An Indicative Procedure & Guideline

Collected & Compiled at CBS Circle Processing Centre (CBS 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) 5th Edition – 12th February 2016

Email IDs of CPC Odisha: [email protected] [email protected] [email protected]

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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 of PMU 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. st th 1. CBS FINACLE WORK FLOW PROCESS” 1 Edition on 26 January 2015 st nd 2. CBS FINACLE WORK FLOW PROCESS” 1 Edition Revised on 2 February 2015 nd st 3. CBS FINACLE WORK FLOW PROCESS WITH BO TRANSACTIONS 2 Edition – 1 April 2015 nd st 4. CBS FINACLE WORK FLOW PROCESS WITH BO TRANSACTIONS 2 Edition (Revised)– 1 May 2015 rd th 5. CBS FINACLE WORK FLOW PROCESS WITH BO TRANSACTIONS 3 Edition – 15 August 2015 th nd 6. CBS FINACLE WORK FLOW PROCESS WITH BO TRANSACTIONS 4 Edition – 2 October 2015 th th 7. CBS FINACLE WORK FLOW PROCESS WITH BO TRANSACTIONS 5 Edition – 12 February 2016 (the present one, incorporating queries of users to the best & relevant information of SB Orders published up to 10.02.2016 i.e. SB Orders No. 17/2015). 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 KN Satapathy, Sys Admin. MK Mahala, Sys Admin. BB Mohapatra, Sys Admin. J.Sahu, Sys Admin. RO Sambalpur R.K.Rout, Sys Admin. Rourkela HO S.K.Mahapatra, Sys Admin. RO Berhampur

spocodisha @gmail.com Tele: 0674-2575449 [email protected] 9439856782 (Mobile) [email protected] 9437279335 (Mobile) [email protected] 9438186255 (Mobile) [email protected] 9437209739 (Mobile) [email protected] 9437100866 (Mobile) [email protected] 9438338805 (Mobile)

CBS CPC (Circle Processing Centre), Odisha Contact Details Designation SPOC & Supervisor System Administrator System Administrator

Name , S/Shri Sudhansu Shekhar Tripathy Kedarnath Satapathy Swadhin Behera

Contact No. 9439913805 (Mobile) 9439856782 (Mobile) 9853185184 (Mobile)

Email address [email protected] [email protected] [email protected]

Compilers : CBS Circle Processing Centre, Odisha and WTCs, in Odisha -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 2 of 134

Contents 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 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47

Important Notes on POSB & Finacle Difference in process : Sanchay Post & CBS Finacle - Major issues Anti-Money Laundering (AML) Measures / Know Your Customer (KYC) Norms – Receipt of Account Opening Form (AOF) & KYC Documents and their preservation Account Opening (All schemes) & Minor Accounts ------------------ Open Value Date Account Closure (All schemes) - Normal --- Death Claim ------------- Closure Value Date Account Extension /Re-deposit/Renewal /Re-investment ---------- Account Transfer (All schemes) Agent Portal (Business ,Commission & Management) --------------- Atal Pension Yojana (APY) Comparison of three schemes – APY, PMJJBY & PMSBY ------------ Cash Certificate: KVP / NSC Cheque Clearing (Inward & Outward) – Rejection Steps & Out Station Cheque Collection Cheques: Rejection Steps ---------- Inward Clearing Process --------- Outward Clearing Process Cheques: Outward Clearing -CBS HO/SO not dealing with clearing house Cheques: Out Station Cheque for Collection ---------------------------- Cheque Dishonour & Collection fee Cheques: Cheques sent for collection before migration but received after migration Common Menu – A/c Conversion (Single to Joint & Vice versa, Minor to Major), CTM, CXFER, Funding by Transfer, HCASHPND, , Name change, Nomination, UCR Customer Identification File (CIF) ------------- Discontinued Scheme: Transactions & Maturity values Day End Process in Finacle : EOD (COD) / BOD: Closing a Day’s Work ------------------ ECS Find out new account No. for old account No. ---------- Freezing of A/c --------- Functions in Finacle Inventory Management - Certificates & Cheques --------- Issue of Duplicate Certificate & Pass Book Lien Maintenance -------------- National Savings Scheme (NSS) A/c ---------------- Office A/c Other SOL Transaction (Inter SOL Transaction) Payment (by Cash/Cheque/Transfer) & Repayment (Credit) A/c Pay, Other Bill & SB Bulk Uploading ---------------------- Pledging of A/cs Pradhan Mantri JeevanJyoti Bima Yojna ( PMJJBY) & Pradhan Mantri Suraksha Bima Yojna( PMSBY) Public Provident Fund (PPF) A/c --------------------------- PPF Loan / Withdrawal Recurring Deposit (RD) A/c --------------------------- RD Loan / Half Withdrawal Rectification of Wrong Postings / Fake-unwanted A/c opening ----- Exceptional Schemes /Closure Retail Manager (RM) e-Banking Portal Savings Accounts (SB) A/c ----- SB: POSB Cheque Book Maintenance / POSB Cheque Stop Payment Settlement of Balance Differ cases and correction of Date of open/issue Standing Instructions Maintenance ----- Sukanya Samriddhi Accounts (SSA) TDA -Term Deposit Accounts: (TD/ MIS / SCSS) --- TD & MIS (Extra / Special) --- SCSS (Extra / Special) TDS Transaction: its ID, Cancellation (including New & Fake New A/cs) & Verification URLs ---------------------------------------------------------------------------- Users in Finacle Vault Transaction ----------------- Works that can be initiated by Supervisor / Sys. Admin./ Postmaster Reports (Inquiry - View / Print) ----------------------------------------- List of Finacle Reports Day to day Transactions Reports (Production & MIS Server) ATM Operation ------------------------------------------- BO Transactions Interest Flow & PMI ---------------------------------- Submission of Documents / Information to CPC How to get it if forget to note Good practices in CBS Finacle Frequently Used Menu Options / Commands List of End Users’ Menu in CBS Finacle Finacle Settings : Desktop – Printer – View Signature & Photo – Pre-requisites Fault Reporting SB Orders related to CBs Finacle Telephone Nos. / email IDs & Escalation sheet related to CBS Finacle, DOP Networking & Anti-Virus

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Page 4 6 10 12 17,20 22, 23 24, 27 31, 32 36 37,38,39 42 43, 44 44 45 47, 49 53, 58 58, 59 60, 61 62,62, 63 65 70 71, 74 74 77, 80 81, 82 84, 86 87 87, 89 90 90, 91 93,95,96 98 100 102,103 104 105,106 106 109, 111 116 117 118 120 121 128 132 133 134

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 Introduced / Maturity period + # A/c type & Min. Deposit No. of Deposit / Schemes Reintroduced Extension if any Maximum Deposit Max. No. of Amount in an A/c joint A/c holder in an a/c

KVP MIS

Re- 23/09/2014 15/08/1987

08 Years 04 Months 6Years up to 30/11/2011. 5Years from 01/12/2011. 6Years up to 30/11/2011. 5Years from 01/12/2011. 10 Years (Discontinued from 20.12.2015) ---15 Years + 5Yrs + 5Yrs + 5Yrs (Max. 30Years) 05 Years + 5Yrs (Max.10Years)

S, JA, JB. 02 S, JA, JB. 03

1000 1500

S, JA, JB. 02

100

One. No limit. One. Single a/c=4.5Lakhs, Joint a/c = 09Lakhs One. No limit.

NSC VIII

08/05/1989

NSC IX

01/12/2011

S, JA, JB. 02

100

One. No limit.

NSS PPF

Discontinued 01/01/1979

NA S. Joint not allowed S, JA, JB. 02

---100 in a Fin. Year 10

-----

S, JA, JB. 03

SB – Pension

-----

S, JB*

Non-CQ=50. * CQ=500. Non-CQ=50. CQ=500.

---Multiple. 1.5Lakhs in a Financial year Sixty + sixty. No limit. Denomination is multiple of 5. Multiple. No limit.

RD

01/04/1970

SB - General

Since 1882

SB – Sanchayika SB - Basic Savings A/cs SCSS SSA

-----

JA. 03

20/05/2013

-----

S, JA*. 02

Non-CQ=50. CQ=500. Zero

02/08/2004 22/01/2015

05Yrs+03Yrs(Max. 8Yrs) 21Years

1/3/5Years from 16/03/1970. 2Years from 01/08/1973

1/ 2 / 3 / 5 Years (Redeposit through SAS not allowed)

S, JA*. 02 S*. No Joint A/c S, JA, JB. 02

1000 1000 in a Fin. Year 200

TD

# A/c type: S=Single; JA=Joint A; JB=Joint B

Multiple. Deposit by Dept. only. No limit. Multiple. No limit. Multiple. No limit. One. 15Lakhs Multiple. 1.5Lakhs in a Financial year One. No limit.

* Condition applied

$ SB CQ A/c not permitted for 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 is 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.

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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 Scheme Codes in Finacle for new a/c opening Scheme Codes in Finacle for Agents which is to Schemes be attached by HDSAMM KVP (KVP KVP14 KVN – KVP New New The sale of KVP Denomination INR.50000/- is KVN3 – KVPN Rs. 1000/- denomination reintroduced restricted to Head Post Offices and selected KVN4 – KVPN Rs. 5000/- denomination from departmental sub post offices which are KVN5 – KVPN Rs. 10000/- denomination 17.11.2014) KVN6 – KVPN Rs. 50000/- denomination authorised by the Head of the Circle. MIS MISE1 – MIS Exception (for conditional transfer MISN1 – Monthly Income Scheme of existing MIS a/c for closure of irregularly opened a/cs) MISN1 – Monthly Income Scheme (for New A/c) NSC VIII NSC8 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 NSC IX NSC9 NSC91 – NSC IX Issue Rs. 100/- denomination (Discontinued (Discontinued from 20.12.2015 vide SB Order NSC92 – NSC IX Issue Rs. 500/- denomination from No. 16/2015) NSC93 – NSC IX Issue Rs. 1000/- denomination 20.12.2015) NSC94 – NSC IX Issue Rs. 5000/- denomination NSC95 – NSC IX Issue Rs. 10000/- denomination PPF PPF – Public Provident Fund PPF – Public Provident Fund RD RDIPE – RD Exception (used for PMC /closure of RDIPN irregularly opened a/cs) RDIPN – Normal (for New A/c opening) SB (Scheme SBGEN – Saving Bank – Without Cheque Book -----Not Applicable ----codes to be SBCHQ – Saving Bank –With Cheque Book selected from SBBAS – Saving Bank – Basic Saving Account searcher) SBPEN –SB – Pensioners With Cheque Book SBPWC–SB–Pensioners Without Cheque Book SBSAN – SB – Sanchayika With Cheque Book SBSWC – SB- Sanchayika Without Cheque Book. SCSS SCSCM – Senior Citizen Savings Scheme SCSCM – Senior Citizen Savings Scheme SCDEF - SCSS – Retired from Defence SCDEF - Senior Citizen Savings Scheme – Retired SCVRS - SCSS – Voluntary Retirement from Defense SCEXP – Sr. Citizen Exceptional Scheme (used SCVRS - Senior Citizen Savings Scheme – for PMC /closure of irregularly opened a/cs) Voluntary Retirement SSA SSA – Sukanya Samriddhi Accounts ----TD Same as given for Agent. TDIPE – Exceptional TDIP1 – One Year TD; TDIP2 – Two Year TD scheme. TDIP3 – Three Year TD; TDIP5 – Five Year TD

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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 Reason Reason code Normal / Maturity closure NORML Forfeiture of certificates FORFT Order by Ministry of Finance OBMIN Death claim (closure on death) DTCLM ================================= xxxxxxx ===================================================

Difference in process: Sanchay Post and CBS Finacle - Major issues Issues 1. A/c Open A/c opening with CIF Funding of 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. 2. Cash Certificate Issue of 1. Certificates are issued certificate against new registration No. 2. On issue of certificate stock is reduced & certificate No. comes. Certificate For Certificate transfer from transfer / one person to another or Name change single to joint or joint to single, old certificate is to be discharged and new certificate is to be issued.

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.

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.

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NC4a issue

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. 3. Cheque Transaction Cheque Cheques are entered against clearance 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 over to 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 partIII for posting in SO ledger. Account Account opened through opening cheques can be opened and through credited by selecting the cheque cheque details from the list of cheques cleared in Sanchay Post. Subsequent These cheques can be deposits lodged/entered against the through RD and PPF accounts and on cheque in RD receipt of clearance, deposit & PPF A/cs can be given by just selecting the relevant cheque number from the list. 4. Death Claim Death Claim The Counter PA has to enter closure date of death and all other calculations are done by the Sanchay Post system.

5. Inventory Inventory process

Inventory process is for local office and maintained for Cheque, KVP/NSC & Passbook with facility to enter invoice number details.

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).

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 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. 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.

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.

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6. Office A/c Maintenance of Office accounts

7. RD RD portal

agent

*w.e.f. 01.07.2015 (SB Order No.8/2015)

8. Savings A/cs Savings /NSS /PPF A/c closure

There is no concept of Office Accounts as it is based on Single Entry system.

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 a provision to attach RD Accounts with an identified MPKBY Agent and when agent presents List (LOT), amount of List can be accepted pending its posting. Amount of all such Lists are reflected in RD LOT and posting against pending LOTs can be done at a later date with date of presentation of List as date of deposit.

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/- (*Rs.20000/-), 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. 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.

Savings A/c closure, all calculations of closing interest are done by the software.

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.

9. Specimen Signature Shifting of Signatures are scanned at signature the Post Office counter. scanning and There is no provision of other related signature scanning in SOSB work to CPC. and also no provision for

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

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photo scanning in Sanchay Post.

10. Term Deposits Payment of 1. interest in MIS,TD, SCSS etc. 2.

Interest is credited into the MIS/TD/SCSS Accounts and also paid from the A/cs. Interest is credited to the customer’s Savings A/c on written request called Standing 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 / month as the case may be, to the higher side of a rupee if interest is in 50 paisa or more. 5. Interest is calculated equally for every month.

11. Transfer of A/c Transfers There is a provision to between transfer any account to finacle and any post office and it non finacle generates Advice of offices Transfer along with Transfer journals.

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. (ECMS discontinued from 01.04.2015) st Process from 1 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. 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 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. (Now it is seen, interest is same for each month/quarter,but yet to be confirmed). 1. 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. 2. Only PPF & SCSS can be transferred between CBS & non-CBS Post Offices (Stopped vide SB Order No.07/2015, Scenario-10).

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 Anti-Money Laundering (AML) Measures / Know Your Customer (KYC) Norms - Receipt of Account Opening Form (AOF) & KYC Documents and their preservation Know Your Customer (KYC) Norms/Anti Money Laundering (AML) Measures/Combating Financing of Terrorism (CFT)/Obligations under PMLA, 2002 (amended from time to time) (Authority / Ref: 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). The following Orders are so far issued on AML Measures / KYC Norms. SB Order Dte Letter No. & Date 1 08/2010 109-04/2007-SB Dt.23/04/2010 2 09/2010 113-01/2010-SB Dt.18/05/2010 (for 0 Balance A/c) 3 10/2010 109-04/2007-SB Dt.02/06/2010 4 18/2010 109-04/2007-SB Dt.24/08/2010 (08/2010 Revised) 5 22/2010 109-04/2007-SB Dt.30/11/2010 6 04/2011 25-04/2009-FS(Vol-I)(pt.) Dt.01/04/2011 7 09/2011 109-04/2007-SB Dt.03/06/2011(Aadhar – valid ID & Address proof) 8 19/2011 25-04/2009-FS(Vol-I) Dt.14/09/2011 9 34/2011 25-05/2005-FS(Vol-III) Dt.15/12/2011 (On BPL A/c) 10 02/2012 113-23/2005-SB Dt.10/02/2012 (credit of maturity value and cash withdrawal from savings account opened without KYCD) 11 14/2012 109-04/2007-SB dated 09.10.2012. Master Circular No. 1 on KYC norms in POSB/SC under AML/CFT regime. This supersedes all previous SB Orders issued on AML/CFT / KYC 12 08/2013 109-04/2007-SB Dt.15/05/2013 . Reduction of preservation period of records under PMLA 2002. Preservation period is reduced from to 05years amending SB Order No. 14/2012. 13 09/2013 25-10/2005-FS (Vol-III) Dt.24/05/2013. Introduction of “Basic Savings Account” under Post Office Savings Account Rule 1981 to facilitate opening of Zero Balance Account by beneficiaries of any Government Welfare Scheme. 14 11/2015 116-57/2014-SB Dt. 28/09/2015. Acceptance of Passport, Aadhar card and PAN card as a valid document for age proof of girl child for opening of Sukanya Samriddhi Account. Min. of Finance (DEA) vide its O.M. No. F.4/1/2010/NS-II dated 12.4.2010 has issued guidelines for introduction of AML/CFT norms in Small Savings Schemes under PMLA 2002 and the rules notified thereunder. For implementation of the provisions on Prevention of Money Laundering (PML) Act 2002 and rules made under this act, Ministry of Finance, Department of Economic Affairs (Budget Division) has formulated norms for Prevention of Money Laundering (PML) and Combating of Financing Terrorism (CFT) in Small Savings Schemes. (SB Order No.08/2010) The objective of KYC/AML/CFT guidelines is to prevent money laundering or terrorist financing activities by use of Post Office Savings Bank intentionally or unintentionally by criminal elements. KYC procedures also enable to post office Savings Banks to know/understand their customers better which in turn help them manage their risks prudently. All Post Office Savings Banks should keep in mind that information collected from the customer for the purpose of opening of account or purchase of savings certificates is to be treated as confidential and details thereof are not to be divulged for cross selling or any other purposes. Under PMLA provisions, Post Office Savings Bank declares its KYC Policy on the following four elements:(a) Customer Acceptance Policy. (i) No account is opened in anonymous or fictitious name/benami. (ii) Not to open an account or close an existing account where the Post Office Savings Bank is unable to apply appropriate Customer Due Diligence measures i.e unable to verify the identity and/or obtain documents required as prescribed due to non- cooperation of the customer or non-reliability of data/information furnished by the customer. However, the customer should not be harassed and any decision to close the account should be taken by head of the Postal Division by giving suitable notice to the customer (b) Risk Management All customers according to the amount involved at the time of opening of account or purchase of Savings Certificates or credit into an existing account have been categorized with the perspective of risk involved. The categorization is (i) Low Risk: Where the customer opens account or applies for purchase of certificates or applies for credit of maturity/prematurity value of any existing savings instrument with an amount up to Rs.50,000/- and balance in all accounts and savings certificates does not exceed Rs.50,000/-. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 10 of 134

(ii) Medium Risk: Where the customer opens account or applies for purchase of certificates or applies for credit of maturity/prematurity value of any existing savings instrument with an amount exceeding Rs.50,000/- but up to Rs.10 lakh and balance in all accounts and savings certificates does not exceed Rs.10 lakh (iii) High Risk: Where the customer opens account or applies for purchase of certificates or applies for credit of maturity/prematurity value of any existing savings instrument with an amount exceeding Rs.10 lakh and balance in all accounts and certificates exceed Rs.10 lakhs. (c) Customer Identification Procedure: Customer Due Diligence (CDD) /Know Your Customer (KYC) Norms Following will be the CDD/KYC norms to be followed in case of opening of new accounts/purchase of certificates falling under different types of accounts or Savings Certificates. Applicable to all types of Savings schemes including Certificates, Pension, Workers Wage Accounts and Basic Savings Accounts. Identity Proof - Any one of the following Address Proof - Any one of the Documents Compulsory documents following documents  PAN card or letter issued by IT Authority  Bank or Post Office Passbook / Following are compulsory in addition to ID & Address proof. quoting PAN Statement with current address 1. Recent Passport size • Passport with current address.  Electoral Photo Identity card, Photograph. • Ration Card with current Address. • Ration Card with photograph. • Electricity Bill or Telephone Bill of 2. PAN or Form-60/61 for balance • Passport, / transaction of INR.50000/- or not more than 03 months old • Driving License, above bill if internet • POSB Identity card/ Post Office Identity (Current 3. Birth Certificate for SSA. Card / Identity card from Central/ State downloaded) Government or PSU e.g PPO, BPL card, Job • • Salary Slip of reputed Employer 4. Income proof / source of receipt of fund for SCSS & High Risk card issued under MG-NREGA duly signed with current address. category. • Certificate from any Public by an officer of State Government. • Photo Identity Card issued by recognized Authority / Postman or Gram Dak 5. Copy of Authority letter /document issued by Sewak Delivery Agent or Branch University/Education concerned Authority for SB Postmaster. Board/College/School. Basic Savings A/c. e.g. For LPG • The letter issued by the Unique • The letter issued by the Unique subsidy- Subscription Voucher & Identification Authority of India Identification Authority of India (UIDAI) Blue Book; For MGNREGS – containing details of name, address and (UIDAI) containing details of name, NREGS Job Card Pension – PPO address and Aadhaar number. Aadhaar number. & Aadhaar Card to get benefit..  ATTESTATION OF PHOTOCOPY OF DOCUMENTS: Documents should be self-attested & in case of illiterate depositors should be attested by Gazetted Officer/Sarpanch or Branch/ Sub/Head/Chief Postmaster or Postman / Gram Dak Sewak Delivery Agent. In case of investment through agent, documents should also be attested by the agent. In case of Joint Account; photograph (joint photo is preferred), ID and Address proof of all depositors are required. KYC Documents required for Three Risk categories. (AOF=Account Opening Form) Risk Type New CIF & New Account Existing CIF & New A/c Change Request (CR) <50000/- Low Risk Prescribed Identity Address Proof Identity & Address Proof CR Form, 02 KYC Form not required, but data to be with photograph, between Rs.50,000 & Extra Document. prescribed Identity Proof, to Rs.10 lakh – Passport size Photograph: 03Nos. filled in AOF & KYC Form. nd Photo to be pasted: 01 on 2 Photograph: 02Nos. 01 on Address Proof & Extra Medium Risk nd 10,00000/or page of AOF, 01 on KYC Form, 01 2 page of AOF, 01 on Pass Document if any. on Pass Book. Book. above – High Risk Where to preserve KYC Form to be sent to CPC. AOF To be preserved at SOL date 01 KYC Form to be sent to / send the & other documents to be wise in A4 size Ring Guard CPC. CR Form and/or 01 documents preserved at SOL date wise in File KYC Form to preserve at Ring Guard File. SOL with the same AOF. CPC, Odisha Opinion: AOF & documents of Certificates & other schemes may be preserved in separate Ring Guard File (means AOF & documents of Certificates & other schemes may not be preserved in same Ring Guard File). (d) Monitoring of Transactions; Record keeping and Reporting: To be done as per SB Order No. 14/2012. 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. (d) Name & Address given in AOF & KYC Form should match with ID & Address proof given or that with Existing CIF. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 11 of 134

 Account Opening (All schemes) & Minor Accounts (Menu Operations are given in respective schemes) - & Open Value Date  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 – 01No. 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).

Mode of operation:    

012 = 016 = 017 = 018 =

Self Joint A A/c Joint B A/c Self operated minor

 019 =  020 =  999 =

Minor A/c through guardian Lunatic Operated by guardian Others

A/c opening value date to be given at the time of opening & 1st transaction & Interest is due) Item / Mode of open Open by Cash / Transfer from Savings A/c (any scheme) Open by Cheque (schemes authorized / allowed) PPF Loan A/c RD Loan A/c BO A/cs (other than RD loan)

Open Value date Date of open Date of realization of cheque st 1 of the current month st 1 of the current month BO Transaction date

Remarks

For RD loan it is always 1 of the current month

st

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. th th Self-operated minor A/c: Self-operated minor A/c is allowed in MIS, RD, SB,TD, KVP, NSC 8 Issue and NSC 9 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.

(N.B.: Now Self operated minor is available for SB. It has been taken up in UAT for other schemes) Minor Account opening/issue of CCs (Steps) (See relevant module for funding by Transfer) 1st. 2nd. 3rd. 4th. 5th. 6th. 7th. 8th.

Open Guardian CIF, if does not exist and Supervisor to verify (CMRC). Open Minor CIF giving Guardian CIF and Supervisor to verify (CMRC). Invoke New A/c opening / CCs issue menu as the case may be. Select Function O-Open, give Minor CIF and fill the required details. Give Guardian CIF in Related Party 2. Funding to be done at the time of A/c opening for MIS/RD/SCSS/TD. On completion click on Submit. Supervisor to verify A/c opening. Funding to be done for PPF/SB/SSA after verification of A/c opening on the same day & Supervisor to verify.

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st

1

2

3 4

5

6

7

New Process of Account Opening/Purchase of Certificates at CBS Post Offices (From 1 April 2015) (Authority: Director (CBS), Dept. of Posts email of March 28,2015 at 1539hrs & Mar 30,2015 at 1455hrs) For new customer For existing customer Opening / Operation of Savings Account is essential (but optional) for easy & smooth operation of different transactions such as opening of new A/c for other schemes, purchase of Certificates, clearance of cheques, transfer of interest / maturity / prematurity / Loan amount, RD Standing Instruction, ATM-cum-Debit Card issue & its use, fund transfer etc. and for NEFT, RTGS, Internet Banking in future. Irrespective of customers (new or existing), they may be requested/ advised to have a Savings A/c in the name of the customer in any CBS Office to get the benefits of the above. If the customer has no Savings A/c , he may be requested to open one Savings A/c to get the benefits of the above. (SB Order No. 12/2015, 15/2015 & 17/2015 refers). New simplified 1 Page (back to back) Account New simplified 1 Page (back to back) Account Opening/Purchase of Certificates Application Form (AOF) is Opening/Purchase of Certificates Application to be used for the purpose of opening of accounts/purchase Form (AOF) is to be used for the purpose of of certificates along with simplified New/Change KYC (Know opening of accounts/purchase of certificates. 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). st Customer has to fill all the fields in the 1 page of AOF and Same as of new customer. nd filling of fields in the 2 page of AOF are optional (depends upon the requirement of customer). Customer has to provide specimen signature and place To be given if not given earlier. photo (photo only one time) on the second page. The new customer has to fill (for one time), KYC Form and To be given if not given earlier. put photo and signature on the same. No need of giving 02Nos. of KYC Form as AOF contains all data. It is the responsibility of Counter PA and Supervisor to take It is the responsibility of Counter PA and KYC (ID and Address Proof) documents from customer and Supervisor to verify that name and address verify that name and address mentioned in these mentioned in the AOF are tallied with the documents are tallied with that mentioned in AOF and KYC existing CIF in Finacle. For any changes fresh Form. KYC to be obtained with Change Request (CR). BPM/SPM/APM/DPM has to sign the AOF and KYC Form in BPM/SPM/APM/DPM has to sign the AOF and token of having checked KYC documents. KYC Form (if taken as CR) in token of having checked the documents with CIF in Finacle. (a) Check if CIF exists in Finacle (Menu: CDEDUP). PA to check existing CIF & KYC status in Finacle  If CIF exists act as per existing customer. in CIF Modification Menu: CMRC. If status is:(b) If CIF does not exist, create new CIF (Menu: CCRC). (a) “Documents Submitted”,  Fill the name, address & KYC information correctly in  Name and address in AOF should be CIF creation. matched with the data in CIF, if tallied,  Note CIF No. on the AOF & KYC Form. Note CIF No. on AOF & KYC Form &  Supervisor to verify CIF creation (Menu: CCRC)*. proceed for A/c opening*.  After satisfying that entry is correct, Supervisor will click  Supervisor to verify A/c opening*. on “KYC Status” field and select status as “S- Documents (b) If there is a difference or change, customer Submitted” should be asked to submit new KYC Form in (c) Then Counter PA should proceed for A/c opening. duplicate and revised ID & Address (d) Supervisor to verify A/c opening*. documents.  In case of difference or change in KYC, CIF *(In case of any difference, Supervisor can reject the form has to be first modified as per revised KYC before verification. documents and “KYC Form” (Menu: CMRC). For detail menu operations refer/see Topic “Account  Supervisor to verify CIF modification *. opening all schemes” & A/c opening & verification Menu  Then account is to be opened & funded. options of respective schemes).  Supervisor to verify A/c opening*. (c) KYC “Documents Not Submitted”, customer Some related portions of Finacle are to be developed. may be asked to submit KYC documents and Options to select in “KYC Status” field in CIF KYC Form in duplicate. N-Documents not submitted  On receipt of required KYC documents, PA to S- Documents submitted modify the CIF (Menu: CMRC).

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8

Modification/ Change Requests: Not applicable to new A/c opening / purchase of certificate.

9

Conversion to Joint or Single A/c: Not applicable to new A/c opening / purchase of certificate. nd

N.B.: Conversion of A/c to name of 2 depositor may not be possible.

10

#AOF & KYC preservation & submission to CPC (a) AOF 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).

 Supervisor to verify CIF modification (Menu: CMRC)*.  After satisfying that entry is correct, Supervisor to click on “KYC Status” field and select status as “S- Documents Submitted” & complete 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 “Documents Not submitted”, Counter PA will take KYC Form in duplicate from the customer. If KYC Status is “Documents Submitted” and data in Finacle & Form submitted are same, Counter PA will not ask for KYC Form. (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 may be done to add new incumbent to A/c by adding CIF to A/c. (b) In case of conversion of A/c – Joint to Single:  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, 01 KYC Form (for modification / change request) 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.

# See Topic “Submission of documents to CPC”. N.B.: CIF modification is a non-financial transaction and its modification has been restricted for other than Home SOL (details are given under Inter SOL Transactions). AOF & KYC Documents preservation process (opinion of CBS CPC Odisha): Savings A/c is the key A/c for different purposes (such as ATM-cum-Debit card, NEFT, RTGS, internet banking etc.). Hence KYC Form & Documents, change request forms, ATM Card issue form, Internet banking forms etc. may be preserved with AOF of Savings A/c. Further AOF & documents of Certificates & other schemes may be preserved in separate Ring Guard File (means AOF & documents of Certificates & other schemes may not be preserved in same Ring Guard File). -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 14 of 134

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. Funding to be done at the time of A/c opening for MIS/RD/SCSS/TD and for PPF/SB/SSA after verification of A/c opening on the same day. PPF / SB 1. Verify AOF & KYC documents given. Ensure their correctness. (It is better to give AOF verifying KYC / 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. th (b) For self-operated minor (minor of 10 years or more) A/c (is allowed in MIS, RD, SB,TD, KVP, NSC 8 th Issue and NSC 9 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 8 See Brief menu operation for details) 9. Print Pass Book (Front page & Transaction page) & hand over to the Depositor. RD 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. st (c) If failed to give No. of Installments, then 1 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. st 4. If failed to give No. of Installments, then 1 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. TDA (TD 1. Steps 1 to 4 are same as PPF/SB/SSA a/c. / MIS / 2. For MIS invoke the menu CLIMIT to know the total holding & to find whether is in the limit. SCSS) 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. st (c) If failed to fund, then 1 Supervisor to verify New A/c opening as per Sl. No.4 below. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 15 of 134

KVP / NSC (25 A/cs only can be opened in one AOF)

A/c open by Cheque

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 – VVerify → 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). Uses of Office Account 0387 for re-investment has been discontinued vide SB Order No.07/2015 dated 18.06.2015. Restriction has been imposed on use of office A/c 0382 (Outward cheque Clearing Cr. A/c for new A/c opening) with effect from 15.10.2015 / 01.11.2015 & on use of office A/c 0340 (Postmaster’s Cheque A/c) with effect from 15.10.2015 and the relaxation is extended up to 31.12.2015. From 01.01.2016, office A/c 0382 & 0340 may be used in exceptional cases (SB Order No. 12/2015, 15/2015 & 17/2015). 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): With restriction in use of office A/c 0382, bank Cheque credit to this account while regularizing the Outward Clearing Zone may be avoided as far as possible especially those who have Savings A/cs in CBS Finacle, and the following procedure may be followed. “For all new investments in any scheme including through agents, customer’s other Bank cheque should be lodged & cleared through Preference -1: Customer’s Savings A/c and new account/certificate should be funded from that Savings Account by selecting transfer and putting cheque credit date (realization date) as Value Date.” Preference -2: Office A/c SOL ID+0382 and new account/certificate should be funded from this Account by putting cheque credit date (realization date) as Value Date.” 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.

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 Account Closure (All schemes) – Normal – (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 S-SB Account To transfer the amount to specified Savings A/c. (W.e.from 21.01.2016). 3 R-Repayment a/c only Money goes to Office A/c 0340 (SOL ID +3040) Postmaster’s Cheque A/c. In case of BO RD & TD closure proceeds to Office A/c 0340. CXFER is to be used to transfer the BO amount from 0340 to BO Settlement A/c (0339) (W.e.from 21.01.2016). 4 N-Customer Instruction Money goes to the Sundry deposit placeholder. Scheme Note: Running of HACINT not required for closure in April.

CC (KVP NSC)

: /

Sequential workflow / steps of Account closure 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 Applicable to POSB scheme 1) Normal / On-Maturity closure All schemes 2) Death (Claim) closure All schemes 3) Conditional Pre-mature closure (closure All schemes except SB / PPF. For SB / PPF every before maturity & depositor is alive) closure is normal, when depositor is alive. 4) PSS closure (Protected Savings Scheme) 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 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.

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See bulk closure option for details →

Disconti nued Scheme NSS-87

PPF SB

&

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). st 4. 1 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). 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.

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RD

TD/MIS / SCSS (See Brief menu operati on) Irregular A/c

(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). Premature Closure 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. (For premature closure see Account Closure - Death Claim) 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.)

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Closure payment by Cheque at S.Os having no cheque drawing power: Consequent upon restriction in use of office A/c 0340 (Postmaster’s cheque a/c), all kinds of closure value beyond cash limit should proceed to customer’s Savings A/c. “However, in case of extreme exigencies like a Bank or any Institution presenting Certificates after forfeiting security, any depositor becomes NRI after investment and now wants to take maturity value only, the claim case where there are multiple nominees/legal heirs or any other case where Postmaster /Sub Postmaster is satisfied that depositor is genuinely not in a position to open Savings A/c immediately may issue cheque for the maturity/pre-maturity value”. To issue cheque following steps need to be followed. “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.” The above is also applicable to death claim closure.  Account Closure (All schemes) - Death Claim – (Menu Operations are given in respective schemes) - & Closure Value Date 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, 12/215, 15/2015, 17/2015. All payments of deceased claim cases will be paid by crossed cheque or credit to Savings Account only (SB Order No. 25/2010,8/2014 & 7/2015). The payment procedure is further modified by SB Order No. 12/215, 15/2015, 17/2015 such as “The value should be credited to the Post Office Savings Account of the Legal Heir/ Nominee in all CBS Post Offices. Nominee/legal heirs should be requested to mention Savings Account Number on the receipt side of SB7/SB7A or Certificates. The claim case where there are multiple nominees/legal heirs or any other case where Postmaster /Sub Postmaster is satisfied that depositor is genuinely not in a position to open savings account immediately may issue cheque for the maturity/prematurity value.” POSB Schemes / Accounts that can be continued/converted & a/cs that can be closed after death of depositor. 1. Joint A/c: Surviving Joint A/c holder(s) within the prescribed limit. th th 2. Single A/c: By nominee(s) for KVP, NSC 8 , NSC 9 , 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. 5. For MIS, in case of death of depositor before maturity, account may be closed and deposit is to be refunded along with interest up to the month preceding the month of in which refund is made. Closure value dates are explained in FAQ dated 04.10.2014 for death claim. Opinion of CBS CPC Odisha: Closure value date for Normal Closure & death claim Closure may be as per the following table. Closure value date for Scheme Normal Closure Death claim Remarks SB Date of closure Date of closure Deposit is to be refunded along with interest up to the month preceding the month of in which refund/closure is made. RD Date of closure Date of closure Maturity / PMC value will be as per the prescribed table. Deposit is to be refunded along with interest up to the month preceding the month of in which refund/closure is made. RD Loan Date of closure Date of closure MIS (For conversion Not applicable Date of death As interest is not payable on deposit in excess to Single A/c & of INR.4.5Lakhs in single A/c. If paid any is to Reduction of be recovered. Principal) MIS Date of closure Date of closure Deposit is to be refunded along with interest up to the month preceding the month of in which refund/closure is made. PPF Date of closure Date of closure PPF Loan Date of closure Date of closure -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 20 of 134

SCSS (within lock in period of one year) SCSS (after lock in period)

Not applicable

Date of closure

Date of closure

Date of closure

TD

Date of closure

previous completed year of TD tenure

KVP (Old) KVP (New 2014) NSC

Date of closure Date of closure Date of closure

Date of death Date of death Date of death

Scheme Common for all schemes

CC : (KVP / NSC) PPF & SB (See Brief Menu operation for details) RD TD/MIS (See Brief Menu operation for details) SCSS

Finacle automatically takes date of death as closure value date, but it should not. Deposit is to be refunded along with interest up to the month preceding the month of in which refund/closure is made. This is also applicable for death claim closure within lock in period of one year. 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 death is 3 years. The closure value date is 5-3-2013.

Maturity / PMC value will be as per the prescribed table i.e. Face value plus amount of interest accrued up to the last completed year or half year as the case may be, prior to the death of the holder.

Sequential workflow / steps of Death Claim Closure (Also See Brief Menu operation for details) 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 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. 3. Invoke closure Menu (CSCCAAC / NSCAC). Select Z-Close → ……. closure value date will be date of death ….. See Menu operation for details. Supervisor to verify – Menu: CSCCAAC / NSCAC. 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). SB: 4. Supervisor to verify – Menu: HCAAC / CLOSE; Function –V-Verify. RD Closure procedure to be adopted as explained above. 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 death is 3 years. The closure value date is 5-3-2013. (Also same for normal Pre-mature closure). TD/MIS: 4. Supervisor to verify – Menu: HCAACVTD / TDACTCLV; Function –V-Verify. 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, step3 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. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 21 of 134

Death claim sanctioning power (Amount in INR) of different authorities (SB Order No. 25/2010, 02/2011) Authorities With With legal Without legal evidence Nomination evidence / Nomination SB SC SB SC SB SC Time Scale SPM 1000 Full 1000 1000 1000 1000 SPM in LSG (norm based) 2000 Full 2000 Full 2000 2000 SPM/DPM/PM in HSG (all non Gazetted) Full Full Full Full 5000 5000 DPM/Sr.PM / Dy. Chief PM / SPO’s (all Gazetted Gr-B) Full Full Full Full 20000 20000 Chief Postmasters in HO/SSPO’s (all Gazetted Gr-A) Full Full Full Full 50000 50000 Regional Director/ Director GPO (Mumbai & Kolkata) Full Full Full Full 75000 75000 Chief Postmaster General / Postmaster General 100000 100000 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

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

Supervisor Verify (V) / Transaction (T) Menu Menu Type HCEXTN V HPRDCM V PMDDRD V HTDREN V HTDREN V

 Account Extension/Redeposit/Renewal/Reinvestment (All schemes)– Brief Procedures (see respective schemes) Scheme Sequential workflow / steps of extension (Also See Brief Menu operation for details) Extension Extension / Renewal are available for PPF, RD, TD & SCSS. Agent commission is allowed only for RD / 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. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 22 of 134

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. Finacle extends the maturity date for one month automatically. Extension for more than one month & maximum up to four months is to be done manually. (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. SCSS 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. MenuHTDREN. Function R-Renewal. Supervisor to verify with same menu. ReIt means that maturity value of a scheme to be re-invested in any of the TDA type POSB schemes investment (Certificate / MIS / TD / SCSS). To re-invest, in addition to closure documents, the depositor needs to (Also fill re-investment form (SB Order No.24/2010) or write details on the receipt side of closure form and allowed AOF, if required (Ref. Scenario-14 of SB Order No.07/2015 for details. The same is reproduced in through short under Inter SOL Transaction Module). Uses of Office Account 0387 for re-investment has been Agent) 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 fill re-investment form as per SB Order No.24/2010). (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 as 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 (transfer transaction) 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. A/c Holder should be contacted and requested to provide name of any nearby non CBS Post Office for opening of a/c. On getting information, a/c 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 (Stopped vide SB Order No.7/2015) or Bank. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 23 of 134

 Agent Portal (Business, Commission & Management) (b) Command / Menu: Agent Portal Work Item / Purpose

1 2 3 4 5 6

Agent Portal 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

Operator Menu

HDSAMM

Supervisor Verify (V) / Transaction (T) Menu Menu Type HDSAMM V

HDSAPM HDSAIP HAGTXP / RDAGBP CRDACM HAGTXP/ CPAGTXP

HDSAPM ---HAGTXP CRDACM HAGTXP/CPAGTXP

V V V V

Important:1.

2. 3. 4.

5.

In Post Office scenario, there are three types of agents under Standardised Agency System (SAS) (1) SAS – authorized to perform business in CCs/ MIS/ PPF / SCSS / TD; (2) MPKBY - authorized to perform business of RD only & only women are allowed for this agency; (3) PRSS Agent - authorized to perform business of RD only for employees of different institutions. Besides above, any authorized employee of an institution may perform business of RD only for employees of that institution and is called as PRSS leader. In Finacle the above said agents are called as Direct Sales Agent (DSA). 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). A MPKBY list should contain maximum of 50 RD accounts or it should not exceed Rs.20,000/- 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 ebanking 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. In the present scenario Agent (SAS & MPKBY) can perform business in the SOL (CBS Offices) to which he is attached. He/She should not perform business in any other SOL (CBS Offices). The Agents (SAS & MPKBY) may be guided suitably and advised to perform business in the SOL (CBS Offices) to which he is attached.

 Agent Portal – Brief Menu Operations Creation of Agent on HDSAMM  Before creation of DSA ID ensure that the Agent has CIF with PAN & Savings A/c Finacle. (It is better in Finacle. Else open & verify. PAN will be fetched from CIF. to use Function- C Function – Add →DSA ID – to be given by post office – Note the ID on the Copy instead of Add, Never Authority letter (Do not give space, dot or any special character) →Click on Go selecting appropriate select → (Fill data for General tab) - DSA Name →Address → License No. (special SOURCE DSA ID. KVP. character not allowed) → DSA Turnover Frequency – Select Daily →Next Target DSA ID to be Turnover date – 31/12/2099 →Commission Credit A/c ID – DSA SB A/c → Tax entered by the Code (mandatory) – TDSAG →Click on Expand Arrow to expand the page → operator & required Agent Type – Select appropriate one from Searcher → License Expiry Date → modifications to be Set ID – Give your SOL ID → Click & Fill data on Product Tab → Scheme Code – done). Select from searcher (e.g.: For MPKBY/PRSS: RDIPN; For SAS: MISN1, KVP New: KVN3, KVN4, KVN5, KVN6; NSC8th Issue:NSC81, NSC82, NSC83, NSC84, NSC85; TD: TD1,TD2,TD3,TD5) – select one & fill the data in the following fields – Fill data in: Pay commission=Yes; Subvention Reversal Credit Placeholder A/c – 45089000 ; Payment Frequency – Daily; Holiday – N; Next commission date – 31/12/2099 (on completion of one record-one scheme code click on Add to add next scheme code. After filling last record do not click on Add) → Click on Submit → OK.  Supervisor to verify giving DSA ID – Menu – HDSAMM; Function – V – Verify.  If any scheme code is left or not added due to some reason, modify the DSA ID and add the left out scheme code.  The DSA ID is to be communicated to the Agent concerned. For MPKBY Agent the DSA ID with details of MPKBY Agent is to be emailed to CPC for allotment of e-banking password for preparation of RD schedule using internet. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 24 of 134

 Function –M-Modify →DSA ID →Go → Click on General Tab → Perform 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 → From Scheme 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). New A/c can be opened  SB- CASBAO / QDESA,  Agent / Employee Code through Agent for – Click on Agent Radio  RD– CRDOAAC / RDAOCM, Schemes: MIS, PPF, RD, Button →Select Code  TD/MIS – CMISAOP / MISAO, th SCSS, TD, KVP & NSC (8 from the List →Click on  SCSS- CSCAOP / SCSSAO th & 9 Issue). Submit to Verify (For  SB – CASBAM / QDEMSA, Subsequent deposits can old A/c Function: M RD - CRDACM / RDAMM, be done through Agent Modify)  TD/MIS – CMISAM/MISAMAV, for Schemes: PPF & RD.  Supervisor to verify –  SCSS - CSCAM / SCSSMAV Function – V – Verify

Modify / Renewal of HDSAMM Agent

Linking Agent ID to new A/c at the time of Opening of A/c Linking Agent ID to Existing A/c after a/c is opened

 MPKBY Agent RD Transactions – Brief Menu Operations Initiating  User Name →User Login P/w →Accounts →Agent Enquire & Update Screen →Select an Transaction account in which transaction is to be done → (Multiple accounts can also be selected) → through Agent Select Mode – Cash or DOP Cheque (POSB Cheque) or Non DOP Cheque (Bank Cheque) Portal by MPKBY →Save →Click on Radio Button against which transaction is to be done →No. of Installments Agent / Super →Click on Get Rebate & Default Fee →Save →Repeat process for all accounts selected Agent →Enter cheque details if DOP or Non DOP cheque mode is selected →Pay all saved (RD A/cs) Installments. Note Reference No. N.B.: One E-Banking Ref. No.(list) should not contain (1) Cash & Cheque both; (2) More than one cheque (3) Total value more than Rs.20000/- in cash (4) Total RD A/cs more than 50. 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  User Name →User Login P/w →Click on Agents →Select Agent →Click on Fetch Accounts Transaction →Select an account in which transaction is to be done →You can select multiple accounts also through Agent → Select Mode – Cash or DOP Cheque or Non DOP Cheque →Save →Click on Radio Button Portal by Super against which transaction is to be done →No. of Installments →Click on Get Rebate & Default Agent 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 HAGTXP  Function – M – Modify → Agent ID – Give MPKBY Agent ID of Finacle → Ereference no. in banking ref No. – Give ref no. from the agent’s report → Go →Tally the screen Finacle figure with printed list → Post. (No need to debit office A/c 0017 or 0382). Use of office A/c 0017 or 0382 is discontinued from 01.01.2016.  Supervisor to verify – Menu – HAGTXP; Function – V – Verify by giving Agent ID & E-banking ref No.  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 ebanking 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). -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 25 of 134

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). Percentage of Agent (SAS / MPKBY / PRSS Group Leader) Commission From Date SB Order No. SSA PPF & MIS, KVP (from SCSS NSC, TD 17.11.2014) 01.12.2011 29 & 32/2011 Agent Not Nil 0.50 0.50 allowed 15.07.2015 08/2015 Same as above 1.00

RD - MPKBY 4.00 Same as above

Cash (in INR) limit of Agent (SAS / MPKBY / PRSS Group Leader) in one schedule / Receipt From Date SB Order PPF & SCSS MIS, KVP (from RD RD - PRSS No. NSC, TD 17.11.2014) MPKBY Gr. Leader 01.12.2011 * No Cash for 10000/- 10000/50Nos. or 500Nos. * PPF. SCSS10000/10000/01.07.2015 08/2015 No Cash for 20000/- 20000/20000/Same as PPF. SCSSabove 20000/* Exact date & SB Order No. not known. 01.12.2011 is taken as base.

RD - PRSS Gr. Leader 2.5* Same as above

Cheque No limit

No limit

Reinvestment By Transfer No limit By Transfer No limit

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

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 26 of 134

 Atal Pension Yojana (APY) (a) Command / Menu: Atal Pension Yojana (APY) Work Item / Purpose Operator Menu 1 2 3 4 5 6 7 8

Verification of signature New CIF creation Modification of existing CIF New Savings A/c opening Existing Savings A/c Modification Balance inquiry A/c type inquiry Data entry for APY

IES CCRC CMRC CASBAO CASBAM HACLI HACCDET CAPY

Supervisor Verify (V) / Transaction (T) Menu Menu Type ---T CCRC V CMRC V CASBAV V CASBAM V HACLI T HACCDET T CAPY V

Some Important Tips & Salient Features of APY 1. APY is introduced in Dept. of Posts from 03.12.2015 and can be operated only through CBS Post Offices registered as NLCC. 2. Sansad Marg HO of Delhi Circle will be the Nodal Office for APY. 3. The subscriber should have Savings A/c in CBS Post Office or ready to open new Savings A/c in CBS Post Office. 4. Any individual Indian Citizen or existing Swavalamban Yojana subscriber who has completed 18 Years of age and is below 40 Years of Age on the day of applying can open APY account (as per Date of Birth mentioned in any of the KYC Documents showing date of birth. Postal GDS staff do not cover under Swavalamban Yojana). 5. Date of Birth and Nomination are mandatory. If depositor has already made nomination in Savings A/c, that will be populated but these fields will be in editable form. Spouse is the sole nominee for married persons. Guardian's name is mandatory if nominee is minor. 6. The APY subscribers would receive the fixed pension from Rs. 1000 to Rs. 5000 per month (Rs. 1000, 2000, 3000, 4000 and 5000), at the age of 60 years, depending on their contributions. (Subscriber gets Guaranteed Pension after attaining age of 60 Year.) 7. The contributions would vary as per the age of the subscriber on the day of joining APY and the pension amount opted by the subscriber. 8. In addition, Government co-contribution (50% of the total contribution or Rs. 1,000/- per annum, whichever is lower) will be made available for 5 years, i.e., from the Financial year 2015-16 to 2019-20 for the subscribers who join the scheme up to 31st December, 2015 and who are not covered by any Statutory Social Security Schemes and are not Income Tax payers. 9. CBS Post Offices are being registered as NLCC for accepting subscription to APY. 10. Savings Account standing at any CBS office will be eligible for subscribing in APY but registration can be accepted only at authorized CBS HOs having NLCC number. (For the time being, Accounts standing at BOs attached to CBS HOs and SOs should not be accepted for APY.) 11. Fields with * mark in Registration Form are mandatory and has to be filled and if subscriber is illiterate, a literate person has to sign (with address) as a witness on the form. 12. All account holders of Joint 'B' account can apply for registration with same Savings Account number. 13. But Account holders of Joint ‘A' type of account are not eligible for registration through same Savings Account. 14. On successful data entry in Finacle, the filled in acknowledgment with signature & stamp of Supervisor may be hand over to the subscriber or who brought the form. In case of BOs, Acknowledgment portion will be sent through BO Slip. 15. Subscription Registration Form should be kept in the Guard File of A4 size and preserved with Supervisor. Accounting of the Amount 16. First Contribution amount (as per table) will be deducted from the Savings Account Balance on the day of successful registration. 17. For, subsequent contribution, the Savings Account Holder should be pursued to maintain balance (minimum balance+ Contribution amount as per table) in his/her Savings Account. The contribution for APY will be debited from the subscriber Savings Account based on the Standing Instruction provided by the subscriber in APY Subscriber Registration Form. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 27 of 134

SI option Monthly Quarterly Half Yearly Deduction time every month the first month of a quarter first month of the Half Year Refer prescribed table for contribution rate. 18. If sufficient balance will not be available in Savings Account in the required month, penalty fee will (@Rs.1/- per Rs.100/- contribution per month) will be added to the amount of contribution be charged and deducted from the Savings Account. 19. Amount deducted for the new registration will be shown in the SB LOT and SB Consolidation as withdrawal in the CBS HO where entry is made. 20. The PA can view/print the prescribed report from Finacle and show the total amount in credit side in SB Cash under head APY to tally the accounts. st 21. For subsequent deposits, an Auto Debit batch will run from 1 January 2016 at all CBS Offices on daily basis which will deduct the required amount from Savings Account of the subscriber (as and when balance is there in the account). This amount will not be included in the SB LOT and Consolidation of the SOL where account stands, instead it will be included in the SB LOT (inter branch) and SB Consolidation of Sansad Marg HO. This amount debited from Savings Accounts through batch will be accounted at Sansad Marg HO. A report has been configured in HFINRPT which will show the account numbers from which amount is debited. This Auto Credit report need to be generated by CBS Offices on regular basis and this amount should not be accounted in the SB Withdrawal and APY Deposit. 22. If any customer wants ledger copy of the APY Account, CPA has to go the NSDL Web Site and generate the same. This can be saved in the desktop and print out can be given to customer free of cost. Activities are to be undertaken at different level 23. Activities are to be undertaken at Post Office level  Acceptance of Subscriber Registration Application and issuance of acknowledgement.  Capturing of minimum registration details in APY Module.  Accounting of subscription amount & preservation of Registration Form.  Handle requests for the subscribers such as Subscriber Details Modification, Issuance of Transaction Statement to the subscriber (based on request received). If any customer wants ledger copy of the APY Account, CPA has to go the NSDL Web Site and generate the same. This can be saved in the desktop and print out can be given to customer free of cost.  Resolve the grievances/queries of the subscribers, if any 24.     

Activities are to be undertaken at Nodal Office level Download of PRAN Library from CRA system and updating in APY Module Preparation &Upload of Subscriber Registration details in the CRA system Receiving Response File from CRA system for Subscriber Registration Upload Subscriber Contribution File (SCF) in the CRA system Remit the contribution amount to the Trustee Bank as per the SCF uploaded in the CRA system

25. Activities are to be carried out at authorized CBS Post Offices  Counter PA or Designated PA (CPA) at CBS Post Office will receive Subscriber Registration Forms for APY or Subscriber Registration Form of Swavalamban Yjana Subscribers either at the Counter or from other Postal Officials. Before doing data entry into the Finacle menu CAPY, CPA needs to verify & ensure the following.  CBS Post Offices are being registered as NLCC for accepting subscription to APY.  Ensure that the Savings Account holder or Indian Citizen who wants to open new savings account for this purpose has already completed 18 Years of Age but not yet completed 40 years of Age (as per Date of Birth mentioned in any of the KYC Documents showing date of birth).  Ensure that account stands in any CBS Post Office i.e SO or HO (not in BOs attached to CBS SO or HO).  If subscriber has no Savings A/c and he wants to open a new for the purpose, then open new Savings A/c following the prescribed procedure.  Ensure that required balance is available in concerned Savings A/c of the subscriber as first Contribution amount (as per table) will be deducted from the Savings Account Balance on the day of successful registration.  Verify type of A/c (Joint-A or Joint-B). All account holders of Joint 'B' account can apply for registration with same Savings Account number. Account holders of Joint A' type of account are not eligible for registration through same Savings Account. In case any of the joint account holder of a Joint 'A' type of Savings Account -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 28 of 134

applies for registration, CPA, in addition to Account number, has to enter CIF ID of the account holder also who wants to enroll for APY.  Invoke IES menu and verify signatures on the Form (if depositor is literate) and tally signatures with signatures in Finacle. If signatures are tallied, Data entry in Finacle menu CAPY can be done after carefully examination of the Subscriber Registration Form.  Counter PA has to very carefully examine the Subscriber Registration Form and ensure that all the mandatory fields, other required fields and “To be filled by the official who collects form” part of the form are filled in properly.  If Form is received through a Postal Official who has already filled details for becoming eligible for incentive, the Counter PA or BPM has to countersign the Form with name, designation, office of posting and HO from where pay is drawn to become eligible for incentive of their part.  If any of the mandatory field is not auto-populated or date of birth is populated as 1.7.1960 and Gender as OTHERS in Finacle, PA has to modify the CIF using CMRC (CIF modification is an non-financial transaction. Hence its modification at other SOL is restricted. For details refer the topic CIF and Other SOL Transactions).  However the menu operations in CBS Finacle are as under. 26. Data entry in CBS Finacle – Proper editing of some important fields  Invoke CAPY menu. Enter Account Number and CIF ID (in case of Joint Account) to get all required fields AutoPopulated.  If any of the mandatory field is not auto-populated or date of birth is populated as 1.7.1960 and Gender as OTHERS in Finacle, PA has to modify the CIF using CMRC. Correct the Date of Birth, Gender, enter Mobile Number, E mail ID, Aadhar Number etc. and Supervisor has to verify the CIF Modification. (CIF modification is an non-financial transaction. Hence its modification at other SOL is restricted. For details refer the topic CIF and Other SOL Transactions)  After correcting above invoke CAPY menu again. Account Number and CIF ID (in case of Joint Account) to get all mandatory fields will be Auto-Populated. Correct data to be entered in relevant & correct field referring the Subscribers Registration Form.  Enter Spouse (husband or wife) name in the SPOUSE NAME field if married. In the field Nominee Name, name of spouse has to be entered and in the field, Nominee Relationship, Wife or Husband has to be selected.  Nomination is mandatory. Spouse is sole nominee for married persons. If subscriber is unmarried, he/she has to fill nominee name and relationship in the form. The same has to be entered in relevant fields. Guardian's name is mandatory if nominee is minor.  Income Tax Payer Field is to be filled with "Yes" or "NO" which is applicable ("NO" is default).  Select correct & appropriate amount of pension in the field "Pension Amount".  Select correct & appropriate Frequency of Installment i.e. Monthly/Quarterly/Half Yearly in the relevant field. Do not select the frequency of "Yearly" in the system.  Based on selection, system will display the contribution. Customer/depositor may be told that this amount will now be debited from his/her account and for subsequent period, he/she has to keep this amount in the savings account over and above the minimum balance, else penalty @ INR.1/- per INR.100/- per month will imposed.  "Beneficiary of other Social Security Scheme" field is to be filled with "Yes" or "NO" which is applicable ("NO" is default).  After entering all the data, click on "VALIDATE" button. If any mandatory field is still not filled or populated, system will go to that field. Once system validate, then click on "SUBMIT" and handover the Form to Supervisor for verification.  Supervisor to invoke CAPY menu and select function "V-Verify". All the data fed by CPA will be displayed. Supervisor should tally the data fed by CPA with the Form and click on Submit. At this time, contribution amount will be debited from Savings Account and PRAN No. will be generated and added in the data.  Supervisor will note down PRAN No. on the top of the form and sign in the portion "FOR OFFICE USE" and put his/her designation stamp.  CPA will again invoke CAPY menu and inquire with the account number. He/she can see all the data including PRAN No. on the screen. CPA will fill the ACKNOWLEDGMENT portion of the Form from the data and place the same before Supervisor for signature and stamp.  CPA will cut the signed acknowledgment and hand over to the subscriber or who brought the form. In case of BOs, Acknowledgment portion will be sent through BO Slip.  Subscription Registration Form should be kept in the Guard File of A4 size and preserved with Supervisor.  If Form presented is of Swavalamban Yojana Subscriber, User will click on the relevant field as YES and enter PRAN number in the relevant field. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 29 of 134

Menu Operations of APY is almost same as PMJJBY & PMSBY.  Atal Pension Yojana (APY) – Brief Menu Operations 1. Verification of  On receipt of filled in Registration Form, PA to verify & see the form is filled in Registration Form correctly and age permits. Find Savings A/c & CIF exists for the customer and check in Finacle.  If Savings A/c & CIF exist 2. Verification of IES  If Savings A/c exists, verify Signature available in Finacle with signature in Form. Signature  IES → A/c Type – N-Normal A/c → A/c ID – Give Savings A/c No. → Leave all other fields blank → Go. In the next screen Signature will be displayed if found. 3. Data CAPY  CAPY → Go → Function A-Add → Account ID – Give Savings A/c No. & click on verification & outside → CIF ID – Give in case of Joint Account → Go. entry  A new screen will open showing following fields auto-populated:“CIF ID, SOL ID, Name of Depositor, date of Birth (default date if not yet corrected in CIF), Gender, Nominee name (if available), Nominee relationship (if available), Address of Depositor, Address of Nominee (if available), Account Type, Aadhar Number (if available), PAN Number (if available), Applicant’s Age (based on DOB), Phone number (if available), E mail ID (if available)”. User need to verify the data to ensure correctness especially the mandatory fields (Name, Date of birth, Gender, Nomination etc.) → Click on Submit to accept the proposal and deduct the contibution.  If any of the mandatory fields is not auto-populated or wrongly populated, user needs to correct it in CIF / Savings A/c. Nomination can be entered in CAPY screen.  If Error: - “Age of the applicant is more than the maximum age allowed for this policy” comes, then go to CMRC, verify & enter correct date of Birth & Gender.  If Error: - “Account Balance not sufficient for the contibution debit”, then go to HACLI , verify balance & advise depositor to deposit. 4. CIF modify CMRC  CIF to be modified following the procedure of CIF modification and Supervisor to verify the CIF modification. 5. Modify Savings CASBAM  Function M-Modify → Modify the Savings A/c to rectify mistakes if any and to Add A/c Nomination (Nomination for APY can also be done from menu CAPY). Supervisor to verify the modification. 5. Data CAPY  After complying the above, PA to invoke menu CAPY again and perform the job as verification & given above including nomination. On completion click on SUBMIT. Supervisor to entry verify. Supervisor to enter Savings A/c Number to see the information. Once he/she is satisfied, he will click on SUBMIT. At this time amount will be withdrawn (debited) from Savings Account & will be credited to APY Contribution and PRAN No. will be generated and added in the data. Supervisor to note the PRAN No. in appropriate place.  If Savings A/c & CIF do not exist 6. AOF verification  Advice the subscriber to give filled in AOF. Verify the same. 7. New CIF CCRC  Create new CIF following the procedure of new CIF creation. Supervisor to verify. creation 8. New Savings CASBAO  Create new CIF following the procedure of new CIF creation. Supervisor to verify A/c creation (CASBAV). 9.Data verification CAPY  After complying the above, PA to invoke menu CAPY again and perform the job as & entry given above including nomination. On completion click on SUBMIT. Supervisor to verify as given above.

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 Comparison of three schemes – APY, PMJJBY & PMSBY

1 2 3

4 5 6 7 8 9 10

11 12

13

14 15 16 17 18

Item Menu shortcut Type Insurance / Pension provider Insurance / Pension coverage Premium payment frequency Premium Amount Renewal Premium payment process st 1 Premium Amount will be accounted at Renewal Premium will be accounted at Enrolment / Validity period Eligibility criteria Citizen Holding of Account (which A/c is mandatory for opting the scheme) Age

APY CAPY Pension Govt. of India

Rs. 1000, 2000, 3000, 4000 and 5000 per month Monthly / Quarterly / Half Yearly vary as per the age and pension amount opted Auto debited from Savings Accounts Concerned CBS PO Sansad Marg HO of Delhi Circle

PMJJBY CPMY Insurance Life Insurance Corporation of India (LIC) Rs.2 lakh

CPMY Insurance National Insurance Company Limited (NIC)

Annual

Annual

Rs,330/-

Rs.12/-

Insurant to deposit

Insurant to deposit

Concerned CBS PO

Concerned CBS PO

Concerned CBS PO

Concerned CBS PO

st

Indian Citizen Savings A/c in CBS PO or ready to open new Savings A/c in CBS PO

Completed 18 Years but not completed 40 years of Age Minimum Balance in Savings A/c Normal Non-CQ Rs.50/- + contribution Cheque A/c Rs.500/- + contribution Zero balance Account Contribution amount (Basic Savings A/c) Nodal Office Sansad Marg HO of Delhi Circle Preservation of At concerned CBS Office Registration / Enrollment Forms

PMSBY

Rs.2 lakh

st

from 1 June or Date st of Enrollment to 31 May

from 1 June or Date of st Enrollment to 31 May

Indian Citizen Savings A/c in CBS PO or ready to open new Savings A/c in CBS PO

Indian Citizen Savings A/c in CBS PO or ready to open new Savings A/c in CBS PO

Completed 18 Years but not completed 50 years

Completed 18 Years but not completed 50 years

Rs.380/Rs.880/Rs.330/-

Rs.62/Rs.512/Rs.12/-

Sansad Marg HO of Delhi Circle

Sansad Marg HO of Delhi Circle

In HPO Office-wise and date wise in A4 size Ring Binders along with list which will be filed also in the same binder.

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 Cash Certificates: KVP / NSC (a) Command / Menu: KVP/NSC Work Item / Purpose

Operator Menu

Supervisor Verify (V) / Transaction (T) Menu Cash Certificates: KVP / NSC Menu Type 1 KVP/NSC Open Account CSCOAAC/ NSCAO CSCOAACV/NSCAOVF V 2 KVP/NSC New Account Modify before Verify CSCOAACM/NSCAMBV CSCOAACV / NSCAOVF V 3 KVP/NSC New Account Modify after Verify CSCACM / NSCAM CSCACM / NSCAM V 4 Printing KVP/NSC HDRP ---5 Reprint KVP/NSC ---HREDRP T 6 Duplicate certificate printing (In ---HDUDRP T Postmaster’s login only) 7 Correctness of the certificate allotment CSCACM / NSCAM CSCACM / NSCAM T 8 Trial Closure KVP/NSC Account wise HCAACTD ------9 Final Closure KVP/NSC Account wise CSCCAAC / NSCAC CSCCAAC / NSCAC V 10 Closing (Encash) Bulk KVP/NSC by Regn. No. CNSBCV CNSBCV V 11 NSC Report HFINRPT HFINRPT T 12 Balance Inquiry of KVP HACLITD HACLITD T 13 To check the pledged status of KVP/NSC A/c HAFSM HAFSM T Important:- 1. Only 25Nos. of certificates can be purchased/issued in one AOF. Premature closure of NSC & KVP is 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. 2. If funding is done by transfer from Savings A/cs, then number of withdrawal in Savings A/c will be equal to number of certificates issued to a Registration Number.  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. The sale of KVP Denomination INR.50000/- is restricted to Head Post Offices and selected departmental sub post offices which are authorised by the Head of the Circle . 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. 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 This clause is not being implemented as of now. Bank / Non-CBS PO KVP Transfer-out from CBS PO This clause is not being implemented as of now. 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. MenuHACXFSOL. For details menu operation see Inter SOL Transaction. PMC of KVP after 2 years and 6 CSCAAC / Same as given for KVP/NSC PMC. months from KVP account open NSCAC date & before maturity -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 32 of 134

 Cash Certificate: KVP / NSC A/c – Brief Menu Operations Open KVP/NSC A/c CSCOAAC Before issue, ensure availability and choose the denominations which are (Issue of KVP/NSC) / NSCAO available at your office. Once denomination is selected and verified, there is no chance of change / alternate it. Take care before issuing NC4a.  Function – O–Open →Product Type – Select NSC8 or NSC9 or KVP14 →CIF ID Note: At present th → NC4a Receipt No. – Enter No. from the manual Receipt Book, if certificates only NSC (8 Issue) are not in the stock → Go →Mode of Operation - Select from Searcher → Total can be issued by Deposit Amount → Denomination Amount – Select denomination → No. of NC4a. There is no Units → Add new if more denominations to be given (Select denomination provision to issue perfectly. Cannot be changed later on)→Transaction Type –Cash / Transfer KVP by NC4a. →If Transfer is selected then enter Dr A/c ID and cheque details →DSA Information → Nomination details → Submit. Note new Registration No. & NSC IX issue has A/c IDs. Deposit Receipt is auto populated in Account Statement field, do not been discontinued change it, else can’t be able to print certificates. from 20.12.2015  Supervisor to Verify – Menu – CSCOAACV / NSCAOVF; Function – V-Verify, vide SB Order No. giving CIF ID & Regd. No. 16/2015.  The system will generate Transaction ID for each issued certificate. Note  Note Transaction ID. Transaction ID is to be posted in HTM / CTM / CXFER See “How to get it” and verified. Or HTV may be used to verify posted Transaction IDs (may if Trans. ID is not nd require verification by 2 Supervisor or higher class user if error comes “Not noted due to any Authorize to verify part trans 1 or 2”). reason.  Only after printing, certificate number is assigned to A/c No. Modify KVP/NSC A/c CSCOAACM  Function – Modify →Registration No. →Go →Amend details → Submit before verification / NSCAMBV  Supervisor To Verify – Menu – CSCOAACV / NSCAOVF; Function – V-Verify Verify KVP/NSC A/c CSCOAACV  Function – Verify →Registration No. →Click on Go → Click on Submit Note A/c Opening / NSCAOVF Nos. & Tran IDs. System will generate A/c No. for each Denomination Modify existing CSCACM /  Function – Modify →A/c ID → Go →Amend details → Submit for Verification KVP/NSC A/c NSCAM  Supervisor To Verify – Menu - CSCACM/NSCAM; Function – V – Verify KVP/NSC issued  Practice of writing KVP/NSC manually continues with a presumption that it can be adjusted writing manually in Finacle which proves false keeping the PA & Supervisor in trouble. In most of the cases, without referring after entering opening information, the blank NSCs/KVPs are kept inside the AOF for writing 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 certificate No. & Denomination is being displayed by the system. Bring said certificate, Complete HDRP print commands in the system, then write KVP/NSC manually & hand over to the customer. Print KVP/NSC  Scheme code – Select from searcher (click on searcher – Next screen appears - click on Certificate: searcher of Scheme code & select appropriate code e.g. KVN4 for KVP New Denom 5000 – Click on Submit – a line below the showing details appears – click on underlined scheme st Menu: HDRP code e.g.KVN4 – it will return back to 1 screen) → CIF ID →From A/c ID →To A/c ID → Master A/c ID (Do not give anything) → A/c Open date (Optional) → Go → Next screen appears showing details of the scheme such as A/c IDs, Date of open, scheme code, denom etc. → Select the A/c No. to be printed from the list displayed & click on Accept → Next screen appears - Certificate No. is auto populated (Heading: Print Srl. No.) as per availability of inventory with the user along with other information → Insert the appropriate certificate in the printer → 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 Caution→ & 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. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 33 of 134

Print NSC Certificate against NC4a

Re-Print KVP/NSC Certificate

Issue / Printing of duplicate certificate (when lost / spoiled by holder) (HO will issue duplicate certificate for HO & SO both. SO cannot issue duplicate certificate.)

 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. HDRP  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. HREDRP  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. HDUDRP (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. N.B.: It is noticed that duplicate certificate for KVP (Old KVP issued prior to 01.12.2011) are not getting printed in at HO level with error message “No records are fetched“. For this contact CPC for taking up the matter with CBS-CEPT (FSI Team), Chennai for SOL transfer of Postmaster ID to concerned SOL. Inventory is to be given to the Postmaster after SOL change. After printing, Postmaster ID need to be changed to concerned HO.

Issue / Printing of HDUDRP duplicate certificate when customer has no fault

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.

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KVP/NSC Certificate Transfer (Person to Person)

CDEDUP / CMRC / CCRC

Reason Code: DDeath Claim Transfer; or TTransfer of certificates; or C-CIF duplicate Transfer.

HCCA

HAALM KVP/NSC Certificate HACXFSOL Transfer (PO to PO) Closing (Encash) HCAACTD KVP/NSC A/c (For Trial Closure)

CSCCAAC / NSCAC (For Final Closure)

KVP/NSC: PMC in CSCCAAC / case of death of NSCAC holder and PMC of KVP after 2 years & 6 months from KVP account open date & before maturity KVP/NSC Bulk CNSBCV 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 it gives problem. Report error with screen shot to CPC urgently. 4. Pay by credit to SB A/c or by cheque.

 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. nd  Function: M – Modify →change Name of holder. 2 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 transferring to SB account of the customer or to Postmaster’s Cheque account. In PA Login: Select Z-Close → Enter Registration number and CIF ID → Repayment Account - Enter customer’s Savings account and in case of exegency enter Postmaster’s cheque account i.e SOL ID+0340; if this field is left blank, amount will automatically get transferred to Postmaster’s cheque account → Submit. Note Trans ID if any. Go to HPR and see Bulk Closure Success or failure Report after about 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 → Submit. (Use of office A/c 0340 has been restricted vide SB Order No.12/2015, 15/2015 & 17/2015. For details see “Payment (by Cash/Cheque/Transfer) & Repayment (Credit) A/c”)

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Go to HPR and see Bulk Closure Success or failure Report after 10 minutes. N.B: (1) If in HPR Report all are success but while verify, some CCs are not showing for verification / error message comes “No data fetched.” Then do as under. Using HAFI note down unverified A/c IDs. Invoke menu HCAACVTD & verify individually giving A/c ID. (2) PMC, Forfeiture are not allowed in Bulk Closure.

 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 Type HMICZ T ---T ---T HICTM/HICTMO V HMICZ T HMICZ T HPR T HICTM/HICTMO T

Cheque - Inward Clearing with sequence Open Inward Clearing Zone -----Edit/Enter Instruments HICTM/HICTMO Rejecting cheque – both Inward & Outward HICTM/HICTMO Verify cheques ---Suspend Inward Clearing Zone ----Validation Run ----Report generation ----Modify cheque which are marked as Inward ----Reject automatically due want of fund 9 Post Inward Zone ----HMICZ 10 Close Inward Zone ----HMICZ Cheque -Outward Clearing (HPO) with sequence 1 Opening of Zone ---HMCLZOH 2 Instruments Entry HOCTMO ---2a File Downloading from S.Os ---HTRFTOPC 2b Upload Clearing File of S.O ---HCLUPLD 3 Inquiry of Lodged Cheque HIOCLS HMCLZOH 4 Verify Instruments (Verify one by one: ---HOCTM / HOCTV HOCTM. Bulk verification: HOCTV) 5 Suspend Zone ---HMCLZOH 6 Report for Clearing House HPCLSO/HOMSOEX HPCLSO/HOMSOEX 7 Release to Shadow Balance ---HMCLZOH 8 Marking outward rejection (In Inward zone) ---HICTM/HICTMO 9 Mark Pending of cheque(s) ---HMARKPEN 10 Regularise Shadow Balance ---HMCLZOH 11 Revoke Pending (By Postmaster) ---HREVPEND Cheque - Outward Clearing (SO) & CBS HO not dealing with clearing house with sequence 1 Enter Instruments HOMSO ---2 Verify Instruments ---HOMSO V 3 Report generation for cheques CHLR. ---T 4 Generation of text file for HO HTRFTOPC ---T 5 Inquiry of Lodged Cheque HIOCLS HIOCLS T Cheque - Out Station Cheque (OSC) 1 OSC Maintenance (Lodge/ Verify / Realize / HIRM HIRM V Dishonour) 2 OSC Report HINWREMI T 3 Upload Chq HRMI T 1 2 3 4 5 6 7 8

T T T T T V V T T T T T T T

HICTM/HICTMO: In Inward Clearing normally HICTMO works in training centres and HICTM works in CBS Post Offices. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 36 of 134

(b) Sequence of operation - Cheque Clearing Cheque - Inward Clearing 1 Open Zone- OWRTN‐MICR (HMICZ) – Sup. 1 2 Lodging of Instruments (HICTM/HICTMO) –PA 2 3 Rejecting the cheque – both Inward & 3 Outward (HICTM/HICTMO) –PA 4 Verifying the Cheques (HICTM/HICTMO)-- Sup. 4 5 Suspending a Zone (HMICZ) -- Sup. 5 6 Validating Zone (HMICZ) -- Sup. 6 7 Report generation (HPR) -- Sup. 7 8 Modify cheques which are marked as Inward 8 Reject automatically due to want of fund (HICTM) -- Sup. 9 Posting the Zone (HMICZ) -- Sup. 9 10 Closing the Zone (HMICZ) -- Sup. 10

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 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.

(c) Sequence of operation - Inward & Outward Cheque Clearing when Cheque for both to be entered Work to operate Zone To be done by 1 Open Outward clearing zone (HMCLZOH) Outward Sup. 2 Lodging of Instruments for Clearing (HOCTM) Outward PA 3 Upload softcopy of SO cheques to local path (HCLUPLD) Outward Sup. 4 Tallying the Zone (HMCLZOH) Outward Sup. 5 Verification of the Zone - cheques (HOCTM) Outward Sup. 6 Suspending the Zone (HMCLZOH) Outward Sup. 7 Generating report for Clearing House (HPCLSO) Outward Both 8 Release to Shadow Balance (HMCLZOH) (Preferably do it on receipt Outward Sup. of clearing scroll, as the date on which it is operated will be the realization date). 9 Open Zone- MICR (HMICZ) Inward Sup. 9a Open Zone- preferably OWRTN‐MICR (HMICZ) for Rejection of Inward Sup. cheques (if Inward zone is opened only for rejection of cheque) 10 Lodging of Instruments for Inward clearing (HICTM/HICTMO) Inward PA 11 Rejecting the cheque – both Inward & Outward (HICTM/HICTMO) Inward PA 12 Verifying the Cheques (HICTMO) Inward Sup. 13 Suspending a Zone (HMICZ) Inward Sup. 14 Validating Zone (HMICZ) Inward Sup. 15 Report generation (HPR) Inward Sup. 16 Modify cheques which are marked as Inward Reject automatically Inward Sup. due to want of fund (HICTM/HICTMO) 17 Posting the Zone (HMICZ) Inward Sup. 18 Closing the Zone (HMICZ) Inward Sup. 19 Mark Pending of cheque(s) (HMARKPEN) Outward Sup. 20 Regularizing the Shadow Balance (HMCLZOH) Outward Sup. 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). 1. 2. 3.

Rejection of Cheques (In Outward & Inward Zone) – Steps to be followed Clearing steps are same up to (8) Release to Shadow Balance (HMCLZOH). Without Release to Shadow Balance Rejection entry should not be done. (Outward Zone) - Supervisor: Release of Shadow Balance in HMCLZOH (Inward Zone) - Supervisor: Open Inward Clearing Zone in HMICZ. Enter the Total Amount of the Cheques to be Rejected and Total No. of Instruments in Advice. Enter Outward Reject Event ID = OWREJ

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4.

(Inward Zone) - PA: Entry of reject instrument details in HICTM / HICTMO. Function A=Add → Zone Code= MICR → Go → Enter the Account ID (0382 or 0017 or SB Account of the Customer) →Instrument No. ( Cheque No.) →Transaction Code= 10 → Reject= O-Outward (Click in the Box). → Next window appears → Enter Reject Reason from searcher (01= Funds Insufficient) →accept. → Next window appears → click on Additional details → Next window appears → Enter Drawee Sort Code → Accept → Returns to Original window of HICTM → Submit. It will through an exception click on O.K. 5. (Inward Zone) - Supervisor: Verification in HICTM / HICTMO. Function V=Verify → Zone Code → Go → Next window appears → Accept → Instrument detail screen appears → Submit. 6. (Inward Zone) - Supervisor: Suspend zone in HMICZ. S- Suspend Zone → Zone Code=MICR → Go → Submit 7. (Inward Zone) - Supervisor: Validation Run in HMICZ. V- Validation Run →Zone Code- MICR → Go →Submit. 8. (Inward Zone) - Supervisor: Validation Report in HMICZ. T- Validation Report → Zone Code → Go→ Submit. 9. (Effect of Validation Report) – Supervisor / PA: Report generation- HPR. 10. (Inward Zone) - Supervisor:Posting of zone in HMICZ. Function P- Post Zone. → Zone Code → Submit → Then see the details → Submit. Go to HPR after 10 Minutes to see OTFI Report and note the Failed Transaction IDs. PA: Invoke HTM → Function M-Modify → Give Transaction ID → Post. Supervisor or another user to Verify. Invoke HACLINQ and see that the Rejected Cheque amount was debited in Office A/c 0382 / 0017. 11. (Inward Zone) - Supervisor: Closing the Zone HMICZ 12. (Outward Zone) - Supervisor: Regularize Shadow Balance. HMCLZOH → Command and close the Inward clearing Zone. ================= Cheque entry, rejection, realization is completed =============

1.

2.

3.

4. 5. 6.

7.

8.

CHEQUE - INWARD CLEARING PROCESS - SEQUENTIAL OPERATION In Brief (Finalisation of clearing & closing of Zone must be done on the same day in time) Open Zone : Supervisor to open zone - command - HMICZ → Go → Function - O- Open , Zone Code (OWRTN‐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.) Lodging of Instruments: Operator to Add/ enter cheques: Menu HICTM / 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. Rejecting the cheque: Operator to Modify / enter cheques rejected - command – HICTM / 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. Verifying the Cheques: Supervisor to Verify - Menu – HICTM / HICTMO → Go → Function - V- Verify → Go → Submit. Suspending a Zone: Supervisor to suspend- Menu - HMICZ → Go → Function -S- Suspend Zone → Submit. 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, marked as INWARD REJECT automatically due to want of fund (HICTM / HICTMO). 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. 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 PROCESS COMPLETED====

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 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 2.Lodging Instruments HRMI  Zone Date →Zone Code →Select - User Application File Path / Local File Path in zone–Upload(By PA) →File Location → Go → Check upload success report by menu HPR. 2a. Lodging HICTM /  Function – Add →Zone Code →Click on Go →A/c ID →Amount → Transaction Instruments in zone – HICTMO Code → Submit. Supervisor to Verify - Menu – HICTM/HICTMO – Function – V Manually (By PA) - Verify (Verify Signatures also). Show HACCBAL – System Reserved Amount 3. Rejecting / HICTM /  Function – Modify →Zone Date →Zone Code → Go → Instrument No. – Give Returning a cheque HICTMO selected cheque No. or Click on Accept → From List of cheques, select the (By PA) 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. 4. Verifying Cheques HICTM /  Supervisor to verify – Function – V – Verify → Submit (By Sup.) HICTMO 5. Suspending zone (By HMICZ  Function – S – Suspend →Zone Date →Zone code →Click on Go → Submit Sup.) 6. Validation Run for HMICZ  Option – V – Validation Run →Zone Code → Go→ Submit. Check report in Reporting (By Sup.) HPR. Supervisor to check the reason of error / rejects and resolve.  Validation Run has to be done whenever you visit HICTM /HICTMO. 7. Posting the zone (By HMICZ  Function – P – Post →Zone date →Zone code → Go → Check statistics → Sup.) 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. 8. Close the zone (By HMICZ  Function – Z – Close →Zone date →Zone code →Submit Sup.)  Do inquiry on Zone and note Transaction ID of charges entry. Post entry using Menu HTM; Function M – Modify.

CHEQUE - OUTWARD CLEARING PROCESS – In Brief MICR Code in Cheque: st

????? CQ No. ↑

nd

rd

th

th

th

th

th

th

1 2 3 4 5 6 7 8 9 7 5 1 0 0 2 0 1 0 ↑ Area / City Bank code↑ ↑Branch Code th th Code Sort Code (4 to 9 ) st th MICR Code (1 to 9 )

st

1 0 ↑

nd

2 0

rd

3 6

th

4 9

th

5 7

6 9

th

st

nd

1 2 3 1 ↑Trans. Code

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Bank Code of some important nationalized / scheduled / commercial Banks under MICR Code. Bank Bank Bank Bank Bank Code Code Reserve Bank of India 001 State Bank of India 002 State Bank of Bikaner & Jaipur State Bank of 004 State Bank of Mysore 006 State Bank of Travancore Hyderabad Allahabad Bank 010 Andhra Bank 011 Bank of Baroda Bank of India 013 Bank of Maharastra 014 Canara Bank Central Bank 016 Corporation Bank 017 Dena Bank Indian Bank 019 Indian Overseas Bank 020 Oriental Bank of Commerce Punjab & Sind Bank 023 Punjab National Bank 024 Syndicate Bank Union Bank of India 026 United Bank of India 027 United Commercial Bank Vijaya Bank 029 Standard Chartered 036 City Bank N.A Bank of Rajasthan Ltd. 043 The Catholic Syrian 047 Federal Bank Ltd Karnataka Bank Ltd 052 Karur Vyasa Ltd 053 Laxmi Vilas Bank Ltd South Indian Bank Ltd 059 ING Vsya Bank Ltd 064 Axis Bank The Odisha State Co- 218 Nilachal Grama Bank 219 The Utkal Co-operative Bank operative Bank Ltd soc ICICI Bank 229 Indusind Bank Ltd 234 HDFC Bank Ltd IDBI Bank Ltd 259 Kotak Mahindra Bank Ltd 485 Yes Bank GPO 111

Bank Code 003 009 012 015 018 022 025 028 037 049 056 211 221 240 532

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 the Set No. on the Pay in Slip. Repeat the above process for all the Cheques. Account No. to be given as under: A/c No. to be used for cheque clearing Purpose Savings Account number subsequent Deposit in Savings Account Savings Account number / Office A/c 0017 For subsequent Deposit in PPF /SSA / RD (SOLID+0017) / Agent Bulk list Savings Account number / Office A/c 0382 For RD/TD/MIS/SCSS/KVP/NSC New (SOLID+0382) Account Opening For easy, smooth transactions, all kinds cheques of may preferably be cleared to Savings Account of the depositor concerned. All subsequent Deposit for PPF / SSA / RD / Agent Bulk list as well as RD/ TD/ MIS/ SCSS/ KVP/NSC New Account Opening may preferably be done by transfer of amount from Savings Account of the depositor concerned. (SB Order No. 12/2015, 15/2015 & 17/2015). -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 40 of 134

(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 “will appear. Note the Set No. (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 – HICTM/HICTMO. 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 PROCESS COMPLETED====  Cheque - Outward Clearing – Brief Menu Operations 1. Zone Processing HMCLZOH  Function – O – Open →Zone Date →Zone Code →Click on Go → Click on (Opening a clearing Submit. (Select the appropriate zone “MICROW” for MICR Outward. CTSzone) (By Sup.) MICR for MICR Outward CTS should not be selected) 2. Lodging of HOCTM By HO : Option – Add →Zone Date →Zone Code → Go → A/c ID → Amount Instruments Manually (For SO– Pay-in slip amount →Instrument No →Amount – Cheque Amount →Sort 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 (For SO see HO/SO not dealing with  Single slip containing multiple cheques and multiple slips containing single clearing house) cheque can be lodged by HOCTM. See Float Balance in HACCBAL / HACLI 3. Zone Balancing (By HMCLZOH  Option – I–Inquiry→Zone Date →Zone Code → Go → Statistics Tab →Check Sup.) Slips/Instruments/Sets – Nos. & Amount→Check Status–Entered / Verified. 4. Verification of the HOCTM  Function – V-Verify → GO → Select the appropriate ZONE CODE, Zone Zone (cheques) (For HO) / Date and Set Number → Go → All the instrument details will be listed HOMSO below → Instruments details can be viewed by clicking on the respective 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 HOCTV  To verify instruments →Function – V – Verify →Zone Date →Zone Code 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 HMCLZOH  Option – V – Revoke Suspension →Zone Date →Zone Code →Go → Submit Zone–if need (By Sup.) -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 41 of 134

6. Report for Clearing House (By Sup. / PA) 7. Releasing to Shadow Balance (By Sup.) 8. Marking outward rejection (By PA) 9. Mark Pending of cheque(s) (By Sup.)

10. Regularizing Shadow Balance Sup.)

HPCLSO / HOMSOEX HMCLZOH HICTM / HICTMO HMARKPEN / HREVPEND

the HMCLZOH (By

File Transfer of SO / HO by HO Cheque Inquiry in Zone

HTRFTOPC HIOCLS

 Print the report for Clearing House.  R–Release to Shadow Balance →Zone Date →Zone Code →Go →Submit  Show HACCBAL/HACLI– Float Balance Nil & Funds in Clg Amounts  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)  After receipt of scroll, if a cheque status is unknown (not cleared nor bounced), & to keep clearance pending, use Menu – HMARKPEN marking pending & (Menu not working properly & hence pending not advisable) can be revoked by Postmaster using the menu HREVPEND.  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” → 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  Source File Name – File name of SO / HO. Destination Directory – Location where file is to be transferred at HO. Click on Submit  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

 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 Operator Supervisor Verify (V) / Menu Transaction (T) Menu 1 Lodging of Instruments Manually by HO / SO HOMSO HOMSO V 2 Report Generation for Instruments Lodged at HO / SO HOMSOEX ----3 Softcopy Generation for Instruments Lodged at HO/SO HTRFTOPC ----Steps for Cheques: Outward Clearing -CBS HO/SO not dealing with clearing house 1. Procedure of lodging of instruments at HO/SO level: The new procedure of cheque clearing has been introduced from 01.01.2016 (SB Order No. 12/2015, 15/2015 & 17/2015). It means all kinds cheques are to be cleared to Savings Account of the depositor concerned / Office A/c 0017 (SOLID+0017) / Office A/c 0382 (SOLID+0382) as the case may be and all subsequent Deposit for PPF / SSA / RD / Agent Bulk list as well as RD/TD/MIS/SCSS/KVP/NSC New Account Opening is to be done by transfer of amount from Savings Account of the depositor concerned / Office A/c 0017 (SOLID+0017) / Office A/c 0382 (SOLID+0382) as the case may be. Enter cheques one by one carefully. Do not make any mistake. After entry of one cheque click on ADD to enter next cheque. The following data input is to be done.

2.

3.

Invoke HOMSO → Function- A-Add→ GO → Next screen appears → Enter SB A/C No. for subsequent SB Deposit and Savings A/c No. of the customer (depositor) / Office A/c 0017 (SOLID+0017) for all subsequent Deposit for PPF / SSA / RD / Agent Bulk list and customer’s Savings Account / Office A/c 0382 (SOLID+0382) for RD/TD/MIS/SCSS/KVP/NSC New Account Opening →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.)) → entry of one cheque is completed → click on ADD to enter next cheque → on completion of entry of all cheques click on Submit. (Enter the cheques carefully. Do not make any mistake) – Now cheque entry is completed. 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. 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.

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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). 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 (.RPT file) 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 Softcopy in 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.  Cheque – Out Station Cheque for Collection – Brief Menu Operations Lodge HIRM  Function – G – Lodge →Remit Type – OCINR →Rem CCY – INR →CIF ID → 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 HIRM  Function – R – Realize →Remit ID. Validate the Tabs: Instrument Details →General 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 HIRM  Function – N – Dishonor →Remit ID. Validate the Tabs: Instrument Details →General of Details →Event Details (choose charge event ID) →Recovery Details →Transaction Details 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 -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 43 of 134

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: through Post To be collected 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. Handle cheques sent for collection before migration but clearance received after migration: Entry of cheque clearance - Menu operation: Invoke CXFER → Add →Transaction type/sub-type – T/CI Customer Induced or T/BI-Bank Induced → Go → Debit A/c ID – as SBI Sundry A/c (SOLID+0007) → Credit A/c – Customer’s Savings A/c or Office A/c 0017 (SOLID+0017) or Office A/c 0382 (SOLID+0382) as the case may be → Amount – Give cheque amount → Value date – Give cheque clearing date → Transaction particulars – delete auto populated “By Transfer” & enter cheque No. (do not enter zero (0) if cheque No. starts with 0) → Remarks – enter PAN of a/c holder if amount is INR.50000/- or above → Post. Note the Trans. ID. Supervisor to Verify giving Trans. ID. Depositing the above cheque cleared amount in concerned A/c:  1: To Savings A/c: No further action as the amount is credited to Savings A/c.  2: To PPF/SSA/RD (individual) – subsequent deposit: Use CXFER → Debit Customer’s Savings A/c or Office A/c 0017 (SOLID+0017) as the case may be → Credit Customer’s concerned A/c.  3: For RD Bulk list under MPKBY / PRSS: – subsequent deposit: Use CXFER → Debit Customer’s Savings A/c or Office A/c 0017 (SOLID+0017) as the case may be → Accept the schedule in HAGTXP & Post.  4: New A/c (MIS/TD/SCSS/RD) or Issue of Certificate (KVP/NSC): In A/c opening select Transfer in Transaction Required and Debit Customer’s Savings A/c. or Office A/c 0382 (SOLID+0382) as the case may be. N.B: In the above cases (2 to 4) Enter cheque No. in Transaction Particular field.) (The above is effected from 01.01.2016 – SB Order No.12/2015, 15/2015 & 17/2015)

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 Common Menus (b) Command / Menu: Common Work Item / Purpose

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24

Common Menus – All schemes Account Details / Inquiry Account Ledger Inquiry Account Balance Details Account Name Change Account Interest Before Closure 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.) Customer Transaction Maintenance (by cash) Deposit Transactions Report Summary Finacle Report Find Transaction ID Minor to Major Report (Customer Becoming Major Report) New A/c Opening List view / print 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

Operator Menu

HCBM →HPR

Supervisor Verify (V) / Transaction (T) Menu Menu Type HACCDET T HACLI T HACCBAL T HAALM TV HACINT T HACS T HACACCR V HTM V CXFER V HCCS T CNAC T CTM V …………. HFINRPT T HFTI T T HCBM →HPR

HACSP→ HPR HPBP HPBPR HTCPIAE HTM HACXFSOL HPR HPSP→ HPR

HACSP→ HPR …….. HPBPR …….. HTM HACXFSOL HPR HPSP→ HPR

HACCDET HACLI HACCBAL --------HACINT HACS HACACCR HCASHPND CXFER ---CNAC CTM HDTRS HFINRPT HFTI

T V V V T T

(c) Conversion of A/c: Single to Joint & vice versa – Minor to Major: Counter PA has to take fresh AOF, KYC Form, KYC documents & other required document, if any (e.g. Death certificate) from the depositor(s).

(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 in appropriate Related Party (Normally Related Party 2). 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: First Holder is the main Holder. In normal case (situation) First Holder cannot be changed. It can be changed only in case of death. nd  Removal of 2 Holder in normal case: Invoke Menu of Modification of A/c after verification / existing nd A/c the 2 share holder has to be marked as deleted. nd nd  In death of 2 Holder: Modify the CIF of the 2 share holder and declared Deceased. Invoke Menu of nd Modification of A/c after verification / existing A/c the 2 share holder has to be marked as deleted. st  In death of First Holder of the two: Modify the CIF of the 1 share holder and declared Deceased. Invoke nd menu HCCA and change the CIF ID of the main holder to that of 2 holder. st  In death of First Holder of the three: Modify the CIF of the 1 share holder and declared Deceased. Invoke menu HCCA and change the CIF ID of the main holder to that of remaining holder, who would be the main holder in the account. e.g. CIF A, B and C are joint holders. CIF A is First Holder, the main Holder. CIF A dies and remaining holder want to make CIF B as main holder. Then the user will invoke menu HCCA and change the CIF id from CIF A to CIF B.

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(iii) 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 (Minor=No) 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).

(d)

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 → Give Amount → 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. Use of CTM & CXFER is also given under respective schemes. (e) Funding by Transfer: Means deposit in different A/cs (CCs/MIS/ PPF/RD/SB/SCSS/TD) making withdrawal from Savings A/c. Before A/c opening & Funding, check CIF, Name, Signature, Photo, balance and if required check KYC documents. i. Funding in New A/c: Opening of new a/c or issue of CC by Transfer from Savings A/c is permissible / possible nd when primary CIF of both the a/cs (new & SB) are same. 2 A/c holder cannot do funding on transfer to new A/c opened in his name. To overcome it, Joint A/c to be opened. 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). ii. Funding in existing (old) A/c: Same as CXFER above. (f) HCASHPND – For adjustment of cash payment other than SB - Reduces Teller Cash Position Adjustment of Cash After HCASHPND Function – P-Process → Tran ID or A/c ID (Optional) → Go → Next Interest / Closure (for other screen appears → Click on Serial No. (Sl. Nos. are numbered as 001, payment for below than SB) 002 etc. with underline) → Post. Verification in HTM / HTV. (It is INR.20000/better to run it after each cash payment. Else run at the end). (g) 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. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 46 of 134

(h) 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 nd appears, Perform necessary changes → Submit. 2 Supervisor to verify – HAALM; Function: V-Verify. (i) 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. (j) 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 Give A/c ID → Modify → select Printer → Duplicate PB - No →New Passbook – Yes Book Issue: →Print Duplicate Pass Book Invoke HPBPR menu option to reset the pages printed details to 0. Supervisor to verify. Issue: Then a fresh passbook can be printed by HPBP. Give A/c ID → Modify → select Printer → Duplicate PB -Yes →New Passbook –Yes →Print (k) UCR : Found excess – Way of depositing in Finacle for disposal in future: 1) Deposit: CTM → A-Add → Deposit → A/c ID – Give Sundry A/c ID (SOL ID +0324) → Amount – which is found excess → Transaction Particulars – Give short remarks → Remarks - Give short remarks to help identifying in future → Options - select G-Partitioning Details → Partitioning A/c ID – Give Teller A/c ID → Post. Note Trans. ID. Supervisor to Verify giving Trans.ID.

 Customer Information File (CIF) (a) Command / Menu: CIF Work Item / Purpose

Operator Menu

Supervisor Verify (V) / Transaction (T) Menu Customer Information File (CIF) Menu Type 1 Search existing CIF CDEDUP CDEDUP T 2 New CIF Create/Modify/Verify CCRC / CIFCR CCRC V 3 Modify / Verify Existing CIF CMRC CMRC V 4 Merger / Change of CIF HCCA HCCA V 5 Customer 360◦ View HCRV HCRV T 6 Inquiry on Customer HCUDET HCUDET 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) (C) Modification of CIF after verification or of existing CIF ID: All kinds of modification in CIF can be done in Home SOL. CIF modification being a non-financial transaction, CIF modification at other SOLs has been restricted. For details see “Other SOL Transactions – Intersol Transactions”. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 47 of 134

(D) 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 Death claim transfer (to the name of nominee) 4 Transfer of CCs (One person to another) 5 Can be used to rectify CIF attachment when wrong CIF is attached in A/c opening

Reason code to select C-CIF duplicate Transfer D-Death Claim Transfer D-Death Claim Transfer T-Transfer of certificates C-CIF duplicate Transfer

 CIF – Brief Menu Operations Checking existence of CDEDUP  Click on Go → Give required parameters → Click on Proceed 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. (If forget to note, th ere is no way to find it). Modification Before CCRC /  Function – Reject (By Supervisor) → Click on Submit Verification CIFCR  User to amend details by choosing Menu – CCRC / CIFCR; Function – M-Modify Verification of CIF CCRC /  Function – V-Verify → CIF ID → Go → Submit. Supervisor to ensure – “KYC Creation CIFCR Status” is updated to “S-Documents Submitted” else reject CIF. Modification after CMRC /  Function – M-Modify → Make the necessary amendment →Click on Submit for verification or of CIFMD verification. existing CIF ID  Supervisor to verify – Menu- CMRC / CIFMD ; Function –V-Verify Note: CIF can be modified at Home SOL only. For modification of CIF of other SOL, see “Other SOL Transactions”. Death of a customer - CMRC /  Function – M – Modify → CIF ID → Go → Customer Status – Click on Radio 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 CMRC /  Function – S – Suspend → CIF ID → Reason Code – Select from Searcher (there not use for Death CIFMD are about 37 types of reasons. Select appropriate one) → Go →Submit. claim cases) Supervisor to verify – Menu – CMRC/CIFMD; Function – V-Verify. Similarly to Un-suspend the CIF – Choose Function – U – Unsuspend Difference between Suspension of CIF: All the A/c under the CIF is affected and no transaction is Freeze (HAFSM) & allowed in these A/cs. Freeze (HAFSM): It is three types (Credit, Debit & Total). It Suspension of CIF affects the A/c which is fridge. Merger of CIF HCCA  Function – Modify → A/c No. (whose CIF is to be changed – other than CIF of Savings A/c) → Go →Old CIF ID (will be displayed automatically) → New CIF ID – Reason Code: DGive new CIF ID to which the a/c is to be merged/transferred (preferred CIF of Death Claim Transfer; Savings A/c, as Savings A/c is now mandatory) → Modify Act. Name – Change or T-Transfer of name if need be (In case of death of primary a/c holder or certificate transfer certificates; or C-CIF cases) →Reason Code –Select appropriate reason from searcher → Submit. duplicate Transfer.  Supervisor to verify – Menu – HCCA; Function – V – Verify by giving A/c ID whose CIF is changed. Note: Savings A/c is now mandatory. Hence do not change CIF of Savings A/c. Merge CIF of other schemes with Savings A/c. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 48 of 134

Search CIF and A/cs attached to a CIF

HCRV

Inquiry on Customer

HCUDET

To know CIF details:  Click on Customer Selection -customer search screen displays → Give CIF ID → CIF Type – Retail → Go → System will show CIF details. To know Accounts attached to a CIF:  Click on Account tab → Give CIF ID → A/c selection – click on required radio button (Show open A/cs – select it to know a/cs opened in Finacle under the CIF; Show all A/cs - select it to know a/cs attached to the CIF) → Go →System will show list of all accounts attached to the CIF.  CIF ID → Click on Go. Displays General Details of Customer

 Discontinued Scheme Transactions (a) Command / Menu: Discontinued Scheme Work Item / Purpose

Supervisor Verify (V) / Transaction (T) Menu Discontinued Schemes Menu Type 1 Payment of Principle by Cash/Cheque/ Transfer HTM HTM V 2 Payment of PMI by Cash CTM CTM V 3 Payment of PMI by Cheque / Transfer CXFER CXFER V 4 Closure Of Accounts HXFER HXFER V 5 Reporting (Ledger printing) HACLPOA ---T There are about 21 Discontinued Schemes (listed below) 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.

1 2 3 4 5 6 7 8 9

Scheme & Remarks Mahila Samridhi Yojna (MSY) - No interest applicable after 10.8.2001 Fixed Deposit - No PMI after maturity Compulsory Deposit Scheme PMI@ simple 4% after maturity till payment Indira Vikas Patras – No PMI National Development Bonds – No PMI Social Security Certificates – No PMI 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

Operator Menu

10 11 12 13 14 15 16 17– 21

Scheme & Remarks 10 Years National Plan Savings Certificates – No PMI 12 Years National Plan Savings Certificates- No PMI 5 Years National Savings Certificates – No PMI 7 Years National Savings Certificates – No PMI 12 Years National Savings Certificates – No PMI NSC 1st Issue – No PMI NSC (II-Issue) - Maturity bonus for purchase on or after 1.5.1981 @Rs.10/- for Rs.100/NSC (III-Issue), NSC (IV-Issue), NSC (V-Issue) & NSC (VI-Issue), NSC (VII-Issue) – No PMI

Maturity Value of Discontinued Schemes (Compiled from Post Office Small Savings Schemes Reckoner by A.N.Duraja) Introduced on Discontinued Maturity Extended Min & Interest PMI on Period Period Max.Deno Rate / Max. / Deposit Interest 1 Mahila Samridhi Yojna (MSY) 1.10.1993 10.08.2001 3Yrs Min=4 25% / 75. No Max= 300 Allowed till 31.7.2001. 2 Fixed Deposit 15.3.1968 1.8.1971 5Yrs multiple No of 50 Rs.50/- shall become Rs.62.50 for the account opened before 16.3.1970 and Rs.63/- for the account opened after 16.3.1970.

Part-V Ready Remarks

Merged in SB vide SB Order No.06/2011.

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Compulsory Deposit Scheme 1.7.1963 1.7.1964 Indira Vikas Patras 19.11.1986 15.7.1999

5Yrs All certificates matured on 15.07.2005

4% 100 & 2500

4%

PMI till close.

No

Principle doubles on maturity

National Development Bonds 31.8.1977 1.5.1982 5Yrs 10,100,500 No Maturity value for Rs.10/- : purchased before 1.10.1979=16.50 and purchased after 1.10.1979= 16.70. Other amount to be calculated proportionately. Social Security Certificates 1.6.1982 1.9.1990 10Yrs 500 & 1000 No Maturity value for Rs.500/- is Rs.1500 & Rs.1000/- is Rs.3000. National Defence Certificates 15.11.1962 15.11.1970 12Yrs 5Yrs 5 & 25000 5Yrs Maturity Surrender value of Rs.5/- . Other PMI for next 5yrs in addition to maturity value of 12yrs. Denom. to be calculated proportionately. From To Value 5 10 50 100 500 1000 5000 25000 222.50 445.00 2225.00 11112.50 22.25 44.50 15.11.1974 15.3.1976 8.90 2.23 4.45 223.75 447.50 2237.50 11187.50 22.37 44.75 16.3.1976 15.3.1977 8.95 2.24 4.48 225.00 450.00 2250.00 11250.00 16.3.1977 15.3.1978 9.00 2.25 4.50 22.50 45.00 16.3.1978 15.3.1979 9.05 2.26 4.53 22.62 45.25 226.25 452.50 2262.50 11312.50 16.3.1979 15.3.1980 9.10 2.28 4.56 22.75 45.50 227.50 455.00 2275.00 11375.00 16.3.1980 15.3.1981 9.15 2.29 4.58 22.87 45.75 228.75 457.50 2287.50 11437.50 16.3.1981 14.3.1982 9.20 2.30 4.60 23.00 46.00 230.00 460.00 2300.00 11500.00 10 Years Defence Deposit Certificates 1.11.1962 15.3.1970 10Yrs 4.5% 5% 5Yrs Additional interest for every Rs.50 for deposit made before 1.3.1968 >4yrs & < 5 yrs 1.00 >7yrs &<8yrs 1.75 Additional interest @2.50 for every Rs.50 for deposit made on or after >5yrs & < 6yrs 1.25 >8yrs &<9yrs 2.00 01.03.1968 >6yrs & < 7yrs 1.50 >9yrs&<10yr 2.25 National Savings Annuity Certificates 01.11.76 1.1.1981 7Yrs 3200 & 50 for 3200 No Only 02 6400 & 100 for Denom. 6400 10 Years National Plan Savings Certificates No 10.5.1954 1.6.1957 10Yrs 5Yrs Min=5 No Max= 500 Amount payable on certificates maturing on or after 1.10.1966 on completion of 15 years Face Value 10Yrs 5Yrs In 15Yrs Face Value 10Yrs 5Yrs In 15Yrs 5 7.25 1.63 8.88 50 72.50 16.31 88.81 10 14.50 3.26 17.76 100 145.00 32.60 177.60 25 36.25 8.16 44.41 500 725.00 163.12 888.12 12 Years National Plan Savings Certificates 01.6.1957 14.11.1962 12Yrs 5Yrs 5 & 25000 No Maturity value Face Value 12Yrs + 5Yrs In 17Yrs Face Value 12Yrs + 5Yrs In 17Yrs 5 8.25 2.06 10.31 10 16.50 4.13 20.63 50 82.50 20.63 103.13 100 165.00 41.25 206.25 500 825.00 206.25 1031.25 1000 1650.00 412.50 2062.50 5000 8250.00 2062.50 10312.50 25000 41250.00 10312.50 51562.50

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19

20

5 Years National Savings Certificates No 1.6.1948 30.6.1953 5Yrs 7yrs + 5Yrs 5 & 5000 No Maturity value Face Value In 5Yrs In 12Yrs In 17Yrs Face Value In 5Yrs In 12Yrs In 17Yrs 5 5.75 7.50 8.81 100 115.00 150.00 176.25 10 11.50 15.00 17.63 1000 1150.00 1500.00 1762.50 50 57.50 75.00 88.13 5000 5750.00 7500.00 8812.50 7 Years National Savings Certificates No 1.6.1948 31.5.1957 7Yrs 5Yrs 5 & 5000 No Maturity value Face Value In 7Yrs + 5Yrs In 12Yrs Face Value In 7Yrs + 5Yrs In 12Yrs 5 6.25 1.09 7.34 100 125.00 21.88 146.88 10 12.50 3.99 16.49 1000 1250.00 218.75 1468.75 50 62.50 10.94 73.44 5000 6250.00 1093.75 7343.75 12 Years National Savings Certificates No 1.10.43 31.5.1957 12Yrs 5Yrs 5 & 5000 No Maturity value Face Value In 12Yrs + 5Yrs In 17Yrs Face Value In 12Yrs + 5Yrs In 17Yrs 5 7.50 1.31 8.81 500 750.00 881.25 10 15.00 2.63 17.63 1000 1500.00 1762.50 50 75.00 13.13 88.13 5000 7500.00 8812.50 100 150.00 26.25 176.25 NSC 1st Issue No 10,100,1000 1.4.1965 15.3.1970 10Yrs No Amount payable on maturity against Rs.10/- is Rs.18/- . Other Denom. to be calculated proportionately. NSC (II-Issue) No 16.3.1970 1.10.1988 7Yrs No Maturity value for Rs.10/-. Other Denom. to be calculated proportionately. From To Maturity Value 16.03.1970 22.7.1974 14.90 Certificates issued on or after 01.05.1981, Maturity bonus @10/- per certificate of Denom. 100 and at proportionate rate 23.7.1974 30.09.1979 15.00 for other denominations to be paid. 1.10.1979 30.09.1981 15.55 NSC (III-Issue) 100,1000,5000 16.3.1970 1.1.1981 7Yrs 5% & 6% No Rate of Interest for Certs. Purchased from 16.03.1970 to 22.7.1974 5% No Rate of Interest for Certificates Purchased on or after 23.7.1974 6% No NSC (IV-Issue) 16.3.1970 1.5.1981 7Yrs No From To 16.3.1970 14.1.1971 7.25% No 15.1.1971 31.3.1974 7.5% No 1.4.1974 22.7.1974 8.25% No 23.7.1974 1.5.1981 10.25% No NSC (V-Issue) 1.1.1974 1.5.1981 7Yrs No Maturity value for Rs.10/- and at proportionate rate for other denominations to be paid. From To Maturity Value 1.1.1974 30.9.1976 19.96 No 1.10.1976 30.9.1979 20.00 No 1.10.1979 1.5.1981 20.45 No NSC (VI-Issue) No 1.5.1981 1.4.1989 6Yrs No Maturity value for Rs.100/- and at proportionate rate for other denominations to be paid.

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 51 of 134

From To Maturity Value 1.5.1981 28.2.1983 201.50 No 1.3.1983 31.3.1987 213.00 No 1.4.1987 31.3.1989 190.10 No 21 NSC (VII-Issue) 1.5.1981 1.4.1989 6Yrs No Interest payable at Maturity value for Rs.100/- and at proportionate rate for other denominations to be paid. the end of From To every six 1.5.1981 28.2.1983 12% No months. 1.3.1983 31.3.1987 13% No 1.4.1987 31.3.1989 11% No 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 HTM  Function – Add → Transaction Type / Sub Type – C/NP-Cash Normal Payment → 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 CTM  Function – Add →Type – Withdrawal →Click on Go → A/c ID – Sundry A/c No. of Amount calculated Interest on Discounted Scheme → Amount →Click on Post. Note the Tran ID. manually (Ref. Common Module for details). Supervisor to verify using Menu – CTM. Transfer of Principle HTM  Function – A – Add →Transaction Type / Sub Type:T/CI-Customer Induced → Go Amount into SB A/c → Record 1 screen appears →Part Tran Type: Debit → A/c ID – Sundry A/c No. of or Payment by Post Discontinued Scheme →Amount → Ref No. – Old A/c No. of Discontinued Master Cheque A/c 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 Transfer of PMI into CXFER  Function – Add → Go →Dr A/c ID – Interest on Discounted Scheme Sundry A/c SB A/c or Payment by →Cr A/c ID – SB A/c or Post Master Cheque A/c →Amount → Post. Note Cheque the Tran ID. Supervisor to Verify – Menu – CXFER ; V– Verify Closure Of Accounts HXFER  Function – Add →Go →Dr A/c ID of Office A/c → Ref. CCY /Amt (Amount to be by transferring paid) → In Restore (Select A-Additional Part Tran details) → Go→ Go →A screen amount to SB or with amount appears- Click on Check Box - Reversal amount populates → Accept office a/c. → 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. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 52 of 134

 Day End Process in Finacle : EOD (COD) / BOD : Closing a Day’s Work EOD (COD) / BOD i.e. - End of Day (Closure 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 CBS 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 a transaction). There are three stages of EOD (COD) / BOD, such as (1) SOL level, (2) CPC level & (3) DC level.

EOD completion Time as per instruction of DTE

By SO 1700hrs (05PM)

By HO 1800hrs (06PM)

By CBS CPC 2000hrs (08PM)

As EOD is dependent on Counter Transaction Closing time, EOD by HO & SO must be initiated within one-half to two hours from Counter Transaction Closing time or latest by 1800hrs (06PM) whichever is earlier. It is for information that CBS CPC requires about one-half to two hours more to complete EOD process after EOD by all SOLs. A. 1. 2. 3. 4.

Closing a Day’s Work - Pre-requisite for EOD (COD) / BOD in CBS Finacle: Sequence of Closing a Day’s Work As soon as counter closing time arrives (depends upon prescribed office time), close counter transactions. Ensure no voucher is pending for entry (especially financial transaction voucher). Ensure HCASHPND has been run. Check once again. Supervisor to verify after execution of HCASHPND. Completion of verification of all transactions by Supervisor(s). If any problem is faced, do the needful within the prescribed time. Ensure no transaction is pending in HIMI, HFTI & HAFI (A/c closure may be kept unverified for closing in a future date for effecting cheque payment). Check the following to ensure there is no EOD Blocking Validation. No. 1

Work Items

Menu

Check for Blocking validation Report

HFINRPT → HPR

2

HIMR → HPR Ensure no inventory is pending for verification

or HIMI

3

Ensure no non-financial transaction is pending

HAFI HAFP

4

Ensure no financial transaction is pending

HFTI

/

Action In HFINRPT, generate report EOD Blocking Validation Report. Use HPR and view the report. If there is any item, EOD will fail. Clear these / do the needful. HIMR will generate a report of Inventory movement for the day. View it by HPR & do the needful, if pending. HIMI→ Give BOD date → (leave other fields blank) → Go. View screen appears showing both Authorised & NotAuthorised. Verify that there is no entry “Entered Not Authorized” against any inventory. To filtered only “Entered but Not Authorized”: HIMI→ Give BOD date → Inventory Transaction Status - Entered but Not Authorized → Go. If exists, clear these / do the needful. View if any Audit files (New A/c, Closure, Transfer. New A/c & Transfer are EOD Blocking validations) is pending for verification. If so Supervisor to verify. View E-Entered & P-Posted items & ensure it shows “No Records”. Then only EOD/BOD is possible. If pending, verify & re-run.

Menu Operation to check EOD Blocking Validation: (CBS CPC may view EOD Blocking using these except HTCPIAE)  To Inquiry inventory Not Authorized - Unverified Inventory Transaction List: HIMI → Go → Transaction Date – Give current (BOD) date → Submit. It will show Authorised & Not Auntorised. Do the needful.  View if any Audit files (New A/c, Closure, Modification, Transfer) is pending for verification - Non-Financial Unverified Accounts: HAFI → Go. → In Ref. No. - Give . (dot) or two spaces → Entered on - Give current date → Authorized – Select Not Authorized → Go. Message: No records were fetched. (This part is -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 53 of 134

normal). (To know specifically New A/c, Closure, , Modification, Transfer specify table name in Table Short Name field & function in Function Code field.) If New / Transfer A/cs are listed, then the A/cs are to be verified using Menu meant for New / Existing Account / Transfer verification (Closure and Modification are not an EOD blocking validation, but a blocking for interest flow / DSA modification / closure / any type of transaction etc.)  To inquire E-Entered & P-Posted items not Authorized: HFTI → Go → Transaction status: Select “EEntered” or “P-Posted” → Submit. Message: No records were fetched. (This part is normal). If transactions are listed do verify.  In HFTI: If any transaction is in Entered but not getting posted: Inquire balance & correctness.  If alright, same user has to Modity & Post in HTM. Supervisor to verify.  If incorrect transaction, Delete in HTM.  If insufficient balance, see can balance be raised. If No, delete in HTM. If Yes, raise & Post in HTM  In HFTI: If any transaction is in Posted but not getting Verified: Verify with alternative/other user. 5. View cash position in HTCPIAE (HTCPIAE → Go → Select employee (teller) → view balance in hand) and count physical cash (both should tally). If do not tally, be patient, & complete the following steps to get the correctness. If cash tallies, do the following If cash do not tally, perform the following A Make Teller Cash 0(zero) – Make over the Ensure that no transaction is pending in HFTI & HAFI (A/c cash to Vault using HTM. Supervisor to closure may be kept unverified for closing in a future verify the same. date). B Ensure balance in hand is 0(zero) for teller: Ensure: HTCPIAE → Go → Select employee (teller) No voucher is left out. Check MPKBY list & commission → Ensure balance in hand is 0(zero). paid A/c to find left out if any. C Proceed to the next step. Find the mistake, correct it & Proceed to the next step. 6. Ensure once again that no transaction is pending in HIMI, HFTI & HAFI (A/c closure may be kept unverified for closing in a future date for effecting cheque payment / BO A/c closure). 7. Generate the reports & save on your desktop for printing in future time. Now Finacle is ready for Day End. 8. Execute Day End at SOL level (HISCOD) within 1.5 to 02hrs from prescribed counter closing time or latest by 1800hrs whichever is earlier. 9. Print LOT & segregate Vouchers. 10. Segregate LOT & Vouchers, AOF / KYC Forms etc. for preserving / dispatching etc. as the case may be. 11. Certificate & Pass Book printing can be done at any time. (Certificate printing & BO Transaction entry may be preferred after day end). Now work for a day is completed. B. EOD (COD) / BOD in CBS Finacle: 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. Completion of successful EOD involves the following four steps / commands. Command Full Name What it does To be run by st 1 HISCOD Initiation of SOL Initiates change of date for EOD SOL Change Operating Date nd 2 HSCOD SOL Change Operating Changes the date for EOD & BOD. Performs CBS CPC Date day end for current date & day beings for next date. rd 3 HSOLCOP SOL Closure Operation Performs different batch jobs like extension / renewal, freezing etc. th 4 HSCOLD SOL Closure of Last Day Interest flow (in/out) happens. Command / Menu for monitoring (Report screens) 1 HBJMON Batch Job Monitoring Indicates starting & ending time of Batch SUP & Sys jobs of EOD Admin 2 HSSI SOL Status Inquiry Indicates various status of EOD process 3 EODMON EOD Monitoring Indicates HO wise consolidated EOD status. 4 EODREP EOD Report Indicates Circle wise consolidated status of different steps of EOD & paralisation used -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 54 of 134

st

C.

Sequence of operation: 1 step of EOD (COD) / BOD by SOL – HISCOD

1. 2.

Ensure everything is ready as given for Closing a Day’s work (especially Sl. No. 1 to 8). Ask all other users to logout. Again verify EOD Blocking Validations as given in “Closing a Day’s Work “and ensure all works for the day is completed and no verification is pending. Now execute SOL level Day End (HISCOD). The brief is as under.

3. No. 7

8

A

Work & Menu Initiate EOD:

Action SOL ID is auto populated. Give 0 (zero) in Hours & 1 in Minutes field → Click on Go. Batch job will be invoked giving an ID No. Invoke HSSI, view HISCOD status of SOL, leave office only after “change of date”. Checking of EOD Blocking Validation at HISCOD level is under development. To know status of Run HSSI to view current status of End of Day (EOD) process. See that in “SOL Status” it is showing “Change of Date initiated”. It means HISCOD is Day end: HSSI executed. Go on refreshing the screen to see that it shows “Closure date” as current date, BOD Date as Tomorrow’s (next) date (it will skip Sunday & Holiday), “Next working day” as date of day after tomorrow and “Closure” as Not Closed. Then the staff concerned may leave office. The following EOD steps (process) are to be run at CBS CPC level and thereafter the status in HSSI screen will go on changing. To perform EOD (COD) Can be run either in SOL ID or in Set ID (Circle / Region ID). In No. of / BOD at CBS CPC level parallel SOLs - Give 1 to 10 when running in SOL ID and 1 to 20 when running in Set ID. However, the total parallization should not 1: HSCOD exceed 40 at any point of time. Process runs automatic. Performs 2: HSOLCOP Day end for current date and begins Day for next working day and 3: HSCOLD runs a number of Batch Jobs.

D. EOD (COD) / BOD by CBS CPC: Command / Menu: EOD (COD) / BOD by CBS CPC are to be performed after initiation of HISCOD by SOL(s). It is required to perform Day End for each SOL by CBS CPC. nd th Sequence of operation: 2 step to 4 step of EOD (COD) / BOD by CBS CPC: HSCOD, HSOLCOP & HSCOLD

1

2

Work Items & Menu To know status of initiation of Day end of SOLs: HSSI Execution of SOL Change of Operating Date:

HSCOD 3

4

Execution of SOL Closure Operation: HSOLCOP

Action View & ensure HISCOD has been executed by SOL(s) and SOL status is showing “Change Date initiated”. nd

It is 2 step of EOD / BOD for the SOL who has already completed HISCOD. Changes the date for EOD & BOD. Performs day end for current date & day beings for next date. rd

It is 3 step of EOD / BOD for the SOL who has already completed HSCOD. Performs different batch jobs like extension / renewal, freezing etc. th Execution of SOL Closure It is 4 step of EOD / BOD for the SOL who has already completed HSOLCOP & performs final EOD/BOD for SOL. Interest flow for Last Day: HSCOLD (in/out), closure updation etc. happens in this step. The above commands can be executed for a single SOL ID or for the Set ID. Give 1 to 10 when running in SOL ID and 1 to 20 when running in Set ID. However, the total parallization should not exceed 40 at any point of time or as per instruction of CBS CEPT Chennai. On execution of command, process will run automatic in downward trend. Do not repeat the command frequently.

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E. Monitoring Menu Operations: 1) HSSI (SOL Status Inquiry) screen – It is the primary & important EOD monitoring command & screen. HSSI Filter conditions (It is still under testing & modification) HSSI – (SOL Status Inquiry) screen is now modified from 29.09.2015 and provided with filters to know different status (conditions) of EOD steps (positions). The filter condition of HSSI is helpful to Administration /System Administrators / EOD Team to verify & know the status of EOD. It contains following Columns (Fields). The drop down lists is self-explanatory. Left Side Fields Filter conditions Right Side Fields Filter conditions Set ID To enter SOL ID or Set ID → Closure Status Select one of the following Y-Closed N-Not Closed F-Failed BOD Date To enter BOD Date Closure Date To enter Closure Date SOL Status Select one of the following EOD Event Status Select one of the following I-Change of date initiated D-SCOD Running P-SOL Precede done L-SOLCOP Running M-SOL date changed C-SCOLD Running N-SOL Postcode done N-EOD Event Not in Progress B-SOL Closure Batch Job Done Y-SOL Closure Done Explanation for use of the screen. To know 1 To know status for single office (SOL) 2 To know status for all office (SOL) 3 To know SOLs which have not started HSCOD

What to enter / select enter SOL ID, then submit (leave all other fields blank) enter Set ID, then submit (leave all other fields blank) enter SET ID, BOD date (current date), Last Closure date, SOL status as " Y-SOL Closure Done", EOD event status as "N-EOD event NOT in progress", then Submit 4 To know SOLs which have failed in any step Closure status as " F-FAILED" ( Not required to enter other fields) 5 Different status can be seen/viewed selecting appropriate options (drop down lists are self-explanatory)  HSSI → Go. → Give SOL / Set ID → Use required Filter condition → OK. On running the menu message appears. :- Some Important fields are: SOL Status Closure Date BOD Date Last successful Closure EOD Event status Closure Date When HSCOD running 1 Change Date initiated Previous date Current date Previous date Closed SCOD running 2 SOL PRECOD DONE Previous date Current date Previous date Closed SCOD running 3 SOL Date changed Current date Next working date Previous date Not Closed SCOD running 4 SOL POSTCOD DONE Current date Next working date Day before Not Closed EOD Event Not in current date Progress Now HSOLCOP is to be run When HSOLCOP running 5 SOL POSTCOD DONE Current date Next working date Day before Not Closed SOLCOP Running current date 6 SOL Closure Batch Current date Next working date Day before Not Closed EOD Event Not in Job Done current date Progress Now HSCOLD is to be run When HSCOLD running 7 SOL Closure Batch Current date Next working date Day before Not Closed SCOLD running Job Done current date 8 SOL Closure Done Current date Next working date Current date Closed EOD Event Not in Progress When HSSI screen status is like 4, HSCOD completed successfully. When HSSI screen status is like 6, HSOLCOP completed successfully. When HSSI screen status is like 8, HSCOLD completed successfully and EOD is completed. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 56 of 134

Field Value

Action

SOL ID No. SOL POSTCOD Done Current date Next working date Day before current date Day after BOD date

Field Value

Action

SOL ID No. SOL closure Batch Job done Current date Next working date Day before current date Day after BOD date

Indicates HSOLCOP ran successfully. CPC can run HSCOLD for the SOL.

SOL ID No. Change of date initiated

Action

EOD/BOD for the SOL done. CPC can run HSOLCOP for the SOL.

Closure Date BOD Date Last successful SOL closure date Next working date SOL Batch operating date Closure EOD Event status

Field Value

Indicates EOD at the SOL started

Fields in HSSI result screen SOL ID SOL Status

Not Closed Not Closed EOD Event not in EOD Event not in process process ”Do not worry about other fields, Then EOD/BOD for the SOL is completed. “Closure” field may indicate ‘Not rd Closed’ (means 3 step of EOD not completed) or ‘Failed’.  If “Closure” status is ‘FAILED’ in HSCOD, then there is some validation problem. Invoke HPR and view ‘Validation Run Report’ or find out the unverified items as described earlier and rectify the problem and re-run HSCOD for the SOL.  If “Closure” status is ‘FAILED’ in HSCOLD, then there is some validation problem (Transaction done during HSCOD running & attemped to verify). Invoke HPR and view ‘Validation Run Report’ or find out the unverified items as described earlier and rectify (verify) using CBTM or HBTM in Supervisor login giving date as “Closure date” and re-run HSCOLD for the SOL. At times due to some reasons, HSCOD gets terminated before/after date change, but before completion. If before date change re-run HSCOD. If after date change re-run HSCOD giving tick in “Yes” of “Run Only Postdated Change Batch Jobs”. If HSOLCOP/ HSCOLD gets terminated, invoke HSAC and delete all logins (Batch Jobs) & re-run. SCOD running

F. EODMON Select Circle Name → GO. Following fields appear in the EODMON result screen. Field → SOL ID SOL Name SOL Total SOLs / Total Status Indicator Remarks Status SOLs open Result SOL ID HPO Name Open n/n EOD of CPC for the SOL X in Red → No. not completed Result SOL ID HPO Name Closed n/0 EOD of CPC for the SOL in Green → No. completed

→

When against each SOL ID / SOL Name “Total SOLs open” & “Status Indicator” show n/0 and respectively, then only, EOD/BOD by CBS CPC (for the set/circle) is completed.

→ in Green

Remarks & Observations: (1) EOD/BOD on National Gazetted Holidays:- No EOD/BOD. (2) EOD/BOD on Local Gazetted Holidays: EOD/BOD to be done, if all circles are not observing holiday. (3) EOD/BOD on Natural calamities strikes / Bandhs:- EOD/BOD to be done. (4) EOD (COD) / BOD for DC (known as DC Closure): Will be done by CBS-CEPT / Data Centre.

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 ECS (a) Command / Menu: ECS Work Item / Purpose

1 2 3 4 5

ECS ECS Mandate Maintenance Create ECS Dump Settlement Process Run ECS Reject Processing Transfer File to PC (Download ECS file created in HEGOC)

Operator Menu

HECSM HEGOC HEOSR HEORP HTRFTOPC

Supervisor Verify (V) / Transaction (T) Menu Menu Type HECSM V -------------

 ECS – Brief Menu Operations Enable the facility of ECS SB- CASBAO / QDESA,  ECS Enabled – Yes for the customers at the RD –CRDOAAC / RDAOCM, TD/MIS – CMISAOP  Click on Submit for Verification time of account opening / MISAO , SCSS- CSCAOP / SCSSAO  Supervisor to Verify Enable the facility of ECS SB – CASBAM / QDEMSA, for the existing customer RD - CRDACM / RDAMM, TD/MIS – CMISAM / MISAMAV, SCSS - CSCAM / SCSSMAV Setting Mandate HECSM  Function – Add →Go →A/c ID →Pay Sys ID – ECS → Message Type – Outward for Outward ECS →Part Tran Type – Debit → Tran Code – Code 1 →Start Date →End Date (Now the →Amount Type – Fixed →Amount →Other Party A/c ID – Beneficiary A/c No. mandate is being  Other Party Name – Beneficiary Name → Other Bank Code – Pick from Searcher done by CEPT → Other Branch Code – Pick from Searcher → Submit for Verification. Note Chennai) Mandate Srl No. Supervisor to verify – Menu – HECSM; Function – V – Verify Create ECS Dump HEGOC  Service SOL ID – Auto populated →Pay Sys ID - ECS → .. Generate – select No → (Generate Settlement Date – BOD Date →CCY- INR → Debit/Credit indicator – select Credit Outward Clearing Transaction →File Ref. – Give a name which you can understand easily→ Submit. File) 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. Transfer File to PC HTRFTOPC  Give Source File as “finreports/ECS/” → (Download ECS Destination Directory as → Submit. (ECS file path file created in changed from “finreports/CDCI” to “finreports/ECS” from 28.07.2015. Up to HEGOC) 27.07.2015 file path was “finreports/CDCI”.

 Find out new account No. for old account No. (a) Command / Menu: Work Item / Purpose

1

Find out new account No. Find New A/c No. from Old A/c No.

Operator Menu CNAC

Supervisor Verify (V) / Transaction (T) Menu Menu Type CNAC 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. Scheme Old A/c No. KVP 75100100KVP? NSS 75100100NSS? SCSS 75100100SCSS? MIS 75100100MIS? RD 75100100RD? TD 75100100TD? NSC 75100100NSC? SB 75100100SB? Replace ? with old A/c No. or Certificate No. as the case may be. Security Deposit (SD) comes under SB. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 58 of 134

 Freezing of A/c (a) Command / Menu : Freezing of A/c Work Item / Purpose

1

Freezing of A/c Freezing & Unfreezing of A/c

Operator Menu HAFSM

Supervisor Verify (V) / Transaction (T) Menu Menu Type HAFSM 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 HAFSM  Function – Freeze → A/c ID → CIF ID (Note: you can freeze all a/cs under a CIF by 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 HAFSM  Function – Unfreeze → CIF ID / A/c ID → Select A/c from the cheque box → Click on 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 selfexplanatory. A few of them are:Function Used for / Remarks Function Used for / Remarks 1 A-Add 17 P-Process HCASHPND 2 D-Delete 18 R-Reject CIF 3 19 R-Release to shadow D-Destroy Inventory Cheque clearing Balance 4 E-Extend PPF 20 R-Renewal 5 G–Lodge Cheque clearing 21 R-Revoke Stop Pay POSB Cheque 6 G-Regularize Shadow 22 Cheque clearing S-Split Inventory Balance 7 I-Inquire 23 S-Stop Pay POSB CQ 8 L-Trial Close 24 S-Suspend CIF Function Used for / Remarks Function Used for / Remarks 9 M-Merge Inventory 25 T–Transfer 10 M-Modify 26 U–Unfreeze 11 N–Dishonor Cheque clearing 27 U-Unsuspend CIF 12 O-Collect TDS 28 V–Revoke Suspension Cheque clearing 13 O-Open Cheque clearing 29 V-Verify 14 P-Pay off Loan Amount 30 X-Cancel 15 P-Post 31 Z-Close 16 C-Copy Agent (HDSAMM) 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. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 59 of 134

 Inventory Management – Certificates & Cheques (a) Command / Menu : Inventory Management Work Item / Purpose

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Operator Menu

Supervisor Verify (V) / Transaction (T) Menu Menu Type HIMC TV HCCS T HISAI TV HISIA TV HIMAI TV HIMIA TV ---HIMI T ----

Inventory Management Add Inventory & Verify (Cheque / KVP / NSC) ---Change SOL ID to Transfer Inventory by HO ---Split Inventory Own Location HISAI Split Inventory Other Location HISIA Merge Inventory Own Location HIMAI Merge Inventory Other Location HIMIA Inventory Status / Stock Report HISR/HISRA Inquire Inventory (Between Locations – Movement) HIMI Inquire Inventory (Particular Location / Available) HIIA Cheque Book maintenance (also given separately under SB A/c) Issue Cheque Books HICHB HICHB Stop Payment Processing of Cheque HSPP HSPPAU Inquire Account ID For A Cheque HINQACHQ/CHAIN HINQACHQ/CHAIN Cheque Book Maintenance (Acknowledge, Inquire, HCHBM/CHBM HCHBM/CHBM Destroy etc.) Cheque Book Issued Register HCHBIR/CHQBIR HCHBIR/CHQBIR Inventory Movement Report To know status of all Inventory movement for a day HIMR → HPR HIMR → HPR (Authorised & Not Authorised)

Inventory Code List for POSB Cheque & KVP/NSC Item Class Type Description POSB Cheque CHQ CHQ CHEQUES KVP New KVN K1000 KVP New – Rs.1000 (Reintroduced KVN K10T KVP New – Rs.10000 in Nov-2014) KVN K5000 KVP New – Rs.5000 KVN K50T KVP New – Rs.50000 KVP This is old one. Not to be used

Item th NSC 8 Issue

NSC 9 Issue

th

Class NS8 NS8 NS8 NS8 NS8 NS9 NS9 NS9 NS9 NS9

Type N10000 NC1000 NC5000 NSC100 NSC500 N10000 NC1000 NC5000 NSC100 NSC500

V V T V T T

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

 Inventory Management – Brief Menu Operations Add Inventory – HIMC  Function – A-Add → Go → From Location Class – ZZ → From Location Code – EXT → CSD to HO (Two To Location Class – DL → To Location Code – DL → Accept → Select Inventory Class / Supervisor to Type – from searcher → Inventory Alpha (Prefix) → Start No. (Suffix) → End No. verify) (Suffix) → Validate → (If another inventory is to be added then click on Add. After last entry do not click on Add.) → 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) Add Inventory HCCS  HO to do this function: Change the SOL (Menu – HCCS) → Select New Context Sol ID → HO to SO from the searcher → Click on Submit. No verification required (Supply of HIMC  HO to do this function: Function – Add → Click on Go →From Location Class – ZZ → Inventory from From Location Code – EXT → To Location Class – DL → To Location Code – DL → Click HO to SO) on Accept → Select Inventory Class / Type – from searcher → Inventory Alpha → -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 60 of 134

Add Inventory at SO / HO to Employee (Give Inventory to the PA)

HIMC

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

Start No. → End No. → Validate → If another inventory is to be added then click on Add otherwise Submit. Note 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 movements on screen for specified dates. OR  Generates report for both Authorised & Not Authorised. The same can be viewed / printed by HPR.

 Issue of Duplicate Certificate & Pass Book Issue of Duplicate Certificate & Pass Book in CBS Finacle environment is governed by SB Order No. 8/2014 as under. (a) Duplicate Certificate Issue : A Certificate holder of CBS Post office, lost certificates and wants to get duplicate certificate issued. Certificate holder can apply for issue of 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. On completion of formalities, Duplicate Certificates can be issued following the procedure mentioned in scenario-11 of SB Order No.8/2014. Steps are also given under module “Cash Certificates: KVP / NSC : Issue / Printing of duplicate certificate” (b) Duplicate Pass Book Issue : An account holder of a CBS post offices wants to get duplicate Pass book issued. Duplicate Passbook can be issued by any CBS Post Office after following the laid down procedure of issue of duplicate Passbook. For Savings Account / RD / MIS / TD / SCSS invoke menu of “Modification of A/c after verification or Existing A/c” and indicate Duplicate Pass Book Issued (no provision for PPF & SSA). For printing of Duplicate Pass Book refer “Pass Book Issue & Print” in the topic Common Menu. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 61 of 134

 Lien Maintenance (a) Command / Menu: Lien Maintenance Work Item / Purpose

Operator Menu

Supervisor Verify (V) / Transaction (T) Menu Lien Maintenance Menu Type 1 Marking / Removing Lien on A/c HALM HALM V 2 Show / See the effect of Lien on a/c balance HACLI HACLI T 3 Show / See the lien amount HACCBAL HACCBAL T 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.  Lien Maintenance – Brief Menu Operations Marking Lien HALM  Function – Add → A/c ID → Click on Go → New Lien Amount – Give the amount to be on A/c 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 Removing Lien HALM  Function – Modify → A/c ID → Click on Go → Amount – 0 → Click on Submit to Verify on A/c  Supervisor to verify – Menu – HALM ; Function – Verify  Note to see the effect on a/c balance in HACLI and the lien amount in HACCBAL  NSS A/c (a) Command / Menu : NSS A/c Work Item / Purpose

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(The withdrawal should be in multiple of 100 ) Operator Menu Supervisor Verify (V) / Transaction (T) Menu NSS A/c Menu Type Withdrawal Transactions CTM or CXFER CTM or CXFER V Amend Nomination Details & Verify HACM HACM V Take TDS before Closure HCACC HCACC V Closure of NSS A/c & Verify HCAAC / CLOSE HCAAC / CLOSE V Removal of Freeze & Verify HAFSM HAFSM V Enquire NSS92 original deposit amount HACM_MIS ---(Free Text 12) Codes Enquire NSS Form 15G / 15H update (Free HACM_MIS ---Code 9) Codes

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 CTM / Transactions CXFER Closure of NSS A/c CMRC HACM

 Follow process for CTM for Cash Withdrawal or CXFER for A/c Transfer  Show HACLI for TDS recovery in case of withdrawal > INR.2500/- in NSS 87.  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.

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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. (NSS-87 closure in detail has been given under “Account Closure”).

HACLI HAFSM

HACINT HCACC

HCHRT

HCAAC / CLOSE

HRFTDS

 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 team to reverse the charges.  Please attach the 15G form again and verify the same.  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.

 Office A/c (a) Command / Menu: Office A/c Work Item / Purpose

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Operator Menu

Office A/c Postings into Office Accounts Basic and Office HTM Accounts Pointing & Verification Parking of Unposted Amount where Credit a/c no. is CTM / CXFER wrong OR unknown (CTM- Cash, CXFER- Transfer) Inquire on Transactions HIOT / TIPM Ledger Inquiry – Office Accounts HACLINQ Office A/c. Ledgers Print HACLPOA

Supervisor Verify (V) / Transaction (T) Menu Menu Type HTM V CTM / CXFER

V

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 CTM in  Function – Add → Function Type – Deposit / Withdrawal → Click on Go → A/c Unposted case of No. – Sundry A/c (in CXFER give this as credit a/c ID) → Amount → Transaction Amount where cash / Particulars – Give suitable narration so that the entry can be identified at the -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 63 of 134

Credit a/c no. is wrong OR unknown Reversal of Funds

CXFER in case of a/c transfer HTM

Ledger Inquiry

HACLINQ

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  Supervisor to Verify – Menu – CTM / CXFER ; Function – Verify  Function Code – Add → Transaction Type / Sub-Type – T/CI-Customer Induced → 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  A/c ID – Office A/c ID → Click on Go → Click on Go

Important Office A/cs in Finacle. For details refer FAQ of 04.10.2014 Office Account Description A/c No. Office Account Description Sundry Account 0324 Clearing Dr. A/c. Inward Clearing Vault Account 0406 Outstation Cheque Clearing BO Settlement Account 0339 ECS Suspense Account Money Order transfer Account 0385 Outward Credit ECS Settlement Account RD Default Fee Account 0384 Pension Upload Account (Dr.) PPF Transit Account 0322 Salary Upload Account (Dr.) SCSS Transit Account 0437 DBT (NREGA FTO) Upload Account (Dr.) Sundry Deposit TD Interest payment 0335 ATM Cash loading Debit A/c Sundry Deposit MIS Interest payment 0337 ATM Cash loading Credit A/c (Bangalore GPO A/c SOL ID- 56000100) Sundry Deposit SCSS - Interest payments 0338 PMJJBY Premium Office A/c (Sansad Marg HO A/c SOL ID-11000100) Use of following Office Accounts has been discontinued / restricted Office Account Description A/c No. Authority / SB Order No. if any Deposit Reinvestment Account 0387 07/2015 Post Masters cheque account 0340 12/2015, 15/2015 & 17/2015 Consequent upon restriction on use of New Account opening RD/ TD/MIS/ SCSS/ 0382 these a/cs, amount may preferably be PPF/Certificates by other bank Cheque. transferred / cleared to Customer’s Clearing Cr. A/C. Outward Clearing A/c - 0017 Savings A/c. subsequent PPF, RD & Agent Bulk Deposit

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A/c No. 0101 0110 0098 0096 0408 0409 0410 0006 560001 000007

From 18.06.2015 15.10.2015 / 01.01.2016

Discontinued Scheme Office Account Description A/c No. Discontinued Scheme: Interest Discontinued Scheme: Principal 10 Years CTD 0142 Interest On10 Years CTD 10 Years Defense Deposit Certificates 0148 Interest On 10 Years Defense Deposit Cert. 10 Years National Plan Savings Certificates 0151 Interest On 10 Year National Plan Savings Cert. 10 Years NSC I Issue 0162 Interest On 10 Years NSC I Issue 10 Years SSC 0146 Interest On 10 Years SSC 12Years National Plan Savings Certificates 0150 Interest On 12 Yr National Plan Savings Cert. 12 Years National Savings Certificates 0152 Interest On 12 Years National Savings Cert. 15 Years CTD 0143 Interest On15 Years CTD 5 Years CTD 0141 Interest On 5 Years CTD 5 Year National Savings Certificates 0154 Interest On 5 Year National Savings Certificates 5 Year PO Cash Certificates 0163 Interest On 5 Year PO Cash Certificates 7 Years National Savings Certificate 0153 Interest On 7 Years National Savings Certificate Compulsory Deposit Scheme 1963 0140 Interest On Compulsory Deposit Scheme 1963

A/c No.

0411 0416 0423 0434 0414 0422 0424 0412 0436 0426 0435 0425 0419

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14 15 16 17 18 19 20 21 22 23 24 25 26

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)

0139 0144 0138 0147 0145 0149 0155 0156 0157 0158 0159 0160 0161

 Other SOL Transaction (Inter SOL Transaction) (a) Command / Menu: Other SOL Transaction Work Item / Purpose

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)

0413 0420 0418 0415 0421 0417 0427 0428 0429 0430 0431 0432 0433

Operator Menu

Supervisor Verify (V) / Transaction (T) Menu Other SOL Transaction (Inter SOL Transaction) Menu Type 1 Transfer in from other SOL (inter SOL Transfer) HACXFSOL HACXFSOL V 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 Menu option is as per the scheme (e.g. SB/SSA- CTM, PPF- CPDTM or CPWTM, RD-CRDP). Deposit / For cheque deposit get the cheque cleared at the SOL where presented. Then follow the Withdrawal normal procedure of deposit. Give transaction type as “Transfer”. st Inter SOL 1 the A/c needs to be transferred to the destination SOL. Then closure to be done. Procedure closure is given below. (Ref. SB Order Nos. 8/2014 with Addendum & 07/2015 for detailed procedure) Inter SOL It is required either for closure or on the request of customer. Procedure is given below. Transfer HACXFSOL Transfer in/out is not required for normal Deposit / withdrawal. 1) Transfer-in (Transaction at destination SOL) 2) 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. Inter SOL MIS HTM Same HTM operation. Exceptions are : → Trans Type/Sub-type - C/NP/ TD / SCSS Cash/Cash Normal Payment (for cash payment) or T/CI – Customer Induced (Tfr Interest to SB A/c) → Go ….... A/c No. – Debit A/c ID (Sundry A/c – SOL ID +0337/ 0338/ payment 0335 of the SOL where A/c stands) → ………. Others are same .

Procedure:(Inter SOL Transactions are governed by SB 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). (For more information see Sl. No.11 of Special Circumstances / scenarios of Inter SOL Transaction) 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: - All payments 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. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 65 of 134

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 . 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.

9. (a) (b) (c) (d) (e) (f) (g)

SB-10(b) or NC-32 or Claim Application Form and 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. Closure / Discharge / Encashment: st 1 step is same as (a) & (b) of withdrawal. Obtain SB10 (b) or NC-32 as the case may be with required KYC documents (ID & Address proof). Then Accounts(s) first to be Transferred IN by using HACXFSOL. Supervisor to verify it. 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”). The modification should be verified by Supervisor. Thereafter the a/c may be closed. 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) st (a) 1 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. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 66 of 134

12. SB10(b)/NC-32/Claim Application Form to be preserved at 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. 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. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 67 of 134

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. 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 with designation 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 -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 68 of 134

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. Non-Financial Transactions: Non-Financial transaction like modification in account or CIF can be made only the office where account stands (Home SOL) and it should be supported by documentary proof. In case of change in name or photograph or address, fresh KYC Form (in duplicate) has to be obtained with documents and one copy of KYC Form has to be sent to CPC for scanning of fresh photograph or signature. But in case of Death Claim, the Post Office (SOL) which receives the claim application needs to modify CIF to note Death of deceased depositor in the relevant field in CIF All Non-Financial Transactions should be verified immediately by Supervisor/SPM at the same office when initiated by PA.

Regarding modification of CIF at other SOL, DTE has further clarified as under. (a) If KYC information i.e Name. Address and Photo are to be updated, this should be done only in Home SOL. Other than that non-financial modification can be done at any SOL. If KYC is to be updated, all accounts under that CIF have to be transferred to the SOL where change is requested and then CIF Modification can be done and KYC Form is to be preserved and one copy sent to CPC for scanning of signatures and photo (if change is asked for). (b) In case of PMSBY and PMJJBY, only Date of birth and Gender is to be updated and this can be done in any SOL. (c) PAN information can be updated at any SOL. (d) Status of 15 G and H can be updated only where account stands as these forms are to be preserved and sent to Local Income Tax Commissioner. After going through different documents, an indicative list of non-financial transactions that can be done at other SOL (Inter SOL) has been prepared as under. Sl. Non-financial transactions that cannot be done Non-financial transactions that can be done at other No. at other SOL (Inter SOL) – Restricted by order SOL (Inter SOL) 1 CIF: Modification in Name. Address, Specimen CIF: Updating of Date of birth, Gender, PAN & Death signature, Photo & No Tax updating. information. Duplicate CIF merger. 2 A/c Name change (HAALM): Depositor name Verification of A/c Name change (HAALM): change Depositor name change 3 Issue of duplicate certificates Issue of duplicate Passbook. 4 A/c Modification: Status of 15 G and 15H. Standing Instruction (SI) entry – SB to RD 5 A/c conversion (Single to Joint, Joint to Single, Minor to major) 6 Freeze, Unfreeze, Pledge & Release 12. Duplicate certificate / Pass Book issue (SB Order No. 8/2014) (a) A Certificate holder of CBS Post office, lost certificates and wants to get duplicate certificate issued Certificate holder can apply for issue of 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. On completion of formalities, Duplicate Certificates can be issued following the procedure mentioned in scenario-11 of SB Order No.8/2014. Steps are also given under module “Cash Certificates: KVP / NSC : Issue / Printing of duplicate certificate” (b) An account holder of a CBS post offices wants to get duplicate Pass book issued Duplicate Passbook can be issued by any CBS Post Office after following the laid down procedure of issue of duplicate Passbook. 13. No issue 14. A customer wants to do re-investment of matured amount in CBS post office (SB Order No. 7/2015) 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. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 69 of 134

Procedure: (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 fill re-investment form as per SB Order No.24/2010). (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.  Payment (by Cash / Cheque / Transfer) & Repayment (Credit) A/c A. Payment (by Cash / Cheque / Transfer) 12. Payment can be done in three modes: By Cash / Cheque / Transfer). 2. Payment by cash: (a) Below INR.20000/-: Any withdrawal & closure below INR.20000/- for other than SB can be paid by cash. In SB there is no restriction, and any amount can be paid by cash. (b) Cash payment limit in death claim has been increased (less than INR.20000/- can be paid by cash (SB Order No. 12/2015 & 15/2015). (c) Irrespective of amount, cash payment may be avoided in the following cases: I. Inter SOL transaction (withdrawal & closure) -– Preferred Transfer to SB A/c or Cheque*. II. Death claim settlement. ----------------------------– Preferred Transfer to SB A/c or Cheque*. III. Refund of TDS. ---------------------------------------– Preferred Transfer to SB A/c or Cheque*. IV. RD Loan Disbursement & Repayment. -- -------– Preferred Transfer to SB A/c or Cheque*. V. NSC/KVP Bulk Closure. ------------------------------- Preferred Transfer to SB A/c or Cheque*. VI. Forfeiture. ---------------------------------------------- Preferred Cheque*. VII. Payment to NRI. ---------------------------------- Preferred Cheque*. 3. Payment by Cheque: Use of Postmaster’s cheque has been restricted vide SB Order No. 12/2015, 15/2015 & 17/2015. However payment through cheque is allowed in the following cases / instances. (a) Amount equal to or above INR.20000/- for any withdrawal & closure other than SB (especially POSB schemes which have maturity value) but Postmaster /Sub Postmaster is satisfied that depositor is genuinely not in a position to open Savings account. (b) Transactions specified in 2(b) above (Irrespective of amount cash payment may be avoided). (c) Cheque payment is allowed in forfeiture, depositor becomes NRI after investment, multiple nominees / legal heirs in death claim, PPF Transfer to bank, any other case where Postmaster /Sub Postmaster is satisfied that depositor is genuinely not in a position to open Savings account & in Savings A/c (cheque payment is at the request of depositor). (SB Order No. 12/2015, 15/2015 & 17/2015). 6. Payment by Transfer: To customer’s SB A/c or to Office A/c. Reinvestment. The maturity amount of POSB scheme needs to be transferred to customer’s Savings A/c (Use of office A/c 0387 discontinued vide SB Order No.7/2015). On new investment, the appropriate amount may be transferred to new scheme. The balance amount will be in customer’s Savings A/c. Transactions specified in 2(b) above (Irrespective of amount, cash payment may be avoided). Besides above, transfer transaction can be done irrespective of amount. 7. Payment mode – Consolidated brief of authorized mode Payment type Authorized Payment mode Remarks / SB Order, if any 1 Open on Transfer from Savings A/c Transfer from Savings A/c If primary CIF are same. SB Order Nos. 7/2015, 12/2015, 15/2015, 17/2015 2 Withdrawal from SB (Home SOL) Cash or Cheque As per customer 3 Withdrawal from SB (Inter SOL) for Transfer to SB A/c or Cheque* After verifying SS in system. 7/2015 Rs.50000/- or above -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 70 of 134

4 5 6 7 8 9 10 11 12

* 





Inter SOL transaction (withdrawal & closure) Death claim settlement

Transfer to SB A/c or Cheque*

8/2014 & 7/2015

Transfer to SB A/c or Cheque*

8/2014, 7/2015, 12/2015, 15/2015, 17/2015

Refund of TDS Transfer to SB A/c or Cheque* RD Loan Disbursement & Transfer to/from SB A/c or Repayment Cheque* NSC/KVP Bulk Closure Transfer to SB A/c or Cheque* Payment of maturity / Prematurity Transfer to SB A/c or Cheque* Below INR.20000/- may be paid by value for INR.20000/- or above cash. Re-investment (INR.20000/- or Transfer to SB A/c Through Agent treated as non-cash. more) Forfeiture Cheque 12/2015, 15/2015, 17/2015 Payment to NRI Cheque 12/2015, 15/2015, 17/2015 Condition applied for cheque payment Uses of Office Account 0387 for re-investment has been discontinued vide SB Order No.07/2015 dated 18.06.2015. Restriction has been imposed on use of office A/c 0382 (Outward cheque Clearing Cr. A/c for new A/c opening) w.e.from 15.10.2015/01.11.2015 & on use of office A/c 0340 (Postmaster’s Cheque A/c) w.e.from 15.10.2015 and the relaxation is extended up to 31.12.2015 only. From 01.01.2016, office A/c 0382 & 0340 should be used restrictly and in some exceptional & exigency cases. All Closure Maturity Values/ Premature Closure Values / Death Claim values of any Account/ Certificate (if value is Rs.20,000/- or above) should be credited to the Post Office Savings Account of the Customer/ Legal Heir/Nominee only in all CBS Post Offices if Savings A/c exists. However, in case of extreme exigencies like a Bank or any Institution presenting Certificates after forfeiting security, any depositor becomes NRI after investment and now wants to take maturity value only, the claim case where there are multiple nominees/legal heirs or any other case where Postmaster /Sub Postmaster is satisfied that depositor is genuinely not in a position to open savings account immediately or the customer is unwilling to open savings account immediately, may issue cheque for the maturity/prematurity value.

B. Repayment A/c: It is nothing but a customer’s SB A/c to which inflow of transactions happen either through auto transfer or while performing the transaction or as an EOD batch job, such as Interest outflow of MIS/TD/SCSS, closure proceeds of different POSB schemes. If the SB A/c is a Dormant or Discontinued a/c transfer to/from will not take effect. Interest outflow of MIS/TD/SCSS as an EOD batch job will not get auto verified and will remain in Entered Stage causing EOD Blocking Validation. Neither Counter PA nor Supervisor will able to post or verify until it is permitted & changed by the authorized authority at the higher level.

 Pay, Other Bill & SB Bulk Uploading (a) Command / Menu: Pay & Other Bill Uploading (Assigned to System Administrator) Work Item / Purpose Operator Supervisor Verify (V) / Menu Transaction (T) Menu Pay & Other Bill Uploading Menu Type 1 Upload Salary/Pension text files ---HTTUM T 2 Salary/Pension Uploading report generation HFINRPT HFINRPT T 3 Salary/Pension Upload report view / print HPR HPR T 4 Generation of List of pension accounts HACSP HACSP T GPOs/HOs should upload Salary and Pension in the A/cs standing at CBS Post Offices (GPOs/HOs/SOs). Even BO/GDS staff whose Salary/Pension A/cs stand at CBS Post Offices, also to be uploaded by GPOs/HOs. Office A/c of GPOs/HOs for Salary and Pension should only be used and Office A/c of SO must not be used. These will not appear in general SB LOT. SO A/cs will be treated as Inter SOL transactions. CTM or CXFER is also not to be used for depositing Salary and Pension at GPOs/HOs/SOs. After uploading, only the intimation slip may be sent to the offices. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 71 of 134

Salary/Pension text files should be uploaded only once and after uploading HPR should be compulsorily be checked for OFTI report, upload success report and upload failure report. Generation of report may take up to 30 minutes some times, If no relevant report is generated immediately, it is required to wait for minimum 30 minutes before uploading the same file again. In case multiple postings are initiated due to multiple time uploading, it requires reversal entry. HTTUM postings report can be taken from HFINRPT menu.

Creation of excel file Salary credits An excel file containing Finacle Account number, Credit Amount and remarks (eg. Salary for Feb.14) should be generated separately.

Pension credits An excel file containing Finacle Account number, Credit Amount and PPO Number should be generated separately.

The excel file should not contain column headers and total; also, the account numbers should be exactly typed as available in Finacle including the prefixed zeroes.

Conversion of excel file to Finacle format Run the file ‘TTUM.exe’. Select ‘Credit / Debit’ option and then the option (Salary / Pension / Others). Enter your SOLID. Then, click on ‘Create Finacle Format File’ option. Select the excel file needs to be uploaded. The excel file will be converted into Finacle format and message mentioning the file name / no. of accounts along with total amount included in text file will be displayed. If the excel file is not in the required format, the conversion will fail and error message will be displayed. Required corrections should be made in excel file and then conversion has to be done using the new excel file.

Select Credit for Salary & Pension and Debit for NREGS Branch adjustments. Salary credits

Debit A/c – SOL ID+0409. Credit=SB A/c of Employees

Pension credits

Debit A/c – SOL ID+0408. Pensioners

Credit=SB (Pension) A/c of

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 72 of 134

Credit (Deposit) adjustments

for

NREGS

Branch Debit (Withdrawal) for NREGS Branch adjustments

Use NregaFilanclePayment Tool provided by SDC / DMCC Chennai for preparing the data to upload to Finacle. Debit A/c–SOL ID+0410. Credit =SB A/c of workers

Credit A/c–SOL ID+0339. Debit =SB A/c of workers

Any other changes in selection may affect the Credit/Debit adversely as under. Trans-Option Credit (Deposit) Debit (Withdrawal) Remarks selection SOL ID+0339 SB A/c of Employees Debit – Salary Wrong process. SOL ID+0339 SB (Pension) A/c of Pensioners Reversal to be Debit – Pension SB A/c of workers SOL ID+0410 done. Credit – DBT SB A/c of workers SOL ID+0340 Credit – Others Sample Excel Files – Salary 0123456789 30000 Salary for Feb.15 0789123456 45000 Salary for Feb.15 7894561230 25519 Salary for Feb.15 8945612307 28923 Salary for Feb.15

0987654321 0789654123 1243569870 7856491230

Sample Excel Files – Pension 33912 Pension for Feb.15 25489 Pension for Feb.15 28786 Pension for Feb.15 30789 Pension for Feb.15

Sample – Salary Files – Converted to Finacle Format

Remarks

0123456789 0789123456 7894561230 8945612307 751001000409

Salary for Feb.15-Mar_2015 means, “Salary for Feb.15” was entered in excel file & “-Mar_2015” is added by software. It means Salary of Feb.15 paid in Mar.15. Last line of TXT file indicates -> 751001000409 (Debit Office A/c – SOL ID+0409); INR=Currency; 75100100 (SOL ID); D=Debit; 129442= Total salary credited.

INR75100100C INR75100100C INR75100100C INR75100100C INR75100100D

30000.00Salary for Feb.15-Mar_2015 45000.00Salary for Feb.15-Mar_2015 25519.00Salary for Feb.15-Mar_2015 28923.00Salary for Feb.15-Mar_2015 129442.00SALARY for Mar_2015

Sample – Pension Files – Converted to Finacle Format

Remarks

0987654321 0789654123 1243569870 7856491230 751001000408

Same as above except following changes. Item Read as Salary Pension Office A/c 751001000408 (SOL ID+0408) 118976 Total pension credited.

INR75100100C 33912.00Pension for Feb.15-Mar_2015 INR75100100C 25489.00Pension for Feb.15-Mar_2015 INR75100100C 28786.00Pension for Feb.15-Mar_2015 INR75100100C 30789.00Pension for Feb.15-Mar_2015 INR75100100D 118976.00PENSION for Mar_2015

Uploading the file in Finacle In Finacle the file has to be uploaded on the day of credit only; i.e. For February on 28/02 morning only. Menu ‘HTTUM’ is to be used for uploading the file in Finacle. The menu is available for System Admin work class.  Enter ‘PM’ in ‘Report To’ field. → Select the transaction sub type as ‘Transfer – Bank Induced’. → Select ‘Trial’ for Action. Select ‘On Successful Upload’ for ‘Rename File after Upload’ option. → Select ‘Local File Path’ and click on ‘Submit’ button (or Press F10). → Next screen with ‘Browse’ button will be displayed; select the text files generated using ‘TTUM.exe’ and click on ‘Go’ button (or Press F4). →A message ‘Batch program successfully initiated’ will be displayed. Go to HPR to see the success / failure report. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 73 of 134

 If failure report is generated, the errors such as invalid account number, should be corrected in the excel file and the excel file is to be converted again into finacle format using ‘TTUM.exe’. → After success report is generated, you have to proceed with the following steps.  Invoke ‘HTTUM’ menu in System Admin login. →Enter ‘PM’ in ‘Report To’ field. → Select the transaction sub type as ‘Transfer – Bank Induced’. → Select ‘POST’ for Action. → Select ‘On Successful Upload’ for ‘Rename File after Upload’ option. → Select ‘Local File Path’ and click on ‘Submit’ button (or Press F10). → Next screen with ‘Browse’ button will be displayed; select the correct text file generated using ‘TTUM.exe’ and click on ‘Go’ button (or Press F4). → A message ‘Batch program successfully initiated’ will be displayed. Go to HPR to see the success / failure report.  In the report, the transaction id will be displayed (e.g. S19873). Note down the transaction ID.  Check whether the ‘Salary account’ (SOLID0409) / ‘Pension account’ (SOLID0408) is debited for the entire amount and also check the individual credit of salary & pension for each account.  Salary and Pension account will always be in Credit to that extent of salary and pension payment made. The Debit (Dr.) should be equivalent to the salary or pension credited for the month. It is the duty and responsibility of the Supervisor to ensure that the amount debited from Salary and Pension account is equivalent to the credits made in respective salary and pension accounts.  HTTUM report available in HFINRPT is to be used for taking print out of the transactions created in TTUM.

Debit (Withdrawal) for NREGS Branch adjustments  In the same manner (as Salary & Pension), Debit (Withdrawal) made in MGNREGS A/cs at B.Os can be uploaded. SB Bulk Uploading: Credit the total amount to PM’s A/c (office a/c 0340). Prepare excel file in the same manner as Pay Bill. In TTUM screen Select Trans Type as “Credit”; Select option as “Others”. Create Finacle Format file and upload in HTTUM.  Pledging of A/c 1. Command / Menu of Freezing are to be used. No separate command. It is an option in freezing. 2. Certificates and TD A/cs can only be pledged. 3. For pledging a Certificate or TD A/c, prescribed manual procedure is to be followed and completed. 4. The pledge order is to be kept in the guard file preferably with the AOF. 5. Using Freeze menu option, pledge may be selected. 6. A rubber stamp indicating pledge information may be impressed on the Certificate(s) or TD A/c Passbook. If there is no rubber stamp pledge information may be written in manuscript in red ink. 7. Pledged status may be checked invoking Menu – HAFSM.  Pradhan Mantri Jeevan Jyoti Bima Yojna ( PMJJBY) and Pradhan Mantri Suraksha Bima Yojana (PMSBY) (a)

Command / Menu: PMJJBY & PMSBY Work Item / Purpose

1 2 3 4 5 6 7 8

Verification of signature New CIF creation Modification of existing CIF New Savings A/c opening Existing Savings A/c Modification Data entry for PMJJBY & PMSBY To get the total amount collected all over India Update UTR Number and Amount after RTGS

Operator Menu IES CCRC CMRC CASBAO CASBAM CPMY CUUTR CUUTR

Supervisor Verify (V) / Transaction (T) Menu Menu Type ---T CCRC V CMRC V CASBAV V CASBAM V CPMY V These two are work of Sansad Marg HO, New Delhi

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Some Important Tips & Features on PMJJBY & PMSBY: 1. PMJJBY & PMSBY is introduced in Dept. of Posts vide SB Order No.10/2015 dated 04.09.2015. 2. The schemes can be operated only through CBS Post Offices. 3. The depositor (Insurant) should have Savings A/c in CBS Post Office or ready to open new savings A/c in CBS Post Office. 4. Brief of the scheme

1 2 3 4 5 6 7 8 9 10

Item Insurance provider

PMJJBY PMSBY Life Insurance Corporation of National Insurance Company India (LIC) Limited (NIC) Rs.2 lakh Rs.2 lakh Rs,330/Rs.12/st st from 1 June or Date of Enrollment to 31 May

Insurance coverage Annual premium Enrolment / Validity period Eligibility criteria Citizen Indian Citizen Holding of Account Savings A/c in CBS PO or ready to open new Savings A/c in CBS PO Age Completed 18 Years but not completed 50 years Minimum Balance in Savings A/c Normal Non-CQ Rs.380/Rs.62/Cheque A/c Rs.880/Rs.512/Zero balance Account (Basic Rs.330/Rs.12/Savings A/c)

5. Fields with * mark in Enrollment Form are mandatory and has to be filled and if depositor is illiterate, a literate person has to sign (with address) as a witness on the form. 6. PA will go to IES menu and verify signatures on the Form (if depositor is literate) and tally signatures with signatures in Finacle. 7. If signatures are tallied, PA will invoke Finacle menu CPMY for data entry. 8. Nomination is mandatory. 9. At the end of the day, all these withdrawals will appear in the SB LOT and SB Consolidation of respective SO/HO.  PMJJBY – Brief Menu Operations 1. Verification of  On receipt of filled in Enrolment Form, PA to verify & see the form is filled in Enrolment Form correctly. Find Savings A/c & CIF exists for the insurant and check in Finacle.  If Savings A/c & CIF exist 2. Verification of IES  If Savings A/c exists, verify Signature available in Finacle with signature in Form. Signature  IES → A/c Type – N-Normal A/c → A/c ID – Give Savings A/c No. → Leave all other fields blank → Go. In the next screen Signature will be displayed if found. 3. Data CPMY  CPMY → Go → Function A-Add → Account ID – Give Savings A/c No. & click on verification & outside → PM Yojana (Scheme) – Select PM Jeevan Jyoti Bima → Go. entry  A new screen will open showing following fields auto-populated:“CIF ID, SOL ID, Name of Depositor, date of Birth (default date if not yet corrected in CIF), Gender, Nominee name (if available), Nominee relationship (if available), Address of Depositor, Address of Nominee (if available), Account Type, Aadhar Number (if available), PAN Number (if available), Applicant’s Age (based on DOB), Phone number (if available), E mail ID (if available)”. User need to verify the data to ensure correctness especially the mandatory fields (Name, Date of birth, Gender, Nomination etc.) → Click on Submit to accept the proposal and deduct the premium.  If any of the mandatory fields is not auto-populated or wrongly populated, user needs to correct it in CIF / Savings A/c. Nomination can be entered in CPMY screen.  If Error: - “Age of the applicant is more than the maximum age allowed for this policy” comes, then go to CMRC, verify & enter correct date of Birth & Gender. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 75 of 134

4. CIF modify

CMRC

5. Modify Savings A/c

CASBAM

5. verification entry

CPMY

Data &

6. AOF verification 7. New CIF creation 8. New Savings A/c creation 9.Data verification & entry

CCRC CASBAO CPMY

 If Error: - “Account Balance not sufficient for the premium debit”, then go to HACLI , verify balance & advise insurant to deposit.  CIF to be modified following the procedure of CIF modification and Supervisor to verify the CIF modification.  Function M-Modify → Modify the Savings A/c to rectify mistakes if any and to Add Nomination (Nomination for PMJJBY can also be done from menu CPMY). Supervisor to verify the modification.  After complying the above, PA to invoke menu CPMY again and perform the job as given above including nomination. On completion click on SUBMIT. Supervisor to verify. Supervisor to enter Savings A/c Number to see the information. Once he/she is satisfied, he will click on SUBMIT. At this time amount will be withdrawn (debited) from Savings Account and will be credited to PMJJBY Premium Office Account of Sansad Marg HO (SOL ID-11000100).  If Savings A/c & CIF do not exist  Advice the insurant to give filled in AOF. Verify the same.  Create new CIF following the procedure of new CIF creation. Supervisor to verify.  Create new CIF following the procedure of new CIF creation. Supervisor to verify (CASBAV).  After complying the above, PA to invoke menu CPMY again and perform the job as given above including nomination. On completion click on SUBMIT. Supervisor to verify as given above.

 PMSBY – Brief Menu Operations  Same as PMJJBY. But select PMSB (PM Suraksha Bima) in place of PMJJBY.

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 Public Provident Fund (PPF) A/c (a) Command / Menu: PPF Work Item / Purpose

1 2 3 4 5 6 7 8 9a 9b 9c 10 11

12 13 14

1 2 3 4 5 6 7 8

Operator Menu

Supervisor Verify (V) / Transaction (T) Menu Public Provident Fund (PPF) A/c Menu Type PPF New A/c Opening CPPFAO CPPFAV V PPF New A/c Modify before Verification CPPFAOM CPPFAV V New A/c Modify after Verification CPPFAM CPPFAM V Modify existing PPF A/c PPFAMAVF / PPFAMAVF / V CPPFAM CPPFAM Funding – Deposit in PPF CPDTM CPDTM V Withdrawal from PPF CPWTM CPWTM V Extension of PPF HCEXTN HCEXTN/PPFAEXT V Transfer in / Out of PPF A/c – CBS PO to CBS PO HACXFSOL HACXFSOL V PPF Transfer in from Bank or a non-CBS PO to a CBS PO CPPFAO/PPFAO CPPFAV V To edit transaction text file of Bank HTRFTOUN ---To upload transaction text file of Bank CTUPLD CTUPLD V st PPF Transfer in from Bank processing (1 Supervisor to CTPROC CTPROC TV do, then PA) Zeroing of PPF interest for the financial year in case of ---HINTTM TV Transfer-out to Bank (Run from Postmaster login & verify by another Supervisor) PPF Transfer out to Bank (To be initiated by supervisor HCAAC HCAAC TV and be verified by another supervisor) Closure of PPF on maturity HCAAC HCAAC V Pre-mature / Claim Closure of PPF (To be verified by ---HCAAC TV another Supervisor) PPF LOAN PPF Loan A/c Opening CLPPFAO / PPFLAO CLPPFAOV / PPFLAVF V PPF Loan A/c Modify before Verify CLPPFAOM/PPFLAMBV CLPPFAOV / PPFLAVF V PPF Loan A/c Modify after Verify / CLPPFAM / PPFLAMAV CLPPFAM / PPFLAMAV V Modify existing PPF Loan A/c PPF Loan Disbursement and Interest CPWTM / PPFWLINT CPWTM / PPFWLINT V Recovery PPF Loan Repayment (Principal) CPDTM / PPFDPLR CPDTM / PPFDPLR V Closure of PPF Loan A/c (Use CPDTM to pay principal) Then following steps. st PPF Loan Process (1 Step of Closure) ---CLPR T nd PPF Loan Int. Run (2 Step of Closure) HACINT ---rd Closure of PPF Loan (3 Step of Closure) HCAAC HCAAC V

Date of Introduction of PPF: In Bank-01.07.1968; Post Office-01.01.1979 (HO-01.01.1979, LSG & above01.01.1988, A Class-01.07.2011, B Class-09.01.2015, C Class- Not yet authorized).

Some Important Tips on PPF A/c: 1. 2.

3.

Base: A 15years (Financial years) scheme and all calculations are based on Financial Year. Subscription: Deposit is called subscription. Minimum prescribed subscription has to be deposited in every financial year. Else A/c will be treated as default and default fee is to be paid along with subscription. There is also maximum deposit limit. PPF A/c can be opened with initial amount of INR.100/-, but the minimum balance should be *INR.500/- in the first financial year. Else the A/c will be treated as invalid and to be closed without interest. (* Dte email on 29.04.2015 at 2231hrs). st Loan Timing: 1 loan can be taken in third financial year from the year of opening of A/c. e.g. A/c Open:st 1978-79; 1 loan allowed in – 1980-81. Subsequent loan is allowed on repayment of earlier loan with th interest. No loan is allowed from 6 (sixth) financial year from the end of year of opening of A/c (loan is

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 77 of 134

th

allowed only up to end of 5 year from the end year of opening of A/c). E.g. A/c Open:- 1978-79; Loan can be given up to: 31.03.1984 (1983-84). From 01.04.1984 loan is not allowed in the said A/c. nd 4. Loan Amount: Maximum 25% of the balance at the end of 2 year preceding the year of loan application. E.g.1. A/c Open:- 1978-79; Balance as on 31.03.1979=INR.20000/-; 1st loan allowed in – 1980-81; Maximum Loan amount=25% of 20000/- (Balance as on 31.03.1979) i.e. INR.5000/-. E.g.2. A/c Open:- 1978-79; Loan applied on 10.02.1982 (Financial year 1982-83); Balance as on 31.03.1981=INR.80000/-; Maximum Loan amount=25% of 80000/- (Balance as on 31.03.1981) i.e. INR.20000/-. st 5. Withdrawal Timing: One withdrawal in a financial year. 1 withdrawal is allowed after expiry of 05 years th from the end of year of year of opening of A/c (i.e. withdrawal is allowed from 6 (sixth) financial year from the end of year of opening of A/c). E.g.1. A/c Open:- 1978-79; 1st withdrawal will be allowed in – 1984-85; From 1984-85 onwards one withdrawal is allowed every year. th 6. Withdrawal Amount: Maximum 50% of the balance at credit at the end of 4 year preceding the year of withdrawal or at the end of the preceding year, whichever is lower. This is not applicable to extension period. E.g.1. A/c Open:- 1978-79; 1st withdrawal is allowed in – 1984-85; Maximum withdrawal amount in 198485=50% of Balance as on 31.03.1981 or 50% of Balance as on 31.03.1984 whichever is lower. If Balance as on 31.03.1981=INR.20000/- & Balance as on 31.03.1984=INR.60000/-. Withdrawal amount=INR.10000/-. E.g.2. In the above case if withdrawal is again applied on 10.02.1986 (Financial year 1985-86); Maximum withdrawal amount in 1985-86=50% of Balance as on 31.03.1982 or 50% of Balance as on 31.03.1985 whichever is lower. If Balance as on 31.03.1982=INR.40000/- & Balance as on 31.03.1985=INR.80000/-. Withdrawal amount=INR.20000/-. 7. Closure: The A/c can be closed on maturity after expiry of 15years from the close of financial year in which initial subscription was made. However, it is optional and the A/c may continue with or without subscription as per rules specified. E.g.1. A/c Open:- 1978-79; A/c Closure on or after 01.04.1994. 8. Extension: Extension period is governed by separate set of rules. - On expiry of maturity period, the A/c may continue with or without subscription for a block period of 05 years at a time. Maximum extension is for 15years (03 blocks of 05years, i.e. 5+5+5=15years). - PPF extension without subscription is treated as auto extension for earning interest. Neither deposit nor withdrawal is allowed. Closure of PPF A/c is permissible during extension period. - To avail the facility of subscription deposit or withdrawal, A/c to be extended invoking menu. - If deposit is tried without extension, Finacle will prompt to perform Extension before deposit. 9. Withdrawal Amount in Extension Period: One withdrawal in a financial year. It is subscription dependent. No subscription, no withdrawal. Total amount of withdrawal during the 05 years block period, shall not exceed 60% of the balance at his credit at the commencement (beginning) of the said 05 years block. E.g.1. A/c Open:- 1978-79; 1st extension for 05 years block made on 01.04.1994 (Financial year 1995-95) with balance at credit for INR.02Lakhs. INR.1,20,000/- can be withdrawn during the 05 years block from 01.04.1995 to 31.03.1999. 10. Repayment of Loan & Withdrawal: Loan amount is to be repaid with prescribed interest within 36 months. Withdrawal amount is not required to be repaid. 11. 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.  PPF A/c – Brief Menu Operations Open PPF A/c CPPFAO /  Function – O-Open →CIF ID →Scheme code- select from searcher → Go → PPFAO Mode of Operation - Select from Searcher → Document details - A/c Documents Recd – Yes → No. of Documents Recd → Nomination Details - If Any fill it → Submit. Note A/c ID. Supervisor To Verify – Menu – CPPFAV. Modify PPF A/c PPFAMBV /  Function – Modify → A/c ID →Click on Go →Amend details → Click on before verification CPPFAOM Submit for Verification Verify PPF A/c CPPFAV  Function – Verify →A/c ID →Click on Go → Click on Submit Opening Modify existing PPF PPFAMAVF  Function – Modify →A/c ID →Click on Go →Amend details → Submit. A/c / CPPFAM  Supervisor To Verify – Menu - PPFAMAVF/CPPFAM; Function – V-Verify -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 78 of 134

Funding (Deposit) of PPF A/c

CPDTM

Withdrawal PPF A/c

CPWTM

from

Extension of PPF

HCEXTN

Transfer in / Out of PPF A/c – CBS Office to CBS Office

HACXFSOL

Transfer-in of a PPF a/c from Bank or a non-CBS PO to a CBS PO

CPPFAO PPFAO

/

CPPFAV HTRFTOUN CTUPLD

CTPROC

Zeroing of interest for the financial year in case of Transferout to Bank Transfer-out of a PPF a/c to Bank or a non-CBS PO

HINTTM

Closure of PPF A/c

HCAAC CLOSE

Pre-mature / Claim Closure of PPF A/c

HCAAC

HCAAC

/

 Function – Add →Transaction Type / Sub-Type – Cash / Transfer →Type – N – Normal Contribution → Go → A/c No. Credit – PPF A/c ID →A/c No. Debit – SB or Sundry A/c if Transfer selected →Amount → Submit. Note Tran ID  Supervisor to Verify – Menu – CPDTM; Function – V – Verify  Function – Add →Tran Type / Sub-Type – Cash / Transfer →Type – N – Normal Withdrawal →Click on Go →Cr A/c ID If Transfer selected →Dr A/c ID – PPF A/c ID →Amount →Click on Submit for Verification. Note the Tran ID  Supervisor to Verify – Menu – CPWTM; Function – V – Verify  Function- E-Extend → PPF A/c ID (click on outside, all other fields will be updated automatically, see Exceptional Ext.: No) → Submit.  Supervisor to Verify – Menu – HCEXTN; Function – V – Verify  Source SOL ID – ID of PO where PPF A/c is existing →Target SOL ID – ID of New PO where PPF a/c has to be transferred → A/c No – PPF A/c No. →Trial Mode – No → Submit. Note Instruction No. (Also see Inter SOL transaction)  Supervisor to Verify. Menu – HACXFSOL; Function – V – Verify  Function – Open →CIF ID →Click on Go → A/c Opening Date – change to the date when a/c was opened originally as per the documents →Mode of Operation - Select from Searcher → A/c Documents Recd – Yes / No →No. of Documents Recd (If Yes) → PPF Maturity Date – Change appropriately th (Financial year closing date of the 16 FY) →A/c Opening Mode – Click on Transfer button → Old A/c No. →Old Bank Branch Details →Advice of Transfer No. → Nomination Details If Any →Document Details If Any → Click on Submit for Verification. Note A/c ID  Supervisor to Verify - Menu - CPPFAV - Function –V - Verify →A/c ID →Click on Go →Click on Submit  Make transactions file from the ledger sheet that came with the documents & to enter /dop in 'Destination Directory' →Save file for uploading To upload transaction file: A/c No. – PPF A/c No. →File Name – Give File Name →Click on Submit. Visit HPR Menu to see the upload status  Supervisor to Verify - Menu – CTUPLD; Function – Verify  Supervisor to verify - enter A/c No. Transactions are displayed. → Submit.  Again login as PA and select CTPROC menu. Select 'Process' and enter the A/c No. Transactions are displayed. Click on SUBMIT. A screen showing the transaction id details will be displayed.  Function – M – Modify →A/c ID – PPF A/c ID →Click on Go → Interest Table Code – Delete present value and select ZERO from the searcher →From Date – 01-04-YYYY →Click on Submit to verify  Supervisor to Verify – Menu– HINTTM; Function – V – Verify To be initiated by supervisor and to be verified by another supervisor Run after verifying Zeroing of interest in Menu – HINTTM  Invoke HCAAC from PA login. → Select Option ‘Transfer’ and transfer account id Postmaster Cheque account (0340) → Closure reason - ‘Transfer to Bank’  Supervisor to Verify – Menu – HCAAC; Function – V – Verify  Function – Z – Close →A/c ID – PPF A/c ID→ 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 (To be done at HO only. To be initiated by supervisor and to be verified by another supervisor)  Almost same as Closure of PPF A/c → Select Reason Code - “death claim”.

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 PPF Loan / Withdrawal Open PPF Loan A/c CLPPFAO PPFLAO

/

Modify PPF Loan A/c before verification Verify PPF Loan A/c Opening Modify existing PPF Loan A/c or after verification PPF Loan Disbursement and Interest Recovery

CLPPFAOM / PPFLAMBV CLPPFAOV / PPFLAVF CLPPFAM / PPFLAMAV

Repayment of PPF Loan – Principal & Interest (But Loan A/c is not closed)

CPDTM

Closure of PPF Loan A/c

CPDTM (Principal Repayment by A/c holder) CLPR

(CLPR and HACINT is not required when closed in the month of April after Annual Interest Calculation. At times HACINT do not work. Then send a request to concerned circle CBS CPC with details for taking up the matter with CBS-CEPT Chennai for posting of loan interest.)

CPWTM / PPFWLINT

HACINT

CPDTM (Interest Repayment by A/c holder)

CPWTM (Interest Repayment /Recovery) HCAAC CLOSE

/

 Function –O-Open →CIF ID – Auto-populated →PPF A/c No. → Go → Disbursement Type – Cash / Transfer → Opening mode: N-Normal or TTransfer in (select one) → Disbursement Cr A/c ID (give A/c ID to which amount will be transferred if Transfer is Selected) →Maximum Sanction Limit (Auto populated) → Sanction Limit – Loan Amount sanctioned/desired by customer but should be less than max. sanction limit → (Check Sanction Limit < Max. Sanction Limit) → Submit. Note A/c ID.  Supervisor to Verify – Menu– CLPPFAOV / PPFLAVF; Function – V – Verify  Function – Modify →A/c ID – Loan A/c ID →Click on Go →Amend details → Click on Submit  Function – Verify →A/c ID – Loan A/c ID →Go → Submit. Displays Disbursement Transaction ID. Note it.  Function – Modify →A/c ID – Loan A/c ID →Click on Go →Amend details →Click on Submit for Verification  Supervisor To Verify – Menu – CLPPFAM/PPFLAMAV; Function – V- Verify  Function – Add →Transaction Type / Sub-Type – Cash / Transfer → Type – Loan Disbursement →Click on Go →Dr A/c No – PPF A/c → Amount →Cr A/c No. If Transfer is selected → Submit for verification. Note both the Tran IDs  Supervisor To Verify – Menu – CPWTM/PPFWLINT; Function – V – Verify  Function- A-Add →Tran Type/Sub-Type - C/NP-Cash Normal Receipt (if paid by cash) or T/BI-Bank Transfer or T/CI- Customer Transfer (if paid by transfer) →Type – P-Principal Repayment / I-Loan Interest Repayment → Go →Cr A/c ID – PPF Loan A/c ID → Dr A/c ID (SB A/c ID in case of transfer) → Amount →Transaction particulars →Submit. Note Both Tran IDs.  Supervisor To Verify – Menu – CPDTM; Function – V – Verify  Function: A-Add →Type/Sub-Type - C/NP-Cash Normal Receipt (if paid by cash) or T/CI-Customer Transfer (if paid by transfer) →Type – P-Principal Repayment → Go →Cr A/c ID – PPF Loan A/c ID → Dr A/c ID (SB A/c ID in case of transfer) → Amount → Transaction particulars →Submit. Note Both Tran IDs. Supervisor To Verify – Menu – CPDTM; Function – Verify For calculation of interest amount. To be invoked by Supervisor.  Function Code – P – Process →A/c No. – Loan A/c No. →Click on Go  From A/c ID – Loan A/C ID →Report to - PM →To date – Yesterday’s Date → Post Transaction – Yes →Frequency Based Interest Run – No → Dr / Cr Interest – Debit Interest Only →Submit. Check HPR to view report and recover interest by CPDTM. This operation need not be verified. If PPF account is not a matured account – A/c holder to pay loan interest  Function Add →Tran Type / Sub-Type - Cash Normal Receipt → Type = ILoan Interest Repayment → Go →Cr A/c ID – Loan A/c → Amount →Click on Submit for Verification. Note Tran IDs  If Tran Type / Sub-Type= T/CI- Customer Transfer (by transfer) → Cr A/c ID – Loan A/c →Debit A/c No. (from where amount is to be transferred) → Amount → Submit. Supervisor To Verify – Menu – CPDTM. If PPF account is a matured account – Interest gets recovered from PPF A/c  Function Add →Tran Type / Sub-Type – T/CI- Customer Transfer → Type – ILoan Interest Recovery →Click on Go →(Cr A/c ID – Loan A/c – Not editable) → Dr A/c ID (PPF A/c) → Amount (auto fetched)→ Submit. Note Tran IDs  Supervisor To Verify – Menu – CPWTM; Function – V – Verify  Function – Z–Close → A/c ID – PPF Loan A/c ID → Uncheck Transfer as Principle and Interest entries would be passed using CPDTM as mentioned in previous steps. → Go →Click on Closure Tab →Reason Code – Select from Searcher → Submit. Note Trans. ID.  Supervisor To Verify – Menu – HCAAC/CLOSE – Function – V – Verify

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 Recurring Deposit (RD) A/c (a) Command / Menu: RD Work Item / Purpose

1 2 3 4 5 6 7 8

9 10 11 12 13 14 15 16 17 18 19 20 21

Operator Menu

Recurring Deposit (RD) A/c RD New A/c Open RD New Account Modify before verify RD New Account Modify after verify Funding – Deposit in RD Manually Extend RD for next 05 years Extension of RD Deferment of RD Maturity Date in case of permitted defaults Removing RD Lien of Loan Interest before closure when principal has already been paid before migration to Finacle Close RD A/c Pending Installment Inquiry RD Agent (MPKBY) Agent Transactions - Agent Bulk Posting View/ Modify attachment of Agent to RD a/c Check the agent type RD Loan RD Loan A/c Opening RD Loan A/c Modify Before Verification RD Loan A/c Modify After Verification RD Disbursal RD Loan Repayment – Unschedule RD Loan Repayment – Schedule RD Loan Pay off Process RD Loan Closure

 RD A/C – Brief Menu Operations Open RD A/c CRDOAAC / RDAOCM

Modify RD A/c before verification Verify RD A/c Opening Modify existing RD A/c

CRDOAACM / RDMAO CRDOAACV / RDAOVF CRDACM / RDAMM

CRDOAAC /RDAOCM CRDOAACM / RDMAO CRDACM CRDP / CRDAMT PRDCM HPRDCM PMDDRD

Supervisor Verify (V) / Transaction (T) Menu Menu Type CRDOAACV/RDAOVF V CRDOAACV V CRDACM V CRDP/ CRDAMT V PRDCM V HPRDCM V PMDDRD V

HALM

HALM

CRDCAAC / RDACLM HPLIST HAGTXP CRDACM HDSAMM

CRDCAAC/RDACLM HPLIST HAGTXP CRDACM --

CAOLARD / RDHWAO CAOVLARD/RDHWAVF CAOMLARD/ RDHWAMBV CAOMLARD CACMLARD/ RDHWAMAV CACMLARD LARDD / RDHWDP LARDD HLAUPAY HLAUPAY HLASPAY HLASPAY HPAYOFF HPAYOFF CAACLA CAACLA

V

V T V V

V V V V V V V V

 Function – O-Open → CIF ID →Scheme Code – RDIPN (Scheme Code – click on searcher – click on Submit on next screen and select) → Go → Mode of Operation - Select from Searcher → Monthly Installment – Give RD Installment Amount → Transaction Required – Yes (if by mistake No is selected, then do funding by CRDP after successful A/c opening verification) → Transaction Creation during - A/c Opening or A/c Verification (If A/c Verification is selected, then after verification by Supervisor, it will ask to do funding. But in our case funding during A/c Verification is not activated) → Transaction type – Cash/Transfer → Debit A/c No. (Give if trans. Type is Transfer) → No. of Installments →Document details – A/c Documents RecdYes/No →No. of Documents Recd – Give no. of documents → Doc Code – Select from Searcher → Nomination details → Click on Flow ID Tab → Submit. Note RD A/c ID and Tran ID.  Supervisor to verify – Menu: CRDOAAC.  Function – M - Modify →A/c ID →Click on Go →Amend details  Click on Submit  Function – Verify →A/c ID →Click on Go  Click on Submit  Function – Modify →A/c ID →Click on Go →Amend details → Submit  Supervisor To Verify – Menu – CRDACM / RDAMM; Function – Verify

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 Function – Add →Transaction Type – Cash / Transfer – Customer Induced → Go →RD A/c No. → Amount (If more amount is put, it will automatically pick the no. of installments) → Mode of Payment – For Transfer Click on Cheque or Withdrawal Slip (If cheque is selected then give cheque No. & date) → A/c ID – Give SB A/c no. →Click on Submit for Posting by Verifier. Note Tran ID. Verification: Menu – CRDP →Function – P-Post →Tran ID →Go → Submit RD Extension for HPRDCM / Extension is automatic. If any a/c is missed, then the same can be extended another 05 Years PRDCM by using this command. Deferment of RD PMDDRD Maximum of 4 defaults on the day of maturity is allowed. Maturity date can Maturity Date be deferred equivalent to the number of defaults subject to max.4. Close RD A/c CRDCAAC / Trial Closure: Function – L – Trial Close →A/c ID → Go → Close Mode – Cash RDACLM / Transfer →Click on Check Box Close → Close Reason – Select from the searcher → Accept → Click Submit. View/Print Report by HPR. Pay by cash for INR below 20000/-. Final Closure: Function – Z – Close →A/c ID → Go →Click on Check Box Close For INR.20000/- or more give → Close Reason – Select from searcher → Select Cash or Transfer → Give Repayment A/c ID (customer’s SB Repayment A/c ID → Submit. In the next screen it displays closure details. A/c or PM’s cheque A/c (0340)). Note the Tran ID.  Supervisor to Verify – Menu - CRDCAAC/RDACLM; Function – V – Verify. Closure within 3 CRDCAAC /  User should be careful while closing RD account. System will only THROW years RDACLM EXCEPTION if the RD account is closed within the lock in period. Counter PA should not accept the EXCEPTION and should not proceed further. If the EXCEPTION is accepted, system will allow CLOSURE within LOCK in period. Migrated account  Default fee is put as a lien on RD account. where default fee  During closure the default fee will be deducted by the user before paying the closure has not been proceeds to the customer. collected in Sanchay  The LIEN marked should be lifted (MODIFIED) using HALM menu and proceed for closure post using CRDCAAC menu RD A/c Transaction Posting

CRDP RDAMT CRDAMT

/ /

 RD Loan / Half Withdrawal Some Important Tips / Explanations and Sequence of RD Loan / Half Withdrawal in Finacle 1. After completion of one year (12 installments), 50% of the balance of a RD A/c is allowed as RD loan, only once during the currency of the A/c. 2. RD loan is not allowed in defaulted RD A/c or in discontinued RD A/c. 3. RD loan repayment is not allowed to be made through Agent Portal. 4. The RD loan has to be paid across the counter by the depositor or agent on behalf of depositor. 5. Repayment of RD loan can be done any time with any amount called Unscheduled payment in menu HLAUPAY. In Finacle, Lump Sum deposit is called Bullet Payment. Final repayment is to be made by HPAYOFF. 6. Verify the SB-7 & RD Pass Book. Ensure the A/c is eligible to take Loan / Half Withdrawal. 7. See the Loan amount applied. It must be in multiple of 5 (five). 8. Confirm withdrawal type: Cash (below INR.20000/-) / Cheque / Transfer to SB A/c. 9. For Transfer to SB A/c, ask the customer write SB A/c No. on the SB-7. Verify the existence & status of SB st A/c. It should be an active A/c and must be opened on or before 1 day of the month of Loan disbursement and SB account opening verification is not pending at the time of Loan disbursement. If dormant (silent), then revive first (before RD loan sanction). 10. If new SB A/c is to be opened, then open new SB A/c as per procedure and request the customer to come next day for RD Loan. st 11. Open RD Loan A/c and value date is 1 of the current month. Supervisor to verify RD Loan A/c opening. 12. Disburse the RD Loan in system as per requirement (Cash / Cheque / Transfer) & ensure value date of the Disbursement is first of the month of disbursement. 13. Supervisor to verify RD Loan payment. 14. View original RD A/c. Ensure Lien is marked. 15. Take aquittance from depositor on SB-7 and hand over the instrument which is applicable (Cash / cheque). In case of Transfer to SB A/c nothing is to be given to the depositor. 16. Print the pass book. For withdrawal from SB A/c, follow SB withdrawal procedure. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 82 of 134

 RD Loan / Half Withdrawal - Brief Menu Operations Open RD Loan A/c CAOLARD /  Function – Open → CIF ID → RD A/c Number →Scheme Code – LARD → Go RDHWAO →Name etc. will be populated → Loan Amount →Amend Loan Sanction Date →No. of Installment (Auto populated) → Installment & Int. start date st -1 of the current month →Installment Freq. (Type) – Bullet/Monthly (Monthly is better) → Installment Amount → Submit →OK. (Value date is st always 1 of the current month). Note Loan A/c ID.  Supervisor to Verify– Menu - CAOVLARD/RDHWAVF; Function – V – Verify. Modify RD Loan A/c CAOMLARD /  Function – Modify →Loan A/c ID →Click on Go →Amend details → Submit before verification RDHWAMBV  Supervisor to Verify– Menu- CAOVLARD/ RDHWAVF; Function – V – Verify. Verify RD Loan A/c CAOVLARD /  Function – Verify →Loan A/c ID →Click on Go Opening RDHWAVF  Click on Submit Modify existing RD CACMLARD /  Function – Modify →A/c ID →Click on Go →Amend details → Submit. Loan A/c RDHWAMAV  Supervisor To Verify–Menu–CACMLARD/RDHWAMAV;Function – V– Verify RD Loan LARDD /  Function – Disbursement →Loan A/c ID → Disbursement Amount → Mode disbursement RDHWDP of Disbursement – Cash / A/c Transfer (Better is Transfer) → Credit A/c ID – (Value date is If transfer selected →Amount →Change Value Date → Submit → OK. st always 1 of the  Supervisor To Verify – Menu– LARDD/RDHWDP; Function – V – Verify month in which loan  Note: Check HACCBAL to show the system lien marked on RD A/c. is disbursed) Balance in RD a/c will not get reduced. Making HLAUPAY Do not accept final repayment in HLAUPAY - interest will not be calculated. Unscheduled RD  Payment Type –P-Payment →Transaction Type – Click on Cash or Transfer Loan Payments If Transfer is selected, give Common Debit A/c No. → Debit From – select Common Debit A/c → Go → Loan A/c ID →Credit Amount → Give Cheque Details if paid by POSB cheque → Accept →Submit. Note Tran ID.  See “How to get it” if Trans. ID is not noted due to any reason.  Supervisor To Verify – Menu – HLAUPAY – Function – Verify RD Loan A/c Payoff HPAYOFF Accept final repayment in HPAYOFF. Loan interest will be calculated. – Final Payment  Function – P-Payoff Loan Amount → A/c ID (Loan A/c) → Transaction Type – Cash Receipt (to take payment by cash) /Transfer – T/CI-Transfer st (Value date is 1 of the month if Customer Induced (to take payment by transferring amount from SB A/c) th closed by 10 else give transaction → Collect Refund A/c ID – Give SB A/c or appropriate Loan Sundry/Office date. It is better to take transaction A/c No. (if transfer is selected) →Give cheque details if DOP cheque is given date as Value date) → Go → Click on Create Transaction → Submit.  Supervisor To Verify – Menu – HPAYOFF – Function – V-Verify → A/c ID (Loan A/c) → Go → Click on Create Transaction → Submit → Accept. (Note Tran ID) RD Loan A/c closure CAACLA Ensure final loan repayment is done using HPAYOFF and balance is Zero.  Function – Z – Close →Loan A/c ID → Go →Click on Check Box Close →Close Reason – Select from Searcher → Accept → Submit.  Supervisor To Verify – Menu – CAACLA – Function – Verify Premature Closure of RD HPAYOFF  Same as given above for HPAYOFF. A/c where loan is CAACLA  Same process as given above against RD Loan A/c closure – CAACLA. outstanding CRDCAAC /  Function – Z – Close →A/c ID →Click on Go →Close Mode – Transfer → Closure Sequence RDACLM Repayment A/c ID – Same A/c No. given for Loan Closure → Click on (Procedure-1) Check Box Close →Close Reason – Select from searcher → Click on 1. Repay the loan Accept →Click on Submit for Verification. Note the Tran ID 2. Close Loan A/c  Supervisor to Verify – Menu - CRDCAAC/RDACLM; Function – V – 3. Close RD A/c Verify. OR (Procedure-2) 1. Close using menu Note: Always prefer Procedure-2 for PMC. CRDCAAC / RDACLM 2. Loan will be zero but A/c will remain alive. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 83 of 134

 Rectification of Wrong Postings / Fake-unwanted A/c opening and Exceptional Closure (a) Command / Menu: Rectification of Wrong Posting & Exceptional Schemes Work Item / Purpose (Rectification of) Operator Supervisor Verify (V) / Menu Transaction (T) Menu Rectification of Wrong Postings (POSB scheme wise) Menu Type 1 CC - Certificate is wrongly printed or the post office is ---HDUDRP T in possession of the wrong certificate & a duplicate certificate needs to be printed( By Postmaster only) 2 Exceptional Scheme - Transfer of A/c to Exceptional HACXFRSC HACXFRSC V Scheme / Transfer accounts across scheme codes (within the same POSB Scheme) 3 GENERAL - Wrong printing of customer address or HRRCDM HRRCDM Not Post Office name in Passbook given 4 PPF - Deposit made in wrong account number CPWTM & CPWTM & V CPDTM CPDTM 5 PPF - Deposit amount is wrong CPWTM CPWTM V 6 PPF - account open date is Wrong (Following 4 steps) 6a PPF - zeroing of PPF interest for the current financial HINTTM HINTTM V year (In Postmaster login) & Verification to be done by another Supervisor 6b PPF - Closure of account (wrong open date) in HCAAC HCAAC V Counter PA login 6c PPF - PPF new account opening CPPFAO CPPFAV V 6d PPF - If transfer in, also follow transfer in procedure See PPF See PPF 7 RD – Forget to give Installment amount in New A/c CRDP / CRDP / V opening & not accepting in Modification. Correct the CRDAMT CRDAMT problem by funding RD 8 SB - Wrong Cash Deposit / withdrawal CTM CTM V 9 TDS - Refund of wrongly deducted TDS HRFTDS ---10 In CQ clearing wrong Office A/c given CXFER CXFER V 11 Fake / Unwanted A/c opening verification ---HOAACVTD V 12 Fake / Unwanted A/c closure HCAACTD HCAACVTD V Following mistakes cannot be rectified. 1. Wrong POSB scheme selected for new A/c opening – Cannot be changed later on. 2. A/c closed (Normal / Matured / premature) – Cannot be made live again. 3. Less withdrawal made in PPF by mistake - Neither the withdrawal can be cancelled nor is 2nd withdrawal allowed in same financial year. 4. Wrong amount in funding (Deposit / Withdrawal) – Cannot change the amount. 5. Wrong deposit in SSA scheme - No reversal – Cannot perform any change. 6. Wrong Certificate Denomination selected on issue - Cannot be changed later. 7. Certificate written manually handed over to depositor without printing. Later system issued the same Certificate to some other depositor. Now both the depositor has wrong Certificate - Cannot be rectified. These certificates will also not get discharged in future.  Rectification of Wrong Posting – Brief Menu Operations Rectification which requires additional transaction(s), it is wiser / better to record the remarks on the pay-in-slip / Withdrawal-slip (or in the reverse side) with dated signature of Supervisor / Postmaster. Rectification of CTM Wrong Entry made as under: Wrong Cash Deposit  Amount Y would already have been posted in the customer a/c. Menu – CTM; (eg. Amount ‘X’ is Function – Add; Function Type – Deposit. posted as Amount Following 02 steps are required for correction. ‘Y’ 1. Reversal Entry (for Wrong Entry made):  Menu – CTM → Function – Add → Function Type – Withdrawal → A/c ID where wrong entry was posted → Amount – Y → Trans Particulars: Reversal of -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 84 of 134

Important Note: Fill “Trans Particulars” correctly. It is the only field which guards the user.

PPF Deposit made in wrong account number

CPWTM & CPDTM

Important Note:(Report code is very important. Other than "REVRS" may lead to not allowing withdrawal) PPF Deposit amount is wrong

CPWTM

(See above Note)

PPF account open date is Wrong (04 steps to be followed)

HINTTM

HCAAC

CPPFAO

Refund of wrongly HRFTDS deducted TDS Certificate is wrong HDUDRP Wrong printing of HRRCDM customer address or Post Office name in Passbook

Wrong Office A/c given in outward Cheque clearing

CXFER

Fake / Unwanted HOAACVTD A/c opening verify

Wrong Cash Deposit → Post. Note the Tran ID  Supervisor to Verify – Menu – CTM ; Function V– Verify 2. Correct Entry (for the correct amount):  Menu – CTM → Function – Add → Function Type – Deposit →A/c ID → Amount – X → Post. Note the Tran ID  Supervisor to Verify – Menu – CTM ; Function V– Verify N.B.: For wrong withdrawal do accordingly i.e. in Reversal make deposit & in Correct entry make withdrawal. 1. Reversal Entry (for Wrong Entry made):  Menu – CPWTM → Function –Add → Function Type – C/NP Cash Normal Payment --- N Normal Withdrawal →Enter the Dr. account number (wrong account number) → Enter the amount as in the Deposit transaction → Enter the report code as "REVRS" & Submit. . Note the Tran ID.  Supervisor to Verify – Menu – CPWTM ; Function V– Verify 2. Correct Entry (for the correct a/c):  Menu – CPDTM → Function –Add → Function Type → C/NR Cash Normal Receipt --- N Normal Contribution →Enter the Cr. account number (correct PPF account number) →Enter the correct amount & Submit. Note the Tran ID. Supervisor to Verify – Menu – CPDTM ; Function V– Verify 1. Reversal Entry (for Wrong Entry made):  Menu – CPWTM → Function –Add → Function Type – C/NP Cash Normal Payment --- N Normal Withdrawal →Enter the Dr. PPF account number → Enter the excess amount deposited in the transaction→ Enter the report code as "REVRS" & Submit. . Note the Tran ID.  Supervisor to Verify – Menu – CPWTM ; Function V– Verify 1. Zeroing of PPF interest for the current financial year (In Postmaster login)  Menu – HINTTM from Postmaster login → make interest for the current financial year for the PPF account (with wrong open date) zero.  Another Supervisor to Verify – Menu – HINTTM ; Function V– Verify 2. Closure of PPF account (wrong open date) in Counter PA login  Menu – HCAAC → Function – Z – Close →A/c ID – PPF A/c ID (wrong open date) → Closure reason -- Transfer to Bank -- Option ‘Transfer’ has to be selected and transfer account id should be Postmaster account (0340)  Supervisor to Verify – Menu – HCAAC ; Function V– Verify 3. PPF new account opening. Follow procedure for PPF new account opening. Supervisor to Verify – Menu – CPPFAV ; Function V– Verify 4. If transfer in, besides above follow transfer in procedure  For menu operation & procedure see TDS Module/ Topic. Certificate is wrongly printed or post office is in possession of wrong certificate & a duplicate certificate needs to be printed(See KVP/NSC for details). Menu – HRRCDM → Check the city code linked to the address of the Post office or the customer address. Then validate the city code description. Either city code in the customer's address / Post office address has to be changed in the address details or the description of the particular code has to be changed. HRRCDM access is given to DOP Operations team to maintain the details. Hence CEPT Team can be contacted. NDC cheque cleared in SOLID+0017 instead of SOLID+0382. On A/c opening message appears “Cheque not cleared”. Do as follows:- CXFER → give the back value date (if a MPKBY agent CQ, give e-banking reference date) → enter same transaction particular → Post (See whether it is working)  During Finacle problem, if SUBMIT is clicked more than once, Fake / Unwanted A/cs get opened. If transaction is verified in HTV, then these A/cs cannot be deleted. No other option but to verify them in this command.

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Fake / Unwanted A/c closure Entry of actual cheque cleared date

 To overcome the above & close these Fake / Unwanted A/cs, Counter PA to use this command & Supervisor to verify in the menu option HCAACVTD. It is required to enter actual cleared date for new MIS/SCSS/TD/RD/NSC/PPF A/cs or for subsequent deposit in RD/PPF A/cs. On regularizing cheque zone, cleared date is by default the current date & no option to change. So actual cleared date should be entered in Value date field in respective transaction screen. For more details refer A/c opening by Cheque. HCAACTD

 Exceptional Schemes / Closure SCSS/MIS/TD/RD/KVP/NSC deposit accounts have certain lock in period before which the A/c cannot be closed. When the is trying to close the deposit before the Lock in period, system will raise the exception message to the user based on setup. But there are certain circumstances (Court order, order of Ministry of Finance. Death case, forfeiture, irregularly opened A/cs, Unwanted A/cs opened automatically during system problem etc.) where it is required to close the deposit (A/c) before the Lock in period. Scheme Lock in period Exceptional Remarks Scheme Code KVP 02Years & 06months PMC allowed after 02Years & 06months MIS 01Year MISE1 PMC allowed after 01Year on discount. W.e.f. 10.02.2006 discount is 2% for >1year & <3year; 1% for >3years. th NSC 8 06Years Conditional PMC on exceptional cases. th NSC 9 10Years Conditional PMC on exceptional cases. PPF 15Years Conditional PMC on death case. RD 03Years RDIPE PMC allowed after 03Years w.e.f 04.11.1999 on SB interest rate. SB Nil SCSS 01Years SCEXP PMC allowed after 01Year on discount. W.e.f. 02.08.2004 discount is 1.5% for >1year & <2year; 1% for >2years. SSA 18Years Conditional PMC on marriage / death case TD Nil TDIPE Lock in period 06months removed w.e.f 01.04.2014 vide SB Order No.05/2014. Sequence of operation for Exceptional Closure: 1. Use menu HACXFRSC (Transfer from one Scheme to another Scheme except RD & CC) by Counter PA. 2. Supervisor to verify with same menu HACXFRSC. 3. Use HPR menu to know successful transfer of account. 4. Invoke the menu option HINTTM for Changes in the Interest (For SCSS, MIS). 5. Verification by the Supervisor with menu option HINTTM. 6. Invoke the menu HCAACTD for the closure. 7. Verification by the Supervisor with menu option HCAACVTD.  Exceptional Schemes / Fake-Unwanted A/c – Brief Menu Operations Transfer to Exceptional Schemes and performing closure there in may be supported by order / authority letter from some higher authority e.g. Postmaster / Divisional Supdt. / Director / PMG / CPMG etc. Transfer of A/c to HACXFRSC  Function – T–Transfer → Go →A/c ID → Source Scheme Code (Auto populated) Exceptional Scheme → Target Scheme Code – Give Exceptional Scheme Code →Target GL subhead / Transfer accounts Code (comes automatic) →Submit. Note Instruction No. Click on OK. within the same  Supervisor to verify – HACXFRSC; Function –V- Verify st POSB Scheme [1 ]  Exceptional scheme helps in Irregular closure. Use close menu option to close the irregularly opened A/c. Supervisor to verify the closure. Report view [2nd] HPR  Invoke HPR. Select report: “Scheme change Success Report” to view status. Specify interest rate HINTTM  Used to specify interest rate from date of death to the current date. [3rd]  To be used by a higher work class (Supervisor or Postmaster) to enable the interest rate as per the instruction from Court Order/ Min of Finance.  Supervisor to verify – HINTTM; Function –V- Verify Closure of A/c HCAACTD  Function -Z-Close → A/c ID → Closure value date – BOD Date → Go → Click on [4th] / Visit Tab “Closure details” → Close Mode – select any one : C-Cash only (for -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 86 of 134

RD Closure within (before) lock in period of 3years

CRDCAAC

MIS Closure within HCAACTD 1years of opening

below 20000. Needs to run HCASHPND for cash transfer to teller a/c); B-Both (the money can be transferred to both Cash mode and repayment a/c, do not use it); R-Repayment a/c only (money goes to the Repayment A/c specified (savings accounts) or to Office A/c Basic; N-Customer Instruction – then the proceeds go the sundry deposit placeholder) → Click on / Visit Tab “Closure Exceptions” → Closure Reason Code – select appropriate one from searcher → Submit → OK. Supervisor to verify – Menu – HCAACVTD; Function – V-Verify.  System will only THROW EXCEPTION if the RD account is closed within the lock in period. Operator neither should accept the EXCEPTION nor proceed further. If EXCEPTION is accepted, system will allow CLOSURE within LOCK in period.  Supervisor to verify the closure – Menu – CRDCAAC; Function – V-Verify.  Same as TD/SCSS.  Supervisor to verify – Menu – HCAACVTD; Function – V-Verify.

 RM e-Banking Portal It is a combination of different activities in the authorized web site such as management of Agent/Internet banking / st Mobile banking /ATM Cards. At present it is not within the purview of Post Offices. As on 1 April 2015, only ATM has come which is managed from Finacle menu. Hence a few items are illustrated for the sake of general knowledge. Create  Login – Bank User →Password →Click on Agent User Admin → Click on Create New →Agent User ID (to Agent be exactly the same as created on Finacle) →First Name →Last Name →Salutation → Date Format – ddPortal mm-yyyy →Language ID – English →Menu Profile – DOPAGN →Authentication Mode – Password →Click User on Continue → Give Remarks →Give Transaction Password →Click on Submit. Note the Ref ID  Another RM to Login →On dash board click on Records Pending For Approval →Select the reference ID →Click on Approve → Give Transaction P/w →Submit →Click on Agent User Admin → Select Agent ID →Set Password →Check Sign On Password → Click on Continue →Give Transaction Password →Submit → Click on Enable / Disable User →Select Login Password →Submit. Back end to generate password. Create  Login – Bank User →Password →Click on Retail Administration → Click on Create New →CIF ID → Click Retail on Look Up – System will fetch details from Finacle →Salutation → Brand ID – Brand 1 →Menu Profile – User DOPRET →Entry Limit Scheme – Retail Default →Transaction Limit Scheme – Retail Default → Transaction Authorization Scheme – Retail Default →Authentication Mode – Password →Secondary Authentication Mode – One Time Password →Accessible Financial Transaction Types – Select All  Authorisation Mode Precedence – Transaction Level → Click on Continue →Give Remarks →Give Transaction Password → Submit. Note the Ref ID  Another RM to Login →On dash board click on Records Pending For Approval →Select the reference ID →Click on Approve →Give Transaction P/w →Submit → Click on Retail Admin →Select CIF →Click on Set Password → Click on Check Box Sign On Password →Click on Check Box Transaction Password →Click on Continue →Give Transaction Password → Submit →Click on Enable / Disable User →Click on Mode → Login Password – Enable →Transaction Password – Enable → SMS OTP - Enable →Back end to generate passwords → Submit  Savings Accounts (Known as SB A/c) (a) Command / Menu: SB Work Item / Purpose

1 2 3 4 5 6

Savings Accounts (Known as SB A/c) SB New Account Open SB New Account Modify before verify SB New Account Modify after verify Funding in SB A/c - Cash Transaction Funding in SB A/c - Transfer Transaction Closing of SB A/c

Operator Menu CASBAO CASBAOM CASBAM CTM CXFER HCAAC

Supervisor Verify (V) / Transaction (T) Menu Menu Type CASBAV V CASBAV V CASBAM V CTM V CXFER V HCAAC V

SB A/c Ledger Inquiry/ Balance Details/ Inquiry / Minor to Major Report (7 to 10) deleted as given under common.

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 SB A/c – Brief Menu Operations Opening a new SB CASBAO / A/c QDESA

 Function – O-Open → Give CIF → Scheme Code – Select from searcher → Click on Go → Cheque A/c – Yes/No → Mode of Operation - Select from Searcher → No. of Docs – Give the number of documents taken from the customer and Code A/c Type accordingly give document details. → Doc Code – Select from searcher → Doc SBGEN –Without Cheque Book Date – date of the document → Welfare scheme code (For SB Basic Savings SBCHQ –With Cheque Book A/c) → BPL & PPO No. etc → For Joint A/c fill: Related Party Details 2 & 3 as SBBAS –Basic Saving Account the case may be → Nomination–Yes/No → If Nomination – Yes; fill Nomination SBPEN –Pension With Cheque Book SBPWC–Pension w/o Cheque Book Details & specify share of each nominee → Submit → OK. Note A/c No. SBSAN–Sanchayika With ChequeBook  (SB - Pension A/c is not eligible for repayment A/c). SBSWC-Sanchayika w/o ChequeBook.  Supervisor to verify – Menu – CASBAV / QDESAVF ; Function – Verify Modification of new CASBAOM /  Function – Modify → A/c ID – Give the newly opened a/c no. → Click on Go → SB A/c Before QDEMSABV Make the necessary amendment → Submit Verification  Supervisor to verify – Menu – CASBAV / QDESAVF ; Function – Verify Verification of SB CASBAV /  Function – V - Verify → Temporary A/c ID – Give the newly opened a/c No. → a/c opening QDESAVF Click on Go → Submit. Modification of SB CASBAM /  Function – Modify → A/c ID → Click on Go → Make the necessary amendment a/c after verification QDEMSA → Submit or in existing A/c  Supervisor to verify – Menu – CASBAM/QDEMSA ; Function – Verify Funding of the of SB CTM By Cash : Function – Add → Function Type – Deposit or Withdrawal → Click on Account Go →A/c Id → Amount → Click on Post. Note the Tran ID  Effective available balance is the eligible amount of withdrawal. (Also Ref. Common  Supervisor to Verify – Menu – CTM ; Function V– Verify for CTM & CXFER CXFER By Transfer: Function – Add → Click on Go → Dr A/c ID → Verify Signatures → menu options) Cr A/c ID → Give Amount → Mode of Transaction – Cheque / Withdrawal Slip →If cheque then update cheque date & No. →Check Mode of Operation → Click on Post. Note the Tran ID. Supervisor to Verify – Menu – CXFER. Silent Revival CASBAM  Function – M-Modify → A/c ID → Go → Modify the account status from Silent to Live →Submit. Supervisor to verify – Menu – CASBAM; V- Verify Closing of SB HCAAC / Credit A/c (Repayment A/c) information gets removed at the day end (HSCOLD), Account CLOSE on the date in which the KVP/ MIS/ NSC/ RD/ SCSS/TD A/c gets closed. To close a SB A/c, it is required to follow some procedure as under. System Validates/Checks the following parameters Account balance and shadow balance is zero ; No transactions pending in entry stage; No standing instructions exist ; No lien is marked, When unverified collateral records exist with the account as lien; No freeze marked on the account; Cheques are destroyed; Interest calculation is up-to-date. System will do the validation checks as indicated above. Act on these validations and then close the a/c selecting appropriate Reason Code. Steps / Sequence of closure – Ensure the following before closure 1. Note existence / status of the following invoking HACCDET & HACLI. HACCDET HACLI Items Status Items Status A/c status A-Active; if Dormant revive it Funds in Clearing Should be zero. Else regularize shadow balance Scheme code If cheque a/c, then destroy the Lien cheques Freeze If freeze, Unfreeze it. Closing Balance Note it. 2. If freeze, Unfreeze it (Menu: HAFSM). Supervisor to verify. 3. If Dormant revive it (Menu: CASBAM). Supervisor to verify. 4. No transaction is pending in Entered / Posted Stage (Menu: HFTI). If there, clear it (Supervisor to verify). 5. Any Interest Inflow has occurred to the A/c on the day (Menu: HACLI). If YES, request the depositor to close on the next day. 6. Remove Credit A/c information by modifying concerned TDA (Menu: CASBAM). Supervisor to verify. (To know the A/cs, invoke HCAAC; go to “Closure” Tab. If there is such A/c, the same is listed at the bottom of the page under heading “Dependent Acct. Details”. If there is no such A/c, the heading will not be visible). 7. Remove Standing Instructions if any (Menu: HSSIM). Supervisor to verify. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 88 of 134

8. 9.

Delete / Destroy unused cheque leaves (Menu- HCHBM). Supervisor to verify. Calculate current year interest (CYI) (Menu: HACACCR). Go to HPR, view/print report. To be paid = CB+CYI. (Optional for HO & SO A/c. But required for BO A/c to give sanction) 10. (Optional) Make the Balance zero by withdrawal (Menu-CTM or CXFER as the case). If “User hook error” comes, leave this step. Supervisor to verify. N.B. Sl.No. 9 (HACACCR Menu) & Sl. No.10, making the balance zero are optional for the A/c stands at HO & SO. When closed using HCAAC, it will calculate the CYI. 11. Close the A/c (Menu – HCAAC/CLOSE). Supervisor to verify. 12. Go to HACLI / HACCBAL and view amount to pay.  HCAAC → Function –Z- Close → A/c ID – SB A/c to be closed →Balance –Uncheck Transfer Box if Balance is zero →Transaction Type –Cash / Transfer →Transfer A/c ID – Another SB A/c or Post Master Cheque A/c if Transfer selected in Transaction Type →Go → Click on Closure Tab. Give Reason Code (select from searcher) → Give penal Amt. if any, else give as ZERO → See “Interest Calculation Information” → Apply interest till date – Select Yes if Interest Calculation is not updated, else select No → Submit. Note the Tran ID. Supervisor to Verify – Menu – HCAAC/CLOSE. Changing the status HCBM →  Report To – Type designation to whom report is to be given (e.g. PM) → of the customer HPR Change Status to Major – N → Select Date Range → Click on Submit. from Minor to Major  Invoke HPR to view report (Report Name: Customer becoming Major) (See Common also) CMRC – o Customer Modification: CIF Modification (CMRC) – Change Minor Flag CASBAM - o A/c Modification (CASBAM)– Mode of Operation, Document Details A/c Balance Inquiry HACCBAL  A/c ID → Click on Go → Click on Go A/c Trans. Enquiry HACLI  A/c ID → Click on Go → Click on Go A/c Details Enquiry HACCDET  A/c ID → Click on Go → Click on Go  SB (POSB) Cheque Book Maintenance Issue Cheque Book HICHB /  Ensure that POSB Cheque Book is available with Counter & split. (POSB Cheque Across the Counter HICHBA Book Inventory management to be done by Supervisor. Receipt from external (To the customer) source (ZZ to DL) i.e. DAP/CSD – Menu -HIMC; Split as per POSB Cheque leaves in a Book – Menu -HISAI; Supply to Counter(s) (DL to EM) - Menu – HIMC)  Function – Issue → Ack. Obtained–Yes → A/c ID → Cheque Type – CHQ → Go →Cheque With – Note: It is important to check the employee code here →Select Cheque Book (FIFO Method) by checking the box →(Note: More than one cheque-book can be issued to the customer by checking more than one box.) →Submit. Note Trans ID. (It will automatically show “To Location” as ZZExternal). Supervisor to verify – Menu – HICHB/HICHBA ; Function –V -Verify Cheque Book HCHBM /  Used to Acknowledge, Inquire, Destroy etc. of Cheques. Maintenance CHBM  To Destroy: Function- D-Destroy → A/c ID -Enter the A/c No. → Begin CQ No.Enter start CQ No. for destruction → No. of leaves – No. of leaves left → Go → Submit → OK. Supervisor to verify – Menu – HCHBM/CHBM Enquiry of Cheque HCHBI  Function – Inquiry → A/c ID → Click on Go → View Details by clicking in expand Book icon → See the individual cheque status Stop payment of a cheque referred to when the cheque is lost or damaged. This is a precautionary step to stop cheque being realized by the person not entitled to it.  SB (POSB) Cheque - Stop Payment Marking Stop HSPP /  Function – Stop Pay → A/c ID → Begin Chq. No. →No. of Leaves (Note: You can Payment of Cheque CHSTOP mark a stop payment of more than one cheque but all cheques should be in series) → Go →Payee Name – Optional → Cheque Amount – Optional →(Note – Payee Name and Cheque Amt need not be given in case of stop payment of cheque series) →Reason Code – select from searcher → Submit.  Note: See implication of posting a debit transaction using stopped cheque.  Supervisor to verify Menu-HSPPAU/CHSTOP → V–Verify → A/c ID → Submit Verification of Stop HSPPAU/  Supervisor to verify → Function – Verify → A/c ID → Click on Submit Payment CHSTOP  Note: See implication of posting a debit transaction using stopped cheque -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 89 of 134

Revoking Stop Payment of Cheque Verification of Revoking Stop Payment Stop Payment Letter Generation Stop Payment Report

HSPP / CHSTOP HSPPAU

 Function – Revoke Stop Pay → A/c ID → Begin Chq. No. → Click on Submit.  Supervisor to verify (Menu-HSPPAU), Function – Verify → A/c ID → Submit  Supervisor to verify → Function – Verify → A/c ID →Click on Submit

HPR

 Show the stop payment letter generated by the system

HSPRG / CHSTPR

 Report To – Give the name or designation of the person to whom report is to be given →From Date → To Date →Status – Stop Pay or Revoke Stop Pay – select appropriately →Click on Submit

 Settlement of Balance Differ cases and correction of Date of open/issue (a) Correction of Date of open/issue 1. A/cs or Certificates migrated from Sanchay Post / Manual Data Entry Module Correction of Date of open/issue from Post Office to Circle level is not possible. It may require taking up the matter with DTE through Circle Office. 2. A/cs opened or Certificates issued in Finacle. Finacle normally takes current date (BOD date) as date of open / issue unless otherwise Value date is changed. Change of Value date is required in case of account opened through cheque. In cheque clearing, give value date perfectly. Once A/c open is verified there is no chance of Correction of Date of open/issue. (b) Settlement of Balance Differ cases (Keep an error note as soon as it is detected & freeze the account( Schemes Balance more in Finacle Balance less in Finacle No correction. May be a misappropriation. No way to correct. May be a misappropriation. Verify Freeze the A/c. Inform the depositor to the credit / debit particulars which are applicable and MIS / attend post office for verification if find the correctness. Inform the depositor if required. SCSS / required. Take approval at least from Take approval at least from Divisional Head who will TD / KVP Divisional Head to close the A/c and issue UCP memo to open a new A/c for the rest / NSC recovered excess amount. amount. Interest for unutilized period will not be paid by Govt. Make reversal (withdrawal) of excess May be a misappropriation. Verify the credit / debit amount with suitable remarks in particulars which are applicable and find the appropriate column. Show the withdrawal correctness. Take approval at least from Divisional NSS / SB amount as UCR to tally the account of the Head who will issue UCP memo and credit the amount day. to the A/c with suitable remarks in appropriate column. Attach the copy of UCP memo with LOT. No correction. May be a misappropriation. May be a misappropriation. Verify the credit / debit Freeze the A/c. Inform the depositor to particulars which are applicable and find the attend post office for verification if correctness. Take approval at least from Divisional required. Accept deposit from depositor Head who will issue UCP memo and credit the amount RD but do not enter in Finacle (deposit can also to the A/c with suitable remarks in appropriate column. be taken as UCR). Show the amount in LOT Attach the copy of UCP memo with LOT. & SB Cash with suitable remarks and also enter remarks on the Pass Book.  Standing Instructions Maintenance (a) Command / Menu: Standing Instructions Work Item / Purpose

1 2 3 4 5 6

Standing Instructions Maintenance Simple Standing Instruction Maintenance Complex Standing Instruction Maintenance Standing Instruction Inquiry Standing Instruction Print SI Executed Today’s Report SI Execution Report

Operator Menu

HSSIM HSIM HSSII HSIRP HSIETR HSIREPTS → HPR

Supervisor Verify (V) / Transaction (T) Menu Menu Type HSSIM V HSIM V HSSII T HSIRP T HSIETR T HSIREPTS → HPR T

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Explanations:  In Finacle, Standing Instruction (SI) is entered in SB accounts for credit into RD Account.  While entering SI in Finacle, frequency and date of execution have to be entered positively.  MIS/SCSS and TD interest Auto Credit into SB account is not termed as Standing Instructions (SI) in Finacle CBS but termed as Customer Instruction. For this, in MIS/SCSS/TD account, SB account is to be entered as interest repayment account. Once this is done and verified by Supervisor, Interest will start credited into SB A/c on due date.   Standing Instructions Maintenance Standing HSSIM /  Function – Add → Go → CIF ID – click outside → SI Frequency – Monthly →Date Instructions HSIM Select 15 → Holiday – P –Previous Day → Execution Time (option should be selected th (SI) as B-After change of Date. Otherwise, SI execution will happen after EOD of 15 ) → st Maintenance Next Execution Date – Specify next execution date (1 execution date) → Click on (Basically for Instruction Details Tab → CCY – INR → A/c ID – (Debit) – Click on Debit radio Button RD) →Amount Type – Fixed → Amount – Give SI Amount → Click on Add → CCY – INR → A/c ID – (Credit) – Click on Credit radio Button → Amount Type – Fixed → Amount – SI Amount → Click on Submit for Verification. Note SI Serial No. (May also be noted on Pass Book). Supervisor to verify – Menu – HSSIM/HSIM; Function – V-Verify by giving SI Serial No.  At times, it requires to close the RD or the SB before due date. At that time it is required to Delete the SI. Else the system will not allow closure. To delete SI, its Serial No. is required. How to know HSSII  Function – I-Inquire → SI Serial No. (Click on searcher to find RD A/c No.) → A/c ID SI Serial No. (Type / Select RD A/c ID) → Submit → System will display SI Serial No. SI Execution HSIETR  Today’s Report. Report HSIREPTS  Following reports can be generated. Inputs/ Criteria are self-explanatory. → HPR Standing Instructions Execution Status Report; Standing Instructions Execution Status List - Letter to Customer; Auto suspended SI Report; Letter to Customer – Auto suspension of Standing Instruction; Letter to Customer - Installment Failure of Standing Instruction. HFINRPT  For day to day report, this option may be preferred. → HPR  Sukanya Samriddhi Accounts (SSA) (b) Command / Menu: Sukanya Samriddhi Accounts (SSA) Work Item / Purpose Operator Menu Sukanya Samriddhi Accounts (SSA) 1 SSA New A/c Opening CPPFAO 2 SSA New A/c Modify before Verification CPPFAOM 3 New SSA A/c Modify after Verification CPPFAM 4 Funding – Deposit in SSA CTM 5 New A/c Opening List view / print HACSP → HPR

Supervisor Verify (V) / Transaction (T) Menu Menu Type CPPFAV V CPPFAOM V CPPFAM V CTM V HACSP → HPR T Some Important Tips (SB Order No.02/2015; DTE F.No. 116-57/2014-SB Dtd. 21. 01. 2015; its Addendum dt.26.02.2015 & Clarification dt.25.03.2015): 1. The natural or legal guardian can open SSA A/c in the name of girl child born on or after 02.12.2003. Only nd one SSA A/c can be opened in the name of one girl child. Maximum two (three if 2 birth is twin) SSA A/cs can be opened/ operated by a natural or legal guardian. (For this obtain – (1) Declaration from depositor (2) 2. Account can be opened up to age of 10 years from the date of birth of girl child. For initial operation of scheme, one year grace has been given. Hence the Girl child who is born on or after 02.12.2003 can open account subject to condition that she has not more than 11 years on the date of opening of account. This relaxation of one year is up to 02.12.2015 only. 3. Submission of Birth Certificate of girl child is compulsory. KYC documents of Guardian are to be obtained as per SB Order No. 14/2012 (Master Circular-1) dtd.09.10.2012. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 91 of 134

4.

In case proper Birth Certificate of girl child is not available, a certificate of date of birth from school given by Headmaster or a certificate from Head of the village showing date of birth of the child or a certificate from the hospital where the girl child was born can also be taken (SB Order No. 02/2015-Addendum). 5. Nomination is not allowed (as all are minor accounts). 6. If minimum Rs.1000/- is not deposited in a year, the a/c will be discontinued and can be revived with a penalty of Rs.50/- per year along with minimum deposit for that year. 7. Deposit in an A/c may be made till completion of 14 years from date of open. th 8. Amount deposited by 10 of a month will only be eligible for calculation of interest for the month (SB Order No. 02/2015-Addendum). 9. SSA A/c will earn interest compounded yearly up to completion of 14 years from date of open. 10. Account can be closed after 21years from the date of open. 11. If the marriage of Account holder (girl child) takes place before maturity, the operation of the A/c shall not be permitted beyond the date of marriage. 12. Partial withdrawal, maximum up to 50% of the balance standing at the end of preceding financial year can be taken when Account holder (girl child) attends age of 18years. 13. Premature closure is allowed on the following circumstances. (c) On death of Account holder (girl child). The balance amount with interest will be paid to the guardian. (d) In case of extreme compassionate grounds such as medical support in life-threatening diseases, death etc. (e) On the event of marriage of Account holder (girl child) on attending age of 18years or more. 14. Sukanya Samriddhi Account has been specified under clause (viii) of Sub Section (2) of Section 80(C) of Income Tax Act 1961 and deposits under these accounts enjoy benefit of this lncome Tax Section up to the overall maximum limit of Rs.One Lakh Fifty Thousand (1,50,000). (SB Order No. 05/2015 dt.08.06.2015) Opening of Sukanya Samriddhi Accounts (SSA) in Finacle: 1. It requires creation of two CIF – One for the Minor Girl Child & the other is for guardian. st 2. 1 create CIF of guardian (if guardian has no CIF). If exists note it. 3. Then create CIF of the Minor Girl Child giving CIF of guardian when prompted for (guardian CIF is required whenever minor CIF/Account is opened). 4. SSA is to be opened in the name of the Minor Girl Child giving her CIF (do not open the account in the CIF or name of guardian). st nd rd th 5. 1 open the A/c (CPPFAO), 2 – Verify A/c open (CPPFAV), 3 – Take deposit in CTM. 4 –Verify deposit.  Sukanya Samriddhi Accounts (SSA)– Brief Menu Operations Open SSA A/c CPPFAO  Function – Open →CIF ID →Click on Go → Mode of Operation - Select from Searcher → A/c Documents Recd – Yes / No →No. of Documents Recd (If Yes) → Nomination Details If Any →Document Details If Any → Click on Submit for Verification. Note A/c ID. (In Scheme Code field, SSA has to

be entered if PPF is appeared or the field is blank. This is mandatory and to be done very carefully). Supervisor to Verify – Menu – CPPFAV. Modify SSA A/c before PPFAMBV verification Verify SSA A/c Opening CPPFAV Funding (Deposit) of CTM SSA A/c (Also Ref. CTM under Common) SSA New A/c Opening List view / print

HACSP → HPR Or HFTI can be used as under. HFTI

N.B.:

 Function – M-Modify →A/c ID →Click on Go →Amend details  Click on Submit  Function – V-Verify →A/c ID →Click on Go → Click on Submit  Function – Add →Transaction Type / Sub-Type – Cash / Transfer →Type – N – Normal Contribution → Go → A/c No. Credit – SSA A/c ID →A/c No. Debit – SB A/c or Office A/c if Transfer selected →Amount →Submit. Note Tran ID.  Supervisor to Verify – Menu – CTM; Function – V – Verify  HACSP → Go → SOL ID → Scheme Code (as SSA) → Give Open Date Low (From date) → Give Open Date High (To date) →Submit → (A screen appears) → Print → (A screen appears with message) “Job initiated. Check print queue after sometime”.  HPR → Go → HPR screen appears → Select the Box against Report Name “Reports of Accounts Selected” → Click on Print Screen → Click on Print. N.B.: HACSP can be used for every scheme changing scheme code in criteria.  SOL ID → Start & End date → Entry User ID → GL Sub-Head-30042 → GO. From File menu View /Print

The daily LOT of SSA is to be prepared manually till provision is made in Finacle for the same.

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 TDA -Term Deposit Accounts: (TD/ MIS / SCSS) (a) Command / Menu: : (TD/ MIS / SCSS) Work Item / Purpose

1 2 3 4 5 6 7 8 9 10

TDA -Term Deposit Accounts (TD / MIS) Term Deposit (TD / MIS) New A/c Opening Term Deposit (TD/MIS) New A/c Modify Before Verification TD/MIS New A/c Modify after Verification Funding (TD/MIS) by cash, if not done at open Funding(TD/MIS) by transfer, if not done at open Term Deposit (TD/MIS) Interest payment Closure of Term Deposit (TD / MIS) A/c

Operator Menu

Supervisor Verify (V) / Transaction (T) Menu Menu Type MISAO/ CMISAOP/ MISAVF / CMISAOPV V TDACTOP / TDACTOPV MISAMBV/ CMISAOPV V CMISAOPM CMISAM /MISAMAV CMISAM V TRCDP/CTM / HCTM TRCDP/CTM / HCTM V TRTFR / CXFER TRTFR / CXFER V HTM HTM V HCAACTD / HCAACVTD / V TDACTCL TDACTCLV TDINQ TDINQ T HTDTRAN HTDTRAN T HIOT / TIPM HIOT / TIPM T

Inquire Details of Term Deposit (TD / MIS / SCSS) Term Deposit (TD/MI /SCSS) Transactions Details View Term Deposit (TD/MIS/SCSS) Interest Details of Sanchasy Post (Upto migration) Time Deposit Special / Extra 1 TD A/c Extension / Renewal / Re-deposit TDRED / HTDREN HTDREN V 2 Closure of Term Deposit (Time Deposit) upon Death of Customer 2a Modification of CIF to enter death information CMRC / CIFMD CMRC / CIFMD V 2b Closure of Term Deposit (Time Deposit) HCAACTD / HCAACVTD / V TDACTCL TDACTCLV MIS Special / Extra 1 MIS A/C Individual Holding Status CLIMIT CLIMIT T 2 Closure of MIS Upon Death of First of the Joint A/c Holder where amount is more than the prescribed MIS limit 2a Modification of CIF to enter death information CMRC CMRC V 2b Closure (Withdrawal of Excess Amount from HCAACTD HCAACVTD / V MIS Limit) of MIS Deposit TDACTCLV 2c Merger of CIF HCCA HCCA V 2d MIS account modification to single a/c CMISAM CMISAM V TDA -Term Deposit Accounts (SCSS A/C) 1 SCSS New A/c Opening CSCAOP / SCSSAO CSCAOPV / SCSSAV V 2 SCSS New A/c Modify Before Verification CSCAOPM CSCAOPV V /SCSSMBV 3 SCSS New A/c Modify after Verification CSCAM / CSSMAV CSCAM V 4 SCSS A/c Extension / Renewal for next 03years HTDREN HTDREN V 5 Closure of SCSS A/c on maturity HCAACTD HCAACVTD V 6 Death Closure within Lock-in Period 6a Transfer to exceptional scheme HACXFRSC HACXFRSC V 6b Modification of Interest Rate HINTTM HINTTM V 6c Closure of SCSS a/c HCAACTD HCAACVTD V 7 SCSS Transfer in from Bank / Non-CBS PO SCSSAO HCAACVTD V Some Tips on TDA (MIS/SCSS/TD): 1. MIS/SCSS/TD interest is not paid for the opening date, but paid for the closure date. 2. 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 or to the customer’s repayment Savings A/c (if given). 3. Interest of TDA (MIS/SCSS/TD) flows and comes in the name of the USER who runs HSCOLD. 4. Interest of TDA (MIS/SCSS/TD) which is credited to Sundry A/c earns no interest & is to be paid from Sundry A/c.

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5. For smooth & correctness of payment, advice the customers to take payment of interest & closure amount on the next day of due date. 6. If due date of closure falls on Sunday/Holiday, close the A/c on the next working day, but if the A/c is closed on the preceding day of Sunday/Holiday, then it will be treated as PMC. 7. Conditional PMC. Lock in period of MIS & SCSS is 01(one) year and of TD is 06months. These A/cs cannot be closed before lock in period in normal situation. (TD lock in period of 06months is re-introduced vide SB Order No.9/2015 dated 03.09.2015 which was removed vide SB Order No.05/2014 dated 20.05.2014). 8. TD A/cs not closed on due date; will be renewed automatically for the same period as it was originally. 9. PMC is not applicable to auto renewed TD A/cs. 10. Discount at the prescribed rate is levied for PMC of MIS & SCSS after 01(one) year of lock in period. 11. When a SB A/c is specified as repayment A/c; SCSS closure interest (especially when closure date is not a quarter ending) comes in the Deposit side of SB LOT & in the name of person who runs HSCOLD. To adjust it, take print out of SCSS Auto list.  TDA -Term Deposit Accounts: (TD/ MIS) – Brief Menu Operations Open Term Deposit CMISAOP /  Function – O-Open → CIF ID → Product Group – TD or MIS → Scheme Code – A/c (TDA) - TD/ MIS MISAO select from searcher → Go → Mode of Operation – select from searcher → Deposit Amount – Amount of TD or MIS → Agent/Employee Code- select Radio button- None/Agent/Employee (select None if not through Agent) → Agent ID (Leave blank if not through Agent) → Nomination – Yes/No – If Yes Fill Nomination details → Renewal Option – Principal Only → Transaction details -Transaction Required – Yes/No → Transaction Creation during - A/c Opening or A/c Verification (If A/c Verification is selected, then after verification by Supervisor, it will ask to do funding. But in our case funding during A/c Verification is not activated) → Transaction type – Cash/Transfer → Debit A/c No. (Give if trans. Type is Transfer) → Document details - A/c Documents Received – Yes/No → No. of Documents Received →Doc Details – give all document details →  Interest credit A/c & Repayment A/c - Leave blank for Cash, SB A/c for SI.  In case of ECS Option: o ECS – Yes → Flow Code – IO → Amt Type – P – PCNT → Pcnt – 100% → 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  Click on Flow Details Tab → Submit. Note A/c ID & Tran ID  Supervisor to verify – Menu– CMISAOPV / MISAVF; Function – V-Verify Modify TD/MIS a/c CMISAOPM  Function – M- Modify → A/c ID → Go → Amend details → Click on Submit. before verification / MISAMBV  Supervisor to verify – Menu – CMISAOPV / MISAVF; Function – V-Verify Funding TD/MIS A/c TRCDP/CTM  TRCDP/CTM for Cash & TRTFR / CXFER to transfer. after Opening or TRTFR /  Supervisor to verify Funding in same menu option CXFER Modify existing TD/ CMISAM /  Function – Modify → A/c ID → Go → Amend details → Click on Submit. MIS A/c MISAMAV  Supervisor To Verify – Menu - CMISAM /MISAMAV; Function – V-Verify Verify TD/MIS A/c CMISAOPV  Function – Verify → A/c ID → Click on Go → Click on Submit Opening / MISAVF Enquiry of Unpaid HIOT  Sold ID → Click on OAP Button → A/c ID – Interest Sundry A/c No. of TD / MIS TD / MIS Interest / SCSS → Give Start Amount & End Amount as Interest Amount → Filter – lying in Sundry A/cs Select Partially or Unresponded → Ref No. – TD / MIS / SCSS A/c No. →Click on Go → Next Screen – Unpaid Interest amounts if any are reflected st Payment of TD / MIS HTM 1 use HTDTRAN to know where Interest Outflow has occurred. If to SB A/c / SCSS Interest by withdraw from SB; If to Sundry A/c do as under. Cash from Sundry  Function: Add →Transaction Type / Sub Type – C/NP – Cash/Normal Payment A/c → Go → Next screen comes → Debit A/c ID – enter Sundry A/c No. of TD /

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At times HTDTRAN does not show interest out flow. Then use HFTI to know interest out flow. If not, verify from Sundry A/c using HACLINQ & giving interest flow date, Sundry A/c No. & TD / MIS / SCSS A/c as Ref. No. Scheme Sundry A/c MIS SOLID+0337; TD SOLID+0335; SCSS SOLID+0338)

Close Term Deposit (TD/ MIS) A/c

HCAACTD / TDACTCL

Verify closure of TD/ HCAACVTD MIS A/c / TDACTCLV

MIS / SCSS Interest (0335/0337/0338) as the case may be → Amount - Enter amount of TD/ MIS / SCSS interest to be paid →Ref No. – enter TD / MIS / SCSS A/c No. as the case may be → Restore Values: A–Additional Part Tran Details → Go → Next screen comes – Transaction Maintenance Minor Subsidiary details → Start Amt. & End Amt. – Delete both → Ref No. – enter TD / MIS / SCSS A/c No. → Go → Next screen comes → Click (Tick) on Check Box of required row which contains unpaid TD/ MIS / SCSS interest of the A/c → Accept →(backs to previous screen) → Post/Submit. Note Tran ID.  Due to some reasons, Interest Amount flows to Sundry, shows nil interest. To overcome it, adopt the following process.  Same as above with following modified entries. st  In 1 screen – Amount should be 0 (zero), if not accepted by system, then nd system populated amount → In the 2 screen in the start and end amount field, entered no amount in additional part transaction details screen, & do not select anything from the Filter except Select → ……  Supervisor to verify - Menu – HTM; Function – V – Verify Trial Closure: Function – L – Trial Close → A/c ID → Go →Click on Closure Details Tab → Close Mode – Select Cash / Transfer →Click on Closure Exceptions Tab →Closure Reason - Select from the Searcher → Submit  Print Report in HPR and file. Payment is to be made as per the report. Final Closure: Function Z – Close → A/c ID → Go →Click on Closure Details Tab → Close Mode – Select any one appropriate option (for details see standard options under Account Closure) → Click on Closure Exceptions Tab → Closure Reason - Select from Searcher → Submit → OK. Note Tran ID  Supervisor To Verify – Menu - HCAACVTD / TDACTCLV; Function – V-Verify N.B.: Bonus if any for MIS accounts, will not be shown in the closure details screen, but will appear in the report generated in HPR during trial closure.  Function – V-Verify → A/c ID → Go →Click on Closure Details Tab  Click on Closure Exceptions Tab → Submit – Note Tran ID

 TD - Special – Brief Menu Operations Closure of Term CMRC /  Function – M – Modify → CIF ID → Go →Customer Status – Deceased → Deposit (TD) upon CIFMD Date of Death – Give DoD of customer → Submit. Death of Customer  Supervisor to verify – Menu– CMRC / CIFMD ; Function – V-Verify HCAACTD  Function Z – Close → A/c ID →Closure Value Date – Previous completed year of TD tenure → Go → Click on Closure Details Tab → Collect Penal Flag – No → Close Mode – Select any one appropriate option → Click on Closure Exception Tab → Closure Reason – DTCLM → Submit. Note the Tran ID (Closure Value Date – 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 death is 3 years. The closure value date is 5-3-2013. Also same for normal Pre-mature closure).  Supervisor to verify – Menu– HCAACVTD / TDACTCLV ; Function – V-Verify HCAACVTD /  Function – V-Verify → A/c ID → Go → Click on Closure Details Tab TDACTCLV  Click on Closure Exception Tab → Click on Submit. Note the Tran ID PMC of TD HCAACTD Same as above - Closure of TD upon Death of Customer – HCAACTD. TD PMC Verification HCAACVTD Same as above - Closure of TD upon Death of Customer – HCAACVTD. TD A/c Renewal / TDRED / Gets automatically renewed. If any one missed, then use the menu. Re-deposit HTDREN Function: R-Renewal →A/c Id →Go → Effective open date (Maturity date) → Renewal option (P-Principal only) → Renewal scheme code (select from searcher) → Renewal period (default is 12months, change it) → Calculate overdue int. (No) →Print renewal confirmation (Immediately / Later) → Submit. Result screen shows – Account renewed successfully. Supervisor to verify – Menu– HTDREN. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 95 of 134

 MIS - Special – Brief Menu Operations Inquiry on holding CLIMIT  CIF ID or A/c ID amount of an MIS  Click on Submit A/c holder Closure of MIS / CMRC  Function – M – Modify → CIF ID of First Holder → Click on Go → Customer Reduction of Status – Click on Deceased → Date of Death – Enter DOD of customer→ Click Principal Upon on Submit to Verify. Death of First of the  Supervisor to verify – Menu – CMRC / CIFMD ; Function – V-Verify Joint A/c Holder HCAACTD  Function Z – Close → A/c ID → Closure Value Date – Date of Death (see where amount is value date table) →Withdrawn Amount – Excess Amount from MIS Limit→ more than the Click on Go → Click on Closure Details Tab → Collect Penal Fee – No → Close prescribed MIS limit Mode – Select any one appropriate option → Click on Closure Exception Tab → Closure Reason - DTCLM→ Submit. Note Tran ID.  Supervisor to verify – Menu– HCAACVTD / TDACTCLV; Function – V-Verify HCAACVTD /  Function – V-Verify → A/c ID → Go → Click on Closure Details Tab TDACTCLV  Click on Closure Exception Tab → Submit - Note the Tran ID HCCA  Function – M-Modify → Account no. – MIS A/c ID → Go→ New CIF ID – Give new CIF ID of the survivor → Change name – Yes →Reason Code → Submit for verification. Supervisor to verify – Menu – HCCA ; Function – V-Verify CMISAM  Function – M-Modify → A/c ID – MIS A/c ID → Go → Mode of Operation – Self → Submit. Supervisor to verify - Menu – CMISAM; Function – V-Verify st

th

th

SCSS Note: Interest of SCSS shall be payable from the date of deposit to 31 March / 30 June / 30 September / st st 31 December on 1 April/ July/October/January (SB Order No.5/2014).  SCSS A/c – Brief Menu Operations Entire processes are same as in Term Deposit (TD/MIS) A/c. Only one amendment; Select Scheme Code at the time of Opening the SCSS A/c. Note Menus are different from TD A/c. SCSS New A/c CSCAOP  Entire processes are same as in Term Deposit (TD/MIS) A/c. Only one Opening amendment; Select Scheme Code at the time of Opening the SCSS A/c. Scheme Code – click on searcher – click on Submit on next screen and select one of the following : SCSCM – Sr. Citizen Savings Scheme - 60 years or above SCDEF - SCSS – Retired from Defence – Age above 18 years SCVRS - SCSS – Voluntary Retirement – Completion of 55 years For Joint A/c, in Related Party-2 select Relationship as “Spouse” but not “Wife” or “Husband”.  Supervisor to verify - Menu – CSCAOPV; Function – V-Verify SCSS New A/c CSCAOPM  Function – M- Modify → A/c ID → Go → Amend details → Click on Submit Modify Before  Supervisor to verify – Menu – CSCAOPV; Function – V-Verify Verification SCSS New A/c CSCAOPV  Function – Verify → A/c ID → Click on Go → Click on Submit Verification SCSS New A/c CSCAM  Function – Modify → A/c ID → Click on Go → Amend details → Submit. Modify after  Supervisor To Verify – Menu - CSCAM; Function – V-Verify Verification SCSS Extension / HTDREN Operation with problem solution is given below

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 Function: R-Renewal →Acct. ID (Give A/c No.) →Go → Effective open date (Maturity date) → Renewal option (P-Principal only) →Calculate overdue int. (No) →Print renewal confirmation (Immediately / Later) → Submit. Result screen shows – Account renewed successfully. Supervisor to verify – Menu– HTDREN. Due to 1 day excess interest credit in some SCSS Accounts, an IAR (Interest Audit Register) entry has been made, so that Finacle may not allow renewal displaying error “W0205 - Acct balance [ 99990.00] after lien [ 0] not sufficient for Renewal Amt [ 100000.00]". Because the balance amount after lien is not be in multiple of 1000/-. To overcome do the following: 12. Invoke renewal and see the amount of IAR entry. 13. Ask depositor to pay this amount as it was excess paid interest. 14. Amount collected should be credited into UCR and receipt be given to customer. 15. Renewal application should be retained. 16. A letter/mail is to be sent to SBCO mentioning the ACG-67 number and amount collected for removing IAR entry. 17. Incharge SBCO will Go to HIARM menu and remove the entry. Steps are as under. Invoke HIARM →Function- M-Modify → A/c./Bill/Disbursement - select A-A/Cs → A/c./Bill/Disbursement ID – Give SCSS A/c ID →SOL ID → Go → Tick the check box where remarks is “DAILY_FACTOR_INT_CORRECTION” → Submit – Result page appears → Accept. Now entry has been deleted. 18. Once entry is removed, intimation should be sent to concerned post office which will renew the account as usual. SCSS Closure HCAACTD  Same as TD closure. Death Closure HACXFRSC  Function – T – Transfer → Go →A/c ID → Target Scheme Code – Give within Lock-in Exceptional Scheme Code for SCSS → Select Target GL Subhead Code → Period Submit. Note Instruction No.  Supervisor to verify – Menu - HACXFRSC; Function – V-Verify. HPR – Report HINTTM Only Supervisor can close the a/c which is to be verified by Postmaster  Function – M – Modify →A/c ID – SCSS A/c ID → Go →Interest Table Code – Delete present value and select SBRATE from the searcher →From Date – Date of death → Submit. Supervisor to Verify – Menu – HINTTM. HCAACTD  Function Z – Close →A/c ID → Go → Closure Value Date – Will be automatically given by the system as the date of death →Withdrawn Amount – Excess Amount → Click on Closure Details Tab →Collect Penal Flag – No → Close Mode – Transfer →Repayment A/c ID – SB A/c or Post Master Cheque →Click on Closure Exception Tab →Closure Reason – DTCLM → Submit. Note Tran ID. Supervisor to Verify – Menu – HCAACVTD. In case of  In Sanchay Post interest of first day is paid in advance. In finacle there will be interest premature closure adjustment after migration. Customer will get one day interest less. So to avoid reduction of or normal closure interest in FINACLE in the immediate quarter HIARM interest adjustment entries are done. of SCSS – where Lien  During Pre-mature closure of SCSS account, system will pay 1 day interest in excess in has been put for the finacle; to collect, user has to manually lift the lien and collect the 1 day interest given in extra interest HIARM menu and close the account. This is applicable only in case of premature closure of (IAR removal SCSS account and for migrated accounts only. For normal closure system will adjust. procedure is given  Office Acct ending with 0323 will be used to credit the same. There is no automatic under SCSS adjustment as it is a Lien. The user needs to do a CXFER to collect the same. extension)  Process in case of premature closure of an account for any date between migration date and the 1st quarter of interest application by Finacle:a. Post office to refer to the file provided by SDC for interest adjustment for the account to be closed. (File will be shared as part of migration by Infosys to SDC). b. Invoke CTM (for cash)/ CXFER (for transfer to SB A/c) to collect the amount of adjustment (noted down in point a) and credit office account specially created for this adjustment. c. Invoke HCAACTD to close the SCSS account. Renewal 03years

for

next

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SCSS Transfer in from Non-CBS PO (Stopped vide SB Order No.7/2015)

SCSS Transfer out to Non-CBS PO Manual & Finacle procedure (Stopped vide SB Order No.7/2015)

Manual & Finacle procedure CDEDUP → CCRC → SCSSAO → HCAACVTD

Manual procedure 1. Customer will submit request for transfer where the a/c stands. 2. Concerned office will process the SCSS transfer and send the transfer form, passbook, statement (if any) along with the fund (cheque , Draft, fund transferred etc.) to destination CBS branch. Finacle procedure 3. Obtain AOF & KYC documents. 4. Check for CIF (CDEDUP) & if found open A/c. If no create CIF (CCRC). 5. Open the SCSS a/c (SCSSAO) → Function – A-Add → CIF ID →GO →Account opening (Transfer In) →Deposit period (remaining period of the deposit) → Deposit amount (principal amount) →Passbook issue date (date on which the passbook will be issued) →Transfer from (HO/SO code or select the id from the searcher) → Fill other fields required for A/c opening →Submit for verification. Supervisor to Verify – Menu – HCAACVTD; Function – V – Verify Manual procedure 1 & 2. Finacle procedure 3 to 10. 1. Customer will submit request for transfer where the a/c stands along with required KYC. 2. Concerned office will verify the documents & process the transfer. 3. Supervisory to invoke HINTTM → Give SCSS account number and attach zero interest table code from 01-April-FY till date of transfer. 4. Postmaster or another Supervisor to verify HINTTM, (Menu HINTTM; V-Verify) screen to ensure no interest is applied to the SCSS account on account closure process. 5. Supervisor to invoke HCAACTD (Account Closure menu) and close the SCSS account. 6. Postmaster or another Supervisor to verify closure, (Menu HCAACVTD; V-Verify). 7. PA to invoke HACSP menu (Account details) →Give SCSS account number → print the account details for the customer & hand over him a copy. 8. PA to invoke HPSP menu →Give SCSS A/c No. and print the statement of account. 9. Now the transfer form, passbook, KYC documents, statement if any (account details, statement of account along with the fund (cheque, draft) to Non CBS branch. 10. Now the SCSS transfer is complete.

N.B.: 1. SCSS Transfer in/out between CBS & Non-CBS PO is a provision available in Finacle. But Post Office should act as per POSB Rules & Orders. 2. Now it is noticed that monthly / quarterly interest of MIS & SCSS is not differing depending upon number of days in a month / quarter. But information about it is yet to be received.

 TDS (a) Command / Menu: TDS Work Item / Purpose

1 2 3

TDS Refund of TDS Take TDS before Closure of NSS Tax Report Options

Operator Menu HRFTDS HCACC HTDSIP

Supervisor Verify (V) / Transaction (T) Menu Menu Type ---HCACC V HTDSIP T

Mostly TDS is deducted from SCSS & NSS A/cs. It depends upon the following criteria. Sl. Items TDS Remarks 1 Not given anything 20% For no TDS, the depositor has to give an undertaking he has not availed any exemption 2 PAN Not given 20% and his income is not taxable along with 15G 3 PAN given but 15G or 15H not given 10% or 15H & copy of PAN. In this case CIF has to 4 PAN,15G or 15H given but income is taxable 10% 5 Exemption from Income has already been 10-20% be modified indicating No Tax. But in case of NSS’87 there will be TDS. availed on NSS deposit. Withdrawal for 2500 or more & closure is taxable. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 98 of 134

1.

Tax at source is deductible (TDS) on some interest paid or payable above Rs.10, 000/-. The brief of Tax free & Taxable Income related to POSB is as under. Free / relaxation from Income Tax Taxable 19. PPF & SSA deposits & Interest 1. SCSS interest is liable for TDS. 20. 5Years TD deposit (Under 80C) 2. NSS-87 Principal, Interest is liable for TDS. 21. 20% of face value of NSC. 3. Agent commission is liable for TDS. Taxable But no TDS 1. Savings A/c Interest above Rs.3500/- for Single & Rs.7000/- for Joint A/cs. 2. RD, MIS, TD, KVP & NSC interest

2.

Form-15G/15H can be submitted at any time during the financial year provided tax liability on the basis of estimated income is NIL. 3. Form 15G can be submitted by:1) A person who is a resident in India and below the Age of 60 Years or By Hindu undivided families. 4. But Form 15G cannot be filed by any person whose income from interest on securities/interest other than “interest on securities” exceeds the applicable basic exemption limit. 5. Form 15H can be submitted by:- A person who is a resident in India and above the Age of 60 Years (by senior citizens with Age above 60 years). - Hindu undivided families but only by Individual above the age of 60 years. Refund of TDS 1. Refund of TDS has to be made before submission of tax returns by respective HOs. No TDS refund should be made after remitting TDS to IT Department. Customers can get it from IT department after filing returns. 2. Ensure that copy of PAN and properly filled in Form 15G/15H has been received. 3. Modify CIF to change Monthly Income & status of Tax as “No Tax”. Modify A/c & update “Tax Form”. 4. Write an error in the Error Book showing detail of account number and amount of TDS wrongly deducted. 5. The authority maintaining TDS (e.g. Postmaster of HPOs) has to issue sanction of refund of TDS. 6. Thereafter the TDS can only be refunded. 7. On returning the TDS, show this amount as TDS Refund in the daily account or cash book.  TDS – Brief Menu Operations 15G/15H updation

 Invoke Menu for Modification of existing A/c →Select Tax Form (In case of SB, select 15G / 15H) – select from searcher – 15G or 15H →Submit.  TDS should not be refunded without permission of Postmaster.

Refund of wrongly deducted HRFTDS TDS in SCSS / NSS  Write an error in Error Book giving details of A/c and amount of TDS wrongly deducted. Competent authority has to issue sanction of refund of TDS.  Menu – HRFTDS → Report to – Postmaster → enter the SCSS / NSS A/c ID in the field” From A/c ID & To A/c ID” → trantype as Transfer. Cash option should not be used in transtype. → Click Go → TDS amount deducted will be shown. → enter the customer's SB a/c as “Refund A/c ID” field to Transfer the amount OR enter office account 0340 to pay by Cheque. Show this amount as TDS Refund in the daily account or cash book. Note Trans ID.

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 Transaction: its ID, Cancellation & Verification and Use of HTV Transactions are of two types - Financial or Non-financial. Almost all transaction screens contain a button called “Validate”. On completion of data entry of a transaction, click on Validate to ensure there is no error in data entry. If there will be any error, message will be displayed. Click it; it will take the cursor to the field which contains error. Financial transaction involves accounting. In Finacle, there is some defined terms are used to specify the Financial transaction & accounting as under.

Financial transaction

Mode of Transaction By Cash By Cheque / transfer Non-cash (Adjustment) By Cash By Cheque Non-cash (Adjustment)

Transaction Type/Subtype

Remarks

T/CI-Customer Induced OR C/NR-Cash Deposit / Cash Normal Receipt T/CI-Customer Induced OR T/CI-Transfer Customer Induced OR T/CI-Customer Transfer T/BI-Bank Induced OR T/BI-Transfer Bank Induced C/NP-Cash/Normal Payment T/CI-Customer Induced

Used for deposit / Withdrawal / closure by cash Used for deposit / Withdrawal / closure by cheque or transfer to/form SB or Office A/c

C/CT- Cash/Cash Transfer

Used for deposit / Withdrawal / closure of BO Transactions at Account Office HTM menu. Used for TDA Interest payment HTM menu. Used for TDA Interest payment through transfer to SB from Office A/c HTM menu. Vault operation

A. Creation of Transaction: Supervisor/Postmaster is authorized to initiate a few special transactions (indicated under “Works that can be initiated by Supervisor / Sys. Admin./ Postmaster”). He must not initiate any other transaction ((Financial or Nonfinancial). Else it may create problem and may require reporting to higher hierarchy/authorities for solution. A/c opening by Supervisor/Postmaster: To be verified by Supervisor/Postmaster of another SOL. Funding by Supervisor/Postmaster: To be verified by another Supervisor of same SOL. It cannot be verified by Supervisor/Postmaster of another SOL. For TDA category, verification cannot be done by PA also. It is to be reported to higher hierarchy/authorities for solution. A/c closure by Supervisor/Postmaster: To be reported to higher hierarchy/authorities for solution. If it is verified by Supervisor/Postmaster of another SOL, then it appears in the LOT of the SOL who verified it. It may create problem in tallying in the afternoon. Be careful for it. As and when any transaction (Financial or Non-financial) is performed, before it committed (saved) to database, it passes through different stages and different types of IDs are generated. Finacle operation is based on maker (user who starts the transaction) and checker (user who verifies the transaction). Example of IDs: On CIF creation – CIF No.; New A/c opening – New A/c No.; Deposit / Withdrawal / Inventory – Transaction ID; Cheque clearing – Set ID / No. (I) Each transaction has three stages and each stage has two aspects. Stage Aspect / legs Remarks Initiation of transaction Entry mode – Posted mode IDs are generated. Funding – Amount Debit – Credit One A/c debit & other A/c credit to make the balance 0(zero) Completion of Authorises acceptance of Verification is done basing on IDs transaction transaction – data committed generated. (Verification) to database (II) Some IDs are generated only once and constant till the A/c is alive such as CIF No., A/c No., Regd. No. (III) The other IDs generated are related to the transaction and called Transaction ID. One transaction ID is generated for each transaction. In Cheque clearing, Set ID / No are generated. (IV) It is very much important that the above said IDs are to be noted in the instrument / document in the prescribed space (In AOF & KYC Form there is prescribed space to note CIF No., A/c No., Regd. No.). If there is no prescribed space, the required IDs may be noted on the top of the instrument / document (e.g. Trans. ID in Deposit / Withdrawal form) to enable the Supervisor to verify. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 100 of 134

B. Cancellation of Transaction: (To be done by PA / Supervisor before verification) If there is anything to cancel, then “Do not use HTV until cancellation is completed”. Otherwise no one can help. First identify the stage / status of the transaction & act accordingly as under. On completion of transaction by Counter PA or as an EOD batch jobs, it will be in Entered Stage, Posted Stage (partly committed) or posted (committed) to database.  Posted: Certain transactions get verified automatically. e.g. instant counter limit, all types of SI / auto transfers, TDA interest out flow. These transactions cannot be cancelled.  Posted Stage: This transaction cannot be cancelled. Supervisor has no option but to verify. (I) Normally this happens in RD/MIS/TD/SCSS/PPF/SSA Deposit. (II) At times due to some problem during EOD (HSOLCOP, HSCOLD & DC closure), some EOD batch job transactions remains in Posted Stage. These are to be verified by Supervisor (other than who performed the EOD or in whose name the transaction is created) after clearing Entered Stage transactions.  Entered Stage: This transaction can be cancelled. Normally this happens in Certificates (KVP/NSC) Issue. At times due to some problem transactions remain in Entered Stage. Note the Trans. ID & Delete the Trans. ID using HTM. C. Cancellation of New A/c or CC - In Entered Stage: I. With Funding: Note the Trans. ID & A/c No. Delete the Trans. ID using HTM. Then Cancel A/c creation. For SB/PPF/SSA use normal verification menu (new a/c verification) – Function: X-Cancel. For TDA category (RD/MIS/TD/SCSS/CCs) use normal verification menu (new a/c verification) – Function: X-Cancel. If error comes, use menu HOAACVTD – Function: X-Cancel → CIF ID → Regd. No. or Temporary A/c ID. RD may not get deleted. II. Without Funding: No Trans. ID. Delete A/c creation as given above. D. Cancellation of Fake New A/cs: Same as above. Use menu HOAACVTD for CCs if Regn. No. is wanting. What is a fake A/c? Mostly during the slowness of Finacle, new a/c creation screen does not close on clicking on Submit. If the user clicks on Submit again or closes the screen, some more a/cs get created automatically. st The 1 one is the real account and others are fake (unwanted / duplicate) accounts. E.

Cancellation of Closure: Use Closure verification menu (menu to verify closure of a/c) – Function: X-Cancel. Visit all the Tabs. Reverse the amount manually, if required.

F. Verification of Transaction: (II) Verification of New CIF / Account opening / Certificate issue must be done using respective verify commands / menus for new items (Menu: CIF=CCRC; KVP/NSC= CSCOAACV; PPF= CPPFAV; RD= CRDOAACV; SB= CASBAV; SSA=CPPFAV; TD/MIS= CMISAOPV; SCSS= CSCAOPV). (III) Verification of modified existing items must be done using respective verify commands / menus for Verification of Old (existing) A/c (e.g.: Menu: CIF=CMRC; KVP/NSC= CSCOAACV; PPF= CPPFAV; RD= CRDOAACV; SB= CASBAV; SSA=CPPFAV; TD/MIS= CMISAOPV; SCSS= CSCAOPV). (IV) Verification of Funding (Deposit / Withdrawal) & Closure must be done using respective verify commands / menus for Funding & Closure. (V) Do not verify the above (IV) to (VII) using HTV Command (See Critical Verification). (VI) Normally Finacle generates following three types of Transaction ID. ID type Remarks 1 Alpha-numeric To be verified by Supervisor. At times requires verification by two Supervisors. starting with IN 2 Alpha-numeric Gets generated by System itself. Transaction IDs of Auto transfer, Transactions starting with S generated during System unresponsive, Trans. ID of Inter SOL transactions etc. (called system starts with S. System generated IDs require verification by Postmaster. Normally generated IDs) the Menu – HTM / HTV is used to post/verify System generated IDs. System generated Trans. ID of Inter SOL transactions are generated at the SOL to which the A/c belongs. This does not require verification. It gets adjusted on reconciliation of Inter SOL transactions at CEPT, Chennai. 3 Numeric To be verified by Supervisor. At times requires verification by two Supervisors. (VII) All these are to be verified by the Supervisor immediately. The command / menu for verification have already been discussed under respective schemes / items of work. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 101 of 134

(VIII) Critical Verification-1 – Normal Situation – Finacle working Normal: Use of HTV Verify the A/cs and transactions as indicated above in (IV) to (VI). On completion, only RD & some system generated transactions will remain. Now HTV may be used for bulk verification. (IX)

Critical Verification-2 – Normal Situation – Not authorized to verify part trans 2 nd Required to be verified by 2 Supervisor.

(X) Critical Verification-3 – Normal Situation – Finacle working Normal: Problem in interest flow / DSA modification / closure etc. – Use HAFI to identify the A/cs and verify.

Unverified accounts can be listed by using the HAFI menu. SOLID: Default SOLID; Ref. No.: Enter one or two spaces; Table Short Name: GAM **General Ledger Subhead Code: (Type as per scheme); Authorize: Select the radio button 'Not Authorized'; Function Code: M(for Modify) or A (for new accounts), Blank for All **General Ledger Subhead Code (GL Heads ): SB=30001; PPF=33001; NSS87=30021; NSS92=30022; MIS= 30016; th TD=30011; SCSS= 30020; SSA=30042; RD=30010; KVP=32027; NSC 5yr 8 Issue= 32001; NSC 10yr

9th Issue= 32003. *Keep General ledger sub head blank to list all unverified accounts. Accounts thus identified have to be verified to ensure interest flow / DSA modification / closure etc. (XI) Critical Verification-4– Situation partially Normal or abnormal – Finacle stops at times: Do not use HTV During this situation, fake/unwanted A/cs get opened due to more than one click on Submit.. Verify the A/cs and transactions as indicated above in (IV) to (VI). On completion, identify the fake/unwanted A/cs. These will be in entered state. Delete them using HTM. If HTV is used to verify, the fake/unwanted A/cs will remain in POSTED stage and will not be get deleted in HTM. There will be no other alternative, but to verify and account for them and later on exceptional / irregular closure to be done. (Emergency verification menu for fake/unwanted A/cs= HOAACVTD: Closure=HCAACVTD). (XII) Critical Verification-5–Auto credits TDA Interest are in Posted stage. On execution of HSCOLD, due interest of MIS/TD/SCSS A/cs get auto credited either to Repayment A/c or to Office Sundry A/c and gets verified by system. But at times due to reasons unknown, the said interest amounts remains in Entered stage creating EOD Blocking validations. These are to be verified & posted by the Supervisor or higher class user other than who performed EOD using Menu option HTV. HTV is also used to verify system generated Inter SOL ID. (XIV) HTV menu: Trans Type/Sub-type: Select → Part Trans. Status: Both →Part Trans. Type: Both → Processing mode: Manual-Default selected → (left other fields blank) → Go → in next screen click Submit.  URLs – Some Important Ones Item 1 India Post web site 2 Finacle Data Server (Fincore) 3 Finacle MIS Server 4 Agent Portal 5 India Post email web site 6 Sanchay Post, Finacle, Data Migration, Negative list Info. 7 To know network bandwidth utilization (eHealth) 8 Network fault booking

URL / Web site address

http://indiapost.gov.in https://dpdcpfjc.fsi.indiapost.gov.in:1443/finbranch/ui/SSOLogin.jsp https://dpdcpflmis.fsi.indiapost.gov.in:1443/finbranch/ui/SSOLogin.jsp

http://dopagent.indiapost.gov.in http://webmail.indiapost.gov.in http://tamilnadupost.nic.in/sdc/index.htm http://reports.indiapost.gov.in https://Sevicedesk.indiapost.gov.in:8080

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 Users in Finacle (a) Following Work Class/Group/Role exist in CBS Finacle. Work class/group/role Role ID Who works 1 Administration Admin Administrative Officers 2 Auditor / Inspector AU Inspecting Authorities 3 Postmaster PM Postmaster of HPO 4 Supervisor SU SB Counter Supervisor 5 Counter Assistant CPA SB Counter Assistant 7 System Administrator SA System Administrator 8 SBCO PA SPA SBCO PA 9 SBCO Supervisor SSR SBCO Supervisor 10 CPC Maker CPM CPC PA 11 CPC Checker CPC CPC Checker/Supervisor 12 CPC In charge CPI CPC In charge / SPoC N.B.: Normally Administrative Officers, Auditor – Inspector (Inspecting Authorities) & SBCO staff comes under one work class of Admin/Auditor/SBCO. (b) One or more person is working in each User Class/Group/Role. Each user (person working) need to know his (1) Employee ID (Normally GPF No. or PRAN No. and PAN in special case – where PRAN not issued & service is less than one year), (2) Finacle Employee ID – derived from Employee ID, (3) Role ID (Work class), (4) User ID (assign to each person for login) and (5) remember password & must not disclose it. (c) Each user (person working) is attached to a SOL. Whenever / wherever the user (person) logs in, Finacle automatically takes him to his own SOL (SOL to which he is attached) and the SOL ID is auto-populated. (d) Employee Role Limit (Cash) for SB Counter Assistant is INR.5000/- (means he can make transactions in Savings A/cs up to INR.5000/- without approval of Supervisor, i.e. Instant Counter Limit). (e) Employee Role Limit (Cash) for other users is nil / zero (0). (f) Only SB Counter Assistant has Teller A/c ID and can perform financial transactions. Other users cannot perform financial transactions. (Exception: In a few cases Finacle accepts transactions by Supervisor, but creates problem in verification and do not come in LOT). (g) Postmaster/SPM of MDG & S.Os comes under Supervisor group. (h) SOL/Role change is not permitted if the user is in possession of inventory (cheque or certificate) with him. (i) New User Creation: To be submitted by concerned Divisions to concerned CBS CPC in the prescribed template for onward submission to CBS CEPT, Chennai through designated URL. (j) SOL/Role change: To be submitted by concerned Divisions to concerned CBS CPC preferably in the following proforma for onward submission to CBS CEPT, Chennai through designated URL.

Proforma for SOL / ROLE Change (Please prefer to send one consolidated list for a day) Name of the Division: Date: If Inventory Exists in the name of the User, his SOL/Role cannot be changed until it is cleared. Name of the Employee

Finacle EMP ID

Finacle User ID

From SOL ID & SOL Name

Current Role

To SOL ID & SOL Name

Require Role (SU, CPA, SU+CPA, PM,SA )

Effective Date

Inventory Exists in his name (Y /N)

Inventory Authorisat ion required (Y/N)

EMP1 N.B.: New User Creation & SOL/Role change should preferably be sent to concerned CBS CPC at least one day earlier and by 1200hrs.

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 103 of 134

 Vault Transaction (k) Command / Menu: Vault Transaction Work Item / Purpose

1 2 3 4 5 6 7 8

Vault Transaction Transfer of Cash A/c Ledger Inquiry A/c Balance Inquiry Office A/c Ledger Inquiry Cash Reports (Counter-wise) Shroff / Teller Cash Report Teller Cash Position Inquiry Teller-wise Cash Position Inquiry

Operator Menu HTM HACLI HACCBAL HACLINQ HFINRPT HSCWRPT HTCPIAE HTCPIAC

Supervisor Verify (V) / Transaction (T) Menu Menu Type HTM V HACLI T HACCBAL T HACLINQ T HFINRPT T HSCWRPT T HTCPIAE T HTCPIAC T

 Vault Transaction – Brief Menu Operations Cash Advance From HTM  Function Code – Add → Transaction Type / Subtype: C/CT →Record – 1 screen will Treasurer appear→ Dr A/c – PA Cash A/c (Teller a/c) → Dr Amount – Amount of cash advance → Click on Add → Record – 2 screen will appear → Cr A/c – Vault A/c → (Debit Teller A/c Cr Amount (Or click on Contra Amount Button) → Post to Verify. Note Tran ID. Credit Vault A/c)  Supervisor to Verify – Menu – HTM ; Function Code – Verify Cash Submit To HTM  Function Code – Add → Transaction Type / Subtype: C/CT → Record – 1 screen Treasurer will appear → Dr A/c – Vault A/c → Dr Amount – Amount of cash submitted → (Debit Vault A/c Click on Add → Record – 2 screen will appear → Cr A/c – PA Cash A/c → Cr Credit Teller A/c) Amount (Or click on Contra Amount Button) → Post to Verify. Note Tran ID.  Supervisor to Verify – Menu – HTM ; Function Code – Verify Besides above, physical cash receipt & payment with Treasurer has to be performed.

Note: Transaction in HTM during HSCOD results failure of HSCOLD. Do not perform any transaction during execution of HSCOD.  Works that can be initiated by Supervisor / System Administrator / Postmaster Works that can be initiated by Supervisor, needs to be verified by another Supervisor or Postmaster. Works to be initiated by Supervisor 11 SCSS - Death claim closure 1 Cheque – Inward & Outward zone open & close 12 SCSS - Pre-mature closure 2 CC – KVP/NSC Reprint 13 SCSS - Transfer out to Non-CBS PO 3 Common – Change of name in A/c 14 SCSS - Zeroing of interest for Transfer out 4 EOD – End of day process 15 MIS - Pre-mature closure within 01 year 5 Inventory – Receipt & Supply to Counter & SO Works to be initiated by Postmaster 6 PPF - Transfer-in from Bank processing 1 CC – Duplicate certificate printing 7 PPF - Transfer-out to Bank or a non-CBS PO 2 PPF - Zeroing of PPF interest for transfer out 8 PPF - Pre-mature & Death claim closure Works to be initiated by System Admin. 9 RD - Premature Closure within 3 years 1 Uploading of Salary & Pension 10 SCSS – Change interest to SB Rate on Death claim 2 Reset user login (CSAC-already logged in; closure. CRESET-locked & disabled)

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 104 of 134

 Reports (Inquire - View / Print) - List of Finacle Reports (a) Command / Menu: Reports - Inquire -View / Print) (Menu are same for Operator & Supervisor) Work Item / Purpose Menu Work Item / Purpose Day to day Transaction Report Customer Inquiries and Reports 1 Invoke Report options HFINRPT 1 Account Selection/Search customer 2 How to print or view reports HPR 2 Account selection and Print Office Accounts And Reports 3 Components of account balance 1 Inquire on transaction HIOT/TIPM 4 Account balance inquiry 2 Inquiry on GL transaction HIOGLT 5 Account Ledger inquiry 3 Office Account Ledger Inquiry HACLINQ 6 A/c below minimum balance 4 Office A/c. Ledgers Print HACLPOA 7 Account ledger print Interest Inquiries And Reports 8 Account of customer 1 Account Interest Inquiry HAITINQ 9 Customer Search 2 Customer Interest Inquiry HCUIR 10 Inquire Customer General Details 3 Account Interest report HAINTRPT 11 Signature Verification 4 Interest Details Inquiry HINTTI 12 View Signature and Photograph List 5 Inquiry on Interest HLINTI Other Inquiry And Reports 6 1 2 3 4 1 2 3 4 5 6 7 1 2 3 1 2 3 4 5 1 2 3 4 5 6 7 8

Interest Adjustment Charges Inquiry And Reports Customer wise charges Inquiry Inquire Fee details Closed Charges For Silent A/c General Fees Clearing Inquiries And Reports Print inward clearing statement Inward clearing validation report Clearing rejection report Inward Remittance Details Report Outward Remittance Report Outward Clearing CQ Inquiry Transfer File to PC Loan A/c Inquiry And Reports Loan accounts of customer report Loan General Details Ledger Inquiry Cheque Books And Reports Cheques book issue inquiry Inventory Split and Inquiry Inventory Inquiry All Inquire on Inventory Movement Inquiring on the inventory Transactions Inquiry and Reports Financial Transaction Inquiry Financial Transaction Report Teller cash position Inquiry Teller cash position Inquiry-Cash Outward cheques Inquiry Balance Inquiry A/c. Shadow Balance Inquiry Transactions Report

HIARM HCCI IFD CCCSA HGCHRG HPICSL HMICZ HREJREP HINWREMI HOUTREMI HOIQ HTRFTOPC HCULA HLNGI HLACLI HCHBI HISAI HIIA HIMI HISI HFTI HFTR HTCPIAE HTCPIAC HOCI HABI HACSBIO CNSTRP

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 1 2 3 4 5 6 7 8 9 10

Balancing report Quick balancing report Print report Inter sol transaction report Inter sol audit report Exceptions Report Report Generation General Report Day Book printing Generate Stop Payment Register Shroff / Teller Cash Report Accounts Transfer Report Monthly/Yearly Statistical report Scheme Balances Nomination Statistical Reports Memo pad Maintenance Deposits inquiry And Reports Account details General details Renewed account inquiry Pending installment List (RD) Customer accounts maturities Term Deposit of the customer Deposit Transactions Summary Term Deposit Renewal History Tax Report Options Customer Wise TDS Report

Menu HACS HACSP HACCBAL HACCBALI HACLI HABMR HACLPCA HCUACC HCRV HCUDET HACI VSPH HBR HQBR HPR HISTR HISAR HEXCPR HFINRPT HGR1 HPDB HSPRG HSCWRPT CATREP HMR CSCB CNSR HMEMOPAD HACDET HGDET HRELACIHPLIST HCUMAT HCUTD HDTRS HRENHIST HTDSIP HTDSREP

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 105 of 134

1 2 3 4 5 6 7

Work Item / Purpose Accounts transfer Report Cheques Report Generation Minor to Major Report Dormant A/c revived Report Silent account Report Freeze and Unfreeze Report Welcome Kit Account Report

Savings Account Inquiry And Reports Menu Work Item / Purpose CATREP 8 Report of SB WDLs above Rs.10000 CCHQREP 9 A/c. Balance Details CMITMA 10 Old Accounts Details Look Up CRVACC 11 Inquire on General Details of A/c CSIREP 12 Account freeze/Unfreeze CAFUREP 13 Inquire on standing instructions CWAREP 14 Standing Instructions Reports

Menu CWDREP HACDET CNAC HACCDET HAFSM HSSII HSIREPTS

 View / Print day to day Transactions Reports Invoke Report HFINRPT  At present there are 32 reports. Click on desired one to generate the options report. After a few minutes invoke HPR to see / print the report. How to print HPR  Click on Go → Click on Go → Select report by checking the box → Click or view reports on Print in case report is to printing → Click on Print Screen for viewing the document → Click on Print in case report is to printing All the required reports like LOT, Auto transfer, SI, Inter SOL transactions has to be taken daily. One of the important one is “Report of Postmaster’s Cheque A/c”. Supervisor has to ensure that the balance in this a/c is 0(zero) before Day End (It means all the drawn cheques are given to the depositor(s)). If not, see & note how many cheques are yet to be received from HO. HFINRPT & HPR can generate report for current date when executed in Production Server - Fincore. Besides above reports, there is another MIS Server (URL given below) from which a number of reports including day to day counter reports from DAY-2 onwards can be generated using HFINRPT & HPR.

MIS Server URL: https://dpdcpflmis.fsi.indiapost.gov.in:1443/finbranch/ui/SSOLogin.jsp The following List of Reports can be generated in Finacle – Production & MIS Server : HFINRPT -> HPR (A) List of Report for Today in Finacle: HFINRPT -> HPR from Production Server. 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15.

16. 17. 18. 19. 20. 21. 22. 23.

Report Type / Name APY Auto Credit Report APY Report Administrative Office Report for Social Security Schemes Agents_Agent - RD Old-New Account Mapping Report Agents_Agent Commission Consolidated Report Agents_Agent Commission Report Agents_Agent Commission Transaction Details Report Agents_Agent List wise Consolidation Report Auto-renewal Batch Job Report for PMSBY and PMJJBY CIF RISK CATEGORY STATUS REPORT CIF_Document Status Report CIF_KYC Status Report CUUTR Monthly Report for Social Security Schemes Channel Consolidated Journal Report Channel Counterwise Report

Type of Report generates

New A/c No. for old A/c No. Agent wise Scheme code wise consolidated agent commission & TDS Agent wise commission & TDS Agent wise commission in details E-reference wise RD agent commission

Lists CIF/AOF/CR to be sent to CPC Lists CIF-KYC submitted / rejected / accepted at CPC. Consolidation of ATM & e-banking transactions. SOL wise ATM & e-banking transactions

Report Type / Name

Type of Report generates

Common_Counter Wise Transactions Report - Discontinued Scheme Common_Counter Wise Transactions Report - Inter Branch Common_Counter Wise Transactions Report - MIS (Today) Common_Counter Wise Transactions Report - PPF (Today) Common_Counter Wise Transactions Report - RD (Today) Common_Counter Wise Transactions Report - SCSS (Today) Common_Counter Wise Transactions Report - Savings (Today) Common_Counter Wise Transactions Report - TD (Today)

Teller wise LOT of discontinued schemes (Max. 5days) Teller wise LOT of Inter SOL transactions Teller wise MIS LOT Teller wise PPF LOT Teller wise RD LOT Teller wise SCSS LOT Teller wise Savings A/cs LOT Teller wise TD LOT

Report for current & previous day as per selection can be generated for Sl. No.24 to 34 24. 25.

Common_SB Automatic Transfer List Report Common_Standing Instructions - SB to RD Accounts Report

Lists MIS/SCSS auto transfer to SB Lists SB to RD installment transfer

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 106 of 134

26. 27. 28. 29. 30. 31. 32.

34. 35. 36. 37. 38.

Common_User Login Report Common_User Profile and Login Access Report Consolidated MIS Account Journal of Deposits and Withdrawals Consolidated PPF Account Journal of Deposits and Withdrawals Consolidated RD Account Journal of Deposits and Withdrawals Consolidated Report On Certificates Discharged (KVP/NSC) Consolidated SCSS Account Journal of Deposits and Withdrawals-SCSS Consolidated Savings Account Journal of Deposits and WithdrawalsSavings Consolidated TD Account Journal of Deposits and Withdrawals Counterwise Report for ECS DFS Report for APY,PMJJBY and PMSBY ECS_ECS Remmitance Report EOD Blocking Validation Report

39.

HTTUM - Transfer Transaction Upload List Report

40.

KVP/NSC_Daily Discharge Certificates Report

41. 42. 43. 44. 45. 46. 47. 48. 49. 50. 51. 52. 53. 54.

KVP/NSC_Daily Issued Certificates Report KVP/NSC_Discharge Journal KYC Status Report Loan_PPF Loan Disbursed NSC accounts where NC4A is Issued NSC_Issue Journal NSS_List of Transactions Office Accounts Transaction Report PPF_Acc Transfer From DoP To Bank Post Office Clearing Detail Report Post Office Report for Social Security Schemes Post Office TDS of SCSS/NSS87 Detail Report Savings_Welcome kit Accounts Letter Statistical Report for Social Security Schemes

33.

Lists User login / logout information Lists User Profile and Access Report Lists consolidated figure of MIS Lists consolidated figure of PPF Lists consolidated figure of RD Lists consolidated Discharged figure of KVP/NSC Lists consolidated figure of SCSS Lists consolidated figure of SB Lists consolidated figure of TD SOL wise Daily ECS list LOT of withdrawals in ECS Lists consolidated unverified transactions Lists Salary / Pension / NREGS successful upload report (Requires Trans. ID) Teller wise & all denomination of KVP/NSC Discharge list Teller wise & all denomination of KVP/NSC Issue list Lists all KVP/NSC Discharged Teller wise PPF Loan Disbursed LOT Lists NC4A A/cs (Issued / Pending) Lists all KVP/NSC issued LOT of NSS A/cs LOT for Office Accounts (Max. 05days) Lists PPF A/c transferred from PO To Bank Inward/Outward Cheque clearing report Lists TDS recovery in SCSS/NSS87 A/cs SB A/c opening welcome letter

Note: Consolidation includes Counter transactions + Auto-transfer + Inter SOL transfer + HTTUM transfer/upload + MPKBY list figure depending upon the scheme.

(B)

List of Reports for Day-2 onwards in Finacle – MIS Server: HFINRPT -> HPR (URL: https://dpdcpflmis.fsi.indiapost.gov.in:1443/finbranch/ui/SSOLogin.jsp) Report Type / Name 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15.

Prod.SRV Type of Report generates RPT No.

APY Auto Credit Report APY Report Administrative Office Report for Social Security Schemes Auto-renewal Batch Job Report for PMSBY and PMJJBY CUUTR Monthly Report for Social Security Schemes Common_Account Statistics Report Common_Account Statistics Transfer In/Out

Extra Extra

Common_Bill Payment Transaction Common_Counter Wise Transactions Report - MIS (Previous Day) Common_Counter Wise Transactions Report - PPF (Previous Day) Common_Counter Wise Transactions Report - RD (Previous Day) Common_Counter Wise Transactions Report - SCSS (PreviousDay) Common_Counter Wise Transactions Report-Savings (PreviousDay) Common_Counter Wise Transactions Report - TD (Previous Day) Common_Net Accretion Report

Extra 18 19 20 21 22 23 Extra

16. Common_No Of Live Accounts

1 2 3 9 13

Extra

Lists statistics of all schemes for a range of date Lists Transfer In/Out for a given range of date for scheme code/type wise Teller wise MIS LOT Teller wise PPF LOT Teller wise RD LOT Teller wise SCSS LOT Teller wise Savings A/cs LOT Teller wise TD LOT Lists Net Accretion Report for a given range of date for scheme code/type wise Lists live A/c for a given range of date ( 31 days) for scheme code/type wise

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 107 of 134

17. Common_No Of Transactions

Extra

18. Common_Nominee Amendment Audit Report 19. Common_Outstanding Balances Of Small Savings CollectionsAnnexure - IV (I) 20. Common_Outstanding Balances Of Small Savings CollectionsAnnexure - IV (II) 21. Common_Settled/Unsettled Claims Common_Statistical Register of Deposits/Withdrawal 22. Common_Statistical Statement Report 23. DFS Report for APY,PMJJBY and PMSBY 24. GL_Monthly Product Wise Balances Report 25. GL_Monthly Product Wise Interest Balances Report 26. GL_Monthly Report For New Accounts 27. GL_Monthly Report For Silent Accounts 28. GL_Monthly Statistical Report of Nominations 29. GL_Monthly Statistical report of Deposits /Withdrawals 30. GL_Yearly Product Wise Balances Report 31. GL_Yearly Product Wise Interest Balances Report 32. GL_Yearly Statistical Report of Nominations 33. GL_Yearly Statistical report of deposits /Withdrawals 34. KVP/NSC_Duplicate Certificates 35. KVP/NSC_Forfeited Certificates 36. KVP/NSC_Released After Pledged Certificates 37. KVP/NSC_Statistical report for number of certificates Issued 38. KVP/NSC_Statistical report for number of certificates discharged 39. KVP/NSC_Transferred Certificates 40. KVP_Pledged Certificates 41. List of active SB accounts with balance above Rs.10000/42. Overdue Mature TD Accounts 43. PPF_Acc Transfer From Bank To Dop 44. PPF_PPF Download Details 45. Passbook Report 46. Post Office Report for Social Security Schemes 47. RD_Discontinued Accounts 48. RD_Pre Mature Closure Accounts 49. RD_Report For Claim Settled Accounts Under RD-Protected Scheme 50. RD_Report For Extended Accounts 51. RD_Report For Loan Accounts Having Rd-Deposit 52. Report of Silent SB Accounts 53. Savings_Account Freeze Report 54. Savings_Accounts Transfer Report 55. Savings_Cheque Book Request Details Report 56. Savings_Minor to Major Report 57. Savings_Report of Withdrawals Exceeding Limit 58. Savings_Sanction Claim Details Report 59. Savings_Silent Account Closure Details Report 60. Savings_Silent Account Count 61. Savings_Silent Accounts Revived 62. Savings_Welcome kit Accounts Report 63. Statistical Report for Social Security Schemes 64. TD_Closure Reason Code 65. TD_Mode Of Operation (Single/Joint) Report 66. TD_Transation Reported By Auditor

Extra Extra

Lists No. of transactions for a given range of date for scheme code/type wise

Extra Extra Removed Extra 36 Extra Extra Extra Extra Extra Extra Extra Extra Extra Extra Extra Extra Extra 41 40 Extra Extra Extra Extra Extra Extra Extra 51 Extra Extra Extra

Single list of KVP/NSC Issue for all Tellers Single list of KVP/NSC Discharge for all Tellers

Extra Extra Extra Extra Extra Extra Extra Extra Extra Extra Extra Extra 53 54 Extra Extra Extra

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 108 of 134

 ATM Operation – (Ref. Operational Hand Book on ATM version 1.1 for details) (a) Command / Menu: ATM Cash loading in ATM HXFER  Used to transfer cash from Po to ATM.  Function – A-Add → Trans. Type / sub type: T/BI-Bank Induced → Debit A/c (SOLID+0006) → credit 560001000007 (i.e Bangalore GPO Bank Account). Supervisor to Verify. Inquire ledger balance HACLI  To ensure min. balance before issue of ATM Card. ATM Card issue etc. (All SOLs) CCMM  The criteria page and details page of the menu is to be filled by Counter PA. Supervisor to verify. Details are given below. Download files by giving CCDM  CPC Bangalore will download all files by giving parameter as date and in parameter (for Bangalore the field of SOL ID as “all”. The downloaded files will be processed GPO) automatically by CAMS (Card Access Management System) and details of how to check the errors will be explained in the CAMS (Card Access Management System) User Manuals. From Date

12.03.2015 22.06.2015

Min. Balance in PB for issue of ATM Card 5000 500

07.10.2015

50

Min. & Max. withdrawal at a time 100 / 10000 -DO-

Max. withdraw al per day 25000 -DO-

Max. No. of Welcome Kits to be retained in a post office 550 1000

Remarks

Dte L/No.25-3/2014-FS-CBS (Part-1) Dtd.22.06.2015 Dte L/No.25-3/2014-FS-CBS (Part-1) Dtd.07.10.2015

(b)

ATM Card issue criteria Only POSB ATM/Debit cards can be used in Post Office ATMs. Two types of Cards – Instant ATM Cards and Personalized ATM Cards. If customer has an account opened before migration to CBS, a separate prescribed New/Change KYC Form should be obtained from the customer and submitted to the CPC for scanning and uploading. Post Offices concerned will maintain stock and issue registers for personalized cards and Welcome Kits separately in manuscript and take applicant’s signature against delivery in the issue register and make corresponding entries in the stock registers. For the present, ATM/Debit Card will be issued to Post Office Savings Bank (POSB) Savings Account Holders who have balance of Rs.500/- at the time of applying ATM/Debit Card (Earlier it was 5000 up to 21.06.2015). Depositor who wants to have ATM/Debit Card will submit application in the prescribed form at the post office where account stands. PA and Supervisor have to ensure that all fields are properly filled by the depositor. Counter PA has to enter relevant details invoking menu CCMM (Custom Card Maintenance Menu) and the same is verified by Supervisor.

(c) (1) (5) (6) (7) (8)

Service availability Cash Withdrawal, (2) Fast Cash, (3) Balance Inquiry, (4) Mini Statement Funds Transfer (Funds Transfer within OWN Savings Accounts of POSB) Funds Transfer (Funds Transfer to other Savings Accounts of POSB) Pin Change Maximum amount that can be withdrawn from ATMs in a single day will be Rs.25000/- and at a time, Rs,10,000/-.

i. ii. iii. iv.

v.

vi. vii. viii.

(d) ATM Card & PIN Generation: It will be generated by the vendor at DMCC Chennai, & the same will be sent to respective Post Offices by CPC Bangalore for supplying to customer. Post Office to maintain stock. (e) Cash loading: (1) ATM fit currency notes can be handed over to the representative of AGS for loading into ATM. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 109 of 134

(2) During cash loading, one representative of the Post Office should be physically present and ensure that all the cash handed over is loaded into ATM. (3) AGS representative will hand over a slip printed by the machine showing cash in ATM to the representative of the post office who will keep that in a guard file in token of having handed over cash for ATM. (4) On the day of cash loading, Finacle User Champion of that HO will perform Debit/Credit entry in Finacle using HXFER. Debit SOLID0006 and credit 560001000007 i.e Bangalore GPO Bank Account. Transaction type / sub type – T & BI (Bank Induced). (5) Supervisor to verify the transaction – Menu HXFER. (f) Cash Accounting (1) ATM Cash Account is specific to each Post Office with number as SOL ID suffixed by 0006. (2) A remittance advice (RA) of the cash loaded should be sent to Bangalore GPO by Head Post Offices (except Bangalore GPO) as and when cash is handed over to AGS (Vendor) showing as Cash remitted to Bangalore GPO. (3) SB Deposit/Withdrawal in ATM will be derived by Bangalore GPO and will be entered in the Bangalore GPO Cash Book. (g) CCMM Menu operation / functions: (1) Add – This option will be used when Account Holder requests for an ATM/Debit Card. i. Criteria Screen - Select A (Add) & Search (or Type) the CIF Number → Go ii. Details Screen - Give Account Number for which the card is to be issued → Select Primary Account Flag = Yes (The card will have only one primary account) → The choice of card can either be personalized or instant (Personalized cards will bear the Name of the holder & Instant Cards will not bear the name of the holder) →Select Card Type = P for Personalized Cards (if customer requests for a personalized card) or Select Card Type = I for Instant Cards & provide the Instant Card KIT Number (if the customer requests an instant card) →Select “New Card Request” → Submit.

Note: 1.

Personalized Cards: If customer has multiple Saving Accounts & wants to link to same card with all or selective accounts, Post Office should create a request for the Primary Card first. When the customer visits the Post Office for collecting the card , Use CCMM(Modify Option) & place a request for activation. Use CCMM (Modify Option) & link other account to the card. 2. Instant Cards: If customer has multiple Saving Accounts & wants to link to the same card, Post Office should create a request for the Primary Card first. Ask the customer to place a request for linking on the subsequent visit , Use CCMM(Modify Option) & link other account to card. (2) Modify – is used when Account Holder requests for Linking, Delinking, Activation, Replacement and Hotlisting of Cards. Select M (Modify) & Search (or Type) the CIF Number or Card Number or Both CIF Number & Card Number →Go. The details of the cards for the CIF Number or Card Number or combination of Card Number and CIF Number will be displayed. i. Linking – is used when the Account Holder requests for linking additional Saving Accounts with the card. Details Screen – Press A (Add) →Select the Account Number which is required to be linked → Select the “Primary Account Flag” as N → Select Action = LNK (Linking) to link subsequent A/c to the same ATM Card → Submit. ii. Delinking – is used when the Account Holder requests for de-linking Saving Accounts with the card. Details Screen – Select Action = DLN (De Linking) →Submit. iii. Activation – is used when the Account Holder comes to the post office to collect the card and applicable to Personalized Cards only. Instant Cards will be pre-activated but can be used on the next day. Customer should be informed that Card can be used from the next day of issue. Details Screen – Select Action = ACT (Activation) → Submit. iv. Hot Listing – is used when the Account Holder requests for hot listing of the card in event of a. Card is Lost: Details Screen – Select Action = “Hot Listing” → Submit b. Card is Damaged: Details Screen – Select Action = “Hot Listing Damaged” → Submit c. Card is Stolen: Details Screen – Select Action =”Hot Listing Stolen” → Submit d. Replace: Details Screen – Select Action = “Hot Listing and Replacing Card → Submit v. Replacement – is used when the Account Holder requests for replacement of the card Details Screen – Select Action = Replacement → Submit vi. ATM Pin Request – is used when the Account Holder requests for subsequent Pin. Details Screen – Select Action = “ATM Pin Request” → Submit. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 110 of 134

(3) Verify – is used to verify the A (Add) or M (Modify) option. The Hot listing of cards in CMS (Card Management System) will be done during the verification in CBS (Finacle) by Supervisor. Subsequent to Verification, other processing will be done by Bangalore CPC during the End of Day. (4) Cancel – is used to cancel the A (Add) or M (Modify) Operation conducted by the PA before verification in case of any mistake. (5) Inquire – is used to inquire the details in CMS (Card Management System). Either CIF Number or Card Number or Both CIF Number and Card Number can be provided as an input on the criteria page and details will be listed in the “Details Screen”. (6) History – is used to inquire the request in CBS (Finacle). The enquiry will display the date on which the account holder has requested for the maintenance. (7) Every activity initiated by Counter PA has to be verified by the Supervisor. Sample ATM Cards & ATM Pins stock & delivery Register

1 2 3 4 5 6 7 8 9 10

Instant Cards Sl. No. Date of ATM Card & PIN Receipt ATM Card No. PIN reference No. Issued to CIF No. Issued to SB A/c No. Name of SB A/c Holder Date of issue to A/c Holder Signature of receiver (same as SS) Remarks if any

Personalised Cards Sl. No. Date of ATM PIN Receipt ATM Card No. PIN reference No. Issued to CIF No. Issued to SB A/c No. Name of SB A/c Holder Date of issue to A/c Holder Signature of receiver (same as SS) Remarks if any

 Branch Office (BO) Transactions at Account Office for SB, SSA , RD and TD) – (for Menus see respective scheme) Important Tips on Branch Office (BO) Transactions:1. It is always better to have next day accounting system for BO Transactions. 2. Repayment A/c for A/c closure is Office A/c 0340 (PM’s cheque a/c – auto populated). After closure use CXFER to transfer the close amount from 0340 to 0339 (BO settlement a/c). It is effected from 21.01.2016. 3. The procedure for New A/c opening, normal closure of A/c, death claim closure of A/c, A/c transfer at Branch Offices (BO) is almost same as of HO/SO. 4. In menu operation / transaction, to select Branch Office Name → Click on searcher of Branch Office field → BO names with BO code appears (Select the desired BO). The BO names with BO code may be kept handy to avoid using searcher. 5. Value date should be transaction date at Branch Office. 6. For any Deposit in BO A/c always select “Transfer” for - DEBIT Branch Settlement Account (SOLID0339) & Credit concerned SB / RD / SSA/ TD A/c. 7. For any Withdrawal & Closure in BO A/c always select “Transfer” for - Credit Branch Settlement Account (SOLID0339) & Debit concerned SB / RD / SSA/ TD A/c. 8. For TDA category (RD, TD), it is better to select “Transaction Creation During: A/c Verification”. The funding will happen on account verification. The financial risk factor will be less. 9. Like HO / SO each and every transaction needs to be verified by Supervisor. (Even if it is not given in menu operation – “Supervisor to Verify”, the transaction has to be verified by Supervisor). 10. Transaction appears in LOT and consolidation only after verification by Supervisor. 11. Transactions for A/c tagged/mapped/linked to BO in Finacle will not affect Teller A/c. But BO A/cs which are not tagged/mapped/linked to BO in Finacle may affect Teller A/c. Vault transaction to be done accordingly. 12. BO A/cs which are not tagged/mapped/linked to BO in Finacle need to be modified and tagged/mapped/linked to concerned BO.

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 111 of 134

Frequently used Command / Menu for Branch Office (BO) Transactions Work Item / Purpose Operator Supervisor Verify (V) / Menu Transaction (T) Menu CIF Menu Type 1 New CIF creation CCRC CCRC V 2 Existing CIF Modification CMRC CMRC V Savings A/cs 1 New Savings A/c opening CASBAO CASBAV V 2 Existing Savings A/c Modification CASBAM CASBAM V 3 Deposit & Withdrawal in Savings A/c CXFER CXFER V 4 Closure of Savings A/c HCAAC HCAAC V Recurring Deposit (RD) 1 New RD A/c opening CRDOAAC CRDOAACV V 2 Existing RD A/c Modification CRDACM CRDACM V 3 Deposit in RD A/c CRDP CRDP V 4 Closure of RD A/c CRDCAAC CRDCAAC V Time Deposit (TD) 1 New TD A/c opening CMISAOP CMISAOPV V 2 View Interest Flow in TD A/c HTDTRAN HTDTRAN / T / HIOT HIOT 3 Interest Payment in TD A/c HTM HTM V 4 Closure of TD A/c Sukanya Samriddhi Accounts (SSA) 1 New SSA A/c opening CPPFAO CPPFAV V 2 Funding (Deposit) in SSA A/c CXFER CXFER V Pradhan Mantri Yojana 1 Signature Verification IES IES T 2 Data entry & verification CPMY CPMY V

1

2 3

4

 SB A/c – Brief M enu Operations for BO Transactions Opening a new SB A/c Menu: CASBAO / QDESA  Function – O-Open → Give CIF → Scheme Code – Select from searcher → Click on Go →Mode of Operation Select from Searcher → No. of Docs – Give the number of documents taken from the customer and accordingly give the document details. → Doc Code – Select from searcher → Doc Date – Give the date on the document → Submit for Verification. Note the A/c No.  To select Branch Office Name → Click on searcher of Branch Office field → BO names with BO code appears (Select the desired BO). Value date should be transaction date at Branch Office.  Supervisor to verify – Menu – CASBAV / QDESAVF ; Function – Verify Verification of SB a/c opening Menu: CASBAV/QDESAVF  Function – V - Verify → Temporary A/c ID – Give the newly opened a/c No. → Click on Go → Click on Submit. Deposit in SB Account Menu: CXFER By Transfer: Function – Add → Transaction type/sub-type – T/BI-Bank Induced → Go → Dr A/c ID (DEBIT Branch Settlement Account (SOLID0339)) → Cr A/c ID (Customer SB A/c) → Give Amount → Value date – Give BO Transaction date → Enter the BO Name in the “Remarks” field → Mode of Transaction – Transfer Slip → Click on Post. Note Trans ID.  Supervisor to Verify – Menu – CXFER ; Function V– Verify Withdrawal in SB Account Menu: CXFER By Transfer: Function – Add → Transaction Type / Subtype – T/BI-Bank Induced → Go → Dr A/c ID (Customer SB A/c) → Cr A/c ID (Credit Branch Settlement Account (SOLID0339)) → Give Amount → Value date – Give BO Transaction date → Enter the BO Name in the “Remarks” field → Mode of Transaction – select Transfer Slip → Click on Post. Note the Tran ID.  Supervisor to Verify – Menu – CXFER ; Function V– Verify

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 112 of 134

5

1 2 3 4

Closing of SB Account Menu: HCAAC / CLOSE  When SB7A along with Passbook is received from BO, Invoke the menu HACACCR → In “Report To” enter ‘PM’ → select “INR” in CCY field → Enter the BO SB A/c No. in the “From A/c ID” & in “To A/c ID” → Submit.  A message “Batch program successfully lodged “ is displayed  A report “Accrual Interest report” is available in the queue. Go to HPR and select the report → Click on the Print screen for viewing the “Interest accrual report” → The total amount accrued as interest till date is displayed at the end of the report.  Interest amount should be added to the balance (Use HACLI to know balance) in the account and noted On WARRANT OF PAYMENT of SB7A. This should be sent to Branch Office for closure of SB account with direction that this is valid up to ……….. day of the month (specify the date keeping transit in view). Closure Value date is not available for Savings A/c to give BO date. SO date is taken as closure date.  Other procedure for sending sanction to BO should be followed.  On receipt of SB7A from BO after closure, invoke the menu HCAAC for account closure.  Click on searcher of Branch Office field → List of BOs with BO code appears (Select the desired BO). Value date should be transaction date at Branch Office.  Function –Z- Close → A/c ID (Enter BO SB A/c to be closed) →Balance – (Check Transfer Box) →Transaction Type –Transfer →Transfer A/c ID (PM’s Cheque A/c or BO Settlement A/c as the case may be) →Click on Go → (Balance amount is displayed in the A/c Information tab) → Click on Closure Tab → Submit → Total amount with interest is displayed. Note Transaction ID.  BO SB account will be closed and amount adjusted in BRANCH SETTLEMENT ACCOUNT.  Supervisor to verify Menu- HCAAC. After verification, transaction will appear in LOT and consolidation.

 Sukanya Samriddhi Accounts (SSA)– Brief Menu Operations – For BO Transactions Open SSA A/c CPPFAO Same as of HO/SO as well as same as of BO SB new A/c opening. Modify SSA A/c before PPFAMBV /  Function – M-Modify →A/c ID →Click on Go →Amend details verification CPPFAOM  Click on Submit Verify SSA A/c Opening CPPFAV  Function – V-Verify →A/c ID → Go →Click on Submit Funding (Deposit) of SSA CXFER  Same as of HO/SO as well as same as of BO SB funding. A/c  Supervisor to Verify – Menu – CXFER; Function – V – Verify

 RD A/C – Brief Menu Operations for BO Transactions 1 Open RD A/c Menu: CRDOAAC  Function – Open →CIF ID →Scheme Code – RDIPN →Click on Go → Mode of Operation - Select from Searcher → Monthly Installment – Give RD Installment Amount → Transaction Required – Yes → Transaction creation during – Account opening / verification → Transaction type (select Transfer) → Give Debit A/c as - Branch Settlement Account (SOLID0339) → No. of Installments →Documents Recd- Yes →No. of Documents Recd – Give no. of documents → Doc Code – Select from Searcher →Click on Flow ID Tab → Click on Submit for verification. Note RD A/c ID and Tran ID  To select Branch Office Name → Click on searcher of Branch Office field → BO names with BO code appears (Select the desired BO). Value date should be transaction date at Branch Office. 2 Verify RD A/c Opening Menu: CRDOAACV Function – Verify →A/c ID →Click on Go → Click on Submit 3 RD A/c Transaction Posting – Deposit – Monthly Installment Menu: CRDP  Function: Add →Transaction Type – T/BI-Transfer Bank Induced → Go →RD A/c No. – click on outside – Installment Amount will be auto-fetched → Total Amount – Give deposit + Default (If more amount is put it will automatically pick no. of installments) – No. of installments, Rebate & Default fee will be autofetched → Value Date - Enter BO date → Mode of Payment–Transfer → A/c ID – Branch Settlement A/c (SOLID0339) → Transfer Amount – enter same amount as entered in Total Amount → Submit. (If Total Amount & Transfer Amount differs, error comes “Transaction not balanced”) Note Tran ID.  Verification: Menu – CRDP →Function – Post →Tran ID →Go → Submit. 4 Close RD A/c Menu: CRDCAAC  Trial Closure: Function – L – Trial Close →A/c ID →Go → Close Mode – Cash / Transfer →Click on Check Box Close → Close Reason – Select from the searcher → Accept → Submit. View/Print Report by HPR. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 113 of 134

 Enter closing amount in SB7A and after following laid down process of sanction of BO withdrawal/closure. Passbook and SB7A should be sent to BO with the direction that sanction is valid only up to …… day of the month (day of the month on which the A/c is opened). If customer does not attend BO up to that date, a fresh sanction is to be obtained by BO for which fresh Trail closure should be invoked.  Final Closure: Function – Z – Close →A/c ID → BO date in the Value Date column → Go →Click on Check Box Close → Closure details will be displayed → Close Reason – Select from searcher → Accept → repayment mode as “Transfer” → Enter (PM’s Cheque A/c or BO Settlement A/c as the case may be SOLID+0340 or SOLID+0339) → Submit. Note the Tran ID. Supervisor to Verify – Menu CRDCAAC/RDACLM; Function – V – Verify. Note the Tran ID

 RD Loan / Half Withdrawal - Brief Menu Operations – For BO Transactions Sequence of RD Loan / Half Withdrawal sanction & payment for the RD A/c stands at BO 1. On receipt of SB-7, verify SB-7 as well as eligibility criteria (same as of HO/SO) manually and ensure that the A/c is eligible for loan. 2. Check manually that the loan amount applied in correct. Also check the amount in system using HACLI. 3. Verify the signature in the system. 4. Open RD Loan A/c and verify loan A/c opening. 5. Enter sanctioned loan amount in SB-7 after following laid down process of sanction of BO withdrawal. Passbook and SB-7 should be sent to BO with the direction that sanction is valid only up to ------ days. If customer does not attend BO up to that date, a fresh sanction is to be obtained by BO. 6. On receipt of paid SB-7, perform RD Loan disbursement. 1 Open RD Loan A/c Menu: CAOLARD  Select the desired BO. Others are same as HO / SO. 2 Verify RD Loan A/c Opening Menu: CAOVLARD Same as HO / SO 3 RD Loan disbursement Menu: LARDD st  Select the desired BO. Value date should be 1 of the month.  Function – Disbursement →Loan A/c ID → Mode of Disbursement –Transfer → Credit A/c ID – Enter Branch Settlement Account (SOLID0339 →Amount →Change Value Date → Submit for Verification. Supervisor To Verify – Menu– LARDD; Function – V – Verify  Note: Check HACCBAL to show the system lien marked on RD A/c. Balance in RD a/c will not get reduced. 4 RD Loan Repayment Menu: HLAUPAY/HPAYOFF  HLAUPAY is for unscheduled payment (refund). HPAYOFF is for regular & final payment (refund). Same as HO/SO except. Mode of Payment – Transfer → A/c ID – Branch Settlement Account (SOLID0339). 5 RD Loan A/c closure Menu: CAACLA  Same as HO/SO except Mode of Payment – Transfer → A/c ID – Branch Settlement Account (SOLID0339).

 TDA -Term Deposit Accounts: (TD/ MIS) – Brief Menu Operations – For BO Transactions 1 Open Term Deposit A/c (TDA) – TD Menu: CMISAOP / MISAO  Same as HO/SO TD new A/c open & BO RD new A/c open with following exception.  To select Branch Office Name → Click on searcher of Branch Office field → BO names with BO code appears (Select the desired BO). Value date should be transaction date at Branch Office. Transaction type (select Transfer) → Give Debit A/c as - Branch Settlement Account (SOLID0339). Supervisor to verify. 2 Verify Term Deposit (TD) A/c Opening Menu: CMISAOPV / MISAVF  Function –V-Verify → A/c ID → Go → Submit 3 Payment of 1/2/3/5 Years TD Interest by Cash from Sundry Menu: HTDTRAN or HIOT or HTM or HACLINQ On receipt of SB-7 from BO for sanction of interest, PA at Account Office needs to perform the following. Sending Sanction to BO  Invoke HTDTRAN or HIOT or HTM & check interest accrued for the said TD account and note if required. If not, enquire TD Sundry A/c (0335) using HACLINQ.  Enter SOL ID → Select the scheme type as None →Enter TD Sundry A/c No. (SOL ID+0335) → Enter period of TD interest (Start date and end date) →Enter TD account number in the Ref No. field → Submit.  Accrued TD interest is displayed. (The interest accrued can be viewed in the HPR report). -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 114 of 134

 The interest accrued should be written in the Payment Warrant (SB-7) and after signature of Supervisor, send to BO concerned after following the laid down procedure for sending sanction to BO. Entry of paid information on receipt of TD SB-7 after payment from BO.  Counter PA to invoke HTM. Click on Branch Office Code → List of BOs with BO code appears (Select the desired BO). Value date should be transaction date at Branch Office.  Function : A-Add → Transaction type: T/CI-Customer Induced → Go → Next screen comes → Part Transaction Type - Debit → A/c ID - enter TD SUNDRY A/c No.(SOL ID+0335) → Amount - Enter amount of TD interest paid → Ref. No. - Enter BO TD A/c No. → Restore Values: A–Additional Part Tran Details → Click on Go → Next screen comes – Transaction Maintenance Minor Subsidiary details → Start Amt. & End Amt. – Delete both → Ref. No. - Enter BO TD A/c No. → Go → Next screen comes → Click (Tick) on Check Box of the required row which contains unpaid TD interest for the said BO TD account → Accept → (It backs to previous screen) → Click on Add → Part Transaction Type - Click on Credit Radio Button → A/c ID - enter PM’s Cheque A/c or BO Settlement A/c as the case may be – SOLID+0340 or SOLID+0339) →Post/Submit. Interest paid to BO TD account in case of TD 1/2/3/5yrs is completed.  Supervisor To Verify in HTM. 4 Close Term Deposit (TD) A/c Menu: HCAACTD / TDACTCL On receipt of SB-7A from BO for sanction of closure, PA at Account Office (SO/HO) needs to perform the following. A. Identifying unpaid TD interest Sending Sanction to BO 1. Invoke menu HTDTRAN or HIOT & check for unpaid interest for the said TD account and note if required. 2. Enter SOL ID → Select the scheme type as None →Enter TD Sundry A/c No. (SOL ID+0335) → Enter period of TD interest (Start date and end date) →Enter TD account number in the Ref No. field → Submit. 3. Accrued TD interest is displayed. (The interest accrued can be viewed in the HPR report). The interest accrued should be written in the Payment Warrant (SB-7) and after signature of Supervisor, send to BO concerned after following the laid down procedure for sending sanction to BO. B. Trial Closure & Sending Sanction to BO: Same as of HO/SO.  Generate Report in HPR and view / print the report to know the amount.  Total amount (A+B) to be paid along with unpaid interest should be mentioned on the SB-7A on the Warrant of Payment Side with signatures of Supervisor. It should also be mentioned that sanction is valid only up to …… day of the month (day of the month on which the A/c is opened). If customer does not come for closure up to that day, fresh sanction should be obtained. All other provisions mentioned in the rules should be followed. C. Final Closure on receipt of closed voucher from BO:  Menu HCAACTD →Function Z – Close → Enter the BO closed TD A/c ID →BO Date in the Closure Value Date field → Click on SVS to verify the signature → Go - BO TD account details will be displayed. Check the amount of principal → Click on Closure Details Tab → Close Mode – Select the R-Repayment A/c only option for BO Accounts → Enter the PM’s Cheque A/c or BO Settlement A/c as the case may be – SOLID+0340 or SOLD ID+ 0339 in the Repayment A/c ID field → Click on Closure Exceptions Tab → Enter the PM’s Cheque A/c or BO Settlement A/c as the case may be – SOL ID+0340 or SOLID 0339 → Closure Reason - Select from the Searcher as NORMAL → Closure details (principal, interest adjustment and actual Booked Interest) paid as maturity proceeds to the BO TD account to be verified with the voucher → Submit. Note Tran ID. Now BO TD account is closed at Account Office. Supervisor To Verify. 5 Verify closure of Term Deposit (TD) A/c Menu: HCAACVTD / TDACTCLV  Function – V-Verify → A/c ID → Go →Click on Closure Details Tab. Click on Closure Exceptions Tab → Submit – Note Tran ID. Pradhan Mantri Yojana

Same as HO/SO.

==================== xxxx BO Transactions is completed xxxx ====================

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 Interest Flow & PMI 1. Interest Flow: Normally interest calculation batch job runs at the EOD process. Interest calculation is performed in the A/cs in which no verification is pending. In TDA category interest outflow occurs at the EOD process (HSCOLD). In case of SCSS, Interest calculation batch job runs only once on the last day of every month for SCVRS & SCDEF accounts. If any verification is kept pending on the day of interest batch run, then interest will not get posted. It is always better that before running HSCOD, Supervisor should ensure that there is no verification is kept pending (Use HAFI to know pending verification. Also Ref. Critical Verification-3 in the module “Transaction, its ID and Verification”). Normally MIS/TD/SCSS interest flows to specify SB A/c. If no SB A/c is specified, then the interest flows to Sundry A/c (MIS to SOLID+0337; TD to SOLID+0335; SCSS to SOLID+0338). Interest in other schemes flows to the concerned a/c. 2. Post Maturity Interest (PMI): PMI is allowed for the complete month on date to date basis from the date of maturity to date of payment and remaining part of the month is to be ignored. (e.g. One A/c matured on st 27.02.2015 and another A/c matured on 03.03.2015. Both the A/cs closed on 10.04.2015. The 1 A/c will get PMI nd for 28 days – from 27.02.2015 to 27.03.2015 one month and the 2 A/c will get PMI for 31 days - from 03.03.2015 to 03.04.2015 one month). Here month means from date to date and number of days in a month is not uniform. In case maturity value of RD Account is retained after 10 years, Post Maturity Interest shall be payable w.e.f 01.01.2012 (SB Order No.31/2011 & 32/2011 refers). Maximum limit of 2 years fixed for admissibility of Post Maturity Interest has been removed w.e.from 01.01.2012 vide SB Order No.31/2011 & its corrigendum-III and SB Order No. 32/2011. PMI should be calculated at the POSB rate of interest applicable on the date of maturity to date of payment (POSB rate applicable during the Post Maturity period). st 3. Annual Interest: It gets calculated & posted on 1 April in NSS/PPF/SB/SSA. After migrating to Finacle st st normally 1 April is treated as non-banking day and no end user is allowed to log in to Finacle on 1 April till completion of interest calculation & posting. Interest calculation is performed in the A/cs in which no verification is pending.  Submission of Documents / Information to CPC (From 1 April 2015) & its preservation A. Following documents to be preserved at Post Offices. 1. AOF, KYC Form (one copy) and KYC documents plus additional Form for SCSS & PPF A/c in A4 size Ring Binder date-wise (For new / existing customer & which are returned from CPC). (SB Order No.6/2015 dated 09.06.2015 & process circulated in email dated 27.03.2015 & 25.05.2015). 2. Forms for KYC updation, or account transfer, ATM Debit Card, Internet or Mobile Banking, change in nomination etc. 3. SB-10(b) or NC-32 and KYC documents should be preserved in the CBS Post Office (who performed the transfer in) in A4 size Ring Guard File in respect of inter SOL transfer in (SB Order No.7/2015). B. Documents to be sent to CPC on daily basis for scanning, uploading & acceptance. 1. One copy of “KYC Form” of new customer and Depositor’s Change Request (“KYC Form”) complete in all respect with seal & signature of BPM/SPM/APM/DPM as the case may be. The documents must not be folded and should be sent in A4 size cover by Registered Parcel. st

(Authority: Director (CBS), Dept. of Posts email of March 28, 2015 at 1539hrs & Mar 30,2015 at 1455hrs) C.

Following information to be sent to CPC as and when required.

1. User creation, Role or SOL change (in prescribed template at least two days in advance). 2. Finacle Operational problem / error for solution or onward submission (solution if not done locally or referring FAQ Dated 04.10.2014), the issue along with latest screenshot should be sent immediately and last one by 1630hours of the day. 3. While sending data migration error, verify Sanchay Post from which live data migrated and CBS Key generated during live data migration. If data exist in these two items, then problem may be reported to CPC, else matter may be taken up with DTE through Division / Region / Circle Office. 4. Unlocking / Resetting the User(s) if SOL System Administrator fails to unlock / reset. 5. Allotment of ID & Password to new Agent (after creating in Finacle by SOL) & unlocking Agent password (by CEPT/FSI) along with information on Authority No., DSA ID, First & Last Name, reason of lock. D.

Feeding at SOSB, SBCO & Return to SBCO in CBS Finacle environment: There is no need of data feeding at SOSB or SBCO for the Post Offices which are migrating to CBS Finacle. Return to SBCO needs to be given daily as usual preparing Consolidated Journal.

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How to get/find it, if forget to note or when in problem 1. 2. 3. 4. 5.

New A/c No. from Old A/c No. CNAC – SOL ID + scheme + Old A/c No. A/cs linked to MPKBY agent. HDSAMM Commission paid to agents. HFINRPT → HPR → Report 2 to 5 as per requirement. TDS deducted from Agents. HFINRPT → HPR → Report 2 & 3 as per requirement. New A/c No. (any scheme) not noted HAFI →SOLID: Default SOLID → Ref. No.: Enter one or two spaces→ Table Short Name: GAM → General Ledger Subhead Code: as under → Authorize: Select the radio button 'Not Authorized→ Function Code: A (ADD i.e new Accounts opened): M (modified accounts) : Z (Closed A/cs) Following are the GL Heads: SB - 30001,PPF- 33001, NSS87 -30021, NSS92 -30022, SSA- 30042, MIS- 30016, NSC 10 year32003, NSC 5 year- 32001, RD- 30010, KVP- 32027, TD -30011. 6. New Regd. No. (KVP/NSC) not noted. A/c No. or Trans. ID should be known. A/c No. not known: Go to HFTI, give Trans. ID and get A/c No. / Invoke HAFI and get A/c No. Invoke CSCOAACM (New KVP/NSC modify before verify), → A/c No →GO. Details will be displayed. Note Regd. No. OR Invoke CSCOAACV / NSCAOVF (New KVP/NSC verify). Function: V-Verify → CIF ID → click on searcher of Regd. No. Unverified Regd. Nos. of the SOL appears. (Also applicable for Fake New A/cs) 7. 8. 9. 10. 11. 12. 13. 14.

15. 16.

17.

18. 19. 20. 21. 22. 23. 24.

New PPF Loan A/c No. not noted. Suffix 1 to the original A/c. New RD Loan A/c No. not noted. Suffix 1 to the original A/c. Denomination & Serial No. of KVP/NSC issued to a Regd. No. CSCACM / NSCAM KVP / NSC pledged. HACLI or HACLITD or HAFSM- Freeze A/c inquire Inventory Transaction ID not noted OR which Inventory not authorized. HIMR → HPR or HIMI date Gofind the Trans Enter but not authorized. Transaction ID of deposit / withdrawal not noted HACLI → A/c ID → Click on transaction date, details will be displayed. OR Use HFTI Transaction ID of Salary / Pension uploaded not noted HACLI → A/c ID → Click on transaction date, details will be displayed. Transaction ID of HLAUPAY (RD unscheduled Loan repayment) not noted Go to verify screen of HLAUPAY – V-Verify → click on searcher of Transaction ID – list of unverified HLAUPAY transactions appear. Search your SOL & get the Tans. ID. Standing Instruction Serial No. note noted. HSSII → Click on Serial No. Searcher & give A/c ID → Serial No. will be displayed. Forget the instrument No. of HACXFSOL transaction (Inter SOL transaction) Invoke HAFI → SOL ID → Enter the table name as ATT→ Enter the Teller User ID in 'Entered by' field→ Enter the Trans Date in 'Entered on' field→ GO. This will list the instruction / instrument number. Forget the instrument No. while converting: HACXFRSC (Exceptional transfer). Invoke HAFI → SOL ID → Enter the table name as SCT→ Enter the Teller User ID in 'Entered by' field→ Enter the Trans date in 'Entered on' field→ GO This will list the instruction number. How to get A/c No. from POSB CQ. HINQACHQ / CHAIN Extension of PPF a/c: HCEXTN Extension of SSCS a/c: HTDREN How to view / print the ledger card of any A/c for a given range of date. HACLPOA How to know an A/c has lien. HACCBAL Ledger View of SCSS/MIS: HFTIA/c IDSOL ID + respective sundry a/c ID in Ref. column give respective original a/c IDkeep the start date blankthen GO Find the before migration transactions details of any a/c: TIPM

25. How to fetch the interest of MIS/SCSS/TD through HTM when the exact amount in not known : In the second part trans screen do not enter any value in the Start Amt / End amt. fields (it should be blank)give the a/c ID at Ref columnsubmit

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Good Practices in CBS Finacle for Post Offices (HOs & SOs) EOD completion Time as per instruction of DTE

By SO 1700hrs (05PM)

By HO 1800hrs (06PM)

BY CPC 2000hrs (08PM)

As EOD is dependent on Counter Transaction Closing time, EOD by HO & SO must be initiated within one-half to two hours from Counter Transaction Closing time or latest by 1800hrs (06PM) whichever is earlier. It is for information that CPC requires about one-half to two hours more to complete EOD process after EOD by all SOLs.

A.

In the morning before starting of counter work:  

See Finacle is showing today’s date. Invoke HFTI and ensure there is nothing in Entered or Posted stage. If anything is there, clear these as given in this booklet. For any problem bring to the notice of CPC concerned.  Ensure that Teller cash is zero. Else note it which will help tallying at the closing.  Perform Vault operation (Receipt from Treasury).

B. On starting of counter work: New A/c Opening & Issue of CC:    

Use of Form: Use New A/c Opening Form (AOF) with KYC Form as per SB Order No.6/2015 dated 09.06.2015. For new CIF, take One KYC Form (AOF pages & KYC documents are for Post Offices & KYC Form is for CPC). For Change Request (CR), take KYC Form in duplicate (one for Post Offices & one for CPC). Verification of A/c Opening Form: Carefully verify the A/c Opening Form, KYC Form and KYC Documents. Return the incomplete Forms to the customer advising proper filling.  Customer Information File (CIF): Do not create CIF randomly. Check for existing CIF (CDEDUP). Always try to use CIF of SB or PPF (as SB & PPF are run for more years) for opening of A/c in other schemes.  Opening of A/c: Feed data carefully. Do not click on Submit more than once. If funding is to be done by transfer, then ensure that new A/c is opened with CIF of Primary A/c holder of Savings A/c or new A/c is a joint A/c.  Specifying repayment A/c on Opening of MIS/TD/SCSS A/c: Customer may be advised to specify repayment SB A/c for auto transfer of Interest, closure transfer & to avail facility of re-investment. If he has no SB A/c, advise him to open one SB A/c.  Issue of CC: New Cash Certificate (KVP / NSC) must not be issued (handed over) to customer on presumption/ manually. After opening of new Cash Certificate, invoke HDRP menu to print the CC. Insert the exact certificate (Denomination & No.) in the printer and print. If the printer has problem or Cash Certificate size does not fit to the printer, then print the Cash Certificate in the system and issue the Cash Certificate writing manually. Funding:  General: Feed the amount carefully. Take special care for RD (Deposit & Withdrawal – Loan), PPF withdrawal (Restricted & only once in a year), SSA deposit (as withdrawal not allowed).  Funding by Transfer: No withdrawal form is required. On AOF the Depositor is to write “Funding by Transfer from Savings A/c No. ………”  MPKBY List: Ask the Agents to write commission payment A/c No. on the list. Accept e-reference list, verify commission payment A/c to ensure posting of due commission. Else ask the Supervisor to verify carefully. Closure & Withdrawal: (SO is authorized to close all schemes except PPF).  MIS/TD/SCSS Interest payment: Use HTDTRAN to know about Interest Outflow. If not found, use HFTI and/or HACLINQ to know interest out flow by giving interest flow date, Sundry A/c No. & TD / MIS / SCSS A/c as Ref. No. (Sundry A/cs are:- MIS=SOLID+0337; TD=SOLID+0335; SCSS=SOLID+0338).  By Cash: To be done as usual. INR.20000/- or more must not be paid by cash for other than SB. Run HCASHPND to adjust the cash withdrawal.  By Transfer to SB A/c: To be done as usual. But the customer may be advised to write the SB A/c No. in the form if not specified earlier. Before transfer, verify status of SB A/c (SB A/c is opened at least one day earlier, no verification is pending & not a Dormant (Silent) A/c). If so, rectify first, then transfer.  By Cheque: SOs which are authorized to draw cheque, should transfer the amount to PM’s cheque A/c (SOL ID+0340) and made over the cheque to depositor. SOs which is not authorized to draw cheque should adopt the following procedure. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 118 of 134

 SO which is not authorized to draw cheque:  Preference may be given to transfer the amount to customer’s SB A/c.  Withdrawal: Sent cheque requisition to HO. On receipt of cheque, perform the withdrawal.  Closure: S.O. may perform final closure, but must not verify. View the amount to pay. Accordingly do cheque requisition. On receipt of cheque, the A/c to be verified. It will come in the LOT on the day of verification.  Reinvestment: Savings A/c is compulsory. Obtain filled in AOF where depositor will write Savings A/c No. for closure proceeds and reinvestment to new A/c. For new A/c or CC Issue, debit Savings A/c and credit new A/c. Remaining part amount will be in Savings A/c.  Bulk Closure of CC (CNSBCV): Payment by cash is not allowed in bulk closure. Transaction Closing: (For both SOL & Inter SOL Transactions):  SOL Transaction Closing: Though SB counter transaction closing time differs from office to office, the last closing time should not be more than 1600hrs (04PM).  Inter SOL Transactions (HACXFSOL): If there is any Inter SOL Transactions, it must be completed at least before half an hour of SB counter transaction closing time. Prefer cheque payment avoiding payment by cash.

BO Transactions: (Criteria: 1300hrs for 1500hrs & 1200hrs for 1400hrs SB counter close)  Mail received from BO by 1200hrs / 1300hrs: Account for the Daily A/c on the same day and complete BO Savings Bank transactions in Finacle by 1500hrs.  Mail received from BO after 1200hrs / 1300hrs: Following procedure may be followed.  “Delivery information of Regd., Speed Post articles etc. may be updated. Remitted to SO may be taken as Advance in Treasury. BO Daily A/c & BO SB figure may be taken into a/c on the next day. BO Savings Bank transactions may be fed in Finacle on the next day (after EOD of today)”.  Non-linking of BO A/cs: It should not be reported to CPC or DMCC / CBS-CEPT Chennai. Instead, the said BO A/cs may be modified to tag/map/link to concerned BO in CBS Finacle. (Modification menu options: SB= CASBAM; RD= CRDACM / RDAMM; TD= CMISAM / MISAMAV; SSA= PPFAMAVF / CPPFAM). After modification the same must be verified by Supervisor. (Supervisor Verification menu options: SB= CASBAV; RD= CRDOAACV / RDAOVF; TD= CMISAOPV / MISAVF; SSA= CPPFAO). (Ref. email of 14.05.2015).  Sending Sanction to BO: Follow laid down process of sanction of BO withdrawal/closure. Passbook and SB7A should be sent to BO with the direction that:For SB- Sanction is valid only up to last working day of the month. For RD & TD - Sanction is valid only up to …… day of the month (day of the month on which the A/c is opened). If customer does not attend BO up to that date, a fresh sanction is to be obtained by BO. Verifications: Supervisor needs to verify the transaction immediately as and when occurs especially Inter SOL.

C. 

   

On Closing of counter work: Report printing: Ensure that nothing is pending for Verification & cash payments have been adjusted by HCASHPND. Required daily LOT & Journals may be printed after completion of verification of transactions. Besides it is required to take print out of PM’s cheque A/c (SOL ID+0340) & cheque clearing list and Supervisor to ensure that these are made zero for the day (i.e. no cheque is pending for disbursement, all the cheques cleared have been posted i.e. either new a/c opened or subsequent deposits are made in respective a/cs). Perform Vault operation (made over to Treasury). Ensure that Teller cash is zero. Invoke HFTI, HAFI & HIMI and ensure there is nothing pending. For any problem bring to the notice of CPC concerned immediately. Execute EOD. Seal the vouchers & LOTs. Size the AOF, KYC Forms & KYC Documents for the office (keep in ring guard file) & size KYC Form for CPC for sending on the next day.

Fault Reporting: Network fault reporting should be made to M/s Sify immediately. For Finacle, before fault reporting refer “FAQ dated 04.10.2014” and “CBS Finacle Work Flow Process with BO Transactions” and contact CPC on telephone. If no solution is found, send email with screen shot immediately. The last fault reporting for the day should be by 1730hrs for HO and 1630hrs for SO and the fault should be related to EOD.

Feeding at SOSB, SBCO & Return to SBCO: There is no need of data feeding at SOSB or SBCO for the CBS Post Offices. Return to SBCO needs to be given daily as usual preparing Consolidated Journal. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 119 of 134

Frequently Used Menu Options / Commands – CBS Finacle CIF MODULE Search CIF CDEDUP Create /Modify/Verify New CIF CCRC Modify / Verify Existing CIF CMRC Merger of CIF HCCA Customer 360◦ View HCRV Search CIF CDEDUP SB Module Open Account CASBAO Verify Account CASBAV Modify before verify CASBAOM Modify after Verify CASBAM Cash Transaction CTM Transfer Transaction CXFER Passbook Print HPBP A/c Ledger Inquiry HACLI A/c Balance Details HACCBAL A/c Inquiry HACCDET Find New A/c from Old A/c CNAC Closing A/c HCAAC OFFICE ACCOUNTS CASH Transfer HTM Cash Reports HFINRPT Teller Cash Report HSCWRPTA Teller Cash Position HTCPIAE Cash Position (All Tellers) HTCPIAC Office A/c Inquiry HACLINQ Office A/c Ledger Extract HACLPOA INVENTORY MANAGEMENT Inventory Movement HIMC Split Inventory (own location) HISAI Split Inventory (Other’s location) HISIA Merge Inventory (Own Location) HIMAI Merge Inv. (Other’s Location) HIMIA Inventory Inquiry HIIA Issue of Cheque Book HICHB Cheque Book Inquiry HICHBI Find A/c id from Chq No HINQACHQ Inventory Report HISRA Print Reports HPR HPO to SPO SOL Change HCCS Inward Clearing Module Open/ Validation/ Post /Suspend HMICZ /Close/ Inquire Inward Zone Upload Chq HRMI Edit/Enter Instruments HICTM Validation Run HMICZ Verify Chq HICTM Outward Clearing Module (SPO) Enter Instruments HOMSO Verify Instruments HOMSO Report Generation HOMSOEX ECS Module ECS Mandate HECSM Create ECS Dump HEGOC Settlement Process Run HEOSR ECS Reject Processing HEORP Transfer File to PC HTRFTOPC

ACCOUNT MAINTENANCE A/c Lien Marking HALM A/c Freezing HAFSM Stop Payment of Chq HSPP Verify SPP HSPPAU Stop Payment Report HSPRG Standing Instructions HSSIM Inquire SI HSSI SI Report HSIETR SI Register HSIRP TD/MIS Module POTD / MIS A/c Opening CMISAOP POTD/ MIS Verification CMISAOPV Modify Before Verify CMISAOPM Modify after Verification CMISAM TD A/c Extension HTDREN Inquire Details of TD/MIS TDINQ Closure of MIS/TD HCAACTD Verification of Closure HCAACVTD SCSS Module SCSS A/c Opening CSCAOP Verification of A/c CSCAOPV Modify before Verify CSCAOPM Modification after Verify CSCAM Tfr. to Exception Scheme HACXFRSC Closure of SCSS A/c HCAACTD Verification of Closure HCAACVTD NSC/KVP Open Account CSCOAAC Verification of A/c opening CSCOAACV Modify A/c before Verify CSCOAACM Modify A/c after Verify CSCACM Printing NSC HDRP Reprint NSC HREDRP Closing Account CSCCAAC NC$A Report HFINRPT AGENT PORTAL Agent Transactions HAGTXP Create DSA ID HDSAMM Agent Inquiry HDSAIP Outward Clearing Module(HPO) Enter Instruments HOMSO Verify Instruments HOMSO

RD Module Open RD A/c CRDOAAC Verify A/c Opening CRDOAACV Modify before Verify CRDOAACM Modify after Verify CRDACM Printing RD Passbook HPBP Pending Installment Inq HPLIST Funding RD CRDP Manually Extend RD PRDCM Close RD A/c CRDCAAC PPF Module PPF A/c Opening CPPFAO Verification CPPFAV Modify before Verify CPPFAOM Funding of PPF CPDTM Withdrawal of PPF CPWTM Extend PPF HCEXTN Closure of PPF HCAAC Loan on RD RD Loan A/c Opening CAOLARD Verification CAOVLARD Modify Before Verification CAOMLARD Modify After Verification CACMLARD RD Disbursal LARDD RD Loan Repayment HLAUPAY RD Loan HPAYOFF RD Loan Closure CAACLA Loan on PPF Loan A/c Opening CLPPFAO Loan A/c Verification CLPPFAOV Modify before Verify CLPPFAOM PPF Loan Disbursal CPWTM PPF Loan Repayment CPDTM PPF Loan Int. Run HACINT PPF Loan Process CLPR Closure of PPF Loan HCAAC Out Station Cheque (OSC) Module OSC Maintenance HIRM OSC Report HINWREMI Memo pad Lookup HMEMOPAD Memo pad Verification HMPAU Transfer File to PC HTRFTOPC Chq book issue Report HCHBIR

Report Generation Inquiry of Lodged Cheque Open Zone Upload File Generation Clearing File Upload Instruments Entry Suspend Zone Verify Instruments Release to Shadow Mark Pending Revoke Pending Regularise Zone

Customer A/c Ledger Print HACLPCA Interest Table Inquiry HINTTI Int. Table Maintenance HINTTM Other Important Menus Transfer of A/c to CBS PO HACXFSOL Tfr. to Exceptional Schemes HACXFRSC Financial Tran Inquiry HFTI Financial Tran Report HFTR Audit File Inquiry HAFI Cash adjustment HCASHPND EOD ST 1 Step HSCOD nd 2 Step HSOLCOP rd 3 Step HSCOLD

HOMSOEX HIOCLS HMCLZOH HOMSOEX HCLUPLD HOCTMO HMCLZOH HOCTV HMCLZOH HMARKPEN HREVPEND HMCLZOH

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 120 of 134

List of End Users’ Menu in CBS Finacle – In Alphabetical Order of Modules Work Item / Purpose

1 2 3 4

1 2 3 4 5 6 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 1 2 2a 2b 3 4 5 6 7 8 9 10 11

Operator Menu

ATM Cash loading in ATM HXFER Inquire ledger balance HACLI ATM Card issue etc. (All SOLs) CCMM Download files by giving parameter (for Bangalore CCDM GPO) Agent Portal Create DSA ID / DSA Master Maintenance HDSAMM DSA Parameter Setup HDSAPM Agent Inquiry HDSAIP Agent Transactions - Agent Bulk Posting Menu HAGTXP / RDAGBP View / Modify attachment of Agent to RD a/c CRDACM Posting Bulk PRSS Agent list HAGTXP/ CPAGTXP Cash Certificates: KVP / NSC KVP/NSC Open Account CSCOAAC/ NSCAO KVP/NSC New Account Modify before Verify CSCOAACM/NSCAMBV KVP/NSC New Account Modify after Verify CSCACM / NSCAM Printing KVP/NSC HDRP Reprint KVP/NSC ---Duplicate certificate printing (In Postmaster’s ---login only) Correctness of the certificate allotment CSCACM / NSCAM Final Closure KVP/NSC Account wise CSCCAAC / NSCAC Closing (Encash) Bulk KVP/NSC by Regn. No. CNSBCV NSC Report HFINRPT Balance Inquiry of KVP HACLITD To check the pledged status of KVP/NSC A/c HAFSM Cheque - Inward Clearing with sequence Open Inward Clearing Zone -----Edit/Enter Instruments HICTM/HICTMO Rejecting cheque – both Inward & Outward HICTM/HICTMO 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 HOCTMO File Downloading from S.Os ---Upload Clearing File of S.O ---Inquiry of Lodged Cheque HIOCLS Verify Instruments (Verify one by one: HOCTM. ---Bulk verification: HOCTV) Suspend Zone ---Report for Clearing House HPCLSO/ HOMSOEX Release to Shadow Balance ---Marking outward rejection (In Inward zone) ---Mark Pending of cheque(s) ---Regularise Shadow Balance ---Revoke Pending (By Postmaster) ----

Supervisor Verify Transaction (T) Menu Menu HXFER HACLI CCMM CCDM

(V) Type V T V ---

HDSAMM HDSAPM ---HAGTXP CRDACM HAGTXP/CPAGTXP

V V

CSCOAACV/NSCAOVF CSCOAACV / NSCAOVF CSCACM / NSCAM ---HREDRP HDUDRP

V V V

V V V

T T

CSCACM / NSCAM CSCCAAC / NSCAC CNSBCV HFINRPT HACLITD HAFSM

T V V T T T

HMICZ ------HICTM/HICTMO HMICZ HMICZ HPR HICTM

T T T V T T T T

HMICZ HMICZ

T T

HMCLZOH ---HTRFTOPC HCLUPLD HMCLZOH HOCTM / HOCTV

T

HMCLZOH HPCLSO/ HOMSOEX HMCLZOH HICTMO HMARKPEN HMCLZOH HREVPEND

T T T T T T T

T T V V

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 121 of 134

/

Cheque - Outward Clearing (SO) & CBS HO not dealing with clearing house Enter Instruments HOMSO ---Verify Instruments ---HOMSO V Report generation for cheques CHLR. ---T Generation of text file for HO HTRFTOPC ---T Inquiry of Lodged Cheque HIOCLS HIOCLS T Cheque - Out Station Cheque (OSC) 1 OSC Maintenance (Lodge/ Verify / Realize / HIRM HIRM V Dishonour) 2 OSC Report HINWREMI T 3 Upload Chq HRMI T Common Menus – All schems 1 Account Details HACCDET ……… 2 Account Name Change --------HAALM TV 3 Account Interest Before Closure HACINT HACINT T 4 Account Ledger Inquiry HACLI HACLI T 5 Account Selection List / Search a customer HACS HACS T 6 BO Account Closure Warrant HACACCR HACACCR V 7 Cash Pending clear Transaction (Adjustment) HCASHPND HTM V 8 Cash Transfer CXFER CXFER V 9 Change Context SOL ID ---HCCS T 10 Custom New Account (Find new A/c No.) CNAC CNAC T 11 Customer Becoming Major (Report) HCBM → HPR ……… 12 Customer Transaction Maintenance (by cash) CTM CTM V 13 Deposit Transactions Report Summary HDTRS …………. 14 Finacle Report HFINRPT HFINRPT T 15 Find Transaction ID HFTI HFTI T 16 Pass Book Printing HPBP …….. 17 Pass Book Printing (Selected entry) HPBPR HPBPR V 18 Teller Cash Position Inquiry An Employee HTCPIAE …….. 19 Transactions Maintenance HTM HTM V 20 Transfer Of Accounts (Inter SOL) HACXFSOL HACXFSOL V 21 View / Print generated report HPR HPR T 22 View / Print the statement of account HPSP→ HPR HPSP→ HPR T 23 New A/c Opening List view / print HACSP→ HPR HACSP→ HPR T Customer Information File (CIF) 1 Search existing CIF CDEDUP CDEDUP T 2 New CIF Create/Modify/Verify CCRC / CIFCR CCRC V 3 Modify / Verify Existing CIF CMRC CMRC V 4 Merger / Change of CIF HCCA HCCA V 5 Customer 360◦ View HCRV HCRV T 6 Inquiry on Customer HCUDET HCUDET T Discontinued Schemes 1 Payment of Principle by Cash/Cheque/ Transfer HTM HTM V 2 Payment of PMI by Cash CTM CTM V 3 Payment of PMI by Cheque / Transfer CXFER CXFER V 4 Closure Of Accounts HXFER HXFER V 5 Reporting (Ledger printing) HACLPOA ---T ECS 1 ECS Mandate Maintenance HECSM HECSM V 2 Create ECS Dump HEGOC ---3 Settlement Process Run HEOSR ---4 ECS Reject Processing HEORP ---5 Transfer File to PC (Download ECS file created in HTRFTOPC HEGOC) Freezing of A/c 1 Freezing & Unfreezing of A/c HAFSM HAFSM V Inventory Management 1 Add Inventory & Verify (Cheque / KVP / NSC) ---HIMC TV 2 Change SOL ID to Transfer Inventory by HO ---HCCS T -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 122 of 134 1 2 3 4 5

3 4 5 6 7 8 9 1 2 3 4 5 6

1

1 2 3 1 2 3 4 5 6 7 1 2 3 4 1 2 3 1 2 3 4 1 2 3 4 5 6 7 8

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) Inventory - Cheque Book maintenance 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 Cheque Book Maintenance (Acknowledge, Inquire, Destroy etc.) Inventory Movement Report To know status of all Inventory movement for a day (Authorised & Not Authorised) Lien Maintenance Marking / Removing Lien on A/c Show / See the effect of Lien on a/c balance Show / See the lien amount NSS A/c Withdrawal Transactions Amend Nomination Details & Verify Take TDS before Closure Closure of NSS A/c & Verify Removal of Freeze & Verify Enquire NSS92 original deposit (Free Text 12) Enquire NSS Form 15G / 15H (Free Code 9) Office A/c (See Inquire also) Postings into Office Accounts Basic and Office Accounts Pointing & Verification Parking of Unposted Amount where Credit a/c no. is wrong OR unknown Inquire on Transactions Ledger Inquiry – Office Accounts Other SOL Transaction (Inter SOL Transaction) Balance Inquiry Transfer in from other SOL (inter SOL Transfer) Name change Pay & Other Bill Uploading Upload Salary/Pension text files Salary/Pension Uploading report generation Salary/Pension Upload report view / print Generation of List of pension accounts Pradhan Mantri Yojana

HISAI HISIA HIMAI HIMIA HISR/HISRA HIMI

HISAI HISIA HIMAI HIMIA -------

TV TV TV TV

HIIA

----

HICHB HSPP HINQACHQ HCHBM / CHBM

HICHB HSPPAU ……….. HCHBM / CHBM

HCHBIR HCHBM / CHBM

HCHBIR HCHBM

V

HIMR → HPR

HIMR → HPR

T

HALM HACLI HACCBAL

HALM HACLI HACCBAL

V T T

CTM or CXFER HACM HCACC HCAAC / CLOSE HAFSM HACM_MIS Codes HACM_MIS Codes

CTM or CXFER HACM HCACC HCAAC / CLOSE HAFSM -------

V V V V V

HTM

HTM

V

CTM / CXFER

CTM / CXFER

V

HIOT /TIPM HACLINQ

HIOT /TIPM HACLINQ

T T

HACLI HACXFSOL ----

HACLI HACXFSOL HAALM

T V TV

---HFINRPT HPR HACSP

HTTUM HFINRPT HPR HACSP

T T T T

Verification of signature New CIF creation Modification of existing CIF New Savings A/c opening Existing Savings A/c Modification Data entry for PMJJBY & PMSBY To get total amount collected all over India Update UTR Number and Amount after RTGS

IES CCRC CMRC CASBAO

---CCRC CMRC CASBAV

CASBAM CPMY CUUTR CUUTR

CASBAM CPMY These two are work of Sansad Marg HO, New Delhi

T V V V V V T T

V V V

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 123 of 134

1 2 3 4 5 6 7 8 9a 9b 9c 10 11

12

13 14

1 2 3 4 5 6 7 8 1 2 3 4 5 6 7 8

9 10 11 12 13 14 15 16 17 18

Public Provident Fund (PPF) A/c PPF New A/c Opening CPPFAO CPPFAV PPF New A/c Modify before Verification CPPFAOM CPPFAV New A/c Modify after Verification CPPFAM CPPFAM Modify existing PPF A/c PPFAMAVF / CPPFAM PPFAMAVF / CPPFAM Funding – Deposit in PPF CPDTM CPDTM Withdrawal from PPF CPWTM CPWTM Extension of PPF HCEXTN HCEXTN/PPFAEXT Transfer in / Out of PPF A/c – CBS PO to CBS PO HACXFSOL HACXFSOL PPF Transfer in from Bank or a non-CBS PO to a CPPFAO/PPFAO CPPFAV CBS PO To edit transaction text file of Bank HTRFTOUN ---To upload transaction text file of Bank CTUPLD CTUPLD st PPF Transfer in from Bank processing (1 CTPROC CTPROC Supervisor to do, then PA) Zeroing of PPF interest for the financial year in ---HINTTM case of Transfer-out to Bank (Run from Postmaster login & verify by another Supervisor) PPF Transfer out to Bank (To be initiated by HCAAC HCAAC supervisor and be verified by another supervisor) Closure of PPF on maturity HCAAC HCAAC Pre-mature / Claim Closure of PPF (To be verified ---HCAAC by another Supervisor) PPF LOAN PPF Loan A/c Opening CLPPFAO / PPFLAO CLPPFAOV / PPFLAVF PPF Loan A/c Modify before Verify CLPPFAOM/PPFLAMBV CLPPFAOV / PPFLAVF PPF Loan A/c Modify after Verify / Modify existing CLPPFAM / PPFLAMAV CLPPFAM / PPFLAMAV PPF Loan A/c PPF Loan Disbursement and Interest Recovery CPWTM / PPFWLINT CPWTM / PPFWLINT PPF Loan Repayment (Principal) CPDTM / PPFDPLR CPDTM / PPFDPLR Closure of PPF Loan A/c (Use CPDTM to pay principal) Then following steps. st PPF Loan Process (1 Step of Closure) ---CLPR nd PPF Loan Int. Run (2 Step of Closure) HACINT ---rd Closure of PPF Loan (3 Step of Closure) HCAAC HCAAC Recurring Deposit (RD) A/c RD New A/c Open CRDOAAC /RDAOCM CRDOAACV / RDAOVF RD New Account Modify before verify CRDOAACM / RDMAO CRDOAACV RD New Account Modify after verify CRDACM CRDACM Funding – Deposit in RD CRDP / CRDAMT CRDP/ CRDAMT Manually Extend RD for next 05 years PRDCM PRDCM Extension of RD HPRDCM HPRDCM Deferment of RD Maturity Date in case of PMDDRD PMDDRD permitted defaults Removing RD Lien of Loan Interest before closure HALM HALM when principal has already been paid before migration to finacle Close RD A/c CRDCAAC / RDACLM CRDCAAC/RDACLM Pending Installment Inquiry HPLIST HPLIST RD Agent (MPKBY) Agent Transactions - Agent Bulk Posting HAGTXP HAGTXP View/ Modify attachment of Agent to RD a/c CRDACM CRDACM Check the agent type HDSAMM -RD Loan RD Loan A/c Opening CAOLARD / RDHWAO CAOVLARD/ RDHWAVF RD Loan A/c Modify Before Verification CAOMLARD/RDHWAMBV CAOMLARD RD Loan A/c Modify After Verification CACMLARD/RDHWAMAV CACMLARD RD Disbursal LARDD / RDHWDP LARDD RD Loan Repayment – Unschedule HLAUPAY HLAUPAY

V V V V V V V V V

V TV TV

TV

V TV

V V V V V T V V V V V V V V V

V T V V

V V V V V

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 124 of 134

19 20 21 1 2 3 4 1 2 3 4 5 6 7 8 9 10 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 6 7 8 9 10

1 2 2a 2b 1 2 2a 2b 2c 2d

RD Loan Repayment – Schedule RD Loan Pay off Process RD Loan Closure Rectification Transfer of A/c to Exceptional Scheme / Transfer accounts across scheme codes Rectify Wrong printing of customer address or Post Office name in Passbook Fake / Unwanted A/c opening verification Fake / Unwanted A/c closure Savings Accounts (Known as SB A/c) SB New Account Open SB New Account Modify before verify SB New Account Modify after verify Funding in SB A/c - Cash Transaction Funding in SB A/c - Transfer Transaction Closing of SB A/c SB A/c Ledger Inquiry SB A/c Balance Details SB A/c Inquiry Minor to Major Report Standing Instructions Maintenance Standing Instruction Maintenance Standing Instruction Inquiry Standing Instruction Print SI Executed Today’s Report SI Execution Report Sukanya Samriddhi Accounts (SSA) SSA New A/c Opening SSA New A/c Modify before Verification New SSA A/c Modify after Verification Funding – Deposit in SSA New A/c Opening List view / print TDA -Term Deposit Accounts (TD / MIS) Term Deposit (TD / MIS) New A/c Opening

HLASPAY HPAYOFF CAACLA

HLASPAY HPAYOFF CAACLA

V V V

HACXFRSC

HACXFRSC

V

HRRCDM

HRRCDM

---HCAACTD

HOAACVTD HCAACVTD

Not given V V

CASBAO CASBAOM CASBAM CTM CXFER HCAAC HACLI HACCBAL HACCDET HCBM →HPR

CASBAV CASBAV CASBAM CTM CXFER HCAAC HACLI HACCBAL HACCDET HCBM →HPR

V V V V V V T T T T

HSSIM HSSII HSIRP HSIETR HSIREPTS → HPR

HSSIM HSSII HSIRP HSIETR HSIREPTS → HPR

V T T T T

CPPFAO CPPFAOM CPPFAM CTM HACSP → HPR

CPPFAV CPPFAOM CPPFAM CTM HACSP → HPR

V V V V T

MISAO/ CMISAOP/ TDACTOP (TD/MIS) New A/c Modify Before Verification MISAMBV/ CMISAOPM (TD/MIS) New A/c Modify after Verification CMISAM / MISAMAV Funding (TD/MIS) by cash, if not done at open TRCDP/CTM / HCTM Funding(TD/MIS) by transfer, if not done at open TRTFR / CXFER Term Deposit (TD/MIS) Interest payment HTM Closure of Term Deposit (TD / MIS) A/c HCAACTD / TDACTCL Inquire Details of Term Deposit (TD / MIS / SCSS) TDINQ Term Deposit (TD/MI /SCSS) Transactions Details HTDTRAN View Term Deposit (TD/MIS/SCSS) Interest Details HIOT / TIPM of Sanchasy Post (Upto migration) Time Deposit Special / Extra TD A/c Extension / Renewal / Re-deposit TDRED / HTDREN Closure of Time Deposit upon Death of Customer Modification of CIF to enter death information CMRC / CIFMD Closure of Term Deposit (Time Deposit) HCAACTD / TDACTCL MIS Special / Extra MIS A/C Individual Holding Status CLIMIT Closure of MIS Upon Death of First of the Joint A/c Holder where amount is more than the prescribed MIS limit Modification of CIF to enter death information CMRC Withdrawal of Excess Amount from MIS Deposit HCAACTD Merger of CIF HCCA MIS account modification to single a/c CMISAM TDA -Term Deposit Accounts (SCSS A/C)

MISAVF / CMISAOPV / TDACTOPV CMISAOPV CMISAM TRCDP/CTM / HCTM TRTFR / CXFER HTM HCAACVTD / TDACTCLV TDINQ HTDTRAN HIOT / TIPM

HTDREN CMRC / CIFMD HCAACVTD / TDACTCLV CLIMIT

CMRC HCAACVTD / TDACTCLV HCCA CMISAM

V V V V V V V T T T

V V V T

V V V V

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 125 of 134

1 2 3 4 5 6 6a 6b 6c 7 1 2 3 1 2 3 4 5 6 7 8

SCSS New A/c Opening SCSS New A/c Modify Before Verification SCSS New A/c Modify after Verification SCSS A/c Extension / Renewal for next 03years Closure of SCSS A/c on maturity Death Closure within Lock-in Period Transfer to exceptional scheme Modification of Interest Rate Closure of SCSS a/c SCSS Transfer in from Bank / Non-CBS PO TDS Refund of TDS Take TDS before Closure of NSS Tax Report Options Vault Transaction Transfer of Cash A/c Ledger Inquiry A/c Balance Inquiry Office A/c Ledger Inquiry Cash Reports (Counter-wise) Shroff / Teller Cash Report Teller Cash Position Inquiry Teller-wise Cash Position Inquiry

Work Item / Purpose

1 2 1 2 3 4 1 2 3 4 5 6 1 2 3 4 1 2 3 4 5 6 7 1 2 3

CSCAOP / SCSSAO CSCAOPM /SCSSMBV CSCAM / CSSMAV HTDREN HCAACTD

CSCAOPV / SCSSAV CSCAOPV CSCAM HTDREN HCAACVTD

V V V V V

HACXFRSC HINTTM HCAACTD SCSSAO

HACXFRSC HINTTM HCAACVTD HCAACVTD

V V V V

HRFTDS HCACC HTDSIP

---HCACC HTDSIP

V T

HTM HACLI HACCBAL HACLINQ HFINRPT HSCWRPT HTCPIAE HTCPIAC

HTM HACLI HACCBAL HACLINQ HFINRPT HSCWRPT HTCPIAE HTCPIAC

V T T T T T T T

Reports - Inquire - View / Print Operator Menu

General Day to day Transaction Reports Invoke Report options How to print or view reports Office Accounts And Reports Inquire on transaction Inquiry on GL transaction Office Account Ledger Inquiry Office A/c. Ledgers Print Interest Inquiries And Reports Account Interest Inquiry Customer Interest Inquiry Account Interest report Interest Details Inquiry Inquiry on Interest Interest Adjustment Charges Inquiry And Reports Customer wise charges Inquiry Inquire Fee details Closed Charges For Silent Account General Fees Clearing Inquiries And Reports Print inward clearing statement Print inward clearing validation report Clearing rejection report Inward Remittance Details Report Outward Remittance Details Report Outward Clearing Instrument Inquiry Transfer File to PC Loan Accounts Inquiry And Reports Loan accounts of customer report Loan General Details Ledger Inquiry

HFINRPT HPR

Supervisor Verify (V) / Transaction (T) Menu Menu Type HFINRPT T HPR T

HIOT/TIPM HIOGLT HACLINQ HACLPOA

HIOT HIOGLT HACLINQ HACLPOA

HAITINQ HCUIR HAINTRPT HINTTI HLINTI HIARM

HAITINQ HCUIR HAINTRPT HINTTI HLINTI HIARM

HCCI IFD CCCSA HGCHRG

HCCI IFD CCCSA HGCHRG

HPICSL HMICZ HREJREP HINWREMI HOUTREMI HOIQ HTRFTOPC

HPICSL HMICZ HREJREP HINWREMI HOUTREMI HOIQ HTRFTOPC

HCULA HLNGI HLACLI

HCULA HLNGI HLACLI

T T T T T T T T T T T T T T T T T T T T T T T T T T T T

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 126 of 134

1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 1 2 3 4 5 6 7 8 9 10 1 2 3 4 5 6 7 8 1 2

Customer Inquiries And Reports Account Selection Account selection and Print Components of account balance Account balance inquiry Account Ledger inquiry Account below minimum balance report Account ledger print Account of customer Customer Search Inquire on General Details of Customer Signature Verification View Signature and Photograph List Cheque Books And Reports Cheques book issue inquiry Inventory Split and Inquiry Inventory Inquiry All Inquire on Inventory Movement Inquiring on the inventory Other Inquiry And Reports Balancing report Quick balancing report Print report Inter sol transaction report Inter sol audit report Exceptions Report Report Generation General Report Day Book printing Generate Stop Payment Register Report Shroff / Teller Cash Report Accounts Transfer Report Monthly/Yearly Statistical report Scheme Balances Monthly/Yearly Nomination Statistical Reports Memo pad Maintenance Deposits inquiry And Reports Account details General details Renewed account inquiry Pending installment List (Recurring Deposit) Customer accounts maturities Term Deposit of the customer Deposit Transactions Report Summary Term Deposit Renewal History Details of Account Tax Report Options Customer Wise TDS Report Transactions Inquiry And Reports Financial Transaction Inquiry Financial Transaction Report Teller cash position Inquiry –employee Teller cash position Inquiry-currency Outward cheques Inquiry Balance Inquiry A/c. Shadow Balance Inquiry Transactions Report Savings Account Inquiry And Reports Accounts transfer Report Cheques Report Generation

HACS HACSP HACCBAL HACCBALI HACLI HABMR HACLPCA HCUACC HCRV HCUDET HACI VSPH

HACS HACSP HACCBAL HACCBALI HACLI HABMR HACLPCA HCUACC HCRV HCUDET HACI VSPH

HCHBI HISAI HIIA HIMI HISI

HCHBI HISAI HIIA HIMI HISI

HBR HQBR HPR HISTR HISAR HEXCPR HFINRPT HGR1 HPDB HSPRG HSCWRPT CATREP HMR CSCB CNSR HMEMOPAD

HBR HQBR HPR HISTR HISAR HEXCPR HFINRPT HGR1 HPDB HSPRG HSCWRPT CATREP HMR CSCBCNSR HMEMOPAD

HACDET HGDET HRELACIHPLIST HCUMAT HCUTD HDTRS HRENHIST HTDSIP HTDSREP

HACDET HGDET HRELACIHPLIST HCUMAT HCUTD HDTRS HRENHIST HTDSIP HTDSREP

HFTI HFTR HTCPIAE HTCPIAC HOCI HABI HACSBIO CNSTRP

HFTI HFTR HTCPIAE HTCPIAC HOCI HABI HACSBIO CNSTRP

CATREP CCHQREP

CATREP CCHQREP

T T T T T T T T T T T T T T T T T T T T T T T T T T T T T T T T T T T T T T T T T T T T T T T T T T T T T T T T T T T

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 127 of 134

3 4 5 6 7 8 9 10 11 12 13 14

Minor to Major Report Dormant Accounts revived Report Silent account Report Account Freeze and Unfreeze Report Welcome Kit Account Report Report of SB Withdrawals above Rs.10000 A/c. Balance Details Old Accounts Details Look Up Inquire on General Details of Account Account freeze/Unfreeze Inquire on standing instructions maintenance Standing Instructions Reports

CMITMA CRVACC CSIREP CAFUREP CWAREP CWDREP HACDET CNAC HACCDET HAFSM HSSII HSIREPTS

CMITMA CRVACC CSIREP CAFUREP CWAREP CWDREP HACDET CNAC HACCDET HAFSM HSSII HSIREPTS

T T T T T T T T T T T T

 Finacle Settings : Desktop – Printer – View Signature & Photo – Pre-requisites

1. Pre-requisites: Desktop PC with 2GB of above RAM, Licensed Windows XP or above OS with latest Service Packs (Win-7 or Win-8 is preferred), Internet Explorer 8.0 or higher (IE 8 is preferred), Sun JRE 1.6.0_27 and JDK 1.6 (Java 7 update 21), Adobe Reader 8.0 or above, FlashPlayer10_1r85_3_win or above, Authorised updated AntiVirus, 2. Desktop Settings for Finacle: With addition of new Internet base applications & Services, the desktop settings are get changing time and again. Hence for desktop settings follow the steps & configuration file provided by the vendor. 3. Pass Book (PB) Printer settings: a. Installing PB Printer in the computer: Normally we are using Olivetti PRS2 / Lipi PB2 PB Printers. Connect the printer correctly to the computer and follow the below steps to install the PB Printer. For Windows-7 & 8 Start → Control Panel → Devices and Printers → Click on Add a Printer → Click on Add a local Printer → Next screen appears → Click on “Use an existing Port – & - Select appropriate port from dropdown list (Normally COM1 (Serial Port) → Click on Next → Select “Manufacturer” as “Generic” and then Printer as “Generic IBM Graphics 9pin wide” → Next → Give Printer Name (e.g. PBPrinter) → Next → Select “ Do not share this Printer” → Next → Print a Test page (optional) → Finish. (Printer installation is completed) For Windows-10 Start → Settings → Devices → Click on +Add a Printer or Scanner (It will search the device & displays message ) → Click on “The Printer that I want isn’t listed” → Next screen appears → Select “Add a local or network printer with manual settings” → Click on Next → Click on “Use an existing Port – & - Select appropriate port from dropdown list (Normally COM1 (Serial Port) → Click on Next → Select “Manufacturer” as “Generic” and then Printer as “Generic IBM Graphics 9pin wide” → Next → Give Printer Name (e.g. PBPrinter) → Next → Select “ Do not share this Printer” → Next → Print a Test page (optional) → Finish. (Printer installation is completed) b. Parameter Settings in PB Printer: Press Station1 + Station2 + Online switch at a time and power on. The existing configuration will be printed in the paper. Verify and modify the settings if required. The following settings are to be done in the Pass Book Printer. Parameter Config-1 & 2 Config-3 Parameter Config-1 & 2 Config-3 1 Save Parameter Y NA 10 Bit / Char 8 NA 2 PNS Selection N NA 11 Boud Rate 9600 NA 3 BIM Bidirect Y NA 12 RS1 Emulation IBM NA 4 Special Form N NA 13 Interface Serial1 NA 5 PAP Edge Ditect N NA 14 Buzzer Y NA 6 DCD Y NA 15 Paper Width First Line First Line 7 DSR Y NA 16 LQ Type NLQ1 NLQ1 8 Stop Bit 1 NA 17 Draft Speed High High 9 Parity None NA -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 128 of 134

c. SW Settings for PB Printer: 1) PB Printer settings in the Operating System: 1

Description Goto Control Panel → Devices and Printers. Select “Generic IBM Graphics 9pin wide” →Select “Printer Server Properties” tab on the top. A screen as screenshot-2 appears.

2

Click on “Create a new form” and type a Name in “Form name” as e.g.: PassbookNew1. In Units click on English. Specify measurements for margins: Width:8.50in, Height: 12.00in, Left & Right: 0.00in, Top:0.75in, Bottom: 0.75in. Click on Save Form and Click on OK / Close button which is on the screen. Screen returns back.

3

Right click on “Generic IBM Graphics 9pin wide” → select “Printing Prefernces”. Screen as the screenshot will pop-up with Layout and Paper/Quality tabs. In Layout tab, click on Advanced button. Screen as below screenshot appears.

Screenshot

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 129 of 134

4

Select the Paper Size as PassbookNew1 and Print Quality as 240x216 dots per inch. For other field do same setting as shown in the screenshot. On completion Click on OK. Screen returns back.

5

Right click on Generic IBM Graphics 9pin wide and select “Printer Properties”. A screenshot shown will pop-up with General, Sharing, Devices Setting tabs etc. Click on the “Devices Settings” tab. A screen pops-up as screenshot-6 below.

6

Select the Tractor Feed as PassbookNew1 and Manual Paper feed as PassbookNew1 and click on OK button.

7

After doing the above changes, in the Paper available section of General tab, the PassbookNew1 (newly added paper size appears as shown in the screenshot-5 above.

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 130 of 134

2) PB Printer settings in Finacle: 1 2

Description In IE browser, select the Print -> Page set up On click of Page Setup, A screen appears as the screenshot. Modify the settings as shown in the screenshot. Ensure the Page Size is selected as PassbookNew1 (which is created through “Printer Server Properties”) and Enable Shrink to Fit option is unchecked.

Screenshot

Then click on Change Font. A screen as screenshot-3 below appears.

3

Modify the settings as shown in the screenshot.

A sample passbook may be printed for the first page and the next page for confirmation and verification.

4. More than one Printer settings in one computer: Normally in Post Offices the following printers are used. Printer Type Normally Used for Remarks Dot Matrix Printer Printing of receipts at postal counters for Also used to print reports but speed (DMP) booking of different article other than Savings is slow. Available as 80Col. & Bank work. 136Col. High Speed DMP To print reports. Heavy duty printers and used when & Line Printers pages to be printed are more. Pass Book Used to print Pass Books in Savings Bank Cannot be used for any other Printers counters purpose. Laser Printers Used to print Cash Certificates (KVP / NSC) in Cannot be used at postal counters Savings Bank counters and to print reports. for printing of receipts When more than one printer is installed / connected to one computer (especially in Single Handed Offices) set the DMP used for Printing of receipts at postal counters as “Default Printer”. 5. View Signature & Photo: Signature & Photo of the depositor appears in the screen subject to the condition that (1) Desktop settings is proper (2) required pre-requisites are installed (3) signature available in Sanchay Post is uploaded on migration (4) filled in KYC Forms sent to CBS CBS & the same is scanned & uploaded, then Signature & Photo of the depositor will appear in the screen. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 131 of 134

 Fault Reporting Keep the escalation matrix (address, email IDs, contact telephone Nos. etc) on the following ready. (a) Network Link problem If Network link is not restored within half an hour (maximum) brought this to the notice of the network vendor through email or web base complain system under intimation to DOP Network Operation and all other concerned indicating WEGCODE and contact telephone number of the office. (b) Finacle problem Web Application problem: If Finacle is not restored within half an hour (maximum) brought this to the notice of concerned CBS CPC through email or telephone who will escalate the same to the next higher hierarchy (CBS CEPT, FSI Help Desk, concerned administrative offices). Operational problem & Software bugs: Bring this to the notice of CBS CPC along with screen shot. CBS CPC will analyze and raise Incident ID (will be generated through authorized web program) if solution is not available with CBS CPC. User ID problem: Bring this to the notice of CBS CPC indicating user ID. At present System Administrators of H.Os & Supervisors of each SOL are authorised for CSAC of user for their Home SOL. (At times due to various reasons especially during slowness / unresponsive of Finacle, users remains in logged in condition. Finacle does not allow the said user to log in. Removal of this active user / enabling the user for further login is done by menu shortcut CSAC. But the said command / menu shortcut has been withdrawn from CBS CPC for other than Home SOL.) MPKBY Agent ID problem: Bring this to the notice of CBS CPC indicating Agent ID, user ID, Agent Name (First & last name), license expiry date. Resetting of password may require one to two days. (c)

Anti-Virus problem:

Bring this to the notice of M/s TCS indicating system IP Address.

(d) Computer & IT related Hardware problem: Bring this to the notice of concerned vendor as per his fault booking procedure.

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 132 of 134

SB Orders related to CBS Finacle Sl. No.

SB Order No.

Dte Letter No. & Date

Subject

1

12/2013

113-01/2011-SB Dt.13.11.2013

2

1/2014

114-2/2002-SB(Pt) Dt.06.01.2014

3

2/2014

4

5/2014

5

5/2014

6

8/2014

116-15/2013-SB Dt.17.01.2014 113-01/2011-SB (Vol-II) Dt.24.03.2014 113-01/2011-SB Dt.20.05.2014 6-15/2013-SB Dt.06.08.2014

7

6/2015

25-8/2012-FS(CBS) Dt. 09.06.2015

8

7/2015

116-12/2013-SB Dt. 18.06.2015

9

8/2015

10

9/2015

11

10/2015

113-01/2011-SB (Vol.II) Dt. 10.07.2015 113-01/2011-SB (Vol.II) Dt. 03.09.2015 116-19/2015-SB Dt. 04.09.2015

Change in procedure of payment of commission to SAS / MPKBY Agents and PRSG Leaders in Post Offices to be migrated to Finacle CBS Application Printing of modified Standardised Uniform Savings Bank Pass Book for CBS Post Offices and change in text of information printed in the passbook about Small Savings Scheme Changes in some procedure of POSB in the backdrop of implementation of CBS – regarding – EOD/BOD Changes in statutory Rules of POSB in the backdrop of implementation of CBS - regarding (N.B.: Most important order on CBS in DOP) Addedum- Changes in statutory Rules of POSB in the backdrop of implementation of CBS – regarding Clarifications on different scenarios being faced or likely to be faccd by Post Offices afte r implementation of CBS. Introduction of common Account Opening Form (AOF) for CBS & Non-CBS Post Offices replacing existing SB-3 and Purchase Application Forms of Certificates/KVPs etc regarding Clarifications on different scenarios being faced or likely to be faced by Post Offices after implementation of CBS Enhancement in cash handling limit of authorised agents of small savings scheme & commission to KVP

12

12/2015

113-02/2015-SB Dt. 15.10.2015

13

13/2015

107-02/2007-SB Dt. 09.10.2015

14

14/2015

15

15/2015

116-15/2013-SB (Pt-SBCO) Dt. 19.10.2015 113-02/2015-SB Dt. 26.10.2015

16

17/2015

113-02/2015-SB Dt. 17.12.2015

Premature closure of POTD account before 06months - a clarification Implementation of Pradhan Mantri JeevanJyoti Bima Yojna ( PMJJBY) & Pradhan Mantri Suraksha Bima Yojna( PMSBY) Mandatory use / opening of SB A/c in CBS Post Offices for maintaining/development of relationship of customers with Post Office Savings Bank (POSB) Deduction of TDS under Section 194A of Income Tax Act 1961 (amended by Finance Act 2015) – regarding : TDS is applicable to SCSS Interest in POSB Change of Role of SBCO in the backdrop of implementation of CBS – regarding : Abolition of SOSB at HO & SOSB staff redeployment Mandatory use/opening of Savings Account in CBS post Offtces for maintaining / development of relationship of customers with Post Office Savings Bank (POSB)- further clarification to SB Order No. 12/2015 regarding : Restricted use of office A/c 0382 (Outward cheque Clearing Cr. A/c for new A/c opening) & 0340 (Postmaster’s Cheque A/c). -Do-

Amendment / Later Ref. if any

9/2015

7/2015

8/2014

5/2014

15/2015, 17/2015

12/2015, 17/2015

12/2015, 15/2015

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 133 of 134

Telephone Nos. / email IDs & Escalation sheet related to CBS Finacle, DOP Networking & Anti-Virus

Contact Details CPC (Circle Processing Centre), Designation SPOC, Odisha System Administrator System Administrator

Name , S/Shri Sudhansu Shekhar Tripathy Kedarnath Satapathy Swadhin Behera

Contact No. 9439913805 (Mobile) 9439856782 (Mobile) 9853185184 (Mobile)

Email address [email protected] [email protected] [email protected]

FSI Help Desk, CBS-CEPT, Chennai, ATM Help Desk, Network & Anti-Virus Finacle related issues CPC concerned FSI Help Desk Infosys EOD Team Infosys CBS-CEPT FSI Team DMCC Chennai

18001039474

Dy. Manager, FSI Team, Giriraj Ponnambalam CEPT, Chennai Dy. Director, CEPT V M Sakthivelu ATM Related Issues To provide ATM attach PO information to DTE ATM Help Desk CPC Bangalore Kirtika Kapoor, IP (i/c), CPC, Bangalore

044-28543481 044-28524424, 044-28524482 044-28543481, 09444108080 (M) 09444227090 (M)

For Odisha: [email protected] / [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected]

18004252440; 080-22850173 9480809783 (M), 080-22850173

ATM Call Centre (For ATM transaction issue) ATM Help Desk of M/s Infosys M/s AGS (For ATM site related issue) Network Related Issues Sify Team Odisha Dinesh Mohapatra 9938984984 at O/o CPMG, Odisha Satyabrat Muduli 7894135278 Ashish Dash 9437070701 Sify Helpdesk / Fault 18603458888, Booking – Link problem 044-22540985 NI Support Chennai NI Team Chennai Gurbinder Singh Anti-Virus (AV) & Active Directory (AD) Related Issues Anti-Virus support TCS Ltd. 011-66076755, 022-39189507 DOP representative for Manager, CEPT, AV & AD Mysore

[email protected]

[email protected] [email protected] [email protected]

[email protected]

[email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected]

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------th th CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 134 of 134

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