Frequently Asked Questions

ON
Finacle Core banking Solution
Sl. No. Scheme/Subject Page No.

1 Savings Account Issues 2-7

2 PPF Issues 8-12

3 MIS/SCSS Issues 12-37

4 Recurring Deposit Issues 38-48

5 Agent Portal Issues 49-57

6 Time Deposit Issues 58

7 Certificates NSC/KVP Issues 59-67

8 NSS-87 Issues 68

9 Agent Related Issues 69-72

10 Passbook Issues 73-76

11 Signature View Issues 77-78

12 Clearing (Inward/Outward) Issues 79-93

13 BO Transactions Issues 94-101

14 General Issues 102-125

15 End of Day Issues 126

16 Difference Between Sanchay Post & Finacle 127-136

17 EOD DO and DONTS 137-139

1
1. SAVINGS ACCOUNT ISSUES
(i) How to see balance in SB Account at the time of deposit and withdrawal

Solution:- Please see below screen shot.

Many POs raise the issue of BBT (Balance before transaction) in Finacle like legacy
system. When HTM is invoked, available balance and effective available balance can
be viewed. Effective available balance is the eligible amount of withdrawal.

(ii) What to do when cheque issued in Finacle is presented for withdrawal but not
recognized by Finacle CBS?

Issue noticed in one of CBS Post Office in Account number 0289818958 where
instrument number 805380 was presented.

Solution : When the cheque book is issued through the menu HCHBM, the radio button
Acknowledge should be clicked as Yes. The issue was resolved by acknowledging the
cheque through the menu HCHBM- Function Acknowledge and then verifying using the
function Acknowledge and Verify the same.

(iii) How to convert existing SBGEN (non cheque) account to SBCHQ (cheque account)
?

First the account should be transferred to the SB cheque scheme using the menu
HACXFRSC by PA. Supervisor has to verify the same. Then through the CASBAM
menu option the account should be modified to allow cheques. Again, Supervisor has to
verify the modification.

(iv) Account Not Getting Closed. Error GR3 is coming.

Solution

2
This issue occurs if the account being closed is the interest credit account for some
other account e.g MIS or SCSS or TD account. To check to which account this is
linked, the user can check the transactions in the account being closed in the menu
HACLI. The interest transactions will show the account number to which the account
being closed is linked as shown below
If the closure account is Interest Credit Account, go to Account Modification menu for
that linked account. Change the Interest Credit Account to some other account and
then proceed closing this account.
(v) Dormant SB account closure issue

Dormant means Silent

Issue Reported : Since the SB account being closed is dormant, the account closure
transaction is not verified and gives error.
Solution
The closure process has to be cancelled and the account status to be modified to Live
before closing it.
Steps
a) Cancel the closure operation in HCAAC menu. While cancelling an user info will
be shown that the transaction has to be manually reversed. After the cancel
operation in HCAAC, the transaction has to be deleted in HTM.
b) If the account has to be closed , then after cancelling the transaction in HTM
menu by selecting Modify function thru menu CASBAM.
c) Modify the account status of the SB account from Silent to Live and verify it
d) Close the account now in HCAAC and verify it

(vi) Even after deleting RD Standing Instructions using HSSIM menu, Savings
account is not allowed to close.
After deleting the instruction serial number in teller, same has to be verified in
supervisor. Then only closure can be done.
(vii) Trial closure for SB and PPF accounts

There is no Trial Closure for SB and PPF. However, to see closing interest, following
process is to be followed:-
 It involves two components-Closing accrued Interest for completed months and
balance outstanding in the account.
 To know the closing accrued interest till date (for completed months) the user has to
execute HACACCR menu and see the Report either in HPR or through HAITINQ
menu.

HACACCR menu execution

3
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 as shown in the screen shot
below:

 This will generate a report HPR .

 The closing accrued interest will be arrived after rounding off the amount shown in
HPR to next rupee. The total amount to be paid to depositor will be arrived at by
adding the balance in the account shown in HACLI/HACCBAL Menu option and the
closing accrued interest.
 This amount is to be shown to depositor who wants to close the account. 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 by Supervisor with the remarks on the top that
"This sanction is valid up to last working day of the current month" . Sending the
closing sanction to BO should be avoided in the last week of the month.

(viii) Interest Accrual enquiry using HAITINQ

The interest accrual enquiry can also be done using the Finacle menu HAITINQ. On
navigating the menu HAITINQ and providing the A/C Id., the interest details would be
displayed:

(ix) Dormant (Silent) SB Account closure issues

Issue Reported : Since the SB account being closed is (Silent) dormant, the account
closure transaction is not verified and gives the below error

4
Solution
The closure process has to be cancelled and the account status to be modified to Live
before closing it.
Steps
Cancel the closure operation in HCAAC menu. After the cancel operation in HCAAC,
the transaction has to be deleted in HTM. If the account has to be closed , then after
cancelling the transaction in HTM menu by selecting Modify function. Modify the
account status of the SB account in CASBAM menu from Silent to Live and verify it and
then Close the account in HCAAC and verify it.
(x) SB account closure - Referral Error case
Issue Reported : Referral Error comes up when closure of SB account is attempted.
This occurs whenever the SB account is linked to another TDA (Fixed Deposit type)
account as interest repayment account.
Solution
Before submitting the SB account for closure, a check on the Dependent A/c section in
Closure tab has to be made. The accounts where the SB accounts are linked are shown
in the section as in the below screen shot :

5
If the listed accounts are not closed, then the SB account has to be removed as interest
repayment account from all such accounts. If the listed accounts are already closed,
then the Menu HTDBATCH has to be run for those listed accounts. After all the above
steps are completed the user can retry SB closure

(xi) SB closure - Closure verification error because of non-zero balance

Issue Reported : When verifying the closure of SB account, user faces the error " The
account closure can proceed only if the balance is zero."
Solution:
When account closure is initiated in HCACC, system automatically creates transaction
to debit entire balance on the given SB account and this transaction id is shown in the
result message
The Supervisor has to post and verify this transaction, so that the balance of the
account becomes Zero
If the transaction id is not noted, the same can be found out by listing all transactions of
the account using HFTI and checking the status of the transactions.
Once the transactions are posted and verified and account balance has become zero,
the user can proceed with verification of SB closure.

(xii) SB closure - Closure after Suspension of CIF

Issue Reported : When creating debit transactions on SB accounts whose CIF has been
suspended, the user faces CIF suspended error.
Solution:
Option 1 - Unsuspend the CIF using CMRC and then proceed with the transaction
Option 2 - In case of death claim, proceed directly to closure of SB account using
HCAAC, post and verify the system created transaction and verify closure

(xiii) SB closure - Status in HACLI menu

Issue Reported : For a closed SB account status is shown as active instead of closed in
HACLI menu
Solution:
In HACLI menu the status of the account that is displayed is the status of the account
during closure.
To view the account closure status and account closure date invoke HASFM menu in
inquire mode and click on the flag next to the account id and navigate to additional info
tab. Here user will be able to view the account closure date and status of the account.

6
(xiv) Savings Account Opening/Modification/Transfer Errors SB account opening error
Issue Reported : When opening accounts using CASBAO or transferring account using
HACXFSOL, user faces the error - 'Account Combination already exists'
Solution:
As per POSB Rules, system checks the various combinations of accounts allowed for
that scheme code and Sol. For example. In a SOL, a CIF can have either a single
SBGEN or SBCHQ account, but not both. Check the accounts for that sol using account
searcher in CASBAM by entering the CIF ID and the SOL and procedurally checking the
listed accounts

(xv) SB account modification error related to joint account holders

Issue Reported : When modifying accounts of SBPEN/SBPWC/SBBAS , user may face
the error - ' Only one Joint account holder permitted' or ' No Joint account permitted for
old / widow Pension account'
Solution:
As per POSB Rules, SB pension schemes (SBPEN/SBPWC) can have only one and
SBBAS accounts can have no joint account holder. User has to check the related party
details and make sure that these requirements are met before submitting the
modification

(xvi) SB account Error when transferring account from one scheme to another scheme
Scheme Mismatch Error
Issue Reported : When transferring accounts using HACXFRSC form one SB scheme
to another , user may face the error - 'Scheme Mismatch - Account can't be transferred'
Solution:
As per ruling of POSB, the transfer of SB accounts is possible only between schemes of
the same product group i.e SB Account cannot be transferred to any TD/MIS/SCSS
Account. When destination scheme code belongs to a different product group compared
to the source scheme code, then the error is faced.

7
2. PPF

(i) Loans against PPF account closure. .

Calculation of interest upto closure date and deduction of the interest amount Invoke
CPDTM menu to make Principal repayments
i) Select the tran type/sub type as P - Loan Principal Repayment
Enter the amount of loan principal to be repaid and click on submit and verify the same
if the amount is above Rs.5,000/-.
ii) Invoke the menu CLPR for calculation of interest
iii) Invoke HACINT menu to calculate loan interest (CEPT IT Team to be contacted for
this)
iv) Invoke the menu CPDTM to make Interest repayments
a) Select the tran type/sub type
b)) Select the type as I - Loan Interest Repayment
v) Invoke the menu HCAAC to close the loan account

(ii) PPF Claim closure is not getting initiated in teller login with an error “this work class
is not permitted”.
After updating date of death in CIF, closure menu, HCAAC should be invoked only by
Supervisor. Same can be verified by another supervisor after system generated
withdrawal tran ID is posted and verified. This activity should be performed by Hos only
where there are more than one Supervisor. Therefore PPF claim closure is to be done
at HO only.
(iii) PPF bank transfer closure is not permitting in teller login.

PPF bank transfer out closure has to be initiated by supervisor and transfer proceedings
should be credited to “0322 office account” with a proper closure reason code as Bank
Transfer. This has to be verified by another supervisor. This option should be used by
Hos only where there are more than one Supervisor. Therefore transfer of PPF account
from post office to Bank can be done at HO only.
(iv) How to see balance in PPF Account at the time of deposit and withdrawal

Solution:-
Please see following screen shots where balance is shown in Deposit/Withdrawal
menus after entering account number.

CPWTM - Withdrawal

8
CPDTM - Deposit

(v) What is the menu for extending PPF Account?

Menu for extending PPF Accounts – HCEXTN

(vi) What is the process of PPF Account Closure?

There is no need to make the balance as zero before closure in PPF accounts.
PPF Closure (without loan)
a) Counter PA has to invoke HCAAC menu for closure.
b) Interest for current financial year will be calculated and posted in the PPF
account.
c) System generated transaction ID will be created.
d) Supervisor has to verify the account closure using HCAAC menu.
e) In some cases, when the supervisor tries to verify the account closure, if the Tran
ID (generated in step 3) is in Entered state, then the error message ‘Pending
verification exists for the account’ will be displayed.
f) Tran ID if not noted down in step 3, it has to be obtained from HFTI menu by
selecting the transaction status ‘Entered’ (Tran ID generated against the PFF
account number will be shown).
g) In Counter PA login, in HTM – Modify option, this Tran ID is to be posted.
h) In Supervisor login, in HTM, this Tran ID is to be verified.
i) After verification of the transaction, in HCAAC menu, the closure has to be
verified.

PPF Closure (with loan)

9
 a) Counter PA has to invoke loan repayment using CPDTM menu.
b) Supervisor has to verify the transaction in CPDTM menu.
c) CLPR menu (PROCESS) has to be invoked by Supervisor for processing loan
account.
d) Then, HACINT is to be invoked by CEPT team (at present). On invoking this, the
interest for loan account is calculated and posted in PPF loan account.
e) The loan interest has to be paid through CPDTM menu again, if the PPF account
is not a matured account.
f) The loan interest has to be recovered through CPWTM menu, if the PPF account
is a matured account.
g) Closure of loan account has to be invoked using HCAAC by counter PA.
h) Closure has to be verified by Supervisor using HCAAC menu.
i) For closing PPF account, the procedure for closure of PPF account without loan
has to be followed.

(vii) What is procedure for PPF Account transfer to and from Bank?

PPF – Transfer Out (Bank)

a) Invoke HINTTM menu from Postmaster login for zeroing of interest for the current
financial year.
b) In HINTTM, PPF account number to be entered; From date should be 01-04-
YYYY; Interest table code should be ‘Zero’.
c) Verification has to be done by Supervisor.
d) Closure has to be invoked using HCAAC menu from PA login. Option ‘Transfer’
has to be selected and transfer account id should be Postmaster account (0340).
e) Closure reason should be selected as ‘Transfer to Bank’.
f) Closure has to be verified by Supervisor.

PPF – Transfer In (Bank)

a) Create CIF ID if already not available.

b) Use CPPFAO menu to open a new PPF account. Select the CIF ID and select
the option TRANSFER and enter the old account number.
c) Also enter the correct account open date and enter the maturity date (31-03-
YYYY).
d) Verify the account opening using CPPFAV menu in Supervisor login. Note down
the account number.
e) The text file has to be generated from the excel sheet. Excel sheet should
contain all the transactions of the PPF account and the balance should be
checked.

10
 f) The field 'Financial Year End Balance Identifier' should be selected as YES only
for the last transaction of a financial year. For all other transactions, it should be
selected as NO.
g) The fields 'Transaction Date' / 'Value Date' should be in mm/dd/yyyy format only.
h) Enter the account number created in Finacle and click on Generate File button to
generate the text file. Excel template is attached with this mail.
i) In Counter PA login, select HTRFTOUN menu. Select the text file generated. In
'Destination Directory' field, enter /dop
j) The message 'File uploaded successfully' will be displayed.
k) Then, select CTUPLD menu. Enter the account number and then enter the file
name (enter as it is available). The message 'Data uploaded successfully' will be
displayed.
l) After this process, login as Supervisor and select CTPROC menu. Select 'Verify'
and enter the account number. Transactions will be displayed. Click on SUBMIT.
m) Again login as PA and select CTPROC menu. Select 'Process' and enter the
account number. Transactions will be displayed. Click on SUBMIT. A screen
showing the transaction id details will be displayed.
n) Then, check the current year transactions in HACLI menu and previous year
transactions in CTINQ menu.
o) Before creating the text file, the date format of the system should be changed as
mm/dd/yyyy.

(viii) When PPF Deposit made in wrong account number, what is the process to correct
it?

Deposit made in wrong account number

 Invoke CPWTM menu in Counter PA login
 Add --- 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
 Verify the transaction in Supervisor login

For making the deposit in the correct account number

 Invoke CPDTM menu in Counter PA login
 Add --- C/NR Cash Normal Receipt --- N Normal Contribution
 Enter the Cr. account number (correct PPF account number)
 Enter the correct amount & Submit
 Verify the transaction in Supervisor login

Deposit amount is wrong

 Invoke CPWTM menu in Counter PA login

11
  Add --- C/NP Cash Normal Payment --- N Normal Withdrawal
 Enter the Dr. account number (PPF account number)
 Enter the excess amount deposited
 Enter the report code as "REVRS" & Submit
 Verify the transaction in Supervisor login

(ix) How to handle PPF – Wrong account open date cases.

a) Invoke HINTTM menu from Postmaster login for zeroing of interest for the current
financial year for the PPF account (with wrong open date)
b) Verification has to be done by Supervisor.
c) Use HCAAC menu to close the PPF account (wrong open date) in Counter PA
login. Closure reason should be selected as Transfer to Bank. . Option ‘Transfer’
has to be selected and transfer account id should be Postmaster account (0340).
d) Closure has to be verified by Supervisor.
e) Use CPPFAO menu to open a new PPF account. Select the CIF ID (linked with
the closed PPF account) and select the option TRANSFER and enter the old
account number in account opening screen.
f) Also enter the correct account open date and enter the maturity date (31-03-
YYYY).
g) Verify the account opening using CPPFAV menu in Supervisor login. Note down
the account number.
h) The text file has to be generated from the excel sheet. Excel sheet should
contain all the transactions of the PPF account and the balance should be
checked.
i) The field 'Financial Year End Balance Identifier' should be selected as YES only
for the last transaction of a financial year. For all other transactions, it should be
selected as NO.
j) The fields 'Transaction Date' / 'Value Date' should be in mm/dd/yyyy format only.
k) Enter the account number created in Finacle and click on Generate File button to
generate the text file. Excel template is attached with this mail.
l) In Counter PA login, select HTRFTOUN menu. Select the text file generated. In
'Destination Directory' field, enter /dop
m) The message 'File uploaded successfully' will be displayed.
n) Then, select CTUPLD menu. Enter the account number and then enter the file
name (enter as it is available). The message 'Data uploaded successfully' will be
displayed.
o) After this process, login as Supervisor and select CTPROC menu. Select 'Verify'
and enter the account number. Transactions will be displayed. Click on SUBMIT.
p) Again login as PA and select CTPROC menu. Select 'Process' and enter the
account number. Transactions will be displayed. Click on SUBMIT. A screen
showing the transaction id details will be displayed.
q) Then, check the current year transactions in HACLI menu and previous year
transactions in CTINQ menu.

12
 r) Before creating the text file, the date format of the system should be changed as
mm/dd/yyyy.

3. MIS/SCSS/TD Issues

(i) Whether Reason Code for closure is mandatory to select in all type of closures?

Yes, Reason for closure is critical and mandatory . Hence the selection of reason code
to be selected for all types of closures.
(ii) Before actual closure, is it mandatory to do a trial closure?
Yes, if account closure is done after date of maturity and when closure sanction is to be
issued to any SO or BO, Trial Closure of TD type accounts is mandatory. This will also
be helpful for placing request for issue of Postmaster cheque.
(iii) How to do a Trial Closure of MIS/TD/SCSS
Menu HCAACTD can be used to perform trial closure on MIS/TD/SCSS/Matured
NSC&KVP accounts. As displayed in the screen shots below , the interest amounts
can be viewed at the result page:
(a) Invoke HCAACTD, choose function as L-Trial Closure and provide Account Id.
Click anywhere and wait for the name of depositor to be displayed. Once name is
displayed, tally name with the name mentioned in Passbook so as to confirm that
correct account number is entered. The closure value date and withdrawal amount will
be auto populated by the system.

(b) On clicking GO, the account information tab will display the account details

(c) The closure details such as Close Mode and Repayment A/C ID have to be
provided in the closure tab

(d) The Closure Reason Code (and Closure remarks) have to be provided in Closure
Exception Tab. This is mandatory to enter to get correct closure value.

(e) Once all the details are entered correctly, sclik on ubmit
(f) On Submit , the result page is displayed that will contain all the required information
on the account as well as the interest transactions on the account

(g) Go to menu HPR to see the report wherein net amount to be paid to the customer
will be shown

(h) 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.

13
MIS

(iv) Error “The Mode of Operator for A MINOR can be either 018 or 019” during
Account Modification.

Solution:-
For Minor accounts, mode of operation should be either
018 – Minor A/c Operated by Self
019 – Minor A/c Operated by Guardian

SCSS

Error thrown while modifying 15H in SCSS modification

(v) “If main holder is Male, spouse should be Female in the CIF ID and vice versa” while
updating 15H form in SCSS modification

CIF for all the existing accounts are generated during migration. Date of birth is
defaulted as “01/07/1960” and Gender as “OTHERS” as these two data are not
maintained in Sanchay Post. Post migration, operators to modify the date of birth and
also the gender by invoking the menu CMRC before modifying 15H in SCS Modification.

(vi) While closing SCSS Accounts prematurely, Penal fee is not getting deducted.

a) Check whether correct Closure Reason Code is selected. If “death closure” is

selected under “Closure Exceptions” tab, Penal fee will not be deducted.
b) “Collect Penal Int” field is to be selected.

(vii) How to handle SCSS Death Closure within lock up period?

SCSS death closure can be done only at HO. When death is reported, first of all, date of
death is to be entered in CIF Modification menu and verified by the Supervisor. After
sanction of death claim case, account closure form alongwith Passbook is to be sent to
HO (if account stands at SO). . Only Supervisor of HPO can close the account by
following the process given below and Postmaster of HPO has to verify the transaction:-

a). First Supervisor has to invoke HINTTM menu and give the SCSS account number
and choose SBRATE and give start date as Date of death and Verifier can verify the
same record.
This is done to ensure until date of death, SCSS rate is given to customer and from date
of death till date only SB rate will be given to customer.

14
b) After HINTTM verification, user can invoke HCAACTD and system will automatically
change the closure value date and user has to apply mind and change the reason code
as "DEATH" to ensure no penalty is applied to this account.
(viii) How to Refund TDS when wrongly deducted

As and when it is found that TDS is wrongly deducted, following process should be
followed to refund TDS:-

Write an error in the Error Book showing detail of account number and amount of TDS
wrongly deducted. Go to HRFTDS menu and enter the SCSS account ID in the field”
From A/c ID & To A/c ID” and select trantype as Transfer. Cash option should not be
used in trantype. On clicking GO, the TDS amount deducted will be shown. In the
“Refund A/c ID” field, enter the customer's SB a/c if customer has savings account in
any CBS post office or if customer wants cash to be paid, enter office account 0340 and
pay cash. In the evening, show this amount as TDS Refund in the daily account or cash
book.

Note 1:- Refund has to be made only before submission of tax returns by respective
HOs. No TDS refund should be made after remitting TDS to IT Department. Customers
can get reimbursement only from IT department after filing returns.

Note 2:- that 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.

(ix) MIS and SCSS/TD interests are not getting paid from sundry even though there is
proper interest outflow in HTDTRAN menu or Interest Amount not fetched in HTM.

a) Please check the accounts in HTDTRAN whether interest posting for the quarter has
happened on 30/06/2014 BOD. If the interest is paid to the SB account of the customer,
it will not be available in HTM.

b) If Interest Posting entry is not shown, then check whether any verification is pending
in these accounts in CSCAM/CMISAM menu and do the verification. Interest will get
posted during the next EOD.

c) Also, check the EOD reports (in the HPR of the user who ran HSCOLD menu on
28/06/2014) and check for "Interest Application Failure Reports" which should contain
the list of accounts for which interest could not be posted and the reason thereof.

This is mainly due to faulty process of interest payment from sundry account by
mentioning wrong MIS or SCSS accounts in reference number column in the additional
part transaction screen. Further, in the start and end amount field, no amount is to be
entered in additional part transaction details screen.

15
After making sure of interest posting in HTDTRAN, use HFTI menu to check whether
the interest amount is already paid. The filters to be filled in HFTI are:
 A/c id: SUNDRY ACCOUNT NUMBER (335/337/338)
 Reference No.: MIS account number
 From date: Interest posted date (interest due date / interest posted date as
shown in HTDTRAN)
 To date: Current date
 Click on “GO”

This will list all the transactions w.r.t the account entered in Reference Number

(x) MIS, SCSS or TD Interest not credited to MIS/SCSS/TD sundry accounts or

customer’s SB Accounts

Interest not credited to Sundry or SB accounts for TDA products is mostly due to
unverified audit transactions. Same can be checked in supervisor level by invoking
HAFI menu. After verifying it, interest will be credited after EOD. HIOT (before migration
interest) and HTDTRAN should be checked for knowing interest outflow.
(xi) SCSS Interest amount differs.

It is mainly because of deduction of Tax at source. For those accounts without PAN
Card 20% tax will be deducted and accounts with PAN Card and without 15G or 15H,
10% tax will be deducted. Availability of the PAN Card can be checked at CIF level.
Any Modification done in the CIF level as regards Income proof has to be verified by the
Supervisor.
(xii). Difference in MIS & SCSS interest in First month/quarter after migration.

This issue is being raised by many post offices.

SCSS
When any office is migrated to CBS, while generating interest for the first quarter after
migration, one day’s interest is deducted by Finacle from the due quarterly interest. This
interest belong to the day of account opening given by Sanchay Post. This one day
interest will be paid on the day of closure by Finacle. This is happening due to
fundamental difference between Sanchay Post and Finacle. Sanchay Post is paying
interest for the day of account opening and not for the day of closure e.g account
opened on 3.4.2013 will be matured in Sanchay Post on 3.4.2018. Sanchay Post will
pay interest from 3.4.2013 to 2.4.2018 and payment will be made on 3.4.2018.In
Finacle, with same example, interest will be calculated and paid from 4.4.2013 to
3.4.2018 and payment will be made on 3.4.2018. Total interest in both the cases will be
same. When account is opened in Sanchay Post and closed in Finacle, one day’s

16
interest will be paid extra. Therefore, this extra interest is being deducted in Finacle
during first payment after migration
SCSS/MIS
In Sanchaya, rounding off was being done every quarter/month to the higher side of a
rupee if interest is in 50 paisa or more but 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.
For migrated MIS Accounts, Finacle is calculating interest on basis of number of days in
a month from the date of opening of account.
Due to this, interest is not calculating equally for every month. This issue has been
taken up with Infosys for correction. Till it is rectified, customer should be convinced that
less interest credited/paid if any will be adjusted during next month.
Sanchay Post interest paid details can be known by invoking menu TIPM. Unpaid
interest in Sanchay Post can be viewed in HIOT and interest calculated after migration
can be viewed through HTDTRAN.
Sample Calculation of Interest in Finacle

1) Sanchay Post calculates interest from the date of opening till the date prior to
maturity date. Example account - 0494076240, Sanchay Post calculates interest
30/09/2009-29/09/2014. No interest is paid for 30/09/2014. Finacle calculates interest
from the next day of opening till the date of maturity. In this case from 01/10/2009-
30/09/2014. So, the first interest payment of Rs.24/- is excess.

2) Sanchay Post rounds off the interest amount during every quarter; in this case
Rs.2227.5 is rounded off as Rs.2228. Finacle does the rounding off / flooring off on
such accounts on alternative quarters. Please view the Flow tab for this account for
more clarity.

3) For broken periods, Finacle calculates interest as follows (Eg. account-

0494079867):
Quarterly amount / 3 => 2227.5/3 = 742.5
(Monthly amount / number of days in the month) * number of interest-eligible days =>
(742.5/31)*21 = 502.98 rounded off to 503.

4) This amount is also visible in the Flow tab of the account.

So, the interest amount depends not only on the principal amount but also on the
date of opening and the number of days in the month.

17
(xiii) How to handle Withdrawal of Excess amount from MIS Account in case of death of
one of joint holder where amount invested is more than the prescribed limit for single
holder.?

In case of Joint MIS Account where one of the joint holder dies and the investment in
the account(s) is more than the MIS investment limit fixed for single holder, following
process has to be followed:-

The user needs to withdraw the excess amount by selecting part closure in the menu
HCAACTD.
Once HCAACTD is invoked the user needs to enter the date of death of the holder in
closure value date and excess amount to be withdrawn in the withdrawn amount field.
Once the user goes into the closure details page of the menu HCAACTD, Collect penal
flag has to be chosen as ‘No’ and in closure exceptions tab, closure reason code has to
be selected as ‘DTCLM’. E.g. Date of closure when legal heir asks for removal of name
of joint holder due to death = 10-10-2013. Date of death - 7-7-2013. So in the closure
value date, the user will enter date as 7-7-2013.In the above scenario, conversion has
to be done at account level from joint to single as well.

For this the following steps need to be followed once part closure is done at
HCAACTD:-

If the deceased share holder is not the main holder of the account then in the menu
CMISAM, the deceased share holder has to be marked as deleted.
If the deceased share holder is main holder of the account, then user needs to 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 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. (In Finacle, First Holder is the
main Holder)

(xiv) 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.

The Counter PA or Supervisor or Postmaster should politely request the Account holder
that since CBS has been implemented in the office, where he wants to transfer
Accounts, there is no need for transfer of Accounts as he/she, on maturity, can take
payment from any CBS Post Office after giving fresh KYC documents. Whenever any
account is closed at the office other than the office where account was opened,
payment should not be made by cash in any case and payment should either be made
by crossed cheque or credit to savings account (where required KYC documents have

18
been taken). Monthly/quarterly or Yearly interest can also be withdrawn at any CBS
Post Office.
(xv) When Account Holder of MIS/SCSS/TD scheme approaches any CBS Post Office
for taking interest or closing accounts.

The Counter PA should first go to HACLI and see that Account(s) are genuine and
stand in Finacle. He/She will verify signatures of the holder(s) on the withdrawal Form or
Account Closure Form with that available in Finacle. Once, it is confirmed from the
signatures that holder is genuine, payment of interest should be made to the account
holder as per process being followed for normal withdrawal. If account closure is
requested, take SB10(b) form, fresh ID as well as Address Proof. After proper
verification of KYC documents, Accounts(s) first to be transferred IN by using
HACXFSOL. 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 and
payment should either be made by crossed cheque or credit to savings account (where
required KYC documents have been taken) only. If holder wants re-investment, closing
proceeds should be transferred to Re-investment office account (0387) and credit re-
invested amount into newly opened account/certificate. Remaining amount can either
be credited to savings account or paid back by cheque.
SB10(b) and KYC documents should be sent to CPC of the office where payment is
being made. CPC will scan the document and attach the same with CIF.
(xvi) When any claimant presents documents for preferring claim 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) in the name of
claimant.

Date should be noted in the relevant field in CIF of deceased depositor. Follow the
procedure laid down for settlement of deceased claim case. After sanction of claim,
follow the procedure mentioned in scenario 5 above. If claimant wants to transfer
RD/TD/SCSS account in his/her name, open new CIF (based on new Account Opening
Form (AOF)} 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 sent to CPC of the office where payment is being made or claim is
sanctioned. CPC will scan the document and attach the same with CIF.
(xvii) TDS is being deducted even after entering 15G or 15H forms.

This happened because while entering 15G or 15H, users have not changes status of
Tax as No Tax. There are certain cases where this has happened when 15G or 15H
was entered before end of April 2014. In such cases, user has to go to FIF modification

19
and just click on submit. Status will be changed to No Tax. In future, this problem has
been resolved.
ISSUES RELATING TO MIS/TD/SCSS INTEREST
(xviii) Sample Issue Reported: The interest is not generated for MIS/TD/SCSS account
Solution:- Following process should to be followed by the user:
Check the next interest run date using HAINTINQ

If the next interest run date is less than current date, then check if there is any pending
modifications of the account by trying to cancel or verify the account. Check in HAFI
menu for the latest modification on the accounts. Cancel or verify the same and request
DOP IT/CEPT team to run HACINT for this account. If the next interest run date is
greater than current date, then check in HTDTRAN if the interest has run for the month?
If there is no record for the month, then check the net interest credited for the account
till date using HAITINQ. Compare the above figure against the net interest expected till
date (expected interest can be viewed in flow details tab of account modification menu
or HTDINT). If the numbers match, then the expected interest amount has already been
generated and hence no interest run happened.
(xix) Unable to pay MIS/TD/SCSS interest amount
Issue Reported: Unable to pay MIS/TD/SCSS interest amount from Sundry Account
Solution: Following process to be followed by the user:
Check the interest amount generated and interest already paid using HTM :
HTM --> Add --> C/NP --> Sundry account as Account Id --> any amount --> Click on
Additional part tran details --> Go

20
Give no values to Start and End amounts, and no values to Start and End Date -->Filter
as Select-->Ref No as MIS Account Number--> Submit

The interest generated amount will be displayed under 'Tran. Amt.' and interest paid to
the customer will be displayed under 'Reversed Amt.'

If a generated interest has already been paid to the customer, that reversal transaction
can be viewed by clicking on the icon under 'Contra Tran Details' :

21
The 'Contra Part Transactions List' window gives the transaction details. By Clicking on
the icon under the first Column, further details of the reversal transaction can be
obtained:

22
If the interest amount generated is not reversed, then the user may payout the
generated interest amount

(xx) Value Date should be prior to the responding Date

Issue Reported :The teller has tried to withdraw interest from HTM and it shows error
"Unable to debit. The value date should be prior to the responding date"

Solution:
This Error Occurs when ever user is trying to withdraw interest amount from sundry
account by reversing the interest credit transaction of MIS/TD/SCSS account prior to the
value date of the Interest credit transaction. Hence please check the value date of the
Interest credit transaction in HTDTRAN menu.
System will allow to withdraw interest amount on or after the value date of the interest
credit transaction.

Inquire Tran value date in HTDTRAN.

23
(xxi) Wrongly Deposited in TD/MIS/SCSS Sundry account
Issue Reported: During interest payment from MIS/TD/SCSS sundry account to
SB account by mistake user has debited SB account and credited Sundry account. Now
how to withdraw this credited amount from Sundry account.

24
Solution:
Here we have to reverse the correct transaction.
1.Invoke HTM menu and give debit account as MIS/TD/SCSS Sundry account

2. Go to Additional Part tran details screen

25
Change Filter to "SELECT" and give Start date and end as Tran date of Sundry credit
transaction date and then click on Go then it will fetch all transactions of given amount
and date.

Click on Tran Details look up to cross check the transactions details.If this is the Sundry
credit transaction then reverse the transaction and pay to the customer.

26
(xxii) Error During Interest payout through Cash Mode in HTM
Issue Reported:User is not able to do a Cash/Cash Transfer transaction and getting
error

27
Solution:
Only teller can do a Cash/Cash Transfer transaction in HTM menu. Please try with teller
who has linked with CASH account.
If cash account is not linked to the teller then it can be checked in HGECM menu. This
menu is available with CEPT Team only. For this, contact CEPT Team.
(xxiii) MIS/SCSS/TD Account Closure issues

Issue Reported: During closure of TDA type accounts user are not able to verify the
closure and facing below error

28
Solution
The closure process has to be cancelled in HCAACVTD. User has to give the
repayment account in closure details tab which is opened on or before the closure value
date in HCAACTD. Here, enter only that savings Account which has been opened prior
to the value date.

(xxiv) Less PMI /Over due interest has been paid by the system
Issue Reported: Less PMI /Over Due Interest has paid for MIS/SCSS/TD matured
accounts.
Solution: PMI Calculation of SCSS/MIS/TD Accounts

PMI/Over due Interest is applicable for Completed months after Maturity .

Exapmle: SCSS Account 0056584684 was matured on 17-Feb-2015 . This account
was closed on 25-Aug-2015 with Closure Value date as 17-Aug-2015.
PMI/Overdue calculated by the system is - 5951.00

29
Overdue/PMI Calculation:
Total Number of completed months between maturity date and closure value date is
given below.
18-feb-2015 to 17-Mar-2015 - 1 Month
18-Mar-2015 to 17-Apr-2015 - 2 Month
18-Apr-2015 to 17-May-2015 - 3 Month
18-Jun-2015 to 17-Jul-2015 - 4 Month
18-Jul-2015 to 17-Aug-2015 - 5 Month

Now total number of days between 18-Feb-2015(Matuirty Date +1) and 17-Aug-2015.
Here total number of days between 18-feb-2015 and 17-aug-2015 is 181
PMI = PNR/100 = 300000*4*181/35600 = 5950.68 = 5951/-.
This is how system calculates PMI.
(xxv) Matured account closure issues

Issue Reported : Not able do closure of SCSS/MIS/TD account and getting error
Overdue deposit or Interest or Tax deducted at source is not upto date

Solution:
This error occurs during closure of a matured account if there is any pending interest
run for the given account. Please check 2.5.1 MIS/TD/SCSS Interest not generated
section for pending interest run.

30
(xxvi). MIS/TD/SCSS Interest pay-out issue from other sol sundry accounts

Issue Reported: During pay-out of interest for TDA type accounts whenever they
try to pay the interest from the sundry account of other sol they get the error
“This office account can only be inquired from other SOLs” and gets the below
error

Solution
1. Contact the CEPT team to do the sol switch to that sundry account sol using HCCS.
2. Once sol switch is done then debit sundry account of that sol using HTM menu

(xxvii) . Tax deduction (TDS) issues for SCSS accounts

Issue Reported: TDS is deducted even after attaching 15H/15G form and Tax
category is N-No Tax.
Solution
Inquire for that account in CSCAM menu and check for Tax Form and Tax Category. If
Tax Form is 15G or 15H and Tax Category is N- No tax then go to step 2. Otherwise the
TDS will get deducted for the account as there is no tax form marked for the account.

31
Check in HAFI menu for the latest modification on the accounts where table is GAM or
GAC. Click on view details tab.

Check for changes done for GAM and GAC by clicking again on view details tab. If
Authorized On/By is greater than interest transaction date then TDS is deducted as Tax
form and Tax category was attached after the interest run.

32
(xxviii) MIS/TD/SCSS Account opening issues

Issue Reported: MIS/TD/SCSS account opened with wrong date by mistake,

account opening date to be changed
Solution:
Once account has been opened and funded, account opening date and corresponding
interest flows cannot be changed
The wrongly opened account has to be closed after taken permission from Divisional
Head. Amount of closure should be credited to Office Account 0340 and new account
opened with same CIF ID with correct value date and funded with same amount from
office account 0340.

(xxix) CIF ID of savings account different from MIS.

Issue Reported: While attaching Interest credit account or Repayment account to
MIS/TD account in CMISAM/CMISAOP/CMISAOPM getting error "M10 CIF ID OFF
SAVINGS ACCOUNT DIFFERENT FROM MIS"

33
Solution:
This issue occurs when ever value given for Interest credit account or Repayment
account during account creation (CMISAOP) or during account modification (CMISAM)
does not belong to the main holder of MIS/TD account. Hence we have to give SB
account which belongs to the main holder of MIS/TD account.
(xxx) Difference in closure proceeding of MIS account
During closure of MIS account interest paid is recovered wrongly.

34
Solution: Interest run happened till dec-2014 but during closure user has given closure
value date as 01-Nov-2014 instead of 01-dec-2014. Hence as per closure excess
credited interest(month of Nov) has been adjusted.

35
(xxxi) Account opening issues
Issue Reported: While opening account in any scheme users are getting error as
"The customer record is not entered through HCCFM menu option".

36
Solution:
User has to visit the details page of CMRC for the CIF ID with which account needs to
be created to create entry into HCCFM if does not exist. No need to submit the CMRC
screen. After visiting to details page, try to create an account. If still error comes raise a
ticket in Meops.

(xxxii) MIS or SCSS or TD Account closure issues

Solution
This issue occurs if the account being closed is the interest credit account for some
other account e.g MIS or SCSS or TD account. To check to which account this is linked,
the user can check the transactions in the account being closed in the menu HACLI.
The interest transactions will show the account number to which the account being
closed is linked as shown below
If the closure account is Interest Credit Account, go to Account Modification menu for
that linked account. Change the Interest Credit Account to some other account and then
proceed closing this account.

37
4. RD Issues.

(i) RD Premature Closure when requested within 3 years

Counter PA should be careful while closing RD account. System will THROW

EXCEPTION if the RD account is closed within the lock in period and if exception is
accepted, it will allow premature closure. Therefore, Counter PA should not accept the
EXCEPTION and should not proceed further. If EXCEPTION is accepted, Counter PA
will be responsible for closure.
(ii) Death Closure of RD products

During closure of RD once the customer dies, the user will have to update Date of death
in CIF after marking as "Deceased" and then invoke the menu CRDCAAC and select
death closure as ‘Yes’ and then select whether PSS closure is applicable or not. Date of
death will automatically be taken from CIF.
(iii) Is it possible to waive the default fee for defaulted RD accounts in Finacle?

Solution: No. Finacle will automatically calculate the default fee. It is not possible to
waive the default fee.
(iv) Can RD accounts be extended?

Solution: Extension is automatic in Finacle on the day of maturity. On the day of

maturity, during EOD, eligible RD accounts where 60 months intallments are deposited
will be extended for a further period of 60 months. If any account is missed, it can also
be extended manually using PRDCM menu
(v) Can the maturity date deferred

Solution: Customer has the liberty to have maximum of 4 defaults on the day of
maturity. Maturity date can be deferred equivalent to the number of defaults using the
menu PMDDRD(Maturity Date Deferment for Recurring Deposit). During the deferred
period, defaults deposits can be paid without default fee.
(vi) In case if there are cases of default and rebate in account, cheque should be
prepared for what amount.

Solution: In case if the monthly deposit is Rs.1000/- and there is a default of Rs.10/-
(one month default) and the customer is to pay for 7 monthly deposits to get rebate of
Rs.100/-. Total cheque amount should be
Total 7 months deposit – 7 x 1000 – Rs.7000
Default - Rs.10
Rebate - Rs.100

Total cheque amount - 7000+10-100=6910

38
(vii) Is it mandatory to open RD Loan account separately for taking half withdrawal

For Half Withdrawal, RD Loan accounts needs to be opened in Finacle. Corresponding

RD account will be collateral for this RD Loan account. RD Loan account number will be
the same RD account number but suffixed by “1”. If RD Loan Principal is outstanding
during migration, RD Loan account will be created automatically.
(viii) Whether RD Loan account number will be created during migration if RD
PRINCIPAL IF FULLY PAID and Interest is pending or partially paid

No. RD Loan account will not be created if the RD Loan Principal is fully paid. For RD
Loan interest, LIEN will be marked for the corresponding RD account. Before closure,
LIEN amount should be collected and LIEN to be removed by invoking the menu HALM.
(ix) Can the RD account be closed without closing the RD Loan Account?

No. RD accounts cannot be closed without closing the Loan account as this RD is
marked as COLLATERAL for the RD Loan accounts.
(x) Can the RD account be transferred without transferring the RD Loan account?

solution -RD Account can be transferred only when loan account is closed.
(xi) What is the Procedure of RD account closure when RD Loan was taken?

Premature Closure

Invoke the RD Closure menu CRDCAAC from Operator Login. System will automatically
deduct the RD Loan amount and interest will be calculated on SB Rate of interest as per
rule. Loan interest will not be calculated. RD Loan account balance will become 0 but
will not be closed. Loan account with Zero balance should be remained as it is and not
closed. No need to invoke HLAUPAY or HPAYOFF for repaying the Loan amount.
On Maturity

RD Loan amount should be adjusted before closing the RD account. Invoke the menu
HPAYOFF (Loan Pay Off Process) to pay the pending principal along with interest.
Interest will be calculated at the prescribed rate. Total amount displayed to be collected
from the customer. In case of transfer, select the repayment account of customer or
office account from where the loan amount is adjusted. Supervisor need to verify the
same. Invoke the menu HCAAC to close the RD Loan account and verify the same.
Invoke the menu CRDAAC to close the RD Account.
(xii) Can the loan amount be less than 50% of sanctioned amount?

While opening Loan Account invoking menu CAOLARD, 50% of RD balance will be
sanctioned. But the operator has the option to modify (reduce) the sanction amount but

39
the amount should be in multiples of Rs.5/- but sanctioned amount cannot be increased.
LARDD menu to be invoked to disburse the loan amount.
(xiii) Is it mandatory that RD Loan amount to be accompanied with RD monthly deposit?

No. As per existing rule, RD Loan cannot be made without depositing the monthly
deposits. But, in CBS Post Offices, since RD Loan is separate account in Finacle,
system will allow you to pay only the RD Loan amount without paying the monthly
deposits.
(xiv) Will system allow Loan / Half withdrawal in extended period?

Yes. As per rule, only one Half withdrawal ie Loan is allowed in the entire life term of RD
account ie 60 months if the account satisfies the eligibility conditions.
(xv) Why Default fee is displayed even after paying the current month deposit?

This is common complaint made by Post Offices. In Finacle there is no concept of

“PAID FOR THE MONTH OF” like in Sanchay Post. From account open date to current
month, number of months will be calculated and if the number of months paid is less
than the number of months to be paid, then system will consider it as DEFAULT. In
case if there are gaps in between ie intermittent gaps in sanchay post ie for eg - 3
intermittent defaults, Finacle will push all the deposits and last three months will be
shown as default even though the current month deposit has been made. Therefore,
ask the customer to pay first for the defaulted month.
(xvi) How Default fee is calculated in Finacle?

In Finacle Default fee will be calculated as per the new Default Fee structure as per
recently modified rate ie 5 paisa for every 5 rupees and Re.1/- for Rs.100/- deposit
instead of Rs.2/-
(xvii) Can the current month deposit be paid without paying the defaulted instalment or
without paying the default fee?

No. Current month deposit cannot be paid without paying the defaulted instalment.
Default fee also cannot be waived. Only in case of Maturity deferred cases, defaulted
instalments can be paid without default fee in the deferred period.
(xviii) Error “A time stamp error occurred” during RD account closure?

This is happening due to Verification pending for some modification made in the
respective account. Verify the account by invoking the menu CRDACM by supervisor
and then proceed for closure.
(xix) Error “Parent record does not exist for the record 0000123456” during bulk posting
by invoking the menu HAGTXP.

40
This happening due to following reason:-
When single cheque is given for multiple RD accounts,
(a) cheque number will be available in first record under the field “CHEQUE NO. FOR
RD INSTALMENT” in HAGTXP menu.

(b) For all other accounts linked to this cheque, the cheque number will be available in
the field “CHEQUE Remarks”

(c) Ready for Posting flag should not be removed for the record which has “Cheque No.
for RD instalment” (a) If this record is removed, balance records will fail with above
error.

(xx) Error “E4221 while closing Loan account?

Solution
The above error occurs when the balance is not zero for the loan account. This means
that payoff has not been done for the account. Please complete the payoff process and
then close the loan account
(xxi) Error P39 coming in RD loan account payoff done through cash receipt

This error will be thrown in offices migrated in the middle of the month. (ie on or after
2nd)
In case of Loan Disbursement or Loan Repayment, the value date will be automatically
changed to 01st of the month as interest is calculated from the 1 st of the month for loans.
As Cash account of that office will not be available as on 1 st (since the office has
migrated in the middle of the month) this error is thrown in Supervisor while verification.
This error will be thrown only in the month of migration and from 2 nd month cash mode
can be used for repayment or disbursement.
Workaround to overcome this error
“In case of Loan disbursement – Instead of Cash (even if it is below Rs.20,000) select
Transfer and show RD Loan Disbursement office account (Account number ending with
323) and pay by cheque or cash from this office account. ( CTM menu is to be used for
this )
In case of Loan repayment – Instead of repaying through cash accept loan repayment
through Transfer. Transfer can be from RD Loan Repayment office Account (Account
number ending with 323) or SB account of customer (if available) (CTM Menu to be
used for this).
(xxii) Why RD SI executing after EOD of 15th?

41
While configuring standing instructions of SB to RD, option should be selected as (B)
i.e. After change of Date. Otherwise, SI execution will happen after EOD of 15 th.
(xxiii) How to execute RD Trial Closure:-

For invoking Trial Closure of RD account, user has to invoke CRDAAC menu. Select,
trial closure and go to HPR to see amount to be paid after closure.
Customer should be told about the amount of interest and if he agrees, fill up amount in
SB7A and get the signatures of customer on receipt portion. After that, actual closure
should be invoked.
In case, SB7A is received from BO alongwith Passbook for sanction, amount of
principle and interest should be entered on the Warrant of Payment Side under
signatures of APM/SPM and a remark on the top of the SB7A should be written as
"Sanction Valid till last working day of the month only". Other procedure as laid down in
BO Procedure document should be followed
(xxiv) Issue Reported : When the user tried to invoke HAGTXP menu in Modify
mode, an error is displayed as “Invalid Agent Type and Scheme Code
Combination”.

Solution : SAS type of Agents do not have access to post RD bulk posting. The Agent
Type for that particular Agent ID needs to be modified as either PRS or MPB in
HDSAMM menu. Post this modification, user will be able to do posting in HAGTXP
menu. Appropriate Agent ID need to be modified as the commission structure differs for
both.

(xxv) The withdrawal amount exceeds the difference between the principal and lien
amount:

42
Solution :
This issue occurs when there is a lien placed at the account which is being closed. This
lien can be seen in the menu HALM. The lien has to be removed by making the expiry
date as System Date and then the closure should be done.
(xxvi) - The cash account for the entered currency is not available.
Cause: The above error will occur when the user is not a teller and trying to do the
CASH type of transaction.
Solution: Contact CEPT Team to attach the CASH account to the user to make him
teller or proceed with transfer type of transaction.

(xxxvii) RD Modification (CRDACM):

ERROR:- E4927 - acctCommonInfo.acctGeneralInfo.acctBasic.foracid----Cannot
perform the requested operation. Account Maintenance Modification Pending
verification.

43
Cause: The above error will occur when the user is trying to modify an account which is
already modified but pending for verification.
Solution: Verify the previous modification before doing any other modification.
(xxviii) ERROR:- E4221 - Document Due Date should be less than maturity
date

Cause: Document due date entered is more than maturity date.

Solution: Document due date should be between account open date and maturity date.

44
(xxix) RD Payment (CRDP):
Credit account is in Invalid status or total dormant

Cause: The above error will occur when the user is trying to do transaction on an
account which is frozen due to non payment of installments.
Solution: Ideally payment should not be accepted for these account. If still payment
need to be processed, check the pending installments in HPLIST and refer the issue to
Divisional Head to get approval to unfreeze the account. After getting approval, account
can be unfreezed through HAFSM and deposit can be accepted. Deposit voucher
should be accompanied by Sanction of Divisional Head otherwise, objection will be
raised by SBCO and officials accepting deposits without sanction will be held
responsible.
Error: - Transaction is not allowed on matured Deposits
Cause: The above error will occur when the user is trying to do transaction on the
account which is already matured.
Solution: Ideally payment should not be processed on matured account. If depositor
requests in writing to extend maturity date and ready to pay further instalments without
default fee, defer the maturity date in PMDDRD menu and then accept deposits.
Maturity date can be extended for maximum of 4 months only.

45
(xxx) RD Closure (CRDCAAC):
RD Acct was successfully closed by the CPA, while verifying the record from
Supervisor it showing an error "An unverified record exists for the
[0983523996].The account cannot be closed

Solution:- A loan account was opened for the mentioned RD account which is not yet
verified. Please cancel the loan account creation in CAOLARDV to proceed with RD
account closure
(xxxi) RD Maturity Date Falls on a Holiday and user wants to close the previous
day.
In this case, Finacle will consider this as a Premature Closure and Full interest will not
be paid. Hence user should always be cautious and wait for Maturity Date to be over for
closing the account. User should close the account only on the next day of Maturity date
(xxxii) CMSG001051 - Lien Exists on the account
Cause: The above error will occur when there is an unpaid loan exists on the RD
account.
Solution: Loan needs to paid first through HPAYOFF or HLAUPAY and then only RD
closure can be processed.
Note: This error is not applicable in case of premature closure as the system will
automatically deduct the loan from RD proceedings.
(xxxiii) Error - A time stamp error occurred.
Cause: The above error will occur when the account closure is happening on an
account which is modified and not verified.

46
Solution: The account modification need to be verified or cancelled through CRDACM
before closing.
(xxxiv) If user is not able to verify or modify through CRDACM menu (When
he tries to modify/cancel the modifications in CRDACM, the cursor automatically
switches to Modify mode every time account no is entered and user gets the
below mentioned error) like in below screenshot.

Solution:-The issue is because CIF ID of the mentioned account has been suspended
and modifications are pending for verification in CRDACM. The steps to be followed
are:-
Unsuspend the CIF ID in CMRC and verify it.
Verify/Cancel the modifications in CRDACM for that account.
Suspend the CIF ID again in CMRC and verify.
Proceed with death closure in CRDCAAC.

(xxxv) ERROR:- CMSG000095 - Advance Payments exists for this account

Cause: The above error will occur when there are advance payments exists on the
account.
Solution: As per PORD Rules, account cannot be closed prematurely if advance
deposits are made. Account can be closed only after the date till advance payments are
paid. Till then account cannot be closed.

(xxxvi) ERROR: - Closure pending on SI for the account

Cause: The above error occurs when the user trying to close an account on which
Standing Instruction (SI) is placed.
Solution: SI need to be removed in HSIM menu to proceed with RD closure.

47
(xxxvii) ERROR:- Close failed for undefined reason OR Scheme validation
failed.
Cause: The above error will occur when the Repayment A/c. ID is silent or frozen which
will not accept any credit.
Solution: Either the mentioned repayment account need to be changed to Active or
cancel the closure and use any other account as Repayment A/c. ID.

(xxxviii) RD Extension (PRDCM):

W0205 - Continuation is not allowed as there are pending installments for this A/c.

Cause: The above error will occur when the user is trying to extend the account for
which there are pending installments.
Solution: Check the pending installments in HPLIST. If there are pending installments,
extension is not possible. Most of the cases user is trying to extend the accounts which
are already extended. That time also the same error will occur.

48
5. AGENT PORTAL

(i) What is the procedure to get eBanking User Id and Password?

Solution: eBanking user ID and Password will be forwarded on the day of migration by
DMCC team only for agents (MPKBY/SAS/PRSS) who were linked with SB account in
Sanchay Post. For agents created in Finacle after migration , DSA ID along with SOL ID
and other mandatory details should be sent to fsihelpdesk for generation of eBanking
User Id and Password.

(ii) eBanking user Id and Password created in wrong name.

Solution: eBanking user id and password will be generated in the name of the Primary
(First) account holder of the linked SB commission credit account. Suppose an MPKBY
agent Kala has linked Joint Account as commission credit account with Primary(First)
account holder name as Ravi, eBanking user id will be generated in the name of RAVI
only and not in the name of Kala. This will not have any effect anywhere. If the agent
wants eBanking User Id generated in their own name, either single account should be
given as commission credit account or their name should be primary account holder in
Joint accounts. This is added as a discrepancy in DBA Plus

(iii) Unable to Login. Please try again or contact bank for more details – Agent Portal

Solution: Either the user name / password is incorrect or Agent portal not functioning.
Agent portal will not function when the Finacle Core is down

(iv) What to do when Agents User ID and password is locked due to wrong entry of
password for more than ten times.

Solution: Password will get locked if entered wrongly for 10 times. Agent should
contact their respective Post office and in turn PO will raise a request to CPC who in
turn will raise ticket with FSIhelpdesk with details of DSA ID and SOL ID to get the
password reset for the agents. Agents should not contact Help Desk directly.

(v) Whether SAS agents can use Agent Portal?

Solution: SAS agents will also be provided with eBanking User Id and Password. SAS
agents can logon to portal but no accounts will be linked to these agents. This DSA ID
to be noted on the account opening form for getting the commission credited to their SB
accounts.

(vi) Agent Portal Host Error

Solution: Agent Portal is down or Finacle server is down. Try after sometime.

49
(vii) Agent Portal could not be logged on in newly migrated offices

Solution: Ensure whether the port access for accessing the agent portal is given by
SIFY.

(viii) eBanking User Id and Password is generated more than once for many agents

Solution: eBanking user Id and Password will be generated for all the agents migrated
to finacle including license expired agents / duplicate agent id. In order to avoid this,
ensure that the license expired agents and duplicate IDs are not linked with SB account
number.

(ix) No RD accounts are linked while logging in to portal

Solution:
During Go Live Migration - Transformation Layer, Agent Reconciliation excel sheet is
shared with the Postmaster to ensure 100% migration of agents. Finacle DSA ID, Agent
Type and number of accounts columns are available. Postmaster to check the correct
DSA ID from Reconciliation Excel and logon by using that DSA ID before raising the
issue.

Suppose if a single agent is having both SAS and MPKBY. Two ebanking user Id and
Password will be generated. Use the appropriate eBanking User Id. Suppose three
more eBanking user Ids are generated for the same agent due to duplicate IDs in
Sanchay post, logon with appropriate eBanking user ID.

(x) Some RD accounts are not linked / not visible in the Agent Portal

Solution: Discontinued / Closed accounts will not be visible in Agent Portal. Ensure that
RD account was linked to correct Agent in Sanchay Post. Inquire the RD account using
CRDACM menu to check the DSA ID linked. If any account is not linked to any agent,
user should link that account with correct DSA ID by using CRDACM menu.

(xi) How to prepare Bulk list with default fee

Solution:
a. Default fee is automatically fetched from Finacle Core and displayed in
separate column “Default Fee”
b. Suppose in one account there are 4 months default, only one month default
will be shown in the portal by default.
c. If the customer wants to pay more than one defaults, in the edit screen , click
on radio button in the appropriate RD account .
d. Enter the number of months to be paid and click on “Get Default and Rebate”.
System will automatically fetch the default and rebate.
e. Click on Save

50
 f. In the first part of the screen against the RD account, new default fee will be
displayed and the ‘MODIFIED” column will become “YES”
g. Once all the accounts are selected and edited, click on “Pay all modified
instalments” to generate the eBanking bulk reference number.

(xii) How to prepare Bulk list with Rebate

Solution:
Rebate is automatically fetched from Finacle Core and displayed in separate column
“Rebate”
a. Rebate will be calculated if, 6 or more months instalments are paid. If the
customer wants to pay more than one month instalment, in the edit screen ,
click on radio button in the appropriate RD account .
b. Enter the number of months to be paid and click on “Get Default and Rebate”.
System will automatically fetch the rebate.
c. Click on Save
d. In the first part of the screen against the RD account, Rebate will be displayed
and the ‘MODIFIED” column will become “YES”
e. Once all the accounts are selected and edited, click on “Pay all modified
instalments” to generate the eBanking bulk reference number.

(xiii) Whether the Default fee and Rebate to be added in the cheque?

Solution: In the DOP/Non Dop cheque, Default fee should be added and Rebate to be
deducted along with monthly instalments. Suppose in an account with Rs.200/-
denomination, there is a default of one month. If the customer wants to get rebate, 6
months instalments has to be paid. Already one default is there. Hence the customer
should pay 7 months instalments to get rebate.
200 x 7 = Rs.1400, plus Default fee – Rs.2/- less rebate – Rs.12
Total cheque amount – 1400 + 2 – 12 = Rs.1390/-

(xiv) In case of cheques, can the default fee accepted as cash and monthly instalments
as cheque?

Solution: No. Partial cash and partial cheque not allowed. While posting system will
check for the total amount (Monthly instalment plus Default less Rebate) for that
account. If there is a difference, an error “CHEQUE NOT CLEARED” will be thrown.

(xv) Process of posting Non DOP cheques

Solution:
(a) It is presumed that the MPKBY agent has prepared the bulk list NDC34245
using Non DOP option with all required details like BANK NAME, CHEQUE
NUMBER ) When an agent prepares the bulk list with cheque number with 0
as prefix, 0s are truncated while storing in agent portal.

51
 (b) If the cheques are not handled through outward clearing, the following
process should be handled.
(PLEASE NOTE: This process should not be followed if OUTWARD
CLEARING PROCESS is followed)
Solution:
a. User to invoke CXFER MENU in finacle.
b. Debit SBI (Sundry) account( SOL id followed by 0007 as debit account eg
600002000007)
c. Credit the following account
d. RD Retail / Bulk – SOLID0017 (Outward Clearing account)
e. For RD Retail / Bulk the cheque number SHOULD BE ENTERED in the
Transaction Particular field (CXFER) without fail as described below
Procedure
i) Invoke CXFER , Dr Acct and Cr Account as above and
ii) Enter the cheque number in the “Transaction Particulars” field by
removing the word “BY TRANSFER”
iii) Cheque number should be of 6 digits
iv) Cheque number should be entered without prefix 0 (ie) cheque
number 00234 should be entered as 234.
f. To ensure that the amount of Bulk list is credited, Invoke HACLINQ and
enter the Outward Clearing Account Number SOLID followed by 17.(0017)
g. Ensure that the Bulk list amount is credited along with the cheque details
in the remarks column.

Procedure for Posting RD Bulk list

a. Operator – Invoke menu HAGTXP – Modify – E Banking Reference
Number – Click on Submit
b. RD Bulk list verification – Supervisor – Invoke menu HAGTXP – Verify - E
Banking Reference Number – Click on Submit

(xvi) Truncation of 0

Since 0s in cheque number are truncated in outward clearing, while preparing the bulk
list also the 0s are truncated while storing even if the cheque number is entered with 0
prefix.

(xvii) Agent cannot generate bulk list for more than Rs.10,000/- if mode is payment is
Cash

Solution: An error will be thrown if agent tries to generate bulk list for more than
Rs.10,000/- if the mode of payment is CASH. For DOP and Non DOP cheques there is
not limit. But in a list only 50 accounts can be selected.

52
(xviii) How many accounts can a bulk list contain?

Solution: A bulk list should contain maximum of 50 RD accounts or it should not

exceed Rs.10,000/- if paid in cash whichever is applicable

(xix) Can a cheque paid for more than one account?

Solution: Single Cheque can be paid for multiple accounts. Suppose if there are 8 RD
accounts in the list and serial number 2, 4, 7 are paid by same cheque eg INDIAN
BANK CHEQUE with cheque number 002345.

Click on 2nd RD account, enter the BANK NAME in the field. Suppose you enter the
bank name INDIAN BANK as IND BANK, enter the cheque number – 002345 , account
no for RD instalment – Indian Bank Savings Bank account number of this cheque eg
643567 (This field will not be validated). Click on Save.

Click on 4th RD account, enter the BANK NAME in the field. Enter the bank name as
IND BANK only as entered in the 2nd account ( Here the bank name should not be
entered as IND. BANK or IND BK or any other format. The bank name entered here
should be exactly equal to the Bank name entered in the 2 nd record), enter the cheque
number – 002345 , account no for RD instalment – Indian Bank Savings Bank account
number of this cheque eg 643567 (This field will not be validated) Click on Save.

Click on 7th RD account, enter the BANK NAME in the field. Enter the bank name as
IND BANK only as entered in the 2nd account. (Here the bank name should not be
entered as IND. BANK or IND BK or any other format. The bank name entered here
should be exactly equal to the Bank name entered in the 2 nd record), enter the cheque
number –002345 , account no for RD instalment – Indian Bank Savings Bank account
number of this cheque eg 643567 (This field will not be validated) Click on Save.

(xx) Agent ID gets blocked

Solution: Agent ID gets locked when the password is entered wrongly for 10 times.

(xxi) At Nagpur City Ho 440002 there comes error while verifying lot.Lots are prepared
by agent on 16/03/2014 in there prepared list default does not shown. Counter PA
accept the lot on counter and send the lot for verification. But at the time of verification
the it shows different types of error that does not exist, default fee is different etc. Due to
which lot not verified.

Solution: Suppose agent prepares bulk list (Cash Mode) on 8th wherein few RD
accounts opened from 1st to 15th dates are available. No default fee will be generated
during bulk list generation on 8th. Finacle will calculate Default fee when the Agent
presents the same bulk list at PO counter after 15 th . When the operator tries to the post
the Bulk list, only those accounts without default fee will get posted and accounts with
default fee will be rejected. Remarks “ERROR - DEFAULT FEE/REBATE

53
CALCULATION INCORRECT” will be thrown. New bulk list need to be prepared for
those rejected accounts .

(xxii) How many accounts will be displayed per page in the portal?

Solution:- 10 accounts will be displayed per page. Total number of accounts linked to
the agent will be displayed as 10 of 247 on the right side corner. Only first 500 accounts
will be listed in the first screen. If there are more number of accounts, click on the option
“Click here to fetch more accounts”, another set of 500 accounts will be displayed and
by clicking this option, any number of accounts can be displayed in the portal

(xxiii) Can the RD accounts be sorted account number wise enabling easy selection of
account for generation of bulk list

Solution:-When we click on the Account Number column, the RD accounts will get
sorted either by ascending order or by descending order. Agent can select the required
RD accounts by browsing through the pages. Agent can directly move to required page
by entering the required page number and click on Go.

Agents can use any of the below three options for searching
a. Sort the account numbers and select the accounts manually by browsing
through the page
b. Entering the RD account number in the Searcher field. This option can be
used to select only one record.
c. Click on the File icon on the top right corner. Soft copy of the entire list of
account will be displayed. Required RD account can be searched using Find
option (Ctrl + F) and thereby exact page number can be identified and can
directly move to the respective page and select the RD account.(gopi – icon)

(xxiv) The Fonts in the portal are very small. Is there any option to increase the size of
the font

There are three Font icons on the top right corner. Click on the icon to increase or
decrease the font.

(xxv) Agent portal session ends frequently. Not able to generate even a single bulk list.

Agent Portal session will automatically logout in 30 minutes if remains idle. There will be
a message alerting the user to “Continue the session” for another 30 minutes. By
continuing the session agent can remain the portal for hours together.

(xxvi) All the Ebanking reference numbers are printed together while taking print out of
E Banking Lists:-

Click on the Reports – Enter the from and to date – enter the required eBanking
reference number – select the status as Success and click on Search. Only the required
eBanking reference number with Success status will be listed. Select the downloadable

54
format either pdf or .xls and click on OK. RD Instalment report with the required
eBanking reference number can be either saved or printed.

(xxvii) Can an agent pay the default fee alone by cash and monthly instalment by
cheque.

No, agent cannot pay the bulk list partially by cash and partially by cheque. Default fee
should be added in the cheque itself. The bulk list will be posted only if the cheque
number matches with the entire amount (monthly instalment along with default fee)

(xxviii) Is it compulsory to change the login password for the agent portal?

Yes. The agent should change the login password once in 180 days.

(xxix) Can the RD accounts linked to agent be paid across the counter?

Agent linked accounts cannot be paid across the counter. An error will be thrown while
accepting the RD deposit across the counter. However if the customer still wants to pay
across the counter, the Counter PA can delink the Agent DSA ID using CRDACM menu
and after verification, accept the monthly deposit. Agent commission will not flow as the
account is delinked from agent ID. For this purpose, depositor has to submit application
in manuscript.

(xxx) Suppose a customer with RD account of Rs.5,000/- denomination want to pay for
one year. How to prepare bulk list (Cash) with Rebate for denomination of Rs.5000/-

Solution: Prepare two Cash bulk list for two months simultaneously. Each bulk list will
have two months with Rs.10,000/-. These two bulk list needs to be posted. On
successful posting of two list only, Agent should prepare the third list for two months.
While preparing the 3rd list, system will show rebate as 6th instalment is being paid. Bulk
list can be prepared with rebate and this list to be presented for posting in the counter.

Please do not prepare THREE LIST simultaneously in the above scenario. Only two list
to be prepared and third list to be prepared on successful posting of two lists.

(xxxi) “Host not available” in Agent Portal on clicking the “AGENT ENQUIRE AND
UPDATE SCREEN”

Technical issue due to Network/Port access. Check the portal after few hours

(xxxii) Agent ID Creation in e-Banking

Issue Reported : Creattion of Agent ID in e-banking as the agent it was not part of
migrated agents.

55
Solution: The Agent ID should be first created in Finacle using the menu HDSAMM by
the post office . After that, the Agent ID should be shared with DMCC for creating the
Agent ID in e-banking as well.
(xxxiii) Issue:- Accounts not visible for the Agents
Possible reasons:-
Same Agent might have SAS and MPKBY agency.
Duplicate agent ids are present. While renewal instead of correcting the existing ID, new
agent ID has been created resulting in Duplicate IDs. Further in many post offices it is
seen that SB account number is linked even to these duplicate agent IDs.
If multiple IDs are present to same agents, PO should refer to correct MPKBY ID from
the excel sheet provided during Data Migration Transformation and check whether the
RD accounts are linked to this ID.
(xxxiv) Issue:- When the agent logs in, accounts are not visible. Please link the
accounts.
Solution: The account linkage for the Agent has to be done in Finacle by the PO user by
going to account modification menu for each account.
(xxxv) Issue: Agent IDs manually created in Finacle contains space and dot.
Solution: Agent IDs created in Finacle should not contain space or a dot. Agents Portal
will not allow creation of such agent id’s.
(xxxvi) Issue : Not able to login with the Agent ID or Password provided.
Solution: Passwords are case sensitive i.e. lower case and upper case characters
should be entered as is. If the agent enters password wrongly 10 times, the Agent ID
gets disabled.

PRSS Bulk List

(i) Is there any option to generate bulk list for PRSS agents

Yes. Bulk List Creation option available in Agent Portal can be used by PRSS agents to
generate BULK LIST.

(ii) Can the PRSS agent select all the accounts in a single click

Yes. Only those RD accounts without default/Rebate will be available in agent portal for
selection. PRSS agent can use the select all option to select all the RD accounts in
single click. By default all the accounts will be in selected mode. If the PRSS group
leader want to remove any account from the list, deselect the required account.

56
(iii) Can single cheque used for all the accounts in DOP/Non DOP cheque case

Yes. An option “Save and Copy” is available to copy the cheque number for all the
accounts.

(iv) Whether single eBanking Reference Number will be generated in PRSS bulk list

Sub eBanking reference numbers with maximum of 500 accounts will be generated. In
case if there are 4600 accounts, 10 sub eBanking reference list will be generated. Last
eBanking reference number will contain 100 accounts and balance 9 eBanking
reference list will contain 500 accounts .

(v) What is the command for posting Bulk PRSS

It is CPAGTXP

(vi) Whether posting will happen sub eBanking reference number wise

Yes. Operator to select sub eBanking reference numbers while posting the list.

(vii) Whether the same Bulk PRSS option used for generating list in case of
default/rebate accounts

No. Bulk List creation option cannot be used for accounts with Defaults/Rebate. Regular
“Agent Enquire and Update Screen” option to be used for Default/Rebate accounts.

57
6. Time Deposit

(i) How to handle Death closure of TD product.?

During the death closure of a TD account, the User has to choose the previous
completed year of TD tenure, as the closure value date in the menu HCAACTD. e.g. TD
account was opened on 5-3-2010 for 5 years. The customer dies and the legal heir of
customer asks for closure on 25-10-2013. Since TD has run for 3 years, 7 months and
20 days, during closure the user has to choose the completed year of the tenure as on
date of death i.e. 3 years only and enter the closure value date as 5-3-2013. Once the
user goes into the closure details page of the menu HCAACTD, Collect penal flag has
to be chosen as ‘No’ and in closure exceptions tab, closure reason code has to be
selected as ‘DTCLM’

(ii) What closure reason code and closure value date is to be selected in normal
closure of TD?

During Normal closure, the user does not need to change the closure value date.
In the Closure exceptions tab, User has to choose the closure reason code as ‘Normal’.

(iii) How to generate separate LOT for 1/2/3 and 5 Years TD?

While generating LOT in HFINRPT, select scheme code as 1 year TD or 2 Year TD or 3

Year TD or 5 Year TD instead of TD Alone.

58
7. Issues in Certificates (NSC/KVP)

(i) ERROR:-NSC/KVP accounts not fetched

Solution
In the input criteria in the Registration No. field, ’R’ has to be suffixed before
Registration number.
(ii) ERROR:- NO records fetched

While discharging the certificate, if error shown is as "No records fetched", there is a
possibility that the certificates are not migrated. Please check re-conciliation report if
NSC was available in Sanchay Post or check data digitization sign off report if NSC
were issued manually. Write to DMCC.

(iii) Not able to print Certificates

Before handing over physical certificates to the holder, do the following:-

1. First of all, ensure that certificate inventory is moved from DL(Double Lock) to
EM(Employee Location) as and when certificates are to be issued.
2. After completion of all certificate issue process, a print command needs to be
executed in Finacle using HDRP. Ensure that "printed successfully" radio button is
ticked during executing the menu HDRP. Even if printer is either not installed or is not
working, this command is to be executed.
3. In case certificate is wrongly printed and the customer has returned or the post office
is in possession of the wrong certificate - a duplicate certificate needs to be printed
using HDUDRP menu option. This menu is available for Postmaster only.
(iv) NSC account opened but verification is not happening

Solution:
The above error occurs during account opening. Only instrument date has been
entered and no other instrument details entered In such cases, the transaction will not
be posted and has to be deleted in HTM menu. Once the transactions are deleted the
accounts opening has to be cancelled and then new accounts have to be opened
again with proper data entry.

(v) Process of NSC/KVP Bulk Closure

This process should be adopted only if customer applies to discharge all certificates
issued under one registration number on the same day. With this process all certificates
under one registration number can be discharged but certificates will be discharged 50
at a time and payment can be made by Postmaster Cheque only or maturiry proceeds

59
can be transferred to Savings Bank account of the customer.if available . When this
menu is invoked, if certificates are less than 50, all the certificates will be discharged. If
certificates are more than 50, this process has to be repeated again with same
Registration number and CIF number. It will continue to select next 50 certificates till all
certificates under that registration number are discharged.
Closure by Counter PA

Step 1-Enter CNSBCV menu and select Z-Close.

Step 2- Enter Registration number and CIF ID.
Step 3 – Enter the repayment account if maturity proceeds need to be transferred to PO
Savings Bank of the cusomter. If POSB account not available, leave this repayment
account id as blank.
Step 4- Click on Submit..
Step 5- Go to HPR and see NSC Bulk Closure Success or failure Report after 10
minutes.
Verification by Supervisor :-
Step 1- Enter CNSBCV and select V-Verify.
Step 2-: Enter registration number and CIF ID. Repayment Account will get auto
populated. It will be Postmaster repayment account from which Cheque is to be issued
i.e 0340 if POSB account is not entered.
Step 3 : Click on Submit.
Step 4 :- Go to HPR after 10 minutes and Check Success/Failure Report.
Step 5 – Details of maturity proceeds will be available in the success/failure report.
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.

(vi) Duplicate certificate printing menu HDUDRP is not available.

This menu is available only for Postmaster of HPO. Duplicate certificate printing can be
done by Postmaster by taking proper certificate stock. Correctness of the certificate
allotment can be checked using NSCAM menu

(vii) NSC and KVP certificates are not getting discharged even after showing proper
balance and status in HACLI menu.

This is mainly due to unverified closure transaction which was already initiated using
NSCAC menu previously. Same has to be cancelled in NSCAC menu before initiating
the closure.

60
(viii) How to do a Trial closure at the time of Premature Closure of NSC/KVP accounts

Menuusing CSCCAAC(NSCAC).
 Trial premature closure option for the NSC/KVP accounts is done by executing the
menu CSCCAAC(NSCAC).
 The interest applicable on premature closure of NSC/KVP accounts can be seen
using the above referred menu.

CSCCAAC (NSCAC)Menu execution

Enter menu CSCCAAC(NSCAC) and provide the inputs as shown below and select
GO

On press of GO, the details will be shown in the details page, the interest details are
highlighted for the record.
Once the Close option is selected, the principal amount and interest amounts can be
seen.
Once the details are observed and noted, select Cancel.

Submit should not be clicked as it would lead to actual closure of the account.

If by mistake, Submit is clicked, a warning message " Please confirm again this
is a actual closure and not a Trial Closure" would appear for confirmation. User
should immediately enter 'No' and cancel to avoid actual closure.

(ix) How to do NSC Premature Closure i.e. closure before the maturity date

(a). In the menu CSCCAAC,

i) The closure value date will be auto populated as BOD. In case of closure due to
death, closure value date should be changed to date of death.
ii) Select the account which needs to be closed prematurely
iii) Input the closure reason code as one of the below:
OBMIN- Order by Ministry of Finance
FORFT - forfeiture of certificates
DTCLM- Death claim (in case of closure due to death)
iv) Mode of repayment allowed will be "Transfer" only and "Cash" mode will not be
allowed

61
(ix) How to do KVP Premature Closure i.e. closure before the maturity date

KVP Premature Closure i.e. closure before 2 years and 6 months from KVP account
open date
(a). In the menu CSCCAAC,
i) The closure value date will be auto populated as BOD. In case of closure due to
death, closure value date should be changed to date of death.
ii) Select the account which needs to be closed prematurely
iii) Input the closure reason code as one of the below:
OBMIN- Order by Ministry of Finance
FORFT - forfeiture of certificates
DTCLM- Death claim (in case of closure due to death)
iv) Mode of repayment allowed will be "Transfer" only and "Cash" mode will not be
allowed
In case of NSC issuance – the DOP user has to check for stock availability and then
open the account with NC4 or otherwise. Opening of Account when inventory is
unavailable
(a). Check the availability of inventory using HISRA report (b). In case the inventory is
unavailabe, procedurally issue NC4a receipt
(c). Invoke the menu for NSC account opening i.e. CSCOAAC
i) Input the NC4A receipt number in the field for "NC4A Receipt Number"
ii) Input all the other mandatory details
(d). On receipt of Stock - Use the HDRP menu to print the certificate by input of account
number.
(e). Invoke HFINRPT to generate a report of all NC4 a`s are issued with certificate
printing pending
(x) How to do NSC/KVP Normal Closure.

First user has to do a Trial Closure. Once holder is ready to get payment, following
process need to be followed:-
(a). In the menu CSCCAAC,
i) The closure value date will be BOD. No need to change the same.

62
 ii) Select the account which needs to be closed on maturity iii) Input any closure
reason code from the searcher as NORML
iv) Mode of repayment allowed will be "Transfer" or "Cash" mode

(xi) Is it necessary to enter account number of certificate in Bulk Discharge (CNSBCV)

No. CIF ID and Registration Number is mandatory. Account number of certificates need
not be entered.

(xii) Can the maturity proceeds of bulk discharge be made through cash?

In Bulk discharge, payment through cash is not possible. There is an option to enter the
REPAYMENT ACCOUNT ID. POSB account of the customer if available can be entered
in this field. If no repayment account is entered, maturity proceeds will get credited to
Postmaster Cheque Account (0340).

(xiii) When a certificate holders attend CBS Post Office from where Certificates were
purchased for transfer of certificates to another CBS Post Office.

The Counter PA or Supervisor or Postmaster should politely request the Certificate

holder that since CBS has been implemented in the office, where he wants to transfer
certificates, there is no need for transfer of certificates as he/she, on maturity, can take
payment from any CBS Post Office after giving fresh KYC documents.
(xiv) When a Certificate holder attends any CBS Post Office to encash certificates either
on maturity or for premature closure where certificates were purchased from other CBS
Post Office.

The Counter PA should first go to HACLI and see that Certificates are genuine and
stand in Finacle. He/She will verify signatures of the holder(s) on the certificates with
that available in Finacle. Once, it is confirmed from the signatures that holder is
genuine, holder should be asked to fill NC-32 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. 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. Payment should not be made by cash in any case. If holder wants re-
investment, closing proceeds should be transferred to Re-investment office account
(0387) and credit re-invested amount into newly opened account/certificate. Remaining
amount can either be credited to savings account or paid back by cheque.
If certificates belong to the period of pre-migration, an intimation of discharge should be
sent to the office of issue by service registered post which will make discharge entry in
the Purchase Application.

63
NC-32 and KYC documents should be sent to CPC of the office where payment is being
made. CPC will scan the document and attach the same with CIF.
(xv) When any claimant presents certificates issued by another CBS Office alongwith
claim application form for payment or transfer to claimant’s name.

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 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.
In this case also, If certificates belong to the period of pre-migration, an intimation of
discharge or sanction of claim should be sent to the office of issue by service registered
post which will make discharge entry in the Purchase Application and attach sanction
memo.
Claim Application Form and KYC documents of claimant and Account Opening Form
(AOF) should be sent to CPC of the office where payment is being made or claim is
sanctioned. CPC will scan the document and attach the same with CIF.
(xvi) A Certificate holder whose certificates stand at CBS post office wants payment of
matured certificates at non CBS Post Office .

When a certificate holder attends non-CBS post office, he/she should be asked to
submit application on plain paper in duplicate requesting payment at non-CBS post
office and his/her contact number. He/she should be asked to submit original certificates
duly signed on the back. The certificate holder should be identified with fresh KYC
documents. Postmaster of the post office (Non CBS) 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.
When Insured is received at CBS Post Office, Postmaster will open the same and enter
details of certificates and holder (including contact number) in a register to be
maintained in manuscript. (CBS)Postmaster, after satisfying that Postmaster of Post
Office (Non CBS) from where insured was received 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

64
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.
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.
(xvii) Application for transfer of certificates sent for verification by non CBS post office
and on receipt of verification, post office migrated CBS.

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.
(xviii) A Certificate holder of CBS Post Office, lost certificates and wants to get duplicate
certificates issued.

In such cases, 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.
(Procedure )
1. Move the inventory of Duplicate Certificates (if available) of same scheme to the user
id from which duplicate certificate is getting printed. Otherwise, fresh certificates will be
taken from the existing inventory.
2. GO to HDUDRP and provide details like account number /cif id for which certificate is
getting printed.
3. HDUDRP will take the current inventory i.e either normal or duplicate certificates
which is available with the user.
4. If certificates are actually printed through printer, the user is able to see DUPLICATE
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.
5. After this, new certificate number will be available under the account number.
Use NSCAM menu to confirm that new certificate numbers are replaced with lost
certificates.
6. If the any holder/customer come with old certificates, while closure, system will not
those certificates in the closure menu .
7. Old certificate number will not be reflected in the system and user can’t be able to
close the account.

(xix) If any transaction is in entered status and on posting the transaction, it throws
exception:

65
Exception would have the format - 3 letter code – Exception Description.
Post Office should contact CPC and CPC will contact CEPT Team. CEPT Team will
take following steps:-
Check that Credit & Debit legs accounts are proper
Check the transaction is a valid one
disable the exception through HEXCDM menu
Ask Post Office to Post & verify the transaction and then proceed with EOD
enable the exception through HEXCDM menu

(xx) NSC/KVP accounts not fetched -Error CMSG000030 No Record Fetched

Solution
The input criteria provided in the Registration No. field is incorrect. R has to be entered
after Registration number. For similar error ,users should always cross check that all
inputs provided is correct as sometimes wrong product type is given, some times wrong
cif id is given. If all inputs are correct, then Cancel the closure through HCAACVTD
menu and try closure once again through CACCAAC menu. Issue might have been due
to slowness/network
(xxi) Certificate not available in Finacle ( record not migrated)
Sample Issue Reported : At NSC Counter, A NSC is presented by Customer Of
Rs.10000/- In the name of Shri Harish R Jakhete with Regn No. 80537 dated
21.10.2005 Certificate No.69EE265815 . But while Discharging the certificate, the error
shown is as "No records fetched". Hence it is not possible for us to discharge the
certificates.
Solution: There is a possibility that the certificates are not migrated. Please check re-
conciliation report if NSC was available in Sanchay Post or check data digitization sign
off report if NSC were issued manually. Contact DMCC.
(xxii) Issue:- While transferring an account from one sol to another in HACXFSOL
menu,error faced is “Fatal error. CMG details not found"
Solution:- In such case, the user need to check if the cif id associated with the account
or with the joint holder is deleted or not. For this go to CMRC menu and select inquire
mode. If it is deleted, then the user may not be able to transfer the account from one sol
to another
(xxiii) Issue:- Certificate number is missing and is not attached to the Account.
Solution:- Please check the status of an instrument using HIMI menu by providing
details such as Date/Cerificate Alpha/Number etc.
(xxiv) Issue:- Not able to print Certificates
Solution

66
1. The certificate inventory should be moved from DL (double lock) to EM
(Employee Location) as and when printing is required. The certificate needs to be
printed as and when it is given to the customer.
2. In case printer is not working, the certificate can be written manually. Before
handing over certificate to customer, in menu HDRP, print command should be given
and printed successfully radio button is ticked. It should be checked whether certificate
number is attached to the account and then physical certificate are to be given to
customer.
3. There Should never be a case where a customer is given a hand written
certificate and print command is given later. This would lead to mismatch of certificate
number.
4. In case certificate is wrongly printed and the customer has returned or the post
office is in possession of the wrong certificate – certificate should be shown as
destroyed and a duplicate certificate needs to be printed using HDUDRP menu option.

67
8. NSS 87

(i) Account Closure

1. Invoke the menu HCACC for collection of TDS amount before invoking the menu
HCAAC for account closure 2. Invoke the menu HCAAC for account closure
i) Specify the Transaction type i.e. Transfer or cash and specify the corresponding
Transfer account id for transfer mode i.e either customer's Savings Account or
Postmaster Cheque Account..

68
9. AGENT RELATED ISSUES
(i) Non migration of agents and Creation of new agent ID in finacle and getting ebanking
reference number

Solution: As per migration logic, agents who were not linked with SB account number
will not be migrated. Agent IDs (DSA ID – Direct Selling Agent) to be created in Finacle
and the DSA ID to be sent to fsihelpdesk for creation of eBanking user id and password.
Newly created DSA ID in Finacle should not have (.) Dots and Spaces.

(ii) Creation of MPKBY/SAS/PRS agents in finacle

Solution : Login as Operator, Invoke HDSAMM menu. Click on Function Add. Enter
the mandatory details. Select the appropriate Agent Type (MPB or SAS or PRS) by
expanding the TAB. Agent Authority number to be captured in License No. free field
without special characters. Set ID should be the SOL ID to which the DSA ID is
attached. Please do not select ALL in the SET ID. Tax Code is mandatory. For PRSS
agents, select as NO TAX and for other agent type, select as TDSAG.

Click on Product Tab – Select the appropriate scheme code from the searcher.
Payment Frequency – D – Daily, Holiday, Next Day (No other options should be
selected) Pay Commission should be Yes, select the appropriate subvention rev credit
placeholder account number, Next Commission Date – Any date after migration date.
20 products should be linked to SAS Agent type, 1 product to MPB agent type and 15
products to PRS agents Supervisor to invoke HDSAMM menu to verify the newly
created DSA ID.

(iii) Creation of Agent ID from existing DSA

Solution: Invoke HDSAMM menu, select the function COPY, select the appropriate
SOURCE DSA ID (select MPKBY agent type for creating new MPKBY agent) from
where the entire details to be copied, Target DSA ID to be entered by the operator. The
target DSA ID entered will be user name in agent portal also. Hence do not give
complicated DSA ID. The DSA ID should not contain (.) Dots and Spaces. New DSA ID
will be created along with Product Details. Operator to modify the agent name, address,
commission credit SB account number, license expiry date, set id. No changes to be
done in Product Tab. Supervisor to verify the newly created agent. By using this option
new Agent can be created within few minutes.

(iv) Invalid Payment Frequency error while creating new Agent ID

Solution: While creating agent id, select appropriate payment frequency in Product
Tab. Payment frequency should be D-Daily, If Holiday – Next Day) No other option
should be selected.

69
(v) Procedure to link RD accounts to new created DSA ID

Solution: Counter PA to invoke the menu CRDACM. Select the radio button Agent in
the Agent/Employee Code field. Enter the required DSA ID in the appropriate field. Click
on Submit. Supervisor to invoke the menu CRDACM to verify the RD account which
was linked with agent code.

(vi) Posting of other office AGENT LIST

Description of issue raised by Nagpur:.

While working on RD counter today, I wrongly post the agent lot having lot no-C 42453,
Amt.2000 /-(Two thousand only) belong to Sol ID of Allahabad Ho & Agent ID is
MIG007088 in the name of Smt. Kamini shandilya 2. Lot amount of Rs.2000/- shown in
my cash position (HARI2612). Hence 2000/- are shown excess in my today cash
position of finacle system. Also this lot shows in today’s Allahabad HO Agent Report.

Solution: In HAGTXP menu, Operator should not enter e Banking reference number
instead select the eBanking Reference number from the searcher to avoid wrong entry.
Now this is avoided by making the AGENT DSA ID as mandatory field.

(vii) No commission is credited for MPKBY/SAS for new accounts opened

Solution:
a. Funding should be done during account opening itself for accounts opened
through agents compulsorily. If funding is done subsequently, agent
commission will not be credited.
b. If funding is done during account opening and still commission is not credit,
check whether the PAY COMMISSION field is selected as “YES” in HDSAMM
menu – Product Tab.

(viii) PRSS agent is credited 4% commission like MPKBY agent

Solution: Check the agent type in HDSAMM menu. Appropriate agent type should be
selected in Agent Type field.

(ix) PRSS agent is also deducted Tax

Solution: Invoke HDSAMM menu and check whether the TAX CODE field is selected
as NO TAX for PRSS agents. For other agent type TAX CODE should be TDSAG
compulsorily

70
(x) Tax is not deducted for MPKBY agents

Solution: Invoke HDSAMM menu and check whether the TAX CODE field is selected
as TDSAG for MPKBY agents.

(xi) Agent name is not visible while opening MIS/NSC/SCSS/RD accounts.

Solution: Ensure that appropriate products are added to appropriate agent type. For
SAS Agent type 20 products viz
SAS AGENT TYPES – PRODUCTS TO BE LINKED
NSC81 – NSC VIII Issue Rs. 100/- denomination
NSC82 – NSC VIII Issue Rs. 500/- denomination
NSC83 – NSC VIII Issue Rs. 1000/- denomination
NSC84 – NSC VIII Issue Rs. 5000/- denomination
NSC85 – NSC VIII Issue Rs. 10000/- denomination
NSC91 – NSC IX Issue Rs. 100/- denomination
NSC92 – NSC IX Issue Rs. 500/- denomination
NSC93 – NSC IX Issue Rs. 1000/- denomination
NSC94 – NSC IX Issue Rs. 5000/- denomination
NSC95 – NSC IX Issue Rs. 10000/- denomination
MISN1 – Monthly Income Scheme
SCSCM – Senior Citizen Savings Scheme
SCDEF - Senior Citizen Savings Scheme – Retired from Defence
SCVRS - Senior Citizen Savings Scheme – Voluntary Retirement
TDIP1 – One Year TD
TDIP2 – Two Year TD
TDIP3 – Three Year TD
TDIP5 – Five Year TD
PPF – Public Provident Fund

If NSC 81 and NSC 91 are not linked, the agent will not be displayed in the searcher. It
is mandatory that all NSC products are linked to SAS agents.

(xii) MPKBY AGENT TYPE – PRODUCT TO BE LINKED

RDIPN – Recurring Deposit

(xiii) Will system allow transaction of an agent if the License is expired

Solution: System will not allow transaction by an agent after the license expiry date.
Agent should renew the licence expiry date well in advance This should be done using
modification option in HDSAMM menu
(xix) Query from one Post office As per rule the agent can deposit cash in any scheme
the commission will be paid to agent for investment of only Rs.10000/-, but in Finacle
the amount paid more than Rs. 10000/- by cash the commission paid to agent directly to
his SB account which is irregular.

71
.Solution: In agent portal an error will be thrown if an agent tries to prepare Bulk list for
more than Rs.10,000/- in cash mode. Suppose if the agent prepares 6 lists with max
amount of Rs.10,000/- and presents at the counter. Operator will be able to post even
all the 6 bulk list in a single day.

(xx) Agent ID -DOP.MIG0002231 is not shown in finacle when we want to open an

account of MIS through agent

Agent Type is configured as SAS but only RDIPN (RD) product is linked to this agent.
For SAS Agent type, 20 products to be linked in HDSAMM and for MPBKY, only one
product RDIPN to be linked.

72
10. PASSBOOK
(i) Whether there is a provision to handle stock and supply of Passbooks in Finacle?
No, there is no provision for Passbook stock and supply in Finacle. This has to be
maintained manually.
(ii) Name of the office or the customer address being printed wrongly in Passbook

Solution: Check the city code linked to the address of the Post office or the customer
address. Then validate the city code description in the menu HRRCDM. Either the
HRRCDM 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 in
HRRCDM menu. For any more help, CEPT Team can be contacted.HRRCDM access is
given to DOP Operations team to maintain the details.
(iii) Error B17 is coming while printing Passbook.

Solution: The passbook is not enabled at the account level. The same has to be
modified at the account level for passbook printing.
For PPF account, the menu HACM has to be used for modification of the field A/C
statement in the General Details tab. HACM menu is available with CEPT Team.
Therefore, account should be emailed to CEPT for modification.
For SCSCC accounts, the menus CSCAM/SCSSMAV to be used
For MIS accounts, the menus CMISAM/MISAMAV to be used

(iv) An account holder of a CBS post offices wants to get duplicate Passbook issued.

Duplicate Passbook can be issued by any CBS Post Office after following the laid down
procedure of issue of duplicate Passbook.

(v) Issue:- Name of the office or the customer address being printed wrongly in
Passbook
Sample Issue Reported : It is reported by the counter PA at Srikakulam HO, the name
of the PostOffice in the passbook front page is showing as SRIKALAHAS, ANDHRA
PRADESH, INDIA, 532001. instead of SRIKAKULAM, ANDHRA PRADESH, INDIA,
532001.
Solution: Approach CEPT Team through CPC which will Check the city code linked to
the address of the Post office or the customer address. Then validate the city code
description in the menu HRRCDM. Either the HRRCDM 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 in HRRCDM menu.

73
(vi) Issue:- Error:- B17-This customer is not a Passbook holder.
Solution: When passbook is not enabled at the account level, this error will come. User
has to go to account modification menu and enable Passbook printing and disable A/C
Statement in General Details tab. For PPF account, the menu HACM, for SCSCC
accounts, the menus CSCAM/SCSSMAV and for MIS accounts, the menus
CMISAM/MISAMAV to be used
Steps for Configuring the Passbook Printer (Olivetti PRS2)
Step 1: Goto Control Panel -> Devices and Printers path.
Step 2: Select Generic IBM Graphics 9pin wide as the Default Printer.
Step 3: Please select the Printer Server Properties tab on the top.
Step 4: In Forms tab, please click on Create a new form and in Form name, please
type the Name as PassbookNew1.
Please specify the measurements for margins as shown in the below screenshot
and click on Save Form and Click on OK button.

Step 5: In Devices and Printers path, right click on Generic IBM Graphics 9pin
wide and select Printing Prefernces. Below specified screenshot will pop-up with
Layout and Paper/Quality tabs.
Step 6: In Layout tab, please click on Advanced button as shown in the below
screenshot.
Step 7: On Click of Advanced button, below specified screenshot will pop-up.
Please select the Paper Size as PassbookNew1 and Print Quality as 240*216 dots
per inch. Same setting as shown in below screenshot should be done.

74
Step 8: In Devices and Printers path, right click on Generic IBM Graphics 9pin
wide and select Printer Properties. Below specified screenshot will pop-up with
General, Sharing, Devices Setting tabs etc.

Step 9: Please click on the Devices Settings tab. Below specified screenshot will
pop-up.
Step 10: Please select the Tractor Feed as PassbookNew1 and Manual Paper feed
as PassbookNew1 and click on OK button.

75
Step 11: After doing the above changes, in General tab, automatically, in the
Paper available section, the PassbookNew1 will be displayed.
Step 12: In IE browser, please select the Print -> Page set up.
Step 13: On click of Page Setup, below specified screenshot will appear. Please
modify the settings as shown in the below screenshot. Please ensure the Page
Size is selected as PassbookNew1 and Enable Shrink to Fit option is unchecked.
Also, the Headers and Footers section, all the fields needs to be selected as
Empty.

Step 14: After doing the above changes, a sample passbook may be printed for
the first page and the next page for confirmation and verification.

76
11. Signature view issues -

(i) Issue Reported : Signature is not displayed

Solution: There may be a case that signature is not uploaded in Finacle. In such
cases, system will show the below details:

A discrepancy is added in DBA Plus to check whether the signatures are within 25
KB. All the signatures which were within 25KB will be migrated. It was noticed that few
signatures which were well within 25KB were also dropped. Now all the signatures
which were dropped due to file size have been migrated.

Any signatures present in Sanchay Post database which is above 25kb size shall be
dropped while migrating in Finacle. After the data upload, as a part of the recon details,
Infosys shall provide the details of signatures dropped during upload. POs need to
ensure that when the customer whose signature is dropped comes to the PO, fresh
signature mandate is captured using a new 'account opening form' and customer's
transaction is allowed based on the fresh signature mandate. POs to ensure that the
account opening form is clearly identified by writing 'Signature mandate' on top of first
page of the form . They should also clearly mention the CIF id and account number on
the form. The form shall be sent to CPC for scanning and upload of signature in Finacle.

(ii) Signature not uploaded properly

If signature is not uploaded in Finacle, system will show “No Matched Signatures and
Photographs”
Signature not migrated due to huge size.
Any signatures present in Sanchay Post database which is above 30kb size shall be
dropped while migrating in Finacle. After the data upload, as a part of the recon details,
Infosys shall provide the details of signatures dropped during upload. POs need to
ensure that when the customer whose signtaure is dropped comes to the PO, fresh

77
signature mandate is captured using the KYC Form and form shall be sent to CPC for
scanning and upload of signature in Finacle.
(iii) Signature related errors
Issue:- Security Exception Error.
Solution: Please check the desktop settings and then try viewing the signature.
(iv) Issue:- InValid Access!User does not have access to this menu.
Solution: Issue should be reported to CEPT Team thorough CPC. The issue is present
due to the access not provided to the particular user. The changes have to done in the
user creation by modifying the USER GROUP NAME to ADMIN
(v) Issue:- Signature/photograph view issue
Error “Unable to display the image. The image maybe not available or corrupt.
Solution
Check for the signature view from other user id and other Post Office.Issue may be with
the desktop settings.

78
12. Clearing Issues
HOW TO HANDLE INWARD CLEARING?
Important:- The HO which is dealing with Clearing House will debit all cheques
received from Clearing House at that HO only after following the prescribed
procedure given below. No cheque should be sent to any other CBS HO or CBS
SO.
(i) Supervisor to open the Zone and enable the Operator to lodge (enter) the inward
cheques received for clearing.

SUPERVISOR
Invoke menu HMICZ – for Zone Open

a) Select the appropriate zone (MICR OR CTS). As of now only MICR zone
should be opened. CTS Zone should not be selected even the office is linked to a
CTS Zone.
b) Zone Date – By default System date

c) Total Advice -Supervisor should enter the total amount of inward clearance
amount. This can be modified even at a later stage.
d) Total No. of instruments in Advice – Total number of cheques corresponding to
the Total advice to be entered. This also can be modified at a later stage. Click on
Submit.
e) Zone is opened successfully`

(ii) OPERATOR

a) Invoke menu HICTM – to Lodge (Enter) cheques received for Inward clearance

b) Select the appropriate Inward clearing zone opened by supervisor.

c) Enter the cheque number, amount and account number

Carve – by DEFAULT it is YES

(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).

Suppose if there is insufficient balance in the account – An error will be thrown.

Change the Carve as NO and lodge (enter) the cheque. Ensure that this cheque is

79
marked as “Reject” in Inward zone – Inward reject can be done by using OPTION
HICTM after running Post Validation run.

d) To make Carve NO for rejected cheques (compulsory) first user need to click on
empty space near individual cheque summary and then proceed further by clicking on
explode button for additional rejection details. After completion of filling additional
rejection details and click on accept then only rejected cheque’s carve status will
become NO. With Carve Yes, rejected cheques will not be allowed to lodge. In above 3
screenshots how inward rejected cheque carving status changed from Yes to NO is
shown.

e) Alternatively by selecting the particular and clicking on show exception carve

status can be changed to NO.

f) For both type of rejects i.e. Inward and Outward rejects carving should be NO.

g) Click on the SVS – Signature Verification system icon to view the signature

(iii) Procedure to identify the duplicate cheque/instrument entry and delete the
duplicate cheque entry

Errors will be thrown during EOD if Duplicate cheques are entered. Procedure for
deleting the duplicate entries is as follows:-
(a) Invoke HICTM and select Delete function.
Note: Delete function can be used to delete the verified as well as unverified
instruments
(b) Click on Accept and the below screen comes up.
(e) The Selected check box should be ticked for the record which needs to be
deleted. For the other cheques, this check box shouldn’t be ticked

(iv) If error “Carving could not be done as there are scheme errors” is shown,
following is the solution:-.

This error is thrown when wrong account number is lodged (entered) in HICTM menu.
This error is also when the scheme of the SB account is non cheque. Same has to be
changed using HACXFRSC before lodging the instrument.

SUPERVISOR

80
(v). What to do by the Supervisor:-

Verify the cheques lodged (entered) using menu – HICTM

Click on Accept after verifying the details.
Suspend the Zone – HMICZ
(Please Note: No cheques can be lodged (entered) after SUSPEND. Still if any cheques
are left out or high priority cheques to be entered, the same can be done by un-
suspending the zone thru menu UNSUSPEND. Again lodge the cheques thru HICTM,
verify and suspend the zone)

HMICZ - Validation run. This is Very Very important.

After Suspension of Zone, validation Report should be generated. This report can be
checked by using menu HPR to find out any rejects.

If any rejects are found in HPR due to insufficient balance or for other reasons, go to
HICTM – Modify – Select the appropriate cheque number and mark as INWARD
REJECT by selecting appropriate reasons. If any double entries are found, go to HICTM
and DELETE the appropriate cheque.

(vi) Process for Rejecting the cheques which failed

(a) Invoke HICTM – Modify option from operator

(b) Click on Accept without entering any details

(c) Select as “Inward” from the drop down in “Reject” field

(d) After clicking on Inward Reject an error will be thrown as “Enter all Mandatory Field”.
Click on the red and white button near the Reject field

(e) If any error is found in HPR, supervisor cannot proceed further to POSTING.
(f) If no errors are found, zone status will show as Validation run successful. This can be
checked through menu HMICZ – Inquire – Zone Status

(g) Go to HMICZ – Modify mode- Enter the total number of instruments and total
amount. This should be done in SUSPENDED ZONE. This is mandatory. Supervisor
cannot POST the zone if this is not done. Once the postings are initiated these statistics
cannot be modified. Hence, extra care must be taken to update the correct statistics
before initiating the postings.

(h) HMICZ – Post. Actual transactions happen at this stage only.

(Suppose if CARVE is NO. Balance will not be checked at time of LODGING. Suppose
funds are available during VALIDATION RUN and while POSTING, no funds are

81
available, these transactions will be in ENTERED state. The reason for this transaction
in ENTERED state can be checked in HTM – Enter Tran ID - List All exceptions menu.
Reason for entered state can be recorded and this cheque is to be deleted using
HICTM menu. However this cheque cannot be honored.

(i) Reports can be taken in HPR . Scheduled report for all CLEARED CHEQUES.

(j) For taking print out of Rejected Cheques INVOKE MENU HREJREB

(k) Zone Close – HMICZ. This should be done after all the above are completed

OUTWARD CLEARING PROCESS

(vii) First of all, Supervisor has to open Zone

 For Opening of Zone, Supervisor will go to – HMCLZOH

 Select “Open Zone” in the Function field and select the date
 Select the appropriate zone “MICROW” for MICR Outward. CTS-MICR for MICR
Outward CTS should not be selected.
 Click on Go

(viii) Entering of cheques.

 Counter PA enters the outward cheques using the menu HOCTM

 Select the function “Add” in the Option field and select the zone code and zone
date
 and click on GO. MICR flag will automatically change to YES
 Enter the Account Number for which the cheque is to be credited
 SB account number - SB account number in case of subsequent SB Deposit
 SOLID0017 - In case of subsequent RD Deposit / Agent Bulk Deposit
 SOLID0017 - In case of PPF subsequent Deposit
 SOLID0382 - In case RD/TD/MIS/SCSS/NSC Account Opening

 Enter the amount in the Amount field

 Enter the Transaction remarks like PPF, MIS, NSC, etc in the free Text field.
 Click on Add

 If Single Cheque and Single Account Enter the instrument details in the second
part of the screen
 If Single account – Multiple cheques – Click on Add below the Instrument details
option
 If multiple account – Single cheque – Click on Add below the account details
 Enter the Instrument Date – Cheque Date

82
  Enter the Instrument No – Cheque Number
 Enter the transaction code as 10
 Enter the sort code - Sort code is of 9 digits. Enter the 4,5,6 th digit
 Click on the searcher
 The Bank Code list searcher will appear. If sort code is not available in searcher,
enter sort code of any branch of that Bank.
 Click on submit and select the appropriate Bank, Branch Code
 Once all the accounts / cheques are entered, the SUMMARY details can be
viewed. Total Credit amount and Number of instruments.
 Click on Submit. Set No. will be allotted for cheques lodged.
(ix) Verification by Supervisor.
 Supervisor to verify the cheques lodged using the menu HOCTM
 Select the Function – Verify and click on GO
 Select the appropriate ZONE CODE, Zone Date and Set Number
 Click on 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
 Click on Submit
 “Successfully Verified in Online Module along with SET NUMBER “ will appear

(x) Suspension of Zone.

 Invoke the menu HMCLZOH to suspend the zone

 Invoke the menu HPCLSO to print the CLEARING HOUSE SUMMARY REPORT

(xi) Release to shadow balance.

 Invoke the menu HMCLZOH to Release to Shadow Balance

 Select the function “Release to Shadow Balance”
 Select the appropriate date and zone
 Click on Go
 A window with General and Statistics tab will be opened
 While RELEASING TO SHADOW BALANCE, Zone Status should be
“SUSPENDED ZONE”
 Click on Submit
 Job will be initiated and the report has to be checked in HPR

83
(xii) Marking of Outward Reject.

 After receipt of scroll, Rejects if any to be marked. Outward rejects are to be

marked in Inward Clearing Zone. (Process given at Point (vi).)

(xiii) Regularization of Zone

 Invoke the menu HMCLZOH to REGULARISE SHADOW BALANCE. Zone will

be automatically closed on completion of this step.
 Select the Function “Regularise Shadow Balance”
 Select appropriate date and zone
 Click on Go
 A window with General and Statistics tab will be opened
 While Regularising Shadow balance, the ZONE STATUS should be “RELEASED
TO SHADOW BALANCE”
 Click on Submit
 Batch Job will be initiated and the report can be taken using the menu HPR
 If status of the any of the cheque is unknown HMARKPEN menu can be invoked
to keep that cheque in pending for clearance. Same can be revoked by using the
menu HREVPEND(available only for Postmaster). Using these 2 menus, zone
can be partially regularized.

 The balances in SB will be posted automatically once the zone is Regularised.

 Funds cleared for RD, PPF subsequent deposits will be parked in the Office
Account. Invoke the menu HACLINQ to check the balance in the office account
SOLID 0017. Fund the respective RD, PPF account using the appropriate menus
by transferring funds from this office account.
 Funds cleared for NSC, MIS, TD, SCSS account opening will be parked in the
office account SOLID 0382. Invoke the menu HACLINQ to check the balance in
the office account SOLID 0382. Fund the respective accounts by transferring
from this office account.
 The status of the zone can be viewed using the menu HMCLZOH

Procedure for handling Cheques presented at CBS SOs

(xiv) AT CBS SUB OFFICE from where the Cheques are sent to CBS HO dealing with
Clearing for clearance
 Invoke the menu HOMSO
 Select the function “Add”. Date will appear automatically
 Click on GO

84
 In case of subsequent deposit in Savings Account, Enter customer’s savings
Account Number irrespective of where the account stands.
 In case of cheques presented through MPKBY Agent LOT, enter or select from
searcher SO SOLID0017 as Account number.
 In case of RD Subsequent Deposit at counter, enter or select from searcher, HO
SOLID0017 as Account Number.
 In case of PPF Subsequent Deposit at counter, enter or select from searcher HO
SOLID0017 as Account Number.
 For new accounts/certificates opened by cheque, enter or select from searcher,
SO SOLID0382 as Account Number.
 Enter the amount of cheque
 Enter the cheque number
 Enter the MICR code available in the cheque (this is mandatory)
 Enter the cheque date
 Enter the Tran Code as 10
 Click on Submit if only one cheque is available
 If multiple cheques are available, click on ADD and enter the cheque details of
other cheques as detailed in above steps.
 Supervisor need to verify the cheques entered using same menu HOMSO
 Select the function VERIFY and enter the date
 Data verified successfully message will be displayed
 Take the report using the menu CHLR. This menu is accessible only for
OPERATOR
 Report can be generated using menu CHLR
 Softcopy of cheques lodges can be viewed by clicking on the explode icon
 Copy the filepath from the above location
 Invoke the menu HTRFTOPC. Enter the source file name (the copied content can
be pasted here) and the destination directory
 The txt file will be copied to the said location in the local drive.
 Send this txt file along with CHEQUES to HO

Note:- Same procedure will be followed by CBS HO not dealing with clearing
house but attached with another CBS HO dealing with Clearing House.

(xv) At CBS Head Office (Dealing with Clearing House)

After entering the HO cheques through HOCTM, upload the SO/Other HO Cheques
using the procedure mentioned below:-

85
 On receipt of Physical Cheques from SO or HO alongwith list, HO will tally
cheques with list.
 Invoke HCLUPLD from supervisor menu
 Copy the .txt file received from Sub Office to the required location.
 Browse and upload the file path wherein the cheque lodged txt file is available in
the local system
 This has to be verified by the supervisor using HOCTM menu
 After verification, both the HO and SO/other HO cheques will be available in the
Outward Clearing Report.
 Suspend the zone
 Take the reports using the menu HPCLSO
 Release to shadow balance.
 If no errors are thrown, release to shadow balance will happen successfully.
 Cheques received from SOs and other HOs will be sent to Clearing House
alongwith cheques lodged at HO (received at HO counter).
 On receipt of cheque clearance scroll from Clearing house, HO will regularize the
Shadow Balance.
 Once regularized, funds will be credited to
a) Respective SB account of customer and would appear in SB Consolidation of HO.
b) Office Account 0017 of SO for cheques presented by MPKBY Agents at SO for
subsequent deposit in RD.
c) Office Account 0017 of HO for HO cheques of RD Deposits.
d) Office Account 0017 of HO for Sub Office cheques – For subsequent deposits
(RD, PPF)
e) 0382 of HO for HO cheques presented for opening new Accounts/certificates.
f) 0382 of Sub Office for cheques received from sub offices – For New account
opening.

 Amount of cheques received from SOs for RD Deposit of MPKBY Agents and for
Opening of New Accounts/Certificates will be shown as Remittance Received in
advance from SO concerned and intimation will be sent to Sub Offices via E Mail
as well as entry in SO Slip.
 Amount of subsequent deposit into Savings Accounts, RD and PPF of SOs and
HO received through clearing will be accounted for at HO. In case of Savings
Accounts, credit will happen directly on release of shadow balance and amount
will be reflected in LOT as well as Consolidation. In respect of RD and PPF, HO
has to credit the amount of each cheque in respective account after looking from
Pay-In-Slip from HOSOLID0017 office account. This amount will also appear in
HO LOT and consolidation.

86
 For new Accounts/Certificates, HO will open new accounts/certificates and fund
these accounts by debiting HOSLOID0382 office account.

(xvi) Process at SO or HO (not dealing with clearing house) on receipt of Intimation of

clearing.

 On receipt of intimation from HO, Sub Office or other HO will post the agent lists
by debiting their SOLID0017 office account.
 SO or other HO will open new accounts/certificates and fund these accounts by
debiting their SOLID0382 office account.
 SO and other HOs will account for this amount as Remittance to HO or Clearing
House HO against intimation of clearing received.

(xvii) Errors and solution

 In case after the cheques are lodged and while viewing the cheques lodged report,
a message “No records present for the given criteria “ is available in cheque
lodged report.

Reason: This is due to non verification of HOMSO by the supervisor

 It is advisable, to use searcher for typing SORT CODE, as HOMSO doesn’t

validate for the availability of SORT CODES in the database unlike ZONE. If any
SORT CODES are not available in the database uploading will fail at ZONE level.

(xviii) What to do when Posting of Inward Clearing Zone not going through.

Ans.- This issue was noticed in one of CBS post office because of the below issues .

Solution:- User failed to see from validation report in HPR that 'Total Amt. in Advice'
and 'Total No. of Instr. In Advice' in HMICZ menu was not entered hence the posting of
the zone was not going through.

(xix) Point to be remember:-

Once the zone is opened in HMICZ, the instruments are lodged in HICTM menu. Once
the instruments are all lodged and verified successfully, before suspending the zone in
HMICZ, the 'Total Amt. in Advice' and 'Total No. of Instr. In Advice' should be entered
and then the zone should be suspended.

(xx) Duplicate, Postdated instruments are getting lodged in Inward clearing zone and
postings are initiated.

For this, workaround has already been circulated by Directorate. To avoid this scenario,

87
 Click on “Show exceptions” to view the error while lodging.

 Validation run report should be compulsorily checked in HPR. Only when there are
no discrepancies in that report, postings should be initiated. Even amount and
instrument statistics should be updated properly before initiating postings. After
posting is initiated statistics cannot be modified.

(xxi) Outward reject instruments are not getting lodged in inward zone.

This is because in outward clearing zone, balance is not released to shadow balance.
Only after outward zone balance is released to shadow balance, outward rejection
instruments can be lodged in inward zone.
(xxii) Can the cheque cleared date be changed in Outward clearing?

Suppose if the cheques are sent for outward clearing on 01/08/2014 and scroll is
received on 06/08/2014 with cheque clearing date as 04/08/2014, while regularizing the
zone, cheque cleared date will be by default the current date and there is no option to
enter the actual cheque cleared date. While funding new MIS/SCSS/TD/RD/NSC/PPF
accounts opened or for subsequent deposit in RD/PPF accounts, actual cheque cleared
date should be entered in the Value date field.

(xxiii) How to handle Outstation Cheques in Finacle?

Use HIRM menu and follow below mentioned steps:-

a. Invoke the menu HIRM.

b. The details of the cheque and the account number have to be keyed in using
the Lodge option.
c. Finacle will automatically collect the collection charges.
d. Verification should be done for the lodged cheque.
e. Send the cheque physically to the outstation location.
f. If the cheque is cleared - intimation coming from outstation location - the Realize
function needs to be invoked in HIRM menu and submitted.
g. If the cheque is dishonoured - the dishonour function to be invoked and
submitted in HIRM menu option.
(xxiv) How to handle dishonoring charge when outstation cheque is dishonored.

In case of dishonor of Outstation Cheque, the user has to choose the charge event ID in
HIRM menu in change detail tab as dishonor (Not calculation just choose the only
available value).

88
(xxv) What is the procedure for outstation ' AT PAR' cheques.

Solution : At Par cheques should be treated as local cheques and entered in the
outward clearing zone with other cheques. No outstation charges should be collected
from AT Par cheques and these cheques should not be sent out just like other
Outstation Cheques.

(xxvi) Duplicate instrument Solution In all such cases, the instrument has to be
modified or marked as reject in the inward clearing process which is detailed below:-

1. In such cases , duplicate record has to be marked as Inward Reject

2. Invoke HMICZ , select function as 'Revoke Suspension' and enter the zone code
3. In HICTM menu, select modify function and click on Go.
4. Next screen click on Accept
5. If the Carve Flag is defaulted as Yes, please select it as No first and then
6. Mark the listed instruments as Inward Reject. Select the Reject* as Inward. Then
click on the Explode button beside it.
7. The below screen comes up. Enter the Reject reason code and then click on the

89
 Charges button below appearing near Accept
8. Make the charge amount as zero as the customer shouldn’t be charged due to
instrument listed twice .
9. Enter the waive reason code and then click on Accept.
10. Again click on Accept
11. Click on the explode button for the Additional details and enter the Presenting
bank sort code.
12. Once all the details are entered, click on Submit.
13. Click on Submit and verify through another user.
14. Invoke HMICZ and suspend the zone.
15. Invoke HMICZ and run 'Validation run' and 'Validation report'
16. Invoke HMICZ and Post the zone
17. Invoke HMICZ and close the zone

(xxvii) Error :- Instrument is post dated

Solution
In such cases, the below step by step process has to be followed
1.Invoke HMICZ , select function as 'Revoke Suspension' and enter the zone code
2.In HICTM menu, select modify function and click on Go.
3.Next screen click on Accept
4.The next screen shows the records which has the post dated instrument date. Modify
the record with the proper instrument date and submit
5.Verify through another user
6.Invoke HMICZ and suspend the zone.
7.Invoke HMICZ and run 'Validation run' and 'Validation report'
8.Invoke HMICZ and Post the zone
9.Invoke HMICZ and close the zone

(xxviii) Error:- Instrument type is invalid for scheme

Solution
The account 0025387513 belongs to the scheme code SBGEN, hence the issue. The
instrument type CHQ is not valid for this scheme code. If the cheque number in invalid
then also this error is thrown. The account entered here should belong to the scheme
type SBCHQ.

(xxix) Issue:- How to change from SBGEN to SBCHQ if it is a cheque account and
migrated as SBGEN and how to enter available blank cheque numbers?

90
Transfer the account to SBCHQ using the menu HACXFRSC and issue the cheques via
HICHBA menu.
(xxx) Outward Clearing Issue - Sort code not present for a particular bank and branch
combination
Issue Reported : When we lodge the Outward Cheques for clearing the sort codes
related to the concerned cheques ( Nasirabad Bank Branch Codes ) are not
being accepted by the software. So How will we enter the Bank Branch related sort
codes without having any Bank code in search option for that particular Branch of Bank.
Kindly arrange the all Bank related Codes Or some other solution for feeding.
Solution
Sort code means MICR Code.
1.The cheque can be lodged under the sort code of the 'service branch' of the same
bank, if that code is available in Finacle or any other branch code of same bank
available in data base can be selected.
2.If the sort code of the service branch ( main branch that participates in clearing for that
bank ) or any other branch is not available, then contact CEPT Team to add the missing
sort code.
3. Once the above is done, cheques can be lodged in outward clearing.

(xxxi) How to handle Outstation Cheque in Finacle?

Use HIRM menu and follow below mentioned steps:-
1. Invoke the menu HIRM.
2. The details of the cheque and the account number has to be keyed in using the
Lodge option.
3. Finacle will automatically collect the collection charges.
4. Verification should be done for the lodged cheque.
5. Send the cheque physically to the outstation location.
6. If the cheque is cleared - intimation coming from outstation location - the Realize
function needs to be invoked in HIRM menu and submitted.
7. If the cheque is dishonoured - the dishonour function to be invoked and
submitted in HIRM menu option.

(xxxii) What is the procedure for outstation ' AT PAR' cheques. For these kind of
cheques no service charge has to be collected)
Solution : At Par cheques should be treated as local cheques and should be got cleared
like other local cheques.

91
(xxxiii) Issue Reported : Error Screen shot

Solution

Please always click on the Show exception button to get the issue description.
If the cheque / instrument is not issued/ passed /stopped then this message comes up.
Even other errors are also listed related to exceptions like Insufficient available balance
, etc.

(xxxiv) Transaction posting failure in Inward clearing

Error:- There is no write permission for the scheme of the account
Solution
There is no write permission for the role id of the user who is trying to post it , hence the
issue. In HRPM menu, for the scheme code to which the above account in the

92
screenshot belongs should be given write permission. For this, contact CEPT Team as
HRPM menu is not available for post office users.

(xxxv) Unprocessed records in outward clearing for this A/c

Issue Reported : While doing SB Account conversion from SBGEN to SBCHQ by using
HACXFRSC menu for the SB Account the error showing that "Unprocessed records in
outward clearing for this A/c".
Solution :
1)Invoke HOCI (Outward Cheques Inquiry ) to know the unprocessed instruments
present for the account and get the zone details (Zone code, Zone date).
2)Invoke HOIQ and give Outward Clearing Zone Code as respective Zone Code and
Outward Clearing Zone Set ID as ALL and Outward Clearing Zone Date as respective
Zone date and get the Zone sol id from the details.
3)If zone is not regularized, invoke HMCLZOH under the respective zone sol id and
regularize and proceed further transferring the account.

(xxxvi) User is unable to create credit transactions on SBDIS accounts

Error:- The credit is not allowed for online transactions for accounts under this scheme.
Solution :
As per the scheme setting of the SBDIS scheme , no credit transaction can be
performed on SBDIS account. This can be confirmed by CEPT Team viewing the
scheme settings of SBDIS using HGSPI menu.
Error faced when credit transaction is attempted on Silent (Dormant) Account
(xxxvii) Error:- C.I.CR. TRAN ON DORMANT A/C
Solution :
As per the scheme settings, no credit transaction can be performed on Silent (Dormant)
accounts. To create transactions on such accounts:
Modify the account using CASBAM -->, change the account status to active and select
the revival date from the calendar icon.
Verify the account

93
13. Branch Office Transactions

(i) New Account Opening at BOs

When new account is opened at any BO and Account Opening Form is received at
Account Office, User has to Select Branch Office name in the field Branch Office ID. For
this, User should Go to Account opening screen of concerned scheme and click on
Branch Office Code. List of BOs with BO code will appear. Select BO from where
Account Opening Form is received for opening of account.
(ii) A/c Opening date (Branch Office date):-

While opening of account, Value date should be transaction date at Branch

Office.Other procedure for opening of account will be same as prescribed for account
opening at SO/HO. Only difference is that value date for opening of account should be
BO Date and while funding the account, BO Settlement Account (0339) is to be debited.
Savings Account is to be funded after opening of account and RD or TD Account is to
be funded while opening the account.
(iii) B.O SB Deposit at Account Office

On receipt of Pay-In-Slip from BO, PA of Account office should follow the following
process:-
a) Invoke CXFER menu.
b) Select the Function – Add
c) Select the Transaction Type / Subtype – T/BI-Bank Induced
d) DEBIT BRANCH SETTLEMENT ACCOUNT (SOLID0339) and CREDIT Customer
SB Account
e) Enter the BO Name in the Transfer Particulars column by removing the word “BY
TRANSFER”
f) Enter the amount of Deposit
g) Enter the BO date in the Value Date column
h) Click on Post
System will generate Transaction ID on posting the same. PA should note down TRAN
ID number on Pay-In-Slip in red ink (example:- TRAN ID SB-34567) and will hand over
the same to Supervisor who should verify the transaction by using same menu. Only
after verification, the transaction will appear in LOT and Consolidation.

94
(iv) BO SB withdrawal at Account Office

For withdrawals above Rs.5000/-, when SB7 is received from BO in Account Office, PA
and Supervisor will go to HACLI menu and see balance in the account. Signature of
depositor should also be compared with the available signatures in Finacle and PA as
well as Supervisor will follow the same procedure as being followed now and sanction
will be sent to BO
On receipt of SB7 from BO after payment (either up to Rs.5000/- or above Rs.5000/-)
PA of Account Office should follow the following procedure:-
 Invoke CXFER menu.

 ii) Select the Function – Add

 iii) Select the Transaction Type / Subtype – T/BI-Bank Induced

 DEBIT Customer SB Account and CREDIT BRANCH SETTLEMENT

ACCOUNT (SOLID0339)

 Enter the BO Name in the Transfer Particulars column by removing the word “BY
TRANSFER”

 Enter the amount of Deposit

 Enter the BO date in the Value Date column

 Click on Post

System will generate Transaction ID on posting the same. PA should note down TRAN
ID number on SB7 in red ink (example:- TRAN ID SB-34567) and will hand over the
same to Supervisor who should verify the transaction by using same menu. Only after
verification, the transaction will appear in LOT and Consolidation.
(v) Procedure for BO SB account closure

 When SB7A alongwith Passbook is received from BO, User will Invoke the menu
HACACCR
 Enter the details in field “Report To” as PM
 Select “INR” in CCY field
 Enter the BO SB account number in the “From A/c ID”
 Enter the same BO SB account number in the “To A/c ID”
 Click on “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 to print.

95
 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 shown in the report should be added to the 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 last working
day of the month. 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.
 Select the function “CLOSE”
 Enter the BO SB account number to close
 Click on the check box “Transfer” in Balance field
 Enter the BO Settlement account in the “Transfer A/c ID” field
 Click on Go

 The balance amount in the account will be displayed in the A/c Information tab
 Click on the “Closure” tab to select the reason code and click on “Submit”
 On clicking “Submit”, total amount along with interest will be displayed. BO SB
account will be closed and amount adjusted in BRANCH SETTLEMENT
ACCOUNT. Transaction ID generated should be noted on SB7A and submitted to
Supervisor for verification. After verification, transaction will appear in LOT and
consolidation.

(xii) B.O RD DEPOSIT at Account Office

 On receipt of Pay-In-Slip from BO, PA of Account office should follow the following
process:-
 Invoke CRDP menu.
 ii) Select the Function – Add
 ii) Select the Transaction Type – T/BI-Transfer Bank Induced
 Enter the RD account Number
 Enter the amount of Deposit
 Enter the BO date in the Value Date column
 Mode of Payment - Click on the “Transfer” Radio button
 Enter the BRANCH SETTLEMENT ACCOUNT (SOLID0339)
 Click on “Submit”

System will generate Transaction ID on posting the same. PA should note down TRAN
ID number on Pay-In-Slip in red ink (example:- TRAN ID RD-34567) and will hand over
the same to Supervisor who should verify the transaction by using same menu. Only
after verification, the transaction will appear in LOT and Consolidation.

96
(xiii) BO RD CLOSURE at Account Office

On receipt of SB7A and Passbook from BO, PA should first invoke Trial Closure for
issue of closing sanction. Same procedure should be followed as being followed for
Trial Closure of RD Accounts standing at SO/HO in Finacle. Enter closing amount in
SB7A and after following laid down process of sanction of BO W/D, Passbook and
SB7A should be sent to BO with the direction that sanction is valid only up to last
working day of the month. 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. Once
paid SB7A signed by customer duly entered in BO daily Account is received at Account
office, following process to be followed by counter PA:-
 Invoke CRDCAAC menu.

 ii) Enter the RD account number

 iii) Enter the BO date in the Value Date column

 Closure details will be displayed.

 Select the repayment mode as “Transfer”

 Enter the BRANCH SETTLEMENT ACCOUNT (SOLID0339) as Repayment ID

 Click on “Submit”

Transaction ID will be generated and PA should note that Tran ID on SB7A and hand
over to Supervisor for verification. Supervisor should verify transaction using same
menu and option “Verify”. Once, transaction is verified by Supervisor, transaction will
appear in LOT and consolidation.
(xiv) B.O Interest Payment of 2,3 & 5 Years TD accounts at Account Office

When SB7 is received from BO for sanction of interest, PA at Account Office (SO/HO).
First Invoke the menu HTDTRAN or HIOT to check the interest accrued for the said TD
account. Following procedure should be followed:-
Enter the SOL ID
Select the scheme type as None

 Enter the TD Sundry account Number

 Enter the period wherein the TD interest has accrued (Start date and end date)
 Enter the TD account number in the Ref No. field
 Click on Submit
 Accrued TD interest is displayed.

97
The interest accrued can be viewed in the HPR report. The interest accrued should be
written in the Payment Warrant (SB7) and after signature of Supervisor, send back SB-7
to BO concerned after following the laid down procedure for sending sanction to BO. On
receipt of TD SB7 after payment from BO, the following procedure has to be followed by
PA for entering the Interest paid on TD account in case of 2/3/5 TD through HTM
 Counter PA to invoke HTM menu
 Select the Function – Add
 Select the Transaction type – Cash/Cash Transfer
 Select the Transaction Type as Debit and enter the SUNDRY DEPOSIT TD account
number (0335)
 Enter the amount of TD interest paid
 Enter the BO TD account number in the reference column
 Click on GO
 Enter the BO TD account number in the Ref. No. field
 Click on GO
 Click on the required row which contains the unpaid TD interest for the said BO TD
account.
 Click on Accept
 Click on the Credit Radio Button “Credit” and enter the BRANCH SETTLEMENT
ACCOUNT (SOLID 0339) and in Ref No. field, enter TD Account number.

Click on Submit. Interest paid with respect to BO TD account in case of TD 2/3/5 is

completed.
(xv) CLOSURE OF BO TD ACCOUNT at Account Office

When SB7A is received from BO for sanction of TD closure, Invoke TD Trial closure for
the required BO TD account and send SB7A to BO concerned by filling closure amount
on Warrant by following the laid down procedure for sending sanction to BO. Before
doing Trial Closure, unpaid TD interest if any should be checked by using HTDTRAN or
HIOT menu. Total amount to be paid alongwith unpaid interest should be mentioned on
the SB7A on the Warrant of Payment Side with signatures of Supervisor. It should also
be mentioned that sanction is valid up to last working day of the month and 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. On receipt of closed voucher from
BO, the following procedure to be followed
 Invoke the menu HCAACTD.
 Select the Function (Z – Close) select closure (Trial Close selected in the screen
shot)
 Enter the BO TD account which was closed at Branch Office based on the sanction
of SO/HO.

98
 Enter the BO Date in the Closure Value Date field
 Click on SVS (Signature Verification System) icon to verify the signature in the BO
withdrawal voucher.
 Click on GO
 BO TD account details will be displayed. Check the amount of principal.
 Click on “Closure Details” Tab
 Select the R-Repayment A/c only option for BO Accounts
Enter the BRANCH SETTLEMENT ACCOUNT (SOLD ID 0339) in the Repayment
A/c ID field
 Click on “Closure Exceptions” Tab
 Enter the Branch Office Settlement Account (SOLID 0339)
 Select the Closure Reason Code as NORMAL from the Searcher
 Closure details detailing the principal, interest adjustment and actual Booked
Interest (Rs.10,000 + Rs.405.94) paid as maturity proceeds to the BO TD account
to be verified with the voucher.

Click on Submit. BO TD account closed at Branch Office is closed at Account Office.

Transaction ID Generated by the system has to be noted on the SB7A and handed over
to Supervisor for verification. After verification, transaction would appear in LOT and
Consolidation.
(xxvi) Inquiring Accounts using BO Code
Issue Reported: Clarification on how to inquire accounts using BO Code.
Solution:
Invoke HACSP menu.
Enter the Sol ID, Scheme code, Open Date (Low), Open Date (High), Free Code No.
and Free Codes fields as specified in the below screenshot.
Scheme Code for SB is SBGEN and RD is RDIPN.
Open Date (Low) and Open Date (High) are the account opening date’s. All the
accounts which are opened in this Date Range will be listed.
In Free Codes field, enter the actual BO code and select from the searcher also.
After entering all these details click on Submit.
All the accounts for the specified criteria will be displayed.

99
100
14. GENERAL ISSUES
(i) How to enter cheque details at the time of opening of account when account is
opened by cheque?

In the Account opening screens, there is a field for entering Cheque details if account is
opened by cheque. This field is meant for entering POSB Cheque only. This option is
available only for NSC, RD schemes. For other schemes, there is no option to enter the
instrument type and number. Cheque of other bank should be first lodged in the
Outward Cheque Clearing menu (HOCTM) and on realization in Office Account (0382) "
Account opened through Cheque" new account is to be opened and funded by selecting
Transfer option and enter the Office account 0382. While opening or funding account,
Cheque details should be entered in the remarks column and not in the Cheque detail
field.
(ii) How to handle cheques sent for collection before migration but clearance received
after migration. WORKAROUND FOR CHEQUES SENT FOR COLLECTION DURING
MIGRATION (ie) Cheques sent in Sanchay Post and realized Post Migration

Introduction
(a) Few cheques might have been sent for clearance during migration. (ie) Cheques
might have been sent for clearance in Sanchay Post and intimation of clearance
not received(received after go live)
(b) These cheques may pertain to MIS/RD/TD/SCSS/PPF/NSC account opening,
RD/SB/PPF subsequent deposits, RD Agent Bulk list.
(c) Due to introduction of new default fee structure, RD accounts opened from 1st to
15th may get failed if the cheques are not cleared before 15 th . Similarly RD
accounts opened from 16st till last day of the month may get failed if the cheque
is not cleared before the last working date of the month.
(d) Below mentioned workaround should be followed till such time the outward
cheques are processed through Outward Clearing Zone (HMCLZOH).

Please Note: This workaround to be used ONLY until the cheques are processed
through OUTWARD CLEARING ZONE
User to invoke CXFER MENU in finacle.
Debit SBI (Sundry) account( SOL id followed by 0007 as debit account eg
600002000007)
Credit account to vary according to the schemes listed below (0382 – Accounts Opened
by cheque account)
a. SB – Respective account number (Subsequent deposit)
b. MIS – SOLID0382 – For New Account
c. NSC - SOLID0382 – For New Account

101
 d. PPF – SOLID0382 – For New Account
e. TD – SOLID0382 - For New account
f. SCSS -SOLID0382– For New account
g. RD – SOLID0382– For New Account
h. RD Retail / Bulk – SOLID0017 (Outward Clearing account) – Subsequent
deposit
i. For RD Retail / Bulk the cheque number SHOULD BE ENTERED in the
Transaction Particular field (CXFER) without fail as described below

a. Invoke CXFER , Dr Acct and Cr Account as above and

b. Enter the cheque number in the “Transaction Particulars” field by removing
the word “BY TRANSFER”
c. Cheque number should be of 6 digits
d. If the cheque number is 00234, “0”(ZERO) in the prefix of the cheque number
should be omitted and enter as 2345 (i.e. 2345)

(iii) What is the procedure for Posting RD Bulk list

a. Operator – Invoke menu HAGTXP – Modify – E Banking Reference Number –

Agent ID- eBanking ref No. - Click on Go. Value date to be changed for
records if necessary.
b. RD Bulk list verification – Supervisor – Invoke menu HAGTXP – Verify - E
Banking Reference Number – Click on Submit

(iv) What is the Procedure for New account opening (MIS/NSC/SCSS/TD/PPF)

a. Invoke account opening menu of respective schemes

b. Enter the mandatory fields
c. Instead of cash – select Transfer and select SOLID0382 (Account opened by
cheque) for debit.

(v) What to do when user wants to inquire about Finacle menus / Work flow / Procedure
/ Assistance etc

Ans.:- In case of any enquiries regarding Finacle menus / Work flow / Procedure /
Assistance etc CBS offices should contact the Circle Level Team located at the CPC. If
it is not solved at Circle level, SPOC/any member of Circle team, may send mails
to [email protected] Ph: 044 28543481

102
(vi) How to send information about Circle CBS Monitoring Team to be stationed at CPC
to CEPT Team and Directorate.

Ans:- Information in the table below should be sent to [email protected].,

[email protected] and [email protected] with copy to
[email protected] and all the CBS offices of your Circle.

Circle Name :

Circle level team email ID :

Sl Name Land-line number Mobile number

No with STD code
1 Single Point of
Contact (SPOC)
2 User Champion -
1-Circle
3 User Champion -
2-Circle
4 User Champion -
3-Circle
5 User Champion -
4- Circle
6 User Champion -
5- Circle
(vii) .- What is the email ID of FSI Help Desk and its Toll Free contact number? What is
escalation method if no response is received?

FSI HELP DESK - Infosys :

In case of any issues / errors / technical problems in Finacle, it should be reported

to [email protected] before 5 pm BY CPC. Post Offices will send
issues to CPC Team.

Help Desk Toll free number 18001039474

Escalation : In case FSI helpdesk-Infosys fails to provide Ticket number / Resolution

with in 2 hours, escalate it to [email protected]

(viii) How and to whom Network Related issues be reported?

Net work issues :

Sify toll free number : 18603458888, 044 – 22540985
Sify email ID : [email protected]

103
Portal :http://servicedesk.indiapost.gov.in:8080
If not resolved within 4 working hours, escalate it to
Circle level Contact person (Sify) :

(ix) in HTTUM menu multiple times salary or pension is getting uploaded.

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, we need to wait for minimum 30 minutes before
uploading the same file again.
In case multiple postings are initiated due to multiple time uploading, SPOCs should be
immediately contacted for reversal entry. HTTUM postings report can be taken from
HFINRPT menu.
(x) .Funding for new accounts:

Funding not allowed for TDA products(NSC/MIS/TD/SCSS) after account creation.

Except for SB and PPF, for all other schemes funding should be done at the time of
creation of account by selecting Transaction as Yes.
(xi) HREVPEND not enabled for user

After marking “pend’ for a particular cheque using HMARKPEN in supervisor login, it
can be revoked only by Postmaster using HREVPEND.
(xii). Transfer of accounts from one CBS Post Office to another CBS Office.

Use HACXFSOL menu for transfer of account from one CBS Post Office to another
CBS Post Office. In menu HACXFSOL, account number should be entered mandatorily.
If it is not done, all accounts of a scheme will be transferred. Therefore, extra care must
be taken before invoking that menu for transfer of individual accounts.
(xiii). Claim closures of TDA products are deducting discount even after updating CIF

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.
(xiv). CIF modification in case of migrated data throwing an error.
While migrating, the DOB and Gender Status have been set as “01/07/1960” and
“others” respectively by default. While doing modification for migrated CIF, date of birth
along with gender also has to be modified and saved. This has to be verified by the
Supervisors.

104
(xv). Enquiry of transaction;

To inquire the transaction details of a particular Tran ID, in HTM menu, “inquire” function
can be used with proper transaction date. Entered and verified details of the transaction
can be known in the detailed screen by clicking on other part transaction. Transaction
inquiry can also be done by using menu HFTI.
(xvi). Transaction not getting posted in CTM/HTM menu

Solution :
The user who is trying to do the operation doesn’t have a teller account linked to his
employee id, hence the issue.
Either the teller should post the transaction or the user trying to post the transaction
should have a teller account attached to his employee id.
(xvii) . Menu not available to particular user

Issue Reported : When the user tried to invoke any menu, an error is displayed as
Menu Not avaialble for the user.
Solution : Please contact CEPT Team at Chennai for the required access to be given
to the specified user for the particular menu id.

(xviii) User already logged in and User Account got locked.

Issue Reported : When the user tried to close the browser with out proper logout, again
on log in, it gives error message as User Already logged in.
Solution : Please contact DOP Operations Team at Chennai for the unlocking the user
id.

(xix) User_Menu_ID is undefined

Issue Reported : When the user tried to login and invoke any menu, it gives an error
message as User_Menu_ID is undefined.
Temporary Solution : Logout from Finacle Application. Make Internet Browser as your
default browser. Press F-12, Clear all cookies and history. Then try to Login through
default browser i.e (Internet Explorer)
(xx) Finacle Not Available or Finacle is Down

Instructions for Users at Post Office

The below list of instructions is for the users at the Post offices to raise a helpdesk
request during CBS-Finacle connectivity issues ( Finacle not accessible)

105
The IncidentReporting.jsp page has to be typed in the browser, the complete path of
which can be like http://DOPFSIHELP/.....incidentReporting.jsp (to be provided once
the page is made active)

The below page appears with the details of the user’s computer on the left panel and a
section to enter the user details on the right panel.

The fields which are marked with an asterisk (*) are mandatory.

 The city of the user can be chosen from the dropdown provided

 On selection of a city, all the pin codes under the city are shown in the Pin Code
dropdown

106
 On selection of a pin code, all the post offices under the pin code are shown
in the Post Office Name dropdown with the first one selected

 On entering all the mandatory fields and a valid 10 digit contact number , the
submit button has to be clicked

107
 On successful submission of the page with the user computer details and the user
details, the confirmation page appears

108
(xxi) Issue Reported :
Initially 2 systems are connected with Finacle. Later on when 2 new system are
connected, they are not working properly.

Solution : For the newly added two systems, desktop configuration is not done. Once
the configuration is completed as per the provided PDF, it started working fine.

(xxii) Desktop Setting ( Browser setting, Security settings, JRE version etc.)
For the Finacle CBS application, the configuration details are specified in the below
attached zip file.

F in acle Desktop
settin g version 1 1. zip

(xxiii) Salary-DA-Bonus/Pension-DA/BO (MGNREGS) Payments upload process in

Finacle.

Creation of excel file

For pension credits, an excel file containing Finacle Account number, Credit Amount
and PPO Number should be generated separately. List of pension accounts can be
generated using HACSP menu in Finacle, specifying scheme as SBPEN (pension
accounts without cheque) / SBPWC (pension accounts with cheque).
For salary credits, an excel file containing Finacle Account number, Credit Amount and
remarks (eg. Salary for Feb.14) should be generated separately.
For debiting individual BO SB accounts after payment of NREGS payment, a debit
option has been provided. Debit option is to be selected and the option ‘OTHERS’
is to be selected; SOL ID is to be entered. Excel file should contain only Finacle
account number, Debit Amount and remarks (eg. NREGS payment). BO
settlement account 0339 will be credited.
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.

109
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.

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 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.
 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 into finacle
format using ‘TTUM.exe’.

110
  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 (here 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 for each account.
 Salary and Pension account will always be in Credit (-ve) to that extent of salary
and pension payment made.
 The 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 through TTUM upload.

(xxiv) Transfer of Accounts

 Advice of Transfer(AT) issued by a non CBS HO received at CBS HO or SO.

Account Holder should be contacted and requested to provide name of any nearby non
CBS Post Office for opening of account. On getting such information, account will be
opened on transfer in that office.
 An account holder applies for transfer of account to any other HO or SO at
CBS or Non CBS Post Office.

Postmaster or Sub Postmaster of SO/HO where transfer of account is applied will go to

DMCC Chennai website to see list of CBS Post Offices and confirm that post office to
which transfer is applied is not a CBS Post Office. If SO is completely manual and
unable to see the list, it will be the duty of HO that before issue of AT, list should be
consulted and if that post office is already in the list of CBS Post Offices, AT should not

111
be issued. Account holder should be contacted and asked to submit name of any
nearby non CBS post office.
(xxv) Inter CBS Post office Transactions (INTERSOL TRANSACTIONS)

In CBS environment, transactions can be initiated in any CBS Post Office. Any
depositor of Savings, RD, TD, MIS, SCSS, PPF or Certificates can initiate transaction
either Financial or Non-Financial at any CBS Post Office. Transaction will appear in the
Report No.19 i.e Common Counter Wise Transactions Report-Inter Branch of the office
where transaction is initiated. 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.
In respect of withdrawal from savings Account for more than for Rs. 50,000/- , it should
be allowed only if required KYC documents of the account holder (s) have been taken.
In respect of accepting deposits, no extra care is required to be taken. As regards,
payment of maturity value of MIS/RD/SCSS/TD/PPF/Certificates, payment should be
made by crossed cheque or credit to Savings Account (where appropriate KYC
documents have been taken). Non Financial transaction means modification in account
or CIF. This can also be initiated at any CBS Post Office but it should be supported by
documentary proof. This document and application for modification (to be taken on A4
size paper) should be sent to concerned CPC where modification is being done for
scanning and attaching to CIF. Please ensure that all Financial or Non Financial
Transactions should be verified by Supervisor/SPM at the same office and same time
when initiated.
(xxvi) A customer wants to do re-investment of matured amount in CBS post office.

In case, depositor wants re-investment from one scheme's maturity value to another
scheme, total maturity value+interest should be credited/deposited to his/her savings
account and then amount to be invested should be debited/withdrawn from this savings
account and credited/deposited in the concerned new account.

(xxvii) How to change name of depositor in Finacle?

Procedure for changing the name in Account details

( in case of name change, use menu (HAALM)
Scenario
A customer has changed the name in Gazette and wants to change the name in all the
accounts.
1. Invoke the menu CMRC and select the function MODIFY
a) Change the required Last name, Preferred name and short name
b) Click on Submit
2. Verify the modified details using CMRC menu
3. The Name change done in CIF will not get effected in Account level as this CIF
has already been linked.

112
 4. Now to correct the name in account details, invoke the menu HAALM from
operator
a) Select the function MODIFY
b) Enter the account number wherein the name change has to be done
c) Click on GO
5. The old account details will be displayed
6. Required name to be changed in A/c Name and A/c Short name fields
7. An exception will be thrown, click on Accept
8. Verify the same using HAALM in Supervisor login
9. An exception error will be thrown. Click on Accept
10. Name has been changed successfully in the PPF account

(xxviii) SIGNATURE RELATED ISSUES

(a) Signature not uploaded properly
If signature is not uploaded in Finacle, system will show “No Matched Signatures and
Photographs”
(b) Signature not migrated due to huge size.
Any signatures present in Sanchay Post database which is above 30kb size shall be
dropped while migrating in Finacle. After the data upload, as a part of the recon details,
Infosys shall provide the details of signatures dropped during upload. POs need to
ensure that when the customer whose signtaure is dropped comes to the PO, fresh
signature mandate is captured using the KYC Form and form shall be sent to CPC for
scanning and upload of signature in Finacle.
(c) Signature related errors
Issue:- Security Exception Error.
Solution: Please check the desktop settings and then try viewing the signature.
(d) Issue:- Signature/photograph view issue
Error “Unable to display the image. The image maybe not available or corrupt.
Solution
Check for the signature view from other user id and other Post Office.Issue may be with
the desktop settings.

(xxix) Issue:- InValid Access!User does not have access to this menu.
Solution: Issue should be reported to CEPT Team thorough CPC. The issue is present
due to the access not provided to the particular user. The changes have to done in the
user creation by modifying the USER GROUP NAME to ADMIN

113
(xxx) Which are the Office Accounts to be used by Counter PAs and Supervisors?

Account number
i.e SOL ID number
followed by
following last
digits( for example
if SOL ID is
78100100, the
office account
Office number will be Purpose for
Account 78001000405,0339 which account is
Description etc.) to be used Process to be followed
Vault 0405 For entering At the start of day's
Account transfer of cash operations, each Counter
received or PA has to credit this Vault
returned to Account and Debit his
Treasurer by each Teller Account.
teller(counter) Supervisor/SPM has to
verify this Transaction ID.
At the end of the day,
each Counter PA will tally
his cash with balance in
the account and credit
this account for the whole
cash and debit Vault
Account to make Teller
Cash Account as Zero.
Supervisor/SPM has to
verify this Transaction
and will be responsible
for making all Teller
Accounts as Zero before
leaving the offices.
BO 0339 For entering One Supervisor/SPM
Settlement transactions should take print out of
Account received from Bos the ledger copy of this
duly entered in BO account by invoking
Daily Account. At HACLPOA and tally all
present this is a the credit and debit
common account entries with the BO
for all Bos and all Summery on daily basis.

114
 schemes. In future,
on the day of go
live, separate
office account
number for each
BO and each
scheme i.e SB, RD
and TD will be
intimated to the
post office having
BOs and user has
to select the
relevant BO office
account while
posting BO
transaction.
Detailed process
of BOs will be
circulated
separately.
Post Masters 0340 For credit of One Supervisor/SPM
cheque maturity should take print out of
account Value+Interest or the ledger copy of this
premature account by invoking
value+Interest to HACLPOA and tally all
be paid through the credit entries with the
Postmaster Postmaster Cheques
Cheque(to be issued against the
selected as re- maturity on daily basis.
payments account
when payment is
to be made by
Postmaster
Cheque to
customers)
For lodging of non Total amount credited in
New Account POSB Cheques in this account and debited
opening case of opening of from this account should
RD/TD/MIS/ new accounts of be cross verified by one
SCSS/PPF/C RD/TD/MIS/SCSS/ Supervisor/SPM by
ertificates by PPF and purchase taking print out of the
0382
other bank of certificates. ledger copy of this

115
Cheque. After clearance, account by invoking
amount will be HACLPOA with the SB
credited into this Clearance taken into HO
account. After Summery or SO Daily
Clearing, while Account. Supervisor has
opening accounts, to ensure that balance at
amount to be the end of each day in
debited/withdrawn this account is Zero i.e
from this account against all the credits
and received after clearance,
credited/deposited amount should be
in the concerned debited from this account
account of and concerned accounts
customer. are credited.
Total debit and credit in
Any amount this account should be
received/to be paid cross verified by one
by SBMO/MO is to Supervisor/SPM with MO
be Issue or MO Paid branch
debited/withdrawn on daily basis by taking
Money Order or print out of the ledger
transfer credited/deposited copy of this account by
Account 0385 from this account. invoking HACLPOA.
In case, depositor One Supervisor/SPM
wants re- should take print out of
investment from the ledger copy of this
one scheme's office account by invoking
maturity value to HACLPOA and cross
another scheme, verify all debits and
total maturity credits with
value+interest corresponding re-
should be investment entries in the
credited/deposited LOTs on daily basis.
under this account Supervisor has to ensure
and then amount that balance at the end of
to be invested each day in this account
should be is Zero i.e against all the
debited/withdrawn credits entered for re-
from this account investment, amount
Deposit
and should be debited from
Reinvestmen
credited/deposited this account and
t Account 0387
in the concerned concerned accounts are

116
 new account. credited or remaining
Remaining amount amount is paid.
can be paid by
cash from this
account to the
customer.

If this account is used for

credit or refund of default
fee in any case, ledger
For credit/debit of copy of this account is to
RD RD Default fee be taken by one
DEFAULT collected or Supervisor or SPM and
FEE Account 0384 refunded. tally with the RD LOT.
When any PPF Account
To be used for is transferred out or in
credit/debit the from Bank or Non-CBS
amount post office, debit or credit
received/paid will be made in this
from/to Bank on account. Whenever any
account of transfer PPF Account transfer is
in/out of PPF invoked, one Supervisor
Account and then or SPM has to take print
debit/credit this out of ledger copy of this
account and account and tally with
credit/debit PPF LOT against
PPF Transit customer PPF corresponding entry of
Account 0322 Account. closure and opening.
To be used for When any SCSS Account
credit/debit the is transferred out or in
amount from Bank or Non-CBS
received/paid post office, debit or credit
from/to Bank or will be made in this
Non CBS Post account. Whenever any
Office on account PPF Account transfer is
of transfer in/out of invoked, one Supervisor
SCSS Account or SPM has to take print
and then out of ledger copy of this
SCSS
debit/credit this account and tally with
Transit
account and SCSS LOT against
Account 0437
credit/debit corresponding entry of

117
 customer SCSS closure and opening.
Account.
It is a pointing account
and while paying interest,
counter PA and
Supervisor has to ensure
Sundry that SCSS Account
Deposit number is entered in the
SCSS - For paying Reference number field.
Interest quarterly interest in Otherwise transaction will
payments 0338 case of SCSS not be reflected in LOT.
It is a pointing account
and while paying interest,
counter PA and
Supervisor has to ensure
that TD Account number
SUNDRY is entered in the
DEPOSIT TD For paying yearly Reference number field.
Interest interest in case of Otherwise transaction will
payment 0335 TD not be reflected in LOT.
It is a pointing account
and while paying interest,
counter PA and
Supervisor has to ensure
that MIS Account number
SUNDRY is entered in the
DEPOSIT For paying monthly Reference number field.
MIS Interest interest in case of Otherwise transaction will
payment 0337 MIS not be reflected in LOT.
For lodging of One Supervisor or SPM
cheques presented has to take print out of
by MPKBY Agents ledger copy of this
Clearing Cr.. with LOT and account and cross verify
A/C. Outward subsequent the amount of remittance
Clearing deposit in RD and to Bank or HO on daily
Account 0017 PPF at Counter. basis.
For giving
One Supervisor or SPM
Clearing Dr. clearance of POSB
has to take print out of
A/c. Inward cheque received
ledger copy of this
Clearing 0101 for clearing.
account and cross verify

118
 the amount of drawn from
Bank or received from
HO on daily basis.
One Supervisor or SPM
has to take print out of
ledger copy of this
For credit of account and cross verify
MIS/SCSS interest the amount with ECS
ECS on due date and LOT and drawn from
Suspense debit on the day of Bank or received from
Account 0098 clearance. HO on daily basis.
One Supervisor or SPM
has to take print out of
ledger copy of this
Outward account and cross verify
Credit ECS For outward ECS the amount of remittance
Settlement Cr. After receipt of to Bank or HO on daily
Account 0096 clearance. basis.
One Supervisor or SPM
has to take print out of
ledger copy of this
account and cross verify
Outstation For Dr. Outstation the amount of remittance
Cheque Cheque clearing to Bank or HO on daily
Clearing 0110 advice amount basis.
For crediting pension in
multiple accounts, this
account is to be debited.
One Supervisor or SPM
has to take print out of
Ledger Copy of this
account at the end of the
day and tally the total
For credit of amount debited with the
Pension Pension (Postal, Pension credit shown in
Upload Telecom, HO Summery or SO Daily
Account (Dr.) 0408 Railways) Account.
Salary
For crediting salary in
Upload
multiple accounts, this
Account (Dr.) 0409 For credit of Salary
account is to be debited.

119
 One Supervisor or SPM
has to take print out of
Ledger Copy of this
account at the end of the
day and tally the total
amount debited with the
Salary credit shown in
HO Summery or SO Daily
Account.
For crediting Government
Benefits under DBT in
multiple accounts, this
account is to be debited.
One Supervisor or SPM
has to take print out of
Ledger Copy of this
For credit of account at the end of the
NREGA, Old day and tally the total
Age/Disabled/Wido amount debited with the
w Pension and DBT amount credit
DBT Upload other Govt. shown in HO Summery or
Account (Dr.) 0410 benefits. SO Daily Account.
Discontinued Scheme Accounts
Office Accounts to be used for payment of Principal Amount Invested
MAHILA The procedure for
For Payment SAMRIDHI YOJNA payment of principal
of principal 0138 (MSY) amount of discontinued
schemes to be followed
For Payment
is :
of principal 0139 FD 5 YEARS
COMPULSORY Invoke HTM in counter
For Payment DEPOSIT PA login.
of principal 0140 SCHEME 1963
Select the relevant office
For Payment account as debit account
of principal 0141 5 YEARS CTD and enter the old
For Payment registration number or old
of principal 0142 10 YEARS CTD account number in Ref.
No. column in the main
0143 15 YEARS CTD screen.
For Payment

120
of principal
Select 'A - Additional Part
For Payment INDIRA VIKAS
Transaction Details'. Click
of principal 0144 PATRAS
on 'GO'.
NATIONAL
For Payment DEVELOPMENT In 'Transaction
of principal 0145 BONDS Maintenance - Minor
Subsidiaries Details'
For Payment screen, don't enter
of principal 0146 10 YEARS SSC anything in start amt. field
NATIONAL and end amt. field. In Ref.
DEFENCE No. enter the old
For Payment CERTIFICATE registration number or old
of principal 0147 12Y account number.

10 YEARS In Filter, select 'U -

DEFENCE Unresponded' and click
For Payment DEPOSIT on 'GO'. Then, the details
of principal 0148 CERTIFICATES. will be displayed. Enter
the amount and click on
NATIONAL
Accept.
SAVINGS
For Payment ANNUITY Supervisor has to verify
of principal 0149 CERTIFICATES this transaction and
Discharge Journal has to
12 YEARS
be prepared manually.
NATIONAL PLAN
For Payment SAVINGS Amount paid can be
of principal 0150 CERTIFICA verified from Office
Account LOT or
10 YEARS
Discontinued Scheme
NATIONAL PLAN
LOT.
For Payment SAVINGS
of principal 0151 CERTIFICA Amount is either to be
paid by Postmaster
12 YEARS
Cheque or Credit into
NATIONAL
savings account. No cash
For Payment SAVINGS
payment should be
of principal 0152 CERTIFICATES
made.
7 YEARS
For payment through
NATIONAL
Postmaster Cheque, In
For Payment SAVINGS
HTM screen, click on
of principal 0153 CERTIFICATE
ADD and then select

121
 5 YEAR ‘Credit’ option.
NATIONAL
Enter Postmaster
For Payment SAVINGS
Cheque account 0340
of principal 0154 CERTIFICATES
(for issuing Postmaster
For Payment cheque).
of principal 0155 NSC 1ST ISSUE
For credit into Post Office
For Payment Savings Account, In HTM
of principal 0156 NSC II-ISSUE screen, click on ADD and
then select ‘Credit’
For Payment option.
of principal 0157 NSC ( III-ISSUE)
Enter the SB account
For Payment number if customer is
of principal 0158 NSC ( IV-ISSUE) having any SB account in
For Payment any CBS Post Office.
of principal 0159 NSC ( V-ISSUE) .
For Payment
of principal 0160 NSC (VI-ISSUE)
For Payment
of principal 0161 NSC (VII-ISSUE)
For Payment 10 YEARS NSC I
of principal 0162 ISSUE
For Payment 5 YEAR PO CASH
of principal 0163 CERTIFICATES

Office Accounts to be used for Payment of Interest (if any) to be calculated manually.
For Payment INTEREST ON10 The procedure for
of Interest 0411 YEARS CTD payment of principal
amount of discontinued
For Payment INTEREST ON15
schemes to be followed
of Interest 0412 YEARS CTD
is :
For Payment INTEREST ON FD
of Interest 0413 5 YEARS Calculate Interest amount
For Payment INTEREST ON 10 manually
of Interest 0414 YEARS SSC Invoke HTM in counter
PA login.
INTEREST ON
For Payment
NATIONAL Select the relevant office
of Interest 0415
DEFENCE

122
 CERTIFICATE account as debit account
and enter the old
INTEREST ON 10
registration number or old
For Payment YEARS DEFENCE
account number in Ref.
of Interest 0416 DEPOSIT CER
No. column in the main
INTEREST ON screen.
NATIONAL
For Payment SAVINGS Select 'A - Additional Part
of Interest 0417 ANNUITY CER Transaction Details'. Click
on 'GO'.
INTEREST ON
MAHILA In 'Transaction
For Payment SAMRIDHI YOJNA Maintenance - Minor
of Interest 0418 (MSY) Subsidiaries Details'
INTEREST ON screen, enter amount of
COMPULSORY interest calculated
For Payment DEPOSIT SCM manually in start amt.
of Interest 0419 1963 field and end amt. field. In
Ref. No. enter the old
INTEREST ON registration number or old
For Payment INDIRA VIKAS account number.
of Interest 0420 PATRAS
Supervisor has to verify
INTEREST ON
this transaction and
NATIONAL
Discharge Journal has to
For Payment DEVELOPMENT
be prepared manually.
of Interest 0421 BONDS
Amount paid can be
INTEREST ON 12
verified from Office
For Payment YR NAT PLAN
Account LOT or
of Interest 0422 SAVING CERTI
Discontinued Scheme
INTEREST ON 10 LOT.
For Payment YEAR NAT PLAN
Amount is either to be
of Interest 0423 SAVING CERT
paid by Postmaster
INTEREST ON 12 Cheque or Credit into
For Payment YEARS NAT savings account. No cash
of Interest 0424 SAVING CERTI payment should be
made.
INTEREST ON 7
For Payment YEARS NAT For payment through
of Interest 0425 SAVING CERTI Postmaster Cheque, In
HTM screen, click on
INTEREST ON 5 ADD and then select
0426
For Payment YEAR NATIONAL

123
of Interest SAVINGS CERT ‘Credit’ option.
For Payment INTEREST ON Enter Postmaster
of Interest 0427 NSC 1ST ISSUE Cheque account 0340
(for issuing Postmaster
For Payment INTEREST ON cheque).
of Interest 0428 NSC II-ISSUE
For credit into Post Office
For Payment INTEREST ON Savings Account, In HTM
of Interest 0429 NSC ( III-ISSUE) screen, click on ADD and
For Payment INTEREST ON then select ‘Credit’
of Interest 0430 NSC ( IV-ISSUE) option.

For Payment INTEREST ON Enter the SB account

of Interest 0431 NSC ( V-ISSUE) number if customer is
having any SB account in
For Payment INTEREST ON any CBS Post Office.
of Interest 0432 NSC (VI-ISSUE)
For Payment INTEREST ON
of Interest 0433 NSC (VII-ISSUE)
INTEREST ON 10
For Payment YEARS NSC I
of Interest 0434 ISSUE
INTEREST ON 5
For Payment YEAR PO CASH
of Interest 0435 CERTIFICATES
For Payment INTEREST ON 5
of Interest 0436 YEARS CTD

(xxxi) SB Tellerwise Report(Savings LOT) - transactions of a user missing

Issue Reported : When Tellerwise report (Savings LOT) is generated for a Sol/Set Id,
transactions created by some users will not be reflected in the report
Solution : The Tellerwise report only displays those transactions that were created by
users who have cash accounts linked to their ids. If a user doesn’t have cash linked to
his/her id, then such transactions will not be listed in the report. .
Error while doing a transaction in CTM menu

124
15. END OF DAY ISSUES

(i) In SOL status inquiry, EOD event not in progress is shown but SOL status is shown
as SOL DATE CHANGED.

In such scenario, invoke HSCOD menu by selecting RUN ONLY POST DATED
CHANGE BATCH JOBS option and check the SOL status in HSSI.
(ii) Steps to ensure a fast EOD

Supervisor should not wait for verification of transactions in the evening. This should be
done regularly after every 30 minutes,
Identify all the transactions which are in Entered Status and un-Posted/Partially posted
status.
These Transactions needs to be verified in each post office by using relevant menu at
the earliest and before the EOD starts.
If still any transaction is not getting posted then use HTM to post that transaction.
If still transaction is not getting posted, contact FSI Helpdesk immediately.
(iii) Steps to Inquire EOD blocking validations.

Pending Transactions, Unposted, unverified transactions – HFTI menu should be used.

 Pending inward Zone to be closed - HIMCZ/HICTM menu should be used.
 Pending Non Financial Unverified Accounts – HAFI menu should be used
 Pending Unverified Inventory Transaction List – HIMC/HICHB
 HSVALRPT report can be invoked to view the blocking validation for each sol.

125
16. Difference between Sanchay Post & Finacle

(i) Post Office ID.

 In Finacle, each Departmental Post Office is called as Service Outlet (SOL) and
allotted a ID which is called as SOL ID.
 Combinations of different SOLs in Finacle is called SOL Set and separate SOL Set ID
is allotted for each type of sets.
 Each Branch Post office will be allotted a separate Code during migration which needs
to be selected at the time of doing BO transactions from account opening screen.
(ii) Account Number.

 In Finacle, account no. is called as Account ID. Account number will be generated by
the Finacle CBS application randomly and will be in 10 digits.
 From the Account ID, you cannot identify the scheme as it has no such indication.
 Every Transaction will be given a Transaction ID in Finacle CBS and Counter PA has
to write Transaction ID on the voucher.
 Supervisor has to ensure while verifying that Tran-ID is written on the voucher.
 From the Tran-ID, anyone one can see the details of the transaction.

(iii) Handling of Cash.

 In Finacle, cash is handled through VAULT.

 All Counter Pas are called as Tellers and each Teller is allotted Teller Cash Account.
 Cash taken from Treasurer is to be first entered in Teller’s cash account and main
Vault account of the Supervisor by each Counter PA(Teller).
 Supervisor will verify these entries in the Finacle CBS Application. Only after this, a
cash transaction can be done by Counter PA.
 All cash receipts and payments done at the counter are entered into Teller Cash
Account automatically.
 Each Counter PA(Teller) has to tally his cash at the close of the counter with his Teller
Cash Account.
 After tallying cash, all Counter PAs will return cash through Finacle Teller Cash
Account to Supervisor’s Vault who in turn will verify these entries.
 Physical cash will continue to be taken by Counter Pas from Treasurer and Counter
Pas will also continue to return physical cash to Treasurer.
 Supervisor has to ensure at the day end that Teller Cash Account of each Teller
(Counter PA) is Zero.

(iv) Creation of Customer Information File (CIF)

 In Finacle, for every depositor, CIF has to be created. CIF Number will be in 9 digits
generated by the system.
 Before creation of CIF, a de-dupe check has to carried out for checking as to whether
the customer is already having any CIF.

126
 At the time of migration, new CIF will be created for each depositor or guardian.
 CNAC is the menu in Finacle CBS to look the CIF and new account number generated
against old account number during migration. Invoke the menu CNAC – In the Old
account number field - enter the soldid,Scheme and old account number. For eg:
MISaccount No. 1642 of TNagar SOL is to be entered as

60001700MIS1642

and click on Submit.

CIF, New Account Number and Scheme for the above mentioned old account number will be
displayed.

 Counter PA has to write new CIF and Account number in the Passbook of old
customers as and when it is presented for transaction.
 All accounts of a customer will be attached with the CIF in Finacle CBS.
 By entering CIF no,, detail of all investments of the customer can be seen by invoking
menu HCRV.

 On implementation of Finacle CBS application, while opening new accounts by using

new Account Opening Form (AOF), additional signatures of depositor(s) to be taken on
perforated slip for Savings Account Holders who are able to sign.
 This signature slip needs to be pasted on the SS Book for reference at the time of
withdrawal till scanned image of signatures are uploaded into Finacle by Circle
Processing Centre (CPC).
 This is to be implemented in HOs as well as SOs after migration to CBS.

 In Finacle CBS, entering of Date of Birth for all accounts is mandatory.

 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.

 Since entering of Date of Birth is mandatory in Finacle CBS, 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.
 Counter PA has to take fresh Account Opening Form with fresh KYC of the depositors
after attaining age of 18 years and change status of account from minor to normal.

(v) Funding of Account (Deposit while opening of account).

 In Finacle, deposit is called as Funding.

 Savings and PPF Account cannot be funded during account opening.
 Funding has to be done after opening of Savings and PPF Accounts.
 In case of other types of accounts/certificates, funding has to be done while opening

127
 the accounts.

(vi) Issue of Certificates

 In Finacle account number will be generated against each certificate issued

 Same process is also applicable to existing certificates and account against each
certificate will be created during migration.
 Suppose a registration number contains 25 NS/KVP certificates, and if the nomination
is to be changed/added after migration, nomination modification has to be done for
each and every accounts separately, But while account opening, if nomination details
are entered once, the same will get replicated to all 25 accounts.

(vii) Minimum deposit/withdrawal in Savings Account

 Finacle CBS has no such validation for minimum deposit. Counter PA and Supervisor
has to ensure that no deposit and withdrawal of less than Rs.5/- is accepted from
depositor.

(viii) Interest in MIS/TD/SCSS Accounts.

 In Finacle, Interest is not credited to the MIS/TD/ SCSS Accounts.

 As a batch process, interest in all these three categories of accounts is calculated and
credited into repayment account.
 If depositor is having savings account in any CBS post office, interest will be
automatically credited into Savings Account of the depositor during batch process.
 Otherwise, interest will be credited into Sundry MIS/SCSS/TD Office Accounts created
for each such scheme.
 For payment of interest, by cash, Counter has to pay interest from Sundry Office
account.

(ix) Transfer of Certificates from one person to another.

 Process of inventory of certificates and cheque books is different in Finacle CBS

application.
 In Finacle CBS application, CIF is to be created for all new depositors.
 Before creation of new CIF, a de-dupe check has to be made for checking about the
existence of the customer.
 New CIF is to be created for the new customer whose name is going to be added or in
whose name NSCs are going to be transferred.
 New CIF is to be attached with the existing accounts created against each certificate.
This is required to be done for each certificate transferred.
 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.
 In case of single to joint, name of new customer is to be added on the existing

128
 certificate.
 Transfer of certificate from one person to another is to be done only once from date of
issue to date of discharge.

(x) Issue of Certificates in Sanchay and Finacle.

 In Finacle CBS application, issue of certificate from stock is linked to the printing of
certificate.
 Even if printer is not working or not available, Counter PA has to invoke the menu of
printing a certificate to issue certificate.
 Mere issuing a certificate would not reduce the certificate balance. Only after using
print command is executed (HDRP), the certificate balance from stock is
reduced. Before handing over certificates to holder, ensure that certificates are
attached with the account number/Registration number.

(xi) Issue of certificates when stock is not available.

 In Finacle CBS System, in such cases, receipt from NC4(a) has to be issued to the
customer and it should be ensured that only those denominations should be selected
while opening account which can be made available in the near future on receipt of
stock as denomination once selected cannot be changed later.

 An account is opened against each certificate in Finacle CBS and Counter PA has to
enter the NC4(a) receipt number in the relevant field in Finacle CBS.

 Once, certificates of same denomination are received in stock, the Counter PA has to
print certificates against account created under NC4(a).

 Even if the printer is not ready or not working, the Counter PA has to give print
command in Finacle so that Certificates will be attached against the accounts opened.

 Certificates can be filled by Hand also. Any user or visiting officer or inspecting officer
or even, DAP officer, Divisional Office, Regional Office or Circle Office can watch the
pending NC4(a)’s issued by any post office against which certificates are not issued
through a report.

(xii) Acceptance of Bulk RD Deposits of MPKBY Agents.

 Finacle CBS does not have the facility to accept deposit in bulk and post the
transactions later with back date.
 Posting has to be done on the day of receipt.
 Therefore, after Migration to CBS, RD Bulk Lists are to be accepted only through Agent
Portal.
 In Finacle CBS Application, there is no provision to accept accounts linked to
MPKBY/PRSG Agents/Leaders at counter.

129
 For bulk acceptance of RD deposits from MPKBY Agents/PRSG Leaders, an Agent
Portal has been developed which can be accessed through DOP website using
internet.
 Any RD account during opening or after opening can be attached with any MPKBY
Agent/PRSG Leaders.
 Once account is attached to the agent, deposit cannot be accepted at the counter in
that account unless depositor gives in writing to cancel the attachment with agent.
 During migration, all accounts already attached with a particular agent in Sanchay Post
will be attached with the same agent in Finacle CBS application.
 All MPKBY agents will be issued Login ID and Password to operate Agent Portal.
 When agent logs in to Agent Portal, all live RD accounts attached with the agent will be
visible to the agent.
 Agent can select the installment month. Default fee/ rebate will be calculated by the
system.
 Agent can select three different modes of deposits i.e cash, by POSB Cheque and by
any other Bank Cheque.
 When agent selects cash as mode of deposit, system will stop entries, once limit of
Rs.10,000/- is reached.
 System will generate one reference number against each List.
 Agent can print the LIST by using any printer.
 When agent comes to the post office with printed List(s) with either cash/POSB
Cheque/other Bank Cheques having reference numbers against each list.
 Counter PA will enter the reference number printed on the List and will be able to see
the List(s) presented.
 Counter PA will compare all the entries in the printed List with that in the Finacle CBS
and see that there is no change in the default fee or rebate on the day of presentation
and accept the List after counting cash or POSB Cheques.
 CBS System will once again validate all the entries in the Finacle Core Banking
Solution application and accept the deposits.
 If any deposit is rejected, Counter PA can print the revised LIST and return the excess
money to agent.
 Counter PA will post the eBanking reference ID and then Supervisor has to verify the
posting.
 Only, after Supervisor verifies the posting the list amount would be reflected in the
LOT(Report No. 5 - Agent listwise consolidation report).
 Agent commission will be automatically credited into Agent’s savings account after
deducting the TDS.
 In case of other Bank cheques, Counter PA will not post the entries.
 Cheque will first be sent for clearance after lodging them into Office Account called,
“””Outward clearing account 0017”
 Once credit comes into this office account, the LIST is to be posted and system will
debit that Office Account.
 All entries of all agent Lists will then be printed in the Counter LOT after verification by
Supervisor.

130
 In case, any agent finds it difficult to operate Agent Portal and brings either printed or
handmade copy of List, Counter PA can enter as Super User into Agent Portal and
make entries on behalf of that agent.
 After List is printed on behalf of agent, the rest is the same procedure.
 There is no provision to keep the posting of RD agent list pending in Finacle
CBS.

(xiii) Handling of Passbook stock.

 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.

(xiv) Office Account concept

 Finacle CBS Application is based on Double Entry Accounting system.

 Every entry into Finacle CBS 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.
 Some of the Office Accounts are operated by Counter PAs and Supervisors and some
are maintained by the System itself.
 Supervisor has to take LOT of Office Accounts operated by user on daily basis and
verify these transactions with office record.
 List of office Accounts to be operated by the staff has been circulated.

(xv) Handling of KYC documents

 On implementation of Finacle CBS application, a document scanning and storage

system called ECMS is also being implemented.
 On opening of account, the 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 along with KYC documents will be sent to CPC on daily basis where KYC
documents will be once again matched with AOF and on acceptance, AOF and KYC
documents will be scanned in ECMS and uploaded into Finacle Core.
 The scanned images will be available in both ECMS and Finacle CBS and any CBS
post office will be able to see these documents.
 Photo and signature will be separately stored for ready reference in all Finacle
withdrawal and closure screens and can be accessed using the “SVS” icon provided.
 Physical documents will be sent back to concerned Post Office by CPC.
 Any rejected AOF will also be returned to Post Office with KYC document mentioning
the reason for rejection.
 Post Office will get the rectification done and resubmit the documents with AOF to CPC
for further process.

131
(xvi) Transfer of Accounts

 In Finacle CBS application, the account can be transferred to any CBS post office only.
 Similarly, non CBS post office can transfer account/certificate to Non CBS post Office
only.
 In Finacle CBS Application, there is no need to generate any AT or Transfer General 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 instantly.
 A report can be generated showing accounts transferred from one SOL to another in all
CBS post offices.
 Certificates issued from non CBS Post Offices cannot be discharged at CBS Post
Offices.
 Certificates issued from CBS post offices can be discharged at any CBS post office by
changing the home SOL of the certificates.
 PPF and SCSS accounts can be transferred IN and Out from CBS post offices to
Banks and from Banks to Post Office.
 In Finacle CBS application, except in Savings Accounts, Cheques cannot be
lodged/entered against relevant account numbers.
(xvii) Cheque Clearing

 Finacle has a full fledged Cheque Clearing Module. Full fledged Cheque Clearance
Module of Finacle CBS will be implemented when one HO and its all SOs are migrated
to CBS and Core System Integrator (CSI) is implemented.

 Cheque are to be lodged against an Office Account created as “Account opened

through Cheque(0382) ” for new account opening and “Outward Clearing
account(0017) ” for subsequent deposit of PPF and RD.
 The procedure for handling cheque clearance in Finacle CBS is totally different from
Sanchay Post.
 Till CSI, comes, the present cheque clearance will be handled by the Treasurer in the
same way as these are handled today.
 Treasurer will be handed over two lists, i.e one of Sanchay Post and another of Finacle
CBS.
 Posting of inward cheques lodged in Finacle will be done in Finacle CBS at HPO level
itself and 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 SO 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.

 In Finacle, Cheques of other Banks cannot be lodged against the scheme or account
number.
 The cheques are to be lodged in Office Account and once credit is received, the

132
 account can be funded/deposited by debiting/withdrawing amount from that Office
Account.

 While opening new accounts after getting credit information in Office Account, the
Counter PA has to enter the cheque details in Remarks field of Finacle screen so that
Cheque number can be captured/entered and shown in the remarks column of LOT.

The cheque detail field in account opening screen is for entering POSB Cheque
details only.

 After opening or during opening of account, amount of deposit can be credited by

debiting the office account.

 Other Bank Cheque details will not be automatically captured by the system from office
account during account opening. However, POSB Cheque detail can be entered in
while account opening only in case of RD and NSC.

 In Finacle, as stated above, other bank cheques cannot be directly lodged/credited

against relevant RD or PPF accounts.
 Cheques have to be lodged against designated Office Account and after getting
clearance information, each and every deposit is to be made in the relevant RD
and PPF account by debiting that identified office account.

(xviii) Death Claim Cases

 In Finacle CBS application, different processes are to be followed for different death
claim cases.
 CIF of the deceased has to be suspended and date of death is to be entered in CIF.
 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.

(xix) RD Half Withdrawal and PPF Loan.

 In Finacle, there is no concept of Half Withdrawal. Instead, a separate Loan Account

is opened in RD for Half Withdrawal.

 Loan account is also having separate number with 1 suffixed to the original account
number.
 Amount of Loan/Half W/D is not reduced from balance and instead, a lien is marked
for that amount so that at the time of PMC, this amount is not paid.
 At the time of closure of RD account where loan is taken, Counter PA has to first

133
 close RD Loan Account.
 For PPF loan also, Loan account is opened separately and have an account number
with 1 suffixed to the original account number.

(xx) End of Day

 The End of Day process in Finacle is done in three parts – First at SO/HO, then at
CPC and the last part at the Data Centre level for date changeover..
 SO/HO has to run, SOL validation command, clear blocking validations and change of
date before leaving office.
 At CPC, System Administrators (User Champions) will do End of Day for SOs and
Hos under the circle.
 Once all CPCs do the EOD, CEPT Team at Chennai will do EOD at Data Centre
Level.

(xxi) Standing Instruction.

 In Finacle, Standing Instruction (SI) is entered in SB accounts for credit into RD

Account.
 MIS/SCSS and TD interest Auto Credit into SB account is not termed as 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 Account on due date.
 While entering SI in Finacle, frequency and date of execution have to be entered
positively.

(xxii) RD related issues.

 In Finacle CBS, RD Claim is allowed only till the month in which depositor expired and
the remaining advance deposits paid would be refunded without any interest.
 In finacle, the loan repayment is not allowed to be made through Agent Portal. The
same has to be done across the counter by the depositor or agent on behalf of
depositor.
 In Finacle CBS, repayment of loan can be done any time with any amount.. For
this, Counter PA has to select option of Unscheduled payment when loan
account is opened in Finacle.
 Unscheduled repayment entries to be paid through HLAUPAY.
 In Finacle CBS, Lump Sum deposit is called Bullet Payment.

134
 EOD DO and DONTs

1.CBS Post Office Level:

Do’s:

1) Complete all Business operation and check there are no pending EOD Blocking validation
items.

2) Please find the following procedure to check the blocking validation details & clearing it,
a. Invoke HFTI and check for entered status Transaction. Post the same.
b. Invoke HFTI and check for posted status Transaction. Verify the same.
c. Invoke HIMCZ and Inquiry on non-closed Zone. Close the Zone.
d. Invoke HIMC/HICHB and inquiry on unverified Inventory Transaction List. Verify
the same.
e. Invoke HAFI and check for not authorized records. Verify the same
f. Also the Blocking validation report to be viewed to ensure all the blocking
validations is cleared.

3) Only after clearing blocking validations (as explained in point 2 above), the users should
submit Pre EOD menu ‘HISCOD’. This should be done before 05:00 PM. Custom validation
has been incorporated in HISCOD menu (to be available in production soon). So if any
blocking validation item is not cleared and submitted then appropriate error message will be
shown and HISCOD will not be submitted.

4) For any clarification on clearing EOD blocking validations first raise issue to CPC SPOC.
FAQ to be referred to before any issue is raised with HD team.

5) After initiating HISCOD menu, CPC SPOC Circle will be executing HSCOD for SOL Date
Change

6) Inform CPC / SPOC Circle to execute HSCOD.

7) Do any further transaction only of system date is changed to next day.

Don’ts:

1) Don’t submit HISCOD without checking and clearing blocking validation items.
2) Once HISCOD is submitted, don’t execute 1st (HSCOD), 2nd (HSOLCOP) & 3rd (HSCOLD) EOD menu the
same will be executed by CPC/SPOC.
3) Don’t raise blocking validations directly to Helpdesk or EOD Support Team. Please contact CPC team
on the solution
4) Don’t execute any transaction after HISCOD if system date is not changed.

135
2.Circle Level:

Do’s:

1) Whenever more than 10 SOLs in their circle completed HISCOD, SPOC Circles can start
executing first menu HSCOD with 20 parallelization.

2) Whenever more than 10 SOLs in their circle completes first menu, SPOC Circles can start
executing 2nd EOD menu HSOLCOP with 20 parallelization

3) Also whenever more than 10 SOLs in their circle completes second menu, SPOC Circles
can start executing 3rd EOD menu HSCOLD with 20 parallelization

4) After executing EOD menu, if CPC/ SPOC observe EOD status is not changed, user can
wait for few minutes, monitor & check the EOD status in HSSI/EODMON menu & EOD Job
status in HBJMON/ HJCM Menu. After ensuring that status is not changing they can contact
EOD support team.

5) If required monitor the EOD batch job execution and completion through HBJMON menu
and monitor the EOD status through HSSI menu

6) In HSSI menu, if the SOL Status is ‘SOL PostCod Done’, closure is ‘Not Closed’ and EOD
Event Status is ‘EOD Event Not in Progress’, then it confirms HSCOD is successfully
completed

7) If the SOL Status is ‘SOL Precod Done’, closure is ‘Failed’ and EOD Event Status is ‘EOD
Event Not in Progress’, then check the blocking validation items (pls refer point 2 for the
procedure to check and clear the blocking validation items) and arrange to clear the same

8) Before re executing 1st/2nd/3rd menu, check in HJCM menu (allotted to CPI role id) the total
number of EOD process executing. If the count of process running is between 100 to 150 ,
execute next EOD menu with 20 parallelization

9) In HJCM if total number of process executing more than 250 process, kindly await for some
of the EOD processes to complete. Once the load is under control then i.e. less than 150
then execute next EOD menu with 20 parallelization

10) Good practice is, let all the Circle SPOCs execute EOD menu with optimal parallelization,
once the number of SOLs execution or load is reduced then pending Circles can add more
parallelization

11) If any SOLs doesn’t submit HISCOD before 5:00 PM, remind them to clear blocking
validation items and submit HISCOD

136
12) After HSCOD execution, if the SOL Status is ‘Sol Date Changed’, closure is ‘Not Closed’
and EOD Event Status is ‘EOD Event Not in Progress’, then re-run HSCOD with selecting
check box ‘Run Only Postdated Change Batch Jobs’.

13) If Branch/CPC user needs any support in clearing blocking validation please refer FAQ
document. Further escalate the issues to EOD Support team for the issues that could not be
handled at CPC Level.

14) If there is any delay in executing EOD at CPC or some SOLs are pending execution of
HSOLCOP/HSCOLD menus, then the Circle SPOC must ensure that the EOD is
completed.

15) All Circle SPOC and CPC have to make sure all SOLs complete their Date Change on the
same day to facilitate DC closure by CEPT team.

16) Also monitor the EOD execution SOL wise through HSSI & EODMON menu. Monitor the
batch job execution through HBJMON & HJCM menu. Monitor overall EOD progress
through EODREP menu (that will be available in production soon)

17) Intimate CEPT team on completion of EOD for all the SOLs in their circle.

Don’ts:

1) Don’t raise blocking validations directly to Helpdesk or EOD Support Team. Please Analyse the issue
and FAQ’s available before escalating to EOD Support Team.

2) Don’t run 2nd/3rd menu with more parallelization when huge number of EOD process are executing
in HJCM menu.

3) If any SOLs observed that EOD is not completing/delaying, Check in HBJMON, EODMON
for the EOD batch job completed for the particular SOL, which are in execution with recent
timestamp.
3. Don’t execute EOD menus repeatedly if CPC SPOC observe EOD status is not changed. Repeated
execution of any EOD menus will only result in additional load delaying EOD process further.

Data Centre Level:

Do’s:

1) Once HSCOD is completed for all SOLs, HBKOD can be started

2) Similarly once HSOLCOP is completed, HBKCOP can be started. Also once HSCOLD is
completed for all SOLs, HBKOLD can be started

137
3) Also monitor the EOD execution. Monitor the batch job execution through HBJMON & HJCM
menu. Monitor overall EOD progress through EODREP menu (that will be available in
production soon)

4) If DC closure is halted in between, check the failure reports & fatal logs and take action
accordingly. If CEPT team is unable to sort it out, please contact EOD Support Team.

5) Delay in DC closure should be avoided.

Don’ts:

1) Do not raise incidents without referring the docs:

 DoP_CBS_PreEOD_Check_and_Clearing_EOD_Blocking_Validations.doc shared
by Infosys team

2) For unresolved issues please do not raise the incident with helpdesk. Kindly share the
details of the issue, initial analysis, simulation steps while clearing blocking validation,
simulation screen shot while clearing blocking validation and error screenshots with the CBS
team DL for EOD Support

3) If all SOLs EOD is completed on same day, avoid spill over of DC closure to next day.

138