Term Deposits
Content
TERM DEPOSITS
In this chapter we will discuss Term deposit account opening . As we have already explained customer
Id creation in the previous chapter . A customer having valid cust_id can open Term deposit account also
under the same customer Id. Every term deposit in Finacle is treated as a separate account.
Procedure for opening a Term Deposit Account:
User can use menu option OAAC to open new Term Deposit account.
Invoke menu OAAC
o
G (General Details)
Mandatory option
o
S (Scheme Details)
Mandatory option
o
F (Flow Details)
Mandatory option
o
N (Nomination Details)
Optional
A (Related Party Details)
Optional joint A/c holders’ details etc
o
C (Customer’s Instructions)
Optional
o
X (Transaction details)
Optional
o
2 (TDS Details)
Optional
Opening of FDMB account
Menu option – OAAC
1.
Function – O (Open)
2.
Customer ID – Enter customer id of the customer of which user wishes to open a/c.
3.
Currency Code – By default INR (Indian Rupees) appears i.e. the currency in which user
wishes to open a/c.
4.
Scheme Code – If the scheme code is known to the user, he can enter the same in this
Field . Otherwise, user can type FD in this field and press F2 (List). System will display a list
of all the scheme codes starting with FD. User can select scheme code under which he
Wishes to open an a/c by pressing shift+F4. While selecting scheme code, user should also
See the GL subhead code of the scheme under which the account is to be opened. In this
Example, we are opening a FDMB Term deposit, therefore, in this field user should enter
FDMB.
5.
GL Subhead – If the user enters (or selects scheme code from list), the GL subhead will
appear automatically, otherwise user can enter the same in this field. Press F4 to accept
the details. System will display AOF and the cursor will appear in function field.
6.
Function –There are 4 valid functions.
- O- Open
- R- Renew
- E - Extend
- T- Transfer
User can press F1 for help.
7.
A/c No –Nothing is to be entered in this field. User should press F4 to accept.
General Details –
As the user presses F4 in the function block, system brings general details screen for account
which is be opened.
8.
Acct Name
– System will automatically display the name of the customer entered in
Cust-ID record. System allows changing the name, but system will raise
related exception after Committing the verification of account. If the user
who is verifying the account has sufficient work class, he can override the
exception by pressing F4 and verify the account.)
9.
Acct Short Name
This will be automatically displayed from Cust-ID. User can change
the short name.
10.
A/c open Date
BOD date is displayed. User can change the date.
11.
Special Charge Code This field is used to give preferential charges. Press F2 to see the
list. Press Shift+F4 to select respective charge code.
12.
Mode of Operation (Mandatory) Press F2 and select it by pressing Shift+F4.
13.
Location Code
Enter the population group to which customer belongs e.g Metro,
Urban
etc. Press F2 and select it by pressing Shift+F4.
14.
Account Mgr.
User id of employee who is attached to this account as relationship
manager can be entered. Only employee Id which is available in the
list can be selected. Press F2 and select it by pressing Shift+F4.
15.
Cash Exception Limit Dr.
Default values is 19,999.99. If the user tries to debit this
account by an amount more than 19,999.99, system will raise an
exception.
16.
Cash Exception Limit Cr.
Default values is 99999999999999.99.
17.
Clg. Exception Limit Dr.
By default 0 (Zero), which means that no debit transaction
through clearing shall be allowed in this FD.
18.
Clg. Exception Limit Cr.
By default 0 (Zero), which means that no Credit transaction
through clearing shall be allowed in this FD
19.
Xfer Exception Limit Dr.
It is applicable in case of transfer.
20.
Xfer Exception Limit Cr.
It is applicable in case of transfer. (If the limits as mentioned
in point 15 to 20 are changed by the user, system will raise
exception ‘Override Default Check’ when the User commits
verification of account; if the verifying official has sufficient
work class he can Override the exception by pressing F4 key
and authorize the account verification.)
21.
22.
23.
24.
Remarks
A/c Report Code
Ledger no.
Collect Charges
25.
Turnover Details
26.
27.
Relative to Staff
Relative Staff ID
28.
29.
30.
31.
32.
33.
34.
35.
36.
37.
38.
39.
40.
41.
By default It is N. If it is required the put Here Y.
If above field is set to Y, Staff Id in this field need to be
entered. The Employee having the staff id entered in this field
is barred from entering any transaction in this account. Press
F6 to go to Next Page.
Passbook/Statement (Mandatory)
By default system displays R (Deposit Receipt) in this
field. This should be kept as R.
Statement Frequency
Nothing to be entered in this field.
Local Calendar
Default N. Not to be changed.
Dispatch Mode
As the account has been enabled only for deposit receipt,
there is no necessity to enter anything in this field.
Next Print Date
Nothing is to be entered in this field.
Download to PBF
Default value is N and it’s a protected field, i.e. user can not
modify this field.
Pay Interest
Default Y, means interest will be paid for this account.
Collect Interest
Default N, means interest will not be collected from this FDMB
account.
Customer Pref. Interest (Cr.) We have already seen this field in currency details (option E)
in CUMM. Generally, in OAAC we should not fill any value in
this field.
Customer Pref. Interest (Dr.) We have already seen this field in currency details (option E)
in CUMM. Generally, in OAAC we should not fill any value in
this field.
Account Pref. Interest (Cr)
If preferential interest is to be given to the FD being opened,
over and above prevailing interest (explained in point 39), the
same can be entered in this field. User can enter negative
value if user wishes to pay less interest for this account or he
can enter positive value in this field if he wants to pay more
interest over and above the prevailing rate of interest. This
field is required to be entered for preferential rate of interest
for Staff/senior citizens etc.
Int Rate Code
For FDMB scheme, the interest rate code is TDGEN. This
value need not be changed.
Account Pegged
Default is Y, means system will pay contracted rate of interest
as entered during account opening.
User can press F4 to go to the Enter Option field or Press F6
to go to Next Page. If user presses F4 key then switch over to
point No. 46. If the user presses F6 key.
Contact phone
Enter contact phone no.
Allow Sweeps
Enter Y if the sweep is allowed between accounts.
42.
43.
Tax Details
44.
Tax Category
45.
Free text field.
Default is ZERO.
It is not necessary to fill this field.
Default is Y. This means, system will collect account
maintenance Charges as and when they are due.
Default is N. May be kept as it is. This detail is required in
case of CC type account . It is set Y for CC type of accounts.
Withholding Tax %
Scheme Details –
46.
Enter Option
47.
Dep./ Instl. Amt (Mandatory)
48.
Deposit Period (Mandatory)
By default T (Customer level TDS) appears in this field. Press
F1 for help. If the account is to be exempted from any tax
deduction as may be required in certain cases, user can enter
N (None) in this field. In NRO/NRNR accounts, the user needs
to modify tax category from T (Customer level TDS) to W
(Account level withholding tax).
Enter the withholding tax percentage as applicable to NRO a/c
and prevailing at the time of a/c opening.
Press F4 to go to Enter option field. i.e. S
Press F2, select S –Scheme Details option (5th from top) by
pressing Shift+F4. Press F4 to get into scheme details. (Or
user can type S instead of pressing F2 & Press F4.)
Enter deposit amount in case of FDs (enter installment
amount in case of RD.) As in this case we are opening FDMB,
we need to enter deposit amount.
There are two fields. In the 1st field user can enter number of
49.
Value Date
50.
Maturity Date
51.
Special Category
months and in 2nd field he can enter no. of days as may be
the case.
By default, system displays today’s date (BOD date). If user
wishes to open FD in back date, enter the same in this field.
System will automatically calculate maturity date of deposit
depending upon value date and deposit period. As such,
nothing is to be entered in this field.
Press F2 for list and select valid code from the list by
pressing Shift+F4. Valid Special category codes are Bblocked, C-Court Order, E-Earnest Money, O-Other Bank
Deposit, P-Prohibitory Order & T-Tender Money.
Note: But there is no validation provided on this field, this field is can be used only for recording
and future information.
52.
Availing Nomination Facility (Mandatory)
Enter Y if the customer wishes to avail
Nomination facility.
53.
Print Nominee Name
Enter Y if the nominee’s name is to be printed on FDR.
54.
Repayment A/c No
Enter the repayment a/c no in which the maturity proceeds of
the FD would be credited. Press F4 to go to Enter Option field
and please see point No. 59. (Or Press F6 to go to the next
Page.) Depending on the request from the customer, this page
may be required to be filled.
55.
Auto Closure
Enter Y if the FD is to be automatically closed on the maturity
date.
56.
Auto Renewal
By default N (No). If customer gives option to renew the FD
being opened after its maturity, then user needs to modify this
field. Valid values in this field are U- Unlimited and L-Limited.
57.
Max Renewal Allowed
User can specify that how many times this FD is to be
renewed. In case the previous field is changed to U, then
nothing is to be entered in this field. If the previous field is
changed to L (Limited) and user shall enter the value that how
many times the FD would be renewed. User needs to enter
other information like scheme code, GL subhead code etc for
the FD as applicable when the same is to be renewed. Press
F4 to accept Scheme details. The cursor shall appear in Enter
option field.
Flow Details
58.
59.
Enter option
In
123-
60.
61.
62.
63.
64.
65.
66.
67.
68.
Enter F (Flow Details) or select the same from list. Press F4.
The system will display the expected transactions in FDMB
from the date of opening the FD till the date of maturity of FD.
case of FDMB, flow codes will be :
PI
(Principal Inflow),
II
(Interest Inflow)
TO
(Total Outflow)
User shall Press Control + E to explode the screen. System will compute & display
flow details like flow date, flow amount, flow code, account balance, transaction
amount and value date, in the 2nd part of the screen. The first flow record is always
PI (Principal Inflow) and is always the full amount of the principal deposit. Next
flow records will be of type II (interest Inflow) for FDMB. Last flow record will be of
type TO (Total Outflow) for FDMB.
Press F4 twice to accept flow details. The cursor will appear in Enter Option field.
Joint A/C Holders’ Details (Optional) –
Enter Option
Press F2, select A – Related Party details option (1st from top) by
pressing Shift+F4. Press F4 to get into option details. The first screen
displays the Main Account Holder’s Details. To enter joint account
holders’ details, press Down Arrow of keyboard.
Relation Type (Mandatory)
Press F1 for help. The help displays various values for relation codes.
P (Power of Attorney), A (Authorised Signatory), L (letter of
Authority), J (Joint Holder), G (Guarantor) etc. Press Enter on OK
button or click mouse on it. Enter the Value in this field.
Relation Code
Press F2 and select the code from the list by pressing Shift+F4.
Despatch Mode
If the account is enabled for statement, system gives user the option
to send the statement to related parties added through this option.
Press F1 for help. Enter the despatch mode in this field.
Designation Code
Press F2 for list and select the code by pressing Shift+F4.
Customer ID
If the related party (joint A/c holder) has a valid cust_id code, enter
the same here. In that case other details of the party like address
need not be entered.
Name (Mandatory)
Enter name of the related party. This field need not be field if party’s
69.
70.
71.
72.
73.
74.
75.
76.
77.
78.
79.
80.
81.
82.
cust_id is entered.
If the cust_id of related party is not entered, Address, City, State, Country,
Postal Code etc. of the related party need to be filled in.
If user wishes to enter one more related party detail, press Down Arrow and
follow the steps 64 to 70. After entering joint a/c holders’ details, user can
press F4 to come to enter option field.
Enter Option Press F2, select N – Nomination details option (3rd from top) by pressing
Shift+F4. Press F4 to get into nomination details. (User can type N instead of
pressing F2 and press F4)
Enter Nominee name (Mandatory)
Give the Nominee’s detail’s.
Relationship (Mandatory)
e.g. Father, Mother etc. Press F2, select relationship
by pressing Shift+F4.
Reg. No.
Registration number for nominee is default generated
by the system.
Please enter Address. (Mandatory) Two lines are
available for address; out of which 1st line is
mandatory.
City (Mandatory)
Type first 2-3 characters of city name press F2, select
city code from the list by pressing Shift+F4.
State (Mandatory)
Press F2, select state by pressing Shift+F4.
Country (Mandatory)
Default is IN (India). Need not be changed. If user
wishes to change, press F2 and select country by
pressing Shift+F4.
Postal Code (Mandatory)
Enter Pin/Postal Code.
Nominee Minor
Enter Y if nominee is minor.
Date of Birth
if nominee is minor, date of birth of minor must be
entered.and Enter guardian’s details as required.
Press F4 to go to Enter option field.
User can press F10 (Commit) to save the account details. Or otherwise, depending on requirement,
user can visit options 2 (TDS Details), C (Customer Instructions) options in OAAC.
System will display details like A/c No, maturity amount and maturity date. Click mouse on OK
button. A/c No consists of 14 digits as explained below –
SOL ID
Product Code
A/c No
Check Digit
8158
31
0000595
2
31 is product code for a/c opened under the FDMB scheme code.
Check digit is also a part of account no. User need not remember all 14 digits. Whenever user
accesses this account, he can simply enter 315952, system will automatically expand it to 14 digits.
This facility is provided only when user accesses customer’s accounts of user’s own branch. User must
enter all 16 digits in account no. field for accounts of customer’s of other branches.
Note : During new FD account opening, if the customer already has fixed deposit in the same branch
where he’s opening the new FD, and wants to know impact of TDS on FD, user can use
option 2 (TDS
details) to get the detailed information about TDS.
VERIFICATION OF FDMB A/c
Please note
1. The user who has opened the account through OAAC can not verify the account; as Maker
and Checker concept is applicable in Finacle,
2. During verification of account, no details can be changed, as all the fields are write protected.
3. Before verification, if user wishes to modify a/c details of newly opened a/c, he can use Menu
option OAACAU – function M (Modify).
Menu option – OAACAU
1. Function – V.
2. Temporary A/c No. – Enter the A/C No which is to be verified. User need not enter all 14
digits of account; user can enter short account no. of the account to be verified. If user
forgot to note account no. after committing OAAC, then user can retrieve it by pressing F2
in this field; select the account to be verified by pressing Shift+F4.
3. Permanent A/c No. – must not be entered. Press F4 to bring account details. User will see
General Details of account. Press F11 twice (Or click on Transmit button twice) to visit next
page. When the user is in 3rd page, press F4 to go to Enter option field.
4. Enter Option –Enter S (scheme details) and press F4 to visit scheme details. After verifying
scheme details, press F4 to come back to Enter option field..
5. Enter Option – Enter F (Flow details) and press F4 to visit flow details. After verifying flow
details, press F4 twice to come to enter option field.
6. If the user nomination details are entered during A/c opening, the verifying user must visit it.
Enter Option – Enter N and press F4 to visit nomination details. After verifying nomination
details, press F4 to come back to Enter option field.
7. Enter option – If the related party details like joint a/c details or authorised signatory etc are
entered, the verifying user should visit the same. Enter Option - A and press F4 to visit
Related Party Details. Press Up/Down arrow to scroll through the records. After verifying
related party details, press F4 to come back to Enter option field.
8. Enter Option - Press F10 to commit.
Note : System may display warnings or/and exceptions. If the verifying official has sufficient
work class to override the exceptions, he can press F4. If the user presses F4 and accept, then
only account will get verified. If the user presses F3, system will not verify the account.
Various Exceptions raised during account verification –
At the verification stage system shows some exceptions . The user having sufficient work class can
override these exceptions.
Some warnings/exceptions are –
1. Account name change exception – In the general details of account opening, system by
defaults populated customer name from the customer master. If during account opening,
user changes name of the customer, system may raise this exception.
2. Override default check - If user changes any of the default values populated by the
system during opening the account, like cash/clearing/transfer values, a/c report code,
collect charges etc, system will raise this exception.
3. Default Interest parameter change – System by default populates intt. Rate code (e.g.
TDGEN) in the intt. rate code field (2nd screen of general details). If the user changes this
rate code, system will raise this exception. As also, if user enters any preferential (customer
or/and account) interest Dr/Cr, system raises this exception.
4. Introducer not customer – During cust_id creation, introducer details must be entered. If
the introducer is not a customer and user enters only name and status of the introducer,
system raises the warning during cust_id verification.
5. Introducer New customer – In finacle, customer is treated as new for 3 months after
creation of cust_id. If during this period he introduces another customer, then the system
raises this warning.
6. Account verification balance check – During verification of an account, system checks
whether the principal inflow transaction is done in the account. If the same is not already
done, system raises this exception.
7. Value dated account opening – If the user modifies value date field available in the
scheme details to date prior than today’s date (i.e. BOD date), system raises this exception.
8. Cust_id mismatch (Cr) – In the C (Customer instruction), if the user enters account
number of a customer whose cust_id is different than the cust_id for which user is entering
C details, system will raise this exception.
C. Fast track FDMB a/c opening –
Let’s open a new FDMB deposit using menu option OAAC.
Assumptions in this example – Customer already has a Cust_ID.
Currency - Indian Rupees
Account Opening (Value) date - today’s date
Deposit Period - 12 month period
Nomination Facility – Yes. Nominee is not minor.
Mode of Operating – Self; with no preferential rate of interest. Maturity proceeds to be credited to the
same FDMB account.
Open A/c – Menu option OAAC
1.
Function –
O (Open).
2.
Customer Id –
Enter cust_id
3.
Scheme Code –
FDMB. Press F4.
4.
Function –
O (Open). Press F4.
5.
Mode of operation –
Enter SELF. Press F4.
6. Enter Option – Delete present option and enter S (Scheme Details). Press F4.
7. Dep/Instl. Amt - Enter deposit amount.
8. Deposit period – 12. Second field to be left blank.
9. Availing Nomination facility – Y. Press F4.
10. Enter Option – Delete present option and enter F (Flow Details). Press F4.
11. Flow details screen shall appear. Press Control+E (Explode).
12. Press F4 twice.
13. Enter option – Delete present option and enter N (Nomination Details). Press F4.
14. Nominee’s Name – Enter nominee’s name.
15. Relationship – Press F2 for list and select the code as per requirement.
16. Address – Enter Nominee’s address.
17. City Code - Press F2 for list and select the code as per requirement.
18. State Code - Press F2 for list and select the code as per requirement.
19. Postal Code – Enter the postal code as desired. Press F4.
20. Enter option – Press F10 to commit/save account details.
21. Message box shall appear. Please note account number, maturity date and maturity
amount. Press enter key or click mouse on OK button.
22. Press F3.
Verification of this account need to be done through menu option OAACAU.
F. DETAILS TO BE FILLED FOR SPECIAL/ORDINARY FD
Mandatory options in OAAC for FD are G (General), S (Scheme) & F (Flow) details. For
Special / Ordinary FD A/C opening, C (Customer Instructions) should also be entered for
crediting Monthly /Quarterly interest to customers operative A/cs like SF, CA etc. After filling
G,S & F Details, user should follow following steps –
1. Enter option
2.
3.
4.
5.
C (Customer Instructions Details). Press F4.
User can see * sign on left hand side of IO (Interest Outflow) record.
Press Control+E on IO record.
It is assumed that the interest will be credited to only one account.
In the first field, enter the account number of the customer where the
interest is to be credited.
In the second field, delete F and enter P (Percentage).
In the third field, enter 100 i.e. 100 percent of the interest will be
credited to the account entered in the first field. Press F4.
Note: If the customer wishes to credit interest in multiple accounts then, in the third field enter
the percentage of IO to be credited in first account. Press Down arrow on the keyboard and follow
the steps as mentioned above. User should also press Control+E on PO (Principal Outflow) record
and enter the repayment account i.e. the account where the principal shall be credited on maturity
of FD. Important: If C details (IO & PO) are not captured for Special / Ordinary FD, system shall
credit the interest and principal deposit to Sundry – Fixed Deposit account.
G ENTER DEPOSIT TRANSACTION IN NEWLY OPENED FD
Menu Option – TM
After entering the FD account number, amount, part tran type, particulars etc, user needs to
press F4. As the user is entering deposit transaction in PI (Principal Inflow) type of FD, system
automatically brings deposit additional screen with Flow Code as PI. User needs to press F4 twice
to accept the flow code. Enter the other part tran as usual.
Note: System does not allow user to accept (i.e. F4) deposit additional details if the amount
entered in credit part transaction of FD is more than the amount entered in deposit amount field in
scheme details of FD account opening. System raises error ‘Cum. Instl.paid (0.00) + tran amt
exceeds deposit amount’. User has to press F3 and modify amount field of credit part tran of FD as
filled at the account opening.
H. DEPOSIT PRINCIPAL BY CASH/TRANSFER IN FD DURING A/C OPENING.
Menu option – OAAC
After entering G,S & F (Mandatory) details, press F4. Make sure that the cursor appears in Enter option
field.
1. Enter Option
2. Type of Transaction
X (Transaction Details). Press F4.
Transaction creation during (O/V) – Enter V in this field if
transaction id is to be generated (& verified) during a/c
verification. Enter O if the transaction is to be created after
committing the OAAC.
- Case 1 – Enter C (Cash).Press F4. System shall automatically
generate transaction Dr. Cash and Cr. Deposit A/c (being
opened). Press F4. System shall come back to enter option
field.
Case 2 – Enter T (Transfer) & press F4. System shall try to
create CI (Customer Induced) type of transaction.
Very Important –
System may raise an error ‘Script Error: Interest Cr. Account not specified’; as the system picks up this
account for transferring funds to FD being opened.
Steps to enter ‘Interest Cr. Account
o
o
o
o
Press F3 in the current screen (i.e. X option).
Enter option – G. Press F4.
Press F6 to go to the next page.
Go to Interest Cr. Account field. Enter the account No. Make sure that the sufficient balance
is available in the account.
o
Press F4.
If the Interest Cr. Account is already mentioned in the concerned field before entering into X option,
system shall display the transaction. Press F4 to accept the transaction, system shall come back to
enter option field. If in X option, user has entered V in the Transaction created during (O/V) field, then
During verification (OAACAU) of the account, user needs to visit all the screen’s , otherwise system
will not create ( & will not post/verify) the transaction.
METHOD FOR RENEWAL OF FD
1.
2.
3.
4.
5.
6.
Ensure that Interest calculation and TDS deduction processes are over for FD to be
renewed, otherwise user can run ACINT / INTRUN and TDSCALC menu options.
User shall open a new FD A/c through OAAC in R (Renewal) mode by giving reference
of FD to be renewed.
Other user having sufficient work class shall verify opening of new FD A/c though menu
option OAACAU.
User shall close current FD (which is to be renewed) though CAAC in R (Renewal) mode.
System shall automatically display new FD A/c No. in Repayment A/c field.
Other user having sufficient work class shall verify closure of FD (which is to be
renewed) though menu option CAACAU. System shall automatically create necessary
transaction.
Check ACLI of both FDs to ensure proper renewal of FD.
PREMATURE CANCELLATION OF FDMB
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
Menu Option
Function
CAAC (Close an Account)
Z (Close). Press F4 twice. System shall not allow the user to
proceed for closure until all the pending operations are
completed. Also, if the FD is frozen, lien is marked, any
transaction in FD in entered state, SI (standing Instruction)
exists on FD etc. system shall not allow user to close the FD.
Function
Z (Close).
Withdrawn Amt
System shall display principal amount. Press F4.
Closure Remarks
User can enter closure remarks e.g. premature canc. Etc
Penel Intt for full period
Enter Y if applicable else N.
Repayment A/c No
Enter operative A/c of the customer, if he wishes to get
maturity proceeds credited to his operative a/c.
Add preferential to penel rate Enter Y if the user wishes to give preferential rate of intt. as
entered in OAAC/ACM (e.g. staff and senior citizens etc.) over
and above the interest rate applicable for premature
cancellation of FD.
Close Option
Press F10 to commit. Wait until the progress indicator turns
back to green.
Please note all the transaction Ids.
Premature Closure of FD needs to be verified by other
authorized user.
For authorization of account , Invoke menu option CAACAU .
12.
13.
14.
15.
Menu option
Function
Close option
CAACAU
V (Verify). Press F4 twice.
Press F10 to commit.
The proceeds shall be credited by the system to Sundry (intt.
Before TDS) A/c.
16.
17.
18.
19.
20.
21.
22.
23.
24.
Menu Option
Report to
Start A/c No.
End A/c No
Adhoc Run
TDSCALC (TDS Calculation)
Free text field e.g. user can enter his name.
Enter FD No.
Enter same FD No.
Enter N for actual TDS deduction.
Press F4.
Enter F
Enter N. Press F10. Wait until progress indicator turns green.
User can see ACLI of operative A/c to see proceeds of FD.
User can press press Control+E (Explode) on Repayment
entry to see TDS amount, alternatively use TDSIP or ACI
(option 2) to see TDS details.
Fore/Background
Print Required
Note : If the repayment A/c No. is not given in OAAC/ACM/CAAC, then after TDSCALC process, the
system shall Dr. Sundry (Intt. Before TDS place holder 3171118) and Cr. Sundry FD (place holder
3171106) for FD not having deducted TDS. For FDs having TDS deducted, system shall Dr. Sundry
(Intt. Before TDS place holder 3171118) and Cr. Sundry TDS (place holder 3171108) & Cr. Sundry FD
(place holder 171106).
OPEN AN ANUPAM DEPOSIT
1.
User shall use OAAC menu option to open Anupam FD under scheme code FDANU (for
geneal public) and FANUS (for staff members). Mandatory details are G, S & F. Please
change ‘auto closure’ flag to Y available on 2nd page of scheme details. User can also
enter optional details like A (Related Party Details for joint A/c etc), X (Transaction details
for depositing principal amount transaction) as per requirement.
2.
User shall open OD A/c using menu option OAAC under the scheme code ODAGN
(general public) and ODAST (for staff members).
3.
Authorised official shall verify Anupam FD account using menu option OAACAU.
4.
Authorised official shall verify Anupam OD A/c using menu option OAACAU.
5.
User shall use menu option ACM in modify mode and get into C (Customer Inst) details to
enter OD A/c as repayment A/c.
6.
Authorised official shall verify changes done in FD using menu option ACM.
7.
User shall use menu option SRM to create security record for OD A/c, by margin and
marking lien on Anupam Deposit.
8.
Authorized official shall verify SRM.
9.
User shall use inquiry menu option ACCBAL for OD A/c and check whether proper
sanctioned
limit and DP is available in the A/c.
10.
User shall issue a check book to OD A/c using menu option ICHB.
11.
Authorized official shall verify ICHB or ICHBAU.
J. HOW TO WITHDRAW FUNDS FROM ANUPAM DEPOSIT (PART CLOSURE)
As per existing scheme, customer may withdraw any amount from Anupam deposits, inmultiple
of Rs.1000/- before maturity without breaking the entire deposit and also without loosing interest on
remaining part of FD.
1. Invoke menu option SRM and modify unit value of security. Please check that the changes in the
screen are happening properly.
2. Authorized official shall verify SRM.
3. Invoke menu option CAAC. Function Z, enter a/c no., press F4. 2nd screen shall appear, modify
withdrawn Amt as per requirement (multiples of Rs.1000/-). Press F4. Please enter Anupam OD A/c
No. attached to the FD in Repayment A/c No. field. Press F10 to commit.
4. System shall credit Sundry (Intt. Before TDS) A/c with the amount entered in withdrawn amt
field+interest amount.
5. Authorized official shall verify the above operation thorugh menu option CAACAU.
6. The authorized official shall invoke menu option TDSCALC (TDS Calculation). Please enter value
in Report field, enter same Anupam FD A/c No. in Start A/c No. and End A/c No. fields, Adhoc Run
flag shall be made N. Press F4. Enter F in Fore / background, enter N in Print Required and press
F10. Please check OFTI post report (note transaction id on 4th page) and TDS success report in
PR.
7. This process shall debit Sundry (Intt. Before TDS) A/c and Credit Anupam OD A/c with (withdrawn
amt+interest)-TDS.
K. REFUND OF TDS
If the TDS is already deducted through menu option TDSCALC, and the same is not remitted to
Tax Authorities, user can refund the same using menu option RFTDS. User can refund whole or part
of TDS.
1.
2.
Menu option
Report To (Mandatory)
3
4.
Currency
Refund Cust ID (Mandatory)
5.
Closed A/cs
6.
Tran Type
7.
8.
Press F4.
RFTDS
It’s a free text field. User can enter any text in this
field.
By default INR appears.
Enter the same cust_id with which the deposit a/c was
opened.
If FD is not already closed or renewed, user shall enter
N in this field.
If customer wishes TDS refund by cash, then user
shall enter C (Cash), or otherwise T (Transfer).
System shall display all the FDs falling in the criteria
entered in the above screen.
8.
Sel –
9.
Refund Amt
10.
Refund Acct.
By default Y appears in this field i.e. if customer
wishes to get refund of TDS for this FD, then user
shall keep this flag as Y, else N.
System automatically displays amount to be refunded.
If customer wishes to get part of TDS, user shall
modify this field.
User can enter operative A/c (SF/CA/CC/OD) of customer
where the TDS refund is to be credited. This field is
protected if the refund is to be made by cash. If there are
more than one FDs in which TDS has been deducted and
customer wishes to get refund in other FDs as well, then
user shall press Down arrow on the keyboard, to go to
next FD and Follow step 9 to 11.
Finally press F10.
Enter F in Fore/Background field, N in Print Required (if
printer is not attached to the computer) and press F10.
User shall get into menu option PR and view reports Refund TDS, Failure Report for TDS refund and OFTI Post
Report. Please get into 4th page of OFTI post report and
note down tran_id. If the transaction is not posted/verified
by system, user shall post/verify this transaction through
menu option TM. System creates a transaction of Dr.
Sundry TDS and Cr. Cash/Operative A/c of the customer.
User can check ACLI of operative A/c which was entered
In ‘Refund Acct’ field to confirm whether the proceeds are
credited by the system. User can take print of refund
voucher, through menu option VCHR.
11.
12.
Note – Under no circumstances, user should try to refund TDS directly through TM
by debiting Sundry TDS.
L. REMIT TDS
Before getting into this menu option, user should check entries for a month in Sundry – TDS A/c
using
ACLI or ACLPOA menu options. User should also take print of TDSIP option No. 5 (TDS summary) for
a
month. User should then tally entries in ACLI (or ACLPOA) with TDS summary report.
1.
2.
3.
Report To (Mandatory)
4.
Remit Optn (G/C/R)
User can enter Manager
Enter the selection criteria.
If user wishes to remit the TDS deducted from all the FDs, the
he shall not fill any criteria. Enter Dates in respective fields,
generally for a month.
Enter G if TDS is to be remitted; enter C if TDS is remitted and
user wishes to capture challan No. etc.
Press F4.
System shall display all the FDs falling under the criteria
entered.
Enter Y to select FD for remitting TDS, else N.
Press down arrow on the key board and select (i.e. enter Y in
Sel field) or deselect (i.e. enter N in Sel field).
Press F10 to commit.
Enter F.
Enter N (if printer is not attached to computer). Press F10.
User shall get into menu option PR and view/print ‘Remit TDS’
report. User shall tally the figures with ACLPOA (or ACLI) of
Sundry-TDS A/c.
User shall then manually pass the entry thorugh TM by
debiting Sundry _ TDS A/c with the grand total as printed in
above report.
After getting acknowledgement from Tax Authorities, user
shall invoke same menu option i.e. RMTDS. In this case, user
shall enter C in ‘Remit option (G/C/R)’ field and enter challan
No. in ‘Remit Details’ field.
5.
6.
7.
8.
Sel
9.
10.
11.
12.
Fore/Background
Print Required
13.
14.
M. HOW TO PRINT TDS CERTIFICATE
1.
2.
Menu option – TDSIP
Report Option
- Enter 2.
Enter the criteria for selecting customers/accounts for printing TDS
certificate. E.g. is user wishes to print TDS certificate for a particular
customer, he can enter cust_id in Cust_id from ad to fields. If user
wishes to print TDS certificates of closed FDs as well, he shall enter Y
in ‘Closed A/cs’ field etc.
Press F4.
System shall display all the accounts selected by it, falling under the
criteria as entered by the user, with the * on Left Hand Side of each
FD.
User can include or exclude FD from TDS certificate by pressing
Shift+F4.
Press F4.
Printer ID Local. Note Please make sure that the ILINKWEB is running in the
background. Ensure that the printer is ON.
Delete on Print
Enter Y or N as per requirement. If the user enters N in this field, he
can view/print the same report through menu option PR.
Press F10 to commit.
3.
4.
5.
6.
7.
8.
9.
N. PRINTING OF FDR
FIRST USER HAVE TO EN SURE THAT THE NECESSARY INVENTORY IS AVAILABLE AT USER’S
LOCATION, OTHERWISE USE MENU OPTION IMC TO MOVE THE INVENTORY AT USER’S
LOCATION.
Invoke Menu option – DRP
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
Customer ID
Enter customer ID, if user wishes to select all the FDs opened but not
yet printed for a particular customer.
From A/c No and To A/c No
If user wishes to print a particular FDR, user shall enter the same A/c
No. of the FD in both the fields.
After entering the criteria, press F4.
System shall display all the FDs falling under the criteria with *
appearing on left side of each FD (i.e. the FDs are in selected mode
for printing). User can use Shift+F4 to select or deselect FD from
printing criteria. Only FDs which have not been printed even once
shall be selected by the system.
Press F4.
Printer ID – Local
Please make sure that the ILINKWEB is running in the background
and printer is attached to the computer and in OK status, also ensure
that the required inventory is available at user’s location.
Delete on print
Y
Press F4. System shall display screen equivalent.
If the inventory is available at user’s location, then system shall
display printed Srl. Num (Alpha and number) in respective fields.
Make sure that the same inventory is inserted into the document
printer.
Press F4. Please check whether the FDR is being properly printed.
After printing the FD, system shall seek confirmation ‘Print OK’. If the
print is OK, user shall ensure that Y is appearing in the field and
press F10.
If the printing is not proper and FDR is not in a condition to insert
again into document printer, user shall enter D (Destroy Inventory)
and press F4. System shall move the inventory to destroy location
and shall bring next inventory available at user’s location for printing.
If the printing is not proper and the FDR is reusable, user shall enter
P (Print Again) and press F10.
DUDRP menu options can be used for duplicate FDR printing and reprinting FDR respectively.
Menu Option – DUDRP
1. The input screen is similar to menu option DRP.
2. Please enter the criteria as per requirement. Press F4.
3. System shall display all the FDs falling under the criteria entered. System shall display only those
FDs which have been printed at least once.
4. Select/deselect FDs for printing by pressing Shift+F4.
5. Press F4.
6. Please follow steps 6-13 as discussed above and as per requirement. Please enter ‘Issued in
lieu original FD No._____________ reported lost’ in the ‘Remarks’ Field.User can invoke
menu option ACM in modify/inquiry mode and in the enter option field type K
(Denominations details) and press F4. User shall check the status of old FDR as H (History)
and duplicate FDR’s status as A (Active).
O. HOW TO CHECK FOR UNPRINTED FDRs?
Before the day end i.e. ABH, user shall invoke menu option PENDDRP and enter dates in
related fields. Press F4. System shall display all the unprinted FDRs failing under the
selection criteria entered in the previous screen. User can print the FDRs .
Q. REPORTS
Menu option – ACDET (ACCOUNT BALANCE DETAILS)
User wishes to list all FDMBs maturing today.
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
Report To (Mandatory) – Free text field.
Scheme Code From & To – FDMB
Maturity Date From & To – Enter the dates.
Press F4.
Enter the values in Fore/Background & Print Required and Press F10.
Wait until the progress indicator turns to green.
Quit from the menu option and invoke menu option PR and view / print the report. E.g. User
wishes to list all the fixed deposits (like FDMB, ordinary, special etc.) matured and renewed
as on BOD date.
Report To (Mandatory)
Free text field. E.g. enter Manager.
GL Subhead From & To
Press F2 and select GL subhead code for Fixed Deposit by
Pressing Shift+F4, or enter 10100.
Close Date From & To
Enter BOD date in both the fields.
Deposit Status
Press F2 and select R (Renewal) by pressing Shift+F4. Or
enter R.
Press F4.
Fore/Background
Enter F.
Print Required
Enter N. (Or Y if printer is attached to the computer)
Press F10.
Invoke menu option PR and view/print ‘Account Details Report’. This report shall list all
the FDs matured and renewed. But system shall not display A/c No. of renewed FD.
User can generate various types of reports as per the criteria like A/c closed, lien marked,
amountwise, opened/matured/renewed between different dates, deposit period-wise (like
12 months, 24 months), FDs of a particular customer, spl category deposits (like blocked,
court order, tender money etc.), safe custody deposits etc.
ACDET may help Auditors to list all the fresh FDs opened between the dates.
1.
2.
3.
4.
5.
6.
7.
8.
9.
Report To
Account open Date & To
GL Subhead From & To
Free text field. E.g. Auditor.
Enter the dates.
Enter GL Subhead code as 10100 in both the fields.
Press F4.
Fore/Background
Enter F.
Print Required
N. (If printer is attached, then enter Y).
Press F10.
Wait until progress indicator turns green.
Invoke menu option PR and view/print ‘Account Details
Report’.
10.
Please go to right hand side of every FD and check the value
under the deposit status (DS) column. Please count all the
FDs having value under DS column as blank.
There are inquiry/report/MIS menu options related to FD/RDs.
1.
SDD
– Schemewise distribution of deposits.
2.
RDD
– Ratewise distribution of deposits.
3.
FDD
– Flow Amountwise distribution of deposits.
4.
GDET
– General Deposits Details.
5.
ACS
– Account Selection.
6.
RELACI
– Related Accounts Lookup for Deposits. Generally used for finding
old/renewed references of FDs.
7.
DEPINT
– Interest Calculator.
8.
DEPMOD
– Deposit Modeling.
9.
DN
– Due Notice. Can be effectively used to inform customers about maturity of
their FDs.
12. PLIST
– Pending Installments List.
13. TVSI
– Term Deposit Interest Slabs Inquiry.
In this chapter we will discuss Term deposit account opening . As we have already explained customer
Id creation in the previous chapter . A customer having valid cust_id can open Term deposit account also
under the same customer Id. Every term deposit in Finacle is treated as a separate account.
Procedure for opening a Term Deposit Account:
User can use menu option OAAC to open new Term Deposit account.
Invoke menu OAAC
o
G (General Details)
Mandatory option
o
S (Scheme Details)
Mandatory option
o
F (Flow Details)
Mandatory option
o
N (Nomination Details)
Optional
A (Related Party Details)
Optional joint A/c holders’ details etc
o
C (Customer’s Instructions)
Optional
o
X (Transaction details)
Optional
o
2 (TDS Details)
Optional
Opening of FDMB account
Menu option – OAAC
1.
Function – O (Open)
2.
Customer ID – Enter customer id of the customer of which user wishes to open a/c.
3.
Currency Code – By default INR (Indian Rupees) appears i.e. the currency in which user
wishes to open a/c.
4.
Scheme Code – If the scheme code is known to the user, he can enter the same in this
Field . Otherwise, user can type FD in this field and press F2 (List). System will display a list
of all the scheme codes starting with FD. User can select scheme code under which he
Wishes to open an a/c by pressing shift+F4. While selecting scheme code, user should also
See the GL subhead code of the scheme under which the account is to be opened. In this
Example, we are opening a FDMB Term deposit, therefore, in this field user should enter
FDMB.
5.
GL Subhead – If the user enters (or selects scheme code from list), the GL subhead will
appear automatically, otherwise user can enter the same in this field. Press F4 to accept
the details. System will display AOF and the cursor will appear in function field.
6.
Function –There are 4 valid functions.
- O- Open
- R- Renew
- E - Extend
- T- Transfer
User can press F1 for help.
7.
A/c No –Nothing is to be entered in this field. User should press F4 to accept.
General Details –
As the user presses F4 in the function block, system brings general details screen for account
which is be opened.
8.
Acct Name
– System will automatically display the name of the customer entered in
Cust-ID record. System allows changing the name, but system will raise
related exception after Committing the verification of account. If the user
who is verifying the account has sufficient work class, he can override the
exception by pressing F4 and verify the account.)
9.
Acct Short Name
This will be automatically displayed from Cust-ID. User can change
the short name.
10.
A/c open Date
BOD date is displayed. User can change the date.
11.
Special Charge Code This field is used to give preferential charges. Press F2 to see the
list. Press Shift+F4 to select respective charge code.
12.
Mode of Operation (Mandatory) Press F2 and select it by pressing Shift+F4.
13.
Location Code
Enter the population group to which customer belongs e.g Metro,
Urban
etc. Press F2 and select it by pressing Shift+F4.
14.
Account Mgr.
User id of employee who is attached to this account as relationship
manager can be entered. Only employee Id which is available in the
list can be selected. Press F2 and select it by pressing Shift+F4.
15.
Cash Exception Limit Dr.
Default values is 19,999.99. If the user tries to debit this
account by an amount more than 19,999.99, system will raise an
exception.
16.
Cash Exception Limit Cr.
Default values is 99999999999999.99.
17.
Clg. Exception Limit Dr.
By default 0 (Zero), which means that no debit transaction
through clearing shall be allowed in this FD.
18.
Clg. Exception Limit Cr.
By default 0 (Zero), which means that no Credit transaction
through clearing shall be allowed in this FD
19.
Xfer Exception Limit Dr.
It is applicable in case of transfer.
20.
Xfer Exception Limit Cr.
It is applicable in case of transfer. (If the limits as mentioned
in point 15 to 20 are changed by the user, system will raise
exception ‘Override Default Check’ when the User commits
verification of account; if the verifying official has sufficient
work class he can Override the exception by pressing F4 key
and authorize the account verification.)
21.
22.
23.
24.
Remarks
A/c Report Code
Ledger no.
Collect Charges
25.
Turnover Details
26.
27.
Relative to Staff
Relative Staff ID
28.
29.
30.
31.
32.
33.
34.
35.
36.
37.
38.
39.
40.
41.
By default It is N. If it is required the put Here Y.
If above field is set to Y, Staff Id in this field need to be
entered. The Employee having the staff id entered in this field
is barred from entering any transaction in this account. Press
F6 to go to Next Page.
Passbook/Statement (Mandatory)
By default system displays R (Deposit Receipt) in this
field. This should be kept as R.
Statement Frequency
Nothing to be entered in this field.
Local Calendar
Default N. Not to be changed.
Dispatch Mode
As the account has been enabled only for deposit receipt,
there is no necessity to enter anything in this field.
Next Print Date
Nothing is to be entered in this field.
Download to PBF
Default value is N and it’s a protected field, i.e. user can not
modify this field.
Pay Interest
Default Y, means interest will be paid for this account.
Collect Interest
Default N, means interest will not be collected from this FDMB
account.
Customer Pref. Interest (Cr.) We have already seen this field in currency details (option E)
in CUMM. Generally, in OAAC we should not fill any value in
this field.
Customer Pref. Interest (Dr.) We have already seen this field in currency details (option E)
in CUMM. Generally, in OAAC we should not fill any value in
this field.
Account Pref. Interest (Cr)
If preferential interest is to be given to the FD being opened,
over and above prevailing interest (explained in point 39), the
same can be entered in this field. User can enter negative
value if user wishes to pay less interest for this account or he
can enter positive value in this field if he wants to pay more
interest over and above the prevailing rate of interest. This
field is required to be entered for preferential rate of interest
for Staff/senior citizens etc.
Int Rate Code
For FDMB scheme, the interest rate code is TDGEN. This
value need not be changed.
Account Pegged
Default is Y, means system will pay contracted rate of interest
as entered during account opening.
User can press F4 to go to the Enter Option field or Press F6
to go to Next Page. If user presses F4 key then switch over to
point No. 46. If the user presses F6 key.
Contact phone
Enter contact phone no.
Allow Sweeps
Enter Y if the sweep is allowed between accounts.
42.
43.
Tax Details
44.
Tax Category
45.
Free text field.
Default is ZERO.
It is not necessary to fill this field.
Default is Y. This means, system will collect account
maintenance Charges as and when they are due.
Default is N. May be kept as it is. This detail is required in
case of CC type account . It is set Y for CC type of accounts.
Withholding Tax %
Scheme Details –
46.
Enter Option
47.
Dep./ Instl. Amt (Mandatory)
48.
Deposit Period (Mandatory)
By default T (Customer level TDS) appears in this field. Press
F1 for help. If the account is to be exempted from any tax
deduction as may be required in certain cases, user can enter
N (None) in this field. In NRO/NRNR accounts, the user needs
to modify tax category from T (Customer level TDS) to W
(Account level withholding tax).
Enter the withholding tax percentage as applicable to NRO a/c
and prevailing at the time of a/c opening.
Press F4 to go to Enter option field. i.e. S
Press F2, select S –Scheme Details option (5th from top) by
pressing Shift+F4. Press F4 to get into scheme details. (Or
user can type S instead of pressing F2 & Press F4.)
Enter deposit amount in case of FDs (enter installment
amount in case of RD.) As in this case we are opening FDMB,
we need to enter deposit amount.
There are two fields. In the 1st field user can enter number of
49.
Value Date
50.
Maturity Date
51.
Special Category
months and in 2nd field he can enter no. of days as may be
the case.
By default, system displays today’s date (BOD date). If user
wishes to open FD in back date, enter the same in this field.
System will automatically calculate maturity date of deposit
depending upon value date and deposit period. As such,
nothing is to be entered in this field.
Press F2 for list and select valid code from the list by
pressing Shift+F4. Valid Special category codes are Bblocked, C-Court Order, E-Earnest Money, O-Other Bank
Deposit, P-Prohibitory Order & T-Tender Money.
Note: But there is no validation provided on this field, this field is can be used only for recording
and future information.
52.
Availing Nomination Facility (Mandatory)
Enter Y if the customer wishes to avail
Nomination facility.
53.
Print Nominee Name
Enter Y if the nominee’s name is to be printed on FDR.
54.
Repayment A/c No
Enter the repayment a/c no in which the maturity proceeds of
the FD would be credited. Press F4 to go to Enter Option field
and please see point No. 59. (Or Press F6 to go to the next
Page.) Depending on the request from the customer, this page
may be required to be filled.
55.
Auto Closure
Enter Y if the FD is to be automatically closed on the maturity
date.
56.
Auto Renewal
By default N (No). If customer gives option to renew the FD
being opened after its maturity, then user needs to modify this
field. Valid values in this field are U- Unlimited and L-Limited.
57.
Max Renewal Allowed
User can specify that how many times this FD is to be
renewed. In case the previous field is changed to U, then
nothing is to be entered in this field. If the previous field is
changed to L (Limited) and user shall enter the value that how
many times the FD would be renewed. User needs to enter
other information like scheme code, GL subhead code etc for
the FD as applicable when the same is to be renewed. Press
F4 to accept Scheme details. The cursor shall appear in Enter
option field.
Flow Details
58.
59.
Enter option
In
123-
60.
61.
62.
63.
64.
65.
66.
67.
68.
Enter F (Flow Details) or select the same from list. Press F4.
The system will display the expected transactions in FDMB
from the date of opening the FD till the date of maturity of FD.
case of FDMB, flow codes will be :
PI
(Principal Inflow),
II
(Interest Inflow)
TO
(Total Outflow)
User shall Press Control + E to explode the screen. System will compute & display
flow details like flow date, flow amount, flow code, account balance, transaction
amount and value date, in the 2nd part of the screen. The first flow record is always
PI (Principal Inflow) and is always the full amount of the principal deposit. Next
flow records will be of type II (interest Inflow) for FDMB. Last flow record will be of
type TO (Total Outflow) for FDMB.
Press F4 twice to accept flow details. The cursor will appear in Enter Option field.
Joint A/C Holders’ Details (Optional) –
Enter Option
Press F2, select A – Related Party details option (1st from top) by
pressing Shift+F4. Press F4 to get into option details. The first screen
displays the Main Account Holder’s Details. To enter joint account
holders’ details, press Down Arrow of keyboard.
Relation Type (Mandatory)
Press F1 for help. The help displays various values for relation codes.
P (Power of Attorney), A (Authorised Signatory), L (letter of
Authority), J (Joint Holder), G (Guarantor) etc. Press Enter on OK
button or click mouse on it. Enter the Value in this field.
Relation Code
Press F2 and select the code from the list by pressing Shift+F4.
Despatch Mode
If the account is enabled for statement, system gives user the option
to send the statement to related parties added through this option.
Press F1 for help. Enter the despatch mode in this field.
Designation Code
Press F2 for list and select the code by pressing Shift+F4.
Customer ID
If the related party (joint A/c holder) has a valid cust_id code, enter
the same here. In that case other details of the party like address
need not be entered.
Name (Mandatory)
Enter name of the related party. This field need not be field if party’s
69.
70.
71.
72.
73.
74.
75.
76.
77.
78.
79.
80.
81.
82.
cust_id is entered.
If the cust_id of related party is not entered, Address, City, State, Country,
Postal Code etc. of the related party need to be filled in.
If user wishes to enter one more related party detail, press Down Arrow and
follow the steps 64 to 70. After entering joint a/c holders’ details, user can
press F4 to come to enter option field.
Enter Option Press F2, select N – Nomination details option (3rd from top) by pressing
Shift+F4. Press F4 to get into nomination details. (User can type N instead of
pressing F2 and press F4)
Enter Nominee name (Mandatory)
Give the Nominee’s detail’s.
Relationship (Mandatory)
e.g. Father, Mother etc. Press F2, select relationship
by pressing Shift+F4.
Reg. No.
Registration number for nominee is default generated
by the system.
Please enter Address. (Mandatory) Two lines are
available for address; out of which 1st line is
mandatory.
City (Mandatory)
Type first 2-3 characters of city name press F2, select
city code from the list by pressing Shift+F4.
State (Mandatory)
Press F2, select state by pressing Shift+F4.
Country (Mandatory)
Default is IN (India). Need not be changed. If user
wishes to change, press F2 and select country by
pressing Shift+F4.
Postal Code (Mandatory)
Enter Pin/Postal Code.
Nominee Minor
Enter Y if nominee is minor.
Date of Birth
if nominee is minor, date of birth of minor must be
entered.and Enter guardian’s details as required.
Press F4 to go to Enter option field.
User can press F10 (Commit) to save the account details. Or otherwise, depending on requirement,
user can visit options 2 (TDS Details), C (Customer Instructions) options in OAAC.
System will display details like A/c No, maturity amount and maturity date. Click mouse on OK
button. A/c No consists of 14 digits as explained below –
SOL ID
Product Code
A/c No
Check Digit
8158
31
0000595
2
31 is product code for a/c opened under the FDMB scheme code.
Check digit is also a part of account no. User need not remember all 14 digits. Whenever user
accesses this account, he can simply enter 315952, system will automatically expand it to 14 digits.
This facility is provided only when user accesses customer’s accounts of user’s own branch. User must
enter all 16 digits in account no. field for accounts of customer’s of other branches.
Note : During new FD account opening, if the customer already has fixed deposit in the same branch
where he’s opening the new FD, and wants to know impact of TDS on FD, user can use
option 2 (TDS
details) to get the detailed information about TDS.
VERIFICATION OF FDMB A/c
Please note
1. The user who has opened the account through OAAC can not verify the account; as Maker
and Checker concept is applicable in Finacle,
2. During verification of account, no details can be changed, as all the fields are write protected.
3. Before verification, if user wishes to modify a/c details of newly opened a/c, he can use Menu
option OAACAU – function M (Modify).
Menu option – OAACAU
1. Function – V.
2. Temporary A/c No. – Enter the A/C No which is to be verified. User need not enter all 14
digits of account; user can enter short account no. of the account to be verified. If user
forgot to note account no. after committing OAAC, then user can retrieve it by pressing F2
in this field; select the account to be verified by pressing Shift+F4.
3. Permanent A/c No. – must not be entered. Press F4 to bring account details. User will see
General Details of account. Press F11 twice (Or click on Transmit button twice) to visit next
page. When the user is in 3rd page, press F4 to go to Enter option field.
4. Enter Option –Enter S (scheme details) and press F4 to visit scheme details. After verifying
scheme details, press F4 to come back to Enter option field..
5. Enter Option – Enter F (Flow details) and press F4 to visit flow details. After verifying flow
details, press F4 twice to come to enter option field.
6. If the user nomination details are entered during A/c opening, the verifying user must visit it.
Enter Option – Enter N and press F4 to visit nomination details. After verifying nomination
details, press F4 to come back to Enter option field.
7. Enter option – If the related party details like joint a/c details or authorised signatory etc are
entered, the verifying user should visit the same. Enter Option - A and press F4 to visit
Related Party Details. Press Up/Down arrow to scroll through the records. After verifying
related party details, press F4 to come back to Enter option field.
8. Enter Option - Press F10 to commit.
Note : System may display warnings or/and exceptions. If the verifying official has sufficient
work class to override the exceptions, he can press F4. If the user presses F4 and accept, then
only account will get verified. If the user presses F3, system will not verify the account.
Various Exceptions raised during account verification –
At the verification stage system shows some exceptions . The user having sufficient work class can
override these exceptions.
Some warnings/exceptions are –
1. Account name change exception – In the general details of account opening, system by
defaults populated customer name from the customer master. If during account opening,
user changes name of the customer, system may raise this exception.
2. Override default check - If user changes any of the default values populated by the
system during opening the account, like cash/clearing/transfer values, a/c report code,
collect charges etc, system will raise this exception.
3. Default Interest parameter change – System by default populates intt. Rate code (e.g.
TDGEN) in the intt. rate code field (2nd screen of general details). If the user changes this
rate code, system will raise this exception. As also, if user enters any preferential (customer
or/and account) interest Dr/Cr, system raises this exception.
4. Introducer not customer – During cust_id creation, introducer details must be entered. If
the introducer is not a customer and user enters only name and status of the introducer,
system raises the warning during cust_id verification.
5. Introducer New customer – In finacle, customer is treated as new for 3 months after
creation of cust_id. If during this period he introduces another customer, then the system
raises this warning.
6. Account verification balance check – During verification of an account, system checks
whether the principal inflow transaction is done in the account. If the same is not already
done, system raises this exception.
7. Value dated account opening – If the user modifies value date field available in the
scheme details to date prior than today’s date (i.e. BOD date), system raises this exception.
8. Cust_id mismatch (Cr) – In the C (Customer instruction), if the user enters account
number of a customer whose cust_id is different than the cust_id for which user is entering
C details, system will raise this exception.
C. Fast track FDMB a/c opening –
Let’s open a new FDMB deposit using menu option OAAC.
Assumptions in this example – Customer already has a Cust_ID.
Currency - Indian Rupees
Account Opening (Value) date - today’s date
Deposit Period - 12 month period
Nomination Facility – Yes. Nominee is not minor.
Mode of Operating – Self; with no preferential rate of interest. Maturity proceeds to be credited to the
same FDMB account.
Open A/c – Menu option OAAC
1.
Function –
O (Open).
2.
Customer Id –
Enter cust_id
3.
Scheme Code –
FDMB. Press F4.
4.
Function –
O (Open). Press F4.
5.
Mode of operation –
Enter SELF. Press F4.
6. Enter Option – Delete present option and enter S (Scheme Details). Press F4.
7. Dep/Instl. Amt - Enter deposit amount.
8. Deposit period – 12. Second field to be left blank.
9. Availing Nomination facility – Y. Press F4.
10. Enter Option – Delete present option and enter F (Flow Details). Press F4.
11. Flow details screen shall appear. Press Control+E (Explode).
12. Press F4 twice.
13. Enter option – Delete present option and enter N (Nomination Details). Press F4.
14. Nominee’s Name – Enter nominee’s name.
15. Relationship – Press F2 for list and select the code as per requirement.
16. Address – Enter Nominee’s address.
17. City Code - Press F2 for list and select the code as per requirement.
18. State Code - Press F2 for list and select the code as per requirement.
19. Postal Code – Enter the postal code as desired. Press F4.
20. Enter option – Press F10 to commit/save account details.
21. Message box shall appear. Please note account number, maturity date and maturity
amount. Press enter key or click mouse on OK button.
22. Press F3.
Verification of this account need to be done through menu option OAACAU.
F. DETAILS TO BE FILLED FOR SPECIAL/ORDINARY FD
Mandatory options in OAAC for FD are G (General), S (Scheme) & F (Flow) details. For
Special / Ordinary FD A/C opening, C (Customer Instructions) should also be entered for
crediting Monthly /Quarterly interest to customers operative A/cs like SF, CA etc. After filling
G,S & F Details, user should follow following steps –
1. Enter option
2.
3.
4.
5.
C (Customer Instructions Details). Press F4.
User can see * sign on left hand side of IO (Interest Outflow) record.
Press Control+E on IO record.
It is assumed that the interest will be credited to only one account.
In the first field, enter the account number of the customer where the
interest is to be credited.
In the second field, delete F and enter P (Percentage).
In the third field, enter 100 i.e. 100 percent of the interest will be
credited to the account entered in the first field. Press F4.
Note: If the customer wishes to credit interest in multiple accounts then, in the third field enter
the percentage of IO to be credited in first account. Press Down arrow on the keyboard and follow
the steps as mentioned above. User should also press Control+E on PO (Principal Outflow) record
and enter the repayment account i.e. the account where the principal shall be credited on maturity
of FD. Important: If C details (IO & PO) are not captured for Special / Ordinary FD, system shall
credit the interest and principal deposit to Sundry – Fixed Deposit account.
G ENTER DEPOSIT TRANSACTION IN NEWLY OPENED FD
Menu Option – TM
After entering the FD account number, amount, part tran type, particulars etc, user needs to
press F4. As the user is entering deposit transaction in PI (Principal Inflow) type of FD, system
automatically brings deposit additional screen with Flow Code as PI. User needs to press F4 twice
to accept the flow code. Enter the other part tran as usual.
Note: System does not allow user to accept (i.e. F4) deposit additional details if the amount
entered in credit part transaction of FD is more than the amount entered in deposit amount field in
scheme details of FD account opening. System raises error ‘Cum. Instl.paid (0.00) + tran amt
exceeds deposit amount’. User has to press F3 and modify amount field of credit part tran of FD as
filled at the account opening.
H. DEPOSIT PRINCIPAL BY CASH/TRANSFER IN FD DURING A/C OPENING.
Menu option – OAAC
After entering G,S & F (Mandatory) details, press F4. Make sure that the cursor appears in Enter option
field.
1. Enter Option
2. Type of Transaction
X (Transaction Details). Press F4.
Transaction creation during (O/V) – Enter V in this field if
transaction id is to be generated (& verified) during a/c
verification. Enter O if the transaction is to be created after
committing the OAAC.
- Case 1 – Enter C (Cash).Press F4. System shall automatically
generate transaction Dr. Cash and Cr. Deposit A/c (being
opened). Press F4. System shall come back to enter option
field.
Case 2 – Enter T (Transfer) & press F4. System shall try to
create CI (Customer Induced) type of transaction.
Very Important –
System may raise an error ‘Script Error: Interest Cr. Account not specified’; as the system picks up this
account for transferring funds to FD being opened.
Steps to enter ‘Interest Cr. Account
o
o
o
o
Press F3 in the current screen (i.e. X option).
Enter option – G. Press F4.
Press F6 to go to the next page.
Go to Interest Cr. Account field. Enter the account No. Make sure that the sufficient balance
is available in the account.
o
Press F4.
If the Interest Cr. Account is already mentioned in the concerned field before entering into X option,
system shall display the transaction. Press F4 to accept the transaction, system shall come back to
enter option field. If in X option, user has entered V in the Transaction created during (O/V) field, then
During verification (OAACAU) of the account, user needs to visit all the screen’s , otherwise system
will not create ( & will not post/verify) the transaction.
METHOD FOR RENEWAL OF FD
1.
2.
3.
4.
5.
6.
Ensure that Interest calculation and TDS deduction processes are over for FD to be
renewed, otherwise user can run ACINT / INTRUN and TDSCALC menu options.
User shall open a new FD A/c through OAAC in R (Renewal) mode by giving reference
of FD to be renewed.
Other user having sufficient work class shall verify opening of new FD A/c though menu
option OAACAU.
User shall close current FD (which is to be renewed) though CAAC in R (Renewal) mode.
System shall automatically display new FD A/c No. in Repayment A/c field.
Other user having sufficient work class shall verify closure of FD (which is to be
renewed) though menu option CAACAU. System shall automatically create necessary
transaction.
Check ACLI of both FDs to ensure proper renewal of FD.
PREMATURE CANCELLATION OF FDMB
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
Menu Option
Function
CAAC (Close an Account)
Z (Close). Press F4 twice. System shall not allow the user to
proceed for closure until all the pending operations are
completed. Also, if the FD is frozen, lien is marked, any
transaction in FD in entered state, SI (standing Instruction)
exists on FD etc. system shall not allow user to close the FD.
Function
Z (Close).
Withdrawn Amt
System shall display principal amount. Press F4.
Closure Remarks
User can enter closure remarks e.g. premature canc. Etc
Penel Intt for full period
Enter Y if applicable else N.
Repayment A/c No
Enter operative A/c of the customer, if he wishes to get
maturity proceeds credited to his operative a/c.
Add preferential to penel rate Enter Y if the user wishes to give preferential rate of intt. as
entered in OAAC/ACM (e.g. staff and senior citizens etc.) over
and above the interest rate applicable for premature
cancellation of FD.
Close Option
Press F10 to commit. Wait until the progress indicator turns
back to green.
Please note all the transaction Ids.
Premature Closure of FD needs to be verified by other
authorized user.
For authorization of account , Invoke menu option CAACAU .
12.
13.
14.
15.
Menu option
Function
Close option
CAACAU
V (Verify). Press F4 twice.
Press F10 to commit.
The proceeds shall be credited by the system to Sundry (intt.
Before TDS) A/c.
16.
17.
18.
19.
20.
21.
22.
23.
24.
Menu Option
Report to
Start A/c No.
End A/c No
Adhoc Run
TDSCALC (TDS Calculation)
Free text field e.g. user can enter his name.
Enter FD No.
Enter same FD No.
Enter N for actual TDS deduction.
Press F4.
Enter F
Enter N. Press F10. Wait until progress indicator turns green.
User can see ACLI of operative A/c to see proceeds of FD.
User can press press Control+E (Explode) on Repayment
entry to see TDS amount, alternatively use TDSIP or ACI
(option 2) to see TDS details.
Fore/Background
Print Required
Note : If the repayment A/c No. is not given in OAAC/ACM/CAAC, then after TDSCALC process, the
system shall Dr. Sundry (Intt. Before TDS place holder 3171118) and Cr. Sundry FD (place holder
3171106) for FD not having deducted TDS. For FDs having TDS deducted, system shall Dr. Sundry
(Intt. Before TDS place holder 3171118) and Cr. Sundry TDS (place holder 3171108) & Cr. Sundry FD
(place holder 171106).
OPEN AN ANUPAM DEPOSIT
1.
User shall use OAAC menu option to open Anupam FD under scheme code FDANU (for
geneal public) and FANUS (for staff members). Mandatory details are G, S & F. Please
change ‘auto closure’ flag to Y available on 2nd page of scheme details. User can also
enter optional details like A (Related Party Details for joint A/c etc), X (Transaction details
for depositing principal amount transaction) as per requirement.
2.
User shall open OD A/c using menu option OAAC under the scheme code ODAGN
(general public) and ODAST (for staff members).
3.
Authorised official shall verify Anupam FD account using menu option OAACAU.
4.
Authorised official shall verify Anupam OD A/c using menu option OAACAU.
5.
User shall use menu option ACM in modify mode and get into C (Customer Inst) details to
enter OD A/c as repayment A/c.
6.
Authorised official shall verify changes done in FD using menu option ACM.
7.
User shall use menu option SRM to create security record for OD A/c, by margin and
marking lien on Anupam Deposit.
8.
Authorized official shall verify SRM.
9.
User shall use inquiry menu option ACCBAL for OD A/c and check whether proper
sanctioned
limit and DP is available in the A/c.
10.
User shall issue a check book to OD A/c using menu option ICHB.
11.
Authorized official shall verify ICHB or ICHBAU.
J. HOW TO WITHDRAW FUNDS FROM ANUPAM DEPOSIT (PART CLOSURE)
As per existing scheme, customer may withdraw any amount from Anupam deposits, inmultiple
of Rs.1000/- before maturity without breaking the entire deposit and also without loosing interest on
remaining part of FD.
1. Invoke menu option SRM and modify unit value of security. Please check that the changes in the
screen are happening properly.
2. Authorized official shall verify SRM.
3. Invoke menu option CAAC. Function Z, enter a/c no., press F4. 2nd screen shall appear, modify
withdrawn Amt as per requirement (multiples of Rs.1000/-). Press F4. Please enter Anupam OD A/c
No. attached to the FD in Repayment A/c No. field. Press F10 to commit.
4. System shall credit Sundry (Intt. Before TDS) A/c with the amount entered in withdrawn amt
field+interest amount.
5. Authorized official shall verify the above operation thorugh menu option CAACAU.
6. The authorized official shall invoke menu option TDSCALC (TDS Calculation). Please enter value
in Report field, enter same Anupam FD A/c No. in Start A/c No. and End A/c No. fields, Adhoc Run
flag shall be made N. Press F4. Enter F in Fore / background, enter N in Print Required and press
F10. Please check OFTI post report (note transaction id on 4th page) and TDS success report in
PR.
7. This process shall debit Sundry (Intt. Before TDS) A/c and Credit Anupam OD A/c with (withdrawn
amt+interest)-TDS.
K. REFUND OF TDS
If the TDS is already deducted through menu option TDSCALC, and the same is not remitted to
Tax Authorities, user can refund the same using menu option RFTDS. User can refund whole or part
of TDS.
1.
2.
Menu option
Report To (Mandatory)
3
4.
Currency
Refund Cust ID (Mandatory)
5.
Closed A/cs
6.
Tran Type
7.
8.
Press F4.
RFTDS
It’s a free text field. User can enter any text in this
field.
By default INR appears.
Enter the same cust_id with which the deposit a/c was
opened.
If FD is not already closed or renewed, user shall enter
N in this field.
If customer wishes TDS refund by cash, then user
shall enter C (Cash), or otherwise T (Transfer).
System shall display all the FDs falling in the criteria
entered in the above screen.
8.
Sel –
9.
Refund Amt
10.
Refund Acct.
By default Y appears in this field i.e. if customer
wishes to get refund of TDS for this FD, then user
shall keep this flag as Y, else N.
System automatically displays amount to be refunded.
If customer wishes to get part of TDS, user shall
modify this field.
User can enter operative A/c (SF/CA/CC/OD) of customer
where the TDS refund is to be credited. This field is
protected if the refund is to be made by cash. If there are
more than one FDs in which TDS has been deducted and
customer wishes to get refund in other FDs as well, then
user shall press Down arrow on the keyboard, to go to
next FD and Follow step 9 to 11.
Finally press F10.
Enter F in Fore/Background field, N in Print Required (if
printer is not attached to the computer) and press F10.
User shall get into menu option PR and view reports Refund TDS, Failure Report for TDS refund and OFTI Post
Report. Please get into 4th page of OFTI post report and
note down tran_id. If the transaction is not posted/verified
by system, user shall post/verify this transaction through
menu option TM. System creates a transaction of Dr.
Sundry TDS and Cr. Cash/Operative A/c of the customer.
User can check ACLI of operative A/c which was entered
In ‘Refund Acct’ field to confirm whether the proceeds are
credited by the system. User can take print of refund
voucher, through menu option VCHR.
11.
12.
Note – Under no circumstances, user should try to refund TDS directly through TM
by debiting Sundry TDS.
L. REMIT TDS
Before getting into this menu option, user should check entries for a month in Sundry – TDS A/c
using
ACLI or ACLPOA menu options. User should also take print of TDSIP option No. 5 (TDS summary) for
a
month. User should then tally entries in ACLI (or ACLPOA) with TDS summary report.
1.
2.
3.
Report To (Mandatory)
4.
Remit Optn (G/C/R)
User can enter Manager
Enter the selection criteria.
If user wishes to remit the TDS deducted from all the FDs, the
he shall not fill any criteria. Enter Dates in respective fields,
generally for a month.
Enter G if TDS is to be remitted; enter C if TDS is remitted and
user wishes to capture challan No. etc.
Press F4.
System shall display all the FDs falling under the criteria
entered.
Enter Y to select FD for remitting TDS, else N.
Press down arrow on the key board and select (i.e. enter Y in
Sel field) or deselect (i.e. enter N in Sel field).
Press F10 to commit.
Enter F.
Enter N (if printer is not attached to computer). Press F10.
User shall get into menu option PR and view/print ‘Remit TDS’
report. User shall tally the figures with ACLPOA (or ACLI) of
Sundry-TDS A/c.
User shall then manually pass the entry thorugh TM by
debiting Sundry _ TDS A/c with the grand total as printed in
above report.
After getting acknowledgement from Tax Authorities, user
shall invoke same menu option i.e. RMTDS. In this case, user
shall enter C in ‘Remit option (G/C/R)’ field and enter challan
No. in ‘Remit Details’ field.
5.
6.
7.
8.
Sel
9.
10.
11.
12.
Fore/Background
Print Required
13.
14.
M. HOW TO PRINT TDS CERTIFICATE
1.
2.
Menu option – TDSIP
Report Option
- Enter 2.
Enter the criteria for selecting customers/accounts for printing TDS
certificate. E.g. is user wishes to print TDS certificate for a particular
customer, he can enter cust_id in Cust_id from ad to fields. If user
wishes to print TDS certificates of closed FDs as well, he shall enter Y
in ‘Closed A/cs’ field etc.
Press F4.
System shall display all the accounts selected by it, falling under the
criteria as entered by the user, with the * on Left Hand Side of each
FD.
User can include or exclude FD from TDS certificate by pressing
Shift+F4.
Press F4.
Printer ID Local. Note Please make sure that the ILINKWEB is running in the
background. Ensure that the printer is ON.
Delete on Print
Enter Y or N as per requirement. If the user enters N in this field, he
can view/print the same report through menu option PR.
Press F10 to commit.
3.
4.
5.
6.
7.
8.
9.
N. PRINTING OF FDR
FIRST USER HAVE TO EN SURE THAT THE NECESSARY INVENTORY IS AVAILABLE AT USER’S
LOCATION, OTHERWISE USE MENU OPTION IMC TO MOVE THE INVENTORY AT USER’S
LOCATION.
Invoke Menu option – DRP
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
Customer ID
Enter customer ID, if user wishes to select all the FDs opened but not
yet printed for a particular customer.
From A/c No and To A/c No
If user wishes to print a particular FDR, user shall enter the same A/c
No. of the FD in both the fields.
After entering the criteria, press F4.
System shall display all the FDs falling under the criteria with *
appearing on left side of each FD (i.e. the FDs are in selected mode
for printing). User can use Shift+F4 to select or deselect FD from
printing criteria. Only FDs which have not been printed even once
shall be selected by the system.
Press F4.
Printer ID – Local
Please make sure that the ILINKWEB is running in the background
and printer is attached to the computer and in OK status, also ensure
that the required inventory is available at user’s location.
Delete on print
Y
Press F4. System shall display screen equivalent.
If the inventory is available at user’s location, then system shall
display printed Srl. Num (Alpha and number) in respective fields.
Make sure that the same inventory is inserted into the document
printer.
Press F4. Please check whether the FDR is being properly printed.
After printing the FD, system shall seek confirmation ‘Print OK’. If the
print is OK, user shall ensure that Y is appearing in the field and
press F10.
If the printing is not proper and FDR is not in a condition to insert
again into document printer, user shall enter D (Destroy Inventory)
and press F4. System shall move the inventory to destroy location
and shall bring next inventory available at user’s location for printing.
If the printing is not proper and the FDR is reusable, user shall enter
P (Print Again) and press F10.
DUDRP menu options can be used for duplicate FDR printing and reprinting FDR respectively.
Menu Option – DUDRP
1. The input screen is similar to menu option DRP.
2. Please enter the criteria as per requirement. Press F4.
3. System shall display all the FDs falling under the criteria entered. System shall display only those
FDs which have been printed at least once.
4. Select/deselect FDs for printing by pressing Shift+F4.
5. Press F4.
6. Please follow steps 6-13 as discussed above and as per requirement. Please enter ‘Issued in
lieu original FD No._____________ reported lost’ in the ‘Remarks’ Field.User can invoke
menu option ACM in modify/inquiry mode and in the enter option field type K
(Denominations details) and press F4. User shall check the status of old FDR as H (History)
and duplicate FDR’s status as A (Active).
O. HOW TO CHECK FOR UNPRINTED FDRs?
Before the day end i.e. ABH, user shall invoke menu option PENDDRP and enter dates in
related fields. Press F4. System shall display all the unprinted FDRs failing under the
selection criteria entered in the previous screen. User can print the FDRs .
Q. REPORTS
Menu option – ACDET (ACCOUNT BALANCE DETAILS)
User wishes to list all FDMBs maturing today.
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
Report To (Mandatory) – Free text field.
Scheme Code From & To – FDMB
Maturity Date From & To – Enter the dates.
Press F4.
Enter the values in Fore/Background & Print Required and Press F10.
Wait until the progress indicator turns to green.
Quit from the menu option and invoke menu option PR and view / print the report. E.g. User
wishes to list all the fixed deposits (like FDMB, ordinary, special etc.) matured and renewed
as on BOD date.
Report To (Mandatory)
Free text field. E.g. enter Manager.
GL Subhead From & To
Press F2 and select GL subhead code for Fixed Deposit by
Pressing Shift+F4, or enter 10100.
Close Date From & To
Enter BOD date in both the fields.
Deposit Status
Press F2 and select R (Renewal) by pressing Shift+F4. Or
enter R.
Press F4.
Fore/Background
Enter F.
Print Required
Enter N. (Or Y if printer is attached to the computer)
Press F10.
Invoke menu option PR and view/print ‘Account Details Report’. This report shall list all
the FDs matured and renewed. But system shall not display A/c No. of renewed FD.
User can generate various types of reports as per the criteria like A/c closed, lien marked,
amountwise, opened/matured/renewed between different dates, deposit period-wise (like
12 months, 24 months), FDs of a particular customer, spl category deposits (like blocked,
court order, tender money etc.), safe custody deposits etc.
ACDET may help Auditors to list all the fresh FDs opened between the dates.
1.
2.
3.
4.
5.
6.
7.
8.
9.
Report To
Account open Date & To
GL Subhead From & To
Free text field. E.g. Auditor.
Enter the dates.
Enter GL Subhead code as 10100 in both the fields.
Press F4.
Fore/Background
Enter F.
Print Required
N. (If printer is attached, then enter Y).
Press F10.
Wait until progress indicator turns green.
Invoke menu option PR and view/print ‘Account Details
Report’.
10.
Please go to right hand side of every FD and check the value
under the deposit status (DS) column. Please count all the
FDs having value under DS column as blank.
There are inquiry/report/MIS menu options related to FD/RDs.
1.
SDD
– Schemewise distribution of deposits.
2.
RDD
– Ratewise distribution of deposits.
3.
FDD
– Flow Amountwise distribution of deposits.
4.
GDET
– General Deposits Details.
5.
ACS
– Account Selection.
6.
RELACI
– Related Accounts Lookup for Deposits. Generally used for finding
old/renewed references of FDs.
7.
DEPINT
– Interest Calculator.
8.
DEPMOD
– Deposit Modeling.
9.
DN
– Due Notice. Can be effectively used to inform customers about maturity of
their FDs.
12. PLIST
– Pending Installments List.
13. TVSI
– Term Deposit Interest Slabs Inquiry.
