ITTC-Job Cards II

INFORMATION TECHNOLOGY TRAINING CENTRE
Koregaon Park, Pune
Job Cards
For use of
New Staff joining the Bank as
Clerk / Officers
Written by ITTC, Pune Page 1

Index
(1) Job Cards : Internet Banking (Retail) ........................................................................................... 3

(2) JOB CARD FOR INTERNET BANKING – CORPORATE .................................................................... 5
(3) JOB CARD FOR ATM CARD........................................................................................................... 6
(4) JOB CARD FOR Mobile Banking – New Registration – BTM ........................................................ 8
(5) JOB CARD FOR E-PAY................................................................................................................. 10
(6) Job Cards : Function Keys & Shortcut Keys in Finacle & Password Maintenance ..................... 11
(7) Job Cards : Creation of Customer Master ................................................................................. 13
(8) Job Cards: S/B & C/D A/C Opening ............................................................................................ 16
(9) Opening of account through online: ......................................................................................... 17
(10) Job Card for Account opening of CC account and OD account ................................................. 18
(11) JOB CARD FOR CASH VOUCHER POSTING - TM ......................................................................... 20
(12) JOB CARD FOR TRANSFER VOUCHER POSTING - TM................................................................. 21
(13) JOB CARD FOR : JET CLEARING .................................................................................................. 23
(14) JOB CARD FOR : OPENING OF DOUBLE BENEFIT DEPOSIT ........................................................ 24
(15) STAR FLEXI RECURRING DEPOSIT SCHEME ............................................................................... 25
(16) Job Card for Account opening of LOAN account ....................................................................... 26
(17) Job Card for Add/Modify/substitute Securities : ....................................................................... 28
(18) Job card for STANDING INSTRUCTION MAINTENANCE ............................................................. 30
(19) Preparation, Payment, Printing of DD/PS ................................................................................. 31
(20) Job Cards : Safe Deposit Vault (SDV Lockers) ............................................................................ 32
(21) JOB CARD FOR BANK GUARANTEE ............................................................................................ 33
(22) JOB Card :: Loan Against TDR.................................................................................................... 34

(1) Job Cards: Internet Banking (Retail)
Prepared By: Sandesh Nangare. ITTC, Pune.
 The Retail Internet Banking meets the requirements of our customers (individual, small
businessmen)
 The Retail Internet Banking access all your banking accounts with the Bank*, 24 hours a day, 365
days a year this had facility for only View of account or all type of banking financial transactions
on a secure website (expect cash transactions). With Future, date transactions also.
 Retail Internet Banking is provided to • Individuals, • HUF, • Sole Proprietor. In Retail Internet
Banking, only one user id means Account having only one CUMM.
 Request Form of Retail available in branch and Bank Of India website
 When receive Request of customers for Retail Internet Banking, see that has
complacently fielded and sign by all the account holders. Get the signatures
authenticated by officer / supervisor. If customer has given only account number search
the cust id from Finacle (Menu ACLI).
 go to CUMM Menu and check and update all the required information has been properly
filled in CUMM and not use of Wild or special character or input as updated or migrated
values in any field.
 If changes required changes application and proofs from the customer, such as address
proofs and other KYC information do the needful.
 ( Mandatory field in CUMM for Internet Banking as Status, Group, Occupation,
Constitution, Trade Finance Cust ?, Communication Address(in two lines with PIN code) ,
Permanent Address, Mobile No, Email ID)
 After CUMM use menu option STCON and verify the same using Finacle menu option STCONV.
 In STCON menu mandatory fields (Such as User Id Choice 1 * ,Faci Type Req *,Account
Number *,Last Name *,First Name *,Salutation *,Customer Id *,Function *)
 In this information over option, for Mobile Banking is active in this menu is Y then
Account and Mobile Number is mandatory.
 If Error come go back to CUMM menu and change as per Error generated.
 After use menu option STCON and verify the same using Finacle menu option STCONV.
 The Customer’s request has been registered.
 After Customer’s request registered. The allotment of User ID, Password(s) done at the Data
Centre and mailed directly to the Customer at his mailing address.
 Login Password is pre-enabled while Transaction Password needs to be acknowledged
either through Finacle or through Internet Banking (only if customer has our Debit Card)
 Enter the acknowledgement request as per details mentioned below
 Use the menu STCON
 Chose the option no. 2 and enter “U” (“U” is used for acknowledgement or unblocking
both) F4
 Use the menu STCONV Verify the entered acknowledgement
 Finacle – Menu Option IBSTATUS (for Retail and Corporate Customer)

Function Keys & Shortcut Keys in Finacle 2013
 Branches may require to know the status/details of Internet Banking users i.e. user id, customer
id linked to a user id, address, mobile number, telephone number of the internet banking users.
 IBSTATUS menu option branches know the particulars of any internet banking customers
available in Internet Banking database along with present status.
 The status of the customer is not enabled it will also suggest the branch about what action
branch should take to make him active..
URL for Request Form on Internet

 https://starconnectcbs.bankofindia.com/BankAwayRetail/(S(5z2k10453pjcqzngc443234
5))/docs/Starconnect%20Retail%20Reqeust%20Form.pdf
*** End of Job Card - Click Hear for go to INDEX ***

(2) JOB CARD FOR INTERNET BANKING – CORPORATE

Prepared By: Sudam Garde, ITTC, Pune.
 Eligibility - Partnership, Trust, Limited Companies, Body Corporate and Proprietary Concern
availing Trade Finance facility.
 Facilities available – Multi user and account level access, multi-level workflow rules, Self / third
party/ bulk upload for NEFT/ RTGS funds transfer, Third party debit, Taxes, DGFT payments,
Request for LC lodgement, Display of Documentary Credit, Bills & Guarantees, alerts on forward
contract.
 Prerequisites – Obtain duly filled in forms based upon customer’s requirement.
 Request form for availing BOI services – CORPORATE (5 pages form)
 Agreement cum Indemnity
 Resolution (As per Bank’s format)
 Stamped Mandate from third parties (whose accounts to be credited or debited)
 Stamped & notarized power of attorney (in favour of customer, from the party whose
account is debited.)
 The forms are readily available on BOI website under login page “NEW USER” tabs.
 Profile updation – menu CUMM - Based upon information available in application form, update
the fields like Type, Status, Group, Occupation, Constitution, Communication/ permanent
address, mobile number with +91, email Id. Trade finance flag should by “Y”. Get the record
verified.
 Entry of application – Menu STCON – (To be used only, if)
 Facility is not already extended to the customer
 There is NO restriction on access to the accounts in Customer Id. (Ref. Section 5 of
application form)
 Multi-level workflow is not applicable. (Ref. section 6 & 8 of application form)
 For detail guidelines on STCON, refer to Retail Internet Banking Job card. Ensure
that firm name is entered in “Firm Name” box. Get the record verified through
“STCONV” menu.
 Entry of mobile numbers of signatories – Menu CORPMOB – Mobile numbers of all users to be
updated through this menu. Messages like OTP, online alerts will be sent to users on registered
mobiles.
 Forwarding application – A Xerox copy of “Corporate request form” should be sent to Corporate
Internet Banking department at Data Centre, Belapur. Note – The form is required to be sent
only in case, work rules are mentioned under section 5, 6, 8 in the application form.
 PIN Mailers - After the request is processed at DC, the PIN mailers (Login Id, Login password,
transaction passwords) will be sent to the users at their mailing addresses.
 Acknowledgement of password - Transaction password needs to be acknowledged in the Finacle
through STCON menu option 2 (Ack/Unblock/Reg).
 Menu IBSTATUS - To know the status/ details of internet banking users, this menu is used.
 STCON menu - can be used for Acknowledge/ Unblock/ Regeneration of login, transaction
passwords. On line facility for these activities is available for users having ATM card.
 Communication details - Mail id for any communication – [email protected] IP
Phones – 16220, 16221.

(3) JOB CARD FOR ATM CARD

 Menu ADCREQ – For issuance and deletion of ATM cards

Purpose Activity Procedure
Issuance of Adding request Note – Before adding request, obtain debit card request from
personalized customer. (All required forms are available in Br. Cir. 107/022.
Debit Card Update for latest changes in CUMM and verify.
Function – A
Enter “Account Number” & “Card type” & F10
Verifying request Function – V (by officer)
Either enter a/c number or press F2 to select the record
Issuance of Adding request Function – R
non- Enter “Account Number” & “Card type” will be displayed as “D”
personalized (Master Debt card)
(Ready Kit) Enter 16 digit card number appearing on envelope & F10.
card Verifying request Same as for personalized Debit Card. Activation will be after 03
working days.
Deletion of Deletion of card Function – D
the card Enter account number and press F4. Issued cards will be listed;
select record with shift+F4
Press F10
Verify deletion Same as for personalized Debit Card
 Menu ATMCRA – ATM card related activities

Issuance of Adding request Step 1 - Function – A; Enter “Account Number” & clicking on card
INSTA PIN number help tree, all the cards will be displayed, select the card.
In case card number mismatch message, verify genuineness and
click on “Yes” against “Account/ card number mismatch
(override) field.
Step 2 - Select request type as “Insta PIN generation”
Step 3 - Feed in 12 digit Insta PIN number as printed on INSTA
PIN envelopes. Note – Master PIN is valid for Master card & vice
versa. The click on SUBMIT. Reference number will be displayed.
Select reference number. Verify the details and click on SUBMIT.
INSTA PIN will be activated after 03 working days.
Replacement Adding request Note - Request can be entered if card is hot listed or spoiled
of card before expiry date. Replacement cards after expiry of old cards
are issued by CPD automatically i.e. without request.
Follow Step 1 mentioned under Issuance of INSTA PIN.
Step 2 - Select request type as “Replacement card”
Step 3 - Click on SUBMITS. Reference number will be displayed.
Request can be cancelled before verification with Function – X.
Verifying request Same as mentioned under Issuance of INSTA PIN.
Replacement Adding a request Follow Step 1 mentioned under Issuance of INSTA PIN.
of card with Step 2 - Select request type as “Reissue for Embossing name
changed change”
embossed Step 3 – Type new name to be embossed on replacement card.

name Click on SUBMIT. Reference number will be displayed.

Verifying request Same as mentioned under Issuance of INSTA PIN.
Inquiry of fed requests Can be done by selecting Function I and selecting reference
number.
 Menu ATMREV – ATM Reversal (charge back claims)

Charge back Adding request Note - Request for other branch customer can also be entered.
claims Transactions failed on ATM with particulars as “CWDR” only are
entered. The details can be obtained from ACLI menu with
pressing ^E on required transaction.
Step 1 - Function – D; Enter transaction “S……” number.
Transaction date. Pressing F4, details will be displayed.
Step 2 – Enter amount to be reversed with Remarks.
Step 3 – Press F10. Reference number will be displayed.
Request can be cancelled before verification with Function – X.
Select reference number. Verify the details and click on SUBMIT.
 Menu CARDSTAT – Card Status

To know the Inquiry Accounts attached to individual account with status can be
card status known with Function “I” and giving account number.
Update Adding request Select “Update delete flag” under function. Enter Account
delete flag number.
Click on Select box against card to be deleted and SUBMIT.
Verifying request Select “Verification” under function and verify the record.
 Contact numbers –
 For Issuance, replacement of Debit cards & INSTA PINs [email protected]
 022 – 22682037
 For Hot listing (telephones) - 18004251112 (Toll-free) 022-40429123; 25711616
 e-mail - [email protected]; [email protected]
 For ATM reversal [email protected]
 For ATM card courier Xfas courier - [email protected]

(4) JOB CARD FOR Mobile Banking – New Registration – BTM

Prepared By: Sandesh Nangare. ITTC, Pune.
 Eligibility :
Bank of India Customer with registered Mobile Number and constitution is Individual
 Facilities available:
 Mobile Banking with Transaction facility- Fund Transfer, Cheques Requests(Stop
payments of cheques ,Cheque inquiries) MMID Generate, Retrieve Cancel and MPIN,OTP Generate
 Mobile Banking Without Transaction facility : - see balance and generate mini
statement Only for Operative Accounts, Deposit Accounts, Loan Accounts
 Prerequisites:
Android, BlackBerry or iPhone Latest Mobile phone with Internet connection.
 Profile updation:
On-line through Internet banking or Off line through Parent Branch.
 Entry of application
 On Line Registration- The procedure for registering Mobile banking through internet
Banking is as under – On successful login into Internet banking, the customer will click the
link “BTM Mobile Banking” under ‘Requests’ menu
 Off Line Registration - duly filled Mobile Banking application submit Parent Branch.
 Branch Work - verify the KYC, Use FINACLE Menu “BOIBTM” Enter 1 for new registration
 Allotment of User Id :-
 Customer having internet banking: - BTM User ID will be same as internet Banking user
ID. The customer will have option to have Mobile Banking with or Without Transaction
facility
 Customer without internet banking: - customer ID will become the Mobile Banking User ID.
Next working day. Customer will be informed User ID by way of SMS sent to his Registered
Mobile Number.
 Process of Fund Transfer
Process to Transfer Fund IMPS (Immediate Payment Service):
The two modes of IMPS available are:-
1. IMPS Fund Transfer to Mobile Number (IMPS – P2P).
2. IMPS Fund Transfer to Account Number (IMPS – P2M).
The Beneficiary details required for IMPS – P2P are:

a. Beneficiary MMID (MMID [Mobile Money Identifier] is a seven digit number),
b. Beneficiary’s Mobile Number,
The Beneficiary details required for IMPS – P2A are:
a. Beneficiary IFSC code,
b. Beneficiary’s Account Number.
 Activation of Mobile Banking

 Download/Installation :-
 After downloading and installation BOI BTM, send an SMS from your Registered Mobile
Number. Type the SMS “starotp” and send it to 9810558585.

 After sending the SMS, an OTP will be received on registered mobile phone. The validity of
this OTP will be of ONE HOUR only.
 Open the BOI BTM Application and enter the Mobile Banking User ID followed by the SMS
OTP
 Accept the Terms and Condition of Mobile Banking.
 Set New MPIN (MPIN is a four digit number) and confirm new MPIN and press “Activate”
button.
 This process is one time activity and subsequently User can login by using his / her BTM User
ID and MPIN. MPIN can be changed at any point of time using “Change MPIN” option
available under “More” tab application.
 For Generation of transaction password :-

After successful activation User has to login with BTM User ID and MPIN. The transaction
password can be set by user himself and activate the same through request menu in internet
banking. Those who are not having internet facility, should approach the parent branch for
activation of transaction password
 For Generation of MMID:-

Customer needs to type the keyword MMID from Registered Mobile Number and send it to
Bank’s long code 9810558585. Otherwise after login into application, under Immediate Payment
Service option there is an option for Generating MMID. By clicking this option, all MMIDs would
be generated and be displayed on the Mobile’s screen.
 For Retrieval of MMID:-

Customer needs to type the keyword MMID from Registered Mobile Number and send it to
Bank’s long code 9810558585. All existing MMIDs would be retrieved and displayed in to the
customer on his handset. Otherwise after logging in to the application, under Immediate
Payment Service option, there is an option for Retrieval of MMID. By clicking this option, all
MMIDs would be retrieved and be displayed on the Mobile’s screen.
 For Cancellation of MMID:

If a customer wishes to de-activate from IMPS by cancelling his MMID, then he / she can do so
by typing the keyword CANCEL MMID OR CANCEL MMID nnnnn <where nnnn is the complete 15
digit Account Number> from Registered Mobile Number. Apart from this, customer can cancel
MMID by selecting the appropriate option for Cancel MMID in Mobile Banking application.
 Communication details for Customer Grievances: - Customer can send email to email ID
[email protected] , Customer can also contact Toll-free on 1800 220 229 for
any assistance.

(5) JOB CARD FOR E-PAY

 Purpose – Upon availing this facility, the periodic bills of customers like telephone, mobile,
electric supply are paid to service providers by the vendor “Bill-desk” by debiting the customer’s
account. List of service providers available in different location is available on www.billdesk.com
 Eligibility – Customers having SB, CD or OD accounts are eligible.
 Advantages – No cheques, No cash, No queues, No delayed payments. Customer can pay others’
bills also. This service is absolutely FREE.
 Facilities available –
 Online pay – This is a “view & pay” facility mostly opted by tech savvy customers. These
customers are provided user Id by “Bill-desk”. Customers can login to Bill-desk site and can
give the instructions like “Pay on date”, “Bill Amt.”, “Pay amt.”, “from Account”, “Pay Y/N”.
 Auto Pay – This facility is mostly opted by non-tech savvy customers. Customers can set cap
of the amount and the bills falling under the upper limit, are paid directly by the vendor 05
days before due date, without any intervention of the customer. In case of bill amount is
more than cap limit, customer will be intimated over an e-mail or over phone. Customer can
stop, cancel or modify his Auto pay instructions.
 Registration – Registration can be on-line or off-line.
 On-line registration –
 Customer logs in on www.billdesk.com and clicks on “Register Now” link or
www.bankofindia.co.in website Ancillary services-> Pay Bills ->”Register Now” link.
 Updates personal profile, contact information, e-mail Id and the details of Bank account.
 Thereafter downloads pre-filled enrolment form with Bank’s authorisation form and
submits to branch. Branch also authenticates the account details on form.
 Off-line registration –
 Customer approaches to the branch. Branch has to provide registration from and get
duly filled. Branch also authenticates the account details on form. (Soft copy is available
on BOI website->Ancillary services-> Pay Bills -> Download Registration Form link.)
 Duly filled and signed forms with a cancelled cheque and a copy of bill are
forwarded by Branch to Link branch in the city. Link branch in turn forwards bill
desk centre in the city.
 Activation – Generally this facility is activated after 14 days. Customer’s next bill will be directly
paid by the Bill desk.
 Operation –
 Customer will keep receiving regular bills. He will also receive intimation over mail. After
payment of the bill, confirmation is sent over mail.
 Customer can add/ delete service providers.
 He can give instructions to stop the facility and branch will in turn inform to Bill Desk
 Communication details – Bill Desk - Mail id [email protected] ; Helpdesk – 022-56920001;
40920001. BOI mail id – [email protected] Telephones – 022- 66684818; 67447119.
City wise help desk numbers are also available on www.billdesk.com

(6) Job Card: Function Keys & Shortcut Keys in Finacle & Password Maintenance
Prepared By: Anand Shrimali ITTC, Pune.
 Function Keys are special keys provided on the QWERTY Key Board on top side and are named
F1, F2 to F10 and on some keyboards also F11 & F12. For working in Finacle, majority of the
times these Function Keys are essential. These keys are either used to access subsequent
screens, accept the values, complete the transaction or complete the Action. These Function
Keys & Shortcut Keys are described as following:
 <F1> Field Level Help, if available in Finacle
 <F2> Help Key List, when the help menu exceeds one screen or
Search facility for the given field value
 <F3> Not in Use
 <SHIFT>+<F3> Forceful Exit to Main Menu, same as clicking <EXIT> button on bottom
 <F4> Validation of value in a particular field or
Commit (Complete) the Transaction
 <F5> Frequently used Background Menus; User can either enter the Menu Number or
type the command in the “Make Your Choice” box on Main Menu
 <F6> Takes the user to the next screen in multi-screen options, also indicated by the
green
<Right Arrow> at the bottom of the screen
 <F7> Not in Use
 <F8> Used to copy previous Transaction amount in Txn Maintenance Menu (TM). If the
Debit amount is entered in first Txn, same can be recalled in amount field, while posting the
Credit Txn
 <F9> View the Signatures in an account by the Teller CTO or Officer, to come out of the
screen use <ALT>+<F4>
 <F10> Commit and save the work done
 <F11> Validate and take the user to the next field, field input may or may not be
mandatory
 <F12> Go to previous screen in multi-screen input, this is opposite of <F6> described above
 <SHIFT>+<F11> Transmit action, same as clicking <TRANSMIT> button on bottom of Finacle
screen – useful, when the screen seems to hang or does not accept value
 <TAB> Takes the user to the next field item, in many cases <Enter> Key performs the same
action
 <SHIFT>+<TAB> Takes the user to the next field item, Reverse of <TAB> key action
 <SHIFT>+F4 Select item / string from the list available in the menu screen
 <CTRL>+D Also indicated as [^D] – Page Down if the screen data is more than one page
 <CTRL>+U Page Up if the screen data is more than one page, opposite of ^D
 <CTRL>+E Explode the menu on a given field, displaying the output of another menu or screen,
if allowed by the Finacle
 <CTRL>+F Clear the contents of a field, i.e. shortcut key for <Backspace> for correction or input
 <CTRL>+X Insert the current date (BOD) in the date field, or maximum value in amt. field
 <CTRL>+C Copy the contents of a field in memory – as usual in all the windows applications
 <CTRL>+V Paste the contents from memory in a field – as usual in all the windows applications
 PASSWORD MAINTENANCE

 Menu: PWMNT
 Procedure: After Login-in in Finacle, type menu PWMNT in the Main Menu option
 Or enter any other Menu, and then Press <F5> to go to Background Menu. Select option No.18
(PWMNT).
 Now enter your Current Password (Please take care of Upper/Lower Case Letters). This will be
displayed as spaces in the field. Then Press <F4>
 Now enter new Password in the Second / Next Field, then Press <F4>
 Now Retype the New Password in Third / Next Field and Press <F10> to accept the value
 Now Logout and again Login using New Password to check the acceptance of the new password.

(7) Job Cards: Creation of Customer Master

Prepared By: Nilay Sahu, ITTC, Pune.
 Menus used for creation of new customer ID- are

 CUMM- Web mode
 HCUMM- ONS mode
 Through WEB mode
 Type CUMM in menu bar and Enter
 Screen - 1
 Function (Help (F1) available in code where option A-Add, M-Modify, C-Copy, L-List, D-
suspend, Unsuspend, X-Cancel, V-Verify)
 Use option A-for addition of new Customer ID, (you can copy details from other customer ID
using option C.)  F4
 Salutations (F2 help Available) F4 Full name- F4 Short name (four word of starting of
the name) Enter Type (F2 for help)
 Enter Status (F2 for help), Primary Sol ( default parent branch)
 Enter status as on date (Ctrl+X for current date in date field),
 Group (F2 for help), Occupation (F2 for help),
 Gender- M for male or F for female for individual ID and O-other for firm/company account.
Occupation (F2 for help) Staff- Y or N, if Staff is Y then enter Staff no in Staff field,
Minor- Y or N if Minor Y then you have to visit minor details by using M in option code
 Non Resident Y or N, Trade Finance Y or N,
 Enter Cust ID in Introducer details if there is no introducer then enter name and Introduction
Status (F2 for help),
 Enter AADHAR No and DOB in appropriate column, F6 for next page/screen,
Enter Address in communication address column in both line,
 Email ID- in Email id column if there is no Email then type NA,
 In Mobile no Column type mobile no by using +91 or other country code(in case of NRE
customer) in prefix of mobile no, if there is no mobile then type MNA,
 F6 for next page/Screen - 2:
 Combined Stmt- Y or N (if enter ‘Y’ then you have to enter STMT freq in the bottom of First
Page/Screen),
 Community, Caste, Health Code- Enter appropriate value (F2 for help)
 In Tax Slab column- use TDS02 if customer having PAN Card and Pan no enter in PAN/GIR No
column and if he has no PAN card then enter TDS20 in Tax Slab Column and type Form60 or
Form61 in PAN no Column.
 F6 for next page/screen again F6 for next screen – 3:
 Charge Turnover Required Y or N Purge allowed Y or N
 Allow Sweeps Y or N
 F6 for Next page/Screen – 4:
 Free Text5- Regular for normal customer and SDVLOCKER for Locker Holder Account.
 Free Text7 – Walk-in or Staff PF no, Free Text 10 enter customer risk
category (H-high, M-medium, L-low),
 Free code 11 Y or N (‘Y’ for compromise loan a/c and N for other a/c),
 F6 for next page/screen – 5:

 Free code 2- Y for KYC compliance and N for KYC not Compliance
 Then F4 you will get first screen/page then press F4 and F10 you will get currency screen
enter currency INR and F4 and F10
 You will get customer id in 9 digit. (There are total eight screen/pages in Customer creation).
Please note CUST-ID on the A/c Opening / Application Form.
 Through ONS mode

 Menu option – Hcumm
 Function code- A (Select from drop down button) for add new customer ID
 Click on submit You will find Screen of Personnel Details
 Note- All red ostrich mark fields are Mandatory Field.
 Enter Customer name Short name (Four starting Alpha of the name)
 Select Marital Status from search button
 Staff, Click on Y or N (if click on Y then have to enter Staff no)
 Minor Click on Y or N (if click on Y then have to enter details in the tab of Minor Details)
 Non Resident Click on Y or N
 Select DOB from calendar
 Address Type- Select from Drop Down button
 Fill all mention Details which are not mandatory field.
 Passport Details- If customer having Passport
 Language Preference- Select from Search button
 Additional Personal Details- Spouse Details
 Payment Details for opening of Account- If select Cheque then enter Cheque Details
 Bank of India Products availed of- Select from search Button if customer has availed our
product
 Proof of Address Submitted- Select from Drop Down arrow
 Assets ownership- Select from Drop Down arrow
 Banking Investment Activities –Click on Appropriate boxes
 Other Account Details-Enter Card Details if customer has
 Internet Access-If click on Internet Access then select Internet Access At from Drop Down
 Banks Cards Details- Select from Drop Down
 Corporate Details- If customer has business then enter detail
 Tax Registration Details- Enter Registration of Different type of Taxes.
 After entering all details provided by customer click on validate
 Click on Personal Details Tab-
 Primary Sol- Default Parent Branch
 Allow Sweep- Click on Yes or No
 Trade Finance Customer- Click on Yes or No
 Is Swift Code of Bank- Select from Drop Down Arrow (in Case is customer is having forex
business)
 Purge Allowed- Click on Yes or No
 Introducer Details- Enter Customer Id of Introducer select from search button
 Customer Charge Details- If click on charge turnover required then have to enter details
selected from search button.
 Credit Card Details- If click in Cr. Card Holder then have to enter card details

 Customer Level Interest Tax Details- TDS02 (for PAN card Holder) or TDS20 (without PAN
Card) Select from Search button.
 Financial Details- Select CCY Code as INR from Search Button
 In Free code- 5 Regular( for normal account and SDVLOCKER for Safe Deposit Vault holder)
 In Free Code -7 Walk-in In Free code- 10 Risk category of customer (H-High, M-Medium,
L-low) In Free Code -11 Y for compromise account and N for other accounts.
 Click on Validate
 Click on Address Tab- enter full address in address field. Citi, State and country select from
search Button.
 Click on Validate
 Go to Currency Details Tab- System by default displays the currency
 ‘INR’. You could select appropriate currency, as per the type of customer.
 Click on validate button after that submit Button and will get 9 digit Customer ID.
Note the CUST-ID on the Account / Application Opening Form

(8) Job Cards: S/B & C/D A/C Opening

Prepared By : Saikat Basu, ITTC, Pune.
S/B & C/D Accounts can be opened through WEB Mode as also ONS Mode.
 WEB Mode : Menu Option :: OAAC ::

 Press enter press F4, put customer ID, Press F4, Press F2 and select scheme code as SB101,
SB104,SB121 etc. as the case may be and press F4. It will go to next option-G
 Mandatory fields to be visited – G(General details)-Fill special charge code by pressing F2, mode
of operation & location code by pressing F2. Press F6 and F4
 Delete G and put S (Scheme details)-Put cheque book facility “Y” or “N”. Whether
nomination facility to be availed fields to be filled up, press F4
 6 (DSA details) - DSA code to be filled up.
 Press F4 key three times and press F10. A/C Number will be generated.
 Optional fields - In case of nomination – N(Nomination details)-Nominees’

 Name, Address, relationship and nominee registration number to be put in.
 A(Joint holders details)-In case of Joint name, power of attorney, authorised signatory etc.
To be filled in by pressing help key F1.
 For Verification of newly opened savings or current account – in WEB Mode
 Menu option :: OAACAU
 ONS Mode : Menu Option :: S/B A/C – HOAACSB}

 C/D A/C - HOAACCA }
 Mandatory tabs to be visited in both cases: General details-mode of operation, A/C Statement
tabs to be filled up
 scheme details- fill up nomination box as :Y” or “N” press validate
 Interest details-Cr interest flag and Dr interest flag should be-“original Account”
 MIS codes-type of Adv. should be -570
 Press Validate button and then press Submit button. A/C number will be generated.
 Optional fields - In case of nomination-Nomination details tab- name, address and relationship
of the nominee to be filled up.
 In case of joint holders- Related party details tab- name of joint account holder.
 If there is good connectivity in the Branch, Account opening through ONS mode is more useful,
as any error can be checked by pressing validate button
 For Verification of newly opened savings or current account – in ONS Mode

 HOAACSB or HOAACCA

(9) Opening of account through online:

Prepared By: Saikat Basu, ITTC, Pune.
 Presently S/B & C/D A/C open request can be applied through online. After applying through
online, one reference number will be generated and this will be conveyed to the customer over
SMS to his registered mobile phone.
 After getting this number, customer will visit his proposed Branch, which will use the following
menu :
 Menu : HCCUMM ::Function code- Add/Verify

 Welcome Kit- Yes/No
 Reference No – will be provided by customer
 Customer ID-
 HAACM :: Function code- Add/Verify

 Welcome Kit- Yes/No
 Reference No – will be provided by customer
 Account Number-

(10) Job Card for Account opening of CC account and OD account

Prepared By: Naresh Chand Gupta, ITTC, Pune.
 Both these types of accounts can be opened through WEB menu OAAC or ONS menu HOAACCC
/ HOAACOD
 Steps and tabs for both these types of accounts are identical and in both these types details
of security has to be attached through the menu SRM – Security Register Maintenance
 First we will discuss account opening through ONS menu HOAACCC as this will help us in
knowing
 the details to be filled whether in web mode or ONS mode as the TABS are self-explanatory
and one does not have to remember the different options like G, S, V, I, 5, 6 etc. in WEB
mode of account opening.
 Type Menu HOAACCC / HOAACOD in menu option in Finacle and press enter.
 A new window opens where in you enter the Customer id. For scheme code we click on the help
icon which opens a screen in which we press submit button. This will show types of CC account
Schemes and their GL Heads.
 We will select CC 301. This will bring us back to the first screen where we entered Cust-Id. Now it
is also showing the Scheme code as CC301 and on the left hand GL Sub-head code also. Here we
will click on accept. This will take us to the screen with different TABS.
 COMPULSORY TABS
 GENERAL DETAILS : Fill in fields -Location code, Mode of operation (self, joint etc.), A/c Stmt
option –Pass sheet,
 Local calendar as NO, Statement frequency Monthly, give date and N for Next day,
Despatch mode - select C
 for collect by person and next print date. Then press Validate.
 INTEREST DETAILS : Only required to fill in Interest debit Flag account- Select S for Original
account.
 Be careful about the rate of intt in INTT RATE CODE field. Press Validate.
 SCHEME DETAILS : Fill in Maximum allowed limit, credit file number A/c , Health code as 11.
Press validate.
 MIS CODES : Fill in appropriate codes by clicking on Help icon.
 Some important codes are Sector and sub sector code, Purpose of advance, Nature of
advance . Press validate.
 ACCOUNT LIMITS : Fill in fields Sanction Limit and date of sanction, Document date and
Expiry date, Sanction level and authority, Limit reference number ( File number), A/c
Recalled as NO.
 In drawing power indicator as D- Derived (and add details of security through menu
SRM.) Press validate
 RELATED PARTY : Applicable only for adding Cust id of co applicant, guarantor etc.
 DOCUMENT DETAILS : Select appropriate code for different documents taken, Date
received document and Next due date. Press validate.
 OTHER DETAILS : Only required to have WALKIN in Sourcing Dealer id. Press validate
 PRESS SUBMIT

 This will generate temporary account number. With this number another user has to verify the
account opening in the Menu HOAAC VCC (OR HOAACVOD for OD account) (Without space).
 This is the flow of account opening through ONS menu.
 In WEB mode , the Menu will be OAAC, then input Cust Id and Scheme code ( For CC -CC301) and
press F4, then for various sub options G ( for general details), S ( for scheme details ), A ( for
adding co applicant and or guarantor),
 V (for MIS Codes), I (for Interest details), 5 (For document details) and 6 (for DSA Link).
 In WEB mode one has to remember the various sub options and then the fields.
 But in ONS mode all the TABS and the fields to be filled need not be remembered, as
without visiting compulsory TABS and filling compulsory fields, the system will give you
warning. This is the reason we press Validate after entry of fields in each TAB.

(11) JOB CARD FOR CASH VOUCHER POSTING - TM

Prepared By: Dwarka Prasad, ITTC, Pune.
 USING TRANSACTION MAINTENANCE (TM).
All “Cash transactions” and “Transfer transactions” are entered through “TM” option.
A transaction can have the following “status” depending upon the “commit”(F10) given for a function
associated with sub option and the extent of passing powers of the person entering the transaction:
E – Entered (account balance will not be updated), P – Posted (account balance will be updated),
V – Verified and D – Deleted.
Even though a transaction has three status (entry / posted / verified), Finacle requires only two users
(maker and checker) for completing a transaction.
An entry passed by the clerk (who is not having posting power) will be in entered status. And it will be in
“verified status” after “posting” by an officer. ( 1. Entry and 2. Posting and Verification).
A person having powers to post a transaction can do “entry and posting” which has to be “verified” by
another official. (1. Entry and posting and 2. Verification.)
“Tran-id” is generated by the system for every transaction prefixed with “BI” for transactions entered by
the users and “S” for system generated transactions.
Each “Tran-id” consists of at least two “Part –trans” (one “debit” and one “credit”). Transactions cannot be
posted if sum of “debit part-tran” and sum of “credit part-tran” is not equal.
In respect of “Cash transactions” the system automatically picks up “Cash Account”(Teller part) as other leg
of “part-tran”. Both Part Trans have to be “Posted”.
How to enter a Cash Receipt Transaction?
Note: User can use HCASHDEP also.

Type TM in menu option and press “enter” key. Function A – Add, Type / Sub type – C / NR (Normal
receipt). Press F4. Enter Account number, Amount, Transaction details. Press F4 and F10. Note down the
Tran-id number in the slip. In the case of DD/PO/HOC type of accounts, additional details have to be
entered.
How to enter Cash Payment Transaction?
Note: User can invoke HCASHWD also.

Type TM in menu option and press “enter” key. Function A – Add, Type / Sub type – C / NP (Normal
Payment). Press F4 Enter Account number, Amount, Transaction details, Instrument type (CHQ – for
cheques and WS–for withdrawal slips), cheque number and date. Press F4 and F10. Note down the Tran-id
number in the slip / voucher. In the case of DD/PO/HOC type of accounts, additional details have to be
entered.
 Note: If you have forgot to note down the Transaction ID, then use menu ‘FTI’ put the account
number and amount, note down the transaction number on the voucher.

(12) JOB CARD FOR TRANSFER VOUCHER POSTING - TM

Prepared By: Sandesh Nangare, ITTC, Pune.
 Eligibility :
 Bank of India Staff who have FINACLE User ID and Work class 100 up to 700
 Facilities available:
 Any transactions have Debit or credit for day-to-day banking operation. the way of
depositing cash, withdrawing the cash or issue the transfer from one account to another
account of himself or another Customer
 Maker and Checker.

 Is one of the central principles of authorization. Here the segregation of duties. Any
transaction in Finacle has to be processed by different user i.e. same user cannot enter/Post
and Verify the transaction. In other words there is maker checker concept by two different
user lDs. In a Transaction in accounting procedure there are two basic parts Debit and Credit
 Transaction states :
 E - Entered: Entered state, actual transfer of fund not takes place, accounts will be not
updated in the database at server end. Transaction can be Reset and Can be deleted
 P - Posted: Transaction is in (P) Posted state, transfer of fund lake place with immediate
effect and both accounts get updated in the database at Server end. Once Posted cannot be
reset and cannot be deleted.
 R - Reset: Only in Entered state.
 D - Deleted: When a transaction or part transaction is deleted it will be in deleted state.
 V - Verified: When a transaction is verified by another user it will be in Verified state.
 In Transaction Menu ( TM ) following functions are used

 FUNCTIONS: A- ADD , C-COPY, D- DELETE, I- INQUIRE, M MODIFY , V- VERIFY
 Transaction Type
 C – CASH, T – TRANSFER
 If Transaction Type = C- Cash
 SUB TYPE = NP - Normal Payment, NR- Normal receipt, CT Cash transfer
 ( in Overseas Branch Cash transaction Sub Type CR - cross currency receipt and CT
- cash transfer )
 If Transaction Type = T – TRANSFER
 SUB TYPE = CI - Customer induced, BI - Bank induced
 A/C ID and Amount has must then
 Instrument Type :- Cheque (CHQ), Withdrawal Slip (WD), Debit Voucher (VD), Credit
Voucher (VC), Louse Leaf (LL)
When use VD, VC and WD then write Instrument type & Date or kept both field empty.
 Visit Screen :- O – Originating, R – Responding, P – Parking, X – Reversal, A – Bar
Adjustment
 Instrument Number :- is must when Instrument type is (CHQ) or (LL)

 Instrument Date: is must when Instrument type is (CHQ) or (LL)

 Value Date: is must when as of Date (Previous Date) effect required for this Transaction.
 Print Advice: Advice printing O- Online or B- Batch or empty for Null
 Remarks: if you want to information about this Transaction.
 Report Code: is must when NRE or NRO A/C posting (NRE – 131 & NRO - 141).
 Reference number: is must when office Account posting.
 In Specify Option of ( TM ) following functions are used

 Normally in this option we used L - List part trans, I - Inquire on all part trans, M- Modify part
tran, Q – Quit, B - Show components of balance, U - Show part tran totals, W- Release lien
details, N - Instant TOD details, 1 - Miscellaneous details, 8 - Payment message details
Press F2 for help list will be available for Branch wise and transaction requirement.

(13) JOB CARD FOR: JET CLEARING

 Jet Clearing- Jet Clearing used for collection of outstation other bank cheque, where our
branches are participating in Clearing House.
Menu Option- JETCL Function Code- A for Adding new Instrument details (F2 for help) then
(to add new record) press F4
Branch Code will display in Initiating Code field again press F4, User
have to enter
Drawee Sort Code- MICR No mentioned in the cheque (9 Digit) or
Four digit of presenting Citi code.
Cheque No- Instrument No mentioned in the cheque.
Cheque Date-Default system date change with the Cheque date.
Cheque Amount- Cheque value.
Transaction Code- Transaction code (F2 for Help)
Account No- 15 Digit Beneficiary Acct no. Press F11, Account
holder name will display.
Presenting Sort Code- Our presenting branch sort code (9 Digit of
MICR Code Or Four Digit of Presenting Citi Code. Press F4 and save
the Data by entering Y in the block.
(1) Note-If user wants to enter another instrument details deposited in same deposit slip
then press Ctrl+D, for entering another cheque detail)
(2) For Supervisory Staff
Menu Option- JETCL Function Code- V Press F4 then enter Ticket No then again press F4
(for verification) key, Check the details entered by the user and press F4 for verification
of record.
Menu Option-JETCL Function Code-J Press F4- JCS will be generated for all verified records.
(for JCS generation)
Menu Option-JETCL Function Code- R Press F4-JCS report will be generated in background.
(report generation)
Menu Option-PR Select the report of JCS generated by pressing Shift+F4 and take
(for report printing) printout in three copies, send two copies to our Collecting Branch and
one copy with branch voucher.

(14) JOB CARD FOR: OPENING OF DOUBLE BENEFIT DEPOSIT

 Operational Guidelines for opening DBD account under CBS

 A separate scheme code for DBD account is TD451. Branch should open DBD accounts under this
scheme code.
 Account Opening under the DBD scheme.
 User may use OAAC / HOAACTD menu option for opening of DBD Account.
 Type ‘OAAC’ in Menu Option and press enter key. System will ask for customer ID, put 9
digit customer ID in the required field and then type TD in Scheme Code field and press
F2 and select TD451 scheme with GL Sub Head 15020 and press F4 key twice. By default
‘G’- General Detail screen will be displayed by the system in which user has to fill in the
required field like Special Charge Code(fill 00), Mode of operation(like 001 for self),
location code(e.g. 620 for Pune) and ledger number if practice is there in the branch and
press F4 for accepting the details. After pressing F4, cursor will come to Enter option
field, there you type ‘S’- Scheme Details and press F4, after pressing F4 user should fill in
required fields like Dep/Instl. Amt., Deposit Period, Value date, availing Nomination and
Repayment Account ID and press F6 for next page. In next page fill in the required fields
like Auto Closure(Y/N), Maximum Renewal Allowed, Renewal Period, Auto Renewal
Scheme Code, Auto Renewal Interest Code and then Renewal Option like ‘M’- Maturity,
‘P’-Principal, ‘I’- Interest, ‘F’- Fixed amount and ‘A’-Additional Amount. Then press F6
and fill in the required details in the screen like Interest on TDS(Y or N) and Press F4. In
Enter Option, Type ‘6’- DSA Detail and then ‘F’-Flow Detail and ‘V’-MIS codes and press
F6 and type NO in Free Text-6 and finally F10. The system will provide you a 15 digit
number like 050045110000001. Please note down the number and get it verified by and
officer through menu OAACAU/HOAACVTD.
 After getting verified the account transfer the funds in newly opened DBD account through
Menu Option ‘TM’ and get the vouchers verified. For printing the DBD receipt, use Menu DRP or
NEWDRP.
 By following the above steps you can open any type of TDR account except BOI Savings Plus and
BOI Current Plus.

(15) STAR FLEXI RECURRING DEPOSIT SCHEME

 Operational Guidelines for opening Flexi RD account under CBS

 Steps to be performed in CBS (Core banking) branches for the Opening of account, Funding
in the Flexi RD scheme (cash receive or transfer transactions) and closure, both normal and
premature of account under this scheme.
 A separate scheme code for Flexi RD account is TD449. Branch should open Flexi RD
accounts under this scheme code.
 [However there is an internal scheme Code TD450 for Flexi FD part (i.e. extra amount which
customer may deposit) amount goes under this scheme code. Care!!! User should not open any
account directly under TD450 scheme, this scheme is for system only.]
 Account Opening under the Flexi RD scheme.
 User may use OAAC / HOAACTD menu option and should choose TD449 scheme code for
opening any Flexi RD account by following the steps given as opening of DBD account.
 Deposit of amount under the Flexi RD scheme.
 System does not allow depositing any amount under this scheme through TM menu options.
A separate menu option FLEXIRD is created for deposit of amount under this scheme. When
users invoke FLEXIRD menu option for depositing any amount system will ask <C>ASH /
<T>RANSFER Transactions?
 After selecting C / T, system will ask for Flexi RD Account number or Debit Account number
and Credit Account number respectively. System accepts only operative account number in
case of Debit Account number and Credit account should be Flexi RD account. System would
display Flexi RD instalment amount and pending instalment amount, if any, up to calendar
month and ask for Transaction amount. System will check the conditions set for the scheme
(attached in the annexure). If all conditions are met then only transaction goes thru in Flexi
RD account. The Extra amount, if any, goes to Flexi FD (system maintained) account.
 After creating transaction user should post this transaction. In case user finds any mistake,
they may quit from transaction before pressing commit (F10). Once user commits the
transaction, system does not allow reversing the entry.
 In case user allows crediting any extra amount (Conditions pass) to Flexi RD scheme, system
will put this extra amount to Flexi FD (System internal scheme TD450) scheme. A temporary
account number (ZZ??????) will be created and it should be verified by supervisory staff as is
being presently done for any account opening.
 Closure procedure for Flexi RD account

 User should not use CAAC menu options to close any Flexi RD account (and also system
maintain Flexi FD accounts under TD450 Scheme). A separate menu option CLSFLEXI is
created for closure of Flexi RD account. Once user invokes this menu option for closure of
any Flexi RD account, system will ask for Flexi RD account and repayment account number.
After putting Flexi RD account number, system will display details of the respective account
and ask for confirmations. Once user confirms the details, system will close the Flexi RD
account along with all Flexi FD (if any) i.e. amount which customer deposited extra with Flexi
RD account. Supervisor need to verify / cancel the Flexi RD through CLSFLEXI menu option. It
is recommended that user should take a statement of Flexi RD account before invoking
closure operations of any Flexi RD account through menu option MISRPT DEPOSITS
FLEXIRD.

(16) Job Card for Account opening of LOAN account

 The account can be opened through WEB menu OAAC or ONS menu HOAACLA
 First we will discuss account opening through ONS menu HOAACLA as this will help us in
knowing
 The details to be filled whether in web mode or ONS mode as the TABS are self-explanatory
and one does not have to remember the different options like G, S, V, I, 5, 6, E etc. in WEB
mode of account opening.
 Type Menu HOAACLA in menu option in Finacle and press enter.

 A new window opens where in you enter the Customer id. For scheme code we click on the
help icon which opens a screen in which we press submit button. This will show types of
LOAN account Schemes and their GL Heads.
 We will select LA601. This will bring us back to the first screen where we entered Cust ID.
Now it is also showing the Scheme code as LA601 and on the left hand GL Sub-head code
also. Here we will click on accept. This will take us to the screen with different TABS.
 COMPULSORY TABS
 GENERAL : Fill in fields -Location code, Mode of operation (self, joint etc.), A/c Stmt option –Pass
sheet,
 Local calendar as NO, Statement frequency Monthly, give date and N for Next day, Despatch
mode - select C
 For collect by person and next print date. Then press Validate.
 A/C INT: Only required to fill in Interest debit Flag account- Select S for Original account.
 Be careful about the rate of intt in INTT RATE CODE field. Press Validate.
 SCHEME: Fill in Loan Amount, Loan Period in Months, and Operative Account (for recovery of
instalments).
 Press validate.
 LA INTT: One important field is Interest demand Effective Date. In case of moratorium given in
case of educational Loan , Housing Loan, the date to be entered is the ( future) date of
commencement of EMI and also the fields int on int and penal int on int should be made as NO.
Also in case of staff Housing loans and staff vehicle loans where first we recover the principal
and then interest. In that case also the date to be input will be the date of commencement of
recovery of interest. If this date is not filled it means that the interest is to be demanded from
customer as soon as it is debited.
 FLOW PARAMETERS: Fields to be filled are Number of Instalments, in fields commencement of
instalment and interest and frequency of instalment and interest, all four place the date should
be same. Next day shown should be changed as previous day. (UPFRONT INSTALMENTS can be
made effective.)
 It is also possible to make the instalments graduated. It means we can mark it as yes, then
STEPS ( in how many steps the total instalments are to be divided), STEPS % ( what should be
the uniform percentage of change in each step) and STEP UP/DOWN ( whether we want the
instalments to be low to high – UP or high to low –DOWN)
 FLOW DETAILS : In this tab we can generate the Amortization schedule showing us the EMI,
Press validate
 (Any time a modification is done in flow parameters and then the flow details tab has to be
visited again.)
 DISBURSEMENT SCHEDULE : Through this TAB we can control the amount available to be
disbursed in case of educational loan or housing loan where the disbursement is to be done in
instalments. We can add multiple records

 Selecting flow id as DISBR, date of disbursement, amount and then next record. Press Validate.
 MIS CODES: Fill in appropriate codes by clicking on Help icon.
 Some important codes are Sector and sub sector code, Purpose of advance, Nature of advance.
Press validate.
 ACCOUNT LIMITS: Fill in fields Sanction Limit and date of sanction, Document date and Expiry
date, Sanction level and authority, Limit reference number (File number), A/c Recalled as NO.
 In drawing power indicator as D- Derived (and add details of security through menu SRM.) Press
validate
 RELATED PARTY: Applicable only for adding Cust id of co applicant, guarantor etc.
 DOCUMENT: Select appropriate code for different documents taken, Date received document
and Next due date. Press validate.
 OTHER : Only required to have WALKIN in Sourcing Dealer id. Press validate
 PRESS SUBMIT
 This will generate temporary account number. With this number another user has to verify
the account opening in the Menu HOAAC VLA (Without space).
 This is the flow of account opening through ONS menu.
 In WEB mode , the Menu will be OAAC, then input Cust ID and Scheme code ( For Personal LOAN
Account -LA601) and press F4, then for various sub options G ( for general details), S ( for
scheme details ), A ( for adding co applicant and or guarantor),V ( for MIS Codes), I ( for Interest
details),5 (For document details) and 6 ( for DSA Link), E ( for Instalments ) etc.
 In WEB mode one has to remember the various sub options and then the fields.
 But in ONS mode all the TABS and the fields to be filled need not be remembered, as
without visiting compulsory TABS and filling compulsory fields , the system will give you
warning. This is the reason we press Validate after entry of fields in each TAB.

(17) Job Card for Add/Modify/substitute Securities:

Prepared By: Saikat Basu. ITTC, Pune.
 Loans or advance accounts such as cash credit or overdraft or loan accounts are generally
opened against some securities. There are mainly two types of security. Primary and collateral
security.
 Limits are obtained in CC or OD accounts against the value of security. These are called
Primary security.
 Another type of security is called as collateral security. These types of securities are kept
as additional security. Limits will not be changed with these collateral securities.
 Primary security will be inserted in the Finacle system regularly. This can be inserted
either in web mode or in ONS mode as below -
 Menu :: SRM (Web Mode) OR HCLM (ONS Mode)
 Menu – SRM – Function A, press F4

 Linkage type – A (Linked to account),press F4
 A/C ID – Put A/C Number and press F4. It will go to next page.
 In option field, put A(For the first month only)
 From the 2nd and subsequent month, in option field, it will be S (Substitute). Select it directly
or by select by pressing F2.
 Press F4. In “Collateral Code”. Select security code by pressing F2. Select it by pressing
shift+F4. Then press F4.
 in “Prim/Second” security column, in case of primary security put “P”. Press F4. The drawing
power will be changed as per value of security.
 In case of collateral value, put “C”. The drawing power will not be changed in case of
collateral security. Press F4.
 In ceiling limit column, put the amount of sanction limit. Press F4.
 In the collateral value field,put the value of security. Press F4.
 In the “Frequency” column, fill the first box by pressing F2. Leave blank 2nd and 3rd column.
In 4th box, put the date of submission of security. Generally it will be 10th of every month in
case of stock. Fill the 5th box by pressing F1 and go to “received date” column by clicking on
mouse.
 Put the date of receive of security/stock statement & press enter.
 In the next box “Due date”-put the next month due date, when the security statement to be
submitted by borrower.
 Click on “margin per cent” box and enter % of margin.
 Press F4. It will come to “option” box. Delete A or S and put “N” for visiting Insurance page.
 Put A for adding new insurance policy details or M for modifying existing Insurance details.
Press F4 and note down insurance type, policy number, policy amount, Risk cover start date,
Risk cover end date etc. and press F4.
 Again it will come to option code box. Delete A or M and put S. It will again come to security
register maintenance page. Press F10. This will be saved.
 ONS Mode : Security maintenance

 Menu :: HCLM – press enter
 Function – L(Lodge) – for the first month only
 S (Substitute) – from the 2nd month.
 Linkage type – Account
 Put A/C No- in account number column.

 In type tab, select type of security such as stock, insurance policy, vehicle etc. by clicking on
drop down box. After that click on submit button. This will come to the next screen. This is
“General details”
 There are total seven tabs. Of these 4 tabs – general, net value, particulars and insurance
tabs are mandatory.
 Other 3 tabs – charge, inspection and fee tabs are optional. Branch may visit the above 4
tabs, if necessary.
 In general details tab, fill up – Collateral code, ceiling limit, nature of security and margin %
box and click on “net value” tab.
 Fill the value of security. And click on particulars tab.
 In particulars tab, tick ( ) on “apply penal int. Box. In due date box put the next month
due date, when the security statement to be submitted by borrower. Next “freq. For
statement column, there are 5 boxes. Fill the 1st box; leave the next two i.e. 2nd & 3rd
boxes. Fill the 4th & 5th box. Click on insurance tab.
 In insurance tab, fill insurance type, policy no and amount, risk cover start date and end
date, premium amount and frequency for stmt tab.
 In insurance tab, more than one policy can be attached by simply clicking on “next Rec” tab.
 Click on submit tab. Security will be lodged successfully.
 PLEASE NOTE, FROM THE 2ND MONTH, SELECT “SUBSTITUTE”. PUT A/C NO AND TYPE OF
SECURITY. PRESS ON ACCEPT BUTTON. THIS WILL COME TO THE NEXT PAGE. THERE YOU HAVE
TO CLICK ON SECURITY CODE NOTED BELOW “COLLATERAL CODE’. THEN ALL THE PAGES WILL
BE OPENED AND THERE WILL HAVE TO BE NAVIGATED AS ABOVE.

(18) Job card for STANDING INSTRUCTION MAINTENANCE

( For normal si of debit from sb/cd/cc/od account to rd/other account )

 MENU SIM
 Function a f4, in si class enter c for customer induced / b – for induced ,
 In cust ID input customer id of the applicant,
 In si frequency , in first box input m for monthly, in last two boxes input date ( from 1-31 and
n for next day)
 In execution time input b for beginning of day ( to be done by data centre, other option is a
 For part of end of day and option d – anytime during day, e- every time during day can be
manually executed with the menu sie – standing instruction execution)
 In next execution day give start date for si execution, and in end date input last date for that
si. In auto post box input y ( otherwise the transaction remains in enter status)
 In failure processing section in delete tran if not posted input n,
 In carry forward input y and max times say 3 or 5 (the number of days it will be tried if failing
on the date of si) Press f4
 We come to a new screen with cursor in option block.
 Input e for entry of si condition and press f4
 In amount indicator say f for fixed, for part tran type input d for debit, and in create memo
pad entry input y, then in fixed amount input the amount of si and press f4
 In the next screen input account number to be debited, press tab and input f for fixed
 And below account number field input the amount and press f4
 We come back to previous screen and the cursor is in the option box with e,
 Press f4 and fill amount indicator as f for fixed, part tran typ r as c for credit leg and create
memo pad entry as y, fixed amount as amount of si and press f4,
 Next screen fill in the credit account number, press tab input f for fixed and below the account
number input amount of si and press f4
 Again we come to the screen with e in the option box with the cursor.
 We can erase e and input l for listing and press f4 to list all part trans.
 If it is okay, we come out and press f10.
 The system will give si number as bi123456. Note it and get it verified by another user in the
same menu sim.
 The verifier will input v for verifying and then give bi number and press f4.
 The system will show general details press f4 again ,
 The cursor is in the option block, input p and press f4, press down arrow to view the next
part press f4 and finally press f10.
 We can also use menu sie for standing instruction execution at branch level,
 Menu sii for enquiry, siadvc for printing advice to customers.

(19) Preparation, Payment, Printing of DD/PS

HOW TO ISSUE DEMAND DRAFT IN FINACLE?
 First of all use Menu ‘BRTI’ to know whether our Branch is available at that location or not. Type
‘BRTI’ type ‘I’ in Func Code and put Bank Code as ‘013’ and in Branch Code field, type first 3 and
4 characters of the location(e.g. for Coimbatore Branch type coim) and press F2 and select the
correct branch and note down the 4 digit branch code. Then customer will ask for exchange of
DD, type ‘DDCALC’ in Main Menu and press enter put amount of DD and then Mode Tr/Cash and
at last Individual/Others to know the exact exchange of DD.
 Then ask the customer to issue a cheque in favour of Bank for total amount (DD amount +
Exchange) with DD slip duly filled in. After having cheque and slip use Menu ‘CDDMI’ for issuing
DD and fill in the entire required field like Transaction Mode (T/C), Transact. Sub-Type (BI/CI),
Transfer from a/c (like 050010110007966), Cheque No., Cheque/Total Amt (DD amount +
exchange), Payee Br. Code1(like 6000) and Amount1(DD amount). Likewise we can fill in the
details of 10 DDs at a time. Press F4 and fill the required information in fields like Payee name,
Prchsr. Name and Print option as L and press F4 twice. System will prompt you to post the
transaction and press F10 and note down the Transaction No. and get it verified.
 For printing the DD use Menu DDPRNT/DDPALL.

 If you want to print DD through Menu DDPRNT then you have to fill in the details of
transaction like transaction number and press F4. But while printing a DD kindly ensure that
your ilinkweb is opened inventory is available in your location and printer is attached to your
system. Press F4 and match the Inventory no. with physical DD leaf.
 Following menus are very useful for DD related issues:

 BRTI - Branch Table Inquiry
 DDCALC- Calculation of Exchange of DD
 CDDMI- Issue of DD
 CDDMP- Payment of DD
 DDPRNT/DDPALL- Printing of DD
 DDSM- DD status Maintenance
 DDIR- DD Issue Register
 DDC – Cancellation of DD
 DDXFERNE- Transfer of funds to Centralised account before CSOLOP.
HOW TO ISSUE PAY SLIP/ORDER OR BANKER’S CHEQUE IN FINACLE?
 Use TM Menu, Function ‘A’-Add press F4 and put T/C in Type/Subtype and again press F4 and
type Account number as SOLID+PSI001 in A/c ID field and amount ‘C’ for credit and remove Instr.
Type and Instr. Date and Press F4. Cursor will take you to next screen. In next screen Replace N
with Y in Create Dr. PTran field. Type Payee name and Prchsr. A/c Id. And also Print option as ‘L’
and press F4 twice and post the transaction and get it verified. After getting verified the
transaction use Menu Option DDPRNT/DDPALL for printing the PAYSLIP.

(20) Job Cards: Safe Deposit Vault (SDV Lockers)

 The following menus are used only at the time of when the new Safe Deposit Vault is installed in
the Branch.
 LKPM : LOCKER PLACEHOLDER MAINTENANCE
 (it is maintained by DC)
 LKTRM : LOCKER TYPES AND RENT MAINTENANCE
 Type LKTRM in menu option
 Select A from drop down arrow then type locker type and click on go in next screen fill
Locker Types and Rent Details- Start Date-Enter Date from when it is effective
 Enter Grace Period, and rent for one year, two years rent, Three years rent staff rent for
same period then click on submit button (Record will be added)
 LKKM : LOCKER KEY MAINTENANCE- Select A from Drop down arrow, Select locker no, Type Key
no and locker no click on Go, in next screen click on appropriate boxes and click on submit.
 Create a new Customer ID for issue of Locker by entering SDVLOCKER in free code 5 of
screen/page no 5 of Cumm
 LKCPM : LOCKER TYPE PENALTY MAINTENANCE
 Function- A for Add new value, Select Locker Type and Frequency then click on Go button
 In Penalty Details Enter Charge Amount and remarks if there and click on submit.
 The Following menus are used in daily working
 LKCM : LOCKER CUSTOMER MAINTENANCE- Locker Customer Maintenance main screen- Select
A-issue from drop down arrow then select from search button locker Type and Locker No direct
Type in appropriate boxes and type a/c Id and click on Go (Account ID can be "NA" for NO
ACCOUNT or Operative Account of Customer(SBA,CCA,ODA,CAA)
 or SUNCR002 Account can be used for No Transaction
 Click on Go
 Fill details in Issue Screen Details
 Term- One Year, Two Year or Three Year as requested by Customer
 Staff Flag- Select Staff or Non Staff from Drop Down arrow
 Rent Advance- Will show according Term selected
 Code Word-Enter the Code Word given by Customer
 Cust Name- Type Name of Customer Cust Id- Type Customer ID
 Remark-Type remark if there is any remark.
 Joint Holder 1- Type Joint Holder if any other joint name (you can enter three joint holder)
 Grace Period- At present there is no grace period so type 0 in this field.
 Operational Mode- Select from Drop Down arrow
 Payment Code- Tick in Cash or Transfer
 Go to Nominee-If there is nominee then tick in box and click on go to nominee and fill the
details of Nominee. Then click on Submit button.
 System will go on Transaction Maintenance Screen.

(21) JOB CARD FOR BANK GUARANTEE

Some commonly used menus in guarantee issue are GMM, GILR AND GI .
 Guarantee business is a means of earning commission and getting deposits in the form of
security deposits. They are also part of non-fund business shown as off-balance sheet items.
They are part of Contingent liabilities. Guarantee can be performance guarantee or financial
guarantee. The rate of commission is also different for them.
 Adding a guarantee : menu GMM

 Function – a f4 guarantee type – f2 and select , currency -- inr f4
 Address field -- write address of the applicant,
 Cust ID - Cust ID of the applicant, Guarantee class – f2 and select, Fill in guarantee amount,
issue/effective date, operative account number and f11, Expiry period - f11, expiry date
comes automatically, claim period – normally 1-3 months - f11, claim expiry date comes
automatically. Press f6 - in next page
 (give) beneficiary type – g / o ( g - government or o - others )
 Input beneficiary name, address, city, state, country and pin press f6 for next page
 Fill in purpose of guarantee and counter guarantee details press f4
 Cursor comes to option block—input “k” in the option and f4
 In function input- c and f4 , give margin %, type c / l at the action block – c for cash and l-
for lien in an account, collected amount – give margin amount, operative account- give
operative account number for margin dr a/c press f4 and
 Press a f4 - again the cursor comes back to option block, input -c for charges in option block
and press f4.
 Screen will show you the charges applied/ being recovered- modifiable.
 You may waive any charge by making the amount zero in the default figure.
 Press f4. The cursor comes to the first screen press f10
 Note down the guarantee number and get it verified.
 Marking for invocation ( if required )
 Function g , f4 give guarantee number and f4. Observe all pages and press f4 f10
 And get it verified.
 Reverse guarantee marked for invocation ( cancel marking for invocation )
 Function j press f4 give guarantee number and f4
 Observe all pages and press f4 f10 and get it verified
 Invocation of a guarantee ( if required )
 Function – n specify the guarantee number to invoke and f4
 Screen appears showing the details of guarantee, put operative account, ( loan account ) if
so, press f4 cursor goes to option box , type n in the option and press f10 and get it verified.
 Reversal of a guarantee ( to reverse the guarantee liablity vouchers )
 Function - r enter guarantee number and f4 full screen appears observe and press f4
 Cursor is in the option box press f10 and get it verified.
 Closing the guarantee
 Function – z and give guarantee number and press f4 observe all data and
 Press f4 and f10 and get it verified.

(22) JOB Card: Loan against TDR

Prepared By: Saikat Basu, ITTC, Pune.
 Any customer can request loan facility against his/her TDR receipt including Recurring Deposit
Account.
 This can be either Loan facility or Over Draft facility. In case of loan facility scheme code will
be LA611 or OD facility it will be OD271.
 Loan can be extended against a single receipt as well as multiple receipts also, either with
similar rate of interest as well as multiple rate of interest also.
 These types of loans are generally granted against a fixed % of margin, say from 15% to 25%.
Branch Managers have full power for sanction of Loan against TDR for any amount.
 The following is the procedure to open a loan/OD against TDR.
 Loan against TDR – Single Receipt
 Menu :: LATDR. If any officer execute LATDR menu, Loan A/C will be automatically opened with
verified status. Another officer/Manager will only verify SRM option.
 Or
 When any clerical staff execute LATDR menu, the account will have to be verified by another
officer in OAACAU menu. After that TDR receipt will have to be entered and verified in SRM
menu.
 Menu – LATDR-enter, put customer ID,TDR A/C No, Margin, limit and
 Scheme code and district code. Scheme code will be LA611 or OD271. Press F4-It will directly
go to MIS code page in Account opening page. Fill all the columns in left side and in right side
Free code 3,5 7 & 9 as below-
 Sector code – Nonpr, Sub sector code-9(other)
 Occupation code will be picked up from Customer Master
 Borrower Category-75(Retail Banking)
 Purpose of Advance-95019 or other as per loan requirement
 Mode of Adv- Direct,
 Type of Advance-130(Demand loan) or 120(In case of OD)
 Nature of Advance-6(Term Deposit Receipt)
 Guarantee cover code-0(No Guarantee)
 Industry type-211(Retail Credit)
 In the left side column, mandatory fields are free code 3,5,7 & 9.
 Free code 3 – 407(TDR Loan/OD)
 Free code 5- 9(not sick, always in case of new account)
 Free code 7 – select individual or other(Select by press F2)
 Free code 9 – Rural, urban etc. as per area.
 Then press F6 and account will be opened. Then any other officer will only verify in SRM
option and the fund will be credited in loan account.
 For transfer of fund from loan account to customer’s operative account, use TM menu, debiting
loan A/C and crediting Operative A/C.
 PROCEEDURE OF LOAN AGAINST TDR IN SINGLE RECEIPT IS COMPLETED.

 Loan against TDR – Multiple Receipts with same rate of interest ::
 In case of multiple receipts, account will be opened under menu option LATDR. Sanction
limit will be calculated on the basis of total value of all the TDR receipts.
 Loan/OD account will be opened with a single receipt as above. SRM also will be verified
same as above.

 After that, the other receipts will be linked one by one through menu option SRM as follow ::
 Menu – SRM – Select – A(Add)
 Linkage Type-A
 A/C ID- Put the Loan/OD A/C Number. F4
 In the next page, put A (add) in option tab.
 In collateral code write ”Depo-Inr’ or “Deposits”
 In prim/secnd – p
 Lien account ID – put account number of TDR
 Put ceiling limit as sanction limit and % of margin.
 After pressing F10, TDR will be linked.
 Loan against TDR – Multiple Receipts with multiple rate of interest ::

 In case of multiple receipts with multiple rate of interest, it is better to choose the TDR first
at lowest rate of interest and then higher rate of interest, i.e. in ascending order.
 Account will be opened under menu option LATDR. Sanction limit will be calculated on the
basis of the value of the TDR receipt, with lowest rate of interest.
 Loan/OD account will be opened with a single receipt as above. SRM also will be verified
same as above.
 After that, the other receipts with higher rate of interest (in ascending order)will be linked
one by one through menu option ACLHM & SRM as follow ::
 Menu :: ACLHM – M(Modify)-put A/C Number
 Select “S” in the operation box, press F4,
 Below in the option box, put “U”, put the total sanction limit, press F4
 Delete “U”, put “A”, press F4, it will go to next page
 Put applicable date, give additional or new sanction amount(not the total sanction amount)
 In the right side, limit level int should be-“Y” and supersede record – “N”, press F4,
 Expiry date- maturity date of receipt, normal interest rate will be 2% above the receipt rate
and penal rate -0%.
 Thus enter and verify the receipt in SRM as above.
 Link one by one receipt in ACLHM & SRM menu as above.
 CLOSING OF LOAN AGAINST TDR
 Customer can any time close the loan account. He may choose to close the entire loan
account or may want to reduce his loan limit by part payment of the loan amount.
 At the time of close/reduce the loan account, use menu option “SRM”.
 In SRM, in function code “M”, put A/C No and press F4.
 Select the deposit receipt, against which amount will have to be deposited and press
“shift+F4”.
 In the next page, in option codes put “D” (Delete) and press F4 & F10. Then it is to be
verified by another officer/manager.
 After the above process, the account will be closed/ reduced. The receipt can be safely
handed over back to the customer.

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INFORMATION TECHNOLOGY TRAINING CENTRE

Koregaon Park, Pune

New Staff joining the Bank as

Written by ITTC, Pune Page 1

(1) Job Cards : Internet Banking (Retail) ........................................................................................... 3

Written by ITTC, Pune Page 2

Written by ITTC, Pune Page 3

URL for Request Form on Internet

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Written by ITTC, Pune Page 4

(2) JOB CARD FOR INTERNET BANKING – CORPORATE

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Written by ITTC, Pune Page 5

(3) JOB CARD FOR ATM CARD

 Menu ADCREQ – For issuance and deletion of ATM cards

 Menu ATMCRA – ATM card related activities

Purpose Activity Procedure

Written by ITTC, Pune Page 6

name Click on SUBMIT. Reference number will be displayed.

 Menu ATMREV – ATM Reversal (charge back claims)

Purpose Activity Procedure

 Menu CARDSTAT – Card Status

Purpose Activity Procedure

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Written by ITTC, Pune Page 7

(4) JOB CARD FOR Mobile Banking – New Registration – BTM

The Beneficiary details required for IMPS – P2P are:

 Activation of Mobile Banking

Written by ITTC, Pune Page 8

 For Generation of transaction password :-

 For Generation of MMID:-

 For Retrieval of MMID:-

 For Cancellation of MMID:

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Written by ITTC, Pune Page 9

(5) JOB CARD FOR E-PAY

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Written by ITTC, Pune Page 10

Written by ITTC, Pune Page 11

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Written by ITTC, Pune Page 12

(7) Job Cards: Creation of Customer Master

 Menus used for creation of new customer ID- are

Written by ITTC, Pune Page 13

 Through ONS mode

Written by ITTC, Pune Page 14

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Written by ITTC, Pune Page 15

(8) Job Cards: S/B & C/D A/C Opening

 WEB Mode : Menu Option :: OAAC ::

 Optional fields - In case of nomination – N(Nomination details)-Nominees’

 For Verification of newly opened savings or current account – in WEB Mode

 Menu option :: OAACAU

 ONS Mode : Menu Option :: S/B A/C – HOAACSB}

 For Verification of newly opened savings or current account – in ONS Mode

Written by ITTC, Pune Page 16

(9) Opening of account through online:

 Menu : HCCUMM ::Function code- Add/Verify

 HAACM :: Function code- Add/Verify

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