CBS Finacle Work Flow Process With BO Transactions-5thEdition

An Indicative Procedure & Guideline
Collected & Compiled at

CBS Circle Processing Centre (CBS CPC), Odisha, Bhubaneswar
With worthy active remarkable cooperation of

PMU Cell / WTC, O/o the Chief PMG, Odisha Circle, Bhubaneswar
&
Workplace Training Centres (WTCs), in Odisha
(Established at CO / RO / Division / HO)
5th Edition – 12th February 2016
Email IDs of CPC Odisha:

[email protected]
[email protected]
[email protected]
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CBS Finacle Work Flow Process with BO Transactions –5 Edition,12 February 2016: CBSCPC & WTCs Odisha Page 1 of 134
Preface
On the outset of migration from Sanchay Post to CBS Finacle of M/s Infosys Ltd., the scenario of work process at
Post Offices changed almost to Banking procedure. The CBS Finacle is an internet base application. Except some
desktop settings, there is no client software. Its front end/ end users operation is mostly based on commands
called as Menus. To perform different operations in CBS Finacle the Users are mostly depending upon training
materials of M/s Infosys / FAQs of DMCC Chennai /different web sites.
The training and live work environment at counters is quite different. There are certain situation/operation which
mostly does not come in training (e.g. EOD, auto creation of unwanted A/cs, their verification/cancellation etc.).
To coup up with the situation, the staff of CPC, Odisha, Bhubaneswar & WTC, Bhubaneswar O/o Chief PMG, Odisha
Circle, Bhubaneswar worked together to bring forward a “CBS FINACLE WORK FLOW PROCESS” to guide the Users
of Finacle to the best. The CBS FINACLE WORK FLOW PROCESS is prepared collecting the themes from different
sources as mentioned above as well as from live work environment of counters. We tried our best to arrange the
modules in alphabetical orders (A-Z).
With remarkable suggestions from different offices, cooperation of PMU Cell & WTCs of Odisha, the CBS FINACLE
WORK FLOW PROCESS has been revised from time to time to facilitate & guide the end users to perform utmost
error free operation in live work environment at counters. Till date the following releases of CBS FINACLE WORK
FLOW PROCESS has been made.
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1. CBS FINACLE WORK FLOW PROCESS” 1 Edition on 26 January 2015
st nd
2. CBS FINACLE WORK FLOW PROCESS” 1 Edition Revised on 2 February 2015
nd st
3. CBS FINACLE WORK FLOW PROCESS WITH BO TRANSACTIONS 2 Edition – 1 April 2015
nd st
4. CBS FINACLE WORK FLOW PROCESS WITH BO TRANSACTIONS 2 Edition (Revised)– 1 May 2015
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5. CBS FINACLE WORK FLOW PROCESS WITH BO TRANSACTIONS 3 Edition – 15 August 2015
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6. CBS FINACLE WORK FLOW PROCESS WITH BO TRANSACTIONS 4 Edition – 2 October 2015
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7. CBS FINACLE WORK FLOW PROCESS WITH BO TRANSACTIONS 5 Edition – 12 February 2016 (the present
one, incorporating queries of users to the best & relevant information of SB Orders published up to
10.02.2016 i.e. SB Orders No. 17/2015).
Most of the POSB Rules & SB Orders are same for CBS & non-CBS Offices. But some POSB Rules & SB Orders are
different for CBS & non-CBS Offices. POSB Rules & SB Orders referred to in this booklet is applicable to CBS offices.
Every effort has been made to the best to make this revised booklet better & error free. If still exists any
unintentional / typographical error / mistake, or any suggestion to improve the booklet, may kindly be brought to
the notice in the following email ID or Telephone.
SPoC & Supervisor, CPC Odisha, Bhubaneswar spocodisha @gmail.com Tele: 0674-2575449
KN Satapathy, Sys Admin. [email protected] 9439856782 (Mobile)
MK Mahala, Sys Admin. [email protected] 9437279335 (Mobile)
BB Mohapatra, Sys Admin. [email protected] 9438186255 (Mobile)
J.Sahu, Sys Admin. RO Sambalpur [email protected] 9437209739 (Mobile)
R.K.Rout, Sys Admin. Rourkela HO [email protected] 9437100866 (Mobile)
S.K.Mahapatra, Sys Admin. RO Berhampur [email protected] 9438338805 (Mobile)
CBS CPC (Circle Processing Centre), Odisha Contact Details

Designation Name , S/Shri Contact No. Email address
SPOC & Supervisor Sudhansu Shekhar Tripathy 9439913805 (Mobile) [email protected]
System Administrator Kedarnath Satapathy 9439856782 (Mobile) [email protected]
System Administrator Swadhin Behera 9853185184 (Mobile) [email protected]
Compilers : CBS Circle Processing Centre, Odisha and WTCs, in Odisha
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Contents Page
1 Important Notes on POSB & Finacle 4
2 Difference in process : Sanchay Post & CBS Finacle - Major issues 6
Anti-Money Laundering (AML) Measures / Know Your Customer (KYC) Norms – Receipt of Account 10
3 Opening Form (AOF) & KYC Documents and their preservation
4 Account Opening (All schemes) & Minor Accounts ------------------ Open Value Date 12
5 Account Closure (All schemes) - Normal --- Death Claim ------------- Closure Value Date 17,20
6 Account Extension /Re-deposit/Renewal /Re-investment ---------- Account Transfer (All schemes) 22, 23
7 Agent Portal (Business ,Commission & Management) --------------- Atal Pension Yojana (APY) 24, 27
8 Comparison of three schemes – APY, PMJJBY & PMSBY ------------ Cash Certificate: KVP / NSC 31, 32
9 Cheque Clearing (Inward & Outward) – Rejection Steps & Out Station Cheque Collection 36
10 Cheques: Rejection Steps ---------- Inward Clearing Process --------- Outward Clearing Process 37,38,39
11 Cheques: Outward Clearing -CBS HO/SO not dealing with clearing house 42
12 Cheques: Out Station Cheque for Collection ---------------------------- Cheque Dishonour & Collection fee 43, 44
13 Cheques: Cheques sent for collection before migration but received after migration 44
Common Menu – A/c Conversion (Single to Joint & Vice versa, Minor to Major), CTM, CXFER, 45
14 Funding by Transfer, HCASHPND, , Name change, Nomination, UCR
15 Customer Identification File (CIF) ------------- Discontinued Scheme: Transactions & Maturity values 47, 49
16 Day End Process in Finacle : EOD (COD) / BOD: Closing a Day’s Work ------------------ ECS 53, 58
17 Find out new account No. for old account No. ---------- Freezing of A/c --------- Functions in Finacle 58, 59
18 Inventory Management - Certificates & Cheques --------- Issue of Duplicate Certificate & Pass Book 60, 61
19 Lien Maintenance -------------- National Savings Scheme (NSS) A/c ---------------- Office A/c 62,62, 63
20 Other SOL Transaction (Inter SOL Transaction) 65
21 Payment (by Cash/Cheque/Transfer) & Repayment (Credit) A/c 70
22 Pay, Other Bill & SB Bulk Uploading ---------------------- Pledging of A/cs 71, 74
23 Pradhan Mantri JeevanJyoti Bima Yojna ( PMJJBY) & Pradhan Mantri Suraksha Bima Yojna( PMSBY) 74
24 Public Provident Fund (PPF) A/c --------------------------- PPF Loan / Withdrawal 77, 80
25 Recurring Deposit (RD) A/c --------------------------- RD Loan / Half Withdrawal 81, 82
26 Rectification of Wrong Postings / Fake-unwanted A/c opening ----- Exceptional Schemes /Closure 84, 86
27 Retail Manager (RM) e-Banking Portal 87
28 Savings Accounts (SB) A/c ----- SB: POSB Cheque Book Maintenance / POSB Cheque Stop Payment 87, 89
29 Settlement of Balance Differ cases and correction of Date of open/issue 90
30 Standing Instructions Maintenance ----- Sukanya Samriddhi Accounts (SSA) 90, 91
31 TDA -Term Deposit Accounts: (TD/ MIS / SCSS) --- TD & MIS (Extra / Special) --- SCSS (Extra / Special) 93,95,96
32 TDS 98
33 Transaction: its ID, Cancellation (including New & Fake New A/cs) & Verification 100
34 URLs ---------------------------------------------------------------------------- Users in Finacle 102,103
35 Vault Transaction ----------------- Works that can be initiated by Supervisor / Sys. Admin./ Postmaster 104
36 Reports (Inquiry - View / Print) ----------------------------------------- List of Finacle Reports 105,106
37 Day to day Transactions Reports (Production & MIS Server) 106
38 ATM Operation ------------------------------------------- BO Transactions 109, 111
39 Interest Flow & PMI ---------------------------------- Submission of Documents / Information to CPC 116
40 How to get it if forget to note 117
41 Good practices in CBS Finacle 118
42 Frequently Used Menu Options / Commands 120
43 List of End Users’ Menu in CBS Finacle 121
44 Finacle Settings : Desktop – Printer – View Signature & Photo – Pre-requisites 128
45 Fault Reporting 132
46 SB Orders related to CBs Finacle 133
47 Telephone Nos. / email IDs & Escalation sheet related to CBS Finacle, DOP Networking & Anti-Virus 134
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CBS FINACLE – WORK FLOW PROCESS (AN INDICATIVE PROCEDURE & GUIDELINE)
Govt. of India authorizes POSB to run in CBS vide SB Order No.05/2014. Some POSB Rules & SB Orders are
different for CBS & non-CBS Offices. POSB Rules & SB Orders referred to in this booklet is applicable to CBS offices.
Important Notes on POSB & CBS Finacle:-
1. POSB Schemes in nut shell: For details refer Govt. of India POSB Orders issued from time to time.
POSB Introduced / Maturity period + # A/c type & Min. Deposit No. of Deposit /
Schemes Reintroduced Extension if any Max. No. of Amount Maximum Deposit
joint A/c in an A/c
holder in an
a/c
KVP Re- 23/09/2014 08 Years 04 Months S, JA, JB. 02 1000 One. No limit.
MIS 15/08/1987 6Years up to S, JA, JB. 03 1500 One. Single
30/11/2011. 5Years a/c=4.5Lakhs, Joint
from 01/12/2011. a/c = 09Lakhs
NSC VIII 08/05/1989 6Years up to S, JA, JB. 02 100 One. No limit.
30/11/2011. 5Years
from 01/12/2011.
NSC IX 01/12/2011 10 Years (Discontinued S, JA, JB. 02 100 One. No limit.
from 20.12.2015)
NSS Discontinued ---- NA ---- ----
PPF 01/01/1979 15 Years + 5Yrs + 5Yrs + S. Joint not 100 in a Fin. Multiple. 1.5Lakhs
5Yrs (Max. 30Years) allowed Year in a Financial year
RD 01/04/1970 05 Years + 5Yrs S, JA, JB. 02 10 Sixty + sixty. No
(Max.10Years) limit. Denomination
is multiple of 5.
SB - General Since 1882 ----- S, JA, JB. 03 Non-CQ=50. Multiple. No limit.
* CQ=500.
SB – Pension ----- S, JB* Non-CQ=50. Multiple. Deposit by
CQ=500. Dept. only. No
limit.
SB – ----- JA. 03 Non-CQ=50. Multiple. No limit.
Sanchayika CQ=500.
SB - Basic 20/05/2013 ----- S, JA*. 02 Zero Multiple. No limit.
Savings A/cs
SCSS 02/08/2004 05Yrs+03Yrs(Max. 8Yrs) S, JA*. 02 1000 One. 15Lakhs
SSA 22/01/2015 21Years S*. No 1000 in a Multiple. 1.5Lakhs
Joint A/c Fin. Year in a Financial year
TD 1/3/5Years from 1/ 2 / 3 / 5 Years (Re- S, JA, JB. 02 200 One. No limit.
16/03/1970. deposit through SAS
2Years from not allowed)
01/08/1973
# A/c type: S=Single; JA=Joint A; JB=Joint B * Condition applied
$ SB CQ A/c not permitted for
SB:- One A/c holder can have maximum 03 (three) A/cs – One Single / Pension A/c & two Joint A/c with
different partner. Cheque facility is not permitted in Self-operated minor & Lunatic A/c.
PPF & SSA:- One A/c holder can have only 01 (one) Single A/c. Joint A/c not allowed.
SSA:- Can only be opened in the name of minor girl child born on or after 02.12.2003.
SCSS & SB – Pension: - Joint A/c is allowed only with spouse. (SB – Pension: SB Order No.11/2007)
MIS & SCSS:- One A/c holder can open more than one A/c within the prescribed maximum limit.
CC, RD & TD:- There is no limit in number of A/c and amount of deposit.
2. KYC (Know Your Customer), attested (self or by Gazetted Officer) copy of any one among from Identity Proof
& Address Proof documents along with Documents Compulsory is required for opening and running the
accounts (Counter PA & Supervisor need to verify with the original document). The KYC Documents should
be as per the SB Order No.14/2012 (Master Circular No. 1 on KYC norms in POSB/SC under AML/CFT
regime) (Directorate File No.109-04/2007-SB dated 09.10.2012). Without KYC document A/c cannot be
opened nor can be operated.
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3. A job / process (financial / non-financial / inquiry / generation of report (View or print)) originated by any
user (PA/Supervisor/Sys. Admin /Postmaster) is termed as create a Transaction. Some of these job /
process requires checking / verification by any Supervisor and is termed as Verify. Transaction & Verify
are represented by T & V respectively in this document.
4. Menus / Commands begins with H are product of Finacle. Menus / Commands begins with C are
customized for Post Offices. All the Menus given under column heading “Supervisor verify menu” are not
meant for Verification e.g. CNAC. Items (Transactions) / Menus against which V is written, requires
verification. Without verification the same will act as “EOD Blocking Validation”. EOD is not possible
until the same is verified / cleared.
5. CBS Finacle being a web base application has different users such as PA, Supervisor, Postmaster, Sys.
Administrator, Auditor etc. assigned with certain roles. Each user has a login ID & Password. A password
is valid for 60 days only. Password should be minimum of 08 characters consists of at least one special
character & one number. The software maintains the password history.
6. Scheme Codes
POSB Scheme Codes in Finacle for new a/c opening Scheme Codes in Finacle for Agents which is to
Schemes be attached by HDSAMM
KVP (KVP KVP14 KVN – KVP New
New The sale of KVP Denomination INR.50000/- is KVN3 – KVPN Rs. 1000/- denomination
reintroduced restricted to Head Post Offices and selected KVN4 – KVPN Rs. 5000/- denomination
from departmental sub post offices which are KVN5 – KVPN Rs. 10000/- denomination
17.11.2014) authorised by the Head of the Circle. KVN6 – KVPN Rs. 50000/- denomination
MIS MISE1 – MIS Exception (for conditional transfer MISN1 – Monthly Income Scheme
of existing MIS a/c for closure of irregularly
opened a/cs)
MISN1 – Monthly Income Scheme (for New A/c)
NSC VIII NSC8 NSC81 – NSC VIII Issue Rs. 100/- denomination
NSC82 – NSC VIII Issue Rs. 500/- denomination
NSC IX NSC9 NSC91 – NSC IX Issue Rs. 100/- denomination
(Discontinued (Discontinued from 20.12.2015 vide SB Order NSC92 – NSC IX Issue Rs. 500/- denomination
from No. 16/2015) NSC93 – NSC IX Issue Rs. 1000/- denomination
20.12.2015) NSC94 – NSC IX Issue Rs. 5000/- denomination
NSC95 – NSC IX Issue Rs. 10000/- denomination
PPF PPF – Public Provident Fund PPF – Public Provident Fund
RD RDIPE – RD Exception (used for PMC /closure of RDIPN
irregularly opened a/cs)
RDIPN – Normal (for New A/c opening)
SB (Scheme SBGEN – Saving Bank – Without Cheque Book -----Not Applicable -----
codes to be SBCHQ – Saving Bank –With Cheque Book
selected from SBBAS – Saving Bank – Basic Saving Account
searcher) SBPEN –SB – Pensioners With Cheque Book
SBPWC–SB–Pensioners Without Cheque Book
SBSAN – SB – Sanchayika With Cheque Book
SBSWC – SB- Sanchayika Without Cheque Book.
SCSS SCSCM – Senior Citizen Savings Scheme SCSCM – Senior Citizen Savings Scheme
SCDEF - SCSS – Retired from Defence SCDEF - Senior Citizen Savings Scheme – Retired
SCVRS - SCSS – Voluntary Retirement from Defense
SCEXP – Sr. Citizen Exceptional Scheme (used SCVRS - Senior Citizen Savings Scheme –
for PMC /closure of irregularly opened a/cs) Voluntary Retirement
SSA SSA – Sukanya Samriddhi Accounts -----
TD Same as given for Agent. TDIPE – Exceptional TDIP1 – One Year TD; TDIP2 – Two Year TD
scheme. TDIP3 – Three Year TD; TDIP5 – Five Year TD
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7. In Finacle CBS, entering of Date of Birth for all accounts is mandatory and it treats all depositors of age
below 18 years as minor. When Minor attains majority, it stops transactions and allow transactions only
when status of account is changed from minor to normal.
8. Entering of Last name in also mandatory in Finacle CBS. When there is no last name for a customer, first
name should be entered as last name.
9. In Finacle, deposit is called as Funding. Savings A/cs, PPF A/cs and Sukanya Samriddhi A/cs cannot be
funded during account opening. Funding has to be done after opening & verification of Accounts.
10. In case of other types of accounts/certificates (KVP/NSC/MIS/TD/SCSS), funding is either to be done at the
time of creation of account by selecting Transaction Required as “Yes” or during verification.
11. Interest of MIS/SCSS/TD A/c, automatically flows to customer’s SB account (called as repayment account)
on EOD by CPC. If no SB A/c is specified, the interest flows to Office Sundry a/c. If due date falls on Sunday
/ Holidays, interest out flow occurs on the previous day. But the system may not allow payment before
due date. At the same time there is no provision to close the account/certificate one day prior to maturity
date, if maturity date falls on Sunday or Holiday, then closure is to be done on the next working day. Hence
it may please be notified and customers may please be requested to come on next working day.
12. The extension of time deposit is automatic and for the principal portion only (SB Order No. 05/2014).
13. PPF claim closure & transfer out closure from post office to Bank can be done at HO as the transaction has
to be initiated by supervisor and verified by another supervisor.
14. Effective available balance is eligible amount of withdrawal. Amount before clearing is “Shadow Balance”.
15. Wherever From A/c ID & To A/c ID fields are shown in Finacle, it refers to a range of accounts (eg. from 1 to
100) and not transfer-from and transfer-to account ID
16. Finacle CBS application does not support maintenance of stock and supply of Passbooks. After Migration to
CBS, Passbook stock and supply is to be maintained manually.
17. The user, who doesn’t have a teller account, cannot post transactions in CTM/HTM.
18. Trial Closure of Term Deposit type accounts is mandatory. Use of trial closure for SB & PPF is also helpful.
19. Reason for closure is critical and mandatory. Reason code to be selected for all types of closures.
20. When claim closure is initiated, proper reason code, “death claim” should be given and “penal” flag
should be changed as ‘N’. Otherwise discount will be deducted from principle amount in TDA Products.
21. Closure reasons:-
Reason Reason code Reason Reason code
Normal / Maturity closure NORML Forfeiture of certificates FORFT
Order by Ministry of Finance OBMIN Death claim (closure on death) DTCLM
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Difference in process: Sanchay Post and CBS Finacle - Major issues

Issues Process in Sanchay Post Process in Finacle
1. A/c Open
A/c opening No Customer Information File CIF has to be created for every depositor. On migration, CIF is
with CIF (CIF) concept in Sanchay Post. created for each depositor or guardian
Funding of Deposit is accepted at the Deposit is called Funding. Account can be funded either at the
accounts time of A/c opening and time of opening or after opening.
purchase of certificates.
2. Cash Certificate
Issue of 1. Certificates are issued 1. On migration, account is created for each certificate. One
certificate against new registration account is opened against each certificate. Under one
No. Registration No. 25 A/cs (certificates) can be opened / issued.
2. On issue of certificate 2. Stock is linked to printing of certificate. User has to invoke
stock is reduced & the menu of printing a certificate to issue certificate & get
certificate No. comes. certificate Number. Then the stock gets reduced.
Certificate For Certificate transfer from CIF is to be created for new depositor and then CIF of earlier
transfer / one person to another or depositor is to be suspended. New CIF is to be attached to the
Name change single to joint or joint to existing certificate. On the physical certificate, name of old
single, old certificate is to be customer is to be rounded and new customer to be added. In
discharged and new case of single to joint, name of new customer is to be added on
certificate is to be issued. the existing certificate.
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NC4a issue If certificates are not in Receipt from NC4(a) has to be issued indicating denominations
stock, NC4a receipt is issued selected in A/c opening (denomination selected cannot be
from Sanchay Post and changed later). An account is opened against each certificate
amount is accounted against and Counter PA has to enter the NC4(a) receipt number in the
certificate issue. Later, relevant field. On of stock, the Counter PA has to print
certificates are issued on certificates against account created under NC4(a).
receipt of stock against this
NC4a receipt.
3. Cheque Transaction
Cheque Cheques are entered against Cheque clearance is totally different from Sanchay Post. It has a
clearance A/c Nos. and for new A/cs full-fledged Cheque Clearing Module. Cheque for Savings A/cs,
marking as New Account can be lodged/entered against the relevant account. Cheques for
against A/c No. Lists are other schemes are to be lodged against specified Office Account.
printed at SOs and sent to Till CSI, comes, the cheque clearance will be handled by the
HO with cheques. In HO, Treasurer as earlier. Treasurer will be handed over two lists, i.e
cheques of SOs and HO are one of Sanchay Post and another of Finacle.Posting of cheques
entered in Sanchay Post and lodged in Finacle will be done in Finacle at HPO level.
combined list is handed over When SOs will come in Finacle, there will be no need to send any
to Treasurer along with intimation to SO for posting. In case of new accounts, SO can see
cheque for clearing. After the credit happen in Office Account of HO and can open and
clearance, HO Counter fund/make deposit in account from the office account putting
makes accounts of his own date of credit as value date.
cheques, accounts for SO Once CSI comes, the clearing house activities will be handled by
cheques as Part-II and sends Treasurer by using Finacle CBS cheque clearing module.
intimation to SO under part-
III for posting in SO ledger.
Account Account opened through Cheques of other Banks cannot be lodged against the scheme or
opening cheques can be opened and account number. These are to be lodged in Office A/c. On
through credited by selecting the receipt of credit, the account can be funded /deposited by
cheque cheque details from the list debiting/withdrawing amount from that Office A/c.
of cheques cleared in While opening new accounts, cheque details to be filled in
Sanchay Post. Remarks field so that the same comes in remarks column of LOT.
Subsequent These cheques can be Cheques have to be lodged against designated Office Account
deposits lodged/entered against the and on clearance, each and every deposit is to be made in the
through RD and PPF accounts and on relevant RD and PPF account by debiting relevant office account.
cheque in RD receipt of clearance, deposit There are chances of mistakes and the procedure is time
& PPF A/cs can be given by just selecting consuming also.
the relevant cheque number
from the list.
4. Death Claim
Death Claim The Counter PA has to enter Different processes are followed for different death claim cases.
closure date of death and all other CIF of the deceased has to be suspended.
calculations are done by the In case, nominee or legal heir wants to continue account, his/her
Sanchay Post system. CIF has to be created and existing account has to be attached
with new CIF.
All the nominees or legal heirs have to come together to claim
amount as there is no provision to keep the amount in the
account for the nominee or legal heir who does not claim along
with other one.
5. Inventory
Inventory Inventory process is for local There is no provision for Passbook inventory. Process of
process office and maintained for inventory of certificates and cheque books is also different.
Cheque, KVP/NSC &
Passbook with facility to
enter invoice number details.
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6. Office A/c
Maintenance There is no concept of It is based on Double Entry Accounting system. Every entry has two
of Office Office Accounts as it is legs i.e Debit/withdrawal and Credit/Deposit. Many Office Accounts
accounts based on Single Entry have been opened for taking care of the second leg of posting. LOTs
system. are also printed based on the second leg of posting and General
Ledger Balances/Scheme-wise Balances in an office are also created
with the second leg of posting. Some of the Office Accounts are to
be operated by Counter P.As and Supervisors and some are
maintained by the System itself.
Many of these accounts have to be watched by SBCO or Postmaster
or Division/Region/Circle/DAP Offices in the shape of reports.
7. RD
RD agent There is a provision to There is no provision to accept RD List (LOT) without posting at the
portal attach RD Accounts with counter. Once account is attached to the agent (migrated from
an identified MPKBY Sanchay Post or opened in Finacle), deposit cannot be accepted at
*w.e.f. Agent and when agent the counter in that account unless depositor gives in writing to
01.07.2015 (SB presents List (LOT), cancel the attachment with agent.
Order amount of List can be For bulk acceptance of RD deposits from MPKBY Agents, an Agent
No.8/2015) accepted pending its Portal has been developed which can be accessed through DOP
posting. Amount of all website using internet.
such Lists are reflected in All MPKBY agents are allotted Login ID and Password to operate
RD LOT and posting Agent Portal. On login into Agent Portal, all live RD accounts
against pending LOTs can attached with the agent are visible to the agent. Agent can select
be done at a later date the installment month and default fee or rebate will be calculated
with date of presentation by the system. MPKBY Agent can prepare List (LOT)s in three
of List as date of deposit. different modes i.e cash with limit of Rs.10,000/- (*Rs.20000/-), by
POSB Cheque and by other Bank Cheque. One MPKBY Agent list
should contain maximum 50 A/cs.
System generates one reference number on the printed List (LOT).
On presenting the list, Counter PA enters the reference number and
compares the entries in the printed LOT and does the needful.
System once again validates the entries and accepts the deposits. If
any deposit is rejected, Counter PA can print the revised LOT and
return the excess money to agent. Counter PA will save the
transaction posted and then Supervisor has to validate the posting.
In case of other Bank cheques, no posting is done until clearance of
cheque. On credit receipt, the List can be accepted for posting by
debiting that Office Account.
There is no provision to keep the posting of RD pending. Agent
commission automatically gets credited into Agent’s Savings
account after deducting the TDS. All entries of all agent LOTs will be
printed in the Counter LOT. Therefore, it is advised that only one
counter should be identified for accepting agent LOTs.
8. Savings A/cs
Savings /NSS Savings A/c closure, all The balance is to be made Zero by withdrawal. Then closing interest
/PPF A/c calculations of closing to be viewed, if required to be calculated. Closing interest has to be
closure interest are done by the seen by going through transaction details or by invoking print
software. report. Supervisor while authorizing closure is not able to see any
amount.
9. Specimen Signature
Shifting of Signatures are scanned at Earlier Process: ECMS document scanning and storage system was
signature the Post Office counter. implemented. Counter PA has to take additional signatures on the
scanning and There is no provision of perforated slip of new Account Opening Form (AOF) and paste the
other related signature scanning in SOSB same in SS Book after tearing from AOF. AOF with KYC documents
work to CPC. and also no provision for was sent to CPC daily. At CPC, AOF & KYC documents were matched
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photo scanning in Sanchay and on acceptance, these were scanned in ECMS and uploaded into
Post. Finacle Core. The scanned images were available in ECMS and CBS
Finacle both and any CBS post office is able to view. Photo and
signature were separately stored & available in the shape of an icon
called “SVS” for Finacle withdrawal and closure screens. Physical
documents are sent back to concerned Post Office by CPC along
with rejected documents showing the objection for rectification.
Post Office will get the rectification done and resubmit the
documents with AOF to CPC. (ECMS discontinued from 01.04.2015)
st
Process from 1 April 2015: New simplified 1 Page (back to back)
Account Opening/Purchase of Certificates Application Form (AOF) is
to be used. The new customer has also to fill (for one time), KYC
Form in duplicate and put photo and signature on the same. AOF,
KYC Form (one copy) and KYC documents (New / existing customer
& returned from CPC) should be preserved at Post Offices in A4 size
Ring Binder date-wise. One copy of “KYC Form” is to be sent to CPC
for scanning. At CPC, photo and signatures are attached with CIF &
account level. “KYC Form” received at CPC will be preserved at CPC.
10. Term Deposits
Payment of 1. Interest is credited into 1. Interest is not credited to the MIS/TD and SCSS A/cs. Interest of
interest in the MIS/TD/SCSS these accounts is calculated and credited into specific office
MIS,TD, SCSS Accounts and also paid Sundry A/cs. Interest is also has to be paid from the Sundry
etc. from the A/cs. Account.
2. Interest is credited to 2. Interest is credited to customer’s Savings A/c on due date
the customer’s Savings automatically on specifying the repayment A/c. It is desired that
A/c on written request all such customers should be requested to open Savings A/c and
called Standing link as repayment A/c.
Instruction (SI) – Auto 3. Interest is not paid for the day of account opening and is paid for
transfer. the day of closure. Total interest in both the cases will be same.
3. Interest is paid for the When account is opened in Sanchay Post and closed in Finacle,
day of account opening one day’s interest will be paid extra. Therefore, this extra
and not for the day of interest is being deducted in Finacle during first payment after
closure. migration.
4. Rounding off was being 4. Finacle adjusts rounding off every quarter/month to restrict total
done every quarter / interest to the actual rate of interest. Therefore, any extra
month as the case may interest already paid in Sanchay Post due to higher rounding off
be, to the higher side of is also deducted during interest credit of first quarter/month
a rupee if interest is in after migration.
50 paisa or more. 5. Interest is calculating on basis of number of days in a month
5. Interest is calculated from the date of opening of account. That is why the interest
equally for every amount differs from month to month / quarter to quarter. (Now
month. it is seen, interest is same for each month/quarter,but yet to be
confirmed).
11. Transfer of A/c
Transfers There is a provision to 1. The account transfer in / out can be done among CBS post office
between transfer any account to only. There is no need to generate any AT or Transfer Journals or do
finacle and any post office and it the pairing. Only, the post office, after satisfying the genuineness of
non finacle generates Advice of depositor, has to change the home SOL (post Office) of the account
offices Transfer along with and account will be transferred on the spot. A report can be
Transfer journals. generated showing accounts transferred from one SOL to another.
2. Only PPF & SCSS can be transferred between CBS & non-CBS Post
Offices (Stopped vide SB Order No.07/2015, Scenario-10).
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 Anti-Money Laundering (AML) Measures / Know Your Customer (KYC) Norms - Receipt of Account Opening
Form (AOF) & KYC Documents and their preservation
Know Your Customer (KYC) Norms/Anti Money Laundering (AML) Measures/Combating Financing of Terrorism
(CFT)/Obligations under PMLA, 2002 (amended from time to time) (Authority / Ref: SB Order No.14/2012; Master
Circular No. 1 on KYC norms in POSB/SC under AML/CFT regime; Directorate File No.109-04/2007-SB dated
09.10.2012). The following Orders are so far issued on AML Measures / KYC Norms.
SB Order Dte Letter No. & Date
1 08/2010 109-04/2007-SB Dt.23/04/2010
2 09/2010 113-01/2010-SB Dt.18/05/2010 (for 0 Balance A/c)
3 10/2010 109-04/2007-SB Dt.02/06/2010
4 18/2010 109-04/2007-SB Dt.24/08/2010 (08/2010 Revised)
5 22/2010 109-04/2007-SB Dt.30/11/2010
6 04/2011 25-04/2009-FS(Vol-I)(pt.) Dt.01/04/2011
7 09/2011 109-04/2007-SB Dt.03/06/2011(Aadhar – valid ID & Address proof)
8 19/2011 25-04/2009-FS(Vol-I) Dt.14/09/2011
9 34/2011 25-05/2005-FS(Vol-III) Dt.15/12/2011 (On BPL A/c)
10 02/2012 113-23/2005-SB Dt.10/02/2012 (credit of maturity value and cash withdrawal from savings
account opened without KYCD)
11 14/2012 109-04/2007-SB dated 09.10.2012. Master Circular No. 1 on KYC norms in POSB/SC under
AML/CFT regime. This supersedes all previous SB Orders issued on AML/CFT / KYC
12 08/2013 109-04/2007-SB Dt.15/05/2013 . Reduction of preservation period of records under PMLA
2002. Preservation period is reduced from to 05years amending SB Order No. 14/2012.
13 09/2013 25-10/2005-FS (Vol-III) Dt.24/05/2013. Introduction of “Basic Savings Account” under Post
Office Savings Account Rule 1981 to facilitate opening of Zero Balance Account by
beneficiaries of any Government Welfare Scheme.
14 11/2015 116-57/2014-SB Dt. 28/09/2015. Acceptance of Passport, Aadhar card and PAN card as a
valid document for age proof of girl child for opening of Sukanya Samriddhi Account.
Min. of Finance (DEA) vide its O.M. No. F.4/1/2010/NS-II dated 12.4.2010 has issued guidelines for introduction of
AML/CFT norms in Small Savings Schemes under PMLA 2002 and the rules notified thereunder. For
implementation of the provisions on Prevention of Money Laundering (PML) Act 2002 and rules made under this
act, Ministry of Finance, Department of Economic Affairs (Budget Division) has formulated norms for Prevention of
Money Laundering (PML) and Combating of Financing Terrorism (CFT) in Small Savings Schemes. (SB Order
No.08/2010) The objective of KYC/AML/CFT guidelines is to prevent money laundering or terrorist financing
activities by use of Post Office Savings Bank intentionally or unintentionally by criminal elements. KYC procedures
also enable to post office Savings Banks to know/understand their customers better which in turn help them
manage their risks prudently.
All Post Office Savings Banks should keep in mind that information collected from the customer for the purpose of
opening of account or purchase of savings certificates is to be treated as confidential and details thereof are not to
be divulged for cross selling or any other purposes. Under PMLA provisions, Post Office Savings Bank declares its
KYC Policy on the following four elements:-
(a) Customer Acceptance Policy.
(i) No account is opened in anonymous or fictitious name/benami.
(ii) Not to open an account or close an existing account where the Post Office Savings Bank is unable to
apply appropriate Customer Due Diligence measures i.e unable to verify the identity and/or obtain documents
required as prescribed due to non- cooperation of the customer or non-reliability of data/information furnished
by the customer. However, the customer should not be harassed and any decision to close the account should be
taken by head of the Postal Division by giving suitable notice to the customer
(b) Risk Management
All customers according to the amount involved at the time of opening of account or purchase of Savings
Certificates or credit into an existing account have been categorized with the perspective of risk involved. The
categorization is
(i) Low Risk: Where the customer opens account or applies for purchase of certificates or applies for credit of
maturity/prematurity value of any existing savings instrument with an amount up to Rs.50,000/- and balance in
all accounts and savings certificates does not exceed Rs.50,000/-.
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(ii) Medium Risk: Where the customer opens account or applies for purchase of certificates or applies for credit of
maturity/prematurity value of any existing savings instrument with an amount exceeding Rs.50,000/- but up to
Rs.10 lakh and balance in all accounts and savings certificates does not exceed Rs.10 lakh
(iii) High Risk: Where the customer opens account or applies for purchase of certificates or applies for credit of
maturity/prematurity value of any existing savings instrument with an amount exceeding Rs.10 lakh and balance
in all accounts and certificates exceed Rs.10 lakhs.
(c) Customer Identification Procedure: Customer Due Diligence (CDD) /Know Your Customer (KYC) Norms
Following will be the CDD/KYC norms to be followed in case of opening of new accounts/purchase of certificates
falling under different types of accounts or Savings Certificates. Applicable to all types of Savings schemes
including Certificates, Pension, Workers Wage Accounts and Basic Savings Accounts.
Identity Proof - Any one of the following Address Proof - Any one of the Documents Compulsory
documents following documents
 PAN card or letter issued by IT Authority  Bank or Post Office Passbook / Following are compulsory in
quoting PAN Statement with current address addition to ID & Address proof.
 Electoral Photo Identity card, • Passport with current address. 1. Recent Passport size
• Ration Card with photograph. • Ration Card with current Address. Photograph.
• Passport, • Electricity Bill or Telephone Bill of 2. PAN or Form-60/61 for balance
• Driving License, not more than 03 months old / transaction of INR.50000/- or
• POSB Identity card/ Post Office Identity (Current bill if internet above
Card / Identity card from Central/ State downloaded) 3. Birth Certificate for SSA.
Government or PSU e.g PPO, BPL card, Job • • Salary Slip of reputed Employer 4. Income proof / source of receipt
card issued under MG-NREGA duly signed with current address. of fund for SCSS & High Risk
by an officer of State Government. • Certificate from any Public category.
• Photo Identity Card issued by recognized Authority / Postman or Gram Dak 5. Copy of Authority letter
University/Education Sewak Delivery Agent or Branch /document issued by
Board/College/School. Postmaster. concerned Authority for SB -
• The letter issued by the Unique • The letter issued by the Unique Basic Savings A/c. e.g. For LPG
Identification Authority of India (UIDAI) Identification Authority of India subsidy- Subscription Voucher &
containing details of name, address and (UIDAI) containing details of name, Blue Book; For MGNREGS –
Aadhaar number. address and Aadhaar number. NREGS Job Card Pension – PPO
& Aadhaar Card to get benefit..
 ATTESTATION OF PHOTOCOPY OF DOCUMENTS: Documents should be self-attested & in case of illiterate depositors
should be attested by Gazetted Officer/Sarpanch or Branch/ Sub/Head/Chief Postmaster or Postman / Gram Dak
Sewak Delivery Agent. In case of investment through agent, documents should also be attested by the agent.
In case of Joint Account; photograph (joint photo is preferred), ID and Address proof of all depositors are required.
KYC Documents required for Three Risk categories. (AOF=Account Opening Form)
Risk Type New CIF & New Account Existing CIF & New A/c Change Request (CR)
<50000/- Low Risk Prescribed Identity Address Proof Identity & Address Proof CR Form, 02 KYC Form
between Rs.50,000 & Extra Document. not required, but data to be with photograph,
to Rs.10 lakh – Passport size Photograph: 03Nos. filled in AOF & KYC Form. prescribed Identity Proof,
nd
Medium Risk Photo to be pasted: 01 on 2 Photograph: 02Nos. 01 on Address Proof & Extra
nd
10,00000/- or page of AOF, 01 on KYC Form, 01 2 page of AOF, 01 on Pass Document if any.
above – High Risk on Pass Book. Book.
Where to preserve KYC Form to be sent to CPC. AOF To be preserved at SOL date 01 KYC Form to be sent to
/ send the & other documents to be wise in A4 size Ring Guard CPC. CR Form and/or 01
documents preserved at SOL date wise in File KYC Form to preserve at
Ring Guard File. SOL with the same AOF.
CPC, Odisha Opinion: AOF & documents of Certificates & other schemes may be preserved in separate Ring Guard
File (means AOF & documents of Certificates & other schemes may not be preserved in same Ring Guard File).
(d) Monitoring of Transactions; Record keeping and Reporting: To be done as per SB Order No. 14/2012.
N.B.: (a) Form-60/61 is not treated as Identity Proof if submitted in lieu of PAN.
(b) Form 60 is meant to give reasons for not having PAN. Form-61 is for agricultural income.
(c) For self-operated minor (minor of 10 years or more) A/c, KYC of minor (especially ID proof, Signature and
Photograph) is to be taken.
(d) Name & Address given in AOF & KYC Form should match with ID & Address proof given or that with
Existing CIF.
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 Account Opening (All schemes) & Minor Accounts (Menu Operations are given in respective schemes) - &
Open Value Date
 Documents required for New Account Opening/Purchase of Certificates – To be filled & complied by applicant
(KYC Documents should be in A4 size paper preferably photocopied in one side).
1. Common Account Opening Form (AOF) plus additional Form for SCSS & PPF A/c in A4 size paper (SB
Order No.6/2015 dated 09.06.2015 & process circulated in email dated 27.03.2015 & 25.05.2015).
2. KYC (Know Your Customer) Form – 01No.
3. Proof of identification (POI) and Proof of Address (POA)
4. Copy of PAN Card for transaction or balance of 50000 or more (Better to take PAN in CIF).
5. Copy of Authority letter /document issued by concerned Authority - for SB - Basic Savings A/c
6. Copy of PPO issued by concerned Authority for SB - Pension A/c.
7. Copy of “Resolution from School Management” for SB – Sanchayika A/c.
8. Age proof & Income proof for SCSS A/c.
9. Copy of Birth Certificate for SSA.
 A/c can be opened by: - Only Indian individual (s) single or jointly including Minor and lunatics (For
details, refer POSB Manual & SB Orders issued by Govt. of India from time to time).
Mode of operation:
 012 = Self  019 = Minor A/c through guardian
 016 = Joint A A/c  020 = Lunatic Operated by guardian
 017 = Joint B A/c  999 = Others
 018 = Self operated minor
A/c opening value date to be given at the time of opening & 1st transaction & Interest is due)
Item / Mode of open Open Value date Remarks
Open by Cash / Transfer from Date of open
Savings A/c (any scheme)
Open by Cheque (schemes Date of realization of
authorized / allowed) cheque
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PPF Loan A/c 1 of the current month
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RD Loan A/c 1 of the current month
st
BO A/cs (other than RD loan) BO Transaction date For RD loan it is always 1
of the current month
Minor Account:
 Minor A/c: Minor’s accounts are of two kinds (a) Self-operated minor A/c (for the age of ten years or above)
(b) opened & operated on behalf of minors by their guardians.
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 Self-operated minor A/c: Self-operated minor A/c is allowed in MIS, RD, SB,TD, KVP, NSC 8 Issue and NSC 9
Issue only. In Finacle guardian CIF is 300668762 (pre-defined one).
 Mode of operation for Minor A/c in Finacle: 018 – Minor A/c Operated by Self or 019 – Minor A/c
Operated by Guardian.
(N.B.: Now Self operated minor is available for SB. It has been taken up in UAT for other schemes)
Minor Account opening/issue of CCs (Steps) (See relevant module for funding by Transfer)
1st. Open Guardian CIF, if does not exist and Supervisor to verify (CMRC).
2nd. Open Minor CIF giving Guardian CIF and Supervisor to verify (CMRC).
3rd. Invoke New A/c opening / CCs issue menu as the case may be.
4th. Select Function O-Open, give Minor CIF and fill the required details.
5th. Give Guardian CIF in Related Party 2.
6th. Funding to be done at the time of A/c opening for MIS/RD/SCSS/TD. On completion click on Submit.
7th. Supervisor to verify A/c opening.
8th. Funding to be done for PPF/SB/SSA after verification of A/c opening on the same day & Supervisor to
verify.
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New Process of Account Opening/Purchase of Certificates at CBS Post Offices (From 1 April 2015)
(Authority: Director (CBS), Dept. of Posts email of March 28,2015 at 1539hrs & Mar 30,2015 at 1455hrs)
For new customer For existing customer
Opening / Operation of Savings Account is essential (but optional) for easy & smooth operation of different
transactions such as opening of new A/c for other schemes, purchase of Certificates, clearance of cheques,
transfer of interest / maturity / prematurity / Loan amount, RD Standing Instruction, ATM-cum-Debit Card
issue & its use, fund transfer etc. and for NEFT, RTGS, Internet Banking in future. Irrespective of customers
(new or existing), they may be requested/ advised to have a Savings A/c in the name of the customer in any
CBS Office to get the benefits of the above. If the customer has no Savings A/c , he may be requested to open
one Savings A/c to get the benefits of the above. (SB Order No. 12/2015, 15/2015 & 17/2015 refers).
1 New simplified 1 Page (back to back) Account New simplified 1 Page (back to back) Account
Opening/Purchase of Certificates Application Form (AOF) is Opening/Purchase of Certificates Application
to be used for the purpose of opening of accounts/purchase Form (AOF) is to be used for the purpose of
of certificates along with simplified New/Change KYC (Know opening of accounts/purchase of certificates.
Your Customer) Form. Plus additional Form for SCSS & PPF
A/c (SB Order No.6/2015 dated 09.06.2015 & process
circulated in email dated 27.03.2015 & 25.05.2015).
st
2 Customer has to fill all the fields in the 1 page of AOF and Same as of new customer.
nd
filling of fields in the 2 page of AOF are optional (depends
upon the requirement of customer).
3 Customer has to provide specimen signature and place To be given if not given earlier.
photo (photo only one time) on the second page.
4 The new customer has to fill (for one time), KYC Form and To be given if not given earlier.
put photo and signature on the same. No need of giving
02Nos. of KYC Form as AOF contains all data.
5 It is the responsibility of Counter PA and Supervisor to take It is the responsibility of Counter PA and
KYC (ID and Address Proof) documents from customer and Supervisor to verify that name and address
verify that name and address mentioned in these mentioned in the AOF are tallied with the
documents are tallied with that mentioned in AOF and KYC existing CIF in Finacle. For any changes fresh
Form. KYC to be obtained with Change Request (CR).
6 BPM/SPM/APM/DPM has to sign the AOF and KYC Form in BPM/SPM/APM/DPM has to sign the AOF and
token of having checked KYC documents. KYC Form (if taken as CR) in token of having
checked the documents with CIF in Finacle.
7 (a) Check if CIF exists in Finacle (Menu: CDEDUP). PA to check existing CIF & KYC status in Finacle
 If CIF exists act as per existing customer. in CIF Modification Menu: CMRC. If status is:-
(b) If CIF does not exist, create new CIF (Menu: CCRC). (a) “Documents Submitted”,
 Fill the name, address & KYC information correctly in  Name and address in AOF should be
CIF creation. matched with the data in CIF, if tallied,
 Note CIF No. on the AOF & KYC Form. Note CIF No. on AOF & KYC Form &
 Supervisor to verify CIF creation (Menu: CCRC)*. proceed for A/c opening*.
 After satisfying that entry is correct, Supervisor will click  Supervisor to verify A/c opening*.
on “KYC Status” field and select status as “S- Documents (b) If there is a difference or change, customer
Submitted” should be asked to submit new KYC Form in
(c) Then Counter PA should proceed for A/c opening. duplicate and revised ID & Address
(d) Supervisor to verify A/c opening*. documents.
 In case of difference or change in KYC, CIF
*(In case of any difference, Supervisor can reject the form has to be first modified as per revised KYC
before verification. documents and “KYC Form” (Menu: CMRC).
For detail menu operations refer/see Topic “Account  Supervisor to verify CIF modification *.
opening all schemes” & A/c opening & verification Menu  Then account is to be opened & funded.
options of respective schemes).  Supervisor to verify A/c opening*.
(c) KYC “Documents Not Submitted”, customer
Some related portions of Finacle are to be developed. may be asked to submit KYC documents and
Options to select in “KYC Status” field in CIF KYC Form in duplicate.
N-Documents not submitted  On receipt of required KYC documents, PA to
S- Documents submitted modify the CIF (Menu: CMRC).
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 Supervisor to verify CIF modification (Menu:
CMRC)*.
 After satisfying that entry is correct,
Supervisor to click on “KYC Status” field and
select status as “S- Documents Submitted” &
complete verification.
 Then account is to be opened & funded by
PA (act as per (a) above).
 Supervisor to verify A/c opening*.
8 Modification/ Change Requests: Not applicable to new A/c Modification/ Change Requests:
opening / purchase of certificate. (a) When customer applies for KYC updation, or
account transfer, ATM Debit Card, Internet or
Mobile Banking, change in nomination etc. i.e
anything other than new CIF Creation and
new A/c opening/Purchase of certificates,
Counter PA will go to CIF modification and see
status of KYC. If status of CIF is “Documents
Not submitted”, Counter PA will take KYC
Form in duplicate from the customer. If KYC
Status is “Documents Submitted” and data in
Finacle & Form submitted are same, Counter
PA will not ask for KYC Form.
(b) In case of difference, modify CIF, verify & act
as given above.
(c) In case of change request of address, obtain
KYC Form in duplicate, modify CIF & verify.
9 Conversion to Joint or Single A/c: Conversion to Joint or Single A/c:
Not applicable to new A/c opening / purchase of certificate. (a) In case of conversion from single to Joint A/c:
 KYC of new incumbent to be modified /
nd
N.B.: Conversion of A/c to name of 2 depositor may not be created as the case may be.
possible.  A/c level modification may be done to add
new incumbent to A/c by adding CIF to A/c.
(b) In case of conversion of A/c – Joint to Single:
 A/c level modification is to be done to
remove the out-going incumbent from the
A/c by removing his CIF from the A/c.
10 #AOF & KYC preservation & submission to CPC #AOF & KYC preservation & submission to CPC
(a) AOF and KYC documents should be preserved at Post (a) AOF, 01 KYC Form (for modification / change
Offices in A4 size Ring Binder. request) and KYC documents should be
(b) At End of the day, KYC status report with “KYC doc. preserved at Post Offices in A4 size Ring
Submitted” will be generated by Counter PA and KYC Binder.
Forms will be sent to CPC by Registered Parcel in (b) Existing AOFs received back from CPCs in
envelop (A4 size) without folding the form (for the sake date-wise bundles should also be opened
of scanning). and preserved in same type of A4 size Ring
Binders.
(c) One copy of “KYC Form” is to be sent to CPC
by preparing separate list.
# See Topic “Submission of documents to CPC”.
N.B.: CIF modification is a non-financial transaction and its modification has been restricted for other than Home
SOL (details are given under Inter SOL Transactions).
AOF & KYC Documents preservation process (opinion of CBS CPC Odisha): Savings A/c is the key A/c for different
purposes (such as ATM-cum-Debit card, NEFT, RTGS, internet banking etc.). Hence KYC Form & Documents,
change request forms, ATM Card issue form, Internet banking forms etc. may be preserved with AOF of Savings
A/c. Further AOF & documents of Certificates & other schemes may be preserved in separate Ring Guard File
(means AOF & documents of Certificates & other schemes may not be preserved in same Ring Guard File).
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Scheme Sequential workflow / steps of Account opening
Savings A/c can be opened by Cash only. All other A/cs can be opened by Cash / Local cheque / Transfer from
Savings A/c. Cheque & Transfer is treated as non-cash. Withdrawal form is not required for open on Transfer &
depositor needs to write on AOF and it can be invested through Agent (SB Order No.7/2015). Opening of new a/c
or issue of CC by Transfer from Savings A/c, is permissible/possible when primary CIF of both the a/c are same.
Funding to be done at the time of A/c opening for MIS/RD/SCSS/TD and for PPF/SB/SSA after verification of A/c
opening on the same day.
PPF / SB 1. Verify AOF & KYC documents given. Ensure their correctness. (It is better to give AOF verifying KYC
/ SSA and putting verified seal with signature. The depositor has to attach the said verified KYC with AOF).
2. Check for existing CIF (CDEDUP). If any document is produced on CIF always prefer CIF attached to
SB / PPF. If there is more than 01 CIF, merge it (HCCA). Note CIF ID on AOF.
3. If no CIF exists, create new CIF (CCRC). Note CIF ID on AOF.
(a) For minor a/c, Guardian CIF to be opened first & then Minor CIF. Minor CIF to be used for Minor A/c.
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(b) For self-operated minor (minor of 10 years or more) A/c (is allowed in MIS, RD, SB,TD, KVP, NSC 8
th
Issue and NSC 9 Issue only), following procedure to be followed.
Depositor should not be asked to fill Guardian details in Account Opening Form (AOF). KYC of minor of 10
years or more and Signature is to be taken on Account Opening Form. Create Minor CIF and note down
Minor CIF ID in Account Opening Form in place of Depositor CIF ID. In Guardian details and guardian CIF,
enter CIF ID as 300668762 which have been created centrally with dummy data.
On account opening, select mode of operations as SELF and in guardian CIF, enter 300668762.
System will show following details: -
“Last Name / Short Name – GUARDIAN. DoB - 01/07/1960. Document type - ADPRF with unique id
3dec2014email. Document code –PSBID. Nationality- Indian. Tax deducted at source as – NOTAX”.
(Authority:- Email from Assistant Director (SB-II), Postal Directorate, New Delhi on Dated: 06/02/2015
at 11:36 AM on the subject - Create Minor CIF). This may be filled in the AOF.
4. Supervisor to verify - Menu – CCRC / CIFRC; Function – V-Verify → CIF ID → Go → Submit.
5. Invoke New A/c opening menu (Menu:- SB= CASBAO ; PPF / SSA = CPPFAO). Function – O-Open →
Give CIF → Scheme Code → ….. Note A/c ID on AOF & Pay-in-slip. Also note Trans. ID.
6. Supervisor to verify-( SB= CASBAV; PPF/SSA= CPPFAV). Function – V-Verify → A/c ID → Go → Submit.
7. Accept money from the Depositor. Perform Funding to the scheme. (Menu:- SB= CTM or CXFER ;
PPF= CPDTM ; SSA= CTM). Function– Add → Function Type – Deposit → …….. Note Trans. ID.
8. Supervisor to verify. (SB/SSA= CTM or CXFER ; PPF= CPDTM). Function– V-Verify → A/c ID → Go →
Submit. (For Sl. No. 5 to 8 See Brief menu operation for details)
9. Print Pass Book (Front page & Transaction page) & hand over to the Depositor.
RD 1. Steps 1 to 4 are same as PPF/SB/SSA a/c.
2. Invoke New A/c opening menu (Menu:- RD= CRDOAAC /RDAOCM).
(a) New A/c opening: Function – O-Open → Give CIF → Scheme Code → See Brief menu operation.
(b) Funding: Accept money from the Depositor. Funding to be done here by clicking Transaction
Required – Yes →No. of Installments. Note A/c ID on AOF & Pay-in-slip. Also note Trans. ID.
st
(c) If failed to give No. of Installments, then 1 Supervisor to verify New A/c opening as per Sl. No.3
below. Thereafter perform funding (Menu = CRDP / CRDAMT)
3. Supervisor to verify New A/c opening - (Menu :- RD = CRDOAACV / RDAOVF). Function – V-Verify →
A/c ID → Click on Go → Click on Submit. See Brief menu operation for details.
st
4. If failed to give No. of Installments, then 1 Supervisor to verify New A/c opening. Thereafter perform
funding (Menu= CRDP / CRDAMT). Supervisor to verify Funding in same menu option.
5. Supervisor to verify funding (Menu = CRDP / CRDAMT). Function – V-Verify.
TDA (TD 1. Steps 1 to 4 are same as PPF/SB/SSA a/c.
/ MIS / 2. For MIS invoke the menu CLIMIT to know the total holding & to find whether is in the limit.
SCSS) 3. Invoke New A/c opening menu (TD/MIS=MISAO/ CMISAOP/ TDACTOP ; SCSS= CSCAOP / SCSSAO).
(a) New A/c opening: Function – O-Open → Give CIF → Scheme Code → See Brief menu operation.
(b) Funding: Accept money from the Depositor. Funding to be done here by clicking Transaction
Required – Yes → Transaction Creation During - A/c Opening or A/c Verification. Note A/c ID
on AOF & Pay-in-slip. Also note Trans. ID.
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(c) If failed to fund, then 1 Supervisor to verify New A/c opening as per Sl. No.4 below.
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4. Supervisor to verify New A/c opening. (Menu:- TD/MIS= MISAVF/TDACTOPV/CMISAOPV; SCSS=
CSCAOPV/SCSSAV). Function – V-Verify → A/c ID → Go →Submit. See Brief menu operation.
5. If failed to fund on opening, perform funding (Menu = TRCDP/CTM for Cash & TRTFR / CXFER to
transfer). Supervisor to verify Funding in same menu option
N.B: For TDA category (RD, TD, MIS, and SCSS), it is better to select “Transaction Creation During: A/c
Verification”. The financial risk factor will be less. If funding is happened on Verification of account, then
another Supervisor / Postmaster has to verify from the menu “HTM”. But it is not available at present.
KVP / 1. Steps 1 to 4 are same as PPF/SB/SSA a/c.
NSC 2. Invoke New A/c opening menu (Menu:- KVP / NSC = CSCOAAC / NSCAO).
(25 A/cs (a) New A/c opening: Function – O-Open → Give CIF → Type →See Brief menu operation for details.
only can (b) Funding: Accept money from the Depositor. Funding to be done here by clicking Total Deposit
be Amount → Denomination Amount – Select denomination →No. of Units →. Note Regd. ID on AOF &
opened Pay-in-slip. Also note Trans. ID. (Denomination cannot be changed later).
in one 3. Supervisor to verify New A/c opening - (Menu:- KVP / NSC = CSCOAACV / NSCAOVF). Function – V-
AOF) Verify → A/c ID → Go → Submit. See Brief menu operation for details.
4. On verification of New CC account, Transaction ID gets generated. It is to be posted through the
menu option HTM. But those are in entered mode are to be posted through CTM.
5. Print Certificates (Menu:- KVP / NSC = HDRP) one by one, Note the Certificate No., & A/c ID on the
AOF in the space specified & hand over to the certificates to the Depositor.
A/c Cash Certificates (KVP & NSC) and MIS/ PPF / RD / SCSS/TD A/cs can also be opened by local cheque. (AT
open by Par cheques to be treated as local cheque and no collection fee is required).
Cheque Uses of Office Account 0387 for re-investment has been discontinued vide SB Order No.07/2015 dated
18.06.2015. Restriction has been imposed on use of office A/c 0382 (Outward cheque Clearing Cr. A/c
for new A/c opening) with effect from 15.10.2015 / 01.11.2015 & on use of office A/c 0340 (Postmaster’s
Cheque A/c) with effect from 15.10.2015 and the relaxation is extended up to 31.12.2015. From
01.01.2016, office A/c 0382 & 0340 may be used in exceptional cases (SB Order No. 12/2015, 15/2015 &
17/2015).
By POSB Cheque: In the Account opening screens, there is a field for entering Cheque details. This field is
meant for entering POSB Cheque only and is available only for NSC, RD. For other schemes, there is no
option to enter the instrument type and number. It is always better to use funding by Transfer.
Non-DOP Cheque (other bank Cheque): With restriction in use of office A/c 0382, bank Cheque credit to
this account while regularizing the Outward Clearing Zone may be avoided as far as possible especially
those who have Savings A/cs in CBS Finacle, and the following procedure may be followed.
“For all new investments in any scheme including through agents, customer’s other Bank cheque should
be lodged & cleared through
Preference -1: Customer’s Savings A/c and new account/certificate should be funded from that Savings
Account by selecting transfer and putting cheque credit date (realization date) as Value Date.”
Preference -2: Office A/c SOL ID+0382 and new account/certificate should be funded from this Account
by putting cheque credit date (realization date) as Value Date.”
Cheque amount for New Account opening of RD/ TD/MIS/ SCSS/ PPF/Certificates by other bank Cheque is
credited to office A/c 0382. While regularizing the outward clearing zone, by default the current date is
the cheque cleared date and there is no option to enter actual cheque cleared date. While funding new
MIS/SCSS/TD/RD/NSC/PPF accounts, actual cheque cleared date should be entered in the Value date
field and cheque details in Remarks field so that the same comes in remarks column of LOT. The
amount is debited from office A/c 0382.
TDA Category: Savings schemes which are deposited for a certain prescribed period and rate of interest or maturity
value are fixed on the date of open are cover / come under TDA category. CCs / MIS / RD / SCSS /TDs are come
under TDA category.
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 Account Closure (All schemes) – Normal – (Menu Operations are given in respective schemes)
Closure flag updation:
KVP/MIS/NSC/RD/SCSS/TD A/c getting closed during counter hours and verified get updated with closure flag on
the same day during EOD (HSCOLD) by auto execution of HTDBATCH program. Further, repayment A/c information
is also got updated. Hence utmost care may be taken for the following works/items. (W.e.from April 2015)
1. If any mistakes is done in closure and amount getting credited to the KVP/MIS/NSC/RD/SCSS/TD A/c itself,
such issues should be rectified before commencing EOD for the day. Once the closure flag gets updated,
the amount cannot be withdrawn by any mode either by changing account number in the backend or by
executing batch job at CEPT level.
2. SB accounts marked as repayment A/c of closed dependent accounts (KVP/MIS/NSC/RD/SCSS/TD A/c
closed on to-day i.e. date of BOD) will continue to show error, if closure of said SB A/c is attempted on the
same day, as the closure flag update happens during EOD (HSCOLD) only; such SB accounts can be closed
on the next day.
Before closure ensure that
1. Lien / Freeze if any have been revoked.
2. For RD & PPF ensure loan if any has been repaid and loan a/c is closed.
3. For SB the list is given at SB Module.
Standard Close Mode – Any one appropriate option to be selected at the time of closure:
Close Mode/ option Explanation
1 C-Cash only For below 20000. Needs to run HCASHPND for cash transfer to teller a/c.
2 S-SB Account To transfer the amount to specified Savings A/c. (W.e.from 21.01.2016).
3 R-Repayment a/c only Money goes to Office A/c 0340 (SOL ID +3040) Postmaster’s Cheque A/c. In case of
BO RD & TD closure proceeds to Office A/c 0340. CXFER is to be used to transfer the
BO amount from 0340 to BO Settlement A/c (0339) (W.e.from 21.01.2016).
4 N-Customer Instruction Money goes to the Sundry deposit placeholder.
Scheme Sequential workflow / steps of Account closure

Note: S.Os is authorized for normal closure of all schemes except PPF. No Trial Closure for PPF & SB. Trial
Running Closure is mandatory for other schemes. See Brief menu operation for details. If due date falls on a
of holiday, close the A/c on next working day. Closure on previous / preceding date is treated as
HACINT premature close. There are four types of closure as under–
not
Closure Type Applicable to POSB scheme
required
for 1) Normal / On-Maturity closure All schemes
closure 2) Death (Claim) closure All schemes
in April. 3) Conditional Pre-mature closure (closure All schemes except SB / PPF. For SB / PPF every
before maturity & depositor is alive) closure is normal, when depositor is alive.
4) PSS closure (Protected Savings Scheme) RD
CC : 1. Perform Trial Closure (Menu: HCAACTD). Function – L – Trial Close → Go. The details will be
(KVP / shown; the interest details are highlighted for the record. On selecting Close option, the
NSC) principal amount and interest amounts can be seen. Then select Cancel. Do not click on Submit.
2. Generate Report through HPR, Print and file with documents. Maturity value can be seen here.
3. Obtain receipt from the depositor on the back side of the certificate. Proceed for Final Closure.
4. Final Closure: A/c wise – One by one Certificate; Menu: CSCCAAC/NSCAC OR Bulk Closure
Registration No. wise (all certificates or 50Nos at a time whichever is less); Menu – CNSBCV.
Maturity Closure (encashment) - A/c wise
(a) A/c wise Closure (Menu- CSCCAAC/NSCAC): Function Z – Close →Product Type- Select NSC or
KVP …… Select NSCs for closure one by one by checking the Close Box ……→ Closure Reason -
(NORML – Normal) → Click on Submit for verification. Note Tran IDs.
(b) Supervisor to verify - Menu – CSCCAAC/NSCAC; Function – V – Verify.
(c) Pay the amount (Cash or cheque) to the depositor.
(d) If paid by cash (below 20000/-) run HCASHPND & Supervisor to verify in HTM.
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See bulk Maturity Closure (encashment) - Bulk Closure (Take care of closure)– Registration No. wise
closure (a) Bulk Closure (Menu-CNSBCV): It is used to avoid A/c wise Closure. At a time under one Regd.
option No. up to 50 certificates can be encashed. Only Cheque payment or fund transfer is allowed.
for (b) Select Z-Close → Enter Registration number and CIF ID → Enter the repayment account (Cash
details payment not allowed) …. → Submit. Note Trans ID if any.
→ (a) Go to HPR and see Bulk Closure Success or failure Report after 10 minutes.
5. Supervisor to verify – Menu: CNSBCV
6. If the amount deposited in Postmaster’s cheque a/c, give cheque to depositor.
PMC of NSC (encash before maturity): Normally there is no PMC of NSC except a few conditions i.e.
forfeiture, Court order, order by Ministry of Finance, Death claim (illustrated separately).
1. Invoke menu CSCCAAC or NSCAC. Select Z-Close → ……. closure value date will be BOD date…..
Input the closure reason code as one of the (OBMIN- Order by Ministry of Finance; FORFT -
forfeiture of certificates). Mode of repayment is "Transfer" only and "Cash" mode is not allowed.
PMC of KVP (encash after 2 years and 6 months from issue date): Same as PMC of NSC.
Disconti 1. Note the office a/c for principal & interest. Check for repayment a/c (Prefer transfer of amount).
nued 2. Calculate PMI manually as admissible and note it.
Scheme 3. Then use CTM / CXFER / HTM / HXFER depending upon payment type (cash or transfer).
st
4. 1 pay the Principal. Then pay Interest (PMI). Thereafter close the A/c & print report in HPR.
NSS-87 1. Modify PAN, Income & Tax Information in CIF. (Menu: CMRC).
2. Supervisor to verify – Menu – CMRC / CIFMD; Function – V-Verify.
3. Update Form 15G/15H in the A/c (Menu: CASBAM).
4. Supervisor to verify – Menu – CASBAM/QDEMSA ; Function – V-Verify.
5. Invoke HACLI for the A/c and ensure interest amount is calculated and posted. If not run HACINT.
6. Attempt Account closure in menu HCAAC. Message may come to collect TDS charges & “Run
HACINT" (“Run HACINT" comes if closure in HCAAC is attempted before interest posting).
7. Collect TDS charges using menu HCACC (Function – O-Collect) &
8. Supervisor to verify TDS – Menu – HCAAC; Function – V-Verify.
9. Invoke menu HCACC & proceed for closure. Supervisor to verify closure – Menu – HCAAC.
10. If TDS not due, but deducted, then refund using Menu – HRFTDS.
PPF & There is no Trial Closure for SB and PPF. It is required to see closing interest and balance outstanding.
SB 1. To know the closing accrued interest till date (for completed months) the user has to execute
HACACCR menu (HACACCR menu operation: Enter the A/c Id, wait for the name of depositor to
appear. Compare name of depositor to ensure that correct account number is entered. Keep the
field 'From Date' as blank and Enter BOD date in the field ' To date' and submit.
2. See the accrued Interest Report either in HPR or through HAITINQ menu. The closing accrued
interest will be arrived after rounding off the amount shown in HPR to next rupee.
3. Use menu HACLI/HACCBAL to know closing balance. Add the closing accrued interest to closing
balance and amount is to be shown to depositor. If he agrees, actual closure has to be done.
(In case SB7A is received from BO for closing sanction of a Savings Account, this amount is to be
entered in SB7A with the remarks that "This sanction is valid up to last working day of the
current month" . Sending closing sanction to BO should be avoided in the last week of the month).
(A) SB Alive A/c Closure (See Brief menu operation for details. Sl. No.3 is optional)
(1) Delete / Destroy unused cheque leaves. Remove Standing Instructions (Menu- HSSIM / HSIM)/
Credit A/c (Menu- CASBAM / QDEMSA) information & Supervisor to verify.
(2) Calculate closing accrued interest – Menu: HACACCR. View/Print report in HPR. (Use for BO A/c)
(3) Withdraw the amount & make balance zero (0) (Menu: CTM or CXFER as the case may be. CXFER
is normally used for claim cases). If “user hook error” comes, then ignore the step & go to step-4.
(4) Use Menu – HCAAC/CLOSE; Function–Z-Close →…. (See Brief menu operation for details.)
(5) Supervisor to Verify – Menu – HCAAC/CLOSE; Function – V – Verify.
(6) Print the Pass Book (Menu: HPBP). Take aquittance and Pay the amount to the Depositor.
(B) SB Dormant (Silent) A/c Closure
(1) The account status to be modified to Live before closing it (Menu: CASBAM). Change SB
account status from Dormant to Live. Supervisor to Verify – Menu – CASBAM.
(2) Then follow SB Alive A/c Closure procedure.
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(C) PPF Closure (without loan)
(1) Invoke HCAAC menu. Interest for current financial year will be calculated and posted in the
PPF account. System generated transaction ID will be created. Note Trans ID.
(2) Supervisor has to verify the account closure using HCAAC menu.
(3) If the Tran ID (generated in step (1)) is in Entered state, then the error message ‘Pending
verification exists for the account’ will be displayed. (Tran ID if not noted use HFTI to get it).
(4) Then In Counter PA login, in HTM – Modify option, this Tran ID is to be posted.
(5) In Supervisor login, in HTM, this Tran ID is to be verified.
(6) Then in HCAAC menu, the closure has to be verified by Supervisor.
(7) Print the Pass Book (HPBP) and pay the amount to the Depositor.
(D) PPF Closure (with loan)
(1) Repayment loan using CPDTM menu in Counter PA login.
(2) Supervisor has to verify the transaction in CPDTM menu.
(3) CLPR menu (PROCESS) has to be invoked by Supervisor for processing loan account.
(4) Then, invoke menu HACINT to calculate and post PPF loan account interest.
(5) Menu CPWTM. Loan interest has to be paid, if the PPF account is not matured. Loan interest
has to be recovered, if the PPF account is matured.
(6) Invoke HCAAC in Counter login to close PPF loan account.
(7) Supervisor to verify PPF loan account closure (Menu: HCAAC)
(8) To close PPF account, follow the procedure for closure of PPF account without loan.
RD Maturity Closure without RD Loan (See Brief menu operation for details for different closure.)
1. Menu CRDCAAC / RDACLM. Perform Trial Closure; Function – L – Trial Close.
2. If Trial is perfect, go for Final Closure. Menu CRDCAAC / RDACLM. Function – Z – Close.
3. Supervisor to Verify – Menu - CRDCAAC/RDACLM; Function – V – Verify.
Maturity Closure with RD Loan
1. First Loan to be repaid. Menu HPAYOFF - Function – P - Pay off Loan Amount (Do not take final RD
Loan repayment in HLAUPAY / HLASPAY. Interest will not be calculated).
2. Supervisor To Verify – Menu – HPAYOFF – Function – V-Verify
3. Close RD Loan A/c. Menu CAACLA - Function – Z – Close.
4. Supervisor To Verify – Menu – CAACLA – Function – V-Verify.
5. Then follow the procedure for Maturity Closure without RD Loan.
In both the above cases including discontinued RD A/cs which are closed after completion of five
years, RD Loan interest will be calculated at the rate applicable on the date of loan disbursement.
Premature Closure of RD A/c where loan is outstanding
1. First loan to be repaid, Loan A/c to be closed and then RD PMC can be done. But better -
2. Close directly. Menu CRDCAAC. Function – Z – Close. System automatically deducts RD Loan
amount and calculates interest on SB Rate of interest. RD Loan balance becomes 0 but account
will not be closed. Supervisor to Verify – Menu - CRDCAAC/RDACLM; Function – V – Verify.
Premature Closure of RD A/c without loan
1. Invoke menu CRDCAAC / RDACLM. Function – Z – Close. Exception may be displayed.
2. Accept the exception and close. (Be careful while doing PMC).
Premature Closure within 3 years: with in the lock in period a supervisor to create the transaction and
another supervisor or postmaster to verify. See Brief menu operation for details.
TD/MIS Pay out interest due if any. Then perform Trial Closure (HCAACTD). Show the same to the depositor.
/ SCSS On confirmation, perform actual closure (Menu: TD/MIS- HCAACTD / TDACTCL; SCSS- HCAACTD).
(See Auto extended TD A/cs: There should not be any penal interest (lessening / deduction of Interest
Brief rate), if the depositor closes the A/c before completion of extended period. But interest will be paid
menu as specified under rule 7 (rate of interest), for the completed years not exceeding the period for which
operati the deposit was made (extended). E.g. (1) Extended for 3yrs, but kept for 5yrs. 3yr TD interest will be
on) paid for 03yrs & PMI for 02yrs. (2) Extended for 1yrs, but closes before it. No penal deduction.
(For premature closure see Account Closure - Death Claim)
Irregular Obtain permission from appropriate authority. Transfer to Exceptional scheme code of the concerned
A/c scheme. Then perform closure. Process differs for schemes. (See Brief menu operation for details.)
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Closure payment by Cheque at S.Os having no cheque drawing power: Consequent upon restriction in use of
office A/c 0340 (Postmaster’s cheque a/c), all kinds of closure value beyond cash limit should proceed to
customer’s Savings A/c. “However, in case of extreme exigencies like a Bank or any Institution presenting
Certificates after forfeiting security, any depositor becomes NRI after investment and now wants to take maturity
value only, the claim case where there are multiple nominees/legal heirs or any other case where Postmaster /Sub
Postmaster is satisfied that depositor is genuinely not in a position to open Savings A/c immediately may issue
cheque for the maturity/pre-maturity value”. To issue cheque following steps need to be followed.
“S.O. may perform closure, but must not verify. View amount to pay. Accordingly do cheque requisition.
On receipt of cheque, A/c is to be verified. It will come in the LOT on the day of verification.”
The above is also applicable to death claim closure.
 Account Closure (All schemes) - Death Claim – (Menu Operations are given in respective schemes) - &
Closure Value Date
Death Claim Closures are regulated as per POSB Revised Rule 87 of POSB Manual Vol-I and Rule 50 of POSB
Manual Vol-II, SB Order Nos.25/2010, 2/2011(Clarification to 25/2010), 21/2011, 8/2014, 4/2015, 7/2015,
12/215, 15/2015, 17/2015.
All payments of deceased claim cases will be paid by crossed cheque or credit to Savings Account only (SB Order
No. 25/2010,8/2014 & 7/2015). The payment procedure is further modified by SB Order No. 12/215, 15/2015,
17/2015 such as “The value should be credited to the Post Office Savings Account of the Legal Heir/ Nominee in all
CBS Post Offices. Nominee/legal heirs should be requested to mention Savings Account Number on the receipt
side of SB7/SB7A or Certificates. The claim case where there are multiple nominees/legal heirs or any other case
where Postmaster /Sub Postmaster is satisfied that depositor is genuinely not in a position to open savings account
immediately may issue cheque for the maturity/prematurity value.”
POSB Schemes / Accounts that can be continued/converted & a/cs that can be closed after death of depositor.
1. Joint A/c: Surviving Joint A/c holder(s) within the prescribed limit.
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2. Single A/c: By nominee(s) for KVP, NSC 8 , NSC 9 , RD, SCSS, and TD.
3. SB Pension A/c can be converted to name of spouse getting family pension.
4. PPF, SSA, Single MIS & Single SB A/cs has to be closed. No other option.
5. For MIS, in case of death of depositor before maturity, account may be closed and deposit is to be
refunded along with interest up to the month preceding the month of in which refund is made.
Closure value dates are explained in FAQ dated 04.10.2014 for death claim.
Opinion of CBS CPC Odisha: Closure value date for Normal Closure & death claim Closure may be as per the
following table.
Closure value date for
Scheme Normal Closure Death claim Remarks
SB Date of closure Date of closure Deposit is to be refunded along with interest
up to the month preceding the month of in
which refund/closure is made.
RD Date of closure Date of closure Maturity / PMC value will be as per the
prescribed table. Deposit is to be refunded
along with interest up to the month preceding
the month of in which refund/closure is
made.
RD Loan Date of closure Date of closure
MIS (For conversion Not applicable Date of death As interest is not payable on deposit in excess
to Single A/c & of INR.4.5Lakhs in single A/c. If paid any is to
Reduction of be recovered.
Principal)
MIS Date of closure Date of closure Deposit is to be refunded along with interest
up to the month preceding the month of in
which refund/closure is made.
PPF Date of closure Date of closure
PPF Loan Date of closure Date of closure
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SCSS (within lock in Not applicable Date of closure Finacle automatically takes date of death as
period of one year) closure value date, but it should not.
SCSS (after lock in Date of closure Date of closure Deposit is to be refunded along with interest
period) up to the month preceding the month of in
which refund/closure is made. This is also
applicable for death claim closure within lock
in period of one year.
TD Date of closure previous E.g. 5year TD opened on 5-3-2010. Depositor
completed year dies on 18-07-2013. Death claim closure done
of TD tenure on 25-10-2013 (after 3 years, 7 months and
20 days). Completed year of the TD tenure as
on date of death is 3 years. The closure value
date is 5-3-2013.
KVP (Old) Date of closure Date of death
KVP (New 2014) Date of closure Date of death
NSC Date of closure Date of death Maturity / PMC value will be as per the
prescribed table i.e. Face value plus amount
of interest accrued up to the last completed
year or half year as the case may be, prior to
the death of the holder.
Scheme Sequential workflow / steps of Death Claim Closure (Also See Brief Menu operation for details)
Common Manual process of claim cases needs to be completed. All the nominees or legal heirs have to come
for all together to claim amount as there is no provision to keep the amount in the account for the
schemes nominee or legal heir who does not claim along with other ones.
Penal interest/penal fee, is not to be collected and user can select penal interest as NO during the
account closure. Reason code, “DTCLM-death claim” should be selected. Mode of repayment is
"Transfer" only and "Cash" mode is not allowed.
1. Modify the CIF (Menu-CMRC). Function- M-Modify → Give CIF ID →Go → In Customer Status
select “Deceased” →Give Date of Death → Submit. On giving death information CIF will be
changed from Active to Deceased. For other SOL claim closure see “Inter SOL Transactions”.
2. Supervisor to verify – Menu CMRC / CIFMD; Function –V-Verify.
CC : (KVP / 3. Invoke closure Menu (CSCCAAC / NSCAC). Select Z-Close → ……. closure value date will be date
NSC) of death ….. See Menu operation for details. Supervisor to verify – Menu: CSCCAAC / NSCAC.
PPF & SB PPF:- 3. Pre-mature or matured closure (To be initiated by Supervisor) Menu: HCAAC / CLOSE.
(See Brief PPF:- 4. Another Supervisor to verify – Menu: HCAAC / CLOSE; Function –V-Verify
Menu (PPF claim closure is to be done at the PO having more than one Supervisor preferably at HO)
operation SB: 3. No pre-mature closure. All are normal closure (Menu: HCAAC / CLOSE).
for details) SB: 4. Supervisor to verify – Menu: HCAAC / CLOSE; Function –V-Verify.
RD RD Closure procedure to be adopted as explained above.
TD/MIS TD/MIS: 3. Pre-mature or matured closure, invoke Menu-HCAACTD / TDACTCL.
(See Brief For Pre-mature TD claim closure, the closure value date should be previous completed year of TD
Menu tenure. E.g. 5year TD opened on 5-3-2010. Depositor dies on 18-07-2013. Death claim closure done
operation on 25-10-2013 (after 3 years, 7 months and 20 days). Completed year of the TD tenure as on date of
for details) death is 3 years. The closure value date is 5-3-2013. (Also same for normal Pre-mature closure).
TD/MIS: 4. Supervisor to verify – Menu: HCAACVTD / TDACTCLV; Function –V-Verify.
SCSS SCSS: 3. If pre-mature closure, to be initiated by Supervisor (Menu- HINTTM), give SCSS A/c No.&
choose SBRATE giving start date as Date of death. Another Supervisor to verify (Menu- HINTTM).
(SCSS claim closure is to be done at the PO having more than one Supervisor preferably at HO)
SCSS: 4. Then, invoke closure Menu- HCAACTD & perform closure. If SCSS A/c is matured one, step-
3 is not required. Supervisor to verify – Menu: HCAACVTD.
N.B.: Withdrawal / closure other than SB, If paid by cash (below 20000/-) run HCASHPND for adjustment of cash
(Debit – Repayment placeholder a/c / Sundry a/c placeholder; Credit - Teller A/C) & Supervisor to verify in HTM.
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Death claim sanctioning power (Amount in INR) of different authorities (SB Order No. 25/2010, 02/2011)
Authorities With With legal Without legal evidence
Nomination evidence / Nomination
SB SC SB SC SB SC
Time Scale SPM 1000 Full 1000 1000 1000 1000
SPM in LSG (norm based) 2000 Full 2000 Full 2000 2000
SPM/DPM/PM in HSG (all non Gazetted) Full Full Full Full 5000 5000
DPM/Sr.PM / Dy. Chief PM / SPO’s (all Gazetted Gr-B) Full Full Full Full 20000 20000
Chief Postmasters in HO/SSPO’s (all Gazetted Gr-A) Full Full Full Full 50000 50000
Regional Director/ Director GPO (Mumbai & Kolkata) Full Full Full Full 75000 75000
Chief Postmaster General / Postmaster General 100000 100000
SB A/c: In cases where there is nomination or legal evidence and the amount exceeds the powers of the Time Scale
S.P.M or LSG/HSG SPMs, the claim shall be sanctioned by the Head Postmaster concerned after necessary scrutiny
of the documents to whom such cases will be referred by the sub postmaster.
RD, MIS & SCSS deceased claim cases (SB Order No. 14/2009 Dt.25.11.2009, 14-A/2009 Dt.02.02.2010 & 25/2010
Dt.23.12.2010)
RD, MIS : The power of sanction of deceased claim cases of RD and MIS accounts where nomination is
registered in the Sub Post Office has been delegated to all SPMs except Single and Double handed offices
irrespective of the amount at credit in the accounts with effective from 1.12.2009. In case of RD/MIS, all SPMs
except those posted in single and double handed post offices can sanction claims irrespective of any balance if
nomination is registered in their office.
SCSS: In case of SCSS accounts, all SPMs are authorized to sanction deceased claim cases where nomination is
registered irrespective of the amount involved. In SCSS, all SPMs can sanction claims irrespective of the amount in
balance if nomination is registered.
Claims relating to Savings Bank Accounts and Savings Certificates shall be treated as separate and the
prescribed limit shall be applied separately for each account or purchase application. Without the production of
legal evidence at the discretion of sanctioning authority up to the limit fixed by Min. of Finance which is Rs.
1,00,000/- at present. If the claim exceeds the prescribed limit which is now Rs. 1,00,000/-, the claimant should be
advised to obtain a succession certificate from a competent court of law or produce the probate of a will or letters
of Administration of Estate of the deceased.
 Account Extension / Redeposit /Reinvestment /Renewal (All schemes)

(a) Command / Menu: Account Extension
Work Item / Purpose Operator Menu Supervisor Verify (V) /
Transaction (T) Menu
A/c Extension/Redeposit/Reinvestment/Renewal Menu Type
1 Extension of PPF for next 05 years HCEXTN HCEXTN V
2 Extension of RD for next 05 years HPRDCM/PRDCM HPRDCM V
3 Extension (Deferment) of RD maturity date PMDDRD PMDDRD V
4 Re-deposit/ Renewal of TD TDRED / HTDREN HTDREN V
5 Extension of SCSS for next 03 years HTDREN HTDREN V
 Account Extension/Redeposit/Renewal/Reinvestment (All schemes)– Brief Procedures (see respective schemes)

Scheme Sequential workflow / steps of extension (Also See Brief Menu operation for details)
Extension Extension / Renewal are available for PPF, RD, TD & SCSS. Agent commission is allowed only for RD
/ Renewal continued with fresh deposit and such deposits are made by MPKBY / PRSS Agent.
PPF On maturity, depositor at his liberty may extend the PPF A/c for a block period of 05 years at a time
subject to maximum 03 blocks (15years) i.e. a PPF A/c can be made operational for maximum 30 years
(15+5+5+5=30years). Menu – HCEXTN. Supervisor to verify Menu – HCEXTN / PPFAEXT.
RD Extension of RD in Finacle is automatic on the day of maturity. On the day of maturity, during EOD,
eligible RD accounts where 60 months installments are deposited will be extended for a further period
of 60 months. During extension, depositor at his liberty may continue with or without fresh deposit
and may close the A/c at any time if there is no advance deposit. If any account is missed, it can also
be extended manually using PRDCM menu. Supervisor to verify – Menu- HPRDCM.
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Deferment of RD maturity date: Customer has the liberty to have maximum of 4 defaults on the day
of maturity. In this situation, Maturity date of RD can be deferred equivalent to the number of
defaults. Finacle extends the maturity date for one month automatically. Extension for more than one
month & maximum up to four months is to be done manually. (Menu PMDDRD -Maturity Date
Deferment for Recurring Deposit). During the deferred period, defaults deposits can be paid without
default fee. Supervisor to verify with same menu.
TD Redeposit / Renewal (Not allowed through Agent) of TD in Finacle is automatic on the day of
maturity for principal amount only and for the same period as original (e.g.: 1yr TD as 1 Yr TD; 5yr TD
as 5yr TD). If any account is missed, it can also be extended manually using menu TDRED / HTDREN.
Supervisor to verify Manual extension – Menu- HTDREN.
SCSS On maturity, depositor at his liberty may extend the SCSS A/c for a further period of 03 years. Such
extension should be done within 01year from the date of maturity for principal amount only. Menu-
HTDREN. Function R-Renewal. Supervisor to verify with same menu.
Re- It means that maturity value of a scheme to be re-invested in any of the TDA type POSB schemes
investment (Certificate / MIS / TD / SCSS). To re-invest, in addition to closure documents, the depositor needs to
(Also fill re-investment form (SB Order No.24/2010) or write details on the receipt side of closure form and
allowed AOF, if required (Ref. Scenario-14 of SB Order No.07/2015 for details. The same is reproduced in
through short under Inter SOL Transaction Module). Uses of Office Account 0387 for re-investment has been
Agent) discontinued vide SB Order No.07/2015 dated 18.06.2015. No re-investment should be accepted if
customer does not have a Savings Account in a CBS Post Office or customer is not ready to open new
savings account, in such a case, payment should be made by Postmaster Cheque only.
Closure of the A/c to be performed and the total maturity value + interest should be credited/
deposited to customer’s Savings Account from where re-investment to be made.
Procedure of Reinvestment:
(a) Customer should be asked if he/she has a Savings Account in any CBS Post Office. If yes, then signature in that
account available in the system should be tallied with the signature on the Closure Form or Certificate & if not,
customer should be asked to open new Savings Account under the same CIF (fresh KYC documents and Form
should be taken if account/certificate matured belong to pre-migration period). Customer should write on the
receipt side of the Account Closure Form or Certificate, the amount to be re-invested, name of scheme and
Savings Account number under his/her signatures (OR fill re-investment form as per SB Order No.24/2010).
(b) If new AOF is presented for re-investment, under the filed "Mode of Deposit", he/she has to write Savings A/c
No. No separate withdrawal form is required.
(c) This transaction has to be treated as non-cash transaction for the purpose of eligibility of commission to agents
(if AOF contains detail of agent). Once Postmaster/Sub Postmaster is sure about genuineness of the depositor
(from signatures/ photograph/ any other identification), total maturity value + interest should be credited into
that Savings Account and then amount to be re-invested should be debited/withdrawn (transfer transaction)
from this Savings Account and credited/deposited in the concerned new account while funding.
 Account Transfer (All schemes) – Brief Procedure (for Menus see respective schemes)
Transfer of account from CBS Post Office to Non-CBS Post Office and vice versa is not allowed. Before issue of AT,
list of CBS Offices should be consulted from DMCC Chennai website and if that post office is already in the list of
CBS Post Offrces, AT should not be issued. Account holder should be advised accordingly.
 Advice of Transfer (AT) issued by a non CBS HO (for SOSB) received at CBS HO or SO.
All the H.Os in Department of Posts have since been migrated to CBS, issue of AT for HOSB does not arise. There is
possibility of issuance of AT from SOSB. A/c Holder should be contacted and requested to provide name of any
nearby non CBS Post Office for opening of a/c. On getting information, a/c will be opened on transfer in that office.
 An account holder applies for transfer of account to any other HO or SO at CBS or Non CBS Post Office.
Postmaster or Sub Postmaster of SO/HO where transfer of account is applied will go to DMCC Chennai website to
see list of CBS Post Offices and confirm that post office to which transfer is applied is not a CBS Post Office. If SO is
completely manual and unable to see the list, it will be the duty of HO that before issue of AT, list should be
consulted and if that post office is already in the list of CBS Post Offices, AT should not be issued. Account holder
should be contacted and asked to submit name of any nearby non CBS post office.
 Inter CBS Post office Transfer: There is no need of transfer within Inter CBS Post office. For details of Inter
CBS Post office Transactions (INTERSOL TRANSACTIONS) see module “Other Office Transactions”.
 PPF can be transferred in / out to & from Non-CBS PO (Stopped vide SB Order No.7/2015) or Bank.
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 Agent Portal (Business, Commission & Management)
(b) Command / Menu: Agent Portal
Agent Portal Menu Type
1 Create Direct State Agent (DSA) ID / DS Agents HDSAMM HDSAMM V
Master Maintenance
2 DSA Parameter Setup HDSAPM HDSAPM V
3 Agent Inquiry HDSAIP ----
4 Agent Transactions - Agent Bulk Posting Menu HAGTXP / RDAGBP HAGTXP V
5 View / Modify attachment of Agent to RD a/c CRDACM CRDACM V
6 Posting Bulk PRSS Agent list HAGTXP/ CPAGTXP HAGTXP/CPAGTXP V
Important:-
1. In Post Office scenario, there are three types of agents under Standardised Agency System (SAS) (1) SAS –
authorized to perform business in CCs/ MIS/ PPF / SCSS / TD; (2) MPKBY - authorized to perform business of
RD only & only women are allowed for this agency; (3) PRSS Agent - authorized to perform business of RD
only for employees of different institutions. Besides above, any authorized employee of an institution may
perform business of RD only for employees of that institution and is called as PRSS leader.
2. In Finacle the above said agents are called as Direct Sales Agent (DSA).
3. Copy of Document / Information to be obtained from Agents (for New ID creation / Renewal) – Authority
letter, PAN Card, KYC compliant CBS SB A/c No.(Single A/c), DSA ID (MIG Code in case of renewal).
4. A MPKBY list should contain maximum of 50 RD accounts or it should not exceed Rs.20,000/- if paid in cash
whichever is applicable. RD loan repayment is not allowed to be made through Agent Portal. The same has to
be done across the counter. PRSS List can contain maximum 500 RD accounts. One cheque is used for one e-
banking reference. One cheque must not be used for more than one e-banking reference by MPKBY Agent.
Agent linked accounts cannot be paid across the counter until the same is reversed.
5. In the present scenario Agent (SAS & MPKBY) can perform business in the SOL (CBS Offices) to which he is
attached. He/She should not perform business in any other SOL (CBS Offices). The Agents (SAS & MPKBY)
may be guided suitably and advised to perform business in the SOL (CBS Offices) to which he is attached.
 Agent Portal – Brief Menu Operations

Creation of Agent on HDSAMM  Before creation of DSA ID ensure that the Agent has CIF with PAN & Savings A/c
Finacle. (It is better in Finacle. Else open & verify. PAN will be fetched from CIF.
to use Function- C-  Function – Add →DSA ID – to be given by post office – Note the ID on the
Copy instead of Add, Never Authority letter (Do not give space, dot or any special character) →Click on Go
selecting appropriate select → (Fill data for General tab) - DSA Name →Address → License No. (special
SOURCE DSA ID. KVP. character not allowed) → DSA Turnover Frequency – Select Daily →Next
Target DSA ID to be Turnover date – 31/12/2099 →Commission Credit A/c ID – DSA SB A/c → Tax
entered by the Code (mandatory) – TDSAG →Click on Expand Arrow to expand the page →
operator & required Agent Type – Select appropriate one from Searcher → License Expiry Date →
modifications to be Set ID – Give your SOL ID → Click & Fill data on Product Tab → Scheme Code –
done). Select from searcher (e.g.: For MPKBY/PRSS: RDIPN; For SAS: MISN1, KVP New:
KVN3, KVN4, KVN5, KVN6; NSC8th Issue:NSC81, NSC82, NSC83, NSC84, NSC85;
TD: TD1,TD2,TD3,TD5) – select one & fill the data in the following fields – Fill
data in: Pay commission=Yes; Subvention Reversal Credit Placeholder A/c –
45089000 ; Payment Frequency – Daily; Holiday – N; Next commission date –
31/12/2099 (on completion of one record-one scheme code click on Add to
add next scheme code. After filling last record do not click on Add) → Click on
Submit → OK.
 Supervisor to verify giving DSA ID – Menu – HDSAMM; Function – V – Verify.
 If any scheme code is left or not added due to some reason, modify the DSA ID
and add the left out scheme code.
 The DSA ID is to be communicated to the Agent concerned. For MPKBY Agent
the DSA ID with details of MPKBY Agent is to be emailed to CPC for allotment of
e-banking password for preparation of RD schedule using internet.
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Modify / Renewal of HDSAMM  Function –M-Modify →DSA ID →Go → Click on General Tab → Perform
Agent required modification → For renewal modify the License date.
 . Supervisor to verify – Menu – HDSAMM.
If error comes “unverified A/c exists”, then do as under.
 Function –I-Inquiry →DSA ID →Go → Click on Inquiry Tab → Select Related A/c
inquiry → From Scheme code (scheme for which error was displayed in Modify
screen) → V-Verify – No → Go (Displays the unverified A/c exists under the
DSA ID). Act accordingly (e.g. Verify or Cancel).
Linking Agent ID to  SB- CASBAO / QDESA,  Agent / Employee Code New A/c can be opened
new A/c at the time  RD– CRDOAAC / RDAOCM, – Click on Agent Radio through Agent for
of Opening of A/c  TD/MIS – CMISAOP / MISAO, Button →Select Code Schemes: MIS, PPF, RD,
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 SCSS- CSCAOP / SCSSAO from the List →Click on SCSS, TD, KVP & NSC (8
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Linking Agent ID to  SB – CASBAM / QDEMSA, Submit to Verify (For & 9 Issue).
Existing A/c after a/c  RD - CRDACM / RDAMM, old A/c - Function: M- Subsequent deposits can
is opened  TD/MIS – CMISAM/MISAMAV, Modify) be done through Agent
 SCSS - CSCAM / SCSSMAV  Supervisor to verify – for Schemes: PPF & RD.
Function – V – Verify
 MPKBY Agent RD Transactions – Brief Menu Operations

Initiating  User Name →User Login P/w →Accounts →Agent Enquire & Update Screen →Select an
Transaction account in which transaction is to be done → (Multiple accounts can also be selected) →
through Agent Select Mode – Cash or DOP Cheque (POSB Cheque) or Non DOP Cheque (Bank Cheque)
Portal by MPKBY →Save →Click on Radio Button against which transaction is to be done →No. of Installments
Agent / Super →Click on Get Rebate & Default Fee →Save →Repeat process for all accounts selected
Agent →Enter cheque details if DOP or Non DOP cheque mode is selected →Pay all saved
(RD A/cs) Installments. Note Reference No.
N.B.: One E-Banking Ref. No.(list) should not contain (1) Cash & Cheque both; (2) More than
one cheque (3) Total value more than Rs.20000/- in cash (4) Total RD A/cs more than 50.
Generate Report  Reports →From Date →To Date →List Reference No. – Give Payment Reference No. →Status
– Success. Search →PDF File – OK →Save or Print the report →Sign Out
Initiating  User Name →User Login P/w →Click on Agents →Select Agent →Click on Fetch Accounts
Transaction →Select an account in which transaction is to be done →You can select multiple accounts also
through Agent → Select Mode – Cash or DOP Cheque or Non DOP Cheque →Save →Click on Radio Button
Portal by Super against which transaction is to be done →No. of Installments →Click on Get Rebate & Default
Agent Fee →Save →Repeat process for all accounts selected →Enter cheque details if DOP or Non
DOP cheque mode is selected →Pay all saved Installments. Note Payment Reference No. →
Generate Report →Sign Out.
Posting the HAGTXP  Function – M – Modify → Agent ID – Give MPKBY Agent ID of Finacle → E-
reference no. in banking ref No. – Give ref no. from the agent’s report → Go →Tally the screen
Finacle figure with printed list → Post. (No need to debit office A/c 0017 or 0382). Use
of office A/c 0017 or 0382 is discontinued from 01.01.2016.
 Supervisor to verify – Menu – HAGTXP; Function – V – Verify by giving Agent ID
& E-banking ref No.
 Menu - HPR →Transaction status report
On accepting the MPKBY Agent RD list by Counter PA, the commission is credited to Agent’s commission paid SB
A/c and TDS is credited to specific office A/c (a system A/c). Counter PA is advised to verify Agent’s commission
paid SB A/c to ensure that commission is credited at par with list. Any discrepancy to be brought to the notice of
Supervisor who can verify the list with care. If required, refund the amount to agent for fresh preparation of e-
banking list.
 SAS Agent for CC/MIS/PPF/TD/SCSS – Brief Menu Operations

 Besides MPKBY Agent, there are Agents under SAS who brings business on CC/MIS/PPF/TD/SCSS A/cs and get
commission paid on completion of transaction. The commission is credited to Agent’s commission paid SB A/c and
TDS is credited to specific office A/c (a system A/c).
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Reversal of excess commission & TDS
Due to various reasons in real scenario, the agent commission is paid excess resulting excess TDS also. Such as
 Account is opened with a wrong agent name / ID or wrong deposit amount or wrong date of opening.
 In A/c open, clicking on Submit more than once when System is unresponsive.
For reversal, identify the Transaction IDs from Agent’s commission paid SB A/c by clicking on transaction date. Note
the Transaction IDs & amount and inquire in HFTI. It will be seen that
1. First transaction SOLID+0251(system commission account) shows total commission -a debit transaction(D)
2. Second transaction agent SB account credited commission (after TDS) - a credit transaction(C)
3. Third transaction SOLID+321(system TDS account) shows TDS amount –a credit transaction.(C)
As two are system A/c, reversal cannot be done directly. Keep the screen shot of error screen of HFTI. Complete the
verification. The send the error screen to CBS-CEPT / CEPT-FSI Team, Chennai to make the said system accounts to
convert as Non System accounts. On receipt of approval, use HTM, Trans type: Customer induced and do the
reversal as under.
1. First select credit, give A/c ID as SOLID+0251, amount as noted - this is a credit transaction(C)
2. Then click on Add, select debit, give agent SB account, amount - this is a debit transaction (D)
3. Then again click on Add, select debit, give A/c ID as SOLID+0321, amount - this is a debit transaction(D)
4. Then finally click on Post, note the transaction id and verify the same in Supervisor login in HTM.
5. On successful reversal, intimate CBS-CEPT / CEPT-FSI Team, Chennai to make the same as system
accounts. On confirmation, EOD can be started.
Changing Agent Commission A/c: Normally it should not change. If requires due to unavoidable circumstances,
do as follows: Change the A/c in HDSAMM. Verify it. Then accept transaction and give correct DSA ID. Then only
the commission will be credited to new (modified) SB A/c.
TDS on commission @10% to be deducted from 01.06.2007 (SB Order No. 3/2007), there will be no surcharge &
education cess from 01.04.2010 (SB Order No. 11/2010).
Percentage of Agent (SAS / MPKBY / PRSS Group Leader) Commission

From Date SB Order No. SSA PPF & MIS, KVP (from RD - MPKBY RD - PRSS Gr.
SCSS NSC, TD 17.11.2014) Leader
01.12.2011 29 & 32/2011 Agent Not Nil 0.50 0.50 4.00 2.5*
15.07.2015 08/2015 allowed Same as above 1.00 Same as above Same as above
Cash (in INR) limit of Agent (SAS / MPKBY / PRSS Group Leader) in one schedule / Receipt
From Date SB Order PPF & SCSS MIS, KVP (from RD - RD - PRSS Cheque Re-
No. NSC, TD 17.11.2014) MPKBY Gr. Leader investment
01.12.2011 * No Cash for 10000/- 10000/- 50Nos. or 500Nos. No limit By Transfer
* PPF. SCSS- 10000/- No limit
10000/-
01.07.2015 08/2015 No Cash for 20000/- 20000/- 20000/- Same as No limit By Transfer
PPF. SCSS- above No limit
20000/-
* Exact date & SB Order No. not known. 01.12.2011 is taken as base.
Percentage of Commission to GDS BPM for TD Opening (Dte letter No. 48-2l88-SB dated 21 .02. 1989 & SB Order
No.07/2013)
1 Year Time Deposit 0.5
2 & 3 Year Time Deposit 1.00
5 Year Time Deposit 2.00
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 Atal Pension Yojana (APY)
(a) Command / Menu: Atal Pension Yojana (APY)
Work Item / Purpose Operator Supervisor Verify (V) /
Menu Transaction (T) Menu
Menu Type
1 Verification of signature IES ---- T
2 New CIF creation CCRC CCRC V
3 Modification of existing CIF CMRC CMRC V
4 New Savings A/c opening CASBAO CASBAV V
5 Existing Savings A/c Modification CASBAM CASBAM V
6 Balance inquiry HACLI HACLI T
7 A/c type inquiry HACCDET HACCDET T
8 Data entry for APY CAPY CAPY V
Some Important Tips & Salient Features of APY

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

16. First Contribution amount (as per table) will be deducted from the Savings Account Balance on the day of
successful registration.
17. For, subsequent contribution, the Savings Account Holder should be pursued to maintain balance (minimum
balance+ Contribution amount as per table) in his/her Savings Account. The contribution for APY will be
debited from the subscriber Savings Account based on the Standing Instruction provided by the subscriber in
APY Subscriber Registration Form.
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SI option Monthly Quarterly Half Yearly
Deduction time every month the first month of a quarter first month of the Half Year
Refer prescribed table for contribution rate.
18. If sufficient balance will not be available in Savings Account in the required month, penalty fee will (@Rs.1/- per
Rs.100/- contribution per month) will be added to the amount of contribution be charged and deducted from
the Savings Account.
19. Amount deducted for the new registration will be shown in the SB LOT and SB Consolidation as withdrawal in
the CBS HO where entry is made.
20. The PA can view/print the prescribed report from Finacle and show the total amount in credit side in SB Cash
under head APY to tally the accounts.
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21. For subsequent deposits, an Auto Debit batch will run from 1 January 2016 at all CBS Offices on daily basis
which will deduct the required amount from Savings Account of the subscriber (as and when balance is there in
the account). This amount will not be included in the SB LOT and Consolidation of the SOL where account
stands, instead it will be included in the SB LOT (inter branch) and SB Consolidation of Sansad Marg HO. This
amount debited from Savings Accounts through batch will be accounted at Sansad Marg HO. A report has been
configured in HFINRPT which will show the account numbers from which amount is debited. This Auto Credit
report need to be generated by CBS Offices on regular basis and this amount should not be accounted in the SB
Withdrawal and APY Deposit.
22. If any customer wants ledger copy of the APY Account, CPA has to go the NSDL Web Site and generate the
same. This can be saved in the desktop and print out can be given to customer free of cost.
Activities are to be undertaken at different level

23. Activities are to be undertaken at Post Office level
 Acceptance of Subscriber Registration Application and issuance of acknowledgement.
 Capturing of minimum registration details in APY Module.
 Accounting of subscription amount & preservation of Registration Form.
 Handle requests for the subscribers such as Subscriber Details Modification, Issuance of Transaction Statement
to the subscriber (based on request received). If any customer wants ledger copy of the APY Account, CPA has
to go the NSDL Web Site and generate the same. This can be saved in the desktop and print out can be given to
customer free of cost.
 Resolve the grievances/queries of the subscribers, if any
24. Activities are to be undertaken at Nodal Office level

 Download of PRAN Library from CRA system and updating in APY Module
 Preparation &Upload of Subscriber Registration details in the CRA system
 Receiving Response File from CRA system for Subscriber Registration
 Upload Subscriber Contribution File (SCF) in the CRA system
 Remit the contribution amount to the Trustee Bank as per the SCF uploaded in the CRA system
25. Activities are to be carried out at authorized CBS Post Offices

 Counter PA or Designated PA (CPA) at CBS Post Office will receive Subscriber Registration Forms for APY or
Subscriber Registration Form of Swavalamban Yjana Subscribers either at the Counter or from other Postal
Officials. Before doing data entry into the Finacle menu CAPY, CPA needs to verify & ensure the following.
 CBS Post Offices are being registered as NLCC for accepting subscription to APY.
 Ensure that the Savings Account holder or Indian Citizen who wants to open new savings account for this
purpose has already completed 18 Years of Age but not yet completed 40 years of Age (as per Date of Birth
mentioned in any of the KYC Documents showing date of birth).
 Ensure that account stands in any CBS Post Office i.e SO or HO (not in BOs attached to CBS SO or HO).
 If subscriber has no Savings A/c and he wants to open a new for the purpose, then open new Savings A/c
following the prescribed procedure.
 Ensure that required balance is available in concerned Savings A/c of the subscriber as first Contribution
amount (as per table) will be deducted from the Savings Account Balance on the day of successful registration.
 Verify type of A/c (Joint-A or Joint-B). All account holders of Joint 'B' account can apply for registration with
same Savings Account number. Account holders of Joint A' type of account are not eligible for registration
through same Savings Account. In case any of the joint account holder of a Joint 'A' type of Savings Account
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applies for registration, CPA, in addition to Account number, has to enter CIF ID of the account holder also who
wants to enroll for APY.
 Invoke IES menu and verify signatures on the Form (if depositor is literate) and tally signatures with signatures
in Finacle. If signatures are tallied, Data entry in Finacle menu CAPY can be done after carefully examination of
the Subscriber Registration Form.
 Counter PA has to very carefully examine the Subscriber Registration Form and ensure that all the mandatory
fields, other required fields and “To be filled by the official who collects form” part of the form are filled in
properly.
 If Form is received through a Postal Official who has already filled details for becoming eligible for incentive,
the Counter PA or BPM has to countersign the Form with name, designation, office of posting and HO from
where pay is drawn to become eligible for incentive of their part.
 If any of the mandatory field is not auto-populated or date of birth is populated as 1.7.1960 and Gender as
OTHERS in Finacle, PA has to modify the CIF using CMRC (CIF modification is an non-financial transaction.
Hence its modification at other SOL is restricted. For details refer the topic CIF and Other SOL Transactions).
 However the menu operations in CBS Finacle are as under.
26. Data entry in CBS Finacle – Proper editing of some important fields
 Invoke CAPY menu. Enter Account Number and CIF ID (in case of Joint Account) to get all required fields Auto-
Populated.
 If any of the mandatory field is not auto-populated or date of birth is populated as 1.7.1960 and Gender as
OTHERS in Finacle, PA has to modify the CIF using CMRC. Correct the Date of Birth, Gender, enter Mobile
Number, E mail ID, Aadhar Number etc. and Supervisor has to verify the CIF Modification. (CIF modification is
an non-financial transaction. Hence its modification at other SOL is restricted. For details refer the topic CIF
and Other SOL Transactions)
 After correcting above invoke CAPY menu again. Account Number and CIF ID (in case of Joint Account) to get all
mandatory fields will be Auto-Populated. Correct data to be entered in relevant & correct field referring the
Subscribers Registration Form.
 Enter Spouse (husband or wife) name in the SPOUSE NAME field if married. In the field Nominee Name, name
of spouse has to be entered and in the field, Nominee Relationship, Wife or Husband has to be selected.
 Nomination is mandatory. Spouse is sole nominee for married persons. If subscriber is unmarried, he/she has
to fill nominee name and relationship in the form. The same has to be entered in relevant fields. Guardian's
name is mandatory if nominee is minor.
 Income Tax Payer Field is to be filled with "Yes" or "NO" which is applicable ("NO" is default).
 Select correct & appropriate amount of pension in the field "Pension Amount".
 Select correct & appropriate Frequency of Installment i.e. Monthly/Quarterly/Half Yearly in the relevant field.
Do not select the frequency of "Yearly" in the system.
 Based on selection, system will display the contribution. Customer/depositor may be told that this amount will
now be debited from his/her account and for subsequent period, he/she has to keep this amount in the savings
account over and above the minimum balance, else penalty @ INR.1/- per INR.100/- per month will imposed.
 "Beneficiary of other Social Security Scheme" field is to be filled with "Yes" or "NO" which is applicable ("NO" is
default).
 After entering all the data, click on "VALIDATE" button. If any mandatory field is still not filled or populated,
system will go to that field. Once system validate, then click on "SUBMIT" and handover the Form to Supervisor
for verification.
 Supervisor to invoke CAPY menu and select function "V-Verify". All the data fed by CPA will be displayed.
Supervisor should tally the data fed by CPA with the Form and click on Submit. At this time, contribution
amount will be debited from Savings Account and PRAN No. will be generated and added in the data.
 Supervisor will note down PRAN No. on the top of the form and sign in the portion "FOR OFFICE USE" and put
his/her designation stamp.
 CPA will again invoke CAPY menu and inquire with the account number. He/she can see all the data including
PRAN No. on the screen. CPA will fill the ACKNOWLEDGMENT portion of the Form from the data and place the
same before Supervisor for signature and stamp.
 CPA will cut the signed acknowledgment and hand over to the subscriber or who brought the form. In case of
BOs, Acknowledgment portion will be sent through BO Slip.
 Subscription Registration Form should be kept in the Guard File of A4 size and preserved with Supervisor.
 If Form presented is of Swavalamban Yojana Subscriber, User will click on the relevant field as YES and enter
PRAN number in the relevant field.
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Menu Operations of APY is almost same as PMJJBY & PMSBY.
 Atal Pension Yojana (APY) – Brief Menu Operations

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

1 Menu shortcut CAPY CPMY CPMY
2 Type Pension Insurance Insurance
3 Insurance / Pension Govt. of India Life Insurance National Insurance
provider Corporation of India Company Limited (NIC)
(LIC)
4 Insurance / Pension Rs. 1000, 2000, 3000, 4000 Rs.2 lakh Rs.2 lakh
coverage and 5000 per month
5 Premium payment Monthly / Quarterly / Half Annual Annual
frequency Yearly
6 Premium Amount vary as per the age and Rs,330/- Rs.12/-
pension amount opted
7 Renewal Premium Auto debited from Savings Insurant to deposit Insurant to deposit
payment process Accounts
st
8 1 Premium Amount Concerned CBS PO Concerned CBS PO Concerned CBS PO
will be accounted at
9 Renewal Premium will Sansad Marg HO of Delhi Concerned CBS PO Concerned CBS PO
be accounted at Circle
st st
10 Enrolment / Validity from 1 June or Date from 1 June or Date of
st st
period of Enrollment to 31 Enrollment to 31 May
May
Eligibility criteria
11 Citizen Indian Citizen Indian Citizen Indian Citizen
12 Holding of Account Savings A/c in CBS PO or Savings A/c in CBS PO Savings A/c in CBS PO or
(which A/c is ready to open new Savings or ready to open new ready to open new
mandatory for opting A/c in CBS PO Savings A/c in CBS PO Savings A/c in CBS PO
the scheme)
13 Age Completed 18 Years but Completed 18 Years Completed 18 Years but
not completed 40 years of but not completed not completed 50 years
Age 50 years
Minimum Balance in Savings A/c
14 Normal Non-CQ Rs.50/- + contribution Rs.380/- Rs.62/-
15 Cheque A/c Rs.500/- + contribution Rs.880/- Rs.512/-
16 Zero balance Account Contribution amount Rs.330/- Rs.12/-
(Basic Savings A/c)
17 Nodal Office Sansad Marg HO of Delhi Sansad Marg HO of Sansad Marg HO of Delhi
Circle Delhi Circle Circle
18 Preservation of At concerned CBS Office In HPO Office-wise and date wise in A4 size
Registration / Ring Binders along with list which will be
Enrollment Forms filed also in the same binder.
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 Cash Certificates: KVP / NSC
(a) Command / Menu: KVP/NSC
Work Item / Purpose Operator Menu
Supervisor Verify (V) /
Cash Certificates: KVP / NSC Menu Type
1 KVP/NSC Open Account CSCOAAC/ NSCAO CSCOAACV/NSCAOVF V
2 KVP/NSC New Account Modify before Verify CSCOAACM/NSCAMBV CSCOAACV / NSCAOVF V
3 KVP/NSC New Account Modify after Verify CSCACM / NSCAM CSCACM / NSCAM V
4 Printing KVP/NSC HDRP ----
5 Reprint KVP/NSC ---- HREDRP T
6 Duplicate certificate printing (In ---- HDUDRP T
Postmaster’s login only)
7 Correctness of the certificate allotment CSCACM / NSCAM CSCACM / NSCAM T
8 Trial Closure KVP/NSC Account wise HCAACTD ------ --
9 Final Closure KVP/NSC Account wise CSCCAAC / NSCAC CSCCAAC / NSCAC V
10 Closing (Encash) Bulk KVP/NSC by Regn. No. CNSBCV CNSBCV V
11 NSC Report HFINRPT HFINRPT T
12 Balance Inquiry of KVP HACLITD HACLITD T
13 To check the pledged status of KVP/NSC A/c HAFSM HAFSM T
Important:- 1. Only 25Nos. of certificates can be purchased/issued in one AOF. Premature closure of NSC & KVP
is conditional (forfeiture, Court order, order by Ministry of Finance, Death claim). KVP/NSC which are not in CBS
Finacle, cannot be discharged / encashed / closed in Finacle.
2. If funding is done by transfer from Savings A/cs, then number of withdrawal in Savings A/c will be equal to
number of certificates issued to a Registration Number.
 KVP – Special work process (Other process /command / Menus are same as NSC)
Kisan Vikas Patra (KVP) known as KVP-2014 has been re-introduced from 17.11.2014 w.r.to Min. of Finance (DEA)
O.M No. 2t412014-NS-ll dated 11.11.2014 forwarding The Gazette of India Notification No. G.S,R 705 (E) dated
23.9.2014 circulated by Dept. of posts vide SB Order No. 12/2014 (Dte letter No. 113-01/2011-SB {Vol-ll)
Dtd.17.11.2014. Denominations of KVP are Rs. 1,000/-, Rs. 5,000/-, Rs.10,000/- and Rs. 50,000/- and can only be
issued to individuals single or jointly as under. The sale of KVP Denomination INR.50000/- is restricted to Head Post
Offices and selected departmental sub post offices which are authorised by the Head of the Circle .
1. A single holder type may be issued to - (a) an adult for himself or on behalf of a minor or to a minor.
2. A Joint ‘A' type may be issued jointly to two adults payable to both holders jointly or to the survivor.
3. A Joint ‘B' type may be issued jointly to two adults payable to either of the holders or to the survivor.
Transfer of KVP-2014 is permitted in the following cases.
A. Transfer is permitted after expiry of at least one year from the date of purchase
1. Transfer from Bank to post office or vice versa on application in Form B.
2. Transfer from person to person (Single to Joint, Joint to Single, Single or joint to another person) on application.
B. Transfer is permitted before expiry of one year from the date of purchase
3. From the name of deceased holders to his heir(s) / nominee(s).
4. From a holder to a court of law or to any person under the orders of a court of law.
5. Transfer in the name of the survivor in the event of death of one of the joint holders .
6. Pledging of Certificates - transfer of any Certificate is permitted as security (Pledge) to different authorities.
C. No transfer shall be permitted for a Certificate held by or on behalf of a minor till the minor is alive
KVP Transfer-in to CBS PO from This clause is not being implemented as of now.
Bank / Non-CBS PO
KVP Transfer-out from CBS PO This clause is not being implemented as of now.
to Bank / Non-CBS PO
KVP Transfer– Person to person Same as given for KVP/NSC.
KVP Transfer- CBS PO to CBS PO No transfer is required. It is an inter-SOL transaction. Menu-
HACXFSOL. For details menu operation see Inter SOL Transaction.
PMC of KVP after 2 years and 6 CSCAAC / Same as given for KVP/NSC PMC.
months from KVP account open NSCAC
date & before maturity
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 Cash Certificate: KVP / NSC A/c – Brief Menu Operations
Open KVP/NSC A/c CSCOAAC Before issue, ensure availability and choose the denominations which are
(Issue of KVP/NSC) / NSCAO available at your office. Once denomination is selected and verified, there is
no chance of change / alternate it. Take care before issuing NC4a.
Note: At present  Function – O–Open →Product Type – Select NSC8 or NSC9 or KVP14 →CIF ID
th → NC4a Receipt No. – Enter No. from the manual Receipt Book, if certificates
only NSC (8 Issue)
can be issued by are not in the stock → Go →Mode of Operation - Select from Searcher → Total
NC4a. There is no Deposit Amount → Denomination Amount – Select denomination → No. of
provision to issue Units → Add new if more denominations to be given (Select denomination
KVP by NC4a. perfectly. Cannot be changed later on)→Transaction Type –Cash / Transfer
→If Transfer is selected then enter Dr A/c ID and cheque details →DSA
NSC IX issue has Information → Nomination details → Submit. Note new Registration No. &
been discontinued A/c IDs. Deposit Receipt is auto populated in Account Statement field, do not
from 20.12.2015 change it, else can’t be able to print certificates.
vide SB Order No.  Supervisor to Verify – Menu – CSCOAACV / NSCAOVF; Function – V-Verify,
16/2015. giving CIF ID & Regd. No.
 The system will generate Transaction ID for each issued certificate. Note
See “How to get it”  Note Transaction ID. Transaction ID is to be posted in HTM / CTM / CXFER
if Trans. ID is not and verified. Or HTV may be used to verify posted Transaction IDs (may
nd
noted due to any require verification by 2 Supervisor or higher class user if error comes “Not
reason. Authorize to verify part trans 1 or 2”).
 Only after printing, certificate number is assigned to A/c No.
Modify KVP/NSC A/c CSCOAACM  Function – Modify →Registration No. →Go →Amend details → Submit
before verification / NSCAMBV  Supervisor To Verify – Menu – CSCOAACV / NSCAOVF; Function – V-Verify
Verify KVP/NSC A/c CSCOAACV  Function – Verify →Registration No. →Click on Go → Click on Submit Note A/c
Opening / NSCAOVF Nos. & Tran IDs. System will generate A/c No. for each Denomination
Modify existing CSCACM /  Function – Modify →A/c ID → Go →Amend details → Submit for Verification
KVP/NSC A/c NSCAM  Supervisor To Verify – Menu - CSCACM/NSCAM; Function – V – Verify
KVP/NSC issued  Practice of writing KVP/NSC manually continues with a presumption that it can be adjusted
writing manually in Finacle which proves false keeping the PA & Supervisor in trouble. In most of the cases,
without referring after entering opening information, the blank NSCs/KVPs are kept inside the AOF for writing
Finacle on a later time. Try to avoid practice of writing KVP/NSC manually except following cases.
1. KVP/NSC size is not getting fitted to printer. Hence printing is impossible.
2. Printer is not available or out of order to print KVP/NSC.
In the above situation, before writing KVP/NSC manually, invoke HDRP, see certificate No.
& Denomination is being displayed by the system. Bring said certificate, Complete HDRP
print commands in the system, then write KVP/NSC manually & hand over to the customer.
Print KVP/NSC  Scheme code – Select from searcher (click on searcher – Next screen appears - click on
Certificate: searcher of Scheme code & select appropriate code e.g. KVN4 for KVP New Denom 5000 –
Click on Submit – a line below the showing details appears – click on underlined scheme
st
Menu: HDRP code e.g.KVN4 – it will return back to 1 screen) → CIF ID →From A/c ID →To A/c ID →
Master A/c ID (Do not give anything) → A/c Open date (Optional) → Go → Next screen
appears showing details of the scheme such as A/c IDs, Date of open, scheme code, denom
etc. → Select the A/c No. to be printed from the list displayed & click on Accept → Next
screen appears - Certificate No. is auto populated (Heading: Print Srl. No.) as per availability
of inventory with the user along with other information → Insert the appropriate
certificate in the printer → Submit→ Displays layout of the printing → Click on Print →
Select printer → Click on Print.
 Mistakes are often made here. Ensure the certificate inserted to the printer is exactly
same (No. & Denomination) which is shown/ displayed by the system. Else cancel printing
Caution→ & verify, mistake if any.
 Complete print. Next screen “Desktop Printing confirmation” appears.
 “Desktop Printing confirmation” is the most important and last step in printing. Tick all the
three RADIO BUTTON (Del. File from Server; Inventory used; Printed successfully), then
click on PROCEED button. This is like a confirmation of Printing.
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 Even closing “Desktop Printing confirmation” screen from windows close button (X), will be
treated as confirmation of Printing.
 If there is any problem in printing, untick all the three RADIO BUTTON and either click on
PROCEED or close the screen so that it can be printed again.
 Certificate number can’t be presumed before print process. After printing, certificate
number is assigned to A/c No. Certificate once printed can’t be changed in the system.
After printing user may go to CSCACM to confirm the certificate number got printed
properly and assigned to right A/c No.
Print NSC Certificate HDRP  On receipt of stock invoke HFINRPT. Select report “NSC account where NC4a is
against NC4a issued”. Provide the filter criteria and click on submit. View / Print the report in
HPR. Based on this report the counter assistant can print the NSC certificates
using the menu HDRP as given above by back value date against the receipt.
NC4 will be retrieved and original certificates will be issued.
Re-Print KVP/NSC HREDRP  To be done in Supervisor login. Circumstances of re-print.
Certificate 1. Important: Original certificate must be intact & blank (not printed).
2. Plain paper is in the printer. HDRP executed & printed on the plain paper.
3. HDRP (Print) command executed but not printed due to printer problem.
4. HDRP (Print) command executed but screen closed / clicked on “Proceed”
without removing Tick from Delete option. So that prints executed in the
system & print history/queue is deleted.
Under the above circumstances, KVP/NSC can be re-printed.
 Cif ID →From A/c ID →To A/c ID →Click on Go →Click on Submit.
Issue / Printing of HDUDRP (To be done in login of Postmaster of HPO).
duplicate certificate  Certificate holder can apply for duplicate certificates only at the CBS post office
(when lost / spoiled from where, certificates were issued. Process of issue of duplicate certificates
by holder) should be started and completed by that CBS Post Office only. Complete all the
(HO will issue required manual process. (SB Order No.8/2014 scenario-12)
duplicate certificate  Supervisor to give required inventory (stock of duplicate CC) of same scheme &
for HO & SO both. denominations to the Postmaster ID to print the duplicate certificate.
SO cannot issue  Postmaster to execute HDUDRP and provide details like CIF ID & A/c ID (From &
duplicate To) for which duplicate certificate is to be printed. HDUDRP will take the
certificate.) current inventory either normal or duplicate as available with the user.
 If certificates are printed in printer, the word “DUPLICATE” is printed on the
certificates. If certificates are not printed then a Rubber Stamp of “Duplicate”
should be placed on the certificates where normal certificates are used.
 After this, new certificate number will be available under the account number /
Registration No. Use CSCACM/NSCAM in PA/Supervisor login to confirm that
new certificate Nos. are replaced with lost / spoiled certificates.
 If the any holder/customer come with old certificates, while closure, system will
not have those certificates in the closure menu.
 Old certificate number will not be reflected in the system and user can’t be able
to close the account with old certificate.
N.B.: It is noticed that duplicate certificate for KVP (Old KVP issued prior to
01.12.2011) are not getting printed in at HO level with error message “No records
are fetched“. For this contact CPC for taking up the matter with CBS-CEPT (FSI
Team), Chennai for SOL transfer of Postmaster ID to concerned SOL. Inventory is
to be given to the Postmaster after SOL change. After printing, Postmaster ID
need to be changed to concerned HO.
Issue / Printing of HDUDRP Same as above with following exception: - In case certificate is wrongly printed
duplicate certificate and customer has returned or post office is in possession of wrong certificate &
when customer has duplicate certificate needs to be issued either suo motto as per Rule-48 of
no fault Savings Certificates under heading “Clerical or Arithmetical Mistakes in the
Issue of Certificates” or upon an application by depositor.
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KVP/NSC Certificate CDEDUP  Transfer of certificate from one person to another is to be done only once from
Transfer (Person to / CMRC / date of issue to date of discharge. On the physical certificate, name of old
Person) CCRC customer has to be rounded and name of new customer to be added under
dated signatures of Supervisor. (SB Order No. 5/2014, 8/2014)
Reason Code: D-  Based on new AOF, Check for CIF (CDEDUP). If not exists, Create New (CCRC).
Death Claim HCCA  Menu-HCCA → Function: M – Modify →A/c ID →Go → New CIF ID – Give the
Transfer; or T- CIF ID of the customer in whose name the certificates are to be transferred →
Transfer of Modify A/c Name – Yes → Reason Code – D or T or C →Submit → Accept.
certificates; or C-CIF  Supervisor To Verify – Menu – HCCA; Function – V – Verify.
duplicate Transfer. HAALM  Function: M – Modify →change Name of holder. 2 Supervisor To Verify
nd
KVP/NSC Certificate HACXFSOL  No transfer from PO to PO. It is an inter-SOL transaction. For details see Inter
Transfer (PO to PO) SOL Transactions.
Closing (Encash) HCAACTD Trial Closure (For trial closure use HCAACTD)
KVP/NSC A/c (For Trial  Function – L – Trial Close → A/c ID → Closure date (Auto populated) →
Closure) Withdrawal Amount (Principal)- Auto populated → Go → View Tabs : A/c
Information – Closure Details – Closure Exceptions for details.
 If it does not show Interest due, then Invoke Final Closure (CSCCAAC) to see the
Principal & Interest due. But do not click on Submit. Show it to the customer.
If he agrees, then invoke Final Closure (CSCCAAC) to close the A/c.
CSCCAAC / Final Closure (A/c wise – One by one Certificate)
NSCAC  Function Z – Close →Product Type – Select NSC or KVP →CIF ID → Registration
(For Final No. → Go → Select NSCs for closure one by one by checking the Close Box →
Closure) Close Mode – Select Cash or Transfer - If Transfer is selected then give
Repayment A/c ID as SB A/c or Postmaster Cheque A/c →Closure Reason -
Select from the Searcher (NORML – Normal) → Submit.. Note Tran IDs.
Supervisor to verify - Menu – CSCCAAC/NSCAC; Function – V – Verify.
KVP/NSC: PMC in CSCCAAC / Death Case : Modify CIF as deceased using Menu - CMRC
case of death of NSCAC  Function Z – Close →Product Type – Select NSC or KVP →CIF ID → Registration
holder and PMC of No. → Close Value Date – Date of Death → Go → Select NSCs / KVPs for
KVP after 2 years & closure one by one by checking the Close Box → Close Mode – Transfer
6 months from KVP →Repayment A/c ID as SB A/c or Postmaster Cheque A/c →Closure Reason –
account open date DTCLM (For death claim) / Normal (for PMC) → Submit. Note Tran IDs
& before maturity  Supervisor to verify - Menu – CSCCAAC/NSCAC; Function – V – Verify
KVP/NSC Bulk CNSBCV Bulk discharge process discharge of all certificates issued under one registration
closure number or 50 Nos. at a time whichever is less. If certificates are more than 50,
Needs care this process has to be repeated again with same Registration number and CIF
1. Ensure all CCs in number. Payment can be made by transferring to SB account of the customer or
the Regd. No. are to Postmaster’s Cheque account.
presented. In PA Login: Select Z-Close → Enter Registration number and CIF ID → Repayment
2. After closure verify Account - Enter customer’s Savings account and in case of exegency enter
report in HPR. Postmaster’s cheque account i.e SOL ID+0340; if this field is left blank, amount
3. Supervisor to verify will automatically get transferred to Postmaster’s cheque account → Submit.
immediately. At Note Trans ID if any.
times it gives Go to HPR and see Bulk Closure Success or failure Report after about 10 minutes.
problem. Report Verification by Supervisor :-
error with screen If Supervisor wants to Cancel the Operation due to any reason, X-cancel option
shot to CPC should be selected before verification. After verification, there is no option to
urgently. cancel the same.
4. Pay by credit to SB
A/c or by cheque. Select V-Verify → Enter Regd.No. and CIF ID. → Repayment Account will get auto
populated → Submit.
(Use of office A/c 0340 has been restricted vide SB Order No.12/2015, 15/2015 &
17/2015. For details see “Payment (by Cash/Cheque/Transfer) & Repayment
(Credit) A/c”)
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Go to HPR and see Bulk Closure Success or failure Report after 10 minutes.
N.B:
(1) If in HPR Report all are success but while verify, some CCs are not showing for
verification / error message comes “No data fetched.” Then do as under.
Using HAFI note down unverified A/c IDs. Invoke menu HCAACVTD & verify
individually giving A/c ID.
(2) PMC, Forfeiture are not allowed in Bulk Closure.
 Cheque Clearing (Inward & Outward) & Out Station Cheque Collection
(a) Command / Menu: Cheque Clearing (Inward & Outward)
Cheque - Inward Clearing with sequence Menu Type
1 Open Inward Clearing Zone ------ HMICZ T
2 Edit/Enter Instruments HICTM/HICTMO ---- T
3 Rejecting cheque – both Inward & Outward HICTM/HICTMO ---- T
4 Verify cheques ---- HICTM/HICTMO V
5 Suspend Inward Clearing Zone ----- HMICZ T
6 Validation Run ----- HMICZ T
7 Report generation ----- HPR T
8 Modify cheque which are marked as Inward ----- HICTM/HICTMO T
Reject automatically due want of fund
9 Post Inward Zone ----- HMICZ T
10 Close Inward Zone ----- HMICZ T
Cheque -Outward Clearing (HPO) with sequence
1 Opening of Zone ---- HMCLZOH T
2 Instruments Entry HOCTMO ----
2a File Downloading from S.Os ---- HTRFTOPC T
2b Upload Clearing File of S.O ---- HCLUPLD T
3 Inquiry of Lodged Cheque HIOCLS HMCLZOH V
4 Verify Instruments (Verify one by one: ---- HOCTM / HOCTV V
HOCTM. Bulk verification: HOCTV)
5 Suspend Zone ---- HMCLZOH T
6 Report for Clearing House HPCLSO/HOMSOEX HPCLSO/HOMSOEX T
7 Release to Shadow Balance ---- HMCLZOH T
8 Marking outward rejection (In Inward zone) ---- HICTM/HICTMO T
9 Mark Pending of cheque(s) ---- HMARKPEN T
10 Regularise Shadow Balance ---- HMCLZOH T
11 Revoke Pending (By Postmaster) ---- HREVPEND T
Cheque - Outward Clearing (SO) & CBS HO not dealing with clearing house with sequence
1 Enter Instruments HOMSO ----
2 Verify Instruments ---- HOMSO V
3 Report generation for cheques CHLR. ---- T
4 Generation of text file for HO HTRFTOPC ---- T
5 Inquiry of Lodged Cheque HIOCLS HIOCLS T
Cheque - Out Station Cheque (OSC)
1 OSC Maintenance (Lodge/ Verify / Realize / HIRM HIRM V
Dishonour)
2 OSC Report HINWREMI T
3 Upload Chq HRMI T
HICTM/HICTMO: In Inward Clearing normally HICTMO works in training centres and HICTM works in CBS
Post Offices.
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(b) Sequence of operation - Cheque Clearing
Cheque - Inward Clearing Cheque - Outward Clearing
1 Open Zone- OWRTN‐MICR (HMICZ) – Sup. 1 Opening of a clearing zone (HMCLZOH) -- Sup.
2 Lodging of Instruments (HICTM/HICTMO) –PA 2 Lodging of Instruments for Clearing (HOCTM) -- PA
3 Rejecting the cheque – both Inward & 3 Upload softcopy of SO cheques to local path
Outward (HICTM/HICTMO) –PA (HCLUPLD) -- Sup.
4 Verifying the Cheques (HICTM/HICTMO)-- Sup. 4 Tallying the Zone (HMCLZOH) -- Sup.
5 Suspending a Zone (HMICZ) -- Sup. 5 Verification of the Zone - cheques (HOCTM) -- Sup.
6 Validating Zone (HMICZ) -- Sup. 6 Suspending the Zone (HMCLZOH) -- Sup.
7 Report generation (HPR) -- Sup. 7 Generating report for Clearing House (HPCLSO) --Both
8 Modify cheques which are marked as Inward 8 Release to Shadow Balance (HMCLZOH) (Preferably do
Reject automatically due to want of fund it on receipt of clearing scroll, as the date on which it
(HICTM) -- Sup. is operated will be the realization date). -- Sup.
9 Posting the Zone (HMICZ) -- Sup. 9 Mark Pending of cheque(s) (HMARKPEN) -- Sup.
10 Closing the Zone (HMICZ) -- Sup. 10 Regularizing the Shadow Balance (HMCLZOH) -- Sup.
(c) Sequence of operation - Inward & Outward Cheque Clearing when Cheque for both to be entered
Work to operate Zone To be done by
1 Open Outward clearing zone (HMCLZOH) Outward Sup.
2 Lodging of Instruments for Clearing (HOCTM) Outward PA
3 Upload softcopy of SO cheques to local path (HCLUPLD) Outward Sup.
4 Tallying the Zone (HMCLZOH) Outward Sup.
5 Verification of the Zone - cheques (HOCTM) Outward Sup.
6 Suspending the Zone (HMCLZOH) Outward Sup.
7 Generating report for Clearing House (HPCLSO) Outward Both
8 Release to Shadow Balance (HMCLZOH) (Preferably do it on receipt Outward Sup.
of clearing scroll, as the date on which it is operated will be the
realization date).
9 Open Zone- MICR (HMICZ) Inward Sup.
9a Open Zone- preferably OWRTN‐MICR (HMICZ) for Rejection of Inward Sup.
cheques (if Inward zone is opened only for rejection of cheque)
10 Lodging of Instruments for Inward clearing (HICTM/HICTMO) Inward PA
11 Rejecting the cheque – both Inward & Outward (HICTM/HICTMO) Inward PA
12 Verifying the Cheques (HICTMO) Inward Sup.
13 Suspending a Zone (HMICZ) Inward Sup.
14 Validating Zone (HMICZ) Inward Sup.
15 Report generation (HPR) Inward Sup.
16 Modify cheques which are marked as Inward Reject automatically Inward Sup.
due to want of fund (HICTM/HICTMO)
17 Posting the Zone (HMICZ) Inward Sup.
18 Closing the Zone (HMICZ) Inward Sup.
19 Mark Pending of cheque(s) (HMARKPEN) Outward Sup.
20 Regularizing the Shadow Balance (HMCLZOH) Outward Sup.
Clearing amount comes in LOT after posting in respective A/cs, but do not affect Teller Cash.
Where a deposit is made by means of a cheque, pay order or demand draft the date of its clearance into
the Post Office Savings Bank shall be deemed to be the date of deposit (SB Order No.5/2014).
Rejection of Cheques (In Outward & Inward Zone) – Steps to be followed

1. Clearing steps are same up to (8) Release to Shadow Balance (HMCLZOH). Without Release to Shadow
Balance Rejection entry should not be done.
2. (Outward Zone) - Supervisor: Release of Shadow Balance in HMCLZOH
3. (Inward Zone) - Supervisor: Open Inward Clearing Zone in HMICZ. Enter the Total Amount of the Cheques
to be Rejected and Total No. of Instruments in Advice. Enter Outward Reject Event ID = OWREJ
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4. (Inward Zone) - PA: Entry of reject instrument details in HICTM / HICTMO. Function A=Add → Zone Code=
MICR → Go → Enter the Account ID (0382 or 0017 or SB Account of the Customer) →Instrument No. (
Cheque No.) →Transaction Code= 10 → Reject= O-Outward (Click in the Box). → Next window appears →
Enter Reject Reason from searcher (01= Funds Insufficient) →accept. → Next window appears → click on
Additional details → Next window appears → Enter Drawee Sort Code → Accept → Returns to Original
window of HICTM → Submit. It will through an exception click on O.K.
5. (Inward Zone) - Supervisor: Verification in HICTM / HICTMO. Function V=Verify → Zone Code → Go →
Next window appears → Accept → Instrument detail screen appears → Submit.
6. (Inward Zone) - Supervisor: Suspend zone in HMICZ. S- Suspend Zone → Zone Code=MICR → Go → Submit
7. (Inward Zone) - Supervisor: Validation Run in HMICZ. V- Validation Run →Zone Code- MICR → Go
→Submit.
8. (Inward Zone) - Supervisor: Validation Report in HMICZ. T- Validation Report → Zone Code → Go→ Submit.
9. (Effect of Validation Report) – Supervisor / PA: Report generation- HPR.
10. (Inward Zone) - Supervisor:Posting of zone in HMICZ. Function P- Post Zone. → Zone Code → Submit →
Then see the details → Submit. Go to HPR after 10 Minutes to see OTFI Report and note the Failed
Transaction IDs.
PA: Invoke HTM → Function M-Modify → Give Transaction ID → Post. Supervisor or another user to Verify.
Invoke HACLINQ and see that the Rejected Cheque amount was debited in Office A/c 0382 / 0017.
11. (Inward Zone) - Supervisor: Closing the Zone HMICZ
12. (Outward Zone) - Supervisor: Regularize Shadow Balance. HMCLZOH → Command and close the Inward
clearing Zone.
================= Cheque entry, rejection, realization is completed =============
CHEQUE - INWARD CLEARING PROCESS - SEQUENTIAL OPERATION In Brief

(Finalisation of clearing & closing of Zone must be done on the same day in time)
1. Open Zone : Supervisor to open zone - command - HMICZ → Go → Function - O- Open , Zone Code
(OWRTN‐MICR or CTS) → Go → Give the total amount and total no of instruments. Click on submit → Go.
(Zone Date:- By default System date. Zone Code: Now only MICR zone should be opened. CTS Zone should not
be selected even the office is linked to a CTS Zone.)
2. Lodging of Instruments: Operator to Add/ enter cheques: Menu HICTM / HICTMO → Go →Add, Give zone
code → Go →Add Give account No, Amount, Instrument No. Payee Name, Carve–by Default it is YES 
Submit.
(Carve – Carve means to slice off specified portion of funds equivalent to cheque clearing amount out of the
total available balance. This is done to ensure that the cheques received for inward clearing is for sure cleared
if sufficient balance is available. Customer cannot withdraw even from this account, the amount carved).
To upload use command: HRMI.
3. Rejecting the cheque: Operator to Modify / enter cheques rejected - command – HICTM / HICTMO → Go →
In the above process give Reject code—I for Inward and O for Outward CQ reject → Give Rejection Reason.
After outward zone balance is released to shadow balance, outward rejection instruments can be lodged in
inward zone. Else it will display error message.
4. Verifying the Cheques: Supervisor to Verify - Menu – HICTM / HICTMO → Go → Function - V- Verify → Go →
Submit.
5. Suspending a Zone: Supervisor to suspend- Menu - HMICZ → Go → Function -S- Suspend Zone → Submit.
6. Validating Zone & Reporting: Supervisor to validate - command - HMICZ → Go →Option – V – Validation
Run →Zone Code →Click on Go. Click on Submit. Check report in HPR.
Note: Supervisor to check reason of error/reject and resolve. Validation Run has to be done whenever you
visit HICTMO. Modify cheque, marked as INWARD REJECT automatically due to want of fund (HICTM /
HICTMO).
7. Posting the Zone: Supervisor to post - command - HMICZ → Go →Function – P – Post →Zone date →Zone
code →Click on Go. Check statistics →Click on Submit. Check report in HPR
Note the Tran ID. If any transaction is in entered state then invoke Menu HTM to post the transaction. Show
the effect of posting on System Reserved Amount.
8. Closing the Zone: Supervisor to close zone - command - HMICZ → Go →Function – Z – Close →Zone date
→Zone code →Click on Submit. Do the inquiry on Zone and note the tran ID of charges entry. Post entry using
Menu HTM; Function M – Modify.
===== INWARD CLEARING PROCESS COMPLETED====
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 Cheque - Inward Clearing Process – Brief Menu Operations
1. Open Zone (By Sup.) HMICZ  Option – O – Open →Zone Code (MICR or CTS. As of now only MICR zone
should be opened) →Click on Go → Total No. of Instruments in advice – Give
no. of cheques received in clearing. →Total Amount of Instruments in advice –
Give total amount of cheques received in clearing →Click on Submit
2.Lodging Instruments HRMI  Zone Date →Zone Code →Select - User Application File Path / Local File Path
in zone–Upload(By PA) →File Location → Go → Check upload success report by menu HPR.
2a. Lodging HICTM /  Function – Add →Zone Code →Click on Go →A/c ID →Amount → Transaction
Instruments in zone – HICTMO Code → Submit. Supervisor to Verify - Menu – HICTM/HICTMO – Function – V
Manually (By PA) - Verify (Verify Signatures also). Show HACCBAL – System Reserved Amount
3. Rejecting / HICTM /  Function – Modify →Zone Date →Zone Code → Go → Instrument No. – Give
Returning a cheque HICTMO selected cheque No. or Click on Accept → From List of cheques, select the
(By PA) cheque to be rejected → Carve –No → Reject – I (for Inward cheques) / O (for
Outward cheques) → Also for outward cheque returns give all cheque details
→ Click on Return Details Icon →Reject Reason – Select from the searcher →
Click on Charges Button →Accept →Click on Additional Details Icon
→Presenting Bank Code – Select from the Searcher → Presenting Bank Branch
Code – Select from the Searcher →Accept →Submit.
4. Verifying Cheques HICTM /  Supervisor to verify – Function – V – Verify → Submit
(By Sup.) HICTMO
5. Suspending zone (By HMICZ  Function – S – Suspend →Zone Date →Zone code →Click on Go → Submit
Sup.)
6. Validation Run for HMICZ  Option – V – Validation Run →Zone Code → Go→ Submit. Check report in
Reporting (By Sup.) HPR. Supervisor to check the reason of error / rejects and resolve.
 Validation Run has to be done whenever you visit HICTM /HICTMO.
7. Posting the zone (By HMICZ  Function – P – Post →Zone date →Zone code → Go → Check statistics →
Sup.) Submit. Check report in HPR. Note Tran ID. If any transaction is in entered
state then invoke Menu HTM to post the transaction. Show the effect of
posting on System Reserved Amount.
8. Close the zone (By HMICZ  Function – Z – Close →Zone date →Zone code →Submit
Sup.)  Do inquiry on Zone and note Transaction ID of charges entry. Post entry using
Menu HTM; Function M – Modify.
CHEQUE - OUTWARD CLEARING PROCESS – In Brief
MICR Code in Cheque:

st nd rd th th th th th th st nd rd th th th st nd
1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 1 2
????? 7 5 1 0 0 2 0 1 0 0 0 6 9 7 9 3 1
CQ ↑ Area / City Bank code↑ ↑Branch Code ↑ ↑Trans.
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No. ↑ Code Sort Code (4 to 9 ) Code
st th
MICR Code (1 to 9 )
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Bank Code of some important nationalized / scheduled / commercial Banks under MICR Code.
Bank Bank Bank Bank Bank Bank
Code Code Code
Reserve Bank of India 001 State Bank of India 002 State Bank of Bikaner & Jaipur 003
State Bank of 004 State Bank of Mysore 006 State Bank of Travancore 009
Hyderabad
Allahabad Bank 010 Andhra Bank 011 Bank of Baroda 012
Bank of India 013 Bank of Maharastra 014 Canara Bank 015
Central Bank 016 Corporation Bank 017 Dena Bank 018
Indian Bank 019 Indian Overseas Bank 020 Oriental Bank of Commerce 022
Punjab & Sind Bank 023 Punjab National Bank 024 Syndicate Bank 025
Union Bank of India 026 United Bank of India 027 United Commercial Bank 028
Vijaya Bank 029 Standard Chartered 036 City Bank N.A 037
Bank of Rajasthan Ltd. 043 The Catholic Syrian 047 Federal Bank Ltd 049
Karnataka Bank Ltd 052 Karur Vyasa Ltd 053 Laxmi Vilas Bank Ltd 056
South Indian Bank Ltd 059 ING Vsya Bank Ltd 064 Axis Bank 211
The Odisha State Co- 218 Nilachal Grama Bank 219 The Utkal Co-operative Bank 221
operative Bank Ltd soc
ICICI Bank 229 Indusind Bank Ltd 234 HDFC Bank Ltd 240
IDBI Bank Ltd 259 Kotak Mahindra Bank Ltd 485 Yes Bank 532
GPO 111
SEQUENTIAL OPERATION OF OUTWARD CLEARING PROCESS – In Brief - (Zone must be closed by next day)
1. Opening of a clearing zone: Supervisor to open zone - command HMCLZOH-- O (Open) –Go →Give the Zone
Date , Zone Code (Select “MICROW” for MICR Outward. CTS-MICR for MICR Outward CTS should not be
selected) →Go → Submit.
2. Lodging of Instruments in Clearing Zone:
(a) Cheque entry manually:- PA to enter cheques - command--- HOCTM (for HO) / HOMSO (For SO)--- GO →
Function - A (Add)—Give the zone Date, Zone Code,--- GO → Give the Account No, Amount, Instrument No,
Amount, Sort Code → Submit. Note down the Set No. on the Pay in Slip. Repeat the above process for all the
Cheques. Account No. to be given as under:
A/c No. to be used for cheque clearing Purpose
Savings Account number subsequent Deposit in Savings Account
Savings Account number / Office A/c 0017 For subsequent Deposit in PPF /SSA / RD
(SOLID+0017) / Agent Bulk list
Savings Account number / Office A/c 0382 For RD/TD/MIS/SCSS/KVP/NSC New
(SOLID+0382) Account Opening
For easy, smooth transactions, all kinds cheques of may preferably be cleared to Savings Account of the
depositor concerned. All subsequent Deposit for PPF / SSA / RD / Agent Bulk list as well as RD/ TD/ MIS/
SCSS/ KVP/NSC New Account Opening may preferably be done by transfer of amount from Savings Account of
the depositor concerned. (SB Order No. 12/2015, 15/2015 & 17/2015).
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(b) Cheque upload: Supervisor to download softcopy of SO cheques – HTRFTOPC. Supervisor to upload softcopy
of SO cheques to local path – command – HCLUPLD. Now cheques of both HO & SO can be processed.
3. Tallying (Balancing) the Zone: Supervisor to Inquire - HMCLZOH (command to Inquire by PA HIOCLS ) --- GO
→Function - I (Inquire) → Give Zone Date , Zone Code →GO → Select the statistics Tab → Check whether all
the cheques are appearing or not. If not, find and perform necessary addition / modification.
4. Verification of the Zone (cheques): Supervisor to verify one by one - command--- HOCTM (for HO) / HOMSO
(For SO) – GO - Function – V-Verify → GO → Select the appropriate ZONE CODE, Zone Date and Set Number
→ Go → All the instrument details will be listed below → Instruments details can be viewed by clicking on
the respective instrument number → Total CREDIT AMOUNT and Number of instruments should tally →
Submit. “Successfully Verified in Online Module along with SET NUMBER “will appear. Note the Set No.
(Note: Bulk verification menu: HOCTV is allowed after Suspending the Zone. May not find mistake if any. Use
of HOCTV is not advisable.)
5. Suspending the Zone: (No more addition of Cheque is allowed): Supervisor to suspend the zone -- command
HMCLZOH -- GO →Function - S (Suspend ) →Give Zone Date, Zone code → GO →Submit.
6. Generating report for Clearing House: Invoke the menu HPCLSO to print the Clearing House Summary.
7. Release to Shadow Balance: (Balance will be credited but not allowed for WDL. Preferably operate this option
after receipt of clearance). Supervisor to Release the shadow Balance -- command HMCLZOH-Go →Function
- R (Release to shadow Balance) →Zone Date, Zone Code →Go → Submit →OK
8. Marking outward rejection: After receipt of scroll, Rejects if any to be marked. Outward rejects are to be
marked in Inward Clearing Zone. (Process given at Inward Clearing). Supervisor to mark rejected cheques
before Regularizing the Shadow Balance – command – HICTM/HICTMO.
9. Mark Pending of cheque(s):Supervisor After receipt of scroll, if status of the any of the cheque is unknown
(not cleared nor bounced), & to be kept pending for clearance, then Menu – HMARKPEN (not working
properly) to be used to mark as pending & can be revoked by Postmaster using the menu HREVPEND.
(In Clearing House there is no option of PENDING – Cheque will be cleared / bounced (Rejected)).
10. Regularizing the Shadow Balance: (Actual Posting). Supervisor to Regularize shadow balance.
Menu HMCLZOH - Go → Function - G (Regularize Shadow Balance) →Zone Date, Zone Code →GO →Submit.
For SO & other HO cheques see procedure for CBS HO & SO not dealing with clearing house.
===== BRIEF OUTWARD CLEARING PROCESS COMPLETED====
 Cheque - Outward Clearing – Brief Menu Operations

1. Zone Processing HMCLZOH  Function – O – Open →Zone Date →Zone Code →Click on Go → Click on
(Opening a clearing Submit. (Select the appropriate zone “MICROW” for MICR Outward. CTS-
zone) (By Sup.) MICR for MICR Outward CTS should not be selected)
2. Lodging of HOCTM By HO : Option – Add →Zone Date →Zone Code → Go → A/c ID → Amount
Instruments Manually (For SO- – Pay-in slip amount →Instrument No →Amount – Cheque Amount →Sort
by HO / SO (By PA) HOMSO) Code – Give from the cheque → Transaction Code – Give from the cheque
→ Submit. Note the Set ID on the pay-in slip
(For SO see HO/SO not dealing with
 Single slip containing multiple cheques and multiple slips containing single
clearing house)
cheque can be lodged by HOCTM. See Float Balance in HACCBAL / HACLI
3. Zone Balancing (By HMCLZOH  Option – I–Inquiry→Zone Date →Zone Code → Go → Statistics Tab →Check
Sup.) Slips/Instruments/Sets – Nos. & Amount→Check Status–Entered / Verified.
4. Verification of the HOCTM  Function – V-Verify → GO → Select the appropriate ZONE CODE, Zone
Zone (cheques) (For HO) / Date and Set Number → Go → All the instrument details will be listed
HOMSO below → Instruments details can be viewed by clicking on the respective
4, 4a, 4b - By Sup. (for SO) instrument number → Total CREDIT AMOUNT and Number of instruments
should tally → Submit. “Successfully Verified in Online Module along with
SET NUMBER ……………..“ will appear. Note the Set No.
4a. Verify Lodged HOCTV  To verify instruments →Function – V – Verify →Zone Date →Zone Code
Instruments (Bulk)  Click on Go. Check report in HPR. (Use of HOCTV is not advisable.)
4b. Verify Manually HTM  Function – V – Verify →Tran ID →Click on Go →Post
5.Suspend Zone (Sup.) HMCLZOH  Function - S -Suspend →Give Zone Date, Zone code → Go → Submit.
5a. Unsuspending the HMCLZOH  Option – V – Revoke Suspension →Zone Date →Zone Code →Go → Submit
Zone–if need (By Sup.)
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6. Report for Clearing HPCLSO /  Print the report for Clearing House.
House (By Sup. / PA) HOMSOEX
7. Releasing to Shadow HMCLZOH  R–Release to Shadow Balance →Zone Date →Zone Code →Go →Submit
Balance (By Sup.)  Show HACCBAL/HACLI– Float Balance Nil & Funds in Clg Amounts
8. Marking outward HICTM /  After receipt of scroll, Rejects if any to be marked. Outward rejects are to
rejection (By PA) HICTMO be marked in Inward Clearing Zone. (Process given at Inward Clearing)
9. Mark Pending of HMARKPEN  After receipt of scroll, if a cheque status is unknown (not cleared nor
cheque(s) (By Sup.) / bounced), & to keep clearance pending, use Menu – HMARKPEN marking
HREVPEND pending & (Menu not working properly & hence pending not advisable)
can be revoked by Postmaster using the menu HREVPEND.
10. Regularizing the HMCLZOH  Function – G - “Regularise Shadow Balance” → Select appropriate date
Shadow Balance (By and zone → Go → A window with General and Statistics tab appears →
Sup.) Ensure, ZONE STATUS should be “RELEASED TO SHADOW BALANCE” →
Submit. Zone will be automatically closed on completion of this step.
 Batch Job will be initiated and the report can be taken using the menu HPR
File Transfer of SO / HO HTRFTOPC  Source File Name – File name of SO / HO. Destination Directory – Location
by HO where file is to be transferred at HO. Click on Submit
Cheque Inquiry in Zone HIOCLS  If Zone is not balanced as per the statistics then inquire to see which set is
not balanced. To modify set HOCTM – Function – M – Modify
 Cheques: Outward Clearing -CBS HO/SO not dealing with clearing house but attached with another CBS HO
(a) Command / Menu: Cheques: Outward Clearing -CBS HO/SO not dealing with clearing house
1 Lodging of Instruments Manually by HO / SO HOMSO HOMSO V
2 Report Generation for Instruments Lodged at HO / SO HOMSOEX -----
3 Softcopy Generation for Instruments Lodged at HO/SO HTRFTOPC -----
Steps for Cheques: Outward Clearing -CBS HO/SO not dealing with clearing house
1. Procedure of lodging of instruments at HO/SO level: The new procedure of cheque clearing has been
introduced from 01.01.2016 (SB Order No. 12/2015, 15/2015 & 17/2015). It means all kinds cheques are to be
cleared to Savings Account of the depositor concerned / Office A/c 0017 (SOLID+0017) / Office A/c 0382
(SOLID+0382) as the case may be and all subsequent Deposit for PPF / SSA / RD / Agent Bulk list as well as
RD/TD/MIS/SCSS/KVP/NSC New Account Opening is to be done by transfer of amount from Savings Account of
the depositor concerned / Office A/c 0017 (SOLID+0017) / Office A/c 0382 (SOLID+0382) as the case may be.
Enter cheques one by one carefully. Do not make any mistake. After entry of one cheque click on ADD to
enter next cheque. The following data input is to be done.
Invoke HOMSO → Function- A-Add→ GO → Next screen appears → Enter SB A/C No. for subsequent SB
Deposit and Savings A/c No. of the customer (depositor) / Office A/c 0017 (SOLID+0017) for all subsequent
Deposit for PPF / SSA / RD / Agent Bulk list and customer’s Savings Account / Office A/c 0382 (SOLID+0382) for
RD/TD/MIS/SCSS/KVP/NSC New Account Opening →Amount of cheque → Cheque No. → Nine digit MICR
Code No. which is placed after cheque No. → Trans Code i.e last two digit No. in the line of cheque no. (e.g. 10
or 31 etc.)) → entry of one cheque is completed → click on ADD to enter next cheque → on completion of
entry of all cheques click on Submit. (Enter the cheques carefully. Do not make any mistake) – Now cheque
entry is completed.
2. Verification of lodged Cheques by Supervisor, HO/SO (HOMSO): Invoke HOMSO → Function- V-Verify → enter
the date as current date → GO → list of cheques entered will be displayed → Submit. Message “Data Verified
Successfully” comes. - Now verification is completed.
3. Generation of Report at HO/SO level (HOMSOEX): In counter PA login invoke HOMSOEX → Enter the SOLID
(Give own SOL ID) →date of lodging (Give date on which cheques are entered) → select the File/Report type
as: "Report" → Submit. Message "Report Generated successfully" will be displayed. - Now cheque Report
generation is completed.
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4. Printing of report by HO/SO level (HPR): Invoke HPR → GO → list of reports generated is displayed → select
the report CHQLODGED.RPT → click on Print Screen → View & Print. – List with cheques to be sent to clearing
HO. Now cheque work at HO/SO level not dealing with clearing house for a day is completed.
Handling of Cheque at clearing HO for cheque of HO/SO not dealing with clearing house
1. On receipt of physical cheques with report from HO/SO, HO needs to verify the details.
2. Generation of soft copy at HO for the cheques lodged at HO/SO (HOMSOEX): In counter login invoke
HOMSOEX → Enter SOLID (Give SOL ID of HO/SO for which report is required) → date of lodging (Give date on
which cheques are entered referring physical report received) → select the File/Report type as: "Report" →
Submit. Message "Report Generated successfully" will be displayed. In this way report to be generated for all
the HO/SO attached to the HO for cheque clearing. Invoke HPR to view/print report if required (Same as Sl.
No.4, Printing of report by HO/SO level).
3. Downloading of generated soft copy to the PC (Desktop computer) by HO and its uploading.
Softcopy Downloading to Desktop computer in counter PA log in
 HPR → select report CHQLODGED.RPT → click on EXPLODE BUTTON of View details → Next screen appears →
Copy file path (.RPT file) shown against field “ Print File Name” to generate the .txt file → follow below step.
 Invoke menu HTRFTOPC for text file generation (requires source file and destination directory) → Enter source
file (pest copied file path as given above) → Destination directory (C:\ or D:\ or E:\.) →
Uploading Softcopy in counter PA log in: Invoke menu HCLUPLD → In next screen following input to be given (In
Report To column: "Supervisor" or “PM”; In zone date (Date of HO); In zone code as "MICROW"; Multiple
instrument Click YES**; Create Transaction- Yes **; Select File location path as "Local file path" → Submit. Next
screen appears. → System will ask the upload file path (Browse and select the .TXT file stored by menu HTRFTOPC
→ GO. Message "File uploaded successfully. Repeat procedure (Sl.3) for all the HO/SO.
 Invoke HPR → select the report “Outward clearing upload” to view and note the Set No.
(NOTE** HO/SO file can be tasted like HTTUM (trial upload to see error if any). To test/see any error at HPR do
not select YES to Multiple instrument and Create transaction. Tick both as NO. Perform trial upload. Go to HPR
and See successful/failure report. If success (No error), then do the real upload).
4. Verification of uploaded file by the Clearing HO Supervisor (HOCTM): Invoke HOCTM in HO Supervisor (CQ
clearing HO) → Verify the CQs giving Set No. If error noticed in HPR Report, Delete the Set No. in HOCTM
(Function -delete) and report to HO/SO to relodge the cheque & to resubmit to HO for clearing. If no error
found, complete verification. Now these CQs will be merged automatically with HO cheques.
5. Take report (Single for HO & SOs) and submit to clearing house.
On receipt of clearing scroll, HO (dealing with clearing House) should release the Shadow Balance and Regularize
the Shadow Balance (SB will be posted automatically, for others in respective Office A/cs). Clearing scroll /
intimation to be sent to HO/SOs from which CQs were received for clearing. On receipt of Clearing scroll /
intimation by the HO/SO, he should open new A/c (other than SB) debiting concerned office A/c.
 Cheque – Out Station Cheque for Collection – Brief Menu Operations

Lodge HIRM  Function – G – Lodge →Remit Type – OCINR →Rem CCY – INR →CIF ID →
Instrument Click on Go → General Details: →Operative A/c ID – SB A/c →Charge Debit A/c ID – SB A/c
→Remittance Amt – Cheque Amount →Remit Country – IN
 Instrument Details: Instrument No. →Inventory Type – CHQ →Instrument Amount →
Quantity →Instrument Date →Drawee Details – Name / Address → Drawee Bank Details
→Bank Code – Select from Searcher →Bank Br Code – Select from Searcher → Validate.
Event Details: → Validate → Transaction Details → Validate → Submit. Note the
remittance ID. Supervisor to verify – Menu – HIRM; Function – V – Verify.
Realize HIRM  Function – R – Realize →Remit ID. Validate the Tabs: Instrument Details →General
Instrument Details →Realisation Details → Event Details →Transaction Details →Submit. Supervisor
to verify – Menu – HIRM; Function – V – Verify
 Show HACLI – Credit & Charges Application. See in HIRM Remit Status is Yes
Dishonour HIRM  Function – N – Dishonor →Remit ID. Validate the Tabs: Instrument Details →General
of Details →Event Details (choose charge event ID) →Recovery Details →Transaction Details
Instrument → Submit. Supervisor to verify – Menu – HIRM; Function – V – Verify. Show HACLI –
Charges Application.
 Function – Z – Close →Visit Instrument Information to Validate →Submit
 Supervisor to verify – Menu – HIRM; Function – V – Verify
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Collection of Cheque Dishonour fee & Out station cheque collection fee.
Rejection & Dishonour (Bounce) are not same. In Rejection no accounting is happened. It may occur due to wrong
a/c No.; difference in signature or no signature; correction not authenticated etc. No fee is imposed for rejection.
Dishonour (Bounce) happens due to non-availability of Fund in the a/c to clear the cheque & fee is imposed for it.
Dishonour (Bounce) fee is normally imposed by the bank/POSB where the cheque is presented.
Inward cheque dishonored fee: No fine.
Outward cheque dishonor fee: through Post To be collected Office UCR as at present there is no option in Finacle.
Out Station cheque dishonor fee: To be collected through menu HIRM → Funtion : N-Dishonour.
Out station cheque collection fee: It will be deducted (withdrawn) automatically from Savings A/c.
Handle cheques sent for collection before migration but clearance received after migration:
Entry of cheque clearance - Menu operation:
Invoke CXFER → Add →Transaction type/sub-type – T/CI Customer Induced or T/BI-Bank Induced → Go → Debit
A/c ID – as SBI Sundry A/c (SOLID+0007) → Credit A/c – Customer’s Savings A/c or Office A/c 0017 (SOLID+0017) or
Office A/c 0382 (SOLID+0382) as the case may be → Amount – Give cheque amount → Value date – Give cheque
clearing date → Transaction particulars – delete auto populated “By Transfer” & enter cheque No. (do not enter
zero (0) if cheque No. starts with 0) → Remarks – enter PAN of a/c holder if amount is INR.50000/- or above →
Post. Note the Trans. ID. Supervisor to Verify giving Trans. ID.
Depositing the above cheque cleared amount in concerned A/c:

 1: To Savings A/c: No further action as the amount is credited to Savings A/c.
 2: To PPF/SSA/RD (individual) – subsequent deposit: Use CXFER → Debit Customer’s Savings A/c or Office
A/c 0017 (SOLID+0017) as the case may be → Credit Customer’s concerned A/c.
 3: For RD Bulk list under MPKBY / PRSS: – subsequent deposit: Use CXFER → Debit Customer’s Savings A/c
or Office A/c 0017 (SOLID+0017) as the case may be → Accept the schedule in HAGTXP & Post.
 4: New A/c (MIS/TD/SCSS/RD) or Issue of Certificate (KVP/NSC): In A/c opening select Transfer in
Transaction Required and Debit Customer’s Savings A/c. or Office A/c 0382 (SOLID+0382) as the case may be.
N.B: In the above cases (2 to 4) Enter cheque No. in Transaction Particular field.)
(The above is effected from 01.01.2016 – SB Order No.12/2015, 15/2015 & 17/2015)
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 Common Menus
(b) Command / Menu: Common
Common Menus – All schemes Menu Type
1 Account Details / Inquiry HACCDET HACCDET T
2 Account Ledger Inquiry HACLI HACLI T
3 Account Balance Details HACCBAL HACCBAL T
4 Account Name Change --------- HAALM TV
5 Account Interest Before Closure HACINT HACINT T
6 Account Selection List / Search a customer HACS HACS T
7 BO Account Closure Warrant HACACCR HACACCR V
8 Cash Pending clear Transaction (Adjustment) HCASHPND HTM V
9 Cash Transfer CXFER CXFER V
10 Change Context SOL ID ---- HCCS T
11 Custom New Account (Find new A/c No.) CNAC CNAC T
12 Customer Transaction Maintenance (by cash) CTM CTM V
13 Deposit Transactions Report Summary HDTRS ………….
14 Finacle Report HFINRPT HFINRPT T
15 Find Transaction ID HFTI HFTI T
16 Minor to Major Report (Customer Becoming T
HCBM →HPR HCBM →HPR
Major Report)
17 New A/c Opening List view / print HACSP→ HPR HACSP→ HPR T
18 Pass Book Printing HPBP ……..
19 Pass Book Printing (Selected entry) HPBPR HPBPR V
20 Teller Cash Position Inquiry An Employee HTCPIAE ……..
21 Transactions Maintenance HTM HTM V
22 Transfer Of Accounts (Inter SOL) HACXFSOL HACXFSOL V
23 View / Print generated report HPR HPR T
24 View / Print the statement of account HPSP→ HPR HPSP→ HPR T
(c) Conversion of A/c: Single to Joint & vice versa – Minor to Major: Counter PA has to take fresh AOF, KYC Form,
KYC documents & other required document, if any (e.g. Death certificate) from the depositor(s).
(i) Single to Joint: If CIF exists for the new incumbent, then modify the A/c (Menu of Modification of A/c after
verification / existing A/c to be used) and attach the CIF of new incumbent to the A/c in appropriate Related
Party (Normally Related Party 2).
If CIF does not exist for the new incumbent, then create CIF (Menu- CCRC), modify the A/c (Menu of
Modification of A/c after verification / existing A/c to be used) and attach the CIF of new incumbent to the A/c.
Change Mode of Operation.
(ii) Joint to Single: First Holder is the main Holder. In normal case (situation) First Holder cannot be
changed. It can be changed only in case of death.
nd
 Removal of 2 Holder in normal case: Invoke Menu of Modification of A/c after verification / existing
nd
A/c the 2 share holder has to be marked as deleted.
nd nd
 In death of 2 Holder: Modify the CIF of the 2 share holder and declared Deceased. Invoke Menu of
nd
Modification of A/c after verification / existing A/c the 2 share holder has to be marked as deleted.
st
 In death of First Holder of the two: Modify the CIF of the 1 share holder and declared Deceased. Invoke
nd
menu HCCA and change the CIF ID of the main holder to that of 2 holder.
st
 In death of First Holder of the three: Modify the CIF of the 1 share holder and declared Deceased.
Invoke menu HCCA and change the CIF ID of the main holder to that of remaining holder, who would be
the main holder in the account. e.g. CIF A, B and C are joint holders. CIF A is First Holder, the main Holder.
CIF A dies and remaining holder want to make CIF B as main holder. Then the user will invoke menu HCCA
and change the CIF id from CIF A to CIF B.
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(iii) Minor to Major: When Minor attains majority, Finacle stops transactions and allow transactions only
when status of account is changed from minor to normal. Counter PA has to take fresh AOF, KYC Form & KYC
documents of the depositors after attaining age of 18 years. The natural or legal guardian, who opened the A/c,
needs to attest the specimen signature & KYC documents of depositor. After manual verification, Counter PA
needs to change status both in CIF (Minor=No) and account level from minor to normal & Supervisor to verify.
(Modification Menu: CIF: CMRC; SB: CASBAM; PPF: PPFAMAVF; RD: CRDACM; MIS/TD: CMISAM; SCSS: CSCAM; CC:
CSCACM. Supervisor Verification Menu: CIF: CMRC; SB: CASBAV; PPF: CPPFAV; RD: CRDOAACV; MIS/TD:
CMISAOPV; SCSS: CSCAOPV; CC: CSCOAACV. Report Menu: HCBM→HPR).
In CIF Modification - Change the Minor radio button from YES to NO & KYC status= Submitted.
In A/c Modification - ensure correct CIF, Name & Address are attached, Mode of Operation, Document Details
changed. Generate report in HCBM & view/print in HPR. (Report Name: Customer becoming Major).
(d) CTM & CXFER: CTM & CXFER is used for funding in different schemes (SB, SSA, Discontinued schemes,
NSS, Office A/c, TD and MIS). CTM is used for cash transaction and CXFER is used for transfer transactions.
i. CTM: By Cash : Function – Add → Function Type – Deposit or Withdrawal → Go →A/c Id → Amount → Value
date (Date of transaction) →Transaction particulars –Messenger name can be put here → Remarks → Mode of
transaction – Select radio button Cheque (for POSB) or Withdrawal Slip (for SB-7) or Payment (for deposit) →
Cheque Date → Cheque No. → Option → Post. Note the Tran ID. Supervisor to Verify – CTM; V– Verify.
ii. CXFER: By Transfer: Function – Add → Trans type/subtype – T/CI-Customer Induced or T/BI-Bank Induced →
Click on Go → Dr A/c ID → Verify Signatures → Cr A/c ID → Give Amount → Value date (Date of transaction) →
Transaction particulars – Messenger name can be put here → Remarks → Mode of Transaction – Select one
radio button Cheque (for POSB) or Withdrawal Slip (for SB-7) →If cheque then update cheque date & cheque
no. → Post. Note the Tran ID. Supervisor to Verify – Menu – CXFER ; Function V– Verify. Use of CTM &
CXFER is also given under respective schemes.
(e) Funding by Transfer: Means deposit in different A/cs (CCs/MIS/ PPF/RD/SB/SCSS/TD) making withdrawal
from Savings A/c. Before A/c opening & Funding, check CIF, Name, Signature, Photo, balance and if required
check KYC documents.
i. Funding in New A/c: Opening of new a/c or issue of CC by Transfer from Savings A/c is permissible / possible
nd
when primary CIF of both the a/cs (new & SB) are same. 2 A/c holder cannot do funding on transfer to new
A/c opened in his name. To overcome it, Joint A/c to be opened. Withdrawal form is not required for open
on Transfer & depositor needs to write on AOF and it can be invested through Agent (SB Order No.7/2015).
ii. Funding in existing (old) A/c: Same as CXFER above.
(f) HCASHPND – For adjustment of cash payment other than SB - Reduces Teller Cash Position
Adjustment of Cash After HCASHPND Function – P-Process → Tran ID or A/c ID (Optional) → Go → Next
Interest / Closure (for other screen appears → Click on Serial No. (Sl. Nos. are numbered as 001,
payment for below than SB) 002 etc. with underline) → Post. Verification in HTM / HTV. (It is
INR.20000/- better to run it after each cash payment. Else run at the end).
(g) HTM Menu option: It is a multi-purpose menu and performs following tasks. Supervisor to verify in HTM.
1. Reversal of Un-posted Office Account Entry.
2. Payment of interest of discontinued schemes.
3. For Vault Transactions.
4. If Transaction creation is happening at the time of Verification the account another supervisor/Postmaster has
to verify the transaction from the menu “HTM”.
5. MIS/SCSS/TD interest payment from Sundry accounts.
6. In case of premature closure of KVP/NSC, Supervisor can view the payout details using HTM menu option.
7. On verification of KVP/NSC A/c, Transaction ID gets generated which is to be posted through HTM menu.
8. Used to post system generated transaction IDs which are in Entered stage.
9. Used to Modify & Delete transaction IDs which are in Entered stage.
10. When without verifying New A/c opening or A/c closure, HTV is used for bulk verification, funding position
gets to posted stage keeping A/c opening or A/c closure unverified. After verification of A/c opening or A/c
closure, the transaction to be verified.
HTM  Function – Add → Transaction Type / Sub Type – C/NP-Cash Normal Payment, T/CI, C/CT → Go →
Debit A/c ID (Active for payment) – e.g. Sundry A/c No. → Amount →Ref No. – Actual A/c No. →
Post. Note the Tran ID. Supervisor to verify - Menu – HTM; Function – V – Verify.
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(h) Name Change in A/c: Menu - HAALM (to be initiated by Supervisor)
At times even after attachment of modified CIF, name of A/c holder against respective schemes do not change. In
this case Name Change in A/c is required. Name should be within 21 characters & must contain alphabets only.
HAALM → Go → Function: M-Modify → A/c ID – Give A/c No. for which name to be changed → Go, Screen
nd
appears, Perform necessary changes → Submit. 2 Supervisor to verify – HAALM; Function: V-Verify.
(i) Nomination: Nomination can be done at the time of New A/c opening or at a later date. Obtain AOF / SB-55 as
the case may be. In case of SCSS A/c, take additional form with Photo & Specimen Signature / thumb impression
of Nominee as prescribed in SB Order No. 06/2015. Check for CIF, if not exists, create new CIF. Attach the CIF in
the Nomination details. (For new A/c do it during A/c open. For existing A/cs, modify the A/c to perform
Nomination). Advice all depositors to have Nomination in each and every account.
(j) Pass Book Issue & Print: Menu - HPBP :
New Pass Book Issue: Give A/c ID → select Printer → Duplicate PB - No →New Passbook – Yes →Print
Transaction Printing : Give A/c ID → Modify → select Printer → Duplicate PB -No →New Passbook –No →Print
Continuation Pass Give A/c ID → Modify → select Printer → Duplicate PB - No →New Passbook – Yes
Book Issue: →Print
Duplicate Pass Book Invoke HPBPR menu option to reset the pages printed details to 0. Supervisor to verify.
Issue: Then a fresh passbook can be printed by HPBP.
Give A/c ID → Modify → select Printer → Duplicate PB -Yes →New Passbook –Yes →Print
(k) UCR : Found excess – Way of depositing in Finacle for disposal in future:
1) Deposit: CTM → A-Add → Deposit → A/c ID – Give Sundry A/c ID (SOL ID +0324) → Amount – which is found
excess → Transaction Particulars – Give short remarks → Remarks - Give short remarks to help identifying in
future → Options - select G-Partitioning Details → Partitioning A/c ID – Give Teller A/c ID → Post. Note Trans.
ID. Supervisor to Verify giving Trans.ID.
 Customer Information File (CIF)

(a) Command / Menu: CIF
Work Item / Purpose Operator Menu
Customer Information File (CIF) Menu Type
1 Search existing CIF CDEDUP CDEDUP T
2 New CIF Create/Modify/Verify CCRC / CIFCR CCRC V
3 Modify / Verify Existing CIF CMRC CMRC V
4 Merger / Change of CIF HCCA HCCA V
5 Customer 360◦ View HCRV HCRV T
6 Inquiry on Customer HCUDET HCUDET T
(A) CIF Creation: Verify AOF, KYC Forms & KYC documents. CIF must not be created for each & every A/c. One
individual should have one CIF. Before new CIF creation, inquire from customer about other A/c or CIF if any,
and also check in Finacle using Menu – CDEDUP or HCRV or HCUDET. Name should be within 21 characters &
must contain alphabets only. Limitation is for easy activation of ATM Cards as CCMM fetches name from CIF.
(B) Create Minor CIF: For self-operated minor (minor of 10 years or more) A/c, procedure to be followed.
Depositor should not be asked to fill Guardian details in Account Opening Form (AOF). KYC of minor of 10
years or more and Signature is to be taken on Account opening form. Create Minor CIF and note down Minor
CIF ID in Account Opening Form in place of Depositor CIF ID. In Guardian details and guardian CIF, enter CIF
ID as 300668762 which has been created centrally with dummy data. On account opening, select mode of
operations as SELF and in guardian CIF, enter 300668762. System will show following details :-
“Last Name / Short Name – GUARDIAN. DoB - 01/07/1960. Document type - ADPRF with unique id
3dec2014email. Document code –PSBID. Nationality- Indian. Tax deducted at source as – NOTAX”.
(Authority:- Email from AD (SB-II), Postal Directorate, New Delhi on 06/02/2015 at 11:36 AM on the subject -
Create Minor CIF)
(C) Modification of CIF after verification or of existing CIF ID: All kinds of modification in CIF can be done in Home
SOL. CIF modification being a non-financial transaction, CIF modification at other SOLs has been restricted.
For details see “Other SOL Transactions – Intersol Transactions”.
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(D) Merger of CIF (HCCA): To be performed in the following circumstances:
Circumstances Reason code to select
1 If a single customer has multiple (duplicate) CIFs, they can be merged C-CIF duplicate Transfer
2 In case of death of a joint holder, his CIF can be detached. D-Death Claim Transfer
3 Death claim transfer (to the name of nominee) D-Death Claim Transfer
4 Transfer of CCs (One person to another) T-Transfer of certificates
5 Can be used to rectify CIF attachment when wrong CIF is attached in A/c opening C-CIF duplicate Transfer
 CIF – Brief Menu Operations

Checking existence of CDEDUP  Click on Go → Give required parameters → Click on Proceed
duplicate CIF  System will show the list of CIFs as per the criteria specified.
Creation of CIF  CCRC / CIFCR. It is one of the important activity in CBs Finacle. Do as under.
 Function – Add → Go → Title – Select from searcher →First Name → Middle name →Last Name – (Important)
→Father/Husband name → Date of Birth – DD-MM-YYYY → Gender– Click on relevant Radio Button →Tax status –
Select from searcher based on tax status of the customer → Pan Card No. – Give pan no. if tax status is selected as
Pan Card → Income – Give Amount → Income Type – Select from drop down menu → Occupation Type – Select
from drop down menu → Doc Type - Select code as relevant from searcher →
 Doc Code – Select relevant code from searcher/Enter unique Id number. (If UID then UID Auth. must – click on
radio button Yes / No) → Unique ID – Give ID No. If more documents then click on expand button
 Address details in lines 1, 2, 3 (When address is given in the line 1, using tab move on next field, system will
automatically populate Address Valid From and Country fields) → Address valid from – Give date from which
customer is staying on the address → Type Pin Code and City and State fields are auto populated → TDS Table Code
– Select from searcher based on Tax Status of the customer → Primary Relationship Manager ID – CIFRM →Submit.
Note CIF ID. (If forget to note, th ere is no way to find it).
Modification Before CCRC /  Function – Reject (By Supervisor) → Click on Submit
Verification CIFCR  User to amend details by choosing Menu – CCRC / CIFCR; Function – M-Modify
Verification of CIF CCRC /  Function – V-Verify → CIF ID → Go → Submit. Supervisor to ensure – “KYC
Creation CIFCR Status” is updated to “S-Documents Submitted” else reject CIF.
Modification after CMRC /  Function – M-Modify → Make the necessary amendment →Click on Submit for
verification or of CIFMD verification.
existing CIF ID  Supervisor to verify – Menu- CMRC / CIFMD ; Function –V-Verify
Note: CIF can be modified at Home SOL only. For modification of CIF of other
SOL, see “Other SOL Transactions”.
Death of a customer - CMRC /  Function – M – Modify → CIF ID → Go → Customer Status – Click on Radio
Modification of CIF CIFMD Button “Deceased” → Date of Death – Give date of death of the customer →
Submit. Supervisor to verify – Menu – CMRC / CIFMD; Function – V-Verify.
Note: System will automatically suspend the CIF.
Suspension of CIF (Do CMRC /  Function – S – Suspend → CIF ID → Reason Code – Select from Searcher (there
not use for Death CIFMD are about 37 types of reasons. Select appropriate one) → Go →Submit.
claim cases) Supervisor to verify – Menu – CMRC/CIFMD; Function – V-Verify. Similarly to
Un-suspend the CIF – Choose Function – U – Unsuspend
Difference between Suspension of CIF: All the A/c under the CIF is affected and no transaction is
Freeze (HAFSM) & allowed in these A/cs. Freeze (HAFSM): It is three types (Credit, Debit & Total). It
Suspension of CIF affects the A/c which is fridge.
Merger of CIF HCCA  Function – Modify → A/c No. (whose CIF is to be changed – other than CIF of
Reason Code: D- Savings A/c) → Go →Old CIF ID (will be displayed automatically) → New CIF ID –
Death Claim Transfer; Give new CIF ID to which the a/c is to be merged/transferred (preferred CIF of
or T-Transfer of Savings A/c, as Savings A/c is now mandatory) → Modify Act. Name – Change
certificates; or C-CIF name if need be (In case of death of primary a/c holder or certificate transfer
duplicate Transfer. cases) →Reason Code –Select appropriate reason from searcher → Submit.
 Supervisor to verify – Menu – HCCA; Function – V – Verify by giving A/c ID
whose CIF is changed.
Note: Savings A/c is now mandatory. Hence do not change CIF of Savings A/c.
Merge CIF of other schemes with Savings A/c.
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Search CIF and A/cs HCRV To know CIF details:
attached to a CIF  Click on Customer Selection -customer search screen displays → Give CIF ID →
CIF Type – Retail → Go → System will show CIF details.
To know Accounts attached to a CIF:
 Click on Account tab → Give CIF ID → A/c selection – click on required radio
button (Show open A/cs – select it to know a/cs opened in Finacle under the
CIF; Show all A/cs - select it to know a/cs attached to the CIF) → Go →System
will show list of all accounts attached to the CIF.
Inquiry on Customer HCUDET  CIF ID → Click on Go. Displays General Details of Customer
 Discontinued Scheme Transactions

(a) Command / Menu: Discontinued Scheme
Work Item / Purpose Operator
Menu
Discontinued Schemes Menu Type
1 Payment of Principle by Cash/Cheque/ Transfer HTM HTM V
2 Payment of PMI by Cash CTM CTM V
3 Payment of PMI by Cheque / Transfer CXFER CXFER V
4 Closure Of Accounts HXFER HXFER V
5 Reporting (Ledger printing) HACLPOA ---- T
There are about 21 Discontinued Schemes (listed below) which can be closed in CBS Finacle. All the accounts are
matured in discontinued scheme. The only Operation in discontinued scheme is to payout the amount to the
customer. Balances of all the discontinued scheme accounts are maintained in a specific office account per
scheme. During Payout, the specific office account should be debited and the customer account will be credited.
Scheme & Remarks Scheme & Remarks

1 Mahila Samridhi Yojna (MSY) - No interest 10 10 Years National Plan Savings Certificates – No
applicable after 10.8.2001 PMI
2 Fixed Deposit - No PMI after maturity 11 12 Years National Plan Savings Certificates- No PMI
3 Compulsory Deposit Scheme - 12 5 Years National Savings Certificates – No PMI
PMI@ simple 4% after maturity till payment
4 Indira Vikas Patras – No PMI 13 7 Years National Savings Certificates – No PMI
5 National Development Bonds – No PMI 14 12 Years National Savings Certificates – No PMI
6 Social Security Certificates – No PMI 15 NSC 1st Issue – No PMI
7 National Defence Certificates - 16 NSC (II-Issue) - Maturity bonus for purchase on or
PMI payable for 5 years after maturity after 1.5.1981 @Rs.10/- for Rs.100/-
8 10 Years Defence Deposit Certificates - PMI @ 17– NSC (III-Issue), NSC (IV-Issue), NSC (V-Issue) & NSC
simple 5% maximum for 5 years after maturity 21 (VI-Issue), NSC (VII-Issue) – No PMI
9 National Savings Annuity Certificates – No PMI
Maturity Value of Discontinued Schemes (Compiled from Post Office Small Savings Schemes Part-V Ready
Reckoner by A.N.Duraja)
Introduced on Discontinued Maturity Extended Min & Interest PMI Remarks
on Period Period Max.Deno Rate / Max.
/ Deposit Interest
1 Mahila Samridhi Yojna (MSY)
1.10.1993 10.08.2001 3Yrs Min=4 25% / 75. No Merged in SB
Max= 300 Allowed till vide SB Order
31.7.2001. No.06/2011.
2 Fixed Deposit
15.3.1968 1.8.1971 5Yrs multiple No
of 50
Rs.50/- shall become Rs.62.50 for the account opened before 16.3.1970 and Rs.63/- for the
account opened after 16.3.1970.
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3 Compulsory Deposit Scheme
1.7.1963 1.7.1964 5Yrs 4% 4% PMI till close.
4 Indira Vikas Patras
19.11.1986 15.7.1999 All certificates matured 100 & No Principle
on 15.07.2005 2500 doubles on
maturity
5 National Development Bonds
31.8.1977 1.5.1982 5Yrs 10,100,500 No
Maturity value for Rs.10/- : purchased before 1.10.1979=16.50 and purchased after 1.10.1979= 16.70. Other
amount to be calculated proportionately.
6 Social Security Certificates
1.6.1982 1.9.1990 10Yrs 500 & 1000 No
Maturity value for Rs.500/- is Rs.1500 & Rs.1000/- is Rs.3000.
7 National Defence Certificates
15.11.1962 15.11.1970 12Yrs 5Yrs 5 & 25000 5Yrs
Maturity Surrender value of Rs.5/- . Other PMI for next 5yrs in addition to maturity value of 12yrs.
Denom. to be calculated proportionately.
From To Value 5 10 50 100 500 1000 5000 25000
15.11.1974 15.3.1976 8.90 2.23 4.45 22.25 44.50 222.50 445.00 2225.00 11112.50
16.3.1976 15.3.1977 8.95 2.24 4.48 22.37 44.75 223.75 447.50 2237.50 11187.50
16.3.1977 15.3.1978 9.00 2.25 4.50 22.50 45.00 225.00 450.00 2250.00 11250.00
16.3.1978 15.3.1979 9.05 2.26 4.53 22.62 45.25 226.25 452.50 2262.50 11312.50
16.3.1979 15.3.1980 9.10 2.28 4.56 22.75 45.50 227.50 455.00 2275.00 11375.00
16.3.1980 15.3.1981 9.15 2.29 4.58 22.87 45.75 228.75 457.50 2287.50 11437.50
16.3.1981 14.3.1982 9.20 2.30 4.60 23.00 46.00 230.00 460.00 2300.00 11500.00
8 10 Years Defence Deposit Certificates
1.11.1962 15.3.1970 10Yrs 4.5% 5%
5Yrs
Additional interest for every Rs.50 for deposit made
before 1.3.1968
>4yrs & < 5 yrs 1.00 >7yrs &<8yrs 1.75 Additional interest @2.50 for every
>5yrs & < 6yrs 1.25 >8yrs &<9yrs 2.00 Rs.50 for deposit made on or after
>6yrs & < 7yrs 1.50 >9yrs&<10yr 2.25 01.03.1968
9 National Savings Annuity Certificates
01.11.76 1.1.1981 7Yrs 3200 & 50 for 3200 No Only 02
6400 & 100 for Denom.
6400
10 10 Years National Plan Savings Certificates No
10.5.1954 1.6.1957 10Yrs 5Yrs Min=5 No
Max= 500
Amount payable on certificates maturing on or after 1.10.1966 on completion of 15 years
Face Value 10Yrs 5Yrs In 15Yrs Face Value 10Yrs 5Yrs In 15Yrs
5 7.25 1.63 8.88 50 72.50 16.31 88.81
10 14.50 3.26 17.76 100 145.00 32.60 177.60
25 36.25 8.16 44.41 500 725.00 163.12 888.12
11 12 Years National Plan Savings Certificates
01.6.1957 14.11.1962 12Yrs 5Yrs 5 & 25000 No
Maturity value
Face Value 12Yrs + 5Yrs In 17Yrs Face Value 12Yrs + 5Yrs In 17Yrs
5 8.25 2.06 10.31 10 16.50 4.13 20.63
50 82.50 20.63 103.13 100 165.00 41.25 206.25
500 825.00 206.25 1031.25 1000 1650.00 412.50 2062.50
5000 8250.00 2062.50 10312.50 25000 41250.00 10312.50 51562.50
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12 5 Years National Savings Certificates No
1.6.1948 30.6.1953 5Yrs 7yrs + 5Yrs 5 & 5000 No
Maturity value
Face Value In 5Yrs In 12Yrs In 17Yrs Face Value In 5Yrs In 12Yrs In 17Yrs
5 5.75 7.50 8.81 100 115.00 150.00 176.25
10 11.50 15.00 17.63 1000 1150.00 1500.00 1762.50
50 57.50 75.00 88.13 5000 5750.00 7500.00 8812.50
1.6.1948 31.5.1957 7Yrs 5Yrs 5 & 5000 No
Maturity value
Face Value In 7Yrs + 5Yrs In 12Yrs Face Value In 7Yrs + 5Yrs In 12Yrs
5 6.25 1.09 7.34 100 125.00 21.88 146.88
10 12.50 3.99 16.49 1000 1250.00 218.75 1468.75
50 62.50 10.94 73.44 5000 6250.00 1093.75 7343.75
1.10.43 31.5.1957 12Yrs 5Yrs 5 & 5000 No
Maturity value
Face Value In 12Yrs + 5Yrs In 17Yrs Face Value In 12Yrs + 5Yrs In 17Yrs
5 7.50 1.31 8.81 500 750.00 881.25
10 15.00 2.63 17.63 1000 1500.00 1762.50
50 75.00 13.13 88.13 5000 7500.00 8812.50
100 150.00 26.25 176.25
15 NSC 1st Issue No
1.4.1965 15.3.1970 10Yrs 10,100,1000 No
Amount payable on maturity against Rs.10/- is Rs.18/- . Other Denom. to be calculated proportionately.
16 NSC (II-Issue) No
16.3.1970 1.10.1988 7Yrs No
Maturity value for Rs.10/-. Other Denom. to be calculated proportionately.
From To Maturity Value
16.03.1970 22.7.1974 14.90 Certificates issued on or after 01.05.1981, Maturity bonus
23.7.1974 30.09.1979 15.00 @10/- per certificate of Denom. 100 and at proportionate rate
1.10.1979 30.09.1981 15.55 for other denominations to be paid.
17 NSC (III-Issue)
16.3.1970 1.1.1981 7Yrs 100,1000,5000 5% & 6% No
Rate of Interest for Certs. Purchased from 16.03.1970 to 22.7.1974 5% No
Rate of Interest for Certificates Purchased on or after 23.7.1974 6% No
18 NSC (IV-Issue)
16.3.1970 1.5.1981 7Yrs No
From To
16.3.1970 14.1.1971 7.25% No
15.1.1971 31.3.1974 7.5% No
1.4.1974 22.7.1974 8.25% No
23.7.1974 1.5.1981 10.25% No
19 NSC (V-Issue)
1.1.1974 1.5.1981 7Yrs No
Maturity value for Rs.10/- and at proportionate rate for other denominations to be paid.
1.1.1974 30.9.1976 19.96 No
1.10.1976 30.9.1979 20.00 No
1.10.1979 1.5.1981 20.45 No
20 NSC (VI-Issue) No
1.5.1981 1.4.1989 6Yrs No
Maturity value for Rs.100/- and at proportionate rate for other denominations to be paid.
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1.5.1981 28.2.1983 201.50 No
1.3.1983 31.3.1987 213.00 No
1.4.1987 31.3.1989 190.10 No
21 NSC (VII-Issue)
1.5.1981 1.4.1989 6Yrs No Interest
Maturity value for Rs.100/- and at proportionate rate for other denominations to be paid. payable at
From To the end of
1.5.1981 28.2.1983 12% No every six
1.3.1983 31.3.1987 13% No months.
1.4.1987 31.3.1989 11% No
Sequence of closure of Discontinued Scheme:
1. Find new A/c No. (Menu-CNAC)
2. Debit/Pay out Principal amount of the A/c from specific office account and Credit customer’s SB or
Postmaster’s Cheque A/c (Menu-HXFER)
3. Debit/Pay out Interest amount, if any, of the A/c from specific office account and Credit customer’s SB or
Postmaster’s Cheque A/c (Menu- HTM).
4. Pay out of interest, if any, which is calculated outside will be paid from specific office account identified as
interest paid on specific discontinued scheme (Menu- CTM and or CXFER).
5. Print the ledger statement for the business day for both office accounts that is principle and interest. Staple
the statements with the instruments brought by customer and submit to HO/SBCO/DAP as the case may be.
(Menu- HACLPOA).
6. Print the LOT for Discontinued Schemes. (Menu- HFINRPT → HPR).
7. Show the amount in Daily A/c; Summary & Cash Book in proper heading.
 Discontinued Scheme Transactions – Brief Menu Operations
Cash Payment of HTM  Function – Add → Transaction Type / Sub Type – C/NP-Cash Normal Payment →
Principle Click on Go → Debit A/c ID – Sundry A/c No. of Discontinued Scheme → Amount
→Ref No. – Old A/c No. of Discontinued Scheme → Restore Values – A –
Additional Part Tran Details →Click on Go → Next Screen →Ref No. – Old A/c No.
of Discontinued Scheme → Click on Go →Next Screen →Click on Check Box
against the entry → Click on Accept →Click on Post and Note the Tran ID.
 Supervisor to verify - Menu – HTM; Function – V – Verify
Cash Payment of PMI CTM  Function – Add →Type – Withdrawal →Click on Go → A/c ID – Sundry A/c No. of
Amount calculated Interest on Discounted Scheme → Amount →Click on Post. Note the Tran ID.
manually (Ref. Common Module for details). Supervisor to verify using Menu – CTM.
Transfer of Principle HTM  Function – A – Add →Transaction Type / Sub Type:T/CI-Customer Induced → Go
Amount into SB A/c → Record 1 screen appears →Part Tran Type: Debit → A/c ID – Sundry A/c No. of
or Payment by Post Discontinued Scheme →Amount → Ref No. – Old A/c No. of Discontinued
Master Cheque A/c Scheme →Restore Values – A – Additional Part Tran Details →Click on Go →
 Next Screen →Ref No. – Old A/c No. of Discontinued Scheme → Go → Next
Screen →Click on Check Box against the entry → Accept → Click on Add
→Record 2 screen appears → Part Tran Type: Credit →A/c ID – SB A/c or Post
Master Cheque A/c → Amount or click on get contra amount icon → Post. Note
the Tran ID. Supervisor to Verify – Menu– HTM; Function – V – Verify
Transfer of PMI into CXFER  Function – Add → Go →Dr A/c ID – Interest on Discounted Scheme Sundry A/c
SB A/c or Payment by →Cr A/c ID – SB A/c or Post Master Cheque A/c →Amount → Post. Note
Cheque the Tran ID. Supervisor to Verify – Menu – CXFER ; V– Verify
Closure Of Accounts HXFER  Function – Add →Go →Dr A/c ID of Office A/c → Ref. CCY /Amt (Amount to be
by transferring paid) → In Restore (Select A-Additional Part Tran details) → Go→ Go →A screen
amount to SB or with amount appears- Click on Check Box - Reversal amount populates → Accept
office a/c. → Next screen appears (Transfer Transaction) →click on Add → select Credit
→Enter Cr. A/c ID (Give customer’s SB A/c or Postmaster’s Cheque a/c) → In Ref
CCY/Amt. (Enter Amount) →Ref. No.–Give Discontinued scheme A/c No.
→Transaction particulars – Give discontinued scheme name →Post → Go. Note
Trans. ID. Supervisor to Verify – Menu – HXFER.
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 Day End Process in Finacle : EOD (COD) / BOD : Closing a Day’s Work
EOD (COD) / BOD i.e. - End of Day (Closure of Day) / Beginning of Day.
It is the first as well as last work. On completion of successful Data Migration for Go-Live, EOD (COD) /
BOD for the first time will be performed by DMCC / DC. EOD (COD) / BOD from the date of online are to be
performed by the concerned office (SOL) and CBS CPC. On successful execution of EOD (COD) / BOD, Day End will
be performed for current date and immediately Day Begin will be performed for next working day. After
completion of EOD (COD) / BOD, this form/work (EOD (COD) / BOD) does not require any verification (as it is not a
transaction). There are three stages of EOD (COD) / BOD, such as (1) SOL level, (2) CPC level & (3) DC level.
EOD completion Time as By SO By HO By CBS CPC

per instruction of DTE 1700hrs (05PM) 1800hrs (06PM) 2000hrs (08PM)
As EOD is dependent on Counter Transaction Closing time, EOD by HO & SO must be initiated within one-half to
two hours from Counter Transaction Closing time or latest by 1800hrs (06PM) whichever is earlier. It is for
information that CBS CPC requires about one-half to two hours more to complete EOD process after EOD by all
SOLs.
A. Closing a Day’s Work - Pre-requisite for EOD (COD) / BOD in CBS Finacle:
Sequence of Closing a Day’s Work
1. As soon as counter closing time arrives (depends upon prescribed office time), close counter transactions.
2. Ensure no voucher is pending for entry (especially financial transaction voucher).
3. Ensure HCASHPND has been run. Check once again. Supervisor to verify after execution of HCASHPND.
4. Completion of verification of all transactions by Supervisor(s). If any problem is faced, do the needful within
the prescribed time. Ensure no transaction is pending in HIMI, HFTI & HAFI (A/c closure may be kept
unverified for closing in a future date for effecting cheque payment). Check the following to ensure there is
no EOD Blocking Validation.
No. Work Items Menu Action

1 In HFINRPT, generate report EOD Blocking Validation
Check for Blocking HFINRPT
Report. Use HPR and view the report. If there is any item,
validation Report → HPR
EOD will fail. Clear these / do the needful.
2 HIMR → HIMR will generate a report of Inventory movement for
HPR the day. View it by HPR & do the needful, if pending.
HIMI→ Give BOD date → (leave other fields blank) → Go.
Ensure no inventory is View screen appears showing both Authorised & Not-
pending for verification Authorised. Verify that there is no entry “Entered Not
or HIMI Authorized” against any inventory. To filtered only
“Entered but Not Authorized”: HIMI→ Give BOD date →
Inventory Transaction Status - Entered but Not Authorized
→ Go. If exists, clear these / do the needful.
3 Ensure no non-financial HAFI / View if any Audit files (New A/c, Closure, Transfer. New A/c
transaction is pending HAFP & Transfer are EOD Blocking validations) is pending for
verification. If so Supervisor to verify.
4 Ensure no financial HFTI View E-Entered & P-Posted items & ensure it shows “No
transaction is pending Records”. Then only EOD/BOD is possible. If pending,
verify & re-run.
Menu Operation to check EOD Blocking Validation: (CBS CPC may view EOD Blocking using these except HTCPIAE)
 To Inquiry inventory Not Authorized - Unverified Inventory Transaction List: HIMI → Go → Transaction
Date – Give current (BOD) date → Submit. It will show Authorised & Not Auntorised. Do the needful.
 View if any Audit files (New A/c, Closure, Modification, Transfer) is pending for verification - Non-Financial
Unverified Accounts: HAFI → Go. → In Ref. No. - Give . (dot) or two spaces → Entered on - Give current
date → Authorized – Select Not Authorized → Go. Message: No records were fetched. (This part is
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normal). (To know specifically New A/c, Closure, , Modification, Transfer specify table name in Table
Short Name field & function in Function Code field.)
If New / Transfer A/cs are listed, then the A/cs are to be verified using Menu meant for New / Existing
Account / Transfer verification (Closure and Modification are not an EOD blocking validation, but a
blocking for interest flow / DSA modification / closure / any type of transaction etc.)
 To inquire E-Entered & P-Posted items not Authorized: HFTI → Go → Transaction status: Select “E-
Entered” or “P-Posted” → Submit. Message: No records were fetched. (This part is normal). If
transactions are listed do verify.
 In HFTI: If any transaction is in Entered but not getting posted: Inquire balance & correctness.
 If alright, same user has to Modity & Post in HTM. Supervisor to verify.
 If incorrect transaction, Delete in HTM.
 If insufficient balance, see can balance be raised. If No, delete in HTM. If Yes, raise & Post in HTM
 In HFTI: If any transaction is in Posted but not getting Verified: Verify with alternative/other user.
5. View cash position in HTCPIAE (HTCPIAE → Go → Select employee (teller) → view balance in hand) and
count physical cash (both should tally). If do not tally, be patient, & complete the following steps to get the
correctness.
If cash tallies, do the following If cash do not tally, perform the following
A Make Teller Cash 0(zero) – Make over the Ensure that no transaction is pending in HFTI & HAFI (A/c
cash to Vault using HTM. Supervisor to closure may be kept unverified for closing in a future
verify the same. date).
B Ensure balance in hand is 0(zero) for teller: Ensure:
HTCPIAE → Go → Select employee (teller) No voucher is left out. Check MPKBY list & commission
→ Ensure balance in hand is 0(zero). paid A/c to find left out if any.
C Proceed to the next step. Find the mistake, correct it & Proceed to the next step.
6. Ensure once again that no transaction is pending in HIMI, HFTI & HAFI (A/c closure may be kept unverified
for closing in a future date for effecting cheque payment / BO A/c closure).
7. Generate the reports & save on your desktop for printing in future time. Now Finacle is ready for Day End.
8. Execute Day End at SOL level (HISCOD) within 1.5 to 02hrs from prescribed counter closing time or latest by
1800hrs whichever is earlier.
9. Print LOT & segregate Vouchers.
10. Segregate LOT & Vouchers, AOF / KYC Forms etc. for preserving / dispatching etc. as the case may be.
11. Certificate & Pass Book printing can be done at any time. (Certificate printing & BO Transaction entry may be
preferred after day end).
Now work for a day is completed.
B. EOD (COD) / BOD in CBS Finacle: Command / Menu:

SOL level EOD (COD) / BOD is possible only after completion of verification of all transactions by Supervisor(s).
Supervisor should not wait for verification. Verification by Supervisor should be done immediately after a
transaction. Completion of successful EOD involves the following four steps / commands.
Command Full Name What it does To be run by
st
1 HISCOD Initiation of SOL Initiates change of date for EOD SOL
Change Operating Date
nd
2 HSCOD SOL Change Operating Changes the date for EOD & BOD. Performs CBS CPC
Date day end for current date & day beings for
next date.
rd
3 HSOLCOP SOL Closure Operation Performs different batch jobs like extension
/ renewal, freezing etc.
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4 HSCOLD SOL Closure of Last Day Interest flow (in/out) happens.
Command / Menu for monitoring (Report screens)
1 HBJMON Batch Job Monitoring Indicates starting & ending time of Batch SUP & Sys
jobs of EOD Admin
2 HSSI SOL Status Inquiry Indicates various status of EOD process
3 EODMON EOD Monitoring Indicates HO wise consolidated EOD status.
4 EODREP EOD Report Indicates Circle wise consolidated status of
different steps of EOD & paralisation used
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st
C. Sequence of operation: 1 step of EOD (COD) / BOD by SOL – HISCOD
1. Ensure everything is ready as given for Closing a Day’s work (especially Sl. No. 1 to 8).
2. Ask all other users to logout. Again verify EOD Blocking Validations as given in “Closing a Day’s Work
“and ensure all works for the day is completed and no verification is pending.
3. Now execute SOL level Day End (HISCOD). The brief is as under.
No. Work & Menu Action

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

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

1 To know status of View & ensure HISCOD has been executed by SOL(s) and SOL
initiation of Day end of status is showing “Change Date initiated”.
SOLs: HSSI
nd
2 Execution of SOL Change It is 2 step of EOD / BOD for the SOL who has already completed
of Operating Date: HISCOD. Changes the date for EOD & BOD. Performs day end for
HSCOD current date & day beings for next date.
rd
3 Execution of SOL Closure It is 3 step of EOD / BOD for the SOL who has already completed
Operation: HSOLCOP HSCOD. Performs different batch jobs like extension / renewal,
freezing etc.
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4 Execution of SOL Closure It is 4 step of EOD / BOD for the SOL who has already completed
for Last Day: HSCOLD HSOLCOP & performs final EOD/BOD for SOL. Interest flow
(in/out), closure updation etc. happens in this step.
The above commands can be executed for a single SOL ID or for the Set ID. Give 1 to 10 when
running in SOL ID and 1 to 20 when running in Set ID. However, the total parallization should
not exceed 40 at any point of time or as per instruction of CBS CEPT Chennai. On execution of
command, process will run automatic in downward trend. Do not repeat the command
frequently.
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E. Monitoring Menu Operations:
1) HSSI (SOL Status Inquiry) screen – It is the primary & important EOD monitoring command & screen.
HSSI Filter conditions (It is still under testing & modification)
HSSI – (SOL Status Inquiry) screen is now modified from 29.09.2015 and provided with filters to know different
status (conditions) of EOD steps (positions). The filter condition of HSSI is helpful to Administration /System
Administrators / EOD Team to verify & know the status of EOD.
It contains following Columns (Fields). The drop down lists is self-explanatory.
Left Side Fields Filter conditions Right Side Fields Filter conditions
Set ID To enter SOL ID or Set ID → Closure Status Select one of the following
Y-Closed
N-Not Closed
F-Failed
BOD Date To enter BOD Date Closure Date To enter Closure Date
SOL Status Select one of the following EOD Event Status Select one of the following
I-Change of date initiated D-SCOD Running
P-SOL Precede done L-SOLCOP Running
M-SOL date changed C-SCOLD Running
N-SOL Postcode done N-EOD Event Not in Progress
B-SOL Closure Batch Job Done
Y-SOL Closure Done
Explanation for use of the screen.

To know What to enter / select
1 To know status for single office (SOL) enter SOL ID, then submit (leave all other fields blank)
2 To know status for all office (SOL) enter Set ID, then submit (leave all other fields blank)
3 To know SOLs which have not started enter SET ID, BOD date (current date), Last Closure date, SOL
HSCOD status as " Y-SOL Closure Done", EOD event status as "N-EOD
event NOT in progress", then Submit
4 To know SOLs which have failed in any step Closure status as " F-FAILED" ( Not required to enter other fields)
5 Different status can be seen/viewed selecting appropriate options (drop down lists are self-explanatory)
 HSSI → Go. → Give SOL / Set ID → Use required Filter condition → OK. On running the menu message
appears. :- Some Important fields are:
SOL Status Closure Date BOD Date Last successful Closure EOD Event status
Closure Date
When HSCOD running
1 Change Date initiated Previous date Current date Previous date Closed SCOD running
2 SOL PRECOD DONE Previous date Current date Previous date Closed SCOD running
3 SOL Date changed Current date Next working date Previous date Not Closed SCOD running
4 SOL POSTCOD DONE Current date Next working date Day before Not Closed EOD Event Not in
current date Progress
Now HSOLCOP is to be run
When HSOLCOP running
5 SOL POSTCOD DONE Current date Next working date Day before Not Closed SOLCOP Running
current date
6 SOL Closure Batch Current date Next working date Day before Not Closed EOD Event Not in
Job Done current date Progress
Now HSCOLD is to be run
When HSCOLD running
7 SOL Closure Batch Current date Next working date Day before Not Closed SCOLD running
Job Done current date
8 SOL Closure Done Current date Next working date Current date Closed EOD Event Not in
Progress
When HSSI screen status is like 4, HSCOD completed successfully. When HSSI screen status is like 6, HSOLCOP
completed successfully. When HSSI screen status is like 8, HSCOLD completed successfully and EOD is completed.
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Fields in HSSI Field Value Action Field Value Action Field Value Action
result screen
SOL ID SOL ID No. SOL ID No. SOL ID No.
SOL Status Change of SOL POSTCOD SOL closure Batch
Indicates EOD at the SOL started
can run HSOLCOP for the SOL.

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

Indicates HSOLCOP ran successfully.
date initiated Done Job done
Closure Date Current date Current date
BOD Date Next working date Next working date
Last successful Day before current Day before current
SOL closure date date date
Next working Day after BOD date Day after BOD date
date
SOL Batch
operating date
Closure Not Closed Not Closed
EOD Event status SCOD running EOD Event not in EOD Event not in
process process
”Do not worry about other fields, Then EOD/BOD for the SOL is completed. “Closure” field may indicate ‘Not
rd
Closed’ (means 3 step of EOD not completed) or ‘Failed’.
 If “Closure” status is ‘FAILED’ in HSCOD, then there is some validation problem. Invoke HPR and view
‘Validation Run Report’ or find out the unverified items as described earlier and rectify the problem and
re-run HSCOD for the SOL.
 If “Closure” status is ‘FAILED’ in HSCOLD, then there is some validation problem (Transaction done
during HSCOD running & attemped to verify). Invoke HPR and view ‘Validation Run Report’ or find out
the unverified items as described earlier and rectify (verify) using CBTM or HBTM in Supervisor login
giving date as “Closure date” and re-run HSCOLD for the SOL.
At times due to some reasons, HSCOD gets terminated before/after date change, but before completion.
If before date change re-run HSCOD. If after date change re-run HSCOD giving tick in “Yes” of “Run Only
Postdated Change Batch Jobs”.
If HSOLCOP/ HSCOLD gets terminated, invoke HSAC and delete all logins (Batch Jobs) & re-run.
F. EODMON <enter> Select Circle Name → GO. Following fields appear in the EODMON result screen.
Field → SOL ID SOL Name SOL Total SOLs / Total Status Indicator Remarks
Status SOLs open
Result SOL ID HPO Name Open n/n X in Red EOD of CPC for the SOL
→ No. not completed
Result SOL ID HPO Name Closed n/0 EOD of CPC for the SOL
→ No. in Green completed →
When against each SOL ID / SOL Name “Total SOLs open” & “Status Indicator” show n/0 and → in Green
respectively, then only, EOD/BOD by CBS CPC (for the set/circle) is completed.
Remarks & Observations:

(1) EOD/BOD on National Gazetted Holidays:- No EOD/BOD.
(2) EOD/BOD on Local Gazetted Holidays: EOD/BOD to be done, if all circles are not observing holiday.
(3) EOD/BOD on Natural calamities strikes / Bandhs:- EOD/BOD to be done.
(4) EOD (COD) / BOD for DC (known as DC Closure): Will be done by CBS-CEPT / Data Centre.
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 ECS
(a) Command / Menu: ECS
ECS Menu Type
1 ECS Mandate Maintenance HECSM HECSM V
2 Create ECS Dump HEGOC ----
3 Settlement Process Run HEOSR ----
4 ECS Reject Processing HEORP ----
5 Transfer File to PC (Download HTRFTOPC ----
ECS file created in HEGOC)
 ECS – Brief Menu Operations

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

(a) Command / Menu:
Find out new account No. Menu Type
1 Find New A/c No. from Old A/c No. CNAC CNAC T
On migration to Finacle all the old A/c Nos. will be changed to 10 digit New A/c Nos. There will be no concept of
A/c Block for different schemes. New A/c No. is allotted by the software randomly.
Input Format of Old A/c No.: SOL ID+Scheme+Old A/c No. or Certificate No.
Example: Bhubaneswar GPO – SOL ID: 75100100. Then old A/c No. will be
Scheme Old A/c No. Scheme Old A/c No. Scheme Old A/c No.
KVP 75100100KVP? NSS 75100100NSS? SCSS 75100100SCSS?
MIS 75100100MIS? RD 75100100RD? TD 75100100TD?
NSC 75100100NSC? SB 75100100SB?
Replace ? with old A/c No. or Certificate No. as the case may be. Security Deposit (SD) comes under SB.
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 Freezing of A/c
(a) Command / Menu : Freezing of A/c
Freezing of A/c Menu Type
1 Freezing & Unfreezing of A/c HAFSM HAFSM V
Freezing is referred to the restriction on an account, where Finacle restricts transactions in an account. It could be
a debit freeze or a credit freeze or a total freeze. When it is a total freeze then the account can neither be credited
nor be debited.
 Freezing of A/c – Brief Menu Operations (Also used for pledge)

Freezing of HAFSM  Function – Freeze → A/c ID → CIF ID (Note: you can freeze all a/cs under a CIF by
A/c giving only the CIF ID and not giving the A/c ID) → Freeze Code – Total / Debit /
Credit → Freeze Reason Code from the searcher → Click on Go → Check box the a/c
for which freeze to be placed. → Submit.
 Supervisor to verify –Menu – HAFSM ; Function –V- Verify
Freeze Code: Total=No transaction allowed. Credit= Deposit not allowed. Debit:
Withdrawal / Transfer / Closure not allowed.
Unfreezing HAFSM  Function – Unfreeze → CIF ID / A/c ID → Select A/c from the cheque box → Click on
of A/c Submit for verification. Supervisor to verify – Menu – HAFSM ; Function – Verify
 Functions in Finacle
A number of functions are available in Finacle to perform different jobs / works. The functions are self-
explanatory. A few of them are:-
Function Used for / Remarks Function Used for / Remarks
1 A-Add 17 P-Process HCASHPND
2 D-Delete 18 R-Reject CIF
3 19 R-Release to shadow
D-Destroy Inventory Cheque clearing
Balance
4 E-Extend PPF 20 R-Renewal
5 G–Lodge Cheque clearing 21 R-Revoke Stop Pay POSB Cheque
6 G-Regularize Shadow 22
Cheque clearing S-Split Inventory
Balance
7 I-Inquire 23 S-Stop Pay POSB CQ
8 L-Trial Close 24 S-Suspend CIF
Function Used for / Remarks Function Used for / Remarks
9 M-Merge Inventory 25 T–Transfer
10 M-Modify 26 U–Unfreeze
11 N–Dishonor Cheque clearing 27 U-Unsuspend CIF
12 O-Collect TDS 28 V–Revoke Suspension Cheque clearing
13 O-Open Cheque clearing 29 V-Verify
14 P-Pay off Loan Amount 30 X-Cancel
15 P-Post 31 Z-Close
16 C-Copy Agent (HDSAMM)
Used for / Remarks “Blank” means, it is a common function & working for different schemes.
Do not try to get it remembered. In course of work it will be remembered automatically. These are available in
drop-down menu to select. This booklet is normally contains work flow of A-Add / M-Modify / V-Verify and their
related functions. Other functions can be done in similar manner. To keep the booklet size small, it is
impracticable to describe all functions. Certain command / menu option are not available to users (are getting
available in course of time). For certain jobs (work / transactions) more than one command / menu option has
been given, but both are not available to user. Try the command / menu option and use which is available to user.
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 Inventory Management – Certificates & Cheques
(a) Command / Menu : Inventory Management
Inventory Management Menu Type
1 Add Inventory & Verify (Cheque / KVP / NSC) ---- HIMC TV
2 Change SOL ID to Transfer Inventory by HO ---- HCCS T
3 Split Inventory Own Location HISAI HISAI TV
4 Split Inventory Other Location HISIA HISIA TV
5 Merge Inventory Own Location HIMAI HIMAI TV
6 Merge Inventory Other Location HIMIA HIMIA TV
7 Inventory Status / Stock Report HISR/HISRA ----
8 Inquire Inventory (Between Locations – Movement) HIMI HIMI T
9 Inquire Inventory (Particular Location / Available) HIIA ----
Cheque Book maintenance (also given separately under SB A/c)
1 Issue Cheque Books HICHB HICHB V
2 Stop Payment Processing of Cheque HSPP HSPPAU V
3 Inquire Account ID For A Cheque HINQACHQ/CHAIN HINQACHQ/CHAIN T
4 Cheque Book Maintenance (Acknowledge, Inquire, HCHBM/CHBM HCHBM/CHBM V
Destroy etc.)
5 Cheque Book Issued Register HCHBIR/CHQBIR HCHBIR/CHQBIR T
Inventory Movement Report
1 To know status of all Inventory movement for a day HIMR → HPR HIMR → HPR T
(Authorised & Not Authorised)
Inventory Code List for POSB Cheque & KVP/NSC

Item Class Type Description Item Class Type Description
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POSB Cheque CHQ CHQ CHEQUES NSC 8 NS8 N10000 NSC8 RS 10000
KVP New KVN K1000 KVP New – Rs.1000 Issue NS8 NC1000 NSC8 RS 1000
(Reintroduced KVN K10T KVP New – Rs.10000 NS8 NC5000 NSC8 RS 5000
in Nov-2014) KVN K5000 KVP New – Rs.5000 NS8 NSC100 NSC8 RS 100
KVN K50T KVP New – Rs.50000 NS8 NSC500 NSC8 RS 500
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KVP This is old one. Not to be used NSC 9 NS9 N10000 NSC9 RS 10000
Issue NS9 NC1000 NSC9 RS 1000
NS9 NC5000 NSC9 RS 5000
NS9 NSC100 NSC9 RS 100
NS9 NSC500 NSC9 RS 500
 Inventory Management – Brief Menu Operations

Add Inventory – HIMC  Function – A-Add → Go → From Location Class – ZZ → From Location Code – EXT →
CSD to HO (Two To Location Class – DL → To Location Code – DL → Accept → Select Inventory Class /
Supervisor to Type – from searcher → Inventory Alpha (Prefix) → Start No. (Suffix) → End No.
verify) (Suffix) → Validate → (If another inventory is to be added then click on Add. After
last entry do not click on Add.) → Click on Submit. Note Inventory Tran ID.
 Function – V-Verify (Custodian to Verify) → Inventory Tran ID – Give inventory trans
ID to be verified → Click on Authorize Details Tab → Click Authorizer button against
which is written Not Authorized → Custodian to give password
 Repeat above step for another Authorizer if any → Click on Submit
(On issue of CHQ/KVP/NSC to customer It shows “To Location” as External to System)
Add Inventory HCCS  HO to do this function: Change the SOL (Menu – HCCS) → Select New Context Sol ID
→ HO to SO from the searcher → Click on Submit. No verification required
(Supply of HIMC  HO to do this function: Function – Add → Click on Go →From Location Class – ZZ →
Inventory from From Location Code – EXT → To Location Class – DL → To Location Code – DL → Click
HO to SO) on Accept → Select Inventory Class / Type – from searcher → Inventory Alpha →
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Start No. → End No. → Validate → If another inventory is to be added then click on
Add otherwise Submit. Note Tran ID and send stationery to SO & Give Tran ID
 SO User / Custodian will verify upon receipt of stationery from HO
 Menu – HIMC → Click on Go → Function – Verify → Inventory Tran ID - Give
inventory tran ID to be verified → Click on Authorize Details Tab → Click Authorizer
button against which is written Not Authorized → Custodian to give password.
Repeat above step for another Authorizer if any → Click on Submit.
 Alternative Method: HO may send inventory to SO with manual invoice. SO
Supervisor will enter the inventory in DL and authorize. (Single authorization for SO).
Add Inventory at HIMC  Function – Add → Click on Go → From Location Class – DL → From Location Code –
SO / HO to DL → To Location Class – EM → To Location Code – Employee ID → Click on Accept →
Employee (Give Select Inventory Class / Type – select from searcher → Inventory Alpha → Start No.
Inventory to the → End No. → Validate. If another inventory is to be added then click on Add
PA) otherwise Click on Submit. Note Inventory Tran ID
Verification by Supervisor: Function – Verify → Inventory Tran ID - Give inventory
tran ID to be verified → Click on Authorize Details Tab → Click Authorizer button
against which is written Not Authorized → Custodian to give password. Repeat
above step for another Authorizer if any → Click on Submit
Split Inventory – HISAI  Function – Split (Note – employee ID will be frozen) → Select Inventory Class / Type
Own Location – from searcher → Click on Go → Items Per Unit – No. of Leaves in a cheque book →
(By Supervisor) No. of Units – No. of Cheque Books.
 Note the multiplication of above 2 should be equal to total No. of leaves being
split. This entry is NOT required to be verified.
Split Inventory – HISIA  A user of higher class like post master can split inventory held by Counter PA.
Other’s Location  Function – Split → Employee ID → Select Inventory Class / Type → Go → Items Per
(Teller Location) Unit – No. of Leaves in a cheque book - No. of Units – No. of Cheque Books.
 Note the multiplication of above 2 should be equal to total no. of leaves being split.
Click on Submit. This entry is NOT required to be verified.
Merge Inventory HIMAI  Function – Merge (Note – employee ID will be frozen). → Select Inventory Class /
– Own Location Type → Inventory Serial No. → Click on Go → See Cheque Details → Click on Submit.
(Both Level) This entry is NOT required to be verified.
Merge Inventory HIMIA  A user of higher class like post master can merge inventory held by Counter PA.
–Other’s  Function – Merge → Select Inventory Class / Type → Employee ID → Inventory Serial
Location No. → Click on Go → See Cheque Details →Click on Submit. This entry is NOT
(Both Level) required to be verified.
To know status HIMI  Shows both Authorised & Not Authorised inventory movements on screen for
of all Inventory specified dates. OR
for a day HIMR  Generates report for both Authorised & Not Authorised. The same can be viewed /
→ HPR printed by HPR.
 Issue of Duplicate Certificate & Pass Book

Issue of Duplicate Certificate & Pass Book in CBS Finacle environment is governed by SB Order No. 8/2014 as
under.
(a) Duplicate Certificate Issue : A Certificate holder of CBS Post office, lost certificates and wants to get
duplicate certificate issued.
Certificate holder can apply for issue of duplicate certificates only at the CBS post office from where,
certificates were issued. Process of issue of duplicate certificates should be started and completed by that
CBS Post Office only. On completion of formalities, Duplicate Certificates can be issued following the
procedure mentioned in scenario-11 of SB Order No.8/2014. Steps are also given under module “Cash
Certificates: KVP / NSC : Issue / Printing of duplicate certificate”
(b) Duplicate Pass Book Issue : An account holder of a CBS post offices wants to get duplicate Pass book issued.
Duplicate Passbook can be issued by any CBS Post Office after following the laid down procedure of issue of
duplicate Passbook. For Savings Account / RD / MIS / TD / SCSS invoke menu of “Modification of A/c after
verification or Existing A/c” and indicate Duplicate Pass Book Issued (no provision for PPF & SSA). For
printing of Duplicate Pass Book refer “Pass Book Issue & Print” in the topic Common Menu.
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 Lien Maintenance
(a) Command / Menu: Lien Maintenance
Menu
Lien Maintenance Menu Type
1 Marking / Removing Lien on A/c HALM HALM V
2 Show / See the effect of Lien on a/c balance HACLI HACLI T
3 Show / See the lien amount HACCBAL HACCBAL T
Lien is referred to an earmarking or blocking a certain amount in an account for a defined or a pre-defined period.
Some Important Liens: RD loan is an auto lien with RD principal A/c. Migrated account where default fee has
not been collected in Sanchay post, the default fee is put as Lien and to be recovered on closure. Excess interest
credit in SCSS Accounts for which IAR (Interest Audit Register) entry has been made, so that customer may not
close the account without refunding the excess interest.
 Lien Maintenance – Brief Menu Operations

Marking Lien HALM  Function – Add → A/c ID → Click on Go → New Lien Amount – Give the amount to be
on A/c blocked → From Effective Date – today’s date → Lien Reason – Select from searcher
→ Submit to Verify. Supervisor to verify – Menu – HALM ; Function – Verify
 Note to see the effect on a/c balance in HACLI and the lien amount in HACCBAL
Removing Lien HALM  Function – Modify → A/c ID → Click on Go → Amount – 0 → Click on Submit to Verify
on A/c  Supervisor to verify – Menu – HALM ; Function – Verify
 Note to see the effect on a/c balance in HACLI and the lien amount in HACCBAL
 NSS A/c
(a) Command / Menu : NSS A/c (The withdrawal should be in multiple of 100 )
NSS A/c Menu Type
1 Withdrawal Transactions CTM or CXFER CTM or CXFER V
2 Amend Nomination Details & Verify HACM HACM V
3 Take TDS before Closure HCACC HCACC V
4 Closure of NSS A/c & Verify HCAAC / CLOSE HCAAC / CLOSE V
5 Removal of Freeze & Verify HAFSM HAFSM V
6 Enquire NSS92 original deposit amount HACM_MIS ----
(Free Text 12) Codes
7 Enquire NSS Form 15G / 15H update (Free HACM_MIS ----
Code 9) Codes
Some Tips:
NSS was introduced for a maturity period of 4 years. The units were extendable thereafter at the
instance of the customers.
b) There are two schemes of NSS – NSS 87 and NSS 92.
c) Modification of the NSS accounts like addition, deletion or change of nomination as applicable.
d) Withdrawal of certain amount from NSS A/c.
i. NSS 87 – Balance at the end of 4th preceding financial year less withdrawals made if any.
ii. NSS 92 – Only accrued interest withdrawal.
iii. Only one withdrawal is permitted in one financial year.
 NSS A/c – Brief Menu Operations

Withdrawal CTM /  Follow process for CTM for Cash Withdrawal or CXFER for A/c Transfer
Transactions CXFER  Show HACLI for TDS recovery in case of withdrawal > INR.2500/- in NSS 87.
Closure of NSS A/c CMRC  Modify PAN, Income & Tax Information in CIF. Supervisor to Verify.
HACM  Modify Tax Form to update Form 15G/15H in the A/c. Supervisor to Verify.
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Closure sequence HACLI  View the ledger balance & ensure interest amount is calculated and posted. If
1. CIF Modification not, HACINT to be run after unfreezing.
2. A/c Modification HAFSM  Function – U – Unfreeze →A/c ID →Click on Go →Select Entry by clicking on
3. Balance inquiry Check Box →Click on Submit to verify
4. Unfreeze  Supervisor to verify – Menu – HAFSM; Function V – Verify
5. Interest calculation HACINT  If interest is not posted as per HACLI, run HACINT to calculate and post
6. TDS Current Year Interest (CYI).
7. Closure HCACC  Take TDS Before Closure (For NSS 87 Cases only)- Menu-HCACC.
8. Refund of TDS if  Function – O – Collect →A/c ID →Click on Go → Expand Icon against Closure
not due but Charges Amount →Click on Accept → Click on Submit to Verify
deducted.
 Supervisor to Verify – Menu – HCACC; Function – V – Verify
HCHRT  Reversal of TDS charge if TDS is not due.
Interest calculation
 Function → Reverse → NSS A/c ID → Go → select the transaction → submit →
(HACINT) is not
Note the reference number. Supervisor to verify menu: HCHRT →verify.
required for closure in
the month of April.  If the menu is not accessible, please take assistance from DOP IT team or CEPT
team to reverse the charges.
(NSS-87 closure in  Please attach the 15G form again and verify the same.
detail has been given HCAAC /  Function – Z – Close →A/c ID – NSS A/c to be closed → Balance – Check
under “Account CLOSE Transfer Box if Balance is there / Uncheck Transfer Box if Balance is zero
Closure”). →Transaction Type – Select Cash or Transfer if Balance Transfer Box is checked
→Transfer A/c ID – SB A/c or Post Master Cheque A/c if Transfer selected in
Transaction Type →Click on Go → Click on Closure Tab →Note the Tran ID
→Select Reason Code from the searcher →Click on Submit to Verify
 Supervisor to Verify – Menu – HCAAC/CLOSE; Function – V – Verify
HRFTDS  For menu operation & procedure see TDS Module/ Topic.
 Office A/c
(a) Command / Menu: Office A/c
Office A/c Menu Type
1 Postings into Office Accounts Basic and Office HTM HTM V
Accounts Pointing & Verification
2 Parking of Unposted Amount where Credit a/c no. is CTM / CXFER CTM / CXFER V
wrong OR unknown (CTM- Cash, CXFER- Transfer)
3 Inquire on Transactions HIOT / TIPM HIOT / TIPM T
4 Ledger Inquiry – Office Accounts HACLINQ HACLINQ T
5 Office A/c. Ledgers Print HACLPOA HACLPOA T
Some Tips:
The accounts that are used by the Post Offices and Financial Institutions for their internal purposes are called
Office Accounts in Finacle. The Office Accounts are opened for accounting purpose. There are three (03) types of
Office A/cs.
Office accounts Explanations
Office accounts basics (OAB) All income / expenditure / asset accounts are basic Office Accounts.
Office accounts pointing (OAP) Sundry creditors (Sundry A/cs) and the Suspense Payment accounts are the
office pointing accounts.
System office accounts Proxy accounts are the System office accounts.
 Office A/c – Brief Menu Operations

Parking of CTM in  Function – Add → Function Type – Deposit / Withdrawal → Click on Go → A/c
Unposted case of No. – Sundry A/c (in CXFER give this as credit a/c ID) → Amount → Transaction
Amount where cash / Particulars – Give suitable narration so that the entry can be identified at the
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Credit a/c no. is CXFER in time of reversal → Option – G – Partitioning Details →Partitioning A/c ID – Ref
wrong OR case of a/c A/c ID of Teller / Cust. A/c ID → Post. Note Tran ID
unknown transfer  Supervisor to Verify – Menu – CTM / CXFER ; Function – Verify
Reversal of HTM  Function Code – Add → Transaction Type / Sub-Type – T/CI-Customer Induced
Funds → Click on Go → Record 1 screen will appear → Debit A/c ID – Sundry A/c ID
→ Restore Values – A – Additional Part Tran Details → Click on Go →Click Go
on next screen → List of records of the same amount will appear → Select the
right record by checking the box → Click on Accept → Restore Values – G –
Partitioning Details – Click on Go → Pat Tran Type Entity ID – Teller a/c id of
person reversing the entry → Click on Accept → Click on Add → Record 2
screen will appear → Click Credit Radio Button → Credit A/c ID - Correct A/c
ID of the customer → Amount – click on contra amount icon → Post to Verify.
Note Tran ID. Supervisor to Verify – Menu – HTM ; Function – Verify
Ledger Inquiry HACLINQ  A/c ID – Office A/c ID → Click on Go → Click on Go
Important Office A/cs in Finacle. For details refer FAQ of 04.10.2014

Office Account Description A/c No. Office Account Description A/c No.
Sundry Account 0324 Clearing Dr. A/c. Inward Clearing 0101
Vault Account 0406 Outstation Cheque Clearing 0110
BO Settlement Account 0339 ECS Suspense Account 0098
Money Order transfer Account 0385 Outward Credit ECS Settlement Account 0096
RD Default Fee Account 0384 Pension Upload Account (Dr.) 0408
PPF Transit Account 0322 Salary Upload Account (Dr.) 0409
SCSS Transit Account 0437 DBT (NREGA FTO) Upload Account (Dr.) 0410
Sundry Deposit TD Interest payment 0335 ATM Cash loading Debit A/c 0006
Sundry Deposit MIS Interest payment 0337 ATM Cash loading Credit A/c (Bangalore 560001
GPO A/c SOL ID- 56000100) 000007
Sundry Deposit SCSS - Interest payments 0338 PMJJBY Premium Office A/c (Sansad Marg
HO A/c SOL ID-11000100)
Use of following Office Accounts has been discontinued / restricted

Office Account Description A/c No. Authority / SB Order No. if any From
Deposit Reinvestment Account 0387 07/2015 18.06.2015
Post Masters cheque account 0340 12/2015, 15/2015 & 17/2015
New Account opening RD/ TD/MIS/ SCSS/ 0382 Consequent upon restriction on use of 15.10.2015 /
PPF/Certificates by other bank Cheque. these a/cs, amount may preferably be 01.01.2016
Clearing Cr. A/C. Outward Clearing A/c - 0017 transferred / cleared to Customer’s
subsequent PPF, RD & Agent Bulk Deposit Savings A/c.
Discontinued Scheme Office Account Description

Discontinued Scheme: Principal A/c No. Discontinued Scheme: Interest A/c No.
1 10 Years CTD 0142 Interest On10 Years CTD 0411
2 10 Years Defense Deposit Certificates 0148 Interest On 10 Years Defense Deposit Cert. 0416
3 10 Years National Plan Savings Certificates 0151 Interest On 10 Year National Plan Savings Cert. 0423
4 10 Years NSC I Issue 0162 Interest On 10 Years NSC I Issue 0434
5 10 Years SSC 0146 Interest On 10 Years SSC 0414
6 12Years National Plan Savings Certificates 0150 Interest On 12 Yr National Plan Savings Cert. 0422
7 12 Years National Savings Certificates 0152 Interest On 12 Years National Savings Cert. 0424
8 15 Years CTD 0143 Interest On15 Years CTD 0412
9 5 Years CTD 0141 Interest On 5 Years CTD 0436
10 5 Year National Savings Certificates 0154 Interest On 5 Year National Savings Certificates 0426
11 5 Year PO Cash Certificates 0163 Interest On 5 Year PO Cash Certificates 0435
12 7 Years National Savings Certificate 0153 Interest On 7 Years National Savings Certificate 0425
13 Compulsory Deposit Scheme 1963 0140 Interest On Compulsory Deposit Scheme 1963 0419
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14 FD 5 Years 0139 Interest On FD 5 Years 0413
15 Indira Vikas Patras 0144 Interest On Indira Vikas Patras 0420
16 Mahila Samridhi Yojna (MSY) 0138 Interest On Mahila Samridhi Yojna (MSY) 0418
17 National Defense Certificate 12years 0147 Interest On National Defense Certificate 0415
18 National Development Bonds 0145 Interest On National Development Bonds 0421
19 National Savings Annuity Certificates 0149 Interest On National Savings Annuity Cert. 0417
20 NSC 1st Issue 0155 Interest On NSC 1st Issue 0427
21 NSC II-Issue 0156 Interest On NSC II-Issue 0428
22 NSC (III-Issue) 0157 Interest On NSC ( III-Issue) 0429
23 NSC ( IV-Issue) 0158 Interest On NSC ( IV-Issue) 0430
24 NSC ( V-Issue) 0159 Interest On NSC ( V-Issue) 0431
25 NSC ( VI-Issue) 0160 Interest On NSC (VI-Issue) 0432
26 NSC ( VII-Issue) 0161 Interest On NSC (VII-Issue) 0433
 Other SOL Transaction (Inter SOL Transaction)

(a) Command / Menu: Other SOL Transaction
Menu
Other SOL Transaction (Inter SOL Transaction) Menu Type
1 Transfer in from other SOL (inter SOL Transfer) HACXFSOL HACXFSOL V
Post Office / Bank where the account stands is called the Home SOL. Any transaction performed in other than
Home SOL is called Inter SOL Transaction. E.g.: Account ‘N’ stands at Bhubaneswar GPO. Hence Bhubaneswar
GPO is the Home SOL for A/c ‘N’. If any transaction for A/c ‘N’ is performed at other than Bhubaneswar GPO, the
said transaction is called Inter SOL Transaction.
Inter SOL Menu option is as per the scheme (e.g. SB/SSA- CTM, PPF- CPDTM or CPWTM, RD-CRDP).
Deposit / For cheque deposit get the cheque cleared at the SOL where presented. Then follow the
Withdrawal normal procedure of deposit. Give transaction type as “Transfer”.
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Inter SOL 1 the A/c needs to be transferred to the destination SOL. Then closure to be done. Procedure
closure is given below. (Ref. SB Order Nos. 8/2014 with Addendum & 07/2015 for detailed procedure)
Inter SOL It is required either for closure or on the request of customer. Procedure is given below.
Transfer HACXFSOL Transfer in/out is not required for normal Deposit / withdrawal.
1) Transfer-in (Transaction at destination SOL)
2) Transfer-out (Transaction at Home / Source SOL)
Function – T-Transfer → Go → Source SOL → Target SOL → A/c ID → Submit.
Note Instrument ID. Supervisor to verify in the same menu.
Inter SOL MIS HTM Same HTM operation. Exceptions are : → Trans Type/Sub-type - C/NP-
/ TD / SCSS Cash/Cash Normal Payment (for cash payment) or T/CI – Customer Induced (Tfr
Interest to SB A/c) → Go ….... A/c No. – Debit A/c ID (Sundry A/c – SOL ID +0337/ 0338/
payment 0335 of the SOL where A/c stands) → ………. Others are same .
Procedure:(Inter SOL Transactions are governed by SB Order Nos.8/2014, its Addendum on 14.8.2014 & 7/2015)
1. Inter SOL Transaction is possible among CBS P.Os only. Transactions (Financial or Non-Financial) can be
initiated in any CBS Post Office for any scheme (Savings, RD, TD, MIS, SCSS, PPF or Certificates).
(a) Financial Transactions: Amount of the transaction appears in Consolidation & LOT (Inter Branch) of the office
where the transaction is performed. No transaction would appear in the office where account / certificate
stands. Extra care should be taken at the time of such transactions.
(b) Non-Financial Transactions: It can be done at Home SOL only. In case of Death Claim receipt, the CIF can be
modified to enter Death information at the SOL where claim application is presented.(SB Order No.7/2015).
(For more information see Sl. No.11 of Special Circumstances / scenarios of Inter SOL Transaction)
2. Verification of Inter SOL Transaction: - All Financial or Non-Financial Transactions should be verified
immediately by Supervisor / SPM at the same office where the transaction is initiated.
3. Mode of Payment: - All payments related to Inter SOL Transaction should be made by crossed cheque or
credit to Savings Account (where appropriate KYC documents have been taken).
4. New A/c opening or New KVP/NSC purchase: Should not be done for other SOL.
5. Deposit: – No risk. Follow the process of normal Deposit & KYC norms.
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6. Withdrawal:
(a) Use Menu HACLI & ensure genuineness of A/c and it stands in Finacle.
(b) Verify signatures of the holder(s) on the withdrawal Form or Account Closure Form with that available in
Finacle. It is confirmed from the signatures that holder is genuine.
(c) Payment should be made to the account holder as per process being followed for normal withdrawal.
(d) Withdrawal from savings Account for more than for Rs. 50,000/- , it should be allowed only if signatures are
available in the system and are tallied.
7. Account Transfer: - In CBS environment, transactions can be initiated in any CBS Post Office. Hence there
perhaps no need of transfer. If still, the customer wants to transfer his account, then the transfer (SOL
change) can be performed either at Home SOL (source SOL) or at the destination SOL. The A/c holder should
be asked to fill SB-10(b) or NC-32 as the case may be and give fresh ID as well as Address Proof and Mobile
number. After proper verification of KYC documents, Certificates first be transferred IN by using HACXFSOL .
8. Intimation of Transfer/Discharge & Sanction of Claim and preservation of SB-10(b) or NC-32 or Claim
Application Form & KYC documents (SB Order No.7/2015).
An intimation of Transfer/Discharge should be sent to the office of issue by service registered post which will
make Transfer/Discharge entry in the Purchase Application (in case of old certificates) or AOF.
In case of claim sanction, an intimation of Sanction of Claim/Transfer/Discharge along with copy of sanction
memo should be sent to the office of issue by service registered post which will make
Death/Transfer/Discharge entry in the Purchase Application (in case of old certificates) or AOF.
SB-10(b) or NC-32 or Claim Application Form and KYC documents should be preserved in the CBS Post Office
(who performed the transfer in) in A4 size Ring Guard File
If certificates are transferred in the name of claimant, KYC Form has to be taken from the claimant and sent
to CPC of the office where claim is sanctioned. CPC will scan the Photograph and signature and attach the
same with new CIF.
9. Closure / Discharge / Encashment:
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(a) 1 step is same as (a) & (b) of withdrawal.
(b) Obtain SB10 (b) or NC-32 as the case may be with required KYC documents (ID & Address proof).
(c) Then Accounts(s) first to be Transferred IN by using HACXFSOL. Supervisor to verify it.
(d) Customer’s new address, KYC information and mobile number should be entered through account
modification menu. (Menu: Used for “Modification of existing A/c or Modification after verification”).
(e) The modification should be verified by Supervisor.
(f) Thereafter the a/c may be closed.
(g) Payment should either be made by crossed cheque or credit to Savings Account (where required KYC
documents have been taken) only. (Whenever any account is closed at the office other than the office where
account was opened, in any case, payment should not be made by cash.)
10. Re-investment: (For details see Reinvestment above, scenario-14 below & SB Order No.07/2015)
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(a) 1 step is same as 8(a) to 8(e) of Closure / Discharge / Encashment.
(b) Use of Re-investment office account (0387) has been discontinued vide SB Order No.07/2015 dated
18.06.2015. Closing proceeds (maturity value + interest) should be transferred to customers Savings A/c from
where re-investment to be made.
(c) No re-investment should be accepted if customer does not have a Savings Account in a CBS Post Office or
customer is not ready to open new Savings Account, in such a case, payment should be made by Postmaster
Cheque only.
11. Deceased (Death) claim case:
(a) In CBS environment, claim form can be submitted at any CBS post office. When such a claim is presented at
any CBS post office, first of all, user has to enter date of death in the CIF and supervisor has to verify. Then
procedure of settlement of deceased claim case has to be followed. After sanction of claim, if claimant wants
payment, procedure mentioned in scenario 2 & 6 of SB Order No.8/2014 dated 06/08/2014 should be
followed. If claimant wants transfer of certificates / accounts in his/her name, open new CIF in his/her name
based on new AOF (if no CIF is available in his/her name) and attach the existing Certificates / Accounts with
new CIF (if continuance of certificates / accounts after death is permitted under POSB rule. Some schemes
are not permitted to continue after death such as SB. Please refer POSB manual and SB Orders published
from time to time.) Name of holder can be changed through menu HAALM.
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12. SB10(b)/NC-32/Claim Application Form to be preserved at CBS Post Office where the transaction is initiated.
13. If the certificates /accounts belong to the period of pre-migration, an intimation of discharge / sanction
memo / closure intimation should be sent to the office where the certificates /accounts stand by service
registered post which will make discharge / closure entry in the Purchase Application / AOF etc.
14. Inter SOL transactions are adjusted at CBS-CEPT, Chennai at some fixed timing. Hence this transaction(s)
must be verified immediately. It is an EOD Blocking Validation.
Special Circumstances / scenarios of Inter SOL Transaction:

1. When a Certificate holder attends CBS Post Office from where Certificates were purchased for transfer of
certificates to another CBS Post Office (SB Order No. 8/2014)
Request politely that there is no need for transfer of certificates as on maturity; payment can be taken from
any CBS Post Office after giving NC-32 & fresh KYC documents.
2. When a Certificate holder attends any CBS Post Office other than Home SOL to encash certificates either on
maturity or for premature closure (SB Order No. 7/2015)
Procedure is same as given above. However, the same is reproduced below in short.
Confirm genuineness of certificate in HACLI. Verify holder’s signature. Obtain NC-32 & fresh KYC documents.
After proper verification of KYC documents, Certificates first be transferred IN by using HACXFSOL. Customer's
new address and mobile number should be entered through account modification menu and it should be
verified by Supervisor. Then payment should be made by crossed cheque or credit to savings account.
An intimation of Transfer/Discharge should be sent to the office of issue by service registered post which will
make Transfer/Discharge entry in the Purchase Application (in case of old certificates) or AOF. NC-32 and KYC
documents should be preserved in the CBS Post Office
3. When any claimant (in case of death of holder) presents certificates issued by another CBS Office along with
claim application form for payment or transfer to the claimant's name (SB Order No. 7/2015)
Procedure is same as given above. However, the same is reproduced below in short.
In CBS environment, claim form can be submitted at any CBS post office. On receipt of claim form, user has to
enter date of death in the CIF and Supervisor has to verify. Claim has to be settled as per procedure. After
sanction of claim, if claimant wants payment, procedure mentioned in scenario 2 should be followed. If
claimant wants to transfer of certificates in his/her name, open new CIF in his/her name based on new AOF(if
no CIF is available in his/her name) and attach the existing Certificates (Accounts) with new CIF. Name of
holder can be changed through menu HAALM.
An intimation of Sanction of Claim/Transfer/Discharge along with copy of sanction memo should be sent to
the office of issue by service registered post which will make Death/Transfer/Discharge entry in the Purchase
Application (in case of old certificates) or AOF.
Claim Application Form and KYC documents of claimant and Account Opening Form (AOF) should be preserved
in the CBS Post Office. If certificates are transferred in the name of claimant, KYC Form has to be taken from
the claimant and sent to CPC of the office where claim is sanctioned. CPC will scan the Photograph and
signature and attach the same with new CIF
4. When Account Holder of MIS/SCSS/TD scheme approaches CBS Post Office, where account stands for transfer
of accounts before maturity to another CBS Post Office (SB Order No. 8/2014)
Same as scenario-1 & 5. Withdrawal of Monthly/quarterly or Yearly interest and closure on maturity can be
done at any CBS Post Office. Closure payment should not be made by cash in any case.
5. When Account Holder of MIS/SCSS/TD scheme approaches any CBS Post Office for taking interest or closing
accounts (SB Order No. 7/2015)
Confirm genuineness of certificate in HACLI. Verify A/c holder’s signature.
Interest Payment: Interest should be made to the account holder as per process being followed for normal
withdrawal.
Closure: Same as scenario-2. However, the same is given in short. Obtain SB-10(b) & fresh KYC documents.
After proper verification of KYC documents, A/c first be transferred IN by using HACXFSOL. Customer's new
address and mobile number should be entered through account modification menu and it should be verified
by Supervisor. Then payment should be made by crossed cheque or credit to savings account (where required
KYC documents have been taken and signatures are available in the system).
An intimation of Transfer/Closure should be sent to the office from where the account was transferred by
service registered post which will make Transfer/Closure entry in the Original AOF. SB-10(b) and KYC
documents should be preserved in the CBS Post Office.
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6. When any claimant presents documents for preferring claim (in case of death of depositor) in respect of any
MIS/SCSS/TD/RD/PPF account(s) stand at another CBS Office alongwith claim application form for payment or
transfer of account (RD/TD/SCSS {only spouse}) in the name of claimant (SB Order No. 7/2015)
Procedure is same as given above for CC in scenario-3. However, the same is reproduced below in short.
Death should be noted in the relevant field in CIF of deceased depositor. Supervisor to verify. Claim has to be
settled as per procedure. After sanction of claim, if claimant wants payment, procedure mentioned in
scenario 5 should be followed.
If claimant wants to transfer RD/TD/SCSS (only spouse) account in his/her name, open new CIF (based on new,
Account Opening Form (AOF), KYC Form & KYC documents) in his/her name (if not already exists) and attach
the existing Accounts with new CIF. Name of holder can be changed through menu HAALM.
Claim Application Form and KYC documents of claimant or Account Opening Form (AOF) should be preserved
in the CBS Post Office. In case account(s) is/are transferred in the name of claimant, KYC Form has to be
obtained and sent to CPC of the office where claim is sanctioned. CPC will scan the Photograph and Signature
and attach the same with new CIF.
7. When a Certificate holder whose certificates stand at CBS post office wants payment of matured certificates at
non CBS Post Office (SB Order No. 8/2014)
(a) Non-CBS post office: Postmaster should ask customer to submit application with contact number on plain
paper in duplicate requesting payment at non- CBS post office; to submit original certificates duly signed on
the back and fresh KYC documents for identification. Postmaster will accept KYC documents on the
application for payment under dated signatures and send original certificates and application for payment
duly accepted under his dated signatures attesting holder’s signature with designation stamp by service
Insured Post to the Postmaster of CBS Post Office from where certificates were purchased. He will enter
details of certificates and holder (including contact number) in a register to be maintained in manuscript.
(b) CBS post office: On receipt of Insured, Postmaster will open the same and enter details of certificates and
holder (including contact number) in a register to be maintained in manuscript & verify the same. On satisfying
himself that Postmaster of Post Office (Non CBS) has attested signatures of holder on the application, will
transfer original certificates to the CBS counter. Further process for discharge of certificates will be followed at
the CBS Post Office. A crossed Postmaster cheque for the maturity amount will be prepared in the name of
holder and handed over to the Postmaster. Entry of the cheque will be made in the same register and cheque
will be sent by service Insured Post to the Postmaster of the Post Office (non CBS) from where certificates
were received. Insured Letter number and receipt should be entered in the register and receipt will be pasted
against the entry.
(c) Non-CBS post office: On receipt of Insured letter at the Post Office (non CBS) from where certificates were
sent, Postmaster will open the Insured Letter, enter Insured Letter number and cheque number as well as date
in the register against the entry which was made at the time of sending the certificates. Certificate holder
should be called over phone to receive the cheque. When certificate holder attends post office, cheque should
be handed over to him under receipt in the register against the relevant entry.
Note: Process involves risk as original certificate will move.
8. Application for transfer of certificates sent for verification by non CBS post office and on receipt of verification,
post office migrated to CBS (SB Order No. 8/2014)
The Postmaster will send such requests to the divisional head who will inform the certificate holder and
arrange payment from the nearby non-CBS Post Office.
9. Advice of Transfer (AT), issued by a non CBS HO received at CBS HO or SO (SB Order No. 8/2014)
Account Holder should be contacted and requested to provide name of any nearby non CBS Post Office for
opening of account. On getting such information, account will be opened on transfer in that office.
10. An account holder of a CBS Post Office applies for transfer of account to any Non CBS Post Office or any
account holder of non-CBS post Office to a CBS Post Office (SB Order No. 7/2015)
Transfer of account from CBS Post Office to Non-CBS Post Office and vice versa is not allowed. Before issue of
AT, list of CBS Offices should be consulted from DMCC Chennai website and if that post office is already in the
list of CBS Post Offrces, AT should not be issued. Account holder should be advised accordingly.
11. Inter CBS Post office Transactions (INTERSOL TRANSACTIONS) (SB Order No. 7/2015)
Procedure is same as given above. However some important points are reproduced below in short.
In CBS environment, transactions can be initiated in any CBS Post Office.
Financial Transactions: Any depositor of Savings, RD, TD, MIS, SCSS, PPF or Certificates can initiate Financial
Transactions at any CBS Post Office. In respect of accepting deposits, no extra care is required to be taken. As
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regards, payment of maturity value of MIS/ RD/ SCSS/ TD/ PPF/ Certificates, procedure given in the relevant
scenario should be followed (scenario: 2 & 5). Withdrawal from savings Account for more than for Rs.50,000/- , it
should be allowed only if signatures are available in the system and are tallied.
All Financial Transactions should be verified immediately by Supervisor/SPM at the same office when initiated by
PA. Amount of the transaction would also appear in Consolidation of the same office. No transaction would
appear in the office where account / certificate stands. Extra care should be taken at the time of such transactions.
Non-Financial Transactions: Non-Financial transaction like modification in account or CIF can be made only the
office where account stands (Home SOL) and it should be supported by documentary proof. In case of change in
name or photograph or address, fresh KYC Form (in duplicate) has to be obtained with documents and one copy of
KYC Form has to be sent to CPC for scanning of fresh photograph or signature.
But in case of Death Claim, the Post Office (SOL) which receives the claim application needs to modify CIF to note
Death of deceased depositor in the relevant field in CIF
All Non-Financial Transactions should be verified immediately by Supervisor/SPM at the same office when initiated
by PA.
Regarding modification of CIF at other SOL, DTE has further clarified as under.
(a) If KYC information i.e Name. Address and Photo are to be updated, this should be done only in Home SOL.
Other than that non-financial modification can be done at any SOL. If KYC is to be updated, all accounts under
that CIF have to be transferred to the SOL where change is requested and then CIF Modification can be done
and KYC Form is to be preserved and one copy sent to CPC for scanning of signatures and photo (if change is
asked for).
(b) In case of PMSBY and PMJJBY, only Date of birth and Gender is to be updated and this can be done in any SOL.
(c) PAN information can be updated at any SOL.
(d) Status of 15 G and H can be updated only where account stands as these forms are to be preserved and sent
to Local Income Tax Commissioner.
After going through different documents, an indicative list of non-financial transactions that can be done at other
SOL (Inter SOL) has been prepared as under.
Sl. Non-financial transactions that cannot be done Non-financial transactions that can be done at other
No. at other SOL (Inter SOL) – Restricted by order SOL (Inter SOL)
1 CIF: Modification in Name. Address, Specimen CIF: Updating of Date of birth, Gender, PAN & Death
signature, Photo & No Tax updating. information. Duplicate CIF merger.
2 A/c Name change (HAALM): Depositor name Verification of A/c Name change (HAALM):
change Depositor name change
3 Issue of duplicate certificates Issue of duplicate Passbook.
4 A/c Modification: Status of 15 G and 15H. Standing Instruction (SI) entry – SB to RD
5 A/c conversion (Single to Joint, Joint to Single,
Minor to major)
6 Freeze, Unfreeze, Pledge & Release
12. Duplicate certificate / Pass Book issue (SB Order No. 8/2014)
(a) A Certificate holder of CBS Post office, lost certificates and wants to get duplicate certificate issued
Certificate holder can apply for issue of duplicate certificates only at the CBS post office from where,
certificates were issued. Process of issue of duplicate certificates should be started and completed by that
CBS Post Office only. On completion of formalities, Duplicate Certificates can be issued following the
procedure mentioned in scenario-11 of SB Order No.8/2014. Steps are also given under module “Cash
Certificates: KVP / NSC : Issue / Printing of duplicate certificate”
(b) An account holder of a CBS post offices wants to get duplicate Pass book issued
Duplicate Passbook can be issued by any CBS Post Office after following the laid down procedure of issue of
duplicate Passbook.
13. No issue
14. A customer wants to do re-investment of matured amount in CBS post office (SB Order No. 7/2015)
No re-investment should be accepted if customer does not have a savings account in a CBS Post Office or customer
is not ready to open new savings account, in such a case, payment should be made by Postmaster Cheque only.
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Procedure:
(a) Customer should be asked if he/she has a Savings Account in any CBS Post Office. If yes, then signature in that
account available in the system should be tallied with the signature on the Closure Form or Certificate & if not,
customer should be asked to open new Savings Account under the same CIF (fresh KYC documents and Form
should be taken if account/certificate matured belong to pre-migration period). Customer should write on the
receipt side of the Account Closure Form or Certificate, the amount to be re-invested, name of scheme and
Savings Account number under his/her signatures (OR fill re-investment form as per SB Order No.24/2010).
(b) If new AOF is presented for re-investment, under the filed "Mode of Deposit", he/she has to write Savings A/c
No. No separate withdrawal form is required.
(c) This transaction has to be treated non-cash transaction for the purpose of eligibility of commission to agents
(if AOF contains detail of agent). Once Postmaster/Sub Postmaster is sure about genuineness of the depositor
(from signatures/ photograph/ any other identification), total maturity value + interest should be credited into
that Savings Account and then amount to be re-invested should be debited/withdrawn from this savings
account and credited/deposited in the concerned new account while funding.
 Payment (by Cash / Cheque / Transfer) & Repayment (Credit) A/c

A. Payment (by Cash / Cheque / Transfer)
12. Payment can be done in three modes: By Cash / Cheque / Transfer).
2. Payment by cash:
(a) Below INR.20000/-: Any withdrawal & closure below INR.20000/- for other than SB can be paid by cash. In SB
there is no restriction, and any amount can be paid by cash.
(b) Cash payment limit in death claim has been increased (less than INR.20000/- can be paid by cash (SB Order
No. 12/2015 & 15/2015).
(c) Irrespective of amount, cash payment may be avoided in the following cases:
I. Inter SOL transaction (withdrawal & closure) -– Preferred Transfer to SB A/c or Cheque*.
II. Death claim settlement. ----------------------------– Preferred Transfer to SB A/c or Cheque*.
III. Refund of TDS. ---------------------------------------– Preferred Transfer to SB A/c or Cheque*.
IV. RD Loan Disbursement & Repayment. -- -------– Preferred Transfer to SB A/c or Cheque*.
V. NSC/KVP Bulk Closure. ------------------------------- Preferred Transfer to SB A/c or Cheque*.
VI. Forfeiture. ---------------------------------------------- Preferred Cheque*.
VII. Payment to NRI. ---------------------------------- Preferred Cheque*.
3. Payment by Cheque: Use of Postmaster’s cheque has been restricted vide SB Order No. 12/2015, 15/2015 &
17/2015. However payment through cheque is allowed in the following cases / instances.
(a) Amount equal to or above INR.20000/- for any withdrawal & closure other than SB (especially POSB
schemes which have maturity value) but Postmaster /Sub Postmaster is satisfied that depositor is
genuinely not in a position to open Savings account.
(b) Transactions specified in 2(b) above (Irrespective of amount cash payment may be avoided).
(c) Cheque payment is allowed in forfeiture, depositor becomes NRI after investment, multiple nominees /
legal heirs in death claim, PPF Transfer to bank, any other case where Postmaster /Sub Postmaster is
satisfied that depositor is genuinely not in a position to open Savings account & in Savings A/c (cheque
payment is at the request of depositor). (SB Order No. 12/2015, 15/2015 & 17/2015).
6. Payment by Transfer: To customer’s SB A/c or to Office A/c.
- Reinvestment. The maturity amount of POSB scheme needs to be transferred to customer’s Savings A/c (Use
of office A/c 0387 discontinued vide SB Order No.7/2015). On new investment, the appropriate amount may
be transferred to new scheme. The balance amount will be in customer’s Savings A/c.
- Transactions specified in 2(b) above (Irrespective of amount, cash payment may be avoided).
- Besides above, transfer transaction can be done irrespective of amount.
7. Payment mode – Consolidated brief of authorized mode
Payment type Authorized Payment mode Remarks / SB Order, if any
1 Open on Transfer from Savings A/c Transfer from Savings A/c If primary CIF are same. SB Order
Nos. 7/2015, 12/2015, 15/2015,
17/2015
2 Withdrawal from SB (Home SOL) Cash or Cheque As per customer
3 Withdrawal from SB (Inter SOL) for Transfer to SB A/c or Cheque* After verifying SS in system. 7/2015
Rs.50000/- or above
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4 Inter SOL transaction (withdrawal & Transfer to SB A/c or Cheque* 8/2014 & 7/2015
closure)
5 Death claim settlement Transfer to SB A/c or Cheque* 8/2014, 7/2015, 12/2015, 15/2015,
17/2015
6 Refund of TDS Transfer to SB A/c or Cheque*
7 RD Loan Disbursement & Transfer to/from SB A/c or
Repayment Cheque*
8 NSC/KVP Bulk Closure Transfer to SB A/c or Cheque*
9 Payment of maturity / Prematurity Transfer to SB A/c or Cheque* Below INR.20000/- may be paid by
value for INR.20000/- or above cash.
10 Re-investment (INR.20000/- or Transfer to SB A/c Through Agent treated as non-cash.
more)
11 Forfeiture Cheque 12/2015, 15/2015, 17/2015
12 Payment to NRI Cheque 12/2015, 15/2015, 17/2015
* Condition applied for cheque payment
 Uses of Office Account 0387 for re-investment has been discontinued vide SB Order No.07/2015 dated
18.06.2015. Restriction has been imposed on use of office A/c 0382 (Outward cheque Clearing Cr. A/c for
new A/c opening) w.e.from 15.10.2015/01.11.2015 & on use of office A/c 0340 (Postmaster’s Cheque A/c)
w.e.from 15.10.2015 and the relaxation is extended up to 31.12.2015 only. From 01.01.2016, office A/c
0382 & 0340 should be used restrictly and in some exceptional & exigency cases.
 All Closure Maturity Values/ Premature Closure Values / Death Claim values of any Account/
Certificate (if value is Rs.20,000/- or above) should be credited to the Post Office Savings
Account of the Customer/ Legal Heir/Nominee only in all CBS Post Offices if Savings A/c exists.
 However, in case of extreme exigencies like a Bank or any Institution presenting
Certificates after forfeiting security, any depositor becomes NRI after investment and
now wants to take maturity value only, the claim case where there are multiple
nominees/legal heirs or any other case where Postmaster /Sub Postmaster is satisfied
that depositor is genuinely not in a position to open savings account immediately or
the customer is unwilling to open savings account immediately, may issue cheque for
the maturity/prematurity value.
B. Repayment A/c: It is nothing but a customer’s SB A/c to which inflow of transactions happen either through
auto transfer or while performing the transaction or as an EOD batch job, such as Interest outflow of
MIS/TD/SCSS, closure proceeds of different POSB schemes. If the SB A/c is a Dormant or Discontinued a/c
transfer to/from will not take effect. Interest outflow of MIS/TD/SCSS as an EOD batch job will not get auto
verified and will remain in Entered Stage causing EOD Blocking Validation. Neither Counter PA nor Supervisor
will able to post or verify until it is permitted & changed by the authorized authority at the higher level.
 Pay, Other Bill & SB Bulk Uploading

(a) Command / Menu: Pay & Other Bill Uploading (Assigned to System Administrator)
Pay & Other Bill Uploading Menu Type
1 Upload Salary/Pension text files ---- HTTUM T
2 Salary/Pension Uploading report generation HFINRPT HFINRPT T
3 Salary/Pension Upload report view / print HPR HPR T
4 Generation of List of pension accounts HACSP HACSP T
GPOs/HOs should upload Salary and Pension in the A/cs standing at CBS Post Offices (GPOs/HOs/SOs). Even
BO/GDS staff whose Salary/Pension A/cs stand at CBS Post Offices, also to be uploaded by GPOs/HOs. Office A/c
of GPOs/HOs for Salary and Pension should only be used and Office A/c of SO must not be used. These will not
appear in general SB LOT. SO A/cs will be treated as Inter SOL transactions. CTM or CXFER is also not to be used for
depositing Salary and Pension at GPOs/HOs/SOs. After uploading, only the intimation slip may be sent to the
offices.
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Salary/Pension text files should be uploaded only once and after uploading HPR should be compulsorily be checked
for OFTI report, upload success report and upload failure report. Generation of report may take up to 30 minutes
some times, If no relevant report is generated immediately, it is required to wait for minimum 30 minutes before
uploading the same file again.
In case multiple postings are initiated due to multiple time uploading, it requires reversal entry. HTTUM postings
report can be taken from HFINRPT menu.
Creation of excel file

Salary credits Pension credits
An excel file containing Finacle Account number, Credit An excel file containing Finacle Account number, Credit
Amount and remarks (eg. Salary for Feb.14) should be Amount and PPO Number should be generated
generated separately. separately.
The excel file should not contain column headers and total; also, the account numbers should be exactly
typed as available in Finacle including the prefixed zeroes.
Conversion of excel file to Finacle format

Run the file ‘TTUM.exe’. Select ‘Credit / Debit’ option and then the option (Salary / Pension / Others). Enter your
SOLID. Then, click on ‘Create Finacle Format File’ option. Select the excel file needs to be uploaded. The excel file
will be converted into Finacle format and message mentioning the file name / no. of accounts along with total
amount included in text file will be displayed.
If the excel file is not in the required format, the conversion will fail and error message will be displayed.
Required corrections should be made in excel file and then conversion has to be done using the new excel file.
Select Credit for Salary & Pension and Debit for NREGS Branch adjustments.
Salary credits Pension credits
Debit A/c – SOL ID+0409. Credit=SB A/c of Employees Debit A/c – SOL ID+0408. Credit=SB (Pension) A/c of
Pensioners
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Credit (Deposit) for NREGS Branch Debit (Withdrawal) for NREGS Branch adjustments
adjustments
Use NregaFilanclePayment Tool provided by SDC /

DMCC Chennai for preparing the data to upload to
Finacle.
Debit A/c–SOL ID+0410. Credit =SB A/c of workers
Credit A/c–SOL ID+0339. Debit =SB A/c of workers
Any other changes in selection may affect the Credit/Debit adversely as under.
Trans-Option Credit (Deposit) Debit (Withdrawal) Remarks
selection
Debit – Salary SOL ID+0339 SB A/c of Employees Wrong process.
Debit – Pension SOL ID+0339 SB (Pension) A/c of Pensioners Reversal to be
Credit – DBT SB A/c of workers SOL ID+0410 done.
Credit – Others SB A/c of workers SOL ID+0340
Sample Excel Files – Salary Sample Excel Files – Pension

0123456789 30000 Salary for Feb.15 0987654321 33912 Pension for Feb.15
Sample – Salary Files – Converted to Finacle Format Remarks

0123456789 INR75100100C 30000.00Salary for Feb.15-Mar_2015 Salary for Feb.15-Mar_2015 means, “Salary for
0789123456 INR75100100C 45000.00Salary for Feb.15-Mar_2015 Feb.15” was entered in excel file & “-Mar_2015”
7894561230 INR75100100C 25519.00Salary for Feb.15-Mar_2015 is added by software. It means Salary of Feb.15
8945612307 INR75100100C 28923.00Salary for Feb.15-Mar_2015 paid in Mar.15.
751001000409 INR75100100D 129442.00SALARY for Mar_2015 Last line of TXT file indicates -> 751001000409
(Debit Office A/c – SOL ID+0409); INR=Currency;
75100100 (SOL ID); D=Debit; 129442= Total
salary credited.
Sample – Pension Files – Converted to Finacle Format Remarks
0987654321 INR75100100C 33912.00Pension for Feb.15-Mar_2015 Same as above except following changes.
0789654123 INR75100100C 25489.00Pension for Feb.15-Mar_2015 Item Read as
1243569870 INR75100100C 28786.00Pension for Feb.15-Mar_2015 Salary Pension
7856491230 INR75100100C 30789.00Pension for Feb.15-Mar_2015 Office A/c 751001000408 (SOL ID+0408)
751001000408 INR75100100D 118976.00PENSION for Mar_2015 118976 Total pension credited.
Uploading the file in Finacle

In Finacle the file has to be uploaded on the day of credit only; i.e. For February on 28/02 morning only.
Menu ‘HTTUM’ is to be used for uploading the file in Finacle. The menu is available for System Admin work class.
 Enter ‘PM’ in ‘Report To’ field. → Select the transaction sub type as ‘Transfer – Bank Induced’. → Select ‘Trial’
for Action. Select ‘On Successful Upload’ for ‘Rename File after Upload’ option. → Select ‘Local File Path’ and
click on ‘Submit’ button (or Press F10). → Next screen with ‘Browse’ button will be displayed; select the text
files generated using ‘TTUM.exe’ and click on ‘Go’ button (or Press F4). →A message ‘Batch program
successfully initiated’ will be displayed. Go to HPR to see the success / failure report.
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 If failure report is generated, the errors such as invalid account number, should be corrected in the excel file
and the excel file is to be converted again into finacle format using ‘TTUM.exe’. → After success report is
generated, you have to proceed with the following steps.
 Invoke ‘HTTUM’ menu in System Admin login. →Enter ‘PM’ in ‘Report To’ field. → Select the transaction sub
type as ‘Transfer – Bank Induced’. → Select ‘POST’ for Action. → Select ‘On Successful Upload’ for ‘Rename
File after Upload’ option. → Select ‘Local File Path’ and click on ‘Submit’ button (or Press F10). → Next screen
with ‘Browse’ button will be displayed; select the correct text file generated using ‘TTUM.exe’ and click on ‘Go’
button (or Press F4). → A message ‘Batch program successfully initiated’ will be displayed. Go to HPR to see
the success / failure report.
 In the report, the transaction id will be displayed (e.g. S19873). Note down the transaction ID.
 Check whether the ‘Salary account’ (SOLID0409) / ‘Pension account’ (SOLID0408) is debited for the entire
amount and also check the individual credit of salary & pension for each account.
 Salary and Pension account will always be in Credit to that extent of salary and pension payment made. The
Debit (Dr.) should be equivalent to the salary or pension credited for the month. It is the duty and responsibility
of the Supervisor to ensure that the amount debited from Salary and Pension account is equivalent to the
credits made in respective salary and pension accounts.
 HTTUM report available in HFINRPT is to be used for taking print out of the transactions created in TTUM.
Debit (Withdrawal) for NREGS Branch adjustments

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

Menu Type
6 Data entry for PMJJBY & PMSBY CPMY CPMY V
7 To get the total amount collected CUUTR These two are work of
all over India Sansad Marg HO, New
8 Update UTR Number and Amount CUUTR Delhi
after RTGS
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Some Important Tips & Features on PMJJBY & PMSBY:
1. PMJJBY & PMSBY is introduced in Dept. of Posts vide SB Order No.10/2015 dated 04.09.2015.
2. The schemes can be operated only through CBS Post Offices.
3. The depositor (Insurant) should have Savings A/c in CBS Post Office or ready to open new savings A/c in
CBS Post Office.
4. Brief of the scheme
Item PMJJBY PMSBY

1 Insurance provider Life Insurance Corporation of National Insurance Company
India (LIC) Limited (NIC)
2 Insurance coverage Rs.2 lakh Rs.2 lakh
3 Annual premium Rs,330/- Rs.12/-
st st
4 Enrolment / Validity period from 1 June or Date of Enrollment to 31 May
Eligibility criteria
5 Citizen Indian Citizen
6 Holding of Account Savings A/c in CBS PO or ready to open new Savings A/c in CBS PO
7 Age Completed 18 Years but not completed 50 years
Minimum Balance in Savings A/c
8 Normal Non-CQ Rs.380/- Rs.62/-
9 Cheque A/c Rs.880/- Rs.512/-
10 Zero balance Account (Basic Rs.330/- Rs.12/-
Savings A/c)
5. Fields with * mark in Enrollment Form are mandatory and has to be filled and if depositor is illiterate, a
literate person has to sign (with address) as a witness on the form.
6. PA will go to IES menu and verify signatures on the Form (if depositor is literate) and tally signatures with
signatures in Finacle.
7. If signatures are tallied, PA will invoke Finacle menu CPMY for data entry.
8. Nomination is mandatory.
9. At the end of the day, all these withdrawals will appear in the SB LOT and SB Consolidation of respective
SO/HO.
 PMJJBY – Brief Menu Operations

1. Verification of  On receipt of filled in Enrolment Form, PA to verify & see the form is filled in
Enrolment Form correctly. Find Savings A/c & CIF exists for the insurant and check in Finacle.
 If Savings A/c & CIF exist
2. Verification of IES  If Savings A/c exists, verify Signature available in Finacle with signature in Form.
Signature  IES → A/c Type – N-Normal A/c → A/c ID – Give Savings A/c No. → Leave all other
fields blank → Go. In the next screen Signature will be displayed if found.
3. Data CPMY  CPMY → Go → Function A-Add → Account ID – Give Savings A/c No. & click on
verification & outside → PM Yojana (Scheme) – Select PM Jeevan Jyoti Bima → Go.
entry  A new screen will open showing following fields auto-populated:-
“CIF ID, SOL ID, Name of Depositor, date of Birth (default date if not yet corrected
in CIF), Gender, Nominee name (if available), Nominee relationship (if available),
Address of Depositor, Address of Nominee (if available), Account Type, Aadhar
Number (if available), PAN Number (if available), Applicant’s Age (based on DOB),
Phone number (if available), E mail ID (if available)”. User need to verify the data
to ensure correctness especially the mandatory fields (Name, Date of birth,
Gender, Nomination etc.) → Click on Submit to accept the proposal and deduct
the premium.
 If any of the mandatory fields is not auto-populated or wrongly populated, user
needs to correct it in CIF / Savings A/c. Nomination can be entered in CPMY
screen.
 If Error: - “Age of the applicant is more than the maximum age allowed for this
policy” comes, then go to CMRC, verify & enter correct date of Birth & Gender.
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 If Error: - “Account Balance not sufficient for the premium debit”, then go to
HACLI , verify balance & advise insurant to deposit.
4. CIF modify CMRC  CIF to be modified following the procedure of CIF modification and Supervisor to
verify the CIF modification.
5. Modify Savings CASBAM  Function M-Modify → Modify the Savings A/c to rectify mistakes if any and to Add
A/c Nomination (Nomination for PMJJBY can also be done from menu CPMY).
Supervisor to verify the modification.
5. Data CPMY  After complying the above, PA to invoke menu CPMY again and perform the job
verification & as given above including nomination. On completion click on SUBMIT. Supervisor
entry to verify. Supervisor to enter Savings A/c Number to see the information. Once
he/she is satisfied, he will click on SUBMIT. At this time amount will be
withdrawn (debited) from Savings Account and will be credited to PMJJBY
Premium Office Account of Sansad Marg HO (SOL ID-11000100).
 If Savings A/c & CIF do not exist
6. AOF verification  Advice the insurant to give filled in AOF. Verify the same.
7. New CIF CCRC  Create new CIF following the procedure of new CIF creation. Supervisor to verify.
creation
8. New Savings CASBAO  Create new CIF following the procedure of new CIF creation. Supervisor to verify
A/c creation (CASBAV).
9.Data verification CPMY  After complying the above, PA to invoke menu CPMY again and perform the job
& entry as given above including nomination. On completion click on SUBMIT. Supervisor
to verify as given above.
 PMSBY – Brief Menu Operations

 Same as PMJJBY. But select PMSB (PM Suraksha Bima) in place of PMJJBY.
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 Public Provident Fund (PPF) A/c
(a) Command / Menu: PPF
Menu
Public Provident Fund (PPF) A/c Menu Type
1 PPF New A/c Opening CPPFAO CPPFAV V
2 PPF New A/c Modify before Verification CPPFAOM CPPFAV V
3 New A/c Modify after Verification CPPFAM CPPFAM V
4 Modify existing PPF A/c PPFAMAVF / PPFAMAVF / V
CPPFAM CPPFAM
5 Funding – Deposit in PPF CPDTM CPDTM V
6 Withdrawal from PPF CPWTM CPWTM V
7 Extension of PPF HCEXTN HCEXTN/PPFAEXT V
8 Transfer in / Out of PPF A/c – CBS PO to CBS PO HACXFSOL HACXFSOL V
9a PPF Transfer in from Bank or a non-CBS PO to a CBS PO CPPFAO/PPFAO CPPFAV V
9b To edit transaction text file of Bank HTRFTOUN ----
9c To upload transaction text file of Bank CTUPLD CTUPLD V
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10 PPF Transfer in from Bank processing (1 Supervisor to CTPROC CTPROC TV
do, then PA)
11 Zeroing of PPF interest for the financial year in case of ---- HINTTM TV
Transfer-out to Bank (Run from Postmaster login &
verify by another Supervisor)
12 PPF Transfer out to Bank (To be initiated by supervisor HCAAC HCAAC TV
and be verified by another supervisor)
13 Closure of PPF on maturity HCAAC HCAAC V
14 Pre-mature / Claim Closure of PPF (To be verified by ---- HCAAC TV
another Supervisor)
PPF LOAN
1 PPF Loan A/c Opening CLPPFAO / PPFLAO CLPPFAOV / PPFLAVF V
2 PPF Loan A/c Modify before Verify CLPPFAOM/PPFLAMBV CLPPFAOV / PPFLAVF V
3 PPF Loan A/c Modify after Verify / CLPPFAM / PPFLAMAV CLPPFAM / PPFLAMAV V
Modify existing PPF Loan A/c
4 PPF Loan Disbursement and Interest CPWTM / PPFWLINT CPWTM / PPFWLINT V
Recovery
5 PPF Loan Repayment (Principal) CPDTM / PPFDPLR CPDTM / PPFDPLR V
Closure of PPF Loan A/c (Use CPDTM to pay principal) Then following steps.
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6 PPF Loan Process (1 Step of Closure) ---- CLPR T
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7 PPF Loan Int. Run (2 Step of Closure) HACINT ----
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8 Closure of PPF Loan (3 Step of Closure) HCAAC HCAAC V
Date of Introduction of PPF: In Bank-01.07.1968; Post Office-01.01.1979 (HO-01.01.1979, LSG & above-
01.01.1988, A Class-01.07.2011, B Class-09.01.2015, C Class- Not yet authorized).
Some Important Tips on PPF A/c:

1. Base: A 15years (Financial years) scheme and all calculations are based on Financial Year.
2. Subscription: Deposit is called subscription. Minimum prescribed subscription has to be deposited in
every financial year. Else A/c will be treated as default and default fee is to be paid along with
subscription. There is also maximum deposit limit. PPF A/c can be opened with initial amount of
INR.100/-, but the minimum balance should be *INR.500/- in the first financial year. Else the A/c will be
treated as invalid and to be closed without interest. (* Dte email on 29.04.2015 at 2231hrs).
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3. Loan Timing: 1 loan can be taken in third financial year from the year of opening of A/c. e.g. A/c Open:-
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1978-79; 1 loan allowed in – 1980-81. Subsequent loan is allowed on repayment of earlier loan with
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interest. No loan is allowed from 6 (sixth) financial year from the end of year of opening of A/c (loan is
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allowed only up to end of 5 year from the end year of opening of A/c). E.g. A/c Open:- 1978-79; Loan
can be given up to: 31.03.1984 (1983-84). From 01.04.1984 loan is not allowed in the said A/c.
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4. Loan Amount: Maximum 25% of the balance at the end of 2 year preceding the year of loan application.
E.g.1. A/c Open:- 1978-79; Balance as on 31.03.1979=INR.20000/-; 1st loan allowed in – 1980-81; Maximum
Loan amount=25% of 20000/- (Balance as on 31.03.1979) i.e. INR.5000/-.
E.g.2. A/c Open:- 1978-79; Loan applied on 10.02.1982 (Financial year 1982-83); Balance as on
31.03.1981=INR.80000/-; Maximum Loan amount=25% of 80000/- (Balance as on 31.03.1981) i.e. INR.20000/-.
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5. Withdrawal Timing: One withdrawal in a financial year. 1 withdrawal is allowed after expiry of 05 years
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from the end of year of year of opening of A/c (i.e. withdrawal is allowed from 6 (sixth) financial year
from the end of year of opening of A/c).
E.g.1. A/c Open:- 1978-79; 1st withdrawal will be allowed in – 1984-85; From 1984-85 onwards one
withdrawal is allowed every year.
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6. Withdrawal Amount: Maximum 50% of the balance at credit at the end of 4 year preceding the year of
withdrawal or at the end of the preceding year, whichever is lower. This is not applicable to
extension period.
E.g.1. A/c Open:- 1978-79; 1st withdrawal is allowed in – 1984-85; Maximum withdrawal amount in 1984-
85=50% of Balance as on 31.03.1981 or 50% of Balance as on 31.03.1984 whichever is lower. If Balance as on
31.03.1981=INR.20000/- & Balance as on 31.03.1984=INR.60000/-. Withdrawal amount=INR.10000/-.
E.g.2. In the above case if withdrawal is again applied on 10.02.1986 (Financial year 1985-86); Maximum
withdrawal amount in 1985-86=50% of Balance as on 31.03.1982 or 50% of Balance as on 31.03.1985
whichever is lower. If Balance as on 31.03.1982=INR.40000/- & Balance as on 31.03.1985=INR.80000/-.
Withdrawal amount=INR.20000/-.
7. Closure: The A/c can be closed on maturity after expiry of 15years from the close of financial year in
which initial subscription was made. However, it is optional and the A/c may continue with or without
subscription as per rules specified. E.g.1. A/c Open:- 1978-79; A/c Closure on or after 01.04.1994.
8. Extension: Extension period is governed by separate set of rules.
- On expiry of maturity period, the A/c may continue with or without subscription for a block period of 05
years at a time. Maximum extension is for 15years (03 blocks of 05years, i.e. 5+5+5=15years).
- PPF extension without subscription is treated as auto extension for earning interest. Neither deposit nor
withdrawal is allowed. Closure of PPF A/c is permissible during extension period.
- To avail the facility of subscription deposit or withdrawal, A/c to be extended invoking menu.
- If deposit is tried without extension, Finacle will prompt to perform Extension before deposit.
9. Withdrawal Amount in Extension Period: One withdrawal in a financial year. It is subscription
dependent. No subscription, no withdrawal. Total amount of withdrawal during the 05 years block
period, shall not exceed 60% of the balance at his credit at the commencement (beginning) of the said 05
years block.
E.g.1. A/c Open:- 1978-79; 1st extension for 05 years block made on 01.04.1994 (Financial year 1995-95) with
balance at credit for INR.02Lakhs. INR.1,20,000/- can be withdrawn during the 05 years block from 01.04.1995
to 31.03.1999.
10. Repayment of Loan & Withdrawal: Loan amount is to be repaid with prescribed interest within 36
months. Withdrawal amount is not required to be repaid.
11. PPF claim closure & transfer out closure from post office to Bank can be done at HO as the transaction has
to be initiated by supervisor and verified by another supervisor.
 PPF A/c – Brief Menu Operations
Open PPF A/c CPPFAO /  Function – O-Open →CIF ID →Scheme code- select from searcher → Go →
PPFAO Mode of Operation - Select from Searcher → Document details - A/c
Documents Recd – Yes → No. of Documents Recd → Nomination Details - If
Any fill it → Submit. Note A/c ID. Supervisor To Verify – Menu – CPPFAV.
Modify PPF A/c PPFAMBV /  Function – Modify → A/c ID →Click on Go →Amend details → Click on
before verification CPPFAOM Submit for Verification
Verify PPF A/c CPPFAV  Function – Verify →A/c ID →Click on Go → Click on Submit
Opening
Modify existing PPF PPFAMAVF  Function – Modify →A/c ID →Click on Go →Amend details → Submit.
A/c / CPPFAM  Supervisor To Verify – Menu - PPFAMAVF/CPPFAM; Function – V-Verify
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Funding (Deposit) of CPDTM  Function – Add →Transaction Type / Sub-Type – Cash / Transfer →Type – N –
PPF A/c Normal Contribution → Go → A/c No. Credit – PPF A/c ID →A/c No. Debit –
SB or Sundry A/c if Transfer selected →Amount → Submit. Note Tran ID
 Supervisor to Verify – Menu – CPDTM; Function – V – Verify
Withdrawal from CPWTM  Function – Add →Tran Type / Sub-Type – Cash / Transfer →Type – N –
PPF A/c Normal Withdrawal →Click on Go →Cr A/c ID If Transfer selected →Dr A/c ID
– PPF A/c ID →Amount →Click on Submit for Verification. Note the Tran ID
 Supervisor to Verify – Menu – CPWTM; Function – V – Verify
Extension of PPF HCEXTN  Function- E-Extend → PPF A/c ID (click on outside, all other fields will be
updated automatically, see Exceptional Ext.: No) → Submit.
 Supervisor to Verify – Menu – HCEXTN; Function – V – Verify
Transfer in / Out of HACXFSOL  Source SOL ID – ID of PO where PPF A/c is existing →Target SOL ID – ID of
PPF A/c – CBS Office New PO where PPF a/c has to be transferred → A/c No – PPF A/c No. →Trial
to CBS Office Mode – No → Submit. Note Instruction No. (Also see Inter SOL transaction)
 Supervisor to Verify. Menu – HACXFSOL; Function – V – Verify
Transfer-in of a PPF CPPFAO /  Function – Open →CIF ID →Click on Go → A/c Opening Date – change to the
a/c from Bank or a PPFAO date when a/c was opened originally as per the documents →Mode of
non-CBS PO to a CBS Operation - Select from Searcher → A/c Documents Recd – Yes / No →No. of
PO Documents Recd (If Yes) → PPF Maturity Date – Change appropriately
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(Financial year closing date of the 16 FY) →A/c Opening Mode – Click on
Transfer button → Old A/c No. →Old Bank Branch Details →Advice of
Transfer No. → Nomination Details If Any →Document Details If Any → Click
on Submit for Verification. Note A/c ID
CPPFAV  Supervisor to Verify - Menu - CPPFAV - Function –V - Verify →A/c ID →Click
on Go →Click on Submit
HTRFTOUN  Make transactions file from the ledger sheet that came with the documents
& to enter /dop in 'Destination Directory' →Save file for uploading
CTUPLD To upload transaction file: A/c No. – PPF A/c No. →File Name – Give File
Name →Click on Submit. Visit HPR Menu to see the upload status
 Supervisor to Verify - Menu – CTUPLD; Function – Verify
CTPROC  Supervisor to verify - enter A/c No. Transactions are displayed. → Submit.
 Again login as PA and select CTPROC menu. Select 'Process' and enter the A/c
No. Transactions are displayed. Click on SUBMIT. A screen showing the
transaction id details will be displayed.
Zeroing of interest HINTTM  Function – M – Modify →A/c ID – PPF A/c ID →Click on Go → Interest Table
for the financial year Code – Delete present value and select ZERO from the searcher →From Date
in case of Transfer- – 01-04-YYYY →Click on Submit to verify
out to Bank  Supervisor to Verify – Menu– HINTTM; Function – V – Verify
Transfer-out of a HCAAC To be initiated by supervisor and to be verified by another supervisor
PPF a/c to Bank or a Run after verifying Zeroing of interest in Menu – HINTTM
non-CBS PO  Invoke HCAAC from PA login. → Select Option ‘Transfer’ and transfer account
id Postmaster Cheque account (0340) → Closure reason - ‘Transfer to Bank’
 Supervisor to Verify – Menu – HCAAC; Function – V – Verify
Closure of PPF A/c HCAAC /  Function – Z – Close →A/c ID – PPF A/c ID→ Balance – Check Transfer Box if
CLOSE Balance is there / Uncheck Transfer Box if Balance is zero→ Transaction Type
– Select Cash or Transfer if Balance Transfer Box is checked→ Transfer A/c ID
– SB A/c or Post Master Cheque A/c if Transfer selected in Transaction Type→
Click on Go →Click on Closure Tab →Note the Tran ID→ Select Reason Code
from the searcher →Click on Submit to Verify
 Supervisor to Verify – Menu – HCAAC/CLOSE; Function – V – Verify
Pre-mature / Claim HCAAC (To be done at HO only. To be initiated by supervisor and to be verified by
Closure of PPF A/c another supervisor)
 Almost same as Closure of PPF A/c → Select Reason Code - “death claim”.
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 PPF Loan / Withdrawal
Open PPF Loan A/c CLPPFAO /  Function –O-Open →CIF ID – Auto-populated →PPF A/c No. → Go →
PPFLAO Disbursement Type – Cash / Transfer → Opening mode: N-Normal or T-
Transfer in (select one) → Disbursement Cr A/c ID (give A/c ID to which
amount will be transferred if Transfer is Selected) →Maximum Sanction
Limit (Auto populated) → Sanction Limit – Loan Amount sanctioned/desired
by customer but should be less than max. sanction limit → (Check Sanction
Limit < Max. Sanction Limit) → Submit. Note A/c ID.
 Supervisor to Verify – Menu– CLPPFAOV / PPFLAVF; Function – V – Verify
Modify PPF Loan A/c CLPPFAOM /  Function – Modify →A/c ID – Loan A/c ID →Click on Go →Amend details →
before verification PPFLAMBV Click on Submit
Verify PPF Loan A/c CLPPFAOV /  Function – Verify →A/c ID – Loan A/c ID →Go → Submit. Displays
Opening PPFLAVF Disbursement Transaction ID. Note it.
Modify existing PPF CLPPFAM /  Function – Modify →A/c ID – Loan A/c ID →Click on Go →Amend details
Loan A/c or after PPFLAMAV →Click on Submit for Verification
verification  Supervisor To Verify – Menu – CLPPFAM/PPFLAMAV; Function – V- Verify
PPF Loan CPWTM /  Function – Add →Transaction Type / Sub-Type – Cash / Transfer → Type –
Disbursement and PPFWLINT Loan Disbursement →Click on Go →Dr A/c No – PPF A/c → Amount →Cr A/c
Interest Recovery No. If Transfer is selected → Submit for verification. Note both the Tran IDs
 Supervisor To Verify – Menu – CPWTM/PPFWLINT; Function – V – Verify
Repayment of PPF CPDTM  Function- A-Add →Tran Type/Sub-Type - C/NP-Cash Normal Receipt (if paid
Loan – Principal & by cash) or T/BI-Bank Transfer or T/CI- Customer Transfer (if paid by
Interest (But Loan transfer) →Type – P-Principal Repayment / I-Loan Interest Repayment → Go
A/c is not closed) →Cr A/c ID – PPF Loan A/c ID → Dr A/c ID (SB A/c ID in case of transfer) →
Amount →Transaction particulars →Submit. Note Both Tran IDs.
 Supervisor To Verify – Menu – CPDTM; Function – V – Verify
Closure of PPF Loan CPDTM  Function: A-Add →Type/Sub-Type - C/NP-Cash Normal Receipt (if paid by
A/c (Principal cash) or T/CI-Customer Transfer (if paid by transfer) →Type – P-Principal
Repayment Repayment → Go →Cr A/c ID – PPF Loan A/c ID → Dr A/c ID (SB A/c ID in
(CLPR and HACINT is by A/c case of transfer) → Amount → Transaction particulars →Submit. Note Both
not required when holder) Tran IDs. Supervisor To Verify – Menu – CPDTM; Function – Verify
closed in the month CLPR For calculation of interest amount. To be invoked by Supervisor.
of April after Annual  Function Code – P – Process →A/c No. – Loan A/c No. →Click on Go
Interest Calculation. HACINT  From A/c ID – Loan A/C ID →Report to - PM →To date – Yesterday’s Date →
At times HACINT do Post Transaction – Yes →Frequency Based Interest Run – No → Dr / Cr
not work. Then Interest – Debit Interest Only →Submit. Check HPR to view report and
send a request to recover interest by CPDTM. This operation need not be verified.
concerned circle CBS CPDTM If PPF account is not a matured account – A/c holder to pay loan interest
CPC with details for (Interest  Function Add →Tran Type / Sub-Type - Cash Normal Receipt → Type = I-
taking up the matter Repayment Loan Interest Repayment → Go →Cr A/c ID – Loan A/c → Amount →Click on
with CBS-CEPT by A/c Submit for Verification. Note Tran IDs
Chennai for posting holder)  If Tran Type / Sub-Type= T/CI- Customer Transfer (by transfer) → Cr A/c ID –
of loan interest.) Loan A/c →Debit A/c No. (from where amount is to be transferred) →
Amount → Submit. Supervisor To Verify – Menu – CPDTM.
CPWTM If PPF account is a matured account – Interest gets recovered from PPF A/c
(Interest  Function Add →Tran Type / Sub-Type – T/CI- Customer Transfer → Type – I-
Repayment Loan Interest Recovery →Click on Go →(Cr A/c ID – Loan A/c – Not editable)
/Recovery) → Dr A/c ID (PPF A/c) → Amount (auto fetched)→ Submit. Note Tran IDs
 Supervisor To Verify – Menu – CPWTM; Function – V – Verify
HCAAC /  Function – Z–Close → A/c ID – PPF Loan A/c ID → Uncheck Transfer as
CLOSE Principle and Interest entries would be passed using CPDTM as mentioned in
previous steps. → Go →Click on Closure Tab →Reason Code – Select from
Searcher → Submit. Note Trans. ID.
 Supervisor To Verify – Menu – HCAAC/CLOSE – Function – V – Verify
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 Recurring Deposit (RD) A/c
(a) Command / Menu: RD
Recurring Deposit (RD) A/c Menu Type
1 RD New A/c Open CRDOAAC /RDAOCM CRDOAACV/RDAOVF V
2 RD New Account Modify before verify CRDOAACM / RDMAO CRDOAACV V
3 RD New Account Modify after verify CRDACM CRDACM V
4 Funding – Deposit in RD CRDP / CRDAMT CRDP/ CRDAMT V
5 Manually Extend RD for next 05 years PRDCM PRDCM V
6 Extension of RD HPRDCM HPRDCM V
7 Deferment of RD Maturity Date in case of PMDDRD PMDDRD V
permitted defaults
8 Removing RD Lien of Loan Interest before HALM HALM V
closure when principal has already been
paid before migration to Finacle
9 Close RD A/c CRDCAAC / RDACLM CRDCAAC/RDACLM V
10 Pending Installment Inquiry HPLIST HPLIST T
RD Agent (MPKBY)
11 Agent Transactions - Agent Bulk Posting HAGTXP HAGTXP V
12 View/ Modify attachment of Agent to RD a/c CRDACM CRDACM V
13 Check the agent type HDSAMM --
RD Loan
14 RD Loan A/c Opening CAOLARD / RDHWAO CAOVLARD/RDHWAVF V
15 RD Loan A/c Modify Before Verification CAOMLARD/ RDHWAMBV CAOMLARD V
16 RD Loan A/c Modify After Verification CACMLARD/ RDHWAMAV CACMLARD V
17 RD Disbursal LARDD / RDHWDP LARDD V
18 RD Loan Repayment – Unschedule HLAUPAY HLAUPAY V
19 RD Loan Repayment – Schedule HLASPAY HLASPAY V
20 RD Loan Pay off Process HPAYOFF HPAYOFF V
21 RD Loan Closure CAACLA CAACLA V
 RD A/C – Brief Menu Operations

Open RD A/c CRDOAAC /  Function – O-Open → CIF ID →Scheme Code – RDIPN (Scheme Code – click
RDAOCM on searcher – click on Submit on next screen and select) → Go → Mode of
Operation - Select from Searcher → Monthly Installment – Give RD
Installment Amount → Transaction Required – Yes (if by mistake No is
selected, then do funding by CRDP after successful A/c opening verification)
→ Transaction Creation during - A/c Opening or A/c Verification (If A/c
Verification is selected, then after verification by Supervisor, it will ask to do
funding. But in our case funding during A/c Verification is not activated) →
Transaction type – Cash/Transfer → Debit A/c No. (Give if trans. Type is
Transfer) → No. of Installments →Document details – A/c Documents Recd-
Yes/No →No. of Documents Recd – Give no. of documents → Doc Code –
Select from Searcher → Nomination details → Click on Flow ID Tab →
Submit. Note RD A/c ID and Tran ID.
 Supervisor to verify – Menu: CRDOAAC.
Modify RD A/c CRDOAACM  Function – M - Modify →A/c ID →Click on Go →Amend details
before verification / RDMAO  Click on Submit
Verify RD A/c CRDOAACV  Function – Verify →A/c ID →Click on Go
Opening / RDAOVF  Click on Submit
Modify existing RD CRDACM /  Function – Modify →A/c ID →Click on Go →Amend details → Submit
A/c RDAMM  Supervisor To Verify – Menu – CRDACM / RDAMM; Function – Verify
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RD A/c Transaction  Function – Add →Transaction Type – Cash / Transfer – Customer Induced →
CRDP /
Posting RDAMT /
Go →RD A/c No. → Amount (If more amount is put, it will automatically pick
CRDAMT
the no. of installments) → Mode of Payment – For Transfer Click on Cheque
or Withdrawal Slip (If cheque is selected then give cheque No. & date) → A/c
ID – Give SB A/c no. →Click on Submit for Posting by Verifier. Note Tran ID.
Verification: Menu – CRDP →Function – P-Post →Tran ID →Go → Submit
RD Extension for HPRDCM / Extension is automatic. If any a/c is missed, then the same can be extended
another 05 Years PRDCM by using this command.
Deferment of RD PMDDRD Maximum of 4 defaults on the day of maturity is allowed. Maturity date can
Maturity Date be deferred equivalent to the number of defaults subject to max.4.
Close RD A/c CRDCAAC / Trial Closure: Function – L – Trial Close →A/c ID → Go → Close Mode – Cash
RDACLM / Transfer →Click on Check Box Close → Close Reason – Select from the
searcher → Accept → Click Submit. View/Print Report by HPR.
Pay by cash for INR below 20000/-.
Final Closure: Function – Z – Close →A/c ID → Go →Click on Check Box Close
For INR.20000/- or more give
→ Close Reason – Select from searcher → Select Cash or Transfer → Give
Repayment A/c ID (customer’s SB
Repayment A/c ID → Submit. In the next screen it displays closure details.
A/c or PM’s cheque A/c (0340)).
Note the Tran ID.
 Supervisor to Verify – Menu - CRDCAAC/RDACLM; Function – V – Verify.
Closure within 3 CRDCAAC /  User should be careful while closing RD account. System will only THROW
years RDACLM EXCEPTION if the RD account is closed within the lock in period. Counter PA
should not accept the EXCEPTION and should not proceed further. If the
EXCEPTION is accepted, system will allow CLOSURE within LOCK in period.
Migrated account  Default fee is put as a lien on RD account.
where default fee  During closure the default fee will be deducted by the user before paying the closure
has not been proceeds to the customer.
collected in Sanchay  The LIEN marked should be lifted (MODIFIED) using HALM menu and proceed for closure
post using CRDCAAC menu
 RD Loan / Half Withdrawal

Some Important Tips / Explanations and Sequence of RD Loan / Half Withdrawal in Finacle
1. After completion of one year (12 installments), 50% of the balance of a RD A/c is allowed as RD loan, only
once during the currency of the A/c.
2. RD loan is not allowed in defaulted RD A/c or in discontinued RD A/c.
3. RD loan repayment is not allowed to be made through Agent Portal.
4. The RD loan has to be paid across the counter by the depositor or agent on behalf of depositor.
5. Repayment of RD loan can be done any time with any amount called Unscheduled payment in menu
HLAUPAY. In Finacle, Lump Sum deposit is called Bullet Payment. Final repayment is to be made by
HPAYOFF.
6. Verify the SB-7 & RD Pass Book. Ensure the A/c is eligible to take Loan / Half Withdrawal.
7. See the Loan amount applied. It must be in multiple of 5 (five).
8. Confirm withdrawal type: Cash (below INR.20000/-) / Cheque / Transfer to SB A/c.
9. For Transfer to SB A/c, ask the customer write SB A/c No. on the SB-7. Verify the existence & status of SB
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A/c. It should be an active A/c and must be opened on or before 1 day of the month of Loan
disbursement and SB account opening verification is not pending at the time of Loan disbursement. If
dormant (silent), then revive first (before RD loan sanction).
10. If new SB A/c is to be opened, then open new SB A/c as per procedure and request the customer to come
next day for RD Loan.
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11. Open RD Loan A/c and value date is 1 of the current month. Supervisor to verify RD Loan A/c opening.
12. Disburse the RD Loan in system as per requirement (Cash / Cheque / Transfer) & ensure value date of the
Disbursement is first of the month of disbursement.
13. Supervisor to verify RD Loan payment.
14. View original RD A/c. Ensure Lien is marked.
15. Take aquittance from depositor on SB-7 and hand over the instrument which is applicable (Cash /
cheque). In case of Transfer to SB A/c nothing is to be given to the depositor.
16. Print the pass book. For withdrawal from SB A/c, follow SB withdrawal procedure.
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 RD Loan / Half Withdrawal - Brief Menu Operations
Open RD Loan A/c CAOLARD /  Function – Open → CIF ID → RD A/c Number →Scheme Code – LARD → Go
RDHWAO →Name etc. will be populated → Loan Amount →Amend Loan Sanction
Date →No. of Installment (Auto populated) → Installment & Int. start date
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-1 of the current month →Installment Freq. (Type) – Bullet/Monthly
(Monthly is better) → Installment Amount → Submit →OK. (Value date is
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always 1 of the current month). Note Loan A/c ID.
 Supervisor to Verify– Menu - CAOVLARD/RDHWAVF; Function – V – Verify.
Modify RD Loan A/c CAOMLARD /  Function – Modify →Loan A/c ID →Click on Go →Amend details → Submit
before verification RDHWAMBV  Supervisor to Verify– Menu- CAOVLARD/ RDHWAVF; Function – V – Verify.
Verify RD Loan A/c CAOVLARD /  Function – Verify →Loan A/c ID →Click on Go
Opening RDHWAVF  Click on Submit
Modify existing RD CACMLARD /  Function – Modify →A/c ID →Click on Go →Amend details → Submit.
Loan A/c RDHWAMAV  Supervisor To Verify–Menu–CACMLARD/RDHWAMAV;Function – V– Verify
RD Loan LARDD /  Function – Disbursement →Loan A/c ID → Disbursement Amount → Mode
disbursement RDHWDP of Disbursement – Cash / A/c Transfer (Better is Transfer) → Credit A/c ID –
(Value date is If transfer selected →Amount →Change Value Date → Submit → OK.
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always 1 of the  Supervisor To Verify – Menu– LARDD/RDHWDP; Function – V – Verify
month in which loan  Note: Check HACCBAL to show the system lien marked on RD A/c.
is disbursed) Balance in RD a/c will not get reduced.
Making HLAUPAY Do not accept final repayment in HLAUPAY - interest will not be calculated.
Unscheduled RD  Payment Type –P-Payment →Transaction Type – Click on Cash or Transfer -
Loan Payments If Transfer is selected, give Common Debit A/c No. → Debit From – select
Common Debit A/c → Go → Loan A/c ID →Credit Amount → Give Cheque
Details if paid by POSB cheque → Accept →Submit. Note Tran ID.
 See “How to get it” if Trans. ID is not noted due to any reason.
 Supervisor To Verify – Menu – HLAUPAY – Function – Verify
RD Loan A/c Payoff HPAYOFF Accept final repayment in HPAYOFF. Loan interest will be calculated.
– Final Payment  Function – P-Payoff Loan Amount → A/c ID (Loan A/c) → Transaction Type
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– Cash Receipt (to take payment by cash) /Transfer – T/CI-Transfer
(Value date is 1 of the month if Customer Induced (to take payment by transferring amount from SB A/c)
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closed by 10 else give transaction → Collect Refund A/c ID – Give SB A/c or appropriate Loan Sundry/Office
date. It is better to take transaction A/c No. (if transfer is selected) →Give cheque details if DOP cheque is given
date as Value date) → Go → Click on Create Transaction → Submit.
 Supervisor To Verify – Menu – HPAYOFF – Function – V-Verify → A/c ID
(Loan A/c) → Go → Click on Create Transaction → Submit → Accept. (Note
Tran ID)
RD Loan A/c closure CAACLA Ensure final loan repayment is done using HPAYOFF and balance is Zero.
 Function – Z – Close →Loan A/c ID → Go →Click on Check Box Close
→Close Reason – Select from Searcher → Accept → Submit.
 Supervisor To Verify – Menu – CAACLA – Function – Verify
Premature Closure of RD HPAYOFF  Same as given above for HPAYOFF.
A/c where loan is CAACLA  Same process as given above against RD Loan A/c closure – CAACLA.
outstanding
CRDCAAC /  Function – Z – Close →A/c ID →Click on Go →Close Mode – Transfer →
Closure Sequence
RDACLM Repayment A/c ID – Same A/c No. given for Loan Closure → Click on
(Procedure-1)
1. Repay the loan Check Box Close →Close Reason – Select from searcher → Click on
2. Close Loan A/c Accept →Click on Submit for Verification. Note the Tran ID
3. Close RD A/c  Supervisor to Verify – Menu - CRDCAAC/RDACLM; Function – V –
OR (Procedure-2) Verify.
1. Close using menu
CRDCAAC / RDACLM Note: Always prefer Procedure-2 for PMC.
2. Loan will be zero but A/c
will remain alive.
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 Rectification of Wrong Postings / Fake-unwanted A/c opening and Exceptional Closure
(a) Command / Menu: Rectification of Wrong Posting & Exceptional Schemes
Work Item / Purpose (Rectification of) Operator Supervisor Verify (V) /
Rectification of Wrong Postings (POSB scheme wise) Menu Type
1 CC - Certificate is wrongly printed or the post office is ---- HDUDRP T
in possession of the wrong certificate & a duplicate
certificate needs to be printed( By Postmaster only)
2 Exceptional Scheme - Transfer of A/c to Exceptional HACXFRSC HACXFRSC V
Scheme / Transfer accounts across scheme codes
(within the same POSB Scheme)
3 GENERAL - Wrong printing of customer address or HRRCDM HRRCDM Not
Post Office name in Passbook given
4 PPF - Deposit made in wrong account number CPWTM & CPWTM & V
CPDTM CPDTM
5 PPF - Deposit amount is wrong CPWTM CPWTM V
6 PPF - account open date is Wrong (Following 4 steps)
6a PPF - zeroing of PPF interest for the current financial HINTTM HINTTM V
year (In Postmaster login) & Verification to be done
by another Supervisor
6b PPF - Closure of account (wrong open date) in HCAAC HCAAC V
Counter PA login
6c PPF - PPF new account opening CPPFAO CPPFAV V
6d PPF - If transfer in, also follow transfer in procedure See PPF See PPF
7 RD – Forget to give Installment amount in New A/c CRDP / CRDP / V
opening & not accepting in Modification. Correct the CRDAMT CRDAMT
problem by funding RD
8 SB - Wrong Cash Deposit / withdrawal CTM CTM V
9 TDS - Refund of wrongly deducted TDS HRFTDS ----
10 In CQ clearing wrong Office A/c given CXFER CXFER V
11 Fake / Unwanted A/c opening verification ---- HOAACVTD V
12 Fake / Unwanted A/c closure HCAACTD HCAACVTD V
Following mistakes cannot be rectified.
1. Wrong POSB scheme selected for new A/c opening – Cannot be changed later on.
2. A/c closed (Normal / Matured / premature) – Cannot be made live again.
3. Less withdrawal made in PPF by mistake - Neither the withdrawal can be cancelled nor is 2nd withdrawal
allowed in same financial year.
4. Wrong amount in funding (Deposit / Withdrawal) – Cannot change the amount.
5. Wrong deposit in SSA scheme - No reversal – Cannot perform any change.
6. Wrong Certificate Denomination selected on issue - Cannot be changed later.
7. Certificate written manually handed over to depositor without printing. Later system issued the same
Certificate to some other depositor. Now both the depositor has wrong Certificate - Cannot be rectified.
These certificates will also not get discharged in future.
 Rectification of Wrong Posting – Brief Menu Operations

Rectification which requires additional transaction(s), it is wiser / better to record the remarks on the pay-in-slip
/ Withdrawal-slip (or in the reverse side) with dated signature of Supervisor / Postmaster.
Rectification of CTM Wrong Entry made as under:
Wrong Cash Deposit  Amount Y would already have been posted in the customer a/c. Menu – CTM;
(eg. Amount ‘X’ is Function – Add; Function Type – Deposit.
posted as Amount Following 02 steps are required for correction.
‘Y’ 1. Reversal Entry (for Wrong Entry made):
 Menu – CTM → Function – Add → Function Type – Withdrawal → A/c ID
where wrong entry was posted → Amount – Y → Trans Particulars: Reversal of
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Important Note: Fill Wrong Cash Deposit → Post. Note the Tran ID
“Trans Particulars”  Supervisor to Verify – Menu – CTM ; Function V– Verify
correctly. It is the 2. Correct Entry (for the correct amount):
only field which  Menu – CTM → Function – Add → Function Type – Deposit →A/c ID →
guards the user. Amount – X → Post. Note the Tran ID
 Supervisor to Verify – Menu – CTM ; Function V– Verify
N.B.: For wrong withdrawal do accordingly i.e. in Reversal make deposit & in
Correct entry make withdrawal.
PPF Deposit made in CPWTM & 1. Reversal Entry (for Wrong Entry made):
wrong account CPDTM  Menu – CPWTM → Function –Add → Function Type – C/NP Cash Normal
number Payment --- N Normal Withdrawal →Enter the Dr. account number (wrong
account number) → Enter the amount as in the Deposit transaction → Enter
Important Note:- the report code as "REVRS" & Submit. . Note the Tran ID.
(Report code is very  Supervisor to Verify – Menu – CPWTM ; Function V– Verify
important. Other 2. Correct Entry (for the correct a/c):
than "REVRS" may  Menu – CPDTM → Function –Add → Function Type → C/NR Cash Normal
lead to not allowing Receipt --- N Normal Contribution →Enter the Cr. account number (correct
withdrawal) PPF account number) →Enter the correct amount & Submit. Note the Tran ID.
Supervisor to Verify – Menu – CPDTM ; Function V– Verify
PPF Deposit amount CPWTM 1. Reversal Entry (for Wrong Entry made):
is wrong  Menu – CPWTM → Function –Add → Function Type – C/NP Cash Normal
Payment --- N Normal Withdrawal →Enter the Dr. PPF account number →
(See above Note) Enter the excess amount deposited in the transaction→ Enter the report code
as "REVRS" & Submit. . Note the Tran ID.
 Supervisor to Verify – Menu – CPWTM ; Function V– Verify
PPF account open HINTTM 1. Zeroing of PPF interest for the current financial year (In Postmaster login)
date is Wrong  Menu – HINTTM from Postmaster login → make interest for the current
(04 steps to be financial year for the PPF account (with wrong open date) zero.
followed)  Another Supervisor to Verify – Menu – HINTTM ; Function V– Verify
HCAAC 2. Closure of PPF account (wrong open date) in Counter PA login
 Menu – HCAAC → Function – Z – Close →A/c ID – PPF A/c ID (wrong open
date) → Closure reason -- Transfer to Bank -- Option ‘Transfer’ has to be
selected and transfer account id should be Postmaster account (0340)
 Supervisor to Verify – Menu – HCAAC ; Function V– Verify
CPPFAO 3. PPF new account opening. Follow procedure for PPF new account opening.
Supervisor to Verify – Menu – CPPFAV ; Function V– Verify
4. If transfer in, besides above follow transfer in procedure
Refund of wrongly HRFTDS  For menu operation & procedure see TDS Module/ Topic.
deducted TDS
Certificate is wrong HDUDRP Certificate is wrongly printed or post office is in possession of wrong certificate
& a duplicate certificate needs to be printed(See KVP/NSC for details).
Wrong printing of HRRCDM Menu – HRRCDM → Check the city code linked to the address of the Post office
customer address or or the customer address. Then validate the city code description. Either city
Post Office name in code in the customer's address / Post office address has to be changed in the
Passbook address details or the description of the particular code has to be changed.
HRRCDM access is given to DOP Operations team to maintain the details. Hence
CEPT Team can be contacted.
Wrong Office A/c CXFER NDC cheque cleared in SOLID+0017 instead of SOLID+0382. On A/c opening
given in outward message appears “Cheque not cleared”. Do as follows:- CXFER → give the back
Cheque clearing value date (if a MPKBY agent CQ, give e-banking reference date) → enter same
transaction particular → Post (See whether it is working)
Fake / Unwanted HOAACVTD  During Finacle problem, if SUBMIT is clicked more than once, Fake / Unwanted
A/c opening verify A/cs get opened. If transaction is verified in HTV, then these A/cs cannot be
deleted. No other option but to verify them in this command.
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Fake / Unwanted HCAACTD  To overcome the above & close these Fake / Unwanted A/cs, Counter PA to
A/c closure use this command & Supervisor to verify in the menu option HCAACVTD.
Entry of actual It is required to enter actual cleared date for new MIS/SCSS/TD/RD/NSC/PPF A/cs or for
cheque cleared date subsequent deposit in RD/PPF A/cs. On regularizing cheque zone, cleared date is by default
the current date & no option to change. So actual cleared date should be entered in Value
date field in respective transaction screen. For more details refer A/c opening by Cheque.
 Exceptional Schemes / Closure

SCSS/MIS/TD/RD/KVP/NSC deposit accounts have certain lock in period before which the A/c cannot be closed.
When the is trying to close the deposit before the Lock in period, system will raise the exception message to the
user based on setup. But there are certain circumstances (Court order, order of Ministry of Finance. Death case,
forfeiture, irregularly opened A/cs, Unwanted A/cs opened automatically during system problem etc.) where it is
required to close the deposit (A/c) before the Lock in period.
Scheme Lock in period Exceptional Remarks
Scheme Code
KVP 02Years & 06months PMC allowed after 02Years & 06months
MIS 01Year MISE1 PMC allowed after 01Year on discount. W.e.f. 10.02.2006
discount is 2% for >1year & <3year; 1% for >3years.
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NSC 8 06Years Conditional PMC on exceptional cases.
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NSC 9 10Years Conditional PMC on exceptional cases.
PPF 15Years Conditional PMC on death case.
RD 03Years RDIPE PMC allowed after 03Years w.e.f 04.11.1999 on SB
interest rate.
SB Nil
SCSS 01Years SCEXP PMC allowed after 01Year on discount. W.e.f. 02.08.2004
discount is 1.5% for >1year & <2year; 1% for >2years.
SSA 18Years Conditional PMC on marriage / death case
TD Nil TDIPE Lock in period 06months removed w.e.f 01.04.2014 vide
SB Order No.05/2014.
Sequence of operation for Exceptional Closure:
1. Use menu HACXFRSC (Transfer from one Scheme to another Scheme except RD & CC) by Counter PA.
2. Supervisor to verify with same menu HACXFRSC.
3. Use HPR menu to know successful transfer of account.
4. Invoke the menu option HINTTM for Changes in the Interest (For SCSS, MIS).
5. Verification by the Supervisor with menu option HINTTM.
6. Invoke the menu HCAACTD for the closure.
7. Verification by the Supervisor with menu option HCAACVTD.
 Exceptional Schemes / Fake-Unwanted A/c – Brief Menu Operations

Transfer to Exceptional Schemes and performing closure there in may be supported by order / authority letter
from some higher authority e.g. Postmaster / Divisional Supdt. / Director / PMG / CPMG etc.
Transfer of A/c to HACXFRSC  Function – T–Transfer → Go →A/c ID → Source Scheme Code (Auto populated)
Exceptional Scheme → Target Scheme Code – Give Exceptional Scheme Code →Target GL subhead
/ Transfer accounts Code (comes automatic) →Submit. Note Instruction No. Click on OK.
within the same  Supervisor to verify – HACXFRSC; Function –V- Verify
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POSB Scheme [1 ]  Exceptional scheme helps in Irregular closure. Use close menu option to close
the irregularly opened A/c. Supervisor to verify the closure.
Report view [2nd] HPR  Invoke HPR. Select report: “Scheme change Success Report” to view status.
Specify interest rate HINTTM  Used to specify interest rate from date of death to the current date.
[3rd]  To be used by a higher work class (Supervisor or Postmaster) to enable the
interest rate as per the instruction from Court Order/ Min of Finance.
 Supervisor to verify – HINTTM; Function –V- Verify
Closure of A/c HCAACTD  Function -Z-Close → A/c ID → Closure value date – BOD Date → Go → Click on
[4th] / Visit Tab “Closure details” → Close Mode – select any one : C-Cash only (for
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below 20000. Needs to run HCASHPND for cash transfer to teller a/c); B-Both
(the money can be transferred to both Cash mode and repayment a/c, do not
use it); R-Repayment a/c only (money goes to the Repayment A/c specified
(savings accounts) or to Office A/c Basic; N-Customer Instruction – then the
proceeds go the sundry deposit placeholder) → Click on / Visit Tab “Closure
Exceptions” → Closure Reason Code – select appropriate one from searcher →
Submit → OK. Supervisor to verify – Menu – HCAACVTD; Function – V-Verify.
RD Closure within CRDCAAC  System will only THROW EXCEPTION if the RD account is closed within the lock
(before) lock in in period. Operator neither should accept the EXCEPTION nor proceed further.
period of 3years If EXCEPTION is accepted, system will allow CLOSURE within LOCK in period.
 Supervisor to verify the closure – Menu – CRDCAAC; Function – V-Verify.
MIS Closure within HCAACTD  Same as TD/SCSS.
1years of opening  Supervisor to verify – Menu – HCAACVTD; Function – V-Verify.
 RM e-Banking Portal
It is a combination of different activities in the authorized web site such as management of Agent/Internet banking /
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Mobile banking /ATM Cards. At present it is not within the purview of Post Offices. As on 1 April 2015, only ATM
has come which is managed from Finacle menu. Hence a few items are illustrated for the sake of general knowledge.
Create  Login – Bank User →Password →Click on Agent User Admin → Click on Create New →Agent User ID (to
Agent be exactly the same as created on Finacle) →First Name →Last Name →Salutation → Date Format – dd-
Portal mm-yyyy →Language ID – English →Menu Profile – DOPAGN →Authentication Mode – Password →Click
User on Continue → Give Remarks →Give Transaction Password →Click on Submit. Note the Ref ID
 Another RM to Login →On dash board click on Records Pending For Approval →Select the reference ID
→Click on Approve → Give Transaction P/w →Submit →Click on Agent User Admin → Select Agent ID
→Set Password →Check Sign On Password → Click on Continue →Give Transaction Password →Submit
→ Click on Enable / Disable User →Select Login Password →Submit. Back end to generate password.
Create  Login – Bank User →Password →Click on Retail Administration → Click on Create New →CIF ID → Click
Retail on Look Up – System will fetch details from Finacle →Salutation → Brand ID – Brand 1 →Menu Profile –
User DOPRET →Entry Limit Scheme – Retail Default →Transaction Limit Scheme – Retail Default →
Transaction Authorization Scheme – Retail Default →Authentication Mode – Password →Secondary
Authentication Mode – One Time Password →Accessible Financial Transaction Types – Select All
 Authorisation Mode Precedence – Transaction Level → Click on Continue →Give Remarks →Give
Transaction Password → Submit. Note the Ref ID
 Another RM to Login →On dash board click on Records Pending For Approval →Select the reference ID
→Click on Approve →Give Transaction P/w →Submit → Click on Retail Admin →Select CIF →Click on Set
Password → Click on Check Box Sign On Password →Click on Check Box Transaction Password →Click on
Continue →Give Transaction Password → Submit →Click on Enable / Disable User →Click on Mode →
Login Password – Enable →Transaction Password – Enable → SMS OTP - Enable →Back end to generate
passwords → Submit
 Savings Accounts (Known as SB A/c)

(a) Command / Menu: SB
Savings Accounts (Known as SB A/c) Menu Type
1 SB New Account Open CASBAO CASBAV V
2 SB New Account Modify before verify CASBAOM CASBAV V
3 SB New Account Modify after verify CASBAM CASBAM V
4 Funding in SB A/c - Cash Transaction CTM CTM V
5 Funding in SB A/c - Transfer Transaction CXFER CXFER V
6 Closing of SB A/c HCAAC HCAAC V
SB A/c Ledger Inquiry/ Balance Details/ Inquiry / Minor to Major Report (7 to 10) deleted as given under common.
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 SB A/c – Brief Menu Operations
Opening a new SB CASBAO /  Function – O-Open → Give CIF → Scheme Code – Select from searcher → Click
A/c QDESA on Go → Cheque A/c – Yes/No → Mode of Operation - Select from Searcher →
No. of Docs – Give the number of documents taken from the customer and
Code A/c Type
SBGEN –Without Cheque Book accordingly give document details. → Doc Code – Select from searcher → Doc
SBCHQ –With Cheque Book Date – date of the document → Welfare scheme code (For SB Basic Savings
SBBAS –Basic Saving Account A/c) → BPL & PPO No. etc → For Joint A/c fill: Related Party Details 2 & 3 as
SBPEN –Pension With Cheque Book the case may be → Nomination–Yes/No → If Nomination – Yes; fill Nomination
SBPWC–Pension w/o Cheque Book Details & specify share of each nominee → Submit → OK. Note A/c No.
SBSAN–Sanchayika With ChequeBook  (SB - Pension A/c is not eligible for repayment A/c).
SBSWC-Sanchayika w/o ChequeBook.
 Supervisor to verify – Menu – CASBAV / QDESAVF ; Function – Verify
Modification of new CASBAOM /  Function – Modify → A/c ID – Give the newly opened a/c no. → Click on Go →
SB A/c Before QDEMSABV Make the necessary amendment → Submit
Verification  Supervisor to verify – Menu – CASBAV / QDESAVF ; Function – Verify
Verification of SB CASBAV /  Function – V - Verify → Temporary A/c ID – Give the newly opened a/c No. →
a/c opening QDESAVF Click on Go → Submit.
Modification of SB CASBAM /  Function – Modify → A/c ID → Click on Go → Make the necessary amendment
a/c after verification QDEMSA → Submit
or in existing A/c  Supervisor to verify – Menu – CASBAM/QDEMSA ; Function – Verify
Funding of the of SB CTM By Cash : Function – Add → Function Type – Deposit or Withdrawal → Click on
Account Go →A/c Id → Amount → Click on Post. Note the Tran ID
 Effective available balance is the eligible amount of withdrawal.
(Also Ref. Common  Supervisor to Verify – Menu – CTM ; Function V– Verify
for CTM & CXFER CXFER By Transfer: Function – Add → Click on Go → Dr A/c ID → Verify Signatures →
menu options) Cr A/c ID → Give Amount → Mode of Transaction – Cheque / Withdrawal Slip
→If cheque then update cheque date & No. →Check Mode of Operation →
Click on Post. Note the Tran ID. Supervisor to Verify – Menu – CXFER.
Silent Revival CASBAM  Function – M-Modify → A/c ID → Go → Modify the account status from Silent
to Live →Submit. Supervisor to verify – Menu – CASBAM; V- Verify
Closing of SB HCAAC / Credit A/c (Repayment A/c) information gets removed at the day end (HSCOLD),
Account CLOSE on the date in which the KVP/ MIS/ NSC/ RD/ SCSS/TD A/c gets closed.
To close a SB A/c, it is required to follow some procedure as under.
System Validates/Checks the following parameters
Account balance and shadow balance is zero ; No transactions pending in entry stage; No standing instructions
exist ; No lien is marked, When unverified collateral records exist with the account as lien; No freeze marked on the
account; Cheques are destroyed; Interest calculation is up-to-date. System will do the validation checks as
indicated above. Act on these validations and then close the a/c selecting appropriate Reason Code.
Steps / Sequence of closure – Ensure the following before closure
1. Note existence / status of the following invoking HACCDET & HACLI.
HACCDET HACLI
Items Status Items Status
A/c status A-Active; if Dormant revive it Funds in Clearing Should be zero. Else regularize
shadow balance
Scheme code If cheque a/c, then destroy the Lien
cheques
Freeze If freeze, Unfreeze it. Closing Balance Note it.
2. If freeze, Unfreeze it (Menu: HAFSM). Supervisor to verify.
3. If Dormant revive it (Menu: CASBAM). Supervisor to verify.
4. No transaction is pending in Entered / Posted Stage (Menu: HFTI). If there, clear it (Supervisor to verify).
5. Any Interest Inflow has occurred to the A/c on the day (Menu: HACLI). If YES, request the depositor to close on
the next day.
6. Remove Credit A/c information by modifying concerned TDA (Menu: CASBAM). Supervisor to verify. (To know
the A/cs, invoke HCAAC; go to “Closure” Tab. If there is such A/c, the same is listed at the bottom of the page
under heading “Dependent Acct. Details”. If there is no such A/c, the heading will not be visible).
7. Remove Standing Instructions if any (Menu: HSSIM). Supervisor to verify.
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8. Delete / Destroy unused cheque leaves (Menu- HCHBM). Supervisor to verify.
9. Calculate current year interest (CYI) (Menu: HACACCR). Go to HPR, view/print report. To be paid = CB+CYI.
(Optional for HO & SO A/c. But required for BO A/c to give sanction)
10. (Optional) Make the Balance zero by withdrawal (Menu-CTM or CXFER as the case). If “User hook error” comes,
leave this step. Supervisor to verify.
N.B. Sl.No. 9 (HACACCR Menu) & Sl. No.10, making the balance zero are optional for the A/c stands at HO & SO.
When closed using HCAAC, it will calculate the CYI.
11. Close the A/c (Menu – HCAAC/CLOSE). Supervisor to verify.
12. Go to HACLI / HACCBAL and view amount to pay.
 HCAAC → Function –Z- Close → A/c ID – SB A/c to be closed →Balance –Uncheck Transfer Box if Balance is zero
→Transaction Type –Cash / Transfer →Transfer A/c ID – Another SB A/c or Post Master Cheque A/c if Transfer
selected in Transaction Type →Go → Click on Closure Tab. Give Reason Code (select from searcher) → Give penal
Amt. if any, else give as ZERO → See “Interest Calculation Information” → Apply interest till date – Select Yes if
Interest Calculation is not updated, else select No → Submit. Note the Tran ID. Supervisor to Verify – Menu –
HCAAC/CLOSE.
Changing the status HCBM →  Report To – Type designation to whom report is to be given (e.g. PM) →
of the customer HPR Change Status to Major – N → Select Date Range → Click on Submit.
from Minor to Major  Invoke HPR to view report (Report Name: Customer becoming Major)
(See Common also) CMRC – o Customer Modification: CIF Modification (CMRC) – Change Minor Flag
CASBAM - o A/c Modification (CASBAM)– Mode of Operation, Document Details
A/c Balance Inquiry HACCBAL  A/c ID → Click on Go → Click on Go
A/c Trans. Enquiry HACLI  A/c ID → Click on Go → Click on Go
A/c Details Enquiry HACCDET  A/c ID → Click on Go → Click on Go
 SB (POSB) Cheque Book Maintenance

Issue Cheque Book HICHB /  Ensure that POSB Cheque Book is available with Counter & split. (POSB Cheque
Across the Counter HICHBA Book Inventory management to be done by Supervisor. Receipt from external
(To the customer) source (ZZ to DL) i.e. DAP/CSD – Menu -HIMC; Split as per POSB Cheque leaves in
a Book – Menu -HISAI; Supply to Counter(s) (DL to EM) - Menu – HIMC)
 Function – Issue → Ack. Obtained–Yes → A/c ID → Cheque Type – CHQ → Go
→Cheque With – Note: It is important to check the employee code here
→Select Cheque Book (FIFO Method) by checking the box →(Note: More than
one cheque-book can be issued to the customer by checking more than one
box.) →Submit. Note Trans ID. (It will automatically show “To Location” as ZZ-
External). Supervisor to verify – Menu – HICHB/HICHBA ; Function –V -Verify
Cheque Book HCHBM /  Used to Acknowledge, Inquire, Destroy etc. of Cheques.
Maintenance CHBM  To Destroy: Function- D-Destroy → A/c ID -Enter the A/c No. → Begin CQ No.-
Enter start CQ No. for destruction → No. of leaves – No. of leaves left → Go →
Submit → OK. Supervisor to verify – Menu – HCHBM/CHBM
Enquiry of Cheque HCHBI  Function – Inquiry → A/c ID → Click on Go → View Details by clicking in expand
Book icon → See the individual cheque status
Stop payment of a cheque referred to when the cheque is lost or damaged. This is a precautionary step to stop
cheque being realized by the person not entitled to it.
 SB (POSB) Cheque - Stop Payment
Marking Stop HSPP /  Function – Stop Pay → A/c ID → Begin Chq. No. →No. of Leaves (Note: You can
Payment of Cheque CHSTOP mark a stop payment of more than one cheque but all cheques should be in
series) → Go →Payee Name – Optional → Cheque Amount – Optional →(Note –
Payee Name and Cheque Amt need not be given in case of stop payment of
cheque series) →Reason Code – select from searcher → Submit.
 Note: See implication of posting a debit transaction using stopped cheque.
 Supervisor to verify Menu-HSPPAU/CHSTOP → V–Verify → A/c ID → Submit
Verification of Stop HSPPAU/  Supervisor to verify → Function – Verify → A/c ID → Click on Submit
Payment CHSTOP  Note: See implication of posting a debit transaction using stopped cheque
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Revoking Stop HSPP /  Function – Revoke Stop Pay → A/c ID → Begin Chq. No. → Click on Submit.
Payment of Cheque CHSTOP  Supervisor to verify (Menu-HSPPAU), Function – Verify → A/c ID → Submit
Verification of HSPPAU  Supervisor to verify → Function – Verify → A/c ID →Click on Submit
Revoking Stop
Payment
Stop Payment HPR  Show the stop payment letter generated by the system
Letter Generation
Stop Payment HSPRG /  Report To – Give the name or designation of the person to whom report is to be
Report CHSTPR given →From Date → To Date →Status – Stop Pay or Revoke Stop Pay – select
appropriately →Click on Submit
 Settlement of Balance Differ cases and correction of Date of open/issue

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

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

(b) Command / Menu: Sukanya Samriddhi Accounts (SSA)
Sukanya Samriddhi Accounts (SSA) Menu Type
1 SSA New A/c Opening CPPFAO CPPFAV V
2 SSA New A/c Modify before Verification CPPFAOM CPPFAOM V
3 New SSA A/c Modify after Verification CPPFAM CPPFAM V
4 Funding – Deposit in SSA CTM CTM V
5 New A/c Opening List view / print HACSP → HPR HACSP → HPR T
Some Important Tips (SB Order No.02/2015; DTE F.No. 116-57/2014-SB Dtd. 21. 01. 2015; its Addendum
dt.26.02.2015 & Clarification dt.25.03.2015):
1. The natural or legal guardian can open SSA A/c in the name of girl child born on or after 02.12.2003. Only
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one SSA A/c can be opened in the name of one girl child. Maximum two (three if 2 birth is twin) SSA A/cs
can be opened/ operated by a natural or legal guardian. (For this obtain – (1) Declaration from depositor (2)
2. Account can be opened up to age of 10 years from the date of birth of girl child. For initial operation of
scheme, one year grace has been given. Hence the Girl child who is born on or after 02.12.2003 can open
account subject to condition that she has not more than 11 years on the date of opening of account. This
relaxation of one year is up to 02.12.2015 only.
3. Submission of Birth Certificate of girl child is compulsory. KYC documents of Guardian are to be obtained as
per SB Order No. 14/2012 (Master Circular-1) dtd.09.10.2012.
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4. In case proper Birth Certificate of girl child is not available, a certificate of date of birth from school given by
Headmaster or a certificate from Head of the village showing date of birth of the child or a certificate from
the hospital where the girl child was born can also be taken (SB Order No. 02/2015-Addendum).
5. Nomination is not allowed (as all are minor accounts).
6. If minimum Rs.1000/- is not deposited in a year, the a/c will be discontinued and can be revived with a
penalty of Rs.50/- per year along with minimum deposit for that year.
7. Deposit in an A/c may be made till completion of 14 years from date of open.
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8. Amount deposited by 10 of a month will only be eligible for calculation of interest for the month (SB Order
No. 02/2015-Addendum).
9. SSA A/c will earn interest compounded yearly up to completion of 14 years from date of open.
10. Account can be closed after 21years from the date of open.
11. If the marriage of Account holder (girl child) takes place before maturity, the operation of the A/c shall not be
permitted beyond the date of marriage.
12. Partial withdrawal, maximum up to 50% of the balance standing at the end of preceding financial year can
be taken when Account holder (girl child) attends age of 18years.
13. Premature closure is allowed on the following circumstances.
(c) On death of Account holder (girl child). The balance amount with interest will be paid to the guardian.
(d) In case of extreme compassionate grounds such as medical support in life-threatening diseases, death etc.
(e) On the event of marriage of Account holder (girl child) on attending age of 18years or more.
14. Sukanya Samriddhi Account has been specified under clause (viii) of Sub Section (2) of Section 80(C) of
Income Tax Act 1961 and deposits under these accounts enjoy benefit of this lncome Tax Section up to the
overall maximum limit of Rs.One Lakh Fifty Thousand (1,50,000). (SB Order No. 05/2015 dt.08.06.2015)
Opening of Sukanya Samriddhi Accounts (SSA) in Finacle:
1. It requires creation of two CIF – One for the Minor Girl Child & the other is for guardian.
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2. 1 create CIF of guardian (if guardian has no CIF). If exists note it.
3. Then create CIF of the Minor Girl Child giving CIF of guardian when prompted for (guardian CIF is required
whenever minor CIF/Account is opened).
4. SSA is to be opened in the name of the Minor Girl Child giving her CIF (do not open the account in the CIF or
name of guardian).
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5. 1 open the A/c (CPPFAO), 2 – Verify A/c open (CPPFAV), 3 – Take deposit in CTM. 4 –Verify deposit.
 Sukanya Samriddhi Accounts (SSA)– Brief Menu Operations

Open SSA A/c CPPFAO  Function – Open →CIF ID →Click on Go → Mode of Operation - Select from
Searcher → A/c Documents Recd – Yes / No →No. of Documents Recd (If
Yes) → Nomination Details If Any →Document Details If Any → Click on
Submit for Verification. Note A/c ID. (In Scheme Code field, SSA has to
be entered if PPF is appeared or the field is blank. This is mandatory
and to be done very carefully). Supervisor to Verify – Menu – CPPFAV.
Modify SSA A/c before PPFAMBV  Function – M-Modify →A/c ID →Click on Go →Amend details
verification  Click on Submit
Verify SSA A/c Opening CPPFAV  Function – V-Verify →A/c ID →Click on Go → Click on Submit
Funding (Deposit) of CTM  Function – Add →Transaction Type / Sub-Type – Cash / Transfer →Type – N
SSA A/c (Also Ref. CTM – Normal Contribution → Go → A/c No. Credit – SSA A/c ID →A/c No. Debit
under Common) – SB A/c or Office A/c if Transfer selected →Amount →Submit. Note Tran ID.
 Supervisor to Verify – Menu – CTM; Function – V – Verify
SSA New A/c Opening HACSP  HACSP → Go → SOL ID → Scheme Code (as SSA) → Give Open Date Low
List view / print → HPR (From date) → Give Open Date High (To date) →Submit → (A screen appears)
→ Print → (A screen appears with message) “Job initiated. Check print queue
Or HFTI after sometime”.
can be  HPR → Go → HPR screen appears → Select the Box against Report Name
used as “Reports of Accounts Selected” → Click on Print Screen → Click on Print.
under. N.B.: HACSP can be used for every scheme changing scheme code in criteria.
HFTI  SOL ID → Start & End date → Entry User ID → GL Sub-Head-30042 → GO.
From File menu View /Print
N.B.: The daily LOT of SSA is to be prepared manually till provision is made in Finacle for the same.
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 TDA -Term Deposit Accounts: (TD/ MIS / SCSS)
(a) Command / Menu: : (TD/ MIS / SCSS)
TDA -Term Deposit Accounts (TD / MIS) Menu Type
1 Term Deposit (TD / MIS) New A/c Opening MISAO/ CMISAOP/ MISAVF / CMISAOPV V
TDACTOP / TDACTOPV
2 Term Deposit (TD/MIS) New A/c Modify Before MISAMBV/ CMISAOPV V
Verification CMISAOPM
3 TD/MIS New A/c Modify after Verification CMISAM /MISAMAV CMISAM V
4 Funding (TD/MIS) by cash, if not done at open TRCDP/CTM / HCTM TRCDP/CTM / HCTM V
5 Funding(TD/MIS) by transfer, if not done at open TRTFR / CXFER TRTFR / CXFER V
6 Term Deposit (TD/MIS) Interest payment HTM HTM V
7 Closure of Term Deposit (TD / MIS) A/c HCAACTD / HCAACVTD / V
TDACTCL TDACTCLV
8 Inquire Details of Term Deposit (TD / MIS / SCSS) TDINQ TDINQ T
9 Term Deposit (TD/MI /SCSS) Transactions Details HTDTRAN HTDTRAN T
10 View Term Deposit (TD/MIS/SCSS) Interest HIOT / TIPM HIOT / TIPM T
Details of Sanchasy Post (Upto migration)
Time Deposit Special / Extra
1 TD A/c Extension / Renewal / Re-deposit TDRED / HTDREN HTDREN V
2 Closure of Term Deposit (Time Deposit) upon Death of Customer
2a Modification of CIF to enter death information CMRC / CIFMD CMRC / CIFMD V
2b Closure of Term Deposit (Time Deposit) HCAACTD / HCAACVTD / V
TDACTCL TDACTCLV
MIS Special / Extra
1 MIS A/C Individual Holding Status CLIMIT CLIMIT T
2 Closure of MIS Upon Death of First of the Joint A/c Holder where
amount is more than the prescribed MIS limit
2a Modification of CIF to enter death information CMRC CMRC V
2b Closure (Withdrawal of Excess Amount from HCAACTD HCAACVTD / V
MIS Limit) of MIS Deposit TDACTCLV
2c Merger of CIF HCCA HCCA V
2d MIS account modification to single a/c CMISAM CMISAM V
TDA -Term Deposit Accounts (SCSS A/C)
1 SCSS New A/c Opening CSCAOP / SCSSAO CSCAOPV / SCSSAV V
2 SCSS New A/c Modify Before Verification CSCAOPM CSCAOPV V
/SCSSMBV
3 SCSS New A/c Modify after Verification CSCAM / CSSMAV CSCAM V
4 SCSS A/c Extension / Renewal for next 03years HTDREN HTDREN V
5 Closure of SCSS A/c on maturity HCAACTD HCAACVTD V
6 Death Closure within Lock-in Period
6a Transfer to exceptional scheme HACXFRSC HACXFRSC V
6b Modification of Interest Rate HINTTM HINTTM V
6c Closure of SCSS a/c HCAACTD HCAACVTD V
7 SCSS Transfer in from Bank / Non-CBS PO SCSSAO HCAACVTD V
Some Tips on TDA (MIS/SCSS/TD):
1. MIS/SCSS/TD interest is not paid for the opening date, but paid for the closure date.
2. Interest is not credited to the MIS/TD and SCSS A/cs. Interest of these accounts is calculated and credited into
specific office Sundry A/cs or to the customer’s repayment Savings A/c (if given).
3. Interest of TDA (MIS/SCSS/TD) flows and comes in the name of the USER who runs HSCOLD.
4. Interest of TDA (MIS/SCSS/TD) which is credited to Sundry A/c earns no interest & is to be paid from Sundry
A/c.
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5. For smooth & correctness of payment, advice the customers to take payment of interest & closure amount on
the next day of due date.
6. If due date of closure falls on Sunday/Holiday, close the A/c on the next working day, but if the A/c is closed on
the preceding day of Sunday/Holiday, then it will be treated as PMC.
7. Conditional PMC. Lock in period of MIS & SCSS is 01(one) year and of TD is 06months. These A/cs cannot be
closed before lock in period in normal situation. (TD lock in period of 06months is re-introduced vide SB Order
No.9/2015 dated 03.09.2015 which was removed vide SB Order No.05/2014 dated 20.05.2014).
8. TD A/cs not closed on due date; will be renewed automatically for the same period as it was originally.
9. PMC is not applicable to auto renewed TD A/cs.
10. Discount at the prescribed rate is levied for PMC of MIS & SCSS after 01(one) year of lock in period.
11. When a SB A/c is specified as repayment A/c; SCSS closure interest (especially when closure date is not a
quarter ending) comes in the Deposit side of SB LOT & in the name of person who runs HSCOLD. To adjust it,
take print out of SCSS Auto list.
 TDA -Term Deposit Accounts: (TD/ MIS) – Brief Menu Operations

Open Term Deposit CMISAOP /  Function – O-Open → CIF ID → Product Group – TD or MIS → Scheme Code –
A/c (TDA) - TD/ MIS MISAO select from searcher → Go → Mode of Operation – select from searcher →
Deposit Amount – Amount of TD or MIS → Agent/Employee Code- select
Radio button- None/Agent/Employee (select None if not through Agent) →
Agent ID (Leave blank if not through Agent) → Nomination – Yes/No – If Yes
Fill Nomination details → Renewal Option – Principal Only → Transaction
details -Transaction Required – Yes/No → Transaction Creation during - A/c
Opening or A/c Verification (If A/c Verification is selected, then after
verification by Supervisor, it will ask to do funding. But in our case funding
during A/c Verification is not activated) → Transaction type – Cash/Transfer
→ Debit A/c No. (Give if trans. Type is Transfer) → Document details - A/c
Documents Received – Yes/No → No. of Documents Received →Doc Details
– give all document details →
 Interest credit A/c & Repayment A/c - Leave blank for Cash, SB A/c for SI.
 In case of ECS Option:
o ECS – Yes → Flow Code – IO → Amt Type – P – PCNT → Pcnt – 100% →
Other Party A/c ID – Beneficiary A/c No. →Other Party Name – Beneficiary
Name →Other Bank Code – Pick from Searcher → Other Branch Code – Pick
from Searcher
 Click on Flow Details Tab → Submit. Note A/c ID & Tran ID
 Supervisor to verify – Menu– CMISAOPV / MISAVF; Function – V-Verify
Modify TD/MIS a/c CMISAOPM  Function – M- Modify → A/c ID → Go → Amend details → Click on Submit.
before verification / MISAMBV  Supervisor to verify – Menu – CMISAOPV / MISAVF; Function – V-Verify
Funding TD/MIS A/c TRCDP/CTM  TRCDP/CTM for Cash & TRTFR / CXFER to transfer.
after Opening or TRTFR /  Supervisor to verify Funding in same menu option
CXFER
Modify existing TD/ CMISAM /  Function – Modify → A/c ID → Go → Amend details → Click on Submit.
MIS A/c MISAMAV  Supervisor To Verify – Menu - CMISAM /MISAMAV; Function – V-Verify
Verify TD/MIS A/c CMISAOPV  Function – Verify → A/c ID → Click on Go → Click on Submit
Opening / MISAVF
Enquiry of Unpaid HIOT  Sold ID → Click on OAP Button → A/c ID – Interest Sundry A/c No. of TD / MIS
TD / MIS Interest / SCSS → Give Start Amount & End Amount as Interest Amount → Filter –
lying in Sundry A/cs Select Partially or Unresponded → Ref No. – TD / MIS / SCSS A/c No. →Click
on Go → Next Screen – Unpaid Interest amounts if any are reflected
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Payment of TD / MIS HTM 1 use HTDTRAN to know where Interest Outflow has occurred. If to SB A/c
/ SCSS Interest by withdraw from SB; If to Sundry A/c do as under.
Cash from Sundry  Function: Add →Transaction Type / Sub Type – C/NP – Cash/Normal Payment
A/c → Go → Next screen comes → Debit A/c ID – enter Sundry A/c No. of TD /
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At times HTDTRAN does not show MIS / SCSS Interest (0335/0337/0338) as the case may be → Amount - Enter
interest out flow. Then use HFTI amount of TD/ MIS / SCSS interest to be paid →Ref No. – enter TD / MIS /
to know interest out flow. If not, SCSS A/c No. as the case may be → Restore Values: A–Additional Part Tran
verify from Sundry A/c using Details → Go → Next screen comes – Transaction Maintenance Minor
HACLINQ & giving interest flow Subsidiary details → Start Amt. & End Amt. – Delete both → Ref No. – enter
date, Sundry A/c No. & TD / MIS / TD / MIS / SCSS A/c No. → Go → Next screen comes → Click (Tick) on Check
SCSS A/c as Ref. No. Box of required row which contains unpaid TD/ MIS / SCSS interest of the A/c
Scheme Sundry A/c → Accept →(backs to previous screen) → Post/Submit. Note Tran ID.
MIS SOLID+0337;  Due to some reasons, Interest Amount flows to Sundry, shows nil interest.
TD SOLID+0335; To overcome it, adopt the following process.
SCSS SOLID+0338)  Same as above with following modified entries.
 In 1 screen – Amount should be 0 (zero), if not accepted by system, then
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nd
system populated amount → In the 2 screen in the start and end amount
field, entered no amount in additional part transaction details screen, & do
not select anything from the Filter except Select → ……
 Supervisor to verify - Menu – HTM; Function – V – Verify
Close Term Deposit HCAACTD / Trial Closure: Function – L – Trial Close → A/c ID → Go →Click on Closure
(TD/ MIS) A/c TDACTCL Details Tab → Close Mode – Select Cash / Transfer →Click on Closure
Exceptions Tab →Closure Reason - Select from the Searcher → Submit
 Print Report in HPR and file. Payment is to be made as per the report.
Final Closure: Function Z – Close → A/c ID → Go →Click on Closure Details
Tab → Close Mode – Select any one appropriate option (for details see
standard options under Account Closure) → Click on Closure Exceptions Tab
→ Closure Reason - Select from Searcher → Submit → OK. Note Tran ID
 Supervisor To Verify – Menu - HCAACVTD / TDACTCLV; Function – V-Verify
N.B.: Bonus if any for MIS accounts, will not be shown in the closure details
screen, but will appear in the report generated in HPR during trial closure.
Verify closure of TD/ HCAACVTD  Function – V-Verify → A/c ID → Go →Click on Closure Details Tab
MIS A/c / TDACTCLV  Click on Closure Exceptions Tab → Submit – Note Tran ID
 TD - Special – Brief Menu Operations

Closure of Term CMRC /  Function – M – Modify → CIF ID → Go →Customer Status – Deceased →
Deposit (TD) upon CIFMD Date of Death – Give DoD of customer → Submit.
Death of Customer  Supervisor to verify – Menu– CMRC / CIFMD ; Function – V-Verify
HCAACTD  Function Z – Close → A/c ID →Closure Value Date – Previous completed
year of TD tenure → Go → Click on Closure Details Tab → Collect Penal Flag
– No → Close Mode – Select any one appropriate option → Click on Closure
Exception Tab → Closure Reason – DTCLM → Submit. Note the Tran ID
(Closure Value Date – Previous completed year of TD tenure: E.g. 5year TD
opened on 5-3-2010. Depositor dies on 18-07-2013. Death claim closure done
on 25-10-2013 (after 3 years, 7 months and 20 days). Completed year of the
TD tenure as on date of death is 3 years. The closure value date is 5-3-2013.
Also same for normal Pre-mature closure).
 Supervisor to verify – Menu– HCAACVTD / TDACTCLV ; Function – V-Verify
HCAACVTD /  Function – V-Verify → A/c ID → Go → Click on Closure Details Tab
TDACTCLV  Click on Closure Exception Tab → Click on Submit. Note the Tran ID
PMC of TD HCAACTD Same as above - Closure of TD upon Death of Customer – HCAACTD.
TD PMC Verification HCAACVTD Same as above - Closure of TD upon Death of Customer – HCAACVTD.
TD A/c Renewal / TDRED / Gets automatically renewed. If any one missed, then use the menu.
Re-deposit HTDREN Function: R-Renewal →A/c Id →Go → Effective open date (Maturity date) →
Renewal option (P-Principal only) → Renewal scheme code (select from
searcher) → Renewal period (default is 12months, change it) → Calculate
overdue int. (No) →Print renewal confirmation (Immediately / Later) →
Submit. Result screen shows – Account renewed successfully.
Supervisor to verify – Menu– HTDREN.
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 MIS - Special – Brief Menu Operations
Inquiry on holding CLIMIT  CIF ID or A/c ID
amount of an MIS  Click on Submit
A/c holder
Closure of MIS / CMRC  Function – M – Modify → CIF ID of First Holder → Click on Go → Customer
Reduction of Status – Click on Deceased → Date of Death – Enter DOD of customer→ Click
Principal Upon on Submit to Verify.
Death of First of the  Supervisor to verify – Menu – CMRC / CIFMD ; Function – V-Verify
Joint A/c Holder HCAACTD  Function Z – Close → A/c ID → Closure Value Date – Date of Death (see
where amount is value date table) →Withdrawn Amount – Excess Amount from MIS Limit→
more than the Click on Go → Click on Closure Details Tab → Collect Penal Fee – No → Close
prescribed MIS limit Mode – Select any one appropriate option → Click on Closure Exception Tab
→ Closure Reason - DTCLM→ Submit. Note Tran ID.
 Supervisor to verify – Menu– HCAACVTD / TDACTCLV; Function – V-Verify
HCAACVTD /  Function – V-Verify → A/c ID → Go → Click on Closure Details Tab
TDACTCLV  Click on Closure Exception Tab → Submit - Note the Tran ID
HCCA  Function – M-Modify → Account no. – MIS A/c ID → Go→ New CIF ID – Give
new CIF ID of the survivor → Change name – Yes →Reason Code → Submit
for verification. Supervisor to verify – Menu – HCCA ; Function – V-Verify
CMISAM  Function – M-Modify → A/c ID – MIS A/c ID → Go → Mode of Operation –
Self → Submit. Supervisor to verify - Menu – CMISAM; Function – V-Verify
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SCSS Note: Interest of SCSS shall be payable from the date of deposit to 31 March / 30 June / 30 September /
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31 December on 1 April/ July/October/January (SB Order No.5/2014).
 SCSS A/c – Brief Menu Operations

Entire processes are same as in Term Deposit (TD/MIS) A/c. Only one amendment; Select Scheme Code at the time of
Opening the SCSS A/c. Note Menus are different from TD A/c.
SCSS New A/c CSCAOP  Entire processes are same as in Term Deposit (TD/MIS) A/c. Only one
Opening amendment; Select Scheme Code at the time of Opening the SCSS A/c.
Scheme Code – click on searcher – click on Submit on next screen and select
one of the following :
SCSCM – Sr. Citizen Savings Scheme - 60 years or above
SCDEF - SCSS – Retired from Defence – Age above 18 years
SCVRS - SCSS – Voluntary Retirement – Completion of 55 years
For Joint A/c, in Related Party-2 select Relationship as “Spouse” but not “Wife”
or “Husband”.
 Supervisor to verify - Menu – CSCAOPV; Function – V-Verify
SCSS New A/c CSCAOPM  Function – M- Modify → A/c ID → Go → Amend details → Click on Submit
Modify Before  Supervisor to verify – Menu – CSCAOPV; Function – V-Verify
Verification
SCSS New A/c CSCAOPV  Function – Verify → A/c ID → Click on Go → Click on Submit
Verification
SCSS New A/c CSCAM  Function – Modify → A/c ID → Click on Go → Amend details → Submit.
Modify after  Supervisor To Verify – Menu - CSCAM; Function – V-Verify
Verification
SCSS Extension / HTDREN Operation with problem solution is given below
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Renewal for  Function: R-Renewal →Acct. ID (Give A/c No.) →Go → Effective open date (Maturity date)
next
03years → Renewal option (P-Principal only) →Calculate overdue int. (No) →Print renewal
confirmation (Immediately / Later) → Submit. Result screen shows – Account renewed
successfully. Supervisor to verify – Menu– HTDREN.
Due to 1 day excess interest credit in some SCSS Accounts, an IAR (Interest Audit Register)
entry has been made, so that Finacle may not allow renewal displaying error “W0205 - Acct
balance [ 99990.00] after lien [ 0] not sufficient for Renewal Amt [ 100000.00]". Because the
balance amount after lien is not be in multiple of 1000/-. To overcome do the following:
12. Invoke renewal and see the amount of IAR entry.
13. Ask depositor to pay this amount as it was excess paid interest.
14. Amount collected should be credited into UCR and receipt be given to customer.
15. Renewal application should be retained.
16. A letter/mail is to be sent to SBCO mentioning the ACG-67 number and amount
collected for removing IAR entry.
17. Incharge SBCO will Go to HIARM menu and remove the entry. Steps are as under.
Invoke HIARM →Function- M-Modify → A/c./Bill/Disbursement - select A-A/Cs →
A/c./Bill/Disbursement ID – Give SCSS A/c ID →SOL ID → Go → Tick the check box where
remarks is “DAILY_FACTOR_INT_CORRECTION” → Submit – Result page appears →
Accept. Now entry has been deleted.
18. Once entry is removed, intimation should be sent to concerned post office which will
renew the account as usual.
SCSS Closure HCAACTD  Same as TD closure.
Death Closure HACXFRSC  Function – T – Transfer → Go →A/c ID → Target Scheme Code – Give
within Lock-in Exceptional Scheme Code for SCSS → Select Target GL Subhead Code →
Period Submit. Note Instruction No.
 Supervisor to verify – Menu - HACXFRSC; Function – V-Verify. HPR – Report
HINTTM Only Supervisor can close the a/c which is to be verified by Postmaster
 Function – M – Modify →A/c ID – SCSS A/c ID → Go →Interest Table Code –
Delete present value and select SBRATE from the searcher →From Date –
Date of death → Submit. Supervisor to Verify – Menu – HINTTM.
HCAACTD  Function Z – Close →A/c ID → Go → Closure Value Date – Will be
automatically given by the system as the date of death →Withdrawn Amount
– Excess Amount → Click on Closure Details Tab →Collect Penal Flag – No →
Close Mode – Transfer →Repayment A/c ID – SB A/c or Post Master Cheque
→Click on Closure Exception Tab →Closure Reason – DTCLM → Submit. Note
Tran ID. Supervisor to Verify – Menu – HCAACVTD.
In case of  In Sanchay Post interest of first day is paid in advance. In finacle there will be interest
premature closure adjustment after migration. Customer will get one day interest less. So to avoid reduction of
or normal closure interest in FINACLE in the immediate quarter HIARM interest adjustment entries are done.
of SCSS – where Lien  During Pre-mature closure of SCSS account, system will pay 1 day interest in excess in
has been put for the finacle; to collect, user has to manually lift the lien and collect the 1 day interest given in
extra interest HIARM menu and close the account. This is applicable only in case of premature closure of
(IAR removal SCSS account and for migrated accounts only. For normal closure system will adjust.
procedure is given  Office Acct ending with 0323 will be used to credit the same. There is no automatic
under SCSS adjustment as it is a Lien. The user needs to do a CXFER to collect the same.
extension)  Process in case of premature closure of an account for any date between migration date
and the 1st quarter of interest application by Finacle:-
a. Post office to refer to the file provided by SDC for interest adjustment for the account to
be closed. (File will be shared as part of migration by Infosys to SDC).
b. Invoke CTM (for cash)/ CXFER (for transfer to SB A/c) to collect the amount of adjustment
(noted down in point a) and credit office account specially created for this adjustment.
c. Invoke HCAACTD to close the SCSS account.
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SCSS Transfer in Manual & Manual procedure
from Non-CBS PO Finacle 1. Customer will submit request for transfer where the a/c stands.
procedure 2. Concerned office will process the SCSS transfer and send the transfer form,
(Stopped vide SB CDEDUP → passbook, statement (if any) along with the fund (cheque , Draft, fund
Order No.7/2015) CCRC → transferred etc.) to destination CBS branch.
SCSSAO → Finacle procedure
HCAACVTD 3. Obtain AOF & KYC documents.
4. Check for CIF (CDEDUP) & if found open A/c. If no create CIF (CCRC).
5. Open the SCSS a/c (SCSSAO) → Function – A-Add → CIF ID →GO →Account
opening (Transfer In) →Deposit period (remaining period of the deposit) →
Deposit amount (principal amount) →Passbook issue date (date on which the
passbook will be issued) →Transfer from (HO/SO code or select the id from the
searcher) → Fill other fields required for A/c opening →Submit for verification.
Supervisor to Verify – Menu – HCAACVTD; Function – V – Verify
SCSS Transfer out to Manual procedure 1 & 2. Finacle procedure 3 to 10.
Non-CBS PO 1. Customer will submit request for transfer where the a/c stands along with required KYC.
2. Concerned office will verify the documents & process the transfer.
Manual & Finacle 3. Supervisory to invoke HINTTM → Give SCSS account number and attach zero interest
procedure table code from 01-April-FY till date of transfer.
(Stopped vide SB 4. Postmaster or another Supervisor to verify HINTTM, (Menu HINTTM; V-Verify) screen to
Order No.7/2015) ensure no interest is applied to the SCSS account on account closure process.
5. Supervisor to invoke HCAACTD (Account Closure menu) and close the SCSS account.
6. Postmaster or another Supervisor to verify closure, (Menu HCAACVTD; V-Verify).
7. PA to invoke HACSP menu (Account details) →Give SCSS account number → print the
account details for the customer & hand over him a copy.
8. PA to invoke HPSP menu →Give SCSS A/c No. and print the statement of account.
9. Now the transfer form, passbook, KYC documents, statement if any (account details,
statement of account along with the fund (cheque, draft) to Non CBS branch.
10. Now the SCSS transfer is complete.
N.B.: 1. SCSS Transfer in/out between CBS & Non-CBS PO is a provision available in Finacle. But Post Office should
act as per POSB Rules & Orders.
2. Now it is noticed that monthly / quarterly interest of MIS & SCSS is not differing depending upon number of
days in a month / quarter. But information about it is yet to be received.
 TDS
(a) Command / Menu: TDS
TDS Menu Type
1 Refund of TDS HRFTDS ----
2 Take TDS before Closure of NSS HCACC HCACC V
3 Tax Report Options HTDSIP HTDSIP T
Mostly TDS is deducted from SCSS & NSS A/cs. It depends upon the following criteria.
Sl. Items TDS Remarks
1 Not given anything 20% For no TDS, the depositor has to give an
2 PAN Not given 20% undertaking he has not availed any exemption
3 PAN given but 15G or 15H not given 10% and his income is not taxable along with 15G
4 PAN,15G or 15H given but income is taxable 10% or 15H & copy of PAN. In this case CIF has to
5 Exemption from Income has already been 10-20% be modified indicating No Tax. But in case of
availed on NSS deposit. Withdrawal for 2500 NSS’87 there will be TDS.
or more & closure is taxable.
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1. Tax at source is deductible (TDS) on some interest paid or payable above Rs.10, 000/-. The brief of Tax free &
Taxable Income related to POSB is as under.
Free / relaxation from Income Tax Taxable
19. PPF & SSA deposits & Interest 1. SCSS interest is liable for TDS.
20. 5Years TD deposit (Under 80C) 2. NSS-87 Principal, Interest is liable for TDS.
21. 20% of face value of NSC. 3. Agent commission is liable for TDS.
Taxable But no TDS
1. Savings A/c Interest above Rs.3500/- for Single & Rs.7000/- for Joint A/cs.
2. RD, MIS, TD, KVP & NSC interest
2. Form-15G/15H can be submitted at any time during the financial year provided tax liability on the basis of
estimated income is NIL.
3. Form 15G can be submitted by:-
1) A person who is a resident in India and below the Age of 60 Years or By Hindu undivided families.
4. But Form 15G cannot be filed by any person whose income from interest on securities/interest other than
“interest on securities” exceeds the applicable basic exemption limit.
5. Form 15H can be submitted by:-
- A person who is a resident in India and above the Age of 60 Years (by senior citizens with Age above 60 years).
- Hindu undivided families but only by Individual above the age of 60 years.
Refund of TDS
1. Refund of TDS has to be made before submission of tax returns by respective HOs. No TDS refund should be
made after remitting TDS to IT Department. Customers can get it from IT department after filing returns.
2. Ensure that copy of PAN and properly filled in Form 15G/15H has been received.
3. Modify CIF to change Monthly Income & status of Tax as “No Tax”. Modify A/c & update “Tax Form”.
4. Write an error in the Error Book showing detail of account number and amount of TDS wrongly deducted.
5. The authority maintaining TDS (e.g. Postmaster of HPOs) has to issue sanction of refund of TDS.
6. Thereafter the TDS can only be refunded.
7. On returning the TDS, show this amount as TDS Refund in the daily account or cash book.
 TDS – Brief Menu Operations

15G/15H updation  Invoke Menu for Modification of existing A/c →Select Tax Form (In case
of SB, select 15G / 15H) – select from searcher – 15G or 15H →Submit.
Refund of wrongly deducted HRFTDS  TDS should not be refunded without permission of Postmaster.
TDS in SCSS / NSS
 Write an error in Error Book giving details of A/c and amount of TDS wrongly deducted. Competent authority has
to issue sanction of refund of TDS.
 Menu – HRFTDS → Report to – Postmaster → enter the SCSS / NSS A/c ID in the field” From A/c ID & To A/c ID”
→ trantype as Transfer. Cash option should not be used in transtype. → Click Go → TDS amount deducted will be
shown. → enter the customer's SB a/c as “Refund A/c ID” field to Transfer the amount OR enter office account
0340 to pay by Cheque. Show this amount as TDS Refund in the daily account or cash book. Note Trans ID.
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 Transaction: its ID, Cancellation & Verification and Use of HTV
Transactions are of two types - Financial or Non-financial. Almost all transaction screens contain a button called
“Validate”. On completion of data entry of a transaction, click on Validate to ensure there is no error in data entry.
If there will be any error, message will be displayed. Click it; it will take the cursor to the field which contains error.
Financial transaction involves accounting. In Finacle, there is some defined terms are used to specify the Financial
transaction & accounting as under.
Mode of Transaction Type/Subtype Remarks

Transaction
By Cash T/CI-Customer Induced OR Used for deposit / Withdrawal / closure by
transaction
Financial
C/NR-Cash Deposit / Cash Normal Receipt cash

By Cheque / T/CI-Customer Induced OR Used for deposit / Withdrawal / closure by
transfer T/CI-Transfer Customer Induced OR cheque or transfer to/form SB or Office A/c
T/CI-Customer Transfer
Non-cash T/BI-Bank Induced OR Used for deposit / Withdrawal / closure of
(Adjustment) T/BI-Transfer Bank Induced BO Transactions at Account Office
By Cash C/NP-Cash/Normal Payment HTM menu. Used for TDA Interest payment
By Cheque T/CI-Customer Induced HTM menu. Used for TDA Interest payment
through transfer to SB from Office A/c
Non-cash C/CT- Cash/Cash Transfer HTM menu. Vault operation
(Adjustment)
A. Creation of Transaction:
Supervisor/Postmaster is authorized to initiate a few special transactions (indicated under “Works that can be
initiated by Supervisor / Sys. Admin./ Postmaster”). He must not initiate any other transaction ((Financial or Non-
financial). Else it may create problem and may require reporting to higher hierarchy/authorities for solution.
A/c opening by Supervisor/Postmaster: To be verified by Supervisor/Postmaster of another SOL.
Funding by Supervisor/Postmaster: To be verified by another Supervisor of same SOL. It cannot be verified by
Supervisor/Postmaster of another SOL. For TDA category, verification cannot be done by PA also. It is to be
reported to higher hierarchy/authorities for solution.
A/c closure by Supervisor/Postmaster: To be reported to higher hierarchy/authorities for solution. If it is verified by
Supervisor/Postmaster of another SOL, then it appears in the LOT of the SOL who verified it. It may create
problem in tallying in the afternoon. Be careful for it.
As and when any transaction (Financial or Non-financial) is performed, before it committed (saved) to database, it
passes through different stages and different types of IDs are generated. Finacle operation is based on maker
(user who starts the transaction) and checker (user who verifies the transaction).
Example of IDs: On CIF creation – CIF No.; New A/c opening – New A/c No.; Deposit / Withdrawal / Inventory –
Transaction ID; Cheque clearing – Set ID / No.
(I) Each transaction has three stages and each stage has two aspects.
Stage Aspect / legs Remarks
Initiation of transaction Entry mode – Posted mode IDs are generated.
Funding – Amount Debit – Credit One A/c debit & other A/c credit to
make the balance 0(zero)
Completion of Authorises acceptance of Verification is done basing on IDs
transaction transaction – data committed generated.
(Verification) to database
(II) Some IDs are generated only once and constant till the A/c is alive such as CIF No., A/c No., Regd. No.
(III) The other IDs generated are related to the transaction and called Transaction ID. One transaction ID is
generated for each transaction. In Cheque clearing, Set ID / No are generated.
(IV) It is very much important that the above said IDs are to be noted in the instrument / document in the
prescribed space (In AOF & KYC Form there is prescribed space to note CIF No., A/c No., Regd. No.). If there
is no prescribed space, the required IDs may be noted on the top of the instrument / document (e.g. Trans. ID
in Deposit / Withdrawal form) to enable the Supervisor to verify.
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B. Cancellation of Transaction: (To be done by PA / Supervisor before verification)
If there is anything to cancel, then “Do not use HTV until cancellation is completed”. Otherwise no
one can help. First identify the stage / status of the transaction & act accordingly as under.
On completion of transaction by Counter PA or as an EOD batch jobs, it will be in Entered Stage, Posted Stage
(partly committed) or posted (committed) to database.
 Posted: Certain transactions get verified automatically. e.g. instant counter limit, all types of SI / auto transfers,
TDA interest out flow. These transactions cannot be cancelled.
 Posted Stage: This transaction cannot be cancelled. Supervisor has no option but to verify.
(I) Normally this happens in RD/MIS/TD/SCSS/PPF/SSA Deposit.
(II) At times due to some problem during EOD (HSOLCOP, HSCOLD & DC closure), some EOD batch job
transactions remains in Posted Stage. These are to be verified by Supervisor (other than who performed the
EOD or in whose name the transaction is created) after clearing Entered Stage transactions.
 Entered Stage: This transaction can be cancelled. Normally this happens in Certificates (KVP/NSC) Issue. At
times due to some problem transactions remain in Entered Stage. Note the Trans. ID & Delete the Trans. ID
using HTM.
C. Cancellation of New A/c or CC - In Entered Stage:

I. With Funding: Note the Trans. ID & A/c No. Delete the Trans. ID using HTM. Then Cancel A/c creation. For
SB/PPF/SSA use normal verification menu (new a/c verification) – Function: X-Cancel. For TDA category
(RD/MIS/TD/SCSS/CCs) use normal verification menu (new a/c verification) – Function: X-Cancel. If error
comes, use menu HOAACVTD – Function: X-Cancel → CIF ID → Regd. No. or Temporary A/c ID. RD may not
get deleted.
II. Without Funding: No Trans. ID. Delete A/c creation as given above.
D. Cancellation of Fake New A/cs: Same as above. Use menu HOAACVTD for CCs if Regn. No. is wanting.
What is a fake A/c? Mostly during the slowness of Finacle, new a/c creation screen does not close on clicking
on Submit. If the user clicks on Submit again or closes the screen, some more a/cs get created automatically.
st
The 1 one is the real account and others are fake (unwanted / duplicate) accounts.
E. Cancellation of Closure: Use Closure verification menu (menu to verify closure of a/c) – Function: X-Cancel.
Visit all the Tabs. Reverse the amount manually, if required.
F. Verification of Transaction:
(II) Verification of New CIF / Account opening / Certificate issue must be done using respective verify commands /
menus for new items (Menu: CIF=CCRC; KVP/NSC= CSCOAACV; PPF= CPPFAV; RD= CRDOAACV; SB= CASBAV;
SSA=CPPFAV; TD/MIS= CMISAOPV; SCSS= CSCAOPV).
(III) Verification of modified existing items must be done using respective verify commands / menus for
Verification of Old (existing) A/c (e.g.: Menu: CIF=CMRC; KVP/NSC= CSCOAACV; PPF= CPPFAV; RD=
CRDOAACV; SB= CASBAV; SSA=CPPFAV; TD/MIS= CMISAOPV; SCSS= CSCAOPV).
(IV) Verification of Funding (Deposit / Withdrawal) & Closure must be done using respective verify commands /
menus for Funding & Closure.
(V) Do not verify the above (IV) to (VII) using HTV Command (See Critical Verification).
(VI) Normally Finacle generates following three types of Transaction ID.
ID type Remarks
1 Alpha-numeric To be verified by Supervisor. At times requires verification by two Supervisors.
starting with IN
2 Alpha-numeric Gets generated by System itself. Transaction IDs of Auto transfer, Transactions
starting with S generated during System unresponsive, Trans. ID of Inter SOL transactions etc.
(called system starts with S. System generated IDs require verification by Postmaster. Normally
generated IDs) the Menu – HTM / HTV is used to post/verify System generated IDs.
System generated Trans. ID of Inter SOL transactions are generated at the SOL to
which the A/c belongs. This does not require verification. It gets adjusted on
reconciliation of Inter SOL transactions at CEPT, Chennai.
3 Numeric To be verified by Supervisor. At times requires verification by two Supervisors.
(VII) All these are to be verified by the Supervisor immediately. The command / menu for verification have already
been discussed under respective schemes / items of work.
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(VIII) Critical Verification-1 – Normal Situation – Finacle working Normal: Use of HTV
Verify the A/cs and transactions as indicated above in (IV) to (VI). On completion, only RD & some system
generated transactions will remain. Now HTV may be used for bulk verification.
(IX) Critical Verification-2 – Normal Situation – Not authorized to verify part trans 2
nd
Required to be verified by 2 Supervisor.
(X) Critical Verification-3 – Normal Situation – Finacle working Normal: Problem in interest flow / DSA
modification / closure etc. – Use HAFI to identify the A/cs and verify.
Unverified accounts can be listed by using the HAFI menu.
SOLID: Default SOLID; Ref. No.: Enter one or two spaces; Table Short Name: GAM
**General Ledger Subhead Code: (Type as per scheme);
Authorize: Select the radio button 'Not Authorized';
Function Code: M(for Modify) or A (for new accounts), Blank for All
**General Ledger Subhead Code (GL Heads ): SB=30001; PPF=33001; NSS87=30021; NSS92=30022; MIS= 30016;
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TD=30011; SCSS= 30020; SSA=30042; RD=30010; KVP=32027; NSC 5yr 8 Issue= 32001; NSC 10yr
9th Issue= 32003. *Keep General ledger sub head blank to list all unverified accounts.
Accounts thus identified have to be verified to ensure interest flow / DSA modification / closure etc.
(XI) Critical Verification-4– Situation partially Normal or abnormal – Finacle stops at times: Do not use HTV
During this situation, fake/unwanted A/cs get opened due to more than one click on Submit.. Verify the A/cs
and transactions as indicated above in (IV) to (VI). On completion, identify the fake/unwanted A/cs. These
will be in entered state. Delete them using HTM.
If HTV is used to verify, the fake/unwanted A/cs will remain in POSTED stage and will not be get deleted in
HTM. There will be no other alternative, but to verify and account for them and later on exceptional /
irregular closure to be done. (Emergency verification menu for fake/unwanted A/cs= HOAACVTD:
Closure=HCAACVTD).
(XII) Critical Verification-5–Auto credits TDA Interest are in Posted stage.

On execution of HSCOLD, due interest of MIS/TD/SCSS A/cs get auto credited either to Repayment A/c or to
Office Sundry A/c and gets verified by system. But at times due to reasons unknown, the said interest
amounts remains in Entered stage creating EOD Blocking validations. These are to be verified & posted by the
Supervisor or higher class user other than who performed EOD using Menu option HTV. HTV is also used to
verify system generated Inter SOL ID.
(XIV) HTV menu: Trans Type/Sub-type: Select → Part Trans. Status: Both →Part Trans. Type: Both → Processing
mode: Manual-Default selected → (left other fields blank) → Go → in next screen click Submit.
 URLs – Some Important Ones

Item URL / Web site address
1 India Post web site http://indiapost.gov.in
2 Finacle Data Server (Fincore) https://dpdcpfjc.fsi.indiapost.gov.in:1443/finbranch/ui/SSOLogin.jsp
3 Finacle MIS Server https://dpdcpflmis.fsi.indiapost.gov.in:1443/finbranch/ui/SSOLogin.jsp
4 Agent Portal http://dopagent.indiapost.gov.in
5 India Post email web site http://webmail.indiapost.gov.in
6 Sanchay Post, Finacle, Data http://tamilnadupost.nic.in/sdc/index.htm
Migration, Negative list Info.
7 To know network bandwidth http://reports.indiapost.gov.in
utilization (eHealth)
8 Network fault booking https://Sevicedesk.indiapost.gov.in:8080
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 Users in Finacle
(a) Following Work Class/Group/Role exist in CBS Finacle.
Work class/group/role Role ID Who works
1 Administration Admin Administrative Officers
2 Auditor / Inspector AU Inspecting Authorities
3 Postmaster PM Postmaster of HPO
4 Supervisor SU SB Counter Supervisor
5 Counter Assistant CPA SB Counter Assistant
7 System Administrator SA System Administrator
8 SBCO PA SPA SBCO PA
9 SBCO Supervisor SSR SBCO Supervisor
10 CPC Maker CPM CPC PA
11 CPC Checker CPC CPC Checker/Supervisor
12 CPC In charge CPI CPC In charge / SPoC
N.B.: Normally Administrative Officers, Auditor – Inspector (Inspecting Authorities) & SBCO staff comes
under one work class of Admin/Auditor/SBCO.
(b) One or more person is working in each User Class/Group/Role. Each user (person working) need to know
his (1) Employee ID (Normally GPF No. or PRAN No. and PAN in special case – where PRAN not issued &
service is less than one year), (2) Finacle Employee ID – derived from Employee ID, (3) Role ID (Work
class), (4) User ID (assign to each person for login) and (5) remember password & must not disclose it.
(c) Each user (person working) is attached to a SOL. Whenever / wherever the user (person) logs in, Finacle
automatically takes him to his own SOL (SOL to which he is attached) and the SOL ID is auto-populated.
(d) Employee Role Limit (Cash) for SB Counter Assistant is INR.5000/- (means he can make transactions in
Savings A/cs up to INR.5000/- without approval of Supervisor, i.e. Instant Counter Limit).
(e) Employee Role Limit (Cash) for other users is nil / zero (0).
(f) Only SB Counter Assistant has Teller A/c ID and can perform financial transactions. Other users cannot
perform financial transactions. (Exception: In a few cases Finacle accepts transactions by Supervisor, but
creates problem in verification and do not come in LOT).
(g) Postmaster/SPM of MDG & S.Os comes under Supervisor group.
(h) SOL/Role change is not permitted if the user is in possession of inventory (cheque or certificate) with him.
(i) New User Creation: To be submitted by concerned Divisions to concerned CBS CPC in the prescribed
template for onward submission to CBS CEPT, Chennai through designated URL.
(j) SOL/Role change: To be submitted by concerned Divisions to concerned CBS CPC preferably in the
following proforma for onward submission to CBS CEPT, Chennai through designated URL.
Proforma for SOL / ROLE Change (Please prefer to send one consolidated list for a day)
Name of the Division: Date:
If Inventory Exists in the name of the User, his SOL/Role cannot be changed until it is cleared.
Name of Finacle Finacle From SOL Current To SOL Require Effective Inventory Inventory
the EMP ID User ID ID & SOL Role ID & Role (SU, Date Exists in his Authorisat
Employee Name SOL CPA, name (Y ion
Name SU+CPA, /N) required
PM,SA ) (Y/N)
EMP1
N.B.: New User Creation & SOL/Role change should preferably be sent to concerned CBS CPC at least
one day earlier and by 1200hrs.
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 Vault Transaction
(k) Command / Menu: Vault Transaction
Vault Transaction Menu Type
1 Transfer of Cash HTM HTM V
2 A/c Ledger Inquiry HACLI HACLI T
3 A/c Balance Inquiry HACCBAL HACCBAL T
4 Office A/c Ledger Inquiry HACLINQ HACLINQ T
5 Cash Reports (Counter-wise) HFINRPT HFINRPT T
6 Shroff / Teller Cash Report HSCWRPT HSCWRPT T
7 Teller Cash Position Inquiry HTCPIAE HTCPIAE T
8 Teller-wise Cash Position Inquiry HTCPIAC HTCPIAC T
 Vault Transaction – Brief Menu Operations

Cash Advance From HTM  Function Code – Add → Transaction Type / Subtype: C/CT →Record – 1 screen will
Treasurer appear→ Dr A/c – PA Cash A/c (Teller a/c) → Dr Amount – Amount of cash
advance → Click on Add → Record – 2 screen will appear → Cr A/c – Vault A/c →
(Debit Teller A/c Cr Amount (Or click on Contra Amount Button) → Post to Verify. Note Tran ID.
Credit Vault A/c)  Supervisor to Verify – Menu – HTM ; Function Code – Verify
Cash Submit To HTM  Function Code – Add → Transaction Type / Subtype: C/CT → Record – 1 screen
Treasurer will appear → Dr A/c – Vault A/c → Dr Amount – Amount of cash submitted →
(Debit Vault A/c Click on Add → Record – 2 screen will appear → Cr A/c – PA Cash A/c → Cr
Credit Teller A/c) Amount (Or click on Contra Amount Button) → Post to Verify. Note Tran ID.
 Supervisor to Verify – Menu – HTM ; Function Code – Verify
Besides above, physical cash receipt & payment with Treasurer has to be performed.
Note: Transaction in HTM during HSCOD results failure of HSCOLD. Do not perform any transaction
during execution of HSCOD.
 Works that can be initiated by Supervisor / System Administrator / Postmaster

Works that can be initiated by Supervisor, needs to be verified by another Supervisor or Postmaster.
Works to be initiated by Supervisor 11 SCSS - Death claim closure
1 Cheque – Inward & Outward zone open & close 12 SCSS - Pre-mature closure
2 CC – KVP/NSC Reprint 13 SCSS - Transfer out to Non-CBS PO
3 Common – Change of name in A/c 14 SCSS - Zeroing of interest for Transfer out
4 EOD – End of day process 15 MIS - Pre-mature closure within 01 year
5 Inventory – Receipt & Supply to Counter & SO Works to be initiated by Postmaster
6 PPF - Transfer-in from Bank processing 1 CC – Duplicate certificate printing
7 PPF - Transfer-out to Bank or a non-CBS PO 2 PPF - Zeroing of PPF interest for transfer out
8 PPF - Pre-mature & Death claim closure Works to be initiated by System Admin.
9 RD - Premature Closure within 3 years 1 Uploading of Salary & Pension
10 SCSS – Change interest to SB Rate on Death claim 2 Reset user login (CSAC-already logged in;
closure. CRESET-locked & disabled)
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 Reports (Inquire - View / Print) - List of Finacle Reports
(a) Command / Menu: Reports - Inquire -View / Print) (Menu are same for Operator & Supervisor)
Work Item / Purpose Menu Work Item / Purpose Menu
Day to day Transaction Report Customer Inquiries and Reports
1 Invoke Report options HFINRPT 1 Account Selection/Search customer HACS
2 How to print or view reports HPR 2 Account selection and Print HACSP
Office Accounts And Reports 3 Components of account balance HACCBAL
1 Inquire on transaction HIOT/TIPM 4 Account balance inquiry HACCBALI
2 Inquiry on GL transaction HIOGLT 5 Account Ledger inquiry HACLI
3 Office Account Ledger Inquiry HACLINQ 6 A/c below minimum balance HABMR
4 Office A/c. Ledgers Print HACLPOA 7 Account ledger print HACLPCA
Interest Inquiries And Reports 8 Account of customer HCUACC
1 Account Interest Inquiry HAITINQ 9 Customer Search HCRV
2 Customer Interest Inquiry HCUIR 10 Inquire Customer General Details HCUDET
3 Account Interest report HAINTRPT 11 Signature Verification HACI
4 Interest Details Inquiry HINTTI 12 View Signature and Photograph List VSPH
5 Inquiry on Interest HLINTI Other Inquiry And Reports
6 Interest Adjustment HIARM 1 Balancing report HBR
Charges Inquiry And Reports 2 Quick balancing report HQBR
1 Customer wise charges Inquiry HCCI 3 Print report HPR
2 Inquire Fee details IFD 4 Inter sol transaction report HISTR
3 Closed Charges For Silent A/c CCCSA 5 Inter sol audit report HISAR
4 General Fees HGCHRG 6 Exceptions Report HEXCPR
Clearing Inquiries And Reports 7 Report Generation HFINRPT
1 Print inward clearing statement HPICSL 8 General Report HGR1
2 Inward clearing validation report HMICZ 9 Day Book printing HPDB
3 Clearing rejection report HREJREP 10 Generate Stop Payment Register HSPRG
4 Inward Remittance Details Report HINWREMI 11 Shroff / Teller Cash Report HSCWRPT
5 Outward Remittance Report HOUTREMI 12 Accounts Transfer Report CATREP
6 Outward Clearing CQ Inquiry HOIQ 13 Monthly/Yearly Statistical report HMR
7 Transfer File to PC HTRFTOPC 14 Scheme Balances CSCB
Loan A/c Inquiry And Reports 15 Nomination Statistical Reports CNSR
1 Loan accounts of customer report HCULA 16 Memo pad Maintenance HMEMOPAD
2 Loan General Details HLNGI Deposits inquiry And Reports
3 Ledger Inquiry HLACLI 1 Account details HACDET
Cheque Books And Reports 2 General details HGDET
1 Cheques book issue inquiry HCHBI 3 Renewed account inquiry HRELACI-
2 Inventory Split and Inquiry HISAI 4 Pending installment List (RD) HPLIST
3 Inventory Inquiry All HIIA 5 Customer accounts maturities HCUMAT
4 Inquire on Inventory Movement HIMI 6 Term Deposit of the customer HCUTD
5 Inquiring on the inventory HISI 7 Deposit Transactions Summary HDTRS
Transactions Inquiry and Reports 8 Term Deposit Renewal History HRENHIST
1 Financial Transaction Inquiry HFTI 9 Tax Report Options HTDSIP
2 Financial Transaction Report HFTR 10 Customer Wise TDS Report HTDSREP
3 Teller cash position Inquiry HTCPIAE
4 Teller cash position Inquiry-Cash HTCPIAC
5 Outward cheques Inquiry HOCI
6 Balance Inquiry HABI
7 A/c. Shadow Balance Inquiry HACSBIO
8 Transactions Report CNSTRP
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Savings Account Inquiry And Reports
Work Item / Purpose Menu Work Item / Purpose Menu
1 Accounts transfer Report CATREP 8 Report of SB WDLs above Rs.10000 CWDREP
2 Cheques Report Generation CCHQREP 9 A/c. Balance Details HACDET
3 Minor to Major Report CMITMA 10 Old Accounts Details Look Up CNAC
4 Dormant A/c revived Report CRVACC 11 Inquire on General Details of A/c HACCDET
5 Silent account Report CSIREP 12 Account freeze/Unfreeze HAFSM
6 Freeze and Unfreeze Report CAFUREP 13 Inquire on standing instructions HSSII
7 Welcome Kit Account Report CWAREP 14 Standing Instructions Reports HSIREPTS
 View / Print day to day Transactions Reports

Invoke Report HFINRPT  At present there are 32 reports. Click on desired one to generate the
options report. After a few minutes invoke HPR to see / print the report.
How to print HPR  Click on Go → Click on Go → Select report by checking the box → Click
or view reports on Print in case report is to printing → Click on Print Screen for viewing
the document → Click on Print in case report is to printing
All the required reports like LOT, Auto transfer, SI, Inter SOL transactions has to be taken daily. One of the
important one is “Report of Postmaster’s Cheque A/c”. Supervisor has to ensure that the balance in this a/c is
0(zero) before Day End (It means all the drawn cheques are given to the depositor(s)). If not, see & note how
many cheques are yet to be received from HO.
HFINRPT & HPR can generate report for current date when executed in Production Server - Fincore.
Besides above reports, there is another MIS Server (URL given below) from which a number of reports including
day to day counter reports from DAY-2 onwards can be generated using HFINRPT & HPR.
MIS Server URL: https://dpdcpflmis.fsi.indiapost.gov.in:1443/finbranch/ui/SSOLogin.jsp
The following List of Reports can be generated in Finacle – Production & MIS Server : HFINRPT -> HPR
(A) List of Report for Today in Finacle: HFINRPT -> HPR from Production Server.
Report Type / Name Type of Report generates
1. APY Auto Credit Report
2. APY Report
3. Administrative Office Report for Social Security Schemes
4. Agents_Agent - RD Old-New Account Mapping Report New A/c No. for old A/c No. Agent wise
5. Agents_Agent Commission Consolidated Report Scheme code wise consolidated agent commission & TDS
6. Agents_Agent Commission Report Agent wise commission & TDS
7. Agents_Agent Commission Transaction Details Report Agent wise commission in details
8. Agents_Agent List wise Consolidation Report E-reference wise RD agent commission
9. Auto-renewal Batch Job Report for PMSBY and PMJJBY
10. CIF RISK CATEGORY STATUS REPORT
11. CIF_Document Status Report Lists CIF/AOF/CR to be sent to CPC
12. CIF_KYC Status Report Lists CIF-KYC submitted / rejected / accepted at CPC.
13. CUUTR Monthly Report for Social Security Schemes
14. Channel Consolidated Journal Report Consolidation of ATM & e-banking transactions.
15. Channel Counterwise Report SOL wise ATM & e-banking transactions
Report Type / Name Type of Report generates

16. Common_Counter Wise Transactions Report - Discontinued Scheme Teller wise LOT of discontinued schemes (Max. 5days)
17. Common_Counter Wise Transactions Report - Inter Branch Teller wise LOT of Inter SOL transactions
18. Common_Counter Wise Transactions Report - MIS (Today) Teller wise MIS LOT
19. Common_Counter Wise Transactions Report - PPF (Today) Teller wise PPF LOT
20. Common_Counter Wise Transactions Report - RD (Today) Teller wise RD LOT
21. Common_Counter Wise Transactions Report - SCSS (Today) Teller wise SCSS LOT
22. Common_Counter Wise Transactions Report - Savings (Today) Teller wise Savings A/cs LOT
23. Common_Counter Wise Transactions Report - TD (Today) Teller wise TD LOT
Report for current & previous day as per selection can be generated for Sl. No.24 to 34
24. Common_SB Automatic Transfer List Report Lists MIS/SCSS auto transfer to SB
25. Common_Standing Instructions - SB to RD Accounts Report Lists SB to RD installment transfer
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26. Common_User Login Report Lists User login / logout information
27. Common_User Profile and Login Access Report Lists User Profile and Access Report
28. Consolidated MIS Account Journal of Deposits and Withdrawals Lists consolidated figure of MIS
29. Consolidated PPF Account Journal of Deposits and Withdrawals Lists consolidated figure of PPF
30. Consolidated RD Account Journal of Deposits and Withdrawals Lists consolidated figure of RD
31. Consolidated Report On Certificates Discharged (KVP/NSC) Lists consolidated Discharged figure of KVP/NSC
32. Consolidated SCSS Account Journal of Deposits and Withdrawals-SCSS Lists consolidated figure of SCSS
Consolidated Savings Account Journal of Deposits and Withdrawals-
33. Lists consolidated figure of SB
Savings
34. Consolidated TD Account Journal of Deposits and Withdrawals Lists consolidated figure of TD
35. Counterwise Report for ECS SOL wise Daily ECS list
36. DFS Report for APY,PMJJBY and PMSBY
37. ECS_ECS Remmitance Report LOT of withdrawals in ECS
38. EOD Blocking Validation Report Lists consolidated unverified transactions
Lists Salary / Pension / NREGS successful upload report
39. HTTUM - Transfer Transaction Upload List Report
(Requires Trans. ID)
Teller wise & all denomination of KVP/NSC Discharge
40. KVP/NSC_Daily Discharge Certificates Report
list
41. KVP/NSC_Daily Issued Certificates Report Teller wise & all denomination of KVP/NSC Issue list
42. KVP/NSC_Discharge Journal Lists all KVP/NSC Discharged
43. KYC Status Report
44. Loan_PPF Loan Disbursed Teller wise PPF Loan Disbursed LOT
45. NSC accounts where NC4A is Issued Lists NC4A A/cs (Issued / Pending)
46. NSC_Issue Journal Lists all KVP/NSC issued
47. NSS_List of Transactions LOT of NSS A/cs
48. Office Accounts Transaction Report LOT for Office Accounts (Max. 05days)
49. PPF_Acc Transfer From DoP To Bank Lists PPF A/c transferred from PO To Bank
50. Post Office Clearing Detail Report Inward/Outward Cheque clearing report
51. Post Office Report for Social Security Schemes
52. Post Office TDS of SCSS/NSS87 Detail Report Lists TDS recovery in SCSS/NSS87 A/cs
53. Savings_Welcome kit Accounts Letter SB A/c opening welcome letter
54. Statistical Report for Social Security Schemes
Note: Consolidation includes Counter transactions + Auto-transfer + Inter SOL transfer + HTTUM transfer/upload
+ MPKBY list figure depending upon the scheme.
(B) List of Reports for Day-2 onwards in Finacle – MIS Server: HFINRPT -> HPR
(URL: https://dpdcpflmis.fsi.indiapost.gov.in:1443/finbranch/ui/SSOLogin.jsp)
Report Type / Name Prod.SRV Type of Report generates
RPT No.
1. APY Auto Credit Report 1
2. APY Report 2
3. Administrative Office Report for Social Security Schemes 3
4. Auto-renewal Batch Job Report for PMSBY and PMJJBY 9
5. CUUTR Monthly Report for Social Security Schemes 13
6. Common_Account Statistics Report Extra Lists statistics of all schemes for a range of date
7. Common_Account Statistics Transfer In/Out Extra Lists Transfer In/Out for a given range of date
for scheme code/type wise
8. Common_Bill Payment Transaction Extra
9. Common_Counter Wise Transactions Report - MIS (Previous Day) 18 Teller wise MIS LOT
10. Common_Counter Wise Transactions Report - PPF (Previous Day) 19 Teller wise PPF LOT
11. Common_Counter Wise Transactions Report - RD (Previous Day) 20 Teller wise RD LOT
12. Common_Counter Wise Transactions Report - SCSS (PreviousDay) 21 Teller wise SCSS LOT
13. Common_Counter Wise Transactions Report-Savings (PreviousDay) 22 Teller wise Savings A/cs LOT
14. Common_Counter Wise Transactions Report - TD (Previous Day) 23 Teller wise TD LOT
15. Common_Net Accretion Report Extra Lists Net Accretion Report for a given range of
date for scheme code/type wise
16. Common_No Of Live Accounts Extra Lists live A/c for a given range of date ( 31
days) for scheme code/type wise
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17. Common_No Of Transactions Extra Lists No. of transactions for a given range of
date for scheme code/type wise
18. Common_Nominee Amendment Audit Report Extra
19. Common_Outstanding Balances Of Small Savings Collections- Extra
Annexure - IV (I)
20. Common_Outstanding Balances Of Small Savings Collections- Extra
Annexure - IV (II)
21. Common_Settled/Unsettled Claims Extra
Common_Statistical Register of Deposits/Withdrawal Removed
22. Common_Statistical Statement Report Extra
23. DFS Report for APY,PMJJBY and PMSBY 36
24. GL_Monthly Product Wise Balances Report Extra
25. GL_Monthly Product Wise Interest Balances Report Extra
26. GL_Monthly Report For New Accounts Extra
27. GL_Monthly Report For Silent Accounts Extra
28. GL_Monthly Statistical Report of Nominations Extra
29. GL_Monthly Statistical report of Deposits /Withdrawals Extra
30. GL_Yearly Product Wise Balances Report Extra
31. GL_Yearly Product Wise Interest Balances Report Extra
32. GL_Yearly Statistical Report of Nominations Extra
33. GL_Yearly Statistical report of deposits /Withdrawals Extra
34. KVP/NSC_Duplicate Certificates Extra
35. KVP/NSC_Forfeited Certificates Extra
36. KVP/NSC_Released After Pledged Certificates Extra
37. KVP/NSC_Statistical report for number of certificates Issued 41 Single list of KVP/NSC Issue for all Tellers
38. KVP/NSC_Statistical report for number of certificates discharged 40 Single list of KVP/NSC Discharge for all Tellers
39. KVP/NSC_Transferred Certificates Extra
40. KVP_Pledged Certificates Extra
41. List of active SB accounts with balance above Rs.10000/- Extra
42. Overdue Mature TD Accounts Extra
43. PPF_Acc Transfer From Bank To Dop Extra
44. PPF_PPF Download Details Extra
45. Passbook Report Extra
46. Post Office Report for Social Security Schemes 51
47. RD_Discontinued Accounts Extra
48. RD_Pre Mature Closure Accounts Extra
49. RD_Report For Claim Settled Accounts Under RD-Protected Extra
Scheme
50. RD_Report For Extended Accounts Extra
51. RD_Report For Loan Accounts Having Rd-Deposit Extra
52. Report of Silent SB Accounts Extra
53. Savings_Account Freeze Report Extra
54. Savings_Accounts Transfer Report Extra
55. Savings_Cheque Book Request Details Report Extra
56. Savings_Minor to Major Report Extra
57. Savings_Report of Withdrawals Exceeding Limit Extra
58. Savings_Sanction Claim Details Report Extra
59. Savings_Silent Account Closure Details Report Extra
60. Savings_Silent Account Count Extra
61. Savings_Silent Accounts Revived Extra
62. Savings_Welcome kit Accounts Report 53
63. Statistical Report for Social Security Schemes 54
64. TD_Closure Reason Code Extra
65. TD_Mode Of Operation (Single/Joint) Report Extra
66. TD_Transation Reported By Auditor Extra
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 ATM Operation – (Ref. Operational Hand Book on ATM version 1.1 for details)
(a) Command / Menu: ATM
Cash loading in ATM HXFER  Used to transfer cash from Po to ATM.
 Function – A-Add → Trans. Type / sub type: T/BI-Bank Induced → Debit
A/c (SOLID+0006) → credit 560001000007 (i.e Bangalore GPO Bank
Account). Supervisor to Verify.
Inquire ledger balance HACLI  To ensure min. balance before issue of ATM Card.
ATM Card issue etc. (All SOLs) CCMM  The criteria page and details page of the menu is to be filled by Counter
PA. Supervisor to verify. Details are given below.
Download files by giving CCDM  CPC Bangalore will download all files by giving parameter as date and in
parameter (for Bangalore the field of SOL ID as “all”. The downloaded files will be processed
GPO) automatically by CAMS (Card Access Management System) and details
of how to check the errors will be explained in the CAMS (Card Access
Management System) User Manuals.
From Date Min. Balance Min. & Max. Max. Max. No. of Welcome Remarks
in PB for issue withdrawal withdraw Kits to be retained in
of ATM Card at a time al per day a post office
12.03.2015 5000 100 / 10000 25000 550
22.06.2015 500 -DO- -DO- 1000 Dte L/No.25-3/2014-FS-CBS
(Part-1) Dtd.22.06.2015
07.10.2015 50 Dte L/No.25-3/2014-FS-CBS
(Part-1) Dtd.07.10.2015
(b) ATM Card issue criteria

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

(1) Cash Withdrawal, (2) Fast Cash, (3) Balance Inquiry, (4) Mini Statement
(5) Funds Transfer (Funds Transfer within OWN Savings Accounts of POSB)
(6) Funds Transfer (Funds Transfer to other Savings Accounts of POSB)
(7) Pin Change
(8) Maximum amount that can be withdrawn from ATMs in a single day will be Rs.25000/- and at a time,
Rs,10,000/-.
(d) ATM Card & PIN Generation: It will be generated by the vendor at DMCC Chennai, & the same will be
sent to respective Post Offices by CPC Bangalore for supplying to customer. Post Office to maintain stock.
(e) Cash loading:
(1) ATM fit currency notes can be handed over to the representative of AGS for loading into ATM.
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(2) During cash loading, one representative of the Post Office should be physically present and ensure that all
the cash handed over is loaded into ATM.
(3) AGS representative will hand over a slip printed by the machine showing cash in ATM to the
representative of the post office who will keep that in a guard file in token of having handed over cash for
ATM.
(4) On the day of cash loading, Finacle User Champion of that HO will perform Debit/Credit entry in Finacle
using HXFER. Debit SOLID0006 and credit 560001000007 i.e Bangalore GPO Bank Account. Transaction
type / sub type – T & BI (Bank Induced).
(5) Supervisor to verify the transaction – Menu HXFER.
(f) Cash Accounting
(1) ATM Cash Account is specific to each Post Office with number as SOL ID suffixed by 0006.
(2) A remittance advice (RA) of the cash loaded should be sent to Bangalore GPO by Head Post Offices
(except Bangalore GPO) as and when cash is handed over to AGS (Vendor) showing as Cash remitted to
Bangalore GPO.
(3) SB Deposit/Withdrawal in ATM will be derived by Bangalore GPO and will be entered in the Bangalore
GPO Cash Book.
(g) CCMM Menu operation / functions:
(1) Add – This option will be used when Account Holder requests for an ATM/Debit Card.
i. Criteria Screen - Select A (Add) & Search (or Type) the CIF Number → Go
ii. Details Screen - Give Account Number for which the card is to be issued → Select Primary Account
Flag = Yes (The card will have only one primary account) → The choice of card can either be
personalized or instant (Personalized cards will bear the Name of the holder & Instant Cards will not
bear the name of the holder) →Select Card Type = P for Personalized Cards (if customer requests for
a personalized card) or Select Card Type = I for Instant Cards & provide the Instant Card KIT Number
(if the customer requests an instant card) →Select “New Card Request” → Submit.
Note:
1. Personalized Cards: If customer has multiple Saving Accounts & wants to link to same card with all or
selective accounts, Post Office should create a request for the Primary Card first. When the customer
visits the Post Office for collecting the card , Use CCMM(Modify Option) & place a request for
activation. Use CCMM (Modify Option) & link other account to the card.
2. Instant Cards: If customer has multiple Saving Accounts & wants to link to the same card, Post Office
should create a request for the Primary Card first. Ask the customer to place a request for linking on
the subsequent visit , Use CCMM(Modify Option) & link other account to card.
(2) Modify – is used when Account Holder requests for Linking, Delinking, Activation, Replacement and
Hotlisting of Cards. Select M (Modify) & Search (or Type) the CIF Number or Card Number or Both CIF
Number & Card Number →Go. The details of the cards for the CIF Number or Card Number or
combination of Card Number and CIF Number will be displayed.
i. Linking – is used when the Account Holder requests for linking additional Saving Accounts with the
card. Details Screen – Press A (Add) →Select the Account Number which is required to be linked →
Select the “Primary Account Flag” as N → Select Action = LNK (Linking) to link subsequent A/c to the
same ATM Card → Submit.
ii. Delinking – is used when the Account Holder requests for de-linking Saving Accounts with the card.
Details Screen – Select Action = DLN (De Linking) →Submit.
iii. Activation – is used when the Account Holder comes to the post office to collect the card and
applicable to Personalized Cards only. Instant Cards will be pre-activated but can be used on the next
day. Customer should be informed that Card can be used from the next day of issue.
Details Screen – Select Action = ACT (Activation) → Submit.
iv. Hot Listing – is used when the Account Holder requests for hot listing of the card in event of
a. Card is Lost: Details Screen – Select Action = “Hot Listing” → Submit
b. Card is Damaged: Details Screen – Select Action = “Hot Listing Damaged” → Submit
c. Card is Stolen: Details Screen – Select Action =”Hot Listing Stolen” → Submit
d. Replace: Details Screen – Select Action = “Hot Listing and Replacing Card → Submit
v. Replacement – is used when the Account Holder requests for replacement of the card
Details Screen – Select Action = Replacement → Submit
vi. ATM Pin Request – is used when the Account Holder requests for subsequent Pin.
Details Screen – Select Action = “ATM Pin Request” → Submit.
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(3) Verify – is used to verify the A (Add) or M (Modify) option. The Hot listing of cards in CMS (Card
Management System) will be done during the verification in CBS (Finacle) by Supervisor. Subsequent
to Verification, other processing will be done by Bangalore CPC during the End of Day.
(4) Cancel – is used to cancel the A (Add) or M (Modify) Operation conducted by the PA before
verification in case of any mistake.
(5) Inquire – is used to inquire the details in CMS (Card Management System). Either CIF Number or Card
Number or Both CIF Number and Card Number can be provided as an input on the criteria page and
details will be listed in the “Details Screen”.
(6) History – is used to inquire the request in CBS (Finacle). The enquiry will display the date on which
the account holder has requested for the maintenance.
(7) Every activity initiated by Counter PA has to be verified by the Supervisor.
Sample ATM Cards & ATM Pins stock & delivery Register
Instant Cards Personalised Cards

1 Sl. No. Sl. No.
2 Date of ATM Card & PIN Receipt Date of ATM PIN Receipt
3 ATM Card No. ATM Card No.
4 PIN reference No. PIN reference No.
5 Issued to CIF No. Issued to CIF No.
6 Issued to SB A/c No. Issued to SB A/c No.
7 Name of SB A/c Holder Name of SB A/c Holder
8 Date of issue to A/c Holder Date of issue to A/c Holder
9 Signature of receiver (same as SS) Signature of receiver (same as SS)
10 Remarks if any Remarks if any
 Branch Office (BO) Transactions at Account Office for SB, SSA , RD and TD) – (for Menus see
respective scheme)
Important Tips on Branch Office (BO) Transactions:-
1. It is always better to have next day accounting system for BO Transactions.
2. Repayment A/c for A/c closure is Office A/c 0340 (PM’s cheque a/c – auto populated). After closure use
CXFER to transfer the close amount from 0340 to 0339 (BO settlement a/c). It is effected from 21.01.2016.
3. The procedure for New A/c opening, normal closure of A/c, death claim closure of A/c, A/c transfer at Branch
Offices (BO) is almost same as of HO/SO.
4. In menu operation / transaction, to select Branch Office Name → Click on searcher of Branch Office field →
BO names with BO code appears (Select the desired BO). The BO names with BO code may be kept handy to
avoid using searcher.
5. Value date should be transaction date at Branch Office.
6. For any Deposit in BO A/c always select “Transfer” for - DEBIT Branch Settlement Account (SOLID0339) &
Credit concerned SB / RD / SSA/ TD A/c.
7. For any Withdrawal & Closure in BO A/c always select “Transfer” for - Credit Branch Settlement Account
(SOLID0339) & Debit concerned SB / RD / SSA/ TD A/c.
8. For TDA category (RD, TD), it is better to select “Transaction Creation During: A/c Verification”. The funding
will happen on account verification. The financial risk factor will be less.
9. Like HO / SO each and every transaction needs to be verified by Supervisor. (Even if it is not given in menu
operation – “Supervisor to Verify”, the transaction has to be verified by Supervisor).
10. Transaction appears in LOT and consolidation only after verification by Supervisor.
11. Transactions for A/c tagged/mapped/linked to BO in Finacle will not affect Teller A/c. But BO A/cs which are
not tagged/mapped/linked to BO in Finacle may affect Teller A/c. Vault transaction to be done accordingly.
12. BO A/cs which are not tagged/mapped/linked to BO in Finacle need to be modified and
tagged/mapped/linked to concerned BO.
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Frequently used Command / Menu for Branch Office (BO) Transactions
CIF Menu Type
2 Existing CIF Modification CMRC CMRC V
Savings A/cs
3 Deposit & Withdrawal in Savings A/c CXFER CXFER V
4 Closure of Savings A/c HCAAC HCAAC V
Recurring Deposit (RD)
1 New RD A/c opening CRDOAAC CRDOAACV V
2 Existing RD A/c Modification CRDACM CRDACM V
3 Deposit in RD A/c CRDP CRDP V
4 Closure of RD A/c CRDCAAC CRDCAAC V
Time Deposit (TD)
1 New TD A/c opening CMISAOP CMISAOPV V
2 View Interest Flow in TD A/c HTDTRAN HTDTRAN / T
/ HIOT HIOT
3 Interest Payment in TD A/c HTM HTM V
4 Closure of TD A/c
Sukanya Samriddhi Accounts (SSA)
1 New SSA A/c opening CPPFAO CPPFAV V
2 Funding (Deposit) in SSA A/c CXFER CXFER V
Pradhan Mantri Yojana
1 Signature Verification IES IES T
2 Data entry & verification CPMY CPMY V
 SB A/c – Brief M enu Operations for BO Transactions

1 Opening a new SB A/c Menu: CASBAO / QDESA
 Function – O-Open → Give CIF → Scheme Code – Select from searcher → Click on Go →Mode of Operation -
Select from Searcher → No. of Docs – Give the number of documents taken from the customer and
accordingly give the document details. → Doc Code – Select from searcher → Doc Date – Give the date on
the document → Submit for Verification. Note the A/c No.
 To select Branch Office Name → Click on searcher of Branch Office field → BO names with BO code appears
(Select the desired BO). Value date should be transaction date at Branch Office.
 Supervisor to verify – Menu – CASBAV / QDESAVF ; Function – Verify
2 Verification of SB a/c opening Menu: CASBAV/QDESAVF
 Function – V - Verify → Temporary A/c ID – Give the newly opened a/c No. → Click on Go → Click on Submit.
3 Deposit in SB Account Menu: CXFER
By Transfer: Function – Add → Transaction type/sub-type – T/BI-Bank Induced → Go → Dr A/c ID (DEBIT
Branch Settlement Account (SOLID0339)) → Cr A/c ID (Customer SB A/c) → Give Amount → Value date –
Give BO Transaction date → Enter the BO Name in the “Remarks” field → Mode of Transaction – Transfer
Slip → Click on Post. Note Trans ID.
 Supervisor to Verify – Menu – CXFER ; Function V– Verify
4 Withdrawal in SB Account Menu: CXFER
By Transfer: Function – Add → Transaction Type / Subtype – T/BI-Bank Induced → Go → Dr A/c ID
(Customer SB A/c) → Cr A/c ID (Credit Branch Settlement Account (SOLID0339)) → Give Amount → Value
date – Give BO Transaction date → Enter the BO Name in the “Remarks” field → Mode of Transaction –
select Transfer Slip → Click on Post. Note the Tran ID.
 Supervisor to Verify – Menu – CXFER ; Function V– Verify
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5 Closing of SB Account Menu: HCAAC / CLOSE
 When SB7A along with Passbook is received from BO, Invoke the menu HACACCR → In “Report To” enter
‘PM’ → select “INR” in CCY field → Enter the BO SB A/c No. in the “From A/c ID” & in “To A/c ID” → Submit.
 A message “Batch program successfully lodged “ is displayed
 A report “Accrual Interest report” is available in the queue. Go to HPR and select the report → Click on the
Print screen for viewing the “Interest accrual report” → The total amount accrued as interest till date is
displayed at the end of the report.
 Interest amount should be added to the balance (Use HACLI to know balance) in the account and noted On
WARRANT OF PAYMENT of SB7A. This should be sent to Branch Office for closure of SB account with
direction that this is valid up to ……….. day of the month (specify the date keeping transit in view). Closure
Value date is not available for Savings A/c to give BO date. SO date is taken as closure date.
 Other procedure for sending sanction to BO should be followed.
 On receipt of SB7A from BO after closure, invoke the menu HCAAC for account closure.
 Click on searcher of Branch Office field → List of BOs with BO code appears (Select the desired BO). Value
date should be transaction date at Branch Office.
 Function –Z- Close → A/c ID (Enter BO SB A/c to be closed) →Balance – (Check Transfer Box) →Transaction
Type –Transfer →Transfer A/c ID (PM’s Cheque A/c or BO Settlement A/c as the case may be) →Click on Go
→ (Balance amount is displayed in the A/c Information tab) → Click on Closure Tab → Submit → Total
amount with interest is displayed. Note Transaction ID.
 BO SB account will be closed and amount adjusted in BRANCH SETTLEMENT ACCOUNT.
 Supervisor to verify Menu- HCAAC. After verification, transaction will appear in LOT and consolidation.
 Sukanya Samriddhi Accounts (SSA)– Brief Menu Operations – For BO Transactions

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

1 Open RD A/c Menu: CRDOAAC
 Function – Open →CIF ID →Scheme Code – RDIPN →Click on Go → Mode of Operation - Select from
Searcher → Monthly Installment – Give RD Installment Amount → Transaction Required – Yes →
Transaction creation during – Account opening / verification → Transaction type (select Transfer) → Give
Debit A/c as - Branch Settlement Account (SOLID0339) → No. of Installments →Documents Recd- Yes
→No. of Documents Recd – Give no. of documents → Doc Code – Select from Searcher →Click on Flow ID
Tab → Click on Submit for verification. Note RD A/c ID and Tran ID
 To select Branch Office Name → Click on searcher of Branch Office field → BO names with BO code
appears (Select the desired BO). Value date should be transaction date at Branch Office.
2 Verify RD A/c Opening Menu: CRDOAACV
Function – Verify →A/c ID →Click on Go → Click on Submit
3 RD A/c Transaction Posting – Deposit – Monthly Installment Menu: CRDP
 Function: Add →Transaction Type – T/BI-Transfer Bank Induced → Go →RD A/c No. – click on outside –
Installment Amount will be auto-fetched → Total Amount – Give deposit + Default (If more amount is put
it will automatically pick no. of installments) – No. of installments, Rebate & Default fee will be auto-
fetched → Value Date - Enter BO date → Mode of Payment–Transfer → A/c ID – Branch Settlement A/c
(SOLID0339) → Transfer Amount – enter same amount as entered in Total Amount → Submit. (If Total
Amount & Transfer Amount differs, error comes “Transaction not balanced”) Note Tran ID.
 Verification: Menu – CRDP →Function – Post →Tran ID →Go → Submit.
4 Close RD A/c Menu: CRDCAAC
 Trial Closure: Function – L – Trial Close →A/c ID →Go → Close Mode – Cash / Transfer →Click on Check
Box Close → Close Reason – Select from the searcher → Accept → Submit. View/Print Report by HPR.
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 Enter closing amount in SB7A and after following laid down process of sanction of BO withdrawal/closure.
Passbook and SB7A should be sent to BO with the direction that sanction is valid only up to …… day of the
month (day of the month on which the A/c is opened). If customer does not attend BO up to that date, a
fresh sanction is to be obtained by BO for which fresh Trail closure should be invoked.
 Final Closure: Function – Z – Close →A/c ID → BO date in the Value Date column → Go →Click on Check
Box Close → Closure details will be displayed → Close Reason – Select from searcher → Accept →
repayment mode as “Transfer” → Enter (PM’s Cheque A/c or BO Settlement A/c as the case may be -
SOLID+0340 or SOLID+0339) → Submit. Note the Tran ID. Supervisor to Verify – Menu -
CRDCAAC/RDACLM; Function – V – Verify. Note the Tran ID
 RD Loan / Half Withdrawal - Brief Menu Operations – For BO Transactions

Sequence of RD Loan / Half Withdrawal sanction & payment for the RD A/c stands at BO
1. On receipt of SB-7, verify SB-7 as well as eligibility criteria (same as of HO/SO) manually and ensure that the
A/c is eligible for loan.
2. Check manually that the loan amount applied in correct. Also check the amount in system using HACLI.
3. Verify the signature in the system.
4. Open RD Loan A/c and verify loan A/c opening.
5. Enter sanctioned loan amount in SB-7 after following laid down process of sanction of BO withdrawal.
Passbook and SB-7 should be sent to BO with the direction that sanction is valid only up to ------ days. If
customer does not attend BO up to that date, a fresh sanction is to be obtained by BO.
6. On receipt of paid SB-7, perform RD Loan disbursement.
1 Open RD Loan A/c Menu: CAOLARD
 Select the desired BO. Others are same as HO / SO.
2 Verify RD Loan A/c Opening Menu: CAOVLARD Same as HO / SO
3 RD Loan disbursement Menu: LARDD
 Select the desired BO. Value date should be 1 of the month.
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 Function – Disbursement →Loan A/c ID → Mode of Disbursement –Transfer → Credit A/c ID – Enter Branch
Settlement Account (SOLID0339 →Amount →Change Value Date → Submit for Verification. Supervisor To
Verify – Menu– LARDD; Function – V – Verify
 Note: Check HACCBAL to show the system lien marked on RD A/c. Balance in RD a/c will not get reduced.
4 RD Loan Repayment Menu: HLAUPAY/HPAYOFF
 HLAUPAY is for unscheduled payment (refund). HPAYOFF is for regular & final payment (refund). Same as
HO/SO except. Mode of Payment – Transfer → A/c ID – Branch Settlement Account (SOLID0339).
5 RD Loan A/c closure Menu: CAACLA
 Same as HO/SO except Mode of Payment – Transfer → A/c ID – Branch Settlement Account (SOLID0339).
 TDA -Term Deposit Accounts: (TD/ MIS) – Brief Menu Operations – For BO Transactions
1 Open Term Deposit A/c (TDA) – TD Menu: CMISAOP / MISAO
 Same as HO/SO TD new A/c open & BO RD new A/c open with following exception.
 To select Branch Office Name → Click on searcher of Branch Office field → BO names with BO code appears
(Select the desired BO). Value date should be transaction date at Branch Office. Transaction type (select
Transfer) → Give Debit A/c as - Branch Settlement Account (SOLID0339). Supervisor to verify.
2 Verify Term Deposit (TD) A/c Opening Menu: CMISAOPV / MISAVF
 Function –V-Verify → A/c ID → Go → Submit
3 Payment of 1/2/3/5 Years TD Interest by Cash from Sundry Menu: HTDTRAN or HIOT or HTM or HACLINQ
On receipt of SB-7 from BO for sanction of interest, PA at Account Office needs to perform the following.
Sending Sanction to BO
 Invoke HTDTRAN or HIOT or HTM & check interest accrued for the said TD account and note if required. If not,
enquire TD Sundry A/c (0335) using HACLINQ.
 Enter SOL ID → Select the scheme type as None →Enter TD Sundry A/c No. (SOL ID+0335) → Enter period of TD
interest (Start date and end date) →Enter TD account number in the Ref No. field → Submit.
 Accrued TD interest is displayed. (The interest accrued can be viewed in the HPR report).
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 The interest accrued should be written in the Payment Warrant (SB-7) and after signature of Supervisor, send
to BO concerned after following the laid down procedure for sending sanction to BO.
Entry of paid information on receipt of TD SB-7 after payment from BO.
 Counter PA to invoke HTM. Click on Branch Office Code → List of BOs with BO code appears (Select the desired
BO). Value date should be transaction date at Branch Office.
 Function : A-Add → Transaction type: T/CI-Customer Induced → Go → Next screen comes → Part Transaction
Type - Debit → A/c ID - enter TD SUNDRY A/c No.(SOL ID+0335) → Amount - Enter amount of TD interest paid
→ Ref. No. - Enter BO TD A/c No. → Restore Values: A–Additional Part Tran Details → Click on Go → Next
screen comes – Transaction Maintenance Minor Subsidiary details → Start Amt. & End Amt. – Delete both →
Ref. No. - Enter BO TD A/c No. → Go → Next screen comes → Click (Tick) on Check Box of the required row
which contains unpaid TD interest for the said BO TD account → Accept → (It backs to previous screen) → Click
on Add → Part Transaction Type - Click on Credit Radio Button → A/c ID - enter PM’s Cheque A/c or BO
Settlement A/c as the case may be – SOLID+0340 or SOLID+0339) →Post/Submit. Interest paid to BO TD
account in case of TD 1/2/3/5yrs is completed.
 Supervisor To Verify in HTM.
4 Close Term Deposit (TD) A/c Menu: HCAACTD / TDACTCL
On receipt of SB-7A from BO for sanction of closure, PA at Account Office (SO/HO) needs to perform the following.
A. Identifying unpaid TD interest Sending Sanction to BO
1. Invoke menu HTDTRAN or HIOT & check for unpaid interest for the said TD account and note if required.
2. Enter SOL ID → Select the scheme type as None →Enter TD Sundry A/c No. (SOL ID+0335) → Enter period of TD
interest (Start date and end date) →Enter TD account number in the Ref No. field → Submit.
3. Accrued TD interest is displayed. (The interest accrued can be viewed in the HPR report).
The interest accrued should be written in the Payment Warrant (SB-7) and after signature of Supervisor, send to
BO concerned after following the laid down procedure for sending sanction to BO.
B. Trial Closure & Sending Sanction to BO: Same as of HO/SO.
 Generate Report in HPR and view / print the report to know the amount.
 Total amount (A+B) to be paid along with unpaid interest should be mentioned on the SB-7A on the Warrant of
Payment Side with signatures of Supervisor. It should also be mentioned that sanction is valid only up to …… day
of the month (day of the month on which the A/c is opened). If customer does not come for closure up to that
day, fresh sanction should be obtained. All other provisions mentioned in the rules should be followed.
C. Final Closure on receipt of closed voucher from BO:
 Menu HCAACTD →Function Z – Close → Enter the BO closed TD A/c ID →BO Date in the Closure Value Date field
→ Click on SVS to verify the signature → Go - BO TD account details will be displayed. Check the amount of
principal → Click on Closure Details Tab → Close Mode – Select the R-Repayment A/c only option for BO
Accounts → Enter the PM’s Cheque A/c or BO Settlement A/c as the case may be – SOLID+0340 or SOLD ID+
0339 in the Repayment A/c ID field → Click on Closure Exceptions Tab → Enter the PM’s Cheque A/c or BO
Settlement A/c as the case may be – SOL ID+0340 or SOLID 0339 → Closure Reason - Select from the Searcher as
NORMAL → Closure details (principal, interest adjustment and actual Booked Interest) paid as maturity proceeds
to the BO TD account to be verified with the voucher → Submit. Note Tran ID. Now BO TD account is closed at
Account Office. Supervisor To Verify.
5 Verify closure of Term Deposit (TD) A/c Menu: HCAACVTD / TDACTCLV
 Function – V-Verify → A/c ID → Go →Click on Closure Details Tab. Click on Closure Exceptions Tab → Submit –
Note Tran ID.
Pradhan Mantri Yojana Same as HO/SO.
==================== xxxx BO Transactions is completed xxxx ====================
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 Interest Flow & PMI
1. Interest Flow: Normally interest calculation batch job runs at the EOD process. Interest calculation is
performed in the A/cs in which no verification is pending. In TDA category interest outflow occurs at the EOD
process (HSCOLD). In case of SCSS, Interest calculation batch job runs only once on the last day of every month for
SCVRS & SCDEF accounts. If any verification is kept pending on the day of interest batch run, then interest will not
get posted. It is always better that before running HSCOD, Supervisor should ensure that there is no verification is
kept pending (Use HAFI to know pending verification. Also Ref. Critical Verification-3 in the module “Transaction,
its ID and Verification”). Normally MIS/TD/SCSS interest flows to specify SB A/c. If no SB A/c is specified, then the
interest flows to Sundry A/c (MIS to SOLID+0337; TD to SOLID+0335; SCSS to SOLID+0338). Interest in other
schemes flows to the concerned a/c.
2. Post Maturity Interest (PMI): PMI is allowed for the complete month on date to date basis from the date
of maturity to date of payment and remaining part of the month is to be ignored. (e.g. One A/c matured on
st
27.02.2015 and another A/c matured on 03.03.2015. Both the A/cs closed on 10.04.2015. The 1 A/c will get PMI
nd
for 28 days – from 27.02.2015 to 27.03.2015 one month and the 2 A/c will get PMI for 31 days - from 03.03.2015
to 03.04.2015 one month). Here month means from date to date and number of days in a month is not uniform.
In case maturity value of RD Account is retained after 10 years, Post Maturity Interest shall be payable w.e.f
01.01.2012 (SB Order No.31/2011 & 32/2011 refers). Maximum limit of 2 years fixed for admissibility of Post
Maturity Interest has been removed w.e.from 01.01.2012 vide SB Order No.31/2011 & its corrigendum-III and SB
Order No. 32/2011. PMI should be calculated at the POSB rate of interest applicable on the date of maturity to
date of payment (POSB rate applicable during the Post Maturity period).
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3. Annual Interest: It gets calculated & posted on 1 April in NSS/PPF/SB/SSA. After migrating to Finacle
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normally 1 April is treated as non-banking day and no end user is allowed to log in to Finacle on 1 April till
completion of interest calculation & posting. Interest calculation is performed in the A/cs in which no verification
is pending.
 Submission of Documents / Information to CPC (From 1 April 2015) & its preservation
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A. Following documents to be preserved at Post Offices.

1. AOF, KYC Form (one copy) and KYC documents plus additional Form for SCSS & PPF A/c in A4 size Ring
Binder date-wise (For new / existing customer & which are returned from CPC). (SB Order No.6/2015
dated 09.06.2015 & process circulated in email dated 27.03.2015 & 25.05.2015).
2. Forms for KYC updation, or account transfer, ATM Debit Card, Internet or Mobile Banking, change in
nomination etc.
3. SB-10(b) or NC-32 and KYC documents should be preserved in the CBS Post Office (who performed the
transfer in) in A4 size Ring Guard File in respect of inter SOL transfer in (SB Order No.7/2015).
B. Documents to be sent to CPC on daily basis for scanning, uploading & acceptance.
1. One copy of “KYC Form” of new customer and Depositor’s Change Request (“KYC Form”) complete in
all respect with seal & signature of BPM/SPM/APM/DPM as the case may be. The documents must not
be folded and should be sent in A4 size cover by Registered Parcel.
(Authority: Director (CBS), Dept. of Posts email of March 28, 2015 at 1539hrs & Mar 30,2015 at 1455hrs)
C. Following information to be sent to CPC as and when required.
1. User creation, Role or SOL change (in prescribed template at least two days in advance).
2. Finacle Operational problem / error for solution or onward submission (solution if not done locally or
referring FAQ Dated 04.10.2014), the issue along with latest screenshot should be sent immediately and
last one by 1630hours of the day.
3. While sending data migration error, verify Sanchay Post from which live data migrated and CBS Key
generated during live data migration. If data exist in these two items, then problem may be reported to
CPC, else matter may be taken up with DTE through Division / Region / Circle Office.
4. Unlocking / Resetting the User(s) if SOL System Administrator fails to unlock / reset.
5. Allotment of ID & Password to new Agent (after creating in Finacle by SOL) & unlocking Agent password
(by CEPT/FSI) along with information on Authority No., DSA ID, First & Last Name, reason of lock.
D. Feeding at SOSB, SBCO & Return to SBCO in CBS Finacle environment: There is no need of data
feeding at SOSB or SBCO for the Post Offices which are migrating to CBS Finacle. Return to SBCO needs to
be given daily as usual preparing Consolidated Journal.
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How to get/find it, if forget to note or when in problem
1. New A/c No. from Old A/c No. CNAC – SOL ID + scheme + Old A/c No.
2. A/cs linked to MPKBY agent. HDSAMM
3. Commission paid to agents. HFINRPT → HPR → Report 2 to 5 as per requirement.
4. TDS deducted from Agents. HFINRPT → HPR → Report 2 & 3 as per requirement.
5. New A/c No. (any scheme) not noted
HAFI →SOLID: Default SOLID → Ref. No.: Enter one or two spaces→ Table Short Name: GAM →
General Ledger Subhead Code: as under → Authorize: Select the radio button 'Not Authorized→
Function Code: A (ADD i.e new Accounts opened): M (modified accounts) : Z (Closed A/cs)
Following are the GL Heads:
SB - 30001,PPF- 33001, NSS87 -30021, NSS92 -30022, SSA- 30042, MIS- 30016, NSC 10 year-
32003, NSC 5 year- 32001, RD- 30010, KVP- 32027, TD -30011.
6. New Regd. No. (KVP/NSC) not noted. A/c No. or Trans. ID should be known. A/c No. not known:
Go to HFTI, give Trans. ID and get A/c No. / Invoke HAFI and get A/c No. Invoke CSCOAACM (New
KVP/NSC modify before verify), → A/c No →GO. Details will be displayed. Note Regd. No.
OR Invoke CSCOAACV / NSCAOVF (New KVP/NSC verify). Function: V-Verify → CIF ID → click on searcher
of Regd. No. Unverified Regd. Nos. of the SOL appears. (Also applicable for Fake New A/cs)
7. New PPF Loan A/c No. not noted. Suffix 1 to the original A/c.
8. New RD Loan A/c No. not noted. Suffix 1 to the original A/c.
9. Denomination & Serial No. of KVP/NSC issued to a Regd. No. CSCACM / NSCAM
10. KVP / NSC pledged. HACLI or HACLITD or HAFSM- Freeze A/c inquire
11. Inventory Transaction ID not noted OR which Inventory not authorized. HIMR → HPR or HIMI date
Gofind the Trans Enter but not authorized.
12. Transaction ID of deposit / withdrawal not noted
HACLI → A/c ID → Click on transaction date, details will be displayed. OR Use HFTI
13. Transaction ID of Salary / Pension uploaded not noted
HACLI → A/c ID → Click on transaction date, details will be displayed.
14. Transaction ID of HLAUPAY (RD unscheduled Loan repayment) not noted
Go to verify screen of HLAUPAY – V-Verify → click on searcher of Transaction ID – list of unverified
HLAUPAY transactions appear. Search your SOL & get the Tans. ID.
15. Standing Instruction Serial No. note noted.
HSSII → Click on Serial No. Searcher & give A/c ID → Serial No. will be displayed.
16. Forget the instrument No. of HACXFSOL transaction (Inter SOL transaction)
Invoke HAFI → SOL ID → Enter the table name as ATT→ Enter the Teller User ID in 'Entered by' field→
Enter the Trans Date in 'Entered on' field→ GO.
This will list the instruction / instrument number.
17. Forget the instrument No. while converting: HACXFRSC (Exceptional transfer).
Invoke HAFI → SOL ID → Enter the table name as SCT→ Enter the Teller User ID in 'Entered by' field→
Enter the Trans date in 'Entered on' field→ GO
This will list the instruction number.
18. How to get A/c No. from POSB CQ. HINQACHQ / CHAIN
19. Extension of PPF a/c: HCEXTN
20. Extension of SSCS a/c: HTDREN
21. How to view / print the ledger card of any A/c for a given range of date. HACLPOA
22. How to know an A/c has lien. HACCBAL
23. Ledger View of SCSS/MIS: HFTIA/c IDSOL ID + respective sundry a/c ID in Ref. column give
respective original a/c IDkeep the start date blankthen GO
24. Find the before migration transactions details of any a/c: TIPM
25. How to fetch the interest of MIS/SCSS/TD through HTM when the exact amount in not known :
In the second part trans screen do not enter any value in the Start Amt / End amt. fields (it
should be blank)give the a/c ID at Ref columnsubmit
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Good Practices in CBS Finacle for Post Offices (HOs & SOs)
EOD completion Time as By SO By HO BY CPC

per instruction of DTE 1700hrs (05PM) 1800hrs (06PM) 2000hrs (08PM)
As EOD is dependent on Counter Transaction Closing time, EOD by HO & SO must be initiated within one-half to
two hours from Counter Transaction Closing time or latest by 1800hrs (06PM) whichever is earlier. It is for
information that CPC requires about one-half to two hours more to complete EOD process after EOD by all SOLs.
A. In the morning before starting of counter work:

 See Finacle is showing today’s date.
 Invoke HFTI and ensure there is nothing in Entered or Posted stage. If anything is there, clear these as
given in this booklet. For any problem bring to the notice of CPC concerned.
 Ensure that Teller cash is zero. Else note it which will help tallying at the closing.
 Perform Vault operation (Receipt from Treasury).
B. On starting of counter work:
New A/c Opening & Issue of CC:
 Use of Form: Use New A/c Opening Form (AOF) with KYC Form as per SB Order No.6/2015 dated 09.06.2015.
 For new CIF, take One KYC Form (AOF pages & KYC documents are for Post Offices & KYC Form is for CPC).
 For Change Request (CR), take KYC Form in duplicate (one for Post Offices & one for CPC).
 Verification of A/c Opening Form: Carefully verify the A/c Opening Form, KYC Form and KYC Documents.
Return the incomplete Forms to the customer advising proper filling.
 Customer Information File (CIF): Do not create CIF randomly. Check for existing CIF (CDEDUP). Always try to
use CIF of SB or PPF (as SB & PPF are run for more years) for opening of A/c in other schemes.
 Opening of A/c: Feed data carefully. Do not click on Submit more than once. If funding is to be done by
transfer, then ensure that new A/c is opened with CIF of Primary A/c holder of Savings A/c or new A/c is a joint
A/c.
 Specifying repayment A/c on Opening of MIS/TD/SCSS A/c: Customer may be advised to specify repayment
SB A/c for auto transfer of Interest, closure transfer & to avail facility of re-investment. If he has no SB A/c,
advise him to open one SB A/c.
 Issue of CC: New Cash Certificate (KVP / NSC) must not be issued (handed over) to customer on presumption/
manually. After opening of new Cash Certificate, invoke HDRP menu to print the CC. Insert the exact
certificate (Denomination & No.) in the printer and print. If the printer has problem or Cash Certificate size
does not fit to the printer, then print the Cash Certificate in the system and issue the Cash Certificate writing
manually.
Funding:
 General: Feed the amount carefully. Take special care for RD (Deposit & Withdrawal – Loan), PPF withdrawal
(Restricted & only once in a year), SSA deposit (as withdrawal not allowed).
 Funding by Transfer: No withdrawal form is required. On AOF the Depositor is to write “Funding by Transfer
from Savings A/c No. ………”
 MPKBY List: Ask the Agents to write commission payment A/c No. on the list. Accept e-reference list, verify
commission payment A/c to ensure posting of due commission. Else ask the Supervisor to verify carefully.
Closure & Withdrawal: (SO is authorized to close all schemes except PPF).
 MIS/TD/SCSS Interest payment: Use HTDTRAN to know about Interest Outflow. If not found, use HFTI and/or
HACLINQ to know interest out flow by giving interest flow date, Sundry A/c No. & TD / MIS / SCSS A/c as Ref.
No. (Sundry A/cs are:- MIS=SOLID+0337; TD=SOLID+0335; SCSS=SOLID+0338).
 By Cash: To be done as usual. INR.20000/- or more must not be paid by cash for other than SB. Run
HCASHPND to adjust the cash withdrawal.
 By Transfer to SB A/c: To be done as usual. But the customer may be advised to write the SB A/c No. in the
form if not specified earlier. Before transfer, verify status of SB A/c (SB A/c is opened at least one day earlier,
no verification is pending & not a Dormant (Silent) A/c). If so, rectify first, then transfer.
 By Cheque: SOs which are authorized to draw cheque, should transfer the amount to PM’s cheque A/c (SOL
ID+0340) and made over the cheque to depositor. SOs which is not authorized to draw cheque should adopt
the following procedure.
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 SO which is not authorized to draw cheque:
 Preference may be given to transfer the amount to customer’s SB A/c.
 Withdrawal: Sent cheque requisition to HO. On receipt of cheque, perform the withdrawal.
 Closure: S.O. may perform final closure, but must not verify. View the amount to pay. Accordingly do
cheque requisition. On receipt of cheque, the A/c to be verified. It will come in the LOT on the day of
verification.
 Reinvestment: Savings A/c is compulsory. Obtain filled in AOF where depositor will write Savings A/c No. for
closure proceeds and reinvestment to new A/c. For new A/c or CC Issue, debit Savings A/c and credit new A/c.
Remaining part amount will be in Savings A/c.
 Bulk Closure of CC (CNSBCV): Payment by cash is not allowed in bulk closure.
Transaction Closing: (For both SOL & Inter SOL Transactions):
 SOL Transaction Closing: Though SB counter transaction closing time differs from office to office, the last
closing time should not be more than 1600hrs (04PM).
 Inter SOL Transactions (HACXFSOL): If there is any Inter SOL Transactions, it must be completed at least
before half an hour of SB counter transaction closing time. Prefer cheque payment avoiding payment by cash.
BO Transactions: (Criteria: 1300hrs for 1500hrs & 1200hrs for 1400hrs SB counter close)
 Mail received from BO by 1200hrs / 1300hrs: Account for the Daily A/c on the same day and complete BO
Savings Bank transactions in Finacle by 1500hrs.
 Mail received from BO after 1200hrs / 1300hrs: Following procedure may be followed.
 “Delivery information of Regd., Speed Post articles etc. may be updated. Remitted to SO may be taken
as Advance in Treasury. BO Daily A/c & BO SB figure may be taken into a/c on the next day. BO Savings
Bank transactions may be fed in Finacle on the next day (after EOD of today)”.
 Non-linking of BO A/cs: It should not be reported to CPC or DMCC / CBS-CEPT Chennai. Instead, the said BO
A/cs may be modified to tag/map/link to concerned BO in CBS Finacle. (Modification menu options: SB=
CASBAM; RD= CRDACM / RDAMM; TD= CMISAM / MISAMAV; SSA= PPFAMAVF / CPPFAM). After
modification the same must be verified by Supervisor. (Supervisor Verification menu options: SB= CASBAV;
RD= CRDOAACV / RDAOVF; TD= CMISAOPV / MISAVF; SSA= CPPFAO). (Ref. email of 14.05.2015).
 Sending Sanction to BO: Follow laid down process of sanction of BO withdrawal/closure. Passbook and SB7A
should be sent to BO with the direction that:-
For SB- Sanction is valid only up to last working day of the month. For RD & TD - Sanction is valid only up to
…… day of the month (day of the month on which the A/c is opened).
If customer does not attend BO up to that date, a fresh sanction is to be obtained by BO.
Verifications: Supervisor needs to verify the transaction immediately as and when occurs especially Inter SOL.
C. On Closing of counter work:
 Report printing: Ensure that nothing is pending for Verification & cash payments have been adjusted by
HCASHPND. Required daily LOT & Journals may be printed after completion of verification of
transactions. Besides it is required to take print out of PM’s cheque A/c (SOL ID+0340) & cheque clearing
list and Supervisor to ensure that these are made zero for the day (i.e. no cheque is pending for
disbursement, all the cheques cleared have been posted i.e. either new a/c opened or subsequent
deposits are made in respective a/cs).
 Perform Vault operation (made over to Treasury). Ensure that Teller cash is zero.
 Invoke HFTI, HAFI & HIMI and ensure there is nothing pending. For any problem bring to the notice of
CPC concerned immediately.
 Execute EOD.
 Seal the vouchers & LOTs. Size the AOF, KYC Forms & KYC Documents for the office (keep in ring guard
file) & size KYC Form for CPC for sending on the next day.
Fault Reporting: Network fault reporting should be made to M/s Sify immediately. For Finacle, before fault
reporting refer “FAQ dated 04.10.2014” and “CBS Finacle Work Flow Process with BO Transactions” and contact
CPC on telephone. If no solution is found, send email with screen shot immediately. The last fault reporting for
the day should be by 1730hrs for HO and 1630hrs for SO and the fault should be related to EOD.
Feeding at SOSB, SBCO & Return to SBCO: There is no need of data feeding at SOSB or SBCO for the CBS Post
Offices. Return to SBCO needs to be given daily as usual preparing Consolidated Journal.
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Frequently Used Menu Options / Commands – CBS Finacle
CIF MODULE ACCOUNT MAINTENANCE RD Module
Search CIF CDEDUP A/c Lien Marking HALM Open RD A/c CRDOAAC
Create /Modify/Verify New CIF CCRC A/c Freezing HAFSM Verify A/c Opening CRDOAACV
Modify / Verify Existing CIF CMRC Stop Payment of Chq HSPP Modify before Verify CRDOAACM
Merger of CIF HCCA Verify SPP HSPPAU Modify after Verify CRDACM
Customer 360◦ View HCRV Stop Payment Report HSPRG Printing RD Passbook HPBP
Search CIF CDEDUP Standing Instructions HSSIM Pending Installment Inq HPLIST
SB Module Inquire SI HSSI Funding RD CRDP
Open Account CASBAO SI Report HSIETR Manually Extend RD PRDCM
Verify Account CASBAV SI Register HSIRP Close RD A/c CRDCAAC
Modify before verify CASBAOM TD/MIS Module PPF Module
Modify after Verify CASBAM POTD / MIS A/c Opening CMISAOP PPF A/c Opening CPPFAO
Cash Transaction CTM POTD/ MIS Verification CMISAOPV Verification CPPFAV
Transfer Transaction CXFER Modify Before Verify CMISAOPM Modify before Verify CPPFAOM
Passbook Print HPBP Modify after Verification CMISAM Funding of PPF CPDTM
A/c Ledger Inquiry HACLI TD A/c Extension HTDREN Withdrawal of PPF CPWTM
A/c Balance Details HACCBAL Inquire Details of TD/MIS TDINQ Extend PPF HCEXTN
A/c Inquiry HACCDET Closure of MIS/TD HCAACTD Closure of PPF HCAAC
Find New A/c from Old A/c CNAC Verification of Closure HCAACVTD Loan on RD
Closing A/c HCAAC SCSS Module RD Loan A/c Opening CAOLARD
OFFICE ACCOUNTS SCSS A/c Opening CSCAOP Verification CAOVLARD
CASH Transfer HTM Verification of A/c CSCAOPV Modify Before Verification CAOMLARD
Cash Reports HFINRPT Modify before Verify CSCAOPM Modify After Verification CACMLARD
Teller Cash Report HSCWRPTA Modification after Verify CSCAM RD Disbursal LARDD
Teller Cash Position HTCPIAE Tfr. to Exception Scheme HACXFRSC RD Loan Repayment HLAUPAY
Cash Position (All Tellers) HTCPIAC Closure of SCSS A/c HCAACTD RD Loan HPAYOFF
Office A/c Inquiry HACLINQ Verification of Closure HCAACVTD RD Loan Closure CAACLA
Office A/c Ledger Extract HACLPOA NSC/KVP Loan on PPF
INVENTORY MANAGEMENT Open Account CSCOAAC Loan A/c Opening CLPPFAO
Inventory Movement HIMC Verification of A/c opening CSCOAACV Loan A/c Verification CLPPFAOV
Split Inventory (own location) HISAI Modify A/c before Verify CSCOAACM Modify before Verify CLPPFAOM
Split Inventory (Other’s location) HISIA Modify A/c after Verify CSCACM PPF Loan Disbursal CPWTM
Merge Inventory (Own Location) HIMAI Printing NSC HDRP PPF Loan Repayment CPDTM
Merge Inv. (Other’s Location) HIMIA Reprint NSC HREDRP PPF Loan Int. Run HACINT
Inventory Inquiry HIIA Closing Account CSCCAAC PPF Loan Process CLPR
Issue of Cheque Book HICHB NC$A Report HFINRPT Closure of PPF Loan HCAAC
Cheque Book Inquiry HICHBI AGENT PORTAL Out Station Cheque (OSC) Module
Find A/c id from Chq No HINQACHQ Agent Transactions HAGTXP OSC Maintenance HIRM
Inventory Report HISRA Create DSA ID HDSAMM OSC Report HINWREMI
Print Reports HPR Agent Inquiry HDSAIP Memo pad Lookup HMEMOPAD
HPO to SPO SOL Change HCCS Outward Clearing Module(HPO) Memo pad Verification HMPAU
Inward Clearing Module Enter Instruments HOMSO Transfer File to PC HTRFTOPC
Open/ Validation/ Post /Suspend HMICZ Verify Instruments HOMSO Chq book issue Report HCHBIR
/Close/ Inquire Inward Zone
Upload Chq HRMI Report Generation HOMSOEX Customer A/c Ledger Print HACLPCA
Edit/Enter Instruments HICTM Inquiry of Lodged Cheque HIOCLS Interest Table Inquiry HINTTI
Validation Run HMICZ Open Zone HMCLZOH Int. Table Maintenance HINTTM
Verify Chq HICTM Upload File Generation HOMSOEX Other Important Menus
Outward Clearing Module (SPO) Clearing File Upload HCLUPLD Transfer of A/c to CBS PO HACXFSOL
Enter Instruments HOMSO Instruments Entry HOCTMO Tfr. to Exceptional Schemes HACXFRSC
Verify Instruments HOMSO Suspend Zone HMCLZOH Financial Tran Inquiry HFTI
Report Generation HOMSOEX Verify Instruments HOCTV Financial Tran Report HFTR
ECS Module Release to Shadow HMCLZOH Audit File Inquiry HAFI
ECS Mandate HECSM Mark Pending HMARKPEN Cash adjustment HCASHPND
Create ECS Dump HEGOC Revoke Pending HREVPEND EOD
ST
Settlement Process Run HEOSR Regularise Zone HMCLZOH 1 Step HSCOD
nd
ECS Reject Processing HEORP 2 Step HSOLCOP
rd
Transfer File to PC HTRFTOPC 3 Step HSCOLD
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List of End Users’ Menu in CBS Finacle – In Alphabetical Order of Modules
ATM Menu Type
1 Cash loading in ATM HXFER HXFER V
2 Inquire ledger balance HACLI HACLI T
3 ATM Card issue etc. (All SOLs) CCMM CCMM V
4 Download files by giving parameter (for Bangalore CCDM CCDM ---
GPO)
Agent Portal
1 Create DSA ID / DSA Master Maintenance HDSAMM HDSAMM V
2 DSA Parameter Setup HDSAPM HDSAPM V
3 Agent Inquiry HDSAIP ----
4 Agent Transactions - Agent Bulk Posting Menu HAGTXP / RDAGBP HAGTXP V
5 View / Modify attachment of Agent to RD a/c CRDACM CRDACM V
6 Posting Bulk PRSS Agent list HAGTXP/ CPAGTXP HAGTXP/CPAGTXP V
Cash Certificates: KVP / NSC
1 KVP/NSC Open Account CSCOAAC/ NSCAO CSCOAACV/NSCAOVF V
2 KVP/NSC New Account Modify before Verify CSCOAACM/NSCAMBV CSCOAACV / NSCAOVF V
3 KVP/NSC New Account Modify after Verify CSCACM / NSCAM CSCACM / NSCAM V
4 Printing KVP/NSC HDRP ----
5 Reprint KVP/NSC ---- HREDRP T
6 Duplicate certificate printing (In Postmaster’s ---- HDUDRP T
login only)
7 Correctness of the certificate allotment CSCACM / NSCAM CSCACM / NSCAM T
8 Final Closure KVP/NSC Account wise CSCCAAC / NSCAC CSCCAAC / NSCAC V
9 Closing (Encash) Bulk KVP/NSC by Regn. No. CNSBCV CNSBCV V
10 NSC Report HFINRPT HFINRPT T
11 Balance Inquiry of KVP HACLITD HACLITD T
12 To check the pledged status of KVP/NSC A/c HAFSM HAFSM T
Cheque - Inward Clearing with sequence
1 Open Inward Clearing Zone ------ HMICZ T
2 Edit/Enter Instruments HICTM/HICTMO ---- T
3 Rejecting cheque – both Inward & Outward HICTM/HICTMO ---- T
4 Verify cheques ---- HICTM/HICTMO V
5 Suspend Inward Clearing Zone ----- HMICZ T
6 Validation Run ----- HMICZ T
7 Report generation ----- HPR T
8 Modify cheque which are marked as Inward Reject ----- HICTM T
automatically due want of fund
9 Post Inward Zone ----- HMICZ T
10 Close Inward Zone ----- HMICZ T
Cheque -Outward Clearing (HPO) with sequence
1 Opening of Zone ---- HMCLZOH T
2 Instruments Entry HOCTMO ----
2a File Downloading from S.Os ---- HTRFTOPC T
2b Upload Clearing File of S.O ---- HCLUPLD T
3 Inquiry of Lodged Cheque HIOCLS HMCLZOH V
4 Verify Instruments (Verify one by one: HOCTM. ---- HOCTM / HOCTV V
Bulk verification: HOCTV)
5 Suspend Zone ---- HMCLZOH T
6 Report for Clearing House HPCLSO/ HOMSOEX HPCLSO/ HOMSOEX T
7 Release to Shadow Balance ---- HMCLZOH T
8 Marking outward rejection (In Inward zone) ---- HICTMO T
9 Mark Pending of cheque(s) ---- HMARKPEN T
10 Regularise Shadow Balance ---- HMCLZOH T
11 Revoke Pending (By Postmaster) ---- HREVPEND T
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Cheque - Outward Clearing (SO) & CBS HO not dealing with clearing house
1 Enter Instruments HOMSO ----
2 Verify Instruments ---- HOMSO V
3 Report generation for cheques CHLR. ---- T
4 Generation of text file for HO HTRFTOPC ---- T
5 Inquiry of Lodged Cheque HIOCLS HIOCLS T
Cheque - Out Station Cheque (OSC)
1 OSC Maintenance (Lodge/ Verify / Realize / HIRM HIRM V
Dishonour)
2 OSC Report HINWREMI T
3 Upload Chq HRMI T
Common Menus – All schems
1 Account Details HACCDET ………
2 Account Name Change --------- HAALM TV
3 Account Interest Before Closure HACINT HACINT T
4 Account Ledger Inquiry HACLI HACLI T
5 Account Selection List / Search a customer HACS HACS T
6 BO Account Closure Warrant HACACCR HACACCR V
7 Cash Pending clear Transaction (Adjustment) HCASHPND HTM V
8 Cash Transfer CXFER CXFER V
9 Change Context SOL ID ---- HCCS T
10 Custom New Account (Find new A/c No.) CNAC CNAC T
11 Customer Becoming Major (Report) HCBM → HPR ………
12 Customer Transaction Maintenance (by cash) CTM CTM V
13 Deposit Transactions Report Summary HDTRS ………….
14 Finacle Report HFINRPT HFINRPT T
15 Find Transaction ID HFTI HFTI T
16 Pass Book Printing HPBP ……..
17 Pass Book Printing (Selected entry) HPBPR HPBPR V
18 Teller Cash Position Inquiry An Employee HTCPIAE ……..
19 Transactions Maintenance HTM HTM V
20 Transfer Of Accounts (Inter SOL) HACXFSOL HACXFSOL V
21 View / Print generated report HPR HPR T
22 View / Print the statement of account HPSP→ HPR HPSP→ HPR T
23 New A/c Opening List view / print HACSP→ HPR HACSP→ HPR T
Customer Information File (CIF)
1 Search existing CIF CDEDUP CDEDUP T
2 New CIF Create/Modify/Verify CCRC / CIFCR CCRC V
3 Modify / Verify Existing CIF CMRC CMRC V
4 Merger / Change of CIF HCCA HCCA V
5 Customer 360◦ View HCRV HCRV T
6 Inquiry on Customer HCUDET HCUDET T
Discontinued Schemes
1 Payment of Principle by Cash/Cheque/ Transfer HTM HTM V
2 Payment of PMI by Cash CTM CTM V
3 Payment of PMI by Cheque / Transfer CXFER CXFER V
4 Closure Of Accounts HXFER HXFER V
5 Reporting (Ledger printing) HACLPOA ---- T
ECS
1 ECS Mandate Maintenance HECSM HECSM V
2 Create ECS Dump HEGOC ----
3 Settlement Process Run HEOSR ----
4 ECS Reject Processing HEORP ----
5 Transfer File to PC (Download ECS file created in HTRFTOPC
HEGOC)
Freezing of A/c
1 Freezing & Unfreezing of A/c HAFSM HAFSM V
Inventory Management
1 Add Inventory & Verify (Cheque / KVP / NSC) ---- HIMC TV
2 Change SOL ID to Transfer Inventory by HO ---- HCCS T
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3 Split Inventory Own Location HISAI HISAI TV
4 Split Inventory Other Location HISIA HISIA TV
5 Merge Inventory Own Location HIMAI HIMAI TV
6 Merge Inventory Other Location HIMIA HIMIA TV
7 Inventory Status / Stock Report HISR/HISRA ----
8 Inquire Inventory (Between Locations – HIMI ----
Movement)
9 Inquire Inventory (Particular Location / Available) HIIA ----
Inventory - Cheque Book maintenance
1 Issue Cheque Books HICHB HICHB V
2 Stop Payment Processing of Cheque HSPP HSPPAU V
3 Inquire Account Id For A Cheque HINQACHQ ………..
4 Cheque Book Maintenance (Acknowledge, Inquire, HCHBM / CHBM HCHBM / CHBM V
Destroy etc.)
5 Cheque Book Issued Register HCHBIR HCHBIR
6 Cheque Book Maintenance (Acknowledge, Inquire, HCHBM / CHBM HCHBM V
Destroy etc.)
Inventory Movement Report
1 To know status of all Inventory movement for a HIMR → HPR HIMR → HPR T
day (Authorised & Not Authorised)
Lien Maintenance
1 Marking / Removing Lien on A/c HALM HALM V
2 Show / See the effect of Lien on a/c balance HACLI HACLI T
3 Show / See the lien amount HACCBAL HACCBAL T
NSS A/c
1 Withdrawal Transactions CTM or CXFER CTM or CXFER V
2 Amend Nomination Details & Verify HACM HACM V
3 Take TDS before Closure HCACC HCACC V
4 Closure of NSS A/c & Verify HCAAC / CLOSE HCAAC / CLOSE V
5 Removal of Freeze & Verify HAFSM HAFSM V
6 Enquire NSS92 original deposit (Free Text 12) HACM_MIS Codes ----
7 Enquire NSS Form 15G / 15H (Free Code 9) HACM_MIS Codes ----
Office A/c (See Inquire also)
1 Postings into Office Accounts Basic and Office HTM HTM V
Accounts Pointing & Verification
2 Parking of Unposted Amount where Credit a/c no. CTM / CXFER CTM / CXFER V
is wrong OR unknown
3 Inquire on Transactions HIOT /TIPM HIOT /TIPM T
4 Ledger Inquiry – Office Accounts HACLINQ HACLINQ T
Other SOL Transaction (Inter SOL Transaction)
1 Balance Inquiry HACLI HACLI T
2 Transfer in from other SOL (inter SOL Transfer) HACXFSOL HACXFSOL V
3 Name change ---- HAALM TV
Pay & Other Bill Uploading
1 Upload Salary/Pension text files ---- HTTUM T
2 Salary/Pension Uploading report generation HFINRPT HFINRPT T
3 Salary/Pension Upload report view / print HPR HPR T
4 Generation of List of pension accounts HACSP HACSP T
Pradhan Mantri Yojana
6 Data entry for PMJJBY & PMSBY CPMY CPMY V
7 To get total amount collected all over India CUUTR These two are work T
8 Update UTR Number and Amount after RTGS CUUTR of Sansad Marg HO, T
New Delhi
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Public Provident Fund (PPF) A/c
1 PPF New A/c Opening CPPFAO CPPFAV V
2 PPF New A/c Modify before Verification CPPFAOM CPPFAV V
3 New A/c Modify after Verification CPPFAM CPPFAM V
4 Modify existing PPF A/c PPFAMAVF / CPPFAM PPFAMAVF / CPPFAM V
5 Funding – Deposit in PPF CPDTM CPDTM V
6 Withdrawal from PPF CPWTM CPWTM V
7 Extension of PPF HCEXTN HCEXTN/PPFAEXT V
8 Transfer in / Out of PPF A/c – CBS PO to CBS PO HACXFSOL HACXFSOL V
9a PPF Transfer in from Bank or a non-CBS PO to a CPPFAO/PPFAO CPPFAV V
CBS PO
9b To edit transaction text file of Bank HTRFTOUN ----
9c To upload transaction text file of Bank CTUPLD CTUPLD V
st
10 PPF Transfer in from Bank processing (1 CTPROC CTPROC TV
Supervisor to do, then PA)
11 Zeroing of PPF interest for the financial year in ---- HINTTM TV
case of Transfer-out to Bank (Run from Postmaster
login & verify by another Supervisor)
12 PPF Transfer out to Bank (To be initiated by HCAAC HCAAC TV
supervisor and be verified by another
supervisor)
13 Closure of PPF on maturity HCAAC HCAAC V
14 Pre-mature / Claim Closure of PPF (To be verified ---- HCAAC TV
by another Supervisor)
PPF LOAN
1 PPF Loan A/c Opening CLPPFAO / PPFLAO CLPPFAOV / PPFLAVF V
2 PPF Loan A/c Modify before Verify CLPPFAOM/PPFLAMBV CLPPFAOV / PPFLAVF V
3 PPF Loan A/c Modify after Verify / Modify existing CLPPFAM / PPFLAMAV CLPPFAM / PPFLAMAV V
PPF Loan A/c
4 PPF Loan Disbursement and Interest Recovery CPWTM / PPFWLINT CPWTM / PPFWLINT V
5 PPF Loan Repayment (Principal) CPDTM / PPFDPLR CPDTM / PPFDPLR V
Closure of PPF Loan A/c (Use CPDTM to pay principal) Then following steps.
st
6 PPF Loan Process (1 Step of Closure) ---- CLPR T
nd
7 PPF Loan Int. Run (2 Step of Closure) HACINT ----
rd
8 Closure of PPF Loan (3 Step of Closure) HCAAC HCAAC V
Recurring Deposit (RD) A/c
1 RD New A/c Open CRDOAAC /RDAOCM CRDOAACV / RDAOVF V
2 RD New Account Modify before verify CRDOAACM / RDMAO CRDOAACV V
3 RD New Account Modify after verify CRDACM CRDACM V
4 Funding – Deposit in RD CRDP / CRDAMT CRDP/ CRDAMT V
5 Manually Extend RD for next 05 years PRDCM PRDCM V
6 Extension of RD HPRDCM HPRDCM V
7 Deferment of RD Maturity Date in case of PMDDRD PMDDRD V
permitted defaults
8 Removing RD Lien of Loan Interest before closure HALM HALM V
when principal has already been paid before
migration to finacle
9 Close RD A/c CRDCAAC / RDACLM CRDCAAC/RDACLM V
10 Pending Installment Inquiry HPLIST HPLIST T
RD Agent (MPKBY)
11 Agent Transactions - Agent Bulk Posting HAGTXP HAGTXP V
12 View/ Modify attachment of Agent to RD a/c CRDACM CRDACM V
13 Check the agent type HDSAMM --
RD Loan
14 RD Loan A/c Opening CAOLARD / RDHWAO CAOVLARD/ RDHWAVF V
15 RD Loan A/c Modify Before Verification CAOMLARD/RDHWAMBV CAOMLARD V
16 RD Loan A/c Modify After Verification CACMLARD/RDHWAMAV CACMLARD V
17 RD Disbursal LARDD / RDHWDP LARDD V
18 RD Loan Repayment – Unschedule HLAUPAY HLAUPAY V
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19 RD Loan Repayment – Schedule HLASPAY HLASPAY V
20 RD Loan Pay off Process HPAYOFF HPAYOFF V
21 RD Loan Closure CAACLA CAACLA V
Rectification
1 Transfer of A/c to Exceptional Scheme / Transfer HACXFRSC HACXFRSC V
accounts across scheme codes
2 Rectify Wrong printing of customer address or HRRCDM HRRCDM Not
Post Office name in Passbook given
3 Fake / Unwanted A/c opening verification ---- HOAACVTD V
4 Fake / Unwanted A/c closure HCAACTD HCAACVTD V
Savings Accounts (Known as SB A/c)
1 SB New Account Open CASBAO CASBAV V
2 SB New Account Modify before verify CASBAOM CASBAV V
3 SB New Account Modify after verify CASBAM CASBAM V
4 Funding in SB A/c - Cash Transaction CTM CTM V
5 Funding in SB A/c - Transfer Transaction CXFER CXFER V
6 Closing of SB A/c HCAAC HCAAC V
7 SB A/c Ledger Inquiry HACLI HACLI T
8 SB A/c Balance Details HACCBAL HACCBAL T
9 SB A/c Inquiry HACCDET HACCDET T
10 Minor to Major Report HCBM →HPR HCBM →HPR T
Standing Instructions Maintenance
1 Standing Instruction Maintenance HSSIM HSSIM V
2 Standing Instruction Inquiry HSSII HSSII T
3 Standing Instruction Print HSIRP HSIRP T
4 SI Executed Today’s Report HSIETR HSIETR T
5 SI Execution Report HSIREPTS → HPR HSIREPTS → HPR T
Sukanya Samriddhi Accounts (SSA)
1 SSA New A/c Opening CPPFAO CPPFAV V
2 SSA New A/c Modify before Verification CPPFAOM CPPFAOM V
3 New SSA A/c Modify after Verification CPPFAM CPPFAM V
4 Funding – Deposit in SSA CTM CTM V
5 New A/c Opening List view / print HACSP → HPR HACSP → HPR T
TDA -Term Deposit Accounts (TD / MIS)
1 Term Deposit (TD / MIS) New A/c Opening MISAO/ CMISAOP/ MISAVF / CMISAOPV / V
TDACTOP TDACTOPV
2 (TD/MIS) New A/c Modify Before Verification MISAMBV/ CMISAOPM CMISAOPV V
3 (TD/MIS) New A/c Modify after Verification CMISAM / MISAMAV CMISAM V
4 Funding (TD/MIS) by cash, if not done at open TRCDP/CTM / HCTM TRCDP/CTM / HCTM V
5 Funding(TD/MIS) by transfer, if not done at open TRTFR / CXFER TRTFR / CXFER V
6 Term Deposit (TD/MIS) Interest payment HTM HTM V
7 Closure of Term Deposit (TD / MIS) A/c HCAACTD / TDACTCL HCAACVTD / TDACTCLV V
8 Inquire Details of Term Deposit (TD / MIS / SCSS) TDINQ TDINQ T
9 Term Deposit (TD/MI /SCSS) Transactions Details HTDTRAN HTDTRAN T
10 View Term Deposit (TD/MIS/SCSS) Interest Details HIOT / TIPM HIOT / TIPM T
of Sanchasy Post (Upto migration)
Time Deposit Special / Extra
1 TD A/c Extension / Renewal / Re-deposit TDRED / HTDREN HTDREN V
2 Closure of Time Deposit upon Death of Customer
2a Modification of CIF to enter death information CMRC / CIFMD CMRC / CIFMD V
2b Closure of Term Deposit (Time Deposit) HCAACTD / TDACTCL HCAACVTD / TDACTCLV V
MIS Special / Extra
1 MIS A/C Individual Holding Status CLIMIT CLIMIT T
2 Closure of MIS Upon Death of First of the Joint A/c Holder where amount is
more than the prescribed MIS limit
2a Modification of CIF to enter death information CMRC CMRC V
2b Withdrawal of Excess Amount from MIS Deposit HCAACTD HCAACVTD / TDACTCLV V
2c Merger of CIF HCCA HCCA V
2d MIS account modification to single a/c CMISAM CMISAM V
TDA -Term Deposit Accounts (SCSS A/C)
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1 SCSS New A/c Opening CSCAOP / SCSSAO CSCAOPV / SCSSAV V
2 SCSS New A/c Modify Before Verification CSCAOPM /SCSSMBV CSCAOPV V
3 SCSS New A/c Modify after Verification CSCAM / CSSMAV CSCAM V
4 SCSS A/c Extension / Renewal for next 03years HTDREN HTDREN V
5 Closure of SCSS A/c on maturity HCAACTD HCAACVTD V
6 Death Closure within Lock-in Period
6a Transfer to exceptional scheme HACXFRSC HACXFRSC V
6b Modification of Interest Rate HINTTM HINTTM V
6c Closure of SCSS a/c HCAACTD HCAACVTD V
7 SCSS Transfer in from Bank / Non-CBS PO SCSSAO HCAACVTD V
TDS
1 Refund of TDS HRFTDS ----
2 Take TDS before Closure of NSS HCACC HCACC V
Vault Transaction
1 Transfer of Cash HTM HTM V
2 A/c Ledger Inquiry HACLI HACLI T
3 A/c Balance Inquiry HACCBAL HACCBAL T
4 Office A/c Ledger Inquiry HACLINQ HACLINQ T
5 Cash Reports (Counter-wise) HFINRPT HFINRPT T
7 Teller Cash Position Inquiry HTCPIAE HTCPIAE T
8 Teller-wise Cash Position Inquiry HTCPIAC HTCPIAC T
Reports - Inquire - View / Print

General Day to day Transaction Reports Menu Type
1 Invoke Report options HFINRPT HFINRPT T
2 How to print or view reports HPR HPR T
Office Accounts And Reports
1 Inquire on transaction HIOT/TIPM HIOT T
2 Inquiry on GL transaction HIOGLT HIOGLT T
3 Office Account Ledger Inquiry HACLINQ HACLINQ T
4 Office A/c. Ledgers Print HACLPOA HACLPOA T
Interest Inquiries And Reports T
1 Account Interest Inquiry HAITINQ HAITINQ T
2 Customer Interest Inquiry HCUIR HCUIR T
3 Account Interest report HAINTRPT HAINTRPT T
4 Interest Details Inquiry HINTTI HINTTI T
5 Inquiry on Interest HLINTI HLINTI T
6 Interest Adjustment HIARM HIARM T
Charges Inquiry And Reports T
1 Customer wise charges Inquiry HCCI HCCI T
2 Inquire Fee details IFD IFD T
3 Closed Charges For Silent Account CCCSA CCCSA T
4 General Fees HGCHRG HGCHRG T
Clearing Inquiries And Reports T
1 Print inward clearing statement HPICSL HPICSL T
2 Print inward clearing validation report HMICZ HMICZ T
3 Clearing rejection report HREJREP HREJREP T
4 Inward Remittance Details Report HINWREMI HINWREMI T
5 Outward Remittance Details Report HOUTREMI HOUTREMI T
6 Outward Clearing Instrument Inquiry HOIQ HOIQ T
7 Transfer File to PC HTRFTOPC HTRFTOPC T
Loan Accounts Inquiry And Reports T
1 Loan accounts of customer report HCULA HCULA T
2 Loan General Details HLNGI HLNGI T
3 Ledger Inquiry HLACLI HLACLI T
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Customer Inquiries And Reports T
1 Account Selection HACS HACS T
2 Account selection and Print HACSP HACSP T
3 Components of account balance HACCBAL HACCBAL T
4 Account balance inquiry HACCBALI HACCBALI T
5 Account Ledger inquiry HACLI HACLI T
6 Account below minimum balance report HABMR HABMR T
7 Account ledger print HACLPCA HACLPCA T
8 Account of customer HCUACC HCUACC T
9 Customer Search HCRV HCRV T
10 Inquire on General Details of Customer HCUDET HCUDET T
11 Signature Verification HACI HACI T
12 View Signature and Photograph List VSPH VSPH T
Cheque Books And Reports T
1 Cheques book issue inquiry HCHBI HCHBI T
2 Inventory Split and Inquiry HISAI HISAI T
3 Inventory Inquiry All HIIA HIIA T
4 Inquire on Inventory Movement HIMI HIMI T
5 Inquiring on the inventory HISI HISI T
Other Inquiry And Reports T
1 Balancing report HBR HBR T
2 Quick balancing report HQBR HQBR T
3 Print report HPR HPR T
4 Inter sol transaction report HISTR HISTR T
5 Inter sol audit report HISAR HISAR T
6 Exceptions Report HEXCPR HEXCPR T
7 Report Generation HFINRPT HFINRPT T
8 General Report HGR1 HGR1 T
9 Day Book printing HPDB HPDB T
10 Generate Stop Payment Register Report HSPRG HSPRG T
12 Accounts Transfer Report CATREP CATREP T
13 Monthly/Yearly Statistical report HMR HMR T
14 Scheme Balances CSCB CSCB- T
15 Monthly/Yearly Nomination Statistical Reports CNSR CNSR T
16 Memo pad Maintenance HMEMOPAD HMEMOPAD T
Deposits inquiry And Reports T
1 Account details HACDET HACDET T
2 General details HGDET HGDET T
3 Renewed account inquiry HRELACI- HRELACI- T
4 Pending installment List (Recurring Deposit) HPLIST HPLIST T
5 Customer accounts maturities HCUMAT HCUMAT T
6 Term Deposit of the customer HCUTD HCUTD T
7 Deposit Transactions Report Summary HDTRS HDTRS T
8 Term Deposit Renewal History Details of Account HRENHIST HRENHIST T
10 Customer Wise TDS Report HTDSREP HTDSREP T
Transactions Inquiry And Reports T
1 Financial Transaction Inquiry HFTI HFTI T
2 Financial Transaction Report HFTR HFTR T
3 Teller cash position Inquiry –employee HTCPIAE HTCPIAE T
4 Teller cash position Inquiry-currency HTCPIAC HTCPIAC T
5 Outward cheques Inquiry HOCI HOCI T
6 Balance Inquiry HABI HABI T
7 A/c. Shadow Balance Inquiry HACSBIO HACSBIO T
8 Transactions Report CNSTRP CNSTRP T
Savings Account Inquiry And Reports T
1 Accounts transfer Report CATREP CATREP T
2 Cheques Report Generation CCHQREP CCHQREP T
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3 Minor to Major Report CMITMA CMITMA T
4 Dormant Accounts revived Report CRVACC CRVACC T
5 Silent account Report CSIREP CSIREP T
6 Account Freeze and Unfreeze Report CAFUREP CAFUREP T
7 Welcome Kit Account Report CWAREP CWAREP T
8 Report of SB Withdrawals above Rs.10000 CWDREP CWDREP T
9 A/c. Balance Details HACDET HACDET T
10 Old Accounts Details Look Up CNAC CNAC T
11 Inquire on General Details of Account HACCDET HACCDET T
12 Account freeze/Unfreeze HAFSM HAFSM T
13 Inquire on standing instructions maintenance HSSII HSSII T
14 Standing Instructions Reports HSIREPTS HSIREPTS T
 Finacle Settings : Desktop – Printer – View Signature & Photo – Pre-requisites
1. Pre-requisites:
Desktop PC with 2GB of above RAM, Licensed Windows XP or above OS with latest Service Packs (Win-7 or
Win-8 is preferred), Internet Explorer 8.0 or higher (IE 8 is preferred), Sun JRE 1.6.0_27 and JDK 1.6 (Java 7
update 21), Adobe Reader 8.0 or above, FlashPlayer10_1r85_3_win or above, Authorised updated Anti-
Virus,
2. Desktop Settings for Finacle:
With addition of new Internet base applications & Services, the desktop settings are get changing time and
again. Hence for desktop settings follow the steps & configuration file provided by the vendor.
3. Pass Book (PB) Printer settings:
a. Installing PB Printer in the computer: Normally we are using Olivetti PRS2 / Lipi PB2 PB Printers.
Connect the printer correctly to the computer and follow the below steps to install the PB Printer.
For Windows-7 & 8

Start → Control Panel → Devices and Printers → Click on Add a Printer → Click on Add a local Printer →
Next screen appears → Click on “Use an existing Port – & - Select appropriate port from dropdown list
(Normally COM1 (Serial Port) → Click on Next → Select “Manufacturer” as “Generic” and then Printer as
“Generic IBM Graphics 9pin wide” → Next → Give Printer Name (e.g. PBPrinter) → Next → Select “ Do not
share this Printer” → Next → Print a Test page (optional) → Finish.
(Printer installation is completed)
For Windows-10
Start → Settings → Devices → Click on +Add a Printer or Scanner (It will search the device & displays
message ) → Click on “The Printer that I want isn’t listed” → Next screen appears → Select “Add a local or
network printer with manual settings” → Click on Next → Click on “Use an existing Port – & - Select
appropriate port from dropdown list (Normally COM1 (Serial Port) → Click on Next → Select “Manufacturer”
as “Generic” and then Printer as “Generic IBM Graphics 9pin wide” → Next → Give Printer Name (e.g.
PBPrinter) → Next → Select “ Do not share this Printer” → Next → Print a Test page (optional) → Finish.
(Printer installation is completed)
b. Parameter Settings in PB Printer: Press Station1 + Station2 + Online switch at a time and power on.
The existing configuration will be printed in the paper. Verify and modify the settings if required. The
following settings are to be done in the Pass Book Printer.
Parameter Config-1 & 2 Config-3 Parameter Config-1 & 2 Config-3
1 Save Parameter Y NA 10 Bit / Char 8 NA
2 PNS Selection N NA 11 Boud Rate 9600 NA
3 BIM Bidirect Y NA 12 RS1 Emulation IBM NA
4 Special Form N NA 13 Interface Serial1 NA
5 PAP Edge Ditect N NA 14 Buzzer Y NA
6 DCD Y NA 15 Paper Width First Line First Line
7 DSR Y NA 16 LQ Type NLQ1 NLQ1
8 Stop Bit 1 NA 17 Draft Speed High High
9 Parity None NA
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c. SW Settings for PB Printer:
1) PB Printer settings in the Operating System:
Description Screenshot
1 Goto Control Panel → Devices
and Printers. Select “Generic
IBM Graphics 9pin wide”
→Select “Printer Server
Properties” tab on the top. A
screen as screenshot-2 appears.
2 Click on “Create a new form”

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

Graphics 9pin wide” → select
“Printing Prefernces”. Screen
as the screenshot will pop-up
with Layout and Paper/Quality
tabs. In Layout tab, click on
Advanced button. Screen as
below screenshot appears.
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4 Select the Paper Size as
PassbookNew1 and Print
Quality as 240x216 dots per
inch. For other field do same
setting as shown in the
screenshot.
On completion Click on OK.
Screen returns back.
5 Right click on Generic IBM

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

PassbookNew1 and Manual
Paper feed as PassbookNew1
and click on OK button.
7 After doing the above changes, in the Paper available section of General tab, the PassbookNew1 (newly
added paper size appears as shown in the screenshot-5 above.
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2) PB Printer settings in Finacle:
Description Screenshot
1 In IE browser, select the Print -> Page set up
2 On click of Page Setup, A
screen appears as the
screenshot. Modify the
settings as shown in the
screenshot. Ensure the
Page Size is selected as
PassbookNew1 (which is
created through “Printer
Server Properties”) and
Enable Shrink to Fit
option is unchecked.
Then click on Change

Font. A screen as
screenshot-3 below
appears.
3 Modify the settings as

shown in the screenshot.
A sample passbook may be printed for the first page and the next page for confirmation and verification.
4. More than one Printer settings in one computer:

Normally in Post Offices the following printers are used.
Printer Type Normally Used for Remarks
Dot Matrix Printer Printing of receipts at postal counters for Also used to print reports but speed
(DMP) booking of different article other than Savings is slow. Available as 80Col. &
Bank work. 136Col.
High Speed DMP To print reports. Heavy duty printers and used when
& Line Printers pages to be printed are more.
Pass Book Used to print Pass Books in Savings Bank Cannot be used for any other
Printers counters purpose.
Laser Printers Used to print Cash Certificates (KVP / NSC) in Cannot be used at postal counters
Savings Bank counters and to print reports. for printing of receipts
When more than one printer is installed / connected to one computer (especially in Single Handed
Offices) set the DMP used for Printing of receipts at postal counters as “Default Printer”.
5. View Signature & Photo:
Signature & Photo of the depositor appears in the screen subject to the condition that (1) Desktop settings
is proper (2) required pre-requisites are installed (3) signature available in Sanchay Post is uploaded on
migration (4) filled in KYC Forms sent to CBS CBS & the same is scanned & uploaded, then Signature & Photo
of the depositor will appear in the screen.
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 Fault Reporting
Keep the escalation matrix (address, email IDs, contact telephone Nos. etc) on the following ready.
(a) Network Link problem

If Network link is not restored within half an hour (maximum) brought this to the notice of the network vendor
through email or web base complain system under intimation to DOP Network Operation and all other
concerned indicating WEGCODE and contact telephone number of the office.
(b) Finacle problem

Web Application problem: If Finacle is not restored within half an hour (maximum) brought this to the
notice of concerned CBS CPC through email or telephone who will escalate the same to the next higher
hierarchy (CBS CEPT, FSI Help Desk, concerned administrative offices).
Operational problem & Software bugs: Bring this to the notice of CBS CPC along with screen shot. CBS CPC
will analyze and raise Incident ID (will be generated through authorized web program) if solution is not
available with CBS CPC.
User ID problem: Bring this to the notice of CBS CPC indicating user ID. At present System Administrators
of H.Os & Supervisors of each SOL are authorised for CSAC of user for their Home SOL. (At times due to various
reasons especially during slowness / unresponsive of Finacle, users remains in logged in condition. Finacle does
not allow the said user to log in. Removal of this active user / enabling the user for further login is done by
menu shortcut CSAC. But the said command / menu shortcut has been withdrawn from CBS CPC for other than
Home SOL.)
MPKBY Agent ID problem: Bring this to the notice of CBS CPC indicating Agent ID, user ID, Agent Name
(First & last name), license expiry date. Resetting of password may require one to two days.
(c) Anti-Virus problem: Bring this to the notice of M/s TCS indicating system IP Address.
(d) Computer & IT related Hardware problem: Bring this to the notice of concerned vendor as per his fault
booking procedure.
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SB Orders related to CBS Finacle
Sl. SB Order Dte Letter No. & Subject Amendment /
No. No. Date Later Ref. if
any
1 12/2013 113-01/2011-SB Change in procedure of payment of commission to
Dt.13.11.2013 SAS / MPKBY Agents and PRSG Leaders in Post Offices
to be migrated to Finacle CBS Application
2 1/2014 114-2/2002-SB(Pt) Printing of modified Standardised Uniform Savings
Dt.06.01.2014 Bank Pass Book for CBS Post Offices and change in
text of information printed in the passbook about
Small Savings Scheme
3 2/2014 116-15/2013-SB Changes in some procedure of POSB in the backdrop
Dt.17.01.2014 of implementation of CBS – regarding – EOD/BOD
4 5/2014 113-01/2011-SB Changes in statutory Rules of POSB in the backdrop 9/2015
(Vol-II) of implementation of CBS - regarding (N.B.: Most
Dt.24.03.2014 important order on CBS in DOP)
5 5/2014 113-01/2011-SB Addedum- Changes in statutory Rules of POSB in the
Dt.20.05.2014 backdrop of implementation of CBS – regarding
6 8/2014 6-15/2013-SB Clarifications on different scenarios being faced or 7/2015
Dt.06.08.2014 likely to be faccd by Post Offices afte r
implementation of CBS.
7 6/2015 25-8/2012-FS(CBS) Introduction of common Account Opening Form
Dt. 09.06.2015 (AOF) for CBS & Non-CBS Post Offices replacing
existing SB-3 and Purchase Application Forms of
Certificates/KVPs etc regarding
8 7/2015 116-12/2013-SB Clarifications on different scenarios being faced or 8/2014
Dt. 18.06.2015 likely to be faced by Post Offices after
implementation of CBS
9 8/2015 113-01/2011-SB Enhancement in cash handling limit of authorised
(Vol.II) Dt. agents of small savings scheme & commission to KVP
10.07.2015
10 9/2015 113-01/2011-SB Premature closure of POTD account before 06months 5/2014
(Vol.II) Dt. - a clarification
03.09.2015
11 10/2015 116-19/2015-SB Implementation of Pradhan Mantri JeevanJyoti Bima
Dt. 04.09.2015 Yojna ( PMJJBY) & Pradhan Mantri Suraksha Bima
Yojna( PMSBY)
12 12/2015 113-02/2015-SB Mandatory use / opening of SB A/c in CBS Post 15/2015,
Dt. 15.10.2015 Offices for maintaining/development of relationship 17/2015
of customers with Post Office Savings Bank (POSB)
13 13/2015 107-02/2007-SB Deduction of TDS under Section 194A of Income Tax
Dt. 09.10.2015 Act 1961 (amended by Finance Act 2015) – regarding
: TDS is applicable to SCSS Interest in POSB
14 14/2015 116-15/2013-SB Change of Role of SBCO in the backdrop of
(Pt-SBCO) Dt. implementation of CBS – regarding : Abolition of
19.10.2015 SOSB at HO & SOSB staff redeployment
15 15/2015 113-02/2015-SB Mandatory use/opening of Savings Account in CBS 12/2015,
Dt. 26.10.2015 post Offtces for maintaining / development of 17/2015
relationship of customers with Post Office Savings
Bank (POSB)- further clarification to SB Order No.
12/2015 regarding : Restricted use of office A/c 0382
(Outward cheque Clearing Cr. A/c for new A/c
opening) & 0340 (Postmaster’s Cheque A/c).
16 17/2015 113-02/2015-SB -Do- 12/2015,
Dt. 17.12.2015 15/2015
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Telephone Nos. / email IDs & Escalation sheet related to CBS Finacle, DOP Networking & Anti-Virus
Contact Details CPC (Circle Processing Centre),

Designation Name , S/Shri Contact No. Email address
SPOC, Odisha Sudhansu Shekhar Tripathy 9439913805 (Mobile) [email protected]
System Administrator Kedarnath Satapathy 9439856782 (Mobile) [email protected]
System Administrator Swadhin Behera 9853185184 (Mobile) [email protected]
FSI Help Desk, CBS-CEPT, Chennai, ATM Help Desk, Network & Anti-Virus
Finacle related issues
CPC concerned For Odisha: [email protected] /
[email protected]
FSI Help Desk Infosys 18001039474 [email protected]
EOD Team Infosys [email protected]
CBS-CEPT FSI Team 044-28543481 [email protected]
DMCC Chennai 044-28524424, [email protected]
044-28524482
Dy. Manager, FSI Team, Giriraj Ponnambalam 044-28543481, [email protected]
CEPT, Chennai 09444108080 (M)
Dy. Director, CEPT V M Sakthivelu 09444227090 (M) [email protected]
ATM Related Issues
To provide ATM attach [email protected]
PO information to DTE
ATM Help Desk CPC Bangalore 18004252440; [email protected]
080-22850173
Kirtika Kapoor, IP (i/c), 9480809783 (M),
CPC, Bangalore 080-22850173
ATM Call Centre (For [email protected]
ATM transaction issue)
ATM Help Desk of M/s [email protected]
Infosys
M/s AGS (For ATM site [email protected]
related issue)
Network Related Issues
Sify Team Odisha Dinesh Mohapatra 9938984984
at O/o CPMG, Odisha Satyabrat Muduli 7894135278 [email protected]
Ashish Dash 9437070701 [email protected]
Sify Helpdesk / Fault 18603458888, [email protected] /
Booking – Link problem 044-22540985 [email protected]
NI Support Chennai [email protected]
NI Team Chennai Gurbinder Singh [email protected]
Anti-Virus (AV) & Active Directory (AD) Related Issues
Anti-Virus support TCS Ltd. 011-66076755, [email protected]
022-39189507
DOP representative for Manager, CEPT, [email protected]
AV & AD Mysore
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CBS Finacle Work Flow Process With BO Transactions-5thEdition

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CBS Finacle Work Flow Process With BO Transactions-5thEdition

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An Indicative Procedure & Guideline

Collected & Compiled at

With worthy active remarkable cooperation of

5th Edition – 12th February 2016

Email IDs of CPC Odisha:

CBS CPC (Circle Processing Centre), Odisha Contact Details

Compilers : CBS Circle Processing Centre, Odisha and WTCs, in Odisha

Difference in process: Sanchay Post and CBS Finacle - Major issues

Scheme Sequential workflow / steps of Account closure

 Account Extension / Redeposit /Reinvestment /Renewal (All schemes)

 Account Extension/Redeposit/Renewal/Reinvestment (All schemes)– Brief Procedures (see respective schemes)

 Agent Portal – Brief Menu Operations

 MPKBY Agent RD Transactions – Brief Menu Operations

 SAS Agent for CC/MIS/PPF/TD/SCSS – Brief Menu Operations

Percentage of Agent (SAS / MPKBY / PRSS Group Leader) Commission

Some Important Tips & Salient Features of APY

Accounting of the Amount

Activities are to be undertaken at different level

24. Activities are to be undertaken at Nodal Office level

25. Activities are to be carried out at authorized CBS Post Offices

 Atal Pension Yojana (APY) – Brief Menu Operations

Item APY PMJJBY PMSBY

Rejection of Cheques (In Outward & Inward Zone) – Steps to be followed

CHEQUE - INWARD CLEARING PROCESS - SEQUENTIAL OPERATION In Brief

CHEQUE - OUTWARD CLEARING PROCESS – In Brief

MICR Code in Cheque:

 Cheque - Outward Clearing – Brief Menu Operations

 Cheque – Out Station Cheque for Collection – Brief Menu Operations

Depositing the above cheque cleared amount in concerned A/c:

 Customer Information File (CIF)

 CIF – Brief Menu Operations

 Discontinued Scheme Transactions

Scheme & Remarks Scheme & Remarks

EOD completion Time as By SO By HO By CBS CPC

No. Work Items Menu Action

B. EOD (COD) / BOD in CBS Finacle: Command / Menu:

No. Work & Menu Action

D. EOD (COD) / BOD by CBS CPC: Command / Menu:

Work Items & Menu Action

Explanation for use of the screen.

Indicates EOD at the SOL started

can run HSOLCOP for the SOL.

CPC can run HSCOLD for the SOL.

Remarks & Observations:

 ECS – Brief Menu Operations

 Find out new account No. for old account No.

 Freezing of A/c – Brief Menu Operations (Also used for pledge)

Inventory Code List for POSB Cheque & KVP/NSC

 Inventory Management – Brief Menu Operations

 Issue of Duplicate Certificate & Pass Book

 Lien Maintenance – Brief Menu Operations

 NSS A/c – Brief Menu Operations

 Office A/c – Brief Menu Operations

Important Office A/cs in Finacle. For details refer FAQ of 04.10.2014

Use of following Office Accounts has been discontinued / restricted

Discontinued Scheme Office Account Description

 Other SOL Transaction (Inter SOL Transaction)

Special Circumstances / scenarios of Inter SOL Transaction:

 Payment (by Cash / Cheque / Transfer) & Repayment (Credit) A/c

 Pay, Other Bill & SB Bulk Uploading

Creation of excel file

Conversion of excel file to Finacle format

Use NregaFilanclePayment Tool provided by SDC /