Navigations and Not

 Creating Personal Customer (For Individuals)

Navigation: Customer Management  CreateCreate Personal Customer

 Creating Non Personal Customer (For Firm, Club, Trust, Company Etc.)

Navigation: Customer Management  CreateCreate Non Personal Customer

Queue is generated for transactions that need to be authorized. Queues are generally of type
“Group” that can be viewed and authorized by tellers of the same capability.

Personal Queues are available to:

 The Maker, to accept a declined transaction

 The Payment Cashier to make payment for an authorized transaction

 The Supervisor, when over-rides are required

A checker can authorize or decline a queue.

 To check whether at least 110 points requirement for KYC compliance are attained:

Navigation: Customer Management  Amend Customer Details

i. Screen for CIF number and field for selecting the change section is displayed.
ii. Input the relevant CIF number and select Identification Details from the drop down
menu.
iii. Click Transmit
iv. Check the ID details available and the points allotted.
v. If the score is below 110, add one more ID by selecting ID Type from the Type Field
dropdown list, key in the ID number and type ‘C’ in the function field.
vi. Click Transmit
vii. After the queue is authorized, check the score and repeat the steps given above if the
score is not >= 110.

 To remove STOP on the account after updating the Identification Details:

Navigation: Deposit/CC/OD Accounts and ServicesStops (Lien)/Holds/Messages

Remove Stop on Account

In the screen displayed, enter the account number that has ‘STOP’ and choose the reason ‘Correction Pending’
from the drop-down. TRANSMIT.
Get the resulting queue authorized.

To open various deposit accounts

Savings Bank or SB Account
Navigation: Deposit/CC/OD Accounts and Services CreateNew Deposit Account
In the displayed screen, enter the CIF number of the customer and TRANSMIT.

The resultant screen has 5 tabs and the screen for the ‘Core Options’ tab is displayed with the customer
details already populated.

Enter the mandatory data in the fields, choosing SB-CHQ or SB-NONCHQ in the Product field.

The Location/Term field must specify the location as Metro/Rural/etc.

Note: In most savings accounts, this screen alone is required to be completed. There are types of accounts
that may require completing data under the other tabs.

TRANSMIT and get the queue authorized. A 10 digit account number is generated if there are no errors.

To create a joint SB account

The steps to be done are:

i. Attach the new CIF to the SB account created.

ii. Change Account Name so that the F7 screen reflects both the names or all names (if more than 2
joint account holders)
iii. Change the mode of operation.

Create CIF number(s) for the customer(s) who will join the SB account.

To attach this CIF number to the SB account:

Navigation: Customer ManagementCreateLink CIF to Account

In the screen that is displayed, Choose ‘Add’ option.

Enter the new CIF and in the Account Number field, enter the SB account number that will become a joint
account.

TRANSMIT and get authorized.

To change Account Name:

Navigation: Deposit/CC/OD Accounts and ServicesAmendDeposit Account

In the screen displayed, enter the Account number and then select “5.Account Name” from the dropdown
list in the next field.

Update the names in the screen now displayed and TRANSMIT.

To change the mode of operation:

Navigation: Deposit/CC/OD Accounts and ServicesAmendDeposit Account

In the screen displayed, enter the Account number and then select “B. Mode of Operation” from the
dropdown list in the next field.

In the screen displayed, change the value from 0 to 1 alongside the selected Mode of operation and
TRANSMIT.

Check the result with F7.

Note: Similarly, SB account for a minor operated by Guardian is opened using the minor’s CIF to open the
account.
To fund the accounts created:

i. Open the Cash Drawer using the icon on the Ribbon.

ii. Navigation for Receiving Cash: Transaction PostingDeposit/CC/OD Accounts
ReceiptsCash
iii. In the screen displayed, enter the Account number, and Amount.
iv. Enter denominations in “Denom.In” column so that the total equals the amount and TRANSMIT.
v. In the next screen, the cash drawer is displayed, check that the Give/Receive field has 0 and then
TRANSMIT.

To make payments from an account:

i. Navigation: Transaction PostingDeposit/CC/OD AccountsPaymentsCash

ii. In the screen displayed, enter the Account number, and Amount.
iii. In the cash drawer screen, enter denominations in “Denom. Out” column so that the total equals
the amount to be paid and TRANSMIT.
iv. Check that the Give/Receive field has 0 and then TRANSMIT.

Current Account for a firm:

Navigation: Deposit/CC/OD Accounts and Services CreateNew Deposit Account

In the displayed screen, enter the non-personal CIF number of the firm and TRANSMIT.

The resultant screen has 5 tabs and the screen for the ‘Core Options’ tab is displayed with the customer
details already populated.

Enter the mandatory data in the fields, choosing CA in the Product field.

The Location/Term field must specify the location as Metro/Rural/etc.

TRANSMIT and get the queue authorized. A 10 digit account number is generated if there are no errors.

Further steps:

For a proprietary firm:

Link the proprietor’s CIF to the Account.

Change Mode of operation in CA as Proprietor

Relate the CIF of the proprietor to the non-Personal CIF of the firm.

For a Partnership firm:

Link the CIF of the Partners to the CA

Change Mode of Operation

Relate the CIF of the partners as Partners to the Firm’s CIF

Relate the CIF of Partners as Signatories to the Account

 Relating A Customer As Introducer To Another Customer

Navigation: Customer Management  Relationships/Ownerships.

i. Click on Relationships
ii. Screen CIF: Relationship Amend/Enquiry is displayed
 iii.Select ‘Add’ from the drop down menu
iv. Input CIF of the introducer
v. Select Customer Master as the Entity
vi. Select Introducer as the Relationship Required
vii. Click Transmit
viii. In the screen next displayed, input the CIF number of the customer being
introduced
ix. Select Customer Master as the Entity
x. Click Transmit
xi. Get the queue authorized

Use these steps to create relationships like Partner, Director, Nominee, Signatory, etc. Take
care to select the correct entity type which will depend on whether CIF number or Account
number is the input for Entity field.

 Amend/Enquire option can be used to verify the relationships created.

 To make a relationship Inactive:
i. Use the Amend/Enquire option
ii. Identify the relationship that you want to modify in the screen displaying the
relationships
iii. Enter the serial number of that relationship in the relevant box on the screen
iv. Click Transmit
v. Select Inactive from the dropdown list displayed in the Status field
vi. Click Transmit
vii. Get the resulting queue authorized
 To check the CIFs linked to an account:

Navigation: Customer ManagementRelationships/OwnershipAssociated Accounts

In the screen displayed, enter the account number and from the dropdown list in the next field, choose
‘Account holder(s)’, then TRANSMIT.

The resultant screen displays the CIFs that are linked to the account.

To check the CIFs that are related to an account:

Navigation: Customer ManagementRelationships/OwnershipRelationships

In the screen displayed, enter the account number, the entity type and ‘ALL’ in the Relationship Type.

The resultant screen displays a list of the CIFs and their relationship to the Account.

Relationship Entity 1 Entity 1 Entity 2 Entity 2

Type Type

Proprietor CIF of CUS CIF of CUS

Proprietor Proprietorship

Partner(s) CIF of CUS CIF of Partnership CUS

Partner(s)

Signatory CIF of CUS A/C Number DEP

Signatory

Introducer CIF of CUS CIF of A/C Holder CUS

Introducer

Nominee to one CIF of CUS A/C Number DEP

A/C Nominee

Nominee to all CIF of CUS CIF of A/C Holder CUS

A/Cs Nominee

Term Deposits: FD/RIP/RD/VRD

Navigation: Deposit/CC/OD Accounts and Services CreateNew Deposit Account

In the displayed screen, enter the CIF number of the customer and TRANSMIT.

The resultant screen has 5 tabs and the screen for the ‘Core Options’ tab is displayed with the customer
details already populated.

Enter the mandatory data in the fields, choosing FD/RIP/RD in the Product field.

 The Location/Term field must specify the term of the deposit. For example 18mths <= 3 years.
 Appropriate option from the dropdown list needs to be selected for the Interest Payment Method
field.
 RIP/RD/VRD require Reinvest while FD requires Transfer with an account number/DD/etc.

The tab ‘Term A/c Options’ is selected next and the required fields need to be completed.

 Term Basis must be ‘Days’ for FD/RIP and ‘Months’ for RD/VRD.
 Term Deposited is the amount of deposit and is entered only for FD/RIP.
 RD Expected Instalment is entered for RD/VRD.
 Interest Frequency is on ‘Maturity’ for RIP/RD/VRD and ‘Anniversary Monthly/Quarterly’ for FD.
 Term Days/Months/Years has to be entered to indicate the exact period of the deposit. This should be
within the range selected in the Location/Term field of the ‘Core Options’ screen.

Note: Term Days cannot be >31 and Term Months cannot be >12.

For VRD, choose Variable RD from the dropdown in the Type Field.

TRANSMIT and get the queue authorized. A 10 digit account number is generated if there are no errors.

Deposit Modeller can be used to find out Interest Rate, Maturity Date, Maturity Amount for a proposed
term deposit of given period and amount.

Setting Hold/ Lien/STOP on accounts

Navigation: Deposit/CC/OD Accounts and Services Stops/Holds (Lien)/MessagesSet Hold/Lien

In the screen displayed, enter the account number, Hold amount, and select the reason for the Hold from
the dropdown list. This is usually ’03: Others’.

To find out the Journal number of the Hold and other Hold details

Navigation: Deposit/CC/OD Accounts and ServicesEnquiriesTransaction

In the screen displayed, enter the Account number and select ’31 Hold’ from the dropdown list for the
field ‘Transactions of this Type’. TRANSMIT.

The resulting screen displays the details of the Hold.

The journal number, date and amount of Hold are essential in the Remove Hold screen.

Navigation: Deposit/CC/OD Accounts and Services Stops/Holds (Lien)/MessagesRemove Hold/Lien

Creating Messages for accounts and setting STOP on accounts

Navigation: Deposit/CC/OD Accounts and Services Stops/Holds (Lien)/Messages

The appropriate option under this has to be selected.

For creating a message, in the screen displayed, enter the Account number, the message number, and the
text of the message. TRANSMIT.

For creating a STOP, in the screen displayed, enter the Account number, Reason for STOP, TRANSMIT.

STOP and Messages can be removed by selecting Remove option from the menu.

Journal numbers and other details are available in Transaction Enquiry:

Navigation: Deposit/CC/OD Accounts and ServicesEnquiriesTransaction

 In the screen displayed, enter the Account number and select ’STOP’ or ‘Message details’ from the
dropdown list for the field ‘Transactions of this Type’. TRANSMIT.

Creating Standing Instructions

Navigation: Deposit/CC/OD Accts & ServicesStanding Orders/Sweep Create Standing Orders
Enter the account number from which SI amount will be debited.
Enter ‘S’ alongside the SI option to select it and TRANSMIT.
Enter the Amount, Date from which SI has to commence.
Enter the Frequency Type as ‘Daily’ or ‘Monthly’ and appropriate frequency—this will be the number of
times that the SI has to be run.
TRANSMIT and get authorized.

The SI can now be Amended or an Enquiry can be done, by entering ‘S’ alongside ‘Enquire/Amend’ option
in the Create Standing Order screen.

In the Amend screen, the SI can be modified or deleted by entering ‘M’ or ‘D’ respectively in the empty
first box of an SI.

ATM issue and enabling ATM

Navigation: Customer Management ATM Card Issue Request

Deposit/CC/OD Accts and ServicesAmendUser Codes

Change ‘0’ to ‘1’ in the field ‘No ATM Access’. TRANSMIT.

Get the transaction authorized.

In the Card Issue Request screen, verify the customer details and select Rupay Card/ Maestro Card, mode
of receiving PIN, complete the screen with required details.

Internet Banking/Mobile Banking/Phone Banking

Navigation: Customer Management Amend Miscellaneous Details

Enter the email address(es) in the fields and select the access channels that the customer has opted for.

To personalise cheque books

Navigation: Cheque Book FunctionsCheque Book Operations Cheque Book Personalisation

To print a passbook

Navigation: Deposit/CC/OD Accts & ServicesPassbook Updates Print New Passbook

Update Deposit Passbook

To upload signature

Navigation: Image Maintenance Upload Images

Closure of Deposit Accounts

Before closing an account, Standing Instructions, Holds, STOP, Messages, have to be removed
after verifying that they are not required.
Unused cheque leaves, if any, must be returned by the customer and the ATM facility, if any,
should be disabled in the system.

Navigation: Deposit/CC/OD Accounts & Services -> Amend -> User Codes

Change ‘1’ to ‘0’ in the field ‘No ATM Access’. TRANSMIT.

Get the transaction authorized.

Navigation: Transaction Posting -> Deposit/CC/OD Account Closures -> Closure (Credit
Balances)

Select Cash / Transfer / DD as required and complete the details on the screen displayed.
TRANSMIT. Get the transaction authorized.

NEFT

Navigation: NEFT MessagesCreate Outgoing Messages (Cash)/ (Cheque) / (Transfer)

Enter the details in the respective screen displayed.

Click ‘Commission’ to get the commission screen.
Click ‘Verify Amount’ and the ‘Transmit’ is enabled.
Get the queue authorized.
The UTR number is generated.
RTGS

Navigation: RTGS MessagesCreate Outgoing Messages (Cheque) / (Transfer)

Enter Message Type: R41: Customer Payment
or R42: InterBank Payment
Enter the details in the respective screen displayed.
Click ‘Commission’ to get the commission screen.
Click ‘Verify Amount’ and the ‘Transmit’ is enabled.
Get the queue authorized.
The UTR number is generated.