Finacle 10 - Train The Trainer Guide India Post Payments Bank

Finacle Train The Trainer Document – Ver. 1.
FINACLE 10 –
Train The Trainer Guide
India Post Payments Bank
Prepared by : PETER ALEN

Last updated : 19/02/2018
pg. 1
Finacle Train The Trainer Document – Ver. 1.0
Table of Contents
1. INTRODUCTION...................................................................................................................................4
2. ACCOUNT OPENING.............................................................................................................................5
1. eKYC Account Opening – New Customer (CKYCACOP)....................................................................5
2. eKYC Account Opening – Existing Customer (CACOP)......................................................................9
3. Non-eKYC Account Opening (TBD).................................................................................................11
4. Business Account Opening – Lead Capture (CSRM).......................................................................12
5. Business Account Opening (TBD)...................................................................................................12
3. CUSTOMER/ACCOUNT MAINTENANCE.............................................................................................12
1. CASA Closure Request Capture (CSRM).........................................................................................12
2. CASA Closure (HCAAC)...................................................................................................................13
3. Aadhaar Seeding Maintenance (CAAS)..........................................................................................14
4. Customer Maintenance (CAACLM)................................................................................................14
5. Account Maintenance (CAU).........................................................................................................15
6. Channel Registration Menu (CCRG)...............................................................................................16
7. Payee Registration Maintenance (CPAYEE)....................................................................................17
8. Signature / Photo Maintenance (SVS)............................................................................................17
9. A/c Freeze Status Maintenance (HAFSM)......................................................................................17
10. A/c Lien Maintenance (HALM)...................................................................................................18
11. Stop Payment Processing (HSPP)...............................................................................................18
12. Standing Instruction Maintenance (HSIM/HSSIM).....................................................................19
13. Service Request Management (CSRM)......................................................................................20
14. Doorstep Banking Request Management (CDRM).....................................................................22
15. Account Ledger Inquiry (HACLINQ)............................................................................................23
16. Financial Transaction Inquiry (HFTI)...........................................................................................24
17. Adhoc Account Statement Print (HPSP).....................................................................................24
18. Office Account Ledger Print (HACLPOA)....................................................................................25
pg. 2
4. TRANSACTIONS..................................................................................................................................27
1. eKYC Accounts...............................................................................................................................27
1. Cash Deposit..............................................................................................................................30
2. Cash Withdrawal........................................................................................................................30
3. Transfer Within IPPB Accounts..................................................................................................30
4. NEFT Outward............................................................................................................................31
5. RTGS Outward...........................................................................................................................31
6. IMPS Outward............................................................................................................................31
7. Adhoc Sweep In.........................................................................................................................31
8. Adhoc Sweep Out......................................................................................................................31
2. Non eKYC Accounts........................................................................................................................31
1. Normal Cash Receipt..................................................................................................................31
2. Normal Cash Payment...............................................................................................................33
3. Transfer within IPPB..................................................................................................................35
3. Other bank customer Transactions................................................................................................36
1. AEPS Cash Deposit.....................................................................................................................36
2. AEPS Cash Withdrawal...............................................................................................................37
4. Recovery of Charges at branches...................................................................................................37
3. General Charges........................................................................................................................37
5. REPORTS............................................................................................................................................39
1. Financial Transactions Report...................................................................................................39
2. Interest Report for Accounts....................................................................................................40
3. SI Inquiry...................................................................................................................................42
6. TROUBLE SHOOTING.........................................................................................................................43
1. User Login – Security Certificate Error...........................................................................................43
7. COMMONLY USED MENU FUNCTIONS..............................................................................................46
8. Support Contact Numbers and Emails...............................................................................................49
pg. 3
1. INTRODUCTION
Payments banks is a new model of banks conceptualized by the Reserve Bank of India (RBI). These banks
can accept a restricted deposit, which is currently limited to ₹1 lakh per customer and may be increased
further. These banks cannot issue loans and credit cards. Both current account and savings accounts can
be operated by such banks. Payments banks can issue services like ATM cards, debit cards, net-banking
and mobile-banking. Bharti Airtel set up India's first live payments bank.
The India Post Payments Bank (IPPB) has been incorporated as a public sector company under the
Department of Posts with 100% GOI equity.
IPPB is offering demand deposits such as savings and current accounts up to a balance of Rs 1 Lac,
digitally enabled payments and remittance services of all kinds between entities and individuals and also
provide access to third-party financial services such as insurance, mutual funds, pension, credit
products, forex, and more, in partnership with insurance companies, mutual fund houses, pension
providers, banks, international money transfer organizations, direct benefit transfer, etc.
IPPBs objective is the last mile financial inclusion and connectivity to the remotest parts of the
country with institutional finance for its people.
MD & CEO of India Post Payments Bank - Suresh Sethi
Besides India Post, other payments banks that are currently operational in India include Airtel Payments
Bank, Paytm Payments bank, and Fino Payments Bank.
In January 2015, it was announced that the Indian government was considering a legislature, to finalize
the setting up of the bank, following which a banking license would be applied for at the Reserve Bank of
India. On 28 February 2015, during the presentation of the Budget, it was announced that India
Post will use its large network to run a payments bank.
India Post has about 1,54,000 post offices, of them 90% are in rural areas. There is one post office for
every 7176 people in India. India Post also has 2,96,000 agents in the rural area.
The total expenditure involved in this project is Rs 800 Crore. All citizens, especially 40% of the country’s
population that is outside the ambit of formal banking in the country will benefit from this project. The
project will be rolled out in the entire country in a phased manner.
 IPPB incorporated as a public sector company under the Department of Posts, Govt. of India on 17
August 2016
 First branch of IPPB inaugurated on 30 January 2017 at Raipur and Ranchi. This is release 1
 Release 2 is proposed to open 650 branches by April/May 2018 where EIT/DXC is working as SI.
 IPPB branches would reside in POSB premises with modified look and feel.
 All of the post offices and their agents would act as the access points linked to one of the 650
branches and facilitate banking operations from their premises / customer doorstep.
Concept video:
https://www.youtube.com/watch?v=8UFMI0RcP38
pg. 4
2. ACCOUNT OPENING
1. eKYC Account Opening – New Customer (CKYCACOP)
Menu : CKYCACOP
pg. 5
Screen 1
In this screen, following data would be captured and validated online:
1. Mobile number (Mandatory) – Account cannot be opened without a valid mobile number
a. Mobile would be deduped to check not >5 customers have same mobile number.
b. Mobile would also be validated using OTP.
2. Aadhaar Number (Mandatory)
a. Customer dedupe would be performed using Aadhaar.
3. POSB Account Number (Mandatory for Existing DOP Customers)
a. To be validated online with DoP. Online validation is planned towards the end of the
account opening process.
At this stage, customer biometric would be captured and eKYC check would be initiated online.
pg. 6
Screen 2
With the eKYC fetch, Customer Name, Gender, DOB and Permanent Address would be auto-populated
in this screen as un-editable elements.
User to proceed with capture of rest of the customer fields, communication address, PAN or Form 60
data.
User to select the product, statement details, nomination details related to account.
Further, initial deposit amount to be filled up. As of now, only cash is the only accepted mode of
payment.
If the customer is an existing POSB customer and the POSB account number is captured at screen 1, it
would be auto-populated in field sweep out account number. Wherever sweep out account number is
available, during operations, IPPB would not impose a balance restriction to the tune of INR 100,000
(across accounts of same customer). Excess balance over and above INR 100,000 would be debited
during EOD and the same would be transferred to linked POSB account.
User to capture channel registration requests at this stage for IB, MB, Doorstep banking, IVR, SMS
banking and Missed Call Banking.
If customer wishes to seed Aadhaar with this account for receiving DBT remittances, then ‘Seed
Aadhaar’ flag should be updated to Y and IIN of current bank where Aadhaar already seeded is to be
captured. If customer does not remember current bank where Aadhaar is seeded, then this could be
inquired using USSD code *99*99*1#
If the customer is seeding the account for the first time, then IIN of IPPB to be captured.
At this stage, one welcome kit with QR Card would be earmarked for the account and the bar code
appearing on the welcome kit (same as QR Card number) would be captured in the field ‘QR Card Bar
Code’.
There are various consents to be obtained from the customer, associated with the opening of account,
linking the POSB account, Aadhaar authentication etc. This needs to be explained to the customer by the
user before final consent for opening the account using Aadhaar + Biometric.
Once all the data capture is completed, then final consent is to be obtained using Aadhaar + Biometric.
At this stage, account dedupe (one customer one SB and one CA only) would be initiated first, followed
by online AML check, online POSB account validation with DoP (for existing POSB customers) resulting in
CIF creation and Account opening.
pg. 7
pg. 8
Screen 3
2. eKYC Account Opening – Existing Customer (CACOP)

Menu : CACOP
One customer is allowed to open only one SB and one CA account only. Sum total of the account
balances to be restricted to INR 100,000 if no linked POSB account is available and updated with the
account.
Since CIF is already available, input of CIF ID or Aadhaar number is mandatory to proceed with when
customer data would be auto-populated by the system.
User to proceed with account selection and update account data, initial deposit data, Aadhaar seeding
data, channel registration data, welcome kit bar code.
Once all the data capture is completed, then final consent is to be obtained using Aadhaar + Biometric.
At this stage, account dedupe (one customer one SB and one CA only) would be initiated first, followed
by online AML check, online POSB account validation with DoP (for existing POSB customers) resulting in
CIF creation and Account opening.
Screen 1
pg. 9
Screen 2
pg. 10
Screen 3
3. Non-eKYC Account Opening (TBD)

Menu : TBD
If a customer not having Aadhaar is approaching branches to open CASA account, it should be fulfilled
through this route. It is mandatory that the customer should have Aadhaar Enrolment Number to open a
non eKYC account, apart from a valid mobile number. If Aadaar Enrolment is not done yet, then the
customer should be directed to visit any of the Aadhaar Enrolment Centre along with any UIDAI
approved POI or POA document and complete the formality first, before s/he could proceed with non
eKYC account.
Customer would be requested to fill up a physical application and submit physical copies of one of the
OVDs (officially valid documents) for POI and POA along with original for verification. Following are the
list of POI / POA for IPPB account opening. Submission of photo and capture of signature are mandatory
as the account operation would be performed using instructions signed and authorized using signature,
unlike Aadhaar. User opening the account should scan all the physical forms collected from the
customer and upload to DMS application, post account is opened. Photo and signature to be scanned
and uploaded to Finacle SVS.
Following are the accepted POI / POA for IPPB:
1. Pan card- POI

2. Passport-POI & POA
3. Driving license-POI & POA
4. Voters Identity card-POI or POA (only one allowed)
5. Job card issued by NAREGA Duly signed by an officer-User to confirm
6. Aadhaar-POI & POA
pg. 11
It is envisaged that Government would be mandating opening of an account only with a valid Aadhaar
number, starting April 2018. If this is mandated, then this functionality would become redundant.
Screen layout would be similar to eKYC account opening second screen. User to update data under
customer, documents, account, transaction and miscellaneous section and open the account.
As a policy decision, non eKYC account opening would be offered only from one of the 650 co-located
IPPB branches. This is also a means to discourage non eKYC accounts.
4. Business Account Opening – Lead Capture (CSRM)

Menu: CSRM
For every business account opening (only proprietorship accounts in scope for release 2), it would be
performed in multiple steps as below:
1. Lead capture (as of now CSRM menu in CBS would be enabled for the same. From release 3
onwards, this functionality would be offered from CRM application)
2. Lead assignment to a GDS.
3. Doorstep KYC verification by GDS and photo capture of the premises.
4. Doorstep collection of application and POI/POA documents by GDS.
5. eKYC validation of Proprietor Aadhaar by GDS.
6. Minimum data capture and document scanning by GDS.
7. Logging the request for opening the account with CBS by GDS and generating a request ID.
8. Crediting the initial amount in a parking account.
9. Submission of physical application and documents with associated GDS HO/SO
10. Opening of business current account opening by associated HO/SO.
5. Business Account Opening (TBD)

Menu: TBD
Once GDS lodges the request, a request ID would be assigned to the request. Once GDS submits the
physical documents with associated HO/SO, the user at HO/SO would retrieve the details using the
request ID as the key and proceed with updating rest of the details related to the business firm,
proprietor, documents, accounts, miscellaneous and complete the account opening. Initial deposit
would be now transferred from parking account to the customer account procedurally.
3. CUSTOMER/ACCOUNT MAINTENANCE
1. CASA Closure Request Capture (CSRM)

Menu: CSRM
pg. 12
Authentication mode: Aadhaar + Biometric
For every CASA closure, a request has to be captured first and assigned to CPC department. As part of
request capture, user should record whether only IPPB account to be closed or even POSB account to be
closed. Mode of remittance of closure proceeds also to be recorded for every closure request.
CPC would contact the customer and take efforts to convince the customer to continue with the
account. In the event, the account is to be closed, user would perform the same using HCAAC product
menu for IPPB account. For closure of linked POSB account, a request would be sent to DOP (process yet
to be finalized)
2. CASA Closure (HCAAC)

Menu : HCAAC
Authentication mode: Not applicable
For closing IPPB accounts, CPC would use HCAAC menu and complete the activity.
Entire process flow to be revalidated again as we do not have clarity on cases where customer request
cash as closure proceeds or transfer of proceeds to another bank.
pg. 13
3. Aadhaar Seeding Maintenance (CAAS)

Menu : CAAS
Aadhaar seeding is enabled at the time of account opening itself as mentioned under eKYC account
opening.
If a customer approaches branches for seeding aadhaar with IPPB account, post account is opened, it
would be performed using CAAS menu. As per new regulation, banks are required to send the IIN
(Institution Identification Number) of the current bank where Aadhaar is already seeded by the
customer. If incorrect IIN is sent, the request would be rejected by NPCI. Hence user may choose to first
validate the current institution name using USSD command *99*99*1#. Using IIN searcher in menu
CAAS, user could select correct IIN and lodge the request.
For customers where seeding is performed for the first time, user may select IPPB IIN during Aadhaar
Seeding.
4. Customer Maintenance (CAACLM)

Menu : CAACLM
This custom menu is designed to provide a quick update option of the customer properties, without
visiting Finacle CRM module. Following customer properties could be edited using this menu.
a. Address (Communication)
b. Mobile
c. Email
d. PAN
pg. 14
For updating Permanent address, customer should make changes in Aadhaar data base first and then
approach India Post.
For updating mobile, OTP based validation would be required apart from mobile dedupe check
For updating PAN, online validation of PAN with NSDL would be required.
5. Account Maintenance (CAU)

Menu : CAU
This custom menu is designed to provide a quick update option of the account properties, without
visiting Finacle product menu, HACM.
a. Mode of Operation
b. Account statement related properties
c. Account status
d. Interest related parameters
e. Sweep out account number
f. QR Card linkage/replace
g. Nominee
For update of sweep out account number, online validation with POSB would be required.
pg. 15
6. Channel Registration Menu (CCRG)

Menu : CCRG
This custom menu is designed to update following 6 channel registration with ease for existing accounts.
1. Doorstep banking
2. Internet Banking (IB)
3. Mobile Banking (MB)
4. IVR
5. SMS Banking
6. Missed Call Banking
7. Payee Registration Maintenance (CPAYEE)

Menu : CPAYEE
pg. 16
This custom menu is designed to manage registered payees for existing accounts for following payment
systems. Selection of registered payees enabled at respective outward payment menus.
1. NEFT
2. RTGS
3. IMPS
4. AEPS
8. Signature / Photo Maintenance (SVS)

Module : SVS
Signature capture is not in the scope of eKYC savings accounts as authentication is done through
Aadhaar + Biometric route and no cheque book issued to customers.
Signature capture might be in scope for eKYC individual current accounts, if bank decides to issue
cheque books to such accounts. However, decision is yet to be made.
For non eKYC accounts and business current accounts, signature and photo should be obtained as part
of account opening documentation. As per procedure, user who opened the account should scan the
same using scanner available in DOP office and upload the signature and photo to Finacle using SVS and
link with the newly opened account. This could be done as an outside the business hours activity as
practiced by traditional banks.
9. A/c Freeze Status Maintenance (HAFSM)

Menu : HAFSM
Functions: Freeze / Unfreeze / Inquire / Verify / Cancel
Product menu HAFSM would be used to perform the activities of Freeze/Unfreeze.
For accounts which are detected as AML positive, it has been decided to go ahead with account opening,
but freeze immediately. AML department would review the same before a decision is made to either
unfreeze and operate or close permanently.
pg. 17
10. A/c Lien Maintenance (HALM)

Menu: HALM
Functions : Add / History / Inquire / List / Modify / Verify / Cancel
Product menu HALM would be used to perform account lien related operations.
11. Stop Payment Processing (HSPP)

Menu: HSPP
Functions : Stop pay / Revoke Pay / Inquire
Product menu HSPP would be used to perform cheque stop/revoke payment related operations.
pg. 18
12. Standing Instruction Maintenance (HSIM/HSSIM)

Menu: HSIM / HSSIM
Simple standing instructions (debit and credit accounts are within IPPB itself) could be created using
HSSIM menu.
Simple and complex standing instructions (debit IPPB account and credit accounts outside IPPB through
NEFT/RTGS) could be created using HSIM.
pg. 19
13. Service Request Management (CSRM)

Menu : CSRM
Authentication mode: Not applicable except for CASA closure request capture
Functions : Add / Modify / Inquire
Types : SR – Service Request / CR-Complaint Request / LM – Lead Management
pg. 20
This custom menu is developed in CBS in the absence of CRM application not part of Release 2. This
menu is designed to handle 3 types of requests as mentioned above. Current modules and sub modules
are listed below.
Screen 1 – Select Type
Screen 1 – Select Module
Screen 1 – Select Sub Module
pg. 21
Screen 2 – Details page
List of SRs / CRs (as on 31/01/2018)
14. Doorstep Banking Request Management (CDRM)

Menu : CDRM
Authentication mode: Aadhaar + Biometric / Customer identification over call centre
Functions : Add / Modify / Cancel / Close / Inquire / List
As part of account opening, 6 different types of channel registrations would be captured, one among
them is ‘Doorstep Banking’. If the customer is registered for Doorstep banking, customer could request
for Doorstep banking 48 hrs ahead and not beyond 10 days. Request could be placed through branches,
GDS and Call centre.
pg. 22
Menu, CDRM would be used by branches and Call centre. Whether only customer can request for
doorstep banking always or a proxy with proper authentication could be allowed to capture this request
is still under debate.
As part of request capture, following data would be captured by the user:
1. Account number
2. Address with pin code (auto-populated)
3. Mobile number (auto-populated)
4. Service Type (Account opening, Cash Deposit & Cash Withdrawal)
5. Date (not later than 10 days)
6. Time window (Min 48 hours ahead)
As part of request management, every request would be assigned to a GDS based on the PIN Code,
manually. Provision would be made available for GDS to view requests assigned to him/her. This is a
chargeable service.
Criteria Page
Details page where customer data gets auto-populated based on account number
pg. 23
Details page – User to update Service Details and submit request.
15. Account Ledger Inquiry (HACLINQ)

Menu : HACLINQ
Product menu HACLINQ is used to perform this activity.
16. Financial Transaction Inquiry (HFTI)

Menu : HFTI
Product menu HFTI is used to perform this activity.
pg. 24
17. Adhoc Account Statement Print (HPSP)

Menu : HPSP
Product menu HPSP would be used to print Adhoc pass sheet for an account. Event should be selected
as ‘Duplicate’. If no transactions are there during the period selected, no statement would be generated,
unless value for ‘Print details when no transactions’ is selected as Yes.
Once statement is generated, user to print the same using HPR menu.
pg. 25
Menu: HPR
18. Office Account Ledger Print (HACLPOA)

Menu : HACLPOA
Authentication mode : Not applicable
Product menu HPSP would be used to generate statement of office accounts like cash account, parking
suspense account etc.
Menu: HPR
pg. 26
4. TRANSACTIONS
1. eKYC Accounts
Menu: CTM
Since eKYC accounts are opened with Aadhaar linkage, customer authentication and transaction
authentications are to be done using Aadhaar + Biometric. Whenever a customer walks into a branch
and request for any transaction, customer should be authenticated first using Aadhaar + Biometric.
pg. 27
Custom menu CTM is created combining multiple transactions menu under one menu. First level
authentication (entry check) could be performed using Aadhaar number / QR card number / Mobile
numer / Customer ID + Biometric. Once authentication is successful, accounts under aadhaar linked
main CIF would be displayed.
Step 1: Select Authentication Type (CIF ID / QR Card / Aadhaar Number)
pg. 28
Step 2: CIF ID selected as Authentication Type and click on ‘Fetch Customer Details’
Step 3: Customer Data Fetched using CIF ID – Capture Biometric
Step 4: Aadhaar + biometric data validated successfully from UIDAI – Click on Go to proceed
pg. 29
Step 5: Display of customer relationship details with choice for Transaction Type Selection
1. Cash Deposit
Repeat step 1 to 5. Select the credit account from the relationship summary, click on Cash Deposit
menu, input amount and click on Authorize when capture of biometric would be triggered for
authentication. Upon successful authentication, transaction posting would be initiated and tran ID
would be displayed to the user.
As per HSCFM set up, cash account would be derived and the contra leg would be posted to Teller
Account.
If the deposit amount is >50,000, system would mandate Form 60 collection, if customer has not
submitted PAN at the time of account opening. User to check Form 60 Collected flag to Yes and proceed.
Step 6: Choose Transaction type as Cash Deposit – Select Credit account, amount and click Authorize
pg. 30
Step 7: Capture biometric and initiate Aadhaar authentication
Step 8: Successful authentication would invoke transaction commit and tran ID would be generated
2. Cash Withdrawal
Repeat step 1 to 5. Select the debit account from the relationship summary, click on Cash Withdrawal
menu, input amount and click on Authorize when capture of biometric would be triggered for
authentication. Upon successful authentication, transaction posting would be initiated and tran ID
As per HSCFM set up, cash account would be derived and the contra leg would be posted to Teller
Account.
3. Transfer Within IPPB Accounts

Repeat step 1 to 5. Select the debit account from the relationship summary, click on Fund Transfer
menu, select/input credit account id, input transfer amount and click on Authorize when capture of
biometric would be triggered for authentication. Upon successful authentication, transaction posting
would be initiated and tran ID would be displayed to the user.
pg. 31
Only one debit and one credit would be allowed using this menu.
4. NEFT Outward
Repeat step 1 to 5. Select the debit account from the relationship summary, click on NEFT menu, input
credit account id, IFSC code, remittance amount and click on Authorize when capture of biometric would
be triggered for authentication. Upon successful authentication, transaction posting would be initiated
and tran ID would be displayed to the user.
Minimum amount INR 1, maximum amount INR 200,000.
5. RTGS Outward
Repeat step 1 to 5. Select the debit account from the relationship summary, click on RTGS menu, input
credit account id, IFSC code, remittance amount and click on Authorize when capture of biometric would
be triggered for authentication. Upon successful authentication, transaction posting would be initiated
and tran ID would be displayed to the user.
Minimum amount INR 200,000, maximum amount INR 500,000.
6. IMPS Outward
There are 3 different types of payments – P2P (using MMID), P2A (Account + IFSC), P2U (Aadhaar
based).
Repeat step 1 to 5. Select the debit account from the relationship summary, click on IMPS menu, input
MMID for P2U mode, input credit account id & IFSC code for P2A mode, input Aadhaar number for P2U
mode. Input remittance amount and click on Authorize when capture of biometric would be triggered
for authentication. Upon successful authentication, transaction posting would be initiated and tran ID
Minimum amount INR 5, maximum amount INR 200,000.
7. Adhoc Sweep In
Customers with linked POSB account can opt for this functionality to transfer amount from their POSB
account to linked IPPB account. From account would be auto-populated based on the credit account
selected from the relationship summary. Clicking on Authorize button would initiate biometric capture
and online authentication. Upon successful authentication, online call would be made to POSB with
request for inward transfer and IPPB account would be credited online.
8. Adhoc Sweep Out

This is reverse functionality of Sweep in.
2. Non eKYC Accounts

1. Normal Cash Receipt
Menu: HCASHDEP
Function : Add
Trans Type / Tran Sub Type : C/NR (Cash/Normal Receipt)
Press GO
pg. 32
When non eKYC customers walk into branches for deposit cash into IPPB CASA account, this function
would be used.
Credit Account : Customer account

(Based on the account number mentioned in the deposit slip submitted by the customer)
Debit Account : Would be derived by the system default, based on the teller + currency combination.
After entering required information at credit part tran level, POST the transaction when Tran ID would
be displayed by the system. Transaction would be auto-verified.
In case the user performing the transaction does not have a Teller Cash Account attached to the
employee, error ‘The cash account for the entered currency is not available’ would be displayed to the
user as below.
Note: During posting of the transaction, as per the set exception codes at scheme level / customizations,
system might raise over-ridable or non-over-ridable exceptions. If the exception is over-ridable, type
pg. 33
would appear as EXCEPTION with Accept/Cancel button below. User may choose to Accept and proceed
or Cancel and exit.
If the work class of the exception is above user work class, then, type would appear as ERROR and user
will not be able to over-ride the same and move on with posting the transactions.
2. Normal Cash Payment

Menu : HCASHWD
Function : Add
Trans Type / Tran Sub Type : C/NP (Cash/Normal Payment)
Press GO
When non eKYC customers walk into branches for withdrawal cash from IPPB CASA account, this
function would be used.
For Savings accounts where cheque book is not issued, cash withdrawal voucher available in the
branches would be used. Non eKYC customer has to mandatorily walk into the branch for cash
withdrawals from savings accounts.
For Business current accounts, since cheque book is issued to customers, withdrawal could be done by
accounts holders or 3rd parties. In this case, cheques should mandatorily be used for withdrawals, unlike
in the case of savings accounts.
Debit Account :. Customer Account.

Credit Account : Would be derived by the system default, based on the teller + currency combination.
pg. 34
Use may choose to click on the signature view link adjacent to account id. User could choose to click on
the Signature/Photograph image to enlarge the same and view in details.
Clicking on Submit button would redirect the user back to transaction screen.
pg. 35
After entering required information at credit part tran level, POST the transaction when Tran ID would
be displayed by the system. Transaction would be auto-verified.
In case the user performing the transaction does not have a Teller Cash Account attached to the
user/employee, error ‘The cash account for the entered currency is not available’ would be displayed to
the user as below (not applicable for branch 0660 – Currency Chest)
Note: SVS module in Finacle could be used to inquire on any signatures against CIF ID or Account ID.
3. Transfer within IPPB

Menu : HXFER
Function : Add
pg. 36
Trans Type / Tran Sub Type : T/CI (Transfer/Customer Induced)

Press GO
When savings customers walk into branches and initiate transfer between accounts, they would be
using transfer vouchers available at the branches as cheque books are not issued to savings accounts.
These kind of transfers would be instantly done by branch staff using following function.
Debit Account :. Debit Customer Account

Credit Account : Credit Customer Account
User may choose to click on the signature view icon adjacent to account number for signature view of
the debit account. User could choose to click on the Signature/Photograph image to enlarge the same
and view in details. Clicking on Submit button would redirect the user back to transaction screen.
After entering required information at the debit part tran screen, POST the transaction.
3. Other bank customer Transactions

1. x Cash Deposit
Menu: HAEPS
Request Type: Cash Deposit
This scenario arises when other than IPPB customers approach IPPB branch with a request to deposit
cash using Aadhaar number. In this case, user to input Aadhaar number, capture biometric, input
pg. 37
amount, customer name, mobile number, account type and IIN (searcher available) and submit when an
online call would be made to NPCI through switch (FSS) and a response would be received online.
Successful transaction would provide success message against the RRN (Request Reference Number). At
this stage, system would generate transaction to debit teller account and credit AEPS Payable account.
Minimum amount INR 10 and maximum amount INR 10000.
2. AEPS Cash Withdrawal

Menu: HAEPS
Request Type: Cash Withdrawal
This scenario arises when other than IPPB customers approach IPPB branch with a request to withdraw
cash using Aadhaar number. In this case, user to input Aadhaar number, capture biometric, input
amount, customer name, mobile number, account type and IIN (searcher available) and submit when an
online call would be made to NPCI through switch (FSS) and a response would be received online.
Successful transaction would provide success message against the RRN (Request Reference Number). At
this stage, system would generate transaction to credit teller account and debit AEPS Receivable
account.
Minimum amount INR 10 and maximum amount INR 10000.
pg. 38
4. Recovery of Charges at branches

3. General Charges
This functionality is used when charges are to be debited to customer accounts for a service rendered by
bank where there are no Finacle events. Eg: Balance confirmation, Signature attestation etc.
Menu : HGCHRG
Function : Add
Event ID : Select valid Event ID under GCHRG Event Type (Searcher available)
Dr. Acct ID: Select Debit Account ID
Amt. : Amount would be auto-populated based on the Event ID set up, upon click of Go button
Click on Go
Click on SUBMIT to commit the same by teller.
pg. 39
5. REPORTS
1. Financial Transactions Report
Menu : HFTR
Detailed view with option to print
pg. 40
Clicking on Print button would generate report in HPR
Print output
2. Interest Report for Accounts

Menu : HAINTRPT
pg. 41
Select applicable MRT File against field MRT File Name.
Clicking on Submit would generate Report at back ground.
HPR
Print Screen
pg. 42
pg. 43
3. SI Inquiry
Find SI number for given Account ID
Menu : HSII
Criteria Page
Result Page
6. TROUBLE SHOOTING
1. User Login – Security Certificate Error
Problem:
While user logs in to the browser first time after providing login ID and password and changing the
solution to FINCORE, system might pop up Security Certificate Error as below.
URL for Login : https://cbsjw302.ippb.in:10200/SSO/ui/SSOLogin.jsp (Training env)
Click on ‘Continue to this website (not recommended)
pg. 44
This would take the user to the login page. Input login ID and password
User would be prompted with below message as we are configuring FINCORE as the default application
for the user. Click on OK to proceed.
Successful login page below
pg. 45
Error screen below would be displayed on first login attempt with the browser as part of browser level
security introduced. Click on ‘Show Content’ to proceed with. User would be again taken to login page.
Login again to continue.
pg. 46
7. COMMONLY USED MENU FUNCTIONS
CATEGORY BUSINESS FUNCTION MENU
Acct Opening eKYC Individual accounts – New customer CKYCACOP
eKYC Individual accounts – Existing customer CACOP
Non-eKYC Individual accounts (TBD)
Business account opening Request Capture CSRM
Business account opening (TBD)
Inquiry Financial Transactions Inquiry HFTI
Specific Transaction inquiry HTI
Account Ledger Inquiry HACLINQ / HACLI
Customer Accounts inquiry HACI
Audit File Inquiry HAFI
Standing Instructions Inquiry HSII / HSSII
Outward Clearing Instruments Inquiry HOIQ
Account Lien Inquiry HALI
Customer Lien Inquiry HCUALI
Cheque Book Issued Inquiry HCHBI
Reference Code Inquiry HRRCDI
Interest Table Inquiry HINTTI
General Scheme Parameters Inquiry – HGSPI

Customer Accts
General Scheme Parameters Inquiry – Office HOAGSPI

Accts
Account Interest Details Inquiry HAITINQ
Interest Rate Details Inquiry HINTTI
Interest Table Code Inquiry HINTCI / HITCI
pg. 47
Service Outlet Status Inquiry (EOD/BOD) HSOLSTAT
Account Access Code Inquiry HAACI
Interest Version Slab Inquiry HINTSI
Components of Available Balance Inquiry HACCBAL / HACCBALI
Interest Version Slab Inquiry HIVSI
Outward Cheques Inquiry HOCI
Inward Cheques Inquiry HICI
Memo Inquiry / Maintenance HMEMOPAD
Teller Cash Position Inquiry HTCPIAE / HTCPIAC/ HTCPI
Customer Search Inquiry HCUACC
General details of customer HCUDET
Shadow Balance Inquiry HACSBIO
Outward Clearing Part Tran Inquiry HOPQ
Outward Clearing Instrument Inquiry HOIQ
Transactions Cash Deposit – eKYC Account CTM
Cash Deposit – non eKYC / 3rd Party HCASHDEP
Cash Withdrawal – eKYC Account CTM
Cash Withdrawal HCASHWD
Transfers between Accounts (eKYC) CTM
Transfers between Accounts (non eKYC) HXFER
NEFT Outward CTM
RTGS Outward CTM
IMPS Outward CTM
AEPS Cash Deposit HAEPS
AEPS Cash Withdrawal HAEPS
Bulk Verification of Transactions HTV
Create & update Reversal transaction HCRT
pg. 48
Cheque return across the Counter HECHRAC
General charges & fees collection HGCHRG
Maintenance Accounts Maintenance (CASA) CAU
Customer Maintenance CAACLM
CASA Closure CACCLS
Cheque Stop Payment HSPP
Sweeps Pool Maintenance HSWEEPS
Sweeps Pool Regularization (Intra day) HSWOPS
Account Lien Marking HALM
A/c freeze maintenance HAFSM
Update chq from used to unused status HUCS
Inventory movement between locations HIMC
Deferred charges collection HDEFCALC
Memopad Lookup HMEMOPAD/HMPAU
Channel Registration Maintenance CCRG
Service Request Maintenance CSRM
Doorstep Banking Request Maintenance CDRM
Payee Registration Maintenance CPAYEE
Account Aadhaar Seeding CAAS
Standing Instruction Maintenance HSIM / HSSIM
Reports Print Queue HPR
EOD Cash Position Report HACLPOA
Financial Transactions Report HFTR
Adhoc Account Statement Print HPSP
Office Account Ledger Print HACLPOA
Audit File Print HAFP
Account Interest Report Print HAINTRPT
pg. 49
Print Voucher HPV
Print Cheque Return Memo CRCMP
Cheque book Request CHQREQ
Cheque book Download CHQDWLD
Cheque book Upload CHQUPLD
QR Card Upload CQRUPLD
8. Support Contact Numbers and Emails
Peter Alen 8197762233 (peter.alen@hpe.com)
pg. 50

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Finacle Train The Trainer Document – Ver. 1.

Prepared by : PETER ALEN

In this screen, following data would be captured and validated online:

2. eKYC Account Opening – Existing Customer (CACOP)

3. Non-eKYC Account Opening (TBD)

Following are the accepted POI / POA for IPPB:

1. Pan card- POI

4. Business Account Opening – Lead Capture (CSRM)

5. Business Account Opening (TBD)

1. CASA Closure Request Capture (CSRM)

Authentication mode: Aadhaar + Biometric

2. CASA Closure (HCAAC)

Authentication mode: Not applicable

3. Aadhaar Seeding Maintenance (CAAS)

Authentication mode: Aadhaar + Biometric

4. Customer Maintenance (CAACLM)

Authentication mode: Aadhaar + Biometric

5. Account Maintenance (CAU)

Authentication mode: Aadhaar + Biometric

6. Channel Registration Menu (CCRG)

Authentication mode: Aadhaar + Biometric

7. Payee Registration Maintenance (CPAYEE)

Authentication mode: Aadhaar + Biometric

8. Signature / Photo Maintenance (SVS)

9. A/c Freeze Status Maintenance (HAFSM)

Authentication mode: Not applicable

Functions: Freeze / Unfreeze / Inquire / Verify / Cancel

Product menu HAFSM would be used to perform the activities of Freeze/Unfreeze.

10. A/c Lien Maintenance (HALM)

Authentication mode: Not applicable

Functions : Add / History / Inquire / List / Modify / Verify / Cancel

11. Stop Payment Processing (HSPP)

Authentication mode: Not applicable

Functions : Stop pay / Revoke Pay / Inquire

12. Standing Instruction Maintenance (HSIM/HSSIM)

13. Service Request Management (CSRM)

Functions : Add / Modify / Inquire

Types : SR – Service Request / CR-Complaint Request / LM – Lead Management

Screen 1 – Select Type

Screen 1 – Select Module

Screen 1 – Select Sub Module

Screen 2 – Details page

List of SRs / CRs (as on 31/01/2018)

14. Doorstep Banking Request Management (CDRM)

Authentication mode: Aadhaar + Biometric / Customer identification over call centre

Functions : Add / Modify / Cancel / Close / Inquire / List

As part of request capture, following data would be captured by the user:

Details page – User to update Service Details and submit request.

15. Account Ledger Inquiry (HACLINQ)

Authentication mode: Not applicable

Product menu HACLINQ is used to perform this activity.

16. Financial Transaction Inquiry (HFTI)

Authentication mode: Not applicable

Product menu HFTI is used to perform this activity.

17. Adhoc Account Statement Print (HPSP)

Authentication mode: Not applicable

18. Office Account Ledger Print (HACLPOA)

Authentication mode : Not applicable

Authentication mode: Aadhaar + Biometric