USER GUIDE ON CORE BANKING SOLUTION (DOP FINACLE) VER 1.1 WEST BENGAL CIRCLE LAST UPDATED ON 27.07.2016 All the procedure described in this document is prepared as on date available. It may be changed at any moment as per Finacle software is changed. Always check the latest information available. If you found anything to be supplemented or anything wrong in this guide book mail to TABLE OF CONTENTS SECTION -1 INTRODUTION 1.1 Introduction to Core Banking Solution (CBS) and Finacle 1.2 Basic features of Core Banking Solution (CBS) and Finacle 1.2.1 Command based System 1.2.2 Browser based (Web Package) System 1.2.3 Double Entry System 1.2.4 Maker-Checker in Finacle 1.2.5 About SOL (Service OutLet) and BO Code 1.2.6 Different types of Users in Finacle 1.2.7 Creation of Customer Information File (CIF) 1.2.8 Account Numbers in Finacle 1.2.9 Funding of Account (Deposit while opening of account) 1.2.10 Inventory Movement 1.2.11 Acceptance of Bulk RD Deposits of MPKBY Agents 1.2.12 Office Account concept 1.2.13 Transaction Status in Finacle 1.2.14 Day End and Begin 1.2.15 Role of CPC SECTION - 2 LOGIN, PASSWORD, TOOLS & BUTTONS 2.1 Login procedure in Finacle 2.2 The main Finacle window is explained below with figure 2.3 Logout Procedure in Finacle 2.4 Problem faced regarding login [user logged in / user is locked] 2.4.1 User Logged in 2.4.2 User is Locked 2.5 SOL change/Role change request 2.6 User/Supervisor/User Champion Creation 2.7 Password Change 2.8 Tools & buttons used in Finacle 2.9 When your PC is not responding/Hanged 2.10 Deleting Cookies and Temporary Internet File SECTION -3 GETTING NEW A/C NUMBER 3.1 To find out New Account number or CIF ID in Finacle using Old A/c Number 3.1.1 Procedure 1- By using command in Finacle 3.1.2 Procedure 2 – By Using PDF file 3.2 Entry of New A/C ID & CIF in the Passbook or Certificate nd rd 3.3 To Find the CIF of the 2 or 3 Holder of Migrated Account 3 | P a g e DOP Finacle User Guide Ver 1.1 West Bengal Circle SECTION -4 VAULT TRANSACTION 4.1 About Vault Transactions 4.2 Debit (Dr.) and Credit (Cr.) Procedure in Vault & Teller Transaction 4.3 Procedure of Transferring cash from Vault to Teller 4.4 Transaction in Teller Account 4.5 Procedure of Transferring cash from Teller to Vault SECTION -5 INVENTORY 5.1 About Inventory Movement 5.2 Movement of Inventory from the External to Main stock (Double Lock) 5.3 Verification process by Supervisor 5.3.1 At Single Handed Office [Where Supervisor himself is Authoriser] 5.3.2 At Head Office or Sub Office where more than one Supervisor exists 5.4 Movement of Inventory From Main stock (Double Lock) To Counter 5.5 Verification process by Supervisor 5.6 If the Transaction ID could not be noted for any reason 5.7 Splitting of Cheque Book 5.8 Merging of Cheque Book 5.9 Return of Inventory to Double Lock (Main Stock) from Employee (Counter) 5.10 Verification process by Supervisor 5.11 Inquiry of Inventory 5.11.1 To see Particular counter and All or Particular inventory item 5.11.2 To see Double Lock Stock - All or Particular inventory item SECTION -6 KYC & ACCOUNT OPENING FORM 6.1 About KYC & AOF 6.1.1 In case of new customer who has no accounts in Post office To be given to customer To be taken from customer Disposal of Photo Disposal of Documents 6.1.2 Modification of existing customer To be given to customer To be taken from customer Disposal of KYC & Documents 6.2 Sample Account opening form 6.3 Sample KYC Form 4 | P a g e DOP Finacle User Guide Ver 1.1 West Bengal Circle SECTION -7 CIF (CUSTOMER INFORMATION FILE) 7.1 About CIF 7.2 To check whether the customer is an existing customer or searching a CIF of a customer 7.3 New CIF Creation 7.4 CIF Verification Process - By Super 7.5 On verification if Supervisor found a mistake 1. CIF Rejection 2. CIF Modification (Before verification) 3. CIF Verification 7.6 Process of modification of CIF (Modification of existing CIF or migrated CIF) 7.7 Verification Process After Modification 7.8 Situations – When CIF has to be Modified 7.9 Modification of CIF in case of Death/Death Marking 7.10 Changing The CIF ID of Main(first) Account Holder on account of Death or Account transfer 7.11 Verification of Merger 7.12 Merger of CIF ( in case more than one CIF exits of a customer) 7.13 Inquire the accounts opened under one CIF ID 7.14 Name Change in CIF & Account Number 7.14.1 Name change in CIF level 7.14.2 Name change in Account level SECTION -8 SAVINGS BANK ACCOUNT(SB) 8.1 About Post Office Savings Bank Account (SB Account) 8.2 Opening of SB Account 8.3 Verification of SB Account 8.4 Modification before verification [by same operator] 8.5 Modification of existing SB Account 8.6 To make Silent A/c Active 8.7 To change Scheme of SB A/c 8.8 Issue of Cheque Book 8.8 Issue of Cheque Book Verification 8.9 Cheque Book Inquiry 8.10 To find an Account number by a Cheque Number 8.11 SB Transactions 8.11.1 SB Cash Deposit By Counter PA 8.11.2 Verification of Cash Deposit by Super 8.11.3 SB Cash Withdrawal by Counter PA 8.11.4 SB Cheque Withdrawal by Counter PA 8.11.5 Verification of Cash/Cheque Withdrawal by Super 8.13 Transfer Transactions (customer induced) 8.14 Rectification of wrong Transaction 5 | P a g e DOP Finacle User Guide Ver 1.1 West Bengal Circle 8.15 Print Passbook 8.15.1 New Passbook Print 8.15.2 New Continuation Passbook Issue 8.15.3 Duplicate Passbook Issue 8.15.4 Passbook Reset 8.16 Branch office SB Deposit 8.17 Branch office SB Withdrawal 8.18 SB Account closer (HO or SO Account) 8.19 Branch Office (BO) SB Account closer 8.20 Account Balance Check 8.21 Account Details Check 8.22 Pre Migration Transaction Check (Transactions of Sanchaya Post) 8.23 Stop payment Verification process by Supervisor 8.24 Revoking Stop payment 8.25 Cheque Book Destroy Procedure 8.26 Other functions of the Menu HCHBM SECTION -9 PMSBY-PMJJBY-APY 9.1 PMSBY [Pradhan Mantri Suraksha Bima Yojana] & PMJJBY [Pradhan Mantri Jeevan jyoti Bima Yojana] SECTION -10 TD, MIS & SCSS 10.1 About Time Deposit Account (TD) 10.2 About Monthly Income Scheme Account (MIS) 10.3 Given below are some of the Terms used in TD/MIS/SCSS Account. 10.4 General Issues regarding TD/MIS/SCSS Account 10.5 Monthly Income Scheme (MIS) Account opening 10.6 Time Deposit (TD) Account opening 10.7 TD or MIS A/c Modification Before Verification 10.8 Verification of new MIS or TD Account 10.9 Modification of Existing TD or MIS Account 10.10 Verification of Existing TD or MIS Account 10.11 To update Standing Instructions from MIS/TD to SB A/c 10.12 About Senior Citizen Savings Scheme (SCSS) 10.13 Opening of Senior Citizen Savings Scheme (SCSS) 10.14 Modification of SCSS Account 10.15 View TD/MIS/SCSS Interest (Only to view Interest amount) 10.16 View TD/MIS/SCSS Interest (To view before migration Interest amount) 10.17 TD/MIS/SCSS interest payment 10.18 BO TD Interest Payment at Accounts office 10.19 TD/MIS/SCSS interest payment of other SOL 10.20 About Closer of TD/ MIS/SCSS Account 6 | P a g e DOP Finacle User Guide Ver 1.1 West Bengal Circle 10.21 Closer of TD/MIS/SCSS A/c on Maturity /Premature/ Death closer 10.22 BO TD Closer 10.23 Inquiring Accounts using BO Code 10.24 Extension of SCSS Accounts 10.25 Submission of 15G/15H in SCSS Accounts 10.26 Refund of TDS if wrongly deducted in SCSS Accounts 10.27 Premature Closer of SCSS in Lock in period SECTION -11 RECURRING DEPOSIT(RD) 11.1 About Recurring Deposit 11.2 RD Account Open 11.3 Verification of RD Account Open 11.4 RD Installment Deposit when Account stands at HO/SO 11.5 RD instalment deposit verification 11.6 RD Installment Deposit when Account stands at BO 11.7 Standing Instruction 11.8 SB to RD SI Procedure 11.9 SB to RD SI Verification 11.10 About Loan/Half Withdrawal against RD 11.11 RD Loan Account Opening 11.12 Verification Of Loan Account Opening 11.13 Disbursement of Loan 11.14 Disbursement of Loan Verification 11.15 Repayment of loan/part payment of loan 11.16 Repayment of loan verify 11.17 Closer of loan account Step 1: Final payment of loan amount + Loan Interest or only Loan Interest payment Step 2: Final payment of loan amount + Interest verification Step 3: Loan account closer Step 4: Loan account closer Verification 11.18 About RD Account closer 11.19 RD Closer – Normal Matured Account 11.20 RD Death Claim Closer 11.21 Branch office RD Closer 11.22 Deleting SI linked to RD 11.23 Linking and Delinking RD agent from an account- 11.23.1 Linking agent 11.23.1 De-Linking agent 11.24 Different situations in RD Account closer 11.25 Posting of Reference no. generated in Agent Portal (RD bulk posting) 11.26 RD Bulk Posting by DOP and Non DOP cheque 11.26.1 Posting by DOP Cheque 7 | P a g e DOP Finacle User Guide Ver 1.1 West Bengal Circle 11.26.2 Posting by Non-DOP Cheque 11.27 RD Extension 11.28 Maturity Date Deferment in RD account 11.29 View Pending Installment in RD 11.30 PRSS Bulk List Posting SECTION -12 PUBLIC PROVIDENT FUND (PPF) 12.1 About Public Provident Fund Account (PPF) 12.2 PPF Account Opening 12.3 PPF Account Opening Verification 12.4 Funding of PPF/Repayment 12.5 Verification of PPF Funding/repayment 12.6 Part withdrawal from PPF account 12.7 Part withdrawal from PPF Account - Verification 12.8 About Loan against PPF 12.9 PPF Loan Account Opening 12.10 PPF Loan Account Opening Verification 12.11 PPF loan Disbursement 12.12 PPF loan Disbursement Verification 12.13 Repayment of loan/interest 12.14 Repayment of loan/interest Verification 12.15 Closer of PPF account 12.15.1 PPF Closure (without loan) 12.15.2 PPF Closure (with loan) 12.16 Verification of Closer of PPF account 12.17 Extension of PPF SECTION -13 SUKANYA SAMRIDDHI ACCOUNT (SSA) 13.1 About Sukanya Samriddhi Account 13.2 SSA Account Opening in Finacle 13.3 First Deposit & Subsequent Deposit made in SSA Account in Finacle SECTION -14 NSC & KVP 14.1.1 About National Saving Certificate (NSC) 14.1.2 About Kisan Vikas Patra (KVP) 14.2 NSC/KVP Account Opening 14.3 Deleted 14.4 Deleted 14.5 Deleted 14.6 Deleted 14.7 About NSC/KVP Account closing 8 | P a g e DOP Finacle User Guide Ver 1.1 West Bengal Circle 14.8 NSC/KVP Account closing [Bulk] 14.9 NSC/KVP Account Closing [Individually-one at a time] 14.10 NSC/KVP Account Closing Verification [Individually-one at a time] 14.11 Duplicate Certificate Print 14.12 Pledging of Certificate – See General Issue Section SECTION -15 NSS & OTHER DISCONTINUED SCHEME 15.1 About Discontinued Scheme The procedure for payment of principal amount of discontinued schemes to be followed is The procedure for payment of interest amount of discontinued schemes to be followed is 15.2 NSS87 Payment If withdrawal amount is less than 2500 and mode of payment is cash If withdrawal amount is less than 2500 and mode of payment is Transfer If withdrawal amount is 2500 or more than 2500 and 15G/15H is not submitted If withdrawal amount is 2500 or more than 2500 and 15G/15H is submitted 15.3 NSS87 Closer SECTION -16 AGENT PORTAL 16.1 Addition of an Agent 16.2 Addition of an Agent Verification 16.3 Procedure to copy an Agent SECTION -17 GENERAL ISSUE 17.1 Transaction ID searching 17.2 Non financial transaction searching General Ledger Subhead code: 17.3 Inquiry of Transaction 17.4 Deleting of Transaction 17.5 Signature View 17.6 How to tally cash - if excess cash found in the counter (teller) 17.6.1 Cash Deposit Procedure in Sundry Account 17.6.2 Verification of deposit By Supervisor 17.6.3 Reversal of Excess Cash - Kept in Sundry Account 17.6.4 Verification of Reversal of Excess Cash - kept in Sundry Account 17.7 Lien Maintenance 17.7.1 Marking Lien 17.7.2 Marking Lien Verification 17.7.3 Revoking Lien/Modifying Lien 17.7.4 Revoking Lien/Modifying Lien Verification 17.8 Freeze an account 17.8.1 Freeze an Account Procedure 17.8.2 Freeze Account Verification 17.8.3 Unfreeze an Account Procedure 17.8.4 Unfreeze an Account Verification 9 | P a g e DOP Finacle User Guide Ver 1.1 West Bengal Circle 17.9 Reinvestment Procedure in Finacle 17.10 Account Transfer Between SOLs 17.10.1 Procedure by PA 17.10.2 Verification by Super 17.11 Intersol Transaction 17.12 Closer of Accounts at other SOL 17.13 Death Claim case at other SOL 17.13.1 Certificates (NSC/KVP) 17.13.1 MIS/TD/SCSS/PPF/RD 17.14 Transfer of Accounts 17.15 How to handle cheques sent for collection before migration to CBS but clearance received after migration 17.16 Single to Joint account rd 17.17 Joint to Single Account/Deletion of 3 joint holder 17.18 Major to Minor conversion 17.19 Addition/Modification of Nomination SECTION -18 CHEQUE PROCEDURE 18.1 Procedure for handling Cheques presented at CBS SOs 18.2 Procedure for handling Cheques presented at CBS HO SECTION -19 REPORT 19.1 REPORT TO BE TAKEN BEFORE EOD SECTION -20 EOD & BOD EOD/BOD(End of Day/Beginning of Day) Procedure in Finacle CBS Steps to be followed before EOD EOD Steps:- Only First step of EOD to be done at SO/HO SECTION -21 OFFICE ACCOUNT 21.1 Office Account SECTION -22 MENU SHORTCUT 10 | P a g e DOP Finacle User Guide Ver 1.1 West Bengal Circle