CASA Product Sheet

Module : Current and Savings Account (CASA)
FLEXCUBE Version : FC V.CO 4.0.0.0.0.0.0
The CASA Product Sheet is used to set bank parameters, product Master, interest rate tiers maintenance, group definition maintenance, product attribut
maintenanceand multi currency product package definition for CASA product of your bank. You can maintain the bank parameters according to your ban
Follow the list of documents, in the given order, to set up the various CASA parameters for your bank in FLEXCUBE. Click the Transaction Screen and
the tab screens listed below to view the screens of each option. Click the Input Sheet listed below to view the information about the fields in the transac
screens. You can also enter the values applicable for your bank in these sheets.
Sr. No. The document is divided into following:

I Savings Bank Parameters Maintenance (Fast Path: CHM04)
1) Transaction Screen
2) Input Sheet
II CASA Product Master (Fast Path: CHM01)
2) Tab Screens
a) Int. Details
b) Service Charges
c) Facilities
d) Contingent Details
d) General Ledger
e) Statement and Advices
f) Exception
g) Common
h) RD
i) Flexible RD Parameters
3) Input Sheet
III CASA Interest Rate Tiers Maintenance (Fast Path: CHM02)
2) Input Sheet
IV Group Definition Maintenance (Fast Path: CHM55)
2) Input Sheet
V CASA Product Attributes Maintenance (Fast Path: CHM84)
2) Input Sheet
VI CASA Multi Currency Product Package Definition (Fast Path: CH099)

2) Input Sheet
VII Disclaimer
intenance, product attributes
eters according to your bank requirements.
e Transaction Screen and the name of
out the fields in the transaction and tab
Note: Click the below screen to view the input sheet.
CASA Bank Parameters Maintenance (Fast Path: CH
Fast Path: CHM04)
Legend
Topic / Tab / Grid Name
Possible Options
Display Fields
Input Fields
New Fields
This sheet is to be used for entering the global Savings parameters for your bank.
Ensure that the following setup are complete before commencing this sheet.
The Prerequisites for the CASA Bank Parameters Maintenance are as follows:
Option Fast Path
CASA Bank Parameters Maintenance (Fast Path: CHM04)

Mand-
Parameter Format Description Validations Modifiable Sample Values Product 1 Product 2 Product 3 Product 4
atory
Record Number Yes Pick List Set up the manually generated identifier used for the bank No
parameters. 1
The number has no operational significance.
Miscellaneous Parameters
BOD -Batch Size Yes Numeric [4] Set up the commit size for the BOD batch process like standing Yes
instruction execution.
The commit sizes refer to the transactions processed per batch.
The value of the commit size is defined during the installation of
300
Oracle FLEXCUBE.
The batch sizes are calculated using the processing time factor
and the restart need.
TXN - Batch Size Yes Numeric [4] Set up the commit size for the transaction posting of the EOD Yes
batch process.
The batch sizes refer to the transactions processed per batch.
300
Oracle FLEXCUBE.
Dormant Reactivation Mode Yes Drop-Down Select the dormant reactivation mode for the CASA accounts The valid Dormant Reactivation Mode Yes
from the drop-down list. can be one of the following options: Automatic (Dr/Cr)
Automatic (Dr/cr) If this option is selected, the dormant account will be reactivated
automatically upon a customer originated debit or credit
transaction.
Debit If this option is selected ,the dormant account will be reactivated
automatically upon a customer originated debit transaction only.
Manual If this option is selected ,the dormant account has to be

reactivated manually.
EOD - Batch Size Yes Numeric [4] Set up the commit size for the interest capitalization of the EOD Yes
batch process.
The batch sizes refer to the transactions processed per batch.
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FLEXCUBE Retail.
Single Entry For Consol Chq No Check Box Select the checkbox to enter a single entry for the consolidated If this field is not selected, then the Yes
cheque deposits in the statement or passbook. statement or passbook will show
If this field is not selected, then the statement or passbook will individual entries for the cheques
show individual entries for the cheques deposited through deposited through consolidated cheque ✘
consolidated cheque deposit option. deposit option.
Tax on Interest Accrual No Check Box Select the checkbox to calculate and deduct tax on the accrued The system will look at the Product Yes
interest. Master TDS flag and will compute tax
If this field is not selected, then the tax will be computed and only for products where TDS flag is
deducted at the time of interest capitalization. selected.
The system will also look at the Product Master TDS flag and
will compute tax only for products where TDS flag is selected.
UBA NY - Loans Design Document

SI Execution on Previous Day No Check Box Select the check box, if the standing instruction is to be If this field is not selected, then the Yes
executed on the previous working day whenever the standing standing instruction will be executed on
instruction execution date is a holiday. the next working day whenever the
If this field is not selected, then the standing instruction will be standing instruction execution date is a
executed on the next working day whenever the standing holiday.
instruction execution date is a holiday. Standing instruction falling on month end
Standing instruction falling on month end will be executed on will be executed on the previous day.
the previous day.
Passbook Update on Deposit Date No Check Box Select the check box, to update the passbook on the deposit Yes
date for cheque deposits.
If this field is not selected, then the passbook gets updated on ✘ ✘
the cheque value date.
Interest and Tax Entries Yes Drop-Down Select the method using which the interest and tax entries will The valid Interest and Tax Entries can be Yes
Individual
be passed from the drop-down list. one of the following options:
Individual If this option is selected interest and tax entries will be passed
separately.
Consolidated If this option is selected interest and tax entries will be passed in
one entry.
Off Balance Sheet Accounting for write No Check Box Select the Off Balance Sheet Accounting for write off required Yes
off Required check box to pass the entries for written off accounts. ✘
Contingent Asset GL Conditio Pick List Set up the GL code to which contingent balance needs to be This field is enabled only if the Off Yes
nal posted if the contingent asset entries are passed at limit level. Balance Sheet Accounting for write off
This Required check box is selected. 523001080
field is enabled only if the Off Balance Sheet Accounting for
write off Required check box is selected.
Contingent Liability GL Conditio Pick List Set up the GL code to which contingent balance needs to be This field is enabled only if the Off Yes
nal posted if the contingent liability entries are passed at limit level. Balance Sheet Accounting for write off
This field is Required check box is selected. 623001260
enabled only if the Off Balance Sheet Accounting for write
off Required check box is selected.
Home Cash GL No Display This field displays the home cash GL code in which the cash
deposit or withdrawal is posted. 111020011

Product 5 Product 6 Product 7 Product 8

Note: Click the below given screens to view the input sheet.
CASA Product Master Maintenance (Fast Pa
Int. Details
Int. Details
Service Charges
Facilities
Facilities
General Ledger
Statements and Advices
Statements and Advices
Exception
Exception
Common
Common
Contingent Details
RD
Flexible RD Parameters
aintenance (Fast Path: CHM01)
. Details
ce Charges
acilities
acilities
ral Ledger
ts and Advices
ts and Advices
ception
ommon
gent Details
RD
RD Parameters
Legend
Possible Options
Display Fields
Input Fields
New Fields
This sheet is to be used for entering interest rates applicable for CASA products.
The Prerequisites for the CASA Product Master are as follows:
Option Fast Path

Interest Index Rates BAM13
SC Package Definition SCM01
CASA Product Master Maintenance (Fast Path: CHM01)

Mand-
Parameter Field Type Description Validation Modifiable Sample Values Product 1 Product 2 Product 3 Product 4
atory
Product Code Yes Numeric [5] Set up the CASA product code. No
It is a manually generated unique identifier for the CASA 10
product.
Product Classification Yes Drop-Down Select the type of account to be defined from the drop-down list. The valid Product Classification can be No
CASA
one of the following options:
CASA If the CASA option is selected then CASA type of account is
defined.
Recurring Deposit If the recurring deposit option is selected then recurring deposit
type of account is defined.
Safe Deposit Box If the SDB option is selected then SDB type of account is
defined.
Product Class Yes Drop-Down Select the type of account to be defined from the drop-down list. No
NRE/NRO accounts will be opened in local currency while
EEFC accounts will be opened only in foreign currency.The
NRE, NRO, EEFC will be applicable only for CASA products. Conventional
Conventional
Daily Deposit
EEFC
Flexible RD
Goal
Islamic
NRE
NRO
FlexiSaver
Currency Yes Drop-Down Set up the currency code in which the product is defined. No
INR
The list of valid currencies is maintained in FLEXCUBE.
Product Type Yes Drop-Down Select the product type from the drop-down list. The valid Product Type can be one of the No
ASSET
following options:
Asset If this option is selected, accounts under this product can have
positive or negative balance.
Liability If this option is selected, accounts under this product can have
only positive balance.
Product Name Yes Drop-Down Set upthe product name. Yes
Product name is used to identify the product. The product name SAVING REGULAR-
appears on the bank statement or the deposit certificate. DAILY BALANCE
Int. Details
Minimum Interest Variance Yes Numeric [2,5] Set up the minimum variance allowed on the interest rate for The interest variance specified at the Yes
this product. The values can be between –100 to +100. account level should be greater than or
The interest variance specified at the account level should be equal to this variance limit. -500,000
greater than or equal to this variance limit.

Credit Accrual Basis Condi- Drop-Down Select the credit accrual basis, for the accounts opened under This field is enabled only if the Liability No
tional this product, from the drop-down list. option is selected in the Product Type
It defines the way in which number of days is calculated field.
between two dates for interest computation. The valid Credit Accrual basis can be one
The accrual basis is always defined as ‘a/b’ where: of the following options: Actual/Actual
• ‘a’ denotes number of days in a month
• ‘b’ denotes number of days in a year
FLEXCUBE Retail supports six accrual basis.
Euro 30/360 If this option is selected, the number of days in a month are
always 30 and number of days in a year are always 360 except
for February. For February, actual numbers of days are taken in
to consideration while the denominator remains as 360.
US 30/360 If this option is selected,always 1/12 for any month.

Actual/Actual If this option is selected, the actual number of days in a calendar
month / actual number of days in a year.
Actual/360 If this option is selected, the number of days in a month is the
actual number of days of the calendar month and the number of
days in the year is 360.
Euro 30/Actual If this option is selected then, if it is a normal month then 30/No
of Days in Year. If month is February then No of Days in
February/No of Days in Year
US 30/Actual If this option is selected, the number of days in any month =30
and number of days in a year = actual number of days in the
year. Refer Example 6.
Actual/365 If this option is selected, the number of days in a month is the
actual number of days of the calendar month and the number of
days in the year is 365.
Maximum Interest Variance Yes Numeric [2,5] Set up the maximum variance allowed on the interest rate for The maximum variance specified at the Yes
this product. The values can be between –100 to +100. account level should be within the
The maximum variance specified at the account level should be variance limit set up at the product level.
within the variance limit set up at the product level. The interest variance specified at the
The interest variance specified at the account level should be account level should be less than or 500,000
less than or equal to this variance limit. equal to this variance limit.
Debit Accrual Basis Conditio Drop-Down Select the debit accrual basis from the drop-down list. This field denotes the debit interest No
nal This field denotes the debit interest accrual basis for the accrual basis for the accounts opened
accounts opened under this product. It defines the way in which under this product. It defines the way in
number of days is calculated between two dates for interest which number of days is calculated Actual/Actual
computation. between two dates for interest
FLEXCUBE Retail supports six accrual basis. computation.
Euro 30/360 If this option is selected, 30 days in a month will be taken as

numerator for all months except February. Actual number of
days in February will be considered for calculation. 360 days in
a year will be taken as denominator.
US 30/360 If this option is selected, 30 days in a month will be taken as

numerator and 360 days in a year will be taken as denominator.
Actual/Actual If this option is selected, the actual days in a month will be taken
as numerator and actual days in a year will be taken as
denominator.
Actual/360 If this option is selected, the actual days in a month will be taken
as numerator and 360 days in a year will be taken as
denominator.
Euro 30/Actual If this option is selected, 30 days in a month will be taken as
days in February will be considered for calculation. Actual days
in a year will be taken as denominator.
US 30/Actual If this option is selected, 30 days in a month will be taken as

days in February will be considered for calculation. Actual days
in a year will be taken as denominator.
Actual/365 If this option is selected, the actual days in a month will be taken
as numerator and 365 days in a year will be taken as
denominator.
Interest Rate Plan Yes Pick List Set up the interest rate plan, for the selected product, from the No
pick list.
The global interest rate plans have to be defined which 4001
comprises of credit, debit and OD interest, based on tiers as
required by the bank.

Plan Description No Display The plan description corresponding to the interest rate plan. Yes RATE PLANS FOR
SAVINGS
REGULAR
Credit Interest Parameters
Balance Base Yes Drop-Down Select the base for computation of credit interest from the drop- The valid balance base can be one of the No
Daily Balance
down list. following options:
DailyBalance If this option is selected, the interest will be calculated on the
daily balance of the account. The interest is calculated on the
end of day balance of each day in the account. This interest is
added at the end of the accrual period.
AverageDailyBalance If this option is selected, the interest will be calculated on the

average daily balance of the account during the accrual period.
MonthlyMinimum If this option is selected, The interest will be calculated on the

minimum balance between two specified dates in a month
during the accrual period. If there is a debit balance in the
account during the specified dates, the customer does not get
any credit interest for that period.
Interest Capitalization Basis Yes Drop-Down Interest capitalization will be defaulted to Anniversary and No
Anniversary
disabled
Calendar If this option is selected, interest capitalization will be done at
month-end.
Anniversary If this option is selected, interest capitalization will be done on
some specified date.
Capitalization Frequency Yes Drop-Down Select the capitalization frequency from the drop-down list. The interest capitalization frequency No
It is the frequency at which the interest is capitalised. On should be greater than or equal to the
capitalization, interest is credited to the account. The interest interest accrual frequency. Quarterly
capitalization frequency should be greater than or equal to the The valid capitalization frequency can
interest accrual frequency. be one of the following options:
Monthly
Bi-Monthly
Quaterly
Half-Yearly
Yearly
Anniversary Day Conditio Numeric [2] Set up the anniversary day of capitalization. This field is applicable only if the No
nal This field is applicable only if the Anniversary option is selected Anniversary option is selected in the
in the Interest Capitalization Basis field. It will be defaulted to Interest Capitalization Basis field. 0
zero and disabled
Balance Start Day Conditio Numeric [2] Set up the start date of the month from which the minimum This field is enabled only if the Monthly Yes
nal balance is to be counted for the interest calculation. Minimum Balance option is selected in
This field is enabled only if the user has selected the Monthly the Balance Base option. 0
Minimum Balance option in the Balance Base field for
calculating interest on monthly minimum balance.
Balance End Day Conditio Numeric [2] Set up the end date of the month up to which the minimum This field is enabled if the Monthly Yes
nal balance is to be counted for interest calculation. Minimum Balance option is selected in
This field is enabled if the Monthly Minimum Balance option the Balance Base option. 0
selected in the Balance Base field for calculating interest on
monthly minimum balance.
Capitalization Offset Month Conditio Numeric [2] Set up the offset period in months from beginning month of the This field is enabled only when the Yes
nal financial year defined. Capitalization Frequency is quarterly
This field is enabled only when the Capitalization Frequency is and above and the start month as
quarterly and above and the start month as entered here will entered here will start the count of 1
start the count of months from the financial year. months from the financial year.
Tier Type Yes Drop-Down Select the tier type from the drop-down list. The valid tier type can be one of the Yes
Cumulative
following options:
Cumulative If this option is selected, the system will calculate the interest
based on the interest rate of the tier in which the entire balance
amount falls.
Incremental If this option is selected, the account balance is broken into
various tiers and the interest is calculated based on the interest
rates for the respective tier.
Interest Accrual Frequency Yes Drop-Down Select the interest accrual frequency from the drop-down list. The interest accrual frequency should be No
It is the interval at which the interest accrual will be done. The less than or equal to the interest
accrual entries are passed based on the accrual frequency set capitalization frequency. The valid
up at the product level.The interest accrual frequency should be interest accrual frequency can be one of
Monthly
less than or equal to the interest capitalization frequency. the following options:
Daily
Weekly
FortNightly
Monthly
Bi-Monthly
Quaterly

Half-Yearly
Yearly
Book/Collected Bal Yes Drop-Down Select the parameter on which the interest is to be computed The valid book/collected bal can be one No
Collected Balance
from the drop-down list. of the following options:
Book Balance If this option is selected, the interest will be computed on the
end of day ledger full book balance, including the unclear funds
and hold funds.
Collected Balance If tthis option is selected ,the interest will be computed on the
end of day clear balance (available balance), including hold
funds.
Minimum Interest to Pay Yes Numeric Set up the minimum interest amount that can be paid. If the interest payable at the time of Yes
[13,2] If the interest payable at the time of interest capitalization or at interest capitalization or at account
account closure is less than this amount, then no interest shall closure is less than this amount, then no 0.00
be paid. interest shall be paid.
Accrued Interest Reversal On Account No Check Box Select the check box to reverse the accrued interest in books. Yes
Closure Accrued interest is not paid to the customer on closure of the
CASA account. This field is disabled if the Tax on Interest
Accrual flag is selected at the Savings Bank Parameter.
Rounding Method Yes Drop-Down Select the rounding method from the drop-down list. The valid rounding method can be one of Yes
Round
the following options:
Raise
Cutoff
Round
Nearest Amount To Round Yes Drop-Down Selectthe appropriate nearest amount to round from the drop- The valid nearest amount to round can Yes
down list. be one of the following options:
While capitalizing the interest if the rounding precision required
is different from the currency rounding precision then this field 100
can be used. For each decimal movement *10 factor should be
used.
1
10
100
1000
Debit Interest Parameters
Balance Base No Display The balance base. No
By default, the system displays the balance base as Daily. Debit
interest is always calculated on the daily balance of the account. Dialy Balance
Interest Capitalization Basis Yes Drop-Down Set up the interest capitalization basis from the drop-down list. The valid options can be one of the Yes
Calendar
following options:
Calendar If this option is selected interest capitalization will be done at
month-end.
Anniversary If this option is selected interest capitalization will be done on
Capitalization Frequency Yes Drop-Down Select the capitalization frequency from the drop-down list. No
It is the interval at which the debit interest is to be
capitalised.The debit interest capitalization frequency should be
greater than or equal to the interest accrual frequency,
maintained in the Credit Interest tab. The debit interest Monthly
capitalization frequency can be different from the credit interest
capitalization frequency.
Monthly
Bi-Monthly
Quaterly
Half-Yearly
Yearly
Anniversary Day Conditio Numeric [2] Set up the anniversary date of capitalization. This field is enabled only if the Yes
nal This field is enabled only if the Anniversary option is selected Anniversary option is selected in the 31
in the Interest Capitalization Basis field. Interest Capitalization Basis field.
Capitalization Offset Month Conditio Numeric [2] Set up the offset period in months from beginning month of the This field is enabled only when Yes
nal financial year defined. Capitalization Frequency is quarterly
This field is enabled only when Capitalization Frequency is and above and the start month as 1
quarterly and above and the start month as entered here will entered here will start the count of
start the count of months from the financial year. months from the financial year.
Min. Dr Interest To Charge Yes Numeric Set up the minimum amount of debit interest to be charged. If the debit interest amount at the time of Yes
[13,2] If the debit interest amount at the time of debit interest debit interest capitalization is less than
capitalization is less than the value in this field, then the the value in this field, then the minimum 0.00
minimum interest to charge is applied on the account. interest to charge is applied on the
account.

Cheque Purchase Index Code Yes Drop-Down Set up the cheque purchase index code. The rate of interest effective for the No
The rate of interest effective for the selected index code will be selected index code will be the interest
the interest rate applicable and charged on cheque purchase. rate applicable and charged on cheque
The bank wide interest index codes and interest rates are purchase.
maintained separately under bank global maintenance. For
more information on Interest Index Codes refer to the Interest 1 - 15.00000%
Index Maintenance (Fast Path: BAM12) option and for interest
rates refer to the Interest Index Rates (Fast Path: BAM13)
option.
Floor Rate No Numeric Set up the lowest tier that can be used in the interest plan. Yes
0.00
[13,2]
Ceiling Rate No Numeric Set up the highest tier to be used in the interest plan. Yes
100.00
[13,2]
Default OD Index Code Yes Pick List Set up the default OD index code from the pick list. Yes
0
If there is no tier used then the OD index rate is defined.
Cumulative
following options:
amount falls.
Incremental If this option is selected, the account balance is broken into
various tiers and the interest is calculated the interest based on
the interest rates for the respective tier.
Use product tiers for debit interest No Check box Select check box, if the interest rate at the limit level is used or Yes
calculation else the tiers at the product level are used.
Rounding Method Yes Drop-Down Select the rounding method from the drop-down list. The valid rounding method can be one of Yes
Round
Raise
Cutoff
Round
Nearest Amount To Round Yes Drop-Down Select the appropriate nearest amount to round from the drop- The valid nearest amount to round can Yes
down list. be one of the following options:
While capitalizing the interest if the rounding precision required
is different from the currency rounding precision then this field 100
can be used. For each decimal movement *10 factor should be
used.
1
10
100
1000
Overline/TOD Interest Parameters
OL Interest On OL Amt Only No Check Box Select the check box, if the OL interest is applied on OL amount This field is applicable only if the Product Yes
only.The overline interest rate is to be applied only to overline type is Asset. ✘
balance or for the entire balance.
Cumulative
following options:
amount falls.
Incremental If tthis options is selected, the account balance is broken into
various tiers and the interest is calculated the interest based on
the interest rates for the respective tier.
Use OL variance on OD Rate No Check Box Select the check box to use OL interest as a variance on OD Yes
interest.
Use TOD as variance on OD Rate Conditon Check Box Select the check box if the TOD rate is to be calculated as a This check box is disable if the Use Yes
al variance on the OD rate. product tiers for debit interest
TOD Rate = Highest of OD Rate(OD Index+OD variance) + calculation check box is selected.
TOD Index + TOD Variance (Casa Interest Rate Tiers
Maintenance (Fast Path: CHM02)) + TOD Variance (Account
Level Variance Maintenance (Fast Path: CHM48))
This check box is disabled if the Use product tiers for debit
interest calculation check box is selected.
Service Charges
Service Charges
Service Charge Package Yes Drop-Down Set up the service charges package to be attached to the CASA Yes
product.
All service charges under this package shall be applicable by
P005 - DD/BC SALE
default to all accounts under the product.
AGAINST
For more information on defining Service Charge packages,
ACCOUNT SC
refer to the SC Package Definition (Fast Path: SCM01) option.

No. Cheques for SC Yes Numeric [3] Set up the maximum number of cheques that can be withdrawn Yes
without levying the relevant cheque withdrawal service charge. 10
Days from A/c Open for Maint. SC Yes Numeric [3] Set up the minimum number of days for which the account has Yes
to be operational before applying relevant service charges on it.
This number can be set to zero to make the charge applicable 30
immediately.
SC Funds Utilization Sequence Yes Drop-Down Set up the SC funds utilization sequence. Yes
This represents the order in which the funds in the account shall
be used for payment of service charges.
It is a combination of three values representing following
meaning:
B - Funds from available balance excluding OD limit/lines BOSA
A - Funds from advance against unclear funds
O - Funds from OD Limit
S - Funds from Sweep-in
Min Bal. to Avoid Dormancy SC Yes Numeric Set up the minimum book balance that has to be maintained in Yes
[13,2] the CASA to avoid levying of dormancy service charge on the
account. 10,000.00
The service charges will be levied in the account currency.
Max Amount Per Cycle Yes Numeric Set up the maximum service charge amount that can be levied If the totals of all the service charges is Yes
[13,2] on an account during SC capitalization in a cycle. more than the amount mentioned in this
If the total of all the service charges is more than the amount field, the maximum amount in this field is
mentioned in this field, the maximum amount in this field is applied 1,00,000.00
applied and the service charges will be reduced pro-rata.
Min Amount Per Cycle Yes Numeric Set up the minimum service charge that has to be levied in a If the aggregate of the all individual SCs Yes
[13,2] cycle. is less than the minimum, the minimum
If the aggregate of the all individual SCs is less than the will be charged and all eligible SC
minimum, the minimum will be charged and all eligible SC amounts will accumulate pro-rata. 5,000.00
amounts will accumulate pro-rata. This can be maintained as
zero.
Exclude Periodic Charges and Rewards No Check Box Select the check box, if the interest on the account should be Yes
from Interest Calculation calculated on the entire available balance after excluding the
periodic charges and rewards for the current cycle.
Clear the check box if the interest should be calculated on the ✘
account balance after deducting the service charges for the
current cycle.
Commitment Fees
Percentage OD Utilisation for Yes Numeric [5,2] Set up the percentage OD utilization above which commitment No
Commitment Fee fee is not levied.
Waiver The commitment fee is computed on the unutilized amount
below the “utilization percentage” and is levied to the account at
the month end.
Commitment Fee = [(Sum of Sanctioned limits * minimum
percentage utilization defined for the product) – limit utilized)]
*Fee percentage * Actual no. of days/360
If the value of (Sum of Sanctioned limits * minimum percentage
utilization defined for the product) is greater than the limit
utilized. 20.00
For instance, the sanctioned overdraft limit for an account is
1000000 and the minimum percentage utilization maintained is
50%. If the limit utilized is less than 500000, then the
commitment fee needs to be charged as per the fee percentage
defined.
In the event of the CASA OD Account Closure/Write Off , the
commitment fee will be levied on the same day.
Commitment Fee Calculation Basis No Display This field displays the option Actual/360 and the other options No
Actual/360
are for future use.
Commitment fee rate Yes Numeric [2,2] Set up the rate at which the commitment fee will be levied to the No
accounts for this product.(without any account level variance). 15.00
Facilities
Account Facilities
Cheque Book No Check Box Select the check box to enable the cheque book facility. Yes
Sweepin No Check Box Select the check box to enable the sweep-in facility. Yes
Overdraft Conditio Check Box Select the check box to enable the OD facility. This field is This field is enabled if the Asset option is Yes
nal enabled if the Asset option is selected from the Product Type selected from the Product Type field.
field.
Sweep Out No Check Box Select the check box to enable the sweep out facility. Yes
✘
Standing Instruction No Check Box Select the check box to enable the SI facility. Yes
✘

✘
Inward Direct Debit Auth No Check Box Select the check box to enable inward direct debits from the Yes ✘
account.
Default Sweep in Min Bal for Sweep No Check Box Select the check box to default the maximum of all the 4 This field is enabled only if the Sweepin Yes
Instruction minimum balances (i.e., minimum balance maintained for the check box is selected.
product, minimum balance with cheque book facility, minimum
balance with ATM facility and minimum balance with sweep in
facility) defined at the product level to the CASA Account Master
(Fast Path: CH021) option.
When this check box is selected the minimum balance amount
will be displayed, only when any sweep in instruction is set up
on an account (this account being a beneficiary).
This field is enabled only if the Sweepin check box is selected.
Credit Line No Check Box Select the check box to define the product as a credit line Yes
product.
Flag HSL OD Limit No Check Box Select this check box to allow hold against OD from HSL Yes
interface
ERA Product No Check Box Select this check box to mark the product as employee Yes
reimbursement account (ERA).
This check box is used to know the purpose of the account.
Corporate salary customers are offered salary accounts as well
as reimbursement accounts. The salary and reimbursement
accounts are opened under separate product codes but linked
to the same Customer ID/card.
DWMS No Check Box Flag to generate DWMS Transactions Dump Yes

External Banking Facility
Mobile-Banking (MB) No Check Box Select the check box to allow mobile banking facility for the Yes ✘
given product.
Tele-Banking (TBS) No Check Box Select the check box to enable the telephone banking facility for Yes ✘
the product.
ATM No Check Box Select the check box to enable ATM facility for the product. Yes ✘
Point Of Sale (POS) No Check Box Select the check box to enable the point of sale facility for the Yes ✘
product.
Internet (NET) No Check Box Select the check box to enable the internet banking facility for Yes ✘
the product.
DMAT No Check Box Select the DMAT check box to enable the DMAT facility Yes ✘
for the product
Passbook Facilities
Passbook No Check Box Select the check box to enable the passbook facility. Yes
✘
Passbook Format ID Conditio Pick List Set up the format ID of the passbook from the pick list. This field is enabled only if Passbook Yes
nal This field is enabled only if the Passbook check box is check box is selected.
selected.
The various formats of the passbooks are defined using
1
Passbook Parameter Maintenance. One of the formats is
linked to the product to indicate the format of passbooks for all
accounts under this product.
Compression No Check Box Select check box if compression is required in the account Yes
which is opened under this product. ✘
By default, this field will be checked and can be modified as per
the product requirement."
Threshold Count of Transaction for Conditio Numeric [5] Set upthe number of transactions that can be compressed for This field is enabled only if the Yes
Compression nal passbook transaction printing. Compression check box is selected.
This field is enabled only if the Compression check box is Once the check box is selected, this field
selected. Once the check box is selected, this field becomes becomes mandatory.
10
mandatory.
The minimum number of transactions that can be compressed
are three.
Threshold Count of Days for Conditio Numeric [5] Set up the number of days of transactions that can be This field is enabled only if the Yes
Compression nal compressed. Compression check box is selected.
This field is enabled only if the Compression check box is Once the check box is selected, this field
selected. Once the check box is selected, this field becomes becomes mandatory.
10
mandatory.
The minimum days of transactions that can be compressed are
three.
SI Max retries Yes Numeric [2] Set up the maximum number of retries that the system should Yes
make in case of failure of a standing instruction.
The maximum number of retries allowed is nine. Retries take 3
place at Beginning of Day (BOD) on successive days.

Minimum Balance Required Yes Numeric Set up the amount that should be maintained as the minimum Yes
[13,2] balance in the account.
This balance, in the product currency, is the minimum balance
required on accounts with no ATM and cheque facilities. A
500.00
transaction which results in decrease of the account balance
below the specified amount will require an override.
Min. Bal with Chqbk Fac. No Numeric Set up the minimum balance to be maintained in the account This field is enabled if the Cheque Book Yes
[13,2] when availing the cheque book facility. check box is selected.
This field is enabled if the Cheque Book check box is selected. 600.00
Min Balance with ATM Fac. Yes Numeric Set up the amount that should be maintained as the minimum This field is enabled if the ATM check Yes
[13,2] balance in the account to avail the ATM facility. box is selected.
Minimum balance required in an account with ATM and cheque
book facility is the maximum of three minimum balances namely
0.00
Minimum balance, Min Bal with Chqbk facility and Min Balance
with ATM facility.
This field is enabled if the ATM check box is selected.
Minimum Trading Balance Required No Numeric Set up the minimum amount that should be maintained for Yes
700.00
[13,2] trading.
Minimum Balance for sweep in Conditio Numeric Set up the minimum amount to be maintained if sweep in This field is enabled when the field Yes
nal [13,2] instruction is set up for an account. Default Sweep in Min Bal for Sweep
By default this field displays the amount as zero. Instruction is selected.
If the user modifies the minimum balance for sweep in, then it
will be applicable to new accounts to be opened under the
product. Old accounts under the product will not have any 1,000.00
impact of the same.
This field is enabled only if the Default Sweep in Min Bal for
Sweep Instruction check box is selected.
Daily Interbranch Withdrawal Limit Yes Numeric Set up the daily interbranch withdrawal limit. The system validates the cumulative Yes
[13,2] The system validates the cumulative daily interbranch daily interbranch withdrawal done by the
withdrawal done by the customer against the value in this field. customer against the value in this field.
For example, if the value in this field is 10000, and the customer
withdraws 6000 in the morning, the system allows the
transaction to take place. If the customer tries to withdraw
another 6000 in the evening the system does not allow the
transaction to take place as the cumulative withdrawal has
exceeded the daily interbranch withdrawal limit.
Ac Ledger Retention Days Yes Numeric [3] Set up the number of days for which the account ledger entries Yes
have to be maintained in the system, after the transaction date
account has been closed.
The account ledger and passbook entries will be retained in the
system for these many days after the transaction posting day or 999
after the account has been closed. System will post a
consolidated row on the account for all transactions which are
going to be purged.
No. of Cheques for Reorder Yes Numeric [2] Set up the number of cheque leaves remaining in a cheque Yes
book after which message needs to be displayed to the teller at
the time of branch transactions on the account.
The system will display an online message to the teller for all
online cheque withdrawals when the outstanding number of 10
cheques in the account is less than this level so that manual re-
order of cheque book can be done by the teller.
Max. No. of Accounts per Customer No Numeric [2] Set up the maximum number of accounts that can be opened Yes
under a product for the customer.
The data entered in this field will limit the number of accounts of
a customer under this product.
99
By default, zero is displayed. It means that there is no limit on
the number of accounts that the customer can open under this
product.
Minimum Average Daily Balance No Numeric [5,2] Set up the minimum average daily balance for a particular Yes
product.
The calculation of this average daily balance will be for the 0.00
same period as the period used in calculating the periodic
average balance for each account.
Cheque Book Facilities

Cheque Threshold Limit Frequency Conditio Drop-Down Select the cheque threshold limit frequency from the drop-down Yes
nal list. ✘
This field contains the period during which the field ‘Cheque
book Threshold Limit’ will be validated. For e.g. if the number of
cheque leaves to be issued for product A in a quarter is 75, then
the field ‘Cheque Book Threshold limit’ will be set as 75 and the
‘Cheque book Threshold Limit’ frequency will be set as quarterly
Cheque Threshold Limit Conditio Numeric[5] Type the cheque threshold limit. Yes
nal This field signifies the number of cheques that can be issued to
an account in a specified period. This field is enabled only if 1
cheque book facility is available for that particular product
Daily Cheque Threshold Limit Conditio Numeric [5] Select check box if compression is required in the account Yes
nal which is opened under this product. ✘
By default, this field will be checked and can be modified as per
the product requirement."
Flag On Par No Check Box Select this check box to allow Payable at Par facility on the Yes
10
accounts opened under the product
General Ledger
General Ledger Codes
Asset Balances Yes Numeric [9] Set up the general ledger (GL) code for recording negative Yes
balance accounts.
All the negative (asset) balance accounts under this product will
report to this GL code. If the CASA account has turned negative
from a positive balance due to overdrawing the balance in the
liability balances GL for the corresponding account will become 121020300
zero and the negative balance will be transferred to the asset
balances GL.
This is an asset type GL.
Suspended Asset Yes Numeric [9] Set upthe GL code for suspended assets. Yes
A non-performing account is called a suspended account. The
asset balances of the non-performing accounts under this 121020310
product will report to this GL code.
Interest Receivable Yes Numeric [9] Set up the GL code to which the interest receivable amounts are Yes
to be posted.
During debit interest accrual on normal accounts with a negative
balances, this GL account is debited and the interest income GL
for this product is credited. During capitalisation, entries are
reversed from this GL and posted to asset/liability GL. 150011000
This GL account is credited and the customer account and the
corresponding asset/liability GL account are debited when the
interest is capitalized on the account.
Suspended Interest Receivable Yes Numeric [9] Set upthe GL code for recording interest receivable amount on Yes
suspended accounts with.
During debit interest accrual on suspended accounts with
negative balances, this GL account is debited and the
suspended interest income GL for this product is credited.
During capitalisation, entries are reversed from this GL and
posted to Suspended asset/liability GL.
When an account turns non-performing and if the clawback
facility is enabled, all the pending interest arrears are 150090200
transferred to this GL.
This GL is debited and the interest receivable GL is credited
when the pending interest arrears are transferred. When
account reverts to normal state, the reverse will be done.
This could either be an asset or a liability type of GL.
Interest Income Yes Numeric [9] Set up the GL code for recording income earned from normal Yes
This GL account is credited and the interest receivable GL
account is debited at the time of debit interest accrual on a 310102000
normal account with a negative balance. This is an income type
GL.
Suspended Interest Yes Numeric [9] Set upthe GL code for recording income earned from Yes
suspended accounts under this product.
This GL account is credited and the suspended interest
receivable GL account is debited at the time of debit interest 250110200
accrual on a suspended account.
This is an liability type GL.

Legal Fees Yes Numeric [9] Set upthe GL code for recording legal fees incurred on normal Yes
accounts belonging to this product.
This GL account is credited and the customer account is debited
when the legal fees are raised through common billing. 250090300
This is a asset type GL.
Suspended Legal Fees Yes Numeric [9] Set up the GL code for recording legal fees incurred on Yes
suspended accounts belonging to this product.
This GL account is credited and the customer account is debited
when the legal fees are raised through common billing.
When an account turns non-performing and if the clawback
facility is enabled, the legal fees GL is debited to the extent of
the fees arrears and this GL is credited. When account reverts 150052100
to normal state, the reverse will be done. For any further fees
accruals through common billing the customer account is
debited and this GL is credited.
Outgoings Yes Numeric [9] Set up the GL code for recording outgoings incurred on normal Yes
accounts belonging to this product.
Outgoings pertain to amounts collected by the bank on behalf of
another agency, for example, Insurance Premium. This GL
account is credited and the asset / liability GL account is debited
250090400
when the outgoings are raised through common billing.
This is a liability type GL.
Suspended Outgoings Yes Numeric [9] Set up the GL code for recording outgoings incurred on When an account turns non-performing Yes
suspended accounts belonging to this product. and if the clawback facility is enabled, the
Outgoings pertain to amounts collected by the bank on behalf of outgoing fees GL is debited to the extent
another agency e.g. Insurance Premium. This GL account is of the suspended outgoings arrears and
credited and the suspended asset / liability GL account is this GL is credited. This field is
debited when the outgoings are raised through common billing. applicable only if the Product Type is
When an account turns non-performing and if the clawback Asset.
facility is enabled, the outgoing fees GL is debited to the extent
of the suspended outgoings arrears and this GL is credited. For 250090700
any further outgoing fees accruals through common billing the
customer account is debited and this GL is credited. When
account reverts to normal state, the reverse will be done.
This could either be an asset or a liability type of GL.
Liabilities Balances Yes Numeric [9] Set up the GL code for recording positive balance accounts. Yes
The balances of all the positive balance (liabilities) accounts will
be recorded in this general ledger code.
This GL account is credited when the customer account has a
credit balance and there is a credit to the account.
If the CASA account has turned positive from a negative
balance due to deposit, the balance in the Asset balances GL
210101100
for the corresponding account will become zero and the positive
balance will be transferred to the Liability balances GL.
Suspended Interest Recovered Yes Numeric [9] Set up the GL code for recording suspended interest recovered Yes
from suspended accounts under this product.
When credits are made to suspended accounts for recovery of
interest, the suspended interest is debited to the extent of
recovery and this GL is credited.
This GL is affected when an account turns non-performing and 34005000
there is a credit to the account for recovery of interest. The
appropriate GL is debited to the extent of the interest recovery
and this GL is credited.
This is an income type of GL.
Interest Payable Yes Numeric [9] Set up the GL code for recording interest payable amount on Yes
accounts.
During credit interest accrual on accounts with positive
balances, this GL account is credited and the interest expense
GL for this product is debited. 250031000
During capitalisation, entries are reversed from this GL and
posted to asset/liability GL.
This is a expense type of GL.

Write-Off Yes Numeric [9] Set up the GL code for recording write off entries on accounts Yes
belonging this product.
When an account is written off, the Write off GL is affected to the
extent of the asset balance in the CASA account less the 420602800
provision made already for that account.
This is an expense type GL.
Interest Expense Yes Numeric [9] Set up the GL code for recording credit interest applied on Yes
During credit interest accrual on accounts with positive
balances, this GL account is debited and the interest payable 410101000
GL for this product is credited.
This is an expense type of GL.
Bad Reserve Yes Numeric [9] Set up the GL code for recording bad debts reserve (provisions) Yes
for accounts under this product.
During provisioning, the Interest Income GL is debited and this
GL is credited. 250490000
This GL will have the provision done for an NPL account.
Interest Compounded Conditio Numeric [9] Set up the GL for recording the compounded interest on This field is mandatory for recurring Yes
nal recurring deposit account. deposit product. It wil be liability type of
On compounding, Interest payable GL will be debited and GL 222000003
Interest compounded GL will be credited
Unclaimed Deposits Yes Numeric [9] Set up the GL code for recording unclaimed amounts on Yes
accounts under this product. The balances
of all the unclaimed accounts will be recorded in this general
ledger code.
During unclaimed processing, the credit balance of an
unclaimed dormant account gets transferred to this GL account,
after the unclaimed deposit period is over. The unclaimed
212109100
deposit period is specified in the Unclaimed Transfer Value
field in the Facilities tab.
This GL account will be credited and the liability account will be
debited with the unclaimed balance.
This is a liability type of GL.
Cheque Purchase Interest No Numeric [9] Set up the GL code for recording interest income due to cheque Yes
purchase done on accounts under this product. 340050000
This is an income type GL.
Tax Absorbed 1 No Numeric [9] Set up the GL code for recording tax absorbed 1 by the bank on Yes
the interest payable.
When the GL code is mentioned in this field, for all the accounts
under that product the system will deduct the respective tax 1
on the taxable interest earned by the account, from this GL. The
account will not have any entry for the tax deduction and it will
get the full interest amount without tax deduction. 0
This field is mandatory only if the bank absorbs the tax 1.
Otherwise, enter '0' in this field.
Tax Absorbed 2 No Numeric [9] Set up the GL code for recording tax absorbed 2 by the bank on Yes
the interest payable.
When the GL code is mentioned in this field, for all the accounts
under that product the system will deduct the respective tax 2
on the taxable interest earned by the account, from this GL. The
account will not have any entry for the tax deduction and it will
get the full interest amount without tax deduction. 0
This field is mandatory only if the bank absorbs the tax 2.
Otherwise, enter '0' in this field.
SC Max. Amount Diff GL Yes Numeric [9] Set up the GL code for recording maximum amount of service Yes
charge incurred on the accounts belonging to this product. 410203000
SC Min. Amount Diff GL Yes Numeric [9] Set up the GL code for recording minimum amount of service Yes
charge incurred on the accounts belonging to this product. 0
Suspended SC Conditio Numeric [9] Set up the GL code for recording service charge incurred on No
0
nal suspended accounts belonging to this product.
Commitment Fee Income Yes Numeric [9] Set up the GL code for credit of commitment fee levied to OD
accounts in regular status. 340050000
This is an income type of GL
Suspended Commitment Fee Yes Numeric [9] Set up the GL code for credit of commitment fee levied to OD
account in suspended status. 210101100
This is a liability type of GL.
GL Codes - Tax Withheld 1
Base Tax Conditio Numeric [9] Set up the GL code for crediting the base tax collected on Tax It is mandatory for recurring deposit Yes
244200006
nal Code 1 product if TDS flag is checked

Additional Tax 1 Conditio Numeric [9] Set up the GL code for crediting the additional tax 1 collected on It is mandatory for recurring deposit Yes
244200007
nal Tax Code 1 product if TDS flag is checked
244200007
GL Codes - Tax Withheld 2
Base Tax Conditio Numeric [9] Set up the GL code for crediting the base tax collected on Tax It is mandatory for recurring deposit Yes
244200006
nal Code 2 product if TDS flag is checked
244200008
244200008
Statement and Advices
Statement Parameters
SC Analysis Flag No Check Box Select the check box to get a split of the consolidated services Yes
charges applied on the account. The breakup can be viewed in ✘
a separate report.
Statement Frequency Yes Drop-Down Select the statement frequency from the drop-down list. The valid statement frequency can be Yes
It is the time frequency or interval at which the account one of the following options: Monthly
statement should be generated.
Daily If the user selects Daily, the time frequency of the account
statement is set as daily.
Weekly If the user selects Weekly, the time frequency of the account
statement is set as weekly.
Fortnightly If the user selects Fortnightly, the time frequency of the
account statement is set as fortnightly.
Monthly If the user selects Monthly, the time frequency of the account
statement is set as monthly.
Bi-Monthly If the user selects Bi-Monthly, the time frequency of the
account statement is set as bi-monthly.
Quarterly If the user selects Quarterly, the time frequency of the account
statement is set as quarterly.
Half-Yearly If the user selects Half-Yearly, the time frequency of the
account statement is set as half-yearly.
Yearly If the user selects Yearly, the time frequency of the account
statement is set as yearly.
Statement to all Inactive Accounts No Check Box Select the check box if the statement is to be generated for all Yes
the accounts on which no transactions have been posted during ✘
the statement cycle.
Branch Name Address Flag No Check Box Select the check box if the appearance of branch name and Yes
address is desired on the statement.
The name and the address of the branch where the CASA ✘
account for the product is opened and maintained will appear on
the statement.
Year To Date Number Flag No Check Box Select the check box if the generated statement must display Yes
the number of occurrence of the statement within a year i.e.
whether the statement generated is first or tenth, etc. within the
duration of the year.
Account Closing Statement No Check Box Select the check box if the statement is to be generated after Yes
the account closure procedure.
No of free statements per statement No Numeric [3] Yes
Enter the number of free duplicate periodic statements
allowed per statement.
If the customer prints more statements than the allowed 12
count, an SC charge will be levied.
Default value in this field will be 999
No of free statements per cycle No Drop-Down Yes
Enter the number of free duplicate periodic statements

per cycle.
Cycle can be:
• Monthly
• Bi-monthly
• Quarterly
• Half yearly Monthly
• Yearly
If duplicate periodic statements printed by the customer
exceeds the number defined in this field, SC will be
charged to the customer.
Default value in this field will be 999
Monthly If the user selects Monthly, then free statements will be

generated monthly.
Bi-Monthly If the user selects Bi-Monthly, then free statements will be
generated monthly.

Quarterly If the user selects Quaterly, then free statements will be
generated monthly.
Half-Yearly If the user selects Half-Yearly, then free statements will be
generated monthly.
Yearly If the user selects Yearly, then free statements will be
generated monthly.
DMS purging frequency No Drop-Down Yes
Select the Frequency at which periodic statement stored

in DMS will be purged. This period will be counted from
the document upload date.The options are:
• None Days
• Days
• Months
• Years
None will be default value. None option will be interpreted
as not applicable.
None
Days
Months
Years
Statement Generation Basis Yes Drop-Down Yes
Select the statement generation basis on which all the
account statements should be generated from the drop-
down list.
The options are:
• Anniversary
• Calendar Anniversary
Though the statements shall be generated on the
deferred day, it will contain transactions only till the month
end.
For the values greater than 25, the statements will be
generated during end of month runs
Calendar If this option is selected then statement will be generated at

month-end.
Anniversary If this option is selected then statement will be generated on
Rate Change Advices
Generate Rate Change Intimation No Check Box Select the check box to generate the rate change intimation for Yes
accounts. ✘
Lead Days for Intimation Conditio Numeric [2] Set up the lead days for intimation. The advice will be generated This field is enabled only if the Generate Yes
nal these number of days before a future dated rate change. Rate Change Intimation check box is
This field is enabled only if the Generate Rate Change selected. 10
Intimation check box is selected.
Notice Format Parameters

SI Failed Notice Format Yes Numeric [3] Set up the format in which the advice for the failure of the Yes
standing instruction execution is to be generated during the End 206
of Day (EOD) process. The default value is 206.
Insufficient Funds Advice Format Yes Numeric [3] Set upthe format in which the insufficient funds advice will be Yes
generated. An insufficient fund advice is generated at EOD if the 210
account does not have the minimum balance.
Tax Deduction Notice Format Yes Numeric [3] Set up the format in which the TDS notice will be generated. This field is applicable only if the Tax Yes
The TDS notice will be generated during EOD process if TDS is Deduction at Source Flag is Yes.
applicable and is deducted for an account. 209
Reminder Plan Code Yes Pick List Set upthe reminder plan code from the pick list. The advice is generated when the Yes
It is the plan code for the generation of payment reminders. The payment is outstanding on the account
advice is generated when the payment is outstanding on the for a number of days greater than
account for a number of days greater than number of days number of days specified for the
specified for the generation of an advice as specified in the generation of an advice as specified in 98
reminder plan code. the reminder plan code.
For more information, refer to Reminder Plan Maintenance
(Fast Path: BAM44) option.
Minimum arrear for reminder Yes Numeric [10] Set up the minimum amount after which reminder is generated. Reminder will be generated only if the od Yes
Reminder will be generated only if the od limit - book balance for limit - book balance for the account is
the account is below this amount. below this amount. 0
Minimum arrear for TOD/Overline report Yes Numeric [10] Set up the minimum amount for which TOD or Overline report Yes
0
has to be generated.
Credit Line

OD Notice Format Yes Numeric [3] Set upthe format in which the OD notice will be generated. OD No
notice is generated for accounts whose balance falls within the
OD limit ceiling. 205
The system generates an advice stating that there is a balance
outstanding in the customer’s account.
Overdraft Notice Past Due Days Yes Numeric [3] Set up the number of overdraft notice past due days. A notice No
will be sent to the customer after the mentioned number of days 10
after the expiry of the OD.
Limit Exp. Notice Format Yes Numeric [3] Set up the format in which the limit expiry notice will be This notice is generated when a CASA No
generated. This notice is generated when a CASA OD limit is OD limit is going to expire within the
going to expire within the number of days specified in the Cr number of days specified in the Cr Line 207
Line Exp Notice Lead Days field. Exp Notice Lead Days field.
Cr Line Exp. Notice Lead Days Yes Numeric [3] Set upthe number of credit line expiry notice lead days. No
A notice will be sent to the customer before the specified 10
number of days prior to the expiry of the credit line.
SI Advice
SI Credit Advice Format Yes Numeric [3] Set up the format in which the SI credit advice will be generated. No
The system generates the SI credit advice for the beneficiary’s
account after the successful execution of the standing 0
instructions.
SI Debit Advice Format Yes Numeric [3] Set up the format in which the SI debit advice will be generated. Yes
The system generates the SI debit advice for the provider’s
account after the successful execution of the standing 219
instructions.
Uncleared Funds Advance Line

Expiry Notice Format Yes Numeric [3] Set up the format in which the uncleared funds expiry notice will No
be generated.
The system will generate an advice in this format before Expiry 208
Notice Lead days of expiry of the Advance against Uncleared
funds on the account.
Expiry Notice Lead Days Yes Numeric [3] Set up the number of uncleared funds advance expiry notice No
lead days.
A notice will be sent to the customer, the specified number of 10
days prior to the expiry of the uncleared funds advance line.
Welcome Letter Format Advice

Welcome Letter Format Code Yes Drop-Down Select the format code for welcome letter for the No
accounts opened under this product from the drop-down 227
list
Exception
Exception Reporting Parameters
Large Credit Transaction Amount Yes Numeric Set up the large credit transaction amount. Yes
[13,2] Any single credit transaction in an account above the amount
specified, it will be displayed in the large credit transaction 500,000,000.00
report.
Large Debit Transaction Amount Yes Numeric Set up the large debit transaction amount. Yes
[13,2] Any single debit transaction in an account above the amount
specified, it will be displayed in the large debit transaction 500,000,000.00
report.
Large Credit Balance Amount Yes Numeric Set up the large credit balance amount. Yes
[13,2] If the credit in the book balance of any account exceeds the
amount specified, it will be displayed in the large credit balances 1,000,000,000.00
report.
Large Debit Balance Amount Yes Numeric Set up the large credit balance amount. Yes
[13,2] If the credit in the book balance of any account exceeds the
amount specified, it will be displayed in the large credit balances 500,000,000.00
report.
Large Credit Movement Yes Numeric Set up the large credit variation amount for the selected CASA Yes
[13,2] product.
If there is a large credit variation in the balance of the account
owing to single or multiple credits exceeds the specified value, it 1,000,000.00
will be displayed in the large credit movement report.
Large Debit Movement Yes Numeric Set up the large debit variation amount for the selected CASA Yes
[13,2] product.
If any large debit variation in the book balance owing to
single/multiple debits in any account exceeds the value 5,000,000.00
specified, it will be displayed in the Large Credit
Movement Report.

Insignificant Balance Yes Numeric Set up the insignificant credit balance amount for the selected Yes
[13,2] CASA product.
If any account has a credit balance that is less than the amount 500000.00
specified, then those accounts will be displayed in the
Insignificant Balances Report.
Cash Deposit Limit

Cash Deposit Daily Limit No Numeric Enter the maximum cash deposit which can be allowed No
500000.00
for a day
Cash Deposit Annual Limit No Numeric Enter the maximum cash deposit which can be allowed No
1,00,000.00
for a year
Common Parameters
Advertising Message No Alphanumeric Set up an advertising message. Yes
[72] The message serves as the marketing slogan for the product BANKING NOW A
and gets printed on all the customer advices under that PLEASURE
particular product.
TDS Flag Conditio Check Box Select the TDS Flag check box if tax is deducted at source. All All the accounts opened under this No
nal the accounts opened under this product will be subjected to product will be subjected to TDS if the
TDS if the flag is checked. flag is checked. ✘
This field is enabled if the CASA or Recurring Deposit option This field is enabled if the CASA or
is selected in the Product Classification field. Recurring Deposit option is selected in
the Product Classification field..
Tax Currency Conditio Drop-Down Select the tax currency from the drop-down list. This field is enabled only if TDS flag is No
nal This field is enabled only if TDS flag is selected. This is the selected.
currency in which tax is remitted from the account. It will be INR
defaulted to local currency of the Bank.
Rounding Method for TDS No Drop-Down Select the rounding method from the drop- down list. No
Raise
Raise
Cutoff
Round
Nearest Amount to Round for TDS No Drop-Down Select the appropriate nearest amount to round from the drop- No
down list. 100
1
10
100
1000
Expiry Date No Date Set up the expiry date for the product from the pick list. No new accounts can be opened under Yes
(dd/mm/yyyy) No new accounts can be opened under the product once it has the product once the product has
expired. The existing accounts can continue to exist even after expired. 1/1/2009
product expires.
Funds Utilization Sequence Yes Drop-Down Set up the sequence of fund utilization from the drop-down list. Yes
It is a combination of six values representing following meaning:
• B - Funds from Available balance excluding OD limit/lines
• O -Funds from OD Limit
• S - Funds from Sweep-in
• A - Funds from Advance against unclear funds
• T - Funds from Temporary Over Draft (TOD) BOSATV
• V - Funds from Overline
Withdrawals Allowed No Numeric [5] Set up the maximum number of withdrawals allowed in a month. Yes
Customer originated debits to an account done by cash or
cheque or any other transaction will affect this counter. 9999
Stop Interest Accrual at Dormancy No Check Box Select the check box to stop the interest accrual once the Yes
account becomes dormant. ✘
PDC Plan Code Yes Pick List Set up the post dated cheque (PDC) plan code. No 0
Document Plan Code No Pick List Set up the document plan code to be attached to the CASA Yes
144
product from the pick list.
Dormancy Transfer Unit Yes Drop-Down Selectthe dormancy transfer unit from the drop-down list. The valid dormancy transfer unit can be Yes
It is the unit in which the dormancy transfer value should be one of the following options: M
read.
M If the user selects M, the dormancy transfer value is read in
months.
Y If the user selects Y, the dormancy transfer value is read in
years.
D If the user selects D, the dormancy transfer value is read in
days.

Dormancy Transfer Value Yes Numeric [3] Set up the number of dormancy transfer units after which an Yes
account will be converted to a dormant account.
An account becomes dormant after a specified period if no 0
transactions are performed on an account by the customer
within that period
Unclaimed Transfer Value Yes Numeric [3] Set up the number of unclaimed transfer units. Yes
A dormant account will be closed and the balance will be
transferred to the Unclaimed Deposits GL account after the
unclaimed transfer period. The unclaimed transfer value is
inclusive of the dormancy transfer value. For example,
• Dormancy transfer unit – Months
• Dormancy transfer value – 3
• Unclaimed transfer value – 6
The customer opens an account on January 1 2004. He does 999
not perform any transactions on the account. The system will
change the status of the account to dormant on March 31, 2004.
The system will close the account and transfer the balance of
the account to the Unclaimed Deposits GL on June 30, 2004.
Dormancy Lead Days Yes Numeric [3] Set up the number of days that forms the basis of identification Yes
of accounts prior to dormancy.
The system uses this value in validating the dormancy period at
the product level, i.e., the user will not be able to maintain at the 0
product level a dormancy period which is lesser than these lead
days.
Inoperative Advice Unit Yes Drop-Down Yes

Select the unit in which the inoperative transfer value
should be read from the drop-down list.
The options are:

0
• D-Day
• M-Month
• Y-Year
• M - Month
• Y - Year
• D - Day
Inoperative Advice Value Yes Numeric [3] Yes
Type the number of inoperative transfer units after which

an account will be treated as an inoperative account.
0
The system will allow maintaining days or months more
than 31 or 12 respectively in respective fields. The
inoperative transfer value will not be equal to or greater
than the dormancy transfer value maintained.
Asset Classification Preferences
Classification Preferences Plan Code Yes Pick List
Select the classification preferences plan code, which will

be applicable to the product, from the pick list. A
preference plan code of the classification preferences,
determines the preference set for the product with
respect to CRR movement, provisioning, and claw-back.
The Preference plan codes are defined in the Asset

Classification Preferences (Fast Path: ACM02). The
value defined here can be overridden in the Account
level, Asset Classification Preferences (Fast Path:
AC001).
Classification Required Yes Check Box
This field defines if the classification would be needed to

be undertaken for all accounts.
If the Classification Required field is selected, then the
fields, Classification Preferences Plan Code,
Classification Criteria Plan Code and Provision Plan code
are enabled for input.
If the Classification Required field is not selected, then

the fields, Classification Preferences Plan Code,
Classification Criteria Plan Code, and Provision Plan
code are disabled for input.
The value defined here can be overridden in the Account

AC001).

Allowed LTV Percentage No Numeric [3]
This is the max LTV Value up to which the actual LTV
value for accounts can fluctuate. For accounts having
actual LTV greater than the defined value, system will
classify the same based on LTV percentage criteria. The
value should be greater than zero.
Classification Criteria Plan Code Yes Pick List
Select the appropriate classification criteria plan code

from the pick list. The Criteria Plan codes are defined in
the Asset Classification Plan Maintenance (Fast Path:
ACM05).
A classification plan code specifies various criteria

applicable for governing asset classifications.
Classification on an account can be undertaken on one
or more criteria namely number of days for which the
arrears are overdue, inactivity in the account for a
predefined period, TOD/Overline and LTV breach
condition on the account, and so on.

AC001)
Include in Equalization No Check Box
This field indicates if the product is to be included from

customer CRR equalization.
If the check box is selected, then all the accounts under

this product will take part in equalization to derive the
Customer CRR.
If the check box is not selected, then all the accounts

under this product will not take part in equalization to
calculate the Customer CRR.

AC001).
Provision Plan Code Yes Pick List
Select the appropriate provision plan code from the pick
list.
The Provision Plan codes are defined in the Provision
Plan Maintenance (Fast Path: ACM22). The value
defined here can be overridden in the Account level,
Asset Classification Preferences (Fast Path: AC001).
Contingent Details
Contingent Details
Pass Contingent Entries Conditio Check Box Select the check box to pass contingent entries as per the This check box is enabled only if the Yes
nal event/transaction. Asset option is selected in the Product ✘
This check box is enabled only if the Asset option is selected in Type field.
the Product Type field.
Contingent Asset GL Conditio Numeric [9] Set up the contingent asset GL code. This field is enabled only if the Pass Yes
nal This field is enabled only if the Pass Contingent Entries check Contingent Entries check box is 519010000
box is selected. selected.
Contingent Liability GL Conditio Numeric [9] Set up the contingent liability GL code. This field is enabled only if the Pass Yes
nal This field is enabled only if the Pass Contingent Entries check Contingent Entries check box is 601000000
box is selected. selected.
Contingent Frequency No Display This field displays the contingent frequency. Yes
RD
Installment amount
Minimum Yes Numeric Set up the minimum amount per installment for the accounts This field is applicable only if the RD Flag
[13,2] under the product. This field is applicable only if the RD Flag is is Yes. 10,000.00
Yes.
Maximum Yes Numeric Set up the maximum amount per installment for the accounts
100,000.00
[13,2] under the product.
Incremental Yes Numeric Set up the incremental amount per installment for the accounts
5,000.00
[13,2] under the product.
Drawdown Instructions
Drawdown Execution for Holiday Yes Drop-Down Select the drawdown day in case the drawdown execution day The valid drawdown execution day can
duedates on is a holiday. be one of the following options:
Drawdown from CASA will happen on the Next Working Day or Next Working Day
Previous Working day based on this settings if the installment
falls due on a holiday.

Next Working Day If the user selects Next Working Day,the drawdown day will
happen on the next working day of the holiday.
Previous Working Day If the user selects Previous Working Day,the drawdown day
will happen on the previous working day of the holiday.
Max. No. of Retries Yes Numeric [3] Set up the maximum number of retries allowed. The maximum
number of retries which should be 2
undertaken by the system in event of drawdown failure.
Term Parameters
Term Unit Yes Drop-Down Select the unit in which the term of the RD will be defined. This This field is applicable only if the RD Flag
field is applicable only if the RD Flag is Yes. is Yes. The valid term unit
can be one of the following options: Year
Month If the user selects Month, the term of the RD is set as month.
Year If the user selects Year, the term of the RD is set as year.
Week If the user selects Week, the term of the RD is set as week.
Daily f the user selects Daily the term of the RD is set as days
Min Term Yes Numeric [3] Set up the minimum number of term units allowed for the
1
accounts under the product.
Max Term Yes Numeric [3] Set up the maximum number of term units allowed for the This field is applicable only if the RD Flag
accounts under the product. This field is applicable only if the is Yes. 2
RD Flag is Yes.
Minimum Lock-in Period Yes Numeric [3], Select the unit in which the minimum lock-in period of the RD This field is applicable only if the RD Flag
Drop-Down account will be defined. is Yes. If this parameter is
This parameter will be referred when premature RD account non-zero term, then it will not allow to
closure will be initiated. prematurely close the RD account before
0, Days
If this parameter is non-zero term, then it will not allow to this term. The valid
prematurely close the RD account before this term. minimum lock-in period can be one of the
following options:
Days If the user selects Days, the minimum lock-in period can be
defined in days.
Months If the user selects Months, the minimum lock-in period can be
defined in months.
Years If the user selects Years, the minimum lock-in period can be
defined in years'.
Other RD Parameters
Installment Frequency Yes Drop-Down Select the instalment frequency of RD. This field is applicable This field is applicable only if the RD Flag
only if the RD Flag is Yes. is Yes. The valid installment frequency
can be one of the following options: Monthly
Monthly If the user selects Monthly, the installment frequency of RD will

take place monthly.
Bi-Monthly If the user selects Bi-Monthly, the installment frequency of RD
will take place bi-monthly.
Quarterly If the user selects Quarterly, the installment frequency of RD
will take place quarterly.
Half-Yearly If the user selects Half-Yearly, the installment frequency of RD
will take place half-yearly.
Yearly If the user selects Yearly, the installment frequency of RD will
take place yearly.
Weekly If the user selects Weekly, the installment frequency of RD will
take place weekly.
Bi-Weekly If the user selects Bi-Weekly, the installment frequency of RD
will take place bi-weekly.
Daily If the user selects Daily, the installment frequency of RD will
take place bi-weekly.
Rest Period Basis Yes Drop-Down Select the basis for rest period. The valid rest period basis can be one of
Annivresary
Anniversary Anniversary is supported in IBA and EAB type of Maturity Value
computation.
Calendar Calendar is supported in RBTT type of Maturity computation.

Partial payment Allowed No Check Box Select the checkbox to enable the payment of an installment
amount different from the regular outstanding installment
amount & penalty.
If the check box is not selected, it will not allow to do the partial
installment payment of outstanding individual installment
amount & the penalty applicable for the same.
In first case, whatever payment has been made will be applied
to due installments if it is sufficient to knock off one full
installment. Else it will sit in the advance payment.
Holiday Grace Days Facility No Check Box Select the check box to enable the system not to charge penalty
if installment due date is a holiday and customer makes
payment on next working day.
If the check box is not selected,then it will charge penalty as per
the grace days parameter of the product.
Partial Redemption Allowed No Check Box This is applicable only for Flexi Saver product class. Select the
checkbox to allow partial redemption on RD account.
Minimum Balance for Partial Conditio Numeric This is enabled only if Partial Redemption Allowed flag is
redemption nal checkedInput the amount that should be available in RD after 1,000.00
Part withdrawal
Interest Calculation Method Conditio Drop-Down Select the method to be used for interest calculation. The valid interest calculation method can
Flexible RD
nal be one of the following options:
Actual If the user selects Actual, the interest will be computed on the
actual balance.
Daily Deposit This is applicable only for Daily Deoposit type of RD. This
method will take in account the least of expected and actual
balance base of the account and will calculate simple interest on
the same.
Late Penalty Calculation Basis Yes Drop-Down Late penalty calculation basis will be defaulted to A/c closure
None
and disabled
A/c Closure Penalty is calculated on account closure.
Maturity Value Routine Yes Drop-Down Set up the maturity value routine to be used to compute the
maturity value of the RD.
For example: ap_ch_rd_eab_comp_int ,
ap_ch_rd_iba_comp_int, ap_ch_rd_rbtt_comp_int
None
are different routines used for RD maturity computation.
Maturity value routine will be defaulted to
ap_ch_rd_iba_comp_int
Penalty Rate-Control Flag Conditio Drop-Down Select the type of penalty rate to be used for the product. The valid type of penalty rate can be one
Floating
nal of the following options:
Fixed Fixed Penalty rate is allowed for EAB type of Maturity value
computation.
Floating Floating penalty rate is allowed for IBA and RBTT type of
Maturity value computation.
Premature Penalty Routine Yes Drop-Down Setup the premature penalty routine applicable of RD
product class. Different penalty routines are available for ap_ch_rd_dailyrd_p
different RD producr classes enalty
RD Matured GL Yes Numeric [9] Set up the GL account to which the RD amount is 212108100
transferred after maturity.
Late Penalty Income GL Conditio Numeric [9] Set up the GL account number to which the penalty amount is This field is not applicable if the Flexible
nal transferred after maturity. This RD option is selected in the Interest
field is not applicable if the Flexible RD option is selected in the Calculation Method field. 0
Interest Calculation Method field.
Extend Maturity On Late Payment No Check Box Select the check box if the maturity date of the accounts falling It will be un-checked and disabled
under this product is to be extended by one installment
frequency from the date of payment, in case the last installment
payment happens after the grace period. This is applicable in
case the last installment is paid late.
PMI Applicable No Check Box

Select the checkbox to calculate Post Maturity interest on
the matured RD accounts opened under the product.
PMI Expense GL Yes Numeric [10]

Enter the Post Maturity Interest Expense GL.
This field will be enabled only when flag 'PMI(Post

Maturity Interest) Applicable” is ticked.

PMI Index Code No Numeric [10]
Select the Post Maturity Interest Index Code from the
picklist.
This field will be enabled and mandatory only when flag

'PMI Applicable” is ticked.
Other RD Parameters
Non-Payments Allowed for Exception No Numeric This is applicable only for Flexi Saver product class. Input the
Processing number of the consecutive nonpayment that should be allowed. 3
Non Payment Allowed to Block the No Numeric This is applicable only for F+D348lexi Saver product class.
account Input the number of consecutive nonpayment, post which the 30
account should be blocked+D369
No. of times of Fixed Installment Yes Numeric
Amount
Enter the maximum installment amount allowed in
multiples of the fixed installment amount
The maximum installment amount in multiples of the fixed 0.00
installment amount and the maximum amount mentioned
in the field Maximum amount will be validated. Smaller of
the two will be allowed for payment in the account.
Flexible Payment Duration Yes Drop-Down

Select the duration for which the allowable flexible
installment payment will be validated.
The duration will be calculated from the process date on
which flexible installment payment is being done.
The options are:
• Month Month
• 2 Months
• Quarter
• Half-Year
• Year
• Week
• Fortnight
Month If the user selects Month, then duration of allowable installment

payment can be done during one month.
2 Months If the user selects 2 Months, then duration of allowable
installment payment can be done during one month.
Quarter If the user selects Quarter,then duration of allowable installment
Half-Year If the user selects Half-Year, then duration of allowable
Year If the user selects Year, then duration of allowable installment
Week If the user selects Week, then duration of allowable installment
Fortnight If the user selects Fortnight, then duration of allowable
Minimum Flexible Amount Yes Numeric Enter the Minimum Flexible Installment allowed under
1
this product’s account
Maximum Flexible Amount Yes Numeric
Enter the Maximum Flexible Installment allowed under 100000
this product’s account
Incremental Amount Yes Numeric
Enter the incremental amount allowed for the product.

Any Flexible installment done has to be in multiples of the
incremental amount specified in this field.
For example, if Minimum Flexible Amount is 1000 and the
Incremental amount is 100, a flexible installment can be
done for 1000 and subsequent payments should be
made in the multiples of 100 i.e. 1100, 1200 etc.

Product 5 Product 6 Product 7 Product 8

Casa Interest Rate Tiers Maintenance (Fast Path: C
(Fast Path: CHM02)
Legend
Possible Options
Display Fields
Input Fields
New Fields
This option allows the user to define the tier structure for debit interest, credit interest, overline and TOD.
The Prerequisites for the Casa Interest Rate Tiers Maintenance are as follows:
Option Fast Path

Interest Index Maintenance BAM12
Interest Index Rates BAM13
Casa Interest Rate Tiers Maintenance (Fast Path: CHM02)

Mand-
Parameter Field Type Description Validations Modifiable Sample Values Product 1 Product 2 Product 3 Product 4 Product 5
atory
Plan Code Yes Numeric [5] Set up the plan code of the interest rate tier. Yes 125
Effective Date Yes Date Set up the date from which the interest rate will be in effect. The effective date should be equal to or No
(dd/mm/yyyy) The effective date should be equal to or greater than the greater than the process date. This
process date.This field is enabled only in Add mode. field is enabled only in Add mode. 1/1/2009
Plan Description Yes Alpha- Set up the description or name of the plan. Yes
numeric [72] Interest Rates
Advice Required No Check Box Select the checkbox, to generate advice for the interest rate Yes
change done through this maintenance.
Types Yes Radio Button Select the type of interest plan to be set for the CASA product. Yes
Credit Select this button , to set the plan for credit interest.
Debit Select this button , to set the plan for debit interest.
Overline Select this button , to set the plan for overline interest.
Overline amount is the amount which exceeds the Overdraft
limit.
TOD Select this button , to set the plan for TOD interest. Negative
balance in an account which does not have OD limit is
considered as TOD
Minimum Balance to Accrue Interest Conditio Numeric Set up the amount that should be maintained as the minimum If the Minimum Balance to Accrue
nal [13,2] balance for interest accrual. Interest is specified as zero in the
Interest will get accrued to the account only if the account Interest plan for a particular product, the
balance (depends on the product parameter i.e. book/collected interest will be calculated and accrued for
balance) is greater than the minimum balance to accrue all the accounts under that product. No
interest. validation will be done for minimum
If the Minimum Balance to Accrue Interest is specified as balance for interest accrual.
zero in the Interest plan for a particular product, the interest will If any back dated transaction is done on
be calculated and accrued for all the accounts under that an account which has a minimum
product. No validation will be done for minimum balance for balance to accrue interest defined, then
interest accrual. based on the effective dates for which 2,500.00
If any back dated transaction is done on an account which has a the minimum balances were applicable,
minimum balance to accrue interest defined, then based on the the back dated interest will be
effective dates for which the minimum balances were recomputed and the adjustment entries
applicable, the back dated interest will be recomputed and the will be passed. This
adjustment entries will be passed. This field is enabled only field is enabled only if Credit option is
if Credit option is selected in Types. selected in Types.
Tier No. No Display This field displays the tier number which is auto-generated. Yes
1
Max.Balance Yes Numeric Set up the maximum balance for which the interest rate is Yes
[13,2] applicable.
1250000.00
Index Code Yes Pick List Set up the interest index code code applicable for this slab. Yes
1.00
Int. Rate Yes Numeric Set up the the interest rate corresponding to the index code. Yes
[3,2] 20
Int. Variance No Numeric Set up the interest variance applicable for the CASA product. Yes
[2,5] The interest variance can be zero.
5.00

Delete Conditio Check Box Select the check box, to delete the CASA interest rate tier This field is disabled for the first record No
nal record.This field is disabled for the first record

Product 6 Product 7 Product 8

Group Definition Maintenance (Fast Path: CHM55
t Path: CHM55)
Legend
Possible Options
Display Fields
Input Fields
New Fields
This option is used for Notional Pooling in customer accounts.

The Prerequisites for the Group Definition Maintenance are as follows:
Option Fast Path

NA
Group Definition Maintenance (Fast Path: CHM55)

Mand-
Parameter Field Type Description Validations Modifiable Sample Values Product 1 Product 2 Product 3 Product 4 Product 5 Product 6 Product 7 Product 8
atory
Group Code Yes Numeric [9] Set up the group code / pool agreement id under which the No
customer accounts are to be grouped.
5
Group Name Yes Alpha- Set up the group name / pool description for the entered group No
numeric [40] code.
group test
Group Interest Details
Interest Treatment Yes Drop-Down Select the interest treatment from the drop-down list. No
The group interest rate will be given for credit interest type only,
since the aggregate balance will not go below zero at any point Pool Benefit Credit
of time. (This has to be operationally controlled through to Parent Account
supervisor based authorization).
Credit Interest to Parent Account If this option is selected,the total interest earned by the group
will be credited to the Lead / Parent Account.
Distribute interest to member accounts If this option is selected, the total interest earned by the group
will be distributed to all the accounts in the group.
Distribution of interest to all the accounts will be done by using
the following interest allocation formula:
Allocated Benefit Formula = Interest w/o pooling + [(Individual
Absolute Interest amount w/o Pooling * Pooling Benefit ) / Total
Absolute Interest amount w/o Pooling]
Pooling Benefit = Interest Amount with Pooling – Interest without
Pooling where: Interest Amount without Pooling is the total
interest accrued amount which can be debit or credit interest at
the account levels and Interest Amount with Pooling is the
group’s total.
Note:Amount is rounded up to the next whole number based on
the bank level rounding rules.
Pool Benefit Credit to Parent Account If this option is selected, the interest compensation amount will
be credited to the parent account using the formula defined. In
addition, credit / debit interest will be applied to the individual
accounts as per the respective rates and balances
Debit Balance Treatment Conditio Drop-Down Select the debit balance treatment for the pool benefit to be This field is enabled if the Pool Benefit No
nal credited to the parent account from the drop-down list. Credit to Parent Account option is Exclude Debit
This field is enabled if the Pool Benefit Credit to Parent selected in the Interest Treatment drop- Balances for
Account option is selected in the Interest Treatment drop- down list. Aggregation
down list.
Include Debit Balances for Aggregation
Exclude Debit Balances for Aggregation
Interest Tier Type Conditio Drop-Down Select the interest tier type from the drop-down list. This field is enabled only if the Distribute No
nal Tier types are maintained for group interest calculation. interest to member accounts option is
This field is enabled only if the Distribute interest to member selected in the Interest Treatment field.
accounts option is selected in the Interest Treatment field. This field is selected as Cumulative and
This field is selected as Cumulative and disabled if the Pool disabled if the Pool Benefit Credit to
Benefit Credit to Parent Account option is selected in the Parent Account option is selected in the Cumulative
Interest Treatment drop-down list. Interest Treatment drop-down list
Cumulative If this option is selected, the system calculates the interest

based on the interest rate of the tier in which the entire account
balance is maintained.
Incremental If this option is selected, the system segregates the account
balance in different tiers and calculates the interest based on
the interest rates maintained in the respective tiers.
Compensation Distribution Percentage Conditio Numeric [3] Set up the percentage of compensation to be credited to the This field is enabled if the Pool Benefit No
nal parent account. Credit to Parent Account option is
This field is enabled if the Pool Benefit Credit to Parent selected in the Interest Treatment drop- 25
Account option is selected in the Interest Treatment drop- down list.
down list.
Minimum Compensation to Pay Conditio Numeric [15] Set up the minimum compensation amount. This field is enabled if the Pool Benefit No
nal If the final compensation amount is less than the amount Credit to Parent Account option is
specified in this field, no compensation will be paid. selected in the Interest Treatment drop-
This field is enabled if the Pool Benefit Credit to Parent down list. 25000
Account option is selected in the Interest Treatment drop-
down list.
Agreement Start Date No Display This field displays the agreement start date.
By default, the system displays the current process date, when
the Pool Benefit Credit to Parent Account or Distribute 31/01/2008
interest to member accounts option is selected in the Interest
Treatment drop-down list.
Agreement Expiry Date Conditio Date Set up the agreement end date. Yes
nal (dd/mm/yyyy) This is the effective end date for the daily aggregation of group
balance.
By default, system displays the current process date.
The date in this field should be greater than or equal to the
current process date or the agreement start date. 31/01/2008
This field is disabled if the Credit Interest to Parent Account
option is selected in the Interest Treatment drop-down list.
Interest Plan Code Conditio Pick List Set up the interest plan code (credit / debit interest rate). This field is disabled if theCredit Interest No
nal The debit interest will be non-tiered based and the credit interest to Parent Account option is selected in
will be tiered based. The interest tier plans are defined in the the Interest Treatment drop-down list.
Interest Tier Maintenance (Fast Path: CHM02) option.
The interest rate plan attached in the group definition should
have the same index period for all the credit interest indexes in
tier based plan. The index period is defined in the Interest
Index Maintenance (Fast Path: BAM12) option. 119
This field is disabled if theCredit Interest to Parent Account
option is selected in the Interest Treatment drop-down list.
Lead Days for Agreement Expiry Notice Conditio Numeric [3] Set up the number of days before which the agreement expiry This field is enabled if the Pool Benefit No
nal notice has to be sent to the client. Credit to Parent Account option is
This field is enabled if the Pool Benefit Credit to Parent selected in the Interest Treatment drop- 30
Account option is selected in the Interest Treatment drop- down list.
down list.
Group Balance Details

Group Balance No Display This field displays the balance for the member as well as lead or
parent account.

Group OD Limit No Display This field displays the OD limit in the member as well as lead or
parent account.
Group Minimum Balance Conditio Numeric Set up the minimum balance to be maintained by the group. This field is disabled if the Pool Benefit No
nal [13,2] During debit transactions, the system will validate the Credit to Parent Account option is
transaction based on this value. selected in the Interest Treatment drop-
This field is disabled if the Pool Benefit Credit to Parent down list.
down list.
Net Available Balance No Display This field displays the net available balance.
Net Available Balance = Group Aggregate balance – Group
Minimum Balance
Group Monthly Average Balance Conditio Numeric Set up the group average balance. This field is disabled if the Pool Benefit No
nal [13,2] The groups' monthly average balance is validated with the Credit to Parent Account option is
defined average balance of the group. selected in the Interest Treatment drop-
If the average balance is not maintained then the service charge down list.
will be applied to the lead or parent account.
This field is disabled if the Pool Benefit Credit to Parent
down list.
Last Date of Rate Change No Display This field displays the last date of rate change in the group
credit interest.
By default, the system defaults the agreement start date as the 01/01/1800
last date of rate change.
Next Date of Rate Change No Display This field displays the next date of rate change for the group
credit interest.
This will be the last date of rate change + account repricing 01/01/1800
frequency.

Oracle FLEXCUBE
Product Sheet
Jan-10
Version Number: FC VCO 4.0.0.0.0.0.0
Oracle Financial Services Software Limited
i-flex Annexe, Nirlon Compound
Off. Western Express Highway
Mumbai 400 063
India
Worldwide Inquiries:
Phone: +91- 022- 6718 7000
Fax: +91- 022- 6718 9217
www.iflexsolutions.com/
Copyright © 2010
Oracle and/or its affiliates. All rights reserved.
This document is provided for information purposes only and the contents hereof are subject to change without notice. The references to the product name like FLEXCUBE, FLEXCUBE Retail and FCR are implied
orally or implied in law, including implied warranties and conditions of merchantability or fitness for a particular purpose. We specifically disclaim any liability with respect to this document and no contractual obligatio
electronic or mechanical, for any purpose, without our prior written permission. Oracle is a registered trademark of Oracle Corporation and/or its affiliates. Other names may be trademarks of their respective owner
[Type a quote from the document o

E, FLEXCUBE Retail and FCR are implied as Oracle FLEXCUBE. This document is not warranted to be error-free, nor subject to any other warranties or conditions, whether expressed
this document and no contractual obligations are formed either directly or indirectly by this document. This document may not be reproduced or transmitted in any form or by any means,
y be trademarks of their respective owners.
ote from the document or the summary of an interesting point. You can position the text box anywhere in the document. Use the
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Module : Current and Savings Account (CASA)

FLEXCUBE Version : FC V.CO 4.0.0.0.0.0.0

Sr. No. The document is divided into following:

VI CASA Multi Currency Product Package Definition (Fast Path: CH099)

Option Fast Path

CASA Bank Parameters Maintenance (Fast Path: CHM04)

Manual If this option is selected ,the dormant account has to be

UBA NY - Loans Design Document

UBA NY - Loans Design Document

UBA NY - Loans Design Document

Option Fast Path

CASA Product Master Maintenance (Fast Path: CHM01)

UBA NY - Loans Design Document

US 30/360 If this option is selected,always 1/12 for any month.

Euro 30/360 If this option is selected, 30 days in a month will be taken as

US 30/360 If this option is selected, 30 days in a month will be taken as

US 30/Actual If this option is selected, 30 days in a month will be taken as

UBA NY - Loans Design Document

AverageDailyBalance If this option is selected, the interest will be calculated on the

MonthlyMinimum If this option is selected, The interest will be calculated on the

UBA NY - Loans Design Document

UBA NY - Loans Design Document

UBA NY - Loans Design Document

UBA NY - Loans Design Document

DWMS No Check Box Flag to generate DWMS Transactions Dump Yes

UBA NY - Loans Design Document

Cheque Book Facilities

UBA NY - Loans Design Document

UBA NY - Loans Design Document

UBA NY - Loans Design Document

UBA NY - Loans Design Document

No of free statements per cycle No Drop-Down Yes

Enter the number of free duplicate periodic statements

Monthly If the user selects Monthly, then free statements will be

UBA NY - Loans Design Document

Select the Frequency at which periodic statement stored

Calendar If this option is selected then statement will be generated at

Notice Format Parameters

UBA NY - Loans Design Document

Uncleared Funds Advance Line

Welcome Letter Format Advice

UBA NY - Loans Design Document

Cash Deposit Limit

UBA NY - Loans Design Document

Inoperative Advice Unit Yes Drop-Down Yes

The options are:

Type the number of inoperative transfer units after which

Select the classification preferences plan code, which will

The Preference plan codes are defined in the Asset

This field defines if the classification would be needed to

If the Classification Required field is not selected, then

The value defined here can be overridden in the Account

UBA NY - Loans Design Document

Select the appropriate classification criteria plan code

A classification plan code specifies various criteria

The value defined here can be overridden in the Account

This field indicates if the product is to be included from

If the check box is selected, then all the accounts under

If the check box is not selected, then all the accounts

The value defined here can be overridden in the Account

UBA NY - Loans Design Document

Monthly If the user selects Monthly, the installment frequency of RD will

UBA NY - Loans Design Document

PMI Applicable No Check Box