Help Manual For IOs Doing Inspection of Computerized Branches Updated Till 30th September 2008-1 PDF

CONFIDENTIAL OFFICE COPY
HELP MANUAL FOR

INSPECTING OFFICERS FOR
INSPECITNG COMPUTERISED
BRANCHES
(Updated till 30th September 2008)
CANARA BANK
INFORMATION SYSTEM AUDIT SECTION
INSPECTION WING::HEAD OFFICE
NO.86,SPENCERE TOWERS
M G ROAD , BANGALORE – 560 001
1
F O R E W O R D
The first version of this manual was brought out on 28-05-2002 covering the three
streams of branch application - ALPM, IBBS and BANCS 2000. Subsequently second
version of manual was brought out on 03.02.2004 .The manual was aimed at helping
the regular inspectors while auditing ALPM and TBC branches. We had received good
feedback about the coverage and usefulness of the manual.
In March 2006 our bank has also entered into CBS environment.
This Help manual has been thoroughly revised taking into account of CBS software
and latest changes effected in the PBC / TBC application software. Further, details
are provided in respect of the latest technology driven services like AWB, ATM,
CCMS, SWIFT, SFMS, ASIAS INTERFACED CBS, FEXOFT, CAN-MAIL, INTERNET
& MOBILE BANKING and DDiSYS. The coverage is so devised keeping in mind the
requirement of regular inspectors with specific reference to critical menu options and
report options.
Arrangements have been made to provide one copy of the help manual to all the
Inspecting Officers. I am sure, Inspecting Officers will make best use of this manual
because of the ease of use provided by this manual and approach the branch
inspection with increased confidence. Provision is made to make changes as and
when guidelines are issued. All inspecting officers should carry this manual while
inspecting computerised branches.
Date : 00-00-2008 SURINDER MOHAN

General Manager
2
I N D E X
1. CBS 04 – 63
2. IBBS 64 - 113
3. ALPM NNND 114 - 121
4. ASIAS INTERFACED CBS 122 - 142
5. FEXOFT 143 - 147
6. INTERNET & MOBILE BANKING 148 - 155
7. CCMS 156 - 158
8. DDiSYS 159 - 162
9. ANYWHERE BANKING 163 - 166
10. ATM 167 – 174
11. CAN-MAIL 175 - 179
12. SWIFT 180 - 182
13. SFMS/RTGS/NEFT 183 -191
14. CIBIL / CDCRM 192-194
3
CBS
4
CHAPTER – 1 INTRODUCTION 7-8
CHAPTER – 2 LOGIN / LOGOUT /CHANGE PASSWORDS 9
CHAPTER – 3 HOT KEYS – FCR & FCC 10-11
CHAPTER – 4 MENU OPTIONS (FLEXCUBE – RETAIL) 12-21
a) CASA
b) RD
c) OD/OCC
d) TERM DEPOSITS
e) LOANS & ADVANCES
f) CLEARING/OCC/CDB
g) REMITTANCE
h) HO /BAR
i) GENERAL LEDGER
j) CASH
k) CUSTOMER MAINTENANCE
l) INVENTORY MAINTENANCE
m) NOMINATION
CHAPTER – 5 REPORTS (FLEXCUBE – RETAIL) 22-33
a) CUSTOMER INFORMATION
b) CASA
c) OD/OCC
d) TERM DEPOSIT
5
e) FCNR / RFC
f) CLEARING
g) OCC /CDB
h) DEMAND DRAFT / PO /HO / REMITTANCE
i) ATM / AWB
j) LOANS & ADVANCES
k) GENERAL LEDGER / MINOR SUBSIDIARIES
l) INSTRUMENTS / INVENTORY /MISC
m) DAILY TALLYING OF TRANSACTIONS
CHAPTER – 6 REPORTS UNDER BUSINESS OBJECTS 34-37
CHAPTER – 7 ADVANCES CONCEPTS IN FCR 38-43
CHAPTER – 8 ISSUES TO BE HANDLED PROCEDURES IN CBS 44-47
CHAPTER – 9 FLEXCUBE – CORPORATE (FCC) 48-53
CHAPTER – 10 GOVERNMENT BUSINESS MODULE 54-58
CHAPTER – 11 AGRICULTURAL MODULE 59
CHAPTER – 12 SAFE DEPOSIT LOCKERS 60-61
CHAPTER – 13 LAPS 62-63
6
CHAPTER – 1
INTRODUCTION
Keeping in mind the technological advancement, enhanced customer requirements and market
forces, in order to provide seamless support for online inter-branch transactions, online
remittances and other contemporary services, Core Banking Software is being introduced in
our bank.
A few of the envisaged benefits of a maximized core banking implementation are:
Ø Anywhere, Anytime, Any device, any service banking
Ø Real time online status and unified view of accounts through multiple touch points such
as telephone, mobile, Internet, ATM, Any CBS branch etc.
Ø Investment and Trading opportunities through introduction of new services like Online
trading integrated with DP and SB, IVRS, Call Center etc.
Ø Online and instant intra and inter Bank funds transfer across the country through
assorted delivery channels like ATM, Internet etc.
Ø Customized products and services specifically designed for a customer based on the
customer profiling.
Core Banking Solution envisages a centralized repository of customer data for all branches
brought under the umbrella of Core Banking. The transactions would happen at the data centre
and the customer can access his account from any of the CBS branches. The Data Centre
provides various information on customer profiles, assets, liabilities and supports transaction
processing mechanism besides providing vital Management Information System (MIS). Core
Banking Solution shall become the backbone of activities and help the bank to take timely
decisions on rate of interest, pricing our products / services, better ALM management,
introduction of new products in tune with changing market trends etc.
M/S IBM being Prime vendor, are providing total solution in consortium with other IT
Companies. M/S Iflex Solutions are providing core module comprising Retail and Corporate
solutions to meet the application software requirements. Other 12 IT companies are providing
solutions to take care of other banking operations like Government business, Customer
relationship Management, Anti Money Laundering, Depository Participatory, Online trading,
Risk Management etc.
7
The various Modules available in CBS Software are as follows:
01. CASA
02. TERM DEPOSITS
03. CLEARING
04. DD / PO / HO / BAR / GL
05. LOANS AND ADVANCES
06. AGRICULTURE MODULE
07. DELIVERY CHANNELS
08. ECS / PENSION / MISC
09. FCC
10. GOVERNMENT BUSINESS
11. REPORTS
12. LOCKER & PEPS
13. LAPS (CORPORATE)
Additional reports pertaining to CBS Software are available in Business Objects.

CBS Software is user friendly and inspecting officers can easily get various menu options as
detailed in the coming pages.
8
CHAPTER – 2
LOGIN / LOGOUT /CHANGE PASSWORDS
In Core Banking Environment user creation is done at DIT WING, HO both for FCR and FCC
separately. Generic user profiles for I S Auditors (DPCODEISAUDIT1 &
DPCODEISAUDIT2) and regular inspectors including concurrent auditors (DPCODEINSP1
& DPCODEINSP2) are created in FCR application at the time of migration to CBS and
maintained in disabled status. The inspector has to get the user profile enabled by branch SMS
users once he commences inspection (Option 753).
In case of FCC application also generic users of inspector / I S Auditor is available. (One each).
Note: Inspector’s User profile is not available in GBM as in the case of FCR and FCC.
In case of need Inspecting officials can ask the branch user to login and verify the details
required.
The branch SMS user can modify the login status of the users of his branch by invoking the
option 755. This is required when the user logs out of the module improperly.
The user can change his password by opting option 768.
User ID of a user can be Disabled / Enabled by the Branch SMS user depending on the
circumstances.
Once the inspector is logging in for the first time, the system forces the user to change his
password. The user has to change the password which should be combination of Alpha-
numeric and should contain atleast one uppercase letter.
On completion of the inspection, the branch SMS user has to disable the inspector’s profile.
Some important menu options for SMS activities:
Option Description Utility/Remarks

Resetting Primary Password When the pass-word has lapsed/expired/forgotten by the user – to
52 reset
Enable/Disable User To enable user when user uses wrong password thrice. To disable
753 user on transfer, deputation, retirement, resign, dismissed,
discharged, etc.
Modify Login Status Set right Improper Logout (Killing User)
755
User Profile Maintenance Marking start date and end date for vacation (Dual control)
759
User profile Maintenance Changing the role of User (Temp Sup duties, transfer, deputation, br
SMM02 in charge role, etc) (Dual Control)
Change Primary Password To modify to password of self (Any User)
768
SMS Reports for FCR is available under 7775 / 7778 where as for FCC it is available in
web-i (Business Objects).
9
CHAPTER – 3
HOT KEYS – FCR & FCC
FLEXCUBE RETAIL – HOT Keys
Sl HOT Keys Description Utility/Remarks

No
01 Combination of Keys To View the Account Details
Alt+A
02 Combination of Keys To View Balance Details of the account (like 7002)
Alt+B
03 Combination of Keys To View Customer Name, Address, relations and
Alt+C customer IC. (Max 3 customers of the account)
04 Combination of Keys To View customer Signature & Operation
Alt+S Instructions.
05 At the appropriate Printing option (like deposit receipts, etc)
Alt+P screen
06 Functional Key Online Help
F1
07 Functional Key To invoke the last used option.
F8
08 Functional Key To change the Size of the Screen.
F11
09 Key board Key To move to the next field (Pref: Tab key)
Enter/Tab
10 Combination of Keys To move to the Previous field
Shift+Tab
Please NOTE: Options like Balance Enquiry, Customer Enquiry, Signature Enquiry (SL No.
2, 3, 4) can be viewed from the top tool bar (Related Transactions).
OTHER IMPORTANT OPTIONS:
4502 – Incomplete Transaction (Financial).
7775 – Report Request
7778 – Advice/Report Status Inquiry
7780 – Advice/Report Cancel Request
10
FLEXCUBE CORPORATE- HOT Keys
SL NO PURPOSE HOT KEYS

01 Show Function Keys Ctrl + K
02 Clear Screen F7
03 Clear Record F6
04 Clear Field F5
05 Display Record F8
06 Display Next Set of Records Shift + F 8
07 Next Field Tab
08 Previous Field Shift + Tab
09 Next Record Down Arrow
10 Previous Record Up Arrow
11 Select Record from LOV Enter
12 Next Block Shift + Page Down
13 Previous Block Shift + Page Up
14 Scroll Down Page Down
15 Scroll Up Page Up
11
CHAPTER – 4
MENU OPTIONS
01. CASA
Option Description Utility
CHM01 CASA Product Master To know details of products, GL, Interest, SC, Exception,
Maintenance Facilities etc.
1000 Customer Search To search for existence of a Customer in the System
CIM28 Account Operating To maintain default Instruction as also additional
Instruction instructions. This is displayed with (ALT+S) hot key along
Maintenance with Signature/Image. Mandatory for all CASA Accounts.
7775-BA115-7778 gives report on accounts without
operating instructions
CH021 Account Master For viewing Account Master Details
Maintenance
BA437 Account Memo Over and above the memo/remarks maintained at customer
Maintenance level through CIM13
SCM03 SC Package changes at To waive account level SC for an account
Account Waiver Flag: Not to charge particular SC
Waiver Uncharged: Waive SC which are under hold
CHM37 Cheque Book Same option can be used for inquiry.
Maintenance
CHM35 Stop Cheque Stop Cheque Instruction can be marked against a single
Instruction Cheque or a series of cheques. Stop Cheque instruction
will take effect only after the record is authorized.
CHM33 Hold Funds Used to modify/delete (revocation)/inquiry of hold funds
Maintenance information made through 1055.
CHM31 Standing Instruction To record standing instruction given by the customer for
Maintenance specified amount. Gets executed at BOD for the specified
amount. 99 retries.
This option should not be used for creating standing
instruction for RD and LOAN account
CHM32 Sweep Out - Excess funds over a threshold limit can be
Maintenance transferred to:
CASA or TD – New TD or New Deposit in existing
TD account(Canflexi, SB GOLD, Can Premium only)
- Executed during EOD
- From Domestic operative account to operative
accounts (except for Cansarasl, Canchamp and CGA)
of the same customer with same name.
- If TD, Frequency Daily. Deposit in multiples of
Rs.1000.00 opened automatically at EOD depending
on the product & term specified, minimum and
maximum amount specified
- Mandatory option for Canflexi deposit (product code
105)
12
CHM39 Sweep In Maintenance Teller can Add.
At top: Beneficiary Account - CASA Regular
Bottom: Provider’s Account – CASA or TD
More than one operative account of the same customer can
be linked. In case of shortage of funds, system
automatically transfers funds form provider’s account if
funds are available.
In TD accounts, in multiple of units of redemption (part
withdrawal) as applicable to the product
CHM40 Sweep In Sweep Out If more than one instruction is given, it allows prioritizing
Priority Maintenance the sequence.
CHM12 TOD Limit Master For permitting TOD in CASA
Maintenance 1. Before granting TOD under SB/CA, limit to be created
where due date can be specified for any number of days
2. In case of overdrawing in account due to passing of
inward clearing cheques in ST034 or debit in GLM01
(forced Debit), system creates TOD limit automatically in
CHM12 for due date 15 days. (As parameterized in CASA
product). Penal Interest will be calculated from the
next day of the due date.
3. Due date of 15 days permitted automatically under forced
debit cannot be modified once the transaction is put
through. (Guideline no 39/07
CH220 Pass Sheet printing for 7775-CH220-7778
CASA
7002 Balance Inquiry To view Available, Unclear, Earmarked, Passbook,
Minimum Balance Required, Hold Balance, Total TOD
CH031 Statement Inquiry To inquire Statement for:
Current- beginning of current calendar month till end
Prior –beginning of previous calendar month till end
Transaction – To show transaction for any month (between
Start Date and End Date)
Double clicking on the transaction will display the details of
that transaction
CHM41 Inward Cheque Status For tracking status of a Cheque issued to an account. By
Inquiry giving Cheque number, Account to which it is issued can be
found out.
BAM24 Account Status Audit Shows the history of changes made to account status
Trail Inquiry
SCM05 SC History for Account Shows the details of SC attached to the account and also
Inquiry amount of SC due
7050 Old to New Account - 1. For IBBS Branch: The old account number (6
Inquiry digits) prefixed by the following codes:
01 – CA; 03 – SB; 07 – FD; 08 – KD; 11 – FCNR; 12 –
RD; 55 – ODCC; 66 – LOANS.
- 2. For BANCS 2000: The Foracid (Account number
in full) to get the new account number in FCR
13
RECURRING DEPOSIT

BA438 Nominee Master To capture Nominee details, also guardian details if
Maintenance nominee is a minor. Nominee must have a Customer ID
BAM64 Customer Account To link the nominee ID created through BAM438 to
Nominee Cross Depositor's ID/Account. Share % should always be 100.
Reference
CHM31 Standing Instruction Can be maintained through this option also for RD
Maintenance installments.
1421 Rd installment Payment Can Be Used For Inquiring Status Of Installments
Inquiry
For TD created, Redemption/Renewal option1358
For TD created, enquiry options are 7020, TD020, TD021
OD/CC
CHM07 OD Limit master Details like limits, SC etc can be enquired.
maintenance
BAM74 Security Header Security details can be viewed.
Maintenance
CHM06 OD Security - To link the security created under BAM74
maintenance - Add Security
BAM83 MIS cross reference Updating Different MIS Codes for reports, statements,
maintenance BASEL II etc
CHM48 Account level variance
maintenance
CHM37 Cheque Book issue Cheque status can be inquired through the same option
maintenance
BA995 Single Account Transfer - Account Number remains same at transfer in branch
BA024 account transfer report under 7775/7778 to be
verified
BA434 Account to Security - Not applicable against our own deposits
Inquiry - Security created under BAM74 is available
BA433 Security to Account - Single security attached to how many OD/CC
Inquiry accounts
CH066 Limit to Security Inquiry - Limit wise Details
- Limit, DP & Security details
CHM36 Account address Other than at customer level
maintenance
BAM84 Financial Security Details of listed shares/securities – face/market value
maintenance
14
TERM DEPOSITS

TDM01 TD Product Master To know the details of the product like term, minimum and
maximum amount , GL codes etc
TD060 TD Product Rate To know the ROI linked to a particular TD product as on a
Maintenance given date
CIM28 Account Operating To maintain default Instruction as also additional
Instruction Maintenance instructions. This is displayed with (ALT+S) hot key along
with Signature/Image
1337 Interest Payment In case the depositor gives no instructions and interest is
Inquiry already due (credit will be in SD GL) can be paid any day
before the maturity of the deposit.
On maturity, any unpaid interest will be added to the
principal amount.
TD022 TD Nominee Customer ID for nominee is mandatory and the same is the
Maintenance Nominee ID
TDS03 Tax Waiver To mark receipt of Form 15G/15H for TDS exemption.
At present there is no provision in the system to refund
the TDS to the deposit account
TDS Inquiry To know the TDS details of a customer
TDS11 - Customer-wise
- Account-wise
7020 TD Balance Inquiry Deposit Number-wise
TD Account Master To inquire details of
TD020 - Account
- Deposits – All deposits linked to an account in a
single screen
15
Deposit Master To know general details, Interest Rate, Balance, Payout,
TD021 Paying, Redemption details.
TD Account Ledger Transaction in the TD Account:
TD037 Inquiry - Details are available on the next day since the data gets
updated during day end process.
TD Audit Trail Inquiry Details of interest accrual, payout, compounding & TDS
TD031 deducted can be viewed
TD Deposit Certificate To know whether a certificate is printed or not
TD041 Inquiry
Interest & Principal Interest & Principal Payment History
TD042 Payment History
Lien Master Inquiry To know all types of lien for a deposit
TDM24
GL Transactions & To know details of GL accounts and
GLM04 Movement Inquiry TDS on Domestic Deposits – GL Code 209270510
TDS on NRO Deposits – GL Code 209270530
Date of debit, values date of debit, account number and
amount of TDS deducted are available
TD Lien Master INQUIRY: To inquire all types of lien like External,
TDM24 Loan, OD, Sweep in etc
Investment Calculator This can be used to find out:
TDM07 - Maturity Value
- Total Interest payable
- TDS on fresh deposit
- Interest Provision (only option for new/existing
deposit)
- Interest flow for FCNR/RFC deposits
By selecting Product Code, Amount, Deposit Date, Term,
Interest Payout Frequency and Tax codes 1 & 2. For
account opened on the last day of the month under
product code 302, interest distribution is not uniform for
all months.
16
LOANS & ADVANCES

LNM11 Product Master To know/Inquire details of a loan product like booking,
Maintenance disbursement, repayment, GL etc
LNM98 Schedule Type To inquire type of a schedule linked to a product
LN060 Loans Product Rate plan ROI maintained for a plan ID of the product
LNM41 Interest Rules Rule definition of Interest
LNM43 Installment Rules Rule definition of Installment
LNM34 Loan Security link To link the security to loan account
maintenance - Lendable amount to be modified
- Prime for Main security
- Secondary for Collateral
1413 Loan Disbursement For multiple disbursement – more than one disbursement
Inquiry on the same day
BA020 Account additional - Loan sanctioned details
information master - Mortgage/Hypothecation/Pledge/Stock/Collateral
maintenance details
- Write off details
- Seizure and other details
- AOD/AOS details in General Tab
- LPD details under CDCRM Tab
7026 Loan Balance Inquiry To know about Arrears, Balance Outstanding, Funds in
RPA, Unclear Funds for a loan account (JC10/07)
LN522 Account Schedule Repayment schedule of the loan account
Inquiry
LNM10 Account Transaction To know:
Inquiry - Statement
- Account Details: Security Details
Account Relationship
Hold in CASA
Interest & Arrears
- Account Ledger Inquiry
- Arrears Inquiry
- Audit Trail Inquiry to inquire Interest accrual,
interest income, charged etc
BAM77 Insurance Policy Master To enter details of policy
maintenance
BAM67 Security Insurance cross - Security Details: Security ID as mentioned in
reference maintenance BAM74
- Insurance Details: Insurance Policy Number as
mentioned in BAM77
- Premium Billing Details: Not Mandatory
17
- IF OPTED, bill option to be Manual
- Account number and amount to be specified
- Will not debit the account automatically
- To be debited through BAM50 wherein the
premium amount entered in BAM67 will be
displayed
LNM83 Account rate change Used to make change in ROI:
- New Effective Date
- Rate account variance
- Rate change parameter
- ROI change for both non tiered and tiered accounts
(i.e. slab accounts)
- Change can only be prospective
- Latest date: Next date to process date. Change is
effected at EOD process.
- Always to opt for Recalculate Installment
- 'Set Fixed ' box to be selected to make the rate
change plan as fixed. (From floating to fixed or
LPD account transfer etc.)
- Rate account variance field only to be modified
- Modification of Plan Codes starting with
1000(Normal) & 4000(PMI)
- Change for all slabs.
LNM35 Loan Account Master - To modify the Appropriation Sequence for
Attribute Maintenance suspended account (NPA/LPD)
- Character 'C' denoting principal arrears to be
shifted to first position in the sequence
Loan account - For closing wrongly opened loan accounts.
LNM39 Application details Closure is possible only if NO disbursement is
maintenance made in the account.
- Modify next day as expiry date
LNM38 Loan Approved Amount To reduce sanctioned amount at a later date
Maintenance
LNM33 Loan account address Maintain account level address if different from that of
maintenance 8053/CIM09
CIM12 Customer Contact Log For recording inspection comments, Description 248
Maintenance characters
History of inspection visits
Report 7775 – CI127 - 7778
LNM31 Account Payment SI for loan accounts
Instructions - As and when arrears occur in the loan account,
draws down the amount from the CASA account
of the customer to the extent of arrears or the to the
extent of balance available
18
- Customer ID in CASA and Loan account should
be same
- 31 maximum retries
- If due date is holiday, on next working day
- Execution during day end process
CHM31 Also applicable. However,
- Executes the SI on the date given and the amount
specified
- 99 retries
- No partial execution
- Executed during Day Begin Routine
- When ROI/EMI changes, amount to be modified
AC002 Account Classification For classification of loan account from Performing
Inquiry (Normal) to non performing (suspended) and vice versa.
- Go by customer ID
- All accounts of customer appear
- Double click on the account
- Click on CRR Movement Tab
- Movement forward/reverse
- New CRR field pick appropriate value
This has to be done manually for all accounts of the
customer
Account to Security To inquire security details attached to a loan account/OD
BA434 Inquiry account.
- Same reflects n the balance sheet
Security to Account To inquire security attached to how many loans
BA433 Inquiry
LN500 Installment Calculator To know installment (EPI/EMI) and term for a given
amount/ROI
LNM99 Loan Account CBR To feed the details of DICGC/ECGC/CGTSI etc claim
Details settled and available
CLEARING/OCC/CDB

STM62 Late Clearing To know whether the branch has late marked Clg or not for
Marking Inquiry various clearing types.
ST002 Inquiry on Value To know whether branch has run value date during a particular
Date Clearing date or run multiple times
19
REMITTANCES
Description Demand Pay orders Gift Cheque/TC

draft
Status enquiry (Lost Status update) 8315 8314
Maintenance of DD details (Non 8323
CBS)
Remittance enquiry ST074 ST074 ST074
T C Balancing 6203
HEAD OFFICE / BAR

ST074 Remittance Inquiry IBA Status enquiry based on Instrument type, Issuer
Code, Issuer Payee Br, Date from and to, Instrument
Status – Paid, outstanding or all, FC Serial No.
Instrument Inventory No and Print Status. Double
Clicking on each row populates the details of the
relevant entry.
Please Note: List of unprinted instruments can be generated under report 7775/7778
(ST662)
GENERAL LEDGER

GL transactions and 1. Transaction - To view the GL Ledger
GLM04 movements inquiry 2. Movement – To view total Debit/Credit/
Closing Balance for a range of dates.
3. Reconciliation – To know item wise balance
outstanding for implemented GL.
CASH
Cash Balancing To verify whether the Branch and Host database are in
6201 sync and physical cash with the teller matches with
that in the system
Teller Total Position Total transactions by a teller for the day
7040
Report Option/Print 1. TP5049 – Cash receipt and payment waste
7775 2. TP6007 – Auto reversal Transaction report
/7778 3. ST644 – Product wise total of days Txn.
4. TP5021 – Closing cash position of Branch – to
tally with the day-book.
20
CUSTOMER MAINTENANCE

CIM09 Customer Customer information can be viewed.
Information Master
Maintenance
CIM11 Customer Detail All are non mandatory fields
Maintenance (i) Employment Details: Occupation, Designation,
Tenure, Office address Number of years in
employment/business
(ii) Previous Employment Details & Card Details,
Credit Rating etc
(iii) Spouse/Parent Details: Marriage Date/ DOB of
Spouse , spouse/parent employment details
CIM22 Customer Additional Addition information like travel information, misc
Information information, tax details etc can be viewed.
Maintenance
CIM17 Corporate Customer Used to maintain & view Company, Business, Financial &
Details Major Shareholders details of a company
CIM30 Customer Maturity To change the status of minor customer to a major customer on
processing attaining majority (Customer level)(Account level by CH021)
Maintenance
CIM16 Customer Dormancy To change/modify customer level dormancy to regular
Status Maintenance (Inoperative to operative) Customer IC/ID is required
CIM13 Customer Memo To maintain customer level memo (remark) details
Maintenance
INVENTORY MAINTENANCE

Stock Inquiry Inventory can be inquired based on
IV011 1. balance on hand
2. inventory transaction
3. indent request status
NOMINATION
10 BA438 Nominee Master To capture Nominee details, also guardian details if nominee
Maintenance is a minor
Nominee must have a Customer ID
11 BAM64 Customer Account To link the nominee ID created through BAM438 to
Nominee Cross Depositor's ID/Account. Share % should always be 100.
Reference For substitution of nominee, do not opt for Modify.
Delete the old nominee, create a new nominee through
BA438 and then link it through BAM64.
21
CHAPTER – 5
REPORTS UNDER CBS

Option for FCR:
7775: Report request
7778: Advice/Report status inquiry
7780: Advice/Report cancel request
**BUSINESS OBJECTS URL:
http://172.16.38.138:8085/wijsp /
Login name: canara

Password : canara
Branch Reports are available in http://172.16.47.230:8080/reports
DIFFERENT REPORTS/ STATEMENTS AVAILABLE IN FCR
CUSTOMER INFORMATION
OPTION DESCRIPTION REMARKS

7775-7778
CI105 Customers without Accounts Cust ID created A/C not opened
CI113 Corporate Customer Replicate CIM09 – Basic Information – tick
on Global box
CI115 Signatures not captured FP 7102 to link signature
CI116 Minor customer detailed report Two types
 Cus ID, full name, DOB, date of
maturity (18 years)
 Date from restriction (i.e., 14
years)
CI127 Inspection details report As lodged in CIM12
CI025 Customer dormant status report
CI128 Customer-wise collateral report
BA115 Operating Instructions not captured Given in CIM28
BA300 Nominee Change History
CASA

CH804 Dormant Accounts According to number of months
CH704 Signatures not captured A/C level
CH642 Customer Accounts without introduction
CH621 SB TOD Accounts
CH220 Regular Savings Statements Pass Sheet A/C wise
22
CH133 Savings Sweep out Instructions Listing
CH124 Savings Sweep out Instructions Executed
CH326 Sweep in Instructions Maintained Today
TD142 Deposit Created by Sweep Out Instruction
ST635 Statement of Transactions in Staff
Accounts
CH625 Irregular Account of Employees
CH610 Index of Staff Accounts
CH230 Certificate of Interest (Summary) Report All CASA Accounts
CH633 Return on Unclaimed Deposits
CH634 Balance Certificate
BA024 Account Transfer Report
BALANCING REPORTS

7775
CH 628 CASA –Balancing Report Non-detailed
CH 701 Customer Account Balance Account Number, name, available
balance, unclear amount, credit book
balance, debit book balance
OD/OCC

7775 / 7778
CH602 Overdrawn OD/OCC accounts
CH607 List of expired limits
CH623 Resume of account for range of account & dates
CH614 Credit review and credit programme
CH613 Interest details of OD/OCC/KCC for range of accounts and dates
accounts
CH626 OD/CCOKCC Master Details For range accounts
CH412 Interest Variance Maintenance
Report
ST613 Details of accounts opened/closed All type of accounts for a given period
CH600 Interest Collected Certificate Total Interest for a given period
23
TERM DEPOSIT:: DAILY REPORTS

7775-7778
TD 604 Maturity Date today BOD
TD 108 Interest Paid Report BOD
TD 103 Maturities today Balance Maturity action
TD 102 Maturity Due report Instruction available
Deposit/Renewal date and maturity
date
TD 605 Cash/DD/Deposit
Rs. 1 lac and above
TD 119 Deposits opened EOD
TD 130 Deposits closed EOD
OTHERS
TS601 TDS remittance Report GL 209270510 – Domestic Tax

209270530 NRO Tax
TS608 TD Query Minor Deposits DOB and Maturity date available
TS117 Customer Projected Income Customer Code wise, Projected
Income, Exemption Limit, Tax
Status (Taxable/non-taxable)
TS600 TDS Certificate (Form16 A) PAN No. of the payee not getting
incorporated
TD603 Certificate of Interest Interest paid for a particular period
TD610 Deposit Matured Notice 1 range of dates
TD611 Deposit Matured Notice 2
TERM DEPOSIT Balancing
7775-7778
TD777 Term Deposit Consolidated balances Product wise including RD A/c
Principal and Interest compounded
pointing to which GL – report
included both regular & matured
deposits
TD112 Term Deposit Detailed balancing Gives Principal balance, interest
compounded to date, Interest
accrued to date involving RD
accounts
TD280 Term Deposit consolidated statement Balance, Interest, compounded and
accrued for an account
24
FCNR /RFC
OPTION:7775-7778
FC601 FCNR/RFC Deposits Renewed
FC602 FCNR/RFC Deposits Opened
FC603 FCNR/RFC Deposits Closed
FC604 FCNR Memo
FC605 FCNR/RFC Interest compound/payment Gives Currency, Principal, ROI,
180 days Differential amount
FC606 FCNR/RFC Interest pay out(FDR) Interest payout in range of dates
CLEARING

7775-7778
ST205 Cheques Pending Clearing Summary, Product code wise,
Local/Outstation Number of cheques, Amount
ST015 Cheques Pending Clearing Individual Cheque wise
(Un clear balance)
ST023 Immediate Credits given today Provides Account Number, Cheque,
Credit amount, Date deposited
ST024 Float Extension Report
ST025 Post dated cheques cleared today
ST038 Cheques sent for outward clearing
ST203 Outward Clearing Extract Bank wise
ST605 Clearing Bank wise Report
ST606 Cheque Return Memo
ST601 Input Statement on Floppy
ST620 Bank wise total Non MICR Clearing
ST637 Outward Clearing ACHHAND Off File for encoding
ST647 Home clearing consolidated
ST648 Home outward clearing branch wise
ST661 Consolidation of Returned instruments
ST6002 Outward clearing batch wise – List of
Instrument
INWARD CLEARING
ST639 Inward Clearing Activity Summary

ST6001 Inward Clearing Batch wise list of instruments
ST661 Consolidation of Returned Instruments
ST640 Teller wise & Product wise clearing Transaction Report
25
ICC REPORTS
ST210 ICC Remittance/Dishonored Report

ST214 OCC/ICC Outstanding Instrument Report
OCC/CDB REPORTS
ST207 Cheque Dispatched Report

ST208 OCC Items Lodged report
ST209 OCC Realization/ Dishonored Report
ST211 Mark Receipt of OCC Report
ST212 Dispatch Advice
ST213 Realization/Dishonor Report – Non Corr
ST214 OCC/ICC Outstanding Instrument Report
ST215 Reminder Notice of OCC
ST646 Balancing Reports for Cheques Purchased
ST643 Cheques Purchased During the Period
DEMAND DRAFTS/PO/HO

7775-7778
ST614 DD Issued Summary Branch Code 15 – CBS,
1 – NCBS, 0 - All
ST615 DD Paid Summary
ST616 DD Issued Register
ST600 DD Paid Register
ST636 DD Consolidation Summary
TP605 Cash DD/Deposit Issue/Open For Rs 1 lac or
above
ST630 Turnover details of PO/DD
ST629 Commission Collected on PO/DD
ST224 Remittance Status Change Report New Status Lost, Caution, etc
TP5027 Instruments issued today DDs issued including
commission
TP5033 Instruments Details Report
ST604 HO Originating Summary
ST603 HO Responding Summary
ST638 HO Consolidation Summary
ST662 List of Unprinted Instruments
26
Others Direct Option
ST074 Remittance Enquiry Can find about the DD for

different types of instruments,
Issue/Payee Branch, CBS/NCBS
different status and print basis
for a range of dates.
BALANCING REPORTS
7775 – 7778
ST610 Pay order Balancing Report (Batch)
ST611 Overdue Pay Order Balancing Report (Batch)
ATM / AWB

7775 - 7778
AT005 ATM Transaction Report  Gives card number account, transaction
date & amount
 Also gives opening balance, cash loaded,
balance as per report, balance as per GL
AT006 ATM Transaction report – For Current Date
for Current Date
AT600 Failed ATM & Debit Card Gives error type – E.g. Insufficient funds SOL
transaction Id, Source branch, ATM Id, Seq. no., card,
transaction amount
AT601 ATM Interbank transaction
report
AT100 ATM forced posted
transaction report
AB600 AWB Transaction Both inward and outward
27
LOANS & ADVANCES
OPTION (7775) DESCRIPTION REMARKS

General Advances module 1. This report is for a list accounts opened
LN601
a/c opened between two dates of a particular branch
2. Product wise list of accounts available
3. Product wise subtotal also available
4.customer ID, account number, Name of the
borrower, Date of loan, sanctioned limit, &
Liability details available
Sector wise balancing 1. Report for the sector wise balancing for a
LN603
report particular branch
2. Consolidated figure for both Priority and non
priority sector is available
3.Grand total of both number of accounts and
amount should tally with advances figure
Progress report on
LN607 1. Progress report on educational loan - quarterly
Educational Loan
2. Consolidated report for all the CBS branches
now available. In future individual branch report
will come
3.Our existing quarterly statement format
LN608 Interest charges Report 1. Interest charged to a particular amount.
2.Interest charged to a particular period
3.Rate of interest, Period & principal amount are
available
Actual interest charges 1. Interest charged to both account and customer
LN609
report available2. Month wise interest details available
3. Interest certificate format.
In this report the following options are available.
customer ID, Name of the borrower, principle
LN615 Loans Trail Balance
amount, date of sanction, repayment period ,
maturity date, ROI , Liability etc
Grand Total should tally with General Advances in
Daybook
In this report the amount debited to various
Loan Balance movements
LN162 advances GL for a products(Individual account
by Products
details also available)
No of credits & debits in the account GLs and total
amount Credited & Debited are available
Accuracy to be checked
REPORT ON
List of accounts closed for any day any branch is
LN163 ACCOUNTS CLOSED
available
TO DAY
28
LOAN
List of accounts - those account balance available
LN236 DISBURSEMENTS
for disbursement
PENDING
account number, name, sanctioned amount,
disbursed, undisbursed, date of first disbursement,
date of last disbursement etc
useful for unutilized portion of loan amount -
details
account wise, product wise details available
MATURED LOANS List of accounts - those accounts where repayment
LN239
WITH ARREARS period is already over.
Useful for follow - up of loan accounts
especially for VSL against our own deposits -
where the deposit is matured
POSTED LOAN
1.accountwise list of transaction on a particular
LN101 TRANSACTION
day
REPORT
2.Inculding the interest debit transaction
3.Productwise list and product wise total available
POSTED
consolidated figure for individual product wise list
LN102 TRANSACTION
of transaction GL number wise available
SUMMARY
number of transaction also available
Report on provisions circlewise, districtwise provision - no data
LN617
made available
not use for branches
Advances remainder letter- I ( first remainder to be
LN620 Remainder Advice III
sent to the borrower)
Useful to generate a range of accounts for any day
G.A module report for List of accounts - document date/AOD date
LN622
AOD/AOS completed 12 months
It is very useful if the report generated for 24
months instead of 12 months to prepare PRR12
Loan remainder notice II ( second remainder letter
LN625 REMINDER ADVICE II
to borrowers)
Useful to generate a range of accounts for any day
ROI WISE BALANCING
LN627 Rate interest wise balancing of advances
OF ADVANCES
General Advances Opened List of accounts opened or closed in a branch for a
LN631
& closed period
List of accounts opened in a branch for a particular
General Advances a/c
LN601 period. We can use LN 631 also
opened
29
Customer based loan report for a range of
LN628 Customer based loan report customers. Can be used for individual customer
also
Outstanding of a range of customers. No data
LN673 Outstanding of a customer
available. We can use LN628 for this purpose
Balancing report on any day- any product or all
LN632 Balancing report
products
Old account number also available
Old & New account To see old account numbers. But we can use
LN633
numbers LN632 also
Due notice remainder III to be sent to the borrower
LN636 Remainder III
for loan follow-up. ( range of accounts)
claim form for solar water Claim form to be submitted to Circle office for
LN651
heater solar water heater-subsidy claim
Progress report on Quarterly progress report on education loan to be
LN662
education loan submitted to RO
Insdustry wise Industry wise deployment of credit for a particular
LN689
deployment of credit branch
LN451 Loan Repayment Schedule Loan repayment schedule of particular account
GA module - follow up Deposits pledged to VSL - follow up ( maturity
LN624
deposits date )
LN634 loan repayment schedule repayment schedule for an account
Insurance premium Insurance premium collected for a period in a
LN257
collected report branch
Certificate of outstanding Certificate of outstanding balance for a range of
LN694
balance accounts for any day
REPORT ON AOD'S
AOD/AOS expiring within ---- months. Useful for
LN653 EXPIRING [TAKEN 6
PRR12
MONTHS]
Sector wise balancing
LN603 consolidated report
report
Sector wise balancing Individual account details for the consolidated
LN700
report report LN603
Statement of account for a loan account for a
LN420 statement of accounts particular period. ROI, repayment term, arrears etc
also available
statement of account for
LN604 1. Statement of account for a range of account
general advances
2.statement of account between two days
3.For issuing Loan pass sheet to a range of
accounts, this option is very useful
CERT. OF EXPIRY
LN644 DATE OF PRR-12 statement -Half yearly due for submission
PRONOTE/AOD/AOS
30
GA MODULE FOLLOW
LN640 same as LN624
UP DEPOSIT
RETURN ON ADVANCES ON
DETAILS OF
SHARES OF JOINT STOCK COMPANIES AS
LN648 SHARES/DEBENTURES
ON DD/MM/YY U/S 19(2) OF THE BANKING
PLEDGED.
REGULATION ACT
RETURN ON ADVANCES ON SHARES OF
SHARES PLEDGED JOINT STOCK COMPANIES AS ON
LN649
LIMIT>10LACS DD/MM/YY U/S 19(2) OF THE BANKING
REGULATION ACT
BORROWERS UNDER List of Borrowers Under Asset Sub code - SS2
LN637
ASSET SUB CODE SS2 Substd-II year
Report on Doubtful Assets generated
REPORT ON Circlewise/Regionwise/Productwise/Sectorwise as
LN612
DOUBTFUL ASSETS. on DD/MM/YY
REPORT OF SUB FORMAT FOR REPORTING OF SUB-

LN650
STANDARD ASSETS. STANDARD ASSETS AS ON DD/MM/YY
GENERAL ADVANCES MODULE-Details of
DETAILS OF SUB
LN682 /NPA Loan Account Holders AS ON DD/MM/YY
STANDARD ASSETS.
- SUB STRANDARD
DETAILS OF GENERAL ADVANCES MODULE-Details of
LN695 DOUBTFUL/LOSS PA/NPA Loan Account Holders AS ON
ASSETS DD/MM/YY - DOUBTFUL ASSETS
CONSOLIDATED CONSOLIDATED POSITION OF SPECIAL
LN645 POSITION OF SPECIAL WATCH CATEGORY OF ACCOUNTS AS ON
WATCH A/C'S DD/MM/YY
STATEMENT OF STATEMENT OF SPECIAL WATCH
LN680 SPECIAL WATCH CATEGORY OF ACCOUNTS AS ON
A/C'S DD/MM/YY
OVERDUE GENERAL ADVANCES MODULE -
LN600
STATEMENT OVERDUE STATEMENT
ACCOUNT WISE
DEMAND ACCOUNT WISE DEMAND - COLLECTIONS
LN690
COLLECTIONS BALANCE as on dd/mm/yy - product wise
BALANCE
GEN ADV. DEMAND
General Advances Module - Demand
LN605 COLLECTION
Collection Balances for an account
BALANCES
INTEREST DEBIT REPORT OF LOAN A/CS
INTEREST DEBIT
DURING THE PERIOD OF DD/MM/YY TO
LN639 REPORT OF LOAN
DD/MM/YY- PRODUCTWISE-
A/C'S
ACCOUNTWISE
RECOVERY
Recovery Performance under PMRY for the
LN661 PERFORMANCE
quarter ended
UNDER PMRY
31
REPORT ON
LN619 RFCOVERY MADE IN
NPA REPORT ON RECOVERY MADE IN NPA
QUARTERLY NPA
LN630
STATEMENT Consolidation Of Quarterly NPA Statement
REPORT ON DATE OF
LN699
NPAS REPORT ON DATE OF NPAs
BREAK-UP OF LOAN Balancing report on any day- FOR A BRANCH -
LN711
BALANCES batch report
LOAN ACCS WITH
LN304 List of account with credit balance
CREDIT BALANCES
REPORT ON
LN163 ACCOUNTSC CLOSED List of accounts closed today - batch report
TO DAY
Staff Housing Loan

LN734 PROVISIONAL INT
GENERAL LEDGER / MINOR SUBSIDIARIES

7775 - 7778
GL008 GL Statement Details of GL code for a period
GL210 GL Voucher transaction Details of a batch number in a branch
summary
GL211 GL voucher batches not Find out if any batch is still open
closed
GL215 Reconcile the account report Reconciled / unreconciled / All entries can be
found with reference number
GL600 Transfer Waste report Transaction for a GL in a particular day
GL601 GL Reconciliation report
GL602 Implemented GL list All implemented GLs where first debit or
credit depending on asset or liability GL
GL603 List of GL Particular GL name/direct/indirect/
implemented / not implemented
GL604 Alert Report Important – Gives opening balance, debit,
credit, closing balance. of 19 GL a/cs To be
taken after EOD (guidelines 40/06)
GL605 Annexure 12 Details of SL entries beyond Rs.25000/-
We have to feed DP Code, BSCA No. and
date
GL606 Annexure 15 Details of SA entries beyond Rs.25000/-
GL607 Annexure 16 Details of BARs beyond 6 Months
GL611 GL voucher details To know batch details on a particular day.
32
INSTRUMENTS/INVENTORY/MISCLLANEOUS.

7775 / 7778
TP5033 Instrument details report
TP5027 Instrument issued today Report
TP6000 Inventory Movement Report
TP6001 Inventory held by teller
BA001 Unauthorized Maintenance All unauthorized, Non-financial
Report transaction like stop payment, hold funds,
etc.
ST662 Unprinted instruments Unprinted remittance like
DD/PO/IBA/LCCR/BAR
TP5028 Inter branch account opened
today
TP5029 Teller Inter branch Transaction
Report
TP6005 Old To New Account Enquiry For CASA & TD Accounts
BA110 Transaction Accepted form File upload GEFU FP BA450)
External System
BA111 Transaction Rejected from the
External System
DAILY TALLYING OF TRANSACTIONS

I CASH
FP6201 Cash Balancing To know whether cash position is in sync
with Branch db & Host db
FP 7775-7778
TP5049 Cash transaction position Details of all cash Txns posted (Receipt
& Payment waste)
ST644 Teller product-wise, cash
transaction report
TP6007 Auto Reversed Transactions Txns reversed by the system
TP5021 Cash position Closing Cash Position of Branch
TP606 Cash transaction above Rs.10 lac CTR
II TRANSFER
TP6002 Transfer Extract Teller wise transfer entries
ST649 Teller Product-wise Transfer
transaction report
ST651 Teller-wise transfer Txn... details
33
CHAPTER – 6
REPORTS UNDER BUSINESS OBJECTS:
Following are some of the important reports available in Business Objects (URL
: 172.16.38.138:8085/wijsp/)
Consistency Reports
1. Contingent
2. Deposits Advances Bills Consistency report
3. Deposits Advances Bills Consistency report Brs
4. CONTINGENT_MOD
5. LCCR CONSISTENCY
6. Manual_Deposits_and_Advances
7. GLConsistency
8. FCC_REVAL_REPORT_BILLS
9. EXRATE_DIFF_TRACKING_BILLS
10. FCC_REVAL_REPORT_LOANS
Delivery Channels
1. ATM CASH GL REPORT
2. ATM DEBIT Card Particulars
Deposits
1. Data on retail term deposits
2. Deposits FCNR & RFC Old Ac No. and New Ac No
3. TDS_REMITTANCE_REPORT_SBNRO
4. FCNR RFC BALANCING
5. credit_balance_od_accounts
6. FDR UNPAID INTEREST
7. List_of_Operative_and_Inoperative_Acs
8. Interest_dump_for_CASA
9. TDS waiver details
10. CANPREMIUM & SB GOLD ACCOUNTS WITH AVERAGE BALANCE
50000 OR 1 LAKH AND ABOVE
11. CANPREMIUM & SB GOLD ACCOUNTS WITH AVERAGE BALANCE LESS
THAN GIVEN AMOUNT
12. Deposits_of__Employees_EXEmployees_SeniorCitizen
13. Balance Certificate
14. Agewise_Overdue_Deposits
15. MultiCityCheque_Facility_not_maintained_min_bal
16. Canara_Super_Savings_Salary_Accounts_with_no_credit_for_last_3months
34
17. DOMESTIC DEPOSITS DUE DATES FOR FOLLOW UP
18. MULTICITY_CHEQUE_FACILITY
19. TDS Remittance
20. SB-CANCHAMP_CANTAX-SAVER_CANARACENTENARY
(CONSOLIDATED)DETAILS
21. SB CANCHAMP_CANTAXSAVER_CANARA CENTENARY BALANCING
REPORT
22. SB CANCHAMP_CANTAXSAVER_CANARACENTENARY ACs Opened
During The Month
23. DEPOSITS FCNR_RFC DUE DATES FOR FOLLOW UP
24. Deposits above certain amount
25. Consolidation Sheet of Unclaimed Deposits
26. Certificate of Balance Standing to the Credit Debit of parties
27. Details of Canara Centenary Deposit Scheme
28. Deposits - List of Acs where Tranacation is more than
29. Deposits from Banks
30. DEPOSITS FCNR_RFC OLD ACCOUNT No. AND NEW ACCOUNT No.
31. List SB CA Accounts - Less Than Selected Amount
32. TOP CUSTOMERS OF DEPOSIT ACCOUNTS
33. Customers_with_Uncaptured_Signature_Report
34. Interest dump for Term Deposits
35. Statement_for_filing_of_quarterly_return_under_Section_206A_of_the_Income_
Tax_Act,_1961
36. List of SB CA ACs where the AVG bal is equal to or greater than
37. List of TD ACs where the AVG bal is equal to or greater than 5 L
General Ledger
1. GLwise_Transaction_List_FCC_and_FCR
2. GLwise_ Txnlist_with_BatchNo_FCR_GLs
3. gl604_GROP_circlewise
4. gl604_GROP
5. Transaction_Batch_Details_FCR
6. Amountwise_Transaction_List_FCC_and_FCR
General Requirments
1. LC_GUARANTEE_CL_BalancingReport
2. NEW BalancingReport
3. List of Outstanding FLEXI_FD ACs
4. SB accounts opened on daily basis
5. List of SB CA ACs where the AVG bal is equal to or greater than_mod
6. CUSTOMER_DETAILS_OF_A_BRANCH
7. Accounts Opened,Closed During Given Period
8. BRANCH_INSPECTION_REPORT
9. DDs_BankerCHQs_Deposits_in_cash_1lakh_and_above_fot_ITAct133(6)
35
10. Balancing_Deposits
11. Balancing_Report_Deposits
12. AutoReversal_UserReversal_Transactions
13. Customer Wise Liability & Assets
14. Migration GL vs Live Day Book
15. Total Business Under CBS
16. Accounts_with_zero_balance
17. CUSTOMER DETAILS NOT ENTERED_CIM11
18. Details_Of_Customers
19. Standing Instructions Registe
Day Book And Transfer Waste

1. Transactions_Enquiry_FCR_Transferwaste(for one week)
2. 162_DayBook_Including_EC_Figures_from_01-08-2006
3. Transactions_Enquiry( For One Month)_New
4. DayBook_Including_EC_Figures_from_01-08-2006_asonmigdate
5. 163_TransferWaste_By_Branch_Code_Part1
6. 163_TransferWaste_By_Branch_Code
7. 162_DayBook Excluding EC Figures from 01-08-2006
8. Individual transacions of the consolidated GL in Transfer Waste
Minor Subsidiary And GL

1. GL
2. GL_MOVEMENTS
3. Negative Balance Progress Report
4. GL_Reconciliation_report_Amount_wise
5. GL604_Balances
6. SL_OL_PARKING_GL_OUTSTANDING_BALANCE
7. DETAILED_MINOR_SUBSIDIARIES_BALANCING
8. 161_General_Ledger
9. General_Suspense_Outstanding
10. Negative_Balance_in_Minor_Subsidiarie
Loans And Advances
1. Interest_rate_for_loan_accounts_IncludingZeroAccVariance
2. AGRI INTEREST DUMP
3. List of Deposits Taken as Security and Their Maturity Dates
4. List_of_NPA_Accounts30 SEP08
5. DAILY_DISBURSEMENT_REGISTER
6. Yearly_Disbursement_Register
7. Provisional_interest_charges_report
8. SB_CA TOD ACCOUNTS
9. Loans_and_Advances_Security_Details
36
10. Cheque Purchase Register
11. Interest_rate_for_loan_accounts_WithOption
12. INTEREST DUMP For FCR Loans ODOCC_KCC Accounts
13. Weekly Liabilty Position
14. LIST OF LIMITS EXPIRED AND UNEXPIRED
15. List_of_STD_and_NPA_Accounts
16. Sectorwise_Balancing_Report_Loans_and_Advances
17. Letter_to_ Borrower_Informing_Change_in_ROI
18. List_of_NPA_Accounts
19. Interest_rate_for_loan_accounts_ExcludingZeroAccVariance
20. Interest_rate_for_loan_accounts_latest
21. INTERST RATE FOR LOAN ACCOUNTS
22. Discretion_Advances
23. Loans_and_Advances_MIS_Particulars
24. cdb Outstanding Register
25. LIMIT GREATER THAN SPECIFIED AMOUNT
26. Top_Borrowals
27. TOD_GRANTED_TODAY
28. Details_of_Overdues
29. credit_facility_permited_under_emergency_power
30. Funds in RPA
31. Asset_Classification_Descrepancies
32. Loan Accounts Schedule
33. Valuation of Perquisitites for OD Accts
34. Net Interest rate for OD_OCC_Accounts
35. List_of_Accounts_where_SI_is_less_than_Instalment
36. day to day & monthly reporting in respect of purchase of cheque
37. Cert_Actual_int_collected_WITH_SUSPENDE_INT
38. PROGRESS REPORT ON QUICK MORTALITY
39. Return on Borrowal Accounts Suffering Quick Mortality
40. statement of monitoring credit system
41. Adv - List of Acs where Tranacation is more than
42. 77_POR21_Nabard Monthly Disbursement Reg
Other Requirments
1. OS_Liab_in_OD_OCC_WCDL_Including_TOD_Of_SB_CA
2. Imb Customers List
3. report listing Old & New Cust ID
4. 3047.1 Full Details of Customers for AML
5. 3047_Customer details for IMB IVRS
6. REPORTS_INFORMATION
In addition to above reports, returns and statements to be generated & submitted

by branches like FLASH, RBI etc are available in Business Objects under MIS
REPORTS – BSPL, BSR, PRR, POR, PSR & STR folders.
37
CHAPTER – 7
ADVANCES CONCEPTS IN FLEXCUBE – RETAIL

A loan account in FCR is driven by many independent factors such as, schedule, interest
rule, interest rate plans etc., which are tightly-knitted to become a Loan Product.
The Loan products (e.g. 601) created by DIT has various schedules depending on different
types of repayment options offered to the customers like fixed interest rates, floating
interest rates, with holiday period, without holiday period, holiday period with EMI,
holiday period with IPI etc.,
Each schedule (e.g. 2 for Prod 601) is a combination various rules/plans attached to it such
as, interest rule, interest rate plan, and installment rule, interest processing rule, installment
details, penalty for non-payment, and penalty for early settlement.
It is defined in Interest rule (eg.6009) as to how interest base is arrived at, i.e., whether
advance payment made in the account should get interest benefit from the date of payment
and for penal interest whether to include charge arrears etc.,
Various Interest rate plans (e.g. 1130) are created depending on different types of needs
of interest definitions such as follows:
 Floating / Fixed Rate of interest

 Tiered / Non-tiered
 If tiered, whether
o Cumulative interest based on sanctioned amount / outstanding amount
o Incremental Interest based on sanctioned amount/outstanding amt
 Rate of Interest based on amount slabs
 Rate of Interest based on Term slabs
The above can be verified in LN060 for any given product rate plan.
This Interest Rate Plan is modifiable by the branches by entering 'Interest variance' at
account level in LNM83 (Account Rates). If not modified, it takes all the details from
LN060 which was defined at DIT level. Whenever rate changes are effected at DIT level
in LN060, the changes will get percolated to all the accounts (where the interest type is
'Floating') and the account interest variance provided by the branch, if any, will be intact.
However, it is possible for the branches to make the interest 'Fixed' for an account by
checking the 'Set Fixed' flag in LNM83. This ensures continuation of interest 'fixed'
by the branch for the account irrespective of Rate of interest changes effected by DIT.
Thus, calculation of interest on any account depends on the schedule under which the loan
account is opened, which in turn depends on the Rate of interest defined in LNM83 as
follows:
38
1. Account Rates (LNM83) - To arrive at the Net Rate of Interest, Rate
Effective Date and whether interest to be applied as per incremental/cumulative
slab.
The Interest Rules and Accounts rates may vary during different stages. For e.g. the interest
could be simple during holiday period and compounded during repayment period
(Educational Loans). These are taken care at Global level by DIT.
ACCRUAL AND CHARGING OF INTEREST IN CBS
In CBS scenario, the interest is accrued before charged (debited) to the account. For
Anniversary type of accounts (other than staff accounts), the accrual of interest is done in
two stages as follows:
I Stage: Interest is accrued from the date of opening/last interest charged date till the
end of the month. At this stage the interest accrued is debited to Interest
Accrual head of the account and credited to interest collected account
(income is recognized) (For e.g. if an account is opened on 5th June, the
interest is accrued from 5th to 30th June).
II Stage: Interest is accrued from first day of the month till the installment due date.
This is called 'Catch up Interest Accrual' (in the above e.g., interest for July
is calculated for the period 1st July to 4th July).
At the end of the II stage (i.e., on 5th July in the above e.g.), the amount
outstanding in 'Interest Accrued' head will be reversed by debiting to the
Loan Account (Interest Receivable Head) and crediting to 'Interest Accrued'
Head. This is called 'Charging of Interest' in CBS environment.
For Calendar type accounts (staff accounts), the accrual and charging of interest for the
month will be done simultaneously on the last day of the month.
It may be noted that the total liability in an account is sum of Outstanding Balance
(Principal + Interest Receivable) & Interest Accrued and not necessarily the ledger
outstanding balance alone.
The interest outstanding in the Interest Accrued Head of the account can be seen for an
account in LNM10 – Account details.
DIFFERENT STAGES OF REPAYMENT PERIOD
The following are the stages, through which the loan accounts in CBS have to pass
depending upon the schedule selected at the time of opening.
1) Holiday / Moratorium Period - During this period neither installment nor interest is
be expected to be paid by the borrower (Holiday period for both principal and interest
- E.g. Education Loan). However, during this period, interest is calculated at monthly
rests, compounded or simple as the case may be. The interest calculated so, will be
debited to Interest Accrued Head and credited to Interest Collected Head, recognizing
the same as income. This will continue till the end of the holiday period. The total
interest accrued during the entire holiday period will be charged to the account only on
39
completion of the holiday period by crediting to 'interest accrued' and fresh schedule is
drawn for the outstanding balance for the term of the loan. This is called as
'Capitalization' of interest in CBS.
2) Interest Only Installment (IOI) Period - This is holiday period for only principal
installments. During this period, Interest debited on calendar/anniversary date becomes
due and principal installments are not expected (E.g. Housing Loan to customers).
3) Interest Principal Installment (IPI – Principal in equal monthly installments +

Interest as and when due) - During this period actual interest debited to the
account and fixed installment amount will be payable by the borrower. For e.g. if a
loan of Rs.1,00,000 has to be recovered within 10 months, then the IPI will be
Rs.10,000 + Actual Interest charged to the account for the month.
4) Equated Periodic Installments (EPI/EMI) – During this period, equated installment

will become due periodically (actual interest + principal recovery to match the EMI
amount. For e.g. if a loan of Rs.1,00,000 has to be recovered within 10 months, then
the EMI will be arrived at by the system basing on the number of installments, interest
for 10 months at rate of interest on reducing balance method, say Rs.10,600 p.m.
(However, while appropriation, the system first appropriates actual Interest charged to
the account for the month, any other dues and then the remaining amount will be
appropriated towards principal).
5) Post Maturity Installment Stage - If the loan is not cleared before the due date,
on maturity, the loan account slips to PMI stage and the account will be governed by
the rates/rules defined under this stage for the given schedule.
Branches may note that, presently, there is no difference in the ROI prescribed for an
account irrespective of the stage of the account.
SIMPLE/COMPOUND INTEREST
The type of interest charging on loan accounts, whether Simple or Compound interest and
if compounded, the compounding frequency etc., is taken care by DIT at schedule level
and Interest rules attached to the products. E.g. Education Loan, Staff loans etc.,. Hence,
branches should ensure that they have selected right schedule at the time of opening the
account.
OD/OCC ACCOUNTS
Branches may note that Interest for OD/OCC Accounts are not governed at Product level
but provided at Account level by branches. Hence, whenever Rate of Interests are revised,
40
the branches are required to change the interest on OD/OCC/KCC accounts at account
level, at least one day before the effective date, since the change of interest will take place
only during the next Beginning of Day Process
OTHER FEATURES OF FCR - ADVANCES MODULE
1. Facility to fix different Rates for different types of interests, such as
 Regular interest
 Post maturity interest
 Principal part amount paid off
 Early closure of loan account ( Take of liability by other bank)
 Penal interest
2. Facility to fix the concessional ROI only up to regular repayment period and fix
normal interest or additional interest, if the account is not repaid before due date
(PMI stage)
3. Facility to modify the Rate of Interest at Account level (LNM83)
4. Facility to create/modify Rate of Interest with effect from a future date.
5. Facility to demand principal & interest at different frequencies (e.g. Principal

installments – Monthly and interests – quarterly, etc )
6. Facility to demand only interest during holiday period (IOI)
7. Facility to fix Multiple repayment stages up to 8 stages.( e.g.: 25000*24 +

50000*24 + 75000*36 etc) ( multiple IPI)
8. Facility to view all necessary information like sanctioned amount, disbursed

amount, overdue in principal, interest , fees, total arrears, security, customer
/Joint borrower/Co-obligant/guarantor ID , transaction ledger, outstanding in
principal, interest accrual etc, GL transaction ledger, interest rate, interest
base, term of the loan etc. in a single screen (LNM10)
9. Display of each type of arrears( Principal, interest, charges etc) along with age of
arrears (overdue period) of an account
10. Facility to reduce the sanctioned amount after part disbursement(LNM38)
11. Facility to keep a memo pad for the purpose of follow up is which will be displayed
at the time of accessing the account (BA437)
41
12. Facility of keeping the advance payment made to an account in SL (Repayment
Pending Appropriation). The system will take care of appropriation of this amount
as & when the installment/interest becomes due at a future date.
13. Facility for the borrower to pay-off portion of his liability (PPf-1066). In such case
the system will reschedule the account by reducing term/installment at the option
of the borrower.
14. Automatic Rescheduling of Loan account on modification of ROI at central level

or at account level by recalculating the Term or installment (as per the option
selected at the time of changing ROI) on the effective date of EOD process .
15. Facility to debit the insurance premium from the loan account on due date of the
premium, automatically.
16. Draw down facility to automatically collect amount to the extent of arrears from
the operative account of the borrowers.
17. Facility to reverse wrong credits made to account, if any. In such case the system
will reinstate the position of the account before such wrong credit.
18. Facility to attach unencumbered portion of security value to another loan
19. Facility to defer principal installment and interest or defer only principal installment
during repayment stage.
20. Capitalization of accrued interest during holiday period, immediately on

completion of holiday period. Account gets rescheduled with revised principal
automatically.
21. Facility to reschedule with or with out arrears during repayment period
22. Facility to Rephase (Restructure) loan account with an option to shift to another
Schedule
23. Facility to view the history and details of earlier repayment schedules
24. On classification of an asset as NPA, the unrecovered interest in the account will
be reversed (claw-back) automatically.
25. Interest for NPA Accounts is debited to the loan account without recognizing the
same as income. Hence, the ledger becomes a Mirror account for NPA accounts.
26. In case of recovery in NPA accounts, income recognition is automatically taken

care without any manual intervention
42
27. Facility to recall an advance making the same fully overdue.
28. Automatic classification of NPA and Provisioning is supported, which is not

enabled as of now.
29. Facility for writing-off a loan account partially/fully. System will take care of
reversing of suspended interest and fees automatically.
30. Facility to know the write-off amount for the branch/Bank at any particular point.
31. Facility to know the NPA interest receivable for the branch/Bank at any point of
time
32. Facility to accept repayment, disburse the loan amount and close the loan account
of other CBS branch.
33. Facility to update Market Values of approved shares globally at DIT level basing
on which the system automatically arrives at Drawing Power of OD accounts which
are secured against these approved shares.
34. Facility to charge penal interest on the basis of depletion/unavailability of security

in OD/OCC account
35. Facility to draw arrears from one CASA to another CASA account ( Sweep
in/Sweep out)
36. In case of VSL/OD against deposits, facility for crediting the maturity proceeds of
deposits to the concerned VSL/OD.
37. Facility to grant single VSL/OD against multiple deposits and multiple VSL/OD
against single deposit
38. Facility to define MIS codes applicable to a product/account, which helps in

generation of various types of MIS reports
39. Facility to draw Balance Sheet on daily/monthly/quarterly/half-yearly/yearly basis.
40. Facility to know the Profit of the Bank/Branch at any point of time.
CHAPTER – 8
ISSUES TO BE HANDLED PROCEDURALLY
43
The following are some of the limitations of FCR application which should be taken
care procedurally. Hence inspecting officials can focus on these areas while inspecting
a CBS branch.
CASA
In Flexcube, new account can be opened without entering mandatory details like account
operating instruction.
Following reports can be generated later on to check accounts where these Information’s
are not captured:
Ø BA115 – Accounts without operating instruction
Ø CH704 - Signature not captured at Account Level, CI115-at Customer Level
Ø CH642 – Introducer details not captured
Operations in the account
System does not mark an account as new for first six months.
Ø Newly opened / transferred in accounts.
Ø Accounts whose status has been changed as operative (Who were earlier Inoperative)
Monitoring of New Account for Debits more then Rs 25,000/- in SB and Rs 1,00,000/-
in CA.
Cheque Book Issuance
System does not validate for issuance of cheque book to ineligible customers like blind
and illiterate.
1. To prevent issuance of chequebook to these customer's, Ensure that in CH021 cheque
book flag is unticked for ineligible customers.
2. System does not levy service charge for NON-MICR cheque-book issuance @ Rs. 1/-
per cheque leaf. (It collects service charge according to MICR rate @ Rs 2/- per leaf)
Service Charges
System does not debit any service charge for the following:
1. Duplicate Passbook printing including old entries for more than one page,
waiving of SC to be done manually (GL12/2008)
2. Minimum balance violation for inoperative SB & CA’s.
3. Minimum balance violation for EEFC CA in GBP and EUR currencies.
4. Minimum balance violation for CA RFC Domestic Account, where minimum
balance not maintained for more then one day.
5. Issue of second set of pass sheet.
6. Service charge for SB withdrawal more then 50 in a half-year
7. Service charge for withdrawals in Cansaral accounts.
8. Call deposit receipt printing.
9. Cheque book issuance for EEFC a/c’s.
44
10. Cheque return charges for EEFC a/c’s.
11. Cheque book issuance to Cansaral accounts.
TIME DEPOSITS
TDS cannot be recovered for a closed account if customer is eligible for TDS due to
subsequent fresh deposit/renewal
There is no provision to refund TDS to the customer once the same is deducted from the
TD account. In such cases the same has to be handled procedurally and TDS certificate is
to be taken care.
TDS rate change if any will take place from the date of change. System will not take care
of earlier deductions. The same should be taken care manually
In the case of products other than interest on maturity FDR and KDR, there is no provision
to see the total interest /periodical interest payable. The same can be enquired by opening
the similar account in TDM07.
If lien is marked for an account, on maturity the deposit will be automatically renewed for
the lien marked amount and the balance will be transferred to overdue deposits.
No provision to collect penal charges for delayed payment of rd installment along with the
installment. System will recover the same from the maturity proceeds.
In the case of minor accounts the customer id of the minor is picked up automatically as
the TDS Customer ID. The user should modify the same as that of the guardian (The system
will also prompt the same)
No provision for payment of interest for intervening holidays. To be calculated manually
and paid wherever applicable. (TDS if applicable is to be taken care of procedurally)
System allows renewal of resident deposit as a non-resident deposit. The same is to be
controlled procedurally.
Cash will be accepted for NRE deposits. To be controlled procedurally.
Payment of interest for overdue FCNR / RFC wherever applicable is to be calculated and
paid manually.
NNND & CAN RELAX accounts are to be maintained manually.
OUTWARD CLEARING
In 6520 option, while lodging instruments to minor subsidiaries (Implemented GLs) viz
BA-BARs, SA, SL, input reference no and recon serial no which can be enquired by
generating GL008 report in 7775/7778. This can be viewed in GLM04.
INWARD CLEARING
45
Interest on Cheque returned in inward clearing having amount Rs. 50000 and above is
debited to the account in EOD. Presently the interest is calculated for one day. In case of
intervening holidays such Sundays or any public holiday, interest for the differential period
has to be calculated and debited to the account manually."
COLLECTION
INWARD
Realization proceeds of ICC up to Rs.5,00,000 in case of OSC transactions and any amount
in case of CDB transactions, is to be by way of issuance of branch advice. In all other cases,
the proceeds are to be remitted by way of Demand Draft. This has to be handled
procedurally
Handle of ICC return charges procedurally
OUTWARD
Supervisor has to generate report ST209 on daily basis and verify for the correctness of the
realization.
System is calculating Interest on delayed collection over and above the transit period
selected during lodging and such amount is not rounding off to the nearest rupee. Ensure
the correctness of the amount of interest. While lodging the instrument in 6566, if Transit
period is selected as 30 days then, system will not calculate the delayed interest as Zero
Interest code is attached. This period needs to be selected in case of foreign instruments for
which delayed interest is not to be paid.
MINOR SUBSIDIARIES
Branches should note reference number through option GLM04 before doing offsetting
transactions in implemented GL in option GLM01
Branches should not pass offset entries in non-implemented type GL without ensuring
corresponding credit entry in liability GL and debit entry in Asset GLs through report
GL008 or GLM04 inquiry
Maintenance of General Charges registers.
Branch should use only non-implemented GL No.209272431 (SL-OTH-Parking GL as

parking GL for the purpose of parking and the parking amount should be reversed
immediately on the same day. Branches should ensure that the parking GL should have
NIL balance before closing branch batch.
Branches can give recon number containing <Staff number and Date of debit> while
debiting implemented Asset GL like SA-FA, SA-TA etc for easy reference.
46
GL603 report can be generated to view/print the list of GL. This report will give the details
of ‘Direct / indirect/ implemented / non-implemented’ type of any GL
GL215 report can be generated by the branch to view/print the Bar numbers/ recon number
of any implemented GL
GL611 report can be generated to know the GL voucher entries after closing the GL
voucher batch entered through option GLM01
GL008 report can be generated to know the individual transaction made on any GL.
Branches should ensure that the total of outstanding entries shown in option GM04 under
inquiry type- ‘Reconciliation’ to tally with GL balance.
DEMAND DRAFT
Maximum amount of DD issue limit for the branch should be handled procedurally.
Payment of Local DD should be made at the issue center only. It should not be paid at any
other center. Branch should affix seal ‘LOCAL DD’ on the face of the Demand Draft.
DD should not be revalidated more than once even though system allows revalidating the
DD at any number of times.
Service charge collection for Duplicate / Refund of Demand Draft
Payment of Interest for undue delay for issuing Duplicate DD
When Bulk DD is issued through option 5511, Service charges/taxes for DD issue
modification should be taken care procedurally.
Stale DD issued before migration and presented for payment after migration to CBS,
should be maintained in 8323 only after revalidation of DD manually. DD Date should be
given as ‘Revalidation Date’ in 8323 and the same should be noted in a separate register
for future reference under intimation to IC section of respective circle office.
CHAPTER – 9
FLEXCUBE – CORPORATE MODULE (FCC)
47
Business Object – Trade finance
1. Rebate on Bills
2. Bills_details
3. FOREIGN BILL FCC BALANCING TALLY REPORT--MOD
4. FCC Balancing Report
5. DSB_11_5_SUMMARY
6. EXCEPTIONAL REPORT
7. Accrual liqudation correction for foreign bill_mod
8. Accrual liqudation correction for closed contracts_mod
9. INLAND BILL FCC BALANCING TALLY REPORT--MOD
10. Forward Contract Cancellation
11. Statement_of_Issuance_of_Guarantees_and_Letter_of_Comfort
12. Clearence_of_overdues_GRs
13. STATEMENT_OF_LIABLITIES_UNDER_CONFIRMED_LCs
14. Foreign Bills Interest Collected Register
15. FOREIGN_BILLS_TRANSACTION_ADVICE
16. Statement of packing credit advances
17. ENHANCEMENT IN THE RATE OF INTEREST
18. DAILY FC TRANSACTIONS REPORT
19. Forein bill day book- balancing
20. Bills Balancing report
21. LIMIT AND LIABILITY OF A PARTY
22. Advance Interest correction for foreign bill
23. Inland bill day book- balancing
24. Forein bill day book- balancing
25. Accrual liqudation correction for closed contracts
26. Contingent Liability Report_modified
27. Accrual liqudation correction for foreign bill
28. Advance Interest correction for foreign bill
29. Int accr fcc adv
30. Int accr fcc bills
31. Outstanding Collection Bills
32. List of PCs to Suppliers
33. contingent liability foreign bills

34. contingent liability inland bills
35. Devolved LC List
36. Inland bill day book- balancing
48
37. Key Register of all contracts
38. DPGs on account of ECBs
39. Guarantees Balancing Report
40. Contingent Liability Report
Business Object – Trade finance – Bills
EXPORT BILLS
1. Bills balancing report - Incoming operation type – ACC or Col

Outgoing operation type – Col or Dis
2. List of Bills due for de-linking

3. List of Bills due for Crystallization
4. LIST OF OVERDUE EXPORT BILLS
5. List of bills due for payment
6. Forex Bills Turnover
7. Fex bills history
8. Bill of Entry register
9. Fex bills advance interest
10. Key register Foreign Bills
11. ECGC Post Shipment Worksheet
12. ECGC Post Shipment Premium Calculator
13. Export Bill Written Off
14. Compliance Certificate for making Remittance of Import Bills
15. LETTER FOR IMPORTER WHILE DELIVERING IMPORT DOCUMENTS
16. Over Due Import Bills
17. Monthly Statement of Overdue Export Bills
18. Statements of Export Bills to be De-linked
19. Statement of Import bills to be De-linked
20. Letter to Exporter in case of overdue export bills
21. Un-drawn Balance Register
22. Certificate of foreign currency
23. Bills Covering Schedule Bill wise
24. Bills Covering Schedule date wise
25. Bills Covering Schedule Product wise
26. BILL TURNOVER REPORT
INLAND BILLS
1. List of Register
49
2. Bills discounted_or_purchased
3. Inland_Bills_Turnover
4. Inland bill History
5. Bills Balancing Report
6. Inland_bills_transaction_advice
7. List_of_Inland(Inward-Outward)_Bills_under_LC
8. List of Overdue Inland Bills_ Due But not paid
9. Bills due for payment-as on any date
10. Inland Bills (Purchase) Register
11. Inland Bills (Collection) Register
12. Bills_Dishonour_intimation
13. Supply_Bills
14. BBMP Bills
15. List of Bills_BOE Submission Pending Register
16. Import_Bills_Register
17. REMINDER_I_(ORDINARYPOST)_FOR_FOLLOW_UP_OF_DOCUMENT
ARY_EVIDENCE_OF_IMPORT
18. Documentary_evidence_of_import_Rem2
19. Submission of Alternative Document
20. Register of BOE received at branches
21. Format of BEF (RBI) Statement
22. Format of BEF (RBI) Statement_DIT
23. Format of BEF (Our Bank) Statement
24. Export Bills pending to be delinked
25. Statement of Usance Import Bills under LCs
26. Income from Import Bills
27. Demand Notice for Bills drawn under ILC
28. Particulars of Bills which are co-accepted by Banks
29. Return on Bills discounted by us and co-accepted by other banks
30. accrual liqudation differences for closed contracts main and penal int wise
31. Bill_Acknowledgement_Bank_Drawer
32. Bills_Covering_Schedule_Billwise_OUTWARD
33. Inward Bill Intimation letter
34. Loacl support demand bills
35. Local Secured Demand Bills
36. payment advice for inward bills
37. Supply_Bill_Followup_Letter_To_Drawee
38. Supply_Bill_Followup_Letter_To_Drawer
FCC – LIMITS
50
Business Object – Trade finance – Limits
1. Total limits and liability of a party
2. Limits expired or expiring between dates
3. Limit Liability Overdue Partywise
FCC - PACKING CREDIT
Business Object – Trade finance – Packing Credit

1. Party-wise liability register for PC
2. Pass sheet for PC account
3. Balancing report for PCFC accounts
4. BULK
5. Monthly PC interest debited to operative account
6. ECGC Pre shipment Worksheet
7. BALANCING REPORT FOR PC ACs
8. Partywise Liability Register for Packing Credit Accounts
9. PRR-2B MONTHLY REVIEW OF PRESHIPMENT CREDIT ADVANCES
REPORT
10. Accountwise PC-Pass_sheet
11. STATEMENT OF PACKING CREDIT ADVANCES
12. Balancing report for loans
13. Bank Finance extended to Diamond Exporters
14. Interest Details Dump for PC Accounts
15. ECGC Pre Shipment Premium Calculator
FCC - LETTER OF CREDIT (LC)
Business Object – Trade finance – Letter of Credit

1. Cash margin on LC guarantee as on date (Both LC & Guarantee)
2. LC balancing
3. Devolved LC between dates
4. Compliance Certificate
5. List of Bills Booked under a given FLC
6. List of Bills Booked under a given LC
7. LC Balancing Report
8. LC TURNOVER REPORT
9. LC Events History
10. List of Bills Booked under a given LC
11. List of Expired LCs
12. ADVANCE COMMISSION COLLECTED REPORT
13. List of Expiring LCs
51
14. List of LCs linked to limit Node
15. Foreign LC register
16. Devolved LC List
17. List of LCs with margin details
18. Bills under ILC Register
19. Due Notice to customers when bill is drwan under ILC(Usance)
20. DEVOLVED LC THAT ARE NOT CLEARED
21. Contingent Liability Report
22. STATEMENT OF OUTSTANDING CONFIRMED LCS
23. ILC Register as on any date
24. BALANCING REPORT CASH MARGIN ON LC
25. Statement of expired LCs-BGs
26. statement of expired lcs
27. CLEAN_LC_DETAILS
28. Guarantee expiry letter
29. Inland_irrevocable_documentary_credit
30. Inland_irrevocable_documentary_credit_1
31. List of LCs with amount range
32. Outstanding LC report
33.
FCC – LOANS
Business Object – Trade finance – Loans

1. List of Loans with amount range
2. Partywise Overdue Advances Report
FCC – GUARANTEES
Business Object – Trade finance – Guarantee

1. Guarantees_Balancing_Report
2. List of Guarantees expiring in 'N' days
3. Statement of Guarantees
4. GUARNTEE ISSUED FOR A PARTICULAR PERIOD
5. GUARNTEE_EXTENDED
6. Expired_Guarantees_Report
7. FINAL GR
8. Guarantee expiry letter NEW
9. Guarantees_Report
10. Guarantee Covering Letter
52
FCC – Forward Contracts
1. FC Liability register#
2. Maturing Forward Contract
3. Forward Contract register
4. Forward contract Note(Purchase)
5. Forward Contract History
53
CHAPTER – 10
GOVERNMENT BUSINESS MODULE (CBS)

CHANNEL- G (OLTAS - DIRECT TAX)
Accessing the application –
Note: Inspector’s User profile is not available in GBM as in the case of FCR and
FCC. In case of need Inspecting officials can ask the branch user to login and verify
the details required.
Double click on the INTERNET EXPLORER icon provided in the Desktop and type
address as 172.16.37.55:4001/login.asp for the CHANNELG software.
 Double click the icon called ‘GBM’ available on the desktop. The home page of
the Channel-G application appears.
 Select the branch name and press TAB
 Wait for few seconds then enter User name (staff No.) and User Password.
 Select the Direct Tax module under module menu.
 Click on LOGIN
Daily Transaction reports:
 Long Book List of cleared entries for the day Mode wise (only after Mark completion
of daily process)
 Cash List – List of Cash entries for the day
 Transfer List – List of transfer entries for the day
 Clearing Mini Waste – List of realized entries for the day.
 Before Summary Long Book – Summary List for the day (before processing)
 User Wise details – List of Data entered User wise.
Reports to be sent to Focal Branch
 Receipt scroll for the branch can be generated

 Amendment Scroll – Amendment Scroll for the Branch can be generated
 Forwarding Letter – Forwarding letter with the summary can be generated
 Monthly report – Date wise Monthly Report can be generated using this option.
 Daily Summary in Deal – The Daily Summary report can be generated
 Certificate of lost Challan –Getting the certificate of Lost Challan is done
54
Channel- G (CBEC) Excise Tax module
 Double click the icon called ‘GBM’ available on your desktop. The home page of
 Select your branch name and press TAB
 Wait for few seconds; then enter User name (staff No.) and User Password.
 Select the Excise Tax module under module menu.
Deal Reports:
 Transfer List - List of transfer entries for the day

 Clearing Mini Waste - List of realized entries for the day
 Cash List - List of Cash entries for the day
 Daily summary receipt- To send Focal Branch can be generated
 Daily summary payment – To send Focal Branch can be generated
 Receipt scroll and Payment Scroll – To send Focal Branch can be generated
 Certificate Lost challan – Getting the certificate of Lost Challan is done
 Amendment statement- Amendment Scroll for the Branch can be generated
 Long Book - List of cleared entries for the day mode wise
 Certificate of lost Refund -Getting the certificate of Lost Refund is done
 Monthly summary receipts - monthly receipt report can be generated
 Monthly summary payments - monthly payment report can be generated
 Forwarding letter Annexure II – letter can be generated to send focal branch
Channel- G (Departmentalised Ministry Accounts)

 Select the MINISTRY ACCOUNT under module menu.
55
Daily Transaction Reports
 Transfer List - List of transfer entries for the day

 Clearing Mini Waste - List of realized entries for the day
 User wise details - Shows the list of entries for the day user wise
 Long Book - List of cleared entries for the day mode wise
 Cash List - List of Cash entries for the day
 Before summary long book – List of entries for the day mode wise before
summary processing
Reports to be sent to focal branch
 Payment Scroll - Annexure II

 Receipt Scroll - Annexure III
 Daily Advice Annexure – Annexure V
Deal branches are to prepare Daily Payment and Receipt Scrolls (Annexures 3 & 4) in
quadruplicate, separately for each Ministry. Each day's scroll will be given a running serial
number for the accounting year from 1st April to 31st March, separate serial numbers
being given to scrolls of each account. These serial numbers on the scrolls will bear prefix
'DMA (E)' for payments and 'DMA(R)' for receipts. The serial number of the entry in the
scroll will be recorded on the corresponding cheques/challans for the purpose of
identification. After the books of the branch have been balanced with reference to the total
of day's scrolls, two copies of the scrolls along with the relative challans / paid cheques are
to be sent to the designated 'Focal Point Branch' (and not to PAO) with a Daily Advice
Annexure (annexure - V) on a day-to-day basis. One copy of the scroll is to be sent directly
to the concerned 'DDO'. The fourth copy of the scroll is to be retained by the deal branch
for their record.
Channel- G (POST OFFICE)

 Select the POST OFFICE under module menu.
56
Daily Transaction reports
 Long Book - Before Summary List for the day (before summary processing)
 Long Book List of cleared entries for the day Mode wise (only after summary
processing)
 Transfer Mini Waste - List of transfer entries for the day
 Clearing Mini Waste - List of realized entries for the day.
 Cash Mini Waste - List of Cash entries for the day
Focal Branch Reports

 Payment scroll –Payment scroll for the day
 Receipt scroll Dealing –Receipt scroll for the day
 Forwarding Letter - Forwarding letter with the summary can be generated (after
summary processing)
 Daily advice of transaction (after summary processing)
 Amendment Receipt
 Amendment Payment
 Receipt Ledger – ledger report for selected period
 Payment Ledger – ledger report for selected period
 Monthly report –Deal Date wise Monthly Report can be generated using this
option.
 Certificate lost Challan - token printing of receipt
 Certificate - Lost Refund – token printing of payment
 Monthly statement of Receipt/Disbursement
57
INDIRECT TAX (SALES TAX)
address as 172.16.37.55:4001/login.asp in address bar.
Or
Double click the icon called ‘GBM’ available on your desktop.
The home page of the Channel-G application appears.
To login - Select your Branch name, press on tab and wait for few seconds to refresh the
screen. Using the mouse, click into the field called ‘Name’ and type your login ID and then
using TAB Key move to the password field and type your password. The password will
not be visible – only starts will be shown.
Using the mouse select module name as 'Indirect Tax'
Click on the LOGIN button to proceed further.
Deal Reports
 Long Book List of cleared entries for the day mode wise.
 Cash List - List of Cash entries for the day.
 Transfer List - List of transfer entries for the day.
 Clearing Mini Waste - List of realized entries for the day.
 User Wise details - List of Data entered User wise.
 Receipt scroll for the branch can be generated.
 Forwarding Letter - Forwarding letter with the summary can be generated
 Monthly report – Date wise Monthly Report can be generated using this option.
 Certificate of lost Challan -Getting the certificate of Lost Challan is done
58
CHAPTER – 11
AGRICULTURE MODULE
Two types of products for many Agri-schemes, i.e, monthly interest type and half-yearly
interest type. The following are the Options for the purpose of opening and maintenance
of Agricultural accounts depending upon the periodicity of interest.
Options
Half yearly Monthly
Description
int.type (DND
type) int. type
Customer Addition 8053 8053
Loan Direct Account Opening LN057 LN057
Customer Account Relationship Maintenance CI142 CI142
Account Documents Maintenance LN323 LN323
MIS Xref Maintenance BAM83 BAM83
Loan Security Link Maintenance LNM34 LNM34
Account Schedule AL521 LN521
Agri Loan Disbursement Inquiry 1415 1413
Insurance Policy Master Maintenance BAM77 BAM77
Security Insurance Cross Ref Maintenance BAM67 BAM67
Agri Loan Account Master Attributes Maintenance ALM35 LNM35
Account Transactions Inquiry ALM10 LNM10
Agri Account Schedule Inquiry AL522 LN522
Loan Approved Amount Maintenance ALM38 LNM38
Loans Balance Inquiry 7026 7026
Account Rates LNM83 LNM83
Agri Loan Installment Payment Inquiry 1072 1065/1068
Loans Full Payoff Inquiry 1078 1067
Agri Loans Cheque Book Issue Maintenance ALM37 --
Reversal of Disbursement – Step1 6006 6006

Reversal of Disbursement – Step2 LN045 LN045
MISC Loan Debit (Reversal of latest credit 9540 9540
transaction)
Partial Pay-off 1027 1066
Withdrawal from Credit Balance in KCCS 1422 --
Agri Loan account Application Details Maintenance ALM39 LNM39
Agri Stop Cheque instructions ALM36 --
59
CHAPTER – 12
SAFE DEPOSIT LOCKERS
Home 
Activities

Option Function Additional points
Customer Customer’s Information is Also Introducer’s details can be added and
Profile displayed saved.
Locker Displays List of Lockers : Status supported :
view Available
Booked
Not in use
Status wise / Size wise with Sealed
Key Numbers. Disputed
Sub-judice
Temp allotment
Letter of Add or Edit details of LA  LA Holder need not be our customer
Authority Holder of a particular Locker  LA Holder can register his own
Holder password.
 Permitted to operate only during the
from and to dates recorded.
 Only a single LA Holder for a single
Locker is supported.
Locker Surrender a Locker <DETAILS> : Gives the invoice,
Surrender paid, and due details
<SURRENDER> : To save the record

after keying in the reasons for
surrender.
Locker Holders can be prevented access 1. <Authorizing Bank official>
Lock to their lockers from a particular 2. <Advised by>
date 3. [Reasons] are recorded.
Locker To release the lock and enable 1. <Authorizing Bank official>

Unlock access
2. <Advised by>
3. [Reasons] are recorded.

Break Supports recording Break open 1. [Witness]
Open of a locker and inventory of 2. <Advised by>
items found. Breakopen charges
should be collected thro’
60
HomeActivitiesAdditional 3. [Reasons] are recorded.
Charges.
Items Facilitates registering list of  [Witness]

found items found outside locker.  [Inventory list]
(outside  <Items found on> date recorded
locker)
Additional Any incidental charges  [Charge description]
Charges pertaining to a particular locker  [Amount] are recorded.
can be levied thro this option .
Complaint Records complaint regarding  <complaint date>
Register Lockers : Both lodged by  [complaint]
Customer and Bank official.  [customer name] are recorded.
61
CHAPTER – 13
LENDING AUTOMATED PROCESSING SYSTEM (LAPS)
URL: http://172.16.43.153:9200/laps
As part of implementation of Core banking Solution in our Bank, Bank has introduced
Lending Automated Processing System (LAPS) to take care of pre sanction requirements
& post sanction review of Loans and Advances. Core Banking Solutions facilitates the
Pre sanction process of Loans and Advances by using the Package namely LAPS. LAPS
is interfaced with Flexcube Retail Module. The Retail module of this software is
customized, parameterized .
The CBS Branches can utilize the package by using the Internet explorer icon and Type
the following URL in the address field.
Main features of this software are:
 LAPS is a Web based Online Application

 End-to-end integrated Loan Processing software
 Supports all stages of the Loan processing such as
 Application processing
 Pre sanction / Inspection details
 Appraisal of Credit
 Sanction
 Post Sanction Review
 Supports Credit Risk Rating
 Supports MIS Reports on Loan Processing
LAPS has got following advantages:
 Facilitates easy navigation within screens

 Already Integrated with CBS (FCR)
 Time saving in Loan Opening in Flexcube
 Facilitates generation of Amortization Table (Loan Repayment Chart)
 Facilitates taking Print-outs of Amortization Table, Applications, Token of
Service, Appraisal Report, Sanction/Rejection Letter, Sanction/ Rejection
conveying letter, etc.
 Facilitates better MIS Reporting in Business Objects on Loan Processing /
Sanction
LAPS supports the following three modules:
1.Retail Module, 2.Agriculture Module and 3.Corporate Module
62
Retail Module
This document provides guidelines to the Branch Users in using the RETAIL MODULE.
This broadly covers the following in respect of Retail Loans:
 Application Processing, Appraisal & Sanction

 Automated Credit Risk Rating
 Sanction of Loans by RO/CO/HO through on-line
 Facilitates instant communication across all levels of Users through in-built E-
Mail
 Facilitates formation of Asset Growth Centres (Centralized Loan Processing
Units)
The Process Flow involved is as follows:
 Capture of Customer ID and customer details – in Flexcube and replicated to

LAPS
 Input of Application details by Operator
 Processing of Application by Officer
 Pre-Sanction / Appraisal by Officer
 Recommendation / Sanction by Manager & above
 Disbursal in Flexcube
 Review by the next higher authority
Risk Management – Risk Rating
In respect of the RETAIL MODULE, the Risk Rating is automatically done by the system,
basing on the inputs provided by the User. Hence, Users are required to provide the details
wherever it is mandatory and marked with an Asterisk symbol (*). The Risk Rating aspects
are parameterized at DIT level as per Bank's requirement.
Canara Bank Defaulters List
Our RBI defaulters list is being uploaded / maintained at Global level from DIT and hence
the Branch Users need not update the same at their end.
With regards to Our Own branch defaulters list, the Branch Users have to enter the
Applicant's Customer_ID in that option by using the button 'NEW'. Only then we can
ensure, while opening new application that the customer is not in the defaulters list.
63
IBBS
64
Page No.
CHAPTER - 1 INTRODUCTION AND KEY MAPPINGS 69-70

CHAPTER - 2 LOGIN / LOGOUT / CHANGE PASSWORDS 71-72
CHAPTER - 3 MENU OPTIONS 73-97
1. Savings Bank Accounts
2. Current Accounts
3. TOD
4. Over Drafts Accounts ( OD / OCC / KCC )
5. Cheque Book issue Details
6. Term Deposit Accounts and TDS
7. General Advances
8. Interest (General Advances)
9. Bills Module
Bills (Collections)
Bills (Purchased)
Bills (Parameters)
Bills (Income Details)
10. Income and Expenditure
11. HO related details
12. MT Issued Detail’s
13. Demand Drafts
14. Minor subsidiary heads (SL, SD, BAA and SA)
15. Clearing options
16. Standing Instructions
17. Extension Counters
18. ATM Transactions
19. Parameters
20. General Matters
21. User profile access controls
22. Purging Options
23. Signatures Capture
65
24. Nomination Details
25. Log files
26. Lockers
27. Customer related options
28. Non Resident Term Deposit
29. Debit card
30. Unclaimed Deposit
31. Security movement
CHAPTER – 4
ILLUSTRATIONS
I. GENERAL MATTERS 98-107
01. View a particular transactions for a given date (DDMMYY)

02. View of general transaction for a given date
03. View items pending under festival advance for more than 30 days for a given date
04. View HO responding transactions for a given date
05. View ledger balance of an A/C (SB) for given period
06. View details of SB A/C 1234
07. View list of SB accounts opened during a period
08. View various A/C's maintained by a party (customer code 1234)
09. View closing cash balance for a period
10. View list of customers and their accounts with status as minor
11. View local DD commission
12. View number of accounts – SB
13. Get customer code for canara bank
14. View BARs outstanding for more than 90/60/30 days
15. View list of current a/cs with balance below a given amount (say Rs.500/-)
16. View SB account parameters
17. View CA parameters
66
II. T O Ds
1. View TODs granted during a given period

2. View TODs granted to SB 1060
3. View list of SB A/C's with debit balance
4. View date of first TOD in CA 1234
III. ADVANCES
01. View list of loan accounts granted during review period

02. View list of a/cs which have completed two years from date of loan papers
03. View list of Sub-standard assets of term loan A/C's as on date
04. View details of loan A/C NO 12345
05. View overdue position of 'DPNNP' scheme A/C's as on a date
06. View overdue position of loan A/C No 12345
07. View list of ODCC accounts with expired limits
08. View list of accounts with slab rate of interest
09. View interest slab for loan A/C NO 1234
10. View turnover for OD A/C No 1234
11. View list of GA accounts with credit balance
12. View interest debited to loan A/C No 12345 ( by the system)
13. View total disbursements made under priority sector during a given period
14. View whether repayment schedule for A/C No 12345 is as per sanction and
rephasement is noted correctly
IV. BILLS
01. View dishonored bills
02. View details of a selected bill
03. View interest details for bill no CDB 3045
V. DEPOSITS
01. View list of KDR accounts with lien noted during review period
02. View list of KDR accounts closed before maturity during review period
03. View latest ROI on deposits
67
04. View scheme parameter for general scheme
05. View list of accounts opened during review period
06. View term deposits of a customer (cus code 6789)
07. View deposit size wise
CHAPTER – 5 Important Day End & Start Day Reports 108-110
CHAPTER – 6 Income Related and other Limitations 111-113

in IBBS application
68
CHAPTER – 1
INTRODUCTION
IBBS Software is developed and maintained by M/s CCSL Ltd, Bangalore. (Subsidiary of
our Bank) The package is developed in COBOL Language. At present IBBS application is
run in “TWO” Operating Systems viz., Novell Netware and Linux.
Multiple clients anywhere on network can share these resources and services
simultaneously. At present, this package is implemented in more than 1500 branches in our
Bank.
The present version available in IBBS software is Version 3.2 (NOVEL) and Version 5.10
(Linux). The various modules available in IBBS are as follows
Sl. No Name of the Module Sl. No Name of the module

1 Core Module 19 Nominee Module
2 SB Module 20 Safe Deposit Locker Module
3 CA Module 21 Term Deposit module
4 ODCC Module 22 Non Resident Term Deposit
5 MS Module 23 Bills for Collection Module
6 IE Module 24 Bills Purchased Module
7 DD Module 25 General Advances module
8 HO Module 26 Sign maintenance Module
9 SI Module 27 ATM Module
10 Inward Clearing Module 28 Debit Card module
11 Outward Clearing Module 29 Purge module
12 Bulk Credit Module 30 Customer terminal
13 Service Charged Module 31 Pay Order Module
14 Customer Integration Module 32 Electronic Event Scheduler
15 Remarks Maintenance Module 33 LPD Module
16 LCCR Module 34 NNND Module
17 General Module
18 Card maintenance Module
Other features available in IBBS software are as follows:
1. Agriculture Advances
2. Kisan Credit Card
4. Any Where Banking
5. Internet Banking
69
IBBS software is user friendly and inspecting officers can easily get various menu options
as detailed in the coming pages. Inspecting officers can type the menu name in the
command line or they can go to respective menus by using function keys
KEY MAPPINGS
Shift + F1 Program descriptions
Shift + F3 Soft Lock
Shift + F4 Back to main menu
Shift + F5 Calculator
Shift + F10 Logout (NOVEL)
Shift + F8 Logout (LINUX)
Note : The HELP options are listed at the menu bar available horizontally a the
Lower part of the screen
70
CHAPTER – 2
LOGIN-IN/LOG-OUT/CHANGE PASSWORD
In IBBS-NOVELL - Platform
First time log-in:
Password has to be created by the Manager/DBA. Change passwords to your secret

passwords.
(Eg: - Login password – initials- 3 letters
User password – easy to remember – 5 letters
Access Key / Application password – 5 alphanumeric characters
Subsequent Log-in:
At log in point
Enter login initials : *** <enter>
Enter user password : ***** <enter>
Enter Application password : ***** <at Access key>
(LOG-OUT:
Type logout <enter>
or
Press Shift + F10 (simultaneously)
71
LOGIN-IN/LOG-OUT/CHANGE PASSWORD
In LINUX Platform
First time log-in:
Password has to be created by the Branch manager. Change passwords to your secret
passwords.
(Eg : - Login password – initials- 3 letters

User password – easy to remember – 6 alphanumeric characters
Access Key / Application password – 5 alphanumeric characters
Subsequent Log-in:
At log in point
Enter login initials : *** <enter>
Enter user password : ****** <enter>
System will prompt for current : ****** (give the password which manager has
password given at the time of creation)
New password : ****** (Give new password containing 6

Alphanumeric)
Retype password : ****** (Repeat the password)
LOG-OUT:
Type logout <enter>
Or
Press Shift + F8 (simultaneously)
72
CHAPTER – 3
MENU OPTIONS
1. Savings Bank Accounts
Option Name Option Detail

SBM130 View - Opened Account
SBM230 View - Closed Account
SBM180 View - Modified A/c Details
SBM290 View Joint Names
SBM300 Account Details
SBM310 List of Accounts
SBM320 Index of Accounts
SBM330 List of Minors
SBM340 List of A/c with clear balance
SBT320 Product/Interest
SBT300 View - Day's Transactions
SBT310 View - Ledger Display
SBM350 List of Dormant accounts
SBM360 Country wise list of accounts
SBM370 Category wise list of accounts
SBM380 A/c opened/closed during month
SBT460 Interest paid Statement
SBT470 Ledger Printing
SBT170 Balancing Report(FOR NRO/NRE SB A/Cs)
SBC000 New Country Information
SBC010 View - Country Details
SBT480 Print STAT Statement
SBT490 View - Stat Details
MNU514 SB A/c Queries Menu
MNU515 SB Transaction Queries Menu
MNU516 SB Reports Menu
MNU517 Country Information Menu
SBM501 S B parameter histories view /print
HSBM300 View purged A/C details – SB
HSBM300A View Purged A/C details CC – SB
SBT370 Interest paid certificate
ADH100 Monthly profitability – S B
FLM310 Flexi list A/c (SB/FD)
SBM325 Alphabetical list of SB A/C's
SBM390 Cansaral A/C opened and closed
SBT250 Certificate of balancing
73
SBM300 Under this option, further options to view are
- (F5) Ledger
- (F6) Signature display
- (F7) Nominee display
SBT310 Under this option, viewing ledger display
- (F5) remarks display
- (F1) Additional information
- (F10) pending transactions are available
SB Parameters
SBM500 - Parameter modification – Savings Bank
Details of SB Rate of Interest, TOD ROI, TOD penal ROI, Minimum balance, No of free
withdrawals, Teller limit, Minimum balance, Service charge for violations of Minimum
balance, etc. are available. This menu will be available only in NODE 1 and for Manager
level users.
2. Current Accounts

MNU061 CA Module
MNU613 CA A/c Joint Details Menu
MNU614 CA A/c Queries Menu
MNU615 CA Transaction Queries Menu
MNU616 CA Reports Menu
MNU617 Average balance Folio Charges Menu
CAM130 View - Opened Account
CAM230 View - Closed Account
CAM180 View - Modified A/c Details
CAM290 View Joint Names
CAM300 Account Details
CAM310 List of Accounts
CAM320 Index of Accounts
CAM340 List of A/c with clear balance
CAM380 A/c opened/closed during month
CAT300 View - Day's Transactions
CAT310 View - Ledger Display
PCAT330 View purged A/C CATOD
HCAM300 View purged A/c detailers-CA
HCAM300A View purged A/C details CC-CA
ADH200 Monthly profitability-CA
CAT180 Resume of accounts-CA
CAT335 TOD list in CA on any date
CAT250 Balance certificate – CA
CAM501 CA-parameter History view/print
74
CAT460 Interest paid Statement
CAT470 Ledger Printing
CAT170 Balancing Report(Detailed-CA)
SER120 Folio Charges file View
SER133 Average balance details View Program
CA Parameters
CAM300 - Under this option, further option to view

(F6) - Signature Display for Joint Name details (press any key)
CAT310 - While viewing Ledger display

- (F5) Remarks display,
- (F1) Additional Information
- (F10) pending transactions
CAM500 - Parameter Modification - CA
Details of TOD ROI, Penal Interest, Minimum balance violations, Number of free
withdrawals, Teller limit, Service charges, Staff Cheque warning etc are available. This
menu will be available only in NODE 1 and for Manager level users
3. Temporary Overdrawing (T O D)

SBT330 TOD Accounts - SB
SBT340 View - Regularized TOD A/c - SB
SBT350 View - TOD History of A/c - SB
SBT360 View - TOD allowed today - SB
CAT330 TOD Accounts - CA
CAT340 View - Regularized TOD A/c - CA
CAT350 View - TOD History of A/c - CA
CAT360 View - TOD allowed today - CA
4. Overdraft accounts (OD/CC/OCC)

MNU065 OD Module
MNU656 OD A/c Queries Menu
MNU657 OD Reports Menu - 1
MNU658 OD Reports Menu - 2
ODM290 View - Joint Names
ODM300 View - Account Details
ODM310 View - List of A/Cs
ODM320 View - Index of A/Cs
75
ODM520 N P A Classification
ODT150 Sector-wise Summary Details.
ODT160 Sector-wise Account Details.
ODT180 Resume of Accounts
ODT190 Adhoc/Emergency Adv. Statement
ODT200 Product Details
ODT210 Quarterly Interest Debited
ODT220 Print Account Details
ODT230 Alphabetic List of A/Cs
ODT240 List of Inoperative accounts
ODT170 Balancing report
ODT250 Balance certificate
ODT260 Balance certificate notice
HODM300 View purged A/C details – OD
HODM300A View purged A/C details – OD
INT100 Interest Run ODCC/ADV-Monthly P&C
ODM380 Resume of Accounts between 2 dates
ODM370 Interest collected certificate
MIS400 Watch Report OD/GA/BILLS/TOD
MIS401 Special Watch Report OD/GA/BILLS/TOD
ODT270 Limits Expired
ODT280 Limits Expiring
ODT290 Overdrawn Accounts
ODT310 View - Ledger Display
ODT320 View - Accumulated Products
ODT330 View - Staff Accounts
ODT530 View/Print NPA Classification
ODM500 Folio charges Modifications
ODM400 Interest rate creation and VIEW
ODM300 Under this option further option to view
- (F6) signature display
- (J) Joint names
- (S) slab details
- (R) Resume details
- (T) Temp limits
ODT310 While viewing Ledger display
- (F5) Remarks display
- (F1) Additional information
- (F10) Pending Transactions
76
5. Cheque Book issue Details

GMC140 View Cheques in detail
GMC150 List Issue Date wise
GMC170 A/C Detail for Cheque Issued
GMC330 View Cheque Charges
GMC155 View Cheque issued to one a/c
GMC220 Stop Payment details
GMC230 Stop Payment register
GMC240 Stop Payment ledger
GMC110 View Issue Today
GMC290 Card details- Query
GMC300 Card Register
GMC260 Remark Maintenance
PGMC140 View purged Cheques
GMC250 Stop Pay details view
ODT210-SPL This will contain the details of the interest
and folio charges applied/ collected for
quarterly/Monthly. These files can be viewed
by the inspectors through option CME820 or
with the assistance of the T M section official
/ I S Audit officer
GMC255 View/Print Stop pay details for DDs
6. Term Deposit Accounts

MNU853 TD Master Maintenance Menu
MNU855 TD Query Menu
MNU857 TD Report Menu
MNU858 A/C Details & Index Menu
TDM305 Index of Accounts-FD/KD
TDM306 Index of Accounts-RD
TDM310 List of Accounts
TDM315 Due Date Register
TDM320 Deposits A/c head & Scheme-wise
TDM325 Deposits of a Customer
TDM330 Deposits Size-wise
TDM335 Deposits Customer constitution-wise
TDM340 Deposits by Minor
TDM345 Overdue Deposits Age-wise
TDM360 Query - Old A/c no. (ALPM)
TDM365 Balance Reports
TDM375 Deposits Size wise
77
TDM380 Rate of Interest wise
TDM385 BSR - 2 Report
TDM390 Interest & Maturity value
TDM520 Non-Detailed Bal-FD/KD/RD
TDM660 Lien Particulars Query
TDM670 Lien Register Print
TDM700 Ledger display - For an Account
TDM705 A/c Opened For a period
TDM710 A/c Closed For a period
TDM715 Outstanding Accounts
TDM850 Deposit Scheme view/print
TDM180 View modification
TDM650 View Lien Release
TDM705 A/C opened for a period
TDM711 A/C opened /closed for a period
TDM350 Deposit due notice
TDM370 Interest paid certificate
GMT111 Display Time of printing TD/DD
PTDM300 View purged Term Deposit
HTDM1300 Term deposit History account details
TDM720 Short/Long Term deposit details
FLM300 Flexi deposit – View
TDM870 View Rate of Interest
TDT390 Maturity Profile statement
MNU856 Balance Rep-Overdue TD A/Cs
MNU859 Ledger printing
PAN100 PAN Details for customers
TDM 300 Account Display - Under this option further
options
- (F4) Ledger display
- (F5) interest provision
- (F6) Minor details
- (F7) Lien details
- (F8) History
- (F9) TDS deduction.
Moreover status of accounts such as new

accounts, closed, renewed, closed before
maturity, transferred in accounts, overdue
etc, are available
78
New Nithya Nidhi Deposits

NDM300 View Master details
NDM820 Deposit scheme view
NDM850 Interest rate view
NDM880 Agent details view
NDT170 Balancing Report
NDT180 Agent wise/Scheme wise daily rep
NDT210 Agent wise/Scheme wise monthly rep
NDT220 List of lapsed/In-op A/C
Tax Deduction at Source (TDS)

TDM951 TDS Date wise Query
TDS612 TDS Parameter View
TDS604 TDS View
MNU606 TDS Reports Menu
TDS605 TDS Forecast
TDS606 TDS Deduction Report
TDS667 Form 26QA-Reports
7. General Advances

MNU900 General Advances
MNU910 GA Borrower Master
MNU920 GA A/C Maintenance Menu
MNU930 GA Scheme Parameters Menu
MNU940 GA Security Maintenance Menu
MNU957 GA Security Maintenance Menu II
MNU950 GA Interest Table Menu
MNU960 GA Codes Table Menu
MNU965 GA Query Menu
MNU970 GA Query Menu - 1
MNU975 GA Reports Menu - 2
MNU980 GA Reports Menu – 3
MNU990 GA Reports Menu - 4
MNU995 GA MIS Reports - 5
MNU924 GA Coobligant/Guarantor Menu
GAMDCB DCB For Trfd-in Accounts
GAT500 B/F Demand & Collection
MNU941 GA Security Master Menu
79
MNU947 GA Inspection Menu
GAM060 View Borrower Details
GAM070 View Borrower Index
GAM096 View NPA History
GAM240 View Additional Loan Details
GAM290 View Co-obligant/Guarantor
GAM300 View - Account Details
GAM305 List of Accounts
GAM340 View Disbursement Details
GAM390 View Schedule Details
GAM460 View Notes Pages
GAM520 View Scheme Parameters
GAM580 View Security Details
GAM586 View fire insurance policy
GAM640 View Policy Details
GAM646 View LHV Particulars
GAM690 View Deposit Details
GAM740 View Certificate Details
GAM746 View Machinery Details
GAM780 View Company Codes
GAM830 View Share Particulars
GAM846 View Land & Building Details
GAM870 View Inspection Details
GAM875 View Inspection History
GAM999 Non-Detailed Bal-Advances
MNU092 MIS Reports for G.Advances
GAT495 ROI-wise Balancing of Advances
GAT110 Report - AOD/AOS Date
GAT120 Report-Security Due Next Month
GAT130 A/cs Where Sec < Liability
GAT140 Security Due Date Register
GAT150 Follow-up Insurance
GAT160 Follow-up Deposits
GAT170 Follow-up Certificates
GAT175 Follow-up Fire Insurance
GAT180 Query- Slab Account Interest
GAT190 Report - Balance Standing
GAT195 Report - Balance Outstanding
GAT200 Query -Health Code Status wise
GAT240 Query - Transaction Log
GAT250 Sector wise Summary Details
GAT260 Sector wise Account Details
GAT310 GA Ledger Display
GAT320 Query - Interest Debited
80
GAT330 Query -Individual Security
GAT340 Query- NPA A/cs Status wise
GAT350 View-Demand & Overdue Position
GAT360 Enquiry On Given Interest Rate
GAT370 Query - DICGC Covered Accounts
GAT380 Query - Subsidy Accounts
GAT390 Customer Based Loan List
GAT410 View Loan Acc Details(History)
GAT430 Out standings of a Borrower
GAT440 Report - Overdue Statement
GAT450 A/Cs Opened Between Two Dates
GAT460 A/Cs Beyond a Given Amount
GAT470 Old & New Account Numbers
GAT480 Recoveries & Disbursements
GAT490 Customer Based Loan Report
GAT510 Adv Daily Control Register
GAT520 Sanctioned amt wise list of a/cs
GAT530 List of a/cs' opened/closed
GAT540 Scheme wise Balancing Report
MAHA Periodic Report - Advances
GAT290 Interest / Products query
GAT400 Data Consistency check
MIS101 View/Print Maturity profile of Term Loans
ALR100 Report Generation for ALM
GAT325 Product view for a period adv
GAT345 NPA constitution wise-ADV
GAELMENU Education/ VCU – MIS Menu
GAM140 View codes table.
Other Advances

SRM050 VIEW COMPANY DETAILS
SECURITY
SRM100 VIEW SCRIPT TYPE-WISE MARGIN
SRM150 VIEW SCRIP MASTER DETAILS
SRT170 VIEW MARKET VALUE
SRM260 VIEW PLEDGE DETAILS
SRM310 VIEW PLEDGE DETAILS-A/C WISE
CUS301 VIEW UNDESIRABLE PARTIES
MIS600 INDIRECT EXPOSURE
HLINDEX DISPLAY OF STAFF HL A/C's
KCC
81
GAM 302 View KCC Details
KCC REP Generation of KCCS Review in det
GAM303 View Per Ins (KCCS)
LPD

LPM300 VIEW LPD ACCOUNT
LPT310 LPD LEDGER DISPLAY
LPF300 VIEW SUIT FILED
LPO300 VIEW SUIT PROCEEDINGS
LPP300 VIEW APPEAL
LPR300 VIEW DECREE
LPX300 VIEW EP
LPC300 VIEW COMPROMIS
LPD300 VIEW DICGC CLAIMS
LPD310 VIEW DICGC REFUND
LPE300 VIEW SUIT EXPENSES
LPI300 VIEW INTEREST DETAILS
LPT010 LEGAL ACTION WAIVED A/C's
LPT020 NON SUIT FILED
LPT010 DECREED A/C'S WITHOUT EP
LPT050 EP FILED A/C's
LPT080 COMPOMISE A/C's
LPT090 ADVOCATES REPORT
LPT210 SUIT FILED IN GIVEN MONTH
LPT220 DECREED IN GIVEN MONTH
LPT230 EP FILED IN GIVEN MONTH
LPD540 BALANCING OF LPD A/C's
LPM240 LPD VIEW TABLE CODES
8. Interest – General Advances

GAM900 View Int. Scheme - Type - 1
GAM910 View Int. Scheme - Type - 2
GAM940 View Interest Rates - Slab
GAM980 View A/C Level Int. Type - 1
GAM990 View A/C Level Int. Type - 2
GAT420 View Acc Level Int Rates(Hist)
Important note:
82
1. YYMMDD8N.SPL : A file for Advances accounts where interest is
not applied.
2. ODT210.SPL: This file contains the details of the interest and

folio charges applied/collected for the quarter/monthly.
These files can to be viewed by the Inspectors through option CME820
3. YYMMDD80.SPL : Int Dump file stored in Temp Directory
9. Bills Module
Bills (Collection)

BML080 Bills Dishonour register
BMM040 Query carrier code
BMM090 Query Bills code
BMM140 Query Branch Master
BMM190 Query postal mode
BMM150 Print Branch Master
BMM100 Print Bills Code
BMR075 OSC waste for the day
BMM290 Query/Print Register
BMM240 Query/Print commission
BMM290 Query/Print Register
BMM340 Query/Print BILL Parameter
BMM390 Query/Print Area Code
BMM460 Bills details inquiry
BMM595 View parcel details
BMQ010 Query lodging / due date
BMQ020 Query Realisation date
BMQ030 Query Reg. Number wise
BMQ040 Query Lodged Bills
BMR010 Key register
83
BMR020 OSC/OBC register
BMR030 ISC/IBC register
BMR040 Parcel register
BMR050 Cheques refused register
BMR060 Balancing report
BMR070 Bills due for the day
BMR080 Balancing report (Individual)
BMR085 Bills Due Report (ISC/IBC)
Bills (Purchased)

MNU200 Bills purchased Module
MNU206 Queries
BPM310 Enquiry of party master details
BPM320 History details - party master
BPQ020 View interest details (Non-slab)
BPQ030 View interest details (slab)
BPQ040 Enquiry of lodged bills
BPR010 Rep On party/sub-head lt/liab
BPR020 Rep On Returned Bills
BPR030 Balancing Report
BPR035 Balancing Report (Party Wise)
BPR075 CDB Waste for the day
BPR040 Party - drawee wise liability
BPR045 Indl.Party wise liability
BPR050 Rep On Outstanding Bills
BPR060 Rep On Overdue Bills
BPR070 Rep On Returned Bills
BPR080 Rep On Rebate Bills
BPR130 Bills purchased register
BPR140 Pending/Dishonoured bills rev.
BPR150 Pending/Dishonoured bills rev.
MNU213 Drawee limit details
MNU214 Adhoc limit details
Bills (Parameters)
84
MNU109 Bill Register Maintenance
MNU113 Postal charges maintenance
MNU114 Commission parameter
Bills (Misc)
BMM620 Miscellaneous
Bills (Other income details)

MNU215 Interest-Non slab type
MNU216 Interest-Slab type
BMM240 Query commission Bills
10. Income and Expenditure

IEM100 View/Print - Subheads in IE
IEM150 View/Print - Ledger
IEM160 View/Print - Transaction List
PIEM150 View/Print Purged Ledger - IE
GCM640 View GC limit details
GCM650 General Charges Balancing Report
11. HO related details

MNU073 HO-REPORTS MENU
HOM100 View - Branch List
HOM110 View - HO tran in detail
HOM120 View - HO tran list
HOM300 View/Print - Branch List
HOM170 Print - HO Statements
PHOM110 View Purged HO Tran Details
PHOM120 View Purged HO Tran List
12. MT Issued details
85
HOM210 View - MT issued register
HOM220 Print - MT issued register
13. Demand Drafts

DDT290 View - Service branch master
DDT300 View - DD transactions
DDT320 DD issued register
DDT410 View - DD commission master
DDT610 DD's paid summary
DDT620 DD's paid register
DDT060 Customers Eligible - Free DD
DDT070 Free DD Parameter View
DDT310 DD issued summary
DDT330 DD Cancel & Rect Summary
DDT340 DD consolidation Summary
DDT450 Query DD Issued/Paid/Cancelled
DDT415 DD Comn. Coll List (Actuals)
DDT622 DD Purchased - customer wise
DDS020 DD benefit help file - view
DDM450 DD Intr/confirmation View
GMT111 Display of Printing DD/TD
PDDT320 View Purged DD issue register
GMC 255 View / Prt Stop pay Pet for DDS
PDDT620 View purged DD Records
MNU956 DD Reports
14. Minor subsidiary heads (SL, SD, BAA and SA)
86
MNU191 MS Reports
MSM010 View - List of Subheads - MS
MSM200 View - Balances of Subheads
MSM210 View - Balances of Accounts
MSM220 View - Transaction List
MSM230 View - Account Details
MSB100 View/Print BAR
MSB110 View/Print BAR List
MSM250 Date wise Ref.Field Details-MS
PMSM220 View Purged Tran List- MS
PMSM230 View Purged A/c Det - MS
MSM520 Consistency Check - MS
MSM260 Balancing Report - MS
MSM270 O/S Entries for a given day-MS
MSM999 Non-detailed balancing MS/IE
15. Clearing options

MNU152 Inward Clearing Module
ICM140 View Inw.Clg Details
ICM150 View Inw.Clg Details(History)
CMT610 View - History Clg Credits
CMT620 View - A/c wise Clg Credits
CMT630 View - Zone wise Clg Credits
BCM050 View of Template file
LCR030A LCCR Statement – Date-wise
16. Standing Instructions

SIM060 Query/Report of SI
SIM070 Query(Expired/deleted)
SIM080 Query(Executed/Unexecuted)
SIM090 SI Register
SIM100 List of Universities SIS
SIM106 Query/Report of SI
(A/C Head wise - F1, Due Date wise - F2)
17. Extension Counters
87
MNU155 Extension counter details
EXT030 Report-Extension Counter
EXT040 Merged Report-Trial Balance
18. ATM Transactions

ATM180 ATM Reconciliation Data
ATM190 ATM reconciliation print
ATM330 ATM Failed Trxn. Report
ATM340 ATM Chqbk/Statement Req. Print
MNU521 ATM Query-Menu
ATM500 ATM parameter file view
ATM510 ATM Master Query
ATM520 ATM Index card number wise
ATM530 ATM Index card status wise
ATM540 ATM Index A/C status wise
ATM550 A/C no. wise card details
ATM560 ATM Transaction details
ATM570 ATM Tran details-Head wise
ATM580 ATM Log-details-Date wise
GMC290 Card Details - Query
GMC300 Card Register
ATM581 AIBA/DIBA Transactions from ATM Log
ATM700 Query ATM Master History
ATM582 ATM Transactions done in other Bank’s ATMs
ATM565 Query ATM Sequence Number-wise
ATM575 Query ATM – Account number wise
ATM335 ATM Transactions posted manually
ATM295 ATM Transactions for the day
ATM110 List of accounts having Debit Cards
ATM111 Accounts not having Debit Cards
19.Parameters
88
MNU089 Parameter Maintenance Menu
HOM000 Opening New Branch
CAM500 Parameter Modification – CA
SBM500 Parameter Modification – SB
HOM010 Modify Branch Details
CMA110 Calendar - Holiday Updating
CMA120 Calendar - Display Calendar
CMA130 Calendar - List of Holidays
MNU601 TDS Parameter Menu
TDS600 TDS Parameter Addition
TDS610 TDS Parameter Modification
TDS611 TDS Parameter Verification
TDS612 TDS Parameter View
DDT000 DD Parameter Creation / Modifn
DDT010 DD Parameter Verification
DDT280 Service Branch Master creation
DDT400 DD Comm Master – Updation
DDT050 Free DD Parameter Creation
DDT070 Free DD Parameter View
MNU930 GA Scheme Parameter Menu
MUU110 Bills Parameter Creation
BMM310 Add New Bill Parameter
BMM320 Modify Bill Parameter
BMM330 Delete Bill Parameter
BMM340 Query Print Parameter
BMM370 Modify Area Parameter
MNU114 Commission Parameter
BMM210 Add Commission Parameter
BMM220 Modify Commission Parameter
BMM230 Delete Commission Parameter
BMM240 Query / Print Commission
GAM470 Add Scheme Parameters
GAM480 Verify Added Scheme
GAM490 Delete Added Scheme
GAM500 Modify Scheme Details
89
GAM510 Verify Modified Scheme
GAM520 View Scheme Parameters
LOM010 Dimension Parameter Addition
ATM500 ATM Parameter file view
FLM900 Flexi Parameter View
CAM501 CA Parameter History
SBM501 SB Parameter History
20. General Matters

GMT100 View - General Transactions
GMT110 View Pending Verification
GMT111 Display Time of Printing DD/TD
MNU090 Utilities Menu
BSTMNU Generation of Support Sheets
CMT530 RBI Statement
CMT531 Report on Computerised Business
CMU171 Display of Bal above given amt
CMU172 Display of Bal below given amt
MIS101 Term Loan Profile
MIS201 Maturity Profile of Loans & Adv
MNU009 Main Reports
CMT440 Start day Reports
CMT450 Day End Reports
CMT500 View - Trial Balance
CMT510 View - General Ledger
CMT320 View - Spot Day Book
CMT230 Transaction Detail
CMT300 View - Transaction Statistics
CMT310 View - Trans Summary - Spot
MNU014 Tran Queries Menu-HISTORY
90
CMT700 Previous Day Trans - Detail
CMT710 Previous Day Trans - Batches
CMT720 Previous Day Trans - General
CMT730 Rept of Cash Trans. above 10 lacs
CMT360 Pending Transactions
CMT250 Transfer – All
CMT260 Transfer – untallied
CMT270 Transfer – Unpassed
CMT280 Transfer – Deleted
CMT290 Transfer - Status wise
CMT295 Trans-A/c HD Wise
CMT610 View History Clg Credits
CMT620 View A/c wise Clg Credits
CMT630 View -Zone wise Clg Credits
CMT200 Receipt waste (Cash)
CMT210 Payment Waste (Cash)
CMT215 Payment Waste (Teller)
CMT220 Pending Payments (Cash)
CMC100 Cash Chest Transaction
CMC110 Cashier Position
CMC120 Cash Position
CMT400 Print - Cash Waste
CMT430 Print - Cash Pay waste
CMA140 Note Pad
CMA200 System Monitor
CMA210 Declare Death of Node
CMA240 Designate Query Node
CMA250 List of Query Node
CMA260 Regularise Query Node
91
CMA270 Disable Node
CMA280 Enable Node
CMA230 User Address System
CMA500 End Day Program
CMA070 Start Day Program
CMU173 Query Account for Given Amount
CMU174 Display Staff Ledger Account
CMT750 Exceptional Report for Any Day
CMT760 Trans done by a user – any day
CMT770 Trans above given amount
CMT775 Previous Day Trans SB/CA/DDCC
CMT511 VIEW GENERAL LEDGER
CAM230 VIEW CLOSED ACCOUNT
CMT776 A/C's WHERE CASH TRAN > 10 LAC
CMT777 AVERAGE BAL SB & TD > 25000/50000
21. User profile access controls

CMU020 List of Users
CMU030 Modify Password
CMU060 Access History
CMU025 List of Deactivated users
CMU055 List of deleted users
22. Purging Options

PCMT500 View Purged Trial Balance
PCMT510 View Purged General Ledg
PGMC140 View Purged Cheques
PCMA120 View Purged Calendar
PTDM300 View Purged Term Deposit
HTDM130 View Purged History TD
PSBT330 View Purged SBTOD
PCAT330 View Purged CATOD
PSBT320 View Purged SB Interest
92
PHOM110 View Purged HO Tran Details
PHOM120 View Purged HO Tran List
PCMT700 View Purged Tran-Details
PCMT710 View Purged Tran-Batches
PCMT720 View Purged Tran-General
HCMT700 View Purged Tran-History-Det.
HCMT710 View Purged Tran-History-Bat.
HCMT720 View Purged Tran-History-Gen
PICM150 View Inw.Clg Details(History)
PSIM060 Query/Report Purged SI
PSIM070 View Purged Expired/Deleted SI
HSBM300 View Purged a/c Details - SB
HCAM300 View Purged a/c Details - CA
HODM300 View Purged a/c Details - OD
HSBM300A View Purged a/c Det. CC - SB
HCAM300A View Purged a/c Det. CC - CA
HODM300A View Purged a/c Det. CC - OD
PDDT320 View Purged DD Issued Register
PIEM160 View/Print Purged Tran List-IE
PMSM220 View Purged Tran List - MS
PMSM230 View Purged a/c Det.- MS
PUS020 Maintain Purged Files
PUS080 Maintain Purged Start File
PURGEMNU Query of Old Purged Record
PDDT620 View Purged DD Records
PLCQ010 View Purged Records (Date/No)
PESM 300 View E-SCU Purged Record
23. Signatures Capture

SVM008 Report of Deleted Signatures
SVM009 Report of Uploaded Signatures
SVM010 Report of Verified Signatures
SVM011 Report of Approved Signatures
SVM012 Report of Unapproved Signature
SVM013 List of Operative Accounts
SVM014 Report of un scanned signatures
93
24.Nomination Details
NMM210 View/Print Nomination Query
NMM220 View/Print Nomination Register
25. Log Files

LOG300 View Adhoc Log File
AXS300 View / Print AXS File History
26.Lockers

MNU118 SDL Query / Reports Menu - I
MNU119 SDL Query / Reports Menu - II
LOQ010 List Of Rents
LOQ020 List Of Vacant Lockers
LOQ030 Waiting List Details
LOQ040 List Of Locker Holders
LOQ050 Locker Particulars of Staff
LOQ060 List Of Minors Attain. Majority
LOQ100 Follow Up Register
LOQ110 Half Yearly Report
LOQ120 Break Open Particulars to C.O.
LOQ140 Register of Defaulting Hirers
LOQ160 Caution Register
LOQ170 Rent due statement
LOQ180 Index of Lockers
LOM110 Locker Detail Enquiry
LOQ130 Hired Installed Capacity Ref.
94
27.Customer related options

MNU452 Customer Query Menu
CUS210 Customer Details
CUS220 Customer Query by Code/Name
CUS230 Customer Query by Constitution
CUS350 Customer Query - Minor
CUS360 Minor Register - Query
CUS500 Customer-wise TDS - Query
CUS430 View Addition/Deletion
CUS440 View Joint Member
CUS450 Customer Maintenance Menu
CUS160 View Customer Modification
CUS240 NRI Customer Query
Internet

IBM500 View Internet Customers
IBM510 View Internet Transactions
Customer Terminal

CTX000 Customer Terminal Interface
CTX100 Customer Terminal
Pay Order

MNU151 Pay Order Module
POT170 Pay Order Balancing Report
POM010 Query - Pay Order Category wise
POM300 Query - Pay Order Detailed
Any Where Branch Banking

MNU157 Anywhere Branch Banking
ABB510 ABB Transaction Details
ABB520 ABB Log Details
ABB500 ABB Customer Details
95
28.Non Resident Term Deposits

MNU300 NRTD Scheme Maintenance
NRM100 Currency Maintenance
NRM150 Day Book Type Maintenance
NRM200 Deposit Type Maintenance
NRM250 Remittance Type Maintenance
NRM300 Rate Type Maintenance
NRM450 Notional Rate Maintenance
NRM500 Ratex Maintenance
NRM550 Interest Rate Maintenance
NRM800 Scheme Maintenance
MNU500 NRTD Reports - I
NRMOA4 Form A4
NRM305 Customer Name / Constitution wise
NRM330 Size Wise Register
NRM390 Interest & MV Query
NRM365 Balancing
NRM315 A/c Maturing Today
NRM355 Minor Attain Majority Report
NRM360 Query Old and New Accounts
NRM550 NRTD Reports - IT
NRM375 Print FCNR (B) Memo
NRM460 Print Receipt Covering Letter
NRM700 Ledger Printing
NRT390 Mat. Profile FCNRB/NRE/NRNR DEP
NRT391 Constr. Mat. Prof FCNRB/NRE/NRNR
MNU575 NRTD Reports III
NRM385 MIS - BSR II
NRM380 MIS - Rate wise Deposits
NRM465 Print Stat 8
NRM470 Print Stat 9
NRM475 Print Stat 4/6
NRM480 Print Stat 19
NRM485 RBI (ALM) Profile
NRM320 Consistency Check for NRTD
NRM520 Customer-wise FC Deposits
96
29. Debit Card

MNU159 Debit Card Module
DBC100 Debit Card Fee Param Updation
DBC330 Debit Card Failed Tran. Report
MNU 525 DBC Query Menu
DBC190 DBC Card Reconciliation Print
DBC500 Debit card - Parameter File View
DBC510 Debit Card - Master Query
DBC520 Debit Card - Index number wise
DBC530 Debit Card - Index Stams wise
DBC540 Debit Card - Index A/c No Wise
DBC560 Debit Card - Transaction Details
DBC570 Debit Card - Tran det - A/c Head wise
DBC700 Query DBC Master Enquiry
DBC565 Query DBC Sequence Number wise
DBC575 Query DBC Account Head-wise

UNT 100 Claim / Refund of Unclaimed Deposits
UNT 110 Report on unclaimed Deposits
31. Security Movement

SMM310 Security Items Status Report
SMM340 Security Inventory Movement Trace Report
SMM420 Report on DSI
97
CHAPTER – 4
ILLUSTRATIONS
I. GENERAL MATTERS
01. View a particular transaction for a given date (DDMMYY) :
Option : CMT710
Date : ______ <enter> Batch No. _____ <enter>
Choose the Tran. from list displayed.
(If Batch No. has been noted on the slips relating to the Tran, give the Batch No. The
transaction will be displayed.)
(Display will indicate initials of the operator & supervisor)
02. View of General Transactions for a given date (DDMMYY) :
Option : CMT720
DATE : ______<enter> <enter>
(It will give entire general transactions list like Accounts
opened/closed/modified)]
03. View items pending under festival advance for more than 30 days on a
given date.
Option : MSM270
A/c head : SA
Sub head : FA
No of Days : 30
Date : ______ (Details required as on date)
04. View HO responding transactions for a given date :
Option : HOM120
O/R : R Branch/Date/IBAR CD (Specify by typing B/D/I)

Date : From _____ (given date) <enter>
To _____ (given date) <enter>
Type : HOBA
98
05. View ledger balance of an a/c (SB) for a given period :
Option : SBT310
A/c No : ______ <enter> (F1) Additional Information

Date : ______ <enter> (F10) Pending Transaction
(F5) Remarks Display
(Give a date from which required & press enter)
06. View Master details of SB a/c. 1234:
Option : SBM300
A/c No : 1234 <enter> (F6) Signature Display

(F5) Ledger Display
(F7) Nominee Display
07. View list of SB accounts opened / Closed during a period:
If you want to see Report for Oct 2000,
Option : SBM380
Report for the Month : 10

Year : 2000
Note down first a/c no opened & <esc>
Repeat the operation for March 2002, note down the last a/c no. opened <esc>
07a. View List of SB Accounts
Option : SBM310
Next > give the first a/c no. noted <enter>
08. View various a/c’s maintained by a party (Customer code 1234) :
Option : CUS210
Cuscode : 1234 <enter> F4 Deposit Particulars will be displayed

F5 Other A/c Details
Customer Details will be displayed F6 GA A/c Details
F7 Deposit (General)
F3 Joint Member Details
99
09. View closing cash balances for a period :
Option : CMT510
From : ____ (date)

To : ____ (date)
A/c head : CAS <enter>
This option helps in viewing General Ledger Display for any day book Head
10. View list of customers and their accounts with status as minor :
Option : CUS360
F2 A/c No. Wise

F3 Dt. of Maj
F8 To Print
Specify A/c head (SB CA etc. Use F1 if help is required)
11. View local DD commission :
Option : DDT410
DD type : DDL ( or LDD)

Display for all dates : Y / N
(if required for all dates say 'Y' otherwise 'N' and specify date)
12. View number of accounts - SB :
Option : CMT520
A/c head : SB (pick your choice)

Press any key & 'S' <enter>
Similarly No. of Accounts for CA/ODCC/Adv/AAdv Can be viewed through this

option Balance as per SB/CA/ODCC/ADV/AADV Master and as per trial balance
can be viewed through this option.
13. Get customer code for canara bank :

Option : CUS220
Press F2
F3 to find customer name using customer code
Name wise list will appear. Cursor will appear at AAA
Type CAN <enter>
List of names starting with 'CAN' will be displayed
Note down the customer code for the required customer
100
14. View BARs outstanding for more than 90/60/30 days :
Option : MSM270
Type - F1 Help to select the Type

A/C head : BAA 00 for all type
Subhead : BAR
No of days : 90 / 60 / 30
Date : Specify
15. View list of current accounts with balance below a given amount (say Rs. 500/-):
Option : CMU172
A/c head : CA <enter>

Amount : 500
S/P : S
16. View Savings Bank account parameter details.

Option : SBM 500
Proforma of SB parameters
RURAL/SU URBAN/METRO
TOD Interest rate 17.50 % (214/08) 17.50 %

TOD PENAL INT RATE 02.00 % 02.00 %
Minimum balance Rs 100 500
Minimum balance for Chq.facility Rs 500. 1000
Minimum balance default fine Rs 20 20
Free withdrawals allowed 50 50
Fine for additional withdrawal Rs 1 1
Teller limit Rs 15,000 15000
Staff Cheque warning Rs 10,000 10000
SB-Inoperative Accounts
Minimum balance to avoid SC Rs 100 500
Service charge Rs 30 30
Minimum balance to charge SC Rs 0 0
101
Minimum Interest : Rs. 01/- NRO Tax Rate : 30.90 %
Category Ist Mth 2nd Mth 3rd Mth 4th Mth 5th Mth 6th Mth
General 3.5 3.5 3.5 3.5 3.5 3.5
Staff 4.5 4.5 4.5 4.5 4.5 4.5
Other Pref 4.5 4.5 4.5 4.5 4.5 4.5
NRE 3.5 3.5 3.5 3.5 3.5 3.5
NRO 3.5 3.5 3.5 3.5 3.5 3.5
NRE Staff 4.5 4.5 4.5 4.5 4.5 4.5
NRO Staff 4.5 4.5 4.5 4.5 4.5 4.5
17. View Current Account Parameters Details

CAM : 500
Proforma of Parameter Details :
RURAL/SU URBAN/METRO
TOD Interest rate 17.50 % (214/08) 17.50 %

TOD PENAL INT RATE 02.00 % 02.00 %
Minimum balance Rs 1000 5000
Minimum balance default fine Rs 50 50
Free withdrawals allowed 999 999
Fine for additional withdrawal Rs 0 0
Teller limit Rs 0 0
Staff Cheque warning Rs 10,000 10,000
CA-Inoperative Accounts
Minimum balance to avoid SC Rs 1000 5000
Service charge Rs 50 50
Minimum balance to charge SC Rs 0 0
102
II. T O Ds:
01. View TODs granted during a given period : :
Option : SBT340 or CAT340
Allowed from _____ to _____ (specify dates)

A/c No., Name & Date availed and date re-paid will be displayed.
02. View TODs granted to SB 1060 :
Option : SBT350 SB TOD History of a particular SB

A/c No : 1060 Account can viewed in this option.
CA TOD History can be viewed through CAT 350 Option.
03. View list of SB A/C’s with debit balance :
Option : SBT330
Press any key after the file is spooled & Press 'S' <enter>
List as on date will be displayed.
List of CA TOD can be viewed through CAT 330
04. View date of first TOD in CA 1234 :
Option : CAT350 CA TOD History can be viewed

A/c No : 1234 through this option
III. ADVANCES
01. View list of loan accounts granted during review period
Option : GAT450
All / Scheme / Sector : 1

From Date : _____
To Date : _____ } Review period
02. View list of accounts which have completed two years from date of
loan papers.
Option : GAT110 Report of AOD/AOS

All / Scheme / Sector : 1 for a given period and cutoff date
Period : 24 months
Cutoff date : _____ (specify)
103
03. View list of sub-standard assets as on date :
Option : GAT340
NPA status : 1
Screen / Print : S or P
04. View Master details of loan A/C no. 12345 :
Option : GAM300
Loan A/c no : 12345

(Data is available on three screens at the end of which following. further
options are available.)
F1 = Co-ob ; F2 = Other liabilities
F3 = Repayment schedule, ROI, Security details) Refinance / Subsidy
F4 = Ledger ; F5 = Overdue
F6 = Interest Debited F7 - Note Page
05. View overdue position of ‘DPNNP’ scheme A/Cs as on a date
Option : GAT440
All / Schm : 2
Schm code : 0001 (use F1 for help)
Sector code : (skip)
From No : ____ (specify)
To No : ____ (specify)
Over due statement can be generated for all, scheme, sector wise using this
option
06. View overdue position of loan A/C. no 12345 :
Option : GAT350
Loan a/c no : 12345

As on date : _____ (specify)
07. View list of ODCC A/Cs with expired limits :
Option : ODT270
Screen / Print : S / P <enter>
08. View list of accounts with slab rate of interest :
Option : GAT180
Screen / Print : S or P <enter>
104
09. View interest slab for loan A/C no 1234 :
Option : GAM940
Loan a/c : 1234
Use F4 to view subsequent versions / changes, if any.
10. View turnover for OD A/C no 1234 :
Option : ODT180 Resume for the previous half year

Start a/c No : 1234 is displayed
End a/c No : 1234
11. View list of GA accounts with credit balance :
Option : GAM999 (as at the time of viewing)
Credit balances are displayed with a/c no & amount alongside non-detailed
balancing.
12. View interest debited to loan A/C no. 12345 (By the system ):
Option : GAT320
Loan a/c No : 12345 <enter> <enter>
13. View total disbursements made under priority sector during a given
period:
Option : GAT480 All scheme sector : 2
Scheme : 0001
Sector : (skip)
From a/c : ---
To a/c : ---
From Date : ___ (Specify)
To Date : ___ (Specify)
Screen / Print : ___
14. View whether repayment schedule for A/C. no. 12345 is as per sanction
and rephasement is noted correctly :
Option : GAM390
A/c no : 12345 <enter>

F4 Next Version
(view)
105
IV. BILLS
01. View Dishonoured bills :
Option : BPR070 Report on Returned bills Party wise

S/P : S or PDrawee wise will be displayed
02. View details of a selected bill :
Option : BMM460 F4 Document details

Reg type : _____ (OSC, ISC, ICC etc) F5 Instruments details
Reg sr no : _____ F6 Parcel details (Any key for next page)
03. View interest detail for bill No. CDB 3045 :
Find out party’s name and then,
Option : BPQ020
(Party wise interest rates are displayed)
V. DEPOSITS
01. View list KDR accounts with lien noted during review period :
Option : TDM670
Option : 3
Enter date range: _______ to ________
Outstanding / All : A
Screen / Print : S
02. View list of KDR accounts closed during review period :

Option : TDM 710
A/c head : KD
From Date : -
To Date :
Screen / Print
03. View latest ROI on deposits :
Option : TDM870
Effective date : -
Start Slab : -
106
04. View scheme parameters for general scheme
Option : TDM850
A/c head : ___ (FD/KD/RD) F9 - Generate Report

Scheme code : 1 (use F1 for help)
Effective Date : ____ (specify)
05. View list of accounts opened during review period
Option : TDM705
A/c head : -----

From date : _____
To date : _____
S/P : S
06. View term deposit of a customer (Cust Code : 6789) :
Option : TDM325
Cust code : 6789 (use page up / page down to view)
07. View deposits size - wise :
Option : TDM375
Upto date : _______

Screen / Print : _______
107
CHAPTER - 5
IMPORTANT DAY END AND START DAY REPORTS

END DAY REPORTS
CMA600 PRINT - Cash waste
CMA610 PRINT - Transfer Waste
CMA620 PRINT - Deleted Transactions
CMA650 PRINT - Trial Balance
CMAATM PRINT - ATM Trans Report
FLASHR PRINT - Flash Report Profile
SBE100 Charge SC - min bal violation
SBE105 Charge SC For SB Stop Payment
SBE110 Exceptional Transactions
CAE110 Exceptional Transactions
SBE111 TOD Regularised TODAY
SBE112 Discretionary advances
SBE115 TOD interest Dr Quarterly
SBE210 Balancing Dump
SBE220 PRINT - A/C Opened Closed
SBE230 PRINT - A/D for NRE Remit
SBE240 PRINT - Stat-1 If Month End
GME010 PRINT - Cheques Today
GME020 PRINT - Stop Pay This Month
DDT311 PRINT-DD Issued Summary
DDT321 PRINT-DD Issued Register (132 Col)
DDT331 PRINT-DD Canc. & Rect. Summary
DDT400 PRINT-DD Consolidation Summary
DDT611 PRINT - DDs Paid Summary
DDT621 PRINT - DDs Paid Register
ODE110 PRINT - Discretionary Advance Report
ODE150 PRINT - Control Report
ODT160 PRINT - Sector-wise Account Details.
ODT170 PRINT - Balancing Report.
ODT180 PRINT - Resume of Account.
ODT190 PRINT - Adhoc Advance Statement.
ODT210 PRINT - Quarterly Interest debited.
ODE210 Balancing Dump
108
ODE220 PRINT - Account Opened/Closed
ODE230 PRINT - Balance/Offlib Report
ODE240 PRINT - Exceptional Printing.
ODE250 PRINT - Sector wise Summary.
ODE270 PRINT - Log file Report.
GME030 PRINT - Print Cheques issued today.
TDE350 PRINT - Print Deposit Due Notice
TDE355 PRINT - Print Minor Due Notice
TDE101 PRINT - Accounts Trf To Overdue
TDE102 PRINT - TD Maturity letter to parties
SER030 PRINT - S/C for CA Folio charges
SER040 PRINT - S/C for SB add. withdrawals
GAE220 PRINT - A/c Opened/ Closed Particulars
GAE250 PRINT - Follow Up Policy
GAE260 PRINT - Follow Up Certificate
GAE270 PRINT - Follow Up LIC
GAE280 PRINT - Enhancement in Interest
GAE290 PRINT - Log Report
GAE300 PRINT - Exceptional Printing
GAE230 PRINT - Sector Wise Summary Details
GAE210 PRINT - Sector Wise Balancing Report
GAE310 PRINT - Follow Up Fire Insurance
BME030 PRINT - Bills Due Notice
LOE060 PRINT - Minors attaining majority
LOE080 PRINT - Registered Notice
GME040 Report on cash transaction > 10 lacs :
CMT790 PRINT - SYS-Transaction - Vouchers
CMT532 PRINT - RBI Detailed Report.
NRE650 NRTD Trial Balance
NRE100 NRTD Over Due Transfer
NRE350 NR Deposit Due Notice
NRE370 FCNR Memo for the day
NRE355 Minor to Major Notice
CAE210 Balancing Dump - CA
SBE210 Balancing Dump - SB
ODE210 Balancing Dump - OD
FLE100 Creation of Flexi-FD A/Cs
FLE300 Closure of Flexi - FD A/cs
109
START DAY REPORTS
SER060 PRINT - Ser. ch. for min Bal IN CA SB

SBE010 PRINT - Interest Paid on SB
TDE110 PRINT - Interest Paid on Deposits
TDE130 PRINT - Int Prov (HALF YEARLY)
TDS660 PRINT - Add. Copies of Form 16a
NROTAX PRINT - Tax on NRO SB A/Cs
LOE010 PRINT - Locker Rent due&Recovd
LOE000 PRINT - Locker Rent due&not recovd
BME020 PRINT - Bills due for the day
CME790 PRINT - SYS Transactions - Vouchers.
CME010 PRINT - List of Password expiring
CME020 Delete Password from history
AXS100 Update YYYYAXS- File.
NRE112 NRTD Int Due Today
NRE 315 NRTD Deposit due today
NRE130 NRTD B/S Provision
FLE200 Closure of Flexi-FD A/cs.
110
CHAPTER - 6
INCOME RELATED AND OTHER LIMITATIONS IN THE IBBS PACKAGE
Inspecting Officers are advised to take note of the limitations in the IBBS Software
(ODCC Module) and verify whether branches are calculating the interest properly (i.e.,
wherever the system is not calculating/applying the interest due to the said limitation
the same is being calculated/applied manually) Any leakage of income observed has to
be reported as per the existing guidelines.
01. SB / CA Modules
In respect of the following, debit of Service charges are to be done manually by preparing
slips and posting in the computer :
a. Return of cheques
b. Adjustments in products on account of return of clearing cheques.
c. Posting of cheques in wrong account and subsequent reversal of entries.
d. 50 in half year.
e. Closure of account before one year.
f. Stop payment noting charges/cancellation/revocation charges
g. Issue of duplicate / additional pass sheets / balance certificate
h. Balance enquiry above 6 months
i. DD revalidation/duplicate/cancellation
02. TODs : Penal interest is charged on all TODs not cleared in 15 days and where TOD
amount is above minimum mentioned in branch parameters irrespective of whether
the party's total borrowings with us are more than Rs 5000/- or not, because the
total advances of the party cannot be verified. If any refund of penal interest is to
be done, it has to be done separately in such cases.
03. OD/CC accounts
a) Product Adjustment register (NB 173) to be maintained by the branch

and differential products have to be adjusted manually.
b) In case of staff accounts and accounts having Multiple Deposits the
prime security, Value dating of interest is not available. In those cases,
interest should be charged individually. In such cases, the slab details should
also be updated separately for all such accounts.
c) In case of staff accounts, if the A/C is overdrawn beyond limit due to debit
of interest / any other mandatory debit, reduction in security value, etc.,
higher slab rate of interest or clean rate of interest as applicable is to be
charged as per Cir 333/90 dated 10.11.90 and subsequent changes, viz.Cir
282/90, Cir 71/94 and Corrigendum to Cir 183/94. It may be noted that the
111
applicable, clean rate of interest(As applicable to non-priority personal
loans) should be calculated as per the guidelines received / to be received
from HO / CO from time to time.
d) Retrospective date for interest rate changes cannot be given prior to the
commencement of present quarter/month as the case may be for the
accounts where the interest applicable is quarterly/monthly respectively.
e) In case of slab accounts changes in the rate of interest made takes the
prospective effect only.
f) For OD accounts with slab rates (Staff OD accounts and OD accounts
against multiple deposits) interest rate change can be given only from
current date.
g) For other accounts (sector accounts) interest rates cannot be given account-
wise. Hence any difference in rate of interest for particular account cannot
be given and rate of interest applicable to the sector will be taken for all
accounts in the same sector.
h) System applies interest only on the last working day of the quarter. Branch
cannot opt for interest application on any day prior to last working day.
i) Separate product adjustment register is to be maintained to the handle the
following:
 Posting of transactions in wrong accounts and subsequent
rectification after one or more days.
 Products on account of return of outward clearing cheques.
 For accounts where emergency advance is allowed and the total
limit of the borrower exceeds
j) The following charges are to be collected by the branches manually along

with service tax
 Godown Inspection charges.
 Processing charges.
 Commitment / Up front fee.
 Postal charges if any.
 Charges for duplicate / additional pass sheet.
 Locker rent for collection.
 Charges for safe custody.
 Charges for stop payment noting
 Issuance of Duplicate Deposit Receipt.
 Signature Verification
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 No dues certificate
 Locker operations beyond 24 occasions per annum
k) The DRAWING power has to be updated through appropriate Menu
viz.,ODM410 and ODM510(Late submission updation) and not through
Master Modification Menu. The updation has to be done within the calendar
quarter only.
l) If on account of allowing emergency advance, the total of the borrower
exceeds a cut-off level and falls under a higher rate of interest, such cases are
not taken care of by the system.
m) Provisions with respect to Sick units are not taken care of by the system.
n) In case of recalled advance, if the date of recall is not updated in the system,
on the same day, the system calculates the penal products only from the date
of updation.
o) Overdraft partly secured against Deposit should be noted as "Whether
Secured" as "N".
p) Drawing power of overdraft account fully secured against deposit appears
as 75% of deposit, by default. However it can be changed to the required
limit, by keying the proper limit.
q) All OD/OCC/KCC accounts which are eligible for exemption of penal int.
(e.g Priority, Sector accounts with less than Rs. 25000/- are to be keyed in
carefully and properly at the time of Master creation, otherwise the system by
default charges 2% penal Interest.
r) During Day end operation, period of overdrawing under Temporary
Limits is to be fixed properly in respect of Overdrawing allowed that day as
this too effects charging of penal interest.
s) Service charges to be collected. Deposits encumbered to loans and advances
(VSL/ OD etc ) : The system will transfer the deposits to overdue deposits
only.
04. Other limitations:
a. In respect of accounts where the overdrawing is due to debiting of service
charges, the same is not actually debited, but a printout is provided. It
should be ensured that it is collected procedurally.
b. Master modification register is to be maintained for noting changes and to
advise operator to incorporate changes.
c. In the Advances Module, the system is not supporting the opening of transferred
in accounts; such accounts are to be opened as with updated interest and other
details. DCB particulars should be fed correctly at the time of opening the
account
In all the above cases, differential interest should be taken care of manually.
113
ALPM NNND
114
ALPM (NNND)
The following are some of the important features that are available for the inspecting
officers in the ALPM application.
USER GUIDELINES ON NNND MODULE
1. NNND Deposits Scheme creation has to be done through NDM800. It will not permit
creation of Scheme Code which is more than 3.A maximum of 3 Schemes has to be
created for NNND 12 Months, NNND 39 Months and NNND 63 Months.
2. All parameters for change in ROI or change in maximum collection per day per account
has to be created through schemes under 1, 2 or 3 Scheme Code.
3. Please note that there was change in ROI on NNND Deposits w.e.f. 1/8/2003.
4. There was also change in maximum collection per day per account w.e.f 1/4/2004 ie
from Rs 100 to Rs 500/- per day.
5. Separate schemes have to be created with change in effective date with different
parameters under Schemes 1, 2 or 3.
6. There is no check as regards the maximum amount of collection per day per account
while crediting of daily collections to NNND Account through CMT010. However,
paying interest on NNND Deposits and commission rate payable to NNND Agent will
be calculated basing on the maximum collection per day per account given in the
parameters.
7. Ledger Posting of monthly collection for any account has to be entered account wise
only once for a particular month through NDT010. While posting through
NDT010 can be done throughout the month, verification of monthly posting through
NDT020 has to be opted only once for a particular month.
8. NDT010 will write the entries to two temporary intermediate files (for the two options
available under NDT010) till they are verified through NDT020. Verification through
NDT020 for a particular month has to be opted only once after the monthly postings
for all the accounts have been posted through NDT010, before going for DAY END on
the last working of the day.
9. A check is kept during day end operations on the last working day of the month to
verify whether NDT020 has been opted for the month or not through program
NDE020.GNT
10. Once verification of monthly postings is done through NDT020, two intermediate files
created by NDT010 will be deleted by the system.
11. Module does not take care of TDS on commission paid to the NNND Agent which has
to be taken care of procedurally.
12. NNND Deposits have to be tallied with day book figure before undertaking Master
Creation work.
13. Collections till the last completed month have to be posted through MASCR100 only.
After Master Creation of all NNND accounts has been completed, posting of
collections for the current month for all accounts has to be done through MASCR010
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only on the last day of the month and the figure has to be tallied with day book. Branch
has to go live in NNND Module only from the first of the month.
14. NNND module released will not support transfer of NNND Account from one branch
to another. Transfer-in Option is provided in the program for opening of accounts for
the purpose of Master Creation at the time of installation of NNND module. In such
circumstances, the account may be closed before maturity.
15. As NNND Module is a flavour of Term Deposits Module. Provision to view or generate
interest dump is not available. However, working details will be displayed on before
maturity/on maturity closure.
16.When a joint account is opened by two or more individuals, for the purpose of ALM
Mapping, the constitution code is shown as Single only. The same procedure is being
followed in our Term Deposits module also.
AGENT COLLECTION REGISTER: CONSIDERATION OF MONTH

****************************************************
System recognizes the maintenance of agent collection register as per the example given
below:
For making monthly postings, Month should be based on the Collection Date but not the
ate of credit to the bank.
Eg: Total amount collected by agent from 1st of January (but credited to branch on 2nd
of January) to 31st of January (but credited to branch on 1st of February) should be
taken as Monthly Collection for January. Collection made on 31st December and
credited to bank on 1st January is not considered for monthly posting of January.
Non maintenance of the agent register as above , system during monthly posting for
that particular month, total monthly collection (as per Agent Register) will not tally with
ledger posting (Account-wise posting for the month).
MONTHLY POSTING
*****************
Monthly posting of March can be posted in March itself, provided posting is completed in
the March month only. Only then commission amount to be paid to Agent for March
Month will be generated correctly.
Also system supports the collections of March month after completion of March i.e in the
month of April. Branches should avoid splitting of Monthly posting Pertaining to March
in two stages i.e March & April either Agent wise or Scheme wise.
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CLOSURE OF ACCOUNT
********************
Before closure of any account either on maturity or before maturity, collection to that
account till date has to be posted mandatorily, if exists. Once the account is closed
collection cannot be posted to those accounts and subsequently monthly posting will
not tally.
TRANSFER OF ACCOUNTS TO OVERDUE DURING DAYEND

************************************************
During Start day, System prints list of accounts which are due on that day. Interest amount
is also printed along with the products.
Collection to those accounts till date should be posted before opting for Day end. Once
the account is transferred to overdue, no monthly collection will be accepted for those
accounts.
During Day end while transferring account to overdue, penal amount is deducted from the
total amount and credited to Overdue NNND Subsidiary. i.e. amount credited to overdue
= total amount paid by customer + interest - penal amount (if exists). But Startday printout
of overdue accounts do not contain penal amount to be deducted.
If monthly posting of previous/Current month is done for an account which is due on

that day, the interest amount shown in start day printout will not be including the
amount posted on that day. But the interest printout during Day end will be inclusive of
that product. Hence interest report generated during start day may differ from that
generated during day end. But the report generated during day end is the correct one and
the same amount will be credited to the account.
Hence, Slips for interest and penal amount should be made according to the printouts
generated during day end only and not based on start day printouts.
INTEREST PROVISION
******************
During Year End/ Half Year End, interest provision amount should be calculated. After
20th of September / March everyday system asks whether it is Yearend / Half yearend. If
"Y" is pressed interest provision will be generated. If interest provision is not opted, then
on the Start day of Last Working day system automatically generates Interest Provision
Report. Provision Slips have to be prepared based on this report.
The amount of provision generated by the system is kept in Sundry Deposit subsidiary
(SDNNND - file).
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DAYEND REPORTS
****************
CONTROL REPORT
--------- --------------
For tallying purpose, first control report is generated along with the credit and debit
amount. The slips have to be tallied scheme-wise, agent wise. But in this report overdue
and penal amount is not reflected as the same will be included after day end. However,
the interest amount to be credited to overdue accounts will be the same as that generated
during Start day (i.e. Interest calculated excluding monthly posting made after start
day). Hence slips for credit of interest should not be prepared based on control report,
since there is an option to go back to before day end position after viewing report but before
confirming Day end.
INCONSISTENCY REPORT
-------------------------------
This report will be generated when there is difference between control report and
Subsidiaries. When there is inconsistency, Next Start day cannot be done unless the
difference is set right by B C Section Officials. But there is provision to access the
package in Query mode by giving Process Date as Last Working date.
REPORT OF ACCOUNTS TRANSFERRED TO OVERDUE

------------------------------------------------------------------
During Day end system generates a report of accounts transferred to overdue along
with interest to be credited, Penal amount to be debited and balance. Necessary Slips
for interest and penal amount should be prepared based on this report.
SUBSIDIARY REPORTS
----------------------------
Subsidiary reports are printed for Regular and Overdue accounts Agent wise, Scheme
wise. The subsidiary total of all agents and all schemes for Regular and Overdue
accounts should tally with corresponding entries in Daybook.
IMPORTANT REPORTS GENERATED IN REPORTS MENU

**********************************************
AGENT COMMISSION REPORT

-------------------------------------
Commission to be paid to the agent for a particular month is generated. The excess
collection made for the accounts is excluded while paying the commission. Before opting
commission for a particular month, monthly posting for that month has to be completed.
i.e commission will be calculated only for the amount posted in ledger.
The commission is calculated as follows:
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Up to RS 7500 --- > 10% commission ---> 750=00
For remaining amount --- > 2% commission
Conveyance --- > fixed amount ---> 100=00
However the concerned Official should verify the commission amount before making
payment to the agent.
IMPORTANT NOTE: TAX DEDUCTIONS ON COMMISSION AMOUNT

SHOULD BE TAKEN CARE OF MANUALLY.
ACCOUNTS GETTING MATURED

---------------------------------------
This report generates the list of accounts of a particular agent which are due within the
given period. This report can be useful to agents for keeping track of the accounts due
during the month and stop the collection of those accounts accordingly. Accounts which
are due within next week/fortnight can be provided to the agent so as to inform the
customers.
MONTHLY COLL. POSTED REPORT

------------------------------------------
This report generates the amount posted and balance of all accounts for a particular
Scheme, particular agent and for particular month. This will be helpful for cross checking
when monthly posting does not tally.
BALANCE CONFIRMATION
---------------------------------
Balance Confirmation Report can be generated Agent wise / Scheme wise /Account wise
/ for all accounts.
MENU OPTIONS
1. TRANSACTION :
a. ACCOUNT OPENING : Opening of Accounts

b. TRANSFER-IN ACCOUNT OPENING: Opening of Transfer –In
accounts.
c. ACCOUNT MODIFICATION: Modification of Accounts.
d. MONTHLY POSTING: Ledger Posting of Collection.
e. TRANSFER-IN A/C MONTHLY POSTING: Ledger Posting of
collection during opening of Transfer-In account.
f. DAILY COLLECTION: Daily Collection Posting
g. ACCOUNT CLOSURE: Closure of Account.
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2. UPDATION:
a. NOMINATION: Updation of Nomination details.

b. LIEN: Updation of lien details.
c. MINOR REGISTER: Updation of Minor Details.
d. CAUTION: Updation of Caution details.
3. MASTER:
a. SCHEME MASTER: Updation of scheme details.

b. INTEREST RATE: Updation of Interest details.
c. AGENT MASTER: Updation of Agent details
d. AGENT COMMISSION: Updation of Agent Commission details.
e. BEFORE MATURITY ROI: Updation of Before maturity Rate Of
interest.
f. CUSTOMER: Customer creation.
g. BRANCH PARAMETER: Updation of Branch Details.
h. CALENDER: Holiday Marking and Calender.
4. QUERY:
a. MASTER DISPLAY: Ledger and Master Display of account.

b. INDEX OF ACCOUNTS: Customer wise Index of Accounts.
c. SUBSIDIARY: Subsidiary Display.
5. REPORT:
a. DEPOSIT MATURITY PART

b. A/C OPEN DETAILS
c. BALANCING
d. MINOR REGISTER
e. NNND LEDGER DISPLAY
f. CLOSED A/C REPORT
g. LEDGER
h. AGENT COMMISSION REPORT
i. PENAL AMOUNT COLLECTION
j. ACCOUNTS GETTING MATURED
k. MONTHLY COLL POSTED REPORT
l. CONFIRMATION REPORT
m. STARTDAY / END DAY REPORT
120
6. OTHERS:
a. PERFORMANCE TUNING: Optional indexing of files.

b. OPTIONAL BACKUP: Optional Backup.
7. ACCESS CONTROL:
a. ENLIST NEW USER: Enlisting of New User.

b. MODIFICATION OF PASSWORK: Modification of user Password.
c. LIST OF USERS
d. DELISTING OF USERS
e. PROTECTION OF PASSWORD: Adding protection to password
f. RWEMOVING PROTECTION: Removal of protection added to
password.
g. CHANGE OF USER
8. QUIT:
a. SHUTDOWN
b. HELP: Help for users
c. DAYEND
121
ASIAS
122
A S I A S
Introduction :
ASIAS (Accounts Section Integrated Accounting System) - software catering to the needs
of the Service Branches of Canara Bank for their activities. The database is maintained in
Oracle Engine on UnixWare operating system on the server and Developer 2000 on
Windows in the client. The package is based on client server environment. This package is
developed in-house.
Functionality of the package:

Following are the major functions performed through ASIAS:
1. Clearing Operations (outward and inward)
2. National Clearing
3. OSC (inward cheques for collection)
4. Payment of Demand Drafts
5. Payment of Dividend Warrants
6. Electronic Clearing System (ECS) -credit/debit
7. TTs payments, receipts and remittance
8. IBA - BAR responding module
9. Form AB module
10. LCCR module
11. FDD -reimbursement module
12. Currency chest operations
13. Tax collection
14. Clearing Bankers Reconciliation
15. Pension payment
16. Electronic Funds Transfer -(EFT)
17. SIDBI/IDBI Rediscounting/refinance
18. BACK OFFICE
Main Modules in the ASIAS Package

1. Start Day Operations 13. Back office Module
2. Calendar Maintenance 14. Outward Clearing Module
3. User Administration 15. Inward Clearing module
4. MIS Reports 16. National Clearing Module .
5. Master maintenance 17. ICC / OSC Module
6. Form A & B 18. Payment of Demand Drafts Module
7. LCCR Module 19. Dividend Warrant Module
8. FDD Reimbursement 20. Electronic Clearing System Credit
9. Currency Chest 21. TTs Payments and Receipts Module
10. Tax Collection 22. IBA responding BARs only
11. Electronic Fund Transfer 23. Pension payment Module
12. Clearing Bankers Reconcilation 24.SIDBI Rediscounting / Refinance
123
1. Start Day Operations :
Only Back Office Supervisor or manager can execute. It is to be opted for opening of a
new day.
2. Calendar Maintenance:
This option is used to mark a Holiday and to change to working day. Holiday marking for
previous months and future months can also be viewed.
3. User Administration -User utilities:

1. Create a user
2. Change password
3. Assign / de-assign roles
4. Drop a user
5. Purge log history data
6. Signature display
7. Modify signing power
All the options other than ‘Change password’ and ‘Signature display’ are available only to
‘Manager’.
4. MIS Reports:
There are 5 options for Destination/ output -Screen/File/Printer/Mail/Preview. After
selecting the destination and selecting the period -From date and To date, Press’ Enter’ or
select the green box on the top, to Run the report. After Viewing the report, to come out of
the option, select the Red box with’ X’ mark.
Following are the report options :
1. Total Business handled: Total business handled for a selected period will be displayed.
2. Outward Clearing Business: Total outward clearing business for a selected period will
be displayed which includes columns MICR Code, DPCode, BR Name, No of instruments
and Amount.
3. Business handled daily: It gives the total of daily transactions in inward clearing and
outward clearing for a selected period. It displays Transaction date, Total instruments and
Total amount and also Average, Minimum and maximum transactions.
4. Funds Flow Statement: Total Inward, Outward business and net inflow / outflow of
amount will be displayed for a selected period with Average, Low and Peak transactions.
5. ICC / OSC department Business: It gives consolidated position of ICC for a selected
period on daily basis with Inward date, clearing type, No of instruments and Instrument
amount.
124
6. Users Log report: It gives the login, logout details of selected staff numbers for a selected
period with staff no, name, login date and time and logout date and time.
7. Staff Roles: It gives the list of users and the Roles assigned to them as on date.
8. DDs Paid: It gives MIS report on total DDs paid for a selected period on daily basis with
payment date, Number of DDs paid and amount of DD paid.
5. Master Maintenance -Reports menu:
1. Service branch report: It gives Service branch details. It also displays parameters like
DD Validity period Samba DD Validity period, Maximum days pending allowed, RBI
Commission on clearing instruments.
2. Branch Report: It gives details of branches.
3. Bank Report: It gives details of all Banks with their branches.
4. RRB Branches: It gives details of all RRB Banks with their branches.
5. Account Code Report: It gives Back office account codes with description.
6. Return reason report: it gives list of reason for return of instruments.
7. Staff report: It gives the details of staff members for a selected period with details like
staff number, name, short name, date of joining, creation, modification and transferred
date.
8. Clearing Zone report: it gives the list of clearing zones with details of zone group, zone
number, description, transaction type etc.
9. RBI Code report: gives list of RBI codes with description which is used for preparation
of RBI report.
6. Form A & B Module -Reports:

1. Form A -Claim letter to presenting Bank.
2. Form A-B Details to clearing house.
3. Form A pending letters to branches.
4. Form A-B matching report.
5. List of Form A -B entries posted.
6. Form A -B balancing branch wise.
7. Form A/B Pending amount wise.
8. Form A/B Pending days wise.
9. Form A/B Balancing presenting bank wise.
125
7. LCCR Module :
1. LCCR Balancing report -It gives the LCCR balancing report as on any given date with
DPCode, Branch name and DR/CR amount.
2. LCCR Balance transfer report: It gives the LCCR balance transfer position as on any
given date and balance yet to be transferred report.
3. LCCR Subsidiary Pass sheet: It gives LCCR account subsidiary details of all branches,
DPCode wise, for a selected period and selected branches.
8. FDD Reimbursement -FDD Main Menu
Reports:
1. FDD Checklist -Gives check list of FDD punched on any selected date.
2. Company wise payment list -Details of company wise payment of FDDs as on any given
date.
9. Currency Chest Module
Reports:
1. Link Office Statement:
2. Pending IBA responding -Gives details of pending IBA responding for a given date.
10. Tax Collection Module

Reports:
1. Check list -Batch / Lot wise
2. Consolidation report
3. Turnover commission
4. IBA responded -Branch wise
5. Scroll status -Branch wise
6. Subsidiary Report
Query:
1. IBAs responded query
2. Batch position query
3. Dealer master query
126
II. Electronic Fund Transfer
Reports:
1. EFT Inward :
- Pending acknowledgement -Gives list of transactions not yet
acknowledged.
- Fresh inward transactions
- List of acknowledgements
2. EFT Outward:
- Outward fresh transactions
- FT3 report -FT3 report batch wise
12. Clearing Bankers Reconciliation
Reports:
-Bankers reconciliation
-Outstanding subsidiary entries
-Outstanding Bankers entries
-Matched entries on a day
13. Back Office Module -Back office Menu
Query
-Bar -Bar Query for other than clearing items

-Clearing Bar -Bar query for clearing items.
-Old IBA query -
-IBA query for pending days
-Duplicate advice,
Note: Press F7 to select a query and F8 to execute a query.
Reports:
- Transfer Waste
- Mini Waste
- HO Transactions
- Subsidiary Transactions
- Day’s Total transactions
- Ledgers of Subsidiaries
- Trial Balance / General Ledger
- General Ledger
- Consolidated Balance of Subsidiaries
127
- Detailed Balance of Subsidiaries
- HO Summary
- RBI profile
- PRR 5 & 6 profile
- Pending BAR details - Clearing BAR,
- Other BAR
- Pending BAR follow up - Clearing Bar
- Other BAR
- Waste and Subsidiary Report
14. Outward Clearing Module:

- Select Zone number by clicking ENTER
- Select Date of clearing and click ENTER -Goes to Main Menu
- Select Reports
Reports:
- FORM 9
- List of BARs responded
- Subsidiary Report
- List of BARs Originated
15. Inward Clearing Module:

- Select Zone number by clicking ENTER
- Select Date of clearing and click ENTER -Goes to Main Menu
- Select Reports
Reports
- BAR / LCCR generation
- SA SL adjustment entries list
- Outward BAR / LCCR register
- Non MICR Branch Wise Total
- Non MICR Bank wise Total
- Non MICR Query on Selected Amount
- ECS Debit Reports -Branch Wise Total
- Branch wise Consolidation Report
16. National Clearing Module:
Queries:
- Centre wise pending instruments
- Fate of instruments
Reports:
- Realisation Status
- Pending Instruments
17. ICC / OSC Module:
128
Reports:
- ICC / OSC Checklist

- ICC / OSC Consolidation
- Special Instructions
- Modified records Report
- Return Instruments List
18. Payment of Demand Drafts Module:
Reports:
- Paid Checklist -Checklist Amount wise

- Transaction details
- Stolen List
- Our DD stolen -DPCode wise
- Old DD stolen List
- Caution List -DPCode wise
Query:
- Our new DD Query
- Our old DD Query
19. Dividend Warrant Module:
Reports:
- Consolidated List Company Account wise

- List of Warrants punched in a LOT
- List of FTVs raised LOT wise
- Generation of FTV s
- Details of Warrants Company wise
- BAR outward register
- Generation of BARs
- Validation report for Dividend Warrant processing
- LOT processed details report for a selected period
- BAR Inward register
- IBA BAR relationship report
- BAR wise warrant list for a selected LOT
- List of BARs responded DPCode wise
- Subsidiary posting details for a selected transaction, date and waste No.
- Mini waste posting details
- Clearing returns -FORM A -B Report for a selected LOT NO and Clearing
date.
20. ECS -Electronic Clearing System (Credit)
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Reports:
- Consolidated Branch wise List
Query :
- ECS -Credit Enquiry
- ECS -IBA Enquiry
21. TTs Payment / Receipts / Remittances Module:
Reports:
- TT Payment -(Right Click to view the Submenus)

- TT Payment Register
- TT Payment advice to branches
- TT delivery memo to branches
- Circle wise report on Overdue interest
- Banker’s cheque printing
- TT Receipts -(Right Click to view the Submenus)

- TT Receipts Register
- TT Telegram received register
- TT Remittance register
- TTs reversal checklist
- Mini waste / Subsidiary/HO -For a selected transaction date and Waste
number.
Query:
- TTs Paid Query -It displays TT details / Bank’s details / IBA details
- TT Receipt Query -Displays Bank details / TT details
- Remittances Query
(press F7to select a query and F8 to execute a query)
22. IBA Responding -BAR only Module:
Query:
- BAR Reversal -IBA only
- BAR Reversal -Adjustment entry
- Pending LOTs
Reports:
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- BAR - IBA - adjustment report
- Mini waste / Subsidiary / HO

- Pending BARs -Clearing (for a selected date)
- Pending BARs -Others (for a selected date)
- Duplicate BAR printing
23. Pension Payment Module:

- Pension Masters Reports menu-
- Pension Master
- DA Master
- Treasury Master
- State master
- Pay Branch Master
- Pension Category
- Pension Civil Code Master
- Pension Name Master
- Pension type Master
- Relationship Master
- Link Branch Master
Other Reports:
- Pension payment scroll
- Link summary sheet
- Daily Govt. debit scroll
- Pre 1990 pensioners data
- Changed data
- Pension scroll data I , II, III, IV.
24. SIDBI / IDBI Rediscounting / Refinance Module:
- System asks Transaction date -click enter

- System asks Confirm date -click enter
- Gives the message “Do you want to open transaction day for SIDBI/ IDBI”
- Select ‘NO’
- Goes to Main Menu
Reports -
- SIDBI Rediscounting -
- Due date wise register

- Account wise ledger report
- Balancing of rediscount bills
- Interest Prepaid provisions
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- SIDBI Refinance -
- Inward register report
- Due date wise ledger -refinance
- Interest rate wise ledger -refinance
- Balancing of SIDBI refinance bills
- Balancing Interest rate wise due
- Interest Payable provisions
- Refinance bills -Interest calculation
- Maturity pattern report
- Bills due -Interest rate wise register
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ASIAS PACKAGE INTERFACED WITH CBS
Now the ASIAS package was interfaced with CBS ie ., the data will be processed in ASIAS
and accounting will be done in CBS.
GENERAL GUIDELINES TO ACCOUNTS SECTIONS IN CBS WITH ASIAS

INTERFACE
1. Whenever an uploaded file goes to Unprocessed (Process in Progress) state all the
subsequent files uploaded would not get processed. Hence immediately branch to
take up with the Help Desk and seek their assistance to abort the processing and
reloading the file by effecting corrections/renaming should be done only with the
concurrence of the Help Desk.
2. The BAM 94 option which displays the status of the uploaded file would display
only the first 100 entries, hence to know the status of all the entries (wherever it
exceeds 100) the user should use the BA110/BA111 Reports.
3. As and when new DP Codes are added for clearing branch to take up with the Help
Desk furnishing the full particulars for creating the CASA Product for those DP
Codes to enable accounting of LCCR Transactions.
4. In case of Form A/ Form B entries noticed at the Branch Level the branches should
report the details along with the BAR/IBA to Accounts Section and Accounts
Section to capture the full details of Form A/B entries of the Branch through
GLM01 option and the consolidated data to be provided to RBI, wherever
applicable, should be generated at Accounts Section.
5. LCCR: Since the LCCR Accounting is maintained as a CASA Product in Flex cube
with Product Code 299 and a Separate Account is maintained for each Branch with
DPCode of the Branch as the Account Number, all the postings/ adjustment entries
for the LCCRs should be done through the CASA Product 299 only and not through
direct GL posting. In case any entries are directly posted to GL 170000010,the same
should be reversed by debiting or crediting the GL 170000010 and concerned
CASA Account
6. LCCR Pass Sheets should be generated from Flex cube and not from ASIAS.
7. The DDs Paid summary is to be submitted from the ASIAS package while the DD
Issue, Cancellation, Rectification and Consolidation Summary would be generated
from Flex cube by DIT.
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8. In cases where BAR No. and Annexure to BAR is generated in ASIAS and the
Accounting files are uploaded to Flex cube and BARs are printed in Flex cube with
Flex cube Serial Number, while responding the BARs the Branches would have
provided the Flex cube Bar No. The IBAs for the BARs sent may be received with
the Legacy Bar No. or Flex cube Bar No. To respond the IBAs with Legacy BAR
No./attending the paid details query, Account Section should generate the Pending
BAR Report which contains the mapping Flex cube BAR No. with the ASIAS Bar
No.
9. Whenever the Legacy system has provision for Responding IBAs such as FCS, TT
Reversal, ECS Credit Returns etc. the responding of the IBAs should be done
through the respective Legacy System and then the Accounting file should be
uploaded to Flex cube . DO NOT RESPOND DIRECTLY IN FLEXCUBE AS
THE ENTRIES WOULD BE OUTSTANDING IN THE LEGACY SYSTEM.
10. Handling accounting of the ECS Credit and ECS Debits on the day of settlement
would be as per the CBS guidelines.
11. In case of Dividend Warrants and the ECS Credit, the FTVs are to be generated
only through ASIAS.
12. Till ICC activity is carried out through ASIAS Package, Accounts Section
SHOULD NOT USE THE OPTION CHEQUES LODGED, IF ANY, BY THE
CBS BRANCHES THROUGH THE OPTION 6566 AS IT WOULD LEAD TO
ACCOUNTING PROBLEM.
13. Before uploading the Realisation Accounting Files (pertaining OSC/ICC in ASIAS
and FCS in ALPM Package) to CBS the user has to ensure that the credit is available
in the concerned GLs on account of Presentation of the Instruments in Clearing.
14. In case of Payment of Arrangement DDs the GL 123500830 which is an

implemented GL will have recon number as Bank Code (3 digits) + DD No. (6
digits). In case the DD number is repeated, the entries would get rejected in the File
upload and the same has to be reversed from Suspense through Manual Posting.
15. The GLM01 Screen has provision to accept only 99 entries hence in case of entries
exceeding 99 kindly split the same into batches and post.
16. Sending of IBA through SFMS should be handled procedurally (Manually) till the
SFMS/RTGS Interface is enabled in Flex cube. However, with respect to TT
Module – Payment and Remittance, the sending of RTGS message would be
through ASIAS Interface.
17. The National Clearing activity can be handled directly through Flex cube by
lodging the Cheques on the identified Branches in the Metros. Hence the National
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Clearing Module in ASIAS to be discontinued on completion of the pending
Realisations.
18. In case of direct posting to Flex cube, ensure that the slips are prepared and
authenticated before posting the entries into the system and user posting the
transaction should note down the Transaction No./Batch No. on the slip to avoid
double posting of the entries.
19. In case of File uploads, immediately after uploading the files and generation of
Reports, Slips should be prepared as per the reports and for the rejected
transactions, if any, slips are to be prepared, authenticated and then the entries
should be posted to the system.
20. Ensure Zero balance in the Suspense GLs ie. 122422610 and 240004130 before
closure of Branch Batch.
21. Take detailed Balancing at periodical intervals and ensure that the same is tallied
with the Day Book.
GUIDELINES FOR TALLYING FOR ACCOUNTS SECTIONS IN CBS WITH

ASIAS INTERFACE (PRE END-OF-DAY )
1. Each and Every user to close the Teller Batch after ensuring the following:
a) That all the transactions pertaining to his department has been posted,
authorized and submitted and the file uploads have been completed.
b) Rejects, if any, which have got accounted to Suspense GLs are to be

reversed to the correct GLs.
c) For all the transactions viz. File uploads, direct posting in Flexcube and
reversal of suspense entries necessary reports (ST669 /ST651) are
generated and authenticated.
d) For all the transactions slips are to be prepared as under :
i) separate slips GL Head wise and File wise for file uploads
ii) individual slips for each transaction directly posted in

Flexcube.
The slips should clearly indicate the USERID, Sequence No./Batch

Number, GL Numbers in Bold and also file name (in case of file upload)
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The slips should be signed and authenticated by the Supervisor and
attached to the concerned reports.
The slips are to be bifurcated into 2 bunches one pertaining to file uploads
and the other pertaining to Direct postings in Flexcube and are to be
handed over to the Day Book Department, retaining office copy of the
report in the department.
e) All the Vouchers to be generated are printed through the option 5525
2. The BRANCH INCHARGE who closes the Branch Batch should ensure the
following before closing the Branch Batch:
a) That the Day End in ASIAS is completed and the Accounting File Report
generated as part of the Day End is available with him.
b) That the Day End in FCS is completed and the Report Generated at Day
End for the files uploaded to CBS is available with him.
c) The Report received from EDP for the Pension Payments made(in case it
happens to be the Pension Payment day) to be accounted on that day is
available with him.
d) Generate ST662 Report to ensure that all the Vouchers are printed and
nothing is pending for printing.
e) Generate a consolidated ST669 Report - External File System 'ASIA' and

File Name '0' (Zero) which would reflect all the files uploaded under the
External File System 'ASIA'.
f) Compare the ST669 Report with the reports indicated in (a), (b) and (c)
above and ensure that all the processing done in the Legacy system has
been uploaded to Flexcube.
In case all the files mentioned in a), b) and c) above do not find a place in
the consolidated ST669 Report it should be ascertained whether the files
have been uploaded and are in:
i) Not Processed state (would get processed when the GEFU

Services are up) – take up with Help Desk to enable the GEFU
Services, ensure the file is processed and then generate the
reports.
ii) Unprocessed state (Process in Progress) the files may not get
processed, may be on account of data error. In such cases take
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up with the Help Desk to ascertain whether the same file would
get processed or whether there is need to re upload the file after
effecting necessary data correction and renaming the file and
act according to the instructions of the Help Desk.
In case the files are not uploaded at all, the same is to be uploaded
and vouchers, if any, generated before proceeding for Branch Batch
Closure.
3. Consolidated ST669 to be generated for all other types (other than External system
'ASIA') of files uploaded viz. MB, DDBC etc. to ensure that all the GEFU files
required to be loaded for that day have been uploaded, Suspense Entries, if any, are
reversed. However since these files are created by the Users for uploading to
Flexcube and not generated through any legacy system there is no cross checking
and ensuring that all the files are uploaded is only through MANUAL control.
4. All the above reports to be handed over to the Day Book Department for the purpose
of tallying with the Day Book on the next day.
5. Ensure that the balances in the Temporary GLs are made Zero AND that there are
no negative balances under SA/SL/BAA using the Reports / Query in Flexcube.
6. After ensuring all the above the SMS user can proceed with Branch Batch Closure.
(POST END-OF-DAY)
1. Generate the Alert Statement (GL 604) and Consistency Check Reports- Alert
Statement to be NIL / Consistency to be ensured, else take necessary steps to
rectify the same.
2. Generate the Business Objects Report Transfer Waste Part I ie. Day Book.
3. Generate the Consolidated ST651 report consisting of entries directly posted in

Flexcube (other than file uploads) for the day for all Users.
4. Sort the File upload bunch of slips and cross check the ST669 reports received
from the individual departments with that of the Consolidated ST669 to ensure that
slips have been received for all the files uploaded, simultaneously ensuring
correctness of the Slips prepared by cross checking with the Reports.
5. Take up the bunch of slips pertaining to Direct posting in Flexcube and compare
the same with the consolidated ST651 Report and ensure that slips have been
received for all the transactions posted, simultaneously ensuring correctness of the
slips prepared by cross checking with the Reports.
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6. The Debit Slips and Credit Slips are to be sorted Main GL Head wise (as appearing
in the Day Book) and totals are to be arrived, Day Book Slips prepared and tallied
with the Day Book Report.
7. The ST649 Report may be referred to for the GL wise Totals.
8. In case of problem in tallying with the Day Book, B. O reports Transfer Waste Part
II (User Posted Transactions) and Transfer Waste Part III ( System Generated
Transactions), Transfer Waste Part IV Cross Over Transactions may be referred
to.
9. Ensure that the HO Originating ,Responding and Consolidation are tallied with the
Day Book by generating the following Reports (Printouts to be generated only in
case of need):
ST 604 - Originating Summary

ST 603 - Responding Summary
ST 638 – HO Consolidation Summary.
10. On the Due Dates for Balancing / Periodical Intervals generate Detailed Balancing
Report (GL 215 ) and ensure that the Balancing is tallied with the respective GL
Balances.
The following reports are to be generated :
DAY BOOK
GL ALERT REPORT
ST669
BA110
BA111
GL604 report is to be generated by the branch and it should be signed by the Branch-
incharge. This report should be NIL as on any day.
Negative balances to be monitored by the branch.
The following GL heads are being used by the Accounts Sections in CBS. Inspecting
officials have to review the GL heads.
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1 DEMAND DEPOSIT SUNDRY DEPOSITS
GL Code GL Description
240004130 SD -WOP-GEFU-CREDIT-REJECTS
2 SUNDRY LIABILITIES AND PROVISIONS
200001018 SL-FCC-FCR-HO TRANSACTIONS
200001020 SL-FCC-FCR-BR.ADJ TRANSACTIONS
209270020 SL - OL - OTH - BAL & CLG DIFF
209270510 SL - OL - OTH - TDS-DOMESTIC TD-1
209271050 SL - OL - OTH - SERVICE TAX COLL
209271090 SL - OL-OTH-Pension
209271110 SL-OL-OTH-ASIAS-FORM-B-MANUAL ENTRY
209271111 SL-OL- OTH - ASIAS-FCS
209271112 SL-OL- OTH - ASIAS-CCMS
209271115 SL-OL- OTH - ASIAS-CLG-UNLOCATED
209271123 SL-OL-OTH-ASIAS-FORM-B-ENSURE ZERO
209272380 SL -OL-OTH-OSC/FOSC/ICC PARKING GL
209272430 SL - OL - OTH -ALL OTHER-MISC
209272431 SL - OL -PARKING GL ENSURE ZERO BAL
260010010 SL-CBS- NEW DEMAND DRAFT PAYABLE
270000020 SL-CBS-IBA-PAYABLE
3 BORROWINGS
221999000 LIAB BORR - REF - SIDBI
222001000 LIAB BORR - REF - NABARD
4 LCCR -LIABILITIES
170000010 LCCR- ASSET - Local CLG & Cash Rem
170000020 LCCR- ASSET - In/Out Clearing SL
5 NEW DEMAND DRAFT- LIAB
180011300 FOR A/C SEC ONLY-DD PAYMENT
260020000 DD- NEW DEMAND DRAFT-NONCBS
6 HEAD OFFICE (LIABILITY)
270000010 HO - Head Office Account
7 ATM-DBC-CBS INTERBRANCH CARD(LIAB)
200001004 HO-CBS-FCR-TRANS-INTER-BRANCH
8 INCOME
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320010110 COMM - DD
320010150 COMM - Govt. Business
320011050 COMM - INL Bills/Chq -Coll.(OSC)
320020030 COMM - Service Charges
320020040 COMM - Misc. Receipts
320020090 COMM - GENERAL INSURANCE
9 CONTINGENT LIABLITIES
621110010 CONT LIAB-BILLS-INLAND-OSC-OBC-FCR
10 CASH AND BANK BALANCES WITH RBI
113610000 BAL WITH RBI - CA
11 BALANCES WITH OTHER BANKS
113710000 BAL WITH OTH PUB SEC BANKS DEPOSIT
12 SUNDRY ASSETS
122421000 SA - STOCKS AND STAMPS - FRANK
122422020 SA - EMPLOYEES TA/LFC ADVANCE
122422030 SA - FESTIVAL ADVANCE TO STAFF
122422170 SA - BALANCING & CLEARING DIFF
122422190 SA - SUPPLEMENTARY SALARY
122422210 SA - CHEQUE RETURNS(INWARD)
122422230 SA - PENSION PAYMENT
122422270 SA - OTHERS-GIVE DETAILS
122422360 SA - OTHERS-LIVERY
122422370 SA-OTH-ONLY ASIAS-CCMS-ENSURE ZERO
122422380 SA - FORM A-ASIAS-MANUAL-ENTRY
122422381 SA-FORM A-ASIAS-ENSURE ZERO
122422390 SA - OTH -ASIAS-CLG-ADJ
122422400 SA - OTH -ASIAS-CLG-DIF-UNLOCATED
122422610 SA -OTHERS-GEFU-DEBIT-REJECTS
13 BRANCH ADJUSTMENTS
123500120 BA - DDs PAID - NON-CBS FDD PAID
123500710 BA - BARS - CLEARING
123500712 BA - BAA - ASIAS-CLG-DDS
123500713 BA - BAA - ASIAS-CLG-DWS
123500715 BA - BAA - ASIAS-CLG - OTHERS
123500717 BA - BAA - FCS-ASIAS-CLG
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123500730 BA - BARS - DW /IW /REFUND ORDERS
123500790 BA - BARS - TTs OUTWARD
123500820 BA - BARS - HO:INTEREST
123500830 BA - BARS - OTHERS
123501010 BA - BARS - GOVT-BUS-CURRENCY CHEST
123501040 BA - BARS - ASIAS-FTV
14 LCCR(LOCAL CLG - ASSETS)
170000010 LCCR- ASSET - Local CLG & Cash Rem
170000020 LCCR- ASSET - In/Out Clearing sl
15 NEW DEMAND DRAFT - (ASSETS)
180011300 FOR A/C SEC ONLY-DD PAYMENT
260020000 DD- NEW DEMAND DRAFT-NONCBS
16 HEAD OFFICE (ASSETS)
270000010 HO - Head Office Account
17 EXPENDITURE
420010010 GC - SALARIES - EXCL LEAVE ENCASH
420010220 GC - LFC - TO OFFICERS
420010310 GC - MED EXP - TO OFFICERS
420010320 GC - MED EXP - TO CLERICAL STAFF
420010330 GC - MED EXP - TO SUB-STAFF
420010420 GC - BONUS - TO CLERICAL STAFF
420010530 GC - LIVERY - TO SUB-STAFF
420010620 GC - STAFF EXP - TO CLERICAL STAFF
420010710 GC - EMP WELFARE - TO OFFICERS
420010720 GC - EMP WELFARE - TO CLERICAL STF
420010730 GC - EMP WELFARE - TO SUB-STAFF
420020100 GC - RENT PAID - OFF - OFF PREMISES
420020210 GC - RENT PAID - QTRS - TO OFFICERS
420020300 GC - GENERATOR AND LIGHTING EXPENSE
420030020 GC - OTHER THAN COMPUTER STATIONERY
420030030 GC - LOCAL PURCHASE STATIONERY
420050010 GC - POSTAGE - TELEX
420050020 GC - POSTAGE - COURIER
420050030 GC - POSTAGE - P & T
420050060 GC - POSTAGE - TELEPHONE CHARGES
420060200 GC - REPAIRS - MINOR REPAIRS
420060400 GC - REPAIRS - COMP - HW MAINTEXP
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420071110 GC - TA - TO OFFICERS
420071120 GC - TA - TO CLERICAL STAFF
420072010 GC - HA - TO OFFICERS
420072020 GC - HA - TO CLERICAL STAFF
420073010 GC - CONV - TO OFFICERS
420073020 GC - CONV - TO CLERICAL STAFF
420073030 GC - CONV - TO SUB-STAFF
420075010 GC - SUBSC - TO OFFICERS
420075020 GC - SUBSC - TO CLERICAL STAFF
420075030 GC - SUBSC - TO SUB-STAFF
420075040 GC - SUBSC - BRANCH/OFFICE
420076010 GC - BDE - TO OFFICERS
420083010 GC - MISC- DAILY WAGES/DRIVER'S SAL
420083040 GC - MISC- CHARGES PAID-MICR CHEQUE
420083050 GC - MISC- TRANS/SHIFTING CHARGES
420083060 GC - MISC- XEROX/TYP/BINDING CHRG
420083090 GC - MISC- OTH FURNISH DET IN ANX
18 EXPENDITURE
410051500 INT PAID - SIDBI
INT PAID – NABARD
410051700
19 ATM-DBC-CBS INTERBRANCH (ASSETS)

200001004 HO-CBS-FCR-TRANS-INTER-BRANCH
20 CONTINGENT ASSETS
510006010 CONT ASSET-BILLS-INLAND-OSC-OBC-FCR
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FEXOFT
FEXOFT
FEXOFT, the Integrated Software caters the needs of Foreign Departments which were
hither to cater by various stand-alone packages. The FEXOFT software currently uses the
following resources.
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1. Hardware: FEXOFT uses Client I Server technology (2 Tier Architecture). It consists of
a Server where the data is stored and many Client workstations, from where users transact
with the system.
2. Software: SCO UnixWare 7.1.1, Oracle 8i in the server. MS Windows98, Developer6 -
Forms, Reports & Graphics - Runtime versions
3. Networking: The offices are networked by UTP cabling system.
Important Menu Options in FEXOFT Package:
Following are the important menu options available under each modules of FEXOFT
package.
Sl No Name of the Module Important Menu Options

01. Asset BRD
PCFC
FC VSL
Placement
02. Liability Deposit
FC Borrowing
03. Fex Backup Forward Contract
Reporting
Unreported
Upload IBD
04. Core INR / FC Transfer Waste
BAR Realisation
HO Module
Evaluation
Revaluation of Assets / Liabilities
Year End Activity
System Administration
Master Maintenance
BP Realisation
Inventory Module
05. Remittances Inward Remittance
Outward Remittance
Vostro DD Processing
Inland Demand Drafts
06. Trade Not enabled
07. Reports Assets
Liabilities
Fex Backup
Core Remittance
Previous End Day Reports
08. Calendar Calendar (To view and mark)
unmark holidays)
09. EOD EOD Activities
10. Exit Exit from the Package
1. Under each module, query options are provided for getting the details of earlier records
under each activity. If query button is not masked on selecting an activity, it means that
query option for that particular activity is available. User can execute a query by giving
144
required field value relating to the record to be queried. If no particulars are available,
user can execute a general query without giving any data in which case query may fetch
large number of records depending upon the database. User can view each record by
clicking ‘Go to next record’ button.
2. Under “Report” module, more than 200 report options are provided which can be used
for getting the required details. Report options are given module wise under “Report”
module. User can select any report and click ‘run report’ button to view the required
report. Reports can be selected for the required period / day. If any report is running for
more than one page, user has to click ‘next page’ button on the tool bar to view every
page of the report.
3. Report on ‘Roles Details’ of each user can be generated through “System

Administration” option of “CORE” module. This option is presently restricted to
‘Manager’ level user.
4. Master details in respect of the following can be obtained through “Master

Maintenance” option under “Core” module.
Core Module Master Maintenance

Commodity
Correspondent
Counter Party
Inventory Master
Inventory Company Master
Country
Currency
Holiday City Wise
Parameter (Concerned FD)
Ratex
Var Rates
R Retum
Branch Master
Notional Rate
Deposit
Scheme
Scheme Penal
Interest Rate
Permitted Dr -Cr
5. Report on ‘Access Log’ and ‘Details of Roles’ can be obtained through ‘Core-
System Administration’ option.
145
6. Under Deposits the particulars regarding minimum balance, penal interest
application etc are also parameterized and can be viewed through the scheme
parameters report available in the system.
7. The reports for BAR can be invoked through the Main Menu – Reports – Core –
Rupee Accounting option. All the reports have the print / viewing facility.
 BAR Register
 BAR Balancing
 BAR Outstanding For Any No. Of Days
8. The following Reports are printed during End Day
 Rupee Grand Totals for the Day

 Foreign Currency Wise Grand Totals for the Day
 Rupee Transfer Waste
 Foreign Currency Transfer Waste
 List of IBA Issued during the Day
 HO Summary IBAR copy
 HO Summary FD Copy
 Rupee Trial Balance
 Foreign Currency Wise Trial Balance
 List Of Subsidiary Transactions During The Day
 Non-Detailed Balancing
 Rectification Of Position Report
9. Take out the following balancing reports and ensure that the balancing figures tally
with the Provisional FCTB/Day Book (for Mirror).
 BP Balancing DBR and CCAT (Under Reports - Fex Backup - Reporting -

BP Balancing Report)
 Merchant Forward Balancing for Map & Evaluation for DBR and CCAT
(Under Reports - Fex Backup - Forward Contract - Balancing For Map
Evaluation
 Provisional FCTB - (Under Core - FC Accounting - Provisional Day Book
FC)
 Provisional Day Book - Rupee (Under Core - Rupee Accounting -
Provisional Day Book INR)
 IBD Monthwise Balancing from ALPM IBD Package
10. There is an option to generates the HO Summary [IBAR And Branch Copy] for any
date except the process date is available under Main Menu – Reports - Core - Rupee
Accounting - HO Transactions.
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11. The reports related to HO Transactions can be invoked through the Main Menu –
Reports – Core – Rupee Transactions – HO Transactions option. The following
reports are available :
 List Of IBA Issued

 Originating HO Summary – FD Copy
 Responding HO Summary – FD Copy
 Consolidation Summary – FD Copy
 Originating HO Summary – IBAR Copy
 Responding HO Summary – IBAR Copy
 Consolidation Summary – IBAR Copy
12. Reports For Vostro Transactions
The reports for Vostro can be invoked through the Main Menu – Reports –
Remittances – Vostro option. All the reports have the print / viewing facility.
 Vostro Consolidated BAR

 Vostro RDA Letter to Branches
 Vostro RDA Register
 Vostro Stop Payment Register
147
INTERNET
AND
MOBILE
BANKING
Internet and Mobile Banking
148
There has been a paradigm shift in the delivery channels of banking services in India from
a traditional one to a technology driven one. More so, since a decade, which include
introduction of ATM services, AWB services, etc.
These apart, IT provides the customer the ultimate in Banking convenience, facilitating
easy and secure access to account information at the finger tip anytime from any part in the
world. In our Bank Internet and Mobile Banking is proposed to be implemented in a phased
manner, initially off-line and in due course real time e-banking.
Our Bank offers ‘informational’ as well as ‘Communicative’ Internet Banking for its
customers. ‘Informational’ product is a low risk product as it offers information about
Bank’s products and service and is called as “Brochure ware”.
‘Communicative’ offers account-related information and possibly offers to update to static

data (such as addresses) since access is permitted to Bank’s systems, the risk is material
and hence can be rated as ‘Risky’, if not ‘highly risky’ as in the case of ‘transactional
internet banking.
At present, we have two modules, one for retail customers ‘Can-e-retail’ and another
for corporate clients ‘Can-e-Corporate’. Internet and Mobile Banking services would
be provided off-line initially, i.e., the customer desirous of availing internet banking
facility would not have direct access to the live data maintained at our branches. The
customer can have access to the ‘Web Server’ maintained at the Internet Data Centre
(lDC) which fetches the information sought by the customer from the static database at
the IDC. The database gets updated once a day at a prescribed time when the data is
downloaded by the respective branches. The domain name of our Internet Banking
website is - www.canarabank.in
The eligible account holders would be provided with a USER_ID and PASSWORD for the
purpose of logging on to internet / mobile banking. Also a TRANSACTION PASSWORD
is provided for authentication of transaction / requests made through internet.
The IMB service can be successfully implemented and smooth conduct can be ensured by
the Relationship Manager (RM) and Database Administrator, the vital personnel for IMB.
Mobile Banking :
Mobile banking is offered in TWO ways, namely, SMS and WAP Banking, which shall be
available for the Retail customers only.
SMS Banking enables the customer to access SMS server through his mobile phone using
‘Short Messaging Services’ (SMS). SMS server will provide message inputs from Internet
Banking Customer’s (lBC) mobile to Can-e-retail’ application. As a result, Can- e-retail
application will process the message inputs and send the output back to the lBC’s
mobile through the SMS server.
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Wireless Application Protocol (WAP) Banking: Can-e-retail customer can also access
Internet Banking through WAP enabled mobile phone. The WAP enabled mobile phone
can connect to the WAP server through the Internet. All mobile phones are not WAP
enabled. The commonly used set of WAP enabled phones can be classified into groups
based on the sizes of display and templates will be maintained for each group. Depending
on the group that the caller’s phone belongs to, a corresponding template will be used to
show the display. If in case the phone does not belong to any of the groupings, a standard
template will be used to show the data.
Facilities available under Mobile Banking:
a) SMS Banking:
This service is available only under Can-e-retail.

The following options are available to the IBCs under SMS:
• Balance enquiry
• Inquiry of last 5 transactions
• Opt out from SMS
• Change SMS password
• Funds transfer to self accounts within branch (Not implemented yet)
• Send messages to Relationship Manager
b) WAP Banking:
This service is available only under Can-e-retail.

The following options are available to IBCs under WAP:
• Display list of accounts.
• View balance of selected accounts
• Display of last 5 transactions
• Funds transfer between two self accounts within branch (Not
yet implemented)
INTERNET BANKING – CORE BANKING
The Internet and Mobile Banking facility, which is in vogue in our Bank, is being extended
to the customers of IBBS and Bancs2000 branches. Detailed guidelines of the scheme have
been furnished vide Ho Cir 153/2003 dated 14th July 2003. This facility continues to be in
force for IBBS and Bancs2000 branches.
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Now, under Core Banking environment, the Internet & Mobile Banking facility with
enhanced features and functionalities namely Funds transfer, Standing Instructions,
Issuance of Demand Draft/Pay order, Opening of Term Deposit etc is introduced. This
Internet & Mobile Banking facility with enhanced features will be extended only to the
customers of Core Banking branches.
Internet Banking is a facility that drives the entire banking technologically facilitating easy
and secured access to account information at any time from any part of the world through
internet. The facility is available 24x7 and enrolment for availing the facility is free of cost.
The Internet Banking facility of Core Banking solutions works online and real time. This
facility supports both Retail and Corporate Customers for viewing, querying and
transacting online.
I. TYPE OF ACCOUNTS COVERED UNDER INTERNET BANKING.
1. Net Banking – Retail:
a. CASA accounts – Savings Bank, Current Account, Overdraft, Open Cash

credit.
b. Other accounts such as Term Deposits and Loan accounts in the name of
Individuals as well as Joint Account/s with operation condition severally (Joint
or First (JOF) or Joint or Others (JOO).
2. Net Banking – Corporate:
a. CASA accounts – Savings Bank, Current Account, Overdraft, Open Cash credit
accounts in the name of Corporate entity.
b. Other accounts such as Term Deposits, Letter of Credits, Bank Guarantees and
Trade Bills in the name of Corporate entity.
II. ELIGIBLE ACCOUNTS:
1. Net Banking – Retail:
a. Any running account of individual/s including Staff, Minor represented by

Guardian & NRI.
b. Joint Account/s where operation condition is severally - Joint or First (JOF) or
Joint or others (JOO).
c. Such account/s should be fully KYC compliant.
d. Existing Accounts should have satisfactory operations for reasonable period.
e. Newly opened accounts, depending upon the value of the account and at the
discretion of the Branch in-charge.
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2. Net Banking - Corporate:
a. Proprietorship firm.
b. Partnership concern.
c. Joint Stock Companies (both public and private).
d. Societies.
e. Government Bodies.
f. Accounts of such Corporates should be fully KYC Compliant.
III. ELIGIBLE PERSONS TO ACCESS:
1. Individuals:
i. By account holder himself/herself.

ii. By Power of Attorney Holder / Letter of Authority holder.
iii. Minor accounts operated by Guardians, by guardian of the minor.
iv. In respect of joint accounts where operation condition is specified as JOF or
JOO, different user ids will be issued to each account holder of the account on
specific request to the Bank.
2. Corporates:
a. Sole Proprietorship Firm:

i. The Sole Proprietor of the firm.
ii. Letter of authority holder/Power of Attorney Holder of the proprietor.
b. Partnership Firm:
i. Those partners who are authorized to operate the account.
ii. Authorized person/s nominated by the Partners.
c. Companies:
i. Both Public and Private Companies including Government Bodies.
ii. Authorized person/s to operate the account as per latest Board
Resolution/Mandate.
NOTE: The authorization for accessing and operating the accounts through Net
Banking, in the case of Corporate customers should be in conformity with the latest
resolution/mandate.
IV. INELIGIBLE ACCOUNTS FOR INTERNET BANKING FACILITY:
1. Joint accounts where operation condition is other than severally.

2. Account/s of illiterate persons.
3. Account/s of Blind Persons.
4. Account/s of HUFs, Trusts, Clubs and Associations.
5. Account/s under Court orders/Attachment orders.
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6. Dormant account/s.
7. Frozen account/s for various reasons like disputes, litigation etc.
8. Any other accounts not included under eligible accounts category.
V. ENROLMENT FOR INTERNET BANKING FACILITY:
The Customer desirous of availing Internet Banking facility has to submit an

application in duplicate, in the prescribed format in person, to the Branch Manager
where customer is maintaining his/her account. Alternatively, the application can be
downloaded from the home page of the Bank’s Internet Banking Website -
www.canarabank.in
NRI customers intending to avail the facility can however submit the application,
obtained as above, either by post or in person during their visit to India.
The customer must clearly indicate the facilities that he/she would require through
Internet & Mobile banking such as view/enquiry facility and/or funds transfer facility.
All the columns in the application are to be duly filled in and signature affixed in the
space provided for. In case the specimen signatures of persons authorized for Internet
Banking operation are not lodged with the Branch, the same may be obtained before
further processing the application form.
In respect of account operated by power of attorney holder/letter of authority holder,

the application for internet banking has to be signed by the account holder/s along with
PA/LA holder. Access is not permissible solely against the application signed by
PA/LA holder.
VI. ROLES / RESPONSIBILITIES AND PROCESSING AT THE BRANCHES
1. The Branch upon receipt of the internet banking application from the customer,
shall verify whether all the columns are duly filled in.
2. It must be ensured that KYC guidelines are complied with by the customer, before
extending the facility.
3. Correctness of the address mentioned in the application vis-à-vis in the Flex Cube
database shall be verified through Fast Path CIM09 (Mailing Address).
4. All eligible accounts of the customer should be enabled for Internet Banking in Fast
Path CH021.
5. In case of Joint Accounts the operation condition should be severally or any one.
6. In case the accounts of the same customer is spread across multiple customer
number within same branch or across different CBS Branches, the branch has to
change the customer number of the accounts through Fast Path CIM39 as per Core
Banking Group Guidelines No.56/2007 dated 05/07/2007 to ensure that all the
eligible accounts of the same customer merged under one customer number.
7. The email_id of the customer should be captured correctly against email_id box in
Fast Path CIM09 (Mailing Address)
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8. Mobile number of the customer to be captured with our country code 91 as prefix
against TELEX NUMBER box under Fast Path CIM09 (Mailing Address)
9. Branch shall assign serial number and enter the details of the application in a
separate register (Application forwarding register) maintained for this purpose. The
allotted serial number shall be written on the top of the application.
10. Note down the customer number of the applicant on the application.
11. Branch to verify the signature of the customer appearing on the application with
that of the specimen signature card and certify to this effect by officer in-charge.
12. In case of Corporate Customers, the application form shall accompany the
resolution/mandate executed by the corporate and duly verified by the Branch-in-
charge. The resolution/mandate should clearly spell out names and designation of
authorized users and powers vested with them for availing specific facility/ies under
Internet Banking. It should also clearly mention the work flow for initiation and
authorization of the transaction/s that are put through Internet Banking.
13. Branch in-charge shall recommend for net banking and the application form and
resolution shall be preserved at the Branch itself.
14. If for any reason/s, the application submitted by the customer is rejected at branch
level, the reason/s thereof should be clearly stated in the application itself under the
signature of the branch in charge. Such application/s is/are to be filed in the branch
itself. The customer should be appropriately informed.
SOME MODIFIED GUIDELINES IN INTERNET BANKING
Customers are initially enabled for Inquiry facility without activation.

The PIN Mailer shall be sent directly to the customers by Internet Banking Group,
DIT, HO, Bangalore.
After receipt of Acknowledgement Slip from the customer, Internet Banking Group
would be activating the customers for the facility.
 Funds transfer facility would be made available only against request of the
customer.
o The Passwords (containing both Login and Transaction Passwords) of the PIN
mailer shall be dispatched directly to the customer along with acknowledgement
slip directly to the customer through another reputed courier.
o On special cases, if the Branch requests Internet Banking Group, DIT Wing, HO
Bangalore for sending PIN mailer to them so as to ensure personal and prompt
delivery such requests are acceded to.
Branches for no reasons PIN mailer should not be dispatched by the branch
to its customers. The delivery of PIN should be only in Person.
II. FACILITIES AVAILABLE:
Net Banking – Retail:

a. View Options:
b. Query Options:
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c. Online Financial Transactions:
d. Other utilities (Proposed):
i. Online bill payments.
ii. Other tax payments.
iii. Online Ticketing.
iv. Credit Card Payments.
v. Viewing of Demat Accounts.
2. Net Banking – Corporate:
a. View Options:
b. Query Options:
c. Online Financial and Non-Financial Transactions:
d. Other Proposed utilities:
i. Tax payments
ii. Viewing of Demat Accounts.
Audit Area:
Whether branch is properly preserving the applications received for IMB facility.
Branches for no reasons PIN mailer should not be dispatched by the branch to its
customers. The delivery of PIN should be only in Person – Please check.
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CCMS
Corporate Cash Management Services (CCMS)
M/s Laser Soft Info systems Ltd, Chennai have developed a package -Profund to provide
Corporate Cash Management Service. Under this facility, customers can deposit their
cheques (both local and up-country) at the selected centers for collection. The proceeds are
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credited at the identified branch. Crediting of proceeds is not related to realisation of the
cheque but as per the option exercised by the customer ranging from Day -0 to Day -5.
Amount is credited to the accounts of the customers accordingly. Commission and Courier
charges are collected once in a month for the service rendered. Interest is charged for
advance amount (Day-O to Day-4) credited and also cheque returns.
Operating Centers receive the collection instruments and lodge them in LCC or UCC as
the case may be. The transactions are uploaded to the Hub, which receives the same and
pools the same. Pooling branches only receive the pooling advice and credit the proceeds
to the accounts of the customers.
The CCMS scheme provides for all facilities required by corporate clients, reduces cheque
collection time, and makes available funds to them as per their need and supplies MIS
reports as per the requirements. The scheme is fee based and party fund based .
CCMS PROPOSALS
Branches, operating centers and Relationship managers will obtain complete details from
the corporate as per prescribed application form. They shall also obtain information about
the volume of cheque collection of the corporate concerned during the previous 2-3 years.
If the Corporate is already enjoying such services from any other Bank, full details are to
be obtained. Such applications of CCMS should be forwarded to the competent authorities
at respective Circle Offices as per guidelines. Circle office will consider exposure limit
required, if any, in respect of instant credits, Credit against presentation in clearing at
drawee centers etc. Once the exposure limits are sanctioned, Circle offices will forward the
copy of the sanction proceedings to P & D wing, HO along with their recommendations
for suitable service charges. P&D wing, Ho will fix rates of service charges, handling
charges etc. Any exposure limit beyond circle office powers will also be considered by P
& D wing, Head office.
FCS SCHEME IS MERGED WITH CCMS SCHEME W.E.F 01.08.2003.

The facility is offered in the following manner: -
01. CCMS HUB Centre at Head Office. Bangalore
a) Sanctioning of limits based on recommendations from branch and Circle Office.

b) Pooling of funds received from Operating Centers
c) Sending Credit Advices to Pooling Branches
d) Maintenance of the master data, modification and updations of master data in all the
Operating Centers.
02. Operating Centre
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a) Receiving collection instruments -both LCC and UCC from the customers who are
enjoying the facility in the respective Operating Centers.
b) Lodging the instruments either in LCC or UCC and dispose the same accordingly -
Clearing in case of LCC and dispatch by courier in case of UCC.
c) Upload the lodgment details to Hub centre through Can-Mail.
d) Handle the Return instruments and send the details to the Hub Centre.
03. Pooling Branch

a) Download messages through Can-Mail.
b) Generate report on the basis of the mail received and credit the amounts to
the accounts of customers.
INSTRUMENTS COVERAGE
1. Under branch ID only outstation instruments of Rs.7,500/- and above

2. For direct customers there is no stipulation of minimum amount.
HO CIR 76/99 & 141/03 to be referred.
AUDIT AREAS :
Consent letter obtained from the branch to be verified who is an availing CCMS facility.
Check whether branch is collecting the Commission and Courier charges are to be collected
once in a month for the service rendered.
Check whether interest is charged for advance amount (Day-O to Day-4) credited and also
for cheque returns.
Check the exposure limits fixed by the circle office for CCMS party.
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DDiSYS
DD INFORMATION SYSTEM – (DDiSYS) PACKAGE
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The Web based DD information package, DDiSYS, was introduced vide HO Cir 205/2003
dated 19-09-2003 as a tool to prevent DD related frauds. The package works on a simple
logic. i.e., all the branches and Accounts Sections in the corporate network have to upload
the DD data to a centralized server and this centralized server can be accessed by any of
the paying branch or Accounts Section which are also on the corporate network, to verify
the current status of the Demand Draft presented for payment to ensure its authenticity and
exercise care to protect the interest of the bank and prevent DD related Frauds. The package
is a web based one and hence it can be accessed from any of the PC on Corporate network
without installation of any additional programs in it. Our branch software also has an option
to generate the DD data on daily basis for uploading into DDiSYS package.
Though the package is a very good tool to prevent frauds, it’s success lies in upload of DD
data ON A DAILY BASIS by all the branches and Accounts Sections.
It is mandatory for all the branches/ offices and Accounts Sections in the Corporate
Network to upload the DDiSYS data on a DAILY BASIS to the web based DDiSYS
package.
DDiSYS is a web-based DD Information System. It is a decision support tool which has

following features:-
• Immediate availability of DD Info data

• Provides on-line query before making payment of DD
• Tool for fund’s management for DDs payment
• Helps in preventing frauds
• Alerts users for DDs paid without issue details on each login
• Provides facility for updating of duplicate DD issued status instantly
• Data download option to branches and Account sections
• SAMBA DD coverage
• Provides for maintenance of Missing / stolen DD details
• Close monitoring at DDAR section, HO
• It has the scope for extending to DDAR reconciliation
This application can be accessed through leased lines or through Intranet. The users of this
application are computerised branches where DD module has been implemented, Accounts
sections and Centralised administrative unit (DDAR section). If DD module has not been
implemented in any computerised branches, they can very well use this application, except
upload data facility, for querying purpose.
Menu Options available:
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• Upload data
• Download data
• Query
- DD details
- DDs yet to be paid
- Outstanding Paid details
DDs Issued
• DDs Paid
• Exercise caution
• Duplicate DD ~
• Missing leaves
• Help
• Home
For HO
• Paid outstanding DDs.
• Data uploading status
• Log monitoring.
It is very essential that the data available in the DDiSYS package is brought up-to-date and
henceforth always to be maintained up-to-date.
1. On 4-05-2007, as one time measure, DDAR Section will upload the previous 6
months DD outstanding data to DDiSYS package.
2. All networked branches / offices / Accounts Sections to start uploading DDR data
to DDiSYS package on DAILY BASIS beginning from 04-05-2007. By this date,
all the networked branches have to get their branch / staff enlisted in the system
through DDAR Section-HO. (CBS branches need not update the DD data,
DDAR section is uploading the data on behalf of CBS branches)
3. For monitoring and to ensure regular and proper upload of DD data by branches /
offices / Accounts Sections to the DDiSYS package, the section at the COs will be
given access to the package
4. The DDAR section, HO will be monitoring the status at the Apex level and take
appropriate steps for popularizing the usage of the package as desired by the
C&MD.
Audit areas
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.
 Whether branch is uploading the DD data on a Daily basis to the web
based DDiSYS package and the same is monitored and ensured by the
branch manager or not.
 Whether branch is verifying the current status of the Demand Draft

presented for payment to ensure its authenticity and exercise care to
protect the interest of the bank.
 Inspectors may verify the any Missed/Stolen DD details if any updated

by the branch for correctness.
Refer circulars 205/2003 and 106/2007.
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Any Where
Banking
Any Where Banking

This software package was developed by INFOSYS with ORACLE as database and Visual
Basic Version 6.5 forms as front end. This package is aimed at facilitating transaction
between different branches so that customers of one branch can draw cash, deposit cash,
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transfer funds, obtain DD, and other facilities in any of the recognised Anywhere Banking
branch.
Anywhere Banking Technical Architecture:
All branches are provided with PC with Windows Operating System and DOS operating
System and Partition as: C:\ 2GB, remaining as D partition.
The PC is connected to the Branch LAN and used for Anywhere Banking and other
standalone packages are also ported in the same PC.
AWB main server is placed in DIT Wing, Naveen complex at Bangalore and the same is
connected through Bank’s network to various centres through routers, located in different
Circles/Centres.
GENERAL USER GUIDELINES
Originating Branch:
The branch where the customer has approached to avail the Anywhere Banking facility
(AWB).
Destination Branch:
The branch where the customer’s account is maintained.
General Validations:
 The branch, at where AWB transaction is taking place, should be either originating
branch or destination branch.
 Same Branch transactions are not allowed through AWB.
 Transactions shall be effected only when Beginning of the Day date [BOD] is same
for both originating and destination branches. DPCODE shall be used to identify a
branch.
Appropriate messages shall be displayed if transactions are not effected due to
01. Non-availability of connectivity,

02. Non-availability of the destination branch server,
03. Insufficient balance,
04. Post dated cheque etc.
The AWB package provides following facilities:

a) Cash deposit
b) Cash withdrawal
c) Fund transfer
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d) Issue of DD
e) Balance enquiry
f) Mini statement
g) Cheque Book / Statement Request
h) Signature display
i) Reports of AWB
j) Admin option
k) End of Day (EOD)
l) Exit.
The following reports are available in the Package:

1. User created modified and deleted reports.
2. Successful transactions report.
3. Failed transactions report.
4. Pending transactions report.
5. Un-dispatched transactions report.
6. Transactions for a day report.
7. Non financial transaction report.
Admin option:
Admin option for User administration i.e., Creation/Deletion of user profiles in Anywhere
Banking Package is available for designated official in the branch.
The user Manager is to be created by ADMIN user and rest of the users to be created by
the Manager.
For details, please refer HO Circular 133/2002 and CPPD guidelines: CPPD/ 7199/ AWB/
307/ F-479/ 2003/SAM dated 1-7-2003.
Anywhere Banking Audit Areas
 Inspecting Officer should check the genuinity of the transactions affected in the
Anywhere Banking Package on a random basis
 Ask branch user to login to AWB Package and go to reports option and opt for
Successful transactions report. Give the dates of your review period. Check these
transactions with the day book slips on a random basis.
 Ensure that EOD and BOD are being opted by the branch on day to basis invariably.
 Check whether branch is collecting Commission/Service charges for the AWB

transactions made by them as per HO Circular 13/2008. AWB system will not
collect the Service charges automatically. Branches have to collect manually for
the transactions made in AWB facility.
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 Take the successful transactions report as above for the review period and check
whether the service charges are collected for the transactions or not.
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ATM
ATM-CUM-DEBIT CARD
The ATM-CUM-DEBIT card holder, can access his account all the 24 hours a day 7 days
a week. The card can be used at our ATMs as well as at other Bank ATMs and at Merchant
locations (Point of Sale machines only) displaying the VISA logo.
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Our bank has gone in for a tie-up with VISA International, for issue of VISA Electron
Debit Cards, taking into account the benefits that would accrue to our customers.
Facilities Available
Transactions through our Bank ATMs/Other Bank ATMs

Purchase of goods and services at POS Merchant Establishments
Cash withdrawal through our Bank branches/Other Bank branches where EDC terminals
are installed
Value added services available through our ATMs

.
Mobile Topup
Mobile Topup through SMS
Cheque Deposit
Airline ticketing
Visa Money transfer
Railway ticket booking
Railway Kiosk
Internet purchase through debit card
Types of Accounts:
SB/CA/OD accounts in the name of individuals as well as joint accounts(operated

severally)
Eligibility:
All SB, Current and OD account holders including NRIs, employees and ex-employees
DEBIT CARD AS GLOBAL DEBIT CARD
All our Debit cards are compatible for Global usage, now.
Card usage in Global Debit cards are to be strictly in accordance with the Foreign Exchange
control Regulations in force and the onus of compliance of FEMA guidelines is on the
cardholder.
A suitable notice highlighting the above aspect may be displayed prominently on the Notice
Board and ATM room.
Branches have to take "Application for Debit cards (NF 958)" while issuing Debit Cards,
till the revised "SB/Current Account Application Form (NF 101) incorporating the clause
regarding FEMA Guidelines is received & used for opening SB/Current Accounts. Besides,
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while issuing Debit cards in all existing Current/SB accounts, Branches have to take NF
958 (Application for Debit Cards) without fail.
WEB BASED DEBIT CARD PACKAGE TO APPLY FOR DEBIT CARDS
Automated facility is developed to enable the branches to place their indents

electronically on Intranet itself, so that the data is processed without manual intervention
and the process is hastened.
The users at Branch level would access the application through Cannet – Single Sign on
using their passwords. Once the data entry has been done, it has to be verified by an
Officer/Manager, who has been given access to the software. Required validations have
been incorporated to ensure correctness of data flow. This data is stored in a centralized
server at Card Division. Card Division can access all verified records and will do further
processing to generate the card.
HANDLING AND CASH TALLYING OF ATM BY BRANCHES
The physical verification of cash in ATM shall be done as part of cash closing activity
at the branch daily and at the time of replenishing of cash during the day. Balance
cash left in ATM safe shall be verified / tallied against the balance shown in ATM
Journal Printer and Admin transaction receipt. In addition, physical cash in ATM shall
be tallied with branch system (day book) cash daily without fail.
1.1 ATM Branch has to maintain a separate ATM Cash Register. This Register is
to be maintained by the Officer designated for ATM functions.
1.2 Cash held at ATMs and its operations are to be supervised by Officer designated
for ATM functions along with the Manager, i.e. operations shall be under dual
control.
1.3 Cash required for ATM should be taken out from the double lock by Supervisor
in-charge of Cash duly recording in the double lock register(NB 26) separately in
another column. The same is to be authenticated by obtaining the signature of
the key holders of ATM in the double lock register (NB 26). The cash taken out
from double lock should be simultaneously recorded in the ATM Cash Register
and loaded/deposited immediately into the ATM Chest.
1.4 A continuous watch is to be kept on the Cash Balance in ATM and whenever a
need arises for replenishment of cash, the same has to be replenished by
following similar procedure. At the end of the day the cash position has to be
necessarily reviewed and cash replenished. For ascertaining the details of cash
held by ATM, a print out of Cash balance can be generated at any time in ATMs
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1.5 The physical verification of cash in the ATM shall be done as part of cash
closing activity at the branch daily and at the time of replenishing of cash during
the day. Balance cash left in ATM safe shall be verified against the balance
shown in ATM Generated report on Journal Printer. However, once in a
month, on a surprise basis balance cash held by ATM has to be physically
verified against ATM generated report (JPT) by the Manager and once in a half
year by the Chief Manager also in case of VLB. In ELBs, monthly
verification of cash has to be done by a functional Manager (other than the one
handling cash). The Senior Manager of the branch, in ELBs, may do the
surprise verification of ATM Cash, once in six months. The Cash balance at
the branches includes ATM Cash as well. Hence, verification of ATM Cash
should be along with Monthly/half-yearly surprise verification of cash as per
Manual of Instruction on cash.
1.6 Just before closure of business hours the ATM Officer has to verify the Cash
balance in the machine, especially on the eve of public/continuous holidays and
has to ensure that the ATM will not close down on account of shortage of cash
in the ATM Chest during intervening period.
1.7 The ATM Cash balancing shall be done every day as per the work sheet in
Performa ATMC 14. A copy of the work sheet along with NF 238 (ATM
summary sheet for daybook head wise totals) is to be handed over to the main
cashier for noting in the cash abstract and arriving at the consolidated cash
holding of the branch at the end of the day. The work sheet is to be preserved
in a separate file and kept in double lock.
DAILY SERVICING AND ATM CASH TALLYING:
ATM is a mechanized Teller of the Branch and ATM cash is part and parcel of the branch
cash balance. Hence tallying of ATM cash daily and reporting of difference in ATM cash
in PRR 14B is mandatory. Ref HO.Cir. 213/03 dt. 29/09/03)
OBJECTIVE OF DAILY SERVICE AT ATM
1. To list the transactions and cash totals for the day
2. To clear the counters for the day (initializing the counters to 0).
3. To tally physical cash with Journal print totals.
4. To tally Physical cash with Branch ATMC/CHATM/GLMO4 head (B2K,

IBBS, CBS as the case may be).
5. Replenish cash and supplies (Stationery).
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6. Perform admin transaction as per HO Cir. 72/07 dt. 09/03/07 without fail to
populate the cash totals in switch database.
HOW TO TALLY ATM CASH :

ATM will not check the total no.of notes kept in the machine. Values are entered in the
ATM manually by the ATM custodian while performing Daily Servicing. ATM picks a
note from each cassette and puts the same in Purge Bin or Reject Bin at the time of Daily
Servicing. There are 3 variables to tally ATM Cash:
 Physical Cash in ATM machine

 Balance shown in the Journal Printout
 ATM Cash balance as per System ATMC/CHATM/GLM04 (Day book)
1. Put the ATM in SUPERVISOR mode

2. Note down the ATM Cash in your system (Day book).
3. Tally physical ATM Cash with the JPT totals for the Day.
4. JPT “REMAINING” totals should tally with system ATMC/CHATM/GLM04.
REPORTS FOR CASH TALLYING
The branches have to file and preserve the following reports:
The Journal Printer is the authentic document for ATM cash dispensation and it has to
be treated as Cash Paid Instrument. All clauses applicable to “Paid instrument” of branch
shall be applicable to Journal Printer of the ATM also.
Any difference in Physical Cash with branch system cash shall be reported in PRR 14B as
per HO.Cir.NO. 213/03 dt. 29/09/03. The custodians/branch officials shall put their efforts
to tally the ATM Cash on daily basis.
IBBS branches:
1. ATM 330 – Failed Transaction Report
2. ATM 570, DBC 570 – Mini-waste (compare JPT with this report or CMT295,
if there is any difference between JPT and system cash)
3. ATM 560 & DBC 560 – ATM/DBC Transactions report (additional reports)
4. ATM/DBC 580 – ATM/DBC transaction log
5. Wherever 2 ATM Cash points are there, take a print out and preserve
1. ATM295
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2. ATC320
Core Banking System branches:
1. AT600 – Failed Transaction Report
2. 1060 - for posting cash loading to ATM.
3. GL 008 – for generation of ATM cash posted transactions
4. GLM04 – to know the cash dispensation for the day as of now
5. ATM transaction report under Business Objects option – to know the credit
entries to Cash GL (to compare with JPT cash dispensed entries)
6. AT005 & AT006 – to get the details of card number, account number and
sequence number of the ATM transactions.
7. AT601 – for inter branch transactions.
Problems specific to IBBS platform :
If the customers account is " Attached / Blocked " by the court order or for any reason, the
branch application prevents debits to the account and hence ATM will not dispense the
cash during "ON-LINE" transactions.
But it is observed that account balances are uploaded to the ATM switch room after the
end day can be drawn by the account holder at any of the ATM outlet. This is because "
OFF-LINE" transactions do not have any control to prevent debits to the "attached or
blocked" accounts.
When transactions are uploaded to the branches during the day beginning, the branch
application prevents debits to the account as the same is attached or blocked. Hence system
will generate a 'failed transactions' list which has to be manually debited to the customers
account or recovered from the customer. Branch has to take immediate steps to "hot list"
the card and delink the account for the ATM card. This will prevent transfer of account
balances to ATM switch room.
The problem is balance is transferred every day to ATM switch room and the customer can
draw the amount every day during "off-line" hours. The system goes on generating the
failed transaction every day without debiting the account and balance always remains in
the account.
Audit areas
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Branches are required to link the cards only at the time of delivery the card to
the customers. Instead branches are linking the cards once the cards are received from Can
card Centre. If the cards are lost (Before delivering to customers, misuse cannot be
prevented)
ATM Cash held at ATMs and its operations are supervised by Officer designated for
ATM functions along with the Manager, i.e. operations shall be under dual control.
Cash required for ATM should be taken out from the double lock by Supervisor in-charge
of Cash duly recording in the double lock register(NB 26) separately in another column.
The same is to be authenticated by obtaining the signature of the key holders of ATM in
the double lock register (NB 26). The cash taken out from double lock should be
simultaneously recorded in the ATM Cash Register and loaded/deposited immediately into
the ATM Chest.
Daily servicing of ATM should be done by the branch. ATM is a mechanized teller of the
branch and ATM cash is part and parcel of the branch cash. Hence ATM cash tallying to
be done on daily basis.
Whether once in a month, on a surprise basis balance cash held by ATM has is
physically verified against ATM generated report (JPT) by the Manager and once in a half
year by the Chief Manager also in case of VLB. In ELBs, monthly verification of cash
has to be done by a functional Manager (other than the one handling cash). The Senior
Manager of the branch, in ELBs, may do the surprise verification of ATM Cash, once in
six months. The Cash balance at the branches includes ATM Cash as well. Hence,
verification of ATM Cash should be along with Monthly/half-yearly surprise verification
of cash as per Manual of Instruction on cash.
Whether branch is accounting the differences if any in ATM cash and tallying the cash
with out fail and reporting it in PRR14B
The Journal Printer is the authentic document for ATM cash dispensation and it has to
be treated as Cash Paid Instrument. All clauses applicable to “Paid instrument” of branch
shall be applicable to Journal Printer of the ATM also. Hence check whether Journal print
is properly preserved by the branch or not.
As our Debit cards (including existing Debit cards) are enabled for global use now,
Branches has to ensure that Debit card Application (NF 958) containing the clause binding
the cardholder for compliance of FEMA guidelines is obtained in respect of all Debit cards
issued by them.
Failed transaction report to be generated for the review period and to check whether the
valid transactions are debited to the respective accounts or not. (ATM330 in IBBS and
AT600 in CBS)
ATM-cum-Debit applications obtained by the branch to be checked
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Check the Physical availability of undelivered ATM-CUM-DEBIT cards to be checked
with the Balancing taken by the branch along with PIN mailer.
Whether branch has kept any ATM differences amount in SL head etc. to be checked.
Check whether undelivered cards along with PIN mailers are kept together in a tray and
this is not kept secure.
Whether branch is maintaining any record for the request letters from ATM card holders
for linking up to a maximum of four accounts and also copies of the letters from the branch
duly signed by an authorised signatory with S P number to ATM switch room.
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CANMAIL
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CORPORATE MAILING SYSTEM (CANMAIL)
Electronic Mail or more popularly known as E-mail is a very fast and cost effective means
of personal communication. This has revolutionized the field of correspondence and
communication. E-Mail has facilitated instant communication of messages -be it official
or personal thereby reducing the dependence on snail mail or traditional method of mailing
- writing letters and sending them through Post or Courier. The advantages derived by
using e-mail facility have made people from all walks of life to adapt to this technology.
CanMail is our Bank’s corporate mailing system through which we can send/ receive mails
within our Bank and to/ from internet. The Gateway Server at DIT Wing will receive all
incoming Internet mails from IDRBT and route the same to respective mail Servers
installed at DIT Wing-Head Office (A), all Circle Offices and International Division,
Mumbai. Two gateway servers (one as primary and the other fault tolerant load balancing)
are installed at DIT Wing, Naveen complex. Implementation of E Mail is monitored by
Network Communication Group, DIT Wing, Head Office, Bangalore.
Considering the advantages of Linux over all other operating systems for its stability,
security, performance and reliability, RedHat Linux 8.0 as the Operating System for the
Mail servers. Anti virus software will be installed at each mail server and also at Gateway
Server so that all mails (both incoming as well as outgoing) can be scanned.
IDRBT will directly forward all mails pertaining to our bank to our gateway server at DIT
Wing. This gateway server will forward the mails to the respective mail servers located at
different circle offices by identifying from the local part of the e-mail address. A database
will be maintained for all the mail accounts that will contain the local part and its respective
mail server IP Address.
The staff working in Regional Offices, branches/service units which are connected to
Corporate WAN through Leased Line/Dial-up can access their mails from the Mail server
at respective Circle Offices.
Our corporate WAN backbone will be used to send and receive mails. MTA (Mail transfer
Agent) is configured in such a way that the mails will route through Leased Line. VSAT
network will act as the secondary for the mails. Mails to IDs with domain part other than
canbank.co.in (to internet. Eg. abc@yahoo.com, xyz@hotmail.com,
hoisaudit@canarabank.co.in etc) will be routed to Mailserver IDRBT . Mails to IDs with
domain part canbank.co.in will be delivered locally or will be send to Gateway server at
DIT Wing depending on whether the e-mail id is a local one (in the same server) or in a
different mail server. Gateway server will route the mail thus received to the respective
mail server by looking at the local part of the ID and detecting the IP address of the server
to which mail is to be delivered.
The following are the types of E-mail IDs configured for branches/offices/individuals.
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 Name ID (Demi-Official ID) for Officers & Managers of Administrative units
 Name ID for Executives
 Designation ID for Executives
 Official ID for Section/Department/Wing
 Branch ID for Branch in-charge
 Branch ID for Application is being used for Customers services.
 Display name of each ID should be as per the address book/record of the bank.
The types of Email IDs will be provided as per the e-mail policy of the bank. Official (eg:
hoisaudit@canbank.co.in, agminspplanning@canbank.co.in) and demi-official (eg:
staffname@canbank.co.in). Since the Outlook Express is available with windows
operating system, Outlook Express is sued as front-end tool for our Corporate Mailing
System.
E-mail provides two important service portfolios:

(1) Messaging Services
(2) File Transfer Services
Messaging services can be in the form of:

(1) Correspondence between branches / offices
(2) Correspondence with customers like NRls
(3) Messages connected with trouble shooting, software/ hardware problems
The File Transfer services can be for:

(1) IBAR/DDR/ ALM summary data
(2) Statements like RBI/FLASH/RBS
(3) Establishment related data like salary input, SPF, SWF
(4) Adhoc programs, patches, updates etc
All Inspecting Officers are permitted to have demi-official Corporate E Mail ID i.e., in
their personal name. For creation of Corporate E Mail ID for Inspecting Officials, the
request shall be forwarded through respective Zonal Inspectorate to the concerned Circle
Office where the Inspecting Official is stationed/placed.
E-MAIL USAGE
With regard to usage of Corporate E Mail, branches/offices/users have to ensure the
following:
01. Mail box is to be checked daily at regular intervals to download the messages from
the mail box.
02. Send / Receive option can be automated in respect of corporate mail so that mails
(if any) are downloaded at regular intervals.
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03. If mails are not downloaded, mail box gets full and subsequent mails will be
returned to the sender with the remark -”insufficient quota”. May be you lose some
important communication or a good business proposal or even a very good account.
04. Mails received are to be acted upon immediately. The more prompt you are, more
will be the response from the other side which in turn will save your valuable time
on paper work.
05. Users should keep their mail-id password protected and maintain password secrecy.
Password should be changed at regular intervals.
06. Users should desist from sending lengthy / bulk mails containing attachments with
huge bytes. It may choke the network. This renders the e-mail facility to become
snail-mail.
07. Never open mails which do not seem to belong to you. It may be spam or may
contain viruses. Straightaway delete these mails. Users can also ‘block’ these mail-
ids.
08. Users have to pay attention to ‘virus alert’ messages and take immediate action.
Prevention is better than cure.
09. Ask users to keep the Anti-virus up-to-date. Ensure that latest updates are installed.
10. Advise the users to keep their Inbox and Outbox trim. Delete all unwanted items
and move important mails to secure folders. Keeping a printout of important
messages will be helpful in future. Also, empty the ‘Deleted Items’ folder
frequently.
11. Advise users not to send any confidential information via email without having
proper security like Digital Signature, Public Key Infrastructure (PKI), encryption
& decryption methods of the file etc.
As per our Information Security Policy, usage of the electronic mail system is reserved
solely for the conduct of business within and outside on behalf of the Bank. Our corporate
mailing system prohibits the following:
1. Creation or transmission of any offensive, obscene or indecent images / data, or the

material, or any data capable of being resolved into obscene or indecent images or
material.
2. Creation or transmission of material that is abusive or threatening to others, or

serves to harass or bully others.
3. Creation or transmission of defamatory (insulting) material.
4. Creation or transmission of material that includes false claims of deceptive nature.
5. Use of impolite terms or language, including offensive or condescending terms.
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6. Activities that violate the privacy of other users.
7. Criticizing individuals, including distribution of copies to other individuals.
8. Creation or transmission of anonymous messages without proper identification of

the sender
9. Unauthorized transmission of confidential material concerning the activities of

Bank to a third party.
10. Transmission of material, which infringes the copyright of another person including
intellectual property rights.
11. Unauthorized provision of access to Bank’s email services and facilities to third
parties.
12. Activities that unduly affects the staffs’ efforts, network resources or activities that
unreasonably serve to deny service to other users.
13. Activities that corrupt or destroy other users' data.
14. Activities that disrupt the work of other users.
15. The forwarding of chain letters, junk mail, jokes and executables is strictly
forbidden.
Please refer IT Security Policy of our Bank and HO Circular 170/2008 for more details.
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SWIFT
SWIFT
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(Society for Worldwide Inter bank Financial Telecommunications)
Canara Bank is a member of SWIFT network and operations are routed through SWIFT
Centre, International Division, Mumbai. International financial messages are sent using
SWIFT network by Branches. SWIFT Gateway in Mumbai is connected to the CBT
(Computer Based Terminal) at our International Division, Mumbai.
The PC Connect Software Package connects the branches to this CBT at ID by way of
dial-up line. Messages emanating from branches are uploaded to ID CBT. Branches have
to down load the messages pertaining to them through PC Connect package. Messages of
financial nature – MT 103 are scrutinized at ID by SWIFT officers before they are routed
to avoid delay due to wrong destination etc.
The PC Connect software package is procured from SWIFT and periodical up-gradations
/ enhancements are also received from them. Implementation part only is taken care of by
the ID EDP, International Division, Mumbai. The present version is 3.12 and released
during October 2007.
1. Outward SWIFT message register is to be maintained with full details like Date
sent, Serial number, Receiving Bank, Message type, Reference no., Currency and
Amount, Session and sequence number of acknowledgement / reasons for not
getting acknowledgement, full signature of the persons who created, verified /
rejected / cancelled, approved etc.
2. A rubber stamp bearing columns such as “Date, Created by, Verified by and
Approved by” should be affixed on the back paper of the concerned outward
message printout and respective officials should sign on the same. This will ensure
dual control on outward SWIFT message.
3. For outgoing MT-103 and MT-202 messages a manuscript should be prepared

containing full details and should be signed by two officials and it is to be treated
as ‘Authorisation’ to send such financially sensitive messages. This manuscript is
to be serially filed at SWIFT section of the branch / FD. It may be noted that
preparing the manuscript is a mandatory requirement for outgoing MT-103
and MT-202 messages.
4. The serial number of the day for the message and the session number and sequence
number of the Acknowledgement are to be written prominently on this manuscript
after receipt of Acknowledgement from SWIFT, so as to avoid sending a duplicate
message basing on the same manuscript.
5. Inward SWIFT messages Register should be maintained with full details like
session number, sequence number and message type of all Inward messages.
Acknowledgement from the concerned section / department should be obtained in
the register.
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6. Whenever a duplicate inward message is printed for reasons like original message
not printed properly, paper jam etc., the SWIFT-in-charge should authenticate the
duplicate copy as ORIGINAL with his full signature (duplicate copy is printed as
“User Requested Copy”).
7. Whenever a duplicate inward message is required, concerned section / department

should request the SWIFT-in-charge in writing. The SWIFT-in-charge should affix
a rubber stamp across the duplicate message as “Avoid Duplication” and
authenticate the same with his full signature.
8. Branch / FD should not generate a duplicate print out of the ACK

(acknowledgement) for the customer. Instead, branch /FD should give only a
photocopy of the ACK message to the customer, duly marking as TRUE COPY.
9. Whenever inward messages not pertaining to the branch / FD is received, SWIFT-

in-charge should inform the SWIFT centre at ID, Mumbai with full details with
confirmation that they have not executed or acted upon the said message. Details
are to be recorded in the inward SWIFT messages register.
Audit areas
1. Verify the maintenance of inward and outward messages registers.
2. Check whether branch is preparing the manuscript for outgoing MT-103 and
MT-202 messages.
3. Check the inward messages received and verify correct amount is credited to the
account specified in the message.
4. Check the outward messages sent and verify whether concerned account is
debited with the amount specified in the message or not?
5. Duplicate inward messages printed if any are handled as per guidelines
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SFMS/RTGS
/NEFT
183
SFMS/RTGS/NEFT
Structured Financial Messaging System (SFMS) is a secure and common messaging
solution provided to serve as a platform for intra-bank applications. It is a SWIFT – like
Messaging System to fulfill the needs of domestic financial messaging. SFMS can be used
practically for all purposes of secure communication within the bank and between banks.
Presently, except RTGS, SFMS is used for intrabank trans only SFMS has a number of
special features, it is a modularized and web enabled software, with a flexible architecture
facilitating centralized or distributed deployment. The access control is through Smart
Card/E-Token based user access and messages are secured by means of standard
encryption and authentication services.
SFMS /RTGS/NEFT includes the following features:
- Creation of message as per the message formats published by RBI

- Communication of messages created from one end to another
- Security features such as Authentication, Message Integrity, Non-repudiation and
encryption at each node in the message path
- Facilities to provide reports at all nodes in SFMS
THE BASIC DIFFERENCES ABOUT SFMS, RTGS & NEFT ARE :
SFMS
SFMS is a software package which enables the transmission of financial messages both
intra-bank and inter-bank. Presently, SFMS is confined to transmission of financial
messages intra-bank only.
SFMS is a messaging protocol system.
SFMS provides a host of structured message templates and need not necessarily result
in a payment.
SFMS is a tool to inter-connect branches with structured messaging system.
RTGS
The Payment and Settlement system is an essential part of the financial system of a
vibrant economy. RBI has launched the Real Time Gross Settlement (RTGS) system
for setting up of the integrated payment and settlement system in the country. M/s.
Logica CMG has developed the RTGS software, which RBI is providing to all RTGS
members.
RTGS is a payment and settlement system.
RTGS-PI (Participant Interface) is at the Payment Gateway (single gateway) of a

member bank.
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RTGS is essentially an inter-bank settlement system.
RBI manages RTGS System.
RTGS transaction finally results in a settlement at RBI.
TRANSACTION LIMIT (RTGS)
Minimum amount of funds transfer is Rs.1,00,000/-
NEFT
RBI has launched the National Electronic Funds Transfer (NEFT) system which rides on
the SFMS.
NEFT System” means the National Electronic Funds Transfer System established for
carrying out inter-bank funds transfer within India through NEFT centres connected by
a network and providing for settlement of payment obligations arising out of such funds
transfers, between customers of participating banks or institutions.
The parties to a funds transfer under the NEFT system are the sender, sending branch,
Service branch of Sending Bank (Mumbai Clearing section for our Bank), the RBI NEFT
Centre (National Clearing Cell, RBI, Mumbai), beneficiary bank and the beneficiary.
All incoming payment messages will be received by Clearing Section Mumbai and
payment instructions will flow in the form of messages.
TRANSACTION LIMIT (NEFT)
There is no limit for transactions under NEFT.
Functions provided by the SFMS application are listed below

 Create Message
 Verify Message
 Authorize Message
 Authorize Test Message
 List and View Message
 User administration
 Create test message
 Verify test message
 List and view incoming message
 List and view test message
 Demand report
 Scheduled report
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 Internal Routing
 Multicasting
 File Application
 File Upload
 File download
 Failed message processing
PROCEDURAL GUIDELINES
 All the net worked branches and offices (CBS / IBBS) have to send all IBAs of
 Rs. 50 lakhs and above through SFMS only.
 HO credit advices (IBAs) of Rs 50 lakhs and above should be sent through SFMS
after verifying that the receiving branch is also SFMS enabled. No physical IBAs
are generated. The SFMS print out at the drawee branches itself is to be treated as
IBA and Message User Reference No (MUR) is the IBA number. ( 167/06 )
 All the IBAs of Rs 50 lakhs and above irrespective of the nature of transaction
(BAR / TT confirmation / Funds Remittance / Tax collection / Salaries etc) are
covered for this purpose.
 SFMS messages received at the responding branch should be opened and the IBA
responded on the SAME DAY.
 SFMS messages not pertaining to the branch should not be kept pending under any
circumstances and should be sent back to the originating branch by creating a new
message after passing necessary accounting entries.
 Branches brought under the SFMS scheme should start using the system from the
date of enabling the branch for SFMS.
Mandatory use of electronic mode of payment for large value transaction for
specific category of entities – reduction in threshold limit from Rs. 1 Crore to Rs.
10 lakhs
Reserve Bank of India has reduced the threshold limit from Rs. 1 Crore to Rs. 10 lakhs
with effect from August 1, 2008.
Rs. 10 lakhs and above transactions are mandatorily to be routed through electronic
payment mechanism (RTGS/NEFT) for the following type of transactions:
a) All payment transactions of Rs. 10 lakhs and above between RBI regulated entities
such as banks, primary dealers and NBFCs
b) All payments of Rs. 10 lakhs and above in RBI regulated markets such as money
market, Government securities market and foreign exchange market
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SFMS for sending all the IBAs in respect of the following items through SFMS
irrespective of the amount involved;
OSC / FOSC / OBC / FOBC / OTHER COLLECTION ITEMS
( HO transaction code – 34 to be used)
BILLS PURCHASED & DISCOUNTED ITEMS LIKE CDB, SDB, FCDB, FDB ETC.
REALISATION OF BARS
( HO transaction code – 74 to be used for items 2 and 3)
The branches / offices have to correctly choose transaction codes while sending IBAs under
SFMS as the physical advices will not be printed when transaction codes 34 or 74 is used.
HO credit advices (IBAs) in respect of the above items should be sent through SFMS after
verifying that the receiving branch is also SFMS enabled. No physical IBAs are generated.
The SFMS print out at the drawee branches itself is to be treated as IBA and Message User
Reference No (MUR) is the IBA number. For details refer HO cir 167/06 dated 5.6.2006
OTHER GUIDELINES
a. It is the responsibility of transferor branch to ensure that message has been sent to
correct destination branch with correct details such as Account No., IBA No, Date,
OSC/CDB/BAR No, Name of beneficiary, Amount, etc.
b. If details available in the message are incorrect, then such messages should not be
acted upon. The sender branch should be contacted and correct details to be collected and
acted upon.
c. In case the message does not pertain to the branch, they have to respond the IBA and
return the funds by creating a fresh message to the transferor branch immediately giving
their earlier message reference and reasons for resending the same under narration (Field
No : 72). The following accounting entries are to be passed.
a. Debit HO (Originating Branch)
b. Credit HO (Originating Branch)
The new IBA number should be invariably mentioned under the MUR column.
d. If the transferor branch immediately after transmitting message comes to know that
the message has been sent to wrong branch, they should immediately take up the matter
with the branch and request them to send the funds back .
e. In any case, if a branch has received an IFN202 message, they have to respond the
message immediately by debiting HO and crediting to respective account or back to HO
as the case may be.
f. In case of Possible Duplicate Emission (PDE), apart from choosing the PDE
notification by the sender, the sender has also to add in the body of the message (in the
free text area) that it is PDE and therefore to exercise caution.
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g. At the sender branch, when a sender gets a non-delivery warning, the sender has to
initiate necessary steps to ensure that message gets delivered. In case message remains
in "SENT", "TO BE SENT" or "ACKNOWLEDGED" status can be taken up with
SFMS Help Desk, DIT Wing, HO for doing the needful in the matter.
h. When a test message is received, it appears prominently in the message heading
"RECEIVED TEST MESSAGE” and it appears only under listing of test messages. Test
messages should not be acted upon at destination branch.
i. Messages received from other than our own branches/offices (Sender IFSC Code
should start with “CNRB”) should not be acted upon unless there is a specific instruction
in this regard from Head Office.
RTGS/ NEFT Service charges (288/08)
a) Inward RTGS/NEFT transactions - free, no charge to be levied.
b) Outward transactions -
(i) RTGS – Rs 1 lac to 5 lac - Rs 25/- per transaction

Above Rs. 5 lac - Rs 50/- per transaction
ii) NEFT - Up to Rs 1 lac - Rs 5/- per transaction

Above Rs. 1 lac - Rs. 25/ per transaction
Circle Heads are permitted to sanction free-of-charge remittance facility for select
accounts.
On Weekdays - 6 Settlements
Sl Batch Timings Cut off Time for sending
No outward NEFT messages
1 0900 AM 0845 AM
2 1100 AM 1045 AM
3 1200 Noon 1145 AM
4 1300 PM 1245 PM
5 1500 PM 1445 PM
6 1700 PM 1645 PM
On Saturdays - 3 settlements
Sl Batch Timings Cut off Time for sending
No outward NEFT messages
1 0900 AM 0845 AM
2 1100 AM 1045 AM
3 1200 Noon 1145 AM
RTGS BUSINESS DAY – TIMINGS.
RTGS MESSAGE TYPE Weekdays (in hrs) Saturdays (in hrs)

Customer Transactions (298 R 41) 09.00 am to 16.30 pm 09.00 am to 12.00 noon
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Inter Bank Transactions (298 R 42) 09.00 am to 18.00 pm 09.00 am to 14.00 pm
Non-Credit/Delayed Credit of transfer of funds under NEFT/ RTGS
Many branches are not crediting the effects promptly. Such delay will project image of the
branch/ bank poorly in the eyes of customers, fellow bankers and Reserve Bank of India.
Vide HO Cir 79/08 Branches /Offices were requested to take note of the above and
adhere to the laid down procedure scrupulously to avoid any penal action. It was
informed therein that if any such cases are reported appropriate disciplinary action
would be initiated against the concerned officials.
1. For opening and downloading the inward messages Branches do not require token
holders. Any clerk /officer created as a password user can down load the messages.
Branch-in-charge is responsible for ensuring the availability of required number of
digital certificate holders or password users with proper rights to download the
messages. Branches-in-charge are requested to ensure the same without fail to
avoid unpleasant consequences.
2. The digital certificate holders should carry their respective smartcard or e-token
with them always on duty. The smartcard holders/ e-token holders and password
users should remember their PIN/Password. Failure to remember the password
thereby failing to open or download the message will be treated as negligence in
discharging the duties and appropriate action will be initiated.
3. Branch has to respond RTGS/ NEFT messages promptly and afford credit to the
beneficiary account OR return the message in case account number does not
pertain to their branch, within the time norms specified as under:
Credit to the beneficiary within two hours of receipt of the payment at

the PI (Participating Interface i.e. Funds and Investment Section,
Mumbai) OR if it is not possible to credit the funds to the beneficiary
RTGS
customers’ account for any reason e.g. account does not exist, account
frozen etc., return the message to the sender before the end of the
RTGS Business Day
Credit to the customer’s account same day of the settlement in respect
of the settlements taking upto 2.00 PM. In respect of 3.00 PM and 5.00
PM batch settlements the credit may be afforded to customers latest
NEFT
by next day morning. If account does not pertains to the branch the
message has to be returned to the sending bank on the same day. (Refer
HO Circular 215/07 in this regard)
4 . In case of delay in credit, delayed interest as below is to be paid
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In both the cases (RTGS/ NEFT) if there is a DELAY in crediting or returning the
remittance to the sending Bank, branch has to pay delayed interest for delayed
period without fail by debiting to Interest Paid A/c – Others as under:
Delayed credit to the beneficiary – REPO Rate
Delayed return to the Sending bank – REPO Rate + 2 %
(Currently REPO Rate is 8.0%)
WEF 20.10.08
5. Payment of penal interest is to be treated as leakage of income and the amount is to

be recovered from the concerned officials who are in charge of the department. If
the delay is due to non-existence of users to open the messages, then the amount is
to be recovered from the branch-in-charge
CONFIRMATION OF MESSAGES DELIVERED TO THE RECEIVER BANK :
Once outward RTGS messages are sent from the branch, it is the responsibility of the
branch to check up for the two acknowledgements from RTGS Server, Mumbai and RBI
to confirm whether the message has been delivered to the receiver Bank.
To check whether the Outward Message sent (298R41 or 298R42 ) from Sender
Branch is delivered at receiver Bank branch.
Once the message is sent successfully, Branch has to check for the incoming messages
(IFN 298R90 – PI Response from Canara Bank, RTGS Server, Mumbai and 298R09 –
Settlement Notice from RBI, Mumbai respectively. Branch has to open the messages and
see the following status for successful RTGS outward messages.
298R90 – PI Response - Check Acknowledgement indicator should be ‘ Y ‘

298R09 - Settlement notice from RBI - Check Settlement indicator should be ‘ Y’
In the above case, the outward message status at Sender Branch is ‘ SETTLED AT
IFTP’ (Successful final status of the message)
It is the responsibility of the branch to follow-up with T&ID, Mumbai (RTGS CELL)
for non-delivery of 298R09, if 298R90 is only received with Acknowledgment indicator
as ‘Y’ (with status ‘ ACCEPTED BY PI’). This may be for reasons like messages were
sent after the RTGS timings, amount less than 1 lac etc.
The various status of outward message at Sender Branch for ready reference.
190
Message Acknowledgement / Settlement Indicator Outward Message Status in
Type in incoming message at Sender Branch Sender Branch (298R41 /42)
298R90 Acknowledgement Indicator is ‘ Y ‘ Accepted at PI*
298R09 Settlement Indicator is ‘ Y ‘ Settled at IFTP**
298R90 Acknowledgement Indicator is ‘ N ‘ Rejected at PI
298R09 Settlement Indicator is ‘ N ‘ Rejected at IFTP
* PI - PARTICIPATING INTERFACE (Canara Bank RTGS Server, Mumbai)

** IFTP – INTER BANK FUNDS TRANSFER PROCESSOR (RBI Mumbai)
AUDIT AREAS
- Whether inward messages received through SFMS system is opened daily at regular
intervals and finally before end of the day and got immediately printed?
- Whether the messages are immediately acted upon and credited to appropriate
accounts – random check in the inward register/ Inward messages for the date of
receipt, execution and credit account details
- Whether branch is collecting the Service charges for the Outward messages or not
- Whether branch has paid any delay interest to the by debiting Interest paid a/c.
- Check the Inward and outward messages sent/received by the branch and ensure
that the transactions taken place are genuine. And branch has given credit/debit to
the respective account as per the nature of the transaction.
- Whether branch is checking that the messages has been delivered to the receiver
bank or not.
191
CIBIL/CDCRM
CIBIL
192
As per the extant guidelines, our Bank is submitting data to CIBIL (Credit information
Bureau of India Ltd.,) on all borrowal accounts, on quarterly basis. Extraction programme
MIS009 to extract the data on the due date itself. (End day program)
CIBIL authorities have now informed that the DATE OF BIRTH field and the date of
grant/disbursement fields are compulsory for all Advances\ODCC accounts granted to
individuals. Data submitted without incorporating the above information will be treated as
incomplete and hence is liable for rejection.
Further, effective from January 2007, the periodicity of data submission to CIBIL will be
on monthly basis on the last working day of every month. This is effective from January
2007. The first of such extraction should be as on 31.01.2007 and thereafter at the end of
every subsequent month.
CDCRM
In terms of Reserve Bank of India guidelines on Credit Risk Management and Management
of NPA, a need for establishing a consolidated and error free database on Loans and
Advances was felt.
In this regard, our Bank has embarked upon a prestigious project called
“COMPREHENSIVE DATA AND SYSTEM ARCHITECTURE ON CREDIT RISK
MANAGEMENT (CDCRM)” to establish a Comprehensive Data Ware house on credit
related matters. This would help the Bank to generate various statutory, standard, dynamic
and various MIS reports as a decision support tool.
M/s Tata Consultancy Services Ltd., has been assigned with the task for a total solution
which involves supply, installation, integration, Implementation and maintenance
of database at a centralized location i.e. Head Office.
 To adopt a standardized approach for computing Capital Adequacy.

 Strengthen collection of collateral / security details of Loan Accounts.
 Strengthen the limit structure and include Risk rating as a parameter.
 To implement masters for Customer, Advances, Collateral, NPA related accounts
Bills Purchased and Non-Fund Based Business at a central data base.
 To generate various information as a decision support tool from a central location.
BENEFITS OF CDCRM
193
The CDCRM project envisages collection of relevant and correct data required for User
Wings for various reports.
Following are some of the advantages of the Project:
Data capture from the existing branch software, through an extraction program.
Data storage at a centralized location.
 Electronic Data transfer from branch PC to server located at Head Office through
Regional Office/Circle Office.
 Generate MIS reports as required by various user Wings at Head Office.
 Access to database by Circle Office / Regional Office for various analysis.
 Dynamic reports for monitoring and controlling credit risk.
 Tool for decision making and portfolio analysis.
 Provides information required by CIBIL
 Provides information required for BASEL II compliance.
 Generation of Special watch category of accounts for monitoring.
 Facilitates submission of error free Returns
 Statements consolidation work at RO/CO may be dispensed with.
 Submission of Credit related returns may be dispensed with
IMPORTANT POINTS
CDCRM considers the branch with the extension counters as a single entity.
Loan accounts which are not maintained in branch application software will have
to be manually created, entered in CDCRM solution using customer master creation
file / loan master creation file.
Transaction / updation details for manually operated accounts will be created

through “CDCRM” branch application only.
For manually created accounts in CDCRM, branches are required to maintain a

register for all master creation, transaction details, updation details to have a proper
tracking of records.
194

Help Manual For IOs Doing Inspection of Computerized Branches Updated Till 30th September 2008-1 PDF

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CONFIDENTIAL OFFICE COPY

HELP MANUAL FOR

(Updated till 30th September 2008)

Date : 00-00-2008 SURINDER MOHAN

3. ALPM NNND 114 - 121

4. ASIAS INTERFACED CBS 122 - 142

5. FEXOFT 143 - 147

6. INTERNET & MOBILE BANKING 148 - 155

7. CCMS 156 - 158

8. DDiSYS 159 - 162

9. ANYWHERE BANKING 163 - 166

10. ATM 167 – 174

11. CAN-MAIL 175 - 179

12. SWIFT 180 - 182

13. SFMS/RTGS/NEFT 183 -191

14. CIBIL / CDCRM 192-194

CHAPTER – 2 LOGIN / LOGOUT /CHANGE PASSWORDS 9

CHAPTER – 3 HOT KEYS – FCR & FCC 10-11

CHAPTER – 4 MENU OPTIONS (FLEXCUBE – RETAIL) 12-21

CHAPTER – 5 REPORTS (FLEXCUBE – RETAIL) 22-33

CHAPTER – 7 ADVANCES CONCEPTS IN FCR 38-43

CHAPTER – 8 ISSUES TO BE HANDLED PROCEDURES IN CBS 44-47

CHAPTER – 9 FLEXCUBE – CORPORATE (FCC) 48-53

CHAPTER – 10 GOVERNMENT BUSINESS MODULE 54-58

CHAPTER – 11 AGRICULTURAL MODULE 59

CHAPTER – 12 SAFE DEPOSIT LOCKERS 60-61

CHAPTER – 13 LAPS 62-63

Ø Anywhere, Anytime, Any device, any service banking

Additional reports pertaining to CBS Software are available in Business Objects.

The user can change his password by opting option 768.

Option Description Utility/Remarks

Sl HOT Keys Description Utility/Remarks

SL NO PURPOSE HOT KEYS

Option Description Utility/Remarks

Option Description Utility/Remarks

Option Description Utility/Remarks

Option Description Utility/Remarks

Description Demand Pay orders Gift Cheque/TC

HEAD OFFICE / BAR

Option Description Utility/Remarks

Option Description Utility/Remarks

Option Description Utility/Remarks

Option Description Utility/Remarks

REPORTS UNDER CBS

Login name: canara

Branch Reports are available in http://172.16.47.230:8080/reports

DIFFERENT REPORTS/ STATEMENTS AVAILABLE IN FCR

OPTION DESCRIPTION REMARKS

OPTION DESCRIPTION REMARKS

OPTION DESCRIPTION REMARKS

OPTION DESCRIPTION REMARKS

OPTION DESCRIPTION REMARKS

TS601 TDS remittance Report GL 209270510 – Domestic Tax

TERM DEPOSIT Balancing

OPTION DESCRIPTION REMARKS

ST639 Inward Clearing Activity Summary

ST210 ICC Remittance/Dishonored Report

ST207 Cheque Dispatched Report

OPTION DESCRIPTION REMARKS

ST074 Remittance Enquiry Can find about the DD for

OPTION DESCRIPTION REMARKS

OPTION (7775) DESCRIPTION REMARKS

REPORT OF SUB FORMAT FOR REPORTING OF SUB-