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1 About this Manual

This user manual acts as a step-by-step guiding tool for PNB Housing Finance Limited’s
(PNBHFL) Business Partners, for processing their monthly payouts through “VConnect” the
online billing portal. Please go through this from the point of view of a DMA channel partner.

2.1 List of Screens

Business Partner has access to the following screens through which he/she can process the
monthly pay-out, give feedback, add his GST details and see his file status.

1. Login Screen

2. Home Screen

3. Mailbox

4. Feedback

5. GST

6. Payout

a. My Payout

b. Rejected Payout

c. Accepted Payout

d. Pending / Rejected Invoice

e. Download & Take Print

f. Paid Invoice

g. Cancelled Payout

7. My Account

a. My Relationship

b. Change Password

8. My Details

a. Change Details

9. Logout

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 2.1.1 Login Screen

Business Partner can connect to online billing portal by using the mentioned link:

http://vconnect.pnbhfl.com/

• Please login to http://vconnect.pnbhfl.com/

• Enter your User Name and Password and click “Submit”
• Change your password upon first login
• If you want your password to be stored, please click on “Remember me next time” check
box. The system will not ask you for your password details again as it will be stored
automatically.
• If you forget your password, please click on “Forgot your password”, you will be asked
for user name and your registered e-mail id. The new password will be mailed to you
instantly on your registered e-mail id and also sent via sms on registered mobile number.

You will receive a SMS alert on his/her registered mobile number, post uploading of
pay-out in the system by operations team.

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 Password Change

• Post login into V-connect for the first time, you will be asked to change your password.
• Step1-Please enter your current default password which is provided by PNB Housing.
• Step2-Please enter your new password
• Step3- Please re-enter your new password
• After changing the password, the Business Partner needs to login again with User Name
and new Password.

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 2.1.2 Home Screen

Home Screen displays information and banners on our product offerings.

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 2.1.3 Pay-out Screen

• To view your payout, in the payout screen drop down menu, you will be able to view
payout related tabs like My payout, Rejected Payout, Accepted Payout, Pending Invoice,
Paid Invoice and Cancelled Payout

2.1.3.1 My Payout

• My Payout- you will be able to see monthly payout calculation uploaded by Operations
team. The details of this can be accessed by clicking on the View button on the page.

 For viewing case wise detail click on ‘View’ button.

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  You will be able to view case wise details like date of disbursement, Branch, Account
No., Account Type (Home Loan /Non Home Loan), Disbursed Amount, Asset % (i.e
Payout %) , Asset Payout Amount, Cross-sell Amount (i.e insurance premium sourced),
Cross-sell Payout Amount, Adjustments +/-, Final Payout ( final payout post
adjustments) and current status.

Description of Headers
Asset % = Payout percentage
Asset payout = Payout Amount on Home Loan + Non Home Loan disbursements
Cross-sell amount = Insurance premium amount
Cross-sell payout= payout amount on insurance premium sourced
Adjustment {+/-} = Amount that needs to be added or subtracted

• You are provided with an option to either Accept or Reject your Bill.
• If you click on the Accept Tab, Payout file will automatically move to Accepted
Payout bucket.
• If you click on Reject button, Payout file will automatically move to Rejected Payout
bucket.

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• If any positive or negative adjustments are made then against each adjustment amount
“Remarks” will be provided as shown above.

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2.1.3.2 Accepted Pay-out

a) For non GST registered channel partners

• Payouts which get accepted are reflected in the above window with details like Payout
Month, Payout Uploaded On, Sum of Disbursed Amount, Asset Payout, Insurance
Payout, Adjustment, Sum of Final Payout and action.
• Once you click on Approve button. Invoice for the Payout will be generated automatically.
(Sample invoice is shown below)

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You will click on ‘Approve Invoice for Payment’
Any cancellation/advance payment referring to previous payout/months will be
reflected in the invoice under “Adjustment “field.

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b) For GST registered channel partners

• Payouts which get accepted are reflected in the above window with details like Payout
Month, Payout Uploaded On, Sum of Disbursed Amount, Asset Payout, Insurance
Payout, Adjustment, Sum of Final Payout and action.
• Once you click on Approve button, the below window would open:

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In the above screen, DMA channel partner would be required to put his HSN code and his
own invoice number which should be unique and non-repetitive.

For finding the HSN code, DMA Business Partner should check with his C.A. or financial
consultant.

After entering the details DMA should submit the same for further verification.

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2.1.3.3 Pending / Rejected Invoice

a) For non GST registered channel partner

• All Invoices which gets Accepted, automatically moves to Pending Invoices bucket.
They can be viewed in above screen with Invoice No., Month, Invoice Date, Business
Sourced, Asset Payout, Cross-sell Payout, Adjustment Amount, GST Tax Amount,
Total Bill Amount, Status and Action.

• Status field is used to enter the reason for pending of invoice. This helps in taking
necessary actions.

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 b) For GST registered channel partners

 After submitting the invoice DMA would be now able to view and download the
consolidated invoice in “PENDING INVOICE” section as seen below. Sample invoice is
attached in further pages for your reference. This invoice is in a specific format which is
approved under GST guidelines and cannot be changed.

 Action TAB is used to Reject, Download & View Invoice generated by business partner.
This helps in taking further necessary actions.

DIGITAL SIGNATURES (Note: Under GST rules it is mandatory for an invoice to be

signed by DMA business partner. No pay-out would be released if the invoice is not
duly signed by the business partners.)
Here the channel partner would be required to digitally sign the Invoice if he is satisfied with
invoice which is generated. We have made two options available for the same.
A. TOKEN BASED DIGITAL SIGNATURE: Please download the invoice in the PDF
format, affix your digital signature and the upload the digitally signed invoice in PDF
format using the Upload Invoice Option.

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Here the channel partner would be required to download the invoice in the PDF format, upload
his digital signature and then upload the digitally signed invoice as shown in the screen below

After submitting the invoice, the following status would appear on the DMA screen as
shown below i.e. “Invoice submitted and sent for verification”, as shown in the screen
below. It means that the invoice has been successfully submitted to our operations
team for further processing.

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 B. ESIGN/AADHAR BASED DIGITAL SIGNATURE: The second option is of digitally
signing the invoice using the AADHAR based signature. Please use the E-sign option
in the Action tab for the same.

The following screen would appear in case you click on E-sign option:

• In this option business partner can sign the invoice digitally using Aadhaar based
signatures.
• Select the invoices to be E-Signed in the leftmost column and then press Submit. On
submitting, the system will take the partner to the NSDL site where the partner is supposed
to put a 16 digit virtual ID number as shown in the screen below. This is as per the
guidelines of UIDAI wherein it is not necessary any more to give individual Aadhar number
for e-signing. In the next column we have given a detailed process on how to generate the
virtual ID..
• In this option only one Invoice/Credit Note can be signed digitally in one go.
• Aadhaar Number should be of the Authorized signatory.
• Once the invoices are E-Signed then invoices will be submitted directly to our COPS
team for further processing. No need to upload invoices anywhere as told in the Token
based digital signatures option.

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Steps to generate virtual ID are as follows:

Step1: Visit UIDAI’s website at http://uidai.gov.in/

Step 2: Click on the “Virtual ID (VID) Generator” from Aadhaar Services section

Step 3: You will be taken to a new VID Generation page https://goo.gl/vFQgic

Step 4: Enter your 12 digit Aadhaar Number and the security code

Step 5: Now click on the “Send OTP” button

Step 6: An OTP will be sent to your mobile number registered with UIDAI
Step 7: Enter the OTP and select the option to either “Generate VID” or “Retrieve VID”

Step 8: Now click on the Submit button

Step 9: You will get a message like “Congratulations! Your VID Number Successfully
Generated and sent to your registered mobile.”

Step 10: You will get the message on your registered mobile number mentioning the 16-digit
virtual ID for Aadhaar number and the last 4 digits of Aadhaar, generated.

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 2.1.3.4 Paid Invoice

• All the details for Invoices which are already paid are displayed in the above screen.
Screen will detail all important information like dates, Business Partner’s names,
Business Sourced, Gross Amount, GST Amount, Total Bill Amount, TDS Amount, Net
Pay, Status and Action.

• There is Preview button under Action field. By clicking Preview / Invoice button,
invoice for already paid payout will be displayed with an option to download that
particular invoice again.

Sample invoice for GST registered Channel Partners is as follows:

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2.1.3.5 Cancelled Payout

• In Cancelled Payout screen, Business Partner can check case wise cancellation of
previous months. All the details like Cancel Date, Account No., Customer Name,
Account Type, Disbursed Amount, Payout%, Payout, Cross-sell Amount, Cross-sell
payout, Adjustments, Final Payout, Total Adjustment, Pending Recovery, Status and
Action can be seen here. Remarks for cancellations can be seen by clicking on
Remarks button under Action.

Please Note: In case of cancellation, the only addition in the above sequence would be that
the DMA would have to also enter a “CREDIT NOTE” no. which again has to be unique and
in serial order as shown above.
This credit note can then be seen along with the invoice at the time of downloading the
invoice and can be uploaded along with invoice duly signed digitally mandatorily as per GST
Invoice rules.

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 2.1.4 My Account Screen

In the ‘My Account’ screen, Business Partner can check Relationship/Contact details of his/her
respective Manager and can Change Password.

2.1.4.1 My Relationship

 Business Partner can click on ‘My Relationship’ from the ‘My Account’ screen’s drop
down list.
 This screen will help Business Partner to identify hierarchy wise name, Email-id and
contact number. In case of any requirement the Business Partner can contact and
interact with his/her assigned managers.

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2.1.4.2 Change Password

• User has an option to change current password anytime as and when required.

• By entering mandatory fields and clicking on change password button, current

password will be changed to newly entered password.

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 2.1.5 My Details Screen

My details window helps Business Partner to change his/her details whenever required.
Business Partner has an option to change Bank Details & Personal Details.

If you click on ‘Change Bank Details’ then below screen will be displayed for changing details.
Here you can fill your new bank details for the credit of Pay-outs.

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• Once Business Partner changes details and clicks on Save button, an Email is send
to the operations team for verifying and updating of the changed details.

• If Business Partner clicks on ‘Change Personal Details’ then below screen will be
displayed for changing details. Here Business Partner can fill in new details like
Address, Phone number and can upload signatures.

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• Once Business Partner changes details and clicks on save button, an Email is sent
to the Ops team automatically, who will then make the changes.

• This will help Business Partners and PNBHFL to run all pay-out processes smoothly
and correctly.

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2.1.6 My Application Status

Business Partners can now view status of their application logged in through VConnect web
portal whether approved / queried or recommended branch wise. Business Partners can
further have a detailed view of each case by clicking on the “View” tab like below:

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2.1.7 Feedback Screen
Business Partners can now send us their valuable feedback through “Feedback” option on
VConnect web portal as shown below. They can select their branch and people to whom they
want to send their feedback like ASM/RBH/ZBH.

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2.1.8 Mailbox Screen
Business Partner can now view the latest offering from PNB Housing Finance Ltd. under the
mailbox option by accessing the mails sent to them by PNB Housing. Business Partners can
view the mails send to them under inbox tab and can also reply on the same mail to sender or
forward it to their registered email id.

2.1.9 Logout

Logout option is provided to Business Partners for making sure that their account is
successfully logged out and cannot be accessed again without using correct User name and
Password.

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