Tngb Cbs Manual

TAMIL NADU GRAMA BANK
Head Office, Salem

Technology Management Department
Core Banking Solution - USER MANUAL - 2019
Compiled by
Technology Management Department

GUIDELINES
• Branches should follow the guidelines given in the User Manuals /
Help Desk Officers of HO/RO
• Branches should use product codes / BGL numbers given in the

Training Manual / HO Circulars ONLY.
• Branches should not explore the menus not applicable to our Bank.
No experiments to be done with the menus.
• Transfer transactions except Account Closure / Inland rupee

remittance should be through Batch only
• Branches should respond to the IP message / Login message given

by HO/RO
• Branches should not do EOD with GLIFF.
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This manual is compiled by Shri M G Sankarlal, Chief Manager (Project Office)
based on the Training Manual for RRB Staff - I Edition 2009
published by
Shri S Rengarajan
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Core Banking Solution – User Manual 2017 was published in 2017 for the
users of Pallavan Grama Bank
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Revised and updated Core Banking Solution – User Manual 2019 is published
for the users of Tamil Nadu Grama Bank
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13.07.2019
Preface
My Dear colleagues
In the present day scenario everything revolves around technology.

Banking is no exception. Sweeping and far reaching changes in
technology have revolutionized banking. CBS has changed the face of
banking in India. It has resulted in fast, efficient and convenient
banking and has reduced the turn-around time for various services
rendered by banking industry. Improved efficiency and output of the
work force on account of CBS has gone a long way in driving the
growth of banks.
I am happy to note that our Technology Management Department
(TMD) & Project Office (PO) Team has brought out a comprehensive
manual on CBS with latest updates. While appreciating the teams
behind it, I sincerely hope that this manual will be of immense helpful
to all our field level fraternity.. I am sure that manual will prove a very
useful guide to entire work force.
I onca again take the opportunity to salute the entire team who has
put their heart and soul into making the manual a real path finder.
E=
With best wishes & regards,
Chairman
Table of Contents
S No Content Page No
1 Introduction to CBS 1
2 CIF Creation 21
3 Deposit Accounts Opening & Closing 23
4 Loan Accounts Opening & Closing 38
5 DL Correction / Repayment Schedule Regeneration 44
6 Remittances 45
7 Cash Remittance 49
8 Transfer Batch 51
9 Tax Deduction at Source 52
10 C to C 53
11 Product / Home Branch Change 57
12 Renewal / Enhancement of OD/CC limits 58
13 Renewal of KCC 60
14 Second / Further Disbursement of Loan/Additional LOD 61
15 Solution for issues faced in Security Creation 62
16 Setting/Removal of Stop/Hold/Lien/Message 63
17 Setting / Removal of Standing Instructions/Stop Payment 64
18 Handling of Referred Transactions 66
19 Handling of GLIF/ Asset / Liability Balancing 68
20 How interest is calculated for RIP in CBS 70
21 Conversion of ODCC and Loan Accounts to Protested Bills 71
22 Procedure for entering DPN/Acknowledgement of Debt 72
23 ATM Card Request and Enabling ATM Facility for customers 73
24 Valuable Paper Inventory System (VPIS) 75
25 TDR AND DD Printing 79
26 BOD-EOD Workflow 81
27 Activities to be done on daily basis 84
28 Reports to be verified by branches 85
29 Branch Server Crash Handling 87
30 Trouble Shooting in LAN / VSAT 89
31 Know Your Branch Network 90
32 Getting Error on Bancslink and Help Desk Utilities 92
33 Subsidy Processing 95
34 NPA Processing 98
35 Cheque Collection and Purchase Module 102
36 NEFT 105
37 RTGS 105
38 Image Upload 105
39 Locker Module 106
40 Single Window Operator B 134
41 Annexure 136
Frequently Used Screen Numbers 136
Products Existing in our Bank–Deposit/SB/CA/ODCC/Loans
BGL – BS & PL Liability BGL and Assets BGL
BGL – BS & PL BS BGL
BGL – BS & PL Expenditure BGL and Income BGL
BGL – BS & PL PL- BGL
Tamil Nadu Grama Bank Head Office – Technology Management Department
Core Banking Solution - USER MANUAL – 2019
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1. Introduction to Core Banking Solution

CBS Branch Code / User ID / Password / Terminal Number
All branches in CBS are identified by 5 digit Branch code. (eg. 60072 for Salem
Main). This will be allotted by Head Office. Branch Code of erstwhile Pandyan
Grama Bank branches is prefixed with ‘6’ and new branch code is allotted. (eg.
65115 for Paramakudi Branch – Earlier Branch Code for Paramakudi branch was
5115)
All staff members are identified in CBS by the User ID. The Service Record Number
(S R No) of a staff allotted by the Head Office is the User ID for the staff for CBS
login. A new series of S R No have been allotted for all Staff. Officers and OA(MP)
can login only with their User ID allotted to them and also only as branch user of the
particular branch identified by branch code where they are posted permanently or
on deputation. Staff on deputation should verify whether the user ID is transferred to
the new branch (on deputation) before login.
Initial password for the new users will be set as 111111 and the user has to change
the password on first login. The password should be of minimum 6 characters and
maximum 8 characters. Password can be number / alpha numeric (at least one
character should be a number). User can change his / her password any time
through the menu. The password is valid for 30 days and on expiry date system will
prompt for password change.
Trying to login with wrong password continuously for 3 times will lead to locking of
users and it can be released by Head Office / Regional Office. Password reset is
handled by HO/RO if password is forgotten. Password should be kept secret.
Password secrecy should be adhered to strictly at all time and dilution in this regard
will lead to complication in future. System will force change of password every
month. Password once used cannot be reused for the next 3 change of password.
Each and every user in the branch will be allotted a terminal number within the
branch. It is suggested that users may use always the same terminal number while
login.
The login screen is shown below. Users need to feed the user id, password, branch
code to which the user belong to and the local terminal number and then transmit,
Core Banking Solution - User Manual - 2019 1

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After logging in, the screen will display as below:
If the name of the user does not appear on the logged in screen, then it should
be understood that the user is not in online. Branch has to take appropriate
action for restoration of connectivity.

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User Type / Capability Level
All Users, comprising of OA (MP) and Officers of all cadre are identified as USERS
or TELLERS in the Core Banking system.
The users or tellers are differentiated by the USER TYPE associated with them and
the CAPABILITY fixed to them.
USER CAPABILIT
STAFF ASSOCIATED
TYPE Y
40 16 Branch Manager/Admin
40 15 Officers / Branch Managers
70 5 or 6 OA(MP)
Menu will differ based on User Types. Some of the activities cannot be done by OA
(MP). These menus will be available in 40 User Type.
Capability Level decides the passing powers. Capability level 5 does not have
passing powers but capability level 6 for OA (MP) will have Single Window Operator
powers. Capability level 15 & 16 for Officers/Branch Managers will have full passing
powers for Officers of all cadre
MAKER & CHECKER
The Core Banking Solution follows maker-checker concept for creation /

authorization of the transactions. A maker creates the transaction and if the
transaction requires authorization at a higher level, then the transaction is
forwarded to the Supervisor with capability 15 or 16, along with a QUEUE number
or REFERENCE number.

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A transaction can only be authorized by the Teller with the capability indicated in
Queue or with higher capability. For e.g. if a queue had been generated for Teller
with capability of 15, it cannot be authorized by a Teller with 9 capability. In our Bank,
many branches are with one officer and a OA (MP). Hence the transaction has to be
necessarily originated by the OA (MP) and the QUEUE will be sent to
Officers/Branch Managers for authorisation. Wherever single Officer is available in
the branch, then such Officer cannot initiate the transaction.
The Supervisor has to view transaction item (clicking on the Queue number and
then click on view item) and on verifying with the voucher, either authorize it or
decline. A declined transaction can be modified or closed by the respective maker
only.
A transaction is to be declined with a reason for declining. When a transaction is

declined, a new queue and reference number are given.

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The declined transaction should be accepted only by the maker. He has to take the
transaction from the Personal Queue. On accepting the declined transaction, the
maker can modify the transaction (through Modify Transaction) whatever to be
amended / changed, retransmit and generate a new queue or else simply close it,
which would wipe out the transaction totally from the system.
Supervisor may take up the new queue and authorize to complete the transaction.

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CUSTOMER INFORMATION FILE (CIF)
The Customer, under CBS, is considered as BANK CUSTOMER, instead of being

considered as Customer of a particular Branch. Any person having relationship with
the Bank is a Customer. Thus, even a non-account holder, such as Guarantors,
Introducers, Nominees etc., are also Customers. All these customer files need to be
created in the system before having any transaction with them. The transaction can
be a) opening an account or b) accepting one’s guarantee for some loan or c)
accepting a person as a nominee to some accounts. Creation of a customer in the
system means creation of a Customer Information File (CIF) in the system.
Creation of CIF is a one-time activity. Customer may open any number of accounts
of different / same / similar type as permitted by the Bank. He can also be a
guarantor or a nominee or have any other relationship with any other customer or
account.
After a CIF is created for a customer, a CIF number (including the check digit) is
allocated to the person, which is unique in the Bank. The CIF number of a customer
is linked to all the accounts opened by the Customer.
SCORE UNDER CIF

Any person, to become a customer of the Bank, needs to identify themselves by
submitting certain documents that are prescribed by the Bank to establish an
identity for Proof of Address and Proof of Identity. Example: Passport, Voters ID,

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Aadhaar Card, PAN Card, Driving License etc. Each document is assigned a score.
The identity submitted should score minimum of 110 to create a CIF operable. A CIF
can be created for any person with any score. Though an account can be opened
for such CIF, even when the CIF score is less than 110, transactions cannot be put
through in accounts, unless the total score of the documents is a minimum of 110
points. When the CIF score of the customer is less than 110, the account will show
‘STOP’ status.
TYPES OF CUSTOMERS
Customers are of two types: 1. Personal Customer and
2. Business or Non-personal Customer
Just as CIF is to be created for individual customers, a separate CIF has to be

created for Non-personal customers also. The CIF of individual Partners or
Directors or Members of the Business Customer have to be linked to the CIF of the
Non-personal Customer.

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CUSTOMER INFORMATION DETAILS
Amendment of Customer Information: Navigation: Customer Management 

Amend  Customer Details  Enter the CIF
Option 1: For modification of information other than Identification details. Modify the
data – Transmit and get the Q authorized.

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Option 4: For modification of Identification details – If the CIF is opened with less
than 110 points, the accounts opened under the CIF will go to ‘STOP’ status. For
this purpose, we have to add identification proof in this screen so that the total
points comes to 110 or more. Do not delete / modify the details already available in
the CIF. Add the new proof in the next lines and keep the status flag as active and
transmit. Get the Q authorized. Remove the stop in the account thru’ procedure
given in this manual.
CIF Unification: If the accounts of a customer are coming under different CIF,
problem will arise in deduction of Tax / processing charges / Internet Banking.
Hence CIF unification is to be done on priority basis. Identify the CIF in which all
accounts are to be linked. Then note down the accounts which are not linked to this
CIF. Inform the product codes of these accounts to the parameter team of your Bank
so that they will permit ownership change in the parameter for the day. Then link
these accounts to correct CIF. Navigation: Customer Management – amend – Link
CIF to an account – Enter the correct CIF – system: CIF – Associated account:
Enter the account number not linked to correct CIF – Link Indicator – OWN –
Transmit and get the Q authorized.

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Change of CIF from Personal to Non-personal and vice versa: It is possible that
during migration wrong selection had been made in some accounts. Such CIF are
to be listed and corrected. Step 1: Create new Personal / Non Personal CIF.
Step 2: Link the new CIF to the account as OWN accounts (As detailed in CIF
unification)
Customer Enquiry: If you want to find out all accounts under a single CIF –
Customer Management  Enquiry  Search by CIF Number  Enter CIF number /
any account number of the customer  Transmit  Go to Linked Accounts tab –
You will get all accounts under the CIF.
Getting CIF number from Account number: Enter the account number in any
screen and press F7 – You will get the CIF number linked to that account.
CUSTOMER ACCOUNTS / PRODUCT CODES
Different types of deposit accounts which can be opened in the Bank are called
PRODUCTS. Products are identified by a number, which may be of varying length
for different Banks.
In our Bank an 8-digit number identifies a product. The first 4 digits correspond to
the Account type, while the next 4 digits correspond to the sub-category/interest
category of the account. The name of the product gives a fairly good idea about the

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product. Thus 2111-1201 is a SB account with CHeQue facility for GENeral PUBlic
in URBAN area. The account is operated in INdian Rupees. Thus the name of the
product is SBCHQ-GEN-PUB-URBAN-INR.
The 4-digit Account Type is formed as under:

Account type - First 2 digits (SB, CA, FD etc.)
21: SB CHQ; 22: SB NCHQ; 23: CA;
01: FDR; 02: STD; 03: RIP; 04: RD
Account sub-type - The next 2 digits (General, Student, Pension etc.)
11: GEN; 13:STUDENTS; 47: BSBDA (NO FRILL)
Sub-category - The 4-digit

A) Sub-category in the case of SB and CA accounts, is formed as under:
Customer Category - 1 digit (1:Public; 3:Staff etc.)
Location of the Branch - 2 digits (10:Metro; 20:Urban; 30:Rural etc.,)
Currency - 1 digit (1:INR)
B) Sub-category in the case of Term Deposit and Recurring Deposits, is

formed as under :
Customer Category - 1 digit (1:Public; 2:Senior Citizen; 3:Staff etc.)
Terms of Deposit - 2 digits (days, year etc.)
31: 7D-14D;
32: 15D-29D;
33:30D-45D;
34: 46D-90D;
35: 91D-120D;
77:121D-179D;
78: EXACT 180D;
79: 181D-269D;
36: 270D-1Y;
37: 1Y-2Y;
38:2Y-3Y;
39: 3Y-5Y;
45: 5Y AND ABV

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Currency - 1 digit (INR)
BANK SHOULD OPEN ACCOUNTS ONLY IN 1:INR
For eg: 0211 – 1321 represents the Product – STD for General - Public for 15 to 29
days in Indian Rupee.
All products are not available to all customers. So it is necessary that the right
product is chosen depending on the customer and other customer related
information. This is necessary as the interest rates/calculations are different for
different products.
A SB Non-cheque product is different from SB with Cheque Product. Hence, if a SB

Non-cheque account has to be converted into a SB with Cheque account, the
product code of the account has to be changed, before a cheque book can be
issued. (Such change of Products is not permissible for all the products.)
Similar to the deposit products, different types of loan accounts are also
called Products.
A 8-digit number identifies a product. The first 4 digits correspond to the Account
type, while the next 4 digits correspond to the sub-category or interest category of
the account.
For example, the account type 5502 refers to the Agriculture Jewel Loan, under
which,
5502 – 0002 refers to Agriculture Jewel Loans – 7%
5502 – 0004 refers to Agriculture Jewel Loans New
CORPORATE GL (CGL) / BRANCH GL (BGL) NUMBERS:
The Assets and Liabilities of the Branch are arrived based on the Corporate GL
balances. Transactions are not directly entered in Corporate GL heads.
Transactions entered in the Customer Accounts are updating the Corporate GL
based on the CGL mapping of Product code under which the account falls. There
are some non-customer CGL heads (Assets / Liability / Income / Expenditure) like
Sundry Deposit, Sundries Receivable, Funds in Transit etc. Transactions relating to
these heads will be routed through BGL.
BGL number consist of 11 digits. First five digit is uniform across all the branches of

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the Bank. Next five digit is the Branch CBS Code. Last digit is the Check digit. (This
can be obtained using Screen No. 9022). 98903-60072-1 is the BRANCH CASH
BALANCE A/c of Salem Main Branch. Hence BGL number will differ from branch
to branch but CGL number will be same for all branches. One BGL of a branch can
not be accessed by another branch. But one customer account of a branch can be
accessed by another branch.
INTEREST PAYMENT AND TAX DEDUCTION AT SOURCE:
Interest on Fixed Deposit will be transferred to the designated SB / Current account

either on monthly / quarterly frequency set at the time of opening of account. If
transfer account is not specified in the FD, system will transfer the interest to
System BPO to be issued account. Branch has to necessarily issue the BPO and
give it to Customer. There is no provision for keeping the interest on FD in FD
itself and make payment as and when customer demands.
Tax will be deducted at source from the interest paid on deposits if the interest is
beyond the exemption limit. Hence branches has to necessarily mark tax exemption
through the menu detailed in this manual if customer gives evidence for tax
exemption.

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FUNCTION KEYS IN CBS:
 To get new account number from old account number, Enter

OLDACCOUNTNUMBER and press F9 (function key) Press Enter Press
F7 (function key) New Account number with check digit will come.
 Press F10 to get scanned image/signature
 Press F7 to get account details
 Press F8 for short enquiry

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CASH DEPARTMENT : DAILY ACTIVITY SCHEDULE

• Open Cash Drawer – Click on Open/Close Cash Drawer icon and then
click on Open Cash Drawer button – Click on Close.
• Receive Cash from Safe – Go to SCR 20010 – Enter account No. as

98903<CBS Code><CD> – Enter LNB – Narration: Cash from Safe – Click
on Transmit – Enter the denominations – Click on Transmit - Give the Q No.
to Officer and get it authorized – See the cash drawer and confirm that the
balance is updated.

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• Cash Receipts:
a. Current / Savings / Deposit / ODCC / KCC accounts – Go to SCR 1010 –

Enter the account number, amount and transmit – Enter the
denominations – Transmit – Get the Q authorized by the officer.
b. Receipt from Other Banks / Indian Bank / Other Branch – Go to SCR

20010 – Enter the BGL account number of the other Bank / Indian Bank –
proceed with other steps
c. GL accounts (Income / Assets / Liability ) – Go to SCR 20010 – Enter the

BGL account number – proceed with other steps
d. Loan Part payment – Go to SCR 11010 – Enter the account number –

Proceed with other steps
e. Loan Closure – Go to SCR 13010 – Enter the account number – Proceed

with other steps. (Make enquiry in SCR 13000 for the correct amount)
f. Receipt for issue of BPO / DD on Own Branch / DD on Indian Bank – Go

to 20010 – Enter the BPO amount (excluding commission) – Select
remittance type as Banker’s cheque – Enter the commission – enter
purchaser name in the narration column and transmit – Enter the
denominations and transmit – Get the Q authorized by Officer and Officer
will get Journal number for BPO issue.

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g. Cancellation of Cash Receipt (After authorization) - Go to view journal

– remove the teller ID – Enter the transaction amount (if it is DD / BPO –
Enter the full amount including commission) – Click execute – Select the
related transaction that is appearing in the window – click correction –
transaction screen will appear – Click Transmit – Q will Come – Get it
authorized – Accept the payment Q - Cash box will open for payment of
money – Enter the denominations – Transmit - Account will be debited.
h. Remittance from other branches should be received in Parking

Account (97950) with reference number/ Deposit Parking account and
transfer batch is to be prepared for transfer of amount from parking
account to other branch under C2C.
• Cash Payments
a. SB account without cheque book – Go to SCR 1060 – Enter the account

number, amount and transmit – Get the Q authorized by the officer –
Officer will give another Q. Accept the Q – Enter denominations & Pay.
b. Cash Payment under Cheque Book operation should be entered in SCR

51072.
c. SB account with cheque book / Current account / ODCC account – Go to

SCR 51072– Enter all details including Cheque No., date and name of the
person presenting the cheque – Proceed with other steps
d. Remittance to Other Banks / Indian Bank – Go to SCR 20060 – Enter the

BGL account number of Other Bank / Indian Bank – proceed with other
steps
e. Remittance to other branches – Go to SCR 20060 – Enter the BGL

account number of Funds In Transit (FIT) – Give reference number –
proceed with other steps
f. GL accounts (Expenditure / Asset / Liability) – Go to SCR 20060 – Enter

the GL account number – proceed with other steps
g. Cancellation of Cash Payment (After authorization) – Go to view

journal – remove the teller ID – Enter the transaction amount – Click
execute – Select the related transaction that is appearing in the window –
click correction – transaction screen will appear – Click Transmit - cash
box will open for receipt of money – Enter the denominations – Transmit –
get the Q authorized – Account will be recredited.

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• Cash Position at any point of time / Exchange of Cash: Click on Open

cash drawer icon – Click on Swap denominations – Cash available on hand
with denominations can be seen – For exchange – Enter the denomination in
and denomination out and Transmit. Receipts not authorized by Officer
will not be added to cash balance.
• Cash Report – Report on cash transaction can be generated by cashier at

any point of time – Reports – Printing reports – Cashier Teller cash report –
Fetch Transactions – Transactions with denominations can be seen on the
screen.
If printing is required click on save report – Report will be saved in the Branch
Server – E:\CBBRANCH\SavedReports folder. This report is to be saved
after closing cash everyday since it will not be available on next day.
• Cash position at any point of time can be seen by Manager thru’ Reports
– Cash Related – View Cash summary

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• Closing of Cash – Tally the physical cash with the Cash drawer balance. Go
to SCR 20060 – Enter account No. as 98903<CBS Code><CD> – Enter TNB
– Narration : Cash to Safe – Click on Transmit – Give the Q No. to officer and
get it authorized – Accept the Q and Pay. - See the cash drawer and confirm
that the balance is Zero.

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• Closing of cash drawer - Click on open cash drawer icon. Select the row
with INR balance - Click on recon currency – click on transmit - Click on close
cash drawer button – Click on Close.
• Tallying the CGL Cash with BGL cash is mandatory. It should be done on
daily basis. CGL Cash figure is nothing but the cash figure in the balance
sheet.

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2. CIF CREATION
CREATE PERSONAL CUSTOMER
Navigation:
Customer Management  Create  Create Personal Customer/Non Personal
Customer depending on the type of customer to be created.
Step 1:
a) Select ‘Customer Type’
b) Select ‘Title’
c) Type First Name / Middle Name / Last Name
d) Father/Spouse Name
e) Relative Code
f) Mother’s Name
g) Type Address 1,2,3,4
h) Fill in the ‘State’ (using Drop down Menu)
i) Postal Code, Village code
j) Fill in ‘Date of Birth’ (dd/mm/ccyy); Mobile Number
k) Fill in Gender, Marital Status, Occupancy, Residential Status and
Occupation Code

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‘NEXT’
a) First ID Type and Number
b) Second ID Type and Number
c) Give PAN or If Form 60/61, select the same and give the date
d) Select Domestic Risk as 31:Low or 32: Medium or 33:High as the
case may be.
e) Give CIS Organisation Code and BSR Org. Code
Transmit and get the Customer Number
Step 2: To set relationship between the Customer and Introducer

Select Customer Management -> Relationships/Ownership -> Relationships
In the first screen,
Select ‘ADD’ & Transmit.
In the next screen that appears,
Under Entity 1 : Fill in CIF No. of the new ‘Introducer’

Select Entity type : CUS – Customer Information Master
Under Entity 2 :
Fill in CIF No. of the ‘Customer’
Select Entity type : CUS – Customer Information Master
Relationship Reqd. 31 – Introducer
Transmit.
On authorisation, the relationship is set and a reference number is shown on
the screen.

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3. DEPOSIT ACCOUNTS OPENING -SB/CA

Creating Deposit Account
Navigation:
Deposit/CC/OD Accounts & Services  Create  New Deposit Account.
Input the existing CIF/Account No. Click “Transmit”
The Screen for entering the details of the account to be opened appears.
Step 1 : Fill in:
Product Type: -21: SB-CHQ / 22: SB-NCHQ/ 23: CA
Type: Select type as 11 : GENERAL I2: Pension etc.
Customer Category: STAFF / PUBLIC / SENIOR CITIZEN
Location: 20- Urban / 30Rural
Currency: INR (default)
Transmit and get the Account Number
Step 2 : Cheque Book Issue (If cheque book account)
a) Cheque Personalisation (SCR:50216)
b) Cheque Book Order (SCR:50212)
c) Issue Cheque Book (SCR:50213)
Step 3 : Funding the account

Cash (SCR: 1010) or
Transfer (SCR: 1045 / SCR:51073)
Funding of the account by transfer. Even though transfer of funds can be

done thru’ SCR 1045 / 51073, it is suggested to put all transfer transactions in
batch entry screen. Advantages are (1) Can handle the referred transactions
easily (especially in VSAT connectivity) (2) Details of from/to account will be
available at any point of time.
Step 4: To set a Nominee to the account
Select Customer Management -> Relationships/Ownership ->
Relationships (SCR No. 60440)
In the first screen,
Select ‘ADD’
Enter
CIF No of Nominee
Entity Type : CUS : Customer Information Master
Relationship Reqd. : 9430 : Nominee to Account
Transmit

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On the next screen :

Under Entity 2,
Fill in the New Account No .
Entity: DEP : Deposit Master
(NOTE the reference number in the nomination form)
Step 5 : Print the Passbook

(for SB) : a) Print the Cover page (SCR: 500)
b) Update the Passbook (SCR: 600)
(for CA) : a) Statement Request (SCR: 9023)
b) Statement Print (SCR : 0700)

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DEPOSIT ACCOUNTS – FD
Navigation:
Step 1: Fill in
Under Core Options:
Product Type: 01 - FD
Term: Select the slab period (6m- <l yr or 3yr & above ...etc)
Currency : INR (default)
Interest Options : A- Cheque/B- Demand Draft /T-Transfer/
G- transfer to BGL
Interest payment method in respect of FD should be normally T- Transfer
and account number should be there. If omitted during migration, branch
can now incorporate the same. Navigation: Deposit – Amend – Amend
Deposit Tabbed Screen – Enter the account number – Transmit – Select the
interest transfer method as T-Transfer and enter the account number –
Transmit and get the Q authorized. System will post the interest to the
transfer account from the next due date.
If interest transfer account number is not given during migration, then

system will transfer interest to BPO at BOD. Branch has to verify the same
either in the report pushed or Inland Rupee Remittance – Enquiry – Other
Remittance. They have to issue the BPO (Make the charge recovered flag
as Yes at the time of issue), cancel (In transfer batch) and credit the
proceeds to their SB a/c.
Under Term Options:
Term Basis - Days (always)
a) Term Days < 29 / Term Months < 12 / Term Years < 10
OR
b) Date of Maturity
Term value deposited – Fill the amount deposited
Interest Frequency
Select 1 A-monthly or 3A-quarterly
Transmit & get the account number.

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Step 2: Funding the account:

Cash (SCR: 1010) or
Cheque (SCR:I020) or
Transfer (SCR: 1045/SCR:51073)
batch entry screen.
Step 3: Nomination: Relationship (SCR:60440)
Step 4: Print the Term Deposit Advice (Original) (SCR:0503)

Deposit/CC/OD Accounts & Services -> Enquiries ->
Term Deposit (Original)
Enter the Account No., Receipt No. and Prefix.
The transaction is sent for authorization.
Select the Printer "Q"

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DEPOSIT ACCOUNTS – STD

Navigation:
Step 1: Fill in
Under Core Options:
Product Type: 02 - STD
Term: Select the slab period (7- 14 days or 15 – 29 days ...etc)
Interest Options : Re-invest (default)
Under Term Options:

Term Length – No. of days
Interest Frequency - Maturity
Step 2: Funding the account :

Cash (SCR: 1010) or
batch entry screen.


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DEPOSIT ACCOUNTS – RIP

Creating Deposit Account /Editing Account Details
Navigation:
Step 1: Fill in
Under Core Options:
Product Type: 03 - RIP
Term: Select the slab period (1 yr < 2 Yrs or 2 yr < 3 yrs ..etc)
Under Term Options:

Term Days < 29 / Term Months < 12 / Term Years < 10
OR
Date of Maturity
Step 2: Funding the account:

Cash (SCR: 1010) or
batch entry screen.

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DEPOSIT ACCOUNTS - RD
Creating Deposit Account /Editing Account Details
Navigation:
Step 1: Fill in
Under Core Options:
Product Type: 04 - RD
Term: Select the slab period (1 yr < 2 Yrs or 2 yr < 3 yrs ..etc)
Under Term Options:
Term Basis - Months (always)
Term Length – No. of Months (always)
Term value deposited – Should not be filled.
RD Expected Instalment : Instalment amount
RD Instalment due date : By default it is 31 (the last day of the
month) If entered, it overrules the default date)
Instalment frequency: Monthly
Step 2: Funding the account :
Cash (SCR: 1010) or
batch entry screen.

Step 4: Print the Passbook
a) Print the Cover page (SCR:0500)
b) Update the Passbook (SCR:0600)

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Closure of deposit accounts:

(a) Transaction amount should NOT be filled in for the Term Deposit closure.
System will automatically picks up the same and credit the account. In respect of
SB / CA the account balance alone is to be filled in the Transaction amount.
(b) While closing TD a/cs, on transmission by the maker, system will ask for
supervisory override with a warning that the deposit is for premature closure.
Give the user ID of the maker and password, system will go further. Similar
supervisory override will be asked for checker also.
Account once closed is CLOSED FOREVER
(c) Cash Closure – After transmission, the amount payable to the customer with
details of actual period, eligible rate of interest, tax to be deducted, net interest to
be paid etc. will appear. On transmission Q will come.
(d) Transfer Closure – Go for Enquiry before transmitting. System will provide
amount payable etc. Thereafter the transaction can be transmitted.
(e) Before closure of deposit, please ensure that Tax exemption is marked for
the accounts if Form 15G/H has been obtained. If not, please mark the same
and proceed for closure. Else, system will deduct Tax at source.
(f) Before closure of deposit, please ensure that the interest transfer method is
Reinvest / Transfer to SB (can be viewed in Deposit Amend Tabbed details
screen).
(g) Closure of accounts (Transfer) can not be done in Batch Transactions.
(h) Hold, if any, is to be removed before closure. If hold is there, system will not
allow closure of deposit / payment of interest on deposit (If hold value is
exceeding the Deposit amount)

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CREATING JOINT ACCOUNTS

Create Personal Customer ID for all the joint account holders
Open an account for Primary (first) Customer
Adding second and subsequent joint account holders

Navigation: Customer Management  Create  Link CIF to Account (SCR :
60455)
Step 1: Fill in
CIF No of the Person to be made the joint a/c holder.
Primary system: CIF
Associated Account: Account No. (of the Primary a/c)
Link Indicator: C-CIF Link
Transmit.
(Repeat for each customer to be added)
Setting Mode of operations
Navigation: Deposits/CC/OD Accounts & Services  Amend  Deposit/CC/OD
Account (Screen No 7050)
Input Account Number
In Option, choose B: Mode of operation; Click “Transmit”
Upon transmission choose the option 2 or 3 or 4 and change ‘0’ to ‘1’ & Transmit.
Changing Account Names:

Navigation: Deposits/CC/OD Accounts & Services  Amend  Deposit/CC/OD
Account (Screen No 70 50)
Input Account Number
In Option, choose : Account Names; Click “Transmit”
Erase the name appearing under ‘Short name’ and enter Joint names and Transmit
Step 2: Funding the account
Cash : 10I0 or
Cheque : 1020 or
Transfer: I045 / 51073
Step 3: Print SB Passbook.

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OPENING A MINOR ACCOUNT
Creating a Minor Customer

Navigation: Customer Management  Create  Create Personal Customer
• Create a CIF as Personal Customer as given in Page 22.
• Transmit and get the Customer Number.
** The system will identify the account as a Minor Account by calculating the age of
the customer with the date of birth given.
Opening Account
Navigation: Deposit/CC/OD Accounts & Services  Create  New Deposit
Account
Apply the Existing CIF/Account No.  Create Deposit Account as in other cases
During authorization the warning message that a Minor account is being opened will
be indicated as a message. Will require a supervisor override.
Set relationship
Customer Management  Relationships/Ownership Relationships (Screen No
60440)
Input guardian’s customer ID (Guardian should have been created as a customer
first)
Relationship Required: choose 9428: Guardian to Minor Customer.
Click “Transmit”
On the return screen, input CIF of the Minor and select ‘Customer Information
Master’.
Click “Transmit”
Set Mode of Operations:
Mode of operations can be set as Self or Through Guardian by amending the Mode
of operations detail.

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CLOSURE OF DEPOSIT ACCOUNTS
GENERAL :
If the account is an ATM Account, the User Code attached for ATM transaction has
to be first removed.
Go to DEPOSIT/CC/OD Accounts & Services -> Amend
-> User Codes
Remove ‘1’ found to the left of ‘No ATM Access’
Transmit.
The transaction is authorized by a checker and message ‘OK’ appears.
Step 1: Transaction Posting -> Deposit/CC/OD Account Closures ->

Closure (Credit Balances)
Select Cash (SCR No. 3060) OR
Transfer (SCR No. 3045) OR
By Bankers’ Cheque/DD (SCR No. 3080)
SITUATION 1: CASH CLOSURE :
Open the SCR No. 3060

Fill in the Account Number.
Transmit.
Step 2: The checker picks up the transaction from the Queue and Authorizes.
On authorization a ‘Cash Closure 2’ screen appears for the
Checker to verify the correctness of the data.
(The additional interest to be paid in the account is automatically
credited into the account.)
On transmitting now, another queue is generated.
Step 3: This transaction is now required to be authorized by another

checker with a minimum capability of 9.
On authorization it generated another queue number under 70
capability.
Step 4: Any Teller, authorized to carry out Cash transaction, can pick up the
transaction from the queue.
On accepting the transaction the Cash drawer is open and Cash can
be paid. On proper payment of Cash, Cash drawer is updated.

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SITUATION 2: TRANSFER CLOSURE :

Fill in: a. From Account No.
b. Book/Account Balance
c. To Account No.
Transmit
Step 2: The transaction is picked up from the queue by the Checker and
Is authorized, if found correct.
The account is closed and the net amount, after deducting the necessary charges,
is credited to the transferee account.
SITUATION 3: CLOSURE BY ISSUE OF DD/BPO :

Fill in Account Number
Select Banker’s Cheque or Demand Draft
Transmit.
Step 2: On authorization by the Checker, a Journal Number is

Created and displayed.
The Journal Number may be used to generate DD or BPO, as per the

procedure explained earlier under ‘Remittances’.
Besides generating Journal Number, the system also prompts a

message for getting the passbook printed. This may be used for
Getting the passbook printed.
ROLL OVER OF DEPOSIT ACCOUNTS
At the Beginning of the day of the maturity date of the deposit, system will roll over
the matured deposit for an equal period of the original deposit / 1 year whichever is
LESS with the present applicable rate of interest. A report and advice will be pushed
along with BOD reports.
If any modification in amount / period is required, branch has to close the deposit
and open afresh. The modification has to be done before 14 days since backdated
opening of deposit is permitted only for 14 days.

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DEPOSIT ACCOUNTS - CC/OD
Create CC/OD Account

Navigation: Deposit CC / OD Accounts & Services  Create  New CC/OD
Account (Screen No 62000). Choose “Create CC/OD account” from the drop-down
Step 1 : Fill in: Existing CIF No. or Account Number
Select ‘CCO – Create CC/OD Account’
Transmit
A new Screen (SCR No. 2013) opens
Fill in Account Type: 2411 (OD) OR 2511 (CC)
Sub-category : 1101
Transmit and get the Account Number
Sanction of limits
Navigation: Deposits/CC/OD Accounts & Services  Create  CC/OD Limit &
Details (Screen No 2009)
Enter Limit details (Application amount)
Step 2 : Fill in
a. Account Number
b. Limit
c. Rate for the limit, excess rate, commit rate, expiry rate
d. Expiry Date
Usually for interest rate, excess rate, commit rate will be ‘0’ and Product default
Expiry rate will be 2 and select ‘Incremental’.
If ROI is other that default product rate, fill the ROI if fixed rate and select ‘Set rate’.
If additional interest over and above the Product default rate, then fill the additional
rate and select ‘Incremental’.
Transmit
Step 3 : On the checker authorizing the transaction, SCR No. 2015 is opened for
recording additional details. (This can be ignored, since it has not yet been
configured for our Bank). Close the screen.

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Approval of limits
Navigation: Deposits/CC/OD Accounts & Services  CC/OD Processing  CC/OD
Approval. (Screen No 2420)
Step 4 : Fill in
a. Account Number
b. Approved Amount
c. Transaction Date
Transmit
A queue Number under 15 capability is generated.
Step 5: The transaction is to be picked up by Teller with 15 capability and

authorized.
This gives a message ‘OK’.
Step 6: Go to
Common Processing -> CISLA
Fill in the required particulars & Transmit.
Step 7 : Cheque Book Issue

a) Cheque Personalisation (SCR:50216)
b) Cheque Book Order (SCR:50212)
c) Issue Cheque Book (SCR:50213)
Recording Security
Navigation: DL/TL Accounts & Services  Security (Primary/Collateral) 
Customer  Create Create Security (Screen No 62000). Choose appropriate
alternative in “System” drop-down
( OR Create Additional Security Details (Screen No 62147))
Input Security Details, Margin, Expiry date, etc
For recording Insurance details:
Customer  Create Create Security (Create Insurance Details) (Screen No
62000). Choose appropriate alternative in “System” drop-down
Insurance for CC/OD should be considered as ‘Deposit Insurance’.
For recording Recital details:
Customer  Create Create Security (CreateRecital) – only where security is
landed property (Screen No 67161)
Step 8: Creation of Security
Select COL – Create Collateral Secuirty
Fill in the required particulars

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Select ‘Create’
Transmit – The system opens a second page.
Note down the ‘Collateral Number’, fill up the requisite particulars
and Transmit.
The system displays ‘OK’ message.
Step 10: Authorisation of Security
Go to
DL/TL Accounts Services -> Security (Primary/Collateral) ->
Customer -> Amend/Enquire/Authorize -> Authorize Security
Fill in the Collateral Number
Transmit
Step 11: During authorization, the system will require the Checker to
Enter his User ID and Password.
On authorization, a ‘OK’ message appears.

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4. LOAN ACCOUNTS OPENING & CLOSING
Create Loan Account (Other than Jewel Loan) – In respect of Jewel Loan Step
Numbers 3, 4 and 8 are not required)
Navigation: DL/TL Accounts & Services  Create  New Account (SCR No
62000).
Choose “Create Loan account” from the drop-down
Step 1 : Fill in:
Existing CIF No. or Account Number
Select ‘LON – Create a Loan Account’
Transmit
Fill in
Account Type
Interest-category
Application Amount
Loan Term (always in Months)
Transmit.
The Account Number will be available in a screen in the background. Note
down the a/c No. and close the screen.
Step 2: Go to
Common Processing -> CISLA
Fill in the required particulars & Transmit.
Step 3: Go to
DL/TL Accounts & Services -> Loan Processing ->
General Disbursement Schedule
Select ‘1: Create/Maintain’
Transmit
Create a disbursement Schedule for the loan sanctioned
Fill up: From date, To date and Amount to be Disbursed
Transmit.
Step 4 : Go to
DL/TL Accounts & Services -> Loan Processing ->
General Repayment Schedule
Fill in the Account Number
Type of Repayment
Transmit
Fill in the requisite particulars
Transmit

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The System generates a queue under 9 capability and needs to be authorized

by an Officer.
Step 5: Creation of Security

Go to
Customer -> Create -> Create Security
Fill in the required particulars
Select ‘Create’
Transmit – The system opens a second page.
Note down the ‘Collateral Number’, fill up the requisite particulars
and Transmit.
The system displays ‘OK’ message.
Step 6: Authorization of Security (to be done by Officer with Capability 9 or

above.)
Go to
Customer -> Amend/Enquire/Authorize -> Authorize Security
Fill in the Collateral Number
Transmit
The system will require the Checker to
Enter his User ID and Password and select action ‘Authorise’
On authorization, a ‘OK’ message appears.
Step 7 : Loan Input Validation
(to be done by Officer with capability 9 or above.)
Go to
DL/TL Accounts & Services -> Loan Processing -> Loan Input Validation
Fill in
a) Account Number
b) Approved Amount
c) Transaction Date
Click on the ‘Short Enquiry’ Button.
Ensure that all the details are correct and Security creation has been
completed.
On transmitting, the system gives ‘OK’.
Step 8 : Loan Acceptance
Go to
DL/TL Accounts & Services -> Loan Processing ->Loan Acceptance
Fill in the Account Number & Transaction Date
Transmit

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Step 9 : Loan Disbursement

Go to Transactions Posting -> Loan a/cs. (DL/TL) ->
Approval/Disbursement ->
Cash or Transfer to Deposit a/c or Transfer to GL as the case may be
and do the transaction.
The system now generates a queue under 15 capability and
needs to be authorized by BM or ABM.
LOAN CLOSURE
Step 1: Transaction Posting  Loan Accounts  Loan Closure

Enquiry for Closure (SCR 13000)
Enter the Account Number and click on Transmit
System will show the amount of Discharge.
Step 2: Transaction Posting  Loan Accounts  Loan Closure

Closure by Cash (SCR 13010) / Transfer from Deposit
Enter the Account Number, Enter the discharge amount & transmit
Get the Q authorised.

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Simplified Jewel Loan Creation
Create Loan Account (Jewel Loan alone)

Navigation: DL/TL Accounts & Services  Create  New Account (SCR No 62000).
Choose “Create Loan account” from the drop-down
Step 1 : Fill in:
Existing CIF No. or Account Number
Select ‘LON – Create a Loan Account’
Transmit
Fill in
Account Type
Interest-category
Application Amount
Loan Term (always in Months)
Transmit.
The Account Number will be available in the next screen. Note down the a/c
No.
Select ‘Yes’ from the drop down marked above. On selection, additional fields will be
displayed. The progress bar in the bottom of the screen indicates the tasks to be done to
complete the process.

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Complete the entry with relevant details and click ‘Input Validation’. A queue will be
generated and to be authorised by an officer. If the entry is initiated by an officer, Input
Validation will be done at this stage itself.
On Clicking ‘CISLA’, ‘OK’ message will be displayed and ‘Collateral’ button is made
visible.

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On clicking ‘Collateral’ Button, the above screen is displayed. Note down the Collateral
number and fill in the required details.
Click ‘Transmit’. The entries will be saved and collateral is to be authorised by the checker.
On clicking ‘Transmit’ in the collateral screen, disbursement is to be made in the above

screen. Cross check the details and click ‘Transmit’. Queue will be generated for
authorisation. If initiated by an officer, the posting will be done.

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5. DL CORRECTION / REPAYMENT SCHEDULE REGENERATION
Irregular Loan Balance file generated and pushed to the branches will contain
details of accounts wherein OVERDUE is there.
There are occasions in which the rephasement of loan will take place or correction
of repayment terms will happen. The following steps are to be carried out for
performing the above.
Step 1: Go to SCR 10400 – Note down the balance and Theo(ritical) balance
(Drawing Limit) in the screen.
Step 2: Go to Common Processing  Overdue/NPA  Increase DL  Enter the

difference between Theo Balance noted in the 10400 screen and actual DL.
Step 3: Go to DL/TL  Amend Tabbed Loan Details screen  Verify the Loan Term
 It should be equal to number of months between application date and final date
of repayment  If not, modify the same  Transmit and get the Q authorized.
Step 4: Go to Common Processing  Generate Repayment Schedule Theo Loan

Balance  Give the correct month in which principal repayment starts (next month /
next due date) and correct month in which interest repayment starts (next month /
next due date) and frequency (monthly/ end of term etc.)  Transmit and get the Q
authorized.

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6. REMITTANCES
BPO / DD on Own Br/IB – Single / Multiple Remittance
RECEIPT OF FUND§ (for both single / multiple remittances)

(Parking the amount in Intermediate account DD to be issued a/c, BC to be issued
a/c etc..)
Step I: Receive the funds from customer
SCR: 20010 - for CASH
(For more than Rs.50000 PAN No is compulsory)
SCR: 21031 - transfer from Deposit
SCR: 20045 - transfer from GL
SCR: 51081 - transfer from Deposit through cheque
Step 2: Select the Remittance type (DD / BC etc)

Enter the commission amount
(Commission can also be picked from commission calculator
provided at the bottom)
(Calculate the commission for individual DD amount)
Transmit.
Step 3: The checker picks up the transaction from the Queue and authorizes if
it is found correct.
The voucher is returned to the group queue with a ‘Journal No.’
(only one journal No. will be generated)
ISSUE OF REMITTANCE (Single)
(Printing of Instruments & crediting the amount to respective BGL accounts Drafts
/ BC a/c etc..)
Step 1: Select Inland (Rupee) Remittance -> Issue -> Single Remittance
Enter the Journal No & Journal Date
(Noted in the voucher during receipt of funds)
Select the Remittance type (DD/BC/GC) - Transmit
Enter the Prefix & instrument No (If automatically generated, check)

(Fill in the same DD No. at both from & to columns)
Pay Bank = 0 (Default) for DD on own Branches; 1 for DD on
Indian Bank.
Click on Search option for BRANCH number. Search & return
Branch Code.
Enter the beneficiary Name (Applicant’s Name, if it is a Cash
transaction)

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Charges Received : Yes / No

Select the inventory Sub Category as 1 for DD and 5 for BPO
Transmit (Print option can be used if running stationery is available)
Get the Q authorized.
ISSUE OF REMITTANCE (Multiple).
Step 1: Select Inland (Rupee) Remittance -> Issue -> Multiple

Remittances-DD,BC,GC
Select the Remittance type (DD/BC/GC)
Enter the Description
Fetch & Create Batch.
Note down the Batch ID
Step 2: ADD ROW

Enter the amount for the respective DD.
Enter the Prefix & instrument No (If automatically generated, check)
Pay Bank = 0 (Default)
Enter the Pay branch & press "TAB" (Branch Name will appear)
OR
Search option is available ("BRANCH")
Enter the beneficiary Name
(Applicant’s Name, if it is a Cash transaction)
Charges Received : Yes / No

Note: for At Par Transactions - always N/A.
(Repeat adding rows till details of all the DDs have been included.)
Step 3: Verify that the Batch Total is equal to Control Total

Print Batch
Verify that draft is OK
(for continuing stationery only)
Print/Transmit
(Printer is to be selected for each DD individually)
Step 4: The transaction will go to Checker with Q. No & Ref. No.

The Checker will pick up the item from GROUP "Q" and if it is
correct authorize the transaction.
A “OK” message appears.

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Cancellation of DD on own branches / Indian Bank.
Step 1: Create a Batch Transaction  Debit DD Issued & Cancelled a/c

Credit Customer a/c. Submit Claim to HO
Step 2: On receipt of claim amount from HO through c2c

Debit C2C  Credit DD issues and cancelled a/c
Cancellation of BPO (Banker’s cheque).

Create a Batch Transaction  Single sided remittance Payment (make cancellation
flag Yes) Credit Customer’s account.
Inland Rupee remittance:
(a) DD on Indian Bank - Module is fully automated since all branches are under
CBS. No need to send advices / reports to HO – At the time of issue of DD by
branches, system will credit the BGL account of HO directly. HO will get
consolidated report and text file for Indian Bank. Total in the report will tally with
the Balance in the DD on IB a/c at HO. Branch will get DD issued report.
(b) DD on Own Branches – At the time of issue of DD by branches, system will
credit the BGL account of HO directly. At the time of payment / Cancellation
system will debit this account directly. Consolidated report will be provided to HO
with the details of issued but not paid/cancelled. Total in this report will tally with
the balance in the DD between Core Branch a/c at HO.
(c) Receipt of Funds for remittance: Transfer from deposit / GL will accept
only ONE - From account number. In case fund is to be received from multiple
accounts, these amounts are to be transferred to Parking account and fund for
DD is to be received to the debit of parking account.
(d) Issue of remittance (multiple): Maximum number of DDs in batch is 25.
Information in any row can be modified (except the option 0-Own Branch / 1
–Indian Bank) but the row should not be deleted. If deleted, row can not be
added. In such case, the amount under System DD to be issued / System BPO
to be issued is to be transferred to Parking Account thru’ a batch transaction
after BGL unblock (BGL unblock option is available in the officer menu to allow
operation in the system generated accounts and that should be used only for
limited purpose and immediately thereafter the BGLs should be blocked.)
(e) Cancellation of DD on own Branches: Go to Batch transaction – add a row
with transaction base - GL Single Sided remittance payment and enter the
details of DD – Make the cancellation flag as Yes – add another row for deposit
credit – In case of cash DD, amount should be credited to Parking account and
payment is to be done to the debit of parking account.

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(f) Payment of DD on Own branches:

(1) If the amount of DD is available in DDs payable (advice received prior to the
branch became CBS) then debit DDs Payable. Over a period of time, balance in
DDs payable should become Zero.
(2) If the DD is issued prior to either issuing branch / paying branch became
CBS, then debit IBGA-RRB in Transfer Batch and make payment.
(3) If the DD is issued by CBS branch on CBS branch then Go to Batch
transaction – add a row with transaction base - GL Single Sided remittance
payment and enter the details of DD – add another row for deposit credit – In
case of cash DD, amount should be credited to Parking account and payment is
to be done to the debit of parking account.
(4) If advice has been received for DDs paid under DDPWA, then debit
IBGA-RRB in Transfer Batch and credit DDPWA. This head should become NIL
over a period as there will be no addition.
(g) Correction transaction for wrong receipt of fund for DD / BPO / Transfer
from one account to another:
There are occasions wherein branch might have entered full amount (including
commission) in the DD / BPO amount / wrong transfer and authorized. In such
case transaction can be reversed before issue of DD / BPO. Go to View Journal
 remove the teller ID  enter the transaction amount (including commission)
 click on execute  Select the transaction displayed  Click on
CORRECTION  transmit the screen populated  Q will come and get it
authorized  If it is Cash, payment Q will come. Pay the amount and enter the
receipt of funds transaction with correct figure.  If it is Transfer, the amount will
be credited back to the original transfer from account. Enter the receipt of funds
transaction afresh with correct figure.
(h) Enquiry for pending items under System BPO / DD to be issued / Issued:
Branches issue DD/BPO manually and enter the same in the system thereafter.
They have to issue BPO / DD in the system on the date of receipt of fund itself.
Else, the paying branch will face difficulty in payment since matching records
will not be found in the system for payment resulting into customer complaints.
Some times branches will omit to note the Journal number of DD / BPO while
authorizing the transaction. Interest on FD is also moved to system BPO to be
issued at SOD. Journal number is required for issue of BPO. Paying bank may
like to verify the details of the DD presented for payment. Issuing branch may
like to verify the status of the DD issued before issuing duplicate DD. Facility is

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available for viewing the System BPO/DD to be issued / Issued. Inland rupee
remittance  enquiry  other remittance  enter the branch code  select the
status To be Issued  Click on Search. System will show the pending DDs.
Change the remittance type from Demand Draft to BPO. System will show the
system BPO to be issued. Change the status to Issued system will show the
issued DDs / BPO. Details of System BPO/DD to be issued as on the previous
day is also available in the Help Desk.

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7. CASH REMITTANCE
INWARD CASH REMITTANCE (BRANCH RECEIVES CASH REMITTANCE)
Step 1: BGL -> Credits -> Cash (SCR:20010)

Enter the BGL Number of C2C (if it is from own branches)
OR BGL Number of Balance in CA with Indian Bank (if it is from IB)
Transmit
Step 2: Cash Drawer Pops up
Enter the Denomination in the "IN" column
Transmit
Step 3: Get the Q authorized.
Step 4 In a transfer batch the amount in parking account is to be transferred to
other branch under C2C.
OUTWARD CASH REMITTANCE (BRANCH SENDS CASH REMITTANCE TO

OTHER BR)
Step 1: BGL -> Debits -> Cash (SCR:20060)

Enter Funds-in-Transit A/c. No. (99879+br.code+CD)
Amount (to be remitted)
Name of the Staff (who will carry the cash)
Reference number is to be given manually.
Transmit.
On Authorisation, it creates a Queue No. under Group Queue 1.
Step 3: The paying Teller picks up the Transaction from Group "Q"
and ‘ACCEPT’.
Cash Drawer Pops up
Enter the Denomination in the "OUT" column.
Transmit
Cash Drawer gets updated and ‘OK’ message appears.
On receipt of Credit advice from Other branch:
Step 5: Batch Transaction to be created

Debit C2C
Credit Funds-in-Transit A/c. No. (99879+br.code+CD)
Transmit.
Step 6: The Checker will pick up the item and authorise the transaction.

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OUTWARD CASH REMITTANCE (BRANCH SENDS CASH REMITTANCE TO I.B./

BANK)
Step 1: BGL -> Debits -> Cash (SCR:20060)

Enter BGL Number of Balance in CA with IB / Other Banks.
Amount (to be remitted)
Name of the Staff (who will carry the cash)
Transmit.
On Authorisation, it creates a Queue No. under Group Queue 1.

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8. TRANSFER BATCH
Step 1: Batch Transaction> Batch Entry screen

Select Transfer batch screen
Step 2: Enter the description and "CREATE BATCH"
Note the Batch ID
Step 3: Start Data entry: ADD ROW

Select from dropdown appropriate head (GL Credit, Deposits Credit etc.,)
SCR: 1030 for Deposit account Credit

SCR: 1050 for Deposit account Debit
SCR: 11030 for Loan account Credit

SCR: 11050 for Loan account Debit
SCR: 20030 for GL account Credit

SCR: 20050 for GL account Debit
SCR:51072 Debit thro Cheque Transmit
Fill in the particulars, as required by the respective screen selected.
Verify whether Control Total = Batch total

Transmit.
[The system will not allow transmission till the batch is tallied.]
Step 4: The transaction will go to Checker with Q No & Ref No

The Checker will pickup the item from GROUP "Q" and if it is correct
authorize the transaction.
Step 5: “Batch successfully Posted" message will appear

(If there is no error)
(OR)
"Batch Failed -Intimate the Maker"
Step 6: In case batch has failed,

Batch Transaction> Batch Entry screen
Select Transfer Batch Screen
Using Batch ID select the BATCH transmitted
Step 7: Verity the transactions that are failed

Note down the error
Pass the necessary rectification error and retransmit.

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9. Tax Deduction at Source (TDS)
Following are the inputs required from the users for TDS:
To Record exemption from tax deduction of customers

1. Go to TDS menu  TDS Details.
2. Enter the customer no (CIF no),
3. Select the entity type as customer,
4. Enter the branch no
5. Select the required action (C:Create for recording exemption)
6. Enter the tax year for ex: 2019-20
7. Select Form 15G/15H (for individuals) / Mark Tax Exemption (for
non-individuals) and press transmit.
8. A new screen (000515 Deposits: Create/Amend Exempt/Cncs cert)
will appear.
9. Enter the certificate no and press transmit.

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10. C TO C MODULE
Workflow For Transactions Between Core Branches

1. All Inter branch transactions are to be routed through C2C only.
2. All Inter branch transactions are to be entered only in BATCH
3. C2C entries are to be responded before EOD and there should be no
outstanding under C2C at the time of EOD.
4. Originating Debits (86904) under C2C is not permitted.
At the originating branch
Transactions are to be entered ONLY in BATCH.
1. Add a row for Debit

2. Add a row for GL Credit
a. Do Not Enter the a/c Number - Keep it BLANK – System will pick up
the number on transmission.
b. Enter the amount of Transaction
c. Enter the Narration (Transaction details in Full )
d. Select the option ‘Yes’ against Core to Core
e. Select the option ‘Originating’ against Transaction Type
f. Select the Number ‘86903’ against IL/OL BGL
g. Enter the Number ‘12’ against Service Number
h. Enter the Other (Responding) Branch Code (5 digit CBS Code)
i. Enter the Advice Number for the transaction
j. Enter the Responding Branch Name (if not picked)
k. Originating date will be populated automatically
l. TRANSMIT – System will populate a reference number and the GL
credit account number (of the responding branch) and add a row in
the batch.
Reference Number will have 20 digits comprising of last 4 digit of
originating Branch code + 6 digit originating date (yymmdd) + last 4
digit of responding branch code + 2 digit service number + 4 digit
advice number.
m. Transmit the Batch and get the Q authorized.

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• Now the amount will be directly credited to the BGL account (86903) of the
Responding branch.
• No need to send advice / statement to HO.
• This can be used for OBC realization, Credit for funds remittance received
etc.
At the Responding Branch
All branches should verify the credits available in their BGL 86903 every two hours
and reverse the entry as per the procedure given below. Branches should not keep
any item pending in BGL 86903 at the time of EOD.
• Go to BGL – Reconciliation – Reference Number Search – Enter the BGL
Number 86903<CBS code of the branch><check digit> - click Search.
• If any item is found, copy the reference number
• Go to Batch Transactions – Batch Entry Screen – Enter the narration (Full
narration with the purpose of the transaction) – Click Create Batch – Click
Add Row
• Select the Transaction base – GL debit
a. Do not enter the GL account number – Keep it Blank – system will pick
up.
b. Enter the amount of Transaction
c. Enter the narration
d. Select the option 'Yes' against Core to Core
e. Select the option 'Responding' against Transaction Type
f. Paste the Reference Number and click on the account number
g. Other details viz. IL/OL BGL, Service Number, Originating branch code
and name, advice number and advice date will be populated.
h. Click on Transmit – GL Account Number 86903<CBS code><CD> will be
populated and entry will be created in the batch. Close the screen
• Add other rows for crediting the Deposit / GL accounts as the case may be
and transmit.
• Once the batch is tallied – Transmit and get the Q authorized.
• The reconciliable GL entry is now reversed.

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Cancellation of C to C Transaction. (In case of wrong details fed & authorized)

• Go to Batch Transaction – Batch Entry Screen – Enter the narration – Click
create batch – click add row.
• Select the transaction base – GL debit
• Do not enter the GL account number – Keep it Blank – System will pick up.
• Enter the amount of transaction
• Enter the narration
• Select the option ‘Yes” against Core to Core
• Select the option ‘Cancellation’ against Transaction Type
• Enter the reference number and click on account number.
• Other details viz. IL/OL BGL, Service Number, Responding branch code and
name, advice number and advice date will be populated
• Click on Transmit – GL Account Number 86903<CBS code><CD> will be
populated and entry will be created in the batch. Close the screen
• Add other rows for crediting the Deposit / GL accounts as the case may be
and transmit.
• Once the batch is tallied – Transmit and get the Q authorized.
• The reconciliable GL entry is now reversed.

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11. Product / Home Branch Change
Product Change: Some branches have opened accounts in product codes not
available in our Bank. This will lead to Asset / Liability balancing since the mapping
CGL / Qualifiers for interest will not be there. Branches should restrict opening of
account under products available in the Training manual / HO circulars. Branches
are advised to get exact product codes from HO/RO for loans sanctioned by them
before creating loan master.
If an account is opened with wrong product code, it can be changed using the menu
(provided they are permitted products for change)
• Deposit – Amend – Deposit a/c – enter the account number – select option
No.9 – Account Type / Home Branch change – Transmit – Change the
Account type and sub category and transmit – Get the Q authorized.
• DL/TL – Amend – Loan details – enter the account number – select option 5
– Account type / Home Branch change – Transmit – Change the Account
type and sub category and transmit – Get the Q authorized.
• Interest will be calculated by the system from the date of opening till the date
of product change and will be taken to the income / expenditure in the old
product and will be reversed in the new product. This will not make any
change in the account balance. Account will be debited / credited with
interest only on the next interest capitalization date.
• GLIF will be there for the interest portion for which qualifier is not there. This
has to be rectified thru’ Branch Administration – Adjustment Posting – BGL
Debit / Credit Adjustment (under the guidance of HO)
Operational restrictions are there in respect of No-Frill accounts. System will not
permit cash withdrawal of more than Rs.50000/- in these accounts in a day. In such
cases, the accounts are to be changed to Normal products (provided necessary
identification proofs are obtained) as per the procedure given above.
Wherever product changes are not permitted, new account is to be opened with
back dated interest (permitted only for deposit and for back dating beyond 14 days,
parameter team has to make necessary modification in the parameter) / from
current date and the balance in the existing account is to be closed by transfer of
funds between old and new account.

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Transfer of Account from one branch to another Branch: There is no need to close
the account in one branch and transfer the balance to another branch for the
purpose of home branch change for any account. Simple amendment of Home
Branch is sufficient to carry out this task.
Deposit Accounts:
Navigation: Deposit – Amend – Deposit a/c – enter the account number –

select option No.9 – Account Type / Home Branch change – Transmit –
Change the Home branch – Transmit – Authorise.
Loan Account: Follow the steps:
1. Before home branch change for a loan account, the new branch has to give
consent(approval) to receive the loan account (for the home branch change).
Navigation: Consent Master Home Branch Change Prompt Input the

Account NumberSelect System: Loan
Option: Approval
Transmit and
Authorise.
The account is now ready for home branch change.
2. The current branch can go to change the home branch.
Amend
Navigation: DL/TL Accounts & Services Amend Loan Details. In
this screen give inputs as under:
a. Give Loan Account Number
b. Select System: Loan
c. Option: 5:A/C Type Home Branch Change
Transmit and Authorise

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12. Renewal / Enhancement of OD / CC limits
Effective DP: System will permit withdrawals up to the Effective DP. Effective DP
can be seen in SCR 400 – enter the account number – select option 2 – Overdraft
Details. Effective DP = Minimum of Limit Sanctioned and (Security value less
margin). Effective DP will become Zero on the Expiry date of the limit. Hence if
difficulty is experienced in allowing withdrawal, it may due to insufficient security
value / expired limit.
Renewal of Limits without enhancement:

Step 1: Deposit CC/OD – amend – Deposit CC/OD – Enter the account number –
Select option 4 CC/OD limit details – Make the interest rate as zero and interest
type as Default product level in respect of product codes with interest at product
level – Make the interest rate as full rate and interest type as ‘set rate’ in
respect of product codes with interest at account level – Modify the limit expiry
date – Make the excess / expiry rate 2% and interest type ‘Incremental’ level –
Transmit – Get the Q authorized.
Step 2: Deposit CC/OD – CC/OD processing – CC/OD approval – enter the account
number and select option 1 – Renewal with charges – Transmit – Get the Q
authorized.
Renewal of Limits with enhancement:

Step 1: Same as above except the limit amount is to be modified with new limit.
Step 2: Same as above except selecting the option 2. Renewal with enhancement.
After the above activities are completed, the new limit / interest rates / Effective DP /
expiry dates are to be verified in SCR 400 – Option 2 Overdraft Details.

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13. Renewal of KCC
Step 1: Disburse fresh limit
Step 2: Change Product code to 5503-0028 (If the A/c is in non- subvent
product: 5503-0047,0048,0049,0050 )
Step 3: Go to Deposits/CC/OD Accounts and Services>>Amend>>Deposit CC/OD

Account>>Enter Account No>>Select CC/OD Limit Details
Step 4: Change Limit and Expiry Date
Step 5: Blank the Subvention End Date Field
Step 6: Change Standard Asset End Date
Step 7: Transmit and Authorise
Step 8: Go to CC/OD Processing>> CC/OD Approval>> Select Renewal with

charges>>Transmit>>authorise
Step 9: Go to Deposits/CC/OD Accounts and Services>>Amend>>Deposit CC/OD

Account>>Enter Account No>>Select CC/OD Limit Details
Step 10: Change Subvention End Date >> Transmit>> Authorise
Step 11: Go to CC/OD Processing>> CC/OD Approval>>Approval of Other Details
Please note:
1. Subvention End Date: It is the date upto which 2% Agri subvention is available
and the account will be changed to corresponding non-subvent product.
2. Standard Asset End Date: It is the date on which the account will become NPA
– SS. 365 days before that date, the account will become SMA-1 (if overdue
amount is not repaid) and 180 days before this date, the account will become
SMA-2 (if overdue is not repaid).

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14. Second / Further disbursement of Loan
Some loans like Housing Loan / Educational Loan are to be disbursed in stages. In
such cases, the status of the account will be PART and Disbursement amount will
be lesser than the approved / application amount. This can be verified in SCR
10400.
Step 1: Generate CISLA if not generated already.
Step 2: Go to DL/TL account services – Loan processing – Generate disbursement

schedule – Verify the correctness of approved amount, disbursed amount and
status – Ensure that earlier disbursements are appearing with corresponding dates
in the first / few rows. If not, enter the details with corresponding dates – In the next
row enter current date in - from date and to date columns and current amount of
disbursement – Transmit – OK message will come.
Step 3: Go to DL/TL account services – Loan processing – Generate repayment

schedule – Enter the account number – select amend option – method - Principal
Eq Distr/EMI – transmit – Enter the repayment start date / end dates – transmit and
authorize.
Step 4: Disburse the amount thru’ transfer batch debiting the loan and crediting the
respective account.
Additional Loan in LOD:

Additional loan can be disbursed in the same LOD account provided the security
value less margin is less than the amount of limit + additional limit proposed.
Step 1 – 3 are similar to the one stated in second / further loan disbursement.
Step 4: Go to DL/TL account services – Loan Processing – Additional Loan input

validation – Enter the account number – Enter the addition loan amount – Transmit
and get the Q authorized.
Step 5: Disburse the amount thru’ transfer batch debiting the loan and crediting the
respective account.

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15. Solution for issues faced in Security Creation
Branches face problem in disbursement of Loan / withdrawal in OD/CC accounts

because of improper security creation. Some of the reasons are discussed below.
Loan Against Deposit: While creation of security, security value / maturity value /
maturity date etc. are picked up by the system automatically from the Deposit
Account number. Interest rate is based on the interest rate applicable for the
first deposit account given in the first security for the loan. Hence branches
should put the deposit attracting higher rate of interest in the first column if
more deposits with different rate of interest is given as security. More than one
security can be created for LAD / OD against deposit if number of FD receipts
offered as security are more.
Hold flag should be set as YES while creating security. If it is not set properly
system will show irrelevant rate of interest for the loan account and will not allow
loan input validation.
Step 1: Branch has to go for DL/TL – Security – Amend – Amend security – Enter
the collateral number – Transmit – Select the details option in the next screen –
Transmit – In the next screen set the Hold Flag as YES in two fields – Transmit and
get the Q authorized.
Step 2: DL/TL – security – authorize security (by the officer).
Then go for short enquiry in the loan input validation. System will show correct rate
of interest.
Jewel Loan: If the security valuation / Banker’s valuation is not given / shortly given
in the first page of the security creation, the drawing power will become zero.
Security valuation and drawing power can be verified in SCR 10400. Drawing power
is arrived as 80% of the security valuation / Banker’s valuation / Net weight * per
gram rate whichever is lower. Branch can amend security in case of wrong entry
while doing security creation and then authorize the security.
Other Loans: Security type (like hypothecation of crops / Equitable mortgage etc.)
has to be selected based on the securities provided for other loans. Second screen
will be differing based on the type of security. In all cases, the drawing power will be
Security value LESS security margin.

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Enquiry of Security: Facility is available for enquiry of security available for an

account / customer. DL/TL – Security – Enquire Security – Give the account number
/ Customer number – It will show the linked security details with collateral number –
Select the collateral number and go for next screen – details of the security can be
seen.
16. Setting / Removal of Stop / Hold / Lien / Message

• Setting of Stop: If the identification proof are not entered as per KYC norms
while creating CIF, system itself automatically mark Stop in an account.
Requirement may arise to mark stop in an account for other reasons. Operations
in the accounts will be freezed by setting stop in the account. Navigation 
Deposits CC/OD accounts  Stop  Set Stop  enter the account number
 select the reason  Transmit and get the Q authorized.
• Setting of Hold/Lien: While creating security in respect of LAD / OD-FD system
will create Hold/Lien. While granting additional loan / increase the hold value /
mark hold for purposes other than LAD / OD-FD, the following menu is to be used.
Navigation  Deposits CC/OD accounts  Hold  Set Hold  enter the
account number, hold value, hold reason  Transmit and get the Q
authorized.
• Setting of messages: Messages can be set for the accounts. It will pop up while
authorizing any transaction in the accounts. Navigation  Deposits CC/OD
accounts  Message  Set Message  enter the account number,
message number and the message  Transmit and get the Q authorized.
• Removal of Stop: If the stop is for insufficient identity proof, then additional
identity proof is to be entered in the CIF amend screen as explained in Page 14.
Then go to SCR 450  enter the account number  Select the option Stop
transaction in the drop down in Transaction of this type  Transmit. Note down
the stop reason. Then go to Deposits CC/OD accounts  Stop  Remove Stop
 enter the account number  select the stop reason  Transmit and get the Q
authorized.
• Removal of Hold/Lien: If the hold is for security for a loan make the security
inactive. DL/TL account services  Security  Amend security  give the
collateral number  Transmit  Make the Status flag as Inactive  transmit and

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get the Q authorized. Then go to SCR 450  enter the account number  Select
the option Hold transaction in the drop down in Transaction of this type 
Transmit. Note down the Journal number, date of hold and amount. Then go to
Deposits CC/OD accounts Remove Hold  enter the account number  Enter
the Journal number / hold amount / date of hold Transmit and get the Q
authorized.
• Remove Message: Then go to SCR 450  enter the account number  Select
the option Message details in the drop down in Transaction of this type 
Transmit. Note down the Message number and Journal. Then go to Deposits
CC/OD accounts  Message - Remove Message  enter the account number,
the message number and journal no.  Transmit and get the Q authorized.

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17. Setting / Removal of Standing Instructions
• Setting of Standing Instructions: Facility is available for marking standing

instructions for transfer of funds from SB / CA to SB / CA / RD / Loan / BPO.
Navigation  Deposit OD/CC accounts  Standing Orders  Create
Standing orders  Enter the account number  Put S in the relevant box for
transfer  Transmit  In the next screen enter the Amount, To account
Number / BPO, Start date, end date, auto chase days, frequency of transfer
etc.  Transmit and get the Q authorized. System will effect the transfer @
SOD of the start date and subsequent months on the corresponding dates. If
there is no fund in the ‘From’ account, system will try @ EOD and on
subsequent days up to the number of chase days given. Report on
successful standing instructions and report on failed standing instructions will
be pushed to branch server @ SOD.
• Modification of Standing instructions: Navigation is as above but option will

be amend  Transmit  in the next screen enter M against the Standing
instruction to be modified  Transmit  In the next screen make the
necessary modification  Transmit and get the Q authorized.
• Deletion of Standing instructions: Navigation is as above but option will be

amend  Transmit  in the next screen enter D against the Standing
instruction to be modified  Transmit and get the Q authorized.
Stop Payment of Cheque / Removal of stop payment
• Marking Stop Payment: Navigation  Cheque Book Functions  Stop

Cheque  Set Stop Cheque  Enter the account number, cheque numbers
to be stopped From and To  Transmit and get the Q authorized.
• Modify/Removal of Stop Payment: NavigationCheque Book FunctionsStop

ChequeModify/Remove StopEnter the account number, function, cheque
numbers to be removed From and ToTransmit and get the Q authorized.

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18. Handling of Referred Transactions
• Referred Transactions arises when there is connectivity failure between

branch server and CDC server. Failure may be when the transaction
message is going to CDC server from Branch Server OR when the response
message is coming from CDC server to Branch Server. In any case these
transactions will be shown with Referred Status in the branch server. Officer
has to go to View Journal  select the status referred  remove the teller ID
 Click execute  Referred transactions will be displayed.
Cash Transactions:
In respect of payment, the authorizer will not get the Q to be given to the
cashier. Cash drawer could not be updated since payment Q will not be
available for the cashier to accept. In such a case, the officer has to view the
transaction in SCR 450 / 10450 / 20450.
If payment entry is found then the connectivity failure is at the time of

response message from CDC server. Go to View Journal  select the status
referred  remove the teller ID  Click execute  Referred transactions will
be displayed  select the row  Click Cash correction  Enter the Journal
No.  Click OK  Q will come. If the above method fails, then Cashier has
to make payment manually and the officer has to update the cashier’s cash
drawer thru’ transaction posting  cash maintenance  cash drawer
operaions  enter the cashier’s user id  click execute  again click the
cashier’s user id  click execute  He will get the cashier’s denominations
 Enter the cash paid in Quantity out column in the respective
denominations and click update  Message will come record updated.
(This is to be done when cashier is not doing any other transactions).
If payment entry is not found, then in status correction of View Journal 

tick set to reject  click OK  ignore the message that is appearing. Put the
transaction afresh.
In respect of receipt, the cash drawer of the cashier will not get updated. In
such a case, the officer has to view the transaction in SCR 450 / 10450 /
20450/ System BPO/DD to be issued.
If receipt entry is found then Cash Correction is to be done as stated above.

If that fails, then the cash drawer is to be updated thru’ cash drawer

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operations as stated above except entering the denominations in Quantity in

instead of Quantity out. Status correction is to be done for committing in
View Journal as detailed above.
If receipt entry is not found, then in status correction of View Journal  tick
set to reject  click OK  ignore the message that is appearing. Put the
transaction afresh.

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19. Handling of GLIF, Asset / Liability Balancing
• Transfer transactions are posted thru’ Liability Balancing account. In a transfer

batch we have multiple credits and multiple debits. System will post the debits
first and only when all the debits are posted it will go for posting credits. The
reason for the failure of the batch can be seen in Batch Search  execute 
select the batch (with status 5)  Return batch ID. Reason for failure will be
available against the Response message column. Branch should not create
new batch in lieu of failed batch since some transactions in this batch would
have been already been posted. Branch should not delete any Posted row.
Branch should modify the transaction if the details in the transactions are wrong
(like missing reference number for reconciliable GL heads like Sundry Deposit /
Sundries Receivable) and transmit. Get the Q authorized. If the transaction base
itself is wrong in a failed row (like Loan / GL credit is selected for Deposit
accounts – Error message will be No such Account) then fresh row is to be added
with correct transaction base and the failed row is to be deleted. Transmit the
batch after correction and get the Q authorized.
• Each and every debit will be posted as follows: Debit the respective account and
Credit Liability Balancing account. Each and every credit will be posted as follows:
Debit the Liability Balancing account and credit the respective accounts. When all
the rows in a batch are posted, the liability balancing will become Zero. In a batch,
if some rows are kept posted and some rows are unposted, then balance will be
there in Liability Balancing account and will be shown as GLIF. This has to be
adjusted before the end of the day.
• There are some instances, wherein the branch is selecting some wrong product
codes / wrong BGL (ie. product / BGL not available in the bank). There will not be
proper GL mapping for these products and transactions will go to Asset / Liability
balancing account. These can be verified in the New 132 column voucher
verification report / New 132 column GL Day Book and product code change /
reversal transaction for BGL head is to be posted.
• There are some instances, wherein there is no qualifiers (ie. Income /

Expenditure GL codes for interest / accrued interest posting) for some products.
This will also result in GLIF. This can be verified in the System Generated
Transaction report with the name LIABILITY BALANCING. Failure of one leg in
some direct transfer transaction may also result in GLIF. Posting the transaction

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twice without noticing the failed transaction in a batch will also result in GLIF.
These are to be rectified thru’ Branch Administration  adjustment posting 
Deposit / Loan / BGL debit / Credit adjustment.

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20. HOW INTEREST IS CALCULATED AND CAPITALISED IN CASE OF RIP IN

CBS
• Interest calculation in CBS for RIP is on quarterly compounding basis.
• Interest will be capitalized (added to principal) at account level only on

the date of closure / rollover.
• Every month system will capitalize the interest on RIP at GL level to the
debit of interest expenditure.
• In SCR 400 branch may see the Principal amount in the Balance column
and interest till date in the Interest Available field.
• Term Deposit Balance file generated at the month end will give the
Principal and Interest capitalized till the month end.
• Hence RIP GL will appear ONLY at the month end dates and will be
without difference.
• Interest is calculated on daily basis and the accumulated interest is

shown under interest available field.
• At the end of the first anniversary quarter (If a deposit is opened on

05/12/2018 – Anniversary quarter end is 04/03/2019) system will store
the amount in compounding amount column. This can be seen in SCR
440
• Interest from the next day will be on Principal + compounding amount.
• This process will continue every quarter and hence compounding is

taking place quarterly till maturity date.
• If the branch would like to assess the interest for one financial year (for
TDS purpose) it has to be calculated as follows.
• Note down the interest available for this account in the Term Deposit
file as on the 1st day of the financial year / date of opening of deposit
whichever is later. (a)
• Note down the interest available for this account in the Term Deposit
file as on the last day of the financial year / date of closure of deposit
whichever is earlier. (b)
• (b) – (a) is the interest for the current financial year.

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21. Conversion of ODCC account to Protested Bills

Pre Requisite : Account should have been marked as NPA.
For the OD-CC accounts which are already migrated to CBS as NPA Or
subsequently marked as NPA after coming into CBS, the branches can change the
Product, if required, to New Protested Bills Product code which is 2995 – 9999.
Step 1: Wherever limit detail is not available OR interest rates are not correct, the
branch has to create / amend it through Deposit/CC/OD Accounts &
Services>>Create OR amend >>CC/OD limit & Details before changing the account
to Protested Bills Product and approve the limit thru’ CC/OD Processing>>CC/OD
Approval menu >> Option AP(approval of other details).
Step 2: Go to Screen No.400 – Option 2 Overdraft Details and ensure rate of interest
and expiry rate are correct.
Step 3: For changing the Product, Go to Deposits/CC/OD Accounts &

Services>>Amend>>Deposit/CC/OD Account. In the screen, select Option:9
Àccount Type/Home Branch’ and transmit. In the following screen, under New
Details against Account Type select 2995 and against Sub-Category select 9999
and transmit. Authorise the queue.
Step 4: Go to Screen No.400 – Option 2 Overdraft details. The interest rate for the
account is moved against the field Expiry rate. System will calculate MOI at the
expiry rate.
Step 5:Separate menu is available in Common Processing>> Overdue/NPA >>

NPA Legal Case Tracking for entering suit filed details.
Conversion of Loan account to Protested Bills

Pre Requisite: Account should have been marked as NPA
For the Loan accounts which are already migrated to CBS as NPA Or subsequently
marked as NPA after coming into CBS, the branches can change the Product, if
required, to New Protested Bills Product code which is 6995 – 9999.
Step 1: Go to Screen 10400 – Verify the interest rate. If it is correct, no further activity.
If it is not correct, Go to DL/TL accounts & Services  Amend  Amend tabbed loan
details  Enter the difference in rate of interest in the Rate Increment Column (with +
OR – sign) Transmit and get the Q authorized. (eg 1: Correct rate 12% - System
rate 10%  Enter 2 in the rate increment. eg 2: Correct rate 12% - System rate 15%
 Enter -3 (minus 3) in rate increment.)

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Step 2: Go to DL/TL Accounts & Services>>Amend>>Amend loan details. In the

screen, Pl select 5:Account Type/Home Branch Change' against Option and transmit.
In the following screen, under New Details and against Account Type Pl simply type
6995 and against Category type simply type 9999 and transmit. Authorise the
queue.
Step 3: Go to screen 10400 - Verify whether the Account Type / Product code /
Interest rate are correctly appearing. System will calculate MOI at the interest rate
shown in 10400 screen
Step 4: Separate menu is available in Common Processing>>Overdue/NPA >> NPA

Legal Case Tracking for entering suit filed details

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22. PROCEDURE FOR ENTERING DPN / ACKNOWLEDGEMENT OF DEBT
Branches should aware that if the AOD date has not been moved to CBS system
during migration then it is essential to enter the AOD date so as to enable the system
to generate the AOD age wise report or Time barred DPN report. We bring below the
procedure to be followed.
Branches have to enter AOD details in respect of
• Accounts opened in CBS (at the time of next document renewal)
Procedure for entering DPN /AOD date for migrated and accounts opened in
CBS:
Go to COMMON PROCESSING  DOCUMENT RENEWAL  SETUP PROFILE

 Enter the following:
Account Number: Give the A/c No.
System (from drop down): Loan or Deposit (for OD/CC) as the case may be
Option: Select D: Document Renewal
Document type: 14: D-11 ACKNOWLEDGEMENT OF DEBT –CUM-SECURITY
Function: Select CREATE (for the first AOD)
On authorizing, a second screen will be opened for the authorizing Officer and he
has to enter the details as below:
Give the date of AOD in DOCUMENT DATE in dd/mm/yyyy format and transmit.
OK message will be displayed.
Procedure for entering subsequent AODs:
Go to COMMON PROCESSING  DOCUMENT RENEWAL  DETAILS and enter

the details as below:
Account Number: Give the A/c No.

System (from drop down): Loan or Deposit as the case may be
Option: Select D: Document Renewal
Document type: 14: D-11 ACKNOWLEDGEMENT OF DEBT –CUM-SECURITY
RENEWAL DATE: NEED NOT BE GIVEN HERE. THE DATE SHOULD BE GIVEN
IF FUNCTION IS ENQUIRY. Function: Select AMEND – (for the subsequent AOD)
Transmit and second screen will be opened for the same user. On the second
screen give the AOD date against the column: Doc. Revival /Submission Date.
Transmit and OK will be displayed.

__________________________________________________________________________________________________
23. ATM CARD REQUEST AND ENABLING ATM FACILITY FOR CUSTOMERS
We issue ATM RuPay Debit Cards, RuPay Premium Debit Cards and RuPay KCC
Debit Cards for our customers. The branches can obtain ATM application forms
from the customers and process for issuing the cards. We give below the procedure
for processing the request. There are two steps to be done by the branches.
Step 1 is to send the ATM request through CBS menu and Step 2 is to be done by
the branches after receiving the cards from Head Office and immediately on issuing
the cards to customers.
STEP 1 Sending ATM Card Request through menu:
• Obtain the ATM Card Application from the customers filled in all aspects. The
applications should be kept with the branch and preserve the same for future
reference.
• Go to menu: Customer Management  ATM Card issue Request  Give the
SB Account Number  Transmit
• In the next screen details will be populated
• Fill the mandatory fields like name to be printed on card, mobile number etc.
• Get the Q and authorize
The request as in step 1 sent by the branches will be centrally processed and Head
Office will receive all Cards and Pin Mailers. The branches should contact the
designated Officers only for any enquiries, disputes and clarification regarding cards
and pin mailers.
The Head Office then will send the cards and pin mailers separately to designated
Officers of the branches. The branches should keep a record in separate notebook
for the ATM requests sent with details such as Date of request sent, Account
Number, and Name. On receiving the cards, the Officer in charge of Cards should
enter the card number, date of receiving the cards, date of issuing to customers and
signature of the customers. Similarly the Officer in charge of pin mailers should
maintain a register to enter the details like date of receiving the pin mailers, account
number, name, date of issuing the pin mailers to customers and signature of the
customers. Both registers should be maintained separately and individually and the
Officer in charge will be the solely responsible for issuing the cards and pin mailers
to the applicant after verification.
On issuing the cards and pin mailers, the branch has to do the STEP 2 as given
below:
Go to Deposit/CC/OD/Accounts & Services  Amend  User Codes  Enter the
account number  Transmit On the next screen enable the ATM Facility by
changing the code from 0 to 1.  Transmit  Authorise the Q.

__________________________________________________________________________________________________
24. VALUABLE PAPER INVENTORY SYSTEM (VPIS ) CREATION
VALUABLE PAPER INVENTORY SYSTEM (VPIS) – AN INTRODUCTION:
All the security items used in the Bank are referred to as Valuable Paper. VPIS
module in CBS helps us to maintain the inventory of the security items. Following
are included under VPIS.
S. NO. SECURITY ITEMS FORMING PART OF VPIS

1. DD / Bankers Payment Order (BPO)
2. SB / Current Account Cheques
3. Gift Cheques
4. Travellers Cheques
5. Term deposit Receipts
The following are the various activities involved in the VPIS module.
S. NO. NATURE OF ACTIVITY INVOLVED

1. Acquisition
2. Issue
3. Acknowledgement
4. Return
5. Cancellation
The Vault Custodian and any Teller are the two players involved in the VPIS module
functionality.
STEP 1: RECEIPT OF INVENTORY BY VAULT TELLER:
This is the first step to be performed when the branch receives security items from
HO: Stationery Department. The Vault Custodian i.e. the ABM needs to
acknowledge receipt of the same and take possession of the same electronically
through the system.
Navigation: VPIS >> Inventory Maintenance.

__________________________________________________________________________________________________
Screen SCR: 33001: Valuable Paper Inventory Range Prompt is displayed.
Field Action to be performed/Details to be entered

Function Choose C: Create
Institution 3
Inventory Category Choose 01: CA Cheque / 02 – SB Cheque / 05 –
BPO / 07 – FD receipt / 12 – Demand Draft
Inventory Sub Category Choose 01 – Order for Demand draft and 02:
Bearer for SB / Current Account Cheque
For all others: Same serial number as category i.e.
BPO – 05 and Term Deposit Receipts : 07
Start Serial Number and Enter the start serial number and the appropriate
Prefix prefix of the inventory received.
TRANSMIT NEXT SCREEN WILL COME
End Serial Number Enter the serial number of the last cheque leaf.
No. of leaves (only for Enter - depending on the number of leaves in the
Chq Bk) cheque book
MICR Select NO
Status Release
Click on Transmit to save all the information. The system will respond with an ‘OK’
message indicating a successful operation.
Note: A batch program will be run at CDC at pre set intervals. Only after this, you
will be able to use the inventory.
UNKNOWN INVENTORY:
To ascertain the status of the inventory, go to VPIS >> Enquiry of VPIS >> General
Enquiry.
Choose option as enquire, key in Inventory Category, Sub category, and

under status choose : ‘UNKNOWN’. Key in the Serial Number and Prefix for the
cheque. Now click on transmit. The resulting screen will show details of the
cheque.

__________________________________________________________________________________________________
ISSUE OF CHEQUE BOOKS
PRECONDITIONS:
1. In Core Banking, Personalisation of cheque book is mandatory for all accounts

for the first time.
2. An account must exist before a cheque book can be personalized
3. The cheque facility has to be activated on an account opened against a product
type, which allows cheque facility.
4. A cheque book can only be issued to a customer after it has been ordered.
5. In order to issue a cheque book the relevant book must be available in the VPIS
of the branch and should have been delivered to, and acknowledged by the
concerned teller.
CHEQUE BOOK ISSUE:
STEP 1: PERSONALISATION:
Navigation: Cheque Book Functions >> Cheque Book Operations >> Cheque
Personalisation.
On selecting this option Screen SCR: 050216 : CAS: Personalisation is displayed.
Enter the account number. Click on Transmit. Screen SCR: 050216 : CAS:
Personalisation is displayed. The name and address of the account holder are
displayed.

No. of Books Enter the number of cheque books to be issued
Leaves per Book Select the type of cheque book desired from the drop down
provided. Here a 4 character field is used to facilitate
printing. The first character is set to 1 for Personal
Cheques and to 2 for Business Cheques. The next three
digits indicate the number of cheques per book. So the
drop down options for Personal cheques are like 1010,
1020, 1025, 1050 and 1100. Select the appropriate choice
Pick up branch By default this is the teller’s home branch.
Click on Transmit. The system will generate an ‘OK’ message.

__________________________________________________________________________________________________
STEP 2: CHEQUE BOOK ORDER:
Book order.
Click on the ‘Order Cheque Books’ option on the menu. Screen SCR: 050212 :
CAS: Cheque Book Order is displayed.

Account Enter the account number
No. of Books Enter the number of cheque books to be issued
Auto Re-order The options available in the drop down menu are Y: Yes N:
Request No and C: Counter Issue. To prevent
charging of cheque book charges for the first 3 free cheque
books in the case of SB account, choose C: Counter Issue
Pick up branch By default this is the teller’s home branch.
Leaves per Book This field is an optional field. From the drop down menu
select the same option as was selected in the
Personalisation option
Click Transmit. The system will respond with an OK.

STEP 3: CHEQUE BOOK ISSUE:
This is the last step in the Cheque Book issue process.
Book Issue.
Click on the ‘Issue cheque books’ option on the menu. Screen ‘SCR: 050213 :
CAS: Set/Remove Cheque Book issue’ is displayed.
Enter the account number.

Function The option are S : Set and R: Remove. Select Set
(Cheque book can only be issued to an account if this
flag is ‘set’)
VPIS type From the drop down menu select the appropriate option
(01: CA 02: SB 03: CC)
Prefix Enter the prefix of the cheque book
VPIS Sub Category The two drop down options are 01: OC (Order Cheque)
and 02 : BC (Bearer Cheque). Select the appropriate
option
Issue Cheque No. From Give the starting number of the cheques to be
issued

__________________________________________________________________________________________________
Leaves per cheque book Enter the same value as entered aat the time of
personalization and order
Auto Reorder Req Choose C: Counter Issue
Pick up branch By default this is the teller’s home branch
REMOVAL OF CHEQUE BOOK FACILITY:
Navigation: Cheque Book Functions >> Stop Cheques >> Set/Remove

Cheque facility is displayed.
On clicking this menu option Screen ‘SCR: 050214 : CAS: Set/Remove Cheque
facility’ is displayed.
Enter the account number and against Function select ‘R: Remove’.
Click on Transmit. Hereafter the account will not have cheque book facility.
25. TDR AND DD PRINTING
TDR Printing
• Pre requirement: The Receipt must be entered in VPIS of the Branch

• Deposit/CC/OD Accounts & ServicesEnquiriesTerm Receipt (Original)
(SCR : 503)
• Enter the a) Acc.No. b) Receipt No. c) Prefix Transmit
• The checker picks up the transaction from the Queue and authorizes if it is
found correct.
• The voucher is returned to the printer Queue of the originator
• Select the queue and accept it to print TDR.
DD Printing
Click the Print DD button the DD issue Screen before clicking Transmit.
RECEIPT OF FUND
(Parking the amount in Intermediate account
DD to be issued a/c, BC to be issued a/c etc...)
Step I: Receive the funds from customer
SCR: 20010 - for CASH
(For more than Rs.50000 PAN No is compulsory)
SCR: 21031 - transfer from Deposit
SCR: 20045 - transfer from GL
SCR: 51081 - transfer from Deposit through cheque

__________________________________________________________________________________________________
Step 2: Select the Remittance type (DD / BC... etc.)

Enter the commission amount
(Commission can also be picked from commission calculator provided at the
bottom)
(Calculate the commission for individual DD amount)
Transmit.
Step 3: The checker picks up the transaction from the Queue and authorizes
if it is found correct.
The voucher is returned to the group queue with a ‘Journal No.’
(Only one journal No. will be generated)
ISSUE OF REMITTANCE (Single)

(Printing of Instruments & crediting the amount to respective BGL accounts
Drafts/BC a/c etc...)
Step 1: Select Inland (Rupee) Remittance -> Issue -> Single Remittance
Select the Remittance type (DD/BC/GC) - Transmit
Enter the Prefix & instrument No
(If automatically generated, check)
Pay Bank = IB
Pay Branch = IB Branch Code
Click on Search option for BRANCH number. Search & return Branch Code
Pay Branch Description = Enter the beneficiary Name
(Applicant’s Name, if it is a Cash transaction)
Charges Received: Yes / No
Select the inventory Sub Category as 1 for DD and 5 for BPO
Transmit (Print option can be used if running stationery is available)
Get the Q authorized.

__________________________________________________________________________________________________
26. WORK FLOW - BOD – EOD
Beginning of the Day (BOD) (In the Branch Server)
• Download the necessary Reports from Report Server.

• Check whether there is any negative balance in Balance Sheet and Profit
and Loss (except Balance with commercial banks).
• Compare the cash balance in balance sheet with Cashier’s Book. Both
should tally. If there is difference check the previous day’s transactions. It will
be because of Referred transaction not corrected as per EOD procedures.
Do it now.
• If there are balances in Asset / Liability balancing the problem may be due to
(a) batch with status 5 on the previous day (some transaction failed and
some posted) or (b) Due to connectivity failure one leg of a transaction is
posted and other leg is not posted and the transaction is in Referred Status
or (c) some new GL heads were used on that day which are not mapped
properly. In respect of (a) and (b) we have to find out and correct. In case of
(c) take up with Head Office.
• Open P & L account - There should not be any negative balance. If it is there
see the transactions of the previous day
• Login (By any officer) in the application and go to EODBOD – EOD
transaction – Click on Terminate. System will go off from the offline mode and
user will be signed off automatically. Login again. System will be in on line
mode.
• Go to BOD transactions – Click on Update Shadow Files – Deposit/Loans/GL
shadow file records will be displayed in the screen. Then click on begin BOD
and click on transmit. System is ready for access by branch users. Sign off.
• Take the print out of previous day’s (a) Trial Balance (b) Supervisory override
report (c) Deposit maturing within 30 days (d) Temporary overdraft report
(e) Irregular loan balance file and handover to BM.
• Take the print out of Previous day’s (a) New 132 col VVR report (b) New 132
Col GLDaybook (c) System generated transaction report and give it to the
respective officers for checking.

__________________________________________________________________________________________________
End of the Day (EOD) (In the Branch Server)
• Check for any pending Q (To be done by officer – 15/16 level)
• Check for referred transactions  Go to Journal (Third icon from left on the
top of your BANCS screen)  Remove the teller id  Select the status as
“REFERRED”  click on execute
• If there are transactions with referred status, then check whether the entries
have already been posted in respective accounts.
• If posted, then  select the row containing the transaction  click on Status
Correction  Click on Set to commit  Click on OK  Ignore the message
that is coming.
• If not posted, then  select the row containing the transaction  click on
Status Correction  Click on Set to reject  Click on OK  Ignore the
message that is coming.
• Repeat the above procedure for each and every transaction with referred
status
• If the transaction is relating to Cash – The cash drawer is to be updated thru’
 Transaction posting  Cash Maintenance  Cash Drawer operations 
give the cashier’s ID  Enter the denomination (in / out)  update.
• If the transaction is relating to an entry in a batch – Go to batch search –
execute – select the batch – return batch ID – select the row – click on modify
transaction status – click on transmit (if not posted) – get the Q authorized.
• Go to Batch Transaction – Batch Search – Transfer Batch – Increase the
number of batches from 20 to 100 – Click Execute – Check for the status. All
should be either 1 (with no transaction) or 4 with posted transaction. No
batch should be with status 2 (created) or 5 (failed). If it is there find out the
reason and correct it.
• Go to Inland Rupee Remittance – Enquiry – Other remittance – Select To be
issued status – Enter branch code – click on search – No records should be
there. If anything is there issue the Demand Draft and then proceed. Do
similar checking for Banker’s Cheque also by changing the Remittance type
from DD to BPO.
• Go to User/system administration – Enquiries – User enquiry – Give branch
code and transmit – No one should be there in login except the officer doing
EOD. If anybody is there ask them to log off. If somebody has left without
logging off properly, find their terminal number by giving their user no in
User/system administration – Enquiries – User enquiry. Then go to user /
system management – changes – user forced closure – give the details and
transmit.

__________________________________________________________________________________________________
• Balance in the following accounts should be zero. (If balance is there get the
reason and if it is valid, leave it. Else make correction and proceed).
Deposit parking account / GL Parking account

System Inward Clearing a/c - 98543<CBS code><CD>
System outward clearing a/c - 98544<CBS Code><CD>
System cheque returned a/c - 97944<CBS Code><CD>
• Tally the Bank Balance figures with BGL figures of Balance with IB / SBI /
Other Bank
• Confirm that Cash department has generated cash report for the day.
• Go to – EOD-BOD – EOD checks – Transmit – All checks should be with

done status
• Then go to EOD Transactions – Click on EOD back up – System will take

back up and do host data synchronization. (updating tables from production
server). This will take about 5 minutes.
• Click on Begin EOD – Final message will come – EOD Processing

successfully completed.
• System will go to offline mode from online mode. Log off.
• In the server, go to My computer – F: - Back up – Dump – Open the file

bancslink<yyyymmdd>.txt file and ensure “Export Terminated successfully
without warnings” in the last line.
• Take the back up in a CD and give it to Branch Manager
• Copy the back up in some other system in the branch.
• Copy the previous day’s report folder to current month’s folder in G:\Report
Backup

__________________________________________________________________________________________________
27. ACTIVITIES TO BE DONE ON DAILY BASIS
1. Branches to tally the cash balance as per the balance sheet of previous day
and physical cash balance on daily basis before starting transactions.
2. Branches to ensure that there is no asset / liability balancing on any day.
3. Branches to ensure that there is NIL balance in Deposit / GL Parking account

and Clearing Heads (System Inward Clearing a/c - 98543<CBS
code><CD>, System outward clearing a/c - 98544<CBS Code><CD>,
System cheque returned a/c - 97944<CBS Code><CD>)
4. Branches to ensure that there is no negative balance in any of the Balance

Sheet / Profit & Loss Heads.
5. Branches to ensure that there is no outstanding under System DD / BPO to

be issued.
6. Daily back up dump from F:\backup\dump\ should be copied to another

system (Preferably BM's machine) apart from taking the back up in CD on
daily basis.
7. Previous day's report folder from E:\ftp\cdc\reports\ are to be copied to

G:\rep_bak\<month> folder and in another system (Preferably BM's
machine). Once in a month the Month folder of reports are to be written to a
CD. Reports will not be available in E:\ftp\cdc\reports folder after one month.
It will be deleted by system automatically. Hence branch has to take
precaution.

__________________________________________________________________________________________________
28. REPORTS TO BE VERIFIED BY CBS BRANCHES
For finding their business position on daily basis.
• Balance_sheet.txt
• Profit_loss.txt
For confirming the execution of Standing Instructions and Interest payment

on FD.
• Successful_StandingInstructions_rept0198.txt.gz
Check the following reports with the vouchers on DAILY BASIS without fail.
• NEW__132Col_gl_vvr_dayd0612.txt.gz - Customer Transactions

• NEW_132Col_GL-DayBook-gend9999.txt.gz - GL Transactions
• sys_gen_txns_suds2512.txt.gz -System Generated Transactions
The following reports are also to be checked

• Balance_comparison_report_rept1011.txt.gz – ensure that there is no
difference
• Supervisor_Override_exception_Report_dayd2803.txt.gz
Follow up with customers for recovery based on the following reports.

• Irregular_Loan_BalanceFile-lond2512.txt.gz
• Temporary_overdraft_lond9999.txt.gz
• SMA_REPORT_nprp1106.txt1.gz
• NPA_REPORT_nprp1106.txt2.gz
Consolidate the recovery of TDS based on the following report.

• details_of_Tax_deductions_as_on_particular_day_txrp1010.txt.gz
• Tax_Deducted_at_Source_Report_tdsc0611.txt.gz
Reconcile the Bank accounts based on the following report.

• DAILY_BGL_STATEMENT_bgst2345.txt.gz
Verify that there is no outstanding DD / BPO to be issued in this report

• REPORT_ON_ENTRIES_PENDING_IN_TO_BE_ISSUED_ACCTS_dtrp
1010.txt.gz
Verify the items and follow up with depositors for renewal
• TD's_Maturing_in_30Days_tdmt2512.txt.gz

__________________________________________________________________________________________________
The following EOD reports are also available for the branches
• Bankers_Cheques_Issued_rept_bcis2512.txt.gz
• BCs(BPO)_Paid_Report_bcpd2513.txt.gz
• BGL_accounts_age_wise_break_up_genm0805.txt.gz - (Outstanding items
under Reconcilable GL heads like Sundry deposit, Sundries Receivable etc.)
• REPORT_ON_HOME_BRANCH_AND_PRODUCT_TYPE_CHANGE_bhch
2525.txt.gz
• Deposit_Accts_Opened_report_acop0611.txt.gz
• Details_Of_Tellers_In_A_Branch_tenq2512.txt.gz
• Loan_Accounts_Opened_report_laop0612.txt.gz
• LoansBalanceFile-lond2390.txt.gz
• LoansBalanceFileSummary-lond2390.txt1.gz
• OD-OCC_And_Other_Deposit_Balance_File_Detail_gend2512.txt3.gz
• OD-OCC_And_Other_Deposit_Balance_File_Summary_gend2512.txt4.g
• OutWard_clearing_Cheque_wise_cfpd0324.txt.gz
• Report_for_Cash_Related_Transactions_in_a_day_ctrd2525.txt.gz
• SB-CA_Deposit_Balance_File_Detail_gend2512.txt1.gz
• SB-CA_Deposit_Balance_File_Summary_gend2512.txt2.gz
• Stop_Payment-casd0197.txt.gz
• Term_Deposit_Balance_File_Detail_gend2512.txt5.gz
• Term_Deposit_Balance_File_Summary_gend2512.txt6.gz

__________________________________________________________________________________________________
29. Branch Server Crash Handling
Server Crash before beginning of day and transactions to be entered in

another branch at the end of the day.
* Lock the call with the hardware vendor and follow up for recovery of server
* Inform their CBS Task Force so that they can arrange for alternate server / install
the application in the repaired server.
* Contact Head Office and collect the previous day's balance books thru' IP
message.
* Keep the print out of ONRF.xls (for finding the new account number from old
account number)
* Receive cash manually and enter in the manual cash scroll.
* Pay cash manually after verifying the balance in the previous day's report (ensure
that the customer is not having multi city cheque facility - In case of multi city
customer - Balance can be enquired from another branch) and enter the same in the
manual cash scroll.
* Tally the final cash balance - LNB + RECEIPTS - PAYMENTS = TNB
* Perform all clearing and transfer transacttions manually and enter in a day book
and tally the debit & credit.
* After customer transactions are over, go to the nearby branch and login in their
system with your branch code. (Transactions of your branch should not be entered /
authorised by other branch users)
* Complete the CIF creation, account opening.
* Enter the cash receipts and payments in a batch and for the net of cash (debit /
credit) enter transactions for Branch Cash Balance (98903 + <branch code> + <cd>).
Transmit and get it authorised.
* Enter clearing and transfer transactions in seperate batches and authorise.
* No need to perform EOD for your branch @ another branch.
* Next day's operation can be continued in your branch.

__________________________________________________________________________________________________
Server crash during the day and completion of transactions to be done in

another Branch.
* Follow the steps stated for server crash before day begin except the following.
* Continue the transactions manually as stated above but keep the vouchers that are
not entered / that are entered but not authorised seperately.
* After going to the other branch confirm that the account is debited / credited in
respect of authorised transactions.
* Complete the CIF creation, account opening (which are not done / authorised)
* Enter the cash receipts and payments (which are not posted / authorised) in a batch
and for the net of cash (debit / credit) enter transactions for Branch Cash Balance
(98903 + <branch code> + <cd>). Transmit and get it authorised.
* Enter clearing and transfer transactions (which are not posted / authorised) in
seperate batches and authorise.
* No need to perform EOD for your branch @ another branch.
* Next day's operation can be continued in your branch.

__________________________________________________________________________________________________
30. Trouble shooting in LAN / VSAT
Network is the lifeline for CBS

• It consists of two parts. Local Area Network (LAN) is the connection between
various systems / VSAT and the Network SWITCH (8 port / 16 port). Wide
Area Network (WAN) is the connection between VSAT at the branch and all
systems outside the branch including the Server at Data Centre.
• Connectivity failure can happen due to problems in (a) Network Chord of the
system (b) Network Cable connecting the system with the Network Point (c)
Network cable connecting the Network point and the Network Switch (d)
Network cable connecting the Network Switch and the VSAT IDU (Indoor
Unit) (e) Network Switch (f) VSAT IDU / Antenna (g) Hub Centre (h) Data
Centre etc
• Some times the client system will populate message ‘Host Application
Unavailable’. This is not connectivity failure. If the branch server is not
started / not logged in as administrator, then this message will come. See the
server.
• Connectivity failure can be identified by (a) Processing of transaction will be

for a longer period and finally with a message Transaction has timed out (b)
9002-BL – Please contact system administrator (c) I P Address of systems
outside the branch will not be available in the IP message.
• Go to start menu – run – cmd – OK – Type ping <VSAT IP> (eg.10.173.72.1

for Salem Main. Branch IP address with last part 1 is for VSAT and last part 2
is for server) – If you get reply from VSAT – then LAN connectivity is perfect.
If you get message, request timed out – Check the cable connecting the
system to network point / VSAT to network switch – Also check the power
availability in Network switch / VSAT.
• If LAN is ok, then problem will be in WAN. Contact PO / CDC. If you get
message, request timed out – Check the light indication in the VSAT IDU. All
5 lights should be there (Power / LAN / Send / Receive / System). If system
light is not there, then it is a problem with VSAT. Contact Hughes. If power is
not there, then check the power connection. If LAN is not there check the
LAN cable. If all lights are there, then contact PO / CDC. There may be
connectivity failure at CDC.
• Contact Phone Numbers for Hughes : 044-66167123/36 – Email:

vcc@hughes.in

__________________________________________________________________________________________________
31. KNOW YOUR BRANCH NETWORK
• What is the IP address of my Branch?
Every branch has been assigned with a unique IP segment and all the Server
and PCs of that branch will be configured with the IP address within that
respective segment. For example, the IP address of your Branch Server will
be “10.173. <Last one/two/three digits of Branch code>. 2”
Eg) 10.173.2.2 (RO Villupuram) or 10.173.11.2 (Adari Branch)
• What is the Default gateway of my Branch Network?
The Leased line/GPRS router IP address (Ends with ‘254’) or the VSAT
modem IP address (Ends with ‘1’) of your branch is the default gateway of
your branch network.
Eg) 10.173.72.254 (Leased line gateway of Salem Branch) or 10.173.72.1

(VSAT gateway of Salem Branch)
• My Branch is having both Leased line and VSAT, then what will be my default
gateway?
If your branch is having both leased line and VSAT, Leased line will act as the
primary connection, hence the leased line router IP address will be your
default gateway.
• What if my leased line goes down and only VSAT is up?
Don’t worry, you don’t have to do anything manually. The network traffic will
be directed automatically through VSAT, even if your default gateway is on
leased line. Meanwhile, follow up the leased line issue with HCL COMNET.
• When my Leased line is working, how do I know whether my VSAT is working

or not?
Check if all the 5 LED lights in your VSAT modem is glowing or not. If not…
raise a complaint with TCS Helpdesk immediately.
• How do I know whether I am working through leased line or VSAT??

Press Windows Key +R Type “cmd”In Command prompt-> Type “ping
10.171.102.80 –t”
If time = Less than 100 ms, you are

working through Leased line

__________________________________________________________________________________________________
If time = More than 600 ms, you

are working through VSAT
Sorry!! Your branch

connectivity is down!
Follow the Escalation Matrix.
• How do I know whether my branch LAN is properly connected??

Ping the default gateway or IP address of any of the PC connected in your
branch LAN and check the result.

__________________________________________________________________________________________________
32. GETTING ERROR ON BANCSLINK??

Is this your Error?
A)
Reason: Due to Queue issue in the Production Server
Resolution: Wait for few minutes for the TCS team to rectify it. If persist for more
than 15 mins, contact HO-TMD.
B)
Reason: Due to Port issue in the Production Server
Resolution: Wait for few minutes for the TCS team to rectify it. If persist for more
than 15 mins, contact HO-TMD.
C)
Reason: There may be some issue with the LAN cabling or Server network cable.
Resolution: Check the LAN connection in the branch Server and the connections
at your D-Link/NetGear Switch.
D)
Reason: Due to Oracle service issue in the Branch Server

Resolution: In the Branch Server, download and run “orapwd.exe” patch from the
Intranet Portal. If the issue still persists, contact HO-TMD.
Help Desk Utilities
• Help desk utilities have been provided for (a) On line Help on any Work Flow
(b) Search facilities for various products / GL / Branches (c) Information on
critical heads to be followed by branches (d) HO Circulars (e) Report
generation utilities (f) Broadcast messages from HO etc.
• In respect of branches, they will get data relating to their branches alone. In
respect of administrative offices, they will get data relating to entire branches
of the Bank. (Branch wise)
• Help Desk can be accessed from B@NCS itself. Link is provided in the Main
Menu Screen. Click Help Desk in the Main menu screen. A separate window
will open with the First page of the respective Bank’s Help Desk.
• Update Branch Profile: This is for the purpose of updating the branch
information to be stored in data base and display to other branches.
• Branch Search: For getting the details of their own branches and Indian
Bank.

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• Current GLIF Position: For getting the Branch wise GLIF details of the branch
at any point of time with EOD status.
• Report Server: For downloading reports not pushed / missed for any date.
• Transactions for the day: To find out the number of transactions for the day.
• CBS User Manual: Topic wise PDF document of the Training manual
• Accounts Opened and Closed: Report on deposit / Loan accounts opened

and closed for any given period under given product code / all
• Deposit accounts list: List of accounts outstanding for the given products.
• ODCC statement: Statement of account for OD/CC
• Loan accounts list: List of accounts outstanding for the given products.
• Disbursements details: Loans sanctioned / disbursed for a given period

under given product code / all
• Disbursement during the financial year: Loans sanctioned / disbursed during

the financial year under given product code / all
• Loan statement: Statement of account for Loans
• BGL statement: Statement of account for any BGL for any period
• CGL statement: Branch wise CGL list with Statement of account for any CGL
from the date of migration / beginning of the financial year.
• Reconciliation Pending: Pending items under reconciliable GL Heads like

Sundry Deposit / Sundries receivable / C2C etc.
• DD to be issued Pending: List of pending DDs to be issued
• BPO to be issued pending: List of pending BPOs to be issued
• Cash Position: Branchwise Bank balance, BGL / CGL cash balance and
Cash Difference.
• BGL Search: Search for BGL numbers
• Customer Search: Search by Name with any part of name (Not in B@ANCS)

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• Deposit Product search: Search for product codes for deposits
• Loan Product search: Search for product codes for Loans.
• Quick Data: Branch wise Total Deposits (with break up for SB / CA / TD),
Total advances (with break up for Agriculture / OPS / NPS), Total Income,
Total Expenditure.

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33. SUBSIDY PROCESSING
Wherever subsidy is received, subsidy should be first kept in Sundry Deposit head.
This should be transferred to Subsidy Reserve Fund account through subsidy
processing module in the system. Various stages involved in Subsidy Processing
are: CLAIM, RECEIVE, APPROPRIATION. Subsidy processing will enable the
system to calculate interest on the loan balance net off subsidy. All stages of
subsidy processing should be entered through the module only.
CLAIM: This is stage where available subsidy for the particular account is entered.
The amount of subsidy available can be amended at this stage. Once the status is
changed to next stage ie. RECEIVE, the amount can not be amended anymore.
Claim should be made only when the actual subsidy amount is available with the
branch. Once it is claimed, to that extant interest will not be charged from the date of
claiming.
RECEIVE: Once the entire amount of subsidy is available with the branch, the
account status can be changed to this status by transferring subsidy from SD a/c to
SRF through Subsidy Processing >> Receive menu.
APPROPRIATION: Appropriation means transferring subsidy from SRF to loan

account. This should be done after the date of actual Subsidy Appropriation Date.
This stage should be strictly done through Subsidy Processing >>
Appropriation menu only. Any direct adjustment through batch will result in
leakage of interest income since the system will continue to calculate interest
net off subsidy as the same is not adjusted through module. Further this
amount will continue to appear in SRF Report eventhough balance is not
available.
System will allow APPROPRIATION only if the available principal balance is over
and above the subsidy amount, otherwise system will throw error as: ‘INVALID
DISBURSEMENT PRIORITY CODE”. In such cases, bucket change of balance
between, for example, Interest and Principal. Available break up of balance for
loans can be viewed in SCR 10400 >> Option 3: Balance Break up Enquiry (drop
down menu). Contact TMD for guidance in such cases.
SYSTEM WILL NOT ALLOW SUBSIDY APPROPRIATION, IF THE ACCOUT IS

IN CLOSED STATUS.

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Amend Loan Details for subsidy processing requirement: (SCR 17050) – This
is to be done by officer to avoid supervisory override.
Procedures for Subsidy Processing is given below:
Loan Accounts: Go to DL/TL Accounts & Services >> Amend >> Amend Loan
Details >> Enter Account Number and select option 6: Additional Loan Details >>
Transmit >> In the next screen enter the following details.
Directed lending Flag : Yes

Scheme Code : Select the appropriate scheme
Subsidy process required : Yes
Refinancing required : No
Transmit. You will get OK message.
If the transaction is entered by clerk, supervisory override will come and it has to be
authenticated by the officer.
CC/OD Accounts: Go to Deposit /CC/OD Accounts & Services >> Amend >>
Amend CC/OD Details >> Enter the Account Number and select option J: Additional
CC/OD Details >> Transmit. In the next screen, give the details as below:
Scheme Code : SHGRP

Subsidy process reqd : Yes
Appropriation Date : To be entered
Refinancing required : No
Transmit. You will get OK message.
If the transaction is entered by clerk, supervisory override will come and it has to be
authenticated by the officer.
Step 1: Claim of Subsidy: For both loan and CC/OD accounts:
Go to DL/TL Accounts & Services >> Loan Processing >> Subsidy Processing >>
Enter the Account Number and select the option C:CLAIM and Transmit.
In the next screen enter the options of No of Members and Claim Subsidy
Amount and Transmit. Get the Q authorized by the Officer.
Step 2: Receipt of Subsidy: For both loan and CC/OD accounts
Enter the Account Number and select the option R:RECEIPT and Transmit.
Enter the amount of subsidy in the amount received column  Enter From Account
Number as Sundry Deposit 98742xxxxxx (where all subsidy amount is kept) and To
Account Number as SRF BGL Number 98809xxxxxx  Transmit  In the next

__________________________________________________________________________________________________
screen give the Narration and Sundry Deposit Reference Number and transmit. 
Get the Q authorized by the Officer.
Step 3: Enquiry of Subsidy: Go to DL/TL Accounts & Services >> Loan

Processing >> Subsidy Processing >> Enter the Account Number and select the
option H; History details / E. Enquiry and Transmit. Details of subsidy claimed and
received will be available.
Step 4: Appropriation (To be done ONLY after the lock in period for the
subsidy)
For all loan and CC/OD accounts: (While closing of loan /CC/OD accounts):
Enter the Account Number and select the option A:Appropriation and Transmit.
The system will generate the subsidy amount and the SRF account number
automatically and the user has to simply transmit and get the Q authorized.
Thereafter the loan / CC/OD account may be closed in routine manner in closure
enquiry and module.

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34. NPA PROCESSING
The steps given below are for all accounts to be identified during the year.
• The following are the IRAC (Income Recognition and Asset Classification)
status codes to be used in the New IRAC Status Column:
00 - Standard - Regular
01 - Standard - Irregular Less Than 30 days
02 - Standard - Irregular Less than 60 days
03 - Standard - Irregular Less than 90 days
04 - Substandard
05 - Doubtful - Less than 1 year
06 - Doubtful - 1year and above but Less than 3yrs
07 - Doubtful - 3 year and above
08 – Loss
• Go to SCR 10400  enter the account number  Select option 3 Balance

Break up enquiry  Note down the uncollected interest (for migrated
accounts)
• If the uncollected interest is more than the actual, then
Step 1: Go to batch transaction – batch entry screen – create a batch and add
row – select transaction base as Loan debit adjustment – enter the account
number – enter the difference in interest – select the priority as principal and
credit the amount in General Parking account with reference number – Transmit
and get the Q authorized.
Step2: Go to BGL – transfer – BGL to Loans – Enter the General parking

account in the debit account number, enter the interest difference, enter the
Loan account number, select the priority as Interest, enter the reference number
and transmit (Ensure Priority is Interest before clicking Transmit) – Get the Q
authorized.
Step 3: Verify the balance break up enquiry in SCR 10400.
• If the uncollected interest is less than the actual, then
Step1: Go to Transaction posting – Loan accounts – Approval/Disbursements –

Transfer to GL. In the screen, debit the Loan account and credit General
Parking BGL account and select Ìnterest’ against Priority Box and do the
transaction for the difference in interest.

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• Do the following in the Officer/Manager User,
Common Processing >> Overdue /NPA >> Amend/Enquire NPA Status

CC/OD (for ODCC accounts) or Amend/Enquire NPA Status TL/DL (for Term
Loan accounts) >> Enter the account number >> Transmit.
In the next screen,
 Enter the relevant code in the New IRAC Status column

 Select Yes in the Update Old IRAC status
 Transmit
 The Officer / Manager himself can authorize in the Supervisor override
for Bad Debt Indicator Change as local supervisor.
• The status of the account will be changed to NPA. Uncollected interest

forming part of the balance (up to last interest capitalization date) in respect
of the migrated accounts and uncollected interest (from the start of the
financial year till the last interest capitalization date) in respect of CBS
accounts will be reversed to the debit of income. The current year interest
reversed will be available in INCA (Interest Not collected account) filed in
10400 enquiry screen. Previous year uncollected interest will be available in
UIPY (Uncollected interest of previous year) field in 10400 enquiry screen.
• Interest will not be capitalized from that month. However interest will be
calculated and added to the Interest accrued figures till the date of
adjustment. This can be seen in 10400 – LI ACC field. MOI will be INCA + LI
ACC + BPI ACC + AR ACC + ARR ACC. This can also be seen in F7.
• Whenever there is recovery in the account, system will first take it for
principal, then for charges, arrears interest and then interest.
• Compromise settlements in respect of NPA accounts.
Case 1: If the amount of settlement is less than principal, (a) Debit Write off
Claims a/c and credit Loan account for the actual write off (b) Debit Interest on
Loans and credit Loan account for the amount of waiver (assess from closure
enquiry) (c) Debit customer’s account and credit Loan account thru’ Loan
closure.
Case 2: If the amount of settlement is more than principal, (a) Debit Interest on
Loans and credit Loan account for the amount of waiver (assess from closure
enquiry) (b) Debit customer’s account and credit Loan account thru’ Loan
closure.

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PROCEDURE FOR UPGRADATION OF NPA TO STANDARD
The following Procedure to be done ONLY in those NPA Accounts where

required recovery is made to make it Standard OR where an account is
wrongly marked as NPA.
For upgradation of NPA, INCA, UIPY and Overdue should be NIL
For Loans:-
Go to SCR 10400 - Find the total amount of the value appearing in INCA + Li acc +
Bpi acc + Ar Acc + Arr Acc fields.
Go to DL/TL Accounts & Services  Interest Adjustments  Forced Debit Interest

Capitalization. In the screen, enter the total amount arrived in Step 1. Transmit and
get the Q Authorised.
While doing this, the system automatically debits the interest (MOI) in the account
and credits Interest on loans/cc/ od BGL Head. Consequently, there will be
increase in the outstanding balance to that extent and increase in the value
appearing as Overdue against Arr /Adv field.
Please Note: Branch has to compare with the up to date MOI which is calculated
manually and if there is any shortfall then debit the account and credit Interest
Income BGL.
If balance is there in UIPY (Uncollected interest of Previous Year):-
Go to Transaction Posting  Loan a/c  Approval/Disbursements  Transfer to GL.

In the screen, select Ìnterest’ against Priority Box and debit the Loan account
and Credit General Parking BGL Head (97950 BGL) giving reference number and do
the transaction for the UIPY amount.
Go to Branch Accounting (BGL)  Transfers  GL to Loans. In the screen debit

General parking account (with Ref-number) and credit the loan a/c and do the
transaction for the same amount after selecting Ìnterest’ against Priority Box.
Go to Arr/Adv field in Loan Short Enquiry screen and ensure that the Overdue is
showing zero. If it is appearing as Advance Payment then ensure its correctness.
Then, go to Common Processing  Overdue/NPA  Amend/Enquire NPA Status.

In the screen, enter 0 against New IRAC Status and select `Yes’ against Update OLD
IRAC Status field and ensure blank in the Provision field before clicking Transmit.
Verify in SCR 10400 that the New IRAC and OLD IRAC Status are appearing as
zero which means Standard.

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For CC/OD accounts:-
Go to SCR 400 - Find the total amount of the value appearing in INCA + Li acc + Bpi
acc + Ar Acc + Arr Acc fields.
Go to Deposits/cc/ od & Services  Interest Adjustments  Forced Debit Interest

Capitalization. In the screen, enter the total amount arrived in Step 1. Transmit and
get the Q Authorised.
While doing this, the system automatically debits the interest (MOI) in the account
and credits Interest on loans/cc/od BGL Head. Consequently, there will be increase
in the outstanding balance to that extent and increase in the value appearing as
Overdue against Amount of Irregularity field.
Please Note: Branch has to compare with the up to date MOI which is calculated
manually and if there is any shortfall then debit the account and credit Interest
Income BGL.
If balance is there in UIPY (Uncollected interest of Previous Year):-
Pl note down the UIPY amount which is appearing against UIPY field in Overdraft
Enquiry screen (No:32032) SCR 400 (Option 2 – Overdrafts)
Go to Branch Accounting (BGL)  Transfers  CC/OD to GL .In the screen debit

CC/OD account and credit General Parking BGL account (i.e.,97950 BGL) giving
reference number and do the transaction for the UIPY amount after selecting
Ìnterest’ against Priority Box.
Then, go to Branch Accounting (BGL)  Transfers  GL to CC/OD. In the screen,

debit General parking account (with the same Ref-number) and credit CC/OD a/c
and do the transaction for the same amount after selecting Ìnterest’ against Priority
Box.
Go to Overdraft Enquiry screen and ensure that there is NO amount against Amount
of Irregularity field.
Then, go to Common Processing  Overdue/NPA  Amend/Enquire NPA Status.

In the screen, enter 0 against New IRAC Status and select `Yes’ against Update OLD
IRAC Status field and ensure zero in the Provision field before clicking Transmit.
Verify in SCR 400 – Option 2 Overdraft and verify the New IRAC Status and
Actual IRAC Status are showing zero.

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35. Cheque Collection / Purchase Module

• This module is applicable only for the cheques to be sent for collection / to be
purchased after implementation of this module.
• Facility is available for (a) Cheque Collection (b) Cheque Purchase (c)
Purchase of cheque sent under collection (d) Printing covering schedule,
advice & voucher. EOD report will be pushed for outstanding under OBC /
BP.
• Cheque Collection:
Navigation  Collection and cheque purchase  Initiation – SC Cheque deposit

(Collection)  Enter the SB / CA account number of the customer and cheque
details  Select SC sent to (1) Own bank for cheques sent to own branches (2)
Indian Bank for cheques sent to Indian Bank (3) Other Bank for cheques sent to
other banks (other than Indian Bank)– Transmit and get the Q authorized – Note
down the reference number – System will post transaction for liability contra.(ie.
OBC / OBC contra)
• Cheque Purchase:
Step 1: Navigation  Collection and Cheque Purchase  Initiation  Cheque

Purchase (DDP) cash / To Account  Enter the SB / CA account number of the
customer and cheque details  Select DDP sent to (1) Own bank for cheques
sent to own branches (2) Indian Bank for cheques sent to Indian Bank (3) Other
Bank for cheques sent to other banks (other than Indian Bank) – Transmit and
get the Q authorized – Note down the reference number – System will post
transaction debiting the BGL of BP and crediting the customer with FULL value
of the cheque.
Step 2: Navigation  Collection and Cheque Purchase  Realisation 

Charges  Enter the reference number  Select Type 6 – Charges – Select
option 1 – BP charges - transmit  System will populate the charges  In case
of concession account, modify the charges  Transmit and get the Q authorized
 System will debit customer’s account and credit respective income.
• Purchase of Cheque sent under Collection:
Step 1: Navigation  Collection and Cheque Purchase  Realisation  Enter

the reference number  Type - Select 1 – Conversion of BC to BP  transmit 
System will post transaction debiting the BGL of BP and crediting the customer
with FULL value of the cheque. Contra liability will also be reversed.
option 1 – BP charges - transmit  System will populate the charges  In case

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• Realisation of Cheques sent under Collection:

the reference number  Type – 3 BC realization  transmit  System will show
transaction screen debiting C2C in respect of cheques on Own Branches /
debiting BGL Parking account in respect of Other Bank / debiting BGL of
Balance in CA with IB in case of cheques sent for collection to IB and crediting
the customer with FULL value of the cheque – Transmit and get the Q
authorized. Contra liability will also be reversed.

option 3 – BC charges - transmit  System will populate the charges  In case
• Realisation of Cheques sent after purchase:

the reference number  Type – 4. BP Realisation  transmit  System will
show transaction screen debiting C2C in respect of cheques on Own Branches /
debiting BGL Parking account in respect of Other Bank / debiting BGL of
Balance in CA with IB in case of cheques sent for collection to IB and crediting
the BP with FULL value of the cheque – Transmit and get the Q authorized.
• Return of Cheques sent under Collection:

the reference number  Type 9 – BC dishonour  transmit  Contra liability
will also be reversed.

option 4 – BC dishonour - transmit  System will populate the charges  In
case of concession account, modify the charges  Transmit and get the Q
authorized  System will debit customer’s account and credit respective
income.
• Return of Cheques sent after purchase:

the reference number  Type 8. BP Dishonour - transmit  System will show
transaction screen debiting BP returned unpaid and crediting the BP with FULL

__________________________________________________________________________________________________
value of the cheque – Transmit and get the Q authorized.

option 4 – BC dishonour - transmit  System will populate the charges  In
case of concession account, modify the charges  Transmit and get the Q
authorized  System will debit customer’s account and credit respective
income.
• Printing of Schedules / Advices / Vouchers : Reports  Host reports 

Enter the relevant SID and reference number  Reports will be pushed to
Branch Server (E:\CBBRANCH\Saved Reports\<current date> folder)

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36. NEFT(National Electronic Fund Transfer) TRANSACTION:
 Go to NEFT Messages --> Create Outgoing Messages(Transfer) --> Complete

all mandatory fields. Care should be taken while entering benefiary account and
beneficiary account reentry.
 Cash NEFT transaction can be initiated only from Cashier ID. Cash NEFT can
be sent only up to Rs.49,999/-
37. RTGS(Real Time Gross Settlement) TRANSACTION:
 Go To RTGS Messages --> Create Ougoing Messages (Transfer)/Create

Ougoing Messages(Cheque). Complete all mandatory fields. Care should be
taken while entering benefiary account and beneficiary account reentry.
 RTGS can be sent only for amount Rs. 200000/- and above.
38. IMAGE UPLOAD :
 Go to Image Maintenance-->Upload Images-->Enter Account number and

select Linked Image Type, transmit and get queue authorised.
 For doing changes in uploaded images, Go to Image Maintenance-->Access
Images

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39. Locker Module

Locker module for opening accounts and recording locker transactions has been
introduced in the bancs. The locker module envisages creation of locker unit details
available in a branch, number of lockers available in every locker unit and the
details of the users of these lockers. It also provides to enter the details of collection
of rent dues and enquire details of vacancies in the availability of lockers, rent due
from locker accounts etc. Periodical reports on the locker occupation, rent due etc
will also be made available.
1. Creation of “Cabinet ID” or Locker unit details:
The first step in operating the locker module is to create the details of the locker
units available in the branch in the system. Locker Unit is noted as “Cabinet ID” in
the module. Branch may give the various locker units names such as “Godrej-1”,
“Steelage1”etc to identify the units or simply name them as “Unit-1, or Unit-2” etc as
per the branch practice. But once the Cabinet ID is given the same must be given in
all the records for uniformity.
Cabinet ID (Locker Unit ID) creation- Screen -1
Give
Cabinet
ID as
used in
Branch
Cabinet ID (locker Unit Id)

creation—Screen2

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Give
Master
Key No
Once the Q is authorized, the “Cabinet ID” is created

The Branch has to create the “Cabinet ID” for each and every locker unit one by one
so that all the locker units are created with distinct “Cabinet ID” numbers or names.
This has to be recorded.
2. Creation of Lockers in every Cabinet or Locker Unit.:
Once the Cabinet ID is created lockers available in every cabinet or locker unit is to
be created in the module. The lockers in every locker unit may vary in number; size
and therefore the rent payable by the lessees also vary accordingly. Generally
lockers are identified by their numbers and their size by a distinct “Category” code
such as “A”, “B”, “C” etc. Our bank has standardized the “category” of lockers
grouping sizes of similar nature available in the market which have been supplied to
branches. Again the rent payable on the different sizes of lockers may differ due to
their relative size (volume) and the location of the branches wherein the facility is
offered and also the type of the customer. Our bank has also grouped the different
sizes of lockers offered by our branches to customers into various categories from
“1 to 11” (comprising of sizes from A to M) and rent payable at Urban/Semi
urban/Rural branches by customers and staff. A table giving details of the
categories, grouping and rents payable at present has been given in the annexure.
Branches may go through and familiarize the same for calculation of correct rent
payable for every category of locker at a branch for different customers.
Locker –ID (individual locker) creation-Screen-1

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Give
Locker
No
Locker –ID (individual locker) creation-Screen-2
Enter
Locker
Key No
Select
correct
category
ID
Locker ID –creation-Screen 3-Authorization

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3. Opening of locker accounts:
Once the details of all “Cabinet IDs” and the “Locker IDs” are created in the system,
branch may proceed to open the locker accounts for the various lockers already
allotted and also new accounts in case of new allotments.
3.1 Existing Accounts; In case of existing accounts which are to be

migrated to the system, the following details are to be correctly entered in
the fields:
6. Correct CIF or Account No of customer,
7. Original locker opening date
8. Date up to which rent is paid
9. The locker rent due up to June 2013. (Locker rent due is
calculated in the module taking the accounting year as “July to
June of next year”. Therefore, locker rent due from the date up to
which last paid to June 2013 at the prevailing rent rates is to be
manually calculated and populated in the appropriate field.)
10. Details of mode of payment of rent and the account from which
the rent is to be collected.
11. If the locker unit is used by the branch for its own purposes then
no rent is payable and therefore this can also be indicated in
the correct field

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7. Correct Locker ID No and Cabinet ID are to be indicated. This has to

be confirmed clicking the “Verify” button and the category of the
locker (already created in the locker details) is displayed.
8. Sub-category is to be properly selected
Locker account opening –Existing (migrated) locker-Screen 1
Give
the CIF
or A/c
No
Select
SDV:
Create
SDV/SC
account
Locker account opening-screen2-Existing account

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Select “Existing Locker” Enter original locker
for migrated accounts A/c opening date
Give
locker
Enter Cabinet ID
No
&click verify
Verify category
Enter code and select
date up correct
to which subcategory code
rent is
collected
Select mode of rent
payment & enter account
no in case of transfer
Enter
rent due Select “Yes” if locker
till June is used for bank
2019 purposes
Account opening- authorization
Note down
Locker
account No
Account No as displayed on authorization has to be noted down.

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All the existing accounts are to be migrated to the system one by one so that all
accounts are migrated to the system. Care should be taken to migrate correct
particulars in the existing accounts so that the vacant lockers are correctly identified
and allotted to new customers properly.
3.2 New Accounts:

If any vacant locker is allotted to a customer then the procedure will be
1. Select the drop down “ New Locker”

2. Enter correct Locker ID and Cabinet ID and then click “Verify”
3. Verify the category shown by the screen
4. Select the sub-category appropriate to the category of the locker
5. Select the rent payment method
6. Enter the account No in case of transfer
7. No need to enter locker rent details as this will be picked by the system from
the parameters entered
8. Keep Fee waiver field in “No” only
9. Transmit and get the Q authorized
10. Note down the locker No for records.
Screen shots for opening of new locker accounts for general and Staff are given
below:

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Account Opening-New account

Select New Account in
case of fresh allotment of
locker Enter
Enter cabinet ID
Locker and verify
category
No
code; select
correct
sub-categor
Select y code
mode of
rent
payment
Authorization:
Note
down
the
Locker
account
No

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New account-Staff
4. Entering Financial Transactions (Recovery of rent)
Once the locker accounts are opened recovery of rent has to be entered in the
locker accounts as and when they are paid. Normally, in the case of existing
accounts the rent will be paid on the anniversary day of the locker occupation and in
case of new lockers the same will be paid on the same day of opening of account.
But both for existing accounts and new accounts the financial year for rent payment
shall be “July to June” and therefore subsequent rent collections will be made in the
month of July of next year.
In the case of migrated accounts the rent due from the last anniversary date of
locker account opening to June of next year will be noted in the rent due column
and the same becomes payable on July of next year.
E.g. Locker opened date : 05/03/2009

Rent paid so far up to: 05/03/2017 (since rent is payable in advance annual
Rent for the period 05/03/2016 to 05/03/2017 is supposed to have been paid)
Rent due up to 30 06 2017: Rs. 383/- (for 4 months @ Rs. 1150/- for one year
For B category locker)
Rent payable on 01 07 2017 :Rs. 1533/-(Rs. 1150/- for the year 2017-18
plus Rs. 383/- for the arrears as above)

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In case of new accounts, rent is payable for the remaining part of the year up
to next June plus one year rent for the subsequent year (July-June). This will
be calculated by the system and will be shown in the rent due column as
below:
Due enquiry- for fresh account
Verify
fees in
arrears
The screenshot for recovery of rent due for locker account through cash mode is
given below:
Financial Transaction-Receipt of Rent—Cash-Screen 1

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Financial transaction-receipt of cash-Screen-2

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Financial Transaction-receipt of rent-cash-authorization
After the collection of rent due, the same can be verified in the locker account as
shown below:
Enquiry after receipt of rent-
Verify Fee
Due amount

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Incase the rent payment method is noted as “Transfer” the same can be effected as
below:
Receipt of rent-transfer-Screen-1
Receipt of rent-transfer-Screen-2
Verify the
transfer
account no
and BGL
populated by
the system

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Receipt of rent-transfer-Authorization
The Locker account can be verified again by enquiry menu for receipt of the rent
after authorization
5. Enquiries
Enquiries about the lockers, availability, rent due etc can be verified through the
enquiry menu available. A few types of enquiries and the navigation and screen
shots are shown below:
Enquiry: Account level enquiry—Screen1

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Account level enquiry-Screen-2

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Enquiry-Locker wise-Locker due-enquiry
Enquiry-Free vacancies of lockers
Enter
category
one by one
to know
the
vacancy
positio

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Enquiry-Key Enquiry (identifying the locker for a key)
6. Amendments of Locker particulars

Amendments for the following details are available through the front end:
1. Amendment to change the mode of rent collection from cash to transfer and
vice versa
2. Include additional operators for the locker and change of operators
3. Change of Locker account Name
1. Amendment of Fee payment method from cash to transfer and vice

versa-Screen1

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Selection of transfer in place of cash and entering of account No -
Enter
account
No
Change
mode of
fee from
cash to
transfer

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Authorization of change in the rent receipt mode
2. Amendment of account operator details/adding of more operators for

locker-Screen-1

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Adding one more operator in the account-Screen 2
Change
Mode of
operation
–from
single to
multiple-
Add-CIF
of new
operator in
the list
Change of mode of operation and addition of new operator-Authorization

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3. Amendment of Name of the account
Amendment of Name of the account-Screen-2
Change
name as
required
Authorization of change of name of the account

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In case of addition of more operators in the locker account, CIF for additional
operators are to be added and also the name of the account to be changed to
include additional names just like addition of CIFs in SB accounts. Do not
forget to change the mode of operation from “Self” to “Either or Survivor” or
“Anyone or Survivor” etc.
7. Closure of Locker Accounts
Existing Locker accounts can be closed if the customer wishes to close the same. It
must be ensured that there is no rent or any other charge due from the customer.
Also the original key of the locker is to be taken back and verified with records. The
procedure for closing the locker account in shown in the following screen shots.
Closure of Locker Account-Screen 1

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Override is given with message to verify

if any amount is to be refunded; branch
Closure of Locker account –Authorization to do refund separately
On authorization of entry for closure of the locker account, an override message

“Check if some amount is to be refunded” is thrown. Branch Manager can do the
override and close account. Generally the locker rent or any other charges received
are not refunded to the customers even if the rent is paid for the full year. If any
other amount is due to be refunded, the branch can do the same in the normal
transactions and not through the locker menu.

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If rent or any other amount is due from the customer, the system does not allow
closure of the account until the “fee in arrears” is fully collected through the account.
In such cases, the system throws an error message:
“5573: COLLECT ALL THE DUES BEFORE CLOSING”

as shown in the screenshot below:
Error
message
to collect
dues
before
closure
Branch has to arrange to collect all the dues and enter the same through the locker
menu. The locker due in arrears can be verified by the enquiry menu and the branch
may proceed to close the account only if the amount of due is shown as “NIL”.
8. Recording operations of the locker in the locker account
Normally, operations of the locker by the customers are recorded in a separate

register wherein the customers are requested to sign with time and date of
operations. The same may also be recorded in the system to have a record of all
their operations in the system also for future references if any. The method of
registering the operation by an operator in a locker will be done as per the screen
shots shown below:

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Locker Operating-entry-Screen 1
Locker operating entries-Screen 2
Make both
the locker
accessing ID
and Pass
word as
“Yes”
Though the system of providing a password to the customer which he can use for
operating the account is mentioned in the screen, the same is not operational in
the module at present and therefore, the official who is recording the entry can do
the same in the system as shown above themselves without requiring the customer
to type any password.
It may also be noted that the entry can be made both by clerical and officers in their
own terminals without requiring any authorization. But it must be ensured that the

__________________________________________________________________________________________________
entries are made then and there so that, the time of operation is recorded properly.
Entries made in a locker account may be viewed in the system as shown in the
screenshot below:
Enter date
from which
record is
sought
sught
Enter
locker
acct no
It is to be noted that recording of locker operations are not allowed in the

system if there are any “rent due arrears” in the locker account. The system
throws an error as shown below
Error
Message
It is reiterated that recording of entries for operations in a locker account in

registers by obtaining the signature of the operators in the register is not
dispensed with. Branch must continue to obtain the signature of the
operators in the locker operation register as followed hitherto. The operations

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can also be recorded in the system along with manual recording in the
registers as an additional record.
9. Exchange of Keys:
After closure of any locker account by a customer, the bank takes back the key from
the customer. However, it is customary that the same locker is not allotted to any
new customer with the same key due to the fact that the same was in the custody of
another customer for some time previously. Therefore, both the lock and key of the
“surrendered locker” is exchanged with another “surrendered locker” or “non allotted
locker” in the same unit (cabinet with the same master key). In such cases the key
ID details of the lockers for which the locks and keys are exchanged are to be
recorded in the system parameters also to have correct locker records. The key IDs
(no) of two lockers can be exchanged in the system as shown in the following
screen shots.
Exchange of Keys-screen-1
Closed
locker Another
ID closed or
Unalloted
locker ID
It is to be noted that one of locker IDs for which key is to be exchanged is always
“surrendered/closed locker” (Locker 1 in the screen) and the other locker ID can be
another “surrendered/closed locker” or a locker which has not been allotted so far
(Locker2 in the screen).
On authorization the exchange is complete and the same can be verified in the
locker details.

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Exchange of Keys-Screen -2-Authorization
The following points may kindly be taken note of in operating the Locker Module:
1. All locker units (cabinets) and lockers available in the branch must be
created in the system initially and also as when a new unit is supplied and
installed. This will enable the branch to verify the occupation and availability
of lockers at any point of time.
2. Opening of locker accounts both for migrated accounts and new accounts
must be carefully done by selecting the correct category and sub category
codes.
3. Rent due for migrated accounts must be correctly calculated with reference
to the correct category /customer and must be populated in the appropriate
field so that the system takes care of the recovery of the rent.
4. At present the there is no variation in the rent rates between
urban/semi-urban/rural branches. Concession is available in rent for staff for
category “A” size lockers only.
5. All rent recoveries must be carried out only through the locker menu and not
separately since rent arrears are to be reduced by the system for recoveries.
6. Recovery of locker rent through the process of standing instructions is not
available at present in the module
7. At the time of surrendering of lockers, the relevant account must also be
closed in the system without fail so that the process of key exchange and
reallottment of the locker can be done properly without any difficulty.
8. Locker operations may be recorded in the system as per procedure
prescribed without fail.
Please get in touch with the Help desk in case of any clarifications.

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40. Single Window Operator B
All transactions in CBS is taking place with maker-checker concept. A queue for an
entry made by the maker and sent to supervisor for authorization. Separate passing
power can be assigned to users depending on capability level. All Officers in our
bank is assigned with capability level of 15 or 16 and hence any officer can pass a
transaction for any amount.
All Office Assistant (Multi-Purpose) are assigned with capability level of 5 or 6.

Transactions (financial or non-financial) made by OA(MP) with capability level 5, if
the capability is too low for passing the entries made them, will be passed on to the
supervisor for authorization. All cash transactions entered by the OA(MP) with
capability level 5 will be sent for authorization to supervisor.
With effect from 01.02.2010, our bank is implementing the Single Window Operator
B assigning with the following passing powers for OA(MP) (the cadre with Special
Pay):
1. Cash transactions
Sl.no. Transaction Particulars Amount in Rs
No
1 1010 Cash Receipt in 25000.00
Deposit/OD/CC accounts
2 1060* Cash Payment without 20000.00
cheque in Deposit/OD/CC (Pay Order
accounts only)
3 51072* Cash payment by cheque in 20000.00
4 11010 Cash Receipt for 25000.00
repayment in Loan
accounts
* with regard to cash payment in OD/CC accounts SWO-B can make payment
only after the authentication by the Branch Manager in the instrument.
2. Clearing transactions
Sl.no. Transaction Particulars Amount
No
1 1020 Clearing cheque booking in 25000.00
2 11020 Clearing cheque booking in 20000.00
Loan accounts
3. Receipts of cash and issuance of pre-signed drafts upto and including

Rs10,000/-

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These transactions are to be performed by the Single Window Operator ‘B’ for
Home Branch accounts only.
It is the duty of the Single Window Operator B to verify signatures of the account
holder for its correctness and satisfy himself whether the instrument is in order and
should pass the instrument in good faith and without negligence.
The experienced OA(MP) paid with special pay will be assigned with capability level
6 and they can perform the Single Window Operator B duties.
Branch will have to follow the navigation for enabling the single window operation:
Go to the menu: Host Date SynchronisationTxnwise Capabilitywise Limits

Input the transation numbers and transmit.
The details with capability level and limit will be displayed. In the table, against
capability level 6, the limit amount should be entered as given the above table.
Transmit.
Enter similarly for all transaction numbers and after giving the limit, transmit.
Finally click Synchronise button. The changes will get effected.

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41. Annexure
Frequently Used Screen Numbers
Customer Management
Search by CIF Number / Account Number 60450
Deposits, OD / CC
Create Deposit / OD CC account 62000
Create Overdraft Details 2009
CC/OD : Limit Approval 2420
Short Enquiry 400
Long Enquiry 440
Transaction Enquiry 450
CC/OD Closure Enquiry 3000
Account Closure – Credit Balance – Cash 3060
Account Closure – Credit Balance – Transfer 3045
Account Closure – Debit Balance – Cash 3210
Account Closure – Debit Balance – Transfer 3245
Changing Account Details 7050
Deposits: TDS Marking 510
Cash Receipts Into Deposit Account 1010
Cash Payment For Deposit Account By Voucher 1060
Cash Payment By Cheque From Deposit Account 51072
Transfer By Cheque From Deposit Account 51073
Statement of Account 700
Pass book printing - cover page 500
Print Duplicate Passbook 505
Pass book printing - Update entries 600
LOANS
Create Loan / Collateral 62000
CISLA 67152
Generate Disbursement Schedule 12592
Generate Repayment Schedule 17034
Authorise Collateral 67158
Loan Input Validation 12420
Additional Loan Input Validation 12430
Loan Acceptance 12440
Subsidy Processing 67147
Short Enquiry 10400
Long Enquiry 10440

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Loan closure enquiry 13000
Loan closure by cash 13010
Loan closure by transfer 13045
Loan closure from GL 24245
Loan - Stamenet of account 10700
REMITTANCES
Funds Received Through Cash 20010
Issue Of Remittance Instrument 21019
Receipt Of Funds Through Transfer 21031
Issuing Duplicate DD/BPO 21026
Remittance Enquiry 20500
Payment Of Remittance Instrument Through Cash 20072
Payment By Transfer To Account 21073
BRANCH GENERAL ACCOUNTING (BGL)

BGL Cash Credit 20010
BGL Cheque Deposit 20020
Reference No. Search 29042
Reconciliation Enquiry 29043
CGL Single Sided Entry 20046
GENERAL ENQUIRIES
Display Check Digit 9022

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Products Existing in our Bank
Branches are advised to select the products listed in the manual alone. Even
though some of the products will be listed in the drop down menu in the application,
those product codes are not relevant to our bank. Accounts opened in the products
not relevant to our Bank will definitely pose problems at the time of month end
interest calculation. List of products are given below:.
Deposit Products and Product Codes (as on 01.07.2019)
S No ACCT_TYPE INT_CAT DESCRIPTION

1 0111 1361 FD-GEN-PUB-181D-364D
2 0111 1371 FD-GEN-PUB-1Y<2Y-INR
5 0111 1451 FD-GEN-PUB-5Y -ABV-INR
6 0111 1981 FD- TAX SAVER SCHEME-5Y
7 0111 2361 FD-GEN-SRCTZN-181D-364D
8 0111 2371 FD-GEN-SRCITIZEN-1Y<2Y-INR
9 0111 2381 FD-GEN-SRCITIZEN-2Y<3Y-INR
10 0111 2391 FD-GEN-SRCITIZEN-3Y-5Y-INR
11 0111 2451 FD-GEN-SRCITIZEN-ABV5Y-INR
12 0111 3361 FD-STAF-PUB-181D-364D
13 0111 3371 FD-GEN-STF-1Y<2Y-INR
14 0111 3381 FD-GEN-STF-2Y<3Y-INR
15 0111 3391 FD-GEN-STF-A3Y- 5Y-INR
16 0111 3451 FD-GEN-STF-5YANDABV-INR
17 0111 3981 FD- TAX SAVER SCH -STAFF-5Y
18 0111 5361 FD-STF-SRCTZN-181D-364D
19 0111 5371 FD-SRCT-STF-1Y<2Y-INR
20 0111 5381 FD-SRCT-STF-2Y<3Y-INR
21 0111 5391 FD-SRCT-STF-A3Y- 5Y-INR
22 0111 5451 FD-SRCT-STF-5YANDABV-INR
23 0119 1411 FD-NRE-PUB-1Y<2Y-INR
24 0119 1421 FD-NRE-PUB-2Y<3Y-INR
25 0119 1431 FD-NRE-PUB-3Y5Y-INR

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26 0119 1451 FR-NRE-PUB-A5Y-INR
27 0127 1361 FD-PD-PUB-270D<1Y-INR
28 0127 1371 FD-PD-PUB-1Y<2Y-INR
29 0127 1381 FD-PD-PUB-2Y<3Y-INR
30 0127 1391 FD-PD-PUB-3Y<5Y-INR
31 0127 1451 FD-PD-PUB-5Y AND ABV
32 0127 1781 FD-PD-PUB-EXACT 180 D
33 0127 1791 FD-PD-PUB-181D-269D
34 0139 1361 FD-NRO-PUB-181D<1YR-INR
35 0139 1371 FD-NRO-PUB-1Y<2Y-INR
36 0139 1381 FD-NRO-PUB-2Y<3Y-INR
37 0139 1391 FD-NRO-PUB-3Y<5Y-INR
38 0139 1451 FD-NRO-PUB-5Y & ABV-INR
39 0211 1321 STD-GEN-PUB-15D-29D-INR
40 0211 1331 STD-GEN-PUB-30D-45D-INR
41 0211 1341 STD-GEN-PUB-46D-90D-INR
42 0211 1351 STD-GEN-PUB-91D-120D-INR
43 0211 1771 STD-GEN-PUB-121D-179D-INR
44 0211 2311 STD-GEN-SrCTZN-7D-14D-INR
49 0211 2771 STD-SR CTZN-121D-179D-INR
50 0211 3311 STD-GEN-STF-7D-14D-INR
51 0211 3321 STD-GEN-STF-15D-29D-INR
52 0211 3331 STD-GEN-STF-30D-45D-INR
53 0211 3341 STD-GEN-STF-46D-90D-INR
54 0211 3351 STD-GEN-STF-91D-120D-INR
55 0211 3771 STD-GEN-STF-121D-179D-INR
56 0211 5341 STD-STF-SrCTZN-46D-90D-INR
57 0227 1321 STD-PD-GEN-15D-29D-INR
58 0227 1331 STD-PD-GEN-30D-45D-INR

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59 0227 1341 STD-PD-ABV 15L-GEN-46D-90D-INR
60 0227 1351 STD-PD-GEN-91-120D-INR
61 0227 1771 STD-PD-GEN-121-179D-INR
62 0239 1321 STD-NRO-PUB-15D-29D-INR
63 0239 1331 STD-NRO-PUB-30D-45D-INR
64 0239 1341 STD-NRO-PUB-46D-90D-INR
65 0239 1351 STD-NRO-PUB-91D-120D-INR
66 0239 1771 STD-NRO-PUB-121D-179D-INR
67 0311 1361 RIP-GEN-PUB-181D-364D
68 0311 1371 RIP-GEN-PUB-1Y<2Y-INR
69 0311 1381 RIP-GEN-PUB-2Y-3Y-INR
70 0311 1391 RIP-GEN-PUB-3Y-5Y-INR
71 0311 1451 RIP-GEN-PUB-5Y AND ABV
72 0311 1981 RIP- TAX SAVER GEN-PUB -5Y
73 0311 2361 RIP-GEN-SrCTZN-181D-364D
74 0311 2371 RIP-GEN-SrCTZN-1Y<2Y-INR
75 0311 2381 RIP-GEN-SrCTZN-2Y<3Y-INR
76 0311 2391 RIP-GEN-SrCTZN-3Y<= 5Y -INR
77 0311 2451 RIP-GEN-SR CTZN-5Y-INR
78 0311 2981 RIP-TAX SAVER -SRCTZN-5Y
79 0311 3361 RIP-GEN-STF-181D<1Y-INR
80 0311 3371 RIP-GEN-STF-1Y<2Y-INR
81 0311 3381 RIP-GEN-STF-2Y<3Y-INR
82 0311 3391 RIP-GEN-STF-3Y < 5Y - INR
83 0311 3451 RIP-GEN-STF-5Y AND ABV
84 0311 3981 RIP- TAX SAVER-STF-9.5
85 0311 5361 RIP-STF-SrCTZN-181D-364D
86 0311 5371 RIP-GEN-STF-SRCTZN-1Y2Y-INR
87 0311 5381 RIP-SCRT-STF-2Y<3Y-INR
88 0311 5391 RIP-SRCT-STF-3Y < 5Y - INR
89 0311 5451 RIP-SRCT-STF-5Y AND ABV
90 0311 5981 RIP-SRCT-STF-TAX SAVER
91 0319 1391 RIP-NRE-PUB-3Y&ABV-INR

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92 0319 1411 RIP-NRE-PUB-1Y<2Y-INR
95 0319 1451 RIP-NRE-PUB-ABV 5Y-INR
96 0327 1361 RIP-PD-PUB-270D<1Y-INR
97 0327 1371 RIP-PD-PUB-1Y<2Y-INR
98 0327 1381 RIP-PD-PUB-2Y<3Y-INR
99 0327 1391 RIP- PD-PUB-3Y<5Y-INR
100 0327 1451 RIP-PD-PUB-5Y&ABV
101 0327 1791 RIP- PD-181D -269D-INR
102 0339 1361 RIP-NRO-PUB-181D<1Y-INR
103 0339 1371 RIP-NRO-PUB-1Y-2Y-INR
106 0339 1451 RIP-NRO-PUB-5YAND ABV-INR
107 0411 1361 RD-GEN-PUB-9M<1YR-INR
108 0411 1371 RD-GEN-PUB1YR<2YR- INR
109 0411 1381 RD-GEN-PUB-2Y<3Y-INR
110 0411 1391 RD-GEN-PUB-3YR<5YR-INR
111 0411 1451 RD-GEN-PUB-5YRABV-INR
112 0411 1791 RD-GEN-PUB-6M<9M-INR
113 0411 2371 RD-SRCT-1YR<2YR- INR
114 0411 3361 RD-GEN-STF-9M<1YR-INR
115 0411 3371 RD-GEN-STF-1YR<2YR-INR
116 0411 3381 RD-GEN-STF-2YR<3YR-INR
117 0411 3391 RD-GEN-STF-3Y<5Y-INR
118 0411 3451 RD-GEN-STF-5YRABV-INR
119 0411 3791 RD-GEN-STF-6M<9M-INR
120 0439 1371 RD-NRO-PUB1YR<2YR- INR
121 0439 1381 RD-NRO-PUB-2Y<3Y-INR
122 0439 1391 RD-NRO-PUB-3YR<5YR-INR
123 0439 1451 RD-NRO-PUB-5Y&ABV-INR
124 0455 1361 SURABI RD-PUB IYRONLY

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125 0455 1371 SURABI RD-PUB 1Y-2Y
126 0455 1381 SURABI RD-PUB 2Y-3Y
127 0455 1391 SURABI RD -PUB 3Y-5Y
128 0455 1451 SURABI RD-PUB A5Y
129 0455 2371 SURABI RD-SRCT 1Y2Y
130 0455 2381 SURABI RD-SRCZ 2Y-3Y
131 0455 2391 SURABI RD-SRCZ-3Y-5Y
132 0455 2451 SURABI RD-SRCZ A5Y
133 0455 3371 SURABI RD -STF 1Y-2Y
134 0455 3381 SURABI RD -STF 2Y-3Y
135 0455 3391 SURABI RD -STF 3Y-5Y
136 0455 3451 SURABI RD -STF A5Y
137 0455 5371 SURABI RD SR STF 1Y-2Y
140 0455 5451 SURABI RD SR STF A5Y

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SB and Current Accounts products
S No ACC_TYPE SUB_CAT DESCRIPTION

1 2111 1101 SBCHQ-GEN-PUB-METRO-INR
2 2111 1201 SBCHQ-GEN-PUB-URBAN-INR
3 2111 1301 SBCHQ-GEN-PUB-RURAL-INR
4 2111 1581 SBCHQ-GEN-SB SILVER-INR
5 2111 1591 TNGB PLATINUM-SBCHQ-GEN-PU
6 2111 2101 SBCHQ-GEN-SR-METRO-INR
7 2111 3101 SBCHQ-GEN-STF-INR
8 2111 3201 SBCHQ-GEN-STF-INR
9 2111 7101 SBCHQ-GEN-NON INDI-INR
10 2111 7301 SBCHQ-SHG
11 2111 7311 SB CHQ NRLM WOMEN GEN PUB INR
12 2111 7321 SB CHQ NRLM MEN GEN PUB INR
13 2111 7331 SB CHQ NRLM MIXED GEN PUB INR
14 2111 7411 SB CHQ NONNRLM WOMEN GEN PUB I
15 2111 7421 SB CHQ NONNRLM MEN GEN PUB INR
16 2111 7431 SB CHQ NONNRLM MIX GEN PUB INR
17 2111 7561 SBCHQ-GOVT
18 2113 1101 TNGB CHUTTI PLUS WITH CHEQ
19 2113 1201 TNGB YOUTH PLUS WITH CHEQ
20 2119 1201 SBCHQ-NRE-PUB-URBAN-INR
21 2119 1301 SBCHQ-NRE-PUB-RURAL-INR
22 2139 1201 SBCHQ-NRO-PUB-URBAN-INR
23 2147 1101 VIKASSAVINGSKHATA-NO FRILLSA/C
24 2211 1201 SBNCHQ-GEN-PUB-URBAN-INR
25 2211 1301 SBNCHQ-GEN-PUB-RURAL-INR
26 2211 3101 SBNCHQ-GEN-STF-INR
27 2211 3201 SBNCHQ-GEN-STF-INR
28 2211 7101 SBNCHQ-GEN-NON INDIVIDUAL
29 2211 7201 SBNCHQ-SHG-INR
30 2211 7211 SBNCHQ-JLG-INR
31 2211 7311 SB NCHQ NRLM WOMEN GEN PUB INR
32 2211 7321 SB NCHQ NRLM MEN GEN PUB INR
33 2211 7331 SB NCHQ NRLM MIXED GEN PUB INR
34 2211 7411 SB NCHQ NONNRLM WOMEN GEN PUB
35 2211 7421 SB NCHQ NONNRLM MEN GEN PUB I
36 2211 7431 SB NCHQ NONNRLM MIXED GEN PUB

__________________________________________________________________________________________________

37 2211 7561 SBNCHQ-GOVT
38 2213 1101 TNGB CHUTTI PLUS W/O CHEQ
39 2213 1201 TNGB YOUTH PLUS W/O CHEQ
40 2213 1511 TNGB SIRUTHULI SEMIPPU THI
41 2213 1611 TNGB SELVAMAGAL SEMIPPU TH
42 2213 3511 TNGB SIRUTHULI SEMIPPU STA
43 2213 3611 TNGB SELVAMAGAL SEMIPPU ST
44 2247 1101 SB-BASIC SAVINGS BANK DEP A/C
45 2247 1201 TNGB AKSHAYA SAVINGS BANK
46 2311 1201 CA-GEN-PUB-URBAN-INR
47 2311 1301 CA-GEN-PUB-RURAL-INR

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CCOD PRODUCTS
1 2411 1101 OD AGNST DEPOSITS
2 2411 1102 OD AGAINST DEPOSITS STAFF
3 2411 1551 OD-UNSEC- GEN-INR
4 2411 3101 STAFF LOANS(SOD)
5 2441 1101 OVERDRAFTS-SECURED
6 2441 1121 TNGB VYAPAR CC/SOD UPTO 2L
7 2441 1131 TNGB VYAPAR CC/SOD ABOV 2L
8 2441 1141 SME - ODCC - NEW
9 2441 1151 SME MANUFACTURING CCOD
10 2441 1152 WEAVERS CREDIT CARD-CC
11 2441 1161 TNGB PRODUCE MARKETING CC
12 2441 1171 TNGB PENN SAKTHI-CC
13 2441 1181 TNGB PENN SAKTHI - SOD
14 2511 1101 OCC-GEN-PUB-NON PRIORITY
15 2511 1201 OCC-GEN-PUB-PRIORITY ABV 2 L
16 2511 1301 OCC-GEN-PUB-PRIORITY <2L
17 2711 1721 INTERMEDIARY PARKING ACCOUNT
18 2995 9997 STICKY ADVANCES - OD
19 2995 9999 PROTESTED BILLS-OD

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ODCC PRODUCTS
S No Acc_Type Sub_Cat Descriprion
1 5503 0016 REVOLVING FUND(SHG)-OD
2 5503 0027 GENERAL CREDIT CARDS
3 5503 0028 TNGB KCC CUM SAVINGS BANK
4 5503 0047 KCC UPTO 50000 NEW 13042015
5 5503 0048 KCC UPTO 200000 NEW 13042015
6 5503 0049 KCC UPTO 500000 NEW 13042015
7 5503 0050 KCC ABOVE 500000 NEW 13042015
8 5503 0051 AGRI CC-OTH THAN CROP 50000
9 5503 0052 AGRI CC-OTH THAN CROP 200000
10 5503 0053 AGRI CC-OTH THAN CROP ABV 2LAC
11 5903 0001 SHG NRLM PTSLP WOMEN AGRI CCOD
12 5903 0002 SHG NONNRLM PTSLP WOMEN AG CC
13 5903 0003 SHG NONNRLM PTSLP MEN AG CCOD
14 5903 0004 SHG NONNRLM PTSLP MIX AG CCOD
15 5903 0006 SHG NRLM PTSLP WOMEN OPS CCOD
16 5903 0007 SHG NONNRLM PTSLP WOMEN OPS CC
17 5903 0008 SHG NONNRLM PTSLP MEN OPS CCOD
18 5903 0009 SHG NONNRLM PTSLP MIX OPS CCOD
19 5903 0016 SHG AGRI 3L CC 13 %
20 5903 0017 SHG OPS 3L CC 13 %
21 5903 0018 SHG AGRI IVDP 3L CC 12.5%
22 5903 0019 SHG OPS IVDP 3L CC 12.5 %
23 5903 0020 SHG AGRI DHAN 3L CC 12.5 %
24 5903 0021 SHG OPS DHAN 3L CC 12.5 %
25 5903 0022 SHG AGRI ABV 3L 14 %
26 5903 0023 SHG OPS ABV 3L 14 %
27 5903 0024 SHG AGRI IVDP ABV 3L CC 13.5 %
28 5903 0025 SHG OPS IVDP ABV 3L CC 13.5 %
29 5903 0026 SHG AGRI DHAN ABV 3L CC 13.5 %
30 5903 0027 SHG OPS DHAN ABV 3L CC 13.5 %
31 5903 0033 SHG AGRI 3L SUBVN CC 7 %
32 5903 0034 SHG OPS 3L SUBVN CC 7%
33 5903 0035 SHG AGRI IVDP 3L SUBVN CC 7 %
34 5903 0036 SHG OPS IVDP 3L SUBVN CC 7 %
35 5903 0037 SHG AGRI DHAN 3L SUBVN CC 7 %
36 5903 0038 SHG OPS DHAN 3L SUBVN CC 7 %

__________________________________________________________________________________________________

37 5903 0040 SHG NRLM GEN WOMEN AGRI CC 3L
38 5903 0041 SHG NRLM IVDP WOMEN AGRI CC 3L
39 5903 0042 SHG NRLM DHAN WOMEN AGRI CC 3L
40 5903 0043 SHG NRLM GEN WOMEN OPS CCOD 3L
41 5903 0044 SHG NRLM IVDP WOMEN OPS CC 3L
42 5903 0045 SHG NRLM DHAN WOMEN OPS CC 3L
43 5903 0046 SHG NONNRLM GEN WOMEN AG CC3L
44 5903 0047 SHG NONNRLM IVDP WOMEN AG CC3L
45 5903 0048 SHG NONNRLM DHAN WOMEN AG CC3L
46 5903 0049 SHG NONNRLM GEN WOMEN OPS CC3L
47 5903 0050 SHG NONNRLM IVDP WOMEN OP CC3L
48 5903 0051 SHG NONNRLM DHAN WOMEN OP CC3L
49 5903 0052 SHG NONNRLMGEN MEN AGRI CC3L
50 5903 0053 SHG NONNRLM IVDP MEN AGRI CC3L
51 5903 0054 SHG NONNRLM DHAN MEN AGRI CC3L
52 5903 0055 SHG NONNRLM GEN MEN OPS CC3L
53 5903 0056 SHG NONNRLM IVDP MEN OPS CC3L
54 5903 0057 SHG NONNRLM DHAN MEN OPS CC3L
55 5903 0058 SHG NONNRLM GEN MIX AG CC 3L
56 5903 0059 SHG NONNRLM IVDP MIX AG CC3L
57 5903 0060 SHG NONNRLM DHAN MIX AG CC3L
58 5903 0061 SHG NONNRLM GEN MIX OPS CC3L
59 5903 0062 SHG NONNRLM IVDP MIX OPS CC3L
60 5903 0063 SHG NONNRLM DHAN MIX OPS CC3L
61 5903 0070 SHG NRLM GEN WOMEN AG CC ABV3L
62 5903 0071 SHG NRLM IVDP WOMEN AG CC ABV3
63 5903 0072 SHG NRLM DHAN WOMEN AG CC ABV3
64 5903 0073 SHG NRLM GEN WOMEN OPS CC ABV3
65 5903 0074 SHG NRLM IVDP WOMEN OP CC ABV3
66 5903 0075 SHG NRLM DHAN WOMEN OP CC ABV3
67 5903 0076 SHG NONNRLM GEN WOMEN AG AB3L
68 5903 0077 SHG NONNRLM IVDP WOMEN AG AB3L
69 5903 0078 SHG NONNRLM DHAN WOMEN AG AB3L
70 5903 0079 SHG NONNRLM GEN WOMEN OP AB3L
71 5903 0080 SHG NONNRLM IVDP WOMEN OP AB3L
72 5903 0081 SHG NONNRLM DHAN WOMEN OP AB3L
73 5903 0082 SHG NONNRLM GEN MEN AG CC AB3L
74 5903 0083 SHG NONNRLM IVDP MEN AG CCAB3L

__________________________________________________________________________________________________

75 5903 0084 SHG NONNRLM DHAN MEN AG CCAB3L
76 5903 0085 SHG NONNRLM GEN MEN OP CC AB3L
77 5903 0086 SHG NONNRLM IVDP MEN OP CCAB3L
78 5903 0087 SHG NONNRLM DHAN MEN OP CCAB3L
79 5903 0088 SHG NONNRLM GEN MIX AG CCAB3L
80 5903 0089 SHG NONNRLM IVDP MIX AG CCAB3L
81 5903 0090 SHG NONNRLM DHAN MIX AG CCAB3L
82 5903 0091 SHG NONNRLM GEN MIX OPS CCAB3L
83 5903 0092 SHG NONNRLM IVDP MIX OP CCAB3L
84 5903 0093 SHG NONNRLM DHAN MIX OP CCAB3L

__________________________________________________________________________________________________
LOAN PRODUCTS
S No Acc_Type Int_Cat Description
1 3602 0013 SVL 4W OFF/OA NEW090519
2 3602 0014 SVL 2W OFF/OA NEW 090519
3 3603 0014 SHL OFFICERS NEW 14072015
4 3603 0015 SHL CLERKS NEW 14072015
5 3603 0016 SHL SUBSTAFF NEW 14072015
6 3605 0003 NSC.STAF NEW SCHEME
7 3608 0002 STF FLOOD LOAN NEW 171215
8 4001 0003 CCIL -OTHERS
9 4002 0011 VEHICLE LOAN - 2 WHEEL
10 4002 0012 VEHICLE LOAN-4 WHEELER
11 4002 0015 VEHICLE LOAN 2W JL APRAIS
12 4002 0016 TNGB VEHICLE LOAN
13 4002 0021 TNGB VEHICLE LOAN CAR
14 4002 0022 TNGB VEHICLE CAR USED
15 4002 0023 PURCHASE OF VAN/BUS
16 4002 0024 TNGB VEHICLE AUTO 3W
17 4002 0025 TNGB VEHICLE LOAN 2W
18 4003 0001 VEHICLE.LON-EDU INST.
19 4005 0012 HOM.LON-PURCHASE OF SITES
20 4005 0013 HOUSING LOAN-RENOVATIONS
21 4005 0018 HOM.LON-INDIVIDUAL(FLOT).
22 4005 0030 HOUSING LOAN (NON PRI)FLT
23 4005 0032 NEW TNGB HOME LOAN
24 4005 0037 HOME LOAN UNDER NHB RF
25 4005 0038 HOME LOAN GENERAL
26 4005 0039 TNGB RURAL HOUSING SC
27 4005 0040 TNGB URBAN HOUSING SC
28 4005 0041 HOME LOAN NHB REFINAN NEW
29 4005 0042 HOME LOAN NON NHB NEW
30 4005 0043 TNGB HOME FURNISH
31 4007 0005 CLN LOAN SAL.CLASS -FLOAT
32 4007 0006 CLEAN LOAN JL APPRAISERS
33 4007 0021 CLN LOAN TO SAL CLASS NEW
34 4007 0022 VIDHYALAKSHMI
35 4008 0003 PENSION LOAN
36 4008 0004 NON PRIORITY LOANS OTHERS
37 4008 0005 PENSION LOAN NEW

__________________________________________________________________________________________________

38 4011 0004 TNGB SENIOR GOLD
39 4011 0005 NON PRIORITY JL NEW130415
40 4011 0011 JL NON PRIO UPTO 2 LAKH
41 4011 0012 JL NON PRIO ABV 2 LAKH
42 4011 0021 SME JL UPTO 2L 12062017
43 4011 0022 SME JL ABV 2L 12062017
44 4018 0001 MORTGAGE-FLOAT
45 4018 0011 TNGB MORTGAGE LOAN NE
46 4018 0021 PROJ LOAN/COMMERCIAL BULD
47 4021 0001 NSC LOAN -OTHERS
48 4021 0011 LOAN AGNST NSC/KVP/LIC NE
49 4024 0001 EDU.LOAN-STUDIES IN INDIA
50 4024 0002 EDU.LON-STUDIES IN ABROAD
51 4024 0007 EDU.LON- ABROAD STF
52 4024 0008 EDU.LOAN-IN INDIA STAF
53 4024 0031 NSFDC - VELTS - MEN
54 4024 0032 NSFDC - VELTS - WOMEN
55 4202 0001 OTHER PRIORITY LOANS
56 4202 0002 SOLAR LIGHTING SYS JNNSM
57 4202 0011 SOLAR WATER PUMP SYS- NEW
58 4202 0012 TNGB SOLAR HOME LIGHT
59 4202 0013 TNGB SOLAR COMMERCIAL
60 4204 0001 INDIRA AWAS YOJNA SCHEME
61 5003 0002 SSI-TERM LOAN UP TO 20000
62 5003 0003 SSI-TERM LOAN ABOVE 20000
63 5003 0004 SSI-TERM LOANUPTO 2LKHS
64 5003 0005 SSI-TERM LOANABOV 2LKHS
65 5010 0001 SME -P&SE
66 5010 0002 SME-TNGB DOCTOR PLUS
67 5010 0003 SME-TNGB PROF SPECIAL
68 5010 0004 TNGB WEAVERS CR CARD
69 5010 0005 NULM - SME
70 5010 0011 SME - TERM LOAN - NEW
71 5010 0021 SME MANUFACTURING TL NEW
72 5010 0022 MEENAVA THOZHAN
73 5010 0031 SME SRTO TL
74 5010 0041 TNGB PENN SAKTHI TL
75 5011 0001 SME-MICRO ENT-SERVCES

__________________________________________________________________________________________________

76 5012 0001 SME-SMALL ENT-SERVCES
77 5013 0001 SME-SMALL BUSINESS
78 5013 0002 TNGB - MSE
79 5102 0001 SGSY-NON AGRI-INDIVIDUAL
80 5102 0002 SGSY-NON AGRI-GROUPS
81 5501 0001 SHG -AGRI
82 5501 0002 SHG-NON AGRI
83 5501 0003 SHG-GRIHALAKSHMI
84 5501 0004 BULK LOAN TO NGO/MFI-SHG
85 5501 0005 JLG-AGRI
86 5501 0006 JLG-AGRI TNT FRMR
87 5501 0007 JLG-OPS
88 5501 0008 SHG-GOLD PURCHASE
89 5501 0009 SHG-CONSUMER LOAN
90 5501 0010 SHG-IVDP-AGRI
91 5501 0011 SHG-IVDP-NON AGRI
92 5501 0012 SHG-DHAN-AGRI
93 5501 0013 SHG-DHAN-NON AGRI
94 5501 0014 SHG-AGRI-PTSLP
95 5501 0015 SHG-OPS-PTSLP
96 5501 0021 JLG AGRI - BC MODEL
97 5501 0022 JLG OPS - BC MODEL
98 5501 0023 JLG PTSLP AGRI
99 5501 0024 JLG-PTSLP-OPS
100 5501 0031 BULK LOAN TO NGO/MFI TL
101 5501 0032 BULK LOAN LENDING HOU/INF
102 5502 0002 AGRI- JEWEL LOAN 7%
103 5502 0004 AGRI JEWEL LOAN NEW130415
104 5503 0007 AGRI-STPL OTHERS
105 5504 0001 ALLIED AGRI -MEDIUM TERM
106 5504 0002 AGRI-FARM MECHTN.-TRACTOR
107 5504 0003 ADVANCE TO POWER TILLER
108 5504 0004 COMBINE HARVESTER
109 5504 0005 ATL-MISCELLANEOUS
110 5504 0006 ADV-2ND HAND TRACTOR
111 5504 0007 ADV - TRACTOR MAINTENANCE
COLD STORAGE/RURAL
112 5504 0008 GODOWN

__________________________________________________________________________________________________

113 5504 0010 AGRI-KCC /STPL CNVRT MTL
114 5504 0011 ATL-GOVT SP SCHEMES
115 5504 0012 AATL-GOVT SP SCHEMES
116 5504 0013 TNGB GOMATHA PL PUB I
117 5504 0014 TNGB GOMATHA PL WOM I
118 5504 0015 TNGB GOMATHA PL PUBII
119 5504 0016 TNGB GOMATHA PL WOMII
120 5504 0021 AGRI JEWEL TERM LOAN 1216
121 5504 0022 AGRI TERM LOAN - NEW
122 5504 0031 AGRI ALIED TERM LON-DAIRY
123 5504 0032 AGRI ALIED TRM LOAN-SHEEP
124 5504 0033 AGRI ALIED TRM LON-POULTR
125 5504 0034 AGRI ALLIED TERM LOAN-OTH
126 5504 0035 AGRI CLINIC BUSINESS CENT
127 5504 0036 AATL FISHERIES
128 5504 0041 FARM MECHANISATION - NEW
129 5505 0001 KISAN BIKE SCHEME
130 5505 0002 AGRI- VENDOR BIKE SCHEME
131 5505 0003 AGRI-GRAM MAHILA SOWBAGYA
132 5505 0005 AGRI-LAND PURCHASE SCHEME
133 5505 0006 TEA GROWER/PLTN-010406NC
134 5505 0007 COFFEE GRWR/PLTN-010406NC
135 5506 0001 SGSY-AGRI-INDIVIDUALS
136 5506 0003 AGRI - DRI LOAN
137 5506 0004 SGSY-AGRI-GROUPS
138 5506 0011 PMEGP NEW
139 5703 0002 RESTRUCTURED TNGB KCC
140 5901 0003 TNGB PROD MKTG LN NEW
141 5901 0010 SHG AGRI SUBVN 7%
142 5901 0011 SHG AGRI IVDP SUBVN 7%
143 5901 0012 SHG AGRI DHAN SUBVN 7 %
144 5901 0020 SHG OPS SUBVN 7 %
145 5901 0021 SHG OPS IVDP SUBVN
146 5901 0022 SHG OPS DHAN SUBVN
147 5901 0030 SHG NRLM GEN WOMEN AGRI
148 5901 0031 SHG NRLM IVDP WOMEN AGRI
149 5901 0032 SHG NRLM DHAN WOMEN AGRI
150 5901 0033 SHG NRLM PTSLPWOMEN AGRI

__________________________________________________________________________________________________

151 5901 0036 SHG NONNRLM GEN WOMEN AGR
152 5901 0037 SHG NONNRLM IVDP WOMEN AG
153 5901 0038 SHG NONNRLM DHAN WOMEN AG
154 5901 0039 SHG NONNRLM PTSLP WMEN AG
155 5901 0040 SHG NRLM GEN WOMEN OPS
156 5901 0041 SHG NRLM IVDP WOMEN OPS
157 5901 0042 SHG NRLM DHAN WOMEN OPS
158 5901 0043 SHG NRLM PTSLP WOMEN OPS
159 5901 0046 SHG NONNRLM GEN WOMEN OPS
160 5901 0047 SHG NONNRLM IVDP WOMEN OP
161 5901 0048 SHG NONNRLM DHAN WOMEN OP
162 5901 0049 SHG NONNRLM PTSLP WMEN OP
163 5901 0050 SHG NRLM GEN MEN AGRI
164 5901 0051 SHG NRLM IVDP MEN AGRI
165 5901 0052 SHG NRLM DHAN MEN AGRI
166 5901 0053 SHG NRLM PTSLP MEN AGRI
167 5901 0056 SHG NONNRLM GEN MEN AGRI
168 5901 0057 SHG NONNRLM IVDP MEN AGRI
169 5901 0058 SHG NONNRLM DHAN MEN AGRI
170 5901 0059 SHG NONNRLM PTSLP MEN AG
171 5901 0060 SHG NRLM GEN MEN OPS
172 5901 0061 SHG NRLM IVDP MEN OPS
173 5901 0062 SHG NRLM DHAN MEN OPS
174 5901 0063 SHG NRLM PTSLP MEN OPS
175 5901 0066 SHG NONNRLM GEN MEN OPS
176 5901 0067 SHG NONNRLM IVDP MEN OPS
177 5901 0068 SHG NONNRLM DHAN MEN OPS
178 5901 0069 SHG NONNRLM PTSLP MEN OPS
179 5901 0070 SHG NRLM GEN MIXED AGRI
180 5901 0071 SHG NRLM IVDP MIXED AGRI
181 5901 0072 SHG NRLM DHAN MIXED AGRI
182 5901 0073 SHG NRLM PTSLP MIXED AGRI
183 5901 0076 SHG NONNRLM GEN MIXED AGR
184 5901 0077 SHG NONNRLM IVDP MIXED AG
185 5901 0078 SHG NONNRLM DHAN MIXED AG
186 5901 0079 SHG NONNRLM PTSLP MIX AG
187 5901 0080 SHG NRLM GEN MIXED OPS
188 5901 0081 SHG NRLM IVDP MIXED OPS

__________________________________________________________________________________________________

189 5901 0082 SHG NRLM DHAN MIXED OPS
190 5901 0083 SHG NRLM PTSLP MIXED OPS
191 5901 0086 SHG NONNRLM GEN MIX OPS
192 5901 0087 SHG NONNRLM IVDP MIX OPS
193 5901 0088 SHG NONNRLM DHAN MIX OPS
194 5901 0089 SHG NONNRLM PTSLP MIX OPS
195 6501 0001 LON.AGAINST DEPOSIT(OWN)
196 6501 0005 LON AGAINST DEPOSIT(STAFF
197 6512 0011 PREMISES LOAN NEW
198 6512 0012 RENT ENCASHMENT LOAN
199 6516 0001 SMALL LOANS -RETAIL TRADE
200 6516 0003 OPS-GOVT SP SCHEME
201 6516 0004 TNGB VYAPAR TERM LOAN
202 6516 0011 NSKFDC SCH PROJ I LAK GEN
203 6516 0012 NSKFDC SCH PROJ I LAK WOM
204 6516 0013 NSKFDC MCF 50000 GENERAL
205 6516 0014 NSKFDC MCF 50000 WOMEN
206 6517 0001 SMALL LOANS -OTHERS
207 6517 0002 NSFDC MICRO CREDIT FINANC
208 6517 0003 NSFDC MAHILA SAMRIDHI YOJ
209 6517 0004 NSFDC MAHILA KISAN YOJANA
210 6517 0005 NSFDC SILPI SAMRIDHI YOJA
211 6517 0006 NSFDC LAGHU VYAVASAYA YOJ
212 6517 0007 NSFDC GREEN BUSINESS SCHE
213 6517 0008 NSFDC TERM LOAN
214 6520 0001 TRANSPORT OPERATORS
215 6995 9999 PROTESTED BILLS

A B C
1 BGL - BS & PL LIABILITY - BGL NO
2
3 96858 5000505001 Share Capital
4 99101 5000505091 Share Capital Deposits
5 96860 5010505003 Statutory Reserve
6 96862 5010505005 Capital Reserves
7 96864 5010505007 Deferred Tax Reserve
8 96865 5010505008 General Reserves
9 96867 5010505010 P & L Credit Balance
10 99201 1061505063 Unclaimed Deposits
11 98803 1200505006 DDs Payable
12 99102 1200505091 DD issued on Indian Bank
13 98629 1200505001 Non Core DD Issue
14 98627 1900505002 Draft between Core Branches
15 98601 1061505061 Bankers' Pay Order Payable
16 98742 1061505060 Sundry Deposits
17 98809 1300505013 Subsidy Reserve Fund
18 99871 1300505005 Outstanding liabilities
19 98805 1300505002 CGC Claim Received
20 98013 1300505016 Service Tax and FBT payable
21 99103 1300505091 Crop Insurance Premium Payble
22 99104 5301505003 Gratuity Fund
23 97950 1300505021 Parking Account
24 96988 5305505001 Provision for NPA
25 96895 5303505001 Provision for Standard Advances
26 98549 1300505015 ATM claims payable
27 98861 1300505006 TDS(Credit)
28 96529 1300505007 Clearing Adjustment - Payable
29 98544 2810505002 System outward clearing
30 98543 1300505004 System Inward Clearing
31 99151 1501505001 Inter Branch General Account
32 86903 1502505001 C TO C INTER BRANCH
33 99895 1620505008 OBC
34 99865 1620505005 IBC
35 97827 1610505002 Guarantees Issued
36 99152 5451505008 Refinance from NABARD
37 99153 5451505091 Borrowing from Indian Bank
38 99154 1120505002 Borrowing from Others
39 97150 1501505002 TNGB CBS - CROWN A/C
BGL - BS & PL ASSET - BGL NO
98903 2000505001 Cash on hand

98821 2100505001 Balance with RBI
98823 2100505003 CA with State Bank of India
99105 2100505091 CA with Indian Bank
97156 2100505091 Current A/c with IB - NEFT
97157 2100505091 Current A/c with IB - RTGS
97158 2100505091 Current A/c with IB - IMPS
97159 2100505091 Current A/c with IB - NPCI
98827 2100505007 CA with Other banks
97151 2100505007 Current A/c with IOB - NEFT
97153 2100505007 Current A/c with IOB - IMPS
97154 2100505007 Current A/c with IOB - NPCI
97155 2100505007 Current A/c with IOB - TREPS
99161 2100505020 SB with Indian Bank
99106 2100505092 Deposits with Indian Bank
98828 2100505008 Deposits with other Banks
96739 6001505014 Investments with NABARD
96732 6001505007 Debentures and Bonds
96738 6001505013 Investments in Govt. Securities
96729 6001505004 Investements in Gratuity Funds
98644 2460505025 Bill Purchased
99913 2460505026 ICOOC
96524 2500505001 Premises
99886 2520505001 S.F.V.M
97160 2520505001 SFVM - METAL FURNITURE
97161 2520505001 SFVM - WOODEN FURNITURES
97162 2520505001 SFVM - ELECTRICAL INSTALLATIONS
97163 2520505001 SFVM - BICYCLES
97164 2520505001 SFVM - MOTOR CYCLES
97165 2520505001 SFVM - COMPUTER & PERIPHERALS
96749 6201505001 Interest accrued on investements
96526 2801505001 BPFR
99887 2801505003 Book Forms & Stationery
96302 2801505047 Debt Relief receivable
99107 6011505091 Int. Subvention receivable
96530 2801505015 Government Pension etc
99877 2801505011 Stamps
99902 2801505008 Festival Advance
99902 2801505009 Int.free Salary Adv.
96740 6011505001 Tax Deducted at source
96641 6011505002 Advance Tax Paid
96424 6011505014 Deferred Tax
98848 2801505028 DDs issued cancelled a/c
99632 2801505039 ServiceTax Paid(Input Credits)
99888 2801505004 Sundries Receivable - deposits
99889 2801505005 Sundries Receivable - II
98501 2801505032 ATM claimsreceivables account
98630 2600505001 Non Core DD Payment
99879 2801505023 Funds in Transit
96660 6101505020 Prepaid expenditure
98544 2810505002 System outward clearing
98543 1300505004 System inward clearing
99893 2801505013 Clearing adjustment receivable
98839 2801505019 Cheque return account
99151 1501505001 Inter Branch General Account
99883 2820505001 Contra Accounts
99155 2100505091 Balance in CA with Indian Bank for DD
99156 2100505007 Balance in CA with own branches
97150 1501505002 TNGB CBS - CROWN A/C
BGL - BS & PL BS - BGL
BGLNO/
CGL Liabilities BGL CGL Assets
Product
Capital 98903 2000505001 Cash on hand

96858 5000505001 Share Capital
99101 5000505091 Share Capital Deposits 98821 2100505001 Balance with RBI
Reserves & Surplus Balance with Banks in CA

96860 5010505003 Statutory Reserve 98823 2100505003 State Bank of India
96862 99105,
99155,
97156,
97157,
97158,
5010505005 Capital Reserves 97159 2100505091 Indian Bank
96864 98827,
99156,
97151,
97153,
97154,
5010505007 Deferred Tax Reserve 97155 2100505007 Other banks
96865 5010505008 General Reserves 99161 2100505020 SB with Indian Bank
96867 5010505010 P & L Credit Balance Balance with Banks in TD
99106 2100505092 Deposits with Indian Bank
Borrowings 98828 2100505008 Deposits with other Banks
99152 5451505008 Refinance from NABARD
99153 5451505091 Borrowing from Indian Bank Investments
99154 1120505002 Borrowing from Others 96739 6001505014 Investments with NABARD
96732 6001505007 Debentures and Bonds
Term Deposits From Banks 96738 6001505013 Investments in Govt. Securities
Product 1000505091 Indian Bank 96729 6001505004 Investements in Gratuity Funds
Product 1000505001 Other Banks
Advances - Agriculture
Term Deposits From Others Product 2430505025 Jewel Loan - Agriculture
Product 1000505004 Short Term Deposits Product 2430505027 STPL
Product 1000505002 Fixed Dep. Product 2430505028 Kissan Credit Card
Product 1000505005 Recurring Deposit Product 2440505078 Term Loans - Agriculture
Product 1000505008 FCNR (B)- FD Product 2480505064 Prot. Bills
Product 1020505005 FCNR(B)-RIP Product 2480505066 Stagnant advances
Product 1000505010 NRE-FD Product 2440505074 SHG - Agriculture
Product 1020505003 NRE-RIP Product 2441505001 IA on STPL & STPCC
Product 1020505002 Reinvestment Deposit Product 2441505002 Int. accd. AJL
Product 1030505001 Cash Certificate Product 2441505003 Int. accd. ATL / AATL
Product 1030505005 Kalaivani deposit
Product 1030505019 Kalaivani deposit Matured for Payment Advances - Other Priority
Product 1030505006 Kamadenu Deposit Product 2400505091 Overdraft - OPS
Product 2420505091 Open Cash Credit - OPS
Demand Deposits From Banks Product 2430505034 Jewel Loans - OPS
Product 1060505091 Indian Bank Product 2440505091 Term Loans - OPS
Product 1060505002 Other Banks Product 2440505069 Loan Others - OPS
Product 2440505060 SSI Term Loan
Demand Deposits From Others Product 2440505093 SHG - OPS
Product 1050505001 Savings Bank Product 2441505004 Int accd on SSI Term Loan
Product 1050505003 SB NRE Product 2441505006 Int accd on Term loans - OPS
Product 1061505056 Current A/cs Product 2441505005 Int. accd. - Loan others - OPS
Product 1061505058 Credit balance in OD
Product 1061505057 Credit balance in CC Advances - Non Priority
Product 1061505059 Overdue Dep. Product 2400505092 OD - Non Priority
99201 1061505063 Unclaimed Deposits Product 2420505092 Open Cash Credit - Non Priority
Product 2410505016 TOD in current accounts
TOTAL DEPOSITS Product 2410505017 TOD in SB accounts
Product 2430505024 Loan on Deposit
BGLNO/
Product
Interest Accrued on deposits Product 2430505026 Jewel Loan - Non Prioirty

Product 1400505001 Int accd. On Term Deposit from banks Product 2440505092 Term Loans - Non Priority
Product 1400505002 Int. accd. On Term Deposit from Public Product 2440505070 Loan Others - Non Priority
Product 1400505017 IAPTD-INTEREST PAYOUT Product 2480505053 Defaulted guarantees
Product 1400505004 Int. accd. On NRE term deposits Product 2450505081 Staff CCL
Product 1400505009 Int. accd. On FCNR (B) deposits Product 2450505082 Staff VL
Product 1400505010 Int. accd. On Kamdenu deposits Product 2450505083 Staff HL
Product 1410505001 Int. accd. On R D Product 2450505089 Staff Computer loan
Product 1410505013 Int. accd. On Kalaivani deposits Product 2450505088 Staff Flood loan
Product 1410505003 Interest accrued on SB Product 2450505090 Other Staff Loans
Product 2450505086 Staff NSC loan
Bills Payable Product 2451505011 Int accd on SHL
98803 1200505006 DDs Payable Product 2451505012 Int accd on SVL
99102 1200505091 DD issued on Indian Bank 98644 2460505025 Bill Purchased
98629 1200505001 Non Core DD Issue 99913 2460505026 ICOOC
98627 1900505002 Draft between Core Branches
98601 1061505061 Bankers' Pay Order Payable TOTAL ADVANCES
96524 2500505001 Premises
99886,
97160,
97161,
97162,
97163,
97164,
Other Liabilities 97165 2520505001 S.F.V.M
98742 1061505060 Sundry Deposits
98809 1300505013 Subsidy Reserve Fund Other Assets
99871 1300505005 Outstanding liabilities 96749 6201505001 Interest accrued on investements
98805 1300505002 CGC Claim Received 96526 2801505001 BPFR
98013 1300505016 Service Tax and FBT payable 99887 2801505003 Book Forms & Stationery
99103 1300505091 Crop Insurance Premium Payble 96302 2801505047 Debt Relief receivable
99104 5301505003 Gratuity Fund 99107 6011505091 Int. Subvention receivable
97950 1300505021 Parking Account 96530 2801505015 Government Pension etc
Product 5401505003 Interest Accrued on Borrowings 99877 2801505011 Stamps
96988 5305505001 Provision for NPA Product 2801505008 Festival Advance
96895 5303505001 Provision for Standard Advances Product 2801505009 Int.free Salary Adv.
98549 1300505015 ATM claims payable 96740 6011505001 Tax Deducted at source
98861 1300505006 TDS(Credit) 96641 6011505002 Advance Tax Paid
99872 1300505029 TDS CREDIT OTHERS 96424 6011505014 Deferred Tax
99873 1300505030 TDS CREDIT SALARY 98848 2801505028 DDs issued cancelled a/c
96855 1120505002 REFINANCE FROM NSKFDC 99632 2801505039 ServiceTax Paid(Input Credits)
96985 1300505021 INCA MOC Adjustment A/c 99888 2801505004 Sundries Receivable - deposits
99889 2801505005 Sundries Receivable - II
98501 2801505032 ATM claimsreceivables account
98630 2600505001 Non Core DD Payment
99879 2801505023 Funds in Transit
96660 6101505020 Prepaid expenditure
Clearing 98016 2801505007 Write Off Claim Account
96529 1300505007 Clearing Adjustment - Payable
98544 2810505002 Clearing outward Clearing
98543 1300505004 Clearing inward 98544 2810505002 Clearing outward
98543 1300505004 Clearing Inward
99893 2801505013 Clearing adjustment receivable
Inter Branch Transactions 98839 2801505019 Cheque return account
99151 1501505001 Inter Branch General Account
97150 1501505002 TNGB CBS - CROWN A/C Inter Branch Transactions
86903 1502505001 C TO C INTER BRANCH 99151 1501505001 Inter Branch General Account
NO BGL 1106505001 Inter Branch Transaction 97150 1501505002 TNGB CBS - CROWN A/C
NO BGL 1106505001 Inter Branch Transaction
BGLNO/
Product
Income
Contra Accounts Expenditure

99895 1620505008 OBC
99865 1620505005 IBC Contra Accounts
97827 1610505002 Guarantees Issued 99883 2820505001 Contra Accounts
NO BGL 9260505001 LIABILITY BALANCING NO BGL 9260505001 LIABILITY BALANCING
LIABILITY TOTAL ASSET TOTAL

BGL - BS & PL EXP - BGL
98116 3001505001 Int paid on Dep From Banks

97830 3010505001 Int paid on Fixed Deposits
97838 3010505002 Int paid on Recurring deposits
97801 3010505005 Int paid on FCNR(B)-Fixed
97831 3010505007 Int paid on NRE-FD
97841 3010505014 Int paid on Reinvestment plan deposits
98266 3010505015 Int paid on NRE-RIP
98264 3010505017 Int paid on FCNR(B)-RIP
98261 3010505020 Int paid on Cash certificates
98257 3010505024 Int paid on Kalaivani deposit scheme
98256 3010505025 Int paid on Kamadenu deposit
98201 3010505035 Int paid on Short Term/Short Notice Depos.
97828 3010505039 Int paid on Savings bank deposit
97829 3010505041 Int paid on NRE-SB
99108 3010505091 Int paid on Dep from Indian Bank
98115 3003505001 Int paid on Bank Borrowings
96992 7000505003 Int paid on Borrowings from NABARD
96666 7000505011 INT PAID ON BORROWINGS OTHERS
96667 7000505012 INT PAID - BORR- GENERAL REFIN
96671 7000505020 INTEREST PAID ON GOI BORROWING
99109 7000505091 Int Paid on Borrowing from Indian Bank
98001 3101505001 Basic Salary-officers
98002 3101505002 Basic Salary-clerks
98004 3101505003 Basic Salary-Substaff
98005 3101505004 Basic Salary for Part-time
99110 3101505091 Basic Salary for IB Officers
95140 3101505092 SALARY FOR ADVISOR
98032 3102505001 Special allowance-officers
98033 3102505002 Special allowance-clerks
98035 3102505003 Special allowance-Substaff
98036 3102505004 Special Allowance-Parttime emp
98037 3103505001 Dearness Allowance-officers
98038 3103505002 Dearness Allowance-clerks
98040 3103505003 Dearness Allowance-Substaff
98041 3103505004 Dearness Allowance -Part time
99111 3103505091 Dearness Allowance - IB Officers
98061 3105505001 Medical aid-officers
98062 3105505002 Medical aid-clerks
98064 3105505003 Medical aid-Substaff
98065 3105505004 Medical aid-Part time employes
96962 3105505005 Reimb of Medical expenses - IB officers
99112 3105505091 Medical aid-IB Officers
97805 3106505001 City Compensatory alwn officer
97806 3106505002 City Compensatory alwn clerk
97807 3106505003 City Compensatory alwnSubstaff
97808 3106505004 City Compensat alwn Part time
99113 3106505091 City Compensat alwn - IB Officers
98014 3107505001 HRA - officers
98015 3107505002 HRA - clerks
98017 3107505003 HRA - sub staff
98018 3107505004 HRA - Part time employees
99114 3107505091 HRA - IB Officers
95141 3107505092 HRA – ADVISOR
98274 3108505001 Rent for staff quart officers
98275 3108505002 Rent for staff quart clerks
98276 3108505003 Rent for staff quart Substaff
98277 3108505004 Rent for staffquart Part time
99115 3108505091 Rent for staffquart IB Officers
98024 3109505001 Other Allowances-officers
98025 3109505002 Other Allowances-clerks
98027 3109505003 Other Allowances-Substaff
98028 3109505004 Other Allowances -Part time
99116 3109505091 Other Allowances - IB Officers
98077 3111505001 LFC - Officers

98078 3111505002 LFC - Clerks
98079 3111505003 LFC - Sub staffs
98080 3111505004 LFC - Part time employees
99117 3111505091 LFC - IB Officers
97803 3112505001 Wages to temp emp - sub staff
97804 3112505002 Wages to temp emp -part time
97909 3114505001 Closing allowance to officers
98096 3115505001 EPL - Officers
98097 3115505002 EPL - Clerks
98098 3115505003 EPL -Substaff
98099 3115505004 EPL -Part time employees
99118 3115505091 EPL -IB Officers
97913 3116505001 Officiating allowance-officers
97914 3116505002 Officiating allowance-clerks
97915 3116505003 Officiating allowance-substaff
97916 3116505004 Officiating allowance-parttime
97931 3120505003 Washing allowance to sub-staff
97932 3120505004 Washing allowance to part time
98085 3122505003 Uniforms to substaff-substaff
98086 3122505004 Uniforms to substaff-Part time
98081 3123505001 Inc for small family officers
98082 3123505002 Inc for small family Clerks
98083 3123505003 Inc for small family Sub Staff
98084 3123505004 Inc for small family Part time
97951 3126505002 Conv Allwnce to award- Clerks
97952 3126505003 Conv Allwnce to award-Substaff
97953 3126505004 Conv Allwnce to award-Parttime
98880 3127505001 Encashment of LFC - officers
98881 3127505002 Encashment of LFC - Clerk
98882 3127505003 Encashment of LFC-Substaff
98883 3127505004 Encashment of LFC-PTE
95102 7301505001 PF Employers Contribution - Officers
95103 7301505002 PF Employers Contribution - Clerks
95104 7301505003 PF Employers Contribution - Substaff
95105 7301505004 PF Employers Contribution - PTE
95106 7301505005 Gratuity - Officers
95107 7301505006 Gratuity - Clerks
95108 7301505007 Gratuity - Substaff
95109 7301505008 Gratuity - PTE
95110 7301505009 Bonus - Officers
95111 7301505010 Bonus - Clerks
95112 7301505011 Bonus - Substaff
95113 7301505012 Bonus - PTE
95115 7301505014 Pension - Officers
95116 7301505015 Pension - Clerks
95117 7301505016 Pension - Substaff
95118 7301505017 Pension - PTE
95128 7301505027 Sub.All.Hosp.Officer
95129 7301505028 Sub.Allow.Hosp.Clerk
95130 7301505029 Sub.Allow.Hosp - SS
95131 7301505030 Pres.Mome.Ret.Officer
95132 7301505031 Pres.Mome.Ret.Clerks
95133 7301505032 Pres.Mome.Ret. S S
95134 7301505033 Reimb.Acce.Ph Officer
95138 7301505037 TA To IB Officers
96938 3301505001 Trave exp on transfers-officer
96939 3301505002 Trave exp on transfers-clerks
96940 3301505003 Trav exp on transfrs-substaff
96941 3301505004 Trav exp on transfrs-parttime
96942 3301505005 Trav.Exp-TRF-excl-fare-OFF
96944 3301505007 Trav.Exp-TRF-excl-fare-SS
96945 3301505008 Trav.Exp-TRF-excl-fare-PTE
96946 3302505001 Trav exp othr journy-Officers

96947 3302505002 Trav exp othr journy-clerks
96948 3302505003 Trav exp othr journy-substaffs
96949 3302505004 Trav exp othr journy-parttime
96950 3302505005 Trav.Exp-OJ-excl-fare-OFF
96951 3302505006 Trav.Exp-OJ-excl-fare-CLK
96952 3302505007 Trav.Exp-OJ-excl-fare-SS
96953 3302505008 Trav.Exp-OJ-excl-fare-PTE
98066 3303505001 Travel expenses - others
96954 3304505001 Travel expense on-training off
96955 3304505002 Travel expense on-training Cle
96956 3304505003 Travel expense on-training SS
96957 3304505004 Travel expense on-training PTE
96958 3304505005 Trav.Exp-TRG-excl-fare-OFF
96959 3304505006 Trav.Exp-TRG-excl-fare-CLK
96960 3304505007 Trav.Exp-TRG-excl-fare-SS
96961 3304505008 Trav.Exp-TRG-excl-fare-PTE
95142 7301505092 TA TO ADVISOR
98042 3201505001 Rent - Office Premises
98043 3201505002 Rent - Clearing House
98068 3201505004 Rent - Office Equipment
98069 3201505005 Rent - Generators
98070 3201505006 Rent - Others
98006 3202505001 Insurance - Furniture&Fixtures
98007 3202505002 Insurance - Stationery
98008 3202505003 Insurance - Vehicle
98009 3202505004 Insurance - Own Buildings
98010 3202505005 Insurance - Computers
98011 3202505006 Others Insurance
96923 3202505007 Insurance-Motor cars
98044 3203505001 Own Bulidings Taxes
98045 3203505002 Vehicle Tax
97957 3203505003 Profession Tax
97958 3203505004 Water Tax
97959 3203505005 Other Taxes
97947 3204505001 Electricity charges
97948 3204505002 Replacment-Electrical Fittings
97949 3204505003 Other fittings
98047 3205505001 Legal Expenses - Advances
98860 3205505002 Legal Expenses - others
97901 3206505001 Postages
98046 3206505002 Telegram Charges
97902 3206505003 Telephone Chrgs (Rental&Local)
97903 3206505004 Trunck call Charges
99702 3206505005 Telex/Fax Charges
98048 3206505006 Courier charges
97906 3206505007 VSAT charges
97907 3206505008 Internet charges
96925 3206505010 Teleph.Charges-Leased Line
98054 3207505001 Printing And Stationery
98100 3501505001 Repairs to safes,furnitures
98101 3501505002 Repairs to machinery
98102 3501505003 Repairs to vehicles - Two Wheeler
98103 3501505004 Repairs to buildings
98104 3501505005 Repair to computer hardware
96926 3501505006 Repairs Vehi. - Motor Cars
98105 3502505001 Maintenance of Motor vehicles
98106 3502505002 Fuel expenses - Generator
98107 3502505003 Maintenance of office premises
96571 3502505004 Maintnanc of computer equipments
98109 3502505005 Maintnanc of Office Equipments
98110 3502505006 Maintnanc of Computer Software
96927 3502505007 Mainten. Vehicles-Motor Cars
96695 7210505001 MAINTENANCE OF A/C PLANT

96696 7210505002 MAINTANCE OF BANK PROPERTY
95137 7301505036 Incentive to Executives
98301 3208505001 Subscription Of NewsPapers - Staff
98302 3208505002 Fuel Expenses-Motor Vehicle
98303 3208505003 Entertainment Expenses
98305 3208505005 Fees-others
98306 3208505006 Agency Commission
98307 3208505007 Brokerage and Commn (Exp)
98308 3208505008 Residual Expenditure
98309 3208505009 Armed Guards
98310 3208505010 Expenses on Non-Banking Assets
98311 3208505011 Appraisers Fees
98322 3208505013 Refund of Interest on loans
98323 3208505014 Refund of Comm on Gaurantees
98325 3208505017 IDCOR-int on delay col remitnc
98315 3208505020 Convey Exp reimbrsd to officer
98316 3208505021 Upfront Fee paid to SIDBI/IDBI
98317 3208505022 Exp on Dep Mobilisation
98318 3208505023 Local con.Exp reimbursed(staff
98319 3208505024 Data Processing charges
98320 3208505025 Guarantee Fee paid account
96999 7001505024 Writing off of other assets
99636 3208505028 Guard Charges
99637 3208505029 Incentive paid to busi.facilit
96928 3208505030 Subspn.to Newspaper - Bank
96929 3208505031 Fuel Exp-Motor cars
96930 3208505032 Entertain exp-Club Memb Fee
96931 3208505034 Residual exp- Gifts&Mementos
96932 3208505035 Fees Officers CISA/CISSP Cert
96933 3208505036 Incent-Cert/Dip in Comp Prog
96935 3208505038 Welfare to Women Employees
96936 3208505039 Outof Pocket Expenditure BMs
96983 3208505041 REFUND OF MULTI CITY CHARGES
96831 3208505042 Loyalty Point Paid A/c
96832 3208505043 Visa Assessment Charge
96436 3208505044 Comm-Paid InterBank Deals
96346 3208505053 Exp for Br Opening/Shifting
96347 3208505054 Exp for BLBC/RCC/REV/OTH Meet
96348 3208505055 Exp for Recvry Camp/LokAdalat
96349 3208505056 Exp for Busi.Promotion Campn
96350 3208505057 Prem for PAI Policy for IBKC
96585 3208505059 Water Charges
98059 3601505001 Advertisement AND Publicity
98060 3701505001 Loss on Sale of Assets
94201 7001505001 Mile Stone Award-Stf
94202 7001505002 Reward-Resist Decoit
94203 7001505003 Cash Comp Dependants
94206 7001505006 Extl. Training Fees
94207 7001505007 Rect./Promotion Exp.
94208 7001505008 Exp. On Stamps (POA)
94209 7001505009 H.A To Executives
94210 7001505010 Honarorium
94211 7001505011 Dir. Sitting Fees
94212 7001505012 Dir. Travel. All.
94213 7001505013 Dir. Halting All.
96673 7001505014 DONATION
96775 7001505015 Fees others stamp duty
96674 7001505016 FEES OTHERS INCOME TAX
96675 7001505017 EXCHANGE SWAP TRANSACTION
96776 7001505018 Custody charges
96777 7001505019 Transaction fee CCIL/SGF
96676 7001505020 TRANSACTION FEE CCIL/SGF/ID
96677 7001505021 REIMB-NOMINAL ACCTS ABV 10 YRS

96778 7001505022 Amortization of investments
96999 7001505024 Write off of other assets
96679 7001505025 AUDITORS FEES
96987 7001505026 TA to Auditors
96779 7001505027 Broken Period Intpaid SLR
96780 7001505028 Broken Period Intpaid NonSLR
96680 7001505029 UPFRONT FEE
96351 7001505033 Bank`s share of Parliament exp
96354 7001505036 Reimb of Temp.Driver's salary
96355 7001505037 ATM issuer fees paid(EXP)
96370 7001505038 SPONSORSHIP EXPENSES
96781 7030505001 Security Transaction tax
96684 7101505001 PC - NPA ADVANCES
96782 7101505002 P/C_NPA Investments
96783 7101505003 P/C_Deprn on Investments
96685 7101505004 PC - STANDARD ADVANCES
96686 7101505005 PC - FRAUDS FORGERIES
96687 7101505006 PC - INCOME TAX
96688 7101505007 PC - FRINGE BENEFIT TAX
96689 7101505008 PC - WRITE OFF CLAIMS
96690 7101505009 PC - RESTRUCTURING ADVANCES
96693 7101505012 PC - CLAIMS AGAINST THE BANK
96694 7101505013 PC - OTHER CONTINGENCIES
96523 7101505014 PROVISION-CONTINGENCY-INVEST
96430 7101505015 P & C - HO Expenses
96429 7101505016 P & C - Int on subvention Fund
96360 7101505017 P&C WriteOff Claims (RBD)
96698 7220505001 LOSS ON REVALUATION ASSETS
96784 7220505002 Loss on sale of securities
96785 7220505003 Loss on reval of investments
96786 7220505004 Loss on sale/redemptn of sec
96787 7220505005 Loss on Sec Short Sold acct
96509 7990505001 Depreciation - SFVM
96510 7990505002 Depreciation - Building
99171 3208505060 INCENTIVE FOR PASSING JAIIB/CAIIB/CERT COURSE BY IIBF
99172 7301505038 ADMN CHARGES FOR PF
99173 7301505039 INSP CHARGES FOR PF
99174 7301505040 INSURANCE - EDLI
99175 7301505041 INSURANCE - GROUP PERSONAL ACCIDENT POLICY
99176 7001505039 TRAINING EXPENSES INTERNAL
99177 3115505005 INSURANCE - GROUP LEAVE ENCASHMENT SCHEME
99178 3105505017 REIMBURSEMENT OF HOSP EXPENSES-RRB OFFICERS
99179 3105505018 REIMBURSEMENT OF HOSP EXPENSES RRB OFF ASST
99180 3105505019 REIMBURSEMENT OF HOSP EXPENSES-RRB OFF ATTEND
99181 3208505061 IBA MEMBERSHIP FEES
99182 3128505001 DA ON SPL ALLOWANCE - OFFICERS
99183 3128505002 DA ON SPL ALLOWANCE - OFF ASSIST
99184 3128505003 DA ON SPL ALLOWANCE - OFF ATTEND
99185 3128505004 DA ON SPL ALLOWANCE - IB OFFICERS
99186 3102505005 SPL ALLOWANCE - IB OFFICERS
96966 3105505009 Reimbursement of medical Expenses - Officers
96967 3105505010 Reimbursement of medical Expenses - Clerks
96968 3105505011 Reimbursement of medical Expenses - Substaff
BGL - BS & PL INCOME - BGL
99065 4001505001 Int. on Advances to Banks

99066 4100505001 Int. on loans,cash credit,overdraft
98383 4100505002 Int. on Inland Bills Purchased
99905 4100505003 Int. on Foreign Bills purchased
99067 4100505004 Int. on Jewel Loans - Non Prioirity
99068 4100505005 Int. on Staff Housing Loans
99070 4100505008 Penal Interest on CC Loans
99071 4100505009 Penal Int On Staff Housing
99072 4100505011 Int. Miscellaneous
99075 4100505014 Int. reversal on Fresh NPA
99119 4100505015 Int. On Crop Loans[ 7%]
99120 4100505016 Int. on Home Loan Residents
99121 4100505017 Int. on Home Loan- NRI
99122 4100505018 Int. on Plot loan resident
99123 4100505019 Int. on Plot loan - NRI
99124 4100505020 Int. on Salary Loan
99125 4100505021 Int. on Staff Vehicle Loan
99126 4100505022 Int. on Prof Spl
99127 4100505023 Int. on NSC Loan
99150 4100505025 Int On Rent Encash
99128 4100505081 int. on Jewel Loan - Agriculture
99129 4100505082 int. on STPL
99130 4100505083 int. on Kissan Credit Card
99131 4100505084 int. on Term Loans - Agriculture
99132 4100505085 Int. on Overdraft - OPS
99133 4100505086 Int. on Open Cash Credit - OPS
99134 4100505087 Int. on Jewel Loans - OPS
99135 4100505088 Int. on Term Loans - OPS
99136 4100505089 Int. on Loan Others - OPS
99137 4100505090 Int. on SSI Term Loan
99138 4100505091 Int. on OD - Non Priority
99139 4100505092 Int. on Open Cash Credit - Non Priority
99140 4100505093 Int. on Loan on Deposit
99141 4100505094 Int. on Term Loans - Non Priority
99142 4100505095 Int. on Loan Others - Non Priority
99143 4100505096 Int. on Defaulted guarantees
99144 4100505097 Int. on Staff Computer loan
99145 4100505098 Int. on Staff Flood loan
99146 4100505099 Int. on Other Staff Loans
99147 4200505000 Interest on Investment (NABARD)
96788 8000505001 Int on Participation Cert
96789 8000505002 Interest Recd on Deposit with Other Banks
96790 8000505003 Dividend on shares
96791 8000505004 Interest on C.R.R
96792 8000505005 Int on call and term lending
96793 8000505006 Int on central govt. Sec
96794 8000505007 Int on state Govt. Securitie
96795 8000505008 Interest on OTS
96796 8000505009 Interest on LMB
96797 8000505010 Interest on Mutual Fund Unit
96798 8000505011 Int on Central govt spl Sec
96799 8000505012 Int on Debentures and Bonds
96800 8000505013 Interest on IRS
96699 8000505016 INT ON COMPANY DEPOSIT - IDBI
96835 8000505017 Interest on ReCAP Bonds
96836 8000505018 Int on Deb and Bonds(TaxFree
96837 8000505019 Interest on LAF
96838 8000505020 Interest on CGS NON SLR
96840 8050505001 Discount on treasury Bill

96841 8050505002 Discount on Investment
96842 8050505003 Discount on Commercial Pupos
96843 8050505004 Discount on cert of Deposits
96844 8050505005 Discount on CBLO Lending
99148 8000505091 Interest recd on deposit with Indian Bank
98347 4500505001 Comm on In.Bills for colection(IBC,OBC
97942 4500505002 Comm on Bills Purchased
98401 4500505004 Comm on DD and BPO
99079 4500505005 Comm on Fire Insurance Permium
99884 4500505006 Comm on Guarantees
97935 4500505007 Comm on Miscellaneous
99080 4500505008 Comm on Turnover Commission
99081 4500505009 Comm on Brokerage and Commn(Income)
99082 4500505010 Comm on Stock Invest issued
99083 4500505012 Comm on Insurance business
99628 4500505013 TURN-OVER COMM NOT ATTR S.TAX
97910 4600505001 Commission on FBP/FBN
97960 4600505002 Commission on FOBC
96435 4600505012 Comm-Recd InterBank Deals
99149 4500505091 Comm on Other Bank DD
99077 4300505000 Penal Interest on RD.Rp etc
99078 4400505000 Discount Income
98482 4700505000 Profit on Sale of Land , Bldg
99002 4800505001 Recovery of courier charges
96910 4800505002 Recovery of Processing Charges
99004 4800505004 Recovery of rent from tenants
99005 4800505005 Recovery of postages
99006 4800505006 Recovery of Telegram Charges
99007 4800505007 Rec of Trunk Call/Telephone
99008 4800505008 Recoveries of Electricity Chrg
99009 4800505009 Recovery of Appraiser's Fees.
99010 4800505010 Reco of Motor Vehicle Expenses
99011 4800505011 Recoveries of HRA from Officer
99012 4800505012 Recov of Hire Chrg(Furniture)
99013 4800505013 Recov of out of packet expense
99014 4800505014 Recov of upfront fee paid
99015 4800505015 Rent from Godowns
99016 4800505016 Rent on lockers
99017 4800505017 Unpaid interst on deposits
99018 4800505018 Oth (Misc ) Income At S.TAX
99019 4800505019 Evaluation Fee
99020 4800505020 Income from Non banking asset
99021 4800505021 Recovery of bad debts written off
99022 4800505022 Reco of legal expenses-advance
99023 4800505023 Reco of legal expenses-other
99024 4800505024 Reco of credit guarantee fees
97849 4800505025 Oth (Misc) Income Not At S.TAX
96545 4800505027 ATMSC-Inter-Fee Rec
96810 4800505028 CCC-Serv Charg-Interchnge A/c
99630 4800505050 MultiCity Anywhere Bank Charg
96531 4800505051 MICR Cheque Issue charges
96532 4800505052 Duplicate PBs/Stmt Charges
96533 4800505053 Stop Payment Charges
96534 4800505054 Cheque Returned Charges
96535 4800505055 EM Creation Charges
96536 4800505056 Commitment Charges
96537 4800505057 Ledger Folio Charges
96538 4800505058 MinBal Charges in SB/CA

99629 4800505059 Cash Handling Charges
96540 4800505062 Inc on LateDelivery
96541 4800505063 Inc on SaleOfMutualFundUnits
96542 4800505064 Sale Of Scrap/Old News Paper
96845 8070505001 Profit on sale/ redemp of MF
96846 8070505003 Profit on sale of securities
96847 8070505004 Profit on Reval of Securitie
96848 8070505005 Profit on Sec Short Sold acc
96852 8100505001 Recover of notice priod sal
96502 8100505002 REC-ANUAL-SERCH-DEBTRUSTEE-FEE
96503 8100505003 RECOVERY OF LIQUIDATED DAMAGES
96504 8100505004 GRANTS UNDER PILOT PROJECTS
96505 8100505005 PROF ON SALE OF NONBANKG ASSET
96511 8100505006 Miscellaneous Interest
96506 8100505007 INTEREST ON IT REFUNDS
96849 8100505009 Broken Period received SLR
96850 8100505010 Broken Period receivd NONSLR
96851 8100505011 Other Income On Investments
96508 8100505012 TRFR OF NOMINALACCTS ABV 10 YR
96344 8100505013 Recvy in writen off Investment
96356 8100505014 ATM acquirer Fee received(Inc)
97851 4800505067 ACCT MAINTENANCE CHARGES
97852 4800505018 COMM ON OLD AGE PENSION
97853 4800505025 PMJJBY COMM NOT ATTR SER TAX
97854 4800505025 PMSBY COMM NOT ATTR SER TAX
97855 4800505025 APY COMM NOT ATTR SER TAX
BGL CGL EXPENDITURE BGL CGL INCOME
Interest on Deposits Interest on Advances

98116 3001505001 Int paid on Dep From Banks 99065 4001505001 Int. on Advances to Banks
97830 3010505001 Int paid on Fixed Deposits 99066 4100505001 Int. on loans,cash credit,overdraft
97838 3010505002 Int paid on Recurring deposits 98383 4100505002 Int. on Inland Bills Purchased
97801 3010505005 Int paid on FCNR(B)-Fixed 99905 4100505003 Int. on Foreign Bills purchased
97831 3010505007 Int paid on NRE-FD 99067 4100505004 Int. on Jewel Loans - Non Prioirity
97841 3010505014 Int paid on Reinvestment plan deposits 99068 4100505005 Int. on Staff Housing Loans
98266 3010505015 Int paid on NRE-RIP 99070 4100505008 Penal Interest on CC Loans
98264 3010505017 Int paid on FCNR(B)-RIP 99071 4100505009 Penal Int On Staff Housing
98261 3010505020 Int paid on Cash certificates 99072 4100505011 Int. Miscellaneous
98257 3010505024 Int paid on Kalaivani deposit scheme 99075 4100505014 Int. reversal on Fresh NPA
98256 3010505025 Int paid on Kamadenu deposit 99119 4100505015 Int. On Crop Loans[ 7%]
98201 3010505035 Int paid on Short Term/Short Notice Depos. 99120 4100505016 Int. on Home Loan Residents
97828 3010505039 Int paid on Savings bank deposit 99121 4100505017 Int. on Home Loan- NRI
97829 3010505041 Int paid on NRE-SB 99122 4100505018 Int. on Plot loan resident
99108 3010505091 Int paid on Dep from Indian Bank 99123 4100505019 Int. on Plot loan - NRI
99124 4100505020 Int. on Salary Loan
Interest on Borrowings / Investments 99125 4100505021 Int. on Staff Vehicle Loan
98115 3003505001 Int paid on Bank Borrowings 99126 4100505022 Int. on Prof Spl
96992 7000505003 Int paid on Borrowings from NABARD 99127 4100505023 Int. on NSC Loan
96666 7000505011 INT PAID ON BORROWINGSOTHERS 99150 4100505025 Int On Rent Encash
96667 7000505012 INT PAID - BORR- GENERAL REFIN 99128 4100505081 int. on Jewel Loan - Agriculture
96671 7000505020 INTEREST PAID ON GOI BORROWING 99129 4100505082 int. on STPL
99109 7000505091 Int Paid on Borrowing from Indian Bank 99130 4100505083 int. on Kissan Credit Card
99131 4100505084 int. on Term Loans - Agriculture
Salary Expenditure 99132 4100505085 Int. on Overdraft - OPS
98001 3101505001 Basic Salary-officers 99133 4100505086 Int. on Open Cash Credit - OPS
98002 3101505002 Basic Salary-clerks 99134 4100505087 Int. on Jewel Loans - OPS
98004 3101505003 Basic Salary-Substaff 99135 4100505088 Int. on Term Loans - OPS
98005 3101505004 Basic Salary for Part-time 99136 4100505089 Int. on Loan Others - OPS
99110 3101505091 Basic Salary for IB Officers 99137 4100505090 Int. on SSI Term Loan
95140 3101505092 SALARY FOR ADVISOR 99138 4100505091 Int. on OD - Non Priority
98032 3102505001 Special allowance-officers 99139 4100505092 Int. on Open Cash Credit - Non Priority
98033 3102505002 Special allowance-clerks 99140 4100505093 Int. on Loan on Deposit
98035 3102505003 Special allowance-Substaff 99141 4100505094 Int. on Term Loans - Non Priority
98036 3102505004 Special Allowance-Parttime emp 99142 4100505095 Int. on Loan Others - Non Priority
98037 3103505001 Dearness Allowance-officers 99143 4100505096 Int. on Defaulted guarantees
98038 3103505002 Dearness Allowance-clerks 99144 4100505097 Int. on Staff Computer loan
98040 3103505003 Dearness Allowance-Substaff 99145 4100505098 Int. on Staff Flood loan
98041 3103505004 Dearness Allowance -Part time 99146 4100505099 Int. on Other Staff Loans
99111 3103505091 Dearness Allowance - IB Officers
98061 3105505001 Medical aid-officers Interest on Investment
98062 3105505002 Medical aid-clerks 99147 4200505000 Interest on Investment (NABARD)
98064 3105505003 Medical aid-Substaff 96788 8000505001 Int on Participation Cert
98065 3105505004 Medical aid-Part time employes 96789 8000505002 Interest Recd on Deposit with Other Banks
96962 3105505005 Reimb of Medical expenses - IB officers 96790 8000505003 Dividend on shares
99112 3105505091 Medical aid-IB Officers 96791 8000505004 Interest on C.R.R
97805 3106505001 City Compensatory alwn officer 96792 8000505005 Int on call and term lending
97806 3106505002 City Compensatory alwn clerk 96793 8000505006 Int on central govt. Sec
97807 3106505003 City Compensatory alwnSubstaff 96794 8000505007 Int on state Govt. Securitie
97808 3106505004 City Compensat alwn Part time 96795 8000505008 Interest on OTS
99113 3106505091 City Compensat alwn - IB Officers 96796 8000505009 Interest on LMB
98014 3107505001 HRA - officers 96797 8000505010 Interest on Mutual Fund Unit
98015 3107505002 HRA - clerks 96798 8000505011 Int on Central govt spl Sec
98017 3107505003 HRA - sub staff 96799 8000505012 Int on Debentures and Bonds
98018 3107505004 HRA - Part time employees 96800 8000505013 Interest on IRS
99114 3107505091 HRA - IB Officers 96699 8000505016 INT ON COMPANY DEPOSIT - IDBI
95141 3107505092 HRA – ADVISOR 96835 8000505017 Interest on ReCAP Bonds

98274 3108505001 Rent for staff quart officers 96836 8000505018 Int on Deb and Bonds(TaxFree
98275 3108505002 Rent for staff quart clerks 96837 8000505019 Interest on LAF
98276 3108505003 Rent for staff quart Substaff 96838 8000505020 Interest on CGSNON SLR
98277 3108505004 Rent for staffquart Part time 96840 8050505001 Discount on treasury Bill
99115 3108505091 Rent for staffquart IB Officers 96841 8050505002 Discount on Investment
98024 3109505001 Other Allowances-officers 96842 8050505003 Discount on Commercial Pupos
98025 3109505002 Other Allowances-clerks 96843 8050505004 Discount on cert of Deposits
98027 3109505003 Other Allowances-Substaff 96844 8050505005 Discount on CBLO Lending
98028 3109505004 Other Allowances -Part time 99148 8000505091 Interest recd on deposit with Indian Bank
99116 3109505091 Other Allowances - IB Officers
98077 3111505001 LFC - Officers
98078 3111505002 LFC - Clerks Commission
98079 3111505003 LFC - Sub staffs 98347 4500505001 Comm on In.Bills for colection(IBC,OBC
98080 3111505004 LFC - Part time employees 97942 4500505002 Comm on Bills Purchased
99117 3111505091 LFC - IB Officers 98401 4500505004 Comm on DD and BPO
97803 3112505001 Wages to temp emp - sub staff 99079 4500505005 Comm on Fire Insurance Permium
97804 3112505002 Wages to temp emp -part time 99884 4500505006 Comm on Guarantees
97909 3114505001 Closing allowance to officers 97935 4500505007 Comm on Miscellaneous
98096 3115505001 EPL - Officers 99080 4500505008 Comm on Turnover Commission
98097 3115505002 EPL - Clerks 99081 4500505009 Comm on Brokerage and Commn(Income)
98098 3115505003 EPL -Substaff 99082 4500505010 Comm on Stock Invest issued
98099 3115505004 EPL -Part time employees 99083 4500505012 Comm on Insurance business
99118 3115505091 EPL -IB Officers 99628 4500505013 TURN-OVER COMM NOT ATTR S.TAX
97913 3116505001 Officiating allowance-officers 97910 4600505001 Commission on FBP/FBN
97914 3116505002 Officiating allowance-clerks 97960 4600505002 Commission on FOBC
97915 3116505003 Officiating allowance-substaff 96435 4600505012 Comm-Recd InterBank Deals
97916 3116505004 Officiating allowance-parttime 99149 4500505091 Comm on Other Bank DD
97931 3120505003 Washing allowance to sub-staff
97932 3120505004 Washing allowance to part time Other Income
98085 3122505003 Uniforms to substaff-substaff 99077 4300505000 Penal Interest on RD.Rp etc
98086 3122505004 Uniforms to substaff-Part time 99078 4400505000 Discount Income
98081 3123505001 Inc for small family officers 98482 4700505000 Profit on Sale of Land , Bldg
98082 3123505002 Inc for small family Clerks 99002 4800505001 Recovery ofcourier charges
98083 3123505003 Inc for small family Sub Staff 96910 4800505002 Recovery of Processing Charges
98084 3123505004 Inc for small family Part time 99004 4800505004 Recovery of rent from tenants
97951 3126505002 Conv Allwnce to award- Clerks 99005 4800505005 Recovery of postages
97952 3126505003 Conv Allwnce to award-Substaff 99006 4800505006 Recovery of Telegram Charges
97953 3126505004 Conv Allwnce to award-Parttime 99007 4800505007 Rec of Trunk Call/Telephone
98880 3127505001 Encashment of LFC - officers 99008 4800505008 Recoveries of Electricity Chrg
98881 3127505002 Encashment of LFC - Clerk 99009 4800505009 Recovery of Appraiser's Fees.
98882 3127505003 Encashment of LFC-Substaff 99010 4800505010 Reco of Motor Vehicle Expenses
98883 3127505004 Encashment of LFC-PTE 99011 4800505011 Recoveries of HRA from Officer
95102 7301505001 PF Employers Contribution - Officers 99012 4800505012 Recov of Hire Chrg(Furniture)
95103 7301505002 PF Employers Contribution -Clerks 99013 4800505013 Recov of out of packet expense
95104 7301505003 PF Employers Contribution -Substaff 99014 4800505014 Recov of upfront fee paid
95105 7301505004 PF Employers Contribution -PTE 99015 4800505015 Rent from Godowns
95106 7301505005 Gratuity - Officers 99016 4800505016 Rent on lockers
95107 7301505006 Gratuity - Clerks 99017 4800505017 Unpaid interst on deposits
95108 7301505007 Gratuity - Substaff 99018 4800505018 Oth (Misc ) Income At S.TAX
95109 7301505008 Gratuity - PTE 99019 4800505019 Evaluation Fee
95110 7301505009 Bonus - Officers 99020 4800505020 Income from Non banking asset
95111 7301505010 Bonus - Clerks 99021 4800505021 Recovery of bad debts written off
95112 7301505011 Bonus - Substaff 99022 4800505022 Reco of legal expenses-advance
95113 7301505012 Bonus - PTE 99023 4800505023 Reco of legal expenses-other
95115 7301505014 Pension - Officers 99024 4800505024 Reco of credit guarantee fees
95116 7301505015 Pension - Clerks 97849 4800505025 Oth (Misc) Income Not At S.TAX
95117 7301505016 Pension - Substaff 96545 4800505027 ATMSC-Inter-Fee Rec

95118 7301505017 Pension - PTE 96810 4800505028 CCC-Serv Charg-Interchnge A/c
95128 7301505027 Sub.All.Hosp.Officer 99630 4800505050 MultiCity Anywhere Bank Charg
95129 7301505028 Sub.Allow.Hosp.Clerk 96531 4800505051 MICR Cheque Issue charges
95130 7301505029 Sub.Allow.Hosp - SS 96532 4800505052 Duplicate PBs/Stmt Charges
95131 7301505030 Pres.Mome.Ret.Officer 96533 4800505053 Stop Payment Charges
95132 7301505031 Pres.Mome.Ret.Clerks 96534 4800505054 Cheque Returned Charges
95133 7301505032 Pres.Mome.Ret. S S 96535 4800505055 EM Creation Charges
95134 7301505033 Reimb.Acce.Ph Officer 96536 4800505056 Commitment Charges
99171 3208505060 INCENT FOR PASS JAIIB/CAIIB/CERT COURSE BY 96537 4800505057 Ledger Folio Charges
99172 7301505038 ADMN CHARGES FOR PF
96538 4800505058 MinBal Charges in SB/CA
99173 7301505039 INSP CHARGES FOR PF
99629 4800505059 Cash Handling Charges
99174 7301505040 INSURANCE - EDLI 96540 4800505062 Inc on LateDelivery
99175 7301505041 INSURANCE - GROUP PERSONAL ACCIDENT POL 96541 4800505063
Inc on SaleOfMutualFundUnits
99177 3115505005 96542 4800505064
INSU - GROUP LEAVE ENCASHMENT SCHEME Sale Of Scrap/Old News Paper
99178 3105505017 REIMB OF HOSP EXPENSES-RRB OFFICERS 96845 8070505001 Profit on sale/ redemp of MF
99179 3105505018 REIMB OF HOSP EXPENSES RRB OFF ASST 96846 8070505003 Profit on sale of securities
99180 3105505019 REIMB OF HOSP EXPENSES-RRB OFF ATTEND 96847 8070505004 Profit on Reval of Securitie
99182 3128505001 DA ON SPL ALLOWANCE - OFFICERS 96848 8070505005 Profit on Sec Short Sold acc
99183 3128505002 DA ON SPL ALLOWANCE - OFF ASSIST 96852 8100505001 Recover of notice priod sal
99184 3128505003 DA ON SPL ALLOWANCE - OFF ATTEND 96502 8100505002 REC-ANUAL-SERCH-DEBTRUSTEE-FEE
99185 3128505004 DA ON SPL ALLOWANCE - IB OFFICERS 96503 8100505003 RECOVERY OF LIQUIDATED DAMAGES
99186 3102505005 SPL ALLOWANCE - IB OFFICERS 96504 8100505004 GRANTS UNDER PILOT PROJECTS
96966 3105505009 Reimb of medical Expenses - Officers 96505 8100505005 PROF ON SALE OF NONBANKG ASSET
96967 3105505010 Reimb of medical Expenses - Clerks 96511 8100505006 Miscellaneous Interest
96968 3105505011 Reimb of medical Expenses - Substaff 96506 8100505007 INTEREST ON ITREFUNDS
96849 8100505009 Broken Period receivedSLR
96850 8100505010 Broken Period receivd NONSLR
Travel Expenses 96851 8100505011 Other Income On Investments
95138 7301505037 TA To IB Officers 96508 8100505012 TRFR OF NOMINALACCTS ABV 10 YR
96938 3301505001 Trave exp on transfers-officer 96344 8100505013 Recvy in writen off Investment
96939 3301505002 Trave exp on transfers-clerks 96356 8100505014 ATM acquirer Fee received(Inc)
96940 3301505003 Trav exp on transfrs-substaff NO BGL 8464505014 Interest Rounded Off
96941 3301505004 Trav exp on transfrs-parttime 97851 4800505067 ACCT MAINTENANCE CHARGES
96942 3301505005 Trav.Exp-TRF-excl-fare-OFF 97852 4800505018 COMM ON OLD AGE PENSION
96944 3301505007 Trav.Exp-TRF-excl-fare-SS 97853 4800505025 PMJJBY COMM NOT ATTR SER TAX
96945 3301505008 Trav.Exp-TRF-excl-fare-PTE 97854 4800505025 PMSBY COMM NOT ATTR SER TAX
96946 3302505001 Trav exp othr journy-Officers 97855 4800505025 APY COMM NOT ATTR SER TAX
96947 3302505002 Trav exp othr journy-clerks
96948 3302505003 Trav exp othr journy-substaffs
96949 3302505004 Trav exp othr journy-parttime
96950 3302505005 Trav.Exp-OJ-excl-fare-OFF
96951 3302505006 Trav.Exp-OJ-excl-fare-CLK
96952 3302505007 Trav.Exp-OJ-excl-fare-SS
96953 3302505008 Trav.Exp-OJ-excl-fare-PTE
98066 3303505001 Travel expenses - others
96954 3304505001 Travel expense on-training off
96955 3304505002 Travel expense on-training Cle
96956 3304505003 Travel expense on-training SS
96957 3304505004 Travel expense on-training PTE
96958 3304505005 Trav.Exp-TRG-excl-fare-OFF
96959 3304505006 Trav.Exp-TRG-excl-fare-CLK
96960 3304505007 Trav.Exp-TRG-excl-fare-SS
96961 3304505008 Trav.Exp-TRG-excl-fare-PTE
95142 7301505092 TA TO ADVISOR
Rent
98042 3201505001 Rent - Office Premises
98043 3201505002 Rent - Clearing House

98068 3201505004 Rent - Office Equipment
98069 3201505005 Rent - Generators
98070 3201505006 Rent - Others
Insurance
98006 3202505001 Insurance - Furniture&Fixtures
98007 3202505002 Insurance - Stationery
98008 3202505003 Insurance - Vehicle
98009 3202505004 Insurance - Own Buildings
98010 3202505005 Insurance - Computers
98011 3202505006 Others Insurance
96923 3202505007 Insurance-Motor cars
Taxes
98044 3203505001 Own Bulidings Taxes
98045 3203505002 Vehicle Tax
97957 3203505003 Profession Tax
97958 3203505004 Water Tax
97959 3203505005 Other Taxes
Electricity charges
97947 3204505001 Electricity charges
97948 3204505002 Replacment-Electrical Fittings
97949 3204505003 Other fittings
Legal Expenses
98047 3205505001 Legal Expenses - Advances
98860 3205505002 Legal Expenses - others
Postate and Telephone

97901 3206505001 Postages
98046 3206505002 Telegram Charges
97902 3206505003 Telephone Chrgs (Rental&Local)
97903 3206505004 Trunck call Charges
99702 3206505005 Telex/Fax Charges
98048 3206505006 Courier charges
97906 3206505007 VSAT charges
97907 3206505008 Internet charges
96925 3206505010 Teleph.Charges-Leased Line
Printing And Stationery

98054 3207505001 Printing And Stationery
Repairs and Maintenance

98100 3501505001 Repairs to safes,furnitures
98101 3501505002 Repairs to machinery
98102 3501505003 Repairs to vehicles - Two Wheeler
98103 3501505004 Repairs to buildings
98104 3501505005 Repair to computer hardware
96926 3501505006 Repairs Vehi. - Motor Cars
98105 3502505001 Maintenance of Motor vehicles
98106 3502505002 Fuel expenses-Generator
98107 3502505003 Maintenance of office premises
96571 3502505004 Maintnanc of computer equipments
98109 3502505005 Maintnanc of Office Equipments
98110 3502505006 Maintnanc of Computer Software
96927 3502505007 Mainten. Vehicles-Motor Cars

96695 7210505001 MAINTENANCE OF A/C PLANT
96696 7210505002 MAINTANCE OF BANK PROPERTY
Other Expenses
95137 7301505036 Incentive to Executives
98301 3208505001 Subscription Of NewsPapers - Staff
98302 3208505002 Fuel Expenses-Motor Vehicle
98303 3208505003 Entertainment Expenses
98305 3208505005 Fees-others
98306 3208505006 Agency Commission
98307 3208505007 Brokerage and Commn (Exp)
98308 3208505008 Residual Expenditure
98309 3208505009 Armed Guards
98310 3208505010 Expenses on Non-Banking Assets
98311 3208505011 Appraisers Fees
98322 3208505013 Refund of Interest on loans
98323 3208505014 Refund of Comm on Gaurantees
98325 3208505017 IDCOR-int on delay col remitnc
98315 3208505020 Convey Exp reimbrsd to officer
98316 3208505021 Upfront Fee paid to SIDBI/IDBI
98317 3208505022 Exp on Dep Mobilisation
98318 3208505023 Local con.Exp reimbursed(staff
98319 3208505024 Data Processing charges
98320 3208505025 Guarantee Fee paid account
96999 7001505024 Writing off of other assets
99636 3208505028 Guard Charges
99637 3208505029 Incentive paid to busi.facilit
96928 3208505030 Subspn.to Newspaper - Bank
96929 3208505031 Fuel Exp-Motor cars
96930 3208505032 Entertain exp-Club Memb Fee
96931 3208505034 Residual exp- Gifts&Mementos
96932 3208505035 Fees Officers CISA/CISSP Cert
96933 3208505036 Incent-Cert/Dip in Comp Prog
96935 3208505038 Welfare to Women Employees
96936 3208505039 Outof Pocket Expenditure BMs
96983 3208505041 REFUND OF MULTI CITY CHARGES
96831 3208505042 Loyalty Point Paid A/c
96832 3208505043 Visa Assessment Charge
96436 3208505044 Comm-Paid InterBank Deals
96346 3208505053 Exp for Br Opening/Shifting
96347 3208505054 Exp for BLBC/RCC/REV/OTH Meet
96348 3208505055 Exp for Recvry Camp/LokAdalat
96349 3208505056 Exp for Busi.Promotion Campn
96350 3208505057 Prem for PAI Policy for IBKC
96585 3208505059 Water Charges
98059 3601505001 Advertisement AND Publicity
98060 3701505001 Loss on Sale of Assets
94201 7001505001 Mile Stone Award-Stf
94202 7001505002 Reward-Resist Decoit
94203 7001505003 Cash Comp Dependants
94206 7001505006 Extl. Training Fees
94207 7001505007 Rect./Promotion Exp.
94208 7001505008 Exp. On Stamps (POA)
94209 7001505009 H.A To Executives
94210 7001505010 Honarorium
94211 7001505011 Dir. Sitting Fees
94212 7001505012 Dir. Travel. All.

94213 7001505013 Dir. Halting All.
96673 7001505014 DONATION
96775 7001505015 Fees others stamp duty
96674 7001505016 FEES OTHERS INCOME TAX
96675 7001505017 EXCHANGESWAP TRANSACTION
96776 7001505018 Custody charges
96777 7001505019 Transaction feeCCIL/SGF
96676 7001505020 TRANSACTION FEECCIL/SGF/ID
96677 7001505021 REIMB-NOMINAL ACCTS ABV 10 YRS
96778 7001505022 Amortization of investments
96999 7001505024 Write off of other assets
96679 7001505025 AUDITORS FEES
96987 7001505026 TA to Auditors
96779 7001505027 Broken Period Intpaid SLR
96780 7001505028 Broken Period Intpaid NonSLR
96680 7001505029 UPFRONT FEE
96351 7001505033 Bank`s share of Parliament exp
96354 7001505036 Reimb of Temp.Driver's salary
96355 7001505037 ATM issuer fees paid(EXP)
96370 7001505038 SPONSORSHIP EXPENSES
96781 7030505001 Security Transaction tax
96684 7101505001 PC - NPAADVANCES
96782 7101505002 P/C_NPAInvestments
96783 7101505003 P/C_Deprn on Investments
96685 7101505004 PC - STANDARD ADVANCES
96686 7101505005 PC - FRAUDSFORGERIES
96687 7101505006 PC - INCOME TAX
96688 7101505007 PC - FRINGE BENEFIT TAX
96689 7101505008 PC - WRITE OFF CLAIMS
96690 7101505009 PC - RESTRUCTURING ADVANCES
96693 7101505012 PC - CLAIMS AGAINST THE BANK
96694 7101505013 PC - OTHER CONTINGENCIES
96523 7101505014 PROVISION-CONTINGENCY-INVEST
96430 7101505015 P & C - HO Expenses
96429 7101505016 P & C - Int on subvention Fund
96360 7101505017 P&C WriteOff Claims (RBD)
96698 7220505001 LOSS ON REVALUATION ASSETS
96784 7220505002 Loss on sale of securities
96785 7220505003 Loss on reval of investments
96786 7220505004 Loss on sale/redemptn of sec
96787 7220505005 Loss on Sec Short Sold acct
96509 7990505001 Depreciation - SFVM
96510 7990505002 Depreciation - Building
99176 7001505039 TRAINING EXPENSES INTERNAL
99181 3208505061 IBA MEMBERSHIP FEES

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TAMIL NADU GRAMA BANK

Head Office, Salem

Core Banking Solution - USER MANUAL - 2019

Technology Management Department

• Branches should use product codes / BGL numbers given in the

• Transfer transactions except Account Closure / Inland rupee

• Branches should respond to the IP message / Login message given

• Branches should not do EOD with GLIFF.

This manual is compiled by Shri M G Sankarlal, Chief Manager (Project Office)

based on the Training Manual for RRB Staff - I Edition 2009

In the present day scenario everything revolves around technology.

I am happy to note that our Technology Management Department

With best wishes & regards,

1. Introduction to Core Banking Solution

Core Banking Solution - User Manual - 2019 1

After logging in, the screen will display as below:

Core Banking Solution - User Manual - 2019 2

User Type / Capability Level

MAKER & CHECKER

The Core Banking Solution follows maker-checker concept for creation /

Core Banking Solution - User Manual - 2019 3

A transaction is to be declined with a reason for declining. When a transaction is

Core Banking Solution - User Manual - 2019 4

Core Banking Solution - User Manual - 2019 5

CUSTOMER INFORMATION FILE (CIF)

The Customer, under CBS, is considered as BANK CUSTOMER, instead of being

SCORE UNDER CIF

Core Banking Solution - User Manual - 2019 6

2. Business or Non-personal Customer

Just as CIF is to be created for individual customers, a separate CIF has to be

Core Banking Solution - User Manual - 2019 7

CUSTOMER INFORMATION DETAILS

Amendment of Customer Information: Navigation: Customer Management 

Core Banking Solution - User Manual - 2019 8

Core Banking Solution - User Manual - 2019 9

CUSTOMER ACCOUNTS / PRODUCT CODES

Core Banking Solution - User Manual - 2019 10

The 4-digit Account Type is formed as under:

Sub-category - The 4-digit

B) Sub-category in the case of Term Deposit and Recurring Deposits, is

Core Banking Solution - User Manual - 2019 11

Currency - 1 digit (INR)

BANK SHOULD OPEN ACCOUNTS ONLY IN 1:INR

A SB Non-cheque product is different from SB with Cheque Product. Hence, if a SB

CORPORATE GL (CGL) / BRANCH GL (BGL) NUMBERS:

Core Banking Solution - User Manual - 2019 12

INTEREST PAYMENT AND TAX DEDUCTION AT SOURCE:

Interest on Fixed Deposit will be transferred to the designated SB / Current account

Core Banking Solution - User Manual - 2019 13

FUNCTION KEYS IN CBS:

 To get new account number from old account number, Enter

 Press F10 to get scanned image/signature

 Press F7 to get account details

 Press F8 for short enquiry

Core Banking Solution - User Manual - 2019 14

CASH DEPARTMENT : DAILY ACTIVITY SCHEDULE

• Receive Cash from Safe – Go to SCR 20010 – Enter account No. as

Core Banking Solution - User Manual - 2019 15

a. Current / Savings / Deposit / ODCC / KCC accounts – Go to SCR 1010 –