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