E3813 - Carving could not be done as there are scheme errors

Many of you have encountered an error "E3813 - Carving could not be done as there are scheme errors" while submitting the entered the cheques in inward clearing zone. If you can identify the cause of this error then you can easily solve it.

The following are some of the causes for this error and the solutions respectively.

Causes :

1. The account does not have the sufficient balance to pass the cheque you have entered.
2. The cheque number you have entered was not issued to this account 
3. The cheque number you have entered is already passed.

Solutions :

1. You can directly check the available balance in an account while entering the cheques in HICTM itself (or) you can do the ledger inquiry by invoking menu option HACLI
2. To find whether a cheque book is issued to an account 
• Invoke menu option HCHBM
• Select Function : Inquiry
• A/c ID : SB Account Number
• Click Go
3. To find the whether a cheque is already passed 
• Invoke menu option HCHBM
• Functin : Inquiry
• A/c ID : SB Account Number
• Click Go
• Click View Details