List of Office Accounts - DOP Finacle
These are accounts which Post office uses internally. These accounts are opened without reference to CIF ID or involvement of customers.All the operation in the account are initiated and performed by the Post Office.Example: Charge calculations, Interest calculations, Interest collected/Paid, Commission and Expenses account with the post offices and so on.
The following are the types of office accounts.
Office Account Basic (OAB) :
Basic office accounts are simple internal accounts. These accounts will help in managing the General Ledger (GL).Accounts like Cash, Asset accounts, Liability Accounts, Contingent Accounts, Interest, Commission, Exchange, Discount, and Charges are opened under this Scheme Type.
Office Account Pointing (OAP) :
Pointing accounts are used where the transactions are created for short period, with a reference and they will have to be reversed. Example: Un Posted Office Account (Sundry A/c).
Office System Pointing (OSP) :
Users are not allowed to do any transactions on OSP accounts.The transactions are system generated and are verified on invoking or at certain events. Example:Interest calculations on a savings account will be done on a particular day. System calculates and creates a transaction and posts it.This also includes Proxy accounts
The following are the types of office accounts.
Office Account Basic (OAB) :
Basic office accounts are simple internal accounts. These accounts will help in managing the General Ledger (GL).Accounts like Cash, Asset accounts, Liability Accounts, Contingent Accounts, Interest, Commission, Exchange, Discount, and Charges are opened under this Scheme Type.
Office Account Pointing (OAP) :
Pointing accounts are used where the transactions are created for short period, with a reference and they will have to be reversed. Example: Un Posted Office Account (Sundry A/c).
Office System Pointing (OSP) :
Users are not allowed to do any transactions on OSP accounts.The transactions are system generated and are verified on invoking or at certain events. Example:Interest calculations on a savings account will be done on a particular day. System calculates and creates a transaction and posts it.This also includes Proxy accounts
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Office Account Description
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Account number i.e SOL ID number
followed by following last digits( for example if SOL ID is 78100100, the
office account number will be 78001000405,0339 etc.)
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Purpose for which account is to
be used
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Process to be followed
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Vault Account
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0405
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For entering transfer of cash
received or returned to Treasurer by each teller(counter)
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At the start of day's
operations, each Counter PA has to credit this Vault Account and Debit his
Teller Account. Supervisor/SPM has to verify this Transaction ID. At the end
of the day, each Counter PA will tally his cash with balance in the account
and credit this account for the whole cash and debit Vault Account to make
Teller Cash Account as Zero. Supervisor/SPM has to verify this Transaction
and will be responsible for making all Teller Accounts as Zero before leaving
the offices.
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BO Settlement Account
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0339
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For entering transactions
received from Bos duly entered in BO Daily Account. At present this is a
common account for all Bos and all schemes. In future, on the day of go live,
separate office account number for each BO and each scheme i.e SB, RD and TD
will be intimated to the post office having BOs and user has to select the
relevant BO office account while posting BO transaction. Detailed process of
BOs will be circulated separately.
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One Supervisor/SPM should take
print out of the ledger copy of this account by invoking HACLPOA and tally all
the credit and debit entries with the BO Summery on daily basis.
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Post
Masters cheque account
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0340
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For
credit of maturity Value+Interest or premature value+Interest to be paid
through Postmaster Cheque(to be selected as re-payments account when payment
is to be made by Postmaster Cheque to customers)
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One
Supervisor/SPM should take print out of the ledger copy of this account by
invoking HACLPOA and tally all the credit entries with the Postmaster Cheques
issued against the maturity on daily basis.
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New Account opening
RD/TD/MIS/SCSS/PPF/Certificates by other bank Cheque.
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0382
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For lodging of non POSB Cheques
in case of opening of new accounts of RD/TD/MIS/SCSS/PPF and purchase of
certificates. After clearance, amount will be credited into this account.
After Clearing, while opening accounts, amount to be debited/withdrawn from
this account and credited/deposited in the concerned account of customer.
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Total amount credited in this
account and debited from this account should be cross verified by one
Supervisor/SPM by taking print out of the ledger copy of this account by
invoking HACLPOA with the SB Clearance taken into HO Summery or SO Daily
Account. Supervisor has to ensure that balance at the end of each day in this
account is Zero i.e against all the credits received after clearance, amount
should be debited from this account and concerned accounts are credited.
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Money Order transfer Account
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0385
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Any amount received/to be paid
by SBMO/MO is to be debited/withdrawn or credited/deposited from this
account.
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Total debit and credit in this
account should be cross verified by one Supervisor/SPM with MO Issue or MO
Paid branch on daily basis by taking print out of the ledger copy of this
account by invoking HACLPOA.
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Deposit Reinvestment Account
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0387
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In case, depositor wants
re-investment from one scheme's maturity value to another scheme, total
maturity value+interest should be credited/deposited under this account and
then amount to be invested should be debited/withdrawn from this account and
credited/deposited in the concerned new account. Remaining amount can be paid
by cash from this account to the customer.
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One Supervisor/SPM should take
print out of the ledger copy of this office account by invoking HACLPOA and
cross verify all debits and credits with corresponding re-investment entries
in the LOTs on daily basis. Supervisor has to ensure that balance at the end
of each day in this account is Zero i.e against all the credits entered for
re-investment, amount should be debited from this account and concerned accounts
are credited or remaining amount is paid.
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RD DEFAULT FEE Account
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0384
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For credit/debit of RD Default
fee collected or refunded.
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If this account is used for
credit or refund of default fee in any case, ledger copy of this account is
to be taken by one Supervisor or SPM and tally with the RD LOT.
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PPF Transit Account
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0322
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To be used for credit/debit the
amount received/paid from/to Bank on account of transfer in/out of PPF
Account and then debit/credit this account and credit/debit customer PPF Account.
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When any PPF Account is
transferred out or in from Bank or Non-CBS post office, debit or credit will
be made in this account. Whenever any PPF Account transfer is invoked, one
Supervisor or SPM has to take print out of ledger copy of this account and tally
with PPF LOT against corresponding entry of closure and opening.
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SCSS Transit Account
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0437
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To be used for credit/debit the
amount received/paid from/to Bank or Non CBS Post Office on account of
transfer in/out of SCSS Account and then debit/credit this account and
credit/debit customer SCSS Account.
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When any SCSS Account is
transferred out or in from Bank or Non-CBS post office, debit or credit will
be made in this account. Whenever any PPF Account transfer is invoked, one
Supervisor or SPM has to take print out of ledger copy of this account and
tally with SCSS LOT against corresponding entry of closure and opening.
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Sundry Deposit SCSS - Interest payments
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0338
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For paying quarterly interest in
case of SCSS
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It is a pointing account and
while paying interest, counter PA and Supervisor has to ensure that SCSS
Account number is entered in the Reference number field. Otherwise
transaction will not be reflected in LOT.
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SUNDRY DEPOSIT TD Interest payment
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0335
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For paying yearly interest in
case of TD
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It is a pointing account and
while paying interest, counter PA and Supervisor has to ensure that TD
Account number is entered in the Reference number field. Otherwise
transaction will not be reflected in LOT.
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SUNDRY DEPOSIT MIS Interest payment
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0337
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For paying monthly interest in
case of MIS
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It is a pointing account and
while paying interest, counter PA and Supervisor has to ensure that MIS
Account number is entered in the Reference number field. Otherwise
transaction will not be reflected in LOT.
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Clearing Cr.. A/C. Outward
Clearing Account
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0017
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For lodging of cheques presented
by MPKBY Agents with LOT and subsequent deposit in RD and PPF at Counter.
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One Supervisor or SPM has to
take print out of ledger copy of this account and cross verify the amount of
remittance to Bank or HO on daily basis.
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Clearing Dr. A/c. Inward
Clearing
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0101
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For giving clearance of POSB
cheque received for clearing.
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One Supervisor or SPM has to
take print out of ledger copy of this account and cross verify the amount of
drawn from Bank or received from HO on daily basis.
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ECS Suspense Account
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0098
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For credit of MIS/SCSS interest
on due date and debit on the day of clearance.
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One Supervisor or SPM has to
take print out of ledger copy of this account and cross verify the amount with
ECS LOT and drawn from Bank or received from HO on daily basis.
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Outward Credit ECS Settlement Account
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0096
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For outward ECS Cr. After
receipt of clearance.
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One Supervisor or SPM has to
take print out of ledger copy of this account and cross verify the amount of remittance
to Bank or HO on daily basis.
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Outstation Cheque Clearing
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0110
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For Dr. Outstation Cheque
clearing advice amount
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One Supervisor or SPM has to
take print out of ledger copy of this account and cross verify the amount of
remittance to Bank or HO on daily basis.
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Pension Upload Account (Dr.)
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0408
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For credit of Pension (Postal,
Telecom, Railways)
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For crediting pension in
multiple accounts, this account is to be debited. One Supervisor or SPM has
to take print out of Ledger Copy of this account at the end of the day and
tally the total amount debited with the Pension credit shown in HO Summery or
SO Daily Account.
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Salary Upload Account (Dr.)
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0409
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For credit of Salary
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For crediting salary in multiple
accounts, this account is to be debited. One Supervisor or SPM has to take
print out of Ledger Copy of this account at the end of the day and tally the
total amount debited with the Salary credit shown in HO Summery or SO Daily
Account.
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DBT Upload Account (Dr.)
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0410
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For credit of NREGA, Old
Age/Disabled/Widow Pension and other Govt. benefits.
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For crediting Government Benefits
under DBT in multiple accounts, this account is to be debited. One Supervisor
or SPM has to take print out of Ledger Copy of this account at the end of the
day and tally the total amount debited with the DBT amount credit shown in HO
Summery or SO Daily Account.
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Discontinued Scheme Accounts
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Office Accounts to be used for
payment of Principal Amount Invested
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For Payment of principal
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0138
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MAHILA SAMRIDHI YOJNA (MSY)
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The procedure for payment
of principal amount of discontinued schemes to be followed is :
Invoke HTM in counter PA login. Select the relevant office account as debit account and enter the old registration number or old account number in Ref. No. column in the main screen. Select 'A - Additional Part Transaction Details'. Click on 'GO'. In 'Transaction Maintenance - Minor Subsidiaries Details' screen, don't enter anything in start amt. field and end amt. field. In Ref. No. enter the old registration number or old account number. In Filter, select 'U - Unresponded' and click on 'GO'. Then, the details will be displayed. Enter the amount and click on Accept.
Supervisor has to verify this
transaction and Discharge Journal has to be prepared manually.
Amount paid can be verified from
Office Account LOT or Discontinued Scheme LOT.
Amount is either to be paid by
Postmaster Cheque or Credit into savings account. No cash payment should be
made.
For payment through Postmaster
Cheque, In HTM screen, click on ADD and then select ‘Credit’ option.
Enter
Postmaster Cheque account 0340 (for issuing Postmaster cheque).
For credit into Post Office
Savings Account, In HTM screen, click on ADD and then select ‘Credit’ option.
Enter the
SB account number if customer is having any SB account in any CBS Post
Office.
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For Payment of principal
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0139
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FD 5 YEARS
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For Payment of principal
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0140
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COMPULSORY DEPOSIT SCHEME 1963
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For Payment of principal
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0141
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5 YEARS CTD
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For Payment of principal
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0142
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10 YEARS CTD
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For Payment of principal
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0143
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15 YEARS CTD
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For Payment of principal
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0144
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INDIRA VIKAS PATRAS
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For Payment of principal
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0145
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NATIONAL DEVELOPMENT BONDS
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For Payment of principal
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0146
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10 YEARS SSC
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For Payment of principal
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0147
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NATIONAL DEFENCE CERTIFICATE 12Y
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For Payment of principal
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0148
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10 YEARS DEFENCE DEPOSIT
CERTIFICATES.
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For Payment of principal
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0149
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NATIONAL SAVINGS ANNUITY
CERTIFICATES
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For Payment of principal
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0150
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12 YEARS NATIONAL PLAN SAVINGS
CERTIFICA
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For Payment of principal
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0151
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10 YEARS NATIONAL PLAN SAVINGS
CERTIFICA
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For Payment of principal
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0152
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12 YEARS NATIONAL SAVINGS
CERTIFICATES
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For Payment of principal
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0153
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7 YEARS NATIONAL SAVINGS
CERTIFICATE
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For Payment of principal
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0154
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5 YEAR NATIONAL SAVINGS
CERTIFICATES
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For Payment of principal
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0155
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NSC 1ST ISSUE
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For Payment of principal
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0156
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NSC II-ISSUE
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For Payment of principal
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0157
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NSC ( III-ISSUE)
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For Payment of principal
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0158
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NSC ( IV-ISSUE)
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For Payment of principal
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0159
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NSC ( V-ISSUE)
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For Payment of principal
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0160
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NSC (VI-ISSUE)
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For Payment of principal
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0161
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NSC (VII-ISSUE)
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For Payment of principal
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0162
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10 YEARS NSC I ISSUE
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For Payment of principal
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0163
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5 YEAR PO CASH CERTIFICATES
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Office Accounts to be used for Payment
of Interest (if any) to be calculated manually.
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For Payment of Interest
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0411
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INTEREST ON10 YEARS CTD
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The procedure for payment
of principal amount of discontinued schemes to be followed is :
Calculate Interest amount
manually
Invoke HTM in counter PA login. Select the relevant office account as debit account and enter the old registration number or old account number in Ref. No. column in the main screen. Select 'A - Additional Part Transaction Details'. Click on 'GO'. In 'Transaction Maintenance - Minor Subsidiaries Details' screen, enter amount of interest calculated manually in start amt. field and end amt. field. In Ref. No. enter the old registration number or old account number. Supervisor has to verify this transaction and Discharge Journal has to be prepared manually.
Amount paid can be verified from
Office Account LOT or Discontinued Scheme LOT.
Amount is either to be paid by
Postmaster Cheque or Credit into savings account. No cash payment should be
made.
For payment through Postmaster
Cheque, In HTM screen, click on ADD and then select ‘Credit’ option.
Enter
Postmaster Cheque account 0340 (for issuing Postmaster cheque).
For credit into Post Office
Savings Account, In HTM screen, click on ADD and then select ‘Credit’ option.
Enter
the SB account number if customer is having any SB account in any CBS Post
Office.
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For Payment of Interest
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0412
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INTEREST ON15 YEARS CTD
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For Payment of Interest
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0413
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INTEREST ON FD 5 YEARS
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For Payment of Interest
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0414
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INTEREST ON 10 YEARS SSC
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For Payment of Interest
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0415
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INTEREST ON NATIONAL DEFENCE
CERTIFICATE
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For Payment of Interest
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0416
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INTEREST ON 10 YEARS DEFENCE
DEPOSIT CER
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For Payment of Interest
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0417
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INTEREST ON NATIONAL SAVINGS
ANNUITY CER
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For Payment of Interest
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0418
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INTEREST ON MAHILA SAMRIDHI
YOJNA (MSY)
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For Payment of Interest
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0419
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INTEREST ON COMPULSORY DEPOSIT
SCM 1963
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For Payment of Interest
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0420
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INTEREST ON INDIRA VIKAS PATRAS
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For Payment of Interest
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0421
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INTEREST ON NATIONAL DEVELOPMENT
BONDS
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For Payment of Interest
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0422
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INTEREST ON 12 YR NAT PLAN
SAVING CERTI
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For Payment of Interest
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0423
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INTEREST ON 10 YEAR NAT PLAN
SAVING CERT
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For Payment of Interest
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0424
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INTEREST ON 12 YEARS NAT SAVING
CERTI
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For Payment of Interest
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0425
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INTEREST ON 7 YEARS NAT SAVING
CERTI
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For Payment of Interest
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0426
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INTEREST ON 5 YEAR NATIONAL
SAVINGS CERT
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For Payment of Interest
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0427
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INTEREST ON NSC 1ST ISSUE
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For Payment of Interest
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0428
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INTEREST ON NSC II-ISSUE
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For Payment of Interest
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0429
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INTEREST ON NSC ( III-ISSUE)
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For Payment of Interest
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0430
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INTEREST ON NSC ( IV-ISSUE)
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For Payment of Interest
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0431
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INTEREST ON NSC ( V-ISSUE)
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For Payment of Interest
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0432
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INTEREST ON NSC (VI-ISSUE)
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For Payment of Interest
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0433
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INTEREST ON NSC (VII-ISSUE)
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For Payment of Interest
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0434
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INTEREST ON 10 YEARS NSC I ISSUE
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For Payment of Interest
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0435
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INTEREST ON 5 YEAR PO CASH
CERTIFICATES
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For Payment of Interest
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0436
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INTEREST ON 5 YEARS CTD
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