This is regarding streamlining the transactions in office accounts 0382 (For opening of account and subsequent deposit by other Bank Cheque) and 0017 (CLEARING DR. A/C. OUTWARD CLEARING). This streamlining process is to resolve the below issues

1. 0017 office account is used both for outward clearing (by system) and subsequent deposits including RD agent transactions .

2. Several offices are not following cheque clearing process properly and debits for new account are made without proper credits resulting in huge debits in office account (0382).

New Procedure to be followed :

1. Cheques for New account Opening and Subsequent deposits should be lodged in office account 0382 ONLY (For opening of account and subsequent deposit by other Bank Cheque); from 01/01/2019 onwards. Cheque lodging will be allowed only in 0382.

2. Office account 0017 will be accessed by SYSTEM only for cheque clearing operations wef 01/01/2019

3. Balances in office account 0382 should always be 0 or in credit. Validations are to be deployed for not allowing DEBITS in office account 0382 if the balance of the account is in DEBIT. As part of this activity, debit balances in this office account (0382) will be nullified to zero after 15/01/2019. Henceforth, debit from this office account cannot be done if sufficient balance is not available. Suitable instructions to be issued to POs for following cheque clearing process correctly to ensure that necessary credits are available in 0382 office accounts before debiting. Further, circles should ensure that reconciliation in 0382 office account is completed and debit balances are tallied against necessary cheque clearance and the same is accounted in daily account. This exercise should be completed by all circles. Discrepancies if any to be reported immediately.

4. Credits into 0382 will be only through cheque clearing and transfer could not be done from other office accounts. It is observed that some POs are debiting from other office accounts for crediting into 0382. Necessary validations are built to restrict credit from other office accounts and debit in this office account without credits.

5. As interim procedure, offices can continue to debit 0017 for a period of one week (till 07/01/2019), during which all cheques lodged in 0017 prior to above configuration changes will get cleared and credited into customer accounts.

6. Amount credited through clearing in office account 0382 upto 15/01/2019 should be utilised latest by 15/01/2019 itself, for account opening/subsequent deposits. Once the balance is made zero in the offices where 0382 is in debit balance, further debiting will not be allowed.

Configuration change along with deployment of patch :

0017 office account will be restricted for debit: Only 0382 will be allowed as debit account in all the account opening menus and CRDP / CPDTM; 0017 office account cannot be debited from 08/01/2019.

Configuration change related to HAGTXP: This will be done for handling debit transactions through agent portal to 0382 office account instead of 0017 office account. [proposed to be done from 08/01/2019]. The cheques cleared in 0382 during the preceding week have to be kept pending for processing till 07/01/2019. Hence all the agent cheques which got cleared from 01/01/2019 to 07/01/2019 need to be kept pending for processing till 07/01/2019. Only from 08/01/2019, Cheque bulk list where credits are available in 0382 can be processed.

0382 office account can be used for account opening and subsequent deposits (except Agent bulk) from 01/01/2019 to 07/01/2019. Agent bulk list where cheques got cleared for the above period to be kept pending till 07/01/2019.

Exception handling: Any cheques lodged in 0017 upto 31/12/2018 and cleared after 07/01/2019, will be handled separately by allowing transfer between 0017 & 0382 for the specific SOLs . This will be done after receipt of mail from concerned circle CPCs. This process is only for clearing backlog cheques if any. 

Following will be the status of accounts, on successful completion of the above configuration / operational changes:

​​0017 will be used for clearing operations only; this office account at SOs (non-clearing offices) will not be getting any transactions. 

0382 will be either in credit or zero balance.

The balance amount transferred from 0017 to 0382 office account, will have supporting transactions in 0382 ledger which can be audited separately to check whether cheques for these amounts were cleared manually instead of processing through zone operations. A report will be provided to circles with details of office account and amount of debit cleared for reconciliation. Circles can use this report for reconciliation to ensure that debits have been accounted in their daily account/summary.

The debit transactions in 0017 other than clearing transactions, can be audited by circles separately to check whether cheques for these amounts were cleared manually instead of processing through zone operations.

Any clarification on the above may be referred to helpdesk.cbs@indiapost.gov.in

Full compilation of SB orders category wise.

Click Here

Done by Shri. N. Prasanna, Villupuram HPO

Dear Sir/Madam,

This is regarding closing of RD LOAN account without disbursement. RD Loan accounts are opened with incorrect sanction amount and instructions were already used for using HACLHM (RD Loan modification). But POs are closing the RD Loan account without modifying the sanction amount. Only data correction patch has to be raised when the RD Loan account is closed. HACLHM menu was provided only for modification without closing the RD LOAN account. Several tickets are being raised after closure of RD LOAN ACCOUNT which are pending for more number of days. L2 Team has also reverted technical difficulties in raising data correction patch for CLOSED account.

Hence it is hereby requested to issue suitable instructions to POs to use HACLHM menu for modifying the sanction amount without closing the RD LOAN ACCOUNT.

Thanks and Regards

Gopinath S

Inspector Posts

DMCC

Chennai 600 002

Procedure to be followed in HLAUPAY of DOP Finacle

• * Loan repayments done through HLAUPAY should be verified on the same day without fail. Pending verifications for the SOL are listed in HLAUPAY searcher when Verify option is selected; so, even if the transaction id has not been noted down by the user, verification can be carried out without any difficulty.

• * If the verification is not done on the same day and attempted at a later date, the transaction id generated at a previous date clashes with current date's transaction sequence. So error message will be displayed as follows: "Verification should be done before starting EOD on the day of Loan repayment itself. Please cancel the transaction and re-initiate payment"

SOL user should use the Cancel option in HLAUPAY and do another repayment afresh.

Thanks and Regards
Gopinath S
Inspector Posts
DMCC
Chennai 600 002

You are all aware that we are nearing the end of the financial year when interest calculation and posting are due for SB/PPF/NSS accounts.

Unverified accounts can be listed by respective offices using the HAFI menu; Following are the fields to be entered in HAFI for finding out unverified transactions:

Invoke the menu HAFI and enter the following details as mentioned belowEnter the SOL ID ____________Enter the Table Short Name as "GAM"In the Ref NO files "give two balnk spaces"Enter the General Ledger Subhead code as _________Enter the function code as "M"Select the Authorized option as "Not authorized" 

• Following are the General Ledger Subhead codes 

After entering all the details then click on Go then the system will show the list of unverified accounts as shown in the below figure.If any verification is pending in DOP Finalce application then the system will not calculate the interest for such unverifiedaccounts.So kindly verify immediately.Accounts thus identified have to verified to ensure interest is calculated and posted in them .

Please make sure no pending accounts are left unattended. SOLs are repsonsible, if the interest for the accounts are not posted due to pending account verification.

Dear All,

Almost half of the tickets relating to account closure, is reported across circles. However it will comprehensible, by following 10 key notes pointed out by us, before heading for actual closure of all schemes:-

1) Whenever an account closure has to be made, always use trial closure for making a successful attempt prior to a proper closure.

2) The closure has to be initiated only in below mentioned menus. Also while initiating closure, feed either the Repayment A/c(0340) or S.B A/c of the Depositor other than Cash.

CRDCAAC menu for RD A/c Closure.

HCAAC menu for SB & PPF A/c Closure.

HCAACTD menu for MIS/TD/SCSS A/c Closure.

CSCCAAC menu for KVP/NSC A/c Closure.

CNSBCV menu for KVP/NSC Bulk Closure.

3) Sometimes the closure would've been attempted by the user, however the user may not verify the same resulting to various issues at a later date. Most of all, without even cancelling this account closure either the same day or at least the very next day, they will begin to modify and once again initiate closure. This needs to be attended rapidly.

4) Kindly note that whenever a Modification is made @ CIF/Account Level, either it has to be cancelled (by same user) or verified in respective menu. If not, either Int. will not get executed during EOD or those accounts cannot be closed due to such pending/unverified records.

5) Always check for any pending/unverified records in HAFI menu even before proceeding for account closure. This is also essential for proper submission of EOD.

6) Bonus (only for MIS), Int., & PMI (if applicable), will be generated only if the account closure is attempted in aforementioned closure menus for respective schemes. If SI (applicable only for RD) is given, please make sure that before closing RD accounts, this SI has been lifted from such RD A/c and verified at the same time.

7) For any emergency or investigative cases arising during account closure, kindly address those with concerned SBCO/D.O/R.O/C.O. Also refer the Rules, Regulations as laid down in various POSB Manual Volumes & SB Orders released from time to time. Status Quo has to be maintained for such cases.

8) It is always advisable to credit the closure proceeds to Savings Account of the Depositor benefiting the customer to withdraw as per norms/their wish. It is also necessary to make sure that CIF of the matured account is the same CIF as that of SB account. If not, kindly arrange to merge the same through HCCA and proceed for account closure.

9) While closing the accounts held in other SOL, it is necessary to obtain SOL transfer request along with SB 10(b), from the customer with fresh KYC. Thereafter proceed for SOL transfer through HACXFSOL & notify this to the concerned SOL through HO/SBCO. Even before closure, check whether the entries are up-to-date as listed in the above points.

10) There is a limitation for extending accounts beyond maturity as for eg: For RD/TD, there is automatic renewal. However for PPF and SCSS A/cs, please obtain the request from the depositor & extend manually through HCEXTN, HEXCDM menus respectively. As if PPF is extended, it cannot be closed for a further period of 5 years & if SCSS is extended, it cannot be closed within a year.

Based on these, we can reduce the manual errors to a large extent apart from technical limitations in Finacle. It is hereby kindly requestedto address these to associating all 23,199 Live SOL's till date by any good means of communication. This may be shared to all concerned for future reference as well.

Thanks and Regards,

Hariharan S

DOP Service Desk,

CEPT, Chennai - 02

1) Whenever an account closure has to be made, always use trial closure for making a successful attempt prior to a proper closure.

2) The closure has to be initiated only in below mentioned menus. Also while initiating closure, feed either the Repayment A/c (0340) or S.B A/c of the Depositor other than Cash.

4) Kindly note that whenever a Modification is made @ CIF/Account Level, either it has to be cancelled (by same user) or verified in respective menu. If not, either Int. will not get executed during EOD or those accounts cannot be closed due to such pending/unverified records.

5) Always check for any pending/unverified records in HAFI menu even before proceeding for account closure. This is also essential for proper submission of EOD.

6) Bonus (only for MIS), Int., & PMI (if applicable), will be generated only if the account closure is attempted in aforementioned closure menus for respective schemes. If SI (applicable only for RD) is given, please make sure that before closing RD accounts, this SI has been lifted from such RD A/c and verified at the same time.

7) For any emergency or investigative cases arising during account closure, kindly address those with concerned SBCO/D.O/R.O/C.O. Also refer the Rules, Regulations as laid down in various POSB Manual Volumes & SB Orders released from time to time. Status Quo has to be maintained for such cases.

8) It is always advisable to credit the closure proceeds to Savings Account of the Depositor benefiting the customer to withdraw as per norms/their wish. It is also necessary to make sure that CIF of the matured account is the same CIF as that of SB account. If not, kindly arrange to merge the same through HCCA and proceed for account closure.

9) While closing the accounts held in other SOL, it is necessary to obtain SOL transfer request along with SB 10(b), from the customer with fresh KYC. Thereafter proceed for SOL transfer through HACXFSOL & notify this to the concerned SOL through HO/SBCO. Even before closure, check whether the entries are up-to-date as listed in the above points. 

10) There is a limitation for extending accounts beyond maturity as for eg: For RD/TD, there is automatic renewal. However for PPF and SCSS A/cs, please obtain the request from the depositor & extend manually through HCEXTN, HEXCDM menus respectively. As if PPF is extended, it cannot be closed for a further period of 5 years & if SCSS is extended, it cannot be closed within a year.

Error "Close failed for undefined reason or Scheme validation failed" in RD Closure of DOP Finacle

Reason of Error: The above error will occur when the Repayment A/c. ID is dormant which will not accept any credit.

Solution: Either the mentioned repayment account need to be changed to Active or cancel the closure and use any other account as Repayment A/c. ID.

Now you will get the following screen where you can find the misplaced instruction number of the account transfer operation done in menu option HACXFSOL

We can generate the Account number wise / Scheme wise List of Balance report for a SOL using menu option HACSP. It is useful for verification of balances for inspecting authorities.

 Steps to Generate List of Balances Report :- 

• Invoke menu option HACSP

• Enter SOL ID:

• Enter Scheme Code:

• Click on Submit

 

     This menu can be used in the following scenario

• When an erroneously excess deposit  made accounts i..e, recently due to server problem when we post the RD bulk lists system credited twice in some of the accounts. For those accounts to reverse the excess deposit we have to use this menu.

• First invoke the menu HACLI and view the ledger for the account which has excess deposit and note the transaction id, transaction date for reversal procedure as shown in the figure

• In our example from the above screen an amount of  Rs 1000/- credited twice for the reference number C1806108 which is incorrect. Hence we have to reverse the transaction for this we have find out the transaction id using the below procedure. 
• Click on the transaction date as shown in the below figure as shown in the below figure

• Invoke the menu HCRT then the system will shown the below screen as shown

• In the above enter the following details as mentioned below

          Enter the Transaction Date   ________________________

          Enter the Transaction ID       _________________________    

 As mentioned in the below screen shot

Then click on Go then the system will display the message Transaction revered successfully.

• To know whether the transaction reversed correctly or not again inquire the ledger using the menu HACLI and enter the RD account which was reversed as shown in the below figure

• HSSIM stands for Standing Instruction Maintenance. 
• HSSIM command is used for SI from SB to RD in DOP Finacle 
• Note :- that for giving the standing instructions from TDA accounts(SCSS,MIS and TD) accounts to SB accounts we should not use this menu. 
• For giving the standing instructions for TDA accounts(SCSS,MIS and TD) accounts we have to go for account modification menu and enter the interest credit account as SB account number of the customer and submit and verify in the supervisor. 
• Menu Shortcut - HSSIM 
• GO 
• Function Add 
• GO 
• The following screen will be appeared.