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Showing posts with label SB. Show all posts

January 22, 2020 , ,
Error:
While Closing the SB Account, It may shows error message as GR3 - Referred Account closure | 0000


Solution:
  • The said error due to non removal of interest credit Account such as MIS/TD/SCSS. Before proceeding closure of an SB Account, all other linked account to be closed/ SI to be removed.
  • Once the linked SI removed from SB, the account closure may be done without error message.
  • If still, the error shown, wait till DC Closure and proceed the closure on next day without error.

January 01, 2020 , ,
Dear SPOCs,

It is observed that most of the SOLs are closing the cards without relevant reasons. Even for replacement of cards, closure is being initiated which is incorrect. Closure of cards should be done only if linked primary SB account is being closed.

If secondary SB account linked to the card needs to be closed, delink the account in CCMM menu and close the SB account on next working day.

Instruct the SOLs to hotlist and replace the cards for replacing the existing card with the new one and DO NOT close the cards for replacement.

Thanks & regards,
Incharge Operations, DOP ATM Unit
CBS-CPC, 4th Floor, Bengaluru GPO Building
Bengaluru-560001
Toll free - 18004252440
postatm@indiapost.gov.in

June 11, 2019 , ,

ACCOUNTS OPENED IN CONTRAVENTION OF RULES
(SB Order 09/2018, POSB(CBS) Manual Page No. 27 &28)


25 (1) If an account is opened in contravention of the P.O.S.B. General Rules, 1981, the account should be closed under the orders of the Head Postmaster. No further transaction should be allowed in it. If any annual interest has been credited in the account, it should be adjusted at the time of closure of the account through the register of rectification of interest and a remark of adjustment made in the ledger folio. A written notice in the following form should be sent to the depositor indicating the irregular opening with a request to close the account within 30 days of issue of notice and take the withdrawal payment personally or through an agent. If the depositor does not comply with the request within 30 days, the account may be closed and the amount remitted by crossed cheque after deducting the interest if any already paid.


SPECIMEN OF NOTICE

NOTICE
Dear Sir/Madam,

It is noticed that your account No. ……… has been opened in contravention of rule (4) of the Post Office Savings Account Rules, 1981. As no interest is admissible on the deposits in such account vide rule 17 of P.O.S.B. General Rules, 1981, I request you to close the account immediately. You may present your pass book at …… office together with an application for withdrawal and receive payment of the amount at your credit either personally or through an agent. If, however, you failed to close the account within 30 days of issue of this notice, the amount will be remitted to you by cheque after deduction of amount of interest if paid any and the postage charges from the amount at credit.


Yours faithfully,
Postmaster

(2) At the Head Office: - If an account had been opened at the head office, action for its closure will be taken in the usual manner when the pass book is presented by the depositor. Since no interest will be admissible, care should be taken to see that annual interest, if any, allowed on the account prior to the issue of the notice is adjusted from the balance at credit while making the payment.
Note: When the fact of opening the account in contravention of Rules come to the notice, supervisor has to take steps to freeze the account immediately so that no further transactions can be done in such accounts.

(3) At the Sub Office including its Branch Offices: - In case the account had been opened at sub/branch office, sub postmaster will send a notice to the depositor The notice should contain instructions to the effect that no further transaction should be allowed in the account. The balance in the account as in the sub office record as also the amount of annual interest credited to the account, if any, that has to be adjusted at the time of closure of the account should be intimated. When the pass book is presented at the sub office and the balance in the pass book tallies with finacle, the sub postmaster should take action to close the account without further reference to the head office and return his copy of the notice along with the warrant of payment.
Note: When the fact of opening the account in contravention of Rules come to the notice, sub postmaster has to refer the case to head office along with prescribed documents to freeze the account immediately so that no further transactions can be done in such accounts

(5) In case of branch office, the application for withdrawal and the pass book will be received in the account office which should take action to authorize payment and return the warrant of payment and the pass book to the branch office. In case, there is a difference between the balance in the pass book and balance in Finacle CBS Application, the pass book and the application for withdrawal should be sent to the head office and further action taken in accordance with the instructions received from the head office.

Source: SB Order 09/2018, POSB(CBS) Manual Page No. 27 &28

June 01, 2019 , , ,
If the POSB account is not linked to IPPB account while opening account, it can be linked subsequently on customer request. Following is the procedure for linking POSB account with IPPB account
Finacle command used for linking is CLDPOSB
Same command is also used to delink account
Following screen will appear
Select Function - Link
Enter IPPB Account Number. On clicking tab details like Aadhaar number, Name of customer and mobile number will automatically come.
Enter POSB Account number and DOP CIF ID
Select consent and Agent Declaration
Click on Generate OTP
Enter six digit OTP and press tab to enable Validate OTP.
On clicking Validate, message for successful linking will appear

February 08, 2019 , , ,
Dear All,

This unit is receiving huge number of complaints regarding non-receipt of SMS alerts for the transactions done by POSB customers which is resulting in misappropriation of funds. Respective counter PA and Supervisor will be held responsible in case if any ATM card is issued without updating valid mobile number at CIF level. If not updated by 15 Feb 2019, all the ATM cards without mobile number at CIF level will be blocked centrally by NAU without any prior notice.

Hence below mentioned message should be prominently displayed in notice board, counters, DOP ATM premises and where ever feasible in regional language as well as in English.

"Dear POSB customer, Please get your mobile number updated at your home branch PO immediately for receiving SMS alerts. Your DOP ATM card will be blocked with effect from 15 Feb 2019, if mobile number is not updated.."



Thanks & regards,
Incharge Operations, DOP ATM Unit
CBS-CPC, 4th Floor, Bengaluru GPO Building
Bengaluru-560001
Toll free - 18004252440
postatm@indiapost.gov.in

January 10, 2019 , , ,
Procedure for SB withdrawal above 5000/- at Branch Post Offices (BO Higher Value Withdrawal):

1. The request for a withdrawal of amount more than Rs.5000 can be initiated through device by BPM using High value withdrawal option but till the stabilization of new process, he will collect the Withdrawal form (SB-7)too, take customer’s signature and send the verified voucher along with Passbook to AO for approval.

2. Even though the high value withdrawal request will be visible to the SPM of AO on Finacle on the same day itself, the request would be approved by the AO only when the physical vouchers with verified signature would be received from the BO along with Passbook.

3. BPM can execute the transaction and disburse the amount (subject to availability of cash) after receipt of voucher & passbook and from AO duly approved. BPM should follow the remaining procedure as mentioned for normal withdrawal.

4. On receipt of withdrawal Form and Passbook from BO for sanction of high value withdrawal, PA and Supervisor will go to HACLI menu and see balance in the account before approving the request. Signature of depositor should also be compared with the available signatures in Finacle and PA as well as Supervisor will follow the same procedure as being followed now and sanction will be sent to BO. SB-45 register will continue to be maintained.

5. When withdrawal form is received from BO after the payment, date of payment should be entered in SB-45 as done presently.

December 30, 2018 , , , , , , , , , ,
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

December 17, 2018 , ,
In a bid to further digitise its operations, India Post, on Friday launched the Internet banking facility for its post office savings bank (POSB) customers. The facility was launched by Union Minister (Independent Charge) for communications, Manoj Sinha, in an event held at the National Media Centre in New Delhi. 


At the event, the revamped India Post website and e-commerce portal for rural entrepreneurs were launched as well. 

How to use India Post's Net banking facility 
A POSB customer can access the Internet banking facility at the https://ebanking.indiapost.gov.in/. 
According to the FAQs mentioned on the website, to avail this facility, there are certain requirements: 

a) Valid and active single or joint account 
b) KYC documents if not already submitted 
c) Active ATM/debit card 
d) Mobile number and email ID should be registered with them
e) PAN number should also be registered 

A customer is required to visit the home branch of the post office and submit the application form. The internet banking facility will get activated from the next working day as per the website. You will receive an SMS alert on your mobile upon successful activation of the Internet banking facility. 

Once the Internet banking is activated you will be required to configure it by using the hyperlink 'New User Activation' on the website. Remember you will require your customer ID or CIF ID and account ID to configure it. 

Facilities available :

Using the facility, you can transfer funds from one POSB account to another which can be either self-payee or third-party payee. You can also make deposits from savings bank account to your own RD account, PPF accounts and so on. 

You can also open and close an RD account and term deposits (TD) accounts. You can also withdraw money from your PPF account, if eligible. 

If you have you queries, you either call on 1800-425-2440 or write to dopebanking@indiapost.gov.in

December 16, 2018 , ,
DoP Internet Banking has been launched on 14/12/2018

Following steps should be followed for activating DoP Internet Banking:

  • Get request from customer in the prescribed pre-printed form.
  • Use CMRC menu, Modify CIF and fill all mandatory fields : Mobile no, email id, DOB, PAN and mother's maiden name.
  • Click on enable Net banking, submit & verify.
  • If photo and signature are not available, get fresh KYC form.
  • Customer will get SMS after 24 hours with an internet banking link.
  • Customer can activate DoP Internet banking using the provided link with his CIF ID and Account ID.
(PLEASE TRY TO LOGIN, ONLY AFTER RECEIVING SMS) 


  1. Click New Activation.
  2. Customer ID is CIF ID
  3. Account ID is SB A/C No.
  4. Click submit. 
  5. Customer will receive an OTP on registered mobile number for activating Internet Banking.
  6. Default USER ID is CIF ID.

December 15, 2018 , ,
DOP Finacle Menu : CMRC

by using CMRC menu, the Net Banking of the DOP Customer may be enabled and verified by the Supervisor. On successful activation of Internet Banking,

  • An Activation message will be received from DOP with in 24 hours or take little more based on server response.
  • Customer can register Internet Banking by clicking on New User.
Customer ID is a CIF ID of the Customer


Note: You must select only Internet Banking not mobile banking option in CMRC

December 15, 2018 , ,
DOP Finacle Menu : CMRC

Use CMRC menu,
  • Fill all mandatory fields. Mobile Number, eMail ID, PAN Number, Mother's Maiden Name are Mandatory. Also confirm whether DOB, Full KYC Updated for the requested Account. If KYC Not updated please obtained from the concern and update the same immediately.
  • Click on enable Net banking and submit and verify.
  • You will receive SMS after 24 hours.
  • A SMS containing activation link for enabling Internet Banking option.
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