OPENING OF A TERM LOAN ( NON SUBSIDY AND SUBSIDY ) / DEMAND LOAN ACCOUNT In finacle all type of loan and

advances are handled under the scheme type : o ALAA For Term Loan and Demand Loan o BCCA For Cash Credit Acounts o CODA For Over Draft Accounts Again above scheme type are hard coded and Various scheme codes are maintained under these scheme types. Account opening for a loan account is similar to any other customer account saving or current account. The difference is some additional information are to be filled in the loan account . These additional information enables user to control and monitor the loan account in a better way. Some important additional information which are incorporated in the loan account given below. Invoke menu option OAAC 1- Function : A To add new record. 2- Sub option : abcdefghiG S V I E D M U H General Details Scheme Details M I S Details Interest details Repayment details Disbursement details Message Management Un computerized Detail Limit history Details Mandatory Mandatory Mandatory Mandatory Mandatory Optional Optional Optional Mandatory

Users Tenor : A- Free : If users has free tenor , he can open an account across the sol and transact across the sol also. B- Captive : If users has captive tenor , he can open an account to which sol he belongs. Verification of the account should be done using menu OAACAU. GENERAL DETAILS SUB OPTION G - MANDATORY Many of the information is default populated based on scheme parameter set up and the customer master. Mode of operation: This is MANDATORY & only an information field. This is displayed in TM Screen. Based on the value set up here and displayed during Transactions in TM the user can take appropriate procedural steps. Account Mgr: This is the user ID created using UPM menu. If any value is mentioned here, it means that this account is looked after by that particular person. Many operations can be done based on this value like interest calculation, statement printing, inquiries etc. Some important fields : 1. Customer preferential interest rates both debit and credit would be default populated if it is mentioned at customer level and the parameter is set at scheme for default population. The values can be over-ridden by the user. 2. Account Preferential is another field through which the users can specify special rates of interest to the account. 3. Interest credit flag, Interest debit flag, Interest debit account, Interest credit

account are not applicable in this case. 4. Interest table code is a mandatory field and must be changed from ZERO to applicable rate code. 5. If the interest rate is fixed during the entire tenor of the account then value should be set as Y for the field Account pegged? 6. If the value is set as Y for the above field, then the user can enter value for the fields Pegging review date and Pegging Frequency(Mnths/Days) / 7. Tax details are not applicable for Loan Accounts. SCHEME DETAILS SUB OPTION S MANDATORY 1. Loan amount is the amount of loan sanctioned. The system validates whether the amount indicated here is within the range mentioned at product level. Else an exception would be raised based on the set up. 2. Loan period is the tenor of the loan. The system validates for this value also based on the scheme level set up and appropriate exception would be raised. 3. If the value is set as Y for the field Hold In Operative A/c For Amount Due? then the user can run LALIEN menu and mark lien on the operative account to the extent of demand in the loan account 4. Value set for the field Repayment Method will decide how repayment will be made. If the value is set as A- EThe system recovers what is available in the operative account. B- T The system creates a TOD and recovers the entire dues from the operative account. C- N Then no recovery would be done. If the value is set to either P Post dated cheques or D Electronic clearing, then the user can get a report on such accounts and all further processes is procedural. 5. If the value is set as Y for field Transfer in A/c, then the user has to enter additional information in sub option U uncomputerised details. Fields on the next Screen relate to various information relating to the account with regard to Refinance, Subsidy etc. No validations are done based on any of those fields. MISCELLANEOUS CODES SUB OPTON V - MANDATORY The user must enter various codes for generation of accurate MIS here. INTEREST DETAILS SUB OPTION I - MANDATORY The system by default populate most of the values based on the set up done at scheme level. The user can over ride these information. Intt. Demand Effective Date should be entered in case of such Loan Accounts, where Intt. Becomes due after a particular period, e.g. Staff Loans on Simple Intt., Education Loan etc. Once the account is opened, then all these information will be the property of the account and system will not look into the scheme level any further for future processing on the account. REPAYMENT SCHEDULE SUB OPTON E - MANDATORY The user can set up a repayment schedule for the loan sanctioned using this sub option. 1. Flow ID field can have value which is of Equated installment demand, Principal demand or Interest demand type. These flow IDs are created using flow code maintenance. If the account is opened under equated installment scheme then the system default populates the flow id based on the set up done at scheme level. If it is equated installment, system populates the EI amount based on the number of installments indicated and the user can over ride it. An exception is also associated with this for doing necessary validations 2. Start date of the installment should always be greater than the account open date 3. User has to enter the number of installments to arrive at the installment amount

4. Depending upon the parameter set at product level, user can enter the values for the field number of instalments, and amount. If the user is coming in modify mode, then the original repayment schedule can be modified. The system does a validations if the number of instalments and the tenor of the loan does not match and an exception would be raised. DISBURSEMENT DETAILS SUB OPTION D - OPTIONAL The user can optionally have a disbursement schedule and monitor the disbursement. The system validates whenever a disbursement is made whether it is as per the disbursement schedule or not and appropriate exception would be raised if set up is done. In absence of such schedule, disbursements may be made in as many installments as required. MESSAGE MAINTENANCE SUB OPTION M - OPTIONAL As a part of account opening, the user can maintain information with regard to the account in the form of messages. These messages can be in the form of free text or through a coded mode. User can enter the messages without the help of codes also. In such cases, the user enters the message directly into the text field. UNCOMPUTERISED DETAILS SUB OPTION U MANDATORY FOR TRANSFERIN ACCOUNTS This information is required only if the value for the field Transfer in A/c? is Y. This information is stored till the account is verified and transactions are put through to the account and demands are uploaded to the system. Normally these information are captured in case of accounts which are transferred from another branch or when migration is done from one application to another application or from the manual system to computerised system. The user should enter all the relevant data during account opening itself as no further modification is possible once the account is opened. Detailed procedure is given separately. LIMIT HISTORY DETAILS SUB OPTION H - MANDATORY The user has to enter the details of the limits sanctioned and the drawing power using this sub option. This sub option has details regarding limit and the drawing power. There are two different screens to capture the details. By default once the user enters the details in the limits screen and <accept> he would be taken to the drawing power details screen. 1. System by default populates the loan amount as sanctioned limit. The user can modify this amount if he wants. The other two fields in the function block are not applicable for this scheme type. 2. Interest details are not applicable for this scheme type 3. Penal interest can be from the date of expiry or beyond the expiry date. The user cannot indicate a date which is earlier to expiry date. The drawing power indicator in this case should be mentioned as E equal to sanction limit as other values are not valid for this scheme type. Note: Please note that visit of sub option H is not mandatory during account opening. If the user does not visit this sub option, system by default populates various values that are available and puts into appropriate fields. The system will not populate values for all the mandatory fields. Even then system will not halt the process of account opening. However, when the user goes in the modification mode he will be forced to enter those unfilled mandatory information. DISBURSEMENT DETAILS SUB OPTION D - OPTIONAL The application provides a feature to disburse the loan amount as a part of the account opening itself. The user can disburse the entire amount or a part of the amount based on his requirement. However, margin cannot be collected from the borrower through this sub-option. If the user wants to disburse the amount he has to invoke this sub option and furnish information required for creation of transaction. 1. If the transaction type is cash , credit a/c number should not be entered

2. if the transaction type is Transfer, then the user has to enter the account number to which the credit should be made. On an <accept> from here the user is taken to sub option block from where he can give a <commit>. Verification of the account opening will create the necessary transaction as shown above. Once the user enters all the relevant data, he can do a <commit> from the option block. The system gives the user the account number, which has to be noted for verification. In addition SRM record is to be created and verified for every TL/DL Account. MODIFICATION OF AN ACCOUNT Once the account is opened and verified the usage of OAAC and OAACAU are over. For further modification / maintenance of the account user has to use the following menu options ACM . GENERAL INFORMATION The user will have to invoke menu ACM for modification of general information of the account except Limit and Interest details. Invoke menu option : ACM Function :M modify record Sub option : 1. 2. 3. 4. 5. 6. 7. General details with sub option Related party details with sub option Scheme details with sub option MIS codes with sub option Repayment schedule with option Disbursement schedule with option Message maintenance with option 0 A S V E D L

Once the user modifies any of the above information the modification needs to be verified. The verification of any modification is to be done using the same menu option. The user will be taken to the option block directly. From there he has to invoke the concerned sub options where changes have been done and visit those information before giving a final <commit>. INTEREST RELATED CHANGES The user has to invoke a menu INTTM for changing any of the interest related parameters including pegging and preferential interest rates. After modifying the required information, he can give a <commit>. This modification requires verification and to be done by the other person. The menu used for verification is same. LIMIT DETAIL MAINTENANCE It is possible for the user to modify the loan amount (sanctioned limit) for a loan account also. The changes to the limits should be done through menu ACLHM. This menu has two operations Modifications to sanction limit and modification to drawing power details. In the ACLHM menu option the user has to indicate operation as S or D depending upon what he is modifying .Modification of the sanction limit will check whether the amount already disbursed will cover the new sanction limit or not. The user can modify the limit. Supercede field is not accessible and value will always be Y. After modifying the details user has to <accept> to come back to option block from where a final <commit> would be done. This modification requires verification by another user. In order to modify the drawing power details the operation should be D in

the first screen of ACLHM menu option. User has to accept from the function block to go to data block. After modifying the details he can <accept> to go to option block and <commit> modifications. The modification requires verification by another user. REPHASEMENT OF A LOAN Re-scheduling the loan can be done in two ways. 1. Re-schedule loan 2. Correcting the schedule already given. This option is based on Rephasement ? Flag of ACM menu option. If the Rephasement Flag is Y, then user has to choose option 1 otherwise the user chooses re-schedule option 2. The rephasement of the loan has to be done individually for non EI type of loans using the ACM Account maintenance option. The user has to come in modify mode and invoke sub option E Repayment schedule. Cursor will be placed in the field Rephasement schedule block , Make necessary changes and commit. Points to be noted : Ensure that the total repayment amount is equal to the liability as on the date of rephasement. The start date for repayment should be greater than BOD date . The system will not insist for up to date calculation of intt. This should be taken care of to arrive at actual liability before rephasing the loan. This modification requires verification also. After verification go in inquire mode and see the different repayment schedules for the account . The system by default shows the latest repayment schedule and the cursor will be in the dummy block of repayment schedule detail. Explode from that position will show the previous repayment schedule. If there are more than 2 repayment schedules go on exploding from one schedule to another schedule till the original repayment schedule is displayed. Rephasement of E I based loan accounts on account of any other reason other than changes in interest rates and / or prepayment , same procedure should also be followed. REPHASEMENT OF E I TYPE OF LOAN A/CS Invoke Menu option REPHASEI in modify mode where scheme type is LAA and scheme code is EI type. This menu option rephase the accounts : where there is a change in the intt. Rates applicable in the accounts . where there are prepayments ( Advance recovery ) in the accounts. In case of other scenario where rephasement of an EI base account is required , the existing procedure of rephasing the account using menu option ACM E repayment schedule as applicable in Non EI based loans . Functionality -Adjustment of Amount / Period : 1- Enter A for changing EI amount and keeping the period same. 2- Enter P - for changing Period and keeping EI amount same. -Adjustment Of Interest rate changed. 1- Enter Y if rescheduling is to be done for interest rate change . 2- Enter N- if there is no interest rate change -Prepayment ( Advance recovery ) 1- Enter Y if rescheduling is to be done due to prepayment ,

otherwise enter N. 2- Enter N - if there is no prepayment. -Date range form to : Accounts for which either prepayment or interest rate change happened during the date range entered in these field will be selected for rephasment . The same procedure should also be followed for rephasement of EI based loan accounts on account of any reason other than changes in Interest Rates and / or Prepayment / . INTEREST CALCULATION ON LOAN ACCOUNTS Interest Calculation depends mainly on the set up done at Scheme Level. System calculates interest which are of Normal, Penal and Additional. QIS and Stock statement interest are not applicable for Loans scheme type. Interest calculation is a process which is affected during the following events - account opening to arrive at the EMI rephasement of loan - demand creation (EMI type of accounts) - normal interest calculation through the menu option - upload of demands - account closure TRANSACTION IN TERM / DEMAND LOAN ACCOUNT : 1- DISBUREMENT THROUGH WORK FLOW FOR LOAN : LADISB A work flow LADISB is given to disburse loan amount . This work flow is simple to use and preferred to be used. In Loan accounts , disbursement can be done Either through TM or LADISB menu option . If disbursement is done by LADISB , The system automatically creates the transaction in the account and get the voucher post / verify . Hence there is no need of verification . Subsequent and multiple disbursement can also be handled through this menu. Some important fields are : : D For disbursement : Give a/c Id : Enter the value date for the disbursement being made in the account if any . Press F4 to accept . Cursor will go to next block of information . The system will display the information like Loan amount, Loan Period , Loan Amount Disbursed and Amount Available for Disbursement in the account. Transacton Type :Select Valid value C for cash , T for Transfer Disbursement amount : Give the amount to be disbursed . Credit a/c no. : The account in which amount is to be credited. 2- TRANSACTION THROUGH T M IN TERM LOAN / DEMAND LOAN ACCOUNT After opening an account Users have to put some transaction in the account . Procedure is given below. Transactions to the account to be entered through T M . the system populate a second screen where additional detail such as Flow Id is to be entered . The following fields form part of the additional details for Term / Demand Loan account transaction. The Term / Demand loan account number for which transaction is being done is displayed in Loan account Id field. The number of repayment schedule that is currently active for the account is displayed. The over flow amount ( Advance recovery ) if any for the account is shown in the Over flow account field. ( The overflow amount is the collection ( recovery ) received over Function Account Number Value date

and above the total demand raised in the account till date or the advance recovery if any in the account ) . Flow Id is mandatory field . All transaction in Term / Demand Loan accounts should be associated with a flow id . Select correct flow id for the transaction being posted.

NOTE: While entering the transaction through T M option it is important to give valid Flow Id , Other wise At the time of post / Verification system will give error message. 2- RECOVERY IN TERM LOAN / DEMAND LOAN : A work flow Lapay ( Menu option ) is given for recovery proceeds. Invoke : LAPAY 1- FUNCTION CODE : A- S For Schedule Payment B- U For Un Scheduled payment C- M For Maturity Processing D R For Reversal E- W For Reversal of Maturity Processing 2- TRANSACTION TYPE : C For cash transaction T - For Transfer Transaction 3- Cr. Excess to LAPAY A/C: Valid values are Y : If excess credit is to be left to the Loan Payment a/c. N : Else Excess transfer to loan account. Press F4 system will take you to next screen . 4- Account ID : Give the valid loan account ID 5- Credit Amount : Give the amount 6- Value dated : If Transaction is value dated give Value date Press F4. System will take the cursor to Demand type/ fees block . Enter the valid values i. e. Principal , Interest and Charges etc. In this block system also displays outstanding principal , interest etc. Press F4 and Press F10 . System will give Transaction Id . Note down this number. Press F4 to complete this operation. VALUE DATED TRANSACTION abIf a value dated transaction is put to a Term / Demand Loan account , the system will check if the value date is later than the date on which the currently active repayment schedule is specified to the account. If the value date is such that other demands and collections have already been posted after value date, the entire history of demands and collections is reworked and the data base updated by the system to reflect the correct picture, which can be viewed by invoking the menu option LAOPI . The system will also re - calculate the interest in the account during the next interest run date and adjust the excess / less intt. Amount if there any charged to the account. The information regarding the adjustment of such interest can be taken from the interest application report generated by the system on the interest application date, which is available in the PR menu option of the person invoking the interest application process.

cd-

CLEARING TRANSACTIONS IN TERM / DEMAND LOAN ACCOUNTS :

All the clearing transactions in the Term / Demand loan accounts should be routed through Sundries General Account. Any direct credit of a clearing transaction to a Term / Demand loan account and subsequent returning of the cheque will lead to incorrect overdue position in the account. REVERSAL OF TRANSACTIONS IN TERM / DEMAND LOAN ACCOUNTS For the reversal of a wrong transaction in Term / Demand Loan Account Invoke menu option : T M Function : A To add the record. Enter Sub type : T/ BI Bank induced or T/CI Customer induced. And Press F4 to go to next block. - Now enter the account number and amount of transaction which is to be reversed. - In the field type of Part transaction enter D- Debit if the credit entry is to be reversed. Else C Credit if debit entry is to be reversed. - Then Enter the appropriate particulars in the Particulars field and then enter the field Value date field with the original transaction date (i.e. The date on which wrong transaction executed. ) and Then Press F4 to accept the transaction. - Now the system will force the user to fill Additional details . In the additional transaction valid Flow Ids to be given here. Flow ID Particulars ACOLEC For reversing Debit transaction BDISBT For reversing Credit transaction The system identifies a transaction , as a reversal transaction whenever a debit transaction is entered with a flow id COLEC or a credit transaction is entered with flow Id DISBT and the transaction is value dated with that original transaction. - The value in the field REVERSAL FLAG should be Y . - Then the tran id of transaction to be reversed is to be entered in the REVERSAL TRAN ID field. - This field consist of three parts , the first is reversal tran id i.e. the original tran id that is being reversed, and the second is the reversal tran serial number and their third part is the date of original transaction. - This field can be entered only if the Reversal Flag field is set to Y. The option of < List > is available for the transaction id and Explode is available for the reversal date. - On entering the required information accept and submit the transaction and get the transaction verified. - The system will identify this transaction as a reversal transaction and the effective interest amount debited to the account will be adjusted by the system whenever the interest is run in the account. Similarly, the demand / Collection also get adjusted accordingly. Procedure for closure of Term Loan / Demand Loan account : Ensure following steps before closure of Term loan / Demand Loan account : 1- Modify Pay interest Field Invoke Menu option : ACM Customer Account Maintenance in modify mode. And then Enter the account number in the valid field . - Then enter O General details in the option field Press F4 to accept . Cursor will go to next screen using F6 . Modify the field Pay Interest form Y to N . Get this modification verified. 2- Ensure that all security attach to the account are deleted through S R M menu and verified also. 3- Ensure that no Standing instruction is outstanding in the related loan account. 4- Ensure that there is no pending transaction for the related account in entered status. 5- On pressing F4 the system shall calculate the up to date interest and create

transaction for interest debit and post the same in the account under closure. 6- The interest entry shall be in the entered state if any exceptions are encountered. Come out of the CAAC menu option. Print the interest application report through PR menu option. If interest transaction is in Enter state, get it post / verify through TM .However interest is being debited to the office account then , after interest calculation and post and verify the transaction to the office account through menu option TM and invoke menu option LAXFRINT for transferring the interest liability from office account to the loan account. 7- After the interest applied to the account through menu option CAAC, the system will show the exact liability in the account on the day of closure as the interest transaction is posted and verified. 8- The loan account should be credited by the debit balance amount through menu option TM. Flow Id for the transaction will remain COLEC. This transaction should be posted and verified. 9- When loan account balance is zero once again invoke menu option CAAC, enter Account Number and press F4. Ensure that field RUNIN. CALC. NOW is default populated as N and the field is protected. 10- The system displays a message at the bottom of the screen that the interest calculation is up to date. After ensuring this, accept and commit account closure. 11- The account closure is to be verified through CAACAU close an account menu option. 12- select V verify function in the field. 13- On pressing the F2 field Account number the system will display the list of account where verification of closure is pending. Select the valid account to be closed by pressing F4. 14- Again Press F4 , system will display other information . 15- Accept the detail and then Commit to verify the account closure process.

PRINCIPAL SUBSIDY SCHEME This work flow OLAPS facilitates the users to open principal subsidy related account. Accounts opened under principal subsidy scheme are to be verified through OAACAU menu option. PROCEDURE FOR OPENING ACCOUNT: Invoke menu option OLAPS 1- FUNCTION BLOCK : Valid options are a. A- Add To add new record b. V- verify To verify the record c. X- Cancel To cancel record After Entering the valid option Press F4. Now in the same screen Following field shall populate. 2- CUSTOMER ID : As we have already discussed the procedure for creation of Customer Id in the Customer Master Maintenance chapter. Again Users must note that this field does not provide the facility of listing the valid codes by pressing F2. 3- SCHEME CODE : Enter valid scheme code. For the users convenience User can list the valid scheme code by pressing F2. After listing the scheme code user have to select valid scheme by pressing Ctrl+F4 . After entering the scheme code , Enter F4. System will populate the next screen for

general details as opened in the OAAC Menu option. Now user have to enter following mandatory details. GSTUIGeneral Details Scheme Details Repayment Details M I S Details Interest Details Detail guidelines are given in the loan account opening chapter 9. There is slight change in operation as the subsidy details fields opens in addition to other field. Detail guidelines are given in the loan account opening chapter 9. Detail guidelines are given in the loan account opening chapter 9. Detail guidelines are given in the loan account opening chapter 9.

SCHEME DETAILS SUB OPTION S MANDATORY 1. Loan amount is the amount of loan sanctioned. The system validates whether the amount indicated here is within the range mentioned at product level. Else an exception would be raised based on the set up. 2. Loan period is the tenor of the loan. The system validates for this value also based on the scheme level set up and appropriate exception would be raised. 3. If the value is set as Y for the field Hold In Operative A/c For Amount Due? then the user can run LALIEN menu and mark lien on the operative account to the extent of demand in the loan account 4. Value set for the field Repayment Method will decide how repayment will be made. If the value is set as A- EThe system recovers what is available in the operative account. B- T The system creates a TOD and recovers the entire dues from the operative account. C- N Then no recovery would be done. If the value is set to either P Post dated cheques or D Electronic clearing, then the user can get a report on such accounts and all further processes is procedural. 5- As we press F4 system take you to next screen where subsidy details is to be entered . On pressing F4 following mandatory fields are to be filled . o Subsidy Amount : Enter the Subsidy amount. Press F4. If subsidy is not received till the disbursement date . Press Tab and fill the date of claim of subsidy and Subsidy received date. o Subsidy Agency : Enter the Agency from where Subsidy is received. Press F4. system will take cursors on the Operative account Id . o Operative account Id: Give valid account Id . Press F4. System will take you to another SUBOPTION FIELD. Enter another field as discussed earlier. After making the entries in the mandatory fields , User have to press F10 . System will generate Temporary Account ID. User shall note down this ID. Again this account has to be verified by the another user. Remember like other account all verifier must visit all the screen as entered at the time of account opening. Note : Users have to attach security as discussed in the security register maintenance chapter 11.

TRANSACTION IN PRINCIPAL SUBSIDY ACCOUNT : For the maintenance of principal subsidy another work flow TMPS is given . This work flow provides the following function related to subsidy. 1- Credit of Principal Subsidy 2- Debit of Principal Subsidy User have to invoke menu option TMPS. 1- Function code : Valid codes are A- Add To Add new record B- Verify To Verify the entered record3 X-Cancel To Cancel the entry After entering the valid code i.e. A for adding a new subsidy record to a loan account. Press F4 . 2- Loan account No. Enter the valid account ( Only principal subsidy related account) 3- Transaction Type : Enter C for crediting Subsidy and D for debiting the account. After entering the particulars , Press F4. System will take the cursor on the next screen where following details are to be filled . ASubsidy Amount This is mandatory account . Enter the valid amount which is to be allowed to the loan account. BSubsidy Agency Enter valid Agency , Dealing with the Subsidy. User can press F2 for help. Its a mandatory field. CSubsidy Received Date Enter the Date on which Subsidy is received. . Its a mandatory field. DLock in period If there is lock in period for the adjustment of subsidy . Enter Period in Month. . Its a mandatory field. ELock in amount This field is kept blocked for future use. FSource account Enter the account number from which subsidy is to be received. . Its a mandatory field. GValue Date If there is any value dated adjustment of subsidy , Enter the Valid date. By default this field is populated as BOD date. Press F4 to accept this entry. This entry also need verification with the same menu option by another user. REVERSAL OF SUBSIDY : For Debiting subsidy account and Reversal of Subsidy to the Loan or else , procedure is same . If after adjustment of subsidy, Balance of subsidy account becomes Zero. This account will automatically be closed. Invoke menu option 1- Function code AVX: TMPS : Valid codes are

To Add To add new record To Verify record To cancel Record Give the valid account number of which subsidy it to be reversed on pro rata basis or complete. For reversal of Subsidy , Give transaction type D. Press F4 .

2- Loan Account no. : 3- Transaction Type :

System will take you next screen where following fields are to be entered . A- Close or Adj. Debit : Valid values are - C for closure of account - D for intermediate adjustment of subsidy. B- Closure Adjust. Method : valid values are - P On pro rata basis - C Complete adjustment C- Linked subsidy account : It is default populated. D- Subsidy Adjustment amount : Give the amount to be adjusted towards loan account. E- Loan account number : It is default populated. F- Subsidy refund account : Give the valid code for subsidy refund. G- Loan adjustment amount H- Subsidy refund amount Give the valid amount. If there is any refund amount of subsidy to issuing agency, Give the valid amount. After entering all the mandatory details. Press F4 to accept changes. Again this transaction is to be verified by another user. TRANSACTION IN KISSAN CREDIT ACCOUNT : Transaction in kissan credit card i.e. Disbursment, charges collection , reversal and repayment are done by this menu option TMKCC. Procedure is given below. Invoke menu option : TMKCC 1Function Code Valid function codes are. -A To Add the record. -I To inquire the record -V To verify record -X To cancel record 2Tran Nature Valid values are -D For disbursement -C Charges collection -R Repayment of Loan -Z Reversal of entry Press F4 . System will populate following fields. 1. 2. 3. 4. 5. Valid value for C Cash and T for Transfer. Give the account number of Kissan Credit Card. Enter the amount of transaction. Enter the RABI / KHARIF If the transaction is value date give the date , Else system will pickup the BOD date. 6. Remark : Give remark if any. Press F4 . System will populate Repayment date field . If Repayment date is correct then Press F4. System will generate the transaction Id. Note it down and verify the same by another user. SCKCC Subvention Claim for Kisan Credit Cards This is a batch job which calculates the subvention claim for the disbursements done up til the batch run date. This batch would be enabled to be run in trial mode also. This batch would calculate the Subvention Claim Amount on a date. This batch would only Report the Subvention Claim to be claimed by the bank for an account. It would not do the Financial Transaction for the claim. Since the Tran Type KCC account no. Tran Amount Crop Name Tran Value Date : : : : : : :

calculation logic of subvention claim is quite complex, there is no reversal available for the same. However, a trial run has been enabled which will cater to the reversal requirements. The suggested process for the same should be as follows : 1. Run the Batch in Trial Mode when the Subvention Claim Has to be done. The claim details can be sent to the Agency. 2. After receiving the corresponding claim from the agency, the batch should be run in normal mode. This will clearly mark that the subvention claim has actually been done. The next batch run will treat these claims as completed.