User Manual For COS

User Manual for Credit Operation System (COS)
Contents
1. Update COS ......................................................................................................................................... 2
2. Credit Information Search .................................................................................................................... 2
3. CIC Search Register .............................................................................................................................. 3
4. Stock Report (Drawing Power Calculation, Stock Inspection, Stock Insurance) ..................................... 5
5. Land and Building Insurance Report (required for building insurance).................................................. 8
6. Vehicle Insurance Report (mandatory for all Hire Purchase / Vehicle Loan) ........................................ 10
7. Multiple Banking Report .................................................................................................................... 12
8. Exception Review/Overdue Report .................................................................................................... 13
9. HP Overdue Report ............................................................................................................................ 17
10. Gold Loan Status .............................................................................................................................. 21
11. CRD File Status................................................................................................................................. 23
12. Limit Approval History ..................................................................................................................... 24
13. Installation of Credit Operation System (COS) .................................................................................. 27
14. COS User Creation .......................................................................................................................... 31
15. ......................................................................................................................................................... 31
16. Non Banking Assets ......................................................................................................................... 31
17. Written Off Loans ............................................................................................................................ 31
18. Others ............................................................................................................................................. 31
Page 1 of 31
1. Update COS
If Current Version is below 1.2.7, please update

COS.exe and COSRegister.reg from
ftp://192.168.103.3/CRD/Credit%20Operation%20Syst
em/,
and paste it to C:\Credit Operation System folder
2. Credit Information Search
Click on Credit>>Credit
Information
For Existing Client, search it

o For New CIC Entry check button on Client
o To get Existing CIC Entry, check button on Previous CIC Search
Page 2 of 31
o Click on Client Name and Click Select

For New Client, Click on New Client
If New Client, Enter Client Name on Right to Client Code Box
Enter Loan Details in upper Grid
Enter Searching borrower/guarantor/directors name in lower grid
Click on Send Request to finish CIC search request
Loan Details
Search Name
details
To get search previous CIC Entry
Previous CIC Search
3. CIC Search Register

- To get reply from Credit Admin/CCOD Click on Credit Amin>>CIC Register
Page 3 of 31
Select 2 Obtained and Show

If the reply is send and if Click on the Search Name, download button is enable
Click to download to save the CIC Report
Page 4 of 31
Click To download
CIC Report
4. Stock Report (Drawing Power Calculation, Stock Inspection, Stock Insurance)
Click on
Hypothecation
To get client name, click on search button

Select required client name
Click New for New Entry of Stock Report
Ac Status should be normal for all live accounts
For drawing power calculation, carefully provide Pumori MainCode (it should be same as on
Pumori to import Limit and Outstanding Balance from Pumori directly by COS)
Page 5 of 31
After provided all the required information, click save Button to save the data
To get the Stock Report, Click on Report Button
Click Show Button to show the report of the branch

If any of these is overdue (Statement Date, Drawing Power Surplus/Deficit, Last Inspection
Date, Insurance Expiry Date), it will marked by Red Color.
Page 6 of 31
If update information is received, click on the borrower name and click on Edit button to
edit the record.
After finalization of report, click on Send Report button to sent the report
To Check Total No of customer report sent, click on Summary ALL and make report button
If the report is differ than as expected or if any correction is needed then select the
customer name and click edit button to edit the data
Click the Send reports button to resend the report.
To save the report on excel format, Click Export to Excel
Page 7 of 31
5. Land and Building Insurance Report (required for building insurance)
Click on Land and

Building
Select Branch Code

Click on Search Button to get client name
Select proper client name
Click New button to add new land and building
Provide proper details of land and building information
Mortgage details are not mandatory
Insurance details are mandatory for building insurance
Page 8 of 31
After providing all the information, click save button to save data.
To get Insurance Report

-
Click on Report
To Check the Report

-

If any of these is overdue (Insurance Expiry Date and Last Inspection Date), it will marked by Red
Color.
If update information is received, click on the borrower name and click on Edit button to edit the
record.
Page 9 of 31
6. Vehicle Insurance Report (mandatory for all Hire Purchase / Vehicle Loan)
Click on Vehicle
Registration
Select Branch Code

Click on Search Button to get client name
Select proper client name
Click New button to add new land and building
Provide proper details of land and building information
Mortgage details are not mandatory
Page 10 of 31
Insurance details are mandatory for building insurance

After providing all the information, click save button to save data.
To get Insurance Report
To Check Report
-

If any of these is overdue (Insurance Expiry Date and Last Inspection Date), it will marked by
Red Color.
If update information is received, click on the borrower name and click on Edit button to
edit the record.
To Save Report
- To Check Total No of customer report sent, click on Summary ALL and make report button
- If the report is differ than as expected or if any correction is needed then select the
customer name and click edit button to edit the data
- Click the Send reports button to resend the report.
- To save the report on excel format, Click Export to Excel
Page 11 of 31
7. Multiple Banking Report
Click on Multiple
Banking
Click on Search button to get Client Name

Proved Correct Client Code (of Pumori to get Limit and Outstanding Balance directly from
Pumori)
Banking Type
Account Status for live Account
Provide details of Multiple Banking Facilities (Name of BFIs, % financing, Member status, any
remarks)
To Save
Page 12 of 31
Click on Save Button

To get Report
Click on Report Button (Provide Nepali Year and Quarter End Month)
Click on Ok to import report on Excel
8. Exception Review/Overdue Report
Click on Excess
Review/ Overdue
Report
Select Branch Code

Select Nepali Month and Click on Show Report (it will show last month excess overdue
report of the branch)
Page 13 of 31
Provide security (distress value) to secure the each loan in Security Value Column (Note that
once you provide security value of a loan, it will automatically extract in next month report if
same overdue loan is repeated)
Provide Reason for Loan (principal or interest) overdue in Reason for Overdue column (Note
that once you provide reason for loan overdue of a loan, it will automatically extract in next
month report if same overdue loan is repeated)
Page 14 of 31
Provide Action taken by the branches to recover/regularize the loan in Action Taken column
(Note that once you provide action taken to regularize/recover loan overdue of a loan, it will
automatically extract in next month report if same overdue loan is repeated)
Provide R Renewal from drop box to remark either the loan is renewal/reviewable. If not
case of renewal/review then leave it blank in Review column (Note that once you provide
Review/Renew status of a loan, it will automatically extract in next month report if same
overdue loan is repeated)
Page 15 of 31
After providing all the required information (Security Vale, Reason for overdue, action taken and
Review status) send report by clicking Send Report Button.
Summary Exception Report
Details Exception Report
Print Report by selecting Summary or Detail Report and save report by click Export to Excel.
Page 16 of 31
9. HP Overdue Report
Click on HP
Overdue Report
Select Branch Code

Select Nepali Month and Click on Show Report (it will show last month excess overdue
report of the branch)
Click on Show Button to show the report
Page 17 of 31
Provide security (distress value) to secure the each loan in Security Value Column (Note that
once you provide security value of a loan, it will automatically extract in next month report if
same overdue loan is repeated), If you entered details of vehicle in Vehicle Registration part
with providing proper Pumori MainCode, it will automatically show the value of vehicle.
Provide Reason for Loan (principal or interest) overdue in Reason for Overdue column (Note
that once you provide reason for loan overdue of a loan, it will automatically extract in next
month report if same overdue loan is repeated)
Page 18 of 31
Provide Action taken by the branches to recover/regularize the loan in Action Taken column
(Note that once you provide action taken to regularize/recover loan overdue of a loan, it will
automatically extract in next month report if same overdue loan is repeated)
Provide N New Ac or O Old Ac from drop box to remark either the loan is newely overdue or
old overdue account. (Note that once you New/Old status of a loan, it will automatically
extract in next month report if same overdue loan is repeated).
Page 19 of 31
After providing all the required information (Security Vale, Reason for overdue, action taken and New
Old status) send report by clicking Send Report Button.
-
Click on Yes
Summary of HP Overdue Report
Page 20 of 31
Details of HP Overdue Report
Print Report by selecting Summary or Detail Report and save report by click Export to Excel.
10. Gold Loan Status

- To seek Gold Loan Status approved by the branches
For New Gold Loan (shown Qty of Gold, Rate (should be provide on Current Rate box),
Value and valuation date as blank); Click on New
Provide relevant security details as shown and Click Save.
Page 21 of 31
- To Edit existing security details, Click on Edit and Save it again.

- After providing security details of gold loan listed, click on Send Report to send the report.
- After sending reports, Print the report by choosing one option from two (Details Report and
Summary Report) and click on Print to show and Export to Excel to Save report.
- Change Amount In as 1000 instead of Current Price of Gold
Gold Loan Details Report as:
Click on Detail
Reports
Page 22 of 31
- Gold Loan Summary Report as:
Click on Summary
11. CRD File Status

- To seek CAM received and approval status of file sent for approval from the branches
Click on CCD/CRD
File Status
Page 23 of 31
Select Approved from the dropdown box and

Click on Show Button
If, CRD has sent scanned approval copy of the CAM, it can be downloaded by selecting client
name then Click on APP Recv Branch button. (if CAM is not scanned the button will not
enable)
12. Limit Approval History

- CRD/branches can see the limit approval history of the clients
Page 24 of 31
Click on Account
Information
Search client name by clicking search button
Page 25 of 31
Select Client name click on Select Button
Click on Limit
History Button to
show limit history
Click on Other information tab
Page 26 of 31
Click on Limit History button
13. Installation of Credit Operation System (COS)

-Copy Credit Operation System Folder from ftp://192.168.103.3/CRD/
- Paste it to C drive of the computer
- Open Credit Operation Folder>>COS Setup
- Click on Setup.exe
Page 27 of 31
Click on Ok Button
Click here
to start
installation
Click on large button (upper left corner with setup pic)
Page 28 of 31
If this type error is seen during installation, click on Yes
If this type of errors are seen, Click on Ignore to continue the installation process
After Installation completed successfully message is prompted, Click on Ok to complete.
Page 29 of 31
Back to Credit Operation System Folder
Right click on COS.exe and create Short on Desktop
Page 30 of 31
Double Click on COSRetister.reg

Click on Yes and Click on Ok to finalization COS installation.
14. COS User Creation
- The branch should request system department or Lokendra Chaudhary (CCOD) to create
new user through mail request. The request should be sent by either Branch Manager or
Credit In-charge of the branch.
Name: .
Branch: ..
User Name: .
Email: ..
We will provide the username and password (same as username).
After login with user name and password, the user should change the password mandatorily
Up-comings
15.
16. Non Banking Assets
17. Written Off Loans
18. Others
(Note: if any problem in operation of software, Please contact Lokendra Chaudhary)

Page 31 of 31

User Manual For COS

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User Manual for Credit Operation System (COS)

User Manual for Credit Operation System (COS)

If Current Version is below 1.2.7, please update

2. Credit Information Search

For Existing Client, search it

User Manual for Credit Operation System (COS)

o Click on Client Name and Click Select

To get search previous CIC Entry

Previous CIC Search

3. CIC Search Register

User Manual for Credit Operation System (COS)

Select 2 Obtained and Show

User Manual for Credit Operation System (COS)

4. Stock Report (Drawing Power Calculation, Stock Inspection, Stock Insurance)

To get client name, click on search button

To get the Stock Report, Click on Report Button

Click Show Button to show the report of the branch

User Manual for Credit Operation System (COS)

User Manual for Credit Operation System (COS)

5. Land and Building Insurance Report (required for building insurance)

Click on Land and

Select Branch Code

User Manual for Credit Operation System (COS)

To get Insurance Report

To Check the Report

Click Show Button to show the report of the branch

User Manual for Credit Operation System (COS)

Select Branch Code

User Manual for Credit Operation System (COS)

Insurance details are mandatory for building insurance

To get Insurance Report

Click Show Button to show the report of the branch

User Manual for Credit Operation System (COS)

7. Multiple Banking Report

Click on Search button to get Client Name

User Manual for Credit Operation System (COS)

Click on Save Button

8. Exception Review/Overdue Report

Select Branch Code

User Manual for Credit Operation System (COS)

User Manual for Credit Operation System (COS)

User Manual for Credit Operation System (COS)

Details Exception Report

User Manual for Credit Operation System (COS)

Select Branch Code

User Manual for Credit Operation System (COS)

User Manual for Credit Operation System (COS)

User Manual for Credit Operation System (COS)

Summary of HP Overdue Report

User Manual for Credit Operation System (COS)

Details of HP Overdue Report

10. Gold Loan Status

User Manual for Credit Operation System (COS)

- To Edit existing security details, Click on Edit and Save it again.

User Manual for Credit Operation System (COS)

- Gold Loan Summary Report as:

11. CRD File Status

User Manual for Credit Operation System (COS)

Select Approved from the dropdown box and

12. Limit Approval History

User Manual for Credit Operation System (COS)

Search client name by clicking search button