OFFICE ACCOUNTS

Office Accounts are accounts opened at the instance of the bank. It is an account
opened, without reference to a customer Id or involving a customer. Features like
issuance of cheque book, charge calculation, minimum balance check, and interest
calculations are not applicable to Office Accounts. All

operations on the account are

initiated and done by the Bank.

Office accounts are required by the banks to record transactions relating to :
Assets and Liability Accounts
Income and Expenditure Accounts
Contingent Accounts
Provision Accounts
Inter Branch Accounts

Some features of an office account are as follows:

Asset accounts should not go into credit balance and Liability accounts should not
go into debit balance.
Transactions posted to certain Office accounts may have a reference to an earlier
transaction and needs be matched.
Example : Suspense account and Sundry account
In Income accounts like Commission, Exchange etc the balance of the account
should not go to Debit and similarly the balances of expense accounts should not go
to credit.
For certain accounts, while posting a transaction, certain additional particulars
needs to be captured viz Initiating Branch reference, Destination Branch reference,
Advice number etc.
In Contingent Liability accounts, the transactions are posted automatically by the
system on the happening of a particular event. Here the users should not be allowed
to put through transactions manually into the account.
Example : A Bank guarantee issued on behalf of a customer will automatically
create a contingent liability account.
Taking into account the above objectives/functionality, the office accounts have been
grouped into the following Scheme Types.
Office Account Basic
- OAB
Office Account Pointing
- OAP
Head Office Accounts
- HOC
Demand Draft Accounts - DDA
Office System Pointing
OSP
Office Accounts are hence opened depending on the type, nature and functionality
required, under one of the following Scheme Types - OAB / OAP / HOC / DDA /OSP.

How are Office Accounts used in Finacle ?

Office Account Basic : Accounts like Cash, Asset accounts, Liability Accounts, Interest,
Commission, Exchange, Discount, Charges are opened under this Scheme Type.
Office Account Pointing : This Scheme Type is used for opening Sundry and Suspense
Accounts.
Office System Pointing : This Scheme Type is used for opening only Proxy Accounts,
where the system not expected to do any parameter validations.
Head Office Accounts : HO Accounts are used for accounting Inter-Bank, Inter Branch
and Clearing Transactions.( Eg: MT, TT)
Demand Draft Accounts : Under DDA Scheme Type, account used for handling issue
and payment of Demand drafts, Bankers Cheque, Pay order and Cashier Cheque
are opened.
On the above guideline the various office accounts have been parameterized in
finacle for RRBs as per list appended here :

CODE

OFFICE ACCOUNTS

0000003111505

UPLOAD CA A/C

000000UPL31111

UPLOAD CURRENT A/C INCLUDING OD

00000031117

CA-OD ACCTS WITHOUT PARTICULARS

000000UPL31113

UPLOAD A/C CALL DEP ON DEMAND FRROM PUBL

000000UPL31114

UPLOAD A/C - INOP. A/C 10YRS AND ABVE

0000003111405

INOP 10 YRS & ABOVE - MINI DEPOSIT

0000003111508

INOPERATIVE OTHERS - MINI DEPOSIT

0000003111402

INOPERATIVE OVER 10 YEARS DRAFT PAYABLE

0000003111407

INOP DFT PAY. 10 YRS. WITHOUT PARTICULAR

0000003111404

INOP. OVER 10 YRS. - R.T.C. PAYABLE

0000003111403

INOP. OVER 10 YRS. - GIFT CHEQUE PAYABLE

0000003111401

INOPERATIVE OVER 10 YEARS CASH ORDER

0000003111406

INOP.CASH ORDER 10 YR.WITHOUT PARTICULAR

0000003111408

INOP CASHORDER > 10 YRS WITH PARTICULARS

000000UPL31115

UPLOAD A/C INOPERATIVE OTHERS

0000003111502

INOPERATIVE OTHERS DRAFT PAYABLE

0000003111510

INOP DFT PAYABLE OTH. WITHOUT PARTICULAR

0000003111504

INOPERATIVE OTHERS - R.T.C. PAYABLE

0000003111512

INOPERATIVE RTC (OTHERS)

0000003111503

INOPERATIVE OTHERS - GIFT CHQUE PAYABLE

0000003111501

INOPERATIVE OTHERS CASH ORDER

0000003111509

INOP.CASH ORDER OTH. WITHOUT PARTICULARS

0000003111511

INOP CASH ORDER OTHERS WITH PARTICULARS

0000003171139

INTERMEDIARY INOP CASH ORDER A/C

01530000069

PNB BOND SERIES VI REDEMPTION OF BONDS

01530000070

PNB BONDS SERIES VI PAYMENT OF INTEREST

00000000078

PNB TIER-I PERPETUAL BONDS SERIES-I, PAY

000000UPL31116

UPLOAD A/C REFUND PAYABLE ACCOUNT

0000003111506

UPLOAD SB A/C

000000UPL31299

UPLOAD A/C - SAVINGS FUND

0000003111507

UPLOAD TERM DEPOSIT

0000003232417

MINI DEPOSIT BALANCES

000000UPL31311

UPLOAD A/C FIXED DEPOSITS

00000031118

NHB HOME LOAN - BALANCES A/C

000000UPL31312

UPLOAD A/C CASH CERTIFICATES

000000UPL31313

UPLOAD A/C - CERTIFICATE OF DEPOSITS

0000003131401

RECURRING DEPOSIT-ENBL

000000UPL31314

UPLOAD A/C - RECURRING DEPOSIT

0000003131402

FLEXI RD - PF DEDUCTION

000000UPL31315

UPLOAD A/C - NHB HOME LOAN DEPOSIT

000000UPL31316

UPLOAD A/CCALL DEP ON NOTICE FROM PUBLIC

000000UPL31411

UPLOAD A/C C/A OF SBI & ASSOCIATES

000000UPL31412

UPLOAD A/C C/A OF OTH. BANKS

000000UPL31414

UPLOAD A/C TERM DEP BANKS

0000003151101

BORROWING FROM RBI

000000UPL31511

UPLOAD A/C BORROWING FROM RBI

0000003152101

BORROWINGS FROM BANKS IN INDIA-SBI

000000UPL31521

UPLOAD A/C OD BORROW FROM BANKS

000000UPL31531

UPLOAD INTERBANK CALL MONEY

0000003156101

IDBI REINANCE - ARS

0000003156102

IDBI REFINANCE-NRS

0000003156103

SIDBI REFINANCE - ARS

0000003156104

SIDBI REFINANCE - NRS

0000003156105

IDBI BILL REDISCOUNTING

0000003156106

SIDBI BILL REDISCOUNTING

0000003156107

NABARD REFINANCE

0000003156108

NABARD BILLS REDISCOUNTING

0000003156109

EXIM BANK REFINANCE

0000003156110

EXIM BANK BILLS REDISCOUNTING

0000003156111

NHB REEFINANCE

0000003156112

BORR. INCLD CALL MONEY/SHORT NOTICE<14DA

0000003156113

BORR. OUTSIDE INDIA-PCFC

0000003156114

OVERDRAFT FROM BANKS OUTSIDE INDIA

0000003156115

BORROW-OTH INSTN.-PARTICIPATION CERTIFIC

0000003156116

LIC/UTI/GIC BILL REDISCOUNTING

000000UPL31561

UPLOAD A/C BORROWING FROM OTHER F.I.

0000003161101

CASH ORDER

0000003161102

UPLOAD CASHORDER

000000UPL31611

UPLOAD A/C CASH ORDER

0000003161201

GIFT CHEQUE PAYABLE

000000UPL31612

UPLOAD A/C GIFT CHEQUE PAYABLE

0000003161301

R.T.C. PAYABLE

000000UPL31613

UPLOAD A/C RUPEE TRAVELLER CHEQUE PAYABL

0000003161403

TELEGRAPHIC TRANSFER PAYABLE ACCOUNT

0000003161401

DRAFT PAYABLE

000000UPL31614

UPLOAD A/C DRAFT PAYABLE (CREDIT)

000000UPL58114

UPLOAD A/C DRAFTS PAYABLE IMPREST

0000003161404

TELEGRAPHIC TRANSFER PAYABLE A/C

0000003161421

LOCALIZED DRAFT PAYABLE ACCOUNT

0000005811401

DFT.PAYABLE IMP.A/C (WITHOUT PARTICULARS

0000003161411

DRAFT PAYABLE

0000003161402

ELECTRONIC FUND TRANSFER

000000UPL31615

UPLOAD A/C E.F.T. PAYABLE

0000003181601

SUNDRY PROVISION AGAINST SUSPENSE

0000003171101

SUNDRY DEPOSIT - MARGIN-LC/LG

0000003171102

SUNDRY DEPOSIT - MARGIN - ADVANCES

0000003171188

SUNDRY DEPOSIT-SCSS

0000003232432

SCSS COLLECTION A/C

0000003171103

SUNDRY DEPOSIT - GOVT. DUES

0000003171112

SUNDRY DEPOSIT - P.P.F.

0000003171122

SUNDRY FOCAL POINT (BRANCHES)

0000003171123

SUNDRY FOCAL POINT (OTHERS)

0000003171129

MIRROR A/C RBI/PSB SALES TAX

0000003171132

RBI NET A/C PPF CREDIT

0000003171130

MIRROR A/C WITH PDO RELIEF BOND

0000003171133

PPF COLLECTION ACCOUNT

0000003171134

CBDT COLLECTION A/C

0000003171135

CBEC COLLECTION ACCOUNT

0000003171136

SALES TAX COLLECTION ACCOUNT

0000003171137

RBI BOND COLLECTION A/C

0000003171152

DOCA COLLECTION A/C

0000003232418

TAX SAVING BOND-COLLECTION ACCOUNT

0000003232423

SAVINGS (TAXABLE) BOND COLLECTION ACCOUN

0000003171187

RGES COLLECTION ACCOUNT

0000003171231

ERROR CHALLAN TRANSACTION ACCOUNT

0000003171230

DAILY PARKING ACCOUNT FOR EXIM

0000003171232

ERROR CHALLAN COLECTION ACCOUNT

0000003171229

ERROR CHALLAN ACCOUNT

0000003171220

SUNDRY A/C FOR GOVT BUSINESS PURPOSE

0000003171219

SUNDRY ACCOUNT MCA 21

0000003171211

SUNDRIES-TAX DEDUCTED AT SOURCE BY BANK

0000003171202

ORANGE COLLECTION ACCOUNT

0000003171239

SUNDRY -CMS IMPREST A/C

0000003171259

SUNDRY KRISHI CARD

0000003171165A

RTGS -INTERBANK ACCOUNT

0000003171237

SUNDRY CORPORATE INTERNET BANKING A/C

0000003171238

SUNDRY A/C ATM-EBL

0000003171160

NON-CUSTOMER INTER-BRANCH FUNDS TRANSFER

0000003171158

SUNDRY-RCC

0000003171162

SUNDRY-SERVICE TAX ACCOUNT

00000031711331

PDC COLLECTION A/C

00000031711332

SUNDRY FD - REFUNDED TDS

0000003171165

RTGS - INTERBANK ACCOUNT

0000003171204

SUNDRY-ATM UNADJSTED ENTRIES

0000003171104

SUNDRY DEPOSIT - GENERAL

0000003171105

SUNDRY DEPOSIT - UNCLAIMED

0000003171106

SUNDRY DEPOSIT - F.D.

0000003171107

SUNDRY DEPOSIT - CLEARING

0000003171108A

SUNDRY DEPOSIT - T.D.S.

0000003171109

SUNDRY DEPOSIT - BILLS

0000003171110

SUNDRY DEPOSIT - FEX

0000003171111

SUNDRY DEPOSIT - CURRENCY CHEST

0000003171113

SUNDRY DEPOSIT - PENSION

0000003171114

SUNDRY DEPOSIT - DEFECTIVE NOTES

0000003171115

SUNDRY DEPOSIT - DEPOSITORY

0000003171117

SUNDRY ACCOUNT CONSOLIDATED

0000003171118

SUNDRY (INTEREST BEFORE TDS) ACCOUNT

0000003171119

SUNDRY (BC/DD) REALISATION A/C

0000003171108

SUNDRY DEPOSIT - TDS

000000UPL31711

UPLOAD A/C SUNDRY DEPOSIT

0000003171124

CONSOLIDATOR ACCOUNT -BILLS

0000003171131

MIRROR A/C RBI MUMBAI-PPF MAINT. CHARGES

0000003171138

SUNDRY DEPOSIT-MARGIN-LC/LG

0000003171149

CONSOLIDATOR A/C BILLS

0000003171151

SUNDRY ATM

0000003171193

BANKING CASH TRANSACTION TAX

0000003171140

SUNDRY OLD TDS RECORD

0000003171153

SUNDRIES BILLS-RCC

0000003171161

SUNDRY CORPORATE INTERNET BANKING A/C

0000003171155

SUNDRY LOCKERS

0000003171159

SUNDRY ATM (PAYMENT BY NON-FINACLE BR.)

0000003171156

SUNDRY -LINK CELL

0000003171222

CBEC FOCAL POINT CONSOLIDATION ACCOUNT

0000003171233

PPF AGENT COMMISSION ACCOUNT

0000003171223

SALES TAX FOCAL POINT CONSOLIDATION ACCT

0000003171221

CBDT FOCAL POINT CONSOLIDATION A/C

0000003171227

SALES TAX LINK CELL CONSOLIDATION ACCOUT

0000003171226

CBEC LINK CELL CONSOLIDATION ACCOUNT

0000003171225

CBDT LINK CELL CONSOLIDATION ACCOUNT

0000003171228

DOCA LINK CELL CONSOLIDATION ACCOUNT

0000003171224

DOCA FOCAL POINT CONSOLIDATION ACCOUNT

0000003171205

SUNDRY CORPORATE INTERNET BANKING ACCOUN

0000003171263

SUNDRY GOLD SOLD ACCOUNT

0000003171261

SUNDRY GOLD CUSTOM DUTY AC

0000003171262

SUNDRY GOLD SALES TAX/VAT ACC

0000003171209

SUNDRY INTERMEDIARY SHADOW BAL PARKING

0000003171210

SUNDRY RCC NON FIN BILL PARKING

0000003171116A

SUNDRY DEPOSIT - PROXY

0000003171116

SUNDRY DEPOSIT - PROXY A/C

000000UPL31712

UPLOAD A/C EMPLOYEES SECURITY DEPOSIT

0000003171370

INTT ACCRUED ON 1 CR TO 5 CR DEPOSITS

0000003171371

INTT ACCRUED ON ABOVE 5 CR DEPOSITS

0000003171368

INTT.PAID ON MIBOR DEPOSIT - INCOME

0000003171364

INTT ACCRUED ON PNB MAHA BACHAT

0000003171365

INT ACCRUED ON PNB MAHA BACHAT - INCOME

0000003171366

INTEREST ACCRUED ON FLOATING RATE FD

0000003171343

INTT ACC ON SPECTRUM-INCOME

0000003171342

INTT ACC ON SPECTRUM-MATURITY

0000003171301

INTEREST ACCRUED ON DEPOSIT - ORD.F.D.

0000003171302

INTT.ACCRUED ON DEPOSIT - ORD.FD.(NRE)

0000003171303

INTEREST ACCRUED ON ORD F.D. - NRO

0000003171304

INTEREST ACCRUED ON ORD. FD. FCNR

0000003171305

INTEREST ACCRUED ON DEPOSIT - SPL. FD

0000003171306

INTEREST ACC. ON DEPOSIT - SPL. FD NRE

0000003171307

INTEREST ACC. ON DEPOSIT - SPL FD NRO

0000003171308

INTEREST ACCR. ON DEPOSIT -SPL F.D. FCNR

0000003171309

INTEREST ACC. ON DEPOSIT - M.B.F.D.

0000003171310

INTEREST ACC. DEP. - M.B.F.D. -NRE

0000003171311

INTEREST ACCR. ON DEPOSIT - M.B.D.-NRO

0000003171312

INTEREST ACCRUED ON M.B.D. - FCNR

0000003171313

INTEREST ACCRUED ON M.B.D. - N.R.N.R.

0000003171314

INTEREST ACC. ON DEPOSIT - ANUPAM

0000003171315

INTEREST ACCRUED ON DEP. - SUGAM

0000003171316

INTEREST ACC. ON DEP. - V.A.Y.

0000003171317

INTEREST ACCRUED ON F.D. - CAPITAL GAIN

0000003171318

INTT. ACCRUED ON EMPLOYEES SECURITY DEP.

0000003171319

INTEREST ACCRUED ON MINI DEPOSIT

0000003171320

INTEREST ACCR ON RFCMB.C.

0000003171321

INTEREST ACCRUED - E.F.F.C.

0000003171322

INTEREST ACCRUED ON SAVING FUND

0000003171323

INTEREST ACCRUED ON S.F. - R.F.C.

0000003171324

INTEREST ACCRUED ON S.F.-N.R.E.

0000003171325

INTEREST ACCRUED ON S.F. - N.R.O.

0000003171326

INTEREST ACCRUED ON S.F. - CAPITAL GAINS

0000003171327

INTEREST ACCRUED - CASH CERTIFICATE

0000003171328

INTEREST ACCRUED ON DRI/CERT. OF DEPOSIT

0000003171329

INTEREST ACCRUED - N.H.B.

0000003171330

INTEREST ACCRUED - R.D.

0000003171331

INTEREST ACCURED - FLEXI R.D.

0000003171332

INTEREST ACCRUED - INTER BANK DEPOSIT

0000003171333

INTEREST ACCRUED - NRNR ORD

0000003171334

INTEREST ACCRUED - SPL FD - NRNR

0000003171336

INTEREST ACCRUED - MBFD - NRSR

0000003171337

INTEREST ACCRUED - ORDFD - NRSR

0000003171338

INTEREST ACCRUED - SPL FD - NRSR

0000003171339

INTT.ACC.ON DEP./BORROWINGS

000000UPL31713

UPLOAD A/C INT ACCRUED ON DEPOSIT

0000003171340

INTT ACCRUED ON MBRFC

0000003171341

INTT ACCRUED ON ORD RFC

0000003171357

INTT ACRD ON TAX SAVER-FD-INCOME

0000003171358

INTT ACRD ON TAX SAVER-FD-MATURITY

0000003181101

DISCOUNT PAYABLE TO FINANCIAL INSTITUTIO

000000UPL31811

UPLOAD A/C DISCOUNT PAYABLE TO F.I.

0000003181201

REBATE INTT.- INLAND BILLS

0000003181202

REBATE INTT.- FOREIGN BILLS

0000003181203

REBATE INT.-UNEXPIRED DISC-BG

000000UPL31812

UPLOAD A/C REBATE INT UNEXPIRED AMT.

0000003181301

INTEREST ON DUE DATE DEFAULTS

000000UPL31813

UPLOAD A/C INT ON DUE DATE DEFAULT

0000003181401

SUSPENDED INTEREST

000000UPL31814

UPLOAD A/C SUSPENDED INTEREST

0000003181505

SUN. PROVISION-NPA (AGRI. DEBT WAIVER)

0000003181506

SUN. PROVISION-NPA (AGRI. DEBT RELIEF)

0000003181501

SUNDARY PROVISION - PA

0000003181502

SUNDRY PROV.(NPA) BILLS PUR./DISCOUNTED

0000003181503

SUNDRY PROV.(NPA)-CC,OD,DL

0000003181504

SUNDRY PROV.(NPA)-TERM LOAN

000000UPL31815

UPLOAD A/C SUNDRY PROVISION NPA

0000003181602

SUNDRY PROVISION - OTHERS

000000UPL31816

UPLOAD A/C SUNDRY PROV. OTHERS

0000003181701

CLAIM RECD. FROM DICGC

000000UPL31817

UPLOAD A/C CLAIMS RECD.FROM DICGC

0000003181801

CLAIM RECEIVED FROM ECGC

000000UPL31818

UPLOAD A/C CLAIMS RECD FROM ECGC

0000003181901

AMOUNT RECEIVED FROM COURT RECEIVER

000000UPL31819

UPLOAD A/C AMT RECD FROM COURT

0000003182001

AMT RECD FROM INS CO/PER SETTLEMENT

000000UPL31820

UPLOAD A/C AMT RECD FROM INSURANCE COMP.

0000003182101

SUBSIDY RESERVE FUND A/C

000000UPL31821

UPLOAD A/C SUBSIDIES RESERVE FUND