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Clearing User Guide
Oracle FLEXCUBE Universal Banking
Release 12.0.2.0.0
Part No. E49740-01
October 2013
Clearing User Guide
October 2013
Oracle Financial Services Software Limited
Oracle Park
Off Western Express Highway
Goregaon (East)
Mumbai, Maharashtra 400 063
India
Worldwide Inquiries:
Phone: +91 22 6718 3000
Fax:+91 22 6718 3001
www.oracle.com/financialservices/
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Contents
1.
Preface ...................................................................................................... 1-1
1.1
1.2
1.3
1.4
1.5
1.6
2.
4.2
Introduction..............................................................................................................
4.1.1 Specifying Exchange Rate Variance ..........................................................
4.1.2 Maintaining Preferences for Clearing .........................................................
Processing Reversals .............................................................................................
4-1
4-2
4-3
4-7
Maintaining Account, Rate, and Charge Details ................................... 5-1
5.1
6.
Introduction.............................................................................................................. 3-1
3.1.1 Maintaining Clearing Details of your Bank.................................................. 3-2
3.1.2 Defining Sectors ......................................................................................... 3-2
3.1.3 Maintaining Clearing Details of Banks........................................................ 3-3
3.1.4 Maintaining Clearing Cut-off Time for the Branch ...................................... 3-5
3.1.5 Maintaining Clearing Cut-off Time for the Day ........................................... 3-6
3.1.6 Reversal of Cut-off time for Outward Clearing............................................ 3-8
3.1.7 Maintaining Cut Off Time for Inward Clearing Scan Pass or reject ............ 3-8
3.1.8 Viewing Inward Clearing Scan Pass Reject Cut off ................................. 3-10
3.1.9 Maintaining Branch cutoff for inward clearing Scan Pass/Reject ............. 3-10
3.1.10 Viewing Branch Cutoff for Inward Clearing Scan Pass/Reject ................ 3-11
3.1.11 Maintaining Clearing Houses and Clearing House Holidays .................... 3-13
3.1.12 Maintaining Clearing House Holidays....................................................... 3-14
3.1.13 Identifying End Point Details..................................................................... 3-15
Maintaining Clearing Products ............................................................... 4-1
4.1
5.
Introduction.............................................................................................................. 2-1
Maintaining Reference Information ........................................................ 3-1
3.1
4.
1-1
1-1
1-1
1-1
1-2
1-2
An Overview ............................................................................................. 2-1
2.1
3.
Introduction..............................................................................................................
Audience..................................................................................................................
Documentation Accessibility....................................................................................
Organization ............................................................................................................
Related Documents .................................................................................................
Glossary of Icons.....................................................................................................
Introduction..............................................................................................................
5.1.1 Indicating Offset Details .............................................................................
5.1.2 Indicating Transaction Details ....................................................................
5.1.3 Indicating Transaction Codes .....................................................................
5-1
5-4
5-5
5-5
Viewing Clearing Transactions .............................................................. 6-1
6.1
6.2
6.3
Introduction.............................................................................................................. 6-1
Querying the Clearing Transactions Summary ....................................................... 6-2
6.2.1 Maintaining Settlement Details ................................................................... 6-3
6.2.2 Resolving Customer Credits for Clearing Checks ...................................... 6-6
6.2.3 Levying Charges on Dishonored Cheque................................................... 6-8
Querying Clearing (Repair) Upload Summary ........................................................ 6-9
6.3.1 Inward Clearing of Instruments................................................................. 6-12
6.3.2 Validating Returned Outward Clearing Transaction ................................. 6-12
6.4
7.
Reports ..................................................................................................... 7-1
7.1
7.2
7.3
7.4
7.5
7.6
7.7
7.8
7.9
7.10
7.11
7.12
7.13
7.14
7.15
7.16
7.17
7.18
8.
Introduction.............................................................................................................. 7-1
Inward Clearing Extract Report ............................................................................... 7-1
7.2.1 Contents of the Report ............................................................................... 7-2
Inward Clearing Extract – Passed Entries ............................................................... 7-3
7.3.1 Contents of the Report ............................................................................... 7-3
Inward Clearing Extract - Failed Entries .................................................................. 7-4
7.4.1 Contents of the Report ............................................................................... 7-5
Inward Clearing Extract – Rejected Entries............................................................. 7-5
7.5.1 Contents of the Report ............................................................................... 7-6
Inward Clearing Extract – Forcefully Passed Entries .............................................. 7-7
7.6.1 Contents of the Report ............................................................................... 7-7
Inward Clearing Summary Report ........................................................................... 7-8
7.7.1 Contents of the Report ............................................................................. 7-10
Outward Clearing Failed Transactions Report ...................................................... 7-10
7.8.1 Contents of the Report ............................................................................. 7-12
Cheques Due for Realization Report..................................................................... 7-12
7.9.1 Contents of the Report ............................................................................. 7-14
Inward Clearing Cheque Reject Report................................................................. 7-14
7.10.1 Contents of the Report ............................................................................. 7-16
Outward Clearing Cheque Reject Report .............................................................. 7-17
7.11.1 Contents of the Report ............................................................................. 7-18
Outward Clearing Summary Report ...................................................................... 7-19
7.12.1 Contents of the Report ............................................................................. 7-20
Clearing Balance Summary Report ....................................................................... 7-21
7.13.1 Contents of the Report ............................................................................. 7-22
Liquidated Instrument Report ................................................................................ 7-23
7.14.1 Contents of the Report ............................................................................. 7-24
Instrument Issued Today Report ........................................................................... 7-24
7.15.1 Contents of the Report ............................................................................. 7-26
Outward Clearing Handoff Report ......................................................................... 7-27
7.16.1 Contents of the Report ............................................................................. 7-28
Float Extension Report .......................................................................................... 7-28
7.17.1 Contents of the Report ............................................................................. 7-29
On Us Transaction Report..................................................................................... 7-30
7.18.1 Contents of the Report ............................................................................. 7-31
Annexure I ................................................................................................ 8-1
8.1
9.
Clearing Batch Process (CGUPLOAD) ................................................................. 6-13
6.4.1 Provision for populating Clearing Upload: ................................................ 6-13
Order of Replacement of Parameters with Wild Card Entries ................................. 8-1
Annexure II ............................................................................................... 9-1
9.1
Different Currency Combinations- Rate Code and Rate Type Pickup..................... 9-1
10. Function ID Glossary ............................................................................. 10-1
1. Preface
1.1
Introduction
This manual is designed to help you quickly get acquainted with the Clearing module of
Oracle FLEXCUBE.
It provides an overview to the module, and provides information on using the clearing module
of Oracle FLEXCUBE.
You can further obtain information specific to a particular field by placing the cursor on the
relevant field and striking <F1> on the keyboard.
1.2
Audience
This manual is intended for the following User/User Roles:
1.3
Role
Function
Back office clerk
Input functions for contracts.
Back office managers/officers
Authorization functions.
Product Managers
Product definition and authorization.
End of day operators
Processing during end of day/ beginning of day.
Financial Controller / Product Managers
Generation of reports.
Documentation Accessibility
For information about Oracle's commitment to accessibility, visit the Oracle Accessibility
Program website at http://www.oracle.com/pls/topic/lookup?ctx=acc&id=docacc.
1.4
Organization
This manual is organized into the following chapters:
Chapter 1
About this Manual gives information on the intended audience. It also lists
the various chapters covered in this User Manual.
Chapter 2
An Overview - is a snapshot of the features that the module provides.
Chapter 3
Maintaining Reference Information gives information on basic information
that needs to be maintained in the system before beginning operations in
the clearing module.
Chapter 4
Maintaining Clearing Products describes how you can create a clearing
product.
Chapter 5
Maintaining Account, Rate and Charge Details -described in this chapter is
the procedure to set up accounting, rates and charges details for a clearing
product.
1-1
1.5
1.6
Chapter 6
Viewing Clearing Transactions gives details about maintaining settlement,
resolving customer credits for check clearance,charges for dishounoured
checks and querying clearing information.
Chapter 7
Reports provides a list of reports that can be generated in this module and
also explains their contents.
Chapter 8
Annexure I-gives information regarding order of replacement of parameters
with wild card entries
Chapter 9
Annexure II-gives information regarding different currency combinations
used for rate code and rate type pickup
Chapter 10
Function ID Glossary has alphabetical listing of Function/Screen ID's used
in the module with page references for quick navigation.
Related Documents

Procedures User Manual

Settlements User Manual

Products User Manual

Charges and Fees User Manual

Tax User Manual

Settlements User Manual

User Defined Fields User Manual
Glossary of Icons
Icons
Function
Exit
Add row
Delete row
Option List
1-2
2. An Overview
2.1
Introduction
The Clearing module of Oracle FLEXCUBE offers you the facility to process checks, DDs and
other instruments that are presented by your customers or clearing houses. Clearing
transactions, in Oracle FLEXCUBE, can be classified into two categories:

Inward Clearing transactions

Outward Clearing transactions
A third-party presenting an instrument drawn on your bank, through a clearing house, is an
example of an inward clearing transaction. Your customer presenting an instrument drawn on
another bank is an example of an outward clearing transaction.
2-1
3. Maintaining Reference Information
3.1
Introduction
In order to process clearing transactions automatically, you need to maintain some
information in Oracle FLEXCUBE:

Specify the code by which your bank is identified in the Clearing House and define a
Routing Mask for generation of routing numbers (as part of Bank-wide Parameters)

Maintain Sectors

Maintain details of banks participating in the Clearing House

Maintain clearing information for the branches of your bank (Branch Parameters)

Maintain Clearing Houses and Clearing House Holidays

Identify End Points and map them to the clearing houses maintained

Setup Outward and Inward Clearing Products

Specify account, rates, and charge details (ARC Maintenance)
Once you set up this information, the appropriate customer and clearing accounts maintained
in your bank will automatically be credited or debited, depending on the nature of the
transaction.
The sequence is represented diagrammatically as follows:
3-1
3.1.1
Maintaining Clearing Details of your Bank
For Oracle FLEXCUBE to handle clearing transactions, you have to capture clearing
information at the Head Office of your bank. This information would apply to all the branches
of your bank. You can maintain clearing-related information for your bank in the ‘Bank-wide
Parameters’ screen, invoked from the Application Browser.
In the Clearing Bank Code field, specify the code by which your bank is identified in the
Clearing Network you participate in. The code you specify for your bank in this screen has to
the same as that specified for your bank in the Clearing Bank Code Maintenance screen. In
addition to specifying the clearing code that identifies your bank, you have to specify a
“Routing Mask” for your bank. A mask defines the manner in which a Routing Number is
generated for your bank. It is on the basis of the routing number that Oracle FLEXCUBE
processes inward clearing transactions.
The following is a typical mask format: ‘BBBbbbSSS’, wherein, ‘BBB’ indicates the bank code,
‘bbb’ indicates the branch, and ‘SSS’ indicates the sector to which the branch belongs. On the
basis of the routing number, inward clearing transactions are routed to the appropriate branch
of your bank.
For more details about the Bank-wide Parameters screen, refer the Core Services user
manual.
3.1.2
Defining Sectors
In Oracle FLEXCUBE, you can identify specific geographical areas as ‘sectors’. A sector
encompasses the branches of the various banks in the geographical area.
As part of the maintenance required to process clearing transactions in Oracle FLEXCUBE,
you need to identify various sectors. You can do this in the ‘Sector Code Maintenance’ screen.
You can invoke this screen by typing ‘STDSECMN’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
3-2
Identify a sector with a unique code. In the Description field, briefly describe the sector that
you are maintaining. With the sector code and description that you enter, you should be able
to identify the sector.
Note
The sectors are typically maintained at the Head Office.
3.1.3
Maintaining Clearing Details of Banks
You have to capture clearing details of every bank participating in the Clearing Network in the
‘Clearing Bank Codes Maintenance’ screen. You can invoke this screen by typing
‘DEDBNKCD’ in the field at the top right corner of the Application tool bar and clicking on the
adjoining arrow button.
The information you capture in this screen is required to route outward clearing transactions
to the appropriate clearing house.
Every bank participating in the Clearing network is identified with a unique code. In this
screen, capture the code of the participating bank, and enter a brief description that will help
you easily identify the bank. You also have to capture the following information for every
branch of a participating bank:

The Branch Code (as identified in the network)

A brief description of the branch

The sector to which it belongs

The customer float days

The float days for bank and sector code combination

The branch address
Country
Specify the country of the bank code. This adjoining option list displays all valid country codes
maintained in the system. You can choose the appropriate one.
3-3
Note
The country information is captured to enable Mantas to analyze the transactions for possible money laundering activities.
For more details on Mantas, refer 'Mantas' interface document.
You can maintain different Float days for each bank and sector code combination.
Subsequently, you can also maintain float days for customers of each bank and sector
combination. The float days you define here will be defaulted in the Customer Float Days
maintenances screen.
Refer to the Core Entities user manual under section Maintaining Float Days for Outward
Clearing Customer Transactions for further details.
The system calculates the value date for the clearing transaction in the following manner:

Firstly, the system checks for the branch code for the clearing transaction, clearing
product, sector code, currency of the instrument and the float days for bank and
customer maintained in ARC maintenance.

Secondly, the system checks the maintenance for clearing bank, and if the details for
the destination sector code, bank code and branch code and float days (for both
customer and bank) is maintained, these values take precedence over the details in
ARC maintenance.

Finally, system verifies the details maintained in the Customer level float maintenance
for the clearing transaction, branch code, currency, sector code, clearing product code
and the customer group to which the customer belongs to and arrives at the float days
to calculate the value date.
After you maintain the above details for a branch, click ‘Add’ button to capture the details of
the next branch.
3.1.3.1
Maintaining Details of Branches of Your Bank
In this screen, in addition to capturing information relating to other banks, you have to
maintain clearing information for your bank and the branches of your bank.Capture the code
that identifies your bank in the Clearing Network. To every branch of your bank (the Branch
Codes maintained in Oracle FLEXCUBE), assign the code that identifies it at the Clearing
Network.
Note
The clearing bank code that identifies your bank at the Clearing Network should be the
same as that specified in the Bank Wide Parameters screen. Also, the branch code and
sector that identifies a branch at the Clearing Network should be the same as that specified
for the branch in the Branch Parameters screen.
3.1.3.2
Maintaining Clearing Details of Branch
To facilitate automatic clearing of instruments that involve your branch, you need to specify
clearing-related options for your branch. To do this, you can invoke the ‘Branch Parameters’
screen from the Application Browser.
In the Branch Code for Clearing field, indicate the code that identifies your branch in the
Clearing Network. The code you specify for your branch should be the same as that defined
in the Clearing Bank Code Maintenance screen. For your branch, you must also specify the
3-4
Sector Code, as specified in the Clearing Bank Code Maintenance screen. Finally, if clearing
transactions involving your branch must be routed through another branch, specify the Oracle
FLEXCUBE branch code of that branch in the Clearing through Branch field.
On the basis of the Routing Number Mask defined for your bank, and your specifications in
this screen, Oracle FLEXCUBE automatically generates the Routing Number for clearing
transactions involving your branch in the Routing Number field. This routing number is used
to resolve outward clearing transactions.
For example, if you (Westside Bank, Seattle branch) issue a Demand Draft (DD) that is
payable at an outstation branch of, say, Friendly Neighborhood Bank, Nashville, based on the
routing number, the DD, if presented at any other bank in Nashville, will be sent to Friendly
Neighborhood Bank for clearing and not your bank and branch.
For more details about the Branch Parameters screen, refer the Core Services user manual.
3.1.4
Maintaining Clearing Cut-off Time for the Branch
You can maintain the clearing cut-off time for the branch using the ‘Clearing Branch
Parameters Maintenance’ screen. You can invoke this screen by typing ‘CGDBRNPM’ in the
field at the top right corner of the application tool bar and clicking on the adjoining arrow
button.
Branch Code
System displays the current branch code here; however, you can select the branch code from
the adjoining option list.
Branch Name
System displays the selected branch name here.
Clearing Cut Off Time
Hour
Specify the clearing hour for the cut-off time in 24 hours clock.
3-5
Return Marking Cut-Off time hour is captured in 24 hour format.
Min
Specify the clearing minutes for the cut-off time.
Note
Time specified here will be the daily cut off time for the clearing transactions in the branch.
Transactions input after the specified time, will not be processed on the same day and will
take one additional day to arrive at the credit value date; however, you can manually reverse
the transaction to process it on the same day.
Return Marking Cut Off Time
Hour
Specify hours for the cut-off time of return marking of outward cheque in 24 hours clock.
Minute
Specify minutes for the cut-off time of return marking of outward cheque.
Note
Return marking is allowed in non-clearing branches until the return marking cut-off time
before the value date of the outward clearing transaction.
3.1.5
Maintaining Clearing Cut-off Time for the Day
You can maintain the clearing cut-off time for the current day of the branch using the ‘Clearing
cut-off time Maintenance’ screen. You can invoke this screen by typing ‘CGDLTCLG’ in the
field at the top right corner of the application tool bar and clicking on the adjoining arrow
button.
3-6
Branch Code
System displays the current branch code here. You can select the branch code from the
adjoining option list.
Branch Name
System displays the selected branch name here.
Current Date
System displays the current date here.
Click ‘P’ button to populates the clearing cut off time maintained in the ‘Clearing Branch
Parameter’ screen.
Clearing Cut Off time
Hour
Specify the clearing hour for the cut-off time in 24 hours clock.
Min
Specify the clearing minutes for the cut-off time.
Note
Time specified here will be applicable only for the current day cut off time for the clearing
transactions in the branch.
Click ‘P’ button to populate current date, clearing cut-off hour, and Minute maintained in the
‘Clearing Branch Parameters’ screen. If the cut off time has been advanced or extended for
the specific day, system will take the cut off time maintained here. If the cut off time is not
maintained here, then system considers the cut off time maintained at the branch level.
Return Marking Cut Off Time
Hour
Specify hours for the cut-off time of return marking of outward cheque in 24 hours clock.
Minute
Specify minutes for the cut-off time of return marking of outward cheque.
Note
–
Return marking is not allowed after the cut off time maintained.
–
If Return marking is maintained in Clearing Branch parameters and Late Clearing is
maintained for specific day, then the system takes the cut off time maintained for
the specific day.
–
If Return marking is not maintained in Late Clearing and is maintained for specific
day, then the system takes the cut off time from Clearing Branch parameters.
In non clearing branches return marking is allowed, until the return marking cut-off time and
before the value date of the outward clearing transaction.
3-7
3.1.6
Reversal of Cut-off time for Outward Clearing
The outward clearing transactions posted before and on the original cut-off time for the day
are processed as normal clearing transactions, while those posted after the original cut-off
time for the day would be processed as late clearing transactions.
Value Date of the Clearing Transactions Posted before the Original Cut-Off Time
The customer value date = Current date + customer float days arrived
The bank value date = current date + bank float days arrived
Value Date of the Clearing Transactions Posted after the Original Cut-Off Time
current date + customer float days arrived + bank float days arrived+ additional float day
However; if the cut-off time of any outward clearing transaction is extended or changed, you
can execute the clearing cut-off time revision batch, CGBCTREV, which is maintained as
Intraday Batch to process the reversal of cut-off time on existing transactions.
Note
The system will not prompt you to execute the batch
When the cut-off time for the day is changed at ‘Cut-off Time Maintenance’ level, the system
logs and stores the cut-off time change. CGBCTREV batch is run after the revision of the cutoff time for the day.
Note
Clearing cut-off time revision batch should be run before the new cut-off time. If the cut-off
revision batch is run after the new cut-off time, System would not reverse the cut-off for the
transactions.
In the CGBCTREV batch, the system will pick up all the late clearing transactions which are
processed between original cut-off time and the current cut-off time and reverse the cut-off
time for the clearing transaction.
The system will reverse the accounting entries for the original value date and book new
accounting entries with new value date.
Note
Cut-off time revision batch would not reverse cut-off time on the transactions which are
posted with late clearing product. i.e., with the clearing product with ‘late clearing’ option
set. Cut-off time can only be extended and it cannot be set to expired time.
The accounting entries for the original entry with the original value date would be reversed.
There would be a new accounting entry with the new value date.
3.1.7
Maintaining Cut Off Time for Inward Clearing Scan Pass or reject
The cut off time for inward clearing can be maintained in the Inward Clearing Scan Pass/
Reject cut-off Maintenance screen. You can invoke the ‘Inward Clearing Scan Pass/Reject
3-8
Cut-off’ screen by typing ‘CGDINWCT’ in the field at the top right corner of the Application tool
bar and clicking the adjoining arrow button.
Specify the following here:
End Point
Select the end points from the adjoining option list.
Description
The system defaults the description of the end point chosen.
Clearing Type
Select the inward clearing product type from the adjoining option list.
Description
The system displays the clearing product description.
Scan Pass to Fall Cutoff
Hour
Specify the hours of the cutoff time for the scan pass to reject.
Minutes
Specify the minutes of the cutoff time for the scan pass to reject.
Allow Scan reject to pass for Non-Clearing Branch
Check ‘Allow Scan Reject to Pass for Non-Clearing Branch’ to enable the scan reject to pass
option (Error/override to success) for non-clearing branches.
Note
–
If the cut off time is exceeded then the pass to reject will not be allowed for any
branch.
3-9
–
3.1.8
Cut off time can be overridden for a specific day through the Branch cut-off time for
Inward Clearing Maintenance screen.
Viewing Inward Clearing Scan Pass Reject Cut off
You can view the clearing cutoff scan pass /reject cut off time details in the Inward clearing
Scan Pass/Reject cutoff Summary screen. You can invoke this screen by typing ‘CGSINWCT’
in the field at the top right corner of the Application tool bar and clicking the adjoining arrow
button. CGSINWCT__SUMMARY
In the above screen, you can base your queries on any or all of the following parameters and
fetch records:

Authorization Status

Clearing Type

Record Status

End Point
Select any or all of the above parameters for a query and click ‘Search’ button. The records
meeting the selected criteria are displayed.
The system displays the following details pertaining to the fetched records:
3.1.9

Authorization Status

Record Status

Clearing type

End Point

Hours

Minutes
Maintaining Branch cutoff for inward clearing Scan Pass/Reject
You can override the cutoff time maintained for the end point and clearing type in the Branch
cutoff time for Inward clearing screen. You can invoke this screen by typing ‘CGDBRNCT’ in
3-10
the field at the top right corner of the Application tool bar and clicking the adjoining arrow
button.
Specify the following here:
Branch code
Select the branch code from the adjoining option list.
End Point
Select the end point from the adjoining option list.
Description
The system displays the description of the end point chosen.
Posting Date
The system displays the current date of the branch.
Clearing Type
Select the clearing type from the adjoining option list.
Description
The system displays the clearing product description.
Scan Pass to Fall Cutoff
Hour
Specify the hours of the cutoff time for the scan pass to reject.
Minutes
Specify the minutes of the cutoff time for the scan pass to reject.
3.1.10
Viewing Branch Cutoff for Inward Clearing Scan Pass/Reject
You can view the branch cutoff for inward clearing scan pass /reject in the Inward Clearing
Scan Pass/Reject Branch Cutoff Summary screen. You can invoke this screen by typing
3-11
‘CGSBRNCT’ in the field at the top right corner of the Application tool bar and clicking the
adjoining arrow button.
In the above screen, you can base your queries on any or all of the following parameters and
fetch records:

Authorization Status

Clearing Type

Branch Code

Record Status

End Point
Select any or all of the above parameters for a query and click ‘Search’ button. The records
meeting the selected criteria are displayed.
The system displays the following details pertaining to the fetched records:

Authorization Status

Record Status

Clearing type

End Point

Hours

Minutes

Branch Code
Note
–
If the current time of the transaction is greater than the cut-off time maintained for
the clearing type and end point then the system displays an error message as “Scan
Pass to Reject of the transaction cannot be performed for the day”.
–
In order to process pass to reject status should be chosen to dishonour return and
the reject code should be provided. This operation is supported in Cheque return
(6560), Query Clearing Upload (CGDCLGDT) & Interface Clearing Details
(IFDCLGDT) screens.
–
Cutoff time for the validation is in the below order:
3-12
3.1.11
–
Scan Pass to Reject cut-off time maintained at the Branch Cut-off time
(CGDBRNCT) for Scan Pass/Reject of Inward Clearing for the clearing type and
end point of the transaction being processed.
–
Scan Pass to Reject cut-off time maintained at the Cut-off time for Scan Pass/Reject
of Inward Clearing (CGINWCT) for the clearing type and end point of the transaction
being processed.
–
In order to process Reject to Pass status should be chosen from error/override to
success. The Query Clearing Upload (CGDCLGDT) and Interface Clearing Details
(IFDCLGDT) are supported for this operation.
–
If the processing branch is non-clearing branch and if ‘Allow Scan Reject to Pass’
is not chosen for the clearing type and end point of the clearing transaction then the
system displays an error as message “Scan Reject to Pass not allowed for the
branch.”
Maintaining Clearing Houses and Clearing House Holidays
In the ‘Clearing House Maintenance’ screen, invoked from the Application Browser, you have
to maintain the clearing houses your bank participates in. You can invoke this screen by
typing ‘STDCLDMT’ in the field at the top right corner of the Application tool bar and clicking
on the adjoining arrow button.
Identify every Clearing House you participate in with a unique code. In the Description field,
briefly capture the details of the Clearing House. The Clearing House Code and Description
you enter should help you easily identify a clearing house. Additionally, specify a SWIFT code
for the clearing house. In order to process MT306, MT340, MT 360 and MT361 you need to
maintain the following codes as SWIFT Codes for the field 29H, 29E and 22B:

EUTA - Target

LKCO – Colombo

PKKA - Karachi

ROBU - Bucharest

TRIS - Istanbul
3-13

3.1.12
VNHA - Hanoi
Maintaining Clearing House Holidays
In the Clearing House Holidays Calendar Maintenance screen, invoked from the Application
Browser, you can identify the holidays for the various clearing houses maintained at your
bank. You can invoke this screen by typing ‘STDCLHOL’ in the field at the top right corner of
the Application tool bar and clicking on the adjoining arrow button.
In the Clearing House field, specify the clearing house for which you are maintaining holiday
details.
The dates on the calendar are marked in black and red. The dates you mark in black are
“working days” and dates you mark in red are “holidays”. Click on a date to change its color.
Note
Clearing Houses and Clearing House Holidays are typically maintained at the Head Office.
Refer the chapter ‘Maintaining Clearing Holidays ‘ in the Core Services User Manual for
details about this screen.
3-14
3.1.13
Identifying End Point Details
In Oracle FLEXCUBE, clearing houses are also referred to as end points. To facilitate errorfree processing of clearing transactions, you need to maintain end point details and map an
end point to a clearing house. Invoke the End Point Details screen from the Application
Browser to maintain end point details.
You can invoke this screen by typing ‘STDENDMT’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
In this screen, you achieve two things:

Identify an end point with a unique code and description

“Map” every End Point you are maintaining with a Clearing House
Enter a unique code and a brief description to identify an end point (in other words, a clearing
house).
Note
In Oracle FLEXCUBE, a nine-digit number identifies end points and a three-digit number
identifies clearing houses. By mapping an end point to a clearing house, you identify the
end point captured at the branch as a valid clearing house maintained in Oracle FLEXCUBE.
3-15
4. Maintaining Clearing Products
4.1
Introduction
In this chapter, we shall discuss the manner in which you can define attributes specific to a
Clearing (CG) product.
You can create a clearing product in the ‘CG Product Definition’ screen. You can invoke this
screen by typing ‘CLDFNPRD’ in the field at the top right corner of the Application tool bar and
clicking on the adjoining arrow button.
In this screen, you can enter basic information relating to a clearing product such as the
Product Code, the Description, etc.
The advantages of defining a product
Let us consider the steps involved in processing an outward clearing transaction (for example,
your customer presents a check drawn on another bank) at your bank. Your specifications
would include the following:

The Code of the bank on which the instrument is drawn (as identified in the Clearing
Network)

The Code of the branch on which the instrument is drawn (as identified in the Clearing
Network)

The Clearing Network through which the instrument has been routed

The Floating Days to calculate the booking date for the bank leg of the transaction

The Floating Days to calculate the booking date for the customer leg

The Exchange Rate applicable, etc.
If you process a thousand such outward clearing transactions in a day, you would need to
repeat these operations as many times. By defining outward clearing transactions as a
product in Oracle FLEXCUBE, and defining standard attributes for it, you can simplify the task
of processing clearing transactions.
Every time you process a clearing transaction under a product, Oracle FLEXCUBE
automatically applies the attributes defined for the product.
4-1
However, if required, you can change the inherited attributes at the time of processing.
For any product you create in Oracle FLEXCUBE, you can define generic attributes, such as
branch, currency, and customer restrictions, interest details, tax details, etc., by clicking on
the appropriate icon in this screen. For a loans product, in addition to these generic attributes,
you can specifically define other attributes. These attributes are discussed in detail in this
chapter.
You can define the attributes specific to a loans product in the CG Product Definition Main
screen and the CG Product Preferences screen. In these screens, you can specify the
product type and set the product preferences respectively.
For further information on the generic attributes that you can define for a product, please refer
to the Product Definition User Manual under Modularity.
Product Type
A product you are creating can belong to either of the following categories:

‘IC’ for inward clearing of checks

‘ID’ for inward clearing of DDs

‘OC’ for Outward Clearing
These product categories are referred to as product types. When you create a product, you
must specify its ‘type’.
4.1.1
Specifying Exchange Rate Variance
A clearing transaction may involve a currency conversion. For such transactions, the rate
corresponding to the Rate Type that you specify for the product will be picked up. (Cash rate,
Standard Rate, Spot Rate, etc., are examples of Rate Types). When processing a transaction,
the rate value that is picked up can be changed.
You can define the limits within which this change can be made, as follows:
4-2
Normal variance
The rate variance can exceed the rate maintained for the Rate Type by the value you specify
here (normal variance). In such a case, the system prompts the user with an override
message before the contract is saved.
Maximum variance
For transactions involving the product, the exchange rate variance cannot exceed the rate
corresponding to the Rate type by this value (Maximum Variance). If the rate that is input
exceeds the maximum variance defined, the system will not allow storing of the contract.
4.1.2
Maintaining Preferences for Clearing
You can maintain preferences for clearing through the Preferences screen. To invoke this
screen, click ‘Preferences’ button in the ‘Clearing Product Definition’ screen. The screen
appears as shown below: CLDFNPRD__CVS_PREF
Referral Required
Referral refers to the process of handling customer transactions, which force the accounts
involved in such a transaction to exceed the overdraft limit. Clearing transactions can force
an account to move into overdraft. While maintaining the details of a Clearing product you can
indicate whether transactions involving the product need to be considered for referral checks.
Enabling this option indicates whether the product needs to be considered for referral.
If a product is marked for referral, the details of transactions resulting in the account (involved
in the transaction) moving into Overdraft will be sent to the Referral Queue.
Note
If a clearing transaction breaches the limits, the details of all transactions processed during
the day will also be moved to the Posted Entries section in the Referral Queue. You can
choose to accept or reject the transactions. The details of the transaction which has
breached the limits will be displayed in the Unposted Entries section of the queue.
For further details on Referrals refer to the Processing Referrals in Oracle FLEXCUBE
chapter of the Core Entities manual.
Defer Liquidation
Check this box to defer liquidation of the selected clearing product.
4-3
Defer liquidation is applicable for outward Clearing products. If Defer liquidation sets to Y,
System supports Stage wise accounting
Indicating requirement for Referral
Clearing transactions can force an account to move into overdraft. You can indicate whether
inward clearing transactions involving the product need to be considered for referral checks
for exceeding their overdraft limit. Check this option to indicate that referral is required.
Consolidation Required
This field is enabled only for inward clearing products. Check this option to indicate
consolidation for all transactions for a customer in an inward clearing batch, is required. Any
inward clearing product which has Consolidation Required enabled, cannot be selected for a
manual clearing entry.
Insufficient Funds Reversal
This field is enabled only for inward clearing products. The Transaction Code is used to
reverse the accounting entry if an individual clearing transaction is reversed from the Referral
Queue due to insufficient funds. Specify a Transaction Code for reversal. If the Transaction
Code is left blank, the Transaction Code of the original clearing entry will be used for reversal.
CASA Reversal
This field is enabled only for inward clearing products. The Transaction Code is used to
reverse the accounting entry if an individual clearing transaction is reversed due to any CASA
error. Specify a Transaction Code for CASA reversal. If the Transaction Code is left blank, the
Transaction Code of the original clearing entry will be used for reversal.
Only those Transaction Codes which have Cheque Mandatory set as ‘NO’ in the Transaction
Code Maintenance screen, will appear for selection.
Consolidation Transaction Code
You need to specify the Transaction Code required for passing a consolidated clearing entry.
The same Transaction Code should be maintained with Cheque Mandatory option as ‘No’, in
the Transaction Code Maintenance screen.
Dispatch Days
Specify the number of days to be used to calculate the dispatch days from the booking date.
System uses the local currency calendar to compute the dispatch days from the date of
deposit.
For example, if the dispatch days is given as 1 system fires DCLG on the next Local currency
working day. In case that day is a local holiday, then the event is fired on the next business
date.
Liquidation Days
Specify the number of days to be used to calculate the liquidation days from the booking date.
System uses the local currency calendar to compute the liquidation days from the date of
deposit.
For example, if the liquidation day is given as 2, the system fires LIQD after 2 Local currency
working days. In case that day is a local holiday, then the event is fired on the next business
date.
4-4
4.1.2.1
Role to Head Mapping Screen
You can maintain accounting roles for clearing products through the Role to Head mapping
screen. To invoke this screen, click ‘Role to Head’ button in the ‘Clearing Product Definition’
screen. The screen appears as shown below:
The following accounting roles can be maintained:

CONT_ACCNT_DUE - Contingent Account Due

CONT_ACCNT_PAY - Contingent Account Payable

CLRNG_ACCOUNT- Clearing Account

CLRNG_OFS_ACCOUNT -Clearing Offset Account
The following amount tags can be maintained:
4.1.2.2

TXN_AMOUNT - Cheque Amount

OFS_AMOUNT - Cheque Amount
Events
You can maintain the events for clearing through the Events screen. To invoke this screen,
click ‘Events’ button in the ‘Clearing Product Definition’ screen.
4-5
The screen appears as shown below:
The following events are maintained:

INIT - Deposit of Cheque

DCLG - Dispatch to Clearing

LIQD - Liquidation of Cheque
The CGBEOD batch is run for outward clearing to handle the accounting entries on Day 1 and
Day 2. The batch is setup to run at the End of Transaction Input Stage to process eligible
clearing contracts.
The system fires INIT event and passes the accounting entries based on the product setup
and marks the status of the contracts as “Deposited” in case of deferred liquidation, This
happens online during contract booking itself.
The system fires DCLG event and marks the status as “Dispatched” on the day of dispatch
(Book Date + Number of Dispatch days),
The system automatically liquidates all the contracts which are in “Dispatched” status on
Liquidation date (Book Date + Liquidation Days), On Liquidation Date the system reverses the
accounting entries passed for INIT and DCLG events, i.e. it passes the REVR event,
accounting entries and LIQD event, accounting entries and marks the status as ‘Liquidated’.
The system picks up the accounting entries setup for the events INIT and DCLG from Clearing
Product and LIQD from ARC Maintenance.
For further information on Accounting Entries and Advices, please refer to the Product
Definition User Manual under Modularity.
4-6
4.2
Processing Reversals
Reversal of individual clearing entries will be processed automatically by the system in case
of any CASA related errors or any other error while processing the individual instruments. The
CASA Reversal Transaction Code specified in the Clearing Product Preferences screen will
be used for reversal due to CASA errors. If this Transaction Code is not maintained, the
Transaction Code used for passing the consolidated clearing entry (of which this instrument
was a part) will be used for reversal. The individual transaction will be marked as rejected in
this case.
In case the Force Posting option has been checked in the Interface Clearing Details screen,
and an individual transaction is posted to a referral queue because of insufficient funds (if the
Referral option is checked in the Clearing Product Definition screen and the Customer
Account Maintenance screen), you will have to manually reverse or accept the clearing
transaction. In such a case, the individual clearing transaction will be marked as success.
In case a reversal needs to be done for a transaction which was part of the consolidated
clearing process, the transaction will be reversed using the Insufficient Funds Reversal
Transaction Code maintained in the Clearing Product Preference screen. In case the
Transaction Code is not maintained, the Transaction Code used for passing the consolidated
clearing entry (of which this instrument was a part) will be used for reversal. Charge entries,
if any, will also be reversed using the Transaction Code of the individual clearing transaction.
In case of any other error the individual clearing transaction will be marked as rejected and
the transaction will be reversed using Transaction Code used for passing the Consolidated
Clearing Entry of which this instrument was a part.
Rejected transactions can be reprocessed as usual. Consolidated Clearing Entry will not be
passed while reprocessing rejected transactions.
The values of Insufficient Funds Reversal Transaction Code and the CASA Reversal
Transaction Code can be specified in the Clearing Product Preference screen. These fields
are applicable only for Inward Clearing products only.
Each individual transaction (Upload table) will be marked with the Reference Number
generated for passing the Consolidated Clearing Entry and an option indicating whether
reversal has been done or not.
4-7
5. Maintaining Account, Rate, and Charge Details
5.1
Introduction
Once you have captured the basic information required for processing clearing transactions
in Oracle FLEXCUBE, you have to maintain information that would be required to process
clearing transactions involving a specific product. In the Account, Rate, and Charge (ARC)
Maintenance screen, you have to maintain information that will be used to:

Route transactions belonging to a specific product, branch and currency combination to
a specific Clearing House/Sector Code

Post accounting entries generated by clearing transactions involving a specific product
to specific accounts

Calculate and apply the specified charges
The ARC Maintenance screen can be accessed from the Application Browser. You can
invoke this screen by typing ‘IFDATMMN’ in the field at the top right corner of the Application
tool bar and clicking on the adjoining arrow button.
In the ARC Maintenance screen, you primarily define parameters for processing clearing
transactions involving a specific product, currency, and branch combination, and involving a
specific Clearing House (in case of an inward clearing transaction) or a Sector (in case of an
outward transaction). Towards this, you must specify the following details:

The details of accounts or GL’s to which offset accounting entries should be posted.
(Typically, you would post the accounting entries generated by transactions involving a
specific clearing house to an account or GL maintained for the purpose.)

The details of any charges that your bank would need to collect or levy, for the clearing
service.
5-1
If you are maintaining ARC details for a product and a specific clearing house/sector, the
details maintained in this screen will be used for posting entries generated by clearing
transactions involving the product, clearing house/sector, branch and currency code
combination.
Note
You must maintain ARC details for all possible combinations of products, currencies,
branches, and clearing houses/sectors.
Product
In the ARC Maintenance screen, you have to first of all indicate the clearing product for which
you are maintaining ARC details.
Transaction Type
Specify the type of transaction for the ARC maintenance. This adjoining option list displays all
valid transaction types maintained in the system. You can choose the appropriate one.
Currency
ARC details are maintained for a product, branch, currency, and clearing house combination.
Indicate the currency of the combination in the currency field.
Branch
The ARC record is maintained for a Branch + Product + Type + Ccy.
Account Class/Product
ARC record can be maintained for a Module specific Product Combination or for a specific
Account Class level.
Note
The ARC pickup is based on Customer Group code in addition to branch- product-customer-transaction currency and customer. If an ARC record is not maintained at a branchproduct-customer-currency level, system checks the ARC record for branch-product-customer group-currency before doing a wild card search.
The order of replacement of the parameters with wild card entries will be done based on the
following order:

Branch

Product

Transaction Currency

Transaction Type
Customer Group
Specify the customer group to define charges. This adjoining option list displays all valid
customer groups of type charge maintained in the system. You can choose the appropriate
one. Input to this field is mandatory.
Account Class Group
Select the account class group from the adjoining option list.
5-2
Note
If ARC is maintained for an account class group, then the charges computed is applicable
for all the account classes defined under that account class group,
The ARC resolution logic is as below:
Sequen
ce
Accou
nt
Class
Group
Branch
Product
Currenc
y
Custome
r Group
Transactio
n Type
1
Specific
Specific
Specific
Specific
Specific
Specific
2
Specific
*.*
Specific
Specific
Specific
Specific
3
Specific
Specific
Specific
*.*
Specific
Specific
4
Specific
Specific
Specific
Specific
*.*
Specific
5
Specific
Specific
Specific
Specific
Specific
*.*
6
Specific
*.*
Specific
*.*
Specific
Specific
7
Specific
*.*
Specific
Specific
*.*
Specific
8
Specific
*.*
Specific
Specific
Specific
*.*
9
Specific
Specific
Specific
*.*
*.*
Specific
10
Specific
Specific
Specific
*.*
Specific
*.*
11
Specific
*.*
Specific
*.*
*.*
Specific
12
Specific
*.*
Specific
*.*
Specific
*.*
13
Specific
*.*
Specific
Specific
*.*
*.*
14
Specific
Specific
Specific
*.*
*.*
*.*
15
Specific
*.*
Specific
*.*
*.*
*.*
16
*.*
Specific
Specific
Specific
Specific
Specific
17
*.*
*.*
Specific
Specific
Specific
Specific
18
*.*
Specific
Specific
*.*
Specific
Specific
19
*.*
Specific
Specific
Specific
*.*
Specific
20
*.*
Specific
Specific
Specific
Specific
*.*
21
*.*
*.*
Specific
*.*
Specific
Specific
22
*.*
*.*
Specific
Specific
*.*
Specific
5-3
5.1.1
23
*.*
*.*
Specific
Specific
Specific
*.*
24
*.*
Specific
Specific
*.*
*.*
Specific
25
*.*
Specific
Specific
*.*
Specific
*.*
26
*.*
*.*
Specific
*.*
*.*
Specific
27
*.*
*.*
Specific
*.*
Specific
*.*
28
*.*
*.*
Specific
Specific
*.*
*.*
29
*.*
Specific
Specific
*.*
*.*
*.*
30
*.*
*.*
Specific
*.*
*.*
*.*
Indicating Offset Details
You can indicate the offset currency to be used for processing FX contracts involving different
currency combinations. Exchange rate for the contract is based on the rate code and type
defined for the currency combination in the Retail Teller product definition, Product preference
screen. Based on the transaction currencies chosen and the exchange rate defined for the
currency combination, the system will pass the relevant accounting entries.
Note
The Offset currency field will be enabled for all products and not for account classes.
The ARC pickup in branch and host will be based on offset currency in addition to branch,
product, transaction currency, customer and customer group. The order of replacement of the
parameters with wild card entries is done in the following order:

Branch

Product

Offset currency

Transaction Currency

Allowed Value
For FX transactions, the second currency from FX screens is used as offset currency for ARC
pickup. For RT transactions, offset currency will also be used for ARC pickup.
The order of replacement of the parameters with the wild card entries will be as per the matrix
given in the Annexure I.
The Rate code and type pickup in branch and host for the Retail transactions will be from the
product preferences for the currencies involved in the transaction. If a record is not maintained
for the given product and specific currency combination, the system will check for the currency
combinations given in Annexure II. If no record is found for all the given combinations, the
system will pickup the rate code and type from the product definition.
Indicating the Offset Details
You can specify the branch and the offset account or GL into which offset entries are to be
booked. In case of an inward clearing transaction, this would typically be the Liability GL for
Inward Checks to which the credit entries would be posted. (The customer account would be
debited.) In case of an outward clearing transaction, this would be the Liability GL maintained
5-4
for Outward Checks to which the debit entries would be posted. (The customer, in this case,
would be credited.)
5.1.2
Indicating Transaction Details
You can specify the branch and the account number in which the transaction is taking place.
The account in this field is the customer account. In case of inward clearing transactions, this
account number would be available on upload of clearing transactions.
5.1.3
Indicating Transaction Codes
A unique Transaction Code identifies all transactions in Oracle FLEXCUBE. As part of ARC
maintenance, you can indicate the offset transaction code and the main transaction code. You
have to choose a transaction code for which the status of the option ‘Cheque Mandatory’ is
checked at the definition. By this, the system can track the used cheques.
End Point
If you are maintaining ARC details for an outward clearing type product, you should specify
the branch, the currency, and the sector code that are part of the combination. In addition, you
should specify the end point (or clearing house) to which branches in this sector report to and
the bank and customer float days.
If you are maintaining ARC details for an inward clearing type product, you should specify the
branch, currency, and end points that form part of the combination.
From the pick list available in the Clearing House field, specify the Clearing House for which
you are maintaining ARC details.
Clearing Houses are also referred to as End Point Codes in Oracle FLEXCUBE. Select the
End Point Code of the Clearing House in the End Point field.
Generate MT101
Check this box to generate MT101.
Bank and the Customer Float Days
“Float days,” indicate the number of days that are added to the booking date of an outward
clearing transaction to arrive at its value date (that is, the day on which an account is actually
debited or credited with funds). As part of the ARC Maintenance for a transaction type, you
have to indicate the Bank and Customer Float days.
The term “bank float days” refers to the days that will be used to calculate the value date of
the bank leg of a transaction. The term “customer float days” refers to the days that will be
used to calculate the value date of the customer leg of a transaction. The following example
illustrates the implications.
If you have maintained float days, the system will validate the Clearing House Holiday
Maintenance also.
Note
You can choose to maintain an ARC Wildcard record for a Branch, Currency and Customer combination or for any one or more of these entities. Ensure that the wildcard symbol
that you are using is a *.
Float Days Basis
Float days applicable for outward clearing customer transactions are defined through the
Customer Float Days Maintenance screen. The float days can either be considered as:
5-5

Calendar days – indicating that the float days will not be dependent on any holiday
maintenance.

Working days - indicating that the float days will be based on the clearing house
calendar and they will be working days on the basis of clearing house calendar.
You can select the appropriate option, which will be used to arrive at the value date for
outward clearing customer transactions.
For details about defining float days for a customer or customer group, refer the Core Entities
user manual.
Charge Debit Account
You can choose the charge debit account from the adjoining drop-down list. The available
options are:

Offset Account

Transaction Account
Netting Charges
You have the option to net the accounting entries for the debit leg of the charges along with
the main transaction entries.
Check this box to indicate that the debit leg of the charges is to be netted before passing the
accounting entries. Leave the box unchecked to pass the entries without netting the charges
of the debit leg.
Main Offset Accounting Entries Required
If this box is checked, the system will pass the main accounting entries along with charges
defined at ARC for a Product. Otherwise only the charges accounting entries defined for the
product will be passed which is used for online charge collection.
Note
When RT products are used for On-line charge definition (STDCHGMN), then this check
box has to be unchecked.
Generate Transaction Advice
5.1.3.1
Whether an Advice needs to be generated for the Transaction (redundant for J2EEBranch,
might still be used for other Interfaces). Indicating Service Charges for Inter-branch
Transactions
In a transaction, if the account branch of the teller transaction is different from the transaction
branch, then charges maintained by inter-branch product will be applied to the transaction.
If you select the IB transaction as 'Yes' for a RT product at ARC, the system picks up and
process the charge entries as maintained.
If you select the IB transaction as 'NO' for a RT product at ARC, then the charges maintained
in non-ib product are applied to the transaction.
IB Transaction
Check this box if you want the system to pick up the product, for inter-branch transactions.
You will notice the difference in the service charges processed for two transactions with same
kind of product.
5-6
Note
This will be supported for Cash Deposit (1401), Cash Withdrawal (1001) and Account to
Account Transfer (1006)
5.1.3.2
Indicating Exchange Rate Revaluation
You can specify the following details:
Profit Revaluation GL
Specify the profit revaluation GL details.
Loss Revaluation GL
Specify the loss revaluation GL details.
5.1.3.3
Defining Charge Details
You can define a maximum of five charges. A charge can be computed based either on the
transaction amount or on an earlier charge amount
As part of defining the Charge details for each charge, you need to capture the following
details:
Charge Type
The Charge Type that should be applied on the transaction. It could either be a Percentage
of the transaction amount or a Flat Charge.
Slab Type
Whether the Charge computation has to be over different Amount Slabs or Tiers (0-100 @
10, 101-500 @ 15 etc.).
Basis
You can indicate the basis amount on which the charge is to be computed.
Since
you
can‘Transaction
maintain five
different
amounts,
the
basisamounts.
amount that
you
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aredefining
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Charge
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While
Charge
2
you
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either
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or
Charge
1
as
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basis.
Similarly
while
defining
Charge
3,
you
can
choose
the
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Charge
1closure
or Charge
2 asproduct.
the basis.
NUM-ACC=OPN-DAYS'
is type
usedshould
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define theas
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Slab
be
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"SLAB”.
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will check
slab for charges to be collected based on the Number of
days account
kept open
by thethe
customer.Currency
You can indicate the currency in which the charge amount would be expressed. If the
transaction currency is different from the charge currency, a conversion would be done, using
the rate code and rate type that you specify for each charge.
Their Charges
For outward clearing checks, you can indicate whether the charge is being collected on behalf
of the collecting bank. If you set this option, you need not specify the charge account. Since
the charge amount would not known upfront, you need not specify the amount either
Charge Debit Account
Select the charge debit account into which charge related entries are to be posted from the
adjoining option list.
Note
–
If charge debit account is maintained at both ARC and charge level with different
values, the system will take precedence of the charge debit account at the charge
level to debit the charges.The charge debit account can either be "TXN_ACC" or
"OFS_ACC" or GL's (Income or Expense)
5-7
–
If netting charge is checked at ARC level, charge debit account should be maintained at ARC level. This charge debit account and charge credit account is used
when bank has to remit tax on income they receive as part of each and every RT
transactions.
Charge Credit Account
Select the charge credit account from the adjoining option list. The other leg of the charge is
posted to a GL, as specified in the ARC record.
For example,
To collect tax from the income received will be as follows:
For cash deposit transactions, bank wants to collect a charge of 5% on the transaction
amount (inclusive of tax). The bank has to remit Tax @ 9.090909% of gross charge collected
from the income GL.
The ARC maintenance can be done as follows to achieve the same:
Charge 1:
Charge Basis: Transaction Amount
% Charge: 5 %
Charge Debit Account: Transaction Account
Charge Credit Account: Income GL (say INC00001)
Charge 2:
Charge Basis: Charge 1
% Charge: 9.090909%
Charge Debit Account: Income GL (INC00001)
Charge Credit Account: Tax Payable GL (say PAYB0001)
For a cash deposit of USD 1000 in account CASA0001, the gross charge (inclusive of tax) will
be USD 50 and Tax will be 4.55 after rounding.
The accounting entries for the maintained ARC will be as below:
DR
CASH GL USD
1000
CR
CASA0001
USD
1000
DR
CASA0001
USD
50
CR
INC00001USD
50
DR
INC00001USD
4.55
CR
PAYB0001
USD
4.55
Netting Charge
If two or more accounting entries, for the same event, are to be passed to the same account,
on the same Transaction Date, these entries can be netted. You can choose to net charges
by choosing this option.
5-8
Transaction Code
You can indicate the code using which the accounting entries would be booked, for each
charge.
Rate Code and Rate Type
While settling charges for cross currency transactions, you can choose to debit the customer
by applying the mid rate, buy rate or by using the buy/sell spread over the mid-rate. Therefore,
you need to specify the Exchange Rate details for each ARC definition record that you
maintain in the system.
Firstly, indicate the Rate Code for which different rates can be maintained. A list of all the rate
codes maintained in the Floating Rates Maintenance screen is displayed in the list. You can
choose the appropriate code.
In addition to specifying the Rate Code, you have to indicate the Rate Type which should be
picked up for exchange rate conversions involving settlement of charges for cross currency
transactions. You can maintain any one of the following as the Rate Type:

Buy

Mid

Sell
After identifying the Rate Code and Rate Type you can indicate the basis amount on which
charges are to be computed.
Amount
You have to specify the flat amount only when the charge type is a Flat Amount.
The flat amount will be collected in the currency that you have specified in the Charge
Currency field.
Rate
If you have indicated that the charge should be a percentage of the transaction amount, you
have to necessarily capture the rate that is to be applied on the transaction amount. The rate
that you specify will be applied after converting the amount into the Account Currency.
Minimum and Maximum Charge Amount
When the charge type applicable on the transaction is a percentage of the transaction amount
you have to capture the minimum and maximum charge amounts that should be applied on
the transaction.
If the charge percentage involving a particular transaction is less than the minimum charge,
the system will, by default, debit the customer account with the minimum charge amount. If
the charge percentage exceeds the maximum amount, the system will debit the customer
account with the maximum charge amount.
Note
The charge amount will be deducted in the currency that you specified in the Charge Currency field.
MIS Head
Specify the MIS Head that is applicable for the charge-related accounting entry.
5-9
Description
You can indicate a short description for the charge.If you have provided a charge, it is
mandatory to enter the description.
Charge Tracking Preference
Select charge tracking preference from the adjoining drop-down list. The options available
are:

Part Debit/Part Waive - If your account does not have an amount sufficient to collect the
full charge, then the system collects the available amount and waives off the remaining
amount. There will not be any tracking for the waived amount. For example: If the
charge amount is Rs100 and there is Rs70 in the customer account, then Rs70 will be
collected as the charge and the remaining Rs30 would be waived off.

Part Debit/Part Track - If your account does not have an amount sufficient to collect the
full charge, then the system collects the available amount and tracks the remaining
amount. For example: If the charge amount is Rs100 and there is Rs70 in the customer
account, then Rs70 will be collected as the charge and the remaining Rs30 would be
tracked for collection.

Full Waive - If your account does not have sufficient balance then the system waives off
the full charge amount. For e.xample: If the charge amount is Rs100 and there is Rs70
in the account, the entire Rs100 charge will be waived off.

Full Track - If your account does not have sufficient balance to cover the charge, then
the system tracks the entire amount as receivable. For example: If the charge is Rs100
and the amount in the account is Rs70, charge will not be collected, instead Rs100 will
be tracked as receivable and this would be tracked till closure.

Force Debit - The system debits the charge amount forcefully from your account. If the
amount available in the account is not sufficient then force debit results in negative
balance. For example: If the charge is Rs100 and the customer account has Rs70, then
the system forcibly debits the customer account of Rs100 resulting in the customer
account balance of Rs30. The amount is not tracked in this case. This option if selected,
ignores all other validations for balance check and will debit the customer account for
the charge amount. The same balance check validations are skipped here too which are
currently skipped by the system if balance check required flag is unchecked at
transaction code level. However, other validations such as No debit, account freeze will
not be skipped.

Not Required - Select ‘Not Required’ if charge for tracking is not preferred. The system
behaves in the same manner as it is when “Tracking required auto liquidation” flag is
unchecked. This will consider the validations for balance check, that is preference at
transaction code level or account overdraft errors (e.g. AC-OVD)

Reject - If the account does not have sufficient balance, then the system rejects entire
transaction.
Note

If “Charge Tracking Preference” is any of the above other than “Not Required”, the given
preference will take precedence over the account overdraft check validation (AC-OVD).
For example, if account overdraft check validation (AC-OVD) is set up as an override,
but tracking preference is selected as full track or part debit/ part track, the charge
amount will be tracked if available balance is insufficient to cover the charges. If tracking
preference is selected as “Not Required”, then the system will debit the account for
charge even if available balance is insufficient to cover the charges.

If account overdraft check validation (ACOVD) is set up as an error, but tracking
preference is selected as “Force Debit”, then the charge amount will be debited to the
customer account by skipping the balance check validation and if available balance is
insufficient to cover the charges. But if the tracking preference is selected as “Not
Required”, the transaction fails due to insufficient fund.
5-10
Note
–
The charge tracking preference is not applicable if the charge debit account is a GL
–
The charge tracking preference is not applicable for Account close out products or
NUM-ACC-OPN-DAYS if selected as basis.
Liquidation Preference for Tracked Charges
 Select liquidation preference for tracked charges from the adjoining drop-down list. The
options available are:Partial - If ‘Partial’ is selected, the system liquidates the tracked
charge amounts partially during EO only if part amount is available in the account. For
example: If Rs.30 is tracked for an account and during next day EOD, system finds Rs10
is available in the account, system will try to collect the available Rs10.

Full - If this is selected, then the system tries to liquidate the individual tracked charge
amount fully during EOD. If only part amount is available in the account, system will not
try to collect the part amount. For example: If Rs30 is tracked for a charge in an account
and during next day EOD, system finds Rs10 is available in the account; system will not
try to collect the available Rs10. But, system will wait till the time balance available in
the account becomes Rs30.
Note
–
The system does not validate the “Charge Tracking Preference” selected and
“Liquidation Preference for Tracked Charges” selected for a given charge. This has
to be operationally controlled. The “Liquidation Preference for Tracked Charges” is
applicable only if the Charge tracking preference is selected as “Full Track” or “Part
Debit/ Part Track”. In all other cases, the liquidation preference can be maintained
as “Full” or “Partial” which will not have any impact unless any charges are tracked.
–
Liquidation of IC tracked charges are done as per the logic available for other
tracked amounts like RT, CL tracked amounts.
–
You can define the priority of liquidation order product-wise at account class AMT
block screen for IC charge products also.
The system displays override messages when:

Available balance is sufficient to cover the transaction amount but not sufficient for the
charge.

Product level tracking is checked and when transaction amount is greater than the
available balance.
The non sufficient funds tracked transactions can be reversed on the same day only, next day
reversal is not allowed.
If netting is disabled for credit transactions, the charges will be deducted from the account.
Hence, NSF charge tracking preference will be applicable if system is unable to collect the
charge amount.
For further details refer ‘Maintaining Accounting Details’ chapter of Retail Teller user manual.
5.1.3.4
Specifying Regulation CC Availability for Clearing Products
In addition to the accounting entry and charge definition you will also have to maintain the
following ARC details to incorporate the Regulation CC requirements:

Indicate whether Regulation CC rules apply to the product that you are defining

Each check deposited will have a nine digit routing number or a four digit routing code
associated with it, which determines the clearing float days for the check and the funds
5-11
availability schedule .You will have to indicate the Float Days for the product for large
deposits (>5000). (For deposits falling within the 5000 range you can specify the float
days in the existing Customer Float Days screen.

Float days for new accounts

Indicate that Special Checks that are given the next day availability should not be
included in the next day availability calculation and are also not considered for large
deposit exception. Checks given such special availability will not be governed by the
Reg CC schedules.
Note
–
In case of cash deposits, electronic payments and transactions through proprietary/
non-proprietary ATM, the next day availability can be enabled through the
appropriate transaction code, and these transactions must not be considered for
Regulation CC.
–
Checks for which collection is doubtful and re-deposited checks should be posted
using separate products that are not considered for Regulation CC, with the desired
float for the products being defined in the ARC Maintenance.
Availability depends upon the specifications in the Clearing House Holiday Maintenance and
the Branch Holiday Maintenance. The value date is first arrived at using the clearinghouse
calendar, and if it happens to be a branch holiday, it is moved to the next working day.
During transaction processing the value date for Reg CC availability for the check deposit gets
defaulted based on the Credit Account and the ARC Maintenance for the Clearing Product.
To specify the Reg CC details, click ‘Regulation’ button in the ARC Maintenance screen. The
Reg Details screen is opened, where you can specify the details.
The schedule for the availability of funds for check deposits under Reg CC will be calculated
in the following manner:
For local and non local checks when the aggregate deposit amount in a day < 5000
Sch1
Transaction day + 1
100
Sch2
Available day – 1
400
5-12
Sch3
Available day
Balance
For local and non local checks when the aggregate deposit amount in a day > 5000
Sch1
Transaction day + 1
100
Sch2
Available day – 2
400
Sch3
Available day - 1
4500
Sch4
Available day
Balance
For federal or special checks the funds are made available only on the next business day
irrespective of the amount deposited, and the checks are not considered for Regulation CC
scheduling.
Account Statements
All the details of the checks deposited on a given day and the funds cleared as per the
schedule will be displayed in the account statement.
5-13
6. Viewing Clearing Transactions
6.1
Introduction
You can view clearing transactions in the ‘Clearing Transaction Query’ screen, where you
provide the details of the check instruments as well as the clearing details. You can invoke
this screen by typing ‘CGDQUERY’ in the field at the top right corner of the Application tool
bar and clicking on the adjoining arrow button.
In the Clearing Transaction Input screen, you can view the following:

Remitter Details

Beneficiary Details

Instrument Details

Date Details

Instrument Amount

Viewing Document Identification Number (DIN) details

DIN

DIN Date

Remarks

Regulation CC Availability for Check Deposits
6-1

Tanked Transaction

Country of the remitter

Country of the beneficiary
For more information on Tanked Transaction, refer Branch Parameters chapter under Core
Services module.
6.2
Querying the Clearing Transactions Summary
You can view the processed clearing records through the Clearing transaction screen. You
can reverse a transaction or input a transaction through this screen. Also, you can query/view
the list of transactions with a particular reconciliation status.
You can invoke this screen by typing ‘CGSQUERY’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
You can query the clearing transactions based on the following details:

Authorization Status

Contract Status

Reference Number

External Reference

Product Code

Instrument Date

Remitter

Beneficiary

Remitter Account

Beneficiary account

Instrument Currency

Instrument Amount

Bank Code

Branch Code
6-2

Reconciliation Status

Batch Number
Click ‘Search’ button to view the records based on criteria you have selected. The following
details of the record get displayed:

Authorization Status

Contract Status

Reference Number

External Reference

Product Code

Instrument Date

Remitter

Beneficiary

Remitter Account

Beneficiary account

Instrument Currency

Instrument Amount

Bank Code

Branch Code

Reconciliation Status
Refer heading ‘Specifying Clearing/Cheque Details’ in the Utility Payments Manual for further
details on Clearing Transaction Query screen.
6.2.1
Maintaining Settlement Details
You can maintain settlement details for Inward and Outward Direct Credit transactions.
For details on Inward and Outward Direct Credit transactions, refer to the Retail Teller and
Retail Branch user manuals.
6-3
Invoke the ‘Settlement Details’ screen from the Application Browser by typing ‘FTDRCST’ in
the field at the top right corner of the Application tool bar and clicking the adjoining arrow
button.
This screen contains fields that explore possible routes of the transfer. Depending on the type
of transfer you are initiating and on the number of banks involved in the transfer, you can enter
details of the parties involved in the transfer route.
Note
The country information is captured to enable Mantas to analyze the transactions for possible money laundering activities.
For more details on Mantas, refer 'Mantas' interface document.
Route Code
This is an identifier for the transfer route that you are creating. During a retail teller transaction
input, you can use this route code to call up the settlement and messaging details that you
maintain in this screen.
6-4
Intermediary Reimbursement Institution
An ‘Intermediary Reimbursement Institution’ is the financial institution between the Sender’s
Correspondent and the Receiver’s Correspondent, through which the reimbursement of the
transfer will take place.
Intermediary
The ‘Intermediary’ in a transfer refers to the financial institution, between the ‘Sender’ and the
‘Account With Institution’, through which the transfer must pass.
The Intermediary may be a branch or affiliate of the Sender or the account with Institution, or
an entirely different financial institution. This field corresponds to field 56a of S.W.I.F.T.
Here you can enter either the:

ISO Bank Identifier Code of the bank or the

Name and address of the Bank.

Local Clearing Code of the bank
Receiver’s Correspondent
The ‘Receiver’s Correspondent’ is the branch of the Receiver or another financial institution
at which the funds will be made available to the Receiver. This field corresponds to field 54a
of S.W.I.F.T. You can enter one of the following:

ISO Bank Identifier Code of the bank

The branch of the Receiver’s Correspondent

Name and address of the Receiver’s Correspondent.
Account With Institution
An ‘Account With Institution’ refers to the financial institution, at which the ordering party
requests the Beneficiary to be paid. The Account With Institution may be a branch or affiliate
of the Receiver, or of the Intermediary, or of the Beneficiary Institution, or an entirely different
financial institution.
This field corresponds to Field 57A of S.W.I.F.T. You can enter one of the following:

ISO Bank Identifier Code of the bank

The branch of the Receiver’s Correspondent

Name and address of the Receiver’s Correspondent

Other identification codes (for example, account number)

Local Clearing Code of the bank
Sender to Receiver Information
You can include any message that the Sender wishes to pass on to the Receiver as part of
the funds transfer.
Receiver Intermediary
The ‘Receiver Intermediary’ in a transfer refers to the financial institution, between the
‘Receiver’ and the ‘Account With Institution’, through which the transfer must pass.
The Intermediary may be a branch or affiliate of the Receiver or the account with Institution,
or an entirely different financial institution. This field corresponds to field 56a of S.W.I.F.T.
Here you can enter either the:

ISO Bank Identifier Code of the bank

Name and address of the Bank
6-5

Local Clearing Code of the bank
Beneficiary Institution
Here, you can enter details of the institution in favor of which the payment is made. It is in
reality the bank that services the account of the Ultimate Beneficiary. This field corresponds
to Field 58A of S.W.I.F.T.
You will be allowed to make entries into this field only for Bank Transfers (when the remitter
and beneficiary of the transfer are financial institutions — MT 100 or MT 202). Here you can
enter either:
6.2.2

The ISO Bank Identifier Code of the Beneficiary Institution

The Name and Address of the Beneficiary Institution

The Local Clearing Code of the bank. If the receiver of funds is the same as the
Beneficiary Institution, you can specify the bank’s own local clearing code.
Resolving Customer Credits for Clearing Checks
For processing outward clearing checks, you need to ensure that:

You have maintained the clearing products that would be used for processing the
Registration (INIT) and Liquidation (LIQD) events.

In the Demand Drafts Details screen, you must associate the statuses used for
registration and liquidation with the appropriate product codes. Assume, you have
maintained the products CGOC (Registration of Outward Clearing checks) and DDLQ
(Liquidation of Outward Clearing checks). You need to associate the status INIT
(Registration) with the product CGOC and LIQD (Liquidation) with the product DDLQ.

The Clearing Required option has not be enabled for the product maintained for the
liquidation event, in the Demand Draft Details screen.

Charges in respect of an outward clearing check transaction could be collected either
upfront or after the credit to the customer account. The manner in which accounting is
done in both cases, along with the appropriate ARC maintenance, is illustrated below:
When charges are collected upfront
Step 1
This is the registration event (INIT), for which you can define the following entries:
Debit/Credit
Indicator
Accounting Role
Amount Tag
Debit
Nostro with the collecting bank
Check amount
Credit
Clearing Suspense account
Check amount
Debit
Clearing Suspense account
Our charges
Credit
Income -
Our charges
Step 2
This is the liquidation event, for which you can define the following entries:
Debit/Credit Indicator
Accounting Role
Amount Tag
Debit
Clearing Suspense account
Check amount
Credit
Customer
Check amount
6-6
Debit/Credit Indicator
Accounting Role
Amount Tag
Debit
Customer
Our charges
Credit
Clearing Suspense account
Our charges
Debit
Customer
Collecting bank charges
Credit
Collecting Bank charge Account
Collecting bank charges
When clearing charges are collected from the customer after credit
Step 1
This is the registration event. The following entries can defined for this event:
Debit/Credit Indicator
Accounting Role
Amount Tag
Debit
Nostro with the collecting bank
Check amount
Credit
Clearing Suspense account
Check amount
Step 2
This is the liquidation event. The following entries can be defined for this event.
Debit/Credit
Indicator
Accounting Role
Amount Tag
Debit
Clearing Suspense account
Check amount
Credit
Customer
Check amount
Debit
Customer
Our charges
Credit
Clearing Suspense account
Our charges
Debit
Customer
Collecting bank charges
Credit
Collecting Bank charge Account (Nostro of
collecting bank with your bank)
Collecting bank charges
For the registration product, when the charge is collected upfront, the ARC Maintenance must
be as follows:
Txn
Account
Offset
Account
Charge
Account
Charge From
Account
Suspense
Nostro
Income
Transaction Account
For the registration product, when clearing charges are collected from the customer after
credit, the ARC Maintenance must be as follows:
Txn
Account
Offset
Account
Charge
Account
Charge From
Account
Suspense
Nostro
-
-
6-7
For the liquidation product, when clearing charges are collected from the customer after
credit, the ARC Maintenance must be as follows:
6.2.3
Charge Type
Txn
Account
Offset
Account
Charge
Account
Charge From
Account
Our charges
Customer
Suspense
Income
Transaction
Account
Collecting Bank
charges
Customer
Suspense
Income
Transaction
Account
Levying Charges on Dishonored Cheque
You can levy charges on dishonored cheques based on the reason for rejection. Invoke the
‘Clearing Rejection Reason’ screen from the application browser.
You can invoke this screen by typing ‘CGDRJMNT’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
In this screen, you have to specify a reject code and give a description of the same. A reject
code has to be assigned to every check that you reject.
Select ‘CHQ’ as the instrument used and check the Charge Applicable box. You can also
mention a reason for application of charge.
For all reject codes where charge is applicable a charge basis is automatically created by the
system. You have to link the charge basis to a charge product in the IC module.
You can check the box ‘Include for Cheque Return Counter’ to indicate that the reject code is
considered for incrementing the return counter, when the cheque comes in for clearing.
Refer to the Interest and Charges user manual to find out how to create a charge basis.
6-8
If you wish to levy charge for a dishonored check, then, when marking the check as
dishonored, specify a reject code that has a charge basis linked to it. You can do this in the
Interface Clearing Details screen, which is explained in the next section.
On authorization of dishonored checks, the system will validate if the reject code associated
with a dishonored check has a charge basis linked to it and process charges accordingly.
6.3
Querying Clearing (Repair) Upload Summary
You can modify the details for multiple clearing transactions using ‘Query Clearing Upload’
screen. You can use this screen for both inward clearing as well as outgoing clearing
transactions and you can also authorize, reject clearing transactions in bulk.
You can invoke this screen by typing ‘CGDCLGDT’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
You can query the multiple clearing transactions based on:
External Reference No
Specify the external reference of the transaction you are querying. This adjoining option list
displays all valid external reference numbers maintained in the system. You can choose the
appropriate one.
The system displays the following details corresponding to the specified External Reference
No. However, you can modify them, if the default status is not ‘Success’.
End Point
Specify the end point/clearing house of the transaction you are querying. This adjoining option
list displays all valid end points maintained in the system. You can choose the appropriate
one.
Remitter Account No
Specify the remitter account number of the transaction you are querying. This adjoining option
list displays all valid external remitter account numbers maintained in the system. You can
choose the appropriate one.
6-9
Product
Specify the clearing product of the transaction you are querying. This adjoining option list
displays all valid clearing product codes maintained in the system. You can choose the
appropriate one.
Beneficiary Account
Specify the beneficiary account you are querying. This adjoining option list displays all valid
beneficiary account numbers maintained in the system. You can choose the appropriate one.
Transaction Date
Enter the transaction date you are querying.
User Id
Specify user Id who input the transaction you are querying. This adjoining option list displays
all valid user Ids maintained in the system. You can choose the appropriate one.
Status
Select the status of the transaction you are querying from the drop-down list:

Overrides

Unprocessed

Success

Dishonour Return

Error
Currency
Specify currency of the instrument you are querying. This adjoining option list displays all valid
currencies maintained in the system. You can choose the appropriate one.
Remitter Branch
Specify remitter branch you are querying. This adjoining option list displays all valid remitter
branches maintained in the system. You can choose the appropriate one.
Remitter Account Currency
Specify remitter account currency you are querying. This adjoining option list displays all valid
remitter account currencies maintained in the system. You can choose the appropriate one.
Instrument No
Specify instrument number you are querying.
Amount
Specify the instrument amount you are querying.
Authorization Status
Select the authorization status of the transaction you are querying from the drop-down list:

Authorized

Unauthorized
Instrument Type
The system displays the instrument type here and the default value is CHQ.
Direction
Select the direction of the transaction you are querying from the drop-down list:

Inward

Outward
6-10
Reject Code
Specify reject reason code for querying. This adjoining option list displays all valid reject
codes maintained in the system. You can choose the appropriate one.
Force Posting
To force the transaction to happen even in case of insufficient funds.
Routing No
Specify the routing number for cheque clearance. The adjoining option list displays all routing
numbers along with the Branch codes and Bank Codes. You can select the appropriate one.
Batch Number
Specify the batch number for the transaction you want to query.
Click ‘Search’ button to view the records based on criteria you have selected. The following
details of the record get displayed:
Clearing Details:
 Status

Reject Code

Force Posting

Advice Required

Waive Reject Charge – Rejection charge will be waived if this box is checked.

Remitter Account No

Remitter Branch

Instrument Number

Instrument Currency

Instrument Amount

Liquidation Date

Product

Contract Reference

Beneficiary Account

Beneficiary Customer

Narrative

Routing No

End Point

External Reference

Maker Id

Maker Date Stamp

Authorization Status

Source Code

Instrument Type

Error Code

Error Params

Upload Status
The system displays the following details:

Remitter Bank
6-11
6.3.1

Beneficiary Bank

Bank Validate

Beneficiary Branch

Branch

Entry No
Inward Clearing of Instruments
You can process the failed inward clearing transactions of instruments using ‘Query Clearing
Upload’ screen. You can invoke this screen by typing ‘CGDCLGDT’ in the field at the top right
corner of the Application tool bar and clicking on the adjoining arrow button.
To process the failed inward clearing transactions of instruments,
1. Specify the instrument type from the adjoining option list.
2. Select the status as ‘Error’ from the drop-down list.
3. Click the ‘Query’ button to view all the failed transactions.
4. Change the status as ‘Unprocessed’, to process the transactions failed due to expired
instrument.
Note
6.3.2
–
You need to revalidate the instrument before processing them from the clearing
repair screen. If not, system will display the error message and the status will be
updated as ‘ERRR’.
–
The cheque cannot be rejected after the return marking cut off time, however will be
postponed to the next working day.
Validating Returned Outward Clearing Transaction
If the outward clearing transaction is returned from ‘Clearing Repair Screen’ (CGDCLGDT);
‘Cheque Return Screen’ (6560); ‘Clearing Log Screen’ (IFDCLGDT), on save, the following
validation will be done
6-12

If the current time is greater than the return cut-off time maintained in the ‘Clearing Cut
off Time Maintenance’ screen, system will display the following error message as
“Return marking is not allowed for the day”.

If the return cut-off time is not maintained in the ‘Clearing Cut off Time Maintenance’
screen, system will use the cut-off time maintained in the ‘Clearing Branch Parameter’
screen.

On successful validation, the upload status would be changed to ‘Unprocessed’ and
after authorization; the cheque return will be processed.
Note
Return cut-off time would be validated only for the outward clearing returns of cheques.
6.4
Clearing Batch Process (CGUPLOAD)
CGUPLOAD batch can be configured as intra-day batch to process the uploaded clearing
data. This will process the clearing upload data which are in unprocessed status and creates
the clearing transaction based on the instrument type, instrument product.
6.4.1

If the instrument type is ‘CHEQUE’, ‘DD’ or ‘BC’ and the product type is ‘OC’ (Outward
clearing), the system will create the outward clearing transaction.

If the instrument type is ‘CHEQUE’ and the product type is ‘IC’ (Inward clearing), the
system will create the inward clearing transaction

If the instrument type is ‘DD’ or ‘BC’ and the product type is not ‘OC’ (Outward Clearing)
the system will trigger the liquidation process for the DD/BC instrument received for
clearing.

The Clearing batch process will update the status of the clearing upload data in the
clearing log data store.

If the clearing transaction is created successfully, the status will be updated as ‘SUCS’
in the clearing log data store which can be viewed from the ‘Clearing Log Summary’
screen.

During accounting process, the system will fail the transaction based on the conversion
error code maintenance for the accounting overrides.

These transactions can be processed (fail to pass) from the ‘Clearing Log/Repair’
screen.

If transaction is failed during batch process, the system would update the status as
‘ERRR’ with error code and error description in the clearing log, which can be viewed
from clearing log summary (IFSCLGDT) or Clearing Repair Screen (CGDCLGDT).

You can manually correct the error data from the ‘Clearing Bulk Repair’ screen.
Provision for populating Clearing Upload:
The excel upload process exposed by the system can be utilized to upload the clearing data
into the clearing log data store.
The following are the fields which are mandatory for both Inward and Outward Clearing:
Field
Description
Data Type
INSTRNO
Instrument number
Number
PROD
Product code (inward clearing product)
String
6-13
Field
Description
Data Type
INSTRCCY
Instrument currency
String
INSTRAMT
Instrument amount
Number
ROUTINGNO
Routing Number
String
The following are the fields which are mandatory for Inward Clearing:
Field
Description
Data Type
REMACCOUNT
Remitter account
Number
ENDPOINT
End point
String
The following are the fields which are mandatory for Outward Clearing:
Field
Description
Data Type
BENACCOUNT
Beneficiary account
Number
INSTRDATE
Instrument date
Date
6-14
7. Reports
7.1
Introduction
The report programs available under the Clearing module are explained in this chapter. All
activities that are performed by the Clearing module are recorded. The inputs you have made
at different stages are pieced together and can be extracted in the form of meaningful reports
as and when you may require them. Every day teller doing the financial transactions, print
hard copy of the reports.
The reports that can be generated for the clearing Module are as follows:
7.2

Inward Clearing Extract Report

Inward Clearing Extract – Passed Entries

Inward Clearing Extract - Failed Entries

Inward Clearing Extract – Rejected Entries

Inward Clearing Extract – Forcefully Passed Entries

Inward Clearing Summary Report

Outward Clearing Failed Transactions Report

Cheques Due for Realization Report

Inward Clearing Cheque Reject Report

Outward Clearing Cheque Reject Report

Outward Clearing Summary Report

Clearing Balance Summary Report

Liquidated Instrument Report

Instrument Issued Today Report

Outward Clearing Handoff Report

Float Extension Report

On Us Transaction Report
Inward Clearing Extract Report
This Report lists the all inward clearing records. It will have all the records irrespective of their
status. You can invoke ‘Inward Clearing Extract Report’ screen by typing ‘CGRINCLR’ in the
7-1
field at the top right corner of the Application tool bar and clicking on the adjoining arrow
button.
Specify the transaction date.
Click ‘OK’ button to generate the inward clearing extract report, click ‘Exit’ to return to the
Reports Browser.
7.2.1
Contents of the Report
The contents of the report are discussed under the following heads:
Header
The Header carries the Branch of the report, information on the branch and date, the ID of the
user who generated the report, the date and time at which it was generated and the module
of the report.
Body of the report
The generated report will be ordered by the batch number and currency. The Batch No (4-7
character of Reference Number). The Summation will be for Number of entries, amount.
Field Name
Description
End Point
This indicates the end point.
Clearing Type
This indicates the clearing type.
Remitter Branch
This indicates the remitter branch.
Remitter Account
This indicates the remitter account.
Beneficiary Account
This indicates the beneficiary account.
Cheque Number
This indicates the cheque number.
Entry Number
This indicates the entry number.
Routing Number
This indicates the routing number.
7-2
7.3
Field Name
Description
Payee
This indicates the payee.
Instrument Date
This indicates the instrument date.
Currency
This indicates the currency.
Cheque Amount
This indicates the cheque amount.
Status
This indicates the status.
Inward Clearing Extract – Passed Entries
After authorization, all the transactions will come to ‘Clearing Log’ (IFSCLGDT) screen. Here
some transactions will go as error, because of lack of funds, or other reasons. A report is
required containing data of how many entries passed.
You can invoke ‘Inward Clearing Extract - Passed Entries’ screen by typing ‘CGRCLGPS’ in
the field at the top right corner of the Application tool bar and clicking on the adjoining arrow
button.
Specify the transaction date.
Click ‘OK’ button to generate the inward clearing extract report, click ‘Exit’ to return to the
Reports Browser.
7.3.1
Contents of the Report
The contents of the report are discussed under the following heads:
Header
The Header carries the Branch of the report, information on the branch and date, the ID of the
user who generated the report, the date and time at which it was generated and the module
of the report.
7-3
Body of the report
The generated report will be ordered by the batch number and currency. Batch No (4-7
character of Reference Number). The Summation will be for Number of entries, amount.
7.4
Field Name
Description
End Point
This indicates the end point.
Clearing Type
This indicates the clearing type.
Remitter Branch
This indicates the remitter branch.
Remitter Account
This indicates the remitter account.
Beneficiary Account
This indicates the beneficiary account.
Cheque Number
This indicates the cheque number.
Entry Number
This indicates the entry number.
Routing Number
This indicates the routing number.
Remarks
This indicates the remarks.
Instrument Date
This indicates the instrument date.
Currency
This indicates the currency.
Amount
This indicates the amount.
Inward Clearing Extract - Failed Entries
This Report lists the failed inward clearing records. You can invoke ‘Inward Clearing Extract
- Failed Entries’ screen by typing ‘CGRCLREF’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
Transaction Date
Specify the transaction date.
7-4
Click ‘OK’ button to generate the inward clearing extract report, click ‘Exit’ to return to the
Reports Browser.
7.4.1
Contents of the Report
The contents of the report are discussed under the following heads:
Header
The Header carries the Branch of the report, information on the branch and date, the ID of the
user who generated the report, the date and time at which it was generated and the module
of the report.
Body of the report
The generated report will be ordered by the batch number and currency. The Batch No (4-7
character of Reference Number). The Summation will be for Number of entries, amount.
7.5
Field Name
Description
End Point
This indicates the end point.
Clearing Type
This indicates the clearing type.
Remitter Branch
This indicates the remitter branch.
Remitter Account
This indicates the remitter account.
Beneficiary Account
This indicates the beneficiary
account.
Cheque Number
This indicates the cheque number.
Entry Number
This indicates the entry number.
Routing Number
This indicates the routing number.
Failed Reason
This indicates the failed reason.
Remarks
This indicates the remarks.
Instrument Date
This indicates the instrument date.
Currency
This indicates the currency.
Amount
This indicates the amount.
Inward Clearing Extract – Rejected Entries
This Report lists the reject inward clearing records. The bank may wish to reverse some of
the passed cheques. A report is required of how many cheques reversed with details.
7-5
You can invoke ‘Inward Clearing Extract - Rejected Entries’ screen by typing ‘CGRCHREV’
in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow
button.
You can specify the following parameters here:
Transaction Date
Specify date of transaction of inward clearing extract for which you wish to generate report,
from the adjoining calendar.
Reject Code
Specify reject code of the inward clearing extract for which you wish to generate report, from
the adjoining option list.
Reject Reason
Reason for the rejection of the inward clearing extract is defaulted here based the specified
reject code.
Click ‘OK’ button to generate the inward clearing extract report, click ‘Exit’ to return to the
Reports Browser.
7.5.1
Contents of the Report
The contents of the report are discussed under the following heads:
Header
The Header carries the Branch of the report, information on the branch and date, the ID of the
user who generated the report, the date and time at which it was generated, the module of the
report and reject code.
Body of the report
The generated report will be ordered by the batch number and currency. The Batch No (4-7
character of Reference Number). The Summation will be for Number of entries, amount.
Field Name
Field Description
Transaction Branch
This indicates the transaction branch.
Remitter Account
This indicates the remitter account.
Beneficiary Account Number
This indicates the beneficiary account.
7-6
7.6
Field Name
Field Description
Customer Name
This indicates the customer name.
Cheque Number
This indicates the cheque number.
Batch Number
This indicates the batch number
Currency
This indicates the currency of the transaction
Total Amount
This indicates the total amount
Total Number of Records
This indicates the total number of records
Value Date
This indicates the value date.
Reject Reason
This indicates the reject reason.
Currency
This indicates the currency.
Amount
This indicates the amount.
Inward Clearing Extract – Forcefully Passed Entries
The bank will forcefully pass some of the entries which had failed earlier. A report is required
of how many passed forcefully with details. You can invoke ‘Inward Clearing Extract –
Forcefully passed Entries’ screen by typing ‘CGRCLFPS’ in the field at the top right corner of
the Application tool bar and clicking on the adjoining arrow button.
Specify the transaction date.
Click ‘OK’ button to generate the inward clearing extract report, click ‘Exit’ to return to the
Reports Browser.
7.6.1
Contents of the Report
The contents of the report are discussed under the following heads:
7-7
Header
The Header carries the Branch of the report, information on the branch and date, the ID of the
user who generated the report, the date and time at which it was generated and the module
of the report.
Body of the report
The generated report will be ordered by the batch number and currency. The Batch No (4-7
character of Reference Number). The Summation will be for Number of entries, amount.
7.7
Field Name
Field Description
End Point
This indicates the end point.
Clearing Type
This indicates the clearing type.
Remitter Branch
This indicates the remitter branch.
Remitter Account
This indicates the remitter account.
Beneficiary Account
This indicates the beneficiary account.
Cheque Number
This indicates the cheque number.
Entry Number
This indicates the entry number.
Routing Number
This indicates the routing number.
Previous Status
This indicates the previous status.
Current Status
This indicates the current status.
Payee
This indicates the payee.
Instrument Date
This indicates the instrument date.
Currency
This indicates the currency.
Amount
This indicates the amount.
Inward Clearing Summary Report
Cheques are processed in various Inward Clearing types, Currencies, and Batches
throughout the day. These Inward Clearing Cheques are either processed successfully or
rejected, based on the accounts fund position, status, etc.
You can generate ‘Inward Clearing Summary Report’ to help the branches in balancing
inward clearing transactions. This report lists all the inward clearing transactions processed
on that day. The transactions are grouped by batches. You can invoke ‘Inward Clearing
7-8
Summary Report’ screen by typing ‘CGRINCLG’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.CGRINCLG__CVS_MAIN
You can specify the following parameters here:
Branch Code
Specify a valid code of the Branch in which report is being generated from the adjoining option
list.
Date
Specify the date for which you wish to generate the report from the adjoining calendar.
End Point
Specify cheque number which you wish to maintain as an end point to generate the report,
from the adjoining option list.
Report Format
Select the format in which you need to generate the report from the adjoining drop-down list.
This list displays the following values:

HTML – Select to generate report in HTML format.

RTF – Select to generate report in RTF format.

PDF – Select to generate report in PDF format.

EXCEL – Select to generate report in EXCEL format.
Report Output
Select the output in which you need to generate the report from the adjoining drop-down list.
This list displays the following values:

Print – Select to print the report.

View – Select to print the report.

Spool – Select to spool the report to a specified folder so that you can print it later.
Printer At
Select location where you wish to print the report from the adjoining drop-down list. This list
displays the following values:

Client – Select if you need to print at the client location.

Server – Select if you need to print at the server location
7-9
Printer
Select printer using which you wish to print the report from the adjoining option list.
7.7.1
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the Inward Clearing Summary Report is as follows:
Header
The Header carries the Branch of the report, information on the branch and date, the ID of the
user who generated the report, the date and time at which it was generated and the module
of the report.
Body of the Report
The following details are displayed as body of the generated report:
7.8
Field Name
Field Description
End Point
Indicates End Point
Clearing House Name
Indicates Clearing House Name
Clearing House
Indicates Clearing house
Currency
Indicates Currency
Batch Number
Indicates Batch Number
Debit Amount
Indicates Sum of Cheque Amount of the batch
Rejected Amount
Indicates Sum of amount of the rejected cheques of the batch
Passed Amount
Indicates Sum of amount of the passed cheques of the batch
Outward Clearing Failed Transactions Report
Outward clearing cheques are settled by forwarding them to clearing houses. On the due date
of settlement, credits are received from the other banks, through the clearing house. Subject
to the returns, the funds are credited to the customer accounts. If an outward clearing
transaction fails, then you can generate ‘Outward Clearing Failed Transactions Report’ to list
transactions which failed on that day. This report groups all failed transactions based on the
instrument and clearing type of the transaction.
7-10
You can invoke ‘Outward Clearing Failed Transactions Report’ screen by typing
‘CGROCFTN’ in the field at the top right corner of the Application tool bar and clicking on the
adjoining arrow button.CGROCFTN__CVS_MAIN
End Point
Specify cheque number which you wish to maintain as an end point to generate the report,
from the adjoining option list.
Process Date
Specify the date when the outward clearing transaction was processed from the adjoining
Calendar.
Report Format
Select the format in which you need to generate the report from the adjoining drop-down list.
This list displays the following values:

HTML – Select to generate report in HTML format.

RTF – Select to generate report in RTF format.

PDF – Select to generate report in PDF format.

EXCEL – Select to generate report in EXCEL format.
Report Output
Select the output in which you need to generate the report from the adjoining drop-down list.
This list displays the following values:

Print – Select to print the report.

View – Select to print the report.

Spool – Select to spool the report to a specified folder so that you can print it later.
Printer At
Select location where you wish to print the report from the adjoining drop-down list. This list
displays the following values:

Client – Select if you need to print at the client location.

Server – Select if you need to print at the server location
Printer
Select printer using which you wish to print the report from the adjoining option list.
7-11
7.8.1
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the Outward Clearing Failed Transactions Report is as
follows:
Header
The Header carries the Branch of the report, information on the branch and date, the ID of the
user who generated the report, the date and time at which it was generated and the module
of the report.
Body of the Report
The following details are displayed as body of the generated report:
7.9
Field Name
Field Description
End Point
Indicates the end point
Transaction Date
Indicates the date of transaction
Instrument Type
Indicates the instrument type
Instrument No
Indicates Instrument Number
XREF
Indicates External Reference Number
Acc Branch
Indicates Payee Account Branch
Beneficiary Account Number
Indicates the beneficiary account number
Instrument CCY
Indicates the instrument currency
SC CCY
Indicates the charge currency
Transaction Status
Indicates the transaction status
Reference Number
Indicates FCC Reference Number
Routing No
Indicates Clearing Routing Number
Remitter Account
Indicates Payee Account Number
Beneficiary Account Description
Indicates the Beneficiary Account Description
Instrument Amount
Indicates Instrument Amount
SC Amount
Indicates Service Charge Amount
Reject Reason
Indicates Cheque Reject Remarks
Cheques Due for Realization Report
Instruments that need to be credited to the customer’s account are lodged in clearing. On the
clearing due date, the cheques are realized and the accounts are credited, subject to the
returns. Simultaneously branches open various clearing sessions based on the requirements
and lodge cheques.
You can generate ‘Cheques Due for Realization Report’ to list cheques that are due for
realization for that day. This report lists cheques which were already due for credit to the
7-12
accounts value date. You can invoke ‘Cheques Due for Realization Report’ screen by typing
‘CGRCDTOD’ in the field at the top right corner of the Application tool bar and clicking on the
adjoining arrow button.
You can specify the following parameters here:
Clearing Type
Specify clearing type for which you wish to generate the report, form the adjoining option list.
Value Date
Specify clearing value date of the outward clearing transaction from the adjoining calendar.
Branch Code
Specify a valid code of the Branch in which report is being generated from the adjoining option
list.
End Point
Specify cheque number which you wish to maintain as an end point to generate the report,
from the adjoining option list.
Report Format
Select the format in which you need to generate the report from the adjoining drop-down list.
This list displays the following values:

HTML – Select to generate report in HTML format.

RTF – Select to generate report in RTF format.

PDF – Select to generate report in PDF format.

EXCEL – Select to generate report in EXCEL format.
Report Output
Select the output in which you need to generate the report from the adjoining drop-down list.
This list displays the following values:

Print – Select to print the report.

View – Select to print the report.

Spool – Select to spool the report to a specified folder so that you can print it later.
Printer At
Select location where you wish to print the report from the adjoining drop-down list. This list
displays the following values:
7-13

Client – Select if you need to print at the client location.

Server – Select if you need to print at the server location
Printer
Select printer using which you wish to print the report from the adjoining option list.
7.9.1
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the Cheques Due for Realization Report is as follows:
Header
The Header carries the Branch of the report, information on the branch and date, the ID of the
user who generated the report, the date and time at which it was generated and the module
of the report.
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
End Point
Indicates Clearing End Point
Origination Branch
Indicates the origination branch
Clearing type and description
Indicates the clearing type and description
Instrument type
Indicates the instrument type
Currency
Indicates the currency of the transaction
Account Number
Indicates Account Number
Name
Indicates Account Holder Name
Bank Code
Indicates Bank Code
Instrument No
Indicates Instrument Number
Amount in TCY
Indicates the Amount in TCY
Transaction Seq NO
Indicates the transaction sequence number
Deposit Date
Indicates Cheque Deposited Date
Product Code
Indicates the product code
Value Date
Indicates value date
Transaction Ltrl
Indicates Transaction ltrl
7.10 Inward Clearing Cheque Reject Report
Cheques which were presented in inward clearing are cleared after verifying the following:

Balance in the account

Signature of Account holder

Mandatory validations
7-14
If the presented cheque fails in any of the above validations, then the Drawee Bank rejects
the cheque. Subsequently, these cheques are returned to clearing house, with reasons for not
honoring it.
You can generate ‘Inward Clearing Cheque Reject Report’ with details of cheques which were
rejected during inward clearing process for a given period. This report groups cheques, based
on the end point, branch code, and totals provided for instrument amount.
You can invoke ‘Inward Clearing Cheque Reject Report’ screen by typing ‘CGRICLRS’ in the
field at the top right corner of the Application tool bar and clicking on the adjoining arrow
button.CGRICLRS__CVS_MAIN
You can specify the following parameters here:
Branch Code
Specify a valid code of the Branch in which report is being generated from the adjoining option
list.
From Date
Specify the date from when you wish to generate the report from the adjoining calendar.
To Date
Specify the date till when you wish to generate the report from the adjoining calendar.
End Point
Specify cheque number which you wish to maintain as an end point to generate the report,
from the adjoining option list.
Account Number
Specify account number to which the rejected inward clearing cheque was submitted, from
the adjoining option list.
Reject Reason
Specify rejection code for rejection of the cheque from the adjoining option list.
Report Format
Select the format in which you need to generate the report from the adjoining drop-down list.
This list displays the following values:

HTML – Select to generate report in HTML format.

RTF – Select to generate report in RTF format.
7-15

PDF – Select to generate report in PDF format.

EXCEL – Select to generate report in EXCEL format.
Report Output
Select the output in which you need to generate the report from the adjoining drop-down list.
This list displays the following values:

Print – Select to print the report.

View – Select to print the report.

Spool – Select to spool the report to a specified folder so that you can print it later.
Printer At
Select location where you wish to print the report from the adjoining drop-down list. This list
displays the following values:

Client – Select if you need to print at the client location.

Server – Select if you need to print at the server location
Printer
Select printer using which you wish to print the report from the adjoining option list.
7.10.1
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the Inward Clearing Cheque Reject Report is as follows:
Header
The Header carries the Branch of the report, information on the branch and date, the ID of the
user who generated the report, the date and time at which it was generated and the module
of the report.
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
RM ID
Relationship manager ID
Account No
Indicates Remitter Account Number
Account Desc
Indicates Account Description
Instrument type
Indicates Instrument type
Instrument No
Indicates Instrument No
Instrument CCY
Indicates Instrument Currency
Instrument Amount
Indicates Instrument Amount
Cheque Return date
Indicates Transaction date
Routing No
Indicates Clearing routing no
Clearing Ref No
Indicates FCC Contract reference no
TXN No
Indicates Xref
Telephone No
Indicates Contact No
7-16
Field Name
Field Description
Reject reason
Indicates Reject reason
Auth ID
Indicates Authorizer Id
Auth ID date
Indicates Authorizer date and time
7.11 Outward Clearing Cheque Reject Report
You can generate a report of outward clearing cheque rejections using ‘Outward Clearing
Reject Report’ screen. This screen gives the details of the cheques those were bounced
during a given period. You can invoke ‘Outward Clearing Cheque Reject Report’ screen by
typing ‘CGROCLRS’ in the field at the top right corner of the Application tool bar and clicking
on the adjoining arrow button.CGROCLRS__CVS_MAIN
You can specify the following parameters here:
Branch Code
Specify a valid code of the Branch in which report is being generated from the adjoining option
list.
From Date
Specify the date from when you wish to generate the report from the adjoining calendar.
To Date
Specify the date till when you wish to generate the report from the adjoining calendar.
End Point
Specify cheque number which you wish to maintain as an end point to generate the report,
from the adjoining option list.
Account Number
Specify account number to which the rejected inward clearing cheque was submitted, from
the adjoining option list.
Reject Reason
Specify rejection code for rejection of the cheque from the adjoining option list.
7-17
Include Subordinates
The relationship managers can generate the reports for the customers who are associated
with their subordinate RMs. Choose one of the following options:

Yes – Select this box to include the customers assigned to your subordinate RMs.

No – Select this to generate the report only for the customers assigned to you, excluding
the customers assigned to your subordinate RMs.
Report Format
Select the format in which you need to generate the report from the adjoining drop-down list.
This list displays the following values:

HTML – Select to generate report in HTML format.

RTF – Select to generate report in RTF format.

PDF – Select to generate report in PDF format.

EXCEL – Select to generate report in EXCEL format.
Report Output
Select the output in which you need to generate the report from the adjoining drop-down list.
This list displays the following values:

Print – Select to print the report.

View – Select to print the report.

Spool – Select to spool the report to a specified folder so that you can print it later.
Printer At
Select location where you wish to print the report from the adjoining drop-down list. This list
displays the following values:

Client – Select if you need to print at the client location.

Server – Select if you need to print at the server location
Printer
Select printer using which you wish to print the report from the adjoining option list.
7.11.1
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the Inward Clearing Cheque Reject Report is as follows:
Header
The Header carries the Branch of the report, information on the branch and date, the ID of the
user who generated the report, the date and time at which it was generated and the module
of the report.
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
Rm ID
Relationship Manager ID
Transaction Branch
Transaction Branch
End Point
End Point
Remittance Account
Remittance Account
7-18
Field Name
Field Description
Account Description
Account Description
Instrument type
Instrument type
Instrument No
Instrument Number
Instrument CCY
Instrument Currency
Instrument Amt
Instrument Amount
Cheque Return Date
Cheque Return Date
Routing No
Routing No
Reference No
Reference No
Transaction No
Transaction No
Contact No
Contact No
Auth ID
Auth ID
Auth Time
Auth Time
Reject Reason
Reject Reason
7.12 Outward Clearing Summary Report
When a customer submits instruments of various other banks to credit their accounts, they
are lodged into outward clearing and are moved to clearing settlement. You can generate
‘Outward Clearing Summary Report’ to provide list of the transactions processed successful
or rejected while processing outward clearing. The results are grouped based on the
endpoint, clearing type, and transaction currency.
You can invoke ‘Outward Clearing Summary Report’ screen by typing ‘CGROCSAR’ in the
field at the top right corner of the Application tool bar and clicking on the adjoining arrow
button.
You can specify the following parameters here:
7-19
Branch Code
Specify a valid code of the Branch in which report is being generated from the adjoining option
list.
Transaction Status
Select status of the transaction from the adjoining drop-down list. This list displays the
following values:

Success – Select if the transaction was processed successfully.

Rejected – Select if the transaction was rejected.
Transaction Date
You can generate this report for the transactions having a specific transaction date. Select the
transaction date using the adjoining calendar button.
Report Format
Select the format in which you need to generate the report from the adjoining drop-down list.
This list displays the following values:

HTML – Select to generate report in HTML format.

RTF – Select to generate report in RTF format.

PDF – Select to generate report in PDF format.

EXCEL – Select to generate report in EXCEL format.
Report Output
Select the output in which you need to generate the report from the adjoining drop-down list.
This list displays the following values:

Print – Select to print the report.

View – Select to print the report.

Spool – Select to spool the report to a specified folder so that you can print it later.
Printer At
Select location where you wish to print the report from the adjoining drop-down list. This list
displays the following values:

Client – Select if you need to print at the client location.

Server – Select if you need to print at the server location
Printer
Select printer using which you wish to print the report from the adjoining option list.
7.12.1
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the Outward Clearing Summary Report is as follows:
Header
The Header carries the Branch of the report, information on the branch and date, the ID of the
user who generated the report, the date and time at which it was generated and the module
of the report.
7-20
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
No of Txns
Indicates No of Transactions
Product
Indicates the product
Transaction Ccy
Indicates the transaction currency
Transaction Date
Indicates the transaction date
Amount credited
Indicates Credit amount for outward transactions
Amount Return
Indicates Return amount for outward transactions
Net amount in TCY
Indicates Total net amount for outward cheque transactions
Net amount in LCY
Indicates Total net amount for outward LCY transactions
7.13 Clearing Balance Summary Report
Clearing houses are conducted region-wise and a pool of branches of each bank participates
in each clearing house to settle the funds. You can generate ‘Clearing Balance Summary
Report’ to get region-wise summary details of clearing house details, clearing, and amount
cleared for that day. The details are grouped based on the clearing house and branch. You
can invoke ‘Clearing Balance Summary Report’ screen by typing ‘CGRBLSUM’ in the field at
the top right corner of the Application tool bar and clicking on the adjoining arrow button.
You can specify the following parameters here:
Branch Code
Specify a valid code of the Branch in which report is being generated from the adjoining option
list.
Region Code
Specify a valid region code of the clearing house for which you wish to generate clearing
balance summary, from the adjoining option list.
7-21
Transaction Date
Specify the transaction date. In the report, the system will include all the transactions entered
on the date specified here.
Report Format
Select the format in which you need to generate the report from the adjoining drop-down list.
This list displays the following values:

HTML – Select to generate report in HTML format.

RTF – Select to generate report in RTF format.

PDF – Select to generate report in PDF format.

EXCEL – Select to generate report in EXCEL format.
Report Output
Select the output in which you need to generate the report from the adjoining drop-down list.
This list displays the following values:

Print – Select to print the report.

View – Select to print the report.

Spool – Select to spool the report to a specified folder so that you can print it later.
Printer At
Select location where you wish to print the report from the adjoining drop-down list. This list
displays the following values:

Client – Select if you need to print at the client location.

Server – Select if you need to print at the server location
Printer
Select printer using which you wish to print the report from the adjoining option list.
7.13.1
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the Clearing Balance Summary Report is as follows:
Header
The Header carries the Branch of the report, information on the branch and date, the ID of the
user who generated the report, the date and time at which it was generated and the module
of the report.
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
Status
Indicates the status of the clearing balance
Clearing House
Indicates Clearing house description
Clearing Branch.
Indicates Clearing branch code
Region code
Indicates Region code
Region name
Indicates Region name
Inward Txn date
Indicates the inward transaction date
7-22
Field Name
Field Description
Outward Txn Date
Indicates the outward transaction date
No. Of Inward Cheques
Indicates the number of inward cheques
Inward Amount (LCY)
Indicates the inward amount in local currency
No. of Outward cheques
Indicates Cheque count
Outward amount (LCY)
Indicates the outward amount in local currency
Amount Brought (LCY).
Indicates Sum of all instruments amount
7.14 Liquidated Instrument Report
When a bank issues instruments to its customers and non-customers, they can be issued
against CASA, Cash or GL Account. You can generate ‘Liquidated Instrument Report’ with
complete details of instruments and the corresponding beneficiary. The details are grouped
based on the instrument type.
You can invoke ‘Liquidated Instrument Report’ screen by typing ‘CGRLQINT’ in the field at the
top right corner of the Application tool bar and clicking on the adjoining arrow button.
You can specify the following parameters here:
Branch Code
Specify a valid code of the Branch in which report is being generated from the adjoining option
list.
Liquidation Date
Specify the liquidation date when the instrument was liquidated from the adjoining calendar.
Report Format
Select the format in which you need to generate the report from the adjoining drop-down list.
This list displays the following values:

HTML – Select to generate report in HTML format.

RTF – Select to generate report in RTF format.

PDF – Select to generate report in PDF format.
7-23

EXCEL – Select to generate report in EXCEL format.
Report Output
Select the output in which you need to generate the report from the adjoining drop-down list.
This list displays the following values:

Print – Select to print the report.

View – Select to print the report.

Spool – Select to spool the report to a specified folder so that you can print it later.
Printer At
Select location where you wish to print the report from the adjoining drop-down list. This list
displays the following values:

Client – Select if you need to print at the client location.

Server – Select if you need to print at the server location
Printer
Select printer using which you wish to print the report from the adjoining option list.
7.14.1
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the Liquidated Instrument Report is as follows:
Header
The Header carries the Branch of the report, information on the branch and date, the ID of the
user who generated the report, the date and time at which it was generated and the module
of the report.
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
Reference No
Indicates Reference no
Instrument Type
Indicates Instrument Type
Instrument Number
Indicates Instrument No
Issued Date
Indicates Instrument Date
Currency
Indicates Instrument currency
Instrument Amount
Indicates Instrument Amount
Beneficiary Name.
Indicates Customer Name
Total count & Amount
Indicates Transaction count and amount
7.15 Instrument Issued Today Report
Banks issue various types of instruments like DD/BC/TCs etc to their customers. You can
generate ‘Instrument Issued Today’ report with the details of the customers and the issued
instruments, for the run date. As per regulatory requirements, PAN no. is also maintained for
instruments issued with higher amounts.
7-24
The instrument details are grouped based on the instrument type and currency wise. You can
invoke ‘Instruments Issued Report’ screen by typing ‘CGRINSTR’ in the field at the top right
corner of the Application tool bar and clicking on the adjoining arrow button.
You can specify the following parameters here:
Branch Code
Specify a valid code of the Branch in which report is being generated, from the adjoining
option list.
Instrument Type
Specify instrument type for which you need to generate the report from the adjoining option
list.
Teller ID
Specify a valid ID of the teller for which you need to generate the report from the adjoining
option list.
Report Format
Select the format in which you need to generate the report from the adjoining drop-down list.
This list displays the following values:

HTML – Select to generate report in HTML format.

RTF – Select to generate report in RTF format.

PDF – Select to generate report in PDF format.

EXCEL – Select to generate report in EXCEL format.
Report Output
Select the output in which you need to generate the report from the adjoining drop-down list.
This list displays the following values:

Print – Select to print the report.

View – Select to print the report.

Spool – Select to spool the report to a specified folder so that you can print it later.
Printer At
Select location where you wish to print the report from the adjoining drop-down list. This list
displays the following values:

Client – Select if you need to print at the client location.

Server – Select if you need to print at the server location
7-25
Printer
Select printer using which you wish to print the report from the adjoining option list.
7.15.1
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the Instrument Issued Today Report is as follows:
Header
The Header carries the Branch of the report, information on the branch and date, the ID of the
user who generated the report, the date and time at which it was generated and the module
of the report.
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
Teller ID
Indicates the teller ID
Instrument Currency
Indicates Instrument currency
Instrument type
Indicates Instrument type
Issuer Short Name
Indicates Account description
Instrument Date
Indicates Instrument Date
Instrument Number
Indicates the instrument number
Payable bank
Indicates Payable bank code
Contract Ref no
Indicates Contract reference no
Xref
Indicates Reference no
Instrument Amount
Indicates Instrument Amount
Instrument No
Indicates Instrument No
Account Currency
Indicates Account Currency
Account Currency Amount
Indicates Account amount
Charge Ccy
Indicates Charge Currency
Charge Amt
Indicates Charge Amount
Payable Branch
Indicates the payable branch
Identifier Name
Indicates the name of the identifier
Pan Card Number
Indicates the PAN card number
No of Instruments of this type
Indicates Total no of instruments
Total Amount for this type
Indicates Total amount for each instrument type
Total amount for this currency
Indicates Total amount for each instrument currency
7-26
7.16 Outward Clearing Handoff Report
Outward clearing instruments received from the customers are lodged and sent to end point
clearing for crediting the customer accounts. On the clearing value date, the funds are made
available to the customers. You can generate ‘Outward Clearing Handoff Report’ to list
complete details of outward clearing transaction handoff.
You can invoke ‘Outward Clearing Handoff Report’ screen by typing ‘CGROCGHR’ in the field
at the top right corner of the Application tool bar and clicking on the adjoining arrow button.
You can specify the following parameters here:
From Date
Specify the date from when you wish to generate the report from the adjoining calendar.
To Date
Specify the date till when you wish to generate the report from the adjoining calendar.
Currency
Specify a valid currency in which the outward clearing transaction was handed-off, from the
adjoining option list.
Report Format
Select the format in which you need to generate the report from the adjoining drop-down list.
This list displays the following values:

HTML – Select to generate report in HTML format.

RTF – Select to generate report in RTF format.

PDF – Select to generate report in PDF format.

EXCEL – Select to generate report in EXCEL format.
Report Output
Select the output in which you need to generate the report from the adjoining drop-down list.
This list displays the following values:

Print – Select to print the report.

View – Select to print the report.

Spool – Select to spool the report to a specified folder so that you can print it later.
7-27
Printer At
Select location where you wish to print the report from the adjoining drop-down list. This list
displays the following values:

Client – Select if you need to print at the client location.

Server – Select if you need to print at the server location
Printer
Select printer using which you wish to print the report from the adjoining option list.
7.16.1
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the Outward Clearing Handoff Report is as follows:
Header
The Header carries the Branch of the report, information on the branch and date, the ID of the
user who generated the report, the date and time at which it was generated and the module
of the report.
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
Account Branch
Indicates Originating branch
Clearing Branch
Indicates Transaction branch
Remitter Account
Indicates Payee Account
TXN Seq No
Indicates FCC Contract reference no
Instr No
Indicates Instrument No
Instr Date
Indicates Cheque Issue date
Routing No
Indicates Routing No
Beneficiary Account
Indicates Drawee account
Acc Ccy
Indicates Beneficiary Account currency
Amount
Indicates Instrument Amount
Clg type
Indicates Clearing product code
End Point
Indicates Outward clearing branch
7.17 Float Extension Report
You can generate a float extension report to view the list of cheque transactions processed in
float extension batch.
7-28
You can invoke ‘Float Extension Report’ screen by typing ‘CGRFLTEX’ in the field at the top
right corner of the Application tool bar and clicking on the adjoining arrow button.
Specify the following here:
Branch Code
Select the transaction branch of the float extension from the adjoining option list.
From Date
Indicate the date from which transactions are extended. The system defaults current date.
From Date should be lesser than or equal to ‘To Date’.
To Date
Indicate the date to which the transactions are extended. The system defaults current date.
To Date should be lesser than or greater to ‘From Date’
7.17.1
Contents of the Report
The contents of the report are discussed under the following heads:
Header
The Header carries the Branch of the report, information on the branch and date, the ID of the
user who generated the report, the date and time at which it was generated and the module
of the report.
The selection criteria used for the generation of the report is displayed below the header.
7-29
Body of the Report
Field Name
Field Description
Float Extension Reference
Number
Indicates the Float Extension Reference Number generated
by the system.
Execution Date
Indicate the Date of Execution
Branch Code
Indicates Branch Code
Remitter Account
Indicates the Remitter Account Number
Beneficiary Account
Indicates the Beneficiary Account Number.
Float Days Extended
Indicates the number of Float Days extended.
Status
Indicates the Status of execution.
Old Value Date
Indicates Value Date before float extension.
New Value Date
Indicates Value Date after float extension.
Clearing Type
Indicates the Clearing product code.
Sector Code
Indicates the Sector Code
Clearing Bank Code
Indicates the clearing bank code
Clearing Branch Code
Indicates the clearing branch code
Instrument Number
Indicates the Instrument Number of Cheque/DD/BC
Currency
Indicates the Currency of the Instrument
Instrument Amount
Indicates the Amount of the Instrument
Entry Number
Indicates Entry Sequence Number of Float Extension.
Instrument Date
Indicates the Date of the Instrument
7.18 On Us Transaction Report
You can invoke ‘On Us Transaction Report’ screen by typing ‘CGRPOUTN’ in the field at the
7-30
top right corner of the Application tool bar and clicking on the adjoining arrow button.
7.18.1
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report.
Header
The Header carries the Branch of the report, information on the branch and date, the ID of the
user who generated the report, the date and time at which it was generated and the module
of the report.
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
Account Number
Indicates the account number
Customer Name
Indicates the name of the customer
Debit/Credit Indicator
Indicates whether the transaction is credit or debit
Currency
Indicates the currency of the account
Amount
Indicates the amount
Instrument Number
Indicates the instrument number
Description
Gives brief on the transaction
Value Date
Indicates value date
Input Branch
Indicates the input branch
Maker ID
Indicates the identification of the maker of the record
Input Date
Indicates the date of input
Reference Number
Indicates the reference number
7-31
8. Annexure I
8.1
Order of Replacement of Parameters with Wild Card
Entries
Branch
Product
Offset
Currency
Txn
Currency
Customer/Customer
Group
Txn Brn
Product
Ofs CCY
Txn CCY
Customer
Txn Brn
Product
Ofs CCY
Txn CCY
Customer Group
*.*
Product
Ofs CCY
Txn CCY
Customer
*.*
Product
Ofs CCY
Txn CCY
Customer Group
Txn Brn
Product
*.*
Txn CCY
Customer
Txn Brn
Product
*.*
Txn CCY
Customer Group
Txn Brn
Product
Ofs CCY
*.*
Customer
Txn Brn
Product
Ofs CCY
*.*
Customer Group
Txn Brn
Product
Ofs CCY
Txn CCY
*.*
*.*
Product
*.*
Txn CCY
Customer
*.*
Product
*.*
Txn CCY
Customer Group
*.*
Product
Ofs CCY
*.*
Customer
*.*
Product
Ofs CCY
*.*
Customer Group
*.*
Product
Ofs CCY
Txn CCY
*.*
Txn Brn
Product
*.*
*.*
Customer
Txn Brn
Product
*.*
*.*
Customer Group
Txn Brn
Product
*.*
Txn CCY
*.*
Txn Brn
Product
Ofs CCY
*.*
*.*
*.*
Product
*.*
*.*
Customer
*.*
Product
*.*
*.*
Customer Group
*.*
Product
*.*
Txn CCY
*.*
*.*
Product
Ofs CCY
*.*
*.*
Txn Brn
Product
*.*
*.*
*.*
*.*
Product
*.*
*.*
*.*
8-1
9. Annexure II
9.1
Different Currency Combinations- Rate Code and Rate
Type Pickup
Currency 1
Currency 2
Specific Main Currency
Specific Offset Currency
Specific Offset Currency
Specific Main Currency
Specific Main Currency
*.*
*.*
Specific Main Currency
*.*
Specific Offset Currency
Specific Offset Currency
*.*
*.*
*.*
9-1
10. Function ID Glossary
CGRLQINT ...............................7-23
CGROCFTN .............................7-11
CGROCGHR ............................7-27
CGROCLRS .............................7-17
CGROCSAR .............................7-19
CGRPOUTN .............................7-30
CGSBRNCT .............................3-12
CGSQUERY ...............................6-2
CLDFNPRD ................................4-1
C
CGDBRNCT ............................. 3-10
CGDBRNPM .............................. 3-5
CGDCLGDT ............................... 6-9
CGDINWCT ............................... 3-9
CGDLTCLG ............................... 3-6
CGDQUERY .............................. 6-1
CGDRJMNT ............................... 6-8
CGRBLSUM ............................. 7-21
CGRCDTOD ............................ 7-13
CGRCHREV .............................. 7-6
CGRCLFPS ............................... 7-7
CGRCLGPS ............................... 7-3
CGRCLREF ............................... 7-4
CGRFLTEX .............................. 7-29
CGRICLRS .............................. 7-15
CGRINCLG ................................ 7-9
CGRINCLR ................................ 7-1
CGRINSTR .............................. 7-25
D
DEDBNKCD ...............................3-3
F
FTDRCST ...................................6-4
S
STDCLDMT ..............................3-13
STDENDMT .............................3-15
STDSECMN ...............................3-2
10-1
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