Claim closure procedure for any type of account in DOP Finacle

• Generally if the investor/depositor of an account expires then the accounts associated with that investor/depositor can be claimed by the claimant ( Nominee if available or Legal heir) which is known as Claim Closure.
• We initially take all the supported documents and after proper verification of documents the concerned higher level official will sanction the claim closure.
• Claim closures for any account should be done only after sanction by the sanctioning authority.
• After sanctioning,  claim closures can be done in any CBS office as per the SB order 08/2015 Scenario 5 and Scenario 6.
• Step by step procedure of claim closures in DOP Finacle is mentioned below

Step by Step procedure of Claim closures in DOP Finacle

Change the depositor status to Deceased at CIF Level

• Before invoking the closure menu we have to make the customer status to Deceased and enter the date of death at CIF level using the menu CMRC.
• In counter PA login invoke the menu CMRC and select the function as Modify then the system will show the following screen

•  Enter the CIF id and then click on Go as shown in the figure

 Then the system will display the customer details as shown in the below figure.

In the customer details enter the following detailed mentioned below
1. change the Customer status to "Deceased" 
2. Enter the filed Date of Death __________________ as mentioned in the below figure

Then click on Submit and verify in the supervisor.

Closure of the account using the reason code as Death claim.

• After modifying the customer status toDeceased  then we have to proceed for the account closure.
• Use the account closure menu for the respective scheme i.e.

1. For SB/PPF account -- Use the menu HCAAC.
2. For RD account-- Use the menu CRDCAAC.
3. For NSC/KVP certificates--- Use the menu CSCCAAC.
4. For MIS/TD/SCSS account--- Use the menu HCAACTD

• For example if we are closing the SB account then invoke the menu HCAAC then the system will show the below screen.

Then enter the below details

Enter the field account ID __________
Select the Transaction Type as "Transfer"
Enter the Transaction A/c ID. "Postmaster A/c id" (SOLID+0340)  because payment of claim closure should be through cheque only as mentioned in the below screen shot

Then click on Go then the system will display the  account information details as mentioned in below screen shot

Then click on Closure tab then the system will show below screen and in the closure reason column select the reason code as "DTCLM"  (This is mandatory for claim closures as the system will calculate the interest based on the closure reason code) which is mentioned in the below screen shot

Then click on Submit and verify in the supervisor.


Note:- 

1. After successful closure of account using the claim closure then make the CIF as Suspended by using the menu CMRC so that no one will open the accounts using the Deceased CIF.
2. Some of the users are changing the CIF status to Suspended CIF before closure of account which results in the error while closing the account hence make sure close the account and then change the CIF to suspended state,

Standing Instruction In DOP Finacle

Standing Instruction In DOP Finacle

• Standing instruction in DOP Finacle can be given from SB account to RD account by using the menu HSSIM menu.
• HSSIM stands for Standing Instruction Maintenance.
• Note that for giving the standing instructions from TDA accounts(SCSS,MIS and TD) accounts to SB accounts we should not use this menu.
• For giving the standing instructions for TDA accounts(SCSS,MIS and TD) accounts we have to go for account modification menu and enter the interest credit account as SB account number of the customer and submit and verify in the supervisor.
•  For giving the standing instruction from SB to RD invoke the menu HSSIM and select the function as "ADD" then click on Go as shown

Then the system will ask to enter the following in the header details

• Select the Standing Instruction Type as "customer induced"
• Enter the CIF Id of the customer in the field CIF ID.
• Select the Standing Instruction Frequency as Monthly,date and Previous day as shown
• Select the field execution time as "B-after change of Date"
• Enter the filed Next execution date as "give the next execution date"  as shown in the figure

Then click on instruction details then the system will ask to enter the following

Debit Entry

• Select the CCY filed as "INR"(Indian Rupee)
• Enter the account id of the customer "SB account number of the customer"
• Select the amt type field as "Fixed"
• Select Debit/Credit field as "Debit"
• Enter the amount field "as amount of RD amount" as shown

Then click on Add as shown then the system will ask to enter the following

Credit Entry

• Select the CCY filed as "INR"(Indian Rupee)
• Enter the account id of the customer "RD account number of the customer"
• Select the amt type field as "Fixed"
• Select Debit/Credit field as "Credit"
• Enter the amount field "as amount of RD amount" as shown

Then finally click on submit then the system will generate the standing instruction number as shown

Then note down the instruction number and verify the same in the supervisor.

Useful tips for new Finacle users in DOP Finacle

The following are some of the important tips for new Finacle users in DOP Finacle

1. When a new user is login Finacle then login with the user id provided by the concerned CPC and the password for the first time will be dop.1234 then the system will ask to change the password hence change the password.

2. After login to the Finacle application before starting the transactions one should take the cash from the Vault account ( Vault account is same as treasury in DOP terminology).

3. The process of Vault operation i.e., taking the cash from Vault account (generally Vault account is SOLID+0406) and giving the cash to Vault account c. In order to find the step by step procedure to know about the Vault operation CLICK HERE .

4.  After taking the cash we have to perform the transactions received in the counters.Some of the important menus generally we use in the finacle are as follows

Finacle Menu List

CIF ID Related Menus:-

1	CDEDUP	This menu is used to check whether the customer is already an existing customer or not.
2	CCRC	For creation of New CIF ID if the customer is new to DOP. We have to collect the KYC documents from the customers and the same should be entered in this menu.
3	CCRC	After creation of CIF by the counter PA it should be verified by the supervisor. For verification of CIF ID is also we use the same menu
4	CMRC	This menu is used for CIF Modification for an existing CIF ID. If we want to change the address details or customer status or KYC document details we use this menu
5	CMRC	When the customer is deceased then we have to change the status of the customer to “deceased” for this purpose we use this modification menu for suspending the CIF ID.
6	HCCA	Merger of CIF ID—this menu is used to merge the CIF ID i.e., when we want to change the CIF ID for a particular account in case of transfer of certificates
7	HCRV	Inquiring of CIF IDs (Customer Relationship View) --- This menu is used to know the number of accounts existing for a particular CIF ID

SB ACCOUNT related menus

1	CASBAO	This menu is used for opening of a savings account.
2	CASBAV	This menu is used for verification of an opened savings account
3	CASBAOM	For modification of an account BEFORE verification
4	CASBAM	For modification of an account AFTER verification
5	CTM/CXFER	For funding of amount by mode of cash and transfer transactions respectively
6	HPBP	This menu is used for Pass Book Printing
7	HCAAC	To close a savings account and for verification for closure
8	CNAC	Finding out the new account number from the Old account number.

TD ACCOUNT related menus

1	CMISAOP	To open a TD account
2	CMISAOPV	To Verification of TD a/c by Supervisor
3	CMISAOPM	To modify an account before verification
4	CMISAM	To modify an account after verification
5	CTM	Fund an account by cash
6	CXFER	Fund an account by through transfer
7	HTDTRAN	Transaction inquiry to know the number of installments generated by system.
8	HTDREN	To renew a TD account
9	HCAACTD	To close a TD account
10	HCAACVTD	Verification of closer

MIS ACCOUNT related menus

1	CMISAOP	To open an account
2	CMISAOPV	Verify the account
3	CMISAOPM	Modification Before Verification
4	CMISAM	Modification After Verification
5	HCAACTD	For closure/ pre-closure of the account,
6	HCAACVTD	Verification by supervisor of closer operation
7	HTM	Interest to be paid by debiting SUNDARY DEPOSIT MIS

SCSS ACCOUNT Related menus

1	CSCAOP	For opening an SCSS deposit account
2	CSCAOPM	Modification BEFORE Verification
3	CSCAOPV	The account opening verification
4	CSCAM	Account modification AFTER Verification
5	HCAACTD	Closure of an SCSS account

RD ACCOUNT related menus

1	CRDOAAC	For opening of recurring deposit account
2	CRDOAACV	Verification of opening
3	CRDOAACM	Modification in the account before verification
4	CRDACM	Modification in the account After verification
5	CRDP	RD Account transaction maintenance
6	CRDCAAC	For closure of recurring deposit account
7	CRDCAACV	Verification of the closure account

PPF ACCOUNT related menus

1	CPPFAO	To open a PPF account
2	CPPFAV	Verification
3	CPDTM	Funding and for all the future deposits in the PPF account
4	CPWTM	Partial  withdrawal
5	HAFSM	To unfreeze the account
6	CPPFAOM	PPF A/c can be modified before verification
7	CPPFAM	PPF A/c modification after verification
8	HCEXTN	PPF A/c Extension
9	HCAAC	To close a PPF account

NSC/KVP ACCOUNT related menus

1	CSCOAAC	For Opening a NSC Account
2	CSCOAACV	To Verify the certificate issue
3	HDRP	For printing NSC
4	CSCOAACM	Modification of an NSC account can be done BEFORE Verification
5	CSCACM	Modification AFTER Verification can by the Supervisors by the same menu option
6	HPR	Report can be viewed
7	CSCACM	For modification of a KVP account
8	CSCCAAC	For premature closure/closure on maturity of a KVP
9	HCCA	Transfer of KVP Account from one customer to another Customer
10	CNSBCV	Certificates bulk discharge and verifications.  Payment mode should be transfer only.  Cash payment not possible

LOAN AGAINST RD ACCOUNT related menus

1	CAOLARD	To open a loan account against RD
2	CAOMLARD	For Modification Before Verification
3	CACMLARD	For Modification After Verification
4	CAOVLARD	Verification
5	LARDD	For disbursement of the sanctioned amount
6	HLAUPAY	For making unscheduled payments (for both bullet and monthly installment loans
7	HLASPAY	For making scheduled payments ( for monthly installment loans
8	HPAYOFF	For closure of the account
9	HPAYOFF	Verification of closer

LOAN ACCOUNT AGAINST A PPF ACCOUNT related menus

1	CLPPFAO	To open a loan account against PPF
2	CLPPFAOV	Verification
3	CLPPFAOM	Modification before verification
4	CLPPFAM	Modification after verification
5	CPWTM	For PPF Withdrawal, Loan Disbursement and Interest Recovery
6	HACINT	Invoke the menu option CLPR and HACINT before proceeding with account closure
7	CPDTM	For the repayment of the loan and closing the loan account
8	CPDTM	Verification

 

5. After performing all the transactions teller should check the balance using the menu HTCPIAEand submit the cash to Vault account using the menu HTM.

6. Then take the reports using the menu HFINRPT  for LOTs and consolidations.

7. After taking the reports check whether any transactions are pending by using the menu HFTI select transaction status as "Entered" and  "Posted" both should be NILL. Procedure is mentioned below for reference.

Invoke the menu HFTI then the screen will be as shown

Then select the transaction status as "Entered" as shown

Then click on GO then the system will show the list of pending transactions if any clear all the transactions and if no verifications pending then the system will display message "No records  were fetched" as shown

Similarly check for Transaction status as "Posted" as shown

Then click on Go then the system will show the list of transactions if verifications are pending, clear the pending transactions by verifying them. If all the transactions are verified then the system will show message ""No records  were fetched" as shown

8. Invoke the menu HFINRPT ans select the report "EOD Blockin Validation Report" slno 32 in the page 3. click on it then the system will show the below screen

Click on this report then the system will show below screen

Enter the SOLID and submit view the report in HPR the report should be NILL.

9.If any account closure verification is there then the system will not show in blocking validations and even in HFTI. Only option is to find using the menu HAFI

10. Then check whether any closures are pending using the menu HAFI  then the system will display the screen as shown

Then enter the following details as mentioned below

•   Enter the filed Entered by "userid of teller"
• Enter the field entered on"today's date'
• Select the filed authorized as "Not authorized"  as shown 

Then click on the Go then the system will show the list of pending transactions which are unverified by the supervisor and if all the transactions are verified then the system will display the screen as 'No records fetched" as shown

11. Then finally we have to perform the EOD by using the menu HSCOD and submit.

RD bulk list preparation procedure in DOP Finacle

RD bulk list preparation procedure in DOP Finacle:-

• Agent Portal can be accessed using the the website https://dopagent.indiapost.gov.in
• Every MPKBY/PRSS agents will get the usernames and passwords at the time of migration to Fiancle by the DOP IT Chennai.
• All the accounts linked to a particular agent will be displayed one the agent logons to web portal.
• Separate lists to be prepared for Cash/DOP Cheque(POSB Cheque) and NON DOP Cheque.
• The accounts opened before 15th should be paid on or before 15th and the accounts opened after 15th can be paid on or before last day of a month.

RD Bulk list preparation procedure:-

• Open the URL for RD agent portal then the system will ask to enter the username and password enter both of them as shown

•   Then click on login then the system will ask to change the password after the first login then change the password.
• Note that the system will give you chance to enter the password maximum of 10 times for unsuccessful attempts.
• After entering the username and password then the system will show the following screen

• Then click on Accounts tab as shown

Then click on Agent inquire and update screen as shown

Then the system will show the list of accounts attached to that agent as shown

Then select the mode of payment i.e., select mode as cash/dop cheque or non dop cheque as shown

• Then in the next step select the list of account numbers you are trying to pay in the list for suppose if you are paying for 5 customers we have to select the 5 account numbers. 
• Account numbers in the agent portal will be in ascending order so select them. For example if your 1st account number is in page1 select it and if next account number is page3 go to page3 and select the account number in this way select 5 account numbers in our example as shown and then click on save.

• Note that after selecting all the account numbers only click on save maximum of 50 account numbers can be selected for 1 list for maximum of 10000 for cash and no limit for cheque.
• Then in the next screen it will display the selected accounts as shown

FOR CASH MODE:-

• Select first account number enter the no of installments and then click on get rebate and default then system calculates the default and rebate automatically as shown and enter the ASLAAS number of the customer and then click on save

FOR DOP/NON DOP Cheque:-

• Select the account number enter the no of installments,enter the cheque number,enter the account number for RD installment(Bank account number on the cheque) and ASLAAS number and then click on save.

Then the system will show the message "installment saved successfully" as shown  then the modified column for first record will change as "YES"

• Then select the second record enter the no of installments,ASLASS number and then click on save as shown repeat this step for all the records.
• After saving for all the records i.e., modified column will be "YES" for all the records then finally click on  pay all modified installments as shown

• Then click on pay all modified installments then system will generate the reference number with "C" as shown for cash,DC for DOP cheque and NDC for non dop cheque.

• Then click on reports as shown 

Then enter the list reference number "________" and select status as "sucess" and then click on search then finally click on "OK" as shown

 

Then after clicking a PDF file will be generated take 2 copies and submit in the counter as shown in the below figure.

The detailed step by step procedure can be watched in the above video for preparation of RD bulk list  for DOP Finacle.