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CORE

BANKING
SOLUTIONS
FINACLE

MANUAL Accounts
Automatic Ledger Posting Machines ALPMs

ISBS, BankMaster, Mydas, Kindle


Core Banking Solutions Finacle, Flexicube
(TCS),

Auditing banks in computer environment, calls for


better knowledge of computer in general and
specific computer software application in
particular.
RBI and GOI are moving towards the stage where
100% of all Returns come directly from the banks
computerised Accounting background without any
manual intervention.

RBI desires to extract, by themselves, information


directly from Banks CBS without Banks collecting,
editing and submitting the same.

General Set up
Production Server -30 days limitation
Report Server - Tailor made reports
Special Modules for special activities such as Foreign Exchange, Bills Purchased,
Service Branch (City Back Office), Pension, Government Business etc., embedded
into the main module.
Multi currency P & La/c and Balance Sheet, with daily revaluation complying with
AS 11.
Head office has also been brought under CBS Module in almost all banks. To the
extent feasible all accounting units Extn. Counters, Service Branches, Personal
Banking, Zonal / Regional Offices have been brought under CBS.

Only quarter / half year / year end adjustment entries such as giving effect to MOCs
from Branches,
Provision for claims against the bank not acknowledged as Debt,
Depreciation on Fixed Assets,
Provision for Standard Assets and Provision for Bad and Doubtful Debts,
Provision for Employees Benefits (Revised AS 15)
Provision for Taxation,
Proposed Dividend, Dividend Tax thereon,
Appropriation to Reserves,
are outside the CBS.
These entries can be passed only much later after the closure of the quarter. The Start
of the Day (SOD) of the Ist working day of the following month cannot be wait for these
entries. These are normally through stand alone PC in Head Office Accounts / Finance
Department which is exclusively checked by one of the Statutory Central Auditors.
This incidentally enables banks to maintain secrecy over the working results.

CUSTOMER MASTER MENU


Customer Master Menu contains all important and necessary information about
the customer..
NAME
GENDER
MINOR
NON RESIDENT
EMPLOYEE ID
ADDRESS

SHORT NAME
MARITAL STATUS
DATE OF BIRTH
DATE OF REGISTRATION
COMPANY ID NO
REGISTERED OFFICE

MOBILE NO
EMAIL ADDRESS

PAN CARD NO
PAN ISSUED BY
INTRODUCERS

NAME
ACCOUNT NO.
ADDRESS

RELATIONSHIP
HOW LONG KNOWN
PIN CODE

Please note that some menus are not made available to auditors such as HCUMM, GMM

CUSTOMER MASTER MENU


IDENTIFICATION DETAILS
DRIVING LICENCE NO
ISSUED BY
VALID UPTO

ELECTORATE ID NO
ISSUED BY
ISSUED DATE

PASSPORT NO
ISSUED BY
VALID UPTO

OTHER ID NO
ISSUED BY
VALID UPTO

CIBIL DATA
DUNS NO
WILLFUL DEFAULTER
DATE OF CLASSIFICATION AS A WILLFUL DEFAULTER

OTHER DETAILS
SENIOR CITIZEN
ANNUAL INCOME
EXTERNAL RATING

LINE OF ACTIVITY
TURNOVER
EXTERNAL RATING

HOTKEYS
F1

HELP

F2

LIST

F3

BACK

F4

ACCEPT

F5

BACKGROUND

F6

NEXT BLOCK

F7

QUERY

F8

COPY

F9

SIGNATURE

F10

COMMIT

F11

NEXT FIELD

HOT KEYS
F12

PREVIOUS BLOCK

ENTER

NEXT FIELD

SHIFT+ F4

SELECT

CONTROL + E

FIELD DETAILS

CONTROL + D

PAGE DOWN

CONTROL + U

PAGE UP

CONTROL + X

BOD / DATE

CONTROL + F

RESET THE FIELD

SOME IMPORTANT JOBS AND CORRESPONDING MENU


ACLI

Customer Account Ledger Inquiry

ACI

Customer Account Inquiry

ACINT

Interest Run for the account

ACM

Modifying an operative account

ACLHM

Account limit history/Drawing Power Maintenance

ACSP

Account Selection Printing / List of NPA Accounts

ACTODI / TODCS

Account TOD Enquiry

ACDREV

Account Review Due date diary

ADVINT

Interest Rate Report on a Current Day

AINTRPT

Interest Report for Accounts

ASSCR

Asset Classification Report

ATI

Abnormal Transaction Enquiry

ATO / ATOR

Account Turnover Report (For CC, TOD, A/cs.)

SOME IMPORTANT JOBS AND CORRESPONDING MENU Contd..


CHGIR

List of Service Charges Recovered

CLL

Collateral linkage lookup

CLMRPTS

Security register module report

CUMM / CUMI

Customer Creation & Master maintenance

EXCPRPT

Exception Report

GR

GL & PL Abstract Report

HCUMM / CUMI

Customer Master Menu

IOGLT

Inquire on GL Transactions

INTPRO

Deposit Interest Provision Report

ITCI

Interest Table code Inquiry

IARMREP

Report on Interest Adjustment due to value date transactions.

LADRPT

Report on Loan Against Deposit

SOME IMPORTANT JOBS AND CORRESPONDING MENU Contd..


LALIEN / ALM

Loan lien marking

LAOPI

Loan overdue position enquiry

LAPAY

Loan repayment menu.

LTL

Limit Tree Look Up

LVSI

Inquiry on loan interest version

MINTRPT

List of Manual debits to various P & L Heads

MEAC

Modification to Asset classification

OVDINT

Renewal of Overdue Term deposits (after 14 days)

PCARPT

Report on Outstanding Packing Accounts

POVDPC

Overdue PC report Party wise

SRM

Linking all types of securities to the account

SCWRPTA

Cash Scroll - Receipts and Payments

SUPPLM

Supplementary

SOME IMPORTANT JOBS AND CORRESPONDING MENU (Contingent


Liability) Contd..
DCEXPLST

Report on Expiring Documentary Credit

FBI

Foreign Bill enquiry

FXTR

Forex Turnover Report

FWCRG

Forward Contract Register

GMM

Guarantee Master Maintenance

GILR

Guarantees Issued cum Liability Register

GENR

Report on Guarantee Expired but not reversed

IDCM

Inward Documentary Credits Maintenance

ODCM

Outward Documentary Credits Maintenance

Account wise Interest Rate menu will give account code wise (CCA, ODA, LAA)
as well as scheme wise the following details.
Rate of Interest, Limit, Balance Outstanding, Interest Table pegged flag, Customer
Preferential Rate, Account Preferential Rate, Min. ROI, Max.ROI, Effective interest
rate etc.,
There are specific menus (command may vary from bank to bank) to ascertain list of
CCA, ODA, LAA, even Fixed Deposit where interest has not been applied. For
eg.,Interest fail report > CC /OD/ Loans. Interest fail report > Term Deposit
Similarly For getting the details of Premature closure of FDRs during certain
period, or for accounts where excess drawings were allowed etc., there are bank
designed reports which the branch is taking daily reports and preserving.

WORKCLASS
DESIGNATION
CLASS
CUSTOMER
CUS
CLERK
CLERK
SWO 1
SWO1
SWO 2
SWO2
HEAD CASHIER 1
HC1
HEAD CASHIER 2
HC2
SPL. ASST
SPA
ASST MANAGER
AM
MANAGER
MAN
SENIOR MANAGER
SRM
ZONAL HELP DESK
ZOHD
CHIEF MANAGER
CM
ASST. GENERAL MANAGER
AGM
DY.GEN.MANAGER
DGM
SECOND IN COMMAND IN BRANCH ABH
BRANCH MANAGER
BH
AUDITOR INTERNAL
AUDIN
AUDITOR EXTERNAL
AUDEX
GENERAL MANAGER
GM
EXECUTIVE DIRECTOR
ED
CHAIRMAN & MANAGING DIRECTOR CMD

CODE
25
50
60
70
80
90
100
150
200
300
355
400
550
600
850
900
350
360
700
750
800

INTEREST EXPENSES

COD (Cost of Deposits)

Cost of Deposits = Interest paid on deposits / Average deposits


Cost of Deposits (only FDRs) = Interest paid on FDRs / Average FDRs
Compare the COD of this year preferably the FDRs cost alone with last half year /
last year to know any abnormality.
Interest rate on SB a/c being 4%, the cost of SB deposits will be less than and
very close to 4%
Get the menu of Interest payable on FDRs (including on reinvestment plan by
whichever name it is called) {AINTRPT} and ensure that the interest accrued up to
the date of the Balance Sheet on all outstanding FDRs have been provided for.
Peruse this list for any abnormal rate of interest. There are special rates given to
Sr. Citizens, Bulk deposits all can be verified by going through the list. Report
Server REPORTS > DEPOSITS > TDPREF.
Interest on Overdue deposits has to be provided for as per the Banks policy, as
these Overdue deposits will be renewed after sometimes and banks give interest
with retrospective effect.

INTEREST INCOME

YOA =Yield on Advances

YOA = Interest received on Advances / Average Performing Advances .


Here again we have to get the YOA of last half year / last year and compare them to know
any abnormality. Go through the menu of interest rates loan wise and scrutinse them to
know the abnormality.
YOA should normally be near to base rate as nowadays except Govt. sponsored and
priority schemes, all advances are lent at base rate + some margin.
If the branch has any FITL (Funded Interest Term Loans) the same should be fully provided
for. Normally it is done at Corporate office level for the bank as a whole.
Please ensure that interest unrealised on NPAs is reversed in full. If need be please pass
MOCs.
Get the list of CC/OD/Loans where interest has not been applied.

There are certain advances on which interest is not debited to the account, for eg.,
Agricultural Advances, Simple Interest accounts, and those accounts where the client wants
the interest to be debited to the account only on the due date for repayment. In all such
cases interest up to 31st March is calculated by the system reckoned as interest income,
parked in Interest Accrued and Receivable and will be reversed on the next working day.

HOW TO CHECK THE INTEREST RATE THAT IS BEING APPLIED ON A LOAN


ACCOUNT?
In the report server after logging in with the user ID and password, write the menu
option ALI. In the next screen key in I (For Inquire) in the top left corner box.
If you know the Customers A/c No., key in. Or else use F2 key to find out the
customer account no. by keying in the customers name.
In next screen scheme details will appear and there in the given box ,insert 0 (zero)
press F4.General Account details will appear.
Press F6 and you will get the screen giving the interest rate details.
Caution should be exercised in respect of the accounts linked to BPLR, Base Rate
and customer preference rate.
Sample testing of accounts linked to Base Rate, PLR of earlier years, other floating
rates such as linked to Lead Banks PLR/ Base rate etc, and Fixed Rates. In some
banks LAD, SOD products need full interest rate is to be keyed in A/c Preferential Dr
and not the difference between deposit rate and lending rate. In OCC, TL etc., the
difference between Base rate (or BMPLR) and the actual rate should be keyed in A/c
Preferential Dr

IMG_20140312_151443422_HDR

Income and Expenditure (incl. interest items)


Scrutinise the Profit and Loss accounts for the last 2 half years as to whether there are
any abnormal increase or decrease. If so, enquire the reasons and satisfy the
genuineness of the same.
Guarantee commission, Locker Rent, LC commissions are not normally appropriated
over the residual maturity but accounted on cash basis, which is a deviation from AS9.
Study the banks accounting policy.
Normally, in CBS scenario, the interest on outstanding deposits is arrived at and provided
for on 25th or 26th March for the period up to the end of the month. In such cases

Auditors should see that interest is provided for on accounts opened after 25th of
March.
Please look into any manual debit income items (MINTRPT) including Interest Income. All
debits should be authorised by the branch head.
Provision should have been made at branch level for all usual expenses incurred but not
yet paid. Please go through the complaints, claims and cases against the bank and if
any claim needs to be provided please get it done through MOC.

Provision for Standard Assets including Restructured Assets is normally provided


for at Central Office level. Auditors should check the relevant statements which
C.O calls for from the branches in this regard. For this, the Standard Assets are
grouped under Agriculture, Medium & SME, Commercial Real Estate Residential
Housing Sector, teaser and restructured, etc and different %age of provisions has
been prescribed. The statement should be checked from Finacle by the Auditors.
The hard copy of the statement may be test checked by applying sample testing.
AT central office level, the SCAs check the same through the SQL.
Similarly, Priority Sector classifications.and Basel II & Basel III risk weighted assets
classifications are to be checked from the Finacle. MIS report Codes and GL Sub
codes specify whether the account is a priority sector if so whether SME,
Agriculture, P & SE, etc., and these can be verified at branch level by the auditors.
Similarly, Housing Loan where LTV is < 75%, Housing loans up to Rs.25 / 30 lakhs
are all given separate MIS / GL Sub code and verifiable at branch level.
Restructured accounts have to be individually to be checked as it can emanate
from any category of borrowers.
Basel II & III capital adequacy calculations (Capital / Risk Weighted Assets) are
done at Corporate level and SCA s check the same with the help of SQL.

NPA stipulations are equally applicable to staff loan accounts as well subject to
only such normal concessions as per Banks policy such as interest is payable
after the entire principal is repaid and interest will be simple interest etc.

PROXY A/c This is a suspense account where debits are parked in respect of
those accounts wherefrom the charges (such as charges for not maintaining
minimum balance) could not be recovered for want of sufficient credit balance.
Auditors should test verify the credits in this account relate to either recovery of
the charges by corresponding debit to the deposit account or reversal of such
irrecoverable charges to the debit of the same revenue head (charges for not
maintaining minimum balance).
Peruse all suspense heads to ascertain whether any debit entry needs
provisioning.

POINTING A/CS
In Finacle Sundry Debtors & Creditors are known as pointing a/cs since
entries made in these heads are to be reversed point to point e.g. a credit
entry of Rs 200/- can only be reversed for the same amount, no change in
amount is accepted. However part amount is accepted.
INTERMEDIARY ACCOUNTS:
Any credit to loan account by way of clearing cheque is routed through this
intermediate office account and the loan account will be credited only after the
clearing cheque has been honoured.

PARTITION A/CS
Partition A/Cs are those A/Cs where additional details are required to be
entered. Subsidy Reserve Fund a/c is a partition a/c where details of Loan a/c
having subsidy portion are to be entered account wise.

HO TRANSACTIONS (IBCN ISSUE / IBCN PAID)


HO transactions are usually of the following types O=Originating (When HO a/c
is credited)
R=Responding (When HO a/c is debited) P=Parking (When funds are parked in
the following a/cs such as (xxxx1060115009) = IBCN PAID a/c,
(xxxx1060115008) = FUND IN TRANSIT a/c or (1040020001) =CASH
REMITTANCE IN TRANSIT) and A=Adjusting (When HO is debited for adjusting
parking a/c entries).
In TM menu while crediting HO a/c in the 'Visit Screen' option it should be
O=Originating (e.g. Issue of IBCN). In the next screen category codes and other
details should be entered as relevant.
Similarly, while reversing IBCN 'Visit Screen' will be R=Responding. In the next
screen put the category code, branch from where IBCN has been received,
Advice No. = IBCN NO, Advice Dt= IBCN Date and Bill no= DOC NO.
In TM menu while debiting IBCN Paid a/c in the 'Visit Screen' option put P =
Parking, Enter details of transaction in the next screen While adjusting this entry
by Debiting HO a/c, visit screen should A = Adjusting along with the relevant
details.

Irregular / Potential NPA / Watch category Accounts


Every bank has the mechanism of tracking down on daily basis accounts which are
irregular or watch category and it is highly potential of becoming of a NPA . Call for
the statement of irregular accounts and scrutinise for possible NPA.
Peruse the concurrent auditors reports for the last 6 months; go through the
Internal Inspection report for knowing probable NPAs.
Get the list of accounts that were subjected to Restructuring / rescheduling /
rephasing in the current financial year.
The accounts can become NPA due to Financial reasons such as Interest has not
been serviced for or principal due has not been paid for
or in case of CC
account the credit in the accounts are not even sufficient to meet the interest
debited in the last 90 days.
The account can become NPA for non financial reasons such as non renewal of
limits within 180 days from the due date or non receipt of stock statement for more
than a quarter.

Adv Date Limit DP

O/s

O/d

EMI

Remarks

02/ 2008 16.50 19.00

19.58

0.58

0.28 20 years EMI moratorium 24m

09/2003 15.00 16.13

16.63

0.50

0.17 30 years EMI moratorium 24m

01/2004 25.00 20.00

42.48

22.48

Agrl. Term Loan for grapes

RBIs directives on identifying NPAs


2.1 Non performing Assets
2.1.1 An asset, including a leased asset, becomes non performing when it ceases
to generate income for the bank.
2.1.2 A non performing asset (NPA) is a loan or an advance where;
i. interest and/ or installment of principal remain overdue for a period of more
than 90 days in respect of a term loan,
ii. the account remains out of order as indicated at paragraph 2.2 below, in
respect of an Overdraft/Cash Credit (OD/CC),
iii. the bill remains overdue for a period of more than 90 days in the case of bills
purchased and discounted,
iv. the installment of principal or interest thereon remains overdue for two crop
seasons for short duration crops,
v. the installment of principal or interest thereon remains overdue for one crop
season for long duration crops.
1.3 In case of interest payments, banks should, classify an account as NPA
only if the interest due and charged during any quarter is not serviced fully
within 90 days from the end of the quarter.

2.1.4 In addition, an account may also be classified as NPA in terms of paragraph


4.2.4 of this Master Circular.
2.2 Out of Order status
An account should be treated as 'out of order' if the outstanding balance remains
continuously in excess of the sanctioned limit/drawing power. In cases where
the outstanding balance in the principal operating account is less than the
sanctioned limit/drawing power, but there are no credits continuously for 90 days
as on the date of Balance Sheet or credits are not enough to cover the interest
debited during the same period, these accounts should be treated as 'out of
order'.

2.3 Overdue
Any amount due to the bank under any credit facility is overdue if it is not paid
on the due date fixed by the bank.
4.2.3 Availability of security / net worth of borrower/ guarantor
The availability of security or net worth of borrower/ guarantor should not be taken
into account for the purpose of treating an advance as NPA or otherwise, except to
the extent provided in Para 4.2.9.

4.2.4 Accounts with temporary deficiencies


The classification of an asset as NPA should be based on the record of recovery.
Bank should not classify an advance account as NPA merely due to the existence
of some deficiencies which are temporary in nature such as non -availability of
adequate drawing power based on the latest available stock statement, balance
outstanding exceeding the limit temporarily, non -submission of stock statements
and non -renewal of the limits on the due date, etc. In the matter of classification of
accounts with such deficiencies banks may follow the following guidelines:
Banks should ensure that Drawing power is required to be arrived at based on the
stock statement which is current. However, considering the difficulties of large
borrowers, stock statements relied upon by the banks for determining drawing
power should not be older than three months. The outstanding in the account
based on drawing power calculated from stock statements older than three
months, would be deemed as irregular.
A working capital borrowal account will become NPA if such irregular drawings are
permitted in the account for a continuous period of 90 days even though the
unit may be working or the borrower's financial position is satisfactory

.
ii) Regular and ad hoc credit limits need to be reviewed / regularised not later than
three months from the due date/date of ad hoc sanction. In case of constraints
such as non- availability of financial statements and other data from the borrowers,
the branch should furnish evidence to show that renewal/ review of credit
limits is already on (emphasis added) and would be completed soon. In any case,
delay beyond six months is not considered desirable as a general discipline.
Hence, an account where the regular / ad hoc credit limits have not been reviewed
/ renewed within 180 days from the due date / date of ad hoc sanction will be
treated as NPA.
4.2.6 Accounts regularised near about the balance sheet date
The asset classification of borrowal accounts where a solitary or a few credits are
recorded before the balance sheet date should be handled with care and without
scope for subjectivity. Where the account indicates inherent weakness on the basis
of the data available, the account should be deemed as a NPA. In other genuine
cases, the banks must furnish satisfactory evidence to the Statutory
Auditors/Inspecting Officers about the manner of regularisation of the account to
eliminate doubts on their performing status.
4.2.7 Asset Classification to be borrower -wise and not facility -wise

4.2.9 Accounts where there is erosion in the value of security/frauds


committed by borrowers
In respect of accounts where there are potential threats for recovery on account of
erosion in the value of security or non -availability of security and existence of other
factors such as frauds committed by borrowers it will not be prudent that such
accounts should go through various stages of asset classification. In cases of such
serious credit impairment the asset should be straightaway classified as doubtful or
loss asset as appropriate:
i. Erosion in the value of security can be reckoned as significant when the
realisable value of the security is less than 50 per cent of the value assessed by
the bank or accepted by RBI at the time of last inspection, as the case may be.
Such NPAs may be straightaway classified under doubtful category and
provisioning should be made as applicable to doubtful assets.
ii. If the realisable value of the security, as assessed by the bank/ approved valuers/
RBI is less than 10 per cent of the outstanding in the borrowal accounts, the
existence of security should be ignored and the asset should be straightaway
classified as loss asset. It may be either written off or fully provided for by the
bank
4.2.11 Advances against term deposits, NSCs eligible for surrender, IVPs,
KVPs and life policies need not be treated as NPAs, provided adequate margin is
available in the accounts. Advances against gold ornaments, government
securities and all other securities are not covered by this exemption.

S. C. DHOLE

General Manager(IT)-FITI

UCO BANK

Head Office.
Department of Information Technology
7th Floor. 3 &4 DD block. Sector 1 Salt Lake
Kolkaia - 700 064
Phone (033)23340862
1-ax; (O33H4559705
E-Mail: gmit.calcutta@ucobank.co.in

HONOURS YOUR TRUST

FORWARD

I am pleased to release the second edition of "HANDY BOOK ON CBS" which has proved to
be of considerable help of Users, especially at Branches. It is our constant endeavor to include
recent developments in CBS and sincere efforts has been put to ensure correctness and
accuracy while updating the revised edition.
I sincerely believe that this booklet will continue to be of great use to the field level
functionaries of our Bank. This booklet is also available on UCO ONLINE under E-Reference
Section.
We solicit suggestions and comments from all quarters for overall improvement of the booklet.
I wish the readers to take maximum advantage from this booklet.

(S. C. Dhole)
General Manager
(IT & Financial Inclusion - Tech. Implementation)

HANDY BOOK ON CBS


2011
CONTENTS
PAGE NO
CUSTOMER CREATION

SAVINGS BANK ACCOUNT

CURRENT ACCOUNT

TERM DEPOSIT

LAGHU BACHAT YOJNA

CASH CREDIT & OVERDRAFT

LOAN ACCOUNT

STANDING INSTRUCTION

RTGS

DEMAND DRAFT & PAY ORDER

ECS

CLEARING

PACKING CREDIT

GUARANTEE

INWARD REMITTANCE

OUTWARD REMITTANCE

LETTER OF CREDIT

FORWARD CONTRACT

FOREIGN AND INLAND BILLS

GENERAL REPORTS / INQUIRY

TRADE FINANCE REPORTS ( PRODUCTION )

TRADE FINANCE REPORTS ( MISREP / REPORTS )

MIS UPDATION MENUS

INVENTORY

LOCKER

SAFE CUSTODY ARTICLES

10

GODOWN REGISTER

10

GENERAL

10

COMMON OFFICE ACCOUNTS

11

MANUAL INCOME & EXPENSE ACCOUNTS

17

LOAN & CASH CREDIT SCHEMES

17

SAVINGS BANK SCHEMES

21

DEMAND DEPOSIT SCHEMES

22

TERM DEPOSIT SCHEMES

23

PTW

24

BRANCH EOD OPERATIONS

24

CLOSURE OF CUSTOMER ACCOUNT

25

GOVERNMENT BUSINESS MODULE (GBM)

25

HOT KEYS

27

WEB LOGIN

27

WORK CLASS

27

ADDITIONAL INFORMATION

28

TELEPHONE NUMBERS OF IT DEPARTMENT

31

Description

Web Menu
CUSTOMER CREATION
Customer Creation & Master maintenance
CUMM
Verification
CUMM
To find out if the customer is already having
CUS
a customer ID
SAVINGS BANK ACCOUNT
Opening of an account
OAAC
Verification
OAACAU
Modifying an operative account
ACM
Verification
ACM
Mass Account opening (needs no
MACOP
verification, with or without customer ID)
Cash withdrawal
TM
Cash deposits
TM
Transfer transactions
TM
For Issuing cheque books & verification
ICHB
To enter and revoke Stop payment
SPP
instruction
Verification of Stop payment instruction
SPPAU
Interest run for the account.
ACINT
Issue Pass Book to an account
PBP
Issue of Pass sheet (Statement)
PSP
Transfer Of Account between Schemes
ACXFRSC
Collection of account closure & other
CACC
charges
Closing an account
CAAC
Verification of Account Closure
CAACAU
Customers Account/Ledger Enquiry
ACLI
CURRENT ACCOUNT
Opening of an account (Individuals &
OAAC
Others)
Verification
OAACAU
Modifying an operative account
ACM
Verification
ACM
Mass Account opening (needs no
MACOP
verification, with or without customer ID)
Cash withdrawal
TM
Cash deposits
TM
Transfer transactions
TM
For Issuing cheque books & verification

ONS Menu
HCUMM
HCUMM
HCUS
HOAACSB
HOAACVSB
HACM
HACM

HCASHWD
HCASHDEP
HXFER

HPBP

HCAAC
HCAAC
HACCBAL
HOAACCA
HOAACVCA
HACM
HACM

HCASHWD
HCASHDEP
HXFER

ICHB

To enter and revoke Stop payment


SPP
instruction
Verification of Stop payment instruction
SPPAU
Transfer Of Account between Schemes
ACXFRSC
Transfer Of Account between SOL's
ACXFRSOL
Closing an account
CAAC
Verification of Account Closure
CAACAU
Customers Account/Ledger Inquiry
ACLI
TERM DEPOSITS
Opening of an account - Term Deposits
OAAC
Verification
OAACAU
Modifying a Term Deposit Account
ACM
Verification
ACM

HCAAC
HCAAC
HACCBAL
HOAACTD
HOAACVTD
HACMTD
HACMTD

Description
Web Menu
Interest run for the account.
ACINT
Renewal of Term deposits
TDREN
Extension of Term deposits
TDEXT
Renewal of Overdue Term deposits (after
OVDINT
14 days)
Deposit receipt printing
DRP
Duplicate deposit receipt printing
DUDRP
TDS calculation
TDSCALC
TDS inquiry & printing
TDSIP
Customers Account/Ledger Inquiry
ACLI
Term Deposit Interest Version Inquiry
TVSI
Closing an account
CAAC
Verification of Account Closure
CAACAU
Deposit modeling
DEPMOD
Interest calculator
DEPINT
Pending installment of RD accounts
PLIST
Transfer Of Account between Schemes
ACXFRSC
Transfer Of Account between Sols
ACXFRSOL
LAGHU BACHAT YOJNA
Opening of an account
OAAC
Verification
OAACAU
After verification of the account for interest
RDACM
set up
Credit the amount to the LBY monthly
TM
collection account
Debiting LBY Monthly collection a/c and
TTM
credit to corresponding LBY a/c
Interest calculation before closure of
RDINTTM
account
Closure of account
CAAC
Verification of account closure
CAACAU
LBY Agents Commission Calculation
CALAGCOM
CASH CREDIT & OVERDRAFT
Opening of an account - Overdraft
OAAC
Verification
OAACAU
Opening of an account - Cash Credit
OAAC
Verification
OAACAU
Modifying an account - CC / OD
ACM
Verification
ACM
Cash withdrawal
TM
Cash deposits
TM
Transfer transactions
TM
For Issuing cheque books & verification
ICHB
To enter and revoke Stop payment
SPP
instruction
Verification of Stop payment instruction
SPPAU
Transfer Of Account between Schemes
ACXFRSC
Transfer Of Account between SOL's
ACXFRSOL
Interest run for the account.
ACINT
Collection of account closure & other
CACC
charges
Closing an account
CAAC
Verification of Account Closure

CAACAU

ONS Menu

HTDSIP
HACCBAL
HCAAC
HCAAC

HOAACSB
HOAACVSB

HCAAC
HCAAC

HOAACOD
HOAACVOD
HOAACCC
HOAACVCC
HACM
HACM
HCASHWD
HCASHDEP
HXFER

HCAAC
HCAAC

Description
customers Account/Ledger Enquiry
Assessment, Collection & Refund of
charges
Limit node creation, maintenance &
verification
Account limit history/Drawing Power
maintenance
Account
Limit
History
Maintenance
Authorization.
Limit node enquiry.
Limit node details enquiry.
Limit Node History Maintenance
For Inquiry of Customer Limits.
Linking all types of securities to the account
For Granting TOD (adhoc) in any CC / OD
account
Verification
Modification
Verification

of

asset

classification

Web Menu
ACLI

ONS Menu
HACCBAL

GCHRG
LNM

HLNM

ACLHM

HACLHM

ACLHMAU

HACLHM

LNI
LNDI
LNHTIR

HACLHI

SRM

HBKQRY
HCLM

ACTODM

HACTODM

ACTODMAU

HACTODM

MEAC

LOAN ACCOUNT
Opening of an account
Verification
To collect up-to-date interest & other
charges on closing a loan account
Closing an account (only after
PAYOFF/HPAYOFF)
Verification of Account Closure
Modifying a Loan Account & Verification
Customers Account / Ledger Inquiry
Loan Disbursement
Assessment, Collection & Refund of
charges
Demand generation and interest calculation.
Loan schedule payment.
Loan un-schedule payment.
Loan repayment menu
Loan rescheduling
Loan lien marking.
Loan general enquiry.
Make an asset past due.
Security register module report.
Loan repayment schedule report
Loan overdue position enquiry
Linking all types of securities to the loan
account
Collateral linkage lookup
Loan modeling (to find EMI etc.)
Inquiry on loan interest version

Service Tax Maintenance

OAAC
OAACAU

HOAACLA
HOAACVLA

PAYOFF

HPAYOFF

CAAC

HCAAC

CAACAU
ACM
ACLI
LADISB

HCAAC
HACMLA
HCULA
HLADISB

LAFACR

HLAFACR

LADGEN
HLASPAY
HLAUPAY
LAPAY
HLARA
LALIEN
HLAGI
MAPD
CLMRPTS
LAOPI

HLARSH
HLAOPI
HCLM

CLL
LAMOD
LVSI

HLAMOD

SERVICE TAX MAINTENANCE


STM
STANDING INSTRUCTION

Creation of a standing instruction


verification
Standing instruction maintenance
Execution of Standing instruction

&

HSSIM
SIM
SIE

Description
Carrying forward the failed standing
instruction for doing the same on the next day

Web Menu

ONS Menu

CFLM

Report on standing instruction executed today

SIETR

Printing of standing instruction covering letter


to customer
Printing of standing instruction advice for the
customer
Printing of standing instruction register

SICL
SIADVC
SIRP
RTGS

Indian Financial System Code Inquiry


IFSI
Real Time Gross Settlement ( ONS )
HRTGS
RTGS message List with record creation
RMSGUD
date
Batch Report for NEFT Messages
NEFTTRES
NEFT File Processing
NEFTUP
NEFT Upload
NEFTUPL
DEMAND DRAFT / PAY ORDER
Issue of demand draft / pay order
TM
Payment of demand draft / pay order
TM
To know the status of the demand draft /
DDSM
pay order
Cancellation of the demand draft / pay order
DDC
Marking the demand draft / pay order as
DDLOST
lost
Non-payment advice of demand draft
DDNPADV
Printing of all demand draft / pay orders issued
DDPALL
Printing of a single demand draft / pay order
Reprinting a demand draft / pay order
Demand Draft Revalidation
Demand draft / pay order credit inquiry
Demand draft / pay order debit inquiry
Inquiry about a specific demand draft / pay order
issued
Inquiry about a specific demand draft / pay order
paid
Pay order reconciliation report ( report on paid /
unpaid Pay Order)
List of Pay Order Outstanding
DD reports (DDR1, 2, 2A, 3, 4)
DDR Data download

DDPRNT
DDREPRNT
DDREVAL
DDIC
DDID
DDII
DDIP
BCREPORT
POOUTSTD
DDP
CDDP
ECS

ECS Inward Transaction Upload ( For


Service Branch Only )
ECS Sorting Account wise sorting ( For
Service Branch Only )
ECS sol wise upload (For Service Branch
Only )
ECS particulars Update (For Service
Branch Only )
ECS Inward Returns Processing ( FOR
BRANCH ONLY)
Updation of Unprocessed ECS records
NEFT Inward Returns Processing

EITU
ECSSORT
EITUU
ECSUP
EIRP

HEIRP

ECSSTUP
NIRP

Description

Web Menu

ONS Menu

RECS

Region wise ECS


ECS Reconciliation Report

ECSRECON

ECS Sorting ( National )

NECSSORT

ECS Sorting ( Region wise )

RECSSORT

ECS & NECS REPORTS


Branch wise ECS DR/CR report ( FOR
BRANCH ONLY)
Upload of ECS at Service Branch level
Total consolidated ECS report
ECS report(soft copy) generated for RBI at
Service Branch
Branch wise summary report with NECS
entries(Service Br level)
Status report of all NECS entries
(passed/rejected) Branch only
Total consolidated NECS report
Generation of dump file for RBI (Service
Branch Level)
ECS Reconciliation Report

ECSEITU1
ECSEITU
ECSREP
ECSDUMP
NECSEITU
NECS1
NECSREP
NECSDUMP
ECSRECON

CLEARING
Maintenance of Inward clearing
Inward clearing transaction maintenance
(entering the instruments) & verification
Maintenance of outward clearing
Outward clearing transaction maintenance
(entering the instruments) & verification
Mass verification of instruments
Bar advice printing
Printing details of instruments entered
(Outward clearing)
Printing details of instruments entered
(Inward clearing)
Printing of clearing schedule
Mark pending
Revoke pending
Inquiry on instrument position (Inward
clearing)
Inquiry on instrument position (Outward
clearing)
Inquiry on clearing transaction sets
Verified cheque list of Outward Clearing
Inquiry of shadow balance in the account.
Upload records of inward clearing
presented through floppy

MICZ
ICTM
MCLZOH
OCTM
OCTV
CLBAP
PWO
PICS
PCLSO
HMARKPEN
REVPEND
HOIQ
HOPQ
IOCLS
VCHL
ACSBIO
RMI
HICI

Inward Clearing Cheque Inquiry


Inward Clearing report for CBO Set

HICTM

IWSET

Description

Web Menu
PACKING CREDIT

Opening of Packing Credit Account


Disbursement of single packing credit
Disbursement of multiple packing credit

ONS Menu

OAAC
TM
RPCTM

Regularization of RPC transactions


Maintenance of export Order
Report on Export Order
Report on Outstanding Packing Accounts
PC Liability list
Overdue PC report Party wise
Batch Closure of PC accounts

PCTM
EXPODM
EXPRPT
PCARPT
PCLIALST
POVDPC
CLSPCA
GUARANTEE

Guarantee Master Maintenance

GMM

Guarantee Parameters Inquiry


GPI
Guarantee Inquiry
GI
BG Printing
BGPRINT
Guarantee Printing
GP
Deferred payment Guarantee Register
DPGR
Guarantees Issued cum Liability Register
GILR
PRR-11A Quarterly Statement of Guarantee
PRR11A
PRR-11B Monitoring of Guarantees
PRR11B
Report of guarantees / DPG
PRR11C
Guarantee Overdue Charges
GODCH
Limit/Guarantee wise utilization report
BGLIMIT
BG Margin Printing
BGMARGIN
Statement of Guarantee
BGSTMNT
Guarantee Close
BGCLOSE
INWARD REMITTANCE
Inward Remittance Maintenance
IRM
Party inward remittance advice
FBADV
Inward remittance Register
DTMR
Clean Instrument collection Register /
FBER
foreign cheques
Issue of FIRC
FIRCR
OUTWARD REMITTANCE
Outward Remittance Maintenance
ORM
Party Outward remittance register
FBADV
DD issue register(
DTMR
Datewise/Partywise/Purposewise )
T / Cheque stock register
Acknowledge letter of t/cheque
T / Cheque Issue Register

IMRRPT
TCACKN
TCISSUED
LETTER OF CREDITS
Inward Documentary Credits Maintenance
IDCM
Outward Documentary Credits Maintenance
ODCM
Customer Text Maintenance
CUTXTMNT
DC Reports and Advices
DC Printing
DC General Purpose Report Printing
Report on Expiring DCs
Statement of DC
Transaction Advice Printing
DC Liability Register Printing (Balancing as on
date)

DCRPTS
DCPRINT
DCGPR
DCEXPLST
DCSTMT
CHRGADVP
DCLIABRG

Description
DC Register Printing
DC Query
DC Online Query and Modification
Debit/Credit Party advice for DC / LC issue
Import bill drawn under DC/LC
Acceptance/Due Date confirmation (Import bills
under LC)

ONS Menu

ACCRPT

FORWARD CONTRACT
MNTFWC
EXTFWC
FWCCM
CNCLFWC

Maintain Forward Contract


Extend Forward Contract
FWC Message Code Maintenance
Cancel Forward Contract
Forward Contracts History Inquiry
Forward Contract Liability Register
Forward Contract Notes
FWCs Over Due List
Forward Contracts Query
FWC Revaluation
FWC Booking Register Printing
FWC Reminder on Maturity
Forward Contract Liability Register
Forward Purchase contract register
Forward sales contract outstanding

Web Menu
DCREG
DCQRY
DCQRYM
CHRGADV
FBCS

FWCHI
FWCLIAB
FWCNOTE
FWCODLST
FWCQRY
FWCREVAL
FWCRG
FWCRMND
FWCLIAB
FWCRPT
FWCOUT
FOREIGN AND INLAND BILLS

Creation of ID of beneficiary of Bank


Guarantee or LC
Lodgment of Bills / Cheques

FPCM
CUSTFBM

Foreign / Inland Bills Maintenance / realisation /


crystallization / dishonour

FBM

Foreign / Inland Bills History Inquiry


Foreign / Inland Bills Inquiry
Foreign / Inland Bills Covering Schedule
Transaction Advice Printing
Foreign / Inland Bills Balancing Register
Foreign / Inland Bills Printing / Agewise overdue

FBHI
FBI
FBCS
FBADVP
FBBR
FBP

Statement of outstanding party wise import


collection bill
List of Pending and Dishonored Bills
Party Code Maintenance

FBOIB
FBPADB
FPCM
FBP
FBIR
FBER
SUMODE

Export Bill short register


Import Bill Register
Export Bill Register
Summary sheet overdue Export Bills
Export/Import turnover statement
TFMIS
(Party/CCY/Commodity/country)
FGN DD issue/Inward /outward remittance register
DTMR
(ccy/Party/Datewise)
Foreign Inward Remittance Certificate
FIRCR
Bank Certificate on Export Bill Realisation
BCER
GENERAL REPORTS / INQUIRY
Interest Report For Accounts
AINTRPT
Misc Reports options
MISREP
Specific Reports (i.e. supplementary, cashbook, cash
summary, trail balance etc)

PTW

Description
SB / CA Overdraft Register printing
Inquiry on History of Partition A/c
Inquiry on Partitioned Account
Office Account Ledgers Print
Outstanding Items Report (Sundry Creditors/ Sundry
Debtors)
Minor Subsidiaries Outstanding Items Report
(Sundry Creditors/ Sundry Debtors)

Web Menu
TODRP
PHINQ
PARTINQ
ACLPOA

ONS Menu

MSGOIRP
MSOIRP

GL / GL Sub-Head Wise Balancing Report


Income / Expenditure Analysis Register
Income / Expenditure Monitoring Report

BR
IEARP
IEMRP

Term deposit accounts details


Zonal Help Desk Menus
Transaction report of User

ACDET
ZOUPM
UTXNRPT

Upload of Bar details ( CBO Only)

BARUPLD

Know Your Customer

KYC

Balance Confirmation report

S14

TRADE FINANCE REPORTS ( PRODUCTION)


XOS Statement (Hly)
XOSSTMT
Bill of Entry Statement
FBEF
R-Return (Fortnightly Report)
CENTRRET
Import/Export Turnover (
TFMIS
Ccy/country/commodity/party wise)
Party wise Forex Earnings report for a
CSTINC
period
Position of Cross Currency
POSENT
TRADE FINANCE REPORTS ( MISREP-REPORTS SERVER)
Total Turnover Report for a given period
FXTR
Countrywide Exposure Report
TFEXP
Written-off Statement
EXPWRT
Liberised Remittance Scheme of USD
LIBREM
200,000
Supplementary of LIBREM
LIBSUP
FCNRB Deposit a/c Balance report
FCNRB
Multi-currency GL
GLRPTCCY
Outstanding Running Packing Credit
CPLOARPC
Consolidated Pre-shipment Credit
CPLOA
outstanding
Import Bill retired Register
IMPBRR
PCFC Liability Register
PCFCLL
GR /SDF Realisation Form
GRFORM
PCFC Realisation Register
PCLLL
Consolidated PCL Liability Ledger
PCOVAL
Reports to Treasury on Daily Transactions
RTL100
Report for all Card Rate Transactions
RTL95
Working Report for Post Shipment Credit related
WTPSGDET
to ECGC
Monthly Declaration of Pre Shipment Credit
WTPCG
(ECGC)
Monthly Declaration of Post Shipment
WTPSG
Credit (ECGC)
Worksheet for Post-Shipment ( ECGC)
ECG
ECGC Premium worksheet ( Cust id wise )
ECGC

10

Description

Web Menu
MIS UPDATION MENU'S
Miscellaneous Codes Update
MISCD
Account health Code Update
MODHLTH
Customer update for Advance accounts
CMGUPADV
Customer update for Deposit accounts
CMGUPDEP
Old a/c No.from New Finacle Ac No (14
NANO
digits) signature scanning
Modification of Mode of Operation
MOPC
INVENTORY
Inventory (Security printing) movement &
IMC
verification
Inventory movement inquiry
IMI
Splitting of inventory
ISIA
Issue of cheque / DD / PO books
ICHB
For Cheque book maintenance
CHBM
LOCKER
Locker key maintenance
Locker customer maintenance
Locker transactions-history maintenance
Locker
rent

charge
collection
maintenance
Locker operation maintenance
Locker reports
SAFE CUSTODY ARTICLES
Safe custody register (Safe Custody Master
Maintenance)
Charge collection maintenance
Reports on safe custody articles
Batch recovery of charges

ONS Menu

HCHBM
LKK
M
LKC
LKCHM
LKRCM
LKOP
LKREPM
SCCM
SCCCM
SCREPM
SCBRT

GODOWN REGISTER
Godown register (needs verification)
Linking a Godown with an employee
(Godown keeper)
Stock details

GDM
GDEMP
GDSKM
GENERAL

Customers Account/Ledger Enquiry


Customers Account Ledger Printing
Customers account selection
For inquiring about the cheque books issued
giving the account number.
To find out the account number by giving the
cheque number
Issue Pass Book to an account
Issue of Pass sheet (statement)
Account freeze status maintenance
Maintenance of salary accounts
Upload (credit) of salary
Open cash transactions
Open transfer transaction
Teller creation
Employee file maintenance
To change password
Modification of Narration details of Sundry Debtors
/ Creditors

ACLI / ACI / ACDET

HACCBAL /
HACCDE
T
HCUACC

ACLPCA
HAC
ACM

HCHBM

INQACHQ
PBP
PSP
AFSM
EMM
SALUPLD
OCST
OXFT
GECM
EFM
PWMNT
PRTUPD

HPB
HPS

11

Account Name
COMMISSION AND EXCHANGE
PAID
BROKERAGE PAID

BACID
**NB
73100001
73100002

STAFF WELFARE EXPENSES


FGM-STAFF WELFARE
EXPENSES

74100007
74100022

RENT PAID -OFFICE

75010001

FGM-RENT PAID -OFFICE


LIGHTING AND ELEC
(INCLUDING GENERATOR C
FGM-LIGHTING AND ELEC
(INCLUDING GENERAT

75010007

INSURANCE
FGM-INSURANCE

75020001
75020009

TELEGRAM AND TELEPHONES


FGM-TELEGRAM AND
TELEPHONES

75020004

Service Tax Account Name

BACID

SERVICE TAX - COMMISSION AND


EXCHANGE PAID
SERVICE TAX - BROKERAGE PAID

73100004
73100005

SERVICE TAX - STAFF WELFARE


EXPENSES
SERVICE TAX - FGM-STAFF WELFARE
EXPENSES

74100028
74100029

SERVICE TAX - RENT PAID - OFFICE


SERVICE TAX - FGM-RENT PAID OFFICE
SERVICE TAX - LIGHTING AND ELEC
(INCLUDING GENERATOR C
SERVICE TAX - FGM-LIGHTING AND
ELEC (INCLUDING GENERAT

75010011

75020015
75020016

75020012

SERVICE TAX - INSURANCE


SERVICE TAX - FGM-INSURANCE
SERVICE TAX - TELEGRAM AND
TELEPHONES
SERVICE TAX - FGM-TELEGRAM AND
TELEPHONES

COURIER
FGM-COURIER

75020007
75020014

SERVICE TAX - COURIER


SERVICE TAX - FGM-COURIER

75020019
75020020

POSTAGE
FGM-POSTAGE

75020003
75020011

SERVICE TAX - POSTAGE


SERVICE TAX - FGM-POSTAGE

75020021
75020022

LAW CHARGES
FGM-LAW CHARGES

75020002
75020010

SERVICE TAX - LAW CHARGES


SERVICE TAX - FGM-LAW CHARGES

75020023
75020024

REPAIRS TO BANKS
PROPERTY
FGM-REPAIRS TO BANKS
PROPERTY

STATIONERY AND PRINTING


FGM-STATIONERY AND
PRINTING
ADVAERTISING AND
PUBLICITY
FGM-ADVAERTISING AND
PUBLICITY
AUDITORS FEES
ALLOWANCES AND
EXPENSES
FGM-AUDITORS FEES
ALLOWANCES AND EXPENS
AUDITORS TA AND OTHER
EXPENSES
FGM-AUDITORS TA AND
OTHER EXPENSES

75010005
75010010

75030001
75030008

75030002
75030009

75030003
75030010

75030006
75030011

75030007
75030012

SERVICE TAX - REPAIRS TO BANKS


PROPERTY
SERVICE TAX - FGM-REPAIRS TO
BANKS PROPERTY
SERVICE TAX - STATIONERY AND
PRINTING
SERVICE TAX - FGM-STATIONERY
AND PRINTING
SERVICE TAX - ADVERTISING AND
PUBLICITY
SERVICE TAX - FGM-ADVERTISING
AND PUBLICITY

SERVICE TAX - AUDITORS FEES


ALLOWANCES AND EXPENSES
SERVICE TAX - FGM AUDITORS FEES
ALLOWANCES AND EXPENS
SERVICE TAX - AUDITORS TA AND
OTHER EXPENSES
SERVICE TAX - FGM AUDITORS TA
AND OTHER EXPENSES

75010012
75010013
75010014

75020017
75020018

75030019
75030020

75030021
75030022

75030013
75030014

75030015
75030016

75030017
75030018

12

Account Name
TRAVELLING EXPNS -STAFF
BOARDING LODG D
FGM-TRAVELLING EXPNS STAFF BOARDING LO
TRAVELLING EXPNS -STF
OTH THAN BOARD LO
FGM-TRAVELLING EXPNS -STF
OTH THAN BOAR
TRAVELLING EXPENSESOTHERS
FGM-TRAVELLING EXPENSESOTHERS
ENTERTAINMENT EXPENSES
FGM-ENTERTAINMENT
EXPENSES
CONVEYANCE EXPENSES
FGM-CONVEYANCE
EXPENSES
MOTOR CAR OR VEHICLE
EXPENSES
FGM-MOTOR CAR OR
VEHICLE EXPENSES

BACID
75040001
75040009
75040008
75040016
75040002
75040010
75040003
75040011
75040004
75040012
75040005
75040013

AMC AND OTHER


MAINTAINANCE EXP
FGM-AMC AND OTHER
MAINTAINANCE EXP
MEETING EXPENSES

75050040
75050007

FGM-MEETING EXPENSES

75050043

CLEARING HOUSE EXPENSES


RESIDUAL EXPENSES

75050008
75050011

FGM-RESIDUAL EXPENSES

75050056

CHARGES FOR MICR CLG


OTHER MAINTENANCE
EXPENSES
FGM-OTHER MAINTENANCE
EXPENSES
SECURITY GUARD EXPENSES
POLICE ESCORT CH
HIRING CHARGES FOR
VEHICLE OTHER THAN CR
FGM-HIRING CHARGES FOR
VEHICLE OTHER THA
OUTSOURCING DATA ENTRY
CHARGES
FGM-OUTSOURCING DATA
ENTRY CHARGES
FUNCTION FESTIVAL
CELEBRATION EXPENSES
FGM-FUNCTION FESTIVAL
CELEBRATION EXPENS
CHARGES FOR FILING TAX
RETURNS
FGM-CHARGES FOR FILING
TAX RETURNS
BUSINESS DEVELOPMENT
EXPENSES

75050009

75050001

75050024
75050045
75050029
75050032
75050049
75050039
75050055
75050028
75050047
75050031
75050048
75050062

Service Tax Account Name


SERVICE TAX - TRAVELLING EXPNS STAFF BOARDING LODG D
SERVICE TAX - FGM-TRAVELLING
EXPNS -STAFF BOARDING LO
SERVICE TAX - TRAVELLING EXPNS STF OTH THAN BOARD LO
SERVICE TAX - FGM-TRAVELLING
EXPNS -STF OTH THAN BOAR
SERVICE TAX - TRAVELLING
EXPENSES-OTHERS
SERVICE TAX - FGM-TRAVELLING
EXPENSES-OTHERS
SERVICE TAX - ENTERTAINMENT
EXPENSES
SERVICE TAX - FGMENTERTAINMENT EXPENSES
SERVICE TAX - CONVEYANCE
EXPENSES
SERVICE TAX - FGM-CONVEYANCE
EXPENSES
SERVICE TAX - MOTOR CAR OR
VEHICLE EXPENSES
SERVICE TAX - FGM-MOTOR CAR OR
VEHICLE EXPENSES
SERVICE TAX - AMC AND OTHER
MAINTAINANCE EXP
SERVICE TAX - FGM-AMC AND OTHER
MAINTAINANCE EXP
SERVICE TAX - MEETING EXPENSES
SERVICE TAX - FGM-MEETING
EXPENSES
SERVICE TAX - CLEARING HOUSE
EXPENSES
SERVICE TAX - RESIDUAL EXPENSES
SERVICE TAX - FGM-RESIDUAL
EXPENSES
SERVICE TAX - CHARGES FOR MICR
CLG
SERVICE TAX - OTHER
MAINTENANCE EXPENSES
SERVICE TAX - FGM-OTHER
MAINTENANCE EXPENSES
SERVICE TAX - SECURITY GUARD
EXPENSES POLICE ESCORT CH
SERVICE TAX - HIRING CHARGES
FOR VEHICLE OTHER THAN CR
SERVICE TAX - FGM-HIRING
CHARGES FOR VEHICLE OTHER THA
SERVICE TAX - OUTSOURCING DATA
ENTRY CHARGES
SERVICE TAX - FGM - OUTSOURCING
DATA ENTRY CHARGES
SERVICE TAX - FUNCTION FESTIVAL
CELEBRATION EXPENSES
SERVICE TAX - FGM-FUNCTION
FESTIVAL CELEBRATION EXPENS
SERVICE TAX - CHARGES FOR FILING
TAX RETURNS
SERVICE TAX - FGM-CHARGES FOR
FILING TAX RETURNS
SERVICE TAX - BUSINESS
DEVELOPMENT EXPENSES

BACID
75040019
75040020
75040021
75040022
75040023
75040024
75040025
75040026
75040027
75040028
75040029
75040030

75050063
75050064
75050065
75050066
75050067
75050068
75050069
75050070
75050071
75050072
75050073
75050074
75050075
75050076
75050077
75050078
75050079
75050080
75050081
75050082

13

Account Name
MANUAL COMMITMENT
CHARGES

BACID

COMMITMENT CHARGES

80090001

80020006

COMM AND BROKGE - INLAND


REMITTANCE
COMM AND BROKGE - INLAND
COLLECTION
COMM AND BROKGE - INLAND
LC
COMM AND BROKGE - INLAND
GUARANTEE ISSUE
COMM AND BROKGE - INLAND
- OTHERS
COMM AND BROKGE WESTERN UNION MONEY
COMM AND BROKGE - RTGS
COMM AND BROKGE - NEFT
COMM AND BROKGE INCENTIVE RECD FROM RBI
COMM AND BROKGE - FRGN
REMITTANCE
COMM AND BROKGE - FRGN
COLLECTION
COMM AND BROKGE - FRGN
LETTER OF CREDIT
COMM AND BROKGE - FRGN
GUARANTEE ISSUED
COMM AND BROKGE - FRGN OTHERS

81010001
81010002
81010003
81010004
81010005
81010009
81010010
81010011
81010020

Service Tax Account Name


SERVICE TAX - MANUAL
COMMITMENT CHARGES
SERVICE TAX - COMMITMENT
CHARGES
SERVICE TAX - COMM - INLAND
REMITTANCE
SERVICE TAX - COMM - INLAND
COLLECTION
SERVICE TAX - COMM - INLAND LC
SERVICE TAX - COMM - INLAND
GUARANTEE ISSUE
SERVICE TAX - COMM - INLAND OTHERS
SERVICE TAX - COMM - WESTERN
UNION MONEY TRF
SERVICE TAX - COMM - RTGS
SERVICE TAX - COMM - NEFT
SERVICE TAX - COMM - INCENTIVE
RECD FROM RBI

BACID
80020007
80090002

81010015
81010016
81010017
81010018
81010019
81010012
81010013
81010014
81010021

81020005

SERVICE TAX - COMM - FRGN


REMITTANCE
SERVICE TAX - COMM - FRGN
COLLECTION
SERVICE TAX - COMM - FRGN
LETTER OF CREDIT
SERVICE TAX - COMM - FRGN
GUARANTEE ISSUED
SERVICE TAX - COMM - FRGN OTHERS

BROKERAGE RECEIVED

81030001

SERVICE TAX - BROKERAGE


RECEIVED

81030002

TURNOVER COMMISSION

81040110

SERVICE TAX - TURNOVER


COMMISSION

81040111

TURNOVER COMMISSION
PENSION
TURNOVER COMMISSION
CBDT
TURNOVER COMMISSION
CBEC
TURNOVER COMMISSION
PPF
TURNOVER COMMISSION
BONDS

81020001
81020002
81020003
81020004

81020010
81020011
81020012
81020013

81041005

SERVICE TAX - TURNOVER


COMMISSION - PENSION
SERVICE TAX - TURNOVER
COMMISSION - CBDT
SERVICE TAX - TURNOVER
COMMISSION - CBEC
SERVICE TAX - TURNOVER
COMMISSION - PPF
SERVICE TAX - TURNOVER
COMMISSION - BONDS

RENT ON LOCKERS

81050110

SERVICE TAX - RENT ON LOCKERS

81050111

TRAVELLING EXPENSES
REIMBURSED

81060001

SERVICE TAX - TRAVELLING EXP REIMBURSED

81060002

RENT ON BANK'S PROPERTY


LET OUT

82010001

SERVICE TAX - RENT ON BANK'S


PROPERTY LET OUT

82010002

PREPAYMENT CHARGES
MANUAL PREPAYMENT
CHARGES

81020009

81041001
81041002
81041003
81041004
-

82030010
82030015

SERVICE TAX - PREPAYMENT


CHARGES
SERVICE TAX - MANUAL
PREPAYMENT CHARGES

81041006
81041007
81041008
81041009
81041010

82030016
82030017

14

Account Name
CHG. FOR ISSUING CHQ
BOOKS

BACID

LEDGER FOLIO CHARGES


LOAN APPL PROCESSING
CHGS
INC OTHER RECEIPTS OTHERS
RENEWAL CHARGES
INTERSOL CHARGES

82030002

POSTAGE RECOVERED OTHERS


POSTAGE RECOVERED DISCOUNT ON BILLS

82030001

82030003
82030004
82030014
82030011

82040001
82040002

Service Tax Account Name


SERVICE TAX - CHG. FOR ISSUING
CHQ BOOKS
SERVICE TAX - LEDGER FOLIO
CHARGES
SERVICE TAX - LOAN APPL
PROCESSING CHGS
SERVICE TAX - INCOME OTHER
RECEIPTS - OTHERS
SERVICE TAX - RENEWAL CHARGES
SERVICE TAX - INTERSOL CHARGES
SERVICE TAX - POSTAGE
RECOVERED - OTHERS
SERVICE TAX - POSTAGE
RECOVERED - DISCOUNT ON BILLS

BACID
82030018
82030019
82030020
82030021
82030022
82030023

82040003
82040004

** NB : Please add Sol_id (XXXX) and Ccy (10) with the above bacid for Income / Expense & Service tax a/cs

ACCT_NAME
OVER DUE TERM DEPOSITS-OTHERS MANUAL
DEMAND DEPOSITS-OTHERS- UNCLAIMED
DEMAND DEPOSITS-OTHERS- OTHERS
INOPERATIVE CURRENT DEPOSIT MANUAL
INOPERATIVE SAVINGS DEPOSITS MANUAL
INOPERATIVE SAVINGS DEPOSITS MANUAL
TERM DEPOSIT -MANNUAL
UCO LAKSHMI
MONEY BACK RECURRING
LAGHU BACHAT YOJANA
LBY AGENTS SECURITY DEPOSIT
LBY SUSPENSE ACCOUNTS
FCNR-B DEPOSIT MANUAL
MANAGERS CHEQUES - PAY ORDER
DDS PAYABLE FOREIGN BRANCHES
MTS PAYABLE INDIAN BRANCHES
MTS PAYABLE FOREIGN BRANCHES
TTS PAYABLE INDIAN BRANCHES
TTS PAYABLE FOREIGN BRANCHES
ACCOUNT PAYABLE OTHERS
ATM MITR TXN.PAYABLE AC
ATM SBI TXN.PAYABLE AC
ATM FUNDS TRANSFER TXN. PAYABLE AC
BANK ORDER PAYABLE
BILLS PAYABLE-OTHERS
ATM MITR TXN PAYABLE
ATM SBI TXN PAYABLE
VISA TXN PAYABLE
NEFT PAYABLE A/C
NFS TRANSACTIONS PAYABLE ACCOUNT
NEFT CASH REMITTANCES ACCOUNT
CFD INTEREST ACCOUNT-BANK KUB
CFD INTEREST AC
CFD INTEREST A/C-FLEXI DEPOSIT
CFD INTEREST A/C-FLOATING RATE DEPOSIT
CFD INTEREST A/C-UCO DIAMONG DEPOSIT
CFD INTEREST A/C-LAKSHPATI DEPOSIT

ACCOUNT NO
XXXX1011060001
XXXX1011070001
XXXX1011070002
XXXX1011070003
XXXX1012010001
XXXX1012040001
XXXX1014065001
XXXX1014080001
XXXX1014080002
XXXX1014085001
XXXX1014090001
XXXX1014095001
XXXX1014145001
XXXX1015010001
XXXX1015020003
XXXX1015020004
XXXX1015020005
XXXX1015020006
XXXX1015020007
XXXX1015020009
XXXX1015020010
XXXX1015020011
XXXX1015020012
XXXX1015020013
XXXX1015020015
XXXX1015020016
XXXX1015020017
XXXX1015020018
XXXX1015020019
XXXX1015020023
XXXX1015030001
XXXX1016010001
XXXX1016020001
XXXX1016020002
XXXX1016020003
XXXX1016020004
XXXX1016020005

15

ACCT_NAME
CFD INTEREST A/C-MONEY MULTIPLIER DEPOSIT
CFD INTEREST A/C-CAPITAL GAIN DEPOSIT
CFD INTEREST A/C-DEPOSIT CERTIFICATE
INT ACC AND PBLE -OVERDUE FIXED DEPOSIT
INT ACC AND PAYBLE CFD - FCNR(B)
INT ACC AND PAYBLE CFD - NRNR
CFD INTEREST ACCOUNT-NR0 DEPOSIT
CFD INTEREST ACCOUNT-NRE DEPOSIT
INT ACC AND PAYBLE CFD - RFC
INT ACC AND PAYBLE CFD - FCNR(B)
INT ACC AND PAYBLE CFD - FCNR(B)
INT ACC AND PAYBLE CFD - FCNR(B)
INT ACC AND PAYBLE CFD - FCNR(B)
INT ACC AND PAYBLE CFD - FCNR(B)
INT ACC AND PAYBLE CFD - FCNR(B)
TDS PARKING ACCOUNT ON CFD INT PRO
TDS PARKING ACCOUNT ON FD INT PROV
INT ACC AND PAYBLE - OCFD BANKS- FIXED D
INT ACC AND PAYBLE - OCFD BANKS- CALL DE
INT ACC AND PBLE - OCFD OTHERS - RD NORM
INT ACC AND PAYBLE - OCFD OTHERS- UCO LA
INT ACC AND PBLE - OCFD OTHERS- LBY
INT ACC AND PBLE - OCFD OTHERS- LBY AGEN
INT ACC AND PAYBLE - OCFD OTHERS- LBY SU
INT ACC AND PBLE - OCFD OTHERS-FIXED DEP
INT ACC AND PAYBLE - OCFD OTHERS- MONEY
INT ACC AND PBLE - OCFD OTHERS- TWO WAY
INT ACC AND PBLE - OCFD OTHERS- TWO WAY
INT ACC AND PBLE-OCFDOTHERS- FLOAT RATE
INT ACC AND PAYBLE - OCFD OTHERS- CALL D
INT ACC AND PAYBLE - OCFD OTHERS- ESCROW
INT ACC AND PAYBLE - OCFD OTHERS- SDS 19
INT ACC AND PAYBLE - OCFD OTHERS- CAPITA
INT ACC AND PAYBLE - OCFD OTHERS- FIXDEP
INT ACC AND PAYBLE - NR AC OTHERS - FCNR
INT ACC AND PAYBLE - NR AC OTHERS- EEFC
INT ACC AND PAYBLE - NR AC OTHERS- NRO
INT ACC AND PAYBLE - NR AC OTHERS- NRE
INT ACC AND PAYBLE - NR AC OTHERS- RFC
INT ACC AND PAYBLE SB - SAVINGS ORDINARY
INT ACC AND PAYBLE SB - NO FRILL AC
INT ACC AND PAYBLE SB - CAPITAL GAINS SC
INT ACC AND PAYBLE SB - NRO
INT ACC AND PAYBLE SB - NRE
INT ACC AND PAYBLE SB - RFC
SUNDRY CRS - DEPOSIT UNCLAIMED ACCOUNT
SUNDRY CRS -INSURANCE PREMIUM- TAX - LOAN
SUNDRY CRS -EXPEN ON PROVISION OF CLOSI
SUNDRY CRS -EARNEST - RETENTION MONEY
SUNDRY CRS - AMT HELD IN FOREX DEALINGS
SUNDRY CRS -SLGIS (RECOVERY FROM STAFF)
SUNDRY CRS - OTHERS
SCR-SUNDRY DEPOSITS
SCR-INVOCATION CREDIT-FBG
SCR-INSTALLMENT CREDIT-DPG
SUNDRY CREDITORS-GM
FGM-SUNDRY CREDITOR

ACCOUNT NO
XXXX1016020006
XXXX1016020007
XXXX1016020008
XXXX1016021001
XXXX1016030001
XXXX1016030002
XXXX1016030003
XXXX1016030004
XXXX1016030005
XXXX1216030001
XXXX1316030001
XXXX1416030001
XXXX1616030001
XXXX1816030001
XXXX2116030001
XXXX1016050001
XXXX1016050002
XXXX1017010001
XXXX1017010002
XXXX1017020001
XXXX1017020002
XXXX1017020003
XXXX1017020004
XXXX1017020005
XXXX1017020006
XXXX1017020008
XXXX1017020009
XXXX1017020010
XXXX1017020011
XXXX1017020012
XXXX1017020013
XXXX1017020014
XXXX1017020015
XXXX1017020016
XXXX1017030001
XXXX1017030002
XXXX1017030003
XXXX1017030004
XXXX1017030005
XXXX1017040001
XXXX1017040002
XXXX1017040003
XXXX1017040004
XXXX1017040005
XXXX1017040006
XXXX1030005001
XXXX1030005002
XXXX1030005003
XXXX1030005004
XXXX1030005005
XXXX1030005006
XXXX1030005007
XXXX1030005009
XXXX1030005010
XXXX1030005011
XXXX1030005015
XXXX1030005016

16

ACCT_NAME
ZM-SUNDRY CREDITOR
SUNDRY CREDITORS - RTGS
ZO-SUNDRY CRS - INSURANCE PREMIUM TAX LOAN
ZO-SUNDRY CRS - PROVISION FOR EXPENSES
ZO-SUNDRY CRS - EARNEST - RETENTION MONEY
ZO-SUNDRY CRS - SLGIS (RECOVERY FROM STAFF)
ZO-SUNDRY CRS - OTHERS
FGMO-SUNDRY CRS - INSURANCE PREMIUM TAX LOAN
FGMO-SUNDRY CRS - PROVISION FOR EXPENSES
FGMO-SUNDRY CRS - EARNEST - RETENTION MONEY
FGMO-SUNDRY CRS - SLGIS (RECOVERY FROM STAFF)
FGMO-SUNDRY CRS - OTHERS
DEBIT NOTES ISSUED
CLEARING HOUSE ACCOUNT
MARGIN ON LC
MARGIN ON GURANTEES
MARGIN ON BILLS OTHERS
MARGIN ON BILLS OTHERS - BUILDING MARGI
MARGIN ON BILLS OTHERS - OTHERS
MARGIN ON LOANS
MARGIN ACCOUNT(SEC SOLD UNDER LAF)
BILLS REALISED-DOMESTIC
BILLS REALISED-FOREIGN
BILLS REALISED-PDC
REBATE ON BILLS DISCOUNTED-DOMESTIC
REBATE ON BILLS DISCOUNTED-FOREIGN
ADVANCE RECEIPTS
C.G.C.I. COLLECTION ACCCOUNT
SUBSIDY RESERVED FUND
TAX DEDUCTION AT SOURCE
E.C.G.C CLAIM RECEIVED
CGTSI COLLECTION ACCOUNT
BANKING CASH TXN-TAX COLLECTED
PROFESSIONAL TAX
STATE SALES TAX
CENTRAL SALES TAX
INCOME TAX
CORPORATION TAX
VALUE ADDED TAX
FRINDGE BENEFITS TAX
MISCELLANEOUS RECEIPTS
WEALTH TAX
INTEREST TAX
CENTRAL EXCISE
SERVICE TAX
UNRECONCILED BALANCE
INVESTMENT DEPRECIATION
UNDIVIDED PROFIT
PROPOSED DIVIDEND
OTHER LIABILITIES - GOVT.AC
OTHER LIABILITIES - TDS DEPOSIT AC
INTEREST SUSPENSE A/C
SERVICE TAX PAYABLE
SECURITY DEPOSIT FOR ELECTRICITY
CASH HELD UNDER CUSTODY - FRAUD - ZIMA
NO LIEN ACCOUNT
GOVERNMENT TRANSACTION ACCOUNT

ACCOUNT NO
XXXX1030005017
XXXX1030005018
XXXX1030005019
XXXX1030005020
XXXX1030005021
XXXX1030005022
XXXX1030005023
XXXX1030005024
XXXX1030005025
XXXX1030005026
XXXX1030005027
XXXX1030005028
XXXX1030010001
XXXX1030015001
XXXX1030020001
XXXX1030020002
XXXX1030025001
XXXX1030025002
XXXX1030025003
XXXX1030025004
XXXX1030025005
XXXX1030030001
XXXX1030030002
XXXX1030030003
XXXX1030035001
XXXX1030035002
XXXX1030040001
XXXX1030045001
XXXX1030055001
XXXX1030060001
XXXX1030065001
XXXX1030070001
XXXX1030075001
XXXX1030076001
XXXX1030076002
XXXX1030076003
XXXX1030076004
XXXX1030076005
XXXX1030076006
XXXX1030076007
XXXX1030076008
XXXX1030076009
XXXX1030076010
XXXX1030076011
XXXX1030076012
XXXX1030080001
XXXX1030080002
XXXX1030080004
XXXX1030080005
XXXX1030080006
XXXX1030080007
XXXX1030080008
XXXX1030080015
XXXX1030080016
XXXX1030080017
XXXX1030080018
XXXX1030080019

17

ACCT_NAME
CBDT COLLECTION ACCOUNT
UCOBANK A/C UPPER TIER BONDS ISSUE SERIE
UCO BANK A/C TIER IIBOND ISSUE SERIESIX
GBM CASH PARKING A/C
GBM CLEARING PARKING A/C
PARKING A/C FOR ISSUANCE OF DD/PAY ORDER
PARKING A/C FOR RBI RELIEF BOND INTEREST
CBDT FOCAL POINT CONSOLIDATION A/C
CBDT LINK CELL CONSOLIDATION A/C
ERROR CHALLAN TRANSACTION A/C
DROP CHALLAN A/C
CBEC COLLECTION A/C
CBEC FOCAL POINT CONSOLIDATION A/C
CBEC LINK CELL CONSOLIDATION A/C.
SALES TAX FOCAL POINT CONSOLIDATION A/C
RBI RELIEF BOND A/C
PPF COLLECTION A/C
PPF LOAN COLLECTION ACCOUNT
BEFORE TDS PARKING AC
GOVT. PENSION PAYABLE A/C
PPF FOCAL POINT CONSOLIDATION A/C
EFT RTGS SWIFT AC
ECS INWRD DEBIT SETTLEMENT ACCOUNT
ECS INWRD CREDIT SETTLEMENT ACCOUNT
ECS INWRD DEBIT RETD SUSPENSE ACCOUNT
ECS INWRD CREDIT RETD SUSPENSE ACCOUNT
RTGS TREASURY ACCOUNT
TREASURY-OUTWARD-RTGS
RECS INWARD DEBIT SETTLEMENT ACCOUNT
RECS INWARD CREDIT SETTLEMENT ACCOUNT
RECS INWARD DEBIT RETURNED SUSPENSE ACCOUNT
RECS INWARD CREDIT RETURNED SUSPENSE ACCOUNT
PANCHAYAT FUND TRANSFER ACCOUNT
OTHER LIABILITIES-OTHERS
FCNR EEFC PROCEEDS A/C
SUNDRY LIABILITIES - INTEREST CAPITALISATION
T.T.S DISCOUNTED - STATE BANK OF INDIA
T.T.S DISCOUNTED - OTHER BANKS
T.T.S DISCOUNTED - NOTIFIED BNK
T.T.S DISCOUNTED - COOPERATIVE BAK
CALL DEP REPAYABLE < = EQUAL TO 14 DAYS
CALL DEP REPBLE < EQUAL TO 14 DYS-OTHER
DRAFT ACCOUNT
CBS DRAFT ACCOUNT
UCO BANK DIVIDEND PAYABLE A/C 2009-10
UNPAID DIVIDEND A/C2009-10 OF UCO BANK
HEAD OFFICE ACCOUNT
EXTENSSION COUNTER ACCOUNT-1
EXTENSSION COUNTER ACCOUNT-2
EXTENSSION COUNTER ACCOUNT-3
EXTENSSION COUNTER ACCOUNT-4
EXTENSSION COUNTER ACCOUNT-5
MAIN BRANCH ACCOUNT
FOREIGN BRANCH ACCOUNTS
BRROWINGS FROM BRANCHES IN FGN CURR
CENTRAL OFFICE ACCOUNT
RO EXPENCES ACCOUNT

ACCOUNT NO
XXXX1030080020
XXXX1030080030
XXXX1030080031
XXXX1030081001
XXXX1030081002
XXXX1030082001
XXXX1030083001
XXXX1030084001
XXXX1030084002
XXXX1030084003
XXXX1030084004
XXXX1030084005
XXXX1030084006
XXXX1030084007
XXXX1030084008
XXXX1030084009
XXXX1030084010
XXXX1030084011
XXXX1030090001
XXXX1030095001
XXXX1030096001
XXXX1030100001
XXXX1030100002
XXXX1030100003
XXXX1030100004
XXXX1030100005
XXXX1030100006
XXXX1030100007
XXXX1030100010
XXXX1030100011
XXXX1030100012
XXXX1030100013
XXXX1030105001
XXXX1030110001
XXXX1030110002
XXXX1030111001
XXXX1031015001
XXXX1031015002
XXXX1031015003
XXXX1031015004
XXXX1031025001
XXXX1031025002
XXXX1032010001
XXXX1032011001
XXXX1032013001
XXXX1032014001
XXXX1032015001
XXXX1032016001
XXXX1032016002
XXXX1032016003
XXXX1032016004
XXXX1032016005
XXXX1032020004
XXXX1032020005
XXXX1032020006
XXXX1032020007
XXXX1032020008

18

ACCT_NAME
BANK ORDER ISSUED
BR ADJUSTMENT-OTHERS
LOCAL OR SERVICE BRANCH ACT.
FUND RECD FROM BRANCH AGAINST FCNR DEP
STAFF TRAINING COLLEGE EXPENSES A/C
CURRENCY CHEST EXPENSES ACCOUNT
SERVICE BRANCH EXPENSES ACCOUNT
LEAD BANK OFFICE EXPENSES ACCOUNT
INTER CBS BR COLL PARKING ACCOUNT
INTER CBS BR CRT PARKING ACCOUNT
INTER CBS BR FUND TRF PARKING ACCOUNT
CASH IN HAND (EXCLUDING FGN.CURRENCY)
ATM CASH
ATM CASH OTHERS
ATM CASH 2
ATM CASH 3
ATM CASH 4
HEAD CASHIER
HEAD CASHIER 2
TELLER 1
TELLER 2
TELLER 3
TELLER 4
TELLER 5
TELLER 6
TELLER 7
TELLER 8
TELLER 9
CURRENCY CHEST TRANSFER AC
DUE TO ATM(OTHER)
CASH REMITTANCE IN TRANSIT
BAL WITH RBI - IN CURRENT ACCOUNTS
BAL WITH RBI - REPO ACCOUNT
BAL WITH RBI - REPO PRICE ADJUSTMENT ACC
BAL WITH RBI - MONETARY AUTHORITY
BAL WITH RBI - IN OTHER ACCOUNTS
BALANCE WITH RBI - NFS ACCOUNT
BAL WITH OTHER BANKS CCA - SBI
BAL WITH OTHER BANKS CCA - CO-OP BANKS
BAL WITH OTHER BANKS CCA - NOTIFIED BANK
BAL WITH OTHER BKS CCA - OTHER COMMERCIA
BAL WITH OTHER BANKS DEP AC - SBI
BAL WITH OTHER BANKS DEP AC -CO-OP BANKS
BAL WITH OTHER BANKS DEP AC - NOTIFIED B
BAL WITH OTHER BANKS DEP AC - OTH COMMER
BAL IN CURR AC - UCOBANK SINGAPORE
BAL IN CURR AC - AMERICAN EXP NY US$
BAL IN CURR AC - UNION BANK OF CALIFORNI
BAL IN CURR AC - AMERICAN EXP NY US$
BAL IN CURR AC - HSBC NEW YORK-USD
BAL IN CURR AC - STAND AND CHART NY -USD
BAL IN CURR AC -WACHIABIA BANK NY USD
BAL IN CURR AC - AMERICAN EXP NY EURO
BAL IN CURR AC - AMERICAN EXP GMBH EURO
BAL IN CURR AC - AMERICAN EXP (FRANKFURT
BAL IN CURR AC - B.N.P PARIS - EURO
BAL IN CURR AC - BANKA INTESA - EURO

ACCOUNT NO
XXXX1032020012
XXXX1032020013
XXXX1032020014
XXXX1032020015
XXXX1032020018
XXXX1032020019
XXXX1032020021
XXXX1032020022
XXXX1032200001
XXXX1032210001
XXXX1032220001
XXXX1040010001
XXXX1040010002
XXXX1040010003
XXXX1040010005
XXXX1040010006
XXXX1040010007
XXXX1040010011
XXXX1040010012
XXXX1040010021
XXXX1040010022
XXXX1040010023
XXXX1040010024
XXXX1040010025
XXXX1040010026
XXXX1040010027
XXXX1040010028
XXXX1040010029
XXXX1040015001
XXXX1040015003
XXXX1040020001
XXXX1040030001
XXXX1040030002
XXXX1040030003
XXXX1040030004
XXXX1040030005
XXXX1040030007
XXXX1040040001
XXXX1040040002
XXXX1040040003
XXXX1040040004
XXXX1040050001
XXXX1040050002
XXXX1040050003
XXXX1040050004
XXXX1140070019
XXXX1240070001
XXXX1240070003
XXXX1240070007
XXXX1240070012
XXXX1240070016
XXXX1240070022
XXXX1340070002
XXXX1340070006
XXXX1340070008
XXXX1340070010
XXXX1340070018

19

ACCT_NAME
BAL IN CURR AC - JAPAN CREDIT AND SWISS
BAL IN CURR AC - UNION BANK OF SWITZERLA
BAL IN CURR AC - HSBC LONDON - GBP
BAL IN CURR AC - UCOBANK HONKONG
BAL IN CURR AC - STAND AND CHART DHAKA
BAL IN CURR AC - ANZ BANKING CORP AUD
BAL IN CURR AC - ROYAL BANK OF CANADA
BAL IN CURR AC - SKANDINAVISAKA ENSKILDA
BAL IN- MASHREQ BANK, DUBAI
SAAL (STICKY ADV AC LED)
PDPB(PAST DUE PROTESTED BILS ACCOUNT)
DEFAULTED BANK GUARANTEEBG PAID BY BANK
BAD AND DOUBTFUL
STAFF TL - VEHICLE
STAFF TL - HOUSING
TL OTHERS - PMEGP SUBSIDY
TL OTHERS - PMRY SUBSIDY
TL OTHERS - SGSY SUBSIDY
TL OTHERS - SJSRY SUBSIDY
TL OTHERS - SLRS SUBSIDY
TL OTHERS - KVIC SUBSIDY
TL - OTHER LOANS
MEMORANDUM AC LOAN CHARGE OFF
ADVANCE BILLS PURCHASED
OVERDUE CRYSTALISED EXP BILLS
OVERDUE IMPORT FGN BILL REALISABLE A/C
OVERDUE EXPORTBILLS REALISABLE ACCOUNT
ADV AGNST BILLS SENT FOR COLL
PAST DUE AND DISHONOURED BILLS
OTHER BANK DD OR TTS PURCHASED
BILLS PURCHASED AC-OTHERS
IDBI BILLS DISCOUNTED
EXPORT BILLS DISCOUNTED
BILL PURCH AND DISC- OTHER
FUND IN TRANSIT
IBCN PAID ACCOUNT
LENDING TO NODAL BRANCHES IN FOREIGN CCY
FCNR DEP LENT TO CONTROL BRANCH
UNADJUSTED LOSSES-OVERSEAS
INTER BRANCH PAYMENT ACCOUNT
ATM TXN RECEIVABLE ACCOUNT FROM TREASURY
TREASURY ADJUSTMENT AC-NEW
TREASURY ADJUSTMENT AC-NEW
LAND - BUILDING - PREMISES
LAND OR BUILDG ADDITIONAL OR ALTERATION
MOC - LAND BUILDING PREMISES
MOTOR VEHICLES
MOC - MOTOR VEHICLES
FURNITURE AND FIXTURE
CYCLE
OFFICE EQUIPMENT
COMPUTER
MACHINERY
MOC - FURNITURE FIXTURES AND EQUIPMENTS
STAMPS
STATIONERY
INT ACC AND RECEIBLE ON ADV - OVERDRAFT

ACCOUNT NO
XXXX1540070013
XXXX1540070017
XXXX1640070011
XXXX1740070020
XXXX1840070005
XXXX1840070009
XXXX2140070014
XXXX2240070015
XXXX2340070028
XXXX1043005001
XXXX1043010001
XXXX1043015001
XXXX1043020001
XXXX1047010001
XXXX1047015001
XXXX1047103001
XXXX1047160001
XXXX1047165001
XXXX1047170001
XXXX1047175001
XXXX1047180001
XXXX1047200001
XXXX1047998001
XXXX1048025001
XXXX1048030001
XXXX1048030003
XXXX1048030004
XXXX1048035001
XXXX1048040001
XXXX1048045001
XXXX1048050001
XXXX1048050002
XXXX1048050003
XXXX1048050001
XXXX1060115008
XXXX1060115009
XXXX1060115010
XXXX1060115019
XXXX1060115020
XXXX1060115023
XXXX1060115024
XXXX1060140001
XXXX2360140001
XXXX1061010001
XXXX1061010002
XXXX1061010003
XXXX1061020001
XXXX1061020002
XXXX1061030001
XXXX1061030002
XXXX1061030003
XXXX1061030004
XXXX1061030005
XXXX1061030006
XXXX1062010001
XXXX1062010002
XXXX1063010001

20

ACCT_NAME
INT ACC AND RECEIBLE ON ADV - CASH CREDI
INT ACC AND RECEIBLE ON ADV - LOANS
INT ACC AND RECEIBLE ON ADV - BILLS
INT ACC AND RECBLE ON EXPORT CREDITS
INT ACC AND RECBLE FROM CREDIT INSTITUTI
COMMITMENT CHARGES ACC AND RECBLE
INT ACC AND RECEIVABLE - OTHER INTEREST
SUNDRY DRS - FESTIVAL ADVANCE OLD ENTRIES
SUNDRY DRS - OTHER STAFF ADVANCE
SUNDRY DRS - LEGAL EXPENSES
SUNDRY DRS - OTHER REVENUE ITEMS
SUNDRY DRS - SECURITY DEPOSIT
SUNDRY DRS - ADVANCES TO SUPPLIERS
SUNDRY DRS - PAYMENT ON AC OF FRAUD
SUNDRY DRS - CLEARING DIFFERENCE
SUNDRY DRS - DACOITY
SUNDRY DRS - CASH SHORTAGE
SUNDRY DRS - OTHERS
HEAD OFFICE - MANAGERS CHEQUE ACCOUNT
SUNDRY DRS -GM
FGM-SUNDRY DRS
ZM-SUNDRY DRS
SUNDRY DRS - SECURITY DEPOSIT FOR TELEPHONE
SUNDRY DRS - ADVANCE RENT PAID TO LANDLORD
SUNDRY DRS - ACCRUED NON INTEREST INCOME
ZO-SUNDRY DRS - FESTIVAL ADVANCE OLD ENTRIES
ZO-SUNDRY DRS - OTHER STAFF ADVANCE
ZO-SUNDRY DRS - LEGAL EXPENSES
ZO-SUNDRY DRS - OTHER REVENUE ITEMS
ZO-SUNDRY DRS - SECURITY DEPOSIT
ZO-SUNDRY DRS - ADVANCES TO SUPPLIERS
ZO-SUNDRY DRS - OTHERS
ZO-SUNDRY DRS - SECURITY DEPOSIT FOR TELEPHONE
ZO-SUNDRY DRS - ADVANCE RENT PAID TO LANDLORD
FGMO-SUNDRY DRS - FESTIVAL ADVANCE OLD ENTRIES
FGMO-SUNDRY DRS - OTHER STAFF ADVANCE
FGMO-SUNDRY DRS - LEGAL EXPENSES
FGMO-SUNDRY DRS - OTHER REVENUE ITEMS
FGMO-SUNDRY DRS - SECURITY DEPOSIT
FGMO-SUNDRY DRS - ADVANCES TO SUPPLIERS
FGMO-SUNDRY DRS - OTHERS
FGMO-SUNDRY DRS - SECURITY DEPOSIT FOR TELEPHONE
FGMO-SUNDRY DRS - ADVANCE RENT PAID TO LANDLORD
DEBIT NOTE RECEIEVABLE AC
CLEARING HOUSE ACC
OTHER BANKS DDS OR TTS PAID
CDS(ITP) REPAYMENT
GOVT PENSION PAID
GOVT.PENSION PAID ,INK BRANCH
INTEREST PAID ON SPECIAL DEPOSITS
STAFF PENSION PAYMENT AC
FOREIGN CURRENCY IN HAND
BANK ORDER PAID
INTEREST RECEIVABLE
TURNOVER COMMISSION RECEIVABLE
SERVICE CHARGES RECEIVABLE
EXCHANGE AND COMMISSION RECEIVABLE

ACCOUNT NO
XXXX1063010002
XXXX1063010003
XXXX1063010004
XXXX1063020001
XXXX1063020002
XXXX1063020003
XXXX1063050001
XXXX1064005001
XXXX1064005002
XXXX1064005003
XXXX1064005004
XXXX1064005005
XXXX1064005006
XXXX1064005007
XXXX1064005008
XXXX1064005009
XXXX1064005010
XXXX1064005011
XXXX1064005012
XXXX1064005013
XXXX1064005014
XXXX1064005015
XXXX1064005016
XXXX1064005017
XXXX1064005018
XXXX1064005019
XXXX1064005020
XXXX1064005021
XXXX1064005022
XXXX1064005023
XXXX1064005024
XXXX1064005025
XXXX1064005026
XXXX1064005027
XXXX1064005028
XXXX1064005029
XXXX1064005030
XXXX1064005031
XXXX1064005032
XXXX1064005033
XXXX1064005034
XXXX1064005035
XXXX1064005036
XXXX1064010001
XXXX1064015001
XXXX1064020001
XXXX1064025001
XXXX1064030001
XXXX1064030002
XXXX1064035001
XXXX1064040001
XXXX1064042001
XXXX1064045001
XXXX1064050001
XXXX1064050002
XXXX1064050003
XXXX1064050004

21

ACCT_NAME
RBI BOND REPAYMENT RECEIVABLE
RECEIVABLE FROM GOVERNMENT
INT.SUBSIDYRECEIVABLE FROM GOVT ON ST CR
INCENTIVE RECEIVABLE FROM GOI FOR PROMPT PAYMENT
NON BANKING ASSETS
STAFF ADVANCE NON INTEREST BEARING
ZM-FESTIVAL ADVANCE
LC BG CHRG RECOVERABLE
UNRECONCILED BALANCE AC
LAND AND BUILDING ADDITION OR ALTERATION
I TAX ON GOVT AND OTHER SECURITIES
TDS ACCOUNT
SUBSIDIES DUE AND RECEIVABLE
ADVANCE RENT PAID
TT SUSPENCE ACCOUNT
OTHER ASSETS - OTHERS
SERVICECTAX PAID
TDS SUSPENSE ACCOUNT-LIC/NICL
FGM OFFICE EXPENSE ACCOUNT
PREPAID EXPENSES
ADWDR-RECEIVABLE FROM GOVT
PENALTY PAID
PENAL INTEREST PAID
ADW-230 RECEIVABLE FROM GOVT
ADW-231 RECEIVABLE FROM GOVT
WUMT RECEIVABLE ACCOUNT
EBW ADJUSTMENT A/C
INTT. SUBVENTION ON RUPEE EXPORT CREDIT
ERROR CHALLAN COLLECTION A/C
ERROR CHALLAN NODAL BRANCH COLLECTION A/
ERROR CHALLAN LINK BRANCH COLLECTION A/
PPF SUSPENSE A/C
PPF LOAN DISBURSEMENT A/C
GM EXPENSES ACCOUNT
REGIONAL RURAL BANKS
BANK OF INDIA - MCX SETTLEMENT ACCOUNT
MCX - CASH MARGIN ( LIQUID NET WORTH )
INTEREST PAID ON DEPOSIT-BANKS - KUBER Y
INTEREST PAID ON DEP-CFD - KUBER YOJANA
INTEREST PAID ON DEP- FLEXIBLE FIXED DEP
INTEREST PAID ON DEP - FLOATING RATE DEP
INTEREST PAID ON DEP - UCO DIAMOND DEPOS
INTEREST PAID ON DEP- LAKHPATI SCHEME
INTEREST PAID ON DEP - MONEY MULTIPLIER
INTEREST PAID ON DEP- CAPITAL GAINS-CFD
INTEREST PAID ON DEP- CERT OF DEP
MANUAL INTT PAID ON DEP - KY
MANUAL INTT PAID ON DEP - LAKHPATI SCHEME
MANUAL INTT PAID ON DEP - MONEY MULTIPLIER
MANUAL INTT PAID ON DEP - DEPSOIT CERTIFICATE
INTEREST PAID ON DEP - MONEY MULTIPLIER
INTEREST PAID ON DEP- CAPITAL GAINS-CFD
INTEREST PAID ON DEP- CERT OF DEP
INTEREST PAID ON OVERDUE FIXED DEPOSIT
MANUAL INTT PAID ON DEP - ODFD
INTEREST PAID ON DEP-CFD - FCNR(B)
INTEREST PAID ON DEP-CFD - NRNR

ACCOUNT NO
XXXX1064050005
XXXX1064050006
XXXX1064050007
XXXX1064050008
XXXX1064052001
XXXX1064055001
XXXX1064055002
XXXX1064056001
XXXX1064065004
XXXX1064065005
XXXX1064065010
XXXX1064065011
XXXX1064065014
XXXX1064065015
XXXX1064065018
XXXX1064065020
XXXX1064065023
XXXX1064065024
XXXX1064065025
XXXX1064065026
XXXX1064065028
XXXX1064065029
XXXX1064065030
XXXX1064065031
XXXX1064065032
XXXX1064065033
XXXX1164065027
XXXX1064076001
XXXX1064085001
XXXX1064085002
XXXX1064085003
XXXX1064086001
XXXX1064086002
XXXX1064087001
XXXX1065046001
XXXX1065105001
XXXX1065110001
XXXX1070010001
XXXX1070020002
XXXX1070020003
XXXX1070020004
XXXX1070020005
XXXX1070020006
XXXX1070020007
XXXX1070020008
XXXX1070020009
XXXX1070020010
XXXX1070020011
XXXX1070020012
XXXX1070020013
XXXX1170020007
XXXX1270020008
XXXX1370020009
XXXX1070021001
XXXX1070021002
XXXX1070030001
XXXX1070030002

22

ACCT_NAME
INTEREST PAID ON DEP-CFD - NRO
INTEREST PAID ON DEP-CFD - NRE
INTEREST PAID ON DEP - RFC
INT PAID ON DEP-OCFD-BANKS- FIXED DEPOSI
INT PAID ON DEP-OCFD-BANKS - CALL DEPOS
INT PAID ON DEP-RD-NORMAL
INT PAID ON DEP - UCO LAKSHMI
INT PAID ON DEP - LAGHU BACHAT YOJANA
INT PAID ON DEP - LBY AGENTS SECURITY DE
INT PAID ON DEP- LBY SUSPENSE ACCOUNTS
INT PAID ON DEP - FIXED DEPOSIT RECEIPT
INT PAID ON DEP - DEPOSIT CERTIFICATE
INT PAID ON DEP - MONEY BACK RD
INT PAID ON DEP - TWO WAY DEPOSIT SCHEME
INT PAID ON DEP - TWO WAY DEPOSIT SCHEME
INT PAID ON DEP - FLOATING RATE DEP SCH
INT PAID ON DEP- CALL DEPOSIT
INT PAID ON DEP - ESCROW ACCOUNT
INT PAID ON DEP- SDS 1975
INT PAID ON DEP- CAPITAL GAINS-OCFD
INT PAID ON DEP- FIXED DEP REC QTY
MANUAL INTT PAID ON DEP - FD
MANUAL INTT PAID ON DEP - RD
MANUAL INTT PAID ON DEP - LBY
MANUAL INTT PAID ON DEP - CALL DEPOSIT
INT PAID ON DEP- CAPITAL GAINS-OCFD
INT PAID ON DEP- FIXED DEP REC QTY
INT PAID ON DEP-OCFD - FCNR(B)
INT PAID ON DEP OCFD - EEFC
INT PAID ON DEP OCFD - NRO
INT PAID ON DEP OCFD - NRE
INT PAID ON DEP OCFD - RFC
MANUAL INTT PAID ON DEP - OCFD - NRE
SB INT PAID - SAVINGS ORDINARY
SB INT PAID - NO FRILL AC
SB INT PAID - CAPITAL GAINS SCHEME
SB INT PAID - NRO
SB INT PAID - NRE
SB INT PAID - RFC
MANUAL INTT PAID - SAVINGS ORDINARY
MANUAL INTT PAID - SAVINGS NRO
MANUAL INTT PAID - SAVINGS NRE
INT PAID - RBI OR INTER BANK BORROWING
INT PAID MONEY AT CALL - EXIM BANK
INT PAID MONEY AT CALL - IDBI
INT PAID MONEY AT CALL - NABARD
INT PAID MONEY AT CALL - NHB
INT PAID MONEY AT CALL - RBI REPO
INT PAID MONEY AT CALL - RBI REVERSE REP
INT PAID MONEY AT CALL - SIDBI
INTEREST PAID -DEFHI
INTEREST PAID -REPO
INTEREST PAID ON IRS ACCOUNT
INT PAID T.T.S DISCOUNTED
INTEREST PAID-OTHERS
COMMISSION AND EXCHANGE PAID
BROKERAGE PAID

ACCOUNT NO
XXXX1070030003
XXXX1070030004
XXXX1070030005
XXXX1071010001
XXXX1071010002
XXXX1071020001
XXXX1071020002
XXXX1071020003
XXXX1071020004
XXXX1071020005
XXXX1071020006
XXXX1071020007
XXXX1071020008
XXXX1071020009
XXXX1071020010
XXXX1071020011
XXXX1071020012
XXXX1071020013
XXXX1071020014
XXXX1071020015
XXXX1071020016
XXXX1071020017
XXXX1071020018
XXXX1071020019
XXXX1071020020
XXXX1171020015
XXXX1271020016
XXXX1071030001
XXXX1071030002
XXXX1071030003
XXXX1071030004
XXXX1071030005
XXXX1071030006
XXXX1071040001
XXXX1071040002
XXXX1071040003
XXXX1071040004
XXXX1071040005
XXXX1071040006
XXXX1071040007
XXXX1071040008
XXXX1071040009
XXXX1072010001
XXXX1072020001
XXXX1072020002
XXXX1072020003
XXXX1072020004
XXXX1072020005
XXXX1072020006
XXXX1072020007
XXXX1072020008
XXXX1072020009
XXXX1072020010
XXXX1072030001
XXXX1072060003
XXXX1073100001
XXXX1073100002

23

ACCT_NAME
SERVICE TAX - COMMISSION AND EXCHANGE PAID
SERVICE TAX - BROKERAGE PAID
SALARIES AND ALLOWANCES
OVERTIME ALLOWANCE
HALF-YEARLY ALLOWANCE
BANKS CONTB TO PF
LEAVE FARE CONCESSION
MEDICAL EXPENSES
STAFF WELFARE EXPENSES
BONUS PAID
EXGRATIA PAID
PENSION PAID
PROFESSION FEES
ADHOC SALARY AND ALLOWANCES PAID-OFFICE
ADHOC PROVIDENT FUND PAID-OFFICERS
STAFF WELFARE SCHEME EXPENSES
STAFF WELFARE SCH EXPNS SCHOLARSHIP
FGM-SALARY AND ALLOWANCE
FGM-OVERTIME ALLOWANCE
FGM-HALF YEARLY ALLOWANCE
FGM-BANKS CONTB TO PF
FGM-LEAVE FARE CONCESSION
FGM-MEDICAL EXPENSES
FGM-STAFF WELFARE EXPENSES
FGM-BONUS PAID
FGM-STAFF WELFARE EXPENSES EXCEPT SCHOLA
FGM-STAFF WELFARE SCH EXPNS SCHOLARSHIP
LEAVE ENCASHMENT PAID
FGM - LEAVE ENCASHMENT PAID
SERVICE TAX - STAFF WELFARE EXPENSES
SERVICE TAX - FGM-STAFF WELFARE EXPENSES
ZO - ADHOC SALARY REVISION FOR OFFICERS
ZO - ADHOC BCPF SALARY REVISION FOR OFFICERS
FGM - ADHOC SALARY REVISION FOR OFFICERS
FGM - ADHOC BCPF SALARY REVISION FOR OFFICERS
RENT PAID -OFFICE
RENT PAID -RESIDENCE
TAXES
TURN OVER TAX PAID
LIGHTING AND ELEC (INCLUDING GENERATOR C
IT PAID ON GOVT AND OTHER SECURITIES
FGM-RENT PAID -OFFICE
FGM-RENT PAID -RESIDENCE
FGM-TAXES
FGM-LIGHTING AND ELEC (INCLUDING GENERAT
SERVICE TAX - RENT PAID - OFFICE
SERVICE TAX - FGM-RENT PAID -OFFICE
SERVICE TAX - LIGHTING AND ELEC (INCLUDING GENERATOR C
SERVICE TAX - FGM-LIGHTING AND ELEC (INCLUDING GENERAT
INSURANCE
LAW CHARGES
POSTAGE
TELEGRAM AND TELEPHONES
STAMPS
COURIER
FGM-INSURANCE
FGM-LAW CHARGES

ACCOUNT NO
XXXX1073100004
XXXX1073100005
XXXX1074100001
XXXX1074100002
XXXX1074100003
XXXX1074100004
XXXX1074100005
XXXX1074100006
XXXX1074100007
XXXX1074100008
XXXX1074100009
XXXX1074100010
XXXX1074100011
XXXX1074100012
XXXX1074100013
XXXX1074100014
XXXX1074100015
XXXX1074100016
XXXX1074100017
XXXX1074100018
XXXX1074100019
XXXX1074100020
XXXX1074100021
XXXX1074100022
XXXX1074100023
XXXX1074100024
XXXX1074100025
XXXX1074100026
XXXX1074100027
XXXX1074100028
XXXX1074100029
XXXX1074100030
XXXX1074100031
XXXX1074100032
XXXX1074100033
XXXX1075010001
XXXX1075010002
XXXX1075010003
XXXX1075010004
XXXX1075010005
XXXX1075010006
XXXX1075010007
XXXX1075010008
XXXX1075010009
XXXX1075010010
XXXX1075010011
XXXX1075010012
XXXX1075010013
XXXX1075010014
XXXX1075020001
XXXX1075020002
XXXX1075020003
XXXX1075020004
XXXX1075020005
XXXX1075020007
XXXX1075020009
XXXX1075020010

24

ACCT_NAME
FGM-POSTAGE
FGM-TELEGRAM AND TELEPHONES
FGM-STAMPS
FGM-COURIER
SERVICE TAX - INSURANCE
SERVICE TAX - FGM-INSURANCE
SERVICE TAX - TELEGRAM AND TELEPHONES
SERVICE TAX - FGM-TELEGRAM AND TELEPHONES
SERVICE TAX - COURIER
SERVICE TAX - FGM-COURIER
SERVICE TAX - POSTAGE
SERVICE TAX - FGM-POSTAGE
SERVICE TAX - LAW CHARGES
SERVICE TAX - FGM-LAW CHARGES
REPAIRS TO BANKS PROPERTY
STATIONERY AND PRINTING
ADVAERTISING AND PUBLICITY
DEPRICIATION TO BANKS PROPERTY
DIRECTORS FEES ALLOWANCES AND EXPENSES
AUDITORS FEES ALLOWANCES AND EXPENSES
AUDITORS TA AND OTHER EXPENSES
FGM-REPAIRS TO BANKS PROPERTY
FGM-STATIONERY AND PRINTING
FGM-ADVAERTISING AND PUBLICITY
FGM-AUDITORS FEES ALLOWANCES AND EXPENS
FGM-AUDITORS TA AND OTHER EXPENSES
SERVICE TAX - ADVERTISING AND PUBLICITY
SERVICE TAX - FGM-ADVERTISING AND PUBLICITY
SERVICE TAX - AUDITORS FEES ALLOWANCES AND EXPENSES
SERVICE TAX - FGM AUDITORS FEES ALLOWANCES AND EXPENS
SERVICE TAX - AUDITORS TA AND OTHER EXPENSES
SERVICE TAX - FGM AUDITORS TA AND OTHER EXPENSES
SERVICE TAX - REPAIRS TO BANKS PROPERTY
SERVICE TAX - FGM-REPAIRS TO BANKS PROPERTY
SERVICE TAX - STATIONERY AND PRINTING
SERVICE TAX - FGM-STATIONERY AND PRINTING
TRAVELLING EXPNS -STAFF BOARDING LODG D
TRAVELLING EXPENSES-OTHERS
ENTERTAINMENT EXPENSES
CONVEYANCE EXPENSES
MOTOR CAR OR VEHICLE EXPENSES
DONATIONS
NEWSPAPER OR JOURNAL
TRAVELLING EXPNS -STF OTH THAN BOARD LO
FGM-TRAVELLING EXPNS -STAFF BOARDING LO
FGM-TRAVELLING EXPENSES-OTHERS
FGM-ENTERTAINMENT EXPENSES
FGM-CONVEYANCE EXPENSES
FGM-MOTOR CAR OR VEHICLE EXPENSES
FGM-DONATIONS
FGM-NEWSPAPER OR JOURNAL
FGM-TRAVELLING EXPNS -STF OTH THAN BOAR
NEWS PAPER TO STAFF
PERFORMANCE INCENTIVE
SERVICE TAX - TRAVELLING EXPNS -STAFF BOARDING LODG D
SERVICE TAX - FGM-TRAVELLING EXPNS -STAFF BOARDING LO
SERVICE TAX - TRAVELLING EXPNS -STF OTH THAN BOARD LO

ACCOUNT NO
XXXX1075020011
XXXX1075020012
XXXX1075020013
XXXX1075020014
XXXX1075020015
XXXX1075020016
XXXX1075020017
XXXX1075020018
XXXX1075020019
XXXX1075020020
XXXX1075020021
XXXX1075020022
XXXX1075020023
XXXX1075020024
XXXX1075030001
XXXX1075030002
XXXX1075030003
XXXX1075030004
XXXX1075030005
XXXX1075030006
XXXX1075030007
XXXX1075030008
XXXX1075030009
XXXX1075030010
XXXX1075030011
XXXX1075030012
XXXX1075030013
XXXX1075030014
XXXX1075030015
XXXX1075030016
XXXX1075030017
XXXX1075030018
XXXX1075030019
XXXX1075030020
XXXX1075030021
XXXX1075030022
XXXX1075040001
XXXX1075040002
XXXX1075040003
XXXX1075040004
XXXX1075040005
XXXX1075040006
XXXX1075040007
XXXX1075040008
XXXX1075040009
XXXX1075040010
XXXX1075040011
XXXX1075040012
XXXX1075040013
XXXX1075040014
XXXX1075040015
XXXX1075040016
XXXX1075040017
XXXX1075040018
XXXX1075040019
XXXX1075040020
XXXX1075040021

25

ACCT_NAME
SERVICE TAX - FGM-TRAVELLING EXPNS -STF OTH THAN BOAR
SERVICE TAX - TRAVELLING EXPENSES-OTHERS
SERVICE TAX - FGM-TRAVELLING EXPENSES-OTHERS
SERVICE TAX - ENTERTAINMENT EXPENSES
SERVICE TAX - FGM-ENTERTAINMENT EXPENSES
SERVICE TAX - CONVEYANCE EXPENSES
SERVICE TAX - FGM-CONVEYANCE EXPENSES
SERVICE TAX - MOTOR CAR OR VEHICLE EXPENSES
SERVICE TAX - FGM-MOTOR CAR OR VEHICLE EXPENSES
AMC AND OTHER MAINTAINANCE EXP
ECGC GUARANTEE COMM
EXPENSES FOR CASH REMITTANCE
EXPENSES FOR ATTEND CLGS
FREIGHT CARTAGE COOLIE CHGS FOR STY AN
SANITATION EXPENSES
MEETING EXPENSES
CLEARING HOUSE EXPENSES
CHARGES FOR MICR CLG
EXP RELATING TO RECOVERY CAMP
RESIDUAL EXPENSES
OTHER MAINTENANCE EXPENSES
WASHING ALLOWANCE
CYCLE ALLOWANCE
XEROX AND PHOTOCOPY CHARGES
FUNCTION FESTIVAL CELEBRATION EXPENSES
SECURITY GUARD EXPENSES POLICE ESCORT CH
CLOTH FOR JEWELL BAG
CHARGES FOR FILING TAX RETURNS
HIRING CHARGES FOR VEHICLE OTHER THAN CR
NON CREDIT WRITE OFF APPROAVED BY HO RO
LOCKER BREAK OPEN CHARGES
FUEL CHARCOAL FIRE WOOD CHARGES
EXPENSES FOR DAILY NEED ESSENTIAL ITEMS
EXPENSES RELATIG TO CLOSING OF ACCOUNTS
CONSOLIDATED EXPNS. TO FULL TIME PART TI
OUTSOURCING DATA ENTRY CHARGES
FGM-AMC AND OTHER MAINTAINANCE EXP
FGM-FREIGHT CARTAGE COOLIE CHGS FOR ST
FGM-SANITATION EXPENSES
FGM-MEETING EXPENSES
FGM-EXP RELATING TO RECOVERY CAMP
FGM-OTHER MAINTENANCE EXPENSES
FGM-XEROX AND PHOTOCOPY CHARGES
FGM-FUNCTION FESTIVAL CELEBRATION EXPENS
FGM-CHARGES FOR FILING TAX RETURNS
FGM-HIRING CHARGES FOR VEHICLE OTHER THA
FGM-NON CREDIT WRITE OFF APPROAVED BY H
FGM-FUEL CHARCOAL FIRE WOOD CHARGES
FGM-EXPENSES FOR DAILY NEED ESSENTIAL IT
FGM-EXPENSES RELATIG TO CLOSING OF ACCOU
FGM-CONSOLIDATED EXPNS. TO FULL TIME PAR
FGM-OUTSOURCING DATA ENTRY CHARGES
FGM-RESIDUAL EXPENSES
SERVICES CHARGES ATM SHARING SBI
SERVICES CHARGES ATM SHARING MITR
SERVICES CHARGES ATM SHARING NFS
NFS SETTLEMENT CHARGES PAID ACCOUNT

ACCOUNT NO
XXXX1075040022
XXXX1075040023
XXXX1075040024
XXXX1075040025
XXXX1075040026
XXXX1075040027
XXXX1075040028
XXXX1075040029
XXXX1075040030
XXXX1075050001
XXXX1075050002
XXXX1075050003
XXXX1075050004
XXXX1075050005
XXXX1075050006
XXXX1075050007
XXXX1075050008
XXXX1075050009
XXXX1075050010
XXXX1075050011
XXXX1075050024
XXXX1075050025
XXXX1075050026
XXXX1075050027
XXXX1075050028
XXXX1075050029
XXXX1075050030
XXXX1075050031
XXXX1075050032
XXXX1075050033
XXXX1075050034
XXXX1075050035
XXXX1075050036
XXXX1075050037
XXXX1075050038
XXXX1075050039
XXXX1075050040
XXXX1075050041
XXXX1075050042
XXXX1075050043
XXXX1075050044
XXXX1075050045
XXXX1075050046
XXXX1075050047
XXXX1075050048
XXXX1075050049
XXXX1075050050
XXXX1075050051
XXXX1075050052
XXXX1075050053
XXXX1075050054
XXXX1075050055
XXXX1075050056
XXXX1075050057
XXXX1075050058
XXXX1075050059
XXXX1075050060

26

ACCT_NAME
NFS INTERCHANGE CHARGES ACCOUNT
BUSINESS DEVELOPMENT EXPENSES
SERVICE TAX - AMC AND OTHER MAINTAINANCE EXP
SERVICE TAX - FGM-AMC AND OTHER MAINTAINANCE EXP
SERVICE TAX - MEETING EXPENSES
SERVICE TAX - FGM-MEETING EXPENSES
SERVICE TAX - CLEARING HOUSE EXPENSES
SERVICE TAX - RESIDUAL EXPENSES
SERVICE TAX - FGM-RESIDUAL EXPENSES
SERVICE TAX - CHARGES FOR MICR CLG
SERVICE TAX - OTHER MAINTENANCE EXPENSES
SERVICE TAX - FGM-OTHER MAINTENANCE EXPENSES
SERVICE TAX - SECURITY GUARD EXPENSES POLICE ESCORT CH
SERVICE TAX - HIRING CHARGES FOR VEHICLE OTHER THAN CR
SERVICE TAX - FGM-HIRING CHARGES FOR VEHICLE OTHER THA
SERVICE TAX - OUTSOURCING DATA ENTRY CHARGES
SERVICE TAX - FGM - OUTSOURCING DATA ENTRY CHARGES
SERVICE TAX - FUNCTION FESTIVAL CELEBRATION EXPENSES
SERVICE TAX - FGM-FUNCTION FESTIVAL CELEBRATION EXPENS
SERVICE TAX - CHARGES FOR FILING TAX RETURNS
SERVICE TAX - FGM-CHARGES FOR FILING TAX RETURNS
SERVICE TAX - BUSINESS DEVELOPMENT EXPENSES
INT INCOME ON ADVANCES - OVERDRAFT
INT INCOME ON ADVANCES - CASH CREDITS
INT INCOME ON ADVANCES - LOANS
INT INCOME ON ADVANCES - BILLS
MANUAL INTT - OD
MANUAL INTT - CC
MANUAL INTT - LOANS
MANUAL INTT - BILLS
INTESEST INCOME ON EXPORT CREDITS
INTEREST INCOME FROM CREDIT INSTITUTION
INC FROM COMMITMENT CHARGES
MANUAL INTT ON EXPORT CREDIT
MANUAL INTT FROM CR INSTITUTION
MANUAL COMMITMENT CHARGES
SERVICE TAX - MANUAL COMMITMENT CHARGES
DISCOUNT INC ON BILLS (OTHER THAN EXPORT
DISCOUNT INC ON EXPORT CREDIT
DISCOUNT INC FROM CREDIT INSTITUTIONS
DISCOUNT INC ON CBLO AC
MANUAL DISCOUNT INCOME ON BILLS (OTH THAN EXPORT CR)
MANUAL DISCOUNT INC ON EXPORT CREDIT
MANUAL DISCOUNT INCOME FROM CR INSTITUTIONS
INT ON ADV AND BILLS OTH THAN CR - OTHER
INTEREST RECEIVED-OTH-IBPC
COMMITMENT CHARGES
SERVICE TAX - COMMITMENT CHARGES
COMM AND BROKGE - INLAND REMITTANCE
COMM AND BROKGE - INLAND COLLECTION
COMM AND BROKGE - INLAND LC
COMM AND BROKGE - INLAND GUARANTEE ISSUE
COMM AND BROKGE - INLAND - OTHERS
COMM AND BROKGE - INLAND BANCASSURANCE(L
COMM AND BROKGE - INLAND BANCASSURANCE (
COMM AND BROKGE - MUTUAL FUND BUSINESS
COMM AND BROKGE - WESTERN UNION MONEY

ACCOUNT NO
XXXX1075050061
XXXX1075050062
XXXX1075050063
XXXX1075050064
XXXX1075050065
XXXX1075050066
XXXX1075050067
XXXX1075050068
XXXX1075050069
XXXX1075050070
XXXX1075050071
XXXX1075050072
XXXX1075050073
XXXX1075050074
XXXX1075050075
XXXX1075050076
XXXX1075050077
XXXX1075050078
XXXX1075050079
XXXX1075050080
XXXX1075050081
XXXX1075050082
XXXX1080010001
XXXX1080010002
XXXX1080010003
XXXX1080010004
XXXX1080010005
XXXX1080010006
XXXX1080010007
XXXX1080010008
XXXX1080020001
XXXX1080020002
XXXX1080020003
XXXX1080020004
XXXX1080020005
XXXX1080020006
XXXX1080020007
XXXX1080030001
XXXX1080030002
XXXX1080030003
XXXX1080030004
XXXX1080030005
XXXX1080030006
XXXX1080030007
XXXX1080060001
XXXX1080060002
XXXX1080090001
XXXX1080090002
XXXX1081010001
XXXX1081010002
XXXX1081010003
XXXX1081010004
XXXX1081010005
XXXX1081010006
XXXX1081010007
XXXX1081010008
XXXX1081010009

27

ACCT_NAME
COMM AND BROKGE - RTGS
COMM AND BROKGE - NEFT
SERVICE TAX - COMM - WESTERN UNION MONEY TRF
SERVICE TAX - COMM - RTGS
SERVICE TAX - COMM - NEFT
SERVICE TAX - COMM - INLAND REMITTANCE
SERVICE TAX - COMM - INLAND COLLECTION
SERVICE TAX - COMM - INLAND LC
SERVICE TAX - COMM - INLAND GUARANTEE ISSUE
SERVICE TAX - COMM - INLAND - OTHERS
COMM AND BROKGE - INCENTIVE RECD FROM RBI
SERVICE TAX - COMM - INCENTIVE RECD FROM RBI
COMM AND BROKGE - FRGN REMITTANCE
COMM AND BROKGE - FRGN COLLECTION
COMM AND BROKGE - FRGN LETTER OF CREDIT
COMM AND BROKGE - FRGN GUARANTEE ISSUED
COMM AND BROKGE - FRGN - OTHERS
COMM AND BROKGE - FRGN BANCASSURANCE(LIC
COMM AND BROKGE - FRGN BANCASSURANCE (NI
COMM AND BROKGE - NEFT PAYABLE A/C
SERVICE TAX - COMM - FRGN REMITTANCE
SERVICE TAX - COMM - FRGN COLLECTION
SERVICE TAX - COMM - FRGN LETTER OF CREDIT
SERVICE TAX - COMM - FRGN GUARANTEE ISSUED
SERVICE TAX - COMM - FRGN - OTHERS
BROKERAGE RECEIVED
SERVICE TAX - BROKERAGE RECEIVED
TURNOVER COMMISSION
SERVICE TAX - TURNOVER COMMISSION
TURNOVER COMMISSION - PENSION
TURNOVER COMMISSION - CBDT
TURNOVER COMMISSION - CBEC
TURNOVER COMMISSION - PPF
TURNOVER COMMISSION - BONDS
SERVICE TAX - TURNOVER COMMISSION - PENSION
SERVICE TAX - TURNOVER COMMISSION - CBDT
SERVICE TAX - TURNOVER COMMISSION - CBEC
SERVICE TAX - TURNOVER COMMISSION - PPF
SERVICE TAX - TURNOVER COMMISSION - BONDS
RENT ON LOCKERS
SERVICE TAX - RENT ON LOCKERS
TRAVELLING EXPENSES REIMBURSED
SERVICE TAX - TRAVELLING EXP - REIMBURSED
RENT ON BANK'S PROPERTY LET OUT
SERVICE TAX - RENT ON BANK'S PROPERTY LET OUT
GUARANTEE FEE RECOVERED-DICGC
GUARANTEE FEE RECOVERED-ECGC
CHG. FOR ISSUING CHQ BOOKS
LEDGER FOLIO CHARGES
LOAN APPL PROCESSING CHGS
INC OTHER RECEIPTS - OTHERS
RECOVERY IN WRITTEN OFF ACS
SERVICES CHARGES ATM SHARING SBI
SERVICES CHARGES ATM SHARING PNB
FOREX-OTHER RECEIPTS
INTERSOL CHARGES
SERVICES CHARGES ATM SHARING NFS

ACCOUNT NO
XXXX1081010010
XXXX1081010011
XXXX1081010012
XXXX1081010013
XXXX1081010014
XXXX1081010015
XXXX1081010016
XXXX1081010017
XXXX1081010018
XXXX1081010019
XXXX1081010020
XXXX1081010021
XXXX1081020001
XXXX1081020002
XXXX1081020003
XXXX1081020004
XXXX1081020005
XXXX1081020006
XXXX1081020007
XXXX1081020008
XXXX1081020009
XXXX1081020010
XXXX1081020011
XXXX1081020012
XXXX1081020013
XXXX1081030001
XXXX1081030002
XXXX1081040110
XXXX1081040111
XXXX1081041001
XXXX1081041002
XXXX1081041003
XXXX1081041004
XXXX1081041005
XXXX1081041006
XXXX1081041007
XXXX1081041008
XXXX1081041009
XXXX1081041010
XXXX1081050110
XXXX1081050111
XXXX1081060001
XXXX1081060002
XXXX1082010001
XXXX1082010002
XXXX1082020001
XXXX1082020002
XXXX1082030001
XXXX1082030002
XXXX1082030003
XXXX1082030004
XXXX1082030005
XXXX1082030006
XXXX1082030007
XXXX1082030009
XXXX1082030011
XXXX1082030012

28

ACCT_NAME
SERVICES CHARGES VISA POS TXN
RENEWAL CHARGES
MANUAL PREPAYMENT CHARGES
SERVICE TAX - PREPAYMENT CHARGES
SERVICE TAX - MANUAL PREPAYMENT CHARGES
SERVICE TAX - CHG. FOR ISSUING CHQ BOOKS
SERVICE TAX - LEDGER FOLIO CHARGES
SERVICE TAX - LOAN APPL PROCESSING CHGS
SERVICE TAX - INCOME OTHER RECEIPTS - OTHERS
SERVICE TAX - RENEWAL CHARGES
SERVICE TAX - INTERSOL CHARGES
SERVICE TAX - SERVICE CHARGES ATM SHARING NFS
SERVICE TAX - SERVICE CHARGES VISA POS TXN
POSTAGE RECOVERED - OTHERS
POSTAGE RECOVERED - DISCOUNT ON BILLS
SERVICE TAX - POSTAGE RECOVERED - OTHERS
SERVICE TAX - POSTAGE RECOVERED - DISCOUNT ON BILLS
MEMORANDUM LEDGER CONTRA AC
BILLS FOR COLL - OBC- PAYABLE IN INDIA
BILLS FOR COLL - OBC- PAYABLE OUTSIDE IN
BILLS FOR COLLN- FOBC- PAYABLE IN INDIA
BILLS FOR COLLN - FOBC - PAYABLE OUTSIDE
BILLS FOR COLLN - FOBC - SENT BY US DIRE
BILLS FOR COLLN - FOBC - SENT THRO FGN.E
BILLS FOR COLLN - FOBC - SENT THRO UP CO
BILLS FOR COLLN-FOBC-SENT THRO FGN.EXCH.
IMPORT BILL UNDER LC
IMPORT BILL UNDER LC
IMPORT BILL UNDER LC
IMPORT BILL UNDER LC
IMPORT BILL UNDER LC
IMPORT BILL UNDER LC
IMPORT BILL UNDER LC
IMPORT BILL UNDER LC
IMPORT BILL UNDER LC
IMPORT BILL UNDER LC
FOBC- BILLS FOR COLLN - PAYABLE OUTSIDE
FIBC- RECEIVED FROM OTHER BANK
IMPORT BILLS UNDER LC
BILLS FOR COLLN - I.B.C(INCLD FIBC) RECD
BILL COLLN-IBC-RECD FRM OTH BKS AND DIR
BILLS RECD UNDER INLAND LC
ACEPTANCE ENDORSEMENT AND OTHER OBLIGA
OUTWARD COMMERCIAL CREDIT UNUSED
GUARANTEE GIVEN ON BEHALF ODF THE CONSTI
GUARANTEE GIVEN OF BEHALF OF CONSTI
PPF RECEIVABLE A/C
SUIT FILED AGAINST THE BANK NOT ACK AS D
LIAB OS FORWARD EXCHANGE CONTRACT - BOUG
LIAB OS FORWARD EXCHANGE CONTRACT - SOLD
GUARANTEE GIVEN ON BEHALF ODF THE CONSTI
ACEPTANCE ENDORSEMENT AND OTHER OBLIGA
LIABILITIES FOR PARTY PAID INVESTMENTS
LIAB FOR BILLS OF EXCH RE DISC WITH IDBI
LIAB OS FORWARD EXCHANGE CONTRACT - OTHE
BILLS FOR COLLN - I.B.C(INCLD FIBC) RECD
BILL COLLN-IBC-RECD FRM OTH BKS AND DIR

ACCOUNT NO
XXXX1082030013
XXXX1082030014
XXXX1082030015
XXXX1082030016
XXXX1082030017
XXXX1082030018
XXXX1082030019
XXXX1082030020
XXXX1082030021
XXXX1082030022
XXXX1082030023
XXXX1082030024
XXXX1082030025
XXXX1082040001
XXXX1082040002
XXXX1082040003
XXXX1082040004
XXXX1094100001
XXXX1095010001
XXXX1095010002
XXXX1095020001
XXXX1095020002
XXXX1095020003
XXXX1095020004
XXXX1095020005
XXXX1095020006
XXXX1195020010
XXXX1295020010
XXXX1395020010
XXXX1495020010
XXXX1595020010
XXXX1695020010
XXXX1795020010
XXXX1895020010
XXXX2195020010
XXXX2295020010
XXXX2395020002
XXXX2395020009
XXXX2395020010
XXXX1095030001
XXXX1095030002
XXXX1095030003
XXXX1095040001
XXXX2395040003
XXXX1095050001
XXXX2395050002
XXXX1095145001
XXXX1096100001
XXXX1096100002
XXXX1096100003
XXXX1096100004
XXXX1096100005
XXXX1096100006
XXXX1096100007
XXXX1096100008
XXXX1096100009
XXXX1096100010

29

ACCT_NAME
BILLS FOR COLLECTION- FOBC-PAYABLE IN IN
BILLS RECD UNDER INLAND LC
IMPORT BILL UNDER LC
OUTWARD COMMERCIAL CREDIT UNUSED
GUARANTEE GIVEN ON BEHALF OF CONSTI
FOBC- BILL FOR COLL- PAYABLE OUTSIDE INDIA
FIBC- BILL RECEIVED FROM OTHER BANK
BILLS FOR COLLECTION-OBC-PAYABLE IN INDI
BILLS FOR COLLECTION -OBC-PAYABLE OUTSID
PPF PAYABLE A/C
INTER SOL ACCOUNTS INR
INTERSOL GEN PARKING A/C
EOD PROXY ACCOUNT
OVERDUE CRYSTALLIZED BILL
INTT SUBVENTION RECEIVABLE HBL-GOI SCHEME
INCOME UNDER LOAN SYNDICATION
INCOME FROM UNDERWRITING
INCOME FROM SECURITISATION
INCOME FROM MERCHANT BANKING
INCOME FROM ONLINE SHARE TRADING
CAPITAL WORK IN PROGRESS

ACCOUNT NO
XXXX1096100014
XXXX1096100020
XXXX1196100019
XXXX2396100012
XXXX2396100013
XXXX2396100014
XXXX2396100018
XXXX1096110001
XXXX1096110002
XXXX1096280001
XXXX1098010001
XXXX1098015001
XXXX1098020001
XXXX1032020024
XXXX1064050009
XXXX1083010018
XXXX1083010019
XXXX1083010020
XXXX1083010021
XXXX1083010022
XXXX1064050010

Interest rate structure consequent upon implementation of Base Rate with


effect from 1st July 2010 in Loan and Cash Credit accounts. Circular No.
CHO/RM/04/ 2010-11 Dated: 09.07.2010
LOAN ACCOUNT SCHEMES AND INTEREST TABLE CODES

REVISED ( BASE RATE


METHOD ) W.E.F. 01-07-2010

EXISTING ( BPLR METHOD )

SCHEME

SCHM_DESC

TABLE
CODE

MIN

MAX

TABLE CODE

MIN

MAX

L725W

UCO CASH FOR WOMEN

LA726

25

LB726

25

L731A

UCO SHELTER-SCHEME-A

L731A

25

L731A

25

L731B

UCO SHELTER-SCHEME-B

L731B

25

L731B

25

L731C

UCO SHELTER - FURNISHING

AU081

25

B731B

25

L804A

GOLD LOAN PS>3LAC

BASER

25

LB800

25

L806A

DEMAND CROP LN>3LAC

BASER

25

LB800

25

LA700

STAFF FESTIVAL ADVANCE

LZERO

LZERO

LA701

STAFF CONSUMER LOAN

LA701

25

LA701

25

LA702

STAFF VEHICLE TWO WHEELER

LA702

15

LA702

15

LA703

STAFF VH FOUR WHEELER

LA733

15

LA733

15

LA704

OFFICER VEHICLE 2 WHEELER

LA704

25

LA704

25

LA705

OFFICER VEHICLE 4 WHEELER

LA705

25

LA705

25

LA706

STAFF HOUSING LOAN

LA706

25

LA706

25

LA706

25

LB706

25

LA706

,,

LA707

STAFF MARRAIGE LOAN

LA707

25

LA707

25

LA708

STAFF COMP PERSONAL LOAN

LA708

25

LA708

25

LA709

STAFF LN NATURAL CALAMITY

LA709

25

LA709

25

LA710

STAFF SUPPLI H. LOAN

NUSH1

25

NUSH1

25

LA711

STAFF LN -FLOOD

LZERO

10

LZERO

10

LA712

LOAN AGAINST NSC TO STAFF

LA737

25

LB738

25

LA713

STAFF VECHILE INTT.FREE

BPLR0

BPLR0

LA714

STAFF TL- OD CONVERSION

LA714

10.5

LA714

10.5

LA725

UCO CASH

LA725

25

LB725

25

30

LA726

UCO NARISHAKTHI

LA726

25

LB726

25

LA727

UCO RENT

LREN1

25

LB727

25

LA728

UCO SHOPPER

LA728

25

LB728

25

LA729

UCO TRADER

LTRA1

25

LB729

25

LA730

UCO MORTIGAGE

LMOR2

25

LB730

25

LA731

UCO SHELTER

JA102

25

B731B

25

LA732

UCO CAR

LA732

25

L732B

25

LA732

UCO CAR ( FOR NEW CARS ONLY)

LA732

25

L732E

25

LA732

UCO CAR ( Doctor/ Medical / Salary Tieup)

LA732

25

L732F

25

LA733

UCO PENSIONER

UCPEN

25

LB733

25

LA734

UCO EDUCATION

LEDU1

25

LBED1

25

LA735

GENERAL TL NPS

LA735

25

BASLN

25

LA736

UCO REAL ESTATE

LA736

25

LB736

25

LA737

UCO SECURITIES-EXCL BONDS

LA737

25

LB738

25

LA738

UCO SECURITIES- BONDS

LA738

25

LB738

25

LA739

NRI HOME LOAN SCHEME

AU081

25

B731B

25

LA740

NON_EI_GENERAL TL NPS

LA735

25

BASLN

25

LA741

UCO SHILPA UDYOG

SILPA

25

LBMSE

25

LA742

UCO SWABHIMAN

LZERO

10.5

15

LB742

10.5

15

LA743

NANO CAR BOOKING LOAN

LZERO

25

LZERO

25

LA744

NANO CAR BRIDGING LOAN

LZERO

25

LZERO

25

LA745

UCO SHOPPER (TIE-UP)

LA728

25

LB728

25

LA746

UCO SHELTER - COMFORT SCHEME

AU082

25

B731B

25

LA747

UCO DOCTOR SCHEME

LA747

25

LB747

25

LA748

UCO TWO WHEELER SCHEME

LA748

25

LB748

25

LA748

UCO TWO WHEELER SCHEME ( General)

LA748

25

L748A

25

LA748

UCO TWO WHEELER SCHE(50%collateral)

LA748

25

L748B

25

LA748

UCO TWO WHEELER SCHE(Full collateral)

LA748

25

L748C

25

LA749

UCO EARNEST MONEY

LZERO

25

LZERO

25

LA800

AGRICULTURE-DIRECT

LA800

25

LB800

25

LA801

HIRAK JYANTI KRISHI YOJNA

LA801

25

LB800

25

LA802

UCO KISAN SAMRIDHI YOJNA

LA800

25

LB800

25

LA803

AGRICULTURE-ALLIED

LA800

25

LB800

25

LA804

GOLD LOAN PRIORIY SECTOR

L804A

25

L804A

25

LA805

GOLD LOAN NON PRIORIY

LA735

25

BASLN

25

LA806

DEMAND CROP LOAN

L804A

25

L804A

25

LA807

UCO SAMAG KISAN SAMR YOJ

LA800

25

LA800

25

LA850

SSI-GENERAL

LA850

25

LBMSE

25

LA851

NATIONAL EQUITY FUND SCH

LA850

25

LBMSE

25

LA852

LAGHU UDHYAMI CR. CARD

LA850

25

LBMSE

25

LA853

MAHILA SHILPA UDYOG

LA850

25

LBMSE

25

LA854

OTHER PRIORITY TL GEN

LA852

25

LB852

25

LA855

TRANSPORT-OPS

LA852

25

LB852

25

LA856

DRI

LA856

25

LA856

25

LA857

RURAL HOUSING

LA852

25

LB852

25

LA858

SWAROJGAR- ARTISAN CREDIT

LA852

25

LB852

25

LA875

PMRY

LA852

25

LB852

25

LA876

SGSY

LA852

25

LB852

25

LA877

SJSRY

LA852

25

LB852

25

LA878

SLRS

LA852

25

LB852

25

LA879

KVIC

LA852

25

LB852

25

LA880

LOAN AGAINST DEPOSIT

LZERO

LZERO

LA880

LOAN AGAINST DEPOSIT

LZERO

LZERO

LA880

LOAN AGAINST DEPOSIT

LZERO

LZERO

LA880

LOAN AGAINST DEPOSIT

LZERO

LZERO

LA880

LOAN AGAINST DEPOSIT

LZERO

25

LZERO

25

LA880

LOAN AGAINST DEPOSIT

LZERO

LZERO

LA880

LOAN AGAINST DEPOSIT

LZERO

LZERO

31

LA881

WORKING CAPITAL DL

LZERO

25

LZERO

25

LA882

NATIONAL HOUSING LOAN

LZERO

25

LZERO

25

LA883

BANGLA SWANIRVAR KAR.PRAKALPA

LA852

25

LB852

25

LA884

SRMS-MICRO

LSRM1

25

LB852

25

LA885

SRMS

LSRM2

25

LB852

25

LA886

SRMS-MICRO-WOMEN

LSRM3

25

LB852

25

LA888

SCP FOR LUCKNOW

LA852

25

LB852

25

LA890

PMEGP

LA852

25

LB852

25

LA900

WCTL_EI

BASER

25

BASLN

25

LA901

WCTL_NON_EI

BASER

25

BASLN

25

LA902

FITL_EI

BASER

25

BASLN

25

LA903

FITL_NON_EI

BASER

25

BASLN

25

LAMSL

MEMORANDUM LEDGER

LA733

BASLN

CC ACCOUNT SCHEMES AND INTEREST TABLE CODES

REVISED ( BASE RATE


METHOD ) W.E.F. 01-07-2010

EXISTING ( BPLR METHOD )

CC100

CC GENNERAL

CC100

25

CBNP4

25

CC101

CC UCO TRADER

CCNP4

25

CB101

25

CC102

LAGHU UDHYAMI CR CARD-LUC

CC101

25

CBOP4

25

CC103

MAHILA SHILPA UDYOG SCHEM

CC102

25

CBMS2

25

CC104

KISAN CREDIT CARD

CC103

25

C104A

25

CC105

SWAROJGAR CREDIT CARD

C104A

25

CBOP1

25

CC106

ARTISAN CREDIT CARD

CC105

25

CBOP4

25

CC107

CC-SMALL BUSINESS/RT

CCACC

25

CBOP5

25

CC108

PROFESSIONAL & SELF EMPLO

CCOP4

25

CBOP5

25

CC109

CC - SMALL SCALE INDUSTRY

CCOP4

25

CBMS3

25

CC110

CC AGAINST DEPOSITS

CCSS5

25

ZEROB

25

CC111

CC-AGRICLTURE

ZEROB

25

CBAG1

25

CC112

CC-UCO MORTGAGE

CC111

25

CCMOR

25

CC113

CC- KISAN SAMRIDHI YOJNA

CMOR2

25

CBAG5

25

CC114

CC-SELF HELP GROUP

CC113

25

CBOP5

25

CC115

CC-INDIRECT FINANCE

CC108

25

ZEROB

25

CC116

UCO GENERAL CREDIT CARD

ZEROB

25

CBOP1

25

CC117

UCO SILPA UDYOG

CCOP1

25

CBMS1

25

CC118

CC- UCO DOCTOR SCHEME

SILP3

25

CB118

25

CC222

CC GEN INTERSOL EXEMPTION

CC118

25

CBNP4

25

C104A

KISAN CREDIT CARD> 3 LAC

CCNP4

25

CBAG5

25

Agricultural Advances

a) Total Funded Exposure up to Rs. 50,000

CBAG1

25

b) Total Funded Exposure more than Rs 50,000 and up to Rs 2 lacs

CBAG2

25

c) Total Funded Exposure more than Rs 2 lacs and up to Rs 5 lacs

CBAG3

25

d) Crop loans up to Rs.3 lacs where Govt. subsidy of 2% is available.

C104A

25

e) Total Funded Exposure more than Rs 5 lacs but up to Rs 25 lacs

25

Facilities having Maturity of less than 3 years

CBAG4

25

Facilities having Maturity of 3 years or more

CBAG5

25

f) Total Funded Exposure more than Rs 25 lacs


Facilities having Maturity of less than 3 years

AS PER CREDIT
RATING

32

Facilities having Maturity of 3 years or more

Advances to Micro and Small Enterprises (MSE)

a) Total funded exposure upto Rs.5 lacs

CBMS1

25

b) Total funded exposure more than Rs.5 lacs but up to Rs.25 lacs

CBMS2

25

c) Total funded exposure more than Rs.25 lacs but up to Rs.1 crore

CBMS3

25

d) Total funded exposure above Rs.1 crore

CBMS4

25

a) Total Funded Exposure up to Rs. 50,000

CBOP1

25

b) Total Funded Exposure more than Rs 50,000 and up to Rs 2 lacs

CBOP2

25

c) Total Funded Exposure more than Rs 2 lacs and up to Rs 5 lacs

CBOP3

25

Facilities having Maturity of less than 3 years

CBOP4

25

Facilities having Maturity of 3 years or more

CBOP5

25

25

All other Priority Sector Advances

d) Total Funded Exposure more than Rs 5 lacs but upto Rs 25 lacs

e) Total Funded Exposure more than Rs 25 lacs


Facilities having Maturity of less than 3 years

AS PER CREDIT
RATING

Facilities having Maturity of 3 years or more


All other NON-Priority Sector Advances

CBNP4

Adjust the Rate of Intt with A/c Pref Dr as per terms of Sanction

Total funded exposure means total of all fund based facilities allowed to a borrower.
Where total exposure is above Rs 25 lacs, applicable interest rate should be based on credit
rating of the account and interest rate structure as per credit rating schedule would apply
except in case of MSE sector where it is above Rs. 1 crore.
STAFF SUPPLEMENTARY HOUSING LOAN Scheme Code LA710 *
Interest Table Code
LA 731 ( OLD A/CS )
NUSH1 (MARGIN MORE THAN =25%)
NUSH2 (MARGIN LESS THAN 25%)
NUSH3 ( AMT MORE THAN 20 LACS)
RUSH1(MARGIN>=25% & AMT<=20LACS )
RUSH2(MARGIN<25% & AMT<=20LACS )
UCSS1 (MARGIN MORE THAN 25%)
UCSS2 (MARGIN LESS THAN 25%)
AU081 (MARGIN MORE THAN =25%)
AU082 (MARGIN LESS THAN 25%)
UCO SHELTER ( LA 731 )**
VARIABLE INTEREST RATE ( AS PER DATE OF OPENING )
LA 731 ( OLD A/CS )
NUSH1 (MARGIN MORE THAN =25%)
NUSH2 (MARGIN LESS THAN 25%)
NUSH3 ( AMT MORE THAN 20 LACS)
RUSH1(MARGIN>=25% & AMT<=20LACS )
RUSH2(MARGIN<25% & AMT<=20LACS )

Effective date
Upto 09/04/2007
w.e.f 10-04-2007
w.e.f 10-04-2007
w.e.f 10-04-2007
From 17-10-2007 to
31-12-2007
From 17-10-2007 to
31-12-2007
wef 05-03-2008
wef 05-03-2008
wef 01-08-2008
wef 01-08-2008

upto 09/04/2007
wef 10-04-2007
wef 10-04-2007
wef 10-04-2007
From 17-10-2007 to
31-12-2007
From 17-10-2007 to
31-12-2007

33

UCSS1 (MARGIN MORE THAN 25%)


UCSS2 (MARGIN LESS THAN 25%)
AU081 (MARGIN MORE THAN =25%)
AU082 (MARGIN LESS THAN 25%)

Particulars of the Customer


Non-Gold Card & Below A rating
Non-Gold Card & A rating
Non-Gold Card & A+ rating
Non-Gold Card & A++ rating
Gold Card & Below A rating
Gold Card & A rating
Gold Card & A+ rating
Gold Card & A++ rating

Int. Table Code for adv


upto 180 days

wef 05-03-2008
wef 05-03-2008
wef 01-08-2008
wef 01-08-2008
Int Table code on
Overdue PC
advance

PC180
PC181
PC182
PC183
PC184
PC185
PC186
PC186

PCOD0
PCOD1
PCOD2
PCOD3
PCOD4
PCOD5
PCOD6
PCOD7

List of Interest Table Codes for Cash Credit accounts


Sanctioned Limit (Rs.)
AGRICULTURE -CC
Upto 25000/25001/- to 50000/50001/- to 2 lac
more than2 lac to 5 lac
more than 5 lac to 25 lac
Above 25 lac
SSI -CC
Upto 25000/Sanctioned Limit (Rs.)

25001/- to 1lac
more than1lac- to 2 lac
more than 2 lac to 1 crore
above 1crore
OTHER PRIORITY SECTOR -CC
Upto 25000/25001/- to 50000/50001/- to 2 lac
more than2 lac to 25 lac
Above 25 lac
NON PRIORITY SECTOR -CC
Upto 25000/25001/- to 2 LAC
more than2 lac to 25 lac
Above 25 lac

Interest table code

Normal Interest
(F=BPLR)

CCAG1
CCAG2
CCAG3
CCAG4
CCAG5
CCAG6

F -2.5
F -2.5
F -2.0
F -1.0
F -0.5
F 0

CCSS1

F -3.5

Interest table code

Normal Interest
(F=BPLR)

CCSS2
CCSS3
CCSS4
CCSS5

F -3.0
F -2.25
F -1
F0

CCOP1
CCOP2
CCOP3
CCOP4

F -2.5
F -2.5
F -2.0
F -0.5

CCOP5

F0

CCNP1
CCNP2
CCNP3
CCNP4

F 0
F 0
F +1.50
F 0

NOTE : Interest rate for Sanctioned Limit above 25 lac is as per Credit
rating EXCEPT UCO TRADER. So the difference of interest is be adjusted
at account level preference for all the schemes.

BASE RATE FOR


LOAN -BASER

34

SAVINGS BANK SCHEMES


SCHM_TYPE
SBA
SBA
SBA
SBA
SBA

SCHM_CODE
SB001
SB101
SB102
SB103
SB104

SBA

SB105

SBA
SBA

SB106
SB107

SBA
SBA
SBA
SBA
SBA
SBA
SBA
SBA
SBA
SBA
SBA
SBA
SBA
SBA
SBA
SBA
SBA
SBA
SBA
SBA
SBA
SBA
SBA
SBA
SBA
SBA
SBA
SBA
SBA
SBA
SBA
SBA

SB108
SB109
SB110
SB111
SB112
SB113
SB114
SB115
SB116
SB117
SB118
SB119
SB120
SB122
SB123
SB201
SB301
SB401
SB401
SB601
SB602
SB603
SB604
SB606
SB700
SB950
SB998
SBWBS
UCOCH
UCOEL
UCORE
UCORO

CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA

CA001
CA101
CA102
CA103
CA104
CA105
CA106
CA107
CA108
CA109

SCHM_DESC
PREFUNDED MAGIC CHEQUE
SAVINGS-GENERAL-METRO
SAVINGS STAFF
SAVINGS PENSION-URBAN
SAVINGS-NO FRILLS
SB-MINOR-SELF
URBAN/METRO
SAVINGS-OTHERS-SEMI
URBAN
SAVINGS-GENERAL-RURAL
SAVING-GENERAL-SEMI
URBAN
SAVINGS-OTHERS-RURAL
SAVINGS-OTHERS-URBAN
SAVINGS-PENSION-SU
SAVINGS-PENSION-RURAL
SB-MINOR-SELF OP-SU
SB MINOR-SELF OP-RURAL
SAVINGS-GENERAL-URBAN
SAVINGS NO FRILLS- NO CHQ
SAVINGS PENSION-METRO
SAVINGS-OTHERS-METRO
UCO SUVIDHA SAL A/C-UCSSA
SB CAPITAL GAINS SCH
SAVINGS -ZERO BALANCE
SB-RAJ BHAVAN UCSSA
SAVINGS NRE
SAVINGS NRO
SAVINGS RFC
SAVINGS RFC
UCO ELITE-SB
UCO ROYAL - SB
UCO CHATRA- SB
UCO RETIREE-SB
UCO STAR-CASA
SB FINANCIAL INCLUSION
SAVINGS (NO MIN BAL CHRG)
LAGHU BACHAT YOJNA-II'03
SB-WB STATE ELEC CORP LTD
SAVINGS-UCO CHHATRA
SAVINGS-UCO ELITE
SAVINGS-UCO RETIREE
SAVINGS-UCO ROYAL

GL_SUB_HEAD_CODE
12010
12010
12010
12010
12020

INT_TBL_CODE
SBINT
SBINT
SBSTF
SBINT
SBINT

12010

SBINT

12010
12010

SBINT
SBINT

12010
12010
12010
12010
12010
12010
12010
12010
12010
12010
12010
12010
12030
12010
12018
12060
12050
12070
12070
12010
12010
12010
12010
12010
12015
12010
14085
12010
12010
12010
12010
12010

SBINT
SBINT
SBINT
SBINT
SBINT
SBINT
SBINT
SBINT
SBINT
SBINT
SBINT
UCSSA
SBINT
SBINT
UCSSA
SBNR1
SBINT
SBINT
SBRFC
SBINT
SBINT
SBINT
SBINT
SBINT
SBINT
SBINT
TZERO
SBINT
SBINT
SBINT
SBINT
SBINT

11030
11030
11040
11030
11040
11030
11040
11030
11040
11040

CAINT
CAINT
CAINT
CAINT
CAINT
CAINT
CAINT
CAINT
CAINT
CAINT

CURRENT ACCOUNT SCHEMES


PREFUNDED MAGIC CHEQUE
CA-METRO-IND
CA-METRO-OTH
CA-SEMI URBAN-IND
CA-SEMI URBAN-OTH
CA-RURAL-IND
CA-RURAL-OTHERS
CA- URBAN-IND
CA- URBAN-OTH
CA-FIRMS AND COS-METRO

35

SCHM_TYPE
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA

SCHM_CODE
CA110
CA111
CA112
CA113
CA114
CA115
CA201
CA202
CA203

CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA
CAA

CA222
CA223
CA224
CA301
CA401
CA402
CA501
CA502
CA503
CA504
CA601
CA602
CA604
CA604
CA605
CA605
CA700
CA701
CA702
CA703
CA704
CA705
CA706
CA800
CA801
CA900
CA901
CA901
CA902
CA902
CA903
CA903
CA904
CA904
CA905
CA905
CA906
CA906
CA907
CA907
CA908
CA908
CA909
CA909
CA910
CA910
CA950

SCHM_DESC
CA-FIRMS AND COS-URBAN
CA- FIRMS & COS SEMIURBAN
CA-FIRMS & COS-RURAL
CA- FROM BANKS
CA- CALL DEPOSITS
CA-TINY SECTOR
CURRENT A/C NRE
CURRENT A/C RFC
RFC A/C ( DOMESTIC )
CA-GEN INTERSOL
EXEMPTION
CA- INTERSOL EXEM-SU
CA- INTERSOL EXEM-RURAL
CURRENT A/C NRO
CURRENT A/C - EEFC
CURRENT A/C - ESCROW
CUR-FCNR-INR
CUR-RFC(SBA)-INR
CUR-RFC(TDA)-INR
CUR-EEFC-INR
UCO VALUE -CA
UCO PREMIUM -CA
UCO CLASSIC-CASA
UCO CLASSIC-CASA
UCO CLASSIC SUPER-CASA
UCO CLASSIC SUPER-CASA
CA - E-TDS REMITTANCE
CURRENT ACCOUNT - RTGS
NEFT-CURRENT ACCOUNT
NEFT-CASH REMITTANCE
NEFT-INDO NEPAL REMIT
CA - E-TAX PAYMENT
CA-ADMINISTRATIVE OFFICE
FEES COLLECTION
CA - IPO COLLECTION A/C
CA-GOVT ACCOUNT
UCO PREMIUM PLUS-1-CA
UCO PREMIUM PLUS-1-CA
UCO PREMIUM PLUS-2-CA
UCO PREMIUM PLUS-2-CA
UCO PREMIUM PLUS-3-CA
UCO PREMIUM PLUS-3-CA
UCO PREMIUM PLUS-4-CA
UCO PREMIUM PLUS-4-CA
UCO PREMIUM PLUS-5-CA
UCO PREMIUM PLUS-5-CA
UCO PREMIUM PLUS-6-CA
UCO PREMIUM PLUS-6-CA
UCO PREMIUM PLUS-7-CA
UCO PREMIUM PLUS-7-CA
UCO PREMIUM PLUS-8-CA
UCO PREMIUM PLUS-8-CA
UCO PREMIUM PLUS-9-CA
UCO PREMIUM PLUS-9-CA
UCO PREMIUM PLUS-10-CA
UCO PREMIUM PLUS-10-CA
CA-(NO MIN BAL CHRG)

GL_SUB_HEAD_CODE
11040
11040
11040
11010
11050
11041
11085
11090
11090

INT_TBL_CODE
CAINT
CAINT
CAINT
CAINT
CAINT
CAINT
CAINT
CAINT
CAINT

11040
11040
11040
11095
11080
11075
13070
12070
13090
11080
11030
11030
11030
11040
11030
11040
11035
11037
11038
11039
11036
11031
11043
11040
11042
30120
11030
11040
11030
11040
11030
11040
11030
11040
11030
11040
11030
11040
11030
11040
11030
11040
11030
11040
11030
11040
11030

CAINT
CAINT
CAINT
CAINT
CAINT
CAINT
CAINT
CAINT
CAINT
CAINT
CAINT
CAINT
CAINT
CAINT
CAINT
CAINT
ZEROB
ZEROB
ZEROB
ZEROB
ZEROB
ZEROB
ZEROB
CAINT
CAINT
BZERO
CAINT
CAINT
CAINT
CAINT
CAINT
CAINT
CAINT
CAINT
CAINT
CAINT
CAINT
CAINT
CAINT
CAINT
CAINT
CAINT
CAINT
CAINT
CAINT
CAINT
CAINT

36

SCHM_TYPE
CAA
CAA
CAA

SCHM_CODE
CA950
UCOPR
UCOVA

CCA
CCA
CCA

C104A
CC100
CC101

CCA

CC102

CCA
CCA
CCA
CCA
CCA

CC103
CC104
CC105
CC106
CC107

CCA
CCA
CCA
CCA
CCA
CCA
CCA
CCA
CCA
CCA
CCA

CC108
CC109
CC110
CC111
CC112
CC113
CC114
CC115
CC116
CC117
CC118

CCA

CC222

LAA
LAA

LA700
LA701

LAA
LAA
LAA
LAA
LAA
LAA
LAA

LA702
LA703
LA704
LA705
LA706
L706B
LA707

LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA

LA708
LA709
LA710
LA710
LA711
LA712
LA713
LA714
LA725
L725W
LA726
LA727
LA728
LA729
LA730
LA731
L731A
L731B

SCHM_DESC
GL_SUB_HEAD_CODE
CA-(NO MIN BAL CHRG)
11040
CA-UCO PREMIUM
11030
CA-UCO VALUE
11030
CASH CREDIT SCHEMES
KCC >3LAC
41040
CC GENERAL
41005
CC UCO TRADER
41015
LAGHU UDHYAMI CR CARDLUC
41025
MAHILA SHILPA UDYOG
SCHEM
41030
KISAN CREDIT CARD
41040
SWAROJGAR CREDIT CARD
41045
ARTISAN CREDIT CARD
41065
CC-SMALL BUSINESS/RT
41050
PROFESSIONAL & SELF
EMPLO
41055
CC - SMALL SCALE INDUSTRY
41020
CC AGAINST DEPOSITS
41010
CC-AGRICLTURE
41035
CC-UCO MORTGAGE
41070
CC- KISAN SAMRIDHI YOJNA
41075
CC-SELF HELP GROUP
41060
CC-INDIRECT FINANCE
41070
UCO GENERAL CREDIT CARD
41045
UCO SILPA UDYOG
41015
CC- UCO DOCTOR SCHEME
41080
CC GEN INTERSOL
EXEMPTION
41005
LOAN SCHMES
STAFF FESTIVAL ADVANCE
64055
STAFF CONSUMER LOAN
47005
STAFF VEHICLE TWO
WHEELER
47010
STAFF VH FOUR WHEELER
47010
OFFICER VEHICLE 2 WHEELER
47010
OFFICER VEHICLE 4 WHEELER
47010
STAFF HOUSING LOAN
47015
STAFF ENHANCED HB LOAN
47015
STAFF MARRAIGE LOAN
47020
STAFF COMP PERSONAL
LOAN
47025
STAFF LN NATURAL CALAMITE
47026
STAFF SUPPLI H. LOAN
47015
STAFF SUPPLI H. LOAN
47040
STAFF LN -FLOOD
47026
LOAN AGAINST NSC TO STAFF
43035
STAFF VECHILE INTT.FREE
47010
STAFF TL- OD CONVERSION
47029
UCO CASH
47045
UCO CASH FOR WOMEN
47045
UCO NARISHAKTHI
47050
UCO RENT
47070
UCO SHOPPER
47060
UCO TRADER
47035
UCO MORTIGAGE
47030
UCO HOME LOAN
47040
UCO HOME-SCHEME-A
47040
UCO HOME-SCHEME-B
47040

INT_TBL_CODE
CAINT
CAINT
CAINT
CBAG5
CBNP4
CB101
CBOP4
CBMS2
C104A
CBOP1
CBOP4
CBOP5
CBOP5
CBMS3
ZEROB
CBAG1
CCMOR
CBAG5
CBOP5
BASCC
CBOP1
CBMS1
CB118
CBNP4
LZERO
LA701
LA702
LA733
LA704
LA705
LA706
BASLN
LA707
LA708
LA709
NUSH1
NUSH1
LZERO
LB738
BPLR0
LA714
LB725
LB726
LB726
LB727
LB728
LB729
LB730
LB731
L731A
L731B

37

SCHM_TYPE
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA

SCHM_CODE
L731C
L731D
L731E
LA732
LA733
LA734
LA735
LA736
LA736

LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA

LA737
LA738
LA739
LA740
LA740
LA740
LA741
LA742
LA743
LA744
LA745
LA746
LA747
LA748
LA749
LA750

LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA

LA751
LA800
LA800
LA801
LA802
LA802
LA802
LA803
LA804
L804A
LA805
LA806
LA806
L806A
L806A
LA807
LA808
LA850
LA850

LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA

LA851
LA852
LA853
LA854
LA854
LA854
LA854
LA854
LA854
LA854
LA854

SCHM_DESC
UCO HOME- FURNISHING
UCO HOME- 2 CRORES
UCO HOME- 5 CRORES
UCO CAR
UCO PENSIONER
UCO EDUCATION
GENERAL TL NPS
UCO REAL ESTATE
UCO REAL ESTATE
UCO SECURITIES-EXCL
BONDS
UCO SECURITIES- BONDS
NRI HOME LOAN SCHEME
NON_EI_GENERAL TL NPS
NON_EI_GENERAL TL NPS
NON_EI_GENERAL TL NPS
UCO SHILPA UDYOG
UCO SWABHIMAN
NANO CAR BOOKING LOAN
NANO CAR BRIDGING LOAN
UCO SHOPPER (TIE-UP)
UCO HOME - COMFORT SCH
UCO DOCTOR SCHEME
UCO TWO WHEELER SCHEME
UCO EARNEST MONEY
SOFT LOAN PENSION OPTEE
UCO RETIREE PERSONAL
LOAN
AGRICULTURE-DIRECT
AGRICULTURE-DIRECT
HIRAK JYANTI KRISHI YOJNA
UCO KISAN SAMRIDHI YOJNA
UCO KISAN SAMRIDHI YOJNA
UCO KISAN SAMRIDHI YOJNA
AGRICULTURE-ALLIED
GOLD LOAN PRIORIY SECTOR
GOLD LOAN PS>3LAC
GOLD LOAN NON PRIORIY
DEMAND CROP LOAN
DEMAND CROP LOAN
DEMAND CROP LN>3LAC
DEMAND CROP LN>3LAC
UCO SAMAG KISAN SAMR YOJ
DIRECT AGRICULTURE
SSI-GENERAL
SSI-GENERAL
NATIONAL EQUITY FUND
SCHE
LAGHU UDHYAMI CR. CARD
MAHILA SHILPA UDYOG
OTHER PRIORITY TL GEN
OTHER PRIORITY TL GEN
OTHER PRIORITY TL GEN
OTHER PRIORITY TL GEN
OTHER PRIORITY TL GEN
OTHER PRIORITY TL GEN
OTHER PRIORITY TL GEN
OTHER PRIORITY TL GEN

GL_SUB_HEAD_CODE
47040
47042
47043
47055
47075
47065
47200
43045
43050

INT_TBL_CODE
B731B
LB731
LB731
L732A
LB733
LBED1
BASLN
LB736
LB736

43035
43035
47040
47125
47200
47215
47035
47032
43055
43060
47061
47040
47220
47225
47041
47027

LB738
LB738
B731B
BASLN
BASLN
BASLN
LBMSE
LB742
LZERO
LZERO
LB728
B731B
LB747
LB748
LZERO
LB750

47028
43030
47080
47085
43030
47090
47185
47080
43040
43040
43040
43030
47080
43030
47080
47195
43031
47125
47135

LB751
LB800
LB800
LB800
LB800
LB800
LB800
LB800
L804A
LB800
BASLN
L804A
L804A
LB800
LB800
LA800
LA800
LBMSE
LBMSE

47130
47140
47145
47100
47101
47102
47103
47105
47110
47190
47205

LBMSE
LBMSE
LBMSE
LB852
LB852
LB852
LB852
LB852
LB852
LB852
LB852

38

SCHM_TYPE
LAA
LAA
LAA
LAA

SCHM_CODE
LA854
LA855
LA856
LA857

LAA

LA858

LAA
LAA
LAA
LAA
LAA
LAA
LAA

LA858
LA875
LA876
LA877
LA878
LA879
LA880

LAA
LAA

LA881
LA882

LAA

LA883

LAA

LA883

LAA

LA883

LAA

LA883

LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA

LA883
LA884
LA885
LA886
LA888
LA888
LA888
LA888
LA890
LA891
LA900
LA900
LA901
LA901
LA901
LA902
LA902
LA903
LA903
LA903
LAFCL
LAMSL
FCTL

FBA
FBA
FBA
FBA
FBA
FBA

FB101
FB101
FB102
FB102
FB102
FB103

PCA
PCA

PC100
PC101

SCHM_DESC
OTHER PRIORITY TL GEN
TRANSPORT-OPS
DRI
RURAL HOUSING
SWAROJGAR- ARTISAN
CREDIT
SWAROJGAR- ARTISAN
CREDIT
PMRY
SGSY
SJSRY
SLRS
KVIC
LOAN AGAINST DEPOSIT

GL_SUB_HEAD_CODE
47210
47115
47120
47155

INT_TBL_CODE
LB852
LB852
LA856
LB852

47095

LB852

47150
47160
47165
47170
47175
47180
43035

LB852
LB852
LB852
LB852
LB852
LB852
LZERO

43050
47040

LZERO
LZERO

47100

LB852

47105

LB852

47110

LB852

47125

LB852

47135
47175
47175
47175
47080
47105
47110
47190
47103
47156
47080
47200
47080
47125
47200
47080
47200
47080
47125
47200
43035
93100
47104

LB852
LB852
LB852
LB852
LB852
LB852
LB852
LB852
LB852
LA891
BASLN
BASLN
BASLN
BASLN
BASLN
BASLN
BASLN
BASLN
BASLN
BASLN
LZERO
BASLN
FCYTL

48005
48015
48020
48020
48020
48030

ZEROB
ZEROB
BLPUR
FCBRD
PCFC
BLPUR

44010
44020

PB270
PB270

WORKING CAPITAL DL
NATIONAL HOUSING LOAN
BANGLA SWANIRVAR
KAR.PRAK
BANGLA SWANIRVAR
KAR.PRAK
BANGLA SWANIRVAR
KAR.PRAK
BANGLA SWANIRVAR
KAR.PRAK
BANGLA SWANIRVAR
KAR.PRAK
SRMS-MICRO
SRMS
SRMS-MICRO-WOMEN
SCP FOR LUCKNOW
SCP FOR LUCKNOW
SCP FOR LUCKNOW
SCP FOR LUCKNOW
PMEGP
ISHUP
WCTL_EI
WCTL_EI
WCTL_NON_EI
WCTL_NON_EI
WCTL_NON_EI
FITL_EI
FITL_EI
FITL_NON_EI
FITL_NON_EI
FITL_NON_EI
FCNRB LOAN
MEMORANDUM LEDGER
FGN CCY- TERM LOAN
BILL SCHEMES
INLAND BILLS PURCHASED
INLAND BILLS PURCHASED
FGN BILLS DIS/PUR/NEG
FGN BILLS DIS/PUR/NEG
FGN BILLS DIS/PUR/NEG
FGN PUR BILL CRYST A/C
PACKING CREDIT SCHEMES
PRESHIPMENT PACKING
CREDI
RUNNING PACKING CREDIT

39

SCHM_TYPE
PCA

SCHM_CODE
PC102

TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA

EFCTD
TD101
TD102
TD103
TD104
TD105
TD106
TD107
TD108
TD109
TD110
TD111
TD112
TD113
TD114
TD115
TD116
TD117
TD118
TD119
TD120
TD121
TD122
TD123
TD124
TD125
TD126
TD127
TD128
TD129
TD129
TD130
TD131
TD132

TDA
TDA
TDA
TDA
TDA
TDA
TDA

TD133
TD134
TD135
TD136
TD137
TD138
TD139

TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA

TD140
TD141
TD142
TD143
TD144
TD145
TD146
TD147
TD148
TD149
TD150
TD151
TD201

SCHM_DESC
GL_SUB_HEAD_CODE
PC IN FOREIGN CURRENCY
44025
TERM DEPOSIT SCHEMES
EEFC TERM DEPOSIT
14170
GEN F D - MONTHLY
14100
GENERAL- FDR-QLY
14065
CFD-KUBER YOJNA
13040
FFD-SAVINGS
13045
FFD-OTHER THAN SB
13045
TWO WAY DEPOSIT-SB
14115
TWO WAY DEPOSIT- CA
14120
RECURRING DEPOSIT
14075
FLOATING RATE DEP- OCFD
14125
FLOATING RATE DEP- CFD
13050
UCO DIAMOND DEPOSIT
13055
LAKHPATI SCHEME
13060
MONEY MULTIPLIER
13065
CAPITAL GAINS (B)_TD_OCFD
14070
CAPITAL GAINS (B)-TD-CFD
13030
MONEY BACK RD
14110
CALL DEPOSITS-GENERAL
14130
SPECIAL DEP SCHEME -1975
14140
DEPOSIT CERTIFICATE
13068
CERTIFICATE OF DEPOSIT
13025
CFD- BANKS- (KUBER YOJNA)
13005
FIXED DEP-BANKS(OCFD)-QLY
14005
CALL DEPOSITS-BANKS
14130
RD-HOME LOAN SCHEME
14075
GEN-FIXED-DEP-SHORTTERM
14065
GEN- FIXD -DEP-HALF-YLY
14065
GEN- FIXED -DEPOSIT-YLY
14065
UCO DIAMOND-QLY
13055
GEN-FD-SHORTTERMS-BANKS
14005
GEN-FD-SHORTTERMS-BANKS
14065
CFD-KUBER YOJNA-DAYS
13040
CFD-KUBER YOJNA LBY
13040
UCO WEALTH MAXIMISER
13040
WEALTH MAXIMISERMONTHLY
14100
WEALTH MAXIMISER-QLY
14065
UCO SHUBH LABH- (CFD)
13040
FFD-CA CLASSIC
13045
FFD-CA SUPER CLASSIC
13045
FFD-SB STAR
13045
UCO SHUBH LABH-MONTHLY
14100
UCO SHUBH LABHQUARTERLY
14065
UCO SHUBH LABH 500- CFD
13040
UCO SHUBH LABH 500 - MLY
14100
UCO SHUBH LABH 500 -QLY
14065
UCO SUNSHINE RD SCHEME
14075
UCO DHAN VRIDDHI - CFD
13040
UCO DHAN VRIDDHI - MLY
14100
UCO DHAN VRIDDHI -QLY
14065
UCO DHAMAKA - CFD
13040
UCO DHAMAKA - MLY
14100
UCO DHAMAKA -QLY
14065
FFDTERM DEPOSIT LINKTOSB
13045
NRE-CFD-KUBER YOJNA
13085

INT_TBL_CODE
PCFC1
EEFC
TDGEN
TDGEN
TDGEN
TDFFD
TDFFD
TDGEN
TDGEN
TDGEN
TDFLO
TDFLO
TDDIA
TDGEN
TDGEN
TDGEN
TDGEN
TDGEN
ZERO
TDSPL
TDGEN
TDDUM
TDGEN
TDGEN
ZERO
TDGEN
TDGEN
TDGEN
TDGEN
TDDIA
TDGEN
TDGEN
TDGEN
TDGEN
TDMAX
TDMAX
TDMAX
TDSHB
TDFFD
TDFFD
TDFFD
TDSHB
TDSHB
TDSH2
TDSH2
TDSH2
USRDS
TDHAN
TDHAN
TDHAN
TDHAM
TDHAM
TDHAM
TDGEN
TDNRE

40

SCHM_TYPE
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA
TDA

SCHM_CODE
TD202
TD203
TD204
TD301
TD302
TD303
TD304
TD305
TD401
TD402
TD501
TD501

TDA

TD502

TDA
TDA
TDA
TDA
TDA

TD502
TD503
TD504
TD505
TD601

TDA
TDA
TDA
TDA
TDA

TD602
TD603
TD604
TD605
TD606

SCHM_DESC
NRE- OCFD- MONTHLY
NRE- OCFD- QUARTERLY
NRE-OCFD-RECURRING DEP.
NRO-CFD-KUBER YOJNA
NRO- OCFD- MONTHLY
NRO- OCFD-FDQLY
NRO- OCFD-FDHLY
NRO-OCFD-SHORTTERM
RFC-CFD-KUBER YOJNA
RFC-OCFD--FIXED DEPOSIT
FCNR-B UPTO 12 MONTHS
FCNR-B UPTO 12 MONTHS
FCNR-B MORE THAN 12
MONTH
FCNR-B MORE THAN 12
MONTH
FCNR-B -12 MONTHS(CFD)
FCNR-B - ABOVE 12MON(CFD)
FCNR-B - ABOVE 12MON(CFD)
UCO TAX SAVER-MONTHLY
UCO TAX SAVER 2006QUARTE
UCO TAX SAVER 2006-CFD
UCO STAR DEPOSIT 2007
UCO STAR 2007 MONTHLY
UCO STAR 2007- FDR-QLY

GL_SUB_HEAD_CODE
14160
14160
14160
13080
14155
14155
14155
14155
13090
13090
14145
14145

INT_TBL_CODE
TDNRE
TDNRE
TDNRE
TDGEN
TDGEN
TDGEN
TDGEN
TDGEN
TDRFC
TDRFC
FCNRB
ZERO

13070

FCNRB

14145
14145
14145
14145
14100

FCNRB
FCNRB
FCNRB
FCNRB
TDTAX

14065
13040
13040
14100
14065

TDTAX
TDTAX
TDSTR
TDSTR
TDSTR

PTW OPTIONS
Interest report on Loan accounts ( monthly )
INTREP
Full Transfer waste
1
Only Verified transactions
2
Only Unposted transactions
3
Only Unverified transactions
4
Transactions for a list of GL subheads
5
Transaction totals
6
Print/Type a file
7
Transactions for a list of subtypes
8
Transactions for SA and SL
9
Report on Card Holder A/C with less
10
Balance
Mini - transfer waste for n/w ATM's
11
System generated transactions
12
CRM menus
13
SOLVAL Check
14
Amortization Transaction Enquiry
15
Download Java Policy
16
Unverified Outward RTGS Messages
18
All the transactions
A
Cash Waste
C
Daybook
D
Transaction History
E
Trial Balance
G
ACS - Savings
ACS - Current
ACS - ODA
ACS - CCA
ACS - Term Deposits

H
J
K
L
M

41

ACS - Loans

SUPPLEMENTARY
Outward Clearing Waste
Inward Clearing Waste
Transfer file to PC
Cash in Hand Acct. Summary
Year end processing
Cash Teller Report
Transfer file to Unix
Transfer file to ECS Dir
Transfer file to NECS Dir
TDS REPORT

P
O
I
T
X
Y
Z
R
S
E1
U
BRANCH EOD OPERATIONS
Web Menu
Financial transaction inquiry
FTI
Audit file print
AFP
Inter SOL reconciliation
RIST
Run service outlet validation process
SOLVAL
Initiate after business hours process
ABH
Open cash transactions
OCFT
Open transfer transactions
OXFT
Close service outlet operations
CSOLOP
Service outlet status inquiry
SOLSTAT

ONS Menu

CLOSURE OF CUSTOMER ACCOUNT


SB / CC / OD accounts
Web Menu
ONS Menu
Calculation of upto date interest
ACINT
Collection of account closure & other
CACC
charges
Make the balance nil
TM
Destroy the unused cheques
CHBM
Verification of cheque destruction
CHBMAU
Closure of account
CAAC
Verification of account closure
CAACAU
GOVERNMENT BUSINESS MODULE(GBM)
To enter into GBM
MENU - GBM
CBDT Module (OLTAS)
Click On
To perform TB-BOD
ADMIN
TB-BOD
START
BACK
HOME
To enter a challan
CBDT
Terminal Branch Transaction
Oltas Transaction Maintenance
Add
To verify a challan
CBDT
Terminal Branch Transaction
Oltas Transaction Maintenance
Verify
To verify PAN/TAN
CBDT
Terminal Branch Transaction
Oltas Transaction Maintenance
PAN Master/TAN Master
Verify
To perform TB-EOD
Admin
TB-EOD
All Modules

42

To generate CBDT receipt scrolls

To generate soft copies

Start
Back
Home
CBDT
Terminal Branch Transaction
CBDT Scrolls
CBDT Daily Consolidation Summary Scroll
CBDT Receipt Scroll For Income and Direct Tax
CBDT
Terminal Branch Transaction
CBDT Scrolls
Collecting Branch Challan Details - ASCII Format for
Record Type 01
Collecting Branch Summary Of Challan- ASCII
Format for Record Type 02

Pension Module
Enter into GBM
To perform Pension-BOD

To add a new PPO


Add in Pension Master

To verify Pension Master

Add in Pension Master Details

To verify Pension Master Details

Add Pensioner's Component Details

To verify Pensioner's Component Details

Add in Certificate Receipt Details

To verify Certificate Receipt Details

Monthly Trial-Run Process (To be done

Click on
Admin
Pension-BOD
Submit
Start
Back
Home
Pension
Treasury
Pension Master
Superannuation/Direct Family Pension
Pension
Treasury
Pension Master
Verify
Pension
Treasury
Pension Master Details
Add
Pension
Treasury
Pension Master Details
Verify
Pension
Treasury
Pensioner Component Details
Add
Pension
Treasury
Pensioner Component Details
Verify
Pension
Treasury
Certificate Receipt Details
Add
Pension
Select Treasury
Certificate Receipt Details
Verify
Admin

43

within 25th of the month)


Details of Pension Process

Trial-run Processing
Sol-wise
Select Treasury
Admin
Details of Pension Process
Select Treasury
(Check the amount of pension to be paid to the
pensioner)

Monthly Pension Payment Process (On


pension payment date)

Admin
Initiate Pension Payment
Select Treasury

Sol wise

Pension Payment Scrolls

Pension
Select Treasury
Pension Payment Scrolls -CPAO-CBS branch
Pension Payment Scrolls -other than CPAO-CBS &
non-cbs branch
Pension Payment Scrolls -other than CPAO-non-CBS
branch
(Select any one of above)
Actual Pension Payment (Before next month TrialAdmin
Run)
Actual-Run Processing
Sol wise (Change to
Previous month)
Select Treasury
To perform Pension-EOD
Admin
Pension-EOD
Submit
Start
Back
Home
Note : For More Details Go through GBM-pension job card in UCO ONLINE
HOTKEYS
F1
HELP
F2
LIST
F3
BACK
F4
ACCEPT
F5
BACKGROUND
F6
NEXT BLOCK
F7
QUERY
F8
COPY
F9
SIGNATURE
F10
COMMIT
F11
NEXT FIELD
F12
PREVIOUS BLOCK
ENTER
NEXT FIELD
SHIFT+ F4
SELECT
CONTROL + E
FIELD DETAILS
CONTROL + D
PAGE DOWN
CONTROL + U
PAGE UP
CONTROL + X
BOD / DATE
CONTROL + F
RESET THE FIELD
PORTALS
http://portal.ucobank.net.in:8082/UCOIND/
FINACLE MAIN

FINACLE MAIN
REPORT SERVER
UCO ONLINE
HP HELPDESK LOGIN
IRPS

http://portal1.ucobank.net.in:8090/UCOIND1/
http://report.ucobank.net.in:8082/report/
http://172.23.86.79/
http://172.19.128.170:8004/ServicePages/
http://172.23.86.13/

44

WORKCLASS
DESIGNATION
CUSTOMER
CLERK
SWO 1
SWO 2
HEAD CASHIER 1
HEAD CASHIR-2
SPL. ASST.
ASST MANAGER
MANAGER
SENIOR MANAGER
ZONAL HELPDESK
CHIEF MANAGER
ASST. GEN MANAGER
DY.GEN.MANAGER
SECOND IN COMMAND IN BRANCH
BRANCH MANAGER
AUDITOR INTERNAL
AUDITOR EXTERNAL
GENERAL MANAGER
EXECUTIVE DIRECTOR
CHAIRMAN & MANAGING DIRECTOR

WORK CLASS
CUS
CLERK
SWO 1
SWO 2
HC1
HC2
SPA
AM
MAN
SRM
ZOHD
CM
AGM
DGM
ABH
BH
AUDIN
AUDEX
GM
ED
CMD

CODE
025
050
060
070
080
090
100
150
200
300
355
400
550
600
850
900
350
360
700
750
800

ADDITIONAL INFORMATION

DD PAYMENT: DD ISSUED BY NON- CBS BRANCH


DDSM : In this menu , all details of the NON-CBS branch DD has to be entered e.g. DD issuing br, DD
no, DD issue dt, Currency, Scheme Code DD101, DD amt, Status, Status dt, Caution status, Payee br
& Payee name. Record has to be verified and br will make payment through TM i.e. Dr Draft a/c
(xxxx1032010001). In instr type put DD and the correct DD no (beginning with payee sol id & serial no).
After pressing <f4> system will populate DD details. Branch has to scrutinize with physical instrument
and make payment. In case of payment through Clearing in ICTM menu Draft a/c(xxxx1032010001) has
to be put along with DD no..
DD PAYMENT: DD ISSUED BY CBS BRANCH
In case of CBS issued DD, record already exists in DDSM. No insertion of DD issued by CBS branch
can be made in DDSM. Prior to making payment in TM or ICTM branch has to check details in CBS
DRAFT a/c (xxxx1032011001). Use Menu ACLI. Explode (CTRL+E) the entry of the DD. All details will
be shown. Payment can be made after scrutinizing the details.
DD CANCELLATION: DD ISSUED BY CBS BRANCH
Cancellation of CBS draft is to be made only by issuing branch. In DDC menu DD issuing branch is to
put CBS draft a/c of Payee br as proceeds of draft has already being credited to that branch. Other
procedure same as that of CBS DD payment
ECS DEBIT / CREDIT & ECS RETURNS
ECS records from RBI for CBS branches under a particular Service Br. of that zone, is uploaded by that
Service Branch for all branches under its jurisdiction.
Menu - EITU: FOR SERVICE BRANCH ONLY (Upload of ECS records).
Once ECS data (both DR & CR) is uploaded branches are required to process those records account
wise. Menu EIRP. Through this menu branch has to either put 'A' to accept a particular record or ' R' to
reject a record. After EIRP is over, system will generate a transaction which has to be posted / verified at
branch level.
CLGREP: Report for ECS has to be generated through this menu in Finacle Main.
CLGREP--MIS--select report ECSEITU1. This report shows all ECS records which have been Approved
and Rejected. Branches to ensure that no record is in 'PENDING' status. If files are not processed within
the Cut-Off time for Returns by branches, Service Branch will mark all unprocessed records as
Returned' and return the files to RBI.

45

HO TRANSACTIONS (IBCN ISSUE / IBCN PAID)


HO transactions are usually of the following types O=Originating (When HO a/c is credited)
R=Responding (When HO a/c is debited) P=Parking (When funds are parked in the following a/cs such
as (xxxx1060115009) = IBCN PAID a/c, (xxxx1060115008) = FUND IN TRANSIT a/c or
(1040020001) =CASH REMITTANCE IN TRANSIT) and A=Adjusting (When HO is debited for adjusting
parking a/c entries). In TM menu while crediting HO a/c in the 'Visit Screen' option it should be O=Originating (e.g.
Issue of IBCN). In the next screen category codes and other details should be entered as relevant. Similarly,
while reversing IBCN 'Visit Screen' will be R=Responding. In the next screen put the category code, branch
from where IBCN has been received, Advice No. = IBCN NO, Advice Dt= IBCN Date and Bill no= DOC NO. In
TM menu while debiting IBCN Paid a/c in the 'Visit Screen' option put P = Parking, Enter details of transaction in
the next screen While adjusting this entry
by Debiting HO a/c, visit screen should A = Adjusting along with the relevant details.

NB*1) PRESENTLY, ISSUE OF IBCN FOR TRANSFER / ADJUSTMENT


BETWEEN BRANCHES HAS BEEN STOPPED
2) DEBIT TO IBCN PAID A/C NOT ALLOWED
POINTING A/CS
In Finacle Sundry Debtors & Creditors are known as pointing a/cs since entries made in these heads are
to be reversed point to point e.g. a credit entry of Rs 200/- can only be reversed for the same amount, no change in
amount is accepted. However part amount is accepted.
PARTITION A/CS
Partition A/Cs are those A/Cs where additional details are required to be entered. Subsidy Reserve Fund a/c is a
partition a/c where details of Loan a/c having subsidy portion are to be entered account wise.
RTGS
Outgoing Message (Outward Fund Transfer)
Menu - HRTGS
R41=Customer Payment Request
R42=Inter- Bank Payment request
The above messages are to be created and System will generate a Paysys Tran No. and the Message
Status will be ' Entered '. On verification of the above Tran No the Message Status will change to
Verified' and ultimately 'Settled'. The
transaction is as follows::
Dr Customer a/c or RTGS Current a/c
Cr EFT RTGS SWIFT a/c of Treasury Br (183110301XXXX1) Minimum
amount for creation of Message= Rs 1, 00,000/- Incoming Message
(Inward Fund Transfer)
R41=Customer Payment Request
R42=Inter- Bank Payment request
All R41 & R42 Incoming Message will be received in respective branches with status 'P' and 'U' and funds will
come to EFT RTGS SWIFT a/c of the branch (xxxx10301XXXX1). For generation of reports use Menu RMSGUD
and compare the name of the beneficiary with that of the Finacle customer name. If both the names match,
then credit the customers account by debiting EFT RTGS SWIFT a/c of the branch. Final Status of the message
will be 'Processed '
CASH REMITTANCE TRANSACTION BETWEEN CBS BRANCHES
The cash remitting CBS branch at the time of remitting cash to another CBS branch will debit CASH
REMITTANCE IN TRANSIT a/c. Accounting entry at the remitting branch:
Debit CRT (Cash Remittance in Transit) Credit
Cash
The receiving branch on receipt of cash will credit INTER CBS BR CRT PARKING ACCOUNT-SOLID1032210001of their branch. Accounting entry at the receiving branch (e.g. SOLID is say 9999): Debit Cash
Credit INTER CBS BR CRT PARKING ACCOUNT-99991032210001
The cash receiving branch will debit the INTER CBS BR CRT PARKING ACCOUNT and credit the cash-remitting branch
INTER CBS FUND TRF PARKING ACCOUNT-SOLID1032220001. The transaction will be done by a FREE USER.

Accounting entry at the receiving branch (e.g. SOLID of receiving branch is say 9999 and of the remitting branch is
say 8888):
Dr. INTER CBS BR CRT PARKING ACCOUNT - 99991032210001
Cr. INTER CBS FUND TRF PARKING ACCOUNT 88881032220001

46

The cash-remitting branch on the same day should reverse the entry and square off the CRT A/C before
CSOLOP of their branch
Accounting entry at the remitting branch (SOLID say 8888):
Dr. INTER CBS FUND TRF PARKING ACCOUNT 88881032220001
Cr. CRT (Cash Remittance in Transit)

KNOW YOUR CUSTOMER REPORT (KYCREP)

A new report KYCREP has been introduced for generating report on KYC Data Entered/
Not Entered for Customers opened during a period.
Steps:
1. Type KYCREP in Menu Option and press enter. A screen will be displayed as shown
below.
2.
Enter KYC in Report Class and Press F4.
3. Press F2 in Report Number. Finacle will display KYCSUM (for summary report) /KYCLST
(for detailed report. User to choose appropriate option by pressing SHIFT+F4. Then
Press F4
4. Enter SOLID No./Set ID (For Zone as a whole) against Set ID.
5. Enter Date Range of Customer Opening date against From Date and To Date (in
DD-MM-YYYY format) and press F4.
The status report will be generated in the back ground and user to take the printout and
needed to update the KYC Data of the pending customers

Printing Report from GARUDA Menu


PLEASE DO THE FOLLOWING JOB FROM THE PC WHICH IS DIRECTLY CONNECTED TO
LINE PRNTER / DOT MATRIX PRINTER

LOGIN TO REPORT SERVER


http://report.ucobank.net.in:8082/report/
(Note :
Steps Involved :

Click is referred as Left Click )

MENU OPTION - GARUDA


Click on Parent Directory (As shown below)

47

Click Sol ID

Click on the relevant Folder where report is stored

Right click on the relevant report name

48

A new dialogue box appeas as below

By default system will save the file on Desktop

Upon successful download the following box appears as under.

49

Now go to Windows - Start and select run and type EDIT as shown below:

Click OK and the following box appears.

50

Click File Open

Select Desktop as shown below and Click OK

Select Report and Click OK

51

The file to be printed is displayed as under

Click File and the click Print from the menu

The Print dialogue box appears. Click OK to print.

52

PENDING- NON - FINANCIAL TRANSACTION


MENU: AFP / AFI

TABLE
NAME
CMG
UPR
GAM
PYRD
OTC
ATT
XXX
NAM
GET
CTB
SPT
SDR
IMT
IMA
DST
LRS
ITC
LLT
ANT

DESCRIPTION
CUSTOMER MAINTENANCE - CUMM / HCUMM
USER PROFILE --- HUPM
ACCOUNT MASTER - ACM
STANDING INSTRUCTION - SIM
RTGS / NEFT --- HRTGS
ACCOUNT TRANSFER FROM SOL- ACXFRSOL
CHEQUE DESTROY --- CHBM / CHBMAU
RTGS / NEFT --- HRTGS
EMPLOYEE DETAILS --- EFM
CHEQUE BOOK ISSUE --- ICHB / ICHBAU
STOP PAYMENT --- SPP / SPPAU
SECURITY / STOCK LODGEMENT SRM / HCLM
SIGNATURE UPLOAD LDIMG / IMGMNT
INVENTORY MOVEMENT -- IMC
DRAFT ISSUED MANUALLY -- DDSM
LOAN RESCHEDULING -- HLARA
INTEREST TABLE -- INTTM
LIMIT NODE MAINTENANCE LNM / HLNM
NOMINATION DETAILSACM -NOPTION
--------------------XXXXX-----------------

53

Finacle Core Banking


Solution

Is your bank ready for


tomorrow?

configure modules. Finacle provides all the

banks can expand product offerings on

building blocks of business functionality

demand and stay ahead in a competitive

enabling users to configure products and

marketplace.

The financial services industry is

processes flexibly in order to adapt to a

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dynamic environment. With a 360 degree

Mergers, consolidation, expansion, shifting

single source view into customer accounts,

customer preferences, emerging non-

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traditional competition and a continuously

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evolving complex regulatory environment

the right offerings, presented at the right

are just some of the issues on the minds of

time through the right channel

bankers worldwide. With change coming

The solutions componentized structure

this rapidly, banks must quickly embrace


the new world order and accelerate growth
to stay a step ahead of the competition.
This requires shedding away the
complexity which has grown significantly
across business functions and operations.
Banking leaders understand that
technology is critical for simplifying
banking to create sustainable business
growth. But, many are burdened with
disparate host systems added piecemeal,
over time, and developed on obsolete
technology. These legacy systems are
simply not equipped to readily respond
to change. However, bankers, having
grown weary of lengthy deployments and
the ensuing business disruption, have
apprehensions about transformation. Yet,
the need to modernize the organization
remains as compelling as ever. A painfree approach to banking transformation,
with an adaptive solution at the core, will
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themselves for tomorrow

Finacle core banking


Finacle core banking solution is a
comprehensive, agile, componentized yet

gives you unmatched agility to modernize


at your own pace - progressively or an
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priorities. The solution also enables you to
dynamically refresh your business model
by adding or upgrading existing modules

Configure bundled product suites: The


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banks to easily configure bundled product
suites to cater to the growing demands of
todays customers.
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solutions gives banks the flexibility to offer
differential pricing.
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core banking solution enables a 360
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to generate actionable insights for

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Eliminate data redundancy: Our core

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banking solution helps banks build a

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and further simplify your transformation


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Comprehensive offering to
support growth
Finacle has a layered Service-Oriented
Architecture (SOA), STP capabilities, Webenabled technology, and supports true 24
X 7 operations, so banks can:

Reduce costs: Our enterprise class


components empower you to create
central processing hubs and eliminate
duplicate functions & applications across
business units
Increase the productivity of frontline
staff: Automation and ease-of-operation
lends itself to increase in productivity.
Comply with emerging global
regulations: Compliance is every banks

Create a differentiated and unique

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assured of being compliant with growing

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personalized to their needs.

integrated business solution, addressing

Expand product offerings: With a

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Manage growth with proven scalability:


The solution is designed to be scalable and
support your pace of growth.

Functional architecture
Enterprise CRM
Marketing

Sales

Service

Interaction

Knowledge Base

Communication Channels

360 Degree View

Enterprise Customer Information


Enterprise Components
Payments

Liquidity Management

Dashboards

Origination

Product Factory
Consumer Banking and Wealth Management

Corporate Banking and Trade Finance


Corporate Banking

Consumer Banking
Saving & Checking

Time Deposits

Retail Loans

Mortgages

Current / Overdrafts

Islamic Banking

Mutual Funds

Securitization

Trade Finance

Wealth Management Solution


Structured Products

Commercial Lending
Leasing and Hire Purchase

Islamic Banking

Leasing and Hire Purchase


Insurance

Syndication

Equities

Forward Contracts

Bonds

Export / Import
Financing

Documentary
Credits

Guarantees

Functional Services
Standing Orders

Limits / Collaterals

Bill Payments

Clearing

Referral

Reusable Business Components


Interest / Tax

Exchange Rates

Bank Management

Fees / Charges

Inventory

Channel Rules

Discounts / Preferential Pricing

Signature Verification

Accounting Backbone
General Ledger

Enterprise
Components
Multi-Currency

Infrastructure

Transaction Manager

24/7 Multi-lingual Finacle Studio Single Sign On Integration Framework Purge Access Control
Workflow (BPEL) Reporting Audit Multi - Calendar Scheduler

Finacle core banking solution is a


comprehensive, agile, componentized yet
integrated business solution, addressing
all the core needs of banks, in easy-to
configure modules. Finacle provides
all the building blocks of business
functionality enabling users to configure
products and processes flexibly in order
to adapt to a dynamic environment.

Key modules

Corporate banking

Enterprise customer information

From simple products such as overdrafts

When more is known about customers their demographics, financials, preferences,


and the relationship they already have with
a bank banks are in a position to offer
them the right solutions at the right time.

and cash-term loans to complex ones


such as securitization and syndication,

business reports and rigorous statistical


models. This can be leveraged to
strengthen customer engagement and
differentiate the service experience.

this module presents a powerful range of

The customer analytics module supports

offerings for corporate banking. It includes

operations with comprehensive

commercial lending essentials such as multi-

intelligence, ranging from data acquisition

currency disbursements and repayments,

to reporting and analysis, leveraging

Finacle enables banks to create and

flexible and varied interest rate setup,

quantitative modeling techniques and

maintain a single source of customer truth

commitment fee setup, crystallization,

multi-dimensional reporting. It provides

enterprise customer information files,

amortization, and debt consolidation.

critical information such as customer

across multiple host systems including


Finacle. This helps manage the various
lifecycle stages in a relationship with the
customer and access comprehensive
segmentation information, all through a
unified view.

Finacle maintains the corporate


customer information files, corporate
deposits, commercial lending, corporate
origination and corporate payments with
comprehensive liquidity management,
sweeps and pool facilities. Its multi-

attrition scores or profitability measures


to help develop a clear picture of the
customer. This information can also be
extended to front-end applications or
combined with online tacit information to
help make timely and effective decisions.
There is also the flexibility to pick and

Flexible and user-definable templates

currency enabled centralized limits and

support KYC and AML compliance

collateral function lets banks monitor both

mandates.

collateralized lending and online exposure.

Consumer banking

Trade finance

acquisition, development, and retention.

As consumers ask for new products, banks

This module presents an end-to-end

Wealth management

can leverage the flexible product definition

solution for the trade finance needs of

capabilities of Finacle to create new

a bank. It is fully integrated with the

offerings and target campaigns exactly

payment system and exchange rate setup,

where they are most relevant. Each product

and supports multicurrency processing of

can be associated with a wide range of

trade products such as:

properties and then bundled meaningfully


based on customer input.
Offerings such as savings and checking
accounts, and provision for personal and
auto finance are easily supported. Multilayered productsstructured deposits,
multi-currency accounts, top-up deposits,
master term deposits, top-up loans,

choose specific customer analytics


functions, relevant to the business,
across the customer life-cycle stages of

Create new revenue streams by offering


high net worth individuals and the mass
affluent, products and services powered by
the Finacle wealth management solution.

Documentary credit
Forward contract
Import and export financing
Letter of guarantee
Factoring
Buyers credit

End-to-end processing of investment

Customer analytics

revolving loans and securitizationcan be

Any business can benefit from holistic

added as needed.

customer analytics through insightful

products across asset classes including


structured products, equities, mutual funds,
insurance, bonds, futures and options

Unified solution for wealth

management needs of front office, mid


office and back office
Straight through processing across
wealth and core banking functions
such as limits management, payments

Rule based configuration to accelerate


launch of new products such as dual

currency deposits, principal protected


deposits, range accrual deposits,
mutual funds, and insurance products
Islamic banking
Offer Shariah-compliant products to

Origination

Simplify and strengthen the complete


credit lifecycle, across retail and
commercial loans with Finacles enterprise

Standing orders integrated with payment


systems, enabled for multi-currency, with
auto-execution capabilities

Feature-rich bill payment that

loan origination solution

supports multi-currency payments and

collections

Supports the end-to-end credit


lifecycle from customer application

Remittances offering comprehensive

customers and address their needs for

to credit analysis and decisioning,

inter-bank and intra-bank funds

Islamic banking along with international

followed by loan onboarding and credit

transfer

offerings.

monitoring across various types of

loans, ensuring cost efficiencies and

Solution offers a flexible and varied


feature repertoire for banks to design
and deploy products for varying
market segments, based on different

optimum control.

Advanced rule-based underwriting


and integrated credit monitoring

Islamic concepts including Mudarabah,

capabilities, which empower banks to

Murabaha, Ijarah, Istisna, Kafalah and

control risk and achieve higher credit

Tawarruq. The solution also offers a

quality to increase profitability.

wide range of possibilities for business


users at the bank to create products and
embellish them with innovative features

Unified, comprehensive, real time

Dashboards
Advance operational efficiencies and
user experience by enabling availability

view of the client across the enterprise

of frequently used functions on a single

covering both Islamic & non Islamic

console. The widgets led design empower

products

banks to personalize the dashboard for

Payments

Pre-built widget library and robust widgets


creation infrastructure offer extensive

advanced enterprise payments services hub:

flexibility and enable banks to design

The solution manages end-to-end

the most optimum dashboard for


various users.

payments regardless of payment


instruments, originating channels,
hosting modules and payment
networks.

The SWIFT ready solution is designed

Functional services

leveraging ISO 20022 standards to deliver

that help banks differentiate offerings by

seamless interoperability across various

creating uniquely bundled products and

global and local payment networks.

services, such as:

services that support both paper-based

Automated exception and approval

management with referrals for financial


and non-financial exceptions

Reusable business
components
Users can define which business-enabler
functions of Finacle core banking to turn
on, and then reuse these across various
functions, such as:

Interest rate support for definition of

differential and slab-based interest rates

Rule-based Signature Verification


System (SVS)

Exchange rate structures with multitiered definitions

Tax structure definition and application


of withholding tax for defined events

Event-based charges with provisions


for online and batch collection of

Finacle core banking offers a wide range of


mainstream and bank-definable services

Flexible and feature-rich clearing


and image-based clearing

various roles to enhance user productivity.

Modernize your payments with Finacles

payments lifecycle and processes

charges

Support for preferential pricing and


discounts, both ad hoc and based on
customer segments

Inventory management
Elaborate channel rules and channel-

the-clock through branches and


channels even during batch job

and interest

execution and day-end operations

prepayments and multi-source

repayment configuration capabilities


for retail loans

Integrated, secure, and scalable


reporting infrastructure

Ease of integration with industry


standards-based framework and

Direct Selling Agent (DSA) features with

readymade adapters to integrate with

capabilities for sub-DSA, turnover and


commissions calculations

24 x 7 capabilities to operate round-

based differential pricing for charges

Rebates, clawbacks, subsidies, planned

Extensive framework for bank


management with user definition
capabilities, audit trail features,

existing and external systems

reporting and exception management

Accounting backbone

Finacle core banking has a built-in


integrated financial and accounting
management system with multicurrency

the latitude to create offerings with


differentiated features. With Finacle,
bankers can offer differential pricing, set
up channel rules, and easily customize
offerings across market segments.
Right-sell to customers effectively
The Enterprise Customer Information
File and CRM capabilities in Finacle offer
a unified view of the customer across
the entire solution and across multiple
back-end applications, letting users view

Single Sign On (SSO) for uniform and

the customer from a completely informed

common authentication

perspective. This information lets banks

Sophisticated security management at

forge more meaningful relationships with

application, database, and user levels

customers and aggressively explore right-

with built-in checks and role-based

sell opportunities.

access

Adapt to change quickly

Support for multiple calendars such as

The SOA allows the banks IT team to

Gregorian, Hijri and Buddha

make changes without touching the

A Batch Job Scheduler (BJS) to

automate invocation, execution and

base code ensuring minimal vendor


dependency, lesser operational risk, and
faster adaptability to changing business

support, that effectively serves banks with

monitoring of batch jobs at defined

multiple branches and profit centers.

schedules

conditions.

BPEL/BPML based workflow for

Increase operational efficiency and

The integrated general ledger module

automation of sequential business

productivity

transactions and allows real time generation

processes with reduced manual

of statements that show the banks financial

Finacle core banking supports business

intervention

event automation and process

Finacle Studio to create bank definable

orchestration, eliminating manual tasks

supports real-time online updating of

position. At the same time, the transaction


manager auto-generates all batch and
online transactions while processing
large transaction volumes, complete with
validations and defined checks.

business rules and logic for behavior


and outcome of business events

Business benefits

Infrastructure

Create differentiated products easily

Finacle core banking empowers users

Finacle core banking offers an unlimited

with a wide range of utilities to enhance

palette of features to design and deploy

operational efficiency and facilitate ease of

products for different market segments.

use. These include:

Its product bundling capabilities provide

and reducing process time. The elimination


of error and data redundancies results in
increased branch productivity, and Straight
Through Processing (STP) that, in turn,
reduces turnaround and processing time,
increases output and speeds up response
to customers.

About Infosys Finacle


Infosys Finacle partners with banks to simplify banking and arms them with
accelerated innovation to build tomorrows bank, today.

For more information, contact finacleweb@infosys.com

www.infosys.com/finacle

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