Functional Description Document - PADB

National Informatics Centre - CCBS

Co-operative Core Banking Solution

Functional Description Document

For Primary Units
(Primary Agriculture Development Bank)
of
State Agricultural Development Bank, Punjab

National Informatics Centre

Department of Electronics and Information Technology

Ministry of Communications and Information Technology

Government of India

Functional Description Document - PADB

National Informatics Centre - CCBS

Table of Contents
1

Introduction......................................................................................................................... 2

About The Document.......................................................................................................... 3

2.1

Design Requirements .......................................................................................................... 4

3.1

User Classes and Characteristics ....................................................................................... 4

3.2

Operating Environment (OE) ............................................................................................ 4

3.3

User / Training Documentation ......................................................................................... 5

3.4

Assumptions (AS).............................................................................................................. 5

3.5

Dependencies (DE)............................................................................................................ 6

Applicability ...................................................................................................................... 3

Functional Overview........................................................................................................... 6
4.1

CCBS Profile ..................................................................................................................... 6

4.2

Customer / Member Maintenance ..................................................................................... 9

4.3

Share Maintenance .......................................................................................................... 10

4.4

Loans to Member [Module]............................................................................................. 11

4.5

Borrowing From SADB................................................................................................... 15

4.6

Branch Operation for PADB [Module] ........................................................................... 15

4.7

Term Deposit (FD/RD) at PADB for SADB [Module]................................................... 16

4.8

Bifurcation tyo PADB ..................................................................................................... 16

4.9

Reports at PADB [Module] ............................................................................................. 16

Abbreviations .................................................................................................................... 18

Functional Description Document - PADB

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1 Introduction
State Cooperative Land and Agricultural Development Banks was established to act as a
financing institution for Long term investment aiming development of agricultural related
projects. There are more than 5000 Primary Agricultural Development Banks across the
country, fulfilling the needs of providing financial services in rural areas. These Agriculture /
Land Development Banks are the institutions, which provide financial support to rural
population for agricultural/commercial purpose.

Objective of State and Primary Land / Agricultural Development Banks

Major Objectives are as follows:
A. To take Banking to the doorsteps of the people of State, Districts and Villages
B. To provide Long Term Credit facilities to Farmers
C. Creation of various resources of irrigation
D. Farm Mechanizations (Tractor/ Power tiller/ Thresher/ Sprayers etc.)
E. Promoting various components related to agricultural activities like Piggery, Goatry,
Fisheries, Poultry, Dairy and others like (Schematic Loaning)
F.

Promoting other Non Farm Sector (NFS) related activities

G. Advancement towards construction of residential houses in rural area (Home Loan)

H. To participate in schemes of the Govt., National Bank for Agriculture and Rural
Development (NABARD) and Reserve Bank of India (RBI)
I.

To raise funds by:

SADB

Issuing primary shares to PADB as a member ship share

Issuing shares against repayment
Funds by debentures, bonds, deposits
Loans from State Government and other financial agencies
Borrowing from SADB by Primary Agricultural Development Bank (PADB)
Admission and other fees

PADB

Issuing primary shares as a member ship share

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Issuing shares against loan

Borrowing from SADB by Primary Agricultural Development Bank (PADB)
Admission and other fees
Borrowing from other agencies

Taking loans by creation of mortgage or other charges or in any other way and upon such
terms and conditions as may from time to time be thought fit.

Contributing to the share capital of State Agricultural Development Bank

K. Other activities include:

Acting as an agent of State Agricultural Development Bank for getting deposit from
customers/ members.

2 About The Document

An initiative for computerization of working of PADB & SADB has been taken by BANK with
NIC. NIC will develop the application for working of PADB & SADB by customization of existing
NIC-CCBS application. This document is designed with a aim to cover the activities which come
under periphery of PADB. Based on discussion with State level and Primary Units, a brief
requirement was gathered and submitted along with proposal. This document has been
prepared after exhaustive discussion on various activities at all level and covers all functionality
of a PADB. It will serve as a guideline during customization of existing CCBS application. Bank
will accept and finalize this document as business requirement document.

2.1 Applicability
This document describes all functionality of PADB which will be fulfilled by
customized CCBS application of NIC. Various functionalities of CCBS have been
detailed in this document under following heads:

Functional Description

Sub Modules (As applicable)

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3 Design Requirements
3.1 User Classes and Characteristics
This section lists each category or group of users of CCBS application and provides
information regarding system utility, criticality etc. for each class of users

User Class Critical

Name
(Y/N)

SADB/PADB
Employees

SADB/PADB
Branch
Manager
AGM Offices

Regional
Offices
SADB
Monitoring
Level

Estimated
Number
How They Use the System
of Users
/Unit

Maintain daily transactions with customers and

SADB/PADB for all types of account.
Ending the Day for transactions and matching of
reports as per guidelines.

Generation of reports and making decisions on

various activities related with advances and
others.

1-2

Generation of reports and making decisions on

various activities related with advances and
others.

Generation of reports and making decisions on

various activities related with advances and
others.

1-2

Generation of reports (SADB/PADB) and

making decisions on various activities related
with advances and others.

3.2 Operating Environment (OE)

Operating environment defines the environment, from technology point of view, in which
users will run the programs. This will enable users to use the application up to best of its
ability. This section contains detail of browsers, operating system platform, any special

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versioning information, if applicable etc that are best suited to run the application to
maximize the application experience and output.

The CCBS application shall operate with any compatible internet-browser on

Windows platform.

The CCBS application will function only if secured network connectivity is available
in the local environment as per suggestions.

Users are well versed with ENGLISH language.

3.3 User / Training Documentation

Following are the documents that will be delivered along with the project

Name

Description and Format

CCBS-User manual

This manual provides a comprehensive list of menu options

available in CCBS for all banking operations and the
navigation options available through these menus.

CCBS-Handbook

Contains a brief description about the software and its

relevance for CCBS.

3.4 Assumptions (AS)

Following assumption will be taken into account while developing the application and
implementing it on site:Number

Assumption

AS

It is assumed that Manager of each Unit will play active role in timely
providing complete, correct and authenticate data during implementation
and post implementation of CCBS.

AS

Basic computer knowledge is expected from each user.

AS

Basic computer software and essential programs like Office-tool, Antivirus,

web browsers etc. is expected to be pre-loaded on computer by user.

AS

Printer

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3.5 Dependencies (DE)

Number

Dependency

DE

Hardware Deployment

DE

Smooth Network Connectivity

DE

Regular training & updates to end users

4 Functional Overview
4.1 CCBS Profile
Functional Description:
This module is meant to maintain profile of SADB/PADB
and will be used as updating/viewing of various masters, required in the application. It will
be created / updated by Admin role at SADB level as per the requirement and guidelines
issued by NABARD and /or SADB itself. There are several sub modules to cater the
requirements of application. Sub-modules and their functions in brief are given below.
i.

Masters {This is for creating various master which has been used in the
application. Eg Type of Gender, Type of Crop, Type of Segment and others, Type of
Role. PADB can only view the available users. This can be updated only by super
admin role at SADB level}
GL Type master to be created (Normal, schematic, NFS) and populated at GL
creation page in radio button
For loan account GL head the A/c segment will be like MI, Dairy, Farm,
Poultry etc.
All other masters of PADB relevant to loan, member, account and transaction
modules.

ii.

Roles Assignment PADB can only view the available users. This can be
updated only by super admin role at SADB level]
{This is to assign activity to various roles}

iii.

Creation of User ID
{This option is for creation of user id of employee and assigning PADB and his/her
role in assigned PADB. PADB can only view the available users. This can be updated
only by super admin role at SADB level }

iv.

Change of Password

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{This is for changing password of user}

v.

Holiday marking and Unmarking {Holiday marking will be done

through this option}

Parameter Settings [This can only be updateable by super admin role at SADB

vi.

Level]

{Parameter settings for PADBs will be handled through this option like postal
charges, legal charges and others}

GL Creation [This can only be updateable by super admin role at SADB Level]

vii.

{New GLs will be created through this option. In case of Loan GL Heads the
corresponding Scheme will be created once the GL head code has been created.}

viii.

GL Creation will have following data inputs

Account Group(Asset, income, liability, expenditure)Account Type(Loan& advances, intt. receivable etc)- Account Segment (MI, Dairy,
Farm, Poultry etc.)GL Head Name () Input Field

Share Scheme [This can only be updateable by super admin role at SADB Level]
{Share Scheme creation for share account}

ix.

FD Scheme [This can only be updateable by super admin role at SADB Level]

x.

RD Scheme [This can only be updateable by super admin role at SADB Level]

{FD Scheme creation for share account}

{RD Scheme creation for share account }

xi.

Borrowing from SADB Scheme [This can only be updateable by super admin
role at SADB Level]

xii.

Loan Scheme [This can only be updateable by super admin role at SADB Level]
{Information to any scheme can be categorized basically in Static And Dynamic
information of a scheme.
Static Information which will be captured with this option is
a) Basic Information like Loan Type, GL Id, Security type, Number

of

Guarantor, Minimum amount of loan that can be given under the scheme,
Maximum amount of loan that can be given under the scheme, Period of loan
in months, Installment frequency, No of installment, Interest Type, Interest
Frequency, linked to deposit, When Penal interest is to Charged, Penal
interest is to be calculated on Principal and or Interest also, Grace period in
months, Gestationperiod in months, Interest recovery in grace period
(true/false), Interest recovery frequency in grace period, Interest recovery in

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Gestation period (true/false), Interest recovery frequency in Gestation

period, Interest be charged in grace period, Interest frequency in grace
period, Ledgers (GLs) detail for Interest received, Ledgers (GLs) detail for
Interest receivable, Ledgers (GLs) detail for penal interest, Ledgers (GLs)
detail for postal charge if any, Ledgers (GLs) detail for misc charge, Ledgers
(GLs) detail for legal charges, Ledgers (GLs) detail for arbitration charge,
Ledgers (GLs) detail for decree charge etc., Is subsidy applicable, Is loan
against Share money,

Loan Scheme Type (Normal, Schematic, NFS),

Percentage of property value, Security type(from security master), Land

Value Percentage (This will be used at the time of calculating eligible amount
of loan), No of disbursement in the scheme

ROI Master [This can only be updateable by super admin role at SADB Level]

xiii.

{The information captured through this option is dynamic for the related scheme so
history will be maintained with effective date. In this case SADB will update ROI
which will be effective from back date and accordingly EMI/Quisht Jama bandi of
all accounts at all PADB which has been opened after the effective date will affect.
This option will only be available after DAY END and before DAY BEGIN. On next
day all PADB will get notification with details of loan account so that PADB will
take action for change in EMI / Quisht Jamabandi.}
Dynamic Information which will be captured with this option is
a) GL id, Segment (There will be a checkbox of allow waiver in segment master
creation), Type of ROI (Radio button, in case of change in base ROI the
segment will be disabled), w.e.f. date, lower amount, upper amount, Base
ROI,

Penal

ROI,

Interest

Subsidy,

waiver

in

ROI(in

General/Individual segment the waiver in ROI and base ROI

case

of

will be

disabled, Waiver in ROI which SADB gives to PADB will also be maintained
here as a segment.

Dash Board -> summary details of PADB Business (No. of Accounts, total Cash

xiv.

details etc.)

xv.

Notifications

ROI change
Loan pending for sanction

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Members pending for Share A/c opening

{Following notifications will be shown and operation available}

ROI applicable to Accounts

4.2 Customer / Member Maintenance

Functional Description: This module is meant for maintenance of Member / Customer
information like capturing basic information of a Member / Customer (Individual /Firm).
i.

Customer / Member Creation

ii.

Personal Information
{Whenever a farmer/borrower approach to PADB and he/she is new member
then PADB accepts his/her loan application along with Member ship form.
Virtually every new person is customer to SADB/PADB. All personal
information of customer / member will be captured here and a unique Customer
No. will be generated by application. A checkbox is available in the page that
will be for information whether this customer is required to be member at
SADB/PADB. If it is selected then a unique Membership No/Admission no. will
also be generated by application. The information capture activity is handled by
Assistant Role and Pass by Officer/Manager Role. If Officer/Manager feels that
there is some GAP in information in application and paper, it can be sent back
to assistant for modification.}
Address
{All types of address Permanent/ Official and correspondence address including
nominee will be captured by assistant and pass by officer/manager.}
Photo/Sign Photo copy of PAN Card
{Photo /sign in jpg format of about 25 kb size}

Customer / Member Modification before approval

{Assistant will modify the information as directed by officer and resubmit to
officer for approval.}
Personal Information
Address
Photo/Sign

iii.

Customer / Member Updation on request of member

{This function will cater the requirement of updation in member details like
change in address, mobile number etc. when requested by member.}
Personal Information
Address
Photo/Sign

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4.3 Share Maintenance

Functional Description: This module is required to maintain share money / allocation of
shares to members at SADB and PADB level. Sub menus and their functions are briefly
discussed below
i. Share Account Opening

Share account opening[Assistant]

{A share account will be opened in Share Money GL with requisite amount
(Number of shares(N) applied multiplied by value per share(V) plus
admission fee(A) and any other fee (O) defined in share scheme i.e. N*V
+A+O). Acceptance of Cash with denomination will be available. This
activity will be available for Assistant Role and assistant will submit for
approval of officer.}
Share account opening[officer]
{Officer has the pending list of share account which has been forwarded by
assistant for approval. Officer will approve, reject or can send back to
assistant for modification. After approved by officer, a voucher will be
generated by system.}
Share account modification[Assistant]
{This option will be for Assistant Role and will be used when officer sends
application for modification. All pending list will be available to assistant
and assistant will modify accordingly as remarked by officer on physical
file. After required modification, assistant will again submit a/c opening
application to officer for approval.}

ii. Share Transfer

Share Transfer [Assistant]

{Transfer of shares to nominee and other member will be handled through
this option. There will be involvement of share transfer fund. Assistant will
submit the application to officer for approval.}
Share Transfer [Officer]
{Transfer application as forwarded by assistant will be available to officer
for approval.}

iii. Share Account Closing

Share Account closing [Assistant]

{Share A/c closing activity will be handled through this option}
Share Account closing [officer]
{Share A/c closing list will be available to officer for approval.}

iv. Share Purchase

Share Purchase [Assistant]

{This option is meant to purchase additional share which will be required
during loan disbursement. At the time of loan disbursement there will be
check that whether required share money is available or not. Depending

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upon the requirement of extra share money, member will purchase extra
share through this option.}
Share Purchase [Officer]
{List of Extra Share purchase will be available to officer for approval.}

v. Share certificate
{Share certificate can be print from this option}

4.4 Loans to Member [Module]

Functional Description: Loan module covers the process of loan to members under
different scheme at PADB level. Sub menus and their functions related to loan processing
are briefly discussed as below

i.

Loan Application

Loan Application [Assistant]

{A farmer/borrower approach PADB for obtaining a loan under a specified
scheme. He/she becomes member, if not already, then submits loan application
along with loan fee and documents for the plot which he/she produce for the
loan. The information which will be captured during this option is }
Basic information
Member ID {Add member id with this loan application}-Pre-requisite
Loan Account segment (MI, Dairy, Farm, Poultry etc)
GL Head/Scheme, {All information will be display after head selection.}
Account segment (Female , Sr. Citizen etc)
Interest Details ROI, penal interest, subsidy and other related data
will be fetched as per GL head scheme and segment selected {This will be
displayed after selecting the segment/scheme/GL and non editable}
If PADB wants to waive the interest rate extra to farmer/borrower, other
than define in the segment, a extra waiver will be captured for a
particular loan application.

Land Detail Village Name/No, Plot/Khashra No., Area (Extent1, Extent2),

Value.
{This information may be in multiple times like borrower may pledge
more than one plot for taking loan}
Share money account and its detail will be displayed on entry of MemberID.-Pre-requisite
Loan application fee account detail will be displayed on entry of MemberID-Pre-requisite
A new option for taking Loan fee and Insurance fee will capture loan fee and
a voucher will be generated for corresponding member id. This will be
through cash transaction only as no deposit account is maintained at PADB.
Loan Amount Related Information
Applied Loan Amount

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Eligible amount (Based on land holding and percentage defined in

scheme),
Sanction Loan Amount (Should be less than eligible amount. Not
editable at this time as this will be editable at the time of sanction by
Manager.

Guarantor for Loan Guarantor details will be capture such as MemberID,

Account No etc.

A unique Loan application number will be generated and the officer will see
all the loan applications created by assistant in this step.
Loan Application [Officer]
{All the loan applications created by Assistant and verified by field officer will
be shown in a grid view to the Officer. The officer will select a case and proceed
further by click on link proceed button. All the related information which has
been captured by assistant will be displayed and officer may cross verify with
the details on physical file. The officer will have three option / buttons on the
page.}
a) Assign to Field officer {This option will be available when application
comes from assistant only. A list of field officer will be available to officer.
(There will be a column in loan application table to capture the field
officer id.)
b) Sent to Assistant to Modify {In case the modify button is clicked then the
application will be sent to assistant for its modification}
c) Reject
There will be remark field which will be mandatory in case of option b
and c above.

ii.

Loan Application [Field Officer]

{All the loan applications assigned by officer will be shown in a grid view to the
Field Officer (FO). The FO will click on proceed button for further processing.
The FO can only view the details of borrower (Name, Address and specially
land details). Only field which is editable will be remark have only one option /
button (on the page with mandatory remark field.}
(There will be a column in loan application table to capture the verification date)

Loan Application Modification [Assistant]

{All the loan applications sent for modification will be shown in a grid view to
the Assistant. The Assistant will click on proceed button for further processing.
After required modification the assistant will click on submit button to send the
loan application to officer for further processing.
The steps mentioned in point number iv. Loan application [Officer] mentioned
above will be followed.}

Loan Application Sanction

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Loan Application Sanction [Officer]

{A list of all pending loan application which has been forwarded by FO after
marking his/her remarks will be available here and Officer will have option to
Sanction / Reject. A unique Loan sanction number will be generated by
application. FO can take print out of the sanction order and get signed by
concerned for further activity.}

iii.

Loan Application Mortgage

iv.

Loan Application Final Approval

v.

Loan Application Mortgage Details[Field Officer]

{Once loan application is sanctioned by Officer and a unique sanction number
has been generated, this loan application will be available in the pending list in
this option with sanction number. Once FO finalizes the activity at Tehsil and
has the mutation deed paper. FO will punch the required information by
selecting the loan application by sanction number. The information capture by
FO may be deed number, deed date and others. After providing the required
details, FO will submit the application to Officer for Loan Approval.}

Loan Application Approval [Officer]

{Once mortgage details have been punched by FO, then this application is now
finally available to officer in the pending list through this option.
Now officer will finally check the details of an application and have the option to
approve / reject.
A unique loan account number with zero amount will be generate by
system at this stage.

Loan Disbursement

Loan Disbursement [Assistant]

{Once loan has been finally approve and a unique loan account number has
been generated, the disbursal of loan amount will be initiated by assistant.
Assistant will punch the sanction number/loan account number and disbursal
amount will be calculated by system based on the loan scheme. The assistant
will verify the disburse amount and modify, if applicable, and click on submit
button. The transaction mode will be transfer. The voucher ID will be generated.
At this time the required share money (From the loan scheme 3%) will be
checked by system. If share money is less, then a message will come showing
that this much amount is required before releasing the loan. The share money
required (3%) will be calculated keeping in mind the other loan of the same
member. eg. If there is another loan a/c of member then there will be a
possibility that some share money is free and can be used for this loan account.}
Assumption: All disbursement will be made through cheque.

Loan Disbursement [Officer]

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{The pending transactions will be shown as in Transaction Authorization

[Officer] page in transaction mode. The officer will pass the transaction.}

vi.

Loan Scheduling (Quisht Bandi)

Loan Repayment Details
{This option will be used to generate the EMI/ Quisht Bandi for a loan account.}
If case where total loan amount has to be disbursed in parts, installment amount
is calculated on the basis on total loan amount. Since installment amount will be
more than what it should be, so last installment will be recalculated at the end
tenure.
1. If loan scheme do not have any grace / gestation period than EMI will
calculate according to given ROI, Applied amount and period.
2. If loan scheme have grace period then EMI will calculate and start after
grace period and in this EMI, there will not be ant interest recovery
during grace period.
3. If loan scheme have gestation period, then in this period only interest will
be recovered.

vii.

Recalculation of Quisht (After change in ROI)

Loan Quisht Recalculation [Officer]

All the Loan account of GL Head for which the ROI has been changed
will be shown in grid view to the Officer with a preselected check box in
disabled mode for rescheduling. There will be reschedule button on the
page.
In case the rescheduling has been done with back date
The increase/decrease in interest will be adjusted in latest EMI.

viii.

ix.

x.

Loan Repayment / Transaction through Cash

{All cash and transfer transactions including loan repayment through cash will be
handled through this option.}

Loan Account Closing

{Loan a/c will be closed by this option. It will check prerequisite that loan amount
has become zero before closing of the same.}

Loan Subsidy Adjustments.

{Subsidy applicable to loan accounts [May be scheme and segment wise] will be
applicable through this option}
xi.

Loan to Employee

{This is a scheme in which system will not check whether farmer/borrower is

member in Loan application process and waive off from loan fee amount. In case of

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Staff/Employee loan, ROI will be applied as simple and initially principal amount
will be adjusted towards recovery than interest amount.}

4.5 Borrowing From SADB

Functional Description: This module is accessible at PADB level to borrow loan against
the loan given to members. SADB will repay the exact disburse amount to PADB on
production of original deed.
i.

Borrowing from SADB [Assistant]

{This option will generate PRONOTE against the scheme wise disbursed amount to
each loanee/farmer. PRONOTE will be GL/Scheme and segment wise so that one
PRONOTE will have similar loan with similar ROI. Assistant will make promotes
and submit to officer for approval. }

ii.

Borrowing from SADB [Officer]

{This option will show all the pending promotes, generated by assistant role with
PRONOTE number, amount, number of account, scheme name and others as
required. Officer will pass the PRONOTEs generate by assistant.}
Notes :- Pronote will be generated at PADB level of each Scheme / head with segment
and ROI wise. All generated pronotes will be available at SADB level and SADB will
generate a loan account of each pronote and disburse loan amount against each
pronote.

iii.

Repayment from PADB to SADB.

4.6 Branch Operation for PADB [Module]

i.

Customer / Member Search

{Facility to search Customer / members and fetch the required details}

ii.

Account Search
{Facility to search account details on the basis of customer / member information}

iii.

PADB Close
{Validation will be checked before each PADB close. After closing by PADB only,
SADB will be able to close the day and perform day end activity. SADB will also
have the option to begin the day. PADB will advance to next working day only when
SADB performs day open operation.}

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iv.

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Transaction enquiry
{Facility to search transactions on the basis of provided inputs like date, GL,
Amount etc.}

v.

Ledger View
{Facility to view ledger details for specific account between two dates}

vi.

Interest application
{Interest will be calculated on day product basis. The interest will be applied on pre
defined period of interval .The interest application will be done at PADB level. Penal
interest will be applicable as per scheme.}

vii.

A/c Maintenance with commercial bank

{PADB maintains a/c with commercial banks for inward and outwards of cheques.
Punching of cheques and reconciliation with banks activity will be handled through
these options}

Maintenance of cheques, issued to farmer/borrower for loan disbursement

Maintenance of cheques, issued to SADB for repayment

Maintenance of cheques, received from farmer/borrower

Maintenance of cheques, received from SADB

4.7 Term Deposit (FD/RD) at PADB for SADB [Module]

Functional Description:
catered by this module.

PADB is working as agent of SADB for deposits. This is

{As PADB is functioning as agent of SADB, a role will be created in SADB and PADB will have login
id to access the role. PADB will create FD/RD and it will be available to pass by PADB as officer.
FD/RD account will be open at SADB level and will reflect liability side of Trial Balance at SADB
level only.}

4.8 Bifurcation of PADB

On the basis of geographical distribution, a single PADB may be bifurcated into two with selective
customers & related member level. In case of bifurcation of PADB, there will be need for
separation of members, shares, borrowings, profits/losses, capital, accounts etc. In CCBS
application, bifurcation of PADB will be possible through backend side at NIC-Data Centre.

4.9 Reports at PADB [Module]

Functional Description:
PADB/SADB matches their accounts by preparing daily/
monthly and other type of reports.

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{Daily reports like Day Book, Trail Balance, Profit & Loss with required report as required.}
i.

Day Book

ii.

Cashier Book

iii.

Transaction Statement

iv.

Personal Ledgers

v.

General Ledger Balance

vi.

Trail Balance Report

vii.

Profit & Loss statement

viii.

Disposal of Loan Report

ix.

Women Beneficiary Report

x.

Monthly deposit mobilization report

xi.

Overdue report

xii.

Cash Credit Ledger

xiii.

Account maintenance report

xiv.

Demand Collection Balance Report

xv.

GL Head Details/Report

xvi.

Daily Transaction Reports

xvii.

FD Matured Report

xviii.

Loan Application Report

xix.

Loan Sanction Report

xx.

Loan Release Report

xxi.

Rate of Interest Report

xxii.

Pronote Status View

xxiii.

Different Registers
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.

Membership
Share allotment Register
Share Transfer Register
Loan Disbursement
Cash register
Other commercial bank register
NPA Classification
Investment Register
Quistbandi Register
Bills & Draft
Term Deposits
Balance Register
Current A/c with Other Bank
Cheque Issue Register

17

Functional Description Document - PADB

15.
16.
17.
18.
19.
20.
21.
22.
23.
24.
25.
26.

National Informatics Centre - CCBS

Voucher Register
Monthly Performance Loan Advance Register
NPA Provision Register
Staff Loan Register
FD Issue Register
RD Issue Register
Consumer Loan Register
Sundry Register
Interest Payable to SADB
Denomination wise balance
Loan movement register
Subsidy Register

5 Abbreviations
1.

SADB : State Agriculture Development Bank

2.

PADB : Primary Agriculture Development Bank

3.

FD

: Fixed Deposit

4.

RD

: Recurring Deposit

5.

NPA

: Non Performing Asset

6.

GL

: General Ledger

7.

ROI

: Rate of Interest

8.

NFS

: Non Farm Sector

9.

EMI

: Equated Monthly Installment

18