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Gramin Bank Of Aryavart

Objective(s): 1. For write of the outstanding amount

2. Do the transaction for Write Off
3. To provide report for observation of Write off account

Team Person involved: 1. Mr. Arvind Gupta

2. Mr. Rohan Sharma
3. Mr. Ajay Kumar Daranga
4. Mr. Suraj Kumar Choudhary
Department involved: 1. HO IT Department, Lucknow
2. Data Center, Navi Mumbai
3. HO CMNRD, Lucknow

Index
TOPIC PAGE NO.

 WOFF MENU FIELDS 2

 ADDITION AND VERIFICATION OF WRITE OFF ACCOUNT 3-12

a) ADDITION OF RECORD 3-11

b) AFTER VERFICIATION OF RECORD 11-12

c) TRANSACTION DETAILS 13

d) REPORT OF WOFF 14

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Fields in Woff
Function : A/I/M/X
Loan Account No * : xxxxxxxxxxxxxxx (Account should be NPA)
Account Name : System will show the account holder Name
Zone : System will show the RO Name
Branch : System will show the Branch Name
Asset Code Main : System will show the Asset Code Main
Asset Code Sub : System will show the Asset Code Sub
Date of NPA : System will show the Date of NPA
Sanctioned By : System will show the Loan account sanctioned by
Open Date : System will show the Loan account opened date
Balance : System will show the Loan account balance as on date
Category Code * : Branch need to choose the Category Code from the given list
Uncharged Interest : Calculate by the system as per
1. If NPA date range upto 1 yr then @ 9% simple interest on O/s amt
2. If NPA date range more than 1 yr then @ 7% simple interest on O/s amt
Write Off sanc Amt * : Enter the Write off sanction amount which will equal to Write off amount
Write Off Amount : System will show the Loan account balance which will write off
Total Sacrifice : System will calculate Write Off Amount + Uncharged Interest + UCI
Sanc Letter No * : Enter the Sanction letter no provided by the sanctioning authority
UCI : System will show interest calculated but did not applied in account
Remark1 : Enter remark
Nature of Loss * : Enter reason why this account chose for Write off / Compromise
URI Amount : System will show interest applied but did not recovered by borrower
DICGC/ ECGC/ CGTSE : Enter any subsidy received by DICGC/ ECGC/ CGTSE
Compromise Amt * : Enter Compromise amount which customer ready to pay
Anx Code * : Enter the Anx Code as per the OTS proposal
Date of Write off : System will take current date
SAR Submitted* : Enter the SAR submitted “ Y” or “N”
Provision Held : Need not do anything
Write of Sanc Auth* : Select the Sanctioning Authority as per the Write off amount
Type of Write off* : Select Regular or Compromise

Mandatory field:
Account No, Category Code, Write Off sanc Amt, Sanction Letter No, Nature of loss, Anx
Code, SAR Submitted, Write off Sanc Auth and Type of Write off are mandatory fields which
should feel as per the proposal sanctioned by the sanctioning authority.

2
 Addition of Record

1. Select the Function A and enter the loan account no

2. Select Category code of the account

3
3. List of Category code

4. Nature of loss should be mentioned

4
 5. Write of sanction amount should be equal to Write of amount

6. SAR submitted or not should be mentioned

5
7. Type of Write off Regular (Sub asset classification 40) or Compromise

8. Enter the Compromise amount

6
9. Anx code should be mentioned as per write of amount

10. Sanctioning authority should be selected as per write of amount

7
11. List of sanctioning authority

12. Sanctioning authority as per the write of amount

8
13. Sanctioning authority as per the write of amount

14. Sanctioning authority as per the write of amount

9
15. Sanction letter is mandatory

16. Confirmation before submit

10
17. After successful submission of record

After Verification
1. After verification of record for Compromise without URI .

11
2. After verification of record for Compromise with URI .

3. After verification of record for Regular Write Off without URI .

12
 4. Transaction details for Compromise Write off with URI

5. Transaction details for Compromise Write off without URI

Note:- If there is any UCI amount then Write off amount = O/s amount + UCI

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MISRPT > OTHERS> WOFF001

Write of Report
Sol id : 00020
Report Date : 26.12.2018

Sol id
Particular 00020 00020 00020
ACCOUNT NUMBER 000260200000021 000272210000004 000273410000011
CATEGORY_CODE A1 A1 A1
ACCOUNT_BAL -1,04,059.00 -2,35,844.00 -13,897.00
WRITE_OFF_SANC_AMT 1,04,059.00 2,35,844.00 13,897.00
WRITE_OFF_AMT 1,04,059.00 2,35,844.00 13,897.00
UN_CHARGED_INTEREST 46,368.00 47,175.00 5,403.00
TOT_SACRIFICE 1,50,427.00 2,83,019.00 19,300.00
COMPROMISE_AMT 1,000.00 0 50,000.00
NATURE_OF_LOSS TEST T DEATH
AMT_OF_URI 10,479.00 0 0

DATE_OF_SANCT_WITE_OFF 05-12-2018 06-12-2018 17-12-2018

TYPE_OF_WRITE_OFF COMPROMISE REGULAR COMPROMISE
CHIEF MANAGER
SANC_WRITE_OFF_AUTH BOARD BOARD BRANCH
ANX_CODE 2 2 1
SAR_FLAG Y Y Y
CBS_TRAN_ID S29458763 S29458760 S29458789
CBS_TRAN_DATE 07-12-2018 06-12-2018 17-12-2018
URI_FLAG L L L
WOFF_LIAB 0 2,35,844.00 0
UCI_AMOUNT 0 0 0

Report available in DR

MISRPT > OTHERS> WOFF001

For any clarification and feedback feel free to contact at 9119601849

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