20. GOVT.

BUSINESS
Page

Section

Section Description

20.01

OLTAS: On-line Tax Account System

402

20.02

Public Provident Fund Scheme 1968 (PPF)

424

20.03

Senior Citizens Savings Scheme 2004

440

20.04

Some Common Problems PPF & SCSS

Transaction on Accounts of Ministry of Company Affairs
(MCA)
CPWD Functionality

20.05
20.06

444
445
447

20. GOVERNMENT BUSINESS

20.01 OLTAS: On-Line Tax Accounting System:
20.01.01. Software Features & Technology Dimensions of OLTAS Project:
Introduced w.e.f. April 1, 2004 and became functional in CBS from June 1,
2004.
Attempts to make payment of Direct Tax simpler for tax-payers.
CBDT introduced Online Accounting of Tax payments being collected by RBI
and 31 other Banks throughout the country.
Objective:
Simplify procedure of Tax payments.
Ensure fast and accurate credit.
Monitor Tax collections on a day-to-day basis.
Salient Features of the Scheme:

Reduction of different types of Challans from 7 to 3.

Introduction of a single copy Tax Challan, instead of 4 copies at present.(It

is now mandatory to give computer receipt which contains all
necessary particulars)

Challan will be identified by a Unique Challan Identification Number as

well as the Permanent Account Number (PAN) or Tax Deduction Account
Number (TAN) mentioned on the Challans by tax-payers.

The new Challan has a main copy and a counterfoil.

Banks will enter the data from the main copy of the Challan and transmit it
On Line to CBDTs Tax information Network (TIN) from where the data will
be uploaded to the Departments National Computer Centre (NCC), New
Delhi and the Regional Computer Centres.

Tax-payers will not be required to enclose copies Challans with their

returns; instead they will have to mention only the CIN on their returns.
This will lead to effective de-materialisation of Challans.

The Department will verify claims for credit with the information available
from the TIN based on the unique CIN. The transmission of data from banks
to TIN will take place on a T+2 basis instead of over 15 days as at present.

OLTAS Facilitates and Ensures:

Straight through Processing
Integrity of Data
All validations of our Main Accounting System

402

 Creation and Validation of data string

Timely and speedy Data Transmission
All transactions are accounted for and reported the same day they are
realised
Prevents Misclassification of Govt. Head
All reporting requirements are taken care of
Error Correction effectively handled
Features of OLTAS Software:
Parameterisable on Major Head, Receipt & Payments separately
Single screen for transaction posting and capturing of additional details.
Maximum fields populated automatically
Checklist indicating errors & other details
String Generation only on complete valid data
Auto generation of Nil String at EOD
Auto transmission of String, once generated
Validations: The following type of validations are done for the fields mentioned in
the record structure:
List based validation
Minor Head, Nature of Payment code etc.
Inter field relation
For Minor Head 200 of Corporation Tax Nature of Payment is must
For others PAN should be with Valid structure
In case no PAN/TAN is given, Address, City/ District & State Code is a must
Structure validation
PAN/ TAN validation
Name should be manually validated for PAN/TAN
Mathematical Validations
20.01.02. On-Line Tax Accounting System (OLTAS) - Activities to be performed:
1. Creation of Non-Personal Customer of Government Type (one-time).
2. Opening of an Government Account.
3. Posting of Transactions and capturing of additional details.

403

1. CREATION OF NON-PERSONAL CUSTOMER OF GOVERNMENT TYPE:

Creation of Government Accounts viz., Income Tax, Corporate Tax in CBS will arise
only if these accounts have not been migrated from Bankmaster or a particular
service like Income Tax collection is newly introduced in the branch.
Usually branches in CBS have to open 2 CBDT Deposit Accounts (under Product
4064 1401), one for Income Tax and another for Corporate Tax.
Corporate Tax Account should be linked to the Government Major Head 0020.
Income Tax Account should be linked to the Government Major Head 0021.
All Government Accounts are treated as Current Accounts in Core Banking.
Menu: Customer Management Create Non-Personal Customer.
This opens the Screen \\SCR: 062001 Create Business Customer Wizard.
The procedure of creating a Non-Personal Customer of Government Customer is
similar to that of a Normal Customer Creation:
Field Customer Type: select 020101: NON PERSONAL-GOVERNMENT-CENTRAL
from the Drop Down menu.
Field Business Name: Enter for example Income Tax, Corporate Tax etc.
Fill in the other details and complete the Customer Creation process.
A CIF Number would be generated. Please note it down.
2. Opening of a Government Account:
Open One Government Account for every Branch for each Sub Head.
Menu: Deposit Accounts & Services Create New Deposit Account
Screen \\SCR: 002000pmt CIF: Create Account Prompt is displayed.
Enter the Government Customers (created in step 1) CIF Number (Use Search
facility if needed).
Click on the Transmit button.
Screen \\SCR 002000 Create Deposit Account is displayed.
This is the first of the five tabbed screens used for creating all types of Deposit
Accounts. In the Core Options Tab:
Field Account Segment Type: select 5050:Others from the Drop Down menu.
Selection of any other Account Segment Type will give the error 5372: GLCC
Code not Present in Chart of Accounts.
Input the appropriate Account Type and Account Sub-Type for various GOVT
Accounts, as per the list given below.

404

A/c Type

Sub Type

Product Type

Cust Cat

Loc/Ter
m

Curr

40
40
40
40
40

63
64
65
66
67

1
1
1
1
1

40
40
40
40
40

1
1
1
1
1

GOV-CEN-CBEC-PUB-ALL-INR
GOV-CEN-CBDT-PUB-ALL-INR
GOV-CEN-UMEA-PUB-ALL-INR
GOV-CEN-MISC-PUB-ALL-INR
GOV-CEN-POST-GEN-PUB-ALL-INR

40
40
40
40
40
40
40
40
40

68
69
70
71
72
73
74
75
76

1
1
1
1
1
1
1
1
1

40
40
40
40
40
40
40
40
40

1
1
1
1
1
1
1
1
1

GOV-CEN-CCPP-PUB-ALL-INR
GOV-CEN-DEF-GEN-PUB-ALL-INR
GOV-CEN-DEF-PEN-PUB-ALL-INR
GOV-CEN-RLY-GEN-PUB-ALL-INR
GOV-CEN-RLY-PEN-PUB-ALL-INR
GOV-CEN-TEL-GEN-PUB-ALL-INR
GOV-CEN-TEL-PEN-PUB-ALL-INR
GOV-CEN-CENTRAL-PUB-ALL-INR
GOV-CEN-CDS-PUB-ALL-INR

Name of Govt A/c

40
77
1
40
1
GOV-CEN-RBI-RFS-PUB-ALL-INR
Field Customer Category: select 1: Public Individual.
Field Location/ Term: select 40:All.
Field Currency: select 1:INR
In the Govt/PPF/Cr Card details Tab, fill in the following details under the
section Government Account Details:
Field Linked Branch Code: Enter in the Focal Point Link Branch Code.
Field Central Govt. Code: Enter data in the first two boxes only. For Income Tax
it will be 4 in the 1st box and 21 in the 2nd. Similarly for Corporate Tax these
will be 4 and 20 respectively.
Field Primary Acct: select Y:Yes from the Drop Down menu if the Account being
created is the Primary Account, otherwise, select N: No.
Field Primary Acct: if the field Primary Acct is N:No, then enter the Primary
Account Number (which should have been opened earlier) in this field. Else leave
it blank.
Field Advice Reqd: select N:No. Y:Yes is meant for Treasury Cheques / Bills
where an Advice is required. This is normally used for State Government Bill
payment.
Click on Transmit.

405

New Account Number is generated for the particular Govt. Type Account. After
opening the Govt. Account it is useful to give a name this Account. For the
purpose, go to the Menu: Deposits/ CC/ OD Accounts & Services Amend
Deposit/CC/OD/Accounts. Enter the Account Number and in Option give Account
Names. In the next screen Type Income Tax or Corporate Tax in the Short
Name as well as in Long Name fields. Now if you enquire the Account you will find
the Account Name field duly populated with the name.
Additional Details: Now additional details need to be captured for this Account.
Go to the Menu:
Deposits/CC/OD Accounts &Services
Amend
Deposit/CC/OD Accounts. Enter the Account number and in Option, select J:
Additional CC/OD Details and Transmit. In the next screen, give the relevant
information and Transmit. An OK message is displayed.
3. OLTAS Transactions (CASH/ TRANSFER):
Posting of Normal Receipt Transaction & Govt Additional Details in A Single Screen
When a customer approaches the CBS branch with a challan to deposit Income-Tax
or Corporate-tax, first thing the Branch has to ensure that all the particulars like
Name, PAN/TAN No, Address1, Minor Head, Assessment Year And Nature Of
Payment (if Minor Code is 200) are correctly filled in the challan as these are the
mandatory fields in the present system. Verify these details at the time of
accepting the challans from customers, otherwise system will not allow to
authorize the transaction which will result into incomplete string generation and
thus rejection at Focal Point Branch.
Once the branch receives the challan, post the transaction and capture Additional
Details as per the challan tendered by the depositor, in the same screen.
Menu: Government Business Government Receipts
Screen: //SCR: 7147 Deposits: Government Business is displayed. Enter the
Government Account Number, PAN/TAN/ Assessee Code. In case of OLTAS
Transaction Minor head is mandatory, where are Minor head field should not be
used for EASIEST Transaction.
Click Transmit
A new screen \\SCR: 7148 Deposits: Govt Additional Details Receipts is displayed.

406

(Note: Based upon the TAN/ PAN/ Assessee code typed in Screen No.7147, the
Assessee name and other related details will be populated if the data is available
in CBS database. In case of OLTAS, Minor head is made uneditable. If the PAN/
TAN/ assessee code is not available in CBS database, transaction will still be
accepted if structurally valid otherwise rejected.)
The following are the mandatory fields:
Amount: Enter the amount of the challan. System will give an error while filling
additional details for any OLTAS transaction for decimal amount
Tran Mode: Select appropriate option from the drop down menu, e.g. 01:Cash.
Tran Type: Select N:Normal.(Option Residual is meant for arrears of taxes of
previous year)
Minor Head: Enter as per the challan. Meant only for CBDT Transactions.(Minor
head code 200 is meant for TDS)
Depositor Name: Enter as per the challan.
Address1: Enter as per the challan.
Pan/Tan No.: Enter as per the challan. Meant only for CBDT Transactions.
Note: PAN should be used for all the Major Heads and for all the Minor Heads
except Minor Head 200 (meant only for TDS). For Minor Head 200 Tax Deduction
Account No. (TAN) should be used only. The permissible Major Heads are 04020
(Corporate Tax) and 04021 (Income Tax)
State Code: Enter as per the challan.
Nature of Payment: Select if Minor Code is 200.
Assessment Year: Select from the drop down e.g. It is 2006-07 if the financial
year is 2005-06.
407

Other important fields are:

Field Related Financial Yr: Enter as per Challan.
Field Field Related period in Fin Yr: Enter as per the Challan.
Fields Income Tax Amt, Interest Amt, Surcharge Amt, Penalty Amt,
Others Amt: input the values in these Fields as per Challan.
The sum total of these 5 Sub-heads must be equal to Amount.
Field Pen Pymt Code: if a value has been entered against the field Penalty
Amt, input correct value from the Drop Down, as per the Challan.
Field Remarks: Input suitable remarks.
Field Dealing Govt. Office: name of Dealing Govt. Office may be input.
Fields 4, 5, 6 & 7: these fields are not mandatory.
Field Pan/Tan No, fill up Pan or Tan number as applicable.
Now click on Transmit. Once completed/authorised, A screen/back-screen will
appear for printing the Receipt containing all important particulars like Bank
Name, Tax Payer Name, TAN/PAN, Journal No., Break up of amount Account Code,
Minor Head, Nature of Payment, Assessment Year, BSR Code, Challan Serial No.
etc. Now, it is mandatory to give computer receipt for OLTAS/ EASIEST Deposits
as a best customer service as well as to give all necessary details about amount
deposited by the customer.
20.01.03. Rectification of the Transaction in Different Ways:
I. Same Day Correction:
Correction of Wrongly-posted Transaction:
Note: Additional Details should be captured, else string with negative amount
would be generated and thus rejected by the Focal Point.
Menu: Transactions Posting Deposits / CC / OD Accounts Corrections
Receipts Cash or Cheque.
Screen \\ SCR:001110 Deposits: Correct Cash Deposit is displayed.
Field Account Number: Enter the Government Account Number where wrong
posting has been made, which has to be reversed.
Field Amount: Enter the amount of the wrong transaction.
Field Trace Number: Enter the Host Trace Number of the wrong transaction,
which has to be reversed.
Field Statement Narrative: Enter suitable narration.
Click on Transmit.

408

Note: In case of Correction, we have to use same From A/C No and To A/C
No as it was given at the Time of Receipt Transaction.
After transmiting, the record will be corrected and Govt Txn Journal No and
Challan No will be generated.
ii. Correction/ Reversal on Subsequent Days:
OLTAS String was generated and sent with Credit given to Wrong Account- (Say
Income Tax Account credited instead of Corporate Tax).
Important:

Reversal Corrections on subsequent days should be done only after

ascertaining from the Focal Point Branch that the string for the erroneous
entry has been received by them.

With effect from 5.11.2006, the OLTAS.DOC has been discontinued and
replaced with the new error report OLTAS-err_XXXXDDMM.REP and
EASIEST-err_XXXXDDMM.REP (XXXX-branch code in four digits). The error
report is being sent on the next day to the report folders of the respective
branches whenever the branches default. W.e.f. 04/10/2008, reports are
being generated daily before EOD. (The error reports are also available in
SBITIMES Useful Links -> Data WareHouse Portal Web OLTAS Project.
Additional facility of PAN/ TAN/ Assessee Code Query is also provided for
dealing branches to ensure the correctness of PAN/ TAN/ Assessee Code
information before keying in. Feedback/Suggestions can be e-mailed to
dgm.gad@sbi.co.in) Defaulting branches should go through the daily OLTAS
default list displayed in the Service Desk, verify the nature of error from
the error report, make necessary corrections and regenerate the strings.
Failed / Pending OLTAS strings can also be viewed, along with reasons, on
SBI Times, under the link Reconciliation OLTAS.

Front-end re-generation of string has to be done for the correction

transaction, after reversal of erroneous entry.

Before reversal of an erroneous entry, it should be ensured that reversal

amount does not exceed the days receipts. Otherwise, negative string will
be generated.

STEP-1 OLTAS Reversal for Transfer Credits.

Reversal of original wrong credit to Income Tax Account. Put through a normal
debit (payment) transaction in the Income Tax Account using Menu:
Transactions Posting Deposits / CC / OD Accounts Transfers By Voucher
to Deposit.
Message OK, GOVT TXN JRNL NO.. CHLN NO. is displayed.

409

STEP-2 Additional Details

Now go to the Menu: Government Business Govt. Txn Additional Details.
Screen \\ SCR:007055 Deposits: Additional Govt Details is displayed.
Enter the reversal transactions Journal No and date of reversing in the fields
Journal Number and Txn Date.
Enter Journal Number and the Date of the original Transaction in the fields
Journal No. Of Original Txn and Txn Date of Original Txn.
In the field Txn Type, select R:Reversal txn and then Transmit.
Additional details (Screen 07056) entered originally pop up. Just Transmit after
entering in remarks field Reversal TXN .
Please note that the branch has to select Txn Type as R:Reversal, otherwise the
reversal transaction will be generated as Record Type-6 (payment), which will not
be accepted at NSDL/Focal Point.

Select R for
Reversal of
original entry

Queue Reference Number will be generated. Verify the transaction and authorise
the queue. (Only a O.K. Message is received). Correction string as Record Type-8
will be generated on EOD at CDC and will be transmitted to Focal Point.
STEP 3 Posting of Transaction in the Correct Account
A fresh Transaction has to be put through to the Correct Account, i.e. Corporate
Tax in the example, using the single screen.
Menu: Government Business Government Receipts
Screen: //SCR: 7147 Deposits: Government Business is displayed.
Enter the Account Number of the Corporate Tax Account. Click on Transmit.
Screen \\ SCR: 7148 Deposits:Govt Additional Details Receipts is displayed.
Enter the required transaction particulars and Additional Details. On transmitting
the details, Queue Reference Number is generated. On authorizing the Queue,
Govt Journal Number and Challan Numbers are generated.
Now go to the Menu: Government Business Govt. Txn Additional Details.
Screen \\ SCR:007055 Deposits: Additional Govt Details is displayed.
410

Enter the new transactions Journal No and Date in the fields Journal Number and
Txn Date on fields in the top half of the screen.
Enter Journal Number and the Date of the original Transaction in the fields (in
second half of the screen) Journal No. Of Original Txn and Txn Date of Original
Txn.
In the field Txn Type, select C:new corrected txn and Transmit.
Additional details entered originally pop up. Fill in details on screen no. 7056 and
Transmit. On transmitting, a Queue Reference Number is generated. Authorise
the Queue. During EOD new string will be generated for correct account.
20.01.04 Re-Generation of OLTAS String from Front-End:

Re-generation of OLTAS string is necessitated in case Additional Details for a

Transaction were not given and these are being completed on subsequent
days.

Re-generation of OLTAS string is also required for correct transaction posted

on subsequent days, after the reversal of the erroneous transaction.
Menu: Reports Initiate Request for Host Report.
Screen \\ SCR:069088 PFM:Adhoc Report Parameter Maintenance is displayed.
Enter the values in the fields as follows:
Function: Select C:Create.
Request Branch: Enter the five digit Branch Code.
Report Id: Enter IF3104 (IF3904 for MCA & IF3705 for EASIEST).
Process Flag: Let the default N:No be there.
Immediately Required: Select Y:Yes.
From Date, To Date: Enter the dates. The total number of days should not
exceed 10 days. It is, however, desirable that strings are re-generated separately
for each date. Further, the From Date must be prior to the System Date.
Click on Transmit. Journal Number is generated. The status of the string re-generation
can be enquired using function as E:Enquire in the above mentioned screen.
20.01.05 How to Define/ Amend Link Branch Code in the CBDT Accounts:
Link Branch Code is the Focal Point Branch where the OLTAS strings have to reach
ultimately. It should be mapped to correct Focal Point Branch with Correct Branch
Code, otherwise string will not be generated. Further, all the CBDT Accounts
should be mapped to a single Focal Point Branch only.
Menu: Deposits/ CC/ OD Accounts & Services Amend Amend Deposit
Tabbed Screen.
Screen \\ SCR:007050 Deposits: Change Details is displayed.
In the field Account Number, enter the Government Account Number and
click on Transmit. A new Screen \\007000 Amend Deposit Details appears.

411

Click on the Tab Govt/PPF/Cr Card details. In the Govt. Acct. Details section,
enter the Focal Point Link Branch Code in the field Linked Branch Code.
Click on Transmit.
20.01.06. How to find out the details of txns for the day which were put
through using transaction posting option, in respect of which, additional
details were not entered.
Menu: Government Business Govt. Pending Txn Enquiry.
Screen \\ SCR:007057 Deposits: Gov Transaction Enquiry is displayed.
Enter in the fields Govt Code Head, Govt Code Sub Head, Txn From Date and
Txn To Date. Click on Transmit. Details of the transactions where Additional
Details have not been captured are displayed.
20.01.07. How To find out the Details Of Txns For Previous Day, in Respect Of
Which, Additional Details Were Not Entered:
For this refer to OLTAS Report: CDC generates OLTAS Report in respect of the
branches for which Additional Details have not been entered, for the day. The
report named OLTAS.DOC report is being sent to branches in the folder
e:\ftp\cdc\reports\20050330(respective date). The sample of the report is as under:
REPORT OF FAILED OLTAS STRINGS
_______________________________________________________________________
_
Br Code Date of Challan no MajHead Rec_
Amount
Txn
type
----------------- ------------------- -------- ---------------------9049 30/03/05
52
21 01
582
9049 30/03/05
51
21 01
434
9049 30/03/05
53
21 01
798
9049 30/03/05
54
21 01
5286
9049 30/03/05
50
21 01
227
9049 30/03/05
56
21 01
2500
9049 30/03/05
66
21 01
155
9049 30/03/05
62
21 01
520
9049 30/03/05
61
21 01
10000
9049 30/03/05
59
21 01
1800
-------------------------------------------------------------------------OLTAS strings generated for the day are rejected due to incomplete additional
details. On completion of the Additional Details, the same have to be confirmed by
logging into SERVICE DESK under INTERFACE with Date(s). The data will be
extracted only based on Service Desk Ticket and not based on Fax or Oral
communications.
Please note that for all the Challans not been processed due to lack of ADDITIONAL
DETAILS Penalty is imposed by the Govt. for delayed submission of data.

412

It should be ensured that feeding of additional details in respect of all the challans
is completed on the same day itself and the above mechanism is only an alternative
method of feeding the details on subsequent days in exceptional situation.
20.01.08. FLOW OF OLTAS STRINGS:
STEP-1 - At the time of EOD at the CDC, two files per branch are generated, one
for header record and other for detailed data record with the name
bbbbddmm.CTH and bbbbddmm.CTM respectively, where bbbb is branch code
in 4 digits, dd date of the transaction posted into the system, mm is the month,
.CTH is the extension for the header file and .CTM is the extension for the data
file. The master/data file may contain six types of records per major heads 20, 21,
and 25 (securities txn tax):
a) 002001 -> individual records per challan for Corporate Tax.
b) 002002 -> summary record for Corporate Tax.
c) 002008 -> individual record for reversal txns for Corporate Tax.
d) 002006 -> individual record for payment of Corporate Tax.
e) 002009 -> individual record for reversal of payment txn of Corporate Tax.
f) 002099 -> record generate for bounced cheque in case of clrg.
NOTE: - Files are also generated even for those branches, which have not reported
any transaction on that particular day, with nil records (giving summary record
types only with zero amount).
STEP-2 As a part of EOD FTP process, these files are automatically ftped through
scheduler to intermediate Group-wise client PC at IP address 10.0.20.97 which is
also connected to GAD Group-wise server.
STEP-3 From Group-wise Client PC these files are copied to att_in directory
(J:\dom9595\wpgate\api41\att_in) of GAD server through one batch file up.bat
which runs at every half an hour interval through scheduler.
STEP-4 From GAD Group-wise server these OLTAS files are re-routed to their
respective Focal Point Branches using Group-wise software. At Focal Point Branch
these files are processed and summary record-type-3 is created. If the data is
correct the processed records including record-type-3 are sent back to GAD
through Group-wise channel otherwise the files would not be sent back to GAD and
would be reported as DEFAULT to Dealing Branch by Focal Point Branch. Now, the
rejected OLTAS report are sent to all those branches that have not fed Additional
Details. Branches are required to look into these reports and feed the Additional
Details against all the challans mentioned in the report. After completion of the
Additional Details, they are required to log into the Service Desk so that strings
can be manually regenerated for back date and retransmitted it to Focal Point.
STEP-5 Processed strings received from Focal Point Branch are again processed in
GAD where summary record-type-4 is created and consolidated record including

413

the individual transactions is sent to NSDL (CBDT has authorized NSDL for the job)
on daily basis.
Enquiry of Successful OLTAS Strings From NSDL:
OLTAS strings, after Step 5 above can be viewed by the Branches to ensure that
these have been received by the CBDT, in the Tax Information Network (TIN) at
the following URLs:
http://tin-nsdl.com, Link Challan Status Enquiry then the Button Collecting Bank
Branch. User ID and Password have to be entered. User ID is the seven digit BSR
Code.
http://incometaxofindia.gov.in, Link OLTAS Challan Status.
Branch has to enter the Branch Scroll Date and the Major Head Code. Following
details are displayed:
i.

Challan Serial Number.

ii.

Challan Tender Date.

iii.

PAN / TAN

iv.

Name of Taxpayer.

v.

Amount.

vi.

Date of Receipt by TIN.

20.01.09. Report Generation: GAD Reports are being generated at CDC on daily
basis and are ftp-ed to respective branches through LINUX server.
20.01.10. Some Important Points:
1) In core, we have common flag called GOVT_BUS_FLAG for generation of OLTAS
string as well as for performing other GOVT BUSINESS like PPF etc. If
GOVT_BUS_FLAG is made Y then even if the branch is not authorized for CBDT
txn and any CBDT Account is opened under Major Head 20, 21, or 25 then null
OLTAS string will be generated. Therefore, the branch is required to change the
Major Heads from 20, 21 and 25 to any other value say 99 to restrict the OLTAS
String generation in such cases.
2) For payment of Income Tax Refund Order, we have separate CBDT authorized
Branches. Secondly, there should be a separate CBDT Account for payment and
receipt of Income Tax / Corporate Tax and valid Cheque Range, received from
Income Tax authorities should be entered into Payment Accounts.
3) If any Branch receives Clearing Cheque as a Tax deposit then the Branch has to
accept the Cheque through Outward Clearing and feed the Additional Details on
the same day. The related string will be generated on the realization of the
cheque only.

414

20.01.11. IMPORTANT CODES RELATED TO OLTAS:

MAJOR HEAD CODES
Code
04020
04021
04023
04024
04025
04028
04031
04032
04033

Description
Corporation Tax
Taxes on Income other than Corporation Tax
Hotel Receipt Tax
Interest Tax
Securities Transaction Tax
Other Taxes on Income & Expenditure
Estate Duty
Taxes on Wealth
Gift Tax
MINOR HEAD CODES

Code Description
100
102
106
107
200
300
400

Advance Tax
Surtax
Tax on distributed profits of domestic companies
Tax on distributed income to unit holders
Tax deduction at source
Self Assessment Tax
Tax on Regular Assessment

Every Major Head Code has different Minor Head Codes as per the following table:
Major Head Code
04020
04021
04023
04024
04025
04028
04031
04032
04033

Minor Head Code

100,
100,
100,
100,
300,
100,
100,
100,
100,

102,
102,
300,
300,
400
300,
300,
102,
300,

106, 107, 200, 300, 400

106, 107, 200, 300, 400
400
400
400
400
106, 107, 300, 400
400

Note: PAN should be used for all the Major Heads and for all the Minor Heads
except Minor Head 200 (meant only for TDS).
For Minor Head 200 Tax Deduction Account No. (TAN) should be used only. The
permissible Major Heads are 04020 (Corporate Tax) and 04021 (Income Tax).

415

20.01.12. Different error messages at the time of authorisation of wrong input:

Error No Error Message

What to do when these errors appear?

5631

Wrong PAN/TAN (PAN-FIVE+4+ONE),

(TAN-FOUR+5+ONE)

5894

Invalid RCC/ CTU (first

3 character) of TAN

5895

If 4th Char is C, then

Major Head should be
0020.
Wrong
a/c
credited.

5896

Spl. Characters other

than /, &, . are
not permitted in Name

5921

5-9th position is not

numeric in TAN {four
(char) + 5 (num) + one
(char)

5922

4th Char of TAN is NOT

first Char of First,
Middle or Last Name

5923

Use (PAN for ITNS

280/282) or (TAN for
ITNS 281 with minor
head-200)

Compare PAN/ TAN with correct format.

For PAN NO
Five (alphabetic) + 4 (numerical) + One
(alphabetic) and FOR TAN NO
Four (alphabetic) + 5 (numerical) + One
(alphabetic)
First three characters of TAN number is CTU /
RCC Code. (Pl see the Table). If the input
value is not one of these permitted codes,
choose valid CTU / RCC Code.
If 4th Character of PAN is C, it means
Assessee is a Company. If this PAN is used,
credit can be given to Corporate Tax (0020)
and not Income Tax (0021). Please verify
whether credit has been given to Income Tax
(0021). If so, put through correction entry and
credit Corporate Tax (0020) Account.
In the name column only three special
characters are permitted they are/ & (full
stop) Dont use bracket (P) or (hyphen) etc.
The valid characters are A to Z and 0 to 9
apart from the above said three Special
Characters.
Out of the 10 digit TAN no, 5th to 9th position
should be a numeric number. But there is a
data entry error. E.g., 5th Position is any
character from A to Z instead of 0 to 9 or
Zero has been entered as O (Pl differentiate
between 0 (Zero) & O (Alpha). Rectify it.
Self-explanatory. E.g., 4th Character can be D
or A or S where the name is Dinesh Anand
Shukla. It cannot be anything other than
these. These are allotted by the Tax
Authorities and are not to be assumed.
Use PAN for ITNS 280/ 282 Challans with
minor head appearing on the Challan (eg.100,
300,400,102,etc.) AND Use TAN for ITNS
281(Tax deducted/collected at source) with
minor head 200 only and valid nature of
payment (choose from the Drop Down Menu).
If error still persists Check the 4th character
of PAN is among this list (A, B, C, F, H, J, L,
P, T, G) If not found then contact the

416

th

5924

6-9
Char is not
numeric in PAN {Five
(char)+4(num)+One
(char)}

5925

5th Char should match

with 1st Char of names
(1st, Mid, Last) in PAN.

5926

Length of PAN/TAN No
should be 10. Verify
with format.

customer his PAN is wrong.

Use Valid PAN Only. The format is Five
(alphabetic)+4(numerical)+One (alphabetic).
If anything other than these valid values at
the specified position the PAN of customer is
wrong. Differentiate between O and 0(zero)
Self-explanatory. E.g., 5th Character can be D
or A or S where the name is Dinesh Anand
Shukla. It cannot be anything other than
these. These are allotted by the Tax
Authorities and are not to be assumed
Length of PAN or TAN entered is less than 10
digits. E.g., 8 or 9 digits have been input,
which is invalid

20.01.13 Other important validations:

a)

Assessment Year:

The maximum limit of Assessment Year is Current Calendar Year if the processing
date is prior to 1st April. Otherwise, it is Current Calendar Year +1. Assessment
Year and Related Financial Year start from 1961 in the system.
b)

c)

d)

PAN Validation:
i)

Length of PAN should be 10, alphanumeric characters.

ii)

First 5 characters should be alpha (A to Z).

iii)

6th to 9th position should be numeric (1 to 9).

iv)

10th position should be Alpha.

v)

If 4th character is C, then Major Head must be 0020 Corporate Tax.

C in 4th position in PAN means Assessee is a Company

TAN Validation:
i)

Length of TAN should be 10, alphanumeric characters.

ii)

First three characters should be alpha and one of the valid CTU Codes.

iii)

4th character could be Alpha or Numeric.

iv)

5th to 9th position should be Numeric.

v)

10th Character should be alpha.

Validation of NAME field:

i)

Minimum length 3 characters.

ii)

Minimum 1 alpha character.

iii)

Allowed characters A to Z, 0 to 9, /, &, . (Full stop) and Spaces

e.g., M/s. Alpha & Beta Company Pvt. Ltd. In this name characters
/, & . and space characters have been used.
417

e)

f)

Additional Validations:
i)

Valid Minor Heads are 100,102,106,107,200,300 and 400 only.

ii)

Nature of Payment Code is mandatory for Minor Head 200.

For Tax Deductions at Source, TAN Number has to be used and not PAN No.

20.01.14 Single Screen for Payment of Income Tax Refund Order:

A Current Account titled INCOME TAX REFUND ORDER is to be opened by the
Branch. For this, follow the steps narrated in section 20.01.02. After opening the
Account, fix a suitable limit for the Account.
Setting Up Limit:
Menu: Deposit CC/OD Accounts & Services Create CC/OD Limit and Details.
Screen \\SCR: 002009 Deposits Create Overdraft Details appears.
Field Account Number: Give ITRO Account Number (Current Account opened for
the purpose).
Field Limit Details under the title Limit Give the Limit Amount.
Field: Expiry Date Give preferably last day of the Financial Year. Let the Interest
Rate be Default Product.
Now click on Transmit. A Queue Reference Number is generated. On authorizing
the Queue, a new screen appears behind the Queue Authorization Window for
giving Additional Details. Fill up the relevant fields and Transmit.
Approval Of Limit:
Menu: Deposit Accounts & Services CC/OD Processing CC/OD Approval
Screen \\SCR: //002420 CCOD: Limit Approval is displayed.
Field: Account Number Give the ITRO Account Number.
Field: Approval Amount Give the Limit Amount. Click on Transmit Ok message
is displayed.
VPIS for ITRO
The Income Tax Department will send the list of ITROs payable by the branch. On
receipt of the list, the branches have to create VPIS with the following particulars.
Inventory Category

Inventory Sub Category

01. Current Account.

3

Payment of ITRO Cash or Transfer:

The ITROs are treated as Current Account Cheques and it should be issued to the ITRO
account by using Cheque Book Functions menu. From 22.07.2006 onwards, single
screen is used for ITRO Transaction Posting and capturing of Additional Details.

418

When ITRO is presented for payment, go to Menu: Government Business

Government Payments. Screen \\ SCR:7149 Deposits: Government Business is
displayed.
In the field Account No. give the ITRO Account Number and click on Transmit.
Screen \\ SCR:7150 Deposits:Govt Additional Details Payments is displayed.
Verify the correctness of Account Name and Govt. Code.
Field Amount: Give the amount of the ITRO.
Field Tran Mode Select the appropriate payment option from the drop down
menu. As per the selection made, new fields will emerge for inputting the relevant
values. If Tran Mode selected is 4: Manual Chq Presentation, then ITRO
account is debited and Inward Clearing Suspense Account is credited.
Field Instrument Type: Instrument Type should be 11:Current Account Cheque only.
Field Cheque No: Type ITRO Number.
Other important fields are:
Field Related Financial Yr: Financial year in which the income Tax of the
customer was assessed.
Field Assessment Year: Select from the drop down e.g. It is 2006-07 when the
Financial Year is 2005-06.
Field Remarks: Input suitable remarks.
Field Dealing Govt. Office: Name of Dealing Govt. Office may be input.
Field Pan/Tan No Fill up correct PAN/ TAN number.
Now click on Transmit button. The transaction is sent for authorisation. Once
authorised, Govt Txn Jrnl No. and Challan no are generated. The checker has to
note down the Journal Number on the ITRO.

419

20.01.15. OLTAS - Trouble Shooting:

OLTAS strings get rejected when Government additional details

(SCR:007055 Deposits: Additional Govt Details) are not input for the
transactions done by using Transaction Posting option.

Before EOD, branches have to ensure that additional details are provided
for all OLTAS transactions.

An OK message should appear for transactions put through in Transaction

Posting option when transmitted in Screen SCR 007055 Deposits:
Additional Govt Details (Menu: Government Business Government TxnAdditional Details). If not, contact CDC.

Wherever, CDC asks for details of failed OLTAS transactions, please fax the
details immediately.

In the Field Assessment year, 4-digit year should be input in the format
CCYY, where CC is century & YY is year. This is important.
o For the Assessment Year 2004-05, enter 2004.
o For the Assessment year 2005-06, enter 2005 and not 2006.
o If 2006 is entered as Assessment Year for 2005-06, challans will be
rejected for want of additional details. This will result in delayed
submission, for which branches would be penalised.

After entering Additional Details pertaining to GOVT: GAD on Screen No\\

SCR: 007055 Deposits: Additional Govt Details for the transactions put
through by using Transaction Posting option, if the following error "5887:

420

No Message to display" is displayed, then put the following value in the

related field:
o Field Related Financial Yr: 2004-2005.
o In case you are still facing a problem, please contact CDC.

In case of problems which could not be solved on the same day, retain a
photostat copy of the challan(s).

Report of Failed OLTAS Strings: A Report of Failed OLTAS Strings is being

provided to the branches under the Report folder. Branches have to take
action based on the report and have to log on to Service Desk, the dates for
which they have taken corrective actions to enable Core Banking
Department to generate OLTAS strings for the specified date(s). Core
Banking Department would not attend to any FAX or oral communications.

EOD: All the GOVT./ CBDT (Income Tax) authorized branches have to go
through the Govt Transaction pending enquiry menu under Govt.
Business, before sending the EOD signal to CDC. This has to be done to
ensure that there is no pending item for which the branch has to input the
Additional details through Screen no. 007057 if the single screen for
transaction posting and capturing of additional details was not used. Only
when there is no pending item, 'GOVT TRANSACTIONS DONE' will appear in
the EOD checks screen. If any pending item is found, branches have to
input the additional details, otherwise 'GOVT Transactions - Not done'
message will appear in EOD Check screen.

Corrections: CBDT authorized branches which are reversing the wrong

credit afforded to CBDT A/C on the same day must go through appropriate
CORRECTION transaction menu only. This will automatically reverse the
wrong entry, which was put through earlier. Thereafter put through the
right transaction, if required.

Branches shall not part with the Income/ Corporate Tax Challans (under
OLTAS) until Government Receipts screen is authorised.

As online settlement of funds is happening in respect of OLTAS challans,

the Bank is paying penalty for delayed/ non-settlement of funds. Branches
will be debited for the amount of penalty for such failures.

20.01.16. GAD 5 Report Ensuring Correctness:

Upto 30/06/2008, All Central Government and State Government transactions of
Dealing branches were reported in the Weekly Abstract under heading FOCAL
POINT LINK BRANCH GOVERNMENT GENERAL ACCOUNT (Weekly Line Number
L36 or A35) and CGL account (GLCC Code) for that is 2111505001.
From 01/07/2008 to 31/01/2009, all State Government transactions are reported
separately in the Weekly Abstract, under heading State Government Account
Account (L38/A37) where as all Central Government transactions of Dealing

421

branches were reported under heading FOCAL POINT LINK BRANCH GOVERNMENT
GENERAL ACCOUNT (Weekly Line Number L36 or A35).
From 01.02.2009, upon the implementation of GBSS (Government Business
Software Solution), All central Government accounts at Dealing Branches are
directly mapped to a new CGL called DB-Central-GGA (GLCC No.2111505002) are
reported in Weekly Abstract under heading DEALING BRANCH GBSS Govt General
Account (L35C/A34C GLCC Code.2111505002). One BGL Account called DB-GBSSGGA (No.2399825BBBBBC) is also opened for every Dealing Branch, which is also
mapped to CGL called DB-Central_GGA(GLCC No.2111505002).
At EOD, fund will be directly transferred from DB-GBSS-GGA (BGL
No.2399825BBBBBC at Dealing Branch) to GAD-GBSS-GGA (BGL No.2399827095951
at GAD) account by a back-end activity provided by CBS. i.e., Funds are
transferred to GAD on daily basis to GADs BGL Account No.2399827095951.
Hence, ideally, the Balance outstanding against the Weekly Head DEALING
BRANCH GBSS Govt General Account should be ZERO.
But, practically there is a possibility of outstanding in DEALING BRANCH GBSS
GOVT GENERAL ACCOUNT in Weekly Abstract to the extent of un-cleared
transactions (cheques tendered but not yet cleared). If the outstanding is
morethan the un-cleared transactions then corrective action is to be taken
immediately to ensure accurate accounting and settlement with RBI.
No Half-yearly transfer of balances.
GAD-2/GAD-3 statements from DBs to FPBs and from FPBs to DBs will be
discontinued.
Only, individual GAD-5 should be submitted alongwith respective scrolls, challans and
paid instruments on daily basis to FPB for onward submission to respective PAOs.
Dealing branches should not credit /debit the new BGL a/c DB-GBSS-GGA manually
unless advised to do so.
Menu: Government Business GAD 5 Balance Updation.
Screen \\ SCR:007042: Govt Business: GAD-5 Balance Updation is displayed.
Enter the following values in the fields described below:
Last Tran Date: Date of the last transaction.
Branch No: Enter the five digit Branch Code of the Dealing Branch.
Linked Branch No: Enter the five digit Branch Code of the Focal Point Link
Branch.
FPLB Product: Select N:No.
Total Dr: Correct Amount of total Debit transactions upto the Last Tran Date.
Total Cr: Correct Amount of total Credit transactions upto the Last Tran Date.
Closing Balance: Enter the correct Closing Balance as on Last Tran Date.

422

Serial No: Enter the GAD 5 Serial No. of the Last Tran Date.
Click on Transmit.
20.01.17. Generation of Government Advice:
Menu: Government Business Government Advice.
Screen \\SCR 007065 Deposits: Government Advice Prompt appears.
Field Function: select C:Create from the Drop Down menu. The other options
are A: Amend, E:Enquire or D: Delete.
Field Account No: enter the Account No. for which advice has to be generated.
Field Type: select B: Bill or C: Cheque from the Drop Down menu.
Field Bill No. / Cheque No.: enter the Bill or Cheque No.
Field Token No.: Enter the token no. given by the Govt. Deptt. If it is not given
then enter Bill No./ Cheques No. in this field.
Click on Transmit.
Screen \\SCR: 007066 Government Advice Details appears.
The Fields Function, Account No, Type and Bill No, are already picked up by
the system and displayed.
The Field Paid Already will display either Y: Yes or N: No, depending on
whether the Bill has already been paid or not.
Field Amount, enter the amount of the Bill.
Field Date of Advice Issue, enter the date on which the Advice is being issued.
Field Valid Till Date: enter the validity date.
Field Remarks, is a text field, where the details can be entered.

423

20.02. PUBLIC PROVIDENT FUND Scheme -1968 (PPF):

20.02.01.Introduction:
The PPF Scheme 1968 is operational at a large number of our Branches. The
Government Module developed in B@ncs24 (Core Banking Solution) supports the
PPF 1968 Schemes functionality in the under-noted areas:
Opening of Customer Accounts.
Execution of online sweep for transfer of subscription to Focal Point - Govt.
General Account.
Opening of Backdated Accounts (i.e. Accounts transferred from Non-Core
Branches).
Capturing of Previous Year Balances for calculation of Withdrawal Eligibility
amount as per prevalent instructions.
Extension of Maturity of PPF Account.
Generate reports required by the Branches.
20.02.02 Product Parameters:
All PPF transactions are centralised as a part of BPR changes w.e.f 19 th June,
2005 and transaction will not be reflected in Branch Government Accounts.
Instead these will go to GAD, Belapur Government Accounts.
From 19/6/05, the CIF and Govt. Accounts has been created at GAD are used
for PPF Transaction Sweeps. This change is applicable for ALL BRANCHES (i.e.
including non-BPR branches).
The necessary amendments to SWEEP Parameters are being done centrally at CDC,
Belapur.
GAD ACCOUNTS FOR PPF (FOR MISCELLANEOUS TRANSACTIONS) ARE AS FOLLOWS:
Account No.

Govt. Code

Account Description

30007958826

19-99-18

AGENTS COMMISSION ACCOUNT

30007961102

19-99-22

INTEREST ON LOAN ACCOUNT

30007961395

19-99-23

PENALTY & OTHER CHARGES A/C

20.02.03 CIF & Account Creation for PPF Govt. Account:

Note: Now, the respective CIF & Government accounts are opened at GAD, Belapur
level hence there is no need to open these CIF and Accounts at Branch level.

424

20.02.03. Opening Of a PPF Account for a Customer:

Steps
1
2

Description
Account Opening
Authorisation

Screen No
002000
Queue

Pre-Conditions:

Customer CIF must exist before an Account can be opened.

Only one PPF Account can be opened for a CIF at a time.

PPF Accounts are opened like any other Deposit Accounts in Core Banking.

Menu: Deposit/ CC/ OD Accounts & Services Create New Deposit Account.
Screen \\SCR: 002000pmt CIF: Create Account Prompt is displayed.
In the Field Existing CIF/ Account No: enter the customers CIF Number. (Use
the Search facility, if CIF is not readily available). After entering the CIF No.
(Return CIF No., if Search is used), click on the Transmit button.
Screen \\002000 Create Deposit Account is displayed. Core Options is the first
of the five Tabbed (associated) screens used for creating all types of deposit
accounts. In the Field Account Open Date: Leave it blank, as the system date
will be picked up. However, Account Open Date needs to be input in case of
back-dated Account opening, like transfer of Account.
Field is Account Sgmt Code: Select 5006: PER - OTHERS {NOT INCL. (IN PER)
ABOVE} from the Drop Down menu. This is very important.
Field Product: select 13: PPF from the Drop Down menu.
Field Type: select 11: General from the Drop Down menu.
Field Customer Category: Select 1 = Public Individual from the drop down
menu.
Field Location/Term: Always select 40: All from the Drop Down menu for all
PPF Accounts.
Field Currency: Select 1: INR.
Field Booking No: leave it blank. No. of completed financial years for back-dated
opening are required to be entered in this field.
Field Interest Options: Let the default option R:Reinvest be there.
Click on Transmit.
The transaction will be submitted to checker for authorisation. Once the
transaction is authorised, the new Account Number generated is displayed at the
bottom of the screen. Note down the Account Number.

425

20.02.04. Opening of a PPF Account With Back Date:

Steps Description
Screen No
1
Account Opening
002000
2
Authorisation
Queue (Refer 14.01)
Note: Back-dated opening of PPF Accounts is needed as Home Branch Change
for these Accounts is not permitted. For transfer to PPF Accounts between
Core Branches also, the Account has to be closed and opened afresh at the
transferee Branch.
a) Opening Of Account: Open the PPF Account in the same manner as discussed
above. The additional data entry will be as follows (field names and values
described below):
Account Open Date: Enter the original date of opening of the PPF Account.
(In case of PPF, No back-date int recalculation facility is available in CBS. The
branch has to manually done the necessary interest adjustment)
Booking No.:
Account.

Enter the number of Financial Years completed by the PPF

Now go to the Tab Govt/PPF/Cr. Card details. Under the section PPF: Backdated
Acct Opening, enter the following details in the fields mentioned below:
Installment count: Enter the number of times deposits made to the PPF Account
during the current Financial Year. This required for validation against the total
number of credits to PPF accounts in a Financial year., i.e. 12 times per annum.
Amount deposited during year: Enter the total deposits made to the PPF Account
during the current Financial Year. This is required for validation against the total
permissible credits to PPF Accounts in a Financial Year, i.e. Rs.70,000/Irregular Count: Enter the number of years of non-deposit, if any, for calculating
the amount of penalty.
No of Extension: enter the number of times extensions were given beyond 15
years, from the date of opening of Account. For example, if the account has been
extended twice for 5 years after running for the normal term of 15 years, enter
2.
Account Status: retain the default option 00:Active, from the Drop Down Menu.
Other Options are: 00 = Active; 07 = Closed; 11= Inactive; 12: Irregular; 13 =
Extended with fresh deposit; 15: Extended Without fresh deposit; 14: Matured and
16 = Matured but Irregular.
Click on Transmit.
The transaction will be submitted to checker for authorization. Once the
transaction is authorised the new Account Number generated is displayed at the
bottom of the screen. Note down the Account Number.

426

b) Capturing Of PPF Back-Dated Details: For back-dated PPF Accounts, we are

required to capture additional details of financial year-end balances for the last 6
years. For this purpose, the Account would now have to be amended.
Menu: Deposit/ CC/ OD Accounts & Services Amend Deposit/
Account

CC/

OD

Screen \\ SCR: 007050 Deposits: Change Details is displayed.

Field Account Number: enter the PPF Account Number generated earlier.
Field Option: select the option P: Backdated PPF Details.
Click on Transmit.
Screen \\SCR: 007052 Deposits: Backdated PPF Details is displayed along with
the Account Number.
Field No of Financial Yr Completed: The number of Financial Years that have
been completed since the PPF Account was first opened, as entered against the
field Booking No, while opening the Account are displayed.
Field Withdrawal in Extension Period: Enter the amount already withdrawn
during the last extension period.
Last Six Year End Balances: The year-end Balances for the last six Financial
Years, beginning with the immediate preceding year have to be filled up against
the respective year. This data is required for auto-calculation of Withdrawal
Amount eligibility and Loan Amount eligibility.

Click on Transmit. Queue Reference Number is generated for authorization. On

authorization OK message is displayed.
c) Funding Of Back-Dated Account (Draft Received For Balance Outstanding):
Menu: Inland (Rupee) Remittance Payment Other Remittances - DD, BC,
GC.

427

Screen \\SCR 021073 G/L: NPB DD/BC/GC Deposit is displayed.

Enter the required details. (For details regarding posting of such transactions,
refer to the Chapter on Transaction Posting.) Click on Transmit.
The Transaction is sent to queue for authorization.
Number and Challan Number are generated.

On authorization Journal

Care: For the PPF Accounts opened with backdated effect, it is MANDATORY that
the first transaction should be for the Draft amount (i.e. the funding of opening
balance). Because, the first transaction will not be considered as a transaction, in
calculating the total amount and total no. of transactions during that year.
d) Accrued Interest Adjustment:
Note: Accrued Interest for transferred Accounts is not transferred by the other
branch. The accrued interest part is only advised by the other branch, which
needs TO BE ADJUSTED MANUALLY at the account level. Following steps need
to be taken for accrual Interest adjustment:
Menu: Deposit/CC/OD Accounts & Services Interest Adjustments Credit
Interest Accrual Adjustments.
Screen 000732 Deposits: Credit Interest Adjustment. Is displayed.
1.

Account Number: Enter the PPF Account Number.

2.

Interest Adjustment: Enter amount of accrued interest to be added to the

account (amount preceded with (-) sign reduces the accrued interest in the
account) and TRANSMIT.

Queue Reference Number is generated for authorization by the Checker. On

successful authorization system returns OK message. Adjustment of accrued
interest can be verified from the Long Enquiry of the account.
Menu: Deposit/ CC/ OD Accounts & Services Enquiries Long.
Screen: \\SCR 000440 Deposits: Long Enquiry is displayed.
Enter the Account Number.
Click on Transmit.
Screen \\SCR 032001 Deposits: Long Enquiry appears.
Field Int Avail shows the amount of Accrued interest adjusted.
Field Int Incr shows amount of accrual for the current month.
Field Cr Int Proj shows projected amount of interest from the current month till
date of capitalization.
20.02.05. Deposit to PPF Account Of Customer:
Important Points:

Amount to be deposited should be in multiples of Rs.5/-

428

No of installments in a financial year cannot be more than 12.

Amount to be deposited in a financial year should not exceed Rs 70,000. In

case of amount being in excess of Rs 70,000/-, the system will throw up an
error Message 2902: Balance for the current year exceeds the max
balance allowed.

Minimum initial subscription should be Rs.500/-

A. Deposit by Cash:
Menu: Transactions Posting Deposit/ CC/ OD Accounts Receipts Cash
Screen No: \\001010 Deposits: Cash Deposits appears.
1.

Account Number: Enter PPF Account Number.

2.

Amount: Enter the Amount

3.

Statement Narrative: Deposit by appears by default. Enter the name of

the person depositing the Cash in the blank field.

4.

TRANSMIT. Cash Drawer: Issue and receive cash - Web Page Dialog Screen
appears.

5.

Enter the amount of cash received under either Denom In or Amount In and
click in some blank field. Please ensure (Give)/Receive field is 0 and TRANSMIT.

6.

Message O.K. O.K. GOVT TXN-JRNL NO 000012824 CHLN NO 00001 appears.

Note down the Journal Number and Challan Number on the voucher.

7.

If the amount received is beyond the Tellers capability level, a Queue

Reference Number is generated for authorization by the Checker. The
account is credited on authorization and message O.K. GOVT TXN-JRNL NO
000012824 CHLN NO 00001 appears. Note down the Journal Number and
Challan Number on the voucher.

B. Deposit by Transfer from Other Deposit Accounts (Debit/ Credit Voucher):

Menu: Transactions Posting Deposit/ CC/ OD Accounts Transfers By
voucher to Deposit/Loan
Screen No: \\001045 pmt Deposits: Transfer of funds appears.
1.

From Account: Enter Deposit Account Number.

2.

Amount: Enter the Amount.

3.

To Account: Enter PPF Account Number.

4.

Statement Narrative: Enter the name of the person.

5.

TRANSMIT.

6.

Message O.K. O.K. GOVT TXN-JRNL NO 000012824 CHLN NO 00001 appears.

Note down the Journal Number and Challan Number on the voucher.

429

7.

If the amount received is beyond the Tellers capability level, a Queue

Reference Number is generated for authorization by the Checker. The
account is credited on authorization the above OK message is displayed. Note
down the Journal Number and Challan Number on the voucher.

C. Deposit by Transfer from Other Deposit Accounts (Cheque):

Menu: TRANSACTION POSTING DEPOSIT/CC/OD ACCOUNTS TRANSFER BY
CHEQUE TO DEPOSIT
Screen No SCR: 051073 CAS: Transfer Cheque Deposit appears.
1.

Account Number: Enter the Account Number of the account to be debited.

2.

Amount: Enter the amount of the cheque.

3.

Cheque No: Enter the cheque Number.

4.

Instrument Type: Select e.g. 10:Savings Bank Account Cheque, 11:Current

Account Cheque, 13:Cash Credit Account Cheque etc.

5.

Account Number: Enter the PPF Account Number.

6.

Instrument Date: Enter the instrument date.

7.

TRANSMIT.

8.

Message O.K. O.K. GOVT TXN-JRNL NO 000012824 CHLN NO 00001 appears.

Note down the Journal Number and Challan Number on the voucher.

9.

If the amount received is beyond the Tellers capability level, a Queue

Reference Number is generated for authorization by the Checker. The
account is credited on authorization the above OK message is displayed. Note
down the Journal Number and Challan Number on the voucher.

D. Deposit by Cheque Drawn On Other Banks:

i. Cheque Lodged in Outward Clearing:
In case cheque is to be presented in Outward Clearing, enter the particulars of the
cheque in Outward Clearing Screen like Cheque Deposit for any other Deposit
Account. The amount is credited to the account as Un-cleared Funds, which is
converted to Cleared Funds on the date Clear Batch is done. If the cheque is
dishonoured, Mark Return Option is available under the Clearing Menu.

430

E. Transactions Passed in the System:

Dr/Cr Account Description
Intra
Branch
transaction

Type of
Transaction
User Initiated
another Transaction

Credit Customers PPF Account

Debit Cash Account/ Customers
Deposit Ac/
DD-BC BGL Ac
InterDebit PPF Mirror Account
System
Branch
(BGL 98788 suffixed with Branch code Initiated
Transaction
& Check Digit)
Transaction
Credit Government Account at GAD
(CA-Head -7-19-99-03)

Note: Branch has to ensure that the Finance one GLCC account 2060500601 should
be always ZERO for that Branch. If it is not so, then the system generated
transactions pertains to GAD may not taken place. This should be scrutinsed and
necessary rectification should be taken, by taking suitable guidance from CDC,
thru service desk officials.
20.02.06. Regularisation of Irregular PPF Account:
In Irregular PPF Accounts, the system will not allow deposits for the Current Year,
unless the irregularities (non-deposits) for the earlier years are regularised.
In such cases, the Deposit Amount required to regularise the account would be:
No of years of irregularity x Min amount of Deposit + Current Years min. Deposit.

For example, if cash is deposited into an irregular PPF Account through \\SCR:
001010 Deposits: Cash Deposit, the system would not accept cash, but will
throw up an error 2901: Amt cannot be less than the minimum period balance or
account is irregular.
To verify the number of installments of irregularity, follow the steps details in the
Section 20.02.07 (b) of this Chapter. Irregularity Count is displayed in the field
Irregularity Count. Close the screen after viewing.
20.02.07. Collection Of Penalty On Irregular PPF Account:
Penalty on irregular accounts should be collected, at the time of deposits made by
the account-holder to regularize the account.
Penalty so collected should be credited directly to the Account Number
30007961395 - Penalty & Other Charges A/C.
20.02.08. Withdrawal From PPF Account:
Note: The Amount allowed to be withdrawn during the currency of PPF account is
calculated by the system, which can be enquired through Menu: Deposit/CC/OD
Account & Services Enquiries Short.
Field PPF Part Wdl elgi amt shows the amount permissible for withdrawal. This
Field will contain some value, only if account is more than 6 financial years old.

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Menu: Transactions Posting Deposits/CC/OD Accounts Payments Cash.

Screen SCR:001060 Deposits: Cash Withdrawal By Voucher is displayed.
1.

Account Number: Enter the PPF Account Number.

2.

Amount: Enter the amount.

3.

Statement Narrative: Paid to appears by default. Enter the name of the

payee in the adjacent field.

4.

TRANSMIT.

5.

Cash Drawer: Issue and receive cash - Web Page Dialog Screen appears if
the amount is within the Tellers capability-level.

6.

If the amount to be paid is beyond the Tellers capability level, Queue

Reference Number is generated for authorisation by the Checker. On
authorization, a Queue Reference Number is again generated for the Maker.
The Maker has to Accept the group Queue. Cash Drawer: Issue and receive
cash - Web Page Dialog Screen appears on acceptance.

7.

The Maker has to enter the amount of cash to be paid denomination wise
in the Denom Out column and click in any blank field to populate the
value. Please ensure (Give)/Receive field is 0 and TRANSMIT.

8.

Message O.K. GOVT TXN-JRNL NO 000012824 CHLN NO 00001 appears. Note

down the Journal Number and Challan Number on the voucher

Note: As only one withdrawal per financial year is allowed, the system will
zeroise the value in field PPF Part Wdl Elgi amt after a debit posting to the
account.
20.02.09. Reversal of Wrong Credit (On Subsequent Days)
Menu: Transactions Posting Deposits/CC/OD Accounts PPF Reversals
Transfer to deposit or Transfer to BGL.
Screen \\ SCR:001029 PPF Reversals DEP to DEP or \\ SCR:028053PPF Reversals
DEP TO BGL/Value Transfer is displayed depending upon the menu selected.
Enter the relevant Account Numbers, Amount, Trace (Journal) No. and Date of
Transaction.
Upon successful reversal of the wrong entry, the Amount deposited during the
year field is reduced correspondingly and the entry is reported in the PPF string as
Reversal Debit Entry.
20.02.10. Loan against PPF Account:
Important Points to be Noted
1. A PPF account holder is eligible for PPF loan after completion of 3 financial
years and before completion of 6 financial years. After 6 completed
financial years of PPF account, the customer is eligible for partial
withdrawal.

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2. PPF loan amount can be sanctioned within maximum eligible loan amount,
as displayed in the field Max Loan amt. against PPF in the Short Enquiry.
Once limit is sanctioned, the Max Loan amt. against PPF amount shown
in Short Enquiry will be set to zero by the system automatically, even if
the limit sanctioned is less than the maximum eligible loan amount.
3. If a customer has availed a lesser limit than the maximum loan eligibility
amount, and at a later stage he desires to avail the balance amount, the
limit can be enhanced to higher limit within the maximum eligible loan
amount. So it is advised to note the maximum eligible amount. Take a
screen shot of Short enquiry of PPF Account and file along with the loan
document.
4. Loan Account against PPF Deposits is opened OD Account only.
5. Interest is applied only when the account is closed. Following Accounting
Entries are passed by the system:
a. Dr. PPF Loan Account, Cr. Govt. PPF Interest Account.
b. Dr. Govt. PPF Account, Cr. Govt. PPF BGL Account
6. One time SWEEP has to be created for the above entries.
7. After expiry of Loan term, the Loan Account should be closed by PPF
withdrawal.
8. PPF Loan Account can be opened during the permissible period only.
A. Open Loan Overdraft Account
Menu: Deposits CC/OD Accounts & Services Create New CC/OD Account.
Screen \\SCR:002013pmt CIF: Create Account Prompt is displayed
1.

Existing CIF/Account No: Enter the CIF or PPF Deposit Account Number of
the Customer.

2.

TRANSMIT. Screen 002013 Create CCOD Account is displayed.

3.

Acct Sgmt Code: Select 5006: PER:OTHERS (NOT INCLUDED (IN PER) ABOVE).

4.

Account Type: Select 9050.

5.

Sub Category: Select 1001:Personal Loans.

6.

TRANSMIT.

Queue Reference Number is generated for authorization by the Checker. On

authorization, the PPF Loan Account Number is generated by the system. Note
down the Account Number.
B. Set Up Limit Details for PPF Loan Account
Menu: Deposits CC/OD Accounts & Services Create CC/OD Limit and
Details.
Screen \\SCR: 002009 Deposits: Create Overdraft Details is displayed.

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1.

Account Number: Enter the PPF Loan Account Number.

2.

Limit Details: Enter the PPF Loan Amount sanctioned. (Note: The Amount
should not be more than the eligible amount displayed against the field Max
Loan amt against PPF in the Short Enquiry of the PPF Deposit account).

3.

Rate: Enter the applicable rate of interest.

4.

Type: Select S:Set Rate.

5.

Expiry Date: Enter the Date of Expiry of the Loan.

6.

Expiry Rate Details: Enter the rate of interest as entered in the Field Type
above.

7.

TRANSMIT. Queue Reference Number is generated for authorization by the

Checker.
On authorization, Screen \\SCR:002015 Deposits: Record
Additional Details for CC / OD Accounts is displayed behind the Queue
Search-Web Page Dialog Box. Close the Queue Search-Web Page Dialog Box
and enter the Additional CC/OD Details for CIS purpose, for example Scheme
Code, Activity Code etc.

8.

TRANSMIT. OK message is displayed.

C. Approval of Limit For PPF Loan Account

Menu: Deposits CC/OD Accounts & Services CC/OD Processing CC/OD
Approval.
Screen \\ SCR:002420 CCOD:Limit Approval appears.
1.

Account Number: Enter the PPF Loan Account Number.

2.

Approved Amount: Enter the PPF Loan Amount sanctioned.

3.

TRANSMIT. OK message appears.

D. PPF Loan Account Additional Details.

Menu: Deposit/ CC/ OD Accounts & Services Amend Deposit CC/OD
Account.
Screen \\ SCR:007050 Deposits: Change Details is displayed.
1.

Account Number: enter PPF Loan Account Number.

2.

Option: Select PPF Loan A/c Details from the drop down menu.

3.

TRANSMIT.

Screen \\ SCR:007067 DEP: Loan Against PPF: Additional Details is displayed.

1.

Account No.: Displayed from the previous data entry.

2.

Loan amount: Enter the amount of the loan sanctioned.

3.

Term Length (in months): Enter the loan term in months.

4.

TRANSMIT.

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Queue Reference Number is generated for authorization by the Checker.

authorization OK message is displayed.

On

E. PPF Loan Disbursal

Disbursal from the PPF Loan account can be made like any other CC/OD Account.
20.02.11. Transfer of PPF Account from Core to Core/ Other Bank/ Post Office:
Whenever, a request is received for transfer of a PPF Account from any other
Office (Core to Core, Core Branch to a Non-Core Branch or other Bank or PostOffice), the Interest Accrued in the Account till date has to be zeroised and a
Demand-Draft / Bankers Cheque for the Outstanding Amount is to be issued. Care
: the amount of Interest Accrued which was zeroised while closing account should
be advised to the transferee Branch/bank, which will enable them to manually
provide the interest adjustments at their end,(The transferee Branch should do
interest adjustment manually for the amount as advised by the transferor branch,
immediately after opening the PPF account with back date effect, for the correct
accrued interest.
STEP 1: Zeroise the Int Available (Int Accrued Till Date):
Ascertain the amount of Accrued Interest using Long Enquiry; Field Int. Avail
displays this amount.
To zeroise the Accrued Interest, go to Menu: Deposit/ CC/ OD/ Accounts Services
Interest Adjustments Credit Interest Adjustment.
Screen \\SCR 00732 Deposits Credit Interest Adjustment appears.
Enter the Account Number.
Field Interest Adjustment: enter the amount as appearing in the field Int. Avail
in the Long Enquiry, with a Minus Sign.
Click on Transmit.
The transaction is sent to queue. Authorize the queue. The System returns an OK
message.
To verify the transaction, go again to Long Enquiry and ensure that the amount in
Field Int Avail, is zeroised.
STEP 2: Closure of PPF Account - Transfer to Other Branch or Other Bank/ Post
Office:
Menu: Transactions Posting Deposit/CC /OD Account Closures Closures
(Credit Balance) By FCNB BGL/ Bankers Cheque.
Screen \\SCR 003080 Deposits: Account Closure by Bank Cheque and Demand
Draft appears.
Field Account Number: enter Account Number.
Field Remit Type: Options available are 1:Bankers Cheque; 2:Demand Draft;
3:Transfer to BGL Account; 9:Transfer to RBI suspense BGL Account.

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Select option 1:Bankers Cheque or 2:Demand Draft.

Field Statement Narrative: enter suitable narrative, PPF Ac transferred to ***
branch.
Click on Transmit.
The transaction is sent to queue for authorization. On authorization, the system
requests for supervisory override for the reason ACCOUNT CANNOT BE CLOSED
PREMATURELY.
Enter USERID and Password, as Local Supervisor and click on Button LOCAL
SUPERVISOR.
The system displays Journal Number in a pop-up screen. Click on OK.
20.02.12. Closure of PPF Account:
At the time of closure of account, the system applies the interest accrued till date
and the total amount (i.e. outstanding +interest) is transferred to Deposit/BGL
Account.
a) Closure of PPF Account by Transfer to another Deposit Account:
Menu: Transactions Posting Deposit/ CC/ OD Account Closures Closures
(Credit Balance) Transfer.
Screen \\SCR 003045 Deposits: Transfer Closure appears.
Field From Account Number: enter the PPF Account Number that has to be
closed.
Field To Account Number: enter the Deposit Account Number of the customer
where the proceeds will be transferred.
Field Statement Narrative: enter narration (e.g. PPF Account Closed)
Click on Transmit.
The transaction is sent to queue for authorization. On authorization, OK message
is displayed.
The following transactions are passed by the System.
Credit
Debit
Debit
Credit
Debit
Credit

Customer PPF Account

PPF Mirror Account (BGL 98788)
Customer PPF Account
Customer Deposit Account
Govt. Account (PPF Head -7-19-99-03)
PPF Mirror Account (BGL 98788)

Interest Amt capitalized.

Interest Amt capitalized.
Closure Amt Payable.
Closure Amt payable.
Closure Amt.
Closure Amt.

Note: The procedure for Closure and Pre-mature closure of PPF Accounts is
similar. However, branches are required to comply with the guidelines before
allowing for pre-mature closure.

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20.02.13. Extension Of Maturity Of A PPF Account:

A subscriber may on the expiry of 15 years, from the end of the year in which
the initial subscription was made but before the expiry of one year, may
exercise an option to extend for a further block of 5 years.

Such extension can be allowed on submission of form H by the subscriber.

Maturity can be extended for a further block of 5 year on expiry of 20 years

or on expiry of 25 years and so on.

Subscriber may opt to extend the period without payment of any

subscription.
Menu: Deposit/CC/OD Accounts & Services Amend PPF - Maturity
Extension Screen
Screen SCR: 002012 Deposits: Maturity Extension appears.
1.

Account Number: Enter PPF Account Number.

2.

Account Status: Select e.g. 13:Extended with Deposit, 15:Extend without

Deposit.

3.

TRANSMIT. The system returns an O.K message for successful transaction.

To Verify the Number of Extensions

Menu: DEPOSIT/CC/OD ACCOUNTS & SERVICES AMEND AMEND DEPOSIT
TABBED SCREEN
Screen \\SCR 007050 Deposits: Change Details appears.
1.

Account Number: Enter the Account Number.

2.

TRANSMIT

3.

Screen SCR 007000: Amend Deposit Details appears.

4.

Click the tabbed title Govt/ PPF/ Cr Card Details. Under the heading PPF
Back dated. Acct. Opening, Number of Extensions is displayed.

20.02.14. ERROR MESSAGES:

Given below is a list of errors which may be encountered in PPF Accounts. The
solution to these errors as given by Core Banking Department is also given here.
Error ERROR MESSAGE
No
308 Adjustments not
permitted
487 Transfer to account
in error

REASON/ WHAT TO DO?

Txn 752 Debit Interest Adjustment is not

permitted in Deposit Accounts.
At the time of Opening of Account, Interest
Payment Method should be selected as Re-invest
only and Transfer Account Number should be left
blank.
2900 Amount is not in Amt being deposited should be in multiples of
Proper Multiples
Rs.5/-

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2901 Amount cannot be

less than minimum
period balance.
2902 Balance for the
Current Year
exceeds the max
balance allowed
2906 No more extensions
allowed.
2908 Cannot have more
than one PPF
account
2909 Cannot open
account-minor
without guardian.
2910 Account cannot be
closed prematurely
5449 Withdrawal Amount
exceeds Eligible
Limit
5450 Not eligible for
Partial Withdrawal
5762 PPF-year end
balances not
available

The Account, in which subscription is being

remitted is irregular. Hence, amount should be
more than the minimum subscription for the
year (Refer Regularisation of Irregular PPF A/c)
Amt being deposited is more than the max
subscription allowed in a year *
Max of 99 extensions are allowed. Normally error
will come for migrated accounts, where No. of
extensions have already been migrated as 99.
Contact Servicedesk for updation at CDC Level.
System allows only one live PPF account for a
customer.
Minor Account without guardian is not allowed.
System will pop-up this message for Supervisory
Override, in case of pre-mature closure.
Withdrawal amount permitted in PPF account is
calculated by the system. Hence, amount being
withdrawn is more than the eligible amt.
Account in which withdrawal is being tried has not
completed 6 financial years.
In short enquiry or at the time of txn to the
account, you may encounter this error. In migrated
accounts balances for the previous 6 year balances
are required to be captured, which have not been
captured.

20.02.14.01. Error 5762 - PPF-Year End Balances Not Available

Capture the previous year balances as given below:
Menu: Deposit/ CC/ OD Accounts & Services Amend Amend Deposit
Tabbed Screen.
Screen \\SCR 007050: Deposit Change Details appears.
Enter Account No. Click on Transmit.
Screen \\007000 Amend Deposit Detail appears.
In Tabbed Screen Core Options, enter the No. of Completed Financial Years in
field Booking No.
Click on Transmit.

438

After this is done, go again to the Menu: Deposit/ CC/ OD Accounts & Services
Amend Deposit/CC/OD Account. Select the Option PPF Backdated Details and
complete the data entry (Refer Opening of Backdated PPF A/c).
20.02.14.02. CHANGE IN CURRENT YEAR BALANCE/ INSTALLMENT COUNT/
IRREGULARITY COUNT:
Branches can now amend the Installment Count, Amount Deposited during the
Year and Irregular Count in respect of PPF accounts from the front-end.
Menu: Deposit/ CC/ OD Accounts & Services Amend Amend Deposit
Tabbed Screen.
Go to the Govt/ PPF/ Cr Card details Tab.
Change the details as required.
20.02.14.03. ERROR 2902: Balance for the Current Year Exceeded the Max
Balance: The error will be encountered for the following reasons:
1.

In migrated Accounts, Current Year Balance has been erroneously migrated as

amount equivalent to the Outstanding Balance and this value is equal to or
more than the permissible annual subscription of Rs. 70,000/-

2.

In migrated Accounts, Current Year Balance has been erroneously migrated as

amount equivalent to the Outstanding Balance and this amount plus the
amount of subscription tendered by the customer exceeds the permissible
annual subscription of Rs 70,000/-.

This can now be rectified at branch level from the front-end as follows:
Verification of Current Financial Year Balance:
Menu: DEPOSIT/ CC/ OD ACCOUNTS & SERVICES AMEND AMEND DEPOSIT
TABBED SCREEN
Screen \\SCR 07050: Deposit Change Details appears.
Enter Account No.
Click on Transmit.
Screen \\007000: Amend Deposit Details appears.
In the Tabbed Screen, Govt/ PPF/ Cr. Card details we can view the Amount
deposited during the year and Installment Count during the current Financial
Year.
Rectify the Amount deposited during the year and Installment Count, as
required.
Say in the above said account, amount during the current year has been migrated
as Rs.76,426.83, which is apparently incorrect, as this amount cannot be greater
than the permissible limit of Rs.70000/-.
Enter the correct amount received during the current year say Rs.10,000/- and
enter the no of installments received during the current year, if incorrect.

439

Click on Transmit.
The transaction is sent to Queue for authorization.
Authorise the Queue and the system prompts OK message.
20.03.01 OPENING OF A SENIOR CITIZENS SAVINGS SCHEME 2004 ACCOUNT:
STEP 1: ONE TIME SET UP CENTRAL GOVERNMENT ACCOUNTS:
i.

Create a Non Personal Customer with the Name as Senior Citizens Savings
Scheme-2004, on the lines of the steps discussed in the Section 20.02.03
of this Chapter.

ii. Open Accounts: Seven Government Accounts under Deposit Module with
Account Type 4066 1401, on the lines of steps discussed in the Section
20.02.04 of this Chapter. In the Tab Govt/PPF/Cr Card details, the
following Central Govt. Code has to be entered in the first two boxes:
Major head (1st Box) 7
Minor Head (2nd Box) -

19-99-24 for Principal.

19-99-25 for Interest.
19-99-26 for Commission to Agents.
19-99-27 for Transfer Fee A/c
19-99-28 for Closure o/a of
Other Than Death
19-99-29 for penalty & Other Charges
19-99-30 for Closure Due to Death

The purpose/use of these Minor heads are detailed below:

Minor Head
(2nd Box)
19-99-24

TRANSACTIONS

REMARKS

SCSS Principal

19-99-25

SCSS Interest

19-99-26

SCSS Agents'
Commission

19-99-27

TRANSFER FEE

Only deposits accepted Receipts) should be

reported under this code till maturity of the
deposit after completion of 5 years when
payments will also be reported
Interest paid on the deposit viz. broken period
intt., quarterly intt. and/ or final payment of
intt. on withdrawal should be reported ( Only
payment)
In case of deposits mobilized by Agents,
payment of commission is reported under the
code. (Only payment)
When an account is transferred from one
deposit office to another,Transfer Fee @ Rs.5/per lac ( for deposits over 1 lac) for the first
transfer and @Rs.10/- per lac for subsequent
transfers ( Only receipt)

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19-99-28

19-99-29

19-99-30

iii.

Premature withdrawal
of deposit other than
due to death of
depositor
Penalty for premature
withdrawal
Premature withdrawal
due to death of
depositors

Premature Withdrawals from the accounts

should be reported under this code if the cause
of withdrawal is not death of depositor ( Only
payment)
Penalty recovered from the principal due to
premature withdrawal other than due to death
of depositors should be reported under the code
( Receipt Only)
Premature Withdrawals from the accounts
should be reported under this code if the cause
of withdrawal is death of depositor Only
payment)

Amend Account Name: Enter the Names of the newly created Government
Accounts, on the lines of steps discussed in Section 20.02.05 of this
Chapter.

STEP 2. Setting Up Government Sweep Parameters: One-Time Activity:

SCSS Accounts of customers maintained in B@ncs24 are pro-forma Accounts only.
Deposits in these accounts are maintained on behalf of Government. As such SCSS
Accounts are not Banks liability and do not figure in our Weekly.
Any subscription/ withdrawal posted in Proforma SCSS Customer Accounts are to
be reflected in Govt. Accounts for reporting purpose.
Hence, One BGL Account 98840 - SCSS DEPOSITS MIRROR ACCOUNTS (mapped to
CGL Account 2060500604) has been created in B@ncs24 to effect sweep into
Govt. Accounts. This is a one time setup for any Dealing Branch, otherwise the
branch will not able to open SCSS Accounts for the Customers.
Menu: Government Business Govt Sweep Parameters.
Screen \\SCR: 007061 DEP:Govt Sweep Parameter Prompt appears.
Field Function: Select C:Create.
Enter Branch No (5-digit Branch Code).
Field Acct Type: Enter 1411.
Field Int Category: Enter 1331.
Click on Transmit.
Next Screen \\SCR: 007062 DEP: Govt Sweep Parameters Screen appears.
Field Function: Select A:Amend.
For Principal define following Accounts.
Govt. Mirror Acct No: 98840<BBBBB>C(BBBBB-Your Branch Code & C- Check
Digit).
Govt. Dep. Acct No: Principal Account opened under Govt. Product 40661401.(Govt Code-19-99-24)

441

For Interest define following Accounts.

Govt. Mirror Acct No.: 98840<BBBBB>C (BBBBB-Your Branch Code & C-Check
Digit)
Govt Dep Acct No: Interest Account opened under Govt. Product 4066-1401.(Govt
Code 19-99-25)
Account Other than Death: Account opened for Closure other than death under
Govt. Product 4066-1401.(Govt Code 19-99-28)
Account on Death: Account opened for Closure due to death under Govt.
Product 4066-1401.(Govt Code 19-99-30)
Click on Transmit.
The transaction is sent to queue for authorization. Authorise the queue. The
System returns an OK message.
Note: Govt. Customer / Accounts creation and Govt. Sweep parameters set up is a
one-time activity for branches authorised to open accounts under Central Govt.
SCS Scheme-2004.
STEP 3: Create SCSS Account for A Customer.
Note: CIF must exist or be created before Creating the Account. Further, the Date
of Birth of the Account holder should be entered correctly.
Menu: Deposit/CC/OD Accounts & Services Create New Deposit Account
Screen \\SCR 002000 pmt CIF: Create Account Prompt appears.
1.

Existing CIF/Account No: Enter CIF number or any existing account number
of the customer and TRANSMIT.

2.

Screen \\002000 Create Deposit Account appears. 1st Tabbed Screen Core
Options is displayed with Name and Address of the Customer.

3.

Account Open Date: System Date will be taken by default, if left blank. If
the account is being opened with back value date, original date of opening of
the account should be given invariably. The date format in CBS is
DD/MM/YYYY. In such cases, also Select Y:Yes in the Field Bckdt Intt
recalc Reqd.

4.

Account Sgmt Code: Select 5006:PER-OTHERS (NOT INCL IN PER).

5.

Product: Select 14: Sr. Citizen.

6.

Type: Select e.g. 11:General.

7.

Customer Category: Select 1: Public Individual.

8.

Location/Term: Select 33: 5Y (GOLD, SPL GOLD, SR. CITIZEN DEP).

9.

Currency: Select 1:INR.

10. Intt. Payment Method: Select T: Transfer.

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11. Transfer Account Number: Enter the Account Number in which interest will
be transferred.
12. Go to the Term A/c Option Tabbed screen.
13. Term Basis: Select D: Days.
14.

Term

Years: Enter 5.

15. Term Value Deposited: Enter principal amount deposited.

16. Interest Frequency: Select 3M: Quarterly.
17. TRANSMIT.
Queue Reference Number is generated for authorization by the Checker.
Queue Reference Number should be recorded on the account opening form.

The

The Checker has to retrieve the Queue in the Queue Search Web Page Dialogue,
View Item and then Authorise after satisfying about the details. On successful
authorisation, the following type of message appears:
O.K. 003 3000359732-8 4445 004 0444504
Where in 003 represents Institution code, 30003597328 (including Check Digit)
represents the new Account Number, 4445 represents the Branch Code, 004
represents the Terminal Number of the Maker and 0444504 is the Makers ID.
Note down the new Account Number in the Account Opening Form.
The Account needs to be funded now on the same lines as normal Term Deposit
Accounts.
20.03.02 Accounting Entries for SCSS:
Following Accounting Entries are passed for Accounts opened under the
Scheme:
Opening of Account:
a. Dr. SB / CA / Cash Account, Cr. SCSS Customer Account
b. Dr. SCSS Mirror Account, Cr. SCSS Principal Account
Interest Application (Calendar Quarter last day EOD)
a. Dr. SCSS Interest Account, Cr. SCSS Customer Account
b. Dr. SCSS Mirror Account, Cr. SCSS Principal Account
Interest Application (Calendar Quarter first day SOD)
a. Dr. SCSS Customer Account, Cr. SB Account / Bankers Cheque
b. Dr. SCSS Principal Account, Cr. SCSS Mirror Account
Closure of Account:
a. Dr. SCSS Interest Account, Cr. SCSS Customer Account (for Interest
Amount).

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b. Dr. SCSS Mirror Account, Cr. SCSS Principal Account (for Interest
Amount).
c. Dr. SCSS Customer Account, Cr. SB Account / Bankers Cheque (for
entire balance).
d. Dr. SCSS Principal Account, Cr. SCSS Mirror Account ( for entire balance).
20.03.03 IMPORTANT FEATURES OF SCSS:
SCSS Account Pre-Mature Closure:
While doing SCSS account premature closure (either by cash, transfer to Deposit
A/c, transfer to BGL/DD/BC), under the Field Pre-Mature Closure(SCSS), branch
need to select any one of the options, either D: Due to Death or O: Other than
Death from the drop down for any premature closure and system picks up the
correct code based on the selection.
Following important features of this scheme are to be manually controlled by
the dealing branches at the initial stage:

Maximum investment limit of Rs.15 lakhs subject to only one deposit per
account per customer and also one account per calendar month as per the
scheme.

Agents commission to be debited to the 3rd account created (Minor Head

19-99-26) in Step (1) above and credited to the Agent.

Penalty to be debited to the 6th account created (Minor Head 19-99-29) in

Step (1) above and credited to Govt.

Passbook for Depositors.

Processing of annexure to GAD-5 & GAD-12

20.04 PPF & SCSS Some Common Problems:

1.

Short / Less Interest paid in Account how to rectify the position.

PPF & SCSS: Credit Interest Adjustment (for accrual only) and Forced Credit
Interest Capitalisation (for application) has to be done for the difference
amount, in Deposit/ CC/ OD Module.

2.

Recovery of Excess Interest paid.

SCSS Customers Account (SB) to be debited with the amount of excess
payment and SCSS Interest Account to be credited. (Deposit to Deposit
Account Transfer SCR 1045).

3.

SCSS - Principal Amount reduced due to double payment of Interest how to

replenish the Principal Amount and recover excess Interest paid.
a. Recovery of Excess Interest: Customers Account (SB) to be debited with
the amount of excess payment and SCSS Interest Account to be credited.
(Deposit to Deposit Account Transfer SCR 1045).

444

b. Capitalisation: Credit Interest Adjustment and Forced Credit Interest

Capitalisation has to be done for the excess interest amount paid through
Deposit/ CC/ OD Module.
4. How to migrate Individual SCSS Accounts to CBS only consolidated balance
has been migrated and register is being maintained for Individual Accounts.
a. Debit SCSS Principal Account and Credit any Sys. Susp. Account with the
entire Balance.
b. Set Sweep on Product 1411 1331 (This is normally done as a part of day
one activity of the Branch). Menu: Government Business >> Government
Sweep Parameters. Screen \\ SCR:007061 DEP: Govt Sweep Parameter
Prompt Screen is displayed.
c. Open Individual SCSS Account and fund these by debit to Sys. Susp.
Account.
d. With the execution of Sweep the SCSS Principal Account will get
replenished.
e. The entire exercise should be completed within the same day so that the
amount parked in Sys. Susp. Account does not remain outstanding.
20.05. Transactions on Account Of Ministry of Company Affairs (MCA):
The Ministry of Company Affairs (MCA) has launched MCA21, an ambitious
eGovernance initiative that involves modernization and computerization of the
operations of the Ministry.
Transactions In Core:
i.

An Account under the product 4065 - 1401 is to be opened by the Branches for
Ministry of Company Affairs credits.
Core Options: Product: 40: Cen. Govt.
Type: 65: Cen. Govt. UMEA
Acct Sgmt. Code: 5050: OTHERS
Customer category: 1: Public individual
Location/Term: 40: All (SB/SB Plus/CA/IMB/RIB/PPF/Govt)
Currency: 1: INR
Govt/ PPF/ Cr Card details:
Linked Branch Code 00691.
Central Govt. Code Box 1 5, Box 2 36, Box 3 & 4 Blank.
Primary Acct: Select Y:Yes.
Advice Required: Select N:No.

ii.

The Govt. Major Head is 5 and the Sub Head is 36.

445

iii. Branches are requested not to use screen No.7147 for Government receipts
related to UMEA (Single Screen). Instead, they can use normal transaction
posting screen like 1010,1045, batch transactions etc., and can use
Narration field to key-in the name of the depositor so that they will not be
required to key-in additional details.
iii.

SN

The major and minor head of account, to which the amount is to be credited
will also be printed on the challan through system which could be one of the
following heads of accounts:
Head of Account
0075 Miscellaneous General Services
0075001040000-Unpaid dividend of
companies
00750010401- Unpaid Dividend
00750010402- Unpaid application Money
received by companies for allotment
00750010403- Unpaid matured Deposits.
00750010404- Unpaid matured debentures
00750010405-Interest accrued on the
amounts referred to in subheads 01 To 04
0075
i
Miscellaneous General Services
0075008000000
i
- Other receipts
.
1475
i
Other general economic services
1475001050000-Regulation
i
of Joint
Companies
.
1475
v Other general economic services
1475009000000-Other
.
Receipts

446

Services
i. Unpaid Dividend
ii. Unpaid application Money
received by companies for
allotment
iii. Unpaid matured
Deposits.
iv.Unpaid matured
debentures
v. Interest accrued on the
amounts referred to in
subheads 01 To 04
View Public Documents, get
Certified copies and
Transfer deeds.
e-Filing fees for 61 forms
(filing of foreign forms, Late
fee and additional fee)
NIL

20.06. CPWD Functionality:

i.

An Account under the product 4065 - 1401 is to be opened by the Branches for CPWD.
Core Options: Product: 40: Cen. Govt.
Type: 65: Cen. Govt. UMEA
Acct Sgmt. Code: 5050: OTHERS
Customer category: 1: Public individual
Location/ Term: 40: All (SB/SB Plus/CA/IMB/RIB/PPF/ Govt)
Currency: 1: INR
Govt/PPF/Cr Card details:
Linked Branch Code 5 Digit Link Branch Code.
Central Govt. Code Box 1 5, Box 2 7, Box 3 - Supplementary Head as
per the List given below, & 4 Blank.
Primary Acct: Select Y:Yes or N:No as applicable.
Primary Account No.: Enter if Primary Acct flag is set to N:No.
Advice Required: Select N:No.
DDO Code: Enter the DDO Code. It is mandatory for CPWD.

ii.

The Govt. Major Head is 5, the Minor Head is 7 and Supplementary Heads are as follows:
SN
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15

iii.

DESCRIPTION
Housing Rev (Plan)
Housing Rev (Non - Plan)
Housing Cap (Plan)
Housing Cap (Non Plan)
Pub Wrks Rev (Plan)
Pub Wrks Rev (Non - Plan)
Pub Wrks Cap (Plan)
Pub Wrks Cap (Non - Plan)
Other Ministries Wrks Rev (Plan)
Other Ministries Wrks Rev (Non - Plan)
Other Ministries Wrks Cap (Plan)
Other Ministries Wrks Cap (Non - Plan)
Public Account (Deposit)
Public Account (CSSA)
Public Account (Miscellaneous)

SUPPL. HEAD
2216P
2216N
4216P
4216N
2059P
2059N
4059P
4059N
OMRP
OMRM
OMCP
OMCN
8443
CSSA
MISC

CPWD Accounts are opened in the combination of Primary and Secondary

Accounts with a common DDO Code. All Accounts under one DDO should be
opened under one CIF. DDO Code is mandatory.

447

iv.

Customer Level Limits and Account Level Limits for each Account under a CIF (both
Primary as well as Secondary) have to be created on the lines of CC / OD Accounts.

v.

Cheque Books are issued only for the Primary Accounts. However, system
allows payment of such Cheques in Secondary Accounts.

448