Ye Saale phir se shuru ho gaye yar. Poore pheku no 1! Kya poore Hyderabadi aise hai kya? 30 second may account kaise khulega re?
Hi everybody!
A warm welcome from PO
Updates. Today we will tell you how you can open any account in less than 30
seconds. If you think its impossible, at least let's try to open any account in
less than 1 minute. No more extension. We can open any account in less than 30
seconds. But it will take some practice. Your hands should move fast on the
keyboard. Like really fast. With fast hands and remembering some codes you can
open any account in less than 30 seconds. Let's see how it is possible.
You guys might have observed
account opening forms have so many fields. And many of them are unknown
to us. For example does any one know what is meant by Account Pegged field? But
it will be there in every account opening screen.
Then how can you fill up
such huge and ugly forms in less than 30 seconds? The answer for this question
is you need not fill up all the fields in the account opening form in Finacle.
Yes its true. Only a few form fields are to be filled up in any account
opening screen. Let us see which fields are required and which fields are not
required.
Pay close attention now.
Only fields related to the following are required in any account opening.
1. Mode of Operation
2. If Mode of Operation
is Joint A/Joint B/Minor through Guardian, then enter Related Party details or
Guardian Details in Related party details 2.
3. Details about the
deposit amount and mode of deposit.(Not required for SB, PPF and SSA accounts)
4. Nomination details if
any.
5. Choose Account
Document received as NO.
If you can remember these
5 points now and try applying these steps in the counter you will start
believing that we are correct.
Lets see each point in
detail so that you can remember these points well.
1. Mode of Operation :
Mode of operation means whether the account is single, Joint A, Joint B or minor
account operated by guardian.
We have to choose a mode
of operation code by clicking the searcher every time we open a new account in
Finacle.
Stop! Don't click the
searcher. Remember the below codes for each mode of operation and enter them
directly
012 - Single/Self
016 - Joint A
017 - Joint B
018 - Minor account
operated by self (Only for RD accounts, minors above 10 years can operate
themselves)
019 - Minor account
operated by Guardian
020 - Lunatic account
operated by Guardian ( Lunatics are those people whose mental growth is less -
Sorry I couldn't find better words to easily explain the term Lunatic to you.)
Try to remember these
codes from now. Do not use searcher while entering Mode of operation.
2. In finacle depositors
are called as Related Parties. 1st depositor is called as Related party 1 and
second depositor is called as Related Party 2 and so on. So if mode of deposit
is Joint A/Joint B or Minor account, then we have to enter the details of
second depositor/Guardian in Related Party Details 2 section. Just enter the
cif id of the second deposit/guardian and choose appropriate relation ( Joint
holder for Joint A/ Joint B or Authorized signatory for Guardian).
If the account is a
single account you can skip this step. You can also skip this step in PPF/SSA
account openings.
3. For accounts of RD,
MIS, TD, SCSS and certificates we have to give deposit details and mode of
deposit while opening of account itself. Deposit details means the amount of
principle or monthly installment in case of RD. Mode of deposit means whether
the customer is paying the amount by cash or POSB Cheque or bank cheque.
Just enter the deposit
amount and deposit details related entries.
You can skip this step
for SB, PPF and SSA accounts. For these accounts first deposit transaction is
done after opening of account only.
4. Finally we have to
enter the nomination details. If you have cif id of the nominee enter it in cif id
field of nominee. Otherwise enter the name, address and postal code (pin
code).
While entering nominee
relationship try to remember the codes of common relations. I'll give you some
common codes below try to remember them
001 - father
004 - mother
005 - son
006 - daughter
017 - wife
018 - husband
5. When finacle was first
introduced, we used to send all account documents to CPC for scanning. All
account document mean account opening form, id proof copy of the customer,
address proof copy of the customer etc. CPC people used to scan all those
documents.
But now CPC people are
not scanning all these documents. Only KYC form is being scanned at CPC.
At that time when CPC
people used to scan all the documents, counter PAs had to enter all the details
of the documents which they had to send to CPC.
Now since we are not
sending anything to CPC entering all account document details is useless.
Please note that we have to enter all the document details while
opening/modification of the CIF.
So just select account
documents received as NO while opening of any new account.
So these are the 5
details which we have to give while opening of any new account.
What about agent details?
You may ask me. Yes I'm coming to that part only. Agent details will come only
for RD, MIS, TD and Certificates. So one extra step while opening those
accounts. And not all accounts are opened through agents isn't it ;-) .
Encourage agents to write
their agent ID on all application forms. So that you need not click on the
searcher to search for the agent Id. Directly enter the agent id as written by
the agent. Even agent accounts can be opened within 30 seconds.
All this comes from
practice. You may feel a little difficulty in the beginning. But just follow
our tips and tricks and finish your work quickly.
