FINACLE TRAINING LESSON 15
Also Read : Finacle Training Lesson 14
Recap:
HTM Menu in Detail
As I said in the previous lesson, we can do all
transactions in HTM. Yes! If you don’t believe me try yourself. But since we have
dedicated menus for individual transactions let’s not complicate our work by
using HTM.
But there are some other
cases where we have to use HTM menu. Let’s see 2 such cases.
Cash Transfer from Vault.
How many of you got this
error “Cash Limit Error” while verifying withdrawal transactions? Do you know
why this error comes? Let’s see why it comes.
If you remember we have
discussed in Lesson number 7 that every transaction in finacle will have two
entries. Those two entries are 1. Credit entry 2. Debit entry.
When we do SB deposit
transaction, customer’s SB account will be credited and Teller account will be
debited. It means that when we accept deposits our teller cash position will
increase but it will be in debit position. All these details we have clearly
discussed in lesson no 7. Similarly while making withdrawal transactions
customer SB account will be debited and teller cash position will be credited.
Here, the point to be
noted is system will not allow SB withdrawal transaction if in teller cash
position sufficient balance is not available in debit position.
Initially at the morning
the teller cash position will be 0. Let us imagine that an RD deposit
transaction is made for Rs.1000/-. Now the cash position will be 1000 in debit
(Dr) position. See the image below.
As you can see after
making the deposit Teller cash is debited by Rs.1000/-. So if we want to make
any withdrawal transaction if the balance in Teller cash is less than the withdrawal
amount system will show an error as “Cash Limit Error”.
Please note that to make
any withdrawal transaction cash position must be in Dr Status only.
As a routine when we open
the counter we take cash advance from Treasury. This advance transaction should
also be done in the system. If you remember, while discussing about office
accounts we have discussed about Vault account.
Vault is the equivalent
of our Treasury. Small cash lockers are called CASH CHESTS. If the lockers are
big like bigger than a house, then those lockers are called as VAULT.
So whatever advance we
take from Treasury, the same advance transaction must be done in Finacle.
Let’s see how it done. We
have to invoke HTM. Choose Function as ADD and Transaction Type/Sub type as
C/CT – Cash/Cash Transfer and click on GO. See the image below.
After clicking on GO, the following
screen. See the image now.
As you can see in the
image, this screen is same as interest withdrawal screen. It will be same
because we are using the same menu HTM.
Since we are taking
advance from treasury we have to debit our teller id. Don’t get confused now.
We have seen in the beginning of this lesson that while doing deposit
transactions our teller account is getting debited. Similarly while taking
advance from treasury we have to debit our teller account.
I hope you are getting my
point.
So Choose part
transaction type as Debit, enter your teller account Id and amount and then
click on Add button. This is the first part transaction.
After clicking on the add
button you will get the same screen again.
This is the second part
transaction where we have to enter credit account details. Simple, just enter
A/c id as vault account id {0406}, enter amount and choose part transaction
type as Credit and click on post.
I hope you are getting my
point. I really hope you have understood why we have debited the teller account
id and credited the vault account.
Alternately in the second
step after entering the account id, if you click the 3=3 button beside amount
field, it will make all the necessary adjustments.
Cash Transfer to Vault.
Cash transfer to vault is
very much similar to that of cash transfer from vault. In all these cash
transfer transaction the only thing to keep in mind is which account getting
debited and which account is getting credited.
If you know which account
is getting debited and which account is getting credited it will be very easy
for you to do these transactions.
In this case to transfer
amount from Teller to Vault, we have to debit the vault account and credit the
teller account.
We already know that when
we do a withdrawal transaction in counter , customer’s account will get debited
and teller account will get credited. Similarly to send cash to vault we have
to credit the teller account and debit the vault account.
Now that we know which
account to debit and which account to credit, follow the steps in above
transactions and try this transaction too.
Cash Transfer between counters
Many offices have more
than one counter in offices. There will be many such cases that counter PA will
take cash from other counters instead of going to treasury. These cash
transactions should also be done in the system. These transactions are also
done in HTM menu only. All steps are same as we have done in the above two
sections. Only thing is we have to identify which account should be debited and
which account should be credited.
I’ll tell you a simple
way to remember this without getting confused.
1. Debit the teller account
of the person who is accepting cash
2. Credit the teller account
of the person who is giving cash
Simple, isn’t it? Now you
know which account to debit and which account to credit. Follow the steps which
we already discussed in this lesson and do the transactions.
Other uses of HTM menu
If you see in FUNCTION of
HTM there are 5 options.
1. Add
2. Modify
3. Inquire
4. Delete
5. Verify
Now we know why we use
Add and Verify options. Inquire is to do inquiry of transactions. Whatever be
the transaction just choose function as Inquire and enter transaction ID and
finacle will show the details of the transactions.
Modify is used to modify
the State of the transaction from entered to posted state. It doesn’t mean you
can modify the entire transaction details. NO! We cannot modify any details of
any transaction once it is done.
Delete is used to delete
the transactions. We already know that only entered state transactions can be
deleted. So if you have mistakenly entered SB withdrawal as 66000 instead of
6600 you can delete that transaction using HTM and re do the transaction.
Any transaction can be
verified using HTM menu. If you see any pending transactions in HFTI and you
don’t know which menu to verify that transaction, simply use HTM menu to verify
that transaction.
It is also possible to do
multiple BO RD transactions as a single transaction using HTM menu but there
should not be any default or rebate for those BO RD transactions. Debit account
id will be {0339} and credit account ids will be RD account numbers. Note: We
never tried this because we never worked in offices with BOs! So use this
option at your own risk.
One last point before we
conclude this lesson. People say that there is no option to view signature in
HTM menu while doing interest withdrawal transactions. We enter sundry account
number in A/c id field. Do you expect sundry account to have a signature? To
view the signature of the MIS/TD/SCSS accounts first enter the actual
MIS/TD/SCSS account number in A/c id field and press F9. System will then show
you the signature. If you are convinced with the signature, then again do the
normal withdrawal process. Hope you have got my point.
SO, that’s it for today’s
lesson. Hope you have learned some new points in this lesson. See you again
tomorrow same time same place.
