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08.

BRANCH GENERAL LEDGER


(BGL)
Section

Section Description

Page

08.01

Enquiry/ Amend Branch Clg. Transactions

166

08.02

BGL Account Enquiry

166

08.03

Account Number Search

167

08.04

BGL Transaction Enquiry

167

08.05

Branch Clearing Schedule Detail Enquiry

168

08.06

Branch Clearing Enquiry for Reconciliation

169

08.07

Branch Clearing Schedule Total Enquiry

169

08.08

Transactions in BGL Accounts

170

08.09

Transfer Transactions in BGL Accounts

173

08.10

BGL Correction Transaction

178

08.11

BGL Reconciliation Transactions


Systems Suspense BGL Accounts Reconciliation
Procedure
Branch Clearing General Account - Revamp

181

Annexure-1

Cash Management Product

202

Annexure-2

Accounting Entries of CMP DDP Collection

204

08.12
08.13

183
197

08. BRANCH GENERAL LEDGER (BGL)


Branch General Ledger accounts refer to all the internal and intermediate
accounts in Core Banking. These accounts, unlike deposit / loan accounts, have
a specific format - NNNNNBBBBBC. The first five digits represent the natural
number, the next five digits represent the branch code, and the last digit is
the check digit. (Check digit can be found out using the menu General
Enquiry Display Check Digit.)
It is a good idea for the branches to make a list of commonly used BGL
accounts, for each function (such as for clearing, BC, DD etc.) so that precious
time can be saved in searching for account numbers.
08.01 Enquiry/ Amend Branch Clearing Transactions:
Steps

Description

Screen No

Enquire/Amend Branch Clearing Transaction

020417

This option is used to generate Branch Clearing Schedule when the schedule is
not generated while posting Branch clearing transactions.
Menu Navigation:
Branch accounting (BGL) Br Clg Gen Acc (BCGA) Enq/ Amend Branch Clg
Txn
SCR: 020417:GL: Enquiry/ Amend Branch Clearing transactions.

Click the search button to get all the pending branch clearing transaction
for which schedules are generated.

Key in Reference Number in the Enter the reference number of Amend


field and click on Amend.

Data entry Screen for which Schedule details were not given will come
up.

Insert appropriate Branch code, Date, Originating and Responding


schedule.

Click on Transmit.

A OK message will be displayed.

Go back to the same option in case more than one branch clearing entry
is pending for schedule generation.

08.02 BGL Account Enquiry:


Steps

Description

Screen No

Enquire BGL Account

020400

The navigation path for Short Enquiry is,


Branch Accounting (BGL) Enquire Account
Enter the BGL Account No.
Brief description of the Options:
There are various types of enquiries available in Scr: 020400

166

1. Normal Enquiry: Normal enquiry: SCR: 032013: GL Budget Enquiry is


displayed, where month-wise break up of a BGL account along with other
details could be seen.
2. Bank Cheque short enquiry: SCR: 032015: GL: Bank Cheque Short
Enquiry is displayed, where cheque details in a BGL account are
displayed.
3. Bank Cheque Long enquiry: SCR: 029054: GL: Bank Cheque Long
Enquiry is displayed, where details regarding the transaction made
through cheques in a BGL account are displayed.
4. Inward/ Outward posting enquiry: SCR: 032019: GL: Bank Cheque
Inward/ Outward posting enquiry is displayed, where details of total
transactions and Balance in a BGL account is displayed.
Click on Transmit
08.03 Account Number Search:
Steps

Description

Screen No

Account Number Search

029041

This menu is used for enquiring about the BGL account numbers by giving any or
some of the words, which form part of the name of the BGL account.
Menu Navigation:
Branch accounting (BGL) Enquiry Account Number Search.
Screen SCR: 029041: GL: Account Number Search is displayed.
1. Insert brief Account name of BGL account
2. For example, for finding Suspense-T.A Bills account, type
ledger name.

Susp in

3. Click on Search.
4. Only 5 records are displayed in one go. Click on more to get more
accounts.
5. Note down the required BGL account number for usage. As already said,
it is a good idea to note down commonly used BGL account numbers so
that valuable time need not be wasted for searching BGL account
numbers.
08.04.01 BGL Daily Transaction Enquiry:
Steps

Description

Screen No

BGL Transaction Enquiry

020450

Menu Navigation:
Branch Accounting (BGL) Enquire Daily Transaction Enquiry
Screen No 020450 G/L: Transaction enquiry is displayed.
1. In the Field Account no. key in the BGL account number.

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2. Please use the filters to narrow down the search for e.g., in transaction
type select from the dropdown 01:Financial transaction, 04:Other
Details and likewise other filters can be used as per the requirement.
The various filters available under Transaction Type dropdown are:
01: Financial Transactions
02: Credit Card Purchase Details
04: Other Details
20: Statement Narrative
21: Message Description
36: Transfer Details
47: Account Type/Home Branch Change
Click on Transmit.
The transaction details for the BGL account for the current date are displayed.
You can now see the transaction details.
08.04.02 BGL Periodic Transaction Enquiry:
Steps

Description

Screen No

BGL Transaction Enquiry1

020451

Menu Navigation:
Branch Accounting (BGL) Enquire Periodic Transaction Enquiry
Screen No 020451 G/L: Transaction enquiry1 is displayed.
1. In the Field Account no. key in the BGL account number.
2. Please use the filters to narrow down the search for e.g., in transaction
type select from the dropdown 01:Financial transaction, 04:Other
Details and likewise other filters can be used as per the requirement.
The filters available are the same as in the case of Daily Transaction
Enquiry.
3. Key in the From Date and To Date fields.
NOTE: The From Date and To Date cannot be of different months.
Click on Transmit.
The transaction details for the BGL account for the period are displayed.
You can now see the transaction details.
08.05 Branch Clearing Schedule Detail Enquiry:
Steps

Description

Screen No

Branch Clearing Schedule Detail Enquiry

020409

Menu Navigation:

168

1. Branch Accounting (BGL) Br Clg Gen Acc (BCGA) Branch Clearing


Schedule Detail Enquiry
2. Screen No 020409 G/L: Branch clearing schedule detail enquiry.
3. In the Field Branch no. key in the Reporting Branch Code.
4. Against Reporting Date, key in the date for which schedule enquiry is to
be done.
5. Against Schedule no., key in the schedule no. of the Reporting Branch
for which the search is to be done.
6. Reference no. and amount filters are also available to narrow down the
search.
Click on Search.
It will display the entire Branch clearing schedules of the branch with their
status.
Click on More button to view more records.
08.06 Branch Clearing Enquiry For Reconciliation:
Steps

Description

Screen No

Branch Clearing Enquiry For Reconciliation

020419

Menu Navigation:
Branch Accounting (BGL) Br Clg Gen Acc (BCGA) Branch Clearing
Enquiry for reconciliation
Screen No 020419: Branch clearing general enquiry.
1.

Against Branch no. key in the Reporting Branch Code.

2.

Against Reporting from Date key in the date from which enquiry is
to be done.

3.

Against Reporting to Date key in the date upto which enquiry is to


be done.

4.

Against Schedule no., key in the Reporting Branch schedule no. for
which the search is to be done.

5.

Select from the filters: Other Branch No. or From Amount to Amount
or Other Branch From date and Other branch to date as per the
requirement.

Click on Search. Click on More button to view more records.


08.07 Branch Clearing Schedule Total Enquiry:
This enquiry is useful to get the total amount for a particular schedule on a
particular date for the Branch.
Steps

Description

Screen No

Branch Clearing Schedule Total Enquiry

020410

169

Menu Navigation:
Branch Accounting (BGL) Br Clg Gen Acc (BCGA) Branch Clearing
Schedule total Enquiry
Screen No 020410 G/L: Branch Clearing Schedule total Enquiry
1. In the Field Branch no. key in the Branch Code.
2. Against Reporting Date, key in the date for which enquiry is to be done.
3. Against Schedule type, select appropriate Schedule from the dropdown.
Click on Transmit.
08.08 Transactions In BGL Account:
Various menus have been provided for putting through transactions in BGL
accounts. These are used mainly for Cash remittance, Branch clearing
transaction, ATM cash replenishment and other BGL transactions.
08.08.01. Cash Posting (Credit) BGL Accounts
Steps

Description

Screen No

G/L: Cash Depsot

020010

This menu is used for crediting BGL accounts as in the case of Inward Cash
Remittance.
Menu Navigation:
Branch Accounting (BGL) Credits G/L: Cash Deposit
Screen No 020010 G/L: Cash Deposit
1. Field IOI Flag: Select No or Yes as the case may be from the drop
down
2. In the Field Account no., key in the BGL account to be credited, for
example Branch Clearing Account 98611BBBBBC.
3. In the Amount Field, key in the amount.
4. Against statement Narrative, enter brief particulars of the transaction.
5. For Branch Clearing transactions, select the appropriate schedule type
from the dropdown (to be left blank for Non-Branch Clearing
Transactions) and enter details in the additional fields that are displayed
after the schedule type selection.
6. If the transaction being keyed in is a Reversing Entry in a Reconciliation
Type BGL Account, the Reference Number (20 digit number starting with
SYS000)of the originating transaction needs to be entered. Otherwise
this field is to be left blank.
7. Click on Transmit.
8. The cash drawer of the teller pops up. Key in the denomination wise
details of the Cash being deposited.

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The transaction will be submitted in Queue for authorization (Refer: 14.01).


The Queue Reference Number so generated is to be noted on the relative
voucher(s).
The checker authorizes the Queue after verifying the transaction. On successful
authorization, a Journal number will be displayed.
For Originating entries to a Reconciliation type BGL account, a 20-digit system
generated reference number will be generated. For responding entries to a
Reconciliation type of a BGL where the Originating entry is being fully
reconciled, a Recon Sequence Number will be generated.
The relative Journal / Reference / Recon Sequence Number, as the case may
be has to be noted on the voucher.
Click on OK.
08.08.02. G/L: Outward Clearing - Cheque Deposit
Steps

Description

Screen No

G/L: Outward Clearing - Cheque Deposit

020020

Outward Clearing Instruments for credit to BGL accounts can be entered


through this menu option also.
Menu Navigation:
Branch Accounting (BGL) Credits G/L: Outward Clearing - Cheque
Deposit
1.

Screen No 020020 G/L: Cheque Deposit is displayed.

2.

Against Account no., key in the BGL account to be credited.

3.

Against Amount, key in the amount of the cheque being deposited.

4.

In the Cheque No. field, key in the Cheque no. In MICR code field
key in the MICR code of the center.

5.

Against Instrument type, select the Instrument type from the


dropdown for e.g. 10: Saving account, 11: Current account etc.

6.

In the Instrument Date field key in the date of cheque as in the


ddmmyy format.

7.

Select the appropriate option in the Statement Narrative and then


enter brief description in the next box.

8.

In the Reference Number field, give the reference number of the


Originating Transaction, in the case of a Reversing Entry to a
Reconciliation type of a BGL. In all other cases this filed is to be left
blank.

9.

Against Schedule Type, if the transaction pertains to Branch


Clearing General Account, select the appropriate schedule from the
dropdown. For non-branch clearing transactions this field is to be
left blank. In case the Schedule Type is selected, the details in the
additional fields displayed after the selection, MUST be entered.

171

10. Against Clearing Date, key in the date on which the clearing is to be
released.
11. Against clearing type, select the appropriate clearing type from the
drop down for e.g. MICR/Non-MICR etc.
Note: Appropriate Clearing Session should been opened before hand.
Click on Transmit.
The transaction will be submitted in Queue for authorization (Refer: 14.01).
The Queue Reference Number so generated is to be noted on the relative
voucher(s). The checker authorizes the Queue after verifying the transaction.
On successful authorization, a Journal number will be displayed.
For Originating entries to a Reconciliation type BGL a 20 digit system generated
reference number will be generated. For responding entries to a Reconciliation
type of a BGL where the Originating entry is being fully reconciled, a Recon
Sequence Number will be generated. The relative Journal / Reference / Recon
Sequence Number, as the case may be have to be noted on the voucher.
Click on OK.
08.08.03. G/L: Cash Disbursement
Steps

Description

Screen No

G/L: Cash Disbursement

020060

This menu is used debiting BGL accounts through cash as in the cases of
Outgoing Cash Remittance and for ATM - Cash Replenishment.
Menu Navigation:
Branch Accounting (BGL) Debits Cash
1. Screen No 020060 G/L: Cash Disbursement is displayed.
2. In the Field Account no. key in the BGL account to be debited, e.g.
enter the Branch Clearing General Account Number 98611BBBBBC in the
case of Outward Cash Remittances and 98549BBBBBC in the case of ATM
Cash Replenishment.
3. In the Amount Field key in the amount to be debited.
4. Fill in the short description in the Paid To 1 field.
5. The Reference Number field is to be filled in only in case of Reversing
Entry to a Reconciliation Type of BGL, else this field is to be left blank.
(For reversing Entry input the system generated 20 digit reference
number in this field.)
6. Against Schedule Type, if the transaction pertains to Branch Clearing
General Account, select the appropriate schedule from the dropdown.
For non-branch clearing transactions this field is to be left blank. In case
the Schedule Type is selected, the details in the additional fields
displayed after the selection, MUST be entered.
7. Fill in the Statement Narrative. For ATM Cash replenishment, please
give the reference as A1T1DDMMYYYY A1 referring to the ATM Number,

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T1 representing replenishment Transaction number on date and date in


the DDMMYYYY format.
Click Transmit.
The transaction will be submitted in Queue for authorization (Refer: 14.01).
The checker authorizes the Queue after verifying the transaction.
8. On authorization, a queue number is generated, which goes to the Group
Queue.
9. When the Maker retrieves this Queue item and clicks on Accept, the
Cash drawer will pop up.
10. Fill in the denomination wise details of the Cash paid in the cash
drawer. Ensure that (Give) / Receive field in the Cash Drawer shows 0
and transmit.
A message Cash Drawer Updated Message returned from host => O.K. will
be displayed on the makers terminal on successful completion of the
transaction.
08.09 Transfer Transactions In BGL Account:
In case of Branch clearing transactions, the details for both transaction part
and schedule generation part are accepted in the same screen. The user has to
select correct schedule type and give other details required for generation of
Schedule, before transmitting the same.
Various menus have been provided to put through transfer transactions
involving BGL accounts of the branch, which are discussed below:
Note: Branch clearing transactions not authorised will not be reported to IOA.
08.09.01. Intra-Branch
Steps

Description

Screen No

Intra-Branch

020045

This menu is used for the fund transfer between two BGL accounts.
Menu Navigation:
Branch Accounting (BGL) Transfer G/L : Fund Transfer
1. Screen No 020045 G/L: Fund Transfer is displayed.
2. Field IOI Flag: Select No or Yes as the case may be from the drop
down
3. In the Field Transfer from G/L Account no. key in the account number
of the BGL account to be debited.
4. In the Amount Field key in the amount of transaction.
5. In the Field Transfer to G/L Account no. key in the BGL account to be
credited.
6. Give appropriate narration in the field Purpose of Transfer.
7. Against Schedule Type, if the transaction pertains to Branch Clearing
General Account, select the appropriate schedule from the dropdown.
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For non-branch clearing transactions this field is to be left blank. In case


the Schedule Type is selected, the details in the additional fields
displayed after the selection, MUST be entered.
8. In case of Reversing entries in a Reconciliatory Type of accounts, the
Reference No. field is to be filled in with the system generated
Reference Number of the relative originating transaction. In all other
cases this field is to be left blank.
Click on Transmit.
A Queue reference no. will be generated. The Queue Reference Number so
generated is to be noted on the relative voucher(s). The checker authorizes the
Queue after verifying the transaction. On successful authorization, a Journal
number will be displayed.
For Originating entries to a Reconciliation type BGL a 20 digit system generated
reference number will be generated. For responding entries to a Reconciliation
type of a BGL where the Originating entry is being fully reconciled, a Recon
Sequence Number will be generated. The relative Journal / Reference / Recon
Sequence Number, as the case may be have to be noted on the voucher.
Click on OK.
08.09.02 G/L: Transfer from Deposit Account
Steps

Description

Screen No

G/L: Transfer from Deposit Account

021031

This menu is used for transfer of funds from a deposit account to a BGL
account.
Menu Navigation:
Branch Accounting (BGL) Transfer G/L: Transfer from Deposit Account
1.

Screen No 021031 G/L: Transfer from Deposit Account is displayed

2.

Field IOI Flag: Select No or Yes as the case may be from the
drop down

3.

In the Field From Deposit Account, key in the account number of


the Deposit account to be debited.

4.

In the Amount Field, key in the amount of the transaction.

5.

In the Field To G/L Account, key in the account number of the BGL
account to be credited.

6.

Give the appropriate narration in the Field Statement Narrative.

7.

Against Schedule Type, if the transaction pertains to Branch


Clearing General Account, select the appropriate schedule from the
dropdown. For non-branch clearing transactions this field is to be
left blank. In case the Schedule Type is selected, the details in the
additional fields displayed after the selection, MUST be entered.

8.

In case of Reversing entries in a Reconciliatory Type of account, the


Reference no. Field has to be filled in with the system generated

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Reference Number of the relative originating transaction. In all


other cases this field is to be left blank.
9.

Click on Transmit.

A Queue reference no. will be generated. The Queue Reference Number so


generated is to be noted on the relative voucher(s). The checker authorizes the
Queue after verifying the transaction. On successful authorization, a Journal
number will be displayed.
For Originating entries to a Reconciliation type BGL a 20-digit system generated
reference number will be generated. For responding entries to a Reconciliation
type of a BGL where the Originating entry is being fully reconciled, a Recon
Sequence Number will be generated. The relative Journal / Reference / Recon
Sequence Number, as the case may be has to be noted on the voucher.
Click on OK.
08.09.03. G/L to Deposit:
Steps

Description

Screen No

G/L : Transfer to Deposit Account

021051

This menu is used for transfer of funds from a BGL account to a deposit
account.
E.g.: Debit Branch Clearing General A/c (98611<BRCD><CHECKDIGIT>)
Credit Customer (Deposit) a/c
(<BRCD> is the 5-digit Branch Code followed by 1-digit Check digit).
Menu Navigation:
Branch Accounting (BGL) Transfer G/L to Deposit
1. Screen No 021051 G/L: Transfer to Deposit Account is displayed.
2. In the Field From G/L Account key in the account number of the BGL
account to be debited.
3. In the Amount Field key in the amount of the transaction.
4. In the Field To Deposit Account key in the account number of the
Deposit account to be credited.
5. Against Schedule Type, if the transaction pertains to Branch Clearing
General Account, select the appropriate schedule from the dropdown.
For non-branch clearing transactions this field is to be left blank. In case
the Schedule Type is selected, the details in the additional fields
displayed after the selection, MUST be entered.
6. In case of Reversing entries in a Reconciliatory Type of account, the
Reference no. Field has to be filled in with the system generated
Reference Number of the relative originating transaction. In all other
cases this field is to be left blank.
7.

Give appropriate narration in the field Statement Narrative.

Click on Transmit.

175

A Queue reference no. will be generated. The Queue Reference Number so


generated is to be noted on the relative voucher(s). The checker authorizes the
Queue after verifying the transaction. On successful authorization, a Journal
number will be displayed.
For Originating entries to a Reconciliation type BGL a 20-digit system generated
reference number will be generated. For responding entries to a Reconciliation
type of a BGL where the Originating entry is being fully reconciled, a Recon
Sequence Number will be generated. The relative Journal / Reference / Recon
Sequence Number, as the case may be has to be noted on the voucher.
An OK will be displayed.
08.09.04. CC/OD to G/L:
Steps

Description

Screen No

G/L: Transfer from CC/OD Account

022231

This menu is used for fund transfer from CC/OD Account to BGL account.
Menu Navigation: Branch Accounting (BGL) Transfer CC/OD to G/L
1.

Screen No 022231 G/L: Transfer from CC/OD Account is displayed.

2.

In the Field From CC/OD Account key in the account number of the
CC/OD account to be debited.

3.

Key in the amount of the transaction in the field Amount.

4.

In the field Cheque No., the Cheque Number to be given if the


transfer is against cheque.

5.

Against Instrument Type select the appropriate option from the


dropdown most often this option would be 13:Cash Credit Account
Cheque if the Cheque number is entered in the previous field.

6.

Against Priority code, select the appropriate option from the


dropdown e.g. P: Principal, I: Interest etc.

7.

In the Field To G/L Account key in the account number of the BGL
account to be credited.

8.

The date of the Instrument to be given in Instrument Date field.

9.

In case of Reversing entries in a Reconciliatory Type of account, the


Reference no. Field has to be filled in with the system generated
Reference Number of the relative originating transaction. In all
other cases this field is to be left blank.

10. Against Schedule Type, if the transaction pertains to Branch


Clearing General Account, select the appropriate schedule from the
dropdown. For non-branch clearing transactions this field is to be
left blank. In case the Schedule Type is selected, the details in the
additional fields displayed after the selection, MUST be entered.
11. Give appropriate narration in the field Statement Narrative.
Click on Transmit.

176

A Queue reference no. will be generated. The Queue Reference Number so


generated is to be noted on the relative voucher(s). The checker authorizes the
Queue after verifying the transaction. On successful authorization, an OK
message is displayed. Note down the reference Number or Recon sequence
Number or the Journal Number generated on the voucher.
08.09.05. G/L to CC/OD
Steps

Description

Screen No

G/L : Transfer to CC/OD

022051

This menu is used for fund transfer from BGL account to CC/OD Account.
Menu Navigation: Branch Accounting (BGL) Transfer G/L to CC/OD
1. Screen No 022051 G/L: Transfer to CC/OD Account is displayed.
2. In the Field From G/L Account key in the account number of the
BGL account to be debited.
3. In the Amount Field key in the amount of the transaction.
4. In the Field To CC/OD Account key in the account number of the
CC/OD account to be credited.
5. In the Field Priority select the appropriate option from the
dropdown e.g. P: Principal, I: Interest etc.
6.

If it is a branch clearing transaction, select the appropriate


Schedule in the Field Schedule Type from the drop down, else
leave the field blank. In case the Schedule Type is selected, the
details in the additional fields displayed after the selection, MUST
be entered.

7.

In case of Reversing entries in a Reconciliatory Type of account, the


Reference No. Field has to be filled in with the system generated
Reference Number of the relative originating transaction. In all
other cases this field is to be left blank.Enter appropriate narration
in the field Statement Narrative.

Click on Transmit.
A Queue reference no. will be generated. The Queue Reference Number so
generated is to be noted on the relative voucher(s). The checker authorizes the
Queue after verifying the transaction. On successful authorization, an OK
message is displayed. Note down the reference Number or Recon sequence
Number or the Journal Number generated on the voucher.
08.09.06.G/L to Loans Account:
Steps

Description

Screen No

G/L to Loans Funds Transfer

023250

This menu is used for fund transfer from BGL account to Loan Account.
Menu Navigation:
Branch Accounting (BGL) Transfer G/L to Loans Account

177

1. Screen No. 023250 G/L to Loan Fund Transfer is displayed.


2. In the Field From G/L Account key in the account number of the BGL
account to be debited.
3. In the Amount Field key in the amount of the transaction.
4. In the Field To Loan Account key in the account number of the Loan
account to be credited.
5. If it is a branch clearing transaction, select the appropriate Schedule in
the Field Schedule Type from the drop down, else leave the field
blank. In case the Schedule Type is selected, the details in the additional
fields displayed after the selection, MUST be entered.
6. In the Field Priority select the appropriate option from the dropdown
e.g. P: Principal, I: Interest etc.
7. Give appropriate narration in the field Statement Narrative.
8. In case of Reversing entries in a Reconciliatory Type of account, the
Reference No. Field has to be filled in with the system generated
Reference Number of the relative originating transaction. In all other
cases this field is to be left blank.
9. Click on Transmit.
A Queue reference no. will be generated, indicating submission for
authorization (Refer: 14.01). The Queue Reference Number so generated is to
be noted on the relative voucher(s). The checker authorizes the Queue after
verifying the transaction. On successful authorization, an OK message is
displayed. Note down the reference Number or Recon sequence Number or the
Journal Number generated on the voucher.
08.10.01 BGL Correction Transaction:
This menu can be used for reversing the erroneous entries put through on the
same day. This is available as sub menu. The user has to key in all the
relevant particulars including the TRACE NO. of the original transaction, it
must be the replica of the original transaction which is to be reversed. The
Trace No. can be found from the Transaction enquiry. (Correction here implies
reversal of the wrong transaction). However it needs to be noted that
correction cannot be done for Branch Clearing transactions. Branch Clearing
transactions have to be reversed through Branch Clearing Reversing Schedules
ONLY.
Note: The user has to put through the correct transaction after reversing
(CORRECTION) the erroneous entry.
There are separate correction menus provided for putting through following
corrections:

Intra branch (SCR: 020145 G/L: Correct Fund Transfer)

Cash Disbursement (SCR: 020160 G/L: Cash Disbursement- Correction)

Deposit/CC/OD to GL (SCR: 021131 G/L: Correct Transfer from Deposit


A/c)

178

GL to Deposit/CC/OD (SCR: 021151 G/L: Correct Transfer to Deposit


A/c).

CC/OD to GL (SCR: 022331 G/L: Correct Transfer from CC/OD Account).

GL to CC/OD (SCR: 022151 GL: Correct Transfer to CC/OD Account)

G/L to Loan Account (SCR: 023350 G/L: To Loans Funds Transfer


Correction).

08.10.02 Cash BGL Rectification:


This menu is to be used for posting the Cash Rectification transaction.
Menu Navigation:
Branch Accounting (BGL) Cash BGL Rectification.
Select the appropriate transaction type from the list viz.:
Debit Loan
Credit Loan
Debit CC/OD
Credit CC/OD
Debit Deposit
Credit Deposit
Debit BGL
Credit BGL
Debit BGL Other Branch
Credit BGL Other Branch
Fill in the mandatory fields. The system will automatically pick up the Cash
Rectification Account (BGL 98955BBBBBc) and the Branch Cash Account
1204505001will be updated after the end of that day.
Important Points:
1. No direct postings to be done in 98955 account.
2. The account should not be used for updation of cash drawer.
3. The account should not be used for rectification of ATM Replenishment
Transaction.
4. The account should not be used for rectification of Currency Chest
Transaction.
Branches are required to prepare rectification vouchers for these transactions
and these duly authorized vouchers are to be kept for auditors verification.
08.10.03 Batch/Technical Rectification:
08.10.03.01 Batch
In view of the introduction of the new transfer batch utility wherein a new BGL
account 99512 Batch Posting - OLRR has been introduced, Technical Suspense
entries will be largely eliminated. It is therefore, necessary that batches be
179

properly monitored. This menu option provides a batch enquiry separately for
posted and failed batches.
Menu Navigation:
Branch Accounting (BGL) Batch/Technical Rectification Batch
The options are:
Posted Enquiry
Failed Enquiry
Select the appropriate option from the menu.
Select batch type from the dropdown and click on execute button. The system
will display the list of batches. Select the batch about which an enquiry is to be
made and click on Return Batch ID. However, this option is not to be used for
rectification of batches, for which the Batch Transaction Menu option only
should be used.
08.10.03. Others:
This option is to be used for Technical Suspense rectification.
Select the appropriate transaction type from the list viz.:
Debit Loan
Credit Loan
Debit CC/OD
Credit CC/OD
Debit Deposit
Credit Deposit
Debit BGL
Credit BGL
Debit BGL Other Branch
Credit BGL Other Branch
Fill in the mandatory fields. The date to be input is the date of the original
transaction for which correction entry is now to be passed. Accordingly the
system picks up the appropriate BGL. Branches should not post direct entries to
account numbers 99513 and 99514.
Branches are required to prepare rectification vouchers for these transactions
and these duly authorized vouchers are to be kept for auditors verification.

180

08.11. BGL Reconciliation Transactions:


For reconciliation of BGL accounts various sub-menus have been provided viz.
Reference no. Search, Reconciliation enquiry, and Manual reconciliation.
08.11.01. Reference Number Search
Steps

Description

Screen No

Reference Number Search

029042

The System generates a unique alphanumeric reference no. (e.g.


SYS00000000000000001 - Twenty digits) for all Debit or Credit entries originated
in the reconciliatory accounts.
This menu is useful in searching for Reference no. of unreconciled entries
only.
Menu Navigation:
Branch Accounting (BGL) Reconciliation Reference Number Search.
1. Screen No. 029042 G/L: Reference Number Search is displayed.
2. In the Field BGL Account Number key in the account number of the BGL
account to be enquired.
3. Some filters viz. Date and Amount have been provided to narrow down the
search.
Click on Search.
It will display the outstanding (Debit or Credit) entry along with the reference
no., which can be subsequently used for reconciliation.
08.11.02. Reconciliation Enquiry
Steps

Description

Screen No

Reconciliation Enquiry

029043

This menu can be used for retrieving the details of all the Reconciled as well
as Unreconciled entries of a particular BGL account.
Menu Navigation:
Branch Accounting (BGL) Reconciliation Reconciliation Enquiry
1. Screen No. 029043 G/L: Reconciliation Enquiry is displayed.
2. In the Field BGL Account Number key in the account number of the BGL
account to be enquired.
3. The Fields Reconciliation Status and Entry type can be used as per the
requirement.
4. Some other filters viz. Date, Amount and Reference no. has been provided
to narrow down the search.
Click on Search.
It will display the outstanding (Debit or Credit) entries along with the reference
no., which will be subsequently used for reconciliation.

181

08.11.03. Manual Reconciliation:


Steps

Description

Screen No

Manual Reconciliation

029044

In case of one-to-many, many-to-one and many-to-many reconciliatory type of


transactions, the BGL accounts can be credited/debited without matching the
originating transactions.
After completion of the transactions, the
reconciliation is to be done manually using this menu.
Menu Navigation:
Branch Accounting (BGL) Reconciliation Manual Reconciliation
1. Screen No. 029044 G/L: Manual Reconciliation will be displayed.
2. In the field, BGL Account No., give the Account Number.
3. Some other filters viz. Date, Amount and Reference no. have been
provided to narrow down the search.
Click on Search.
4. The outstanding (Debit or Credit) entries along with the reference no.,
Entry date, Amount, Currency and Type is displayed. The user has to
identify those entries which were already posted but Unreconciled and
Y has to be given against these entries in the field, Y to Select.
Click on Reconcile
Note: If the Manual Reconciliation is not done, then the BGL accounts may
show NIL balance, but the entries will be outstanding in the Branch Books as
Debit and Credit entries.

182

08.12 System Suspense BGL Accounts Reconciliation Procedure:


Sl.
No
1

BGL
No.
98516

BGL Name

Reconciliation Process

SYS SUS
BNK. CQ.
TO BE
ISSUED AC

(a) Originating credit is posted by the system


when the transaction is put through using the
Remittance Module- Receipt of funds.
Dr Customer / Cash
Cr 98516 Sys Susp Banker Chq to be Issued
(b) On issuing the Banker Cheque using the Issue
option the following entries are passed
Dr 98516 Sys Susp Banker Chq to be Issued Cr
Banker Cheque Account
(c) Normally after the issue of all the banker
cheques the balance in the account would
become zero.
(d) In case there is balance in the account, the
branch may use the enquiry option - Inland
Remittance > Enquiries > Other Remittance
and select status '00:To Be Issued to find the
entries where the Banker Cheques have not
been issued on the system.
(e) Thereafter go through step (b) to issue the
banker cheques on system to zeroise the
System Suspense Account.
(f) In addition to (a) above, credits into this
account may be due to the following also.
(i) Steps E-transfer / Rapid Remittance credit
where the account number is not
matching.
(ii) TDR Payout where transfer option is
selected as banker cheque.
(iii) Standing Instruction - Where SI is set up.
(g) In the case of (f)(i) above, the user has to go
through the menu - Inland (Rupee)
Remittance > Steps Rev Posting > ET/RR Rev
Posting - to reverse the failed ET/RR entries
parked in 98516Banker Cheque to be Issued Ac.
(h) In the case of (f)(ii) and (f)(iii) above, the
branch should check for transactions in
account and take corrective action.

183

System Suspense BGL Accounts Reconciliation Procedure (Contd.):


Sl.
No
2

BGL
No.
98524

BGL Name

Reconciliation Process

SYS SUSDRAFT TO
BE ISSUED
AC

98528

SYS
SUSP - EREALISATION
REVERSAL
AC

(a) Originating credit is posted by the system


when the transaction is put through using the
Remittance Module- Receipt of funds.
Dr Customer/ Cash
Cr 98524 Sys Susp Drafts to be Issued
(b) On issuing the Draft using the Issue option the
following entries are passed
Dr 98524 Sys Susp Drafts to be Issued
Cr Drafts Account
(c) Normally after the issue of all the drafts the
balance in the account would become zero.
(d) In case there is balance in the account, the
branch may use the enquiry option - Inland
Remittance > Enquiries > Other Remittance
and select status '00: To Be Issued to find the
entries where the Drafts have not been issued
on the system.
(e) Thereafter go through step (b) to issue the
drafts on system to zeroise the System
Suspense Account.
(f) In addition to (a) above, credits into this
account may be due to the following also.
(i) TDR Payout where transfer option is
selected as drafts.
(ii) Standing Instruction - Where SI is set up.
(g). In the case of (f) above, the branch should
check for transactions in account and take
corrective action.
(a) The entries into this account are posted by
the system for E-Realisation for wrong DDP No.,
and where DDP entry is already marked off.
(b) The entries put through by the system at this
stage are
Dr Steps E-Realisation Account (98694)
Cr 98528 Sys Suspense ER Reversal Ac
(c) Using DDP Realisation menu, select Realisation
- Dishonour -Cheques (screen 20042) - Yes and
complete the transaction. The following entry
is passed.
Dr 98641 - DDP Other Banks Cr 98644 - DDP
Cheques
(d) Then manually put through the following
entry
Dr 98528 Sys Susp ER Reversal Ac
Cr 98641 - DDP Other Banks

184

System Suspense BGL Accounts Reconciliation Procedure (Contd.):


Sl.
No
4

BGL
No.
98529

BGL Name
SYS SUSP
AC FOR
EXIMBILLS
TXNS

98531

CMP DDP
CREDIT
COLLECTION
AC

98532

CMP DDP
DEBIT
COLLECTION
AC

98533

SYSTEM
SUSPENSE
AC ORIG
CREDIT

Reconciliation Process
FOR EXIMBILL BRANCHES ONLY
(a) This account is used as an Intermediate
Account for EximBills transactions.
(b) The originating transactions into this account
are put through by the EximBills software.
(c) The user has to reverse the entries manually in
Bancs24.
FOR CMP BRANCHES ONLY
a) Please refer to Annexure - 2 for the accounting
entries.
b) Branches have to set up BGL Sweep to sweep the
balance in the account to Branch-4266-CMP
Centre.
c) If the balance in the account is not zero, please
check whether the sweep is set up properly.
FOR CMP BRANCHES ONLY
a) Please refer to Annexure - 3 for the accounting
entries.
b) Branches have to set up BGL Sweep to sweep the
balance in the account to Branch-4266-CMP
Centre.
c) If the balance in the account is not zero, please
check whether the sweep is set up properly.
a) This is a recon-type account - One-to-many,
Originating Credit with System generated
Ref.No.
b) In this account originating and responding
entries are manually put through by the users.
c) This account should invariably be made zero by
the end of day.
d) The outstanding entries in the account are
available in the daily report
Audit_BGL_accounts_age_wise_break_up_gend0805.
txt.gz. The reference no. is also available in this
report.

185

System Suspense BGL Accounts Reconciliation Procedure (Contd.):


Sl.
No

BGL
No.

BGL
Name

98534

SYSTEM
SUSPENSE
A/C
ORIG
DEBIT

98543

INWARD
CLEARING
SUSPENSE
A/C

Reconciliation Process
a) This is a recon-type account - One-to-many,
Originating Debit with System generated Ref.No.
b) In this account originating and responding entries
are manually put through by the users.
c) This account should invariably be made zero by the
end of day.
d) The outstanding entries in the account are
Available in the daily report
Audit_BGL_accounts_age_wise_break_up_gend0805.tx
t.gz. The reference no. is also available in this
report.
a) Only Inward Clearing transactions should be posted
to this account
b) Branch should not use it for parking other types of
transactions
c) When the individual cheques of Inward Clearing
are posted the following entries take place
Dr Customer Ac (successful debits)
Dr 98557 - OLRR Suspense Ac (where customer
account could not be debited for any reason)
Cr 98543 - Inward Clearing Suspense Ac.
(d) On receipt of TR advice for the clearing amount
from Service Branch/ Main Branch the following
entries are posted.
Dr 98543 - Inward Clearing Suspense Ac
Cr Branch Clearing General Ac.
(e) Balance in this account should be equal to the
clearing amount for which TRs have not been
received from Service Branch/ Main Branch.
(f) Inward Clearing transactions are also posted using
the Trickle Feed mechanism.
(i) ICL - In this type of Trickle Feed, softcopy
received from Service Branch without account
numbers is uploaded by branches and consolidated
credit is given to 98543 - Inward Clearing Susp Ac.
(ii) IAN - In this type of Trickle Feed, softcopy
with account numbers is uploaded by branches
and individual credits are posted to 98543
Inward Clearing Susp Ac.
(iii) CIL - In this type of Trickle Feed, softcopy
of inward clearing of many branches is uploaded
by Clearing CPC. The data received from Service
Br. is cleaned by Clearing CPC and the account no.
is Added using the SAN-MICR codes. In this case the
Inward Clearing Ac of Clearing CPC is credited.

186

System Suspense BGL Accounts Reconciliation Procedure (Contd.):


Sl.No

BGL
No.

10

98549

98551

BGL
Name

Reconciliation Process
(a) This account is used during the day for
ATM
withdrawal transactions done by the customers
CORE
on ATMs.
TRANS- (b) When the customer does an ATM withdrawal
ACTIONS
transaction, the following entries take place.
ACCODr Customer
UNT
Cr 98549 ATM Core Transactions Ac of Branch
to which the ATM is attached (Based on Branch
Code in Station ID).
(c) At the end of the day the balance in the
account is transferred to 98549 account of ATM
Switch Centre through sweep.
Dr 98549 - ATM Core Transactions Ac of Branch
Cr 98549042926 - ATM Core Transactions Ac of
ATM Switch Centre.
Thereby zerosing balance in the account at the
branch.
(d) Branch should NOT post any manual
transactions in the branch account.
(e) Branches should continue to use ATM Switch
Centre Account 98549042926 - ATM Core
Transactions Ac for the following transactions.
(i) ATM Cash Replenishment
(ii) Reversal of transactions based on SWOS/ BROS
reports
SYS
(a) Originating credit is posted by the system when
SUSP
the transaction is put through using the
GIFT
Remittance Module- Receipt of funds.
CHQ
Dr Customer/ Cash
TO BE
Cr 98551 Sys Susp Gift Chq to be Issued
ISSUED (b) On issuing the Gift Cheques using the Issue
option the following entries are passed
Dr 98551 Sys Susp Gift Chq to be Issued
Cr Gift Cheque Account
(c) Normally after the issue of all the Gift cheques
the balance in the account would become zero.
(d) In case there is balance in the account, the
branch may use the enquiry option - Inland
Remittance > Enquiries > Other Remittance and
select status '00: To Be Issued1 to find the
entries where the Gift Cheques have not been
issued on the system.
Thereafter go through step (b) to issue the Gift
cheques on system to zeroise the System
Suspense Account.

187

System Suspense BGL Accounts Reconciliation Procedure (Contd.):


Sl.
No
12

BGL
No
98556

BGL Name

Reconciliation Process

SYS SUSP
TT TO BE
ISSUED

13

98557

OLRR SUSP
SYS SUSP

(a) Originating credit is posted by the system


when the transaction is put through using
the Remittance Module Receipt of funds
Dr Customer / Cash
CR 98556 Sys Susp TT to be Issued
(b) On issuing the TT using the Issue option the
following account is debited
Dr 98556 Sys Susp TT to be Issued
(c) Normally after the issue of all the TTs the
balance in the account would become zero.
(d) In case there is balance in the account,
the branch may use the enquiry option Inland Remittance > Enquiries > TT
(Telegraphic Transfer) and select status
'00: First Step Done to find the entries
where the TTs have not been issued on the
system.
(e) Thereafter go through step (b) to issue the
TTs on system to zeroise the System
Suspense Account.
(a) Balance pertains to the instruments not
debited to customer accounts for any
reason
(b) Manual decision has to be taken to either
pay or dishonour the instrument using the
menu option - Clearing > Inward Clearing >
Presentation > Online Rejection Referral
Enquiry.
(c) If paid, system will debit customer
account.
(d) If dishonoured, system will debit 98575 OLRR-DISHONOUR AC Account should
become zero on daily basis.

188

System Suspense BGL Accounts Reconciliation Procedure (Contd.):


Sl.
No
14

BGL
No.
98561

BGL Name

Reconciliation Process

SYS SUSP
INTERNET BKG

15

98567

SYS SUSP eTRANSFER AC

(a) The entries are originated by the


system and responded by the system
(b) Both originating credits and originating
debits are posted to this account.
(c) The account should automatically get
zeroised.
(d) Branch should monitor the account daily.
(e) In case balance is found in the account,
branch may contact INB Dept with
details.
For all manual intervention transactions
(e.g. draft issue requests etc.) user
should enquire through menu - Other
Delivery Channels > Internet Banking >
Manual Intervention Transactions Requests. The user should take necessary
action and change the status in the above
screen to Processed
(a) This account is used as intermediate
account for Steps E-Transfer transactions
(b) On receipt of funds the following entries
take place.
Dr Customer
Cr 98567 Sys Susp E-Transfer Ac
(c) On issue of E-Transfer transaction (using
the Issue Option) the following
transactions take place.
Dr 98567 Sys Susp E-Transfer Ac
Cr Steps E-Transfer Ac of PSG-DAU-BrCd4430
Thereby zeroising the System Suspense Ac.
(d) In case balance is found, it means the
step (c) has not been put through.
(e) Enquire the status of transactions and
put through the step (c).

189

System Suspense BGL Accounts Reconciliation Procedure (Contd.):


SL.
No
16

BGL
No
98568

BGL Name

Reconciliation Process

SYS SUSP e
REALISATION
AC

17

98571

SYS SUS
REJECTED
TRICKLE FEED

18

98575

OLRR
DISHONOUR
AC

(a) This account is usedas intermediate


account for Steps E-Realisation
transactions.
(b) On receipt of funds the following entries
take place.
Dr Customer
Cr 98568 Sys Susp E-Realisation Ac
(c) On issue of E-Realisation transaction
(using the Issue Option) the following
transactions take place.
Dr 98568 Sys Susp E-Realisation Ac
Cr Steps E-Realisation Ac of PSG-DAU-BrCd4430
Thereby zeroising the System Suspense Ac.
(d) In case balance is found, it means the
step (c) has not been put through.
(e) Enquire the status of transactions and put
through the step (c).
(a) All failed Trickle Feed transactions land
into this account.
(b) The transactions may be both debit and
credit in nature.
(c) The branch has to go through the Trickle
Feed Status reports and reverse the
transactions manually.
(a) the balance in this account pertains to
the dishonoured cheques of inward
clearing.
(b) At the end of the day, entries should be
transferred to 98731 Branch Suspense
account.
(c) The entries must be reversed on receipt of
TR from Service Branch/ Main Branch as
the case may be.

190

System Suspense BGL Accounts Reconciliation Procedure (Contd.):


SL
No
19

BGL
No.
98577

20

98578

BGL Name

Reconciliation Process

CMP
FOR CMP BRANCHES ONLY
COLLECTION (a) On branch transfer transactions and credit
(BRANCH)
balance transfer transactions will be put
SUSP AC
through 98577 CMP Collection (Branch)
Suspense account manually and the details will
be entered in CMP PC.
(b) On branch Transfer Transactions:
Dr Customer
Cr 98577 CMP Collection (Branch) Suspense a/c
(c) Transfer of Credit balance from the Customer
a/c: Same as above. Instead of individual
transactions, the credit balance at the CMP
cut-off time will be transferred to 98577 CMP
Collection (Branch) Suspense a/c
(d) At EOD, the BGL Sweep takes place transferring
the balance to 4266 CMP Centre
Dr 98577 CMP Collection (Branch) Suspense Ac
Cr CMP Core Collection Account at Branch 4266-CMP
Centre
(e) The BGL Sweep will ensure that the balance in
the account is zeroised at EOD.
(f) For detailed procedure, please refer
Annexure-1.
CMP
FOR CMP BRANCHES ONLY
BALANCE
(a) Transfer of Debit balance from customer
TRANSFER
account will be routed through 98578 CMP
AC
Balance Transfer Ac
Dr 98578 CMP Balance Transfer Ac Cr Customer
(b) Instead of individual transactions, the debit
balance at the CMP cut-off time will be
transferred to 98578-CMP Balance Transfer Ac.
(c) At EOD, the BGL Sweep takes place transferring
the balance to 4266 CMP Centre
Dr CMP Core Collection Account at Branch 4266
-CMP Centre
Cr 98578 CMP Balance Transfer Ac
(d) The BGL Pull sweep will ensure that the
balance in the account is zeroised at EOD.
(e) More details on settings for Sweep are given
in Annexure-1.

191

System Suspense BGL Accounts Reconciliation Procedure (Contd.):


Sl
No
21

BGL
No.
98579

BGL Name

Reconciliation Process

CMP LATE
RETURN &
OTHER
DEBITS AC

22

98580

E
COLLECTION
TO BE
ISSUED AC

FOR CMP BRANCHES ONLY


(a) This account is used for handling clearing
cheques, which are returned beyond the
stipulated return discipline & any other
debits.
(b) Late Returns and other debit transactions
will be debited to 98579 - CMP Late Returns
and Other Debits Ac
(c) At EOD, the BGL Sweep takes place
transferring the balance to 4266 CMP Centre
Dr CMP Core Collection Account at Branch
4266-CMP Centre
Cr 98579 CMP Late Returns and Other Debits
Ac
(d) The BGL Pull Sweep will ensure that the
balance in the Sys Susp account is zeroised
at EOD.
(e) More details on settings for Sweep are given
in Annexure-1.
(a) Originating credit is posted by the system
when the transaction is put through using
the Remittance Module Receipt of funds
Dr Customer
Cr 98580 through Remittance Module
(b) On going through the Issue option to issue
the E-Collection the following entry is
generated.
Dr 98580 E-Collection To be Issued Ac
Cr E-Collection Ac at PSG-DAU-BrCd-4430
Thereby zeroising the balance in 98580 Ac
(c) In case balance is found, it means the step
(b) has not been put through.
(d) Enquire the status of transactions and put
through the step (b).

192

System Suspense BGL Accounts Reconciliation Procedure (Contd.):


Sl.
No
23

24

BGL
No.
98581

98582

BGL Name

Reconciliation Process

ATM CASH
DISBURSED
CUST AC NOT
DEBITED

(a) Originating transaction is posted by the system


where ATM has disbursed cash but the
customer account is not debited.
(b) The account is a reconciliation type account
one to- one, originating debit with system
generated reference number.
(c) The branch has to post the following entry:
Dr Customer
Cr 98581 - ATM Cash Disbursed-Cust Ac Not
Debited.
(d) The transactions posted by the system in this
account are given in the report with details
ATM_SUSPENSE_POSTINGS_REPORT_infdll30.txt
The branch may use the report to reverse the
entries.
(e) The outstanding entries in the account are
also available in the daily report

Audit_BGL_accounts_age_wise_break_up_gend
080 5.txt.gz. The reference no. is also
available in this report.
CUST AC
(a) Originating transaction is posted by the system
DEBITED ATM
where Customer account is debited but ATM
CASH NOT
has not disbursed cash.
DISBURSED
(b) It is a reconciliation type account - one-toone, originating credit with system generated
reference no.
(c) The branch has to post the following entry
Dr 98582-Cust Ac Debited-ATM Cash Not
Disbursed
Cr Customer
(d) The transactions posted by the system in this
account are given in the report with details
ATM_SUSPENSE_POSTINGS_REPORT_infdll30.txt
The branch may use the report to reverse the
entries.
(e) The outstanding entries in the account are
also available in the daily report
Audit_BGL_accounts_age_wise_break_up_gend
080 5.txt.gz. The reference no. is also
available in this report.

193

System Suspense BGL Accounts Reconciliation Procedure (Contd.):


SL.
No
25

BGL
No.
98586

BGL Name

Reconciliation Process

INWARD
RETURNS
SUSPENSE AC

26

98587

OUTWARD
RETURNS

27

98588

INWARD
COLLECTIONS
SUSPENSE AC

28

98589

RBI RFS
INTERMEDIATE
AC

29

98593

RTGS
REJECTED
TXNS AC

FOR SERVICE BRANCH ONLY


(a) This account is meant for Service Branches
only.
(b) Other branches should not use this
account.
FOR SERVICE BRANCH ONLY
(a) This account is meant for Service
Branches only.
(b) Other branches should not use this
account.
FOR SERVICE BRANCH ONLY
(a) This account is meant for Service
Branches only.
(b) Other branches should not use this
account.
(a) This intermediate account is used for RBI
Remittance Facility Scheme account.
(b) This account should be made zero by the
end of the day
(a) The RTGS transactions are originated in
two ways.
(i)
R - 41 Customer Payment Request
(ii)
R - 42 Inter-bank Payment Request
(b) R-41 transactions would be by debit to
Cash, Customer Account or BGL
(c) The failed outgoing RTGS transactions (Cash
and BGL), which have been returned on
rejection by the other Bank land in this
account.
(d) In case of failed outgoing RTGS transactions
(Customer accounts), which have been
returned on rejection by the other Bank
are credited directly to the account, which
was earlier debited. This BGL account is
not used in this case.
(e) Incoming R-42 transactions will be credited
to this account only.
The branch should enquire this account and
the RTGS Enquiry during the day and take
corrective measures to zeroise the accounts.

194

System Suspense BGL Accounts Reconciliation Procedure (Contd.):


Sl.
No.
30

BGL
NO.
98598

BGL Name
DRAFT REVERSAL
(SCH-55) SYSTEM
SUSP AC

Reconciliation Process
(a) Please refer to relative chapter under
Remittances for detailed procedure of
using this account.
(b) The outstanding entries in the account
are available in the daily report
Audit_BGL_accounts_age_wise_break_up_ge
nd080 5.txt.gz. The reference no. is also
available in this report.

195

System Suspense BGL Accounts Reconciliation Procedure (Contd.):


31

99512

BATCH
POSTING OLRR

(a) This account is not accessible by branches they


can only view the transaction enquiry.
(b) System will ensure that the totals of all debit
and credit row in the batch are tallied before
allowing Maker to transmit the batch.
(c) During the authorisation of the batch, System
transmits all debits listed in the batch and
after confirmation of successful posting of
debits transmits the credits. System also
ensures that a Credit does not happen if any
one of the debits failed.
(d) If first debit failed system will not pass any
internal entry.
(e) If one or more of the debit posted
successfully but One or more of the debit
failed then system will pass an internal entry
for crediting 99512 BATCH POSTING - OLRR
account with the sum of all posted Debits.
(f) If all debits posted successfully but one or
more of the credit failed then system will
pass any internal entry for crediting 99512 BATCH POSTING OLRR account with the sum
of all failed credits.
(g) Branch has to enquire 99512 - Batch Posting
OLRR account and ensure zeroisation of
account without fail on daily basis.
(h) If any of the transaction in the batch is a
government transaction, then additional
details for the same must be keyed in through
screen number 7055 and ensure that there are
no pending additional details at the end of
the day. Also note that for PPF and SCSS no
additional details are required.
(i) To rectify the pending entries in the failed
batches, retrieve the concerned batch and
rectify the failed rows. No manual entry
needs to be passed.
(j) Branches should rectify the failed batches
and the system will zeroise 99512 - Batch
Posting OLRR account on successful
rectification of failed batches.

196

08.13 Branch Clearing General Account (BCGA) Revamp


08.13.01 Need for the New BCGA Revamp.
In accordance with the recent RBI instructions, Banks have been advised that
while computing Net Demand & Time Liabilities (NDTL), for calculation of CRR/
SLR, the net balance in their IOA be treated as Outside Liabilities and included
in NDTL. To arrive at such balance, internal transactions (either Originating
Debit or transaction between two branches / offices) are to be excluded, so
that only the net credit balance that are in the nature of Outside Liabilities are
included in NDTL.
RBI had also observed that in our Bank TTs are being netted off against
Originating Debits in BCGA as a result of which Outside Liabilities are
understated. As per RBI guidelines, On Balance Sheet, TTs need to be classified
as Bills Payable (like Drafts a/c etc).
Further, we also do not have separate accounts to route customer liability
transactions and internal transactions in IOA and are including net balance in
IOA, if credit, for NDTL calculations.
08.13.02 Difference between DTL and Non-DTL transaction.
Transactions involving customer related Originating Credits (for e.g. SC/STEPS
etc.) and corresponding Responding Debits would be treated as DTL
transactions.
Non-DTL transactions are internal transactions (Non- Customer related) and
some of the example under BCGA would be Annual transfer of Balances, Annual
Closing transactions etc.
08.13.03 Major changes in B@ncs24, consequent to BCGA Revamp.
The major developments that have been done in B@NCS24 are: A. Earlier, Schedule 1 & 2 were selected automatically by the system in
case of TT transactions in the remittance module. Now the Schedules 1 &
2 are made available in all screens where Branch Clearing account is
used. The user has to select the correct branch clearing schedule
depending upon the nature of the transaction (either DTL or Non DTL).

197

Schedule 1 and 2 are made available in all the


screens as the User has to select manually
depending upon the transaction (either DTL or
Non-DTL) and also the corresponding BGL a/c
98605(DTL) or 98611(Non DTL)

B. Similarly, in case of realisation of a Short Collection (SC) and Cheque


Purchase (DDP) transaction, Schedule 4 was automatically selected by
the system. But in the changed process, only DDP realisation will be
reported through Schedule 3-4 and SC realisation should be through
Schedule 1-2 (as it is a DTL transaction).
C. New dropdowns have been provided in DDP/SC realisation screen for
selecting Schedule 2 or Schedule 4 as the case may be.

In SC/DDP realization screen the


User has to select the correct
schedule (either Schedule 2 or
Schedule - 4 as the case may be)

D. Schedule 5-6, which were not available, earlier is now made available
in all the screens to reverse Schedule 1 and Schedule 2. Schedule 5 & 6 is
to be used in case of their mutual reversals too.

198

Schedule 5 / 6 will be used to


reverse Schedule 1,6 / 2,5 made
available in all the screens

08.13.04 Changes due to BCGA Revamp.


Since customer and non-customer entries are to be segregated in Weekly
Statement of Affairs (WSA), two separate BGLs will be used.
The existing BCGA 98611 will be used as BCGA-Non DTL and the new BGL
98605 will be used as BCGA-DTL.
Account
Number
98605+BBBBB+C
98611+BBBBB+C

Description

CGL Account

Branch Clearing 1109 5050 01


General Account
(DTL)
Branch Clearing 1106 5050 02
General Account
(Non-DTL)

Weekly Mapping
Debit Balance: A 41 A
Credit Balance: L 44 A
Debit Balance: A 31 A
Credit Balance: L 33 A

08.13.05 Revised Structure of the Branch Clearing Schedules.


The new structure of BCGA schedules is detailed below:
Customer Related Transaction:
Originating

Responding

Sch.1(Originating
Credit)

Sch.2 (Responding
Debits
for Schedule
1)

Remarks
Sch.1: Used only for originating
credits favoring Customers and
Banks (other than SBI) including
SCs Realised (Cheques & Bills),
PF related credits, etc,

199

Mapped to
BGL
Mapped to
BGL 98605

excluding DDP Realisations


related Transaction
Sch.2: Responding customer
Debits for Schedule 1.
Reversing Schedules:
Sch.5Sch.6(Reversing
(Reversing
Debit for
Credit for
Sch 1 &6)
Sch 2 &5)

Sch.5: Used for reversing Sch.


1.
Sch.6: Used for reversing Sch.2.
Sch.5 & 6 also function as
MUTUAL REVERSING schedules

Mapped to
BGL 98605

Non-Customer Related Transaction:


Originating

Responding

Remarks

Sch.3(Originating
Credit)

Sch.4(Responding
Debit for Sch
3)

Sch.7Originating
Debit

Sch.8Responding
Credit for
Sch. 7

Sch.3: Used for Credits other


than to Customer Accounts,
including DDP Cheques & Bills
Realised, Annual Transfer of
Balance in various accounts,
Transfer Pricing entries,
Transfer of Profit, etc.
Sch.4: Responding non-customer
Debits for Sch 3.
Sch.7: All Originating Debits
Mapped to
(customer related & nonBGL 98611
customer related) are to be put
through this schedule only.
Sch.8: Responding to Schedule 7
Credits

Reversing Schedules:
Sch.10Sch.9(Reversing
(Reversing
Debit for
Credit for
Sch. 3, 8
Sch. 4, 7 &
& 9)
10)

Sch.9: Reversal of debits in


Schedule 4 & 7.
Sch.10: Reversal of credits in
Schedule 3 & 8.
Sch 10 & 9 also function as
MUTUAL REVERSING schedules

200

Mapped to
BGL
Mapped to
BGL 98611

Mapped to
BGL 98611

09

Precautions to be taken by the user in the changed process.

a. The User has to enter correct BGL account numbers for transactions
in DTL or Non-DTL schedules as the case may be.
If the user has selected wrong BGL account number, the following
error message will be displayed 7306: SELECTED SCHEDULE AND DTL/NON-DTL BCG ACCOUNT DO
NOT MATCH.
b. The responsibility to choose the appropriate Originating schedule,
depending on the nature (customer/ Non-customer) of the entry lies
with the USER at the branch.
c. All ORIGINATING DEBITS are to be routed through Schedule 7 of BCGA
only. This would include customer related debits like transfer of loan a/c
of employees, TT Purchases by Banks, Clearing transactions, Annual
Transfer of Balances, Annual Closing Entries, etc.
d. Schedule 9 and 10: While using the reversing schedules 9 or 10, the
other
schedule should not be 10 or 9 respectively. The other
Schedule number should be either 3,4,7 or 8.
While using the reversing schedule 5 or 6 the other schedule should
not be 6 or 5 respectively. The other Schedule Number should be
either 1 or 2.
e. The USER has to respond the Branch Clearing Schedules as per their
Originating Schedules.
10

In CBS, Other critical changes to meet the changed requirements of


Treasury has been in the areas of IBIT account, STEPS account,
RTGS, LOCL etc. where the accounts have been segregated into DTL
/ Non DTL balances at the levels of CGL and Weekly.
(Courtesy : News@Core Issue 23)

201

Annexure - 1
CASH MANAGEMENT PRODUCT:
CARE: Ensure that the CMP Collection Branch (Yes/No) is made YES. Without
this change made by BOG Team in CDC, CMP extract cannot be done and the
branch has to do the data entry in CBS and then in CMP PC.
Follow the instructions given by CMP Centre for necessary changes in CMP PC to
suit CBS requirements. If these are not carried out properly, CBS extract
cannot be uploaded in CMP PC.
The following accounts have been opened in each branch for CMP transactions
98577

CMP COLLECTION (BRANCH) SUSP AC

98578

CMP BALANCE TRANSFER AC

98579

CMP LATE RETURN & OTHER DEBITS AC

The following account has been opened in CMP Centre branch (04266) in
Core for CMP transactions
99620042666
CMP CORE COLLECTION AC
Name of the Account Purpose
CMP Balance Transfer For transferring debit balances only in respect of
Account
customers whose debit balances are to be swept to
CMP
CMP Late return &
For handling clearing cheques which are returned
Other Debits
beyond the stipulated return discipline & any other
Account
debits
On branch transfer transactions and credit balance transfer transactions
will be put through CMP Collection (Branch) Suspense account
(98577bbbbbc,
where bbbbb is 5 digit branch code and c is check digit) in B@ncs-24
manually and the details will be entered in CMP PC.
On branch Transfer
Transactions
Transfer of Credit
balance from the
Customer a/c
Transfer of Debit
balance from
customer account

Debit Customer
Credit CMP Collection (Branch) Suspense a/c
Same as above. Instead of individual transactions,
the credit balance at the CMP cut-off time will be
transferred to CMP Collection (Branch) Suspense a/c
(98577)
Debit CMP Balance Transfer a/c
Credit Customer
Instead of individual transactions, the debit
balance at the CMP cut-off time will be
transferred to CMP Balance Transfer a/c
(98578)

Late Returns and other debit transactions will be debited to 98579 CMP
LATE RETURN & OTHER DEBITS AC

202

Sweep - One Time Activity on the First Day of going Live under CBS Without
Fail Before CMP Transactions are Put Through:
Sweep transactions have to be fixed for transferring the balances in
CMP related branch accounts to CMP Core Collection account. This will be
executed during SOD. There will be no STEPS messages, as it was
happening under BankMaster. If Sweep transactions are not fixed, the
balances will not be accounted for in CMP Centre and will lead to
reconciliation problem. Totally 4 (Four) sweep transactions are to be
fixed and ensure that correct account numbers are input as given in the
table below.
Account No

98577bbbbbc

98577bbbbbc

98578bbbbbc

98579bbbbbc

Sweep Type
Saving Plus
Second
Account
Second
Acct System
Start Date
End Date
Cycle
Threshold
Balance
Resultant
Balance
Max
Accum Sweep
Curr
Accum Sweep
Sweep
Multiple
Priority
Balance Type

Push
No
99620042666

Pull
No
99620042666

Pull
No
99620042666

Pull
No
99620042666

GEN: General GEN: General GEN: General GEN:


Ledger
Ledger
Ledger
General
Ledger
***
***
***
***
Daily
0

Daily
0

Daily
0

Daily
0

0.01
1
1: Cleared
Funds

0.01
1
1: Cleared
Funds

0.01
1
1: Cleared
Funds

0.01
1
1:
Cleared
Funds

***Start Date shall be the 2 nd day of going live under CBS.

Example: If date of migration is 20.02.2005 and First day of live is


21.02.2005, then the Start Day will be 22.02.2005 irrespective whether
22.02.2005 is a holiday for the branch or not.

203

Annexure 2
Accounting entries of CMP DDP Collections BGLs - 98531 / 98532:
During presentations
purchase of
instruments):
For Cheques drawn on
both SBI & Non-SBI
branches
During Mark off:
In the Case of
Paid instruments

Debit DDP Liability A/c (Ref. No.)


Credit CMP DDP-CR Collection A/C
For SBI instruments
Debit Branch Clearing General A/c (Schedule 4)
Destination Branch (Ref No)
Credit DDP Liability a/c (Ref No.)
For NON_SBI instruments
Debit Parking Suspense a/c (Realised) (Ref No)
Debit CMP DDP-DR Collection A/C $$
Credit DDP Liability A/c (Ref No)

In case of instruments
Returned unpaid

For SBI Instruments


Debit CMP DDP-DR Coll. A/C (Full DDP
Amt)
Debit CMP DDP-DR Coll. A/C (Interest
Amt)
Credit DDP Liability a/c (Ref No)
Credit Interest a/c at the branch
For Non-SBI instruments
Debit CMP DDP-DR Coll. A/C (Full DDP Amount)
Debit CMP DDP-DR Coll. A/C $$
Debit CMP DDP-DR Coll. A/C (Interest amount)

Credit DDP Liability A/C (Full amount)


Credit P&T/Charges at the branch
Credit Interest a/c Interest amount)
Ref. No. - Unique ID generated from the DDP module
$$ Collecting Banker's Charges recovered by other banks to be recovered
from the customer's a/c in Pooling branches
** 'P&T Charges
concerned.

A/C'

and

'Interest

A/C'

of

the

branch

** 'Parking Suspense A/c' can be the branch System Suspense A/c (Others)
The balance in these accounts will be swept to 99620042666 (CMP Core
Collection a/c) during SOD of the next day. These sweep transactions will be
fixed by CMP branches on the first day of going live under CBS.

204