1. INDUSTRY INTERNSHIP PROGRAMME
COMPANY GUIDE FACULTY GUIDE
MR. MALAYA KUMAR SAHOO MR. SANJAY SINHA
ASSISTANT GENERAL MANAGER
HEAD OF DEPARTMENT
ITM, BUSINESS SCHOOL
AGM, IDBI BANK
MR. RANESH SARKAR
CHIEF MANAGER

2. OBJECTIVE AND
SIGNIFICANCE OF THE STUDY
 Understanding for selection of customers and providing financial
facilities as per their requirement.
 To perceive the meaning of fund Base Facility.
 To understand the meaning of working capital and working
capital cycle.
 To visualize the significance of CC/OD and term loan.
 Understanding the assessment of Cash credit, overdraft and term
loan facilities.
 Understanding the procedure of sanction, disbursement,
monitoring and recovery of loans.

3. FUND BASE LOAN FOR MICRO &
SMALL ENTERPRISES
FACILITIES BY BANK
WORKING CAPITAL TERM LOAN
FUND BASED NON FUND BASED
Cash Credit
Overdraft Letter of Credit
Bank Guarantee

4. CASH CREDIT/ OVER DRAFT
 REQUIREMENTS
 ASSESMENT
Cash credit loan:-This kind of fund based working capital
facility is provided to traders/manufacturers & the like.
Bank has focus for extending cash credit facility to small
& medium size enterprises.
Purpose : working Capital requirements /
Additional stock
purchase / Repayment of trade
condition
Eligibility : Small traders/ Manufacturers /
Partnership firms / companies
Margin :
Minimum 25% of net inventory
and book debts *
Security :
Closing Stock, Debtors,
Movable/Immovable Properties
Repayment :
Maximum period upto 12
months on renewable basis.
TURNOVER METHOD
Estimated Sale : A
25% of A : B
5% of B (margin) : C
NWC (CA-CL) : D
Bank borrowing : B- C/D
{Whichever is higher}

5. INITIAL SCRUTINY
Visit Report
KYC
Checklist Sl. No Documents
1 Loan Application Form
2 Audited Balance Sheet For 3 Years
3 Brief background of firm/company and promoters.
4 Marketing arrangement
5 Provisional balance sheet/Current Year Estimate/Next Years Projections
6 CMA Forms Duly Filled (Soft And Hard) With Justification For Holding Levels
7 Cash Flow (If Applicable)
8 Project Report/Viability Report (If Applicable, normally TL)
9 Guarantors Consent Forms with Networth Proof
10 Entity and residential address proof.
11 Age wise Debtors /Creditors Statement
12 sales till date of the concern
13 Audited Balance Sheet of Group Accounts (If Applicable)
14 Rent Agreement
15 Current Order Position/Invoice
16 BG Details (value to be bid) and LC Details (Purchase under LC)
17 MOA/AA/Partnership Deed/Others
18 Form 32 in case of retirement/introduction of directors
19 Board resolution
20 Latest Shareholding level
21 Confirmation that there are no changes In Constitution/Partnership Deed
22 Registration Certificate For SSI/MSI
23 KYC Form
24 IT/Wealth Tax Returns of the Applicant/Directors/Partners/Guarantors
25 Sales Tax Assessment Order of the firm, if applicable Form 17 – A
26 Details of collateral
27 Name of 5 customers and 5 suppliers with contact person and contact No.
28 ISO certificate, Dealership certificate etc.
29 List of Machinery if the same is offered as security

6. PRESANCTION ACTIVITY
Valuation Report
Search Report
Credit monitoring Arrangement
Business Report ( RISK AND SCORE)
DANMSE Product-Property Power
M/s Bhawani Cement Pipe Industries
Branch: Urla Industrial Area (1216)
1. Borrower's Profile
Reference No.
(LATS)
12162803140012 Date: 28-03-2014
Relationship Officer Ms. Monalisha Mahapatra (Asset Officer)
Branch Manager Mr. Susheel B. Soni
Name of the Borrower M/s Bhawani Cement Pipe Industries [BCP I]
Address with
Telephone no
Registered Address Correspondence Address
M/s Bhawani Cement Pipe
Industries
village- Deori, Block - Dharsiwa,
Dist-Raipur, Chhattisgarh, pin-
493221
M/s Bhawani Cement Pipe Industries
village- Deori, Block -Dharsiwa,Dist-
Raipur, Chhattisgarh, pin -493221
Constitution Proprietorship Date of incorporation/
Establishment
05-02-2008 as per Commercial
Tax Registration Certificate.
Contact Person with
Tel/Mo:/e-mail id
Shri Bharat Lal Agrawal
Ph-9425507207
Line of Activity Manufacturing of cement pipes & RCC Fencing P oles
BSR CODE 26903-Manufacture of articles of
concrete, cement and plaster
including asbestos cement and its
products, hume pipes etc.
PSL/Non-PSL: PS L (Micro
Manufacturing)
2. Present Proposal
(Give here limit requested by borrower along with purpose of the same)
BCP I is manufacturer of cement pipes and RCC fencing poles. Presentl y firm is enjoying CC limit of
Rs.6.95 lakh from PNB since year 2007.
The customer has requested us an overdraft limit amounting to Rs.25.00 Lakh for pa yment of its existing
unsecured loans, which have been taken for business purpose. Fund will also be utilised for working capital
assistance.
P ar amet er Valu e S c o r e Al l ote d Score
Mi c ro E nterpri s es 5
Sma l l E nterpri s es 4
Medi um E nterpi rs es 2
>=5 yea rs 5
>=3 yea rs < 5 yea rs 4
>=2 yea r<3 yea rs 3
>1 yea r<2 yea rs 2
<1 yea r 0
> = 5 yea rs 5
>=3 yea r but l es s tha n 5 yea rs 3
>=1 yea r but l es s tha n 3 yea rs 2
< 1 yea r 0
3rd g enera ti on & more 5
2nd g enra ti on 3
Is t g enera ti on 1
36-50 5
50-65 4
22-35, 3
>65 0
To t al S c o r e 25 21
36 Months a nd a bove 5
24 months a nd < 36 months 4
12 months a nd < 24 months 3
6 Months a nd < 12 months 2
< 6 month or No rel a ti ons hi p wi th us 0
>=24Month 5
>6 month <24 Month 3
<6 month 0
>750 5
> 660 upto 750 4
(-)1, between 600-660 3
1-5 2
<600 0
1-2% 5
More tha n 2% a nd l es s tha n 5% 3
More tha n 5% 0
>=60% of s a l es 5
>=40% a nd <50% of s a l es 4
>=30% a nd <40% of s a l es 3
<30% of s a l es 0
To t al S c o r e 25 20
>=20% 10
>=10% a nd <20% 5
>=5% a nd <10% 3
Growth upto 5% 2
No g rowth 0
>=15% 5
>=5% a nd <15% 3
<5% or no g rowth 0
<=4 10
> 4 to 5 5
> 5 to 6 3
5
5
Gea ri ng ra ti o
(T O L /T NW)
10
Avera g e Growth i n C a s h Profi t for l a s t 3
yea rs @ 5
C redi t Summa ti on i n the l a s t 12 months
5
Fi na nc i a l s C ri teri a
Avera g e Growth i n s a l es for l a s t 3 yea rs @
E xi s ti ng rel a ti ons hi p wi th us wi th s a ti s fa c tory
tra c k rec ord
0
B a nki ng ba hvi our wi th other ba nk wi th
s a ti s fa c tory tra c k rec ord 5
Inwa rd/O utwa rd c heque return (duri ng l a s t
12 monthhs , out of tota l C heque tra ns a c ti on)
5
G e ne ral Cri te ri a
Scor i ng mode l for Pr ope r t y Powe r t o be us e d for cas e s upt o R s 2 0 0 Lakhs
E nti ty c l a s s i fi c a ti on
Fa mi l y i n B us i nes s
1
Ag e of the Propri etor/Ma na g i ng
Pa rtner(Seni or mos t of the pa rtners )/Ma i n
Promotor
5
No of yea rs i n C urrrent B us i nes s
5
C onti nui ty of the B us i nes s a t the s a me
l oc a ti on
5
C IB IL s c ore of the borrower/Fi rm (Key
pers on/promoter)
5
Conduct Cri te ri a

7. ANALYSIS
Projections
Financial Analysis
Ratio Analysis
Na me of the Compa ny :
2009-10 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16 2009-17 Ye ar 9 Ye ar 10 Ye ar 11 Ye ar 12 Ye ar 13 Ye ar 14
Audite d Audite d Audite d Es tim ate d Pr oje ctions Pr oje ctions Pr oje ctions Pr oje ctions Pr oje ctions Pr oje ctions Pr oje ctions Pr oje ctions Pr oje ctions Pr oje ctions
SALES:
1. Domestic Sales 328.89 2,600.00 2,990.00 3,438.50 3,954.28 4,547.42 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2. Export Sales 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
GROSS SALES: 328.89 2,600.00 2,990.00 3,438.50 3,954.28 4,547.42 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Le s s : Excise Duty / Sales Tax 0.71 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Add: Other Operating Income 0.00 200.00 230.00 264.50 304.18 349.80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NET SALES: 328.18 2,800.00 3,220.00 3,703.00 4,258.45 4,897.22 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Incr e as e in Ne t Sale s (%) 753.20% 15.00% 15.00% 15.00% 15.00% -100.00% #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0!
COST OF SALES:
1. Raw M ate r ials 301.19 2,400.00 2,725.00 3,098.75 3,563.56 4,098.10 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
A . Imported 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
B. Indigenous 301.19 2,400.00 2,725.00 3,098.75 3,563.56 4,098.10 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2. Othe r Spar e s 4.96 25.00 31.75 35.01 40.26 46.30 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
A . Imported 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
B. Indigenous 4.96 25.00 31.75 35.01 40.26 46.30 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3. Pow er & Fuel 1.11 12.00 16.80 19.32 22.22 25.55 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4. Direct Labour 1.46 60.00 69.00 75.35 86.65 99.65 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5. Other Manuf acturing Expenses 2.22 4.67 5.37 6.18 7.10 8.17 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6. Depreciation / A mortisation 13.22 33.74 33.74 33.74 33.74 33.74 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7. Repairs & Maintenance 0.00 19.63 22.57 24.96 28.70 33.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8 Packing Material / Transportation 0.00 49.08 58.44 61.21 70.39 80.95 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
9 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
SUB TOTAL: 324.17 2,604.12 2,962.68 3,354.52 3,852.63 4,425.47 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Add: Opening Stock in Process 0.00 0.00 36.50 44.96 52.34 59.43 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Le s s : Closing Stock in Process 0.00 36.50 44.96 52.34 59.43 67.12 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
COST OF PRODUCTION: 324.17 2,567.62 2,954.22 3,347.14 3,845.54 4,417.78 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
COP as % of Gr os s Sale s 98.57% 98.75% 98.80% 97.34% 97.25% 97.15% #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0!
Add: Opening Stock of Finished Goods 0.00 3.52 146.29 311.43 392.85 467.15 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Le s s : Closing Stock of Finished Goods 3.52 146.29 311.43 392.85 467.15 531.76 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
COST OF SALES: 320.65 2,424.85 2,789.08 3,265.72 3,771.25 4,353.16 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Cos t of Sale s as % of Gr os s Sale s 97.49% 93.26% 93.28% 94.98% 95.37% 95.73% #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0!
Selling, General & A dmn. Expenses 3.37 123.49 135.84 142.63 149.76 157.25 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PROFIT BEFORE INTT. & TAX (PBIT) 4.16 251.66 295.08 294.65 337.44 386.81 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PBIT as % of Gr os s Sale s 1.26% 9.68% 9.87% 8.57% 8.53% 8.51% #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0!
Interest & Other Financial Charges 3.17 103.00 123.00 102.00 90.08 78.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Intt. & Fin. Char ge s as % of Sale s 0.96% 3.96% 4.11% 2.97% 2.28% 1.74% #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0!
OP. PROFIT BEFORE TAX (OPBT) 0.99 148.66 172.08 192.65 247.36 307.88 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
OPBT as % of Gr os s Sale s 0.30% 5.72% 5.76% 5.60% 6.26% 6.77% #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0!
Add: Other Non-operative Income
1. Interest & Dividend 0.42 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2. Exchange Prof it / Export Incentives 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3. Excess Provision Written Back 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4. Prof it on Sale of A ssets 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5. Sale of Scrap / other misc income 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
SUB-TOTAL (INCOM E) 0.42 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Le s s : Other Non-operating Expenses
1. Loss on Investment 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2. Loss on Forex 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3. Loss on Sale of Fixed A ssets 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4. Bad Debts Written Of f 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5. Miscellaneous Expenses Written Of f 0.46 4.15 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
SUB-TOTAL (EXPENSES) 0.46 4.15 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PROFIT BEFORE TAX / LOSS 0.95 144.51 172.08 192.65 247.36 307.88 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Tax Paid 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Def erred Tax Liability/(Def f ered Tax A sset) 11.82 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Provision f or Taxes 0.14 43.35 51.63 57.80 74.21 92.36 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NET PROFIT / LOSS (PAT) -11.02 101.16 120.46 134.86 173.15 215.51 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PAT as % of Gr os s Sale s -3.35% 3.89% 4.03% 3.92% 4.38% 4.74% #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0!
Equity / Pr e fe r e nce Divide nd Paid:
1. Equity Dividend 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2. Pref erence Dividend 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
RETAINED PROFIT -11.02 101.16 120.46 134.86 173.15 215.51 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Na me of the Compa ny :
2009-10 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16 2009-17 Ye ar 9 Ye ar 10 Ye ar 11 Ye ar 12 Ye ar 13 Ye ar 14
Audite d Audite d Audite d Es tim ate d Pr oje ctions Pr oje ctions Pr oje ctions Pr oje ctions Pr oje ctions Pr oje ctions Pr oje ctions Pr oje ctions Pr oje ctions Pr oje ctions
CURRENT LIABILITIES (CL):
Short Term borrow ings f rom banks (including bill
purchased/discounted)
1. f rom applicant bank 403.18 400.00 500.00 550.00 550.00 550.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2. f rom other banks 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(Out of Total Bank Borrow ings - BP & BD) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
SUB-TOTAL 403.18 400.00 500.00 550.00 550.00 550.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
1. Short Term Borrow ings f rom others incl. CPs 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2. Sundry Creditors (Trade) 78.89 14.00 15.90 18.08 20.79 23.91 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3. A dvance Payment f rom Customers / Deposit f rom Dealers 22.29 0.00 20.00 46.31 66.14 85.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4. Provision f or Taxation 0.14 43.35 51.63 57.80 74.21 92.36 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5. Dividend payable 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6. Other Stat.Liabilities (due w ithin 1 yr.) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7. Instalments of TLs / Debentures / Pref .Shares / DPGs /
Deposits / Unsecured Loans etc. (due w ithin 1 yr.)
0.00 99.00 99.00 99.00 99.00 16.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8. Other CL & Provisions (due w ithin one year) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
9. Interest accrued bot not due 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
10. Dues to Directors 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(Rupe e s in Lak h)
(Rupe e s in Lak h)
II. BALANCE SHEET - LIABILITIES
I. OPERATING STATEMENT (To be f illed by the Dealing Group f rom Balance Sheet / Projections)
II. LIABILITIES (To be f illed by the Dealing Group f rom Balance Sheet / Projections)
I. PROFIT AND LOSS ACCOUNT
M/s Shre e Pre Fa b Sre e ls Priva te Limite d
M/s Shre e Pre Fa b Sre e ls Priva te Limite d
CRITERIA TERM LOAN WORKING CAPITAL
FACILITY
PROMOTERS
CONTRIBUTION
MINIMUM 25%
AND 30%
ADEQUATE MARGIN
INTEREST
COVERAGE
RATIO
MINIMUM 1.5 MINIMUM 1.5
DSCR ( project) AVERAGE 1.5 AND
EACH YEAR MIN 1.1
NOT APPLICABEL
LEVERAGE LONG TERM DEBT TO
EQUITY RATIO ( DER)
OF MAX 3:1 FOR
INFRASTRUCTURE
AND 2.5:1
TOL/TNWOF MAX 3.5
CURRENT
RATIO
MINIMUM 1.10 MINIMUM 1.10

8. POST SANCTION
LETTER OF INDENT ( Sanction
Document)
Terms and Conditions

9. DOCUMENTATION
LOAN DOCUMENTATION
1. Hypothecation agreement.
2. Facility agreement
3. Guarantors agreement
4. Demand promissory note

10. DOCUMENTATION
MORTGAGE DOCUMENTATION
1. EQUITABLE MORTGAGE
2. REGISTERED MORTGAGE
3. DECLARATION AND UNDERTAKING
4. MEMORANDUM OF ENTRY

11. SECURITY AND CHARGE
 PRIMARY SECURITY
 SECONDARY SECURITY
 THIRD PARTY GUARANTEE
CHARGE
 FIRST AND EXCLUSIVE CHARGE
 SECOND AND EXCLUSIVE
 PARI PASSU

12. CALCULATIONS
DRAWING POWER
ACCOUNT MONITORING
REGULAR STOCK STATEMENT
CALCULATION FOR DP
STOCK (RAW MATERIAL + STOCK IN
PROGRESS+ FINISHED GOOD STOCK) =
TOTAL STOCK
SUBTRACT
SUNDRY CREDITORS
=
CHARGEABLE STOCK
SUBTRACT
MARGIN (25% OF CHARGEABLE STOCK)
=
DP1

13. BANK OPERARTIONS
DEPOSITE ACCOUNTS
TIME DEPOSITE
REMITTANCES

14. MAJOR ACTIVITIES
 REVIEWING ALLACCOUNT
 REVIEWING OF LAD
 BULK NEFT
 FINACIAL INCLUSION ACCOUNTS

15. FINNACLE OPERARTION
 FINNACLE Version 7.0.25 Various menu and options on finnacle version 7.0.25
CUMM : To create Customer ID, details of customer
a. To create new customer , master Function [A]
b. To modify existing customer details, Function [M]
c. To enquire particular customer details, Function [I]
1. OAAC: To open an account (Saving account)
- Customer Id
- Scheme code -> F4
- General Details [G] -> F4
- Interest Details [I] -> F4
- Scheme details [S] -> F4
- Nomination details [N] -> F4
- F10...........
2. TM: Transaction maintenance For ( Receipt, Payment and transfer)
Functions: - [A] ADD
- [D] DELETE
- [M] MODIFY
- [C] COPY
CASH RECEIPT: C/NR
CASH PAYMENT: C/NP
TRANSFER : T/CI
3. ACM: Customer account maintenance offer modification and enquiry of customers who’s
accounts are already opened
Functions: - [I] Enquiry
- [M] modify
4. SCEME CODE:
Functions: TD 113 (RD a/c)
TD101 (FDR, 1 year or above)
TD108 (FDR, less than a year)
5. ACLI: For balance enquiry
6. PBP: Pass book print
Put Account number, date ( F2 list of date wise transaction)
SHIFT F4 to select particular date .

16. THANKS