a. Bancs 4.0 Training Manual for HL - HE Product b. Circular No c. Circular No d. Circular No e. Circular No - 420

Bancs 4.0 Functionality for HL - HE Product  Customer Creation  New validations are added for data Quality.  Contract Booking -  Screen simplification.  Builder Subvention for HL - HE partly disburse cases.  Part pre payment of HL HE and auto regeneration of repay schedule.  New field Customer name is added for Co-borrowers and Guarantors.  New field 'Linked Account' is added on screen  New field grace Days is available for HL – HE Products.  CERSAI Charges and MOE Charges are introduced for HL HE under company code 1 and 2.

New validations in system for data quality Mobile Number - validation is built for the mobile number if user enter less or more than 10 digits number, then system will throw an error message “ Mobile No length should be 10”. And user will have to enter 10 digits mobile number. If there is prefix number or ISD number in mobile number user will enter that number in ISD field.

1. User should enter 10 digit mobile number and correct mobile Number If less than or more than 10 digits mobile number is entered then user will get the error message.

1. User should enter 10 digit mobile number and correct mobile Number If less than or more than 10 digits mobile number is entered then user will get the error message.

PAN Card - validation is built for PAN No. The length of PAN No. will be 10. The first 5 characters of PAN No. will be alphabets, next 4 will be numbers and the last character will be alphabet. 4th character represents the category of the customer i.e. P - represents Individual Customer, (For Personal Customers, it will be always 'P) C - represents Company, (For Corporate Customers, it would be ‘C‘) T - represents Trust, (For Customer type is Trust, it would be ‘T‘) H - represents HUF, (For Customer type is HUF, it would be ‘H‘) System will not allow any special characters in Pan number field ie,. “No spaces, characters like

1. If user enter incorrect Pan ID User will get the error message to enter proper format in Pan ID

If user will select personal customer type and enter the Pan ID of corporate customer user will get the given error Fourth letter should be “P”

If user will select Non personal customer type and enter the Pan ID of Personal customer user will get the given error Fourth letter should be “C”

Date of Birth - A validation is built in system if user enter the DOB of customer less than 18 or greater than 70', then A pop up or error message will be given as the” CUSTOMER AGE CANT BE LESS THAN 18 OR GREATER THAN 70”.

Select date of birth.

If user enter the DOB of customer whose age is less than 17 or greater than 70 system will give the error message

First ID Type - Validation of uniqueness for all first ID Types (Driving License/ Aadhar card UID/ Voter's card)- if a customer with same ID type existing in system then system will not allow to enter that duplicate ID for other customer.

First ID number which is entered for a customer and if same ID is already entered for existing then system will given the error message

Contract Booking screen Changes

1. Fields on screens are made LOB specific. when user will select LOB as HL-HE then fields related to company HL- HE for company code 1 and 2 will be auto- populated other wise it will not be available.

Fields which were on miscellaneous 1 and 2 tab are moved to core option screen, hence user will have to enter all the in core option screen and will not have to go other Tabs Application No field is mandatory for HL- HE Products user will have to enter the form application of customer in this field and it will flow from LOS to LMS for settlement case

1. Field is move from insurance tab to main tab and for non vehicle products the default value will be NOT applicable 2. For vehicle product user will have to select the value from drop down

The default value for Non vehicle products will be insurance not required and for vehicle products user will have to select the drop down.

The default value 3 will be auto-populated, user will not have to enter 3 while contract creation in loan tracking menu User will only have to click on transmit button

The default value will be blank for HL- HE products for other products the default value will be NO FEES.

Repayment schedule screen will come after repayment creation user should check the generated repayment schedule and if incorrect repayment schedule is generated user can regenerate the repayment schedule

1. On click of transmit button on disbursement screen user will get the error message 2. Then user should mandatorily click on view disbursement details button to view the details of contract

User need to check all the details of the contract and click on save button once the details are checked user will be able to disburse the contract.

User( Checker) need to check all the details of the contract through menu mention in the error message and then authorize the queue.

Builder Subvention for HL - HE partly disburse cases.

 In Home Loan and Home Equity for builder subvention case, two new fields are added on contract creation screen.  The fields are- Adv Int Amt. BPI AdvInt flag.  Adv Int Amt field is a mandatory field.  If there is No Advance Int amount user should enter 0 in the field, and BPI AdvInt flag will appear disabled (grayed out).  In Adv Int Amt field user has to enter the subvention amount of the builder.  User will have to select BPI AdvInt flag as ‘YES’ or ‘No’  If BPI is to be deducted from Adv Int amt then user should select BPI AdvInt flag as ‘YES’.  If BPI is not to be deducted from Adv Int amt then user should select BPI AdvInt flag as ‘NO’.

1. Enter Subvention amount 2. Select BPI AdvInt flag as ‘yes’ or ‘No ’ 3. After entering all the details click on Transmit button User should follow normal booking process and on repayment schedule creation screen enter principal start month.

Once user had enter all the details of contract user will follow the same steps of booking the contract, Then on Repayment schedule creation screen user had to enter the principal start month, 1. Enter Principal start month 2. Click on Transmit button

 Then user should continue with the normal booking process, once the loan tracking menu is completed user has to follow the given steps(menu) to pass RO advance Interest amt entry.  Release Order Txns  RO Release Order  Txns RO Other Adjustments.

1. Select option:6 Adjustment to Adv Int BGL 2. Click on Transmit button

1. User will have to Click on Transmit button on this screen

After completing all the steps during disbursement - On disbursement screen the value of actual disbursement amount will the (Application amount – advance Int amount) ie., ( for eg – if application amount is and Adv Int amount (subvention amount ) is then the disbursement amount on the disbursement screen will be = ). Then user can do the first tranche disbursement.

Second Tranche disbursement For second tranche if user had to enter the additional subvention amount user has to follow the given steps – Go to contract tracking  operations select existing account and enter contract no on the screen.

1. In loan tracking menu enter 1: maintenance. 2. Click on transmit button

1. Enter 7: Account creation option 2. Click on transmit button

1. Enter 15: Amend Builder subvention 2. Click on transmit button

User will get amend builder subvention screen where, in Additional subvention amount field user can enter the additional subvention amount

1. Enter additional subvention amount 2. Click on transmit button 3. On Click of transmit button queue will be generated

Checker will select the queue to authorize the queue Click on check button On Click of check button OK message will be displayed

 Once the queue is authorized user will have to pass RO other Adjustment entry – from the given menu  Release Order Txns  RO Release Order  Txns RO Other Adjustments.

1. Select option:6 Adjustment to Adv Int BGL 2. Click on Transmit button

1. Click on Transmit button 2. On Click of Transmit button OK message will be displayed

Then after the subvention entry is passed user can do the second tranche disbursement.

Part pre payment of HL HE and auto regeneration of repay schedule

New value part repayment is added in drop down of Purpose of collection field for OTC bankable and Non- Bankable through Cash, DD and Cheque for HL – HE products. If user is doing the part pre payment for HL – HE contract user will have to follow the given steps. For OTC bankable entry and Non bankable entry user will have to go to the OTC repayment screen and select part repayment from purpose of collection field. Once user will select the part repayment from purpose of collection field, a new field regeneration basis will appear which consist of two values fixed Emi and Fixed Tenure. Regeneration basis field is a mandatory field, if user will not select the value from the field user will not be able to do OTC repayment for the contract. User will have to select the required regeneration basis, fixed tenure and fixed Emi and On Click of transmit button user will be able to do the part pre payment in the contract.

OTC Bankable screen User will have to follow the given menu and user will get this screen

Select part Repayment Select Regeneration basis as fixed Tenure or fixed EMI

OTC NON – Bankable screen User will have to follow the given menu and user will get this screen 1 2 3

Select Part Repayment Select Regeneration basis as fixed Tenure or fixed EMI

A New field Customer name is added for Co-borrowers and Guarantors

A new non- editable’ field CUSTOMER NAME’ is added beside the Guarantors / Co Borrowers CIF field on the screen SCR : BOR:CUSTOMER SALES EXECUTIVE DETAILS / RELATIONSHIP CAPTURE) in loan tracking menu.

1. Select Co- Borrower OR Guarantor 2. Enter Co- Borrower OR Guarantor CIF 3. User should mandatorily Click on Fetch Customer details

1. On click of fetch customer details customer name will be auto populated. 2.Click on transmit button.

A new field 'Linked Account' is added on screen A new field 'Linked Account' is added on screen This field is mandatory whenever user selects the Process Type as 'Top up' from the drop down. The value captured in 'Linked Account' field will flow to 'Linked Account 1' field on the RO capture screen (12424). All existing top up related functionalities will be same. Only for linking the Top – Up contract and old contract user will not have to go to relationship menu. Now for Top- Up contract and for linking of top up contract user will have to follow the given steps during top up contract booking -

1.Select process type as top up 2. In linked account field user will enter / search the old contract Number 3.Click on transmit button. Then user will have to do adjustment entry of old contract to top – Up contract from RO screen

A new field for ‘Nominee Name’ is added on Additional loan detail screen(17048).

On additional loan details screen 17048, under the Credit Shield/Motor Insurance tab, a new field “Nominee Name” is added. For credit Life Insurance cases, user will have to mandatorily capture Nominee details of the customer. Once the Insured Person Name” or “Insured Person CIF is taken, the 3 fields will be mandatory and user will have to input the name of nominee, Date of birth of nominee and relationship of nominee. To capture the Nominee details user will have to follow the given steps.

1. Enter the premium amount 2. Enter the Admin fee 3. Search insured person CIF Once insured Person CIF is captured the Nominee fields will be mandatory

1. Enter the Nominee Name 2. Enter date of birth of nominee 3. Select relationship of nominee 4. Click on transmit Button

A new field grace Days is available for HL – HE Products

A new field grace day is added for HL- HE Products on the screen By default system will auto populate grace period as 0. This field will be user input and is a mandatory field with value up to 2 numeric digits. User will have to enter the grace days in grace period field if in the contract grace days request is given. If Grace days are entered in the Contract, then the system will allow to do the branch disbursement, but HO authorization will happen after the Grace period. Contract will appear in Ho queue post grace days. If Branch authorization is done on 1 st and Grace Days are entered as 7, then, it will appear in the HO authorization queue on 8 th, whether 8 th is a working day, week end or a holiday. Grace period cannot be after the first due date (EMI)/Pre EMI.

1. By default value of grace days will be zero, user will enter no of grace days they require

Two New Charges (CERSAI Charges and MOE Charges) are introduced for HL HE under company code 1 and 2.

Two New Charges (CERSAI Charges and Memorandum of Entry (MOE) Charges are introduced for HL HE under company code 1 and 2 CERSAI charges is to be mandatorily collected before disbursement. System will not allow the disbursement in case it is not collected. MOE charges is non mandatory it will only be collected for the contracts in which MOE charges is to be taken. System provides the user an option to waive the CERSAI charges and MOE charges, if required user can give wavier for CERSAI and MOE charges. The CERSAI charges of Rs. 250 will be charged at the time of Cancellation as well as Termination. User will have to follow given steps for collecting MOE and CERSAI charges

1 2 User will have to follow the given menu and user will get this screen

1. Enter the contract Number 2. Enter CERSAI charge amount 3. Select CERSAI charges 4. Click on Transmit button

1. Enter the contract Number 2. Enter the charge amount 3. If CERSAI Waiver approval is given the user will select the CERSAI Waiver 4. Click on Transmit button

1. Enter the contract Number 2. Enter MOE charge amount 3.Select MOE charges 4. Click on Transmit button

1. Enter the contract Number 2. Enter the charge amount 3.If MOE Waiver approval is given then user will select the MOE Waiver 4. Click on Transmit button

Circular No - 416

Circular No- 417

Circular No - 419

Circular No - 420

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