FAQ – AGENTS MODULE

FAQ – AGENTS MODULE

1.       Non migration of agents and Creation of new agent ID in finacle and getting ebanking reference number

Solution: As per migration logic, agents who were not linked with SB account number will not be migrated. Agent IDs (DSA ID – Direct Selling Agent) to be created in Finacle and the DSA ID to be sent to fsihelpdesk for creation of eBanking Reference number. Newly created DSA ID should not have (.) Dots and Spaces.

2.       Creation of MPKBY/SAS/PRS agents in finacle

Solution : Login  as Operator, Invoke HDSAMM menu. Click on Function Add. Enter the mandatory details. Select the appropriate Agent Type (MPB or SAS or PRS) by expanding the TAB. Agent Authority number to be captured in License No. free field.

Click on Product Tab – Select the appropriate scheme code from the searcher. Payment Frequency – D – Daily, Holiday, Next Day (No other options should be selected) Pay Commission should be Yes, select the appropriate subvention rev credit placeholder account number, Next Commission Date – Any date after migration date. 20 products should be linked to SAS Agent type, 1 product to MPB and 2 products to PRS agents). Supervisor to invoke HDSAMM menu to verify the newly created DSA ID.

3.       Creation of Agent ID from existing DSA

Solution: Invoke HDSAMM menu, select the function COPY, select the appropriate SOURCE DSA ID from where the entire details to be copied, Target DSA ID to be entered by the operator. The DSA ID should not contain (.) Dots and Spaces. New DSA ID will be created along with Product Details. Operator to modify the agent name, address, commission id, license expiry date, set id. No changes to be done in Product Tab. Supervisor to verify the newly created agent. By using this option new Agent can be created within few minutes.

4.       Invalid Payment Frequency error while creating new Agent ID

Solution: While creating agent id, select appropriate payment frequency in Product Tab. Payment frequency should be D-Daily, If Holiday – Next Day) No other option should be selected.

5.       Procedure to link RD accounts to new created DSA ID

Solution: Counter PA to invoke the menu CRDACM. Select the radio button Agent in the Agent/Employee Code field. Enter the newly created DSA ID in the appropriate field. Click on Submit. Supervisor to invoke CRDACM and verify the RD account which was linked with agent code.

6.       Posting of other office AGENT LIST

Description:

Nagpur - While working on RD counter today i wrongly post the agent lot having lot no-C 42453, Amt.2000 /-(Two thousand only) in Sol id of Allahabad Ho & Agent ID is MIG007088 in name of Smt. Kamini shandilya 2. but lot amount Rs.2000/- show in my cash position (HARI2612) .Hence 2000/- show excess in my today cash position of finacle system. Also this lot shows in Allahabad HO Agent Report today dtd.15.03.2014 .report & screen shot is attached here with email.

Solution: In HAGTXP menu, Operator to select the eBanking Reference number from the searcher instead of entering the eBanking reference number to avoid wrong entry.

7.       No commission is credited for MPKBY/SAS for new accounts opened

Solution:

a.       Funding should be done during account opening itself for accounts opened through agents compulsorily. If funding is done subsequently agent commission will not be credited.

b.      If funding done during account opening and still commission not credit, check whether the PAY COMMISSION field is selected as “YES” in HDSAMM menu – Product Tab.

8.       PRSS agent is credited 4% commission like MPKBY agent

Solution: Check the agent type in HDSAMM menu. Appropriate agent type should be selected

9.       PRSS agent is also deducted Tax

Solution: Invoke HDSAMM menu and check whether the TAX CODE field is selected as NO TAX for PRSS agents. For other agent type TAX CODE should be TDSAG compulsorily

10.   Tax is not deducted for MPKBY agents

Solution: Invoke HDSAMM menu and check whether the TAX CODE field is selected as TDSAG for MPKBY agents.

11.   Agent name is not visible while opening MIS/NSC/SCSS/RD accounts

Solution: Ensure that appropriate products are added to appropriate agent type. For SAS Agent type 20 products viz

SAS AGENT TYPES – PRODUCTS TO BE LINKED

NSC81 – NSC VIII Issue Rs. 100/- denomination

 NSC82 – NSC VIII Issue Rs. 500/- denomination

NSC83 – NSC VIII Issue Rs. 1000/- denomination

NSC84 – NSC VIII Issue Rs. 5000/- denomination

NSC85 – NSC VIII Issue Rs. 10000/- denomination

NSC91 – NSC IX Issue Rs. 100/- denomination

 NSC92 – NSC IX Issue Rs. 500/- denomination

NSC93 – NSC IX Issue Rs. 1000/- denomination

NSC94 – NSC IX Issue Rs. 5000/- denomination

NSC95 – NSC IX Issue Rs. 10000/- denomination

MISN1 – Monthly Income Scheme

SCSCM – Senior Citizen Savings Scheme

SCDEF - Senior Citizen Savings Scheme – Retired from Defence

SCVRS - Senior Citizen Savings Scheme – Voluntary Retirement

TDIP1 – One Year TD

TDIP2 – Two Year TD

TDIP3 – Three Year TD

TDIP5 – Five Year TD

PPF – Public Provident Fund

If NSC 81 and NSC 91 are not linked the agent will not be displayed in the searcher. It is mandatory that all NSC products are linked to SAS agents.

MPKBY AGENT TYPE – PRODUCT TO BE LINKED

RDIPN – Recurring Deposit

12.   Will system allow transaction of an agent if the License is expired

Solution:  System will not allow transaction by an agent after the license expiry date. Agent should renew the licence expiry date well in advance This should be done using modification option in HDSAMM menu

13.   As per rule the agent can deposit cash in any scheme the commission will be paid to agent for investment of only Rs.10000/-, but in Finacle the amount paid more than Rs. 10000/- by cash the commission paid toagent directly to his SB account which is irregular.

Solution: In agent portal there is a restriction that one agent cannot prepare Bulk list more than Rs.10,000/- if mode of payment is cash. System will not allow transactions of agents if it is above Rs.10,000/- in cash.

FAQ - AGENT PORTAL

1.       Procedure to get eBanking User Id and Password

Solution: eBanking user ID and Password will be forwarded on the day of migration by DMCC team only for agents (MPKBY/SAS/PRSS) who were linked with SB account in Sanchay Post. For agents created in Finacle, DSA ID along with SOL ID and other mandatory details to be sent to fsihelpdesk for generation of eBanking User Id and Password.

2.       eBanking user Id and Password created in wrong name

Solution: eBanking user id and password will be generated in the name of the Primary account holder of the linked SB commission credit account. Suppose an MPKBY agent Ms Kala has linked Joint Account as commission credit account with Primary account holder name as Mr Ravi. eBanking user id will be generated in the name of Mr RAVI only and not in the name of Ms Kala. This will not have any effect anywhere. If the agent wants eBanking User Id generated in their own name, either single account should be given as commission credit account or their name should be primary account holder in Joint accounts.

3.       Unable to Login. Please try again or contact bank for more details  – Agent Portal

Solution: Either the user name / password is incorrect or Agent portal not functioning. Agent portal will not function when the Finacle Core is down

4.       Our one of Agents User ID and passwords standing at Nagpur City HO (Maharashtra) is locked out. Agent tried to enter the password maximum ten times.

Solution: Password will get locked if entered wrongly for 10 times. Agent should contact their respective Post office and in turn PO will raise ticket to fsihelpdesk with details of DSA ID and SOL ID to get the password reset for the agents. Agents should not contact Help Desk directly.

5.       Whether SAS agents can use Agent Portal

Solution: SAS agents will also be provided with eBanking User Id and Password. SAS agents can logon to portal but no accounts will be linked to these agents. This DSA ID to be noted on the account opening form for getting the commission.

6.       Agent Portal Host Error

Solution: Agent Portal is down or Finacle server is down. Try after sometime.

7.       Agent Portal could not be logged on in newly migrated offices

Solution: Ensure whether the port access for accessing the agent portal is given by SIFY.

8.       eBanking User Id and Password is generated more than once for many agents

Solution: eBanking user Id and Password will be generated for all the agents migrated to finacle including license expired agents / duplicate agent id. In order to avoid this ensure that the license expired agents and duplicate IDs are not linked with SB account number.

9.       No RD accounts are linked while logging in to portal

Solution:

a.       During Go Live Migration - Transformation Layer, Agent Reconciliation excel sheet is shared with the Postmaster to ensure 100% migration. Finacle DSA ID, Agent Type and number of accounts columns are available. Postmaster to confirm the correct DSA ID and logon using that DSA ID.

b.      Suppose if a single agent is having both SAS and MPKBY. Two ebanking user Id and Password will be generated. Use the appropriate eBanking User Id. Suppose three more eBanking user Ids are generated for the same agent due to duplicate IDs in Sanchay post, logon with appropriate eBanking user ID.

10.   Some RD accounts are not linked / not visible in the Agent Portal

Solution: Discontinued / Closed accounts will not be visible in Agent Portal

Ensure that RD account was linked to correct DSA in Sanchay Post. If not,  link the correct DSA ID by using CRDACM menu.

11.   How to prepare Bulk list with default fee

Solution:

a.       Default fee is automatically fetched from Finacle Core and displayed in separate column “Default Fee”

b.      Suppose in one account there are 4 months default, only one month default will be shown in the portal by default.

c.       If the customer wants to pay more than one defaults, in the edit screen , click on radio button in the appropriate RD account .

d.      Enter the number of months to be paid and click on “Get Default and Rebate”. System will automatically fetch the default and rebate.

e.      Click on Save

f.        In the first part of the screen against the RD account, new default fee will be displayed and the ‘MODIFIED” column will become “YES”

g.       Once all the accounts are selected and edited, click on “Pay all modified instalments” to generate the eBanking bulk reference number.

12.   How to prepare Bulk list with Rebate

Solution:

Rebate is automatically fetched from Finacle Core and displayed in separate column “Rebate”

c.       Rebate will be calculated if paid if 6 or more months instalments are paid. If the customer wants to pay more than one month instalment, in the edit screen , click on radio button in the appropriate RD account .

d.      Enter the number of months to be paid and click on “Get Default and Rebate”. System will automatically fetch the rebate.

e.      Click on Save

f.        In the first part of the screen against the RD account, Rebate will be displayed and the ‘MODIFIED” column will become “YES”

g.       Once all the accounts are selected and edited, click on “Pay all modified instalments” to generate the eBanking bulk reference number.

13.   Whether the Default fee and Rebate to added in the cheque

Solution: In the DOP/Non Dop cheque, Default fee should be added and Rebate to be deducted along with monthly instalments. Suppose in an account with Rs.200/- denomination, there is a default of one month. If the customer wants to get rebate, 6 months instalments has to be paid. Already one default is there. Hence the customer should pay 7 months instalments to get rebate.

200 x 7 = Rs.1400, plus Default fee – Rs.2/- less rebate – Rs.12

Total cheque amount – 1400 + 2 – 12 = Rs.1390/-

14.   In case of cheques can the default fee accepted as cash and monthly instalments as cheque

Solution:  No.  Partial cash and partial cheque not allowed. While posting system will check for the total amount (Monthly instalment Plus default less rebate) for that account. If there is a difference, an error “CHEQUE NOT CLEARED” will be thrown.

15.   Whether prefix 0(zeros) to entered during Bulk list generation and during outward cheque clearance

Solution: Yes. Cheque number should be of six digits. Prefix 0s in the cheque should not be omitted neither during bulk list generation nor during outward clearing of cheques.

16.   Process of Posting Non DOP cheques

Solution:

1.       It is presumed that the MPKBY agent has prepared the bulk list NDC34245.using Non DOP option with all required details like BANK NAME, CHEQUE NUMBER (6 digits without omitting 0 if in prefix)

2.       If the cheques are not handled through outward clearing, the following process should be handled. PLEASE NOTE: This process should not be followed if OUTWARD CLEARING PROCESS is followed

Solution:

a.       User to invoke  CXFER MENU in finacle.

b.      Debit SBI (Sundry) account( SOL id followed by 0007 as debit account eg 600002000007)

c.       Credit the following account

d.      RD Retail / Bulk – SOLID0017 (Outward Clearing account)

e.      For RD Retail / Bulk the cheque number SHOULD BE ENTERED in the Transaction Particular field (CXFER) without fail as described below

Procedure

        i)       Invoke CXFER , Dr Acct and Cr Account as above and

       ii)        Enter the cheque number in the “Transaction Particulars” field by removing the word “BY TRANSFER”

       iii)       Cheque number should be of 6 digits

       iv)      “0”(ZERO) in the prefix of the cheque number should not be omitted (i.e. 002345)

f.        To ensure that the amount of Bulk list is credited, Invoke HACLINQ and enter the Outward Clearing Account Number SOLID followed by 17.

g.       Ensure that the Bulk list amount is credited along with the cheque details in the remarks column.

Procedure for Posting RD Bulk list

a.      Operator – Invoke menu HAGTXP – Modify – E Banking Reference Number – Click on Submit

b.     RD Bulk list verification – Supervisor – Invoke menu HAGTXP – Verify - E Banking Reference Number – Click on Submit

17.   Agent cannot generate bulk list more than Rs.10,000/- if mode is payment is Cash

Solution: An error will be thrown if we try to generate bulk list for more than Rs.10,000/- if the mode of payment is CASH. For DOP and Non DOP cheques there is not limit.

18.   How many accounts can a bulk list contain?

Solution: A bulk list should contain maximum of 50 RD accounts or it should not exceed Rs.10,000/- if paid in cash whichever is earlier.

19.   Can a cheque paid for more than one account?

Solution:  Single Cheque can be paid for multiple accounts. Suppose if there are 8 RD accounts in the list and serial number 2, 4, 7 are paid by same cheque eg INDIAN BANK CHEQUE with cheque number 002345.

Click on 2^nd RD account, enter the BANK NAME in the field. Suppose you enter the bank name INDIAN BANK as IND BANK, enter the cheque number – 002345 , account no for RD instalment – Indian Bank Savings Bank account number of this cheque  eg 643567 (This field will not be validated) Click on Save.

Click on 4th RD account, enter the BANK NAME in the field. Enter the bank name as IND BANK only as entered in the 2^nd account (Here you should not enter INDIAN BANK), enter the cheque number – 002345 , account no for RD instalment – Indian Bank Savings Bank account number of this cheque  eg 643567 (This field will not be validated) Click on Save.

Click on 7th RD account, enter the BANK NAME in the field. Enter the bank name as IND BANK only as entered in the 2^nd account. (Here you should not enter INDIAN BANK), enter the cheque number – 002345 , account no for RD instalment – Indian Bank Savings Bank account number of this cheque  eg 643567 (This field will not be validated) Click on Save.

20.   Agent ID gets blocked

Solution: Agent ID gets locked when the password is entered wrongly for 10 times.

21.   Invalid User name and Password – even if correct user id and password is put.

Solution: You will not be able to logon to Agent Portal whenever Data Centre day end has not happened. This is because incorrect Date synchronization between SOL Date and Data Centre date.

22.   At Nagpur City Ho 440002 there comes error while verifying lot.Lots are prepared by agent on 16/03/2014 in there prepared list default does not shown. Counter PA accept the lot on counter and send the lot for verification. But at the time of verification the it shows different types of error that does not exist, default fee is different etc. Due to which lot not verified.

Solution: Suppose agent prepares bulk list (Cash Mode) on 8^th wherein few RD accounts opened from 1^st to 15^th dates are available. No default fee will be generated during bulk list generation on 8^th. Finacle will calculate Default fee when the Agent presents the same bulk list at PO counter after 15^th . When the operator tries the post the Bulk list, only those accounts without default fee will get posted and accounts with default fee will be rejected. Remarks “ERROR - DEFAULT FEE/REBATE CALCULATION INCORRECT” will be thrown. New bulk list need to be prepared for those rejected accounts .