corporate user guidelines

8/14/2019 Corporate User Guidelines

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For changing Log-in password: Type the log-in password provided by the Bank in thefirst box and enter your new password in the next two boxes to register your own log-in password.For changing transaction password: Type the transaction password provided by theBank in the first box and enter your new password in the next two boxes to registeryour own transaction password.After changing both the passwords, a line along with a box states I have read theTerms and Conditions and Disclaimer for availing Net-Banking and agree to it.

A hyperlink is provided when you click on Terms and Conditions, which you arerequested to go through.Check the box for having read the Terms and conditions and you have agreed to it.Click Change button. If you successfully change the passwords provided by the Bank,system will display appropriate message and you click continue button to enter intothe application.

Now you get the home page of Net-Banking Corporate where summary of your accounts isdisplayed.

Home Page of Net-Banking Corporate :

On your left side top corner, your name is displayed followed by date and time of current login and immediate previous login.

On the right side top corner, option is provided to change your password, view activitylog of current login and provision for logging outIn this page, you find summary of all your operative accounts.By clicking Account numbers you can see the account transactions details for thecurrent date and previous date of the respective account.Indian Rupee Balance in accounts can also be seen in selected foreign currencyconverted at Notional Rate.You can also take print of the details shown hereOn scrolling horizontally towards your right, you can find additional details of theaccounts.On the left side of the Summary page, you find the menu options as follows:

SearchAccounts

ChequesCustomer ServiceFunds TransferTerm DepositsLetter of CreditsBank GuaranteesTrade Bills

SEARCH

Under this menu option you will find the following sub-menu

Pending Authorization:

Depending on the requirement and resolution of the corporate, alltypes of transactions can be enabled for maker checker concept at variouslevels. Minimum two people require for completion of any financialtransactions.

This option will show the item pending for authorization for the higher levelusers who further authorize the transactions.Here Description and count of number of transaction pending forauthorization is shown.On clicking the items shown under description column, system displays therespective authorization screen.

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Authorisation of Bank Guarantee

On clicking Bank Guarantee description in Pending authorization screen,system display all the Bank Guarantees which are in initiated or semi-authorized status and pending for authorization.Here system will display user and bank reference number, status, amount

initiator name and initiation date.You can select the Bank guarantee which you want to reject or authorizeby checking the square box against the respective bank guarantee itemand click reject button by furnishing reasons for rejection in case you wantto reject the Bank guarantee initiation. In case you want to authorize clickauthorize button.In case you require to see more details of each bank guarantee beforeauthorization/rejection, click on Bank reference number of the respectiverecord. System will display all the details of Bank guarantee along withaudit details where version numbers, status of each operations, initiatorname, etc., would be displayed.Here back button is provided to go back to the previous screen.Authorization button is provided for authorization of the transactions andreject button is provided for rejection of the transaction.

Wherever you want to reject the Bank Guarantee initiation, please furnishthe reasons for rejection which is mandatory.In case you decide to authorize the transaction, system will insist forentering transaction password.In case transaction password is valid, system shows verification screenand on confirmation of the details, the system will convert status of theBank guarantee initiation transaction as authorized/semi-authorized.

Authorization of Own Account Funds Transfer

On clicking Own Account funds transfer description in Pendingauthorization screen, system display all the Own Account Funds Transferwhich are in initiated or semi-authorized status and pending forauthorization.

Here, by default system will display all the own account funds transactionsthat are in initiated and semi-authorized status under Own Account Fundstransfer category. The details shown here are user and bank referencenumber, source account, amount of transfer, destination account, status,initiated dated, initiator name and narration of transaction.If required, to shorten the selection list you can search the required recordon the basis of initiator, status, banks reference number, users referencenumber, from and to date of initiation of the transaction, etc.,You can select all the records listed on the screen and authorize/reject allthe same in single shot, select all the items and click authorize/rejectbuttons as the case may be. In case of rejection, reason for rejection ismandatory.By clicking back button you can go back to the previous screen.In case you require to authorize/reject the items on selective basis, select

the required record by checking the square box provided in the beginningof the records and click authorize/reject button.In case you require to see all the details of each record beforeauthorization/rejection, click on Bank reference number of the respectiverecord. System will display further details about the transaction, such asbank & users reference number, details of the transaction initiated,initiators name, version number of the transaction, authorization numberand present status.Authorization button is provided for authorization of the transactions andreject button is provided for rejection of the transaction.Wherever you want to reject the Bank Guarantee initiation, please furnishthe reasons for rejection which is mandatory.

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In case you decide to authorize the transaction, system will insist forentering transaction password.In case transaction password is valid, system shows verification screenand on confirmation of the details, the system will convert status of theown account funds transfer transaction as authorized/semi-authorized.

Authorization of Internal Funds Transfer

On clicking Internal transfer description in Pending authorization screen,system display all the Internal Funds Transfer which are in initiated orsemi-authorized status and pending for authorization.Here, by default system will display all the Internal funds transfertransactions that are in initiated and semi-authorized status under OwnAccount Funds transfer category. The details shown here are user andbank reference number, source account, amount of transfer, destinationaccount, status, initiated dated, initiator name and narration of transaction.If required, to shorten the selection list you can search the required recordon the basis of initiator, status, banks reference number, users referencenumber, from and to date of initiation of the transaction, etc.,You can select all the records listed on the screen and authorize/reject all

the same in single shot, select all the items and click authorize/rejectbuttons as the case may be. In case of rejection, the reason for rejectionis mandatory.In case you require to authorize/reject the items on selective basis, selectthe required record by checking the square box provided in the beginningof the records and click authorize/reject button.In case you require to see all the details of each record beforeauthorization/rejection, click on Bank reference number of the respectiverecord. System will display further details about the transaction, such asbank & users reference number, details of the transaction initiated,initiators name, version number of the transaction, authorization numberand present status.By clicking back button you can go back to the previous screen.Authorization button is provided for authorization of the transactions and

reject button is provided for rejection of the transaction.Wherever you want to reject the Bank Guarantee initiation, please furnishthe reasons for rejection which is mandatory.In case you decide to authorize the transaction, system will insist forentering transaction password.In case transaction password is valid, system shows verification screenand on confirmation of the details, the system will convert status of theInternal funds transfer transaction as authorized/semi-authorized.

Authorization of Letter of Credit

On clicking Letter of Credit description in Pending authorization screen,system display all the Bank Guarantees which are in initiated or semi-authorized status and pending for authorization.

Here system will display user and bank reference number, status, amountinitiator name and initiation date.You can select the letter of credit which you want to reject or authorize bychecking the square box against the respective letter of credit item andclick reject button by furnishing reasons for rejection in case you want toreject the Letter of Credit initiation. In case you want to authorize clickauthorize button.In case you require to see more details of each letter of credit beforeauthorization/rejection, click on Bank reference number of the respectiverecord. System will display all the details of respective Letter of creditalong with audit details where version numbers, status of each operations,initiator name, etc., would be displayed.

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Here back button is provided to go back to the previous screen.Authorization button is provided for authorization of the transactions andreject button is provided for rejection of the transaction.Wherever you want to reject the Letter of Credit initiation, please furnishthe reasons for rejection which is mandatory.In case you decide to authorize the transaction, system will insist forentering transaction password.In case transaction password is valid, system shows verification screen

and on confirmation of the details, the system will convert status of theLetter of Credit initiation transaction as authorized/semi-authorized.

Authorization of Term Deposit Initiation

On clicking Term Deposit description in Pending authorization screen,system display all the Term Deposits initiation transaction which are ininitiated or semi-authorized status and pending for authorization.Here, by default system will display all the Term Deposits that are ininitiated and semi-authorized status under Term Deposit initiationcategory. The details shown here are user and bank reference number,amount of transfer, source account, status, initiated dated, initiator nameand Bank Branch the codeIf required, to shorten the selection list you can search the required record

on the basis of initiator, status, banks reference number, users referencenumber, from and to date of initiation of the transaction, etc.,You can select all the records listed on the screen and authorize/reject allthe same in single shot, select all the items and click authorize/rejectbuttons as the case may be. In case of rejection, the reason for rejectionis mandatory.In case you require to authorize/reject the items on selective basis, selectthe required record by checking the square box provided in the beginningof the records and click authorize/reject button.In case you require to see all the details of each record beforeauthorization/rejection, click on Bank reference number of the respectiverecord. System will display further details about the transaction, such asbank & users reference number, source account, period of deposit, producttype, source account, etc., along with audit details like initiator name,

version number of the transaction, authorization number and presentstatus.By clicking back button you can go back to the previous screen.Authorization button is provided for authorization of the transactions andreject button is provided for rejection of the transaction.Wherever you want to reject the Bank Guarantee initiation, please furnishthe reasons for rejection which is mandatory.In case you decide to authorize the transaction, system will insist forentering transaction password.In case transaction password is valid, system shows verification screenand on confirmation of the details, the system will convert status of theTerm Deposit initiation transaction as authorized/semi-authorized.

ACCOUNTS:

Under this menu option you will find the following sub-menus

Account ActivityAccounts Balance inquiryAccount SummaryStatement Request

Account Activity :

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Here you can select a particular Cust_id, Branch, and Account or aparticular account pertaining to any cust_id or Branch for inquiry of transaction details.You can select 25/50 transactions per page to view. Transaction date alsocan be given to view the transactions between a given date range.In this option, you can view/print maximum 100 transactions matching thegiven selection criteria since querying more than 100 transactions maycause performance problem over internet.

In addition to the above select criteria, system support value date rangeselection, amount range selection, transaction type (Debit/Credit)selection, sort order selection (ascending/descending). By togglingbetween ascending and descending order, you can enquire maximum 200transaction matching the given selection criteria.The reference number criteria given here can be used for inquiry of astatus of a issued cheque by prefixing the cheque number prefixed with asmany zeros as required to make it 12 digits.Three buttons namely view, print and download is provided in the bottomof the screen.On clicking view button system will display the transaction details whichare matching the selection criteria provided by you, on the screen. At thebottom the number of pages the transaction is fitted in is shown. Byclicking the particular page is shown. Four buttons namely First, Previous,

next, and last are provided for you to navigate between the respectivepages by click of a button. The number of Pages depends on thetransaction per page value selected by you and the number of transactionsfetched based on the selection criteria for the given account. System givesdetails like opening & balance closing balance, total debit & credit amount,etc.,On clicking print button, the system will enable you to print the statementon your printer. The details will be similar to the view option said in theabove point.On clicking the download button system will enable you to download thestatement in one of the three formats like PDF/MS Money/CommaDelimited format basing on the type of download selected by you. If youselect comma delimited format, system accepts any delimiter character indelimiter box and insists you to select all or any of the fields in the

required order from selection box provided in the bottom. Afterdownloading download button system will allow you to save or open thetransaction file in the selected format. Here MS Money format and Commadelimited format files would be MS Office Excel files.

Account Balance Inquiry :

Here you can see the accounts details of selected Operative account.The details contained here are current Balance, unclear funds, amount onhold, balance available, required minimum balance, net balance availablefor withdrawal, etc., for the selected account.A link also provided to account summary option from here.

Account Summary :

In this page, you find summary of all your operative accounts.By clicking Account numbers you can see the account transactions detailsfor the current date and previous date of the respective account.Indian Rupee Balance in accounts can also be seen in selected foreigncurrency converted at Notional Rate.Your can also take print of the details shown hereIf scroll the horizontal bar towards your right, you can find additionaldetails of the accounts like unclear funds, minimum balance required,amount on hold, etc.,

Statement Request :

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System will display statement request screenSelect operative account from the drop down list for which you wantstatement. You can select any or all customer_id and Branch against therespective box.Select from and to date range for which you require statementClick Request buttonSystem will display statement request screen with request received date,request confirmation number, account number and date range for whichstatement is requestedClick print button to take print of the screenClick another statement request button to request statement for another account.Applicable charges will be debited from your account.

CHEQUES :

Cheque book request :

Click on option cheque book request to make system to display chequebook request screen.Select an operative account from the drop down list against select accountbox. You can select any or all customer_id and Branch against therespective box.Select book let size from the drop down list.After Clicking request button. System will force you to enter yourtransaction password two times by displaying transaction password screen.Enter your current transaction password correctly two times and clicksubmit button or use clear button to clear the passwords entered by you.System will check correctness of your transaction password and throwserror Invalid PIN message if the same is wrongly entered.

If the transaction password entered by you is correct, system will showagain cheque book request screen with details like your request receiveddate and request confirmation number. Account number, etc.,You can take print of the screen in your local printer by clicking printbutton. You can also place another request for cheque book by clickingplace another request for cheque book or back button.Applicable charges will be debited from your account.

Stop Cheque Request

On clicking option stop cheque request, the system will display stopcheque request screen.Select an operative account from the drop down account list against selectan account box. You can select any or all customer_id and Branch against

the respective box.Enter cheque number to be stopped against start cheque number box.Leave the end cheque number box blank to stop a single chequeEnter cheque number against end cheque number to stop a series of cheque. (to stop more than one cheque in a series)Enter reasons for stop payment against stop cheque reason boxAfter Clicking request button. System will force you to enter yourtransaction password two times by displaying transaction password screen.Enter your current transaction password correctly two times and clicksubmit button or use clear button to clear the passwords entered by you.System will check correctness of your transaction password and throwserror Invalid PIN message if the same is wrongly entered.

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If the transaction password entered by you is correct, system will checkwhether the cheque has been issued to the same operative account youhave selected or cheque has been already paid. If this condition is truesystem will display appropriate message.If cheque number is valid and not paid, system will display stop chequerequest acceptance screen with the details like request received date,request confirmation number, account number, start cheque number andend cheque number. You can take print of the screen in your local printer

by clicking print button. You can also place another request for stoppayment by clicking place another request for stop payment or backbutton.

CUSTOMER SERVICE :

Bulletins :

Click Bulletin button to make system to show all the bulletins sent by BankAdministrators.System will display bulletin posted date, subject of the bulletin and MessageThe message can be read on the screen itself in message box provided themessage is not uploaded by way of separate file by the bankIf Message is uploaded by the Bank through a file a message Click here toview the Details is displayed. On click, system will open the file uploaded bythe Bank Administrator

Forex Rates Inquiry

This option is provided to know only the notional rates of some of the foreigncurrencies. IT WILL NOT SHOW THE CURRENT MARKET RATESClick Forex Rate Inquiry menu option to make the system to provide foreignexchange rates of different currencies.Notional rates of few foreign currencies are shown on the screen in IndianRupees against fixed unit of one foreign currency.

Limits Query

This facility enables your enquire on various limits being enjoyed and their present utilization position.

Mail Message

Inbox

This option would help you to send/receive mail to/from Bank administrators.Click Mail Box option to make the system to display Mail Message ScreenBy default, in the first page, system will display all the messages in your inbox with information like subject, from and received date.You can see the message in detail by clicking on the subject of respectivemail. This would enable you to read the message in full and also enables youto forward the mail to another Administrator or reply or delete or print themessage by click the respective button.

Drafts

On clicking draft button you can see the mails drafted and saved by you andyet to be sent to recipients.You can delete and send the selected mails from this option.

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Compose

You can send mails to Banks Administrators using this optionClick Compose button to make system to display the screen meant for composing mailYou can click TO and CC to input values for the user_id of the BankAdmin or the other users belonging to your organization/company tocorrespond/mail. Select the Administrators from the list for whom you want tosend the mail. Here selection of administrator against TO is mandatory.Input in subject box is mandatory.Input in Message box is also mandatory and it can support maximum 2000characters.After message is entered, click send button to send the mail or click savebutton to save the mail in drafts or click print button to print the message

Sent items

You can know the messages sent by you using the option.Click Sent Items button to know the list of messagesSystem will display Subject, Sent to and Sent date of each messageYou can see the message in detail by clicking on the subject of respectivemail. This would enable you to read the message in full and also enables youto forward the mail to another Administrator or delete or print the message byclicking the respective button.You can take print out of sent messages by selecting from the list byselecting the sent message.

Contact Netbanking Admin :

This option can be used to send messages to the Netbanking Administrator of the Bank. The email of ID of banks admin is populated by default and thiscannot be modified. The Message sent from this option with reach theadministrator through external mailing services. The subject of mail shouldbe selected from the drop list provided in the screen. Message upto 500characters only supported.

Change Password

This menu option is provided on the top right corner of the screen and bottomleft corner in the screen.Click this menu option to make the system to display change passwordscreenIn change option box, select login password or transaction password fromthe drop down listEnter the present login or transaction password as the case may in Enter oldpassword boxEnter the new passwords two times in Enter new password and Confirmnew password boxes.Some of the rules while changing the passwords is given for your informationat the bottom of the screen.Click change button to change the passwordsClick clear button clear the inputs given by you

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FUNDS TRANSFER

This menu consist following options

Beneficiary MaintenanceOwn Account Funds TransferInternal TransferModify Funds Transfer

View Funds TransferFunds Transfer Template

Beneficiary Maintenance

Click option Beneficiary Maintenance available under FUNDSTRANASFER menu

System shows Search Beneficiary screen. By clicking search buttonyou can get a list of existing Beneficiaries already added by you. You canselect the beneficiary from the list and click delete button for deletion.Click select all / deselect all to select/deselect the items.

For deleting a beneficiary , select the beneficiary concerned andclick on delete button.

For modifying/viewing a existing beneficiary , click onbeneficiary_id from the list populated by the system. The system willdisplay details of the respective beneficiary. Modify the required detailsand click on Modify button. Thereafter system will seek your confirmationfor the modifications.

To add a new beneficiary , click on add beneficiary button. Systemwill display Customer number and customer names attached to you by thebank. Click on required customer number to proceed further.

On clicking customer number, system display beneficiary list screen.By default internal transfer item is select in the payment type box.

Click on add beneficiary to proceed further for adding a beneficiary.System will display beneficiary for internal payment add screen.Here beneficiary_id can be entered for identification purpose. This is a

free text field. This a mandatory fieldBeneficiary name of the destination account should be entered for

proper recognition. This is also a free text field. This is a mandatory field.Email_id of the beneficiary for your information sake can be entered

here.Enter 13 digit Account number of the beneficiary. Please

ensure that account number is valid and actually relates to therespective beneficiary .

Against transaction limit box enter the transaction limit, if required.Here you can mention amount as zero also. By default, the currency codewould be INR i.e. Indian Rupees only.

Click on Add beneficiary button to proceed for adding the beneficiary.Click on Clear button to clear the screen. Click on Cancel button to comeout the option.

After clicking Add beneficiary button system will display the details youhave entered in the confirmation screen. Click confirm button to confirmthe System will display confirmation screen with the Account Number andthe Name of the Depositor as entered by you.

Verify the details shown. If you want to change the details, clickchange button or Click confirm button. On clicking confirm button systemwill confirmation screen with a message beneficiary successfully added.

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If the account number mentioned by you is wrong, system will showerror message - Invalid account number

Own Account Funds transfer

This option can be used to transfer amount between two differentoperative accounts under the same customer_ids.

Click option Own account Funds Transfer available under FUNDSTRANSFER menu.System shows Own Account Funds Transfer Initiate screen. You can giveyour own reference number in user reference number box.Under source account you can select the required customer_id. Branchand source account. Selection of Customer_id and Branch is notmandatory. But selection of account is mandatory.Transfer Amount should be entered in amount field. The currency of transfer would be India Rupees (INR) by default and cannot be modified.After selection of account number under source account system willdisplay the available balance in the respective account. Besides, systemwill display the customer_id of source account in destination account box .This can not be modified because system will allow transfer of fundsbetween accounts under the same customer_id only.

Payment Details can be entred for your reference. This is a free text fieldand mandatory.System will not do funds transfer if the source account and destinationaccount are similar. Gives error Source and Destination account cannot besame Click Initiate button. System will force you to enter your transactionpassword two times by displaying transaction password screen.Enter your current transaction password correctly two times and clicksubmit button.System will check correctness of your transaction password and throwserror Invalid PIN message if the same is wrongly entered.If the transaction password entered by you is correct will displaytransaction verification screen. Verify all the particulars shown in thisscreen and click confirm button if you find that the details shown are

correct. In case, details are not correct click Change button to go back andchange the details. In case you want cancel the transaction, click cancelbutton.On clicking confirm button, system will show the own account transfer confirmation with details like user reference number, bank referencenumber, status, source and destination account, amount of transfer andBranch name. Besides, this system will also display the audit details likeuser_id who initiated the transactions, date of initiation, version number of the transactions and status of the transaction. When the transaction isfirst created, always the status would be initiated and systemexpects one more level of authorization for execution of transactions. Click create more button to create another own accountFunds transfer.Note the Bank and user reference number for your future reference.

Internal Funds Transfer

This option can be used to transfer funds between your accounts underdifferent customer_id and to transfer funds to a third party.Click option Internal Transfer available under FUNDS TRANASFER menuSystem shows Internal Account Transfer Initiate screen.Enter input against User reference box. This is a free text field and thereference entered here would be for your subsequent reference.

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Enter input in template_id box if you want to save the inputs as a fundstransfer template.Under source account you can select the required customer_id. Branch andsource account. Selection of Customer_id and Branch is not mandatory.But selection of account is mandatory.Amount should be entered in Transfer amount field. The currency of transfer would be India Rupees (INR) by default and cannot be modified.After selection of account number under source account, the system will

display the available balance in the respective source account.Against beneficiary list, select the beneficiary you want to transfer theamount. Once beneficiary is selected, system will display the destinationaccount number and the beneficiary name as entered by you whilecreation of beneficiary through option beneficiary maintenance.In case the beneficiary to whom you wish to transfer funds is not added inthe beneficiary list, you can select item others under beneficiary list boxand enter the account number and beneficiary name or add the beneficiarydetails under beneficiary maintenance option first and then try this option.Enter 13 digit Account number of the beneficiary. Please ensurethat account number is valid and actually relates to the respectivebeneficiary.Payment Details can be entred for your reference. This is a free text fieldand mandatory.

System will not do funds transfer if the source account and destinationaccount are similar. Gives error Source and Destination account cannot besame Click Save as template Button to save the details entered by you as afunds transfer template which can be used in future, if required. To saveas template, the template_id is mandatory. On clicking the Save asTemplate button system shows the particulars entered by you and seeksyour confirmation. Click Confirm button to proceed further.For putting through the funds transfer transactions, Click Initiate button,the system will display Internal account transaction - verification screen.Verify all the particulars shown in this screen and click confirm button if you find that the details shown are correct. In case, details are not correctclick Change button to go back and change the details. In case you wantcancel the transaction, click cancel button.

On clicking confirm button, System will force you to enter your transactionpassword two times by displaying transaction password screen.Enter your current transaction password correctly two times and clicksubmit button.System will check correctness of your transaction password and throwserror Invalid PIN message if the same is wrongly entered.If the transaction password entered by you is correct system will show theInternal account transfer confirmation screen with details like userreference number, bank reference number, status, source and destinationaccount, amount of transfer and Branch name. Besides, this system willalso display the audit details like user_id who initiated the transactions,date of initiation, version number of the transactions and status of thetransaction. When the transaction is first created, always the statuswould be initiated and system expects one more level of

authorization for execution of transactions. Click create more button to create another Internal Funds transfer.Note the Bank and user reference number for your future reference.

Funds Transfer Modify :

This option enables you to modify the Funds Transfer instructions when itis in initiated and semi-authorized status.On clicking Funds Transfer Modify option, system will display Fundstransfer modification screen containing some of the search conditions likelike customer, source account, branch, transfer mode, status, initiator,

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user reference, bank reference, initiation date range, amount range,destination account, etc. , User can structure his query byentering/selecting the required conditions here. If the conditions are notgiven here, system will list all the Funds transfer transactions irrespectiveof date, status, source and destination account, etc.,After providing conditions/inputs for conditional search, click search buttonto enable the system to fetch the matching items. In case you want toclear the input given by you, click clear button.

On clicking search button, system will display user and bank referencenumber, transfer mode, status, amount, source account number, branchname, initiator_id, and initiation date of all funds transfer transactions.Click on the Bank reference number value of the funds transfer transactionfor which you want to do the modifications. System will display the detailsof the transactions. Modify the details you want to modify and click themodify button.System will insist for your transaction password. Enter the same twotimes.Thereafter, system will show you verification screen, on clicking changebutton system allows you to change the details again. In case you want tocancel the modifications, click cancel button. On clicking the confirmbutton system will show the confirmation screen with funds transfer detailsand audit details about number of modifications taken place with respect

to the particular funds transfer transaction.

View Funds Transfer :

This option enables you to view all the Funds Transfer instructionshappened through internet banking from your accounts.On clicking View Funds Transfer option, system will display Funds transferview screen containing some of the search conditions like like customer,source account, branch, transfer mode, status, initiator, user reference,bank reference, initiation date range, amount range, destination account,etc., User can structure his query by entering/selecting the requiredconditions here. If the conditions are not given here, system will list all theFunds transfer transactions irrespective of date, status, source and

destination account, etc.,After providing conditions/inputs for conditional search, click search buttonto enable the system to fetch the matching items. In case you want toclear the input given by you, click clear button.On clicking search button, system will display user and bank referencenumber, transfer mode, status, amount, source account number, branchname, initiator_id, initiation date, destination account number andnarration of the transactions of all funds transfer transactions.The status Initiated denotes that the funds transfer transactions are justcreated and yet to be authorized by another user.The status Semi-Authorized denotes that the funds transfer transactionsare authorized by one user and require one more higher level of authorization for completion of authorization process.The status authorized denotes that authorization process is complete and

transaction is yet to reach the Bank.The status Sent to host denotes that the transaction request reached theBank and transaction is yet to be posted to the respective accounts.The status Rejected by the Authorizer denotes that the funds transfertransaction initiated are rejected by the authorizer.The status Rejected by the host denotes that the funds transfertransactions could not be posted into the accounts successfully by theBank.The status Accepted by host denotes that the bank has accepted thetransaction.

Liquidated denotes that the fund transfer transaction has beensuccessfully completed.

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Click on the Bank reference number value of the funds transfer transactionfor which you want to view the detail. System will display the details of thetransactions like source and destination account, amount, initiation dateand other audit details.

Funds Transfer Template :

This option can be used to create a new funds transfer template, modify aexisting template, copy an existing template to create Internet fundstransfer transaction in quick time and to delete a existing template.Click on Funds transfer template to see search template screen. Be defaultsystem will show all the existing templates created by you.Your can search on template_id, customer, source account, destinationaccount and beneficiary name. Click on search button to search an existingtemplate. Click on Add a Template button to add a new template. Click onclear button to clear the screen.To modify an existing template, click on modify button providedagainst the template which you want to modify. System will display theinternal template modify screen. Modify the values which you require to bemodified and click modify button. System will display the verificationscreen with the modified values. Ensure that the values shown are correct

before clicking the confirm button. On clicking the confirm button systemwill store the modified values. In case details shown in verification screenare not correct, click change button to change the details further.To initiate a fresh internal funds transfer transaction by copyingthe existing template , click on copy button provided against thetemplate which you want to copy for initiating a funds transfer. Systemwill display the internal funds transferinitiate screen. In this screenSystem will automatically display all the values as available in thetemplate choosen for copying. If required, You can modify any of thesevalues including source account and destination account. Enter inputagainst User reference box. This is a free text field and the referenceentered here would be for your subsequent reference. Before clickinginitiate button ensure that correct amount is entered againsttransfer amount box and source and destination account are

selected. Enter 13 digit Account number of the beneficiary. Please ensurethat account number is valid and actually relates to the respectivebeneficiary.For providing inputs in this screen, the guidelines mentioned underInternal Funds Transfer can be referred.For putting through the funds transfer transactions, Click Initiate button,the system will display Internal account transaction - verification screen.Verify all the particulars shown in this screen and click confirm button if you find that the details shown are correct. In case, details are not correctclick Change button to go back and change the details. In case you wantcancel the transaction, click cancel button.On clicking confirm button, System will force you to enter your transactionpassword two times by displaying transaction password screen.

Enter your current transaction password correctly two times and clicksubmit button.System will check correctness of your transaction password and throwserror Invalid PIN message if the same is wrongly entered.If the transaction password entered by you is correct system will show theInternal account transfer confirmation screen with details like userreference number, bank reference number, status, source and destinationaccount, amount of transfer and Branch name. Besides, this system willalso display the audit details like user_id who initiated the transactions,date of initiation, version number of the transactions and status of thetransaction. When the transaction is first created, always the statuswould be initiated and system expects one more level of

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authorization for execution of transactions. Click create more button to create another Internal Funds transfer.Note the Bank and user reference number for your future reference.To ADD a new Template, click on add template button. Systemwill show template list screen. Click add button to add a new template.System display Internet template Add screen. This screen is similar to theinternal funds transfer screen. All the inputs should be given as explainedunder Internal Funds Transfer option stated above. Amount and payment

details can be left blank here.After clicking save button the system will displace verification screen. If details shown are correct click confirm button to save the template withthe templated_id mentioned by you.

TERM DEPOSITS

This menu consist the following options:

Modify Term DepositView Term DepositTerm Deposit initiate

Modify Term Deposit

This option enables you to modify Term Deposit details initiated throughInternet Banking Channel and before authorization.On clicking the option, system will Term Deposit Modify screen. By defaultsystem will display details of term deposit initiated/authorized only throughinternet banking channel.Here user can give selection condition like bank/user reference number,customer, initiator, initiation date range, etc., After providing selection criteriaif search button is clicked system will display the details of term depositsinitiated/opened only through Internet Banking channel.The system will display details like bank & user reference number, amount,status, source account, initiator, etc.,On clicking Bank reference number system will display term deposit initiatescreen with all the details.Do whatever modification you required to do and click open account button.System will display Term Deposit Verification screen.Click change details button, if you are required to further change the details.Click confirm button to confirm the operations.After clicking confirm button system will force you to enter transaction

passwords. If the passwords are correct, system will display term depositinitiation confirmation screen containing details like bank and user referencenumber, Deposit details like Deposit Product, Source Account, DepositAmount, Deposit date, Tenure, Interest Instructions, Interest payout AccountNumber, Principal payout Instructions, etc., Besides, this system will alsodisplay the audit details like user_id, date of modifications, version numbers,etc.,

View Term Deposit

This option enables you to view all the live Term Deposit account details

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On clicking the option, system will Term Deposit View screen. By defaultsystem will display details of all the term deposit initiated only throughinternet banking channel.Here user can give selection condition like bank/user reference number,customer, initiator, initiation date range, etc., After providing selection criteriaif search button is clicked system will display the details of all the termdeposits matching all the selection conditions given by you.To view all the Term Deposits accounts held by you in the Bank, selectstatus Accepted by Host amongst other selection conditions. On clicksearch button system will display the term deposits with details like accountnumber, amount, type of deposit, customer number, type of deposit, rate of internet and maturity date.To view more details of an account, click on account number of therespective deposit to enable the same system to display term deposit inquiryscreen which contain other details like deposit accounts number, rate of interest, maturity amount, maturity date, lien on the account, interestpayment details, etc.,Click back button to come back to the previous screen term deposit viewscreen.Click on print button to print the details on your printer.

Term Deposit Initiate :

Click on Term Deposit Initiate under Term Deposit menu on Left hand side.Term Deposit initiate screen is displayed.Select New account for new depositIf you would like to add one more deposit to the existing deposit select

Add to Existing Account.Choose the Deposit Product from the drop down listThe product selected is displayed on the screenSelect the Source account from where you wish to transfer the fundsSelect the deposit amount, tenure of depositFor fixed deposit, select interest pay plan, i.e., monthly, quarterly, half-

yearly, yearly or at maturityIf the deposit is Kamadhenu deposit, please select interest pay plan as atmaturity onlyUnder Interest Instructions select the mode of payment of interest i.e.,

Account transfer .Select the account number to which the interest to be creditedIn Principle Instruction mention the mode of payment of principle onmaturity i.e., Account transfer.Select the account number to which the principal to be credited onmaturityYou are required to accept to the Terms & Conditions of the deposits.Hyperlink is provided on Terms & Conditions to view the same.After entering the details click on Open depositThe system will insist for transaction password. Enter your transaction

passwords correctly two times and click submit button.System will display Term Deposit Initiate verify screen with Depositdetails such as Deposit Product, Deposit Type, Source Account, DepositAmount, period, Interest pay plan, Interest Payment instructions andPrincipal Payment Instructions, etc.,Click on confirm deposit button to confirm the deposit. System will displayTerm Deposit initiate-Confirmation screen with the above said details inaddition to the audit details of the operations.

LETTER OF CREDITS (LC)

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This menu consist the following options

View letter of CreditsLetter of Credit InitiateLetter of Credit TemplateModify Letter of Credit

View Letter of Credits

Here you can view the issued or under process Import and export LCdetails.On click of the option view Letter of Credit option, system will display listof letter of credits view screen. This screen will have provision for statingsome of the selection conditions for the purpose of searching LCs.You can select one of LC TYPE i.e. either under process Import LCs orIssued Import LCs or Export LCs.Under each type of above stated LCs, you can mention conditions likecorporate, status, initiation date range and user reference.After selection of required type of LC and mentioning the selectionconditions if you click on search button, system will display the list of LCsmatching the given conditions.The list displayed by the system will contain details like user reference,initiation date, issue date, expiry date, amount in LC Currency and statusof each LC.UnderProcess Import LC will have one of the status like initiated ( NotAuthorized), Semi-uathorized (further authorization required), authorized(authorization complete but not reached the Bank), rejected by theauthorizer, sent to host ( reached the bank ), rejected by the host(rejected by the bank) and hold ( Bank is yet to process the LC).Issued Import LC and Export LCs will have one of the status like acceptedby the host or liquidated or closedIn case you required to see more details of a particular LC listed by thesystem on the basis of search conditions given by you, click on userreference number of the respective LC. System will display letter of creditdetails screen containing all the details of LC.

Letter of Credit Initiate (IMPORT / INLAND LC)

This will enable you to send only a request to the Branch to issue LC as per the details provided through internet banking channel. Submission of application and related documents is procedural. Bank will take action onyour request only after production of the required documents and availabilityof sufficient unutilized limits. Only advantage here is Branch can processyour request faster subject to fulfillment of other conditions.On clicking the option, system will display LC initiation screen. You can clicknew button provided in the screen to proceed further.On clicking new button, system will display LC initiation screen.This screen contains several grids like General, Parties, Shipment, GoodsDescription, Transport Document, Insurance, Other Documents, Ship Marksand Conditions.In General Grid you can enter your reference number, select your branch,select the LC type under product type. Fill all the relevant data correctly inconformity with your LC application and requirements. Click Save buttonprovided in the bottom of this grid to save the details in between.In Parties Grid under party code you can select beneficiary, applicant,advising bank, advise through bank and reimbursement bank and provide thedetails of respective party. After entering each party details click acceptbutton provided at the bottom of this grid so as to enable the system to store

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the details of each of the party separately. You can also delete the requiredparties details even after acceptance by click on remove button, provided atthe bottom this grid, by selecting the party details which you want to delete.After entering all the required parties details click on save button provided atthe bottom of this grid to save the data in between your operations. Thedetails provided here should in conformity with the LC application to besubmitted to the Bank.In Shipment grid enter the details of shipment from and to Places, last date of

shipment and other details as per your LC application to be submitted to theBank.Under Goods description provide details like, description of goods, tenor CIF/FOB/C&F/C&I, import licence details, etc., as per your LC application tobe submitted to the Bank.Under transport grid provide details like AWB/BL and other details as per your LC application to be submitted to the Bank.Under Insurance grid, details like whose responsibility to take the cover andrisk coverage should be stated.Under other documents grid the number of copies required to be submittedby the exporter/seller to be stated.Ship marks and other condition grids are not mandatory. If required relevantdetails can be entered by you.You can click save button provided on the bottom of the screen to save theinformation entered by you and the can be recalled and initiated as and whenrequired. To recall this LC details for initiation, invoke option LC initiate onceagainst, System will list this LC and click on user reference to get the detailsof LC on the screen for initiation by completing the information required.You can also click on initiate button to initiate the request. System will displayLC verification screen. Here you can confirm the initiation by clicking confirmbutton or change the details by clicking change button or completely deletethe LC by click delete button or you cancel the latest modification done byclicking cancel button.On clicking confirmation button system will insist for your transactionpassword. Enter the same correctly and click submit button.Thereafter, system will display letter of confirmation screen.

Letter of Credit Template

This option would be helpful in case you are required to open LCs on sameparties very frequently and there would not be much variation in terms andconditions of LC. In such cases, if you create a LC template, initiation of LCwould be very easy. Hence, this option is provided to you.Click on Letter of Credit template to see letter of credit template screen.Be default system will show all the existing templates created by you.You can search on template name. Click on search button to search anexisting template. Click on new button add a new template. To delete anexisting template, select the respective template and click on delete

button.To modify an existing template, click on modify button providedagainst the template which you want to modify. System will display theLetter of credit template initiate screen. Modify the values which yourequire to be modified and click save button. System will display the latestsave time at the top of the screen after saving the changes.To initiate a fresh LC by copying the existing template , click on copybutton provided against the template which you want to copy for initiatinga LC. System will display the Letter of Creditinitiate screen. In this screenSystem will automatically display all the values as available in thetemplate choosen for copying. Here modify the required values and ensurethat mandatory details are filled. PLEASE REFER GUIDELINES FOR

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LETTER OF CREDIT INITIATE ACTION ABOVE and FOLLOW THESAME FOR REST OF THE ACTIVITIES to initiate a Letter of Credit.For Deleting a template click on select the template which youwant to delete and click delete button.To ADD a new Template, click on new button. System will showletter of credit initiation screen. This screen is similar to the Letter of credit initiation. All the inputs should be given as explained under LETTER OF CREDIT INITIATE ACTION ABOVE and FOLLOW THE SAME

Modify Letter of Credit

By invoking this option you can modify a LC which is in initiated or semi-authorized status.On click this option, system will display LC list Modification screen withselection provision for stating some selection conditions like user referencenumber, initiation date range, status of LC.After providing the selection conditions click the search button.System will display the LCs which are matching the conditions.Click on user reference to view more details of the LC.Modify the details which you wish to modify and click save button to save thechanges or click modify button to modify and further initiate the LC.

On click modify button, system insist for transaction password. Enter thetransaction passwords correctly and click submit button.System will display LC verification screen. Click confirm button to confirm themodification or cancel button to cancel the modification done or changebutton to further change the details of LC.On clicking confirm button system will display LC confirmation screen with allthe details of LC and audit details of the record.

BANK GURANTEES ( BG )

This menu consist following options

Bank Guarantee initiateModify Bank GuaranteeView Bank Guarantee

Bank Guarantee initiate

This will enable you to send only a request to the Branch to issue BG as per the details provided through internet banking channel. Submission of application and related documents is procedural. Bank will take action onyour request only after production of the required documents and availabilityof sufficient unutilized limits. Only advantage here is Branch can processyour request faster subject to fulfillment of other conditions.On clicking the option, system will display BG initiation screen. You can clicknew button provided in the screen to proceed further.On clicking new button, system will display BG initiation screen.This screen contains several grids like General, Parties and Conditions.In General Grid you can enter your reference number, select your branch,select the BG type under product type. Fill all the relevant data correctly inconformity with your BG application and requirements. Click Save buttonprovided in the bottom of this grid to save the details in between.In Parties Grid under party code you can select beneficiary and applicant andprovide the details of respective party. After entering each party details clickaccept button provided at the bottom of this grid so as to enable the systemto store the details of each of the party separately. You can also delete therequired parties details even after acceptance by click on remove button,

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provided at the bottom this grid, by selecting the party details which you wantto delete. After entering all the required parties details click on save buttonprovided at the bottom of this grid to save the data in between your operations. The details provided here should in conformity with the BGapplication to be submitted to the Bank.Condition grids are not mandatory. If required relevant details can be enteredby you.You can click save button provided on the bottom of the screen to save theinformation entered by you and the can be recalled and initiated as and whenrequired. To recall this BG details for initiation, invoke option BG initiate onceagainst, System will list this BG and click on user reference to get the detailsof BG on the screen for initiation by completing the information required.You can also click on initiate button to initiate the request. System will displayBG verification screen. Here you can confirm the initiation by clicking confirmbutton or change the details by clicking change button or completely deletethe BG by click delete button or you cancel the latest modification done byclicking cancel button.On clicking confirmation button system will insist for your transactionpassword. Enter the same correctly and click submit button.Thereafter, system will display letter of confirmation screen.

Modify Bank Guarantee

By invoking this option you can modify a BG which is in initiated or semi-authorized status.On click this option, system will display List for BG - Modification screen withselection provision for stating some selection conditions like user referencenumber, initiation date range, status of BG.After providing the selection conditions click the search button.System will display the BGs which are matching the conditions.Click on user reference to view more details of the BG.Modify the details which you wish to modify and click save button to save thechanges or click modify button to modify the BG.On click modify button, system insist for transaction password. Enter thetransaction passwords correctly and click submit button.System will display BG verification screen. Click confirm button to confirm themodification or cancel button to cancel the modification done or changebutton to further change the details of BG.On clicking confirm button system will display BG confirmation screen with allthe details of BG and audit details of the record.

View Bank Guarantee

Here you can view the issued or under process BG details.On click of the option view Bank Guarantee, system will display list of BGs view screen. This screen will have provision for stating some of theselection conditions for the purpose of searching BGs.

You can select one of BG TYPE i.e. either under process BGs or IssuedBGs.Under each type of above stated BGs, you can mention conditions likecorporate, status, initiation date range and user reference.After selection of required type of BG and mentioning the selectionconditions if you click on search button, system will display the list of BGsmatching the given conditions.The list displayed by the system will contain details like user reference,initiation date, issue date, expiry date, amount of BG and status of eachBG.Under Process BG Type will have one of the status like initiated ( NotAuthorized), Semi-authorized (further authorization required), authorized

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(authorization complete but not reached the Bank), rejected by theauthorizer, sent to host ( reached the bank ), rejected by the host(rejected by the bank) and hold ( Bank is yet to process the BG).Issued BG Type will have one of the status like accepted by the host orliquidated or closedIn case you required to see more details of a particular BG listed by thesystem on the basis of search conditions given by you, click on userreference number of the respective BG. System will display Bank

Guarantee details screen containing all the details of BG.

TRADE BILLS

This consists following options

View Export BillsView Import Bills

View Export Bills

Here you can view details of the export and inland sales bills.

On click of the option view export bills, system will take you to view exportbills screen. This screen will have provision for stating some of theselection conditions for the purpose of searching Export billsYou can mention conditions like collection reference number, Corporatename, operation status (like all operations, payment, purchase,negotiation, discounting, collection, and acceptance) and date rangebasing on maturity date or lodgment date.After required selection condition is given, if you click on search button,system will display the list of Export/Inland sales Bills matching the givenconditions.The list displayed by the system will contain details like contract referencenumber, product type, bill amount, maturity date, status and customername.In case you required to see more details of a particular Bill listed by the

system on the basis of search conditions given by you, click on contractreference number of the respective Bill. System will display Bill detailsscreen containing the details like bill amount, outstanding amount, billoperation type, maturity date, lodgment date, etc., for the respective bill.Click on View list to go back to previous screen.

View Import Bills

Here you can view details of the import and inland purchase bills.On click of the option view import bills, system will view import billsscreen. This screen will have provision for stating some of the selectionconditions for the purpose of searching Export billsYou can mention conditions like reference user number, corporate name,operation status (like all operations, discounting, advance, collection, andacceptance) and date range based on maturity date or lodgment date.After required selection condition is given, if you click on search button,system will display the list of Import/Inland purchase Bills matching thegiven conditions.The list displayed by the system will contain details like contract referencenumber, product type, bill amount, maturity date, status and customername.In case you required to see more details of a particular Bill listed by thesystem on the basis of search conditions given by you, click on contractreference number of the respective Bill. System will display Bill detailsscreen containing the details like bill amount, outstanding amount, billoperation type, maturity date, lodgment date, etc., for the respective bill.

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Click on View list to go back to previous screen.

OTHER OPTIONS

Change Password

This menu option is provided on the top right corner of the screen

Click this menu option to make the system to display change passwordscreenIn change option box, select login password or transaction password fromthe drop down listEnter the present login or transaction password as the case may in Enter oldpassword boxEnter the new passwords two times in Enter new password and Confirmnew password boxes.Some of the rules while changing the passwords is given for your informationat the bottom of the screen.Click change button to change the passwordsClick clear button clear the inputs given by you

Log off / Logout

This menu option is provided on the top right corner of the screen and bottomleft corner in the screen.This menu option can be used by you for proper logoutAfter clicking this menu option system will display log off confirmation screenwith the details of various activities carried out by you during the currentsession with the date and time stamp.Click clear all windows button for proper logout and end of session.You can take print of this screen if you desire

Activity Log

This menu option is provided on the top right corner of the screen.This menu option can be used by you for seeing the various activities carriedout by you during the current session.After clicking this menu option system will display session summary historyfor the current session which consists of various activities carried out by youduring the current session with the date and time stamp and description.You can take print of this screen if you desireThe report included the details of logins, with date and time, along withdetails of activities carried by the user through the internet.It also provides details of the account number accessed and nature of activitycarried out.