Category: Finacle

Finacle is a core banking system which used by banks or Post Offices to process various tasks and update their databases based on the kind of operations performed.

  1. Customer detail update
  2. Any financial transaction.
  3. Periodic operations such as interest calculation, standing instruction, recurring payment etc.

Thus various commercial, online and may be forex banking services are provided. It is known for its various facilities as :-

  1. Flexible reporting.
  2. Interactive interface.
  3. Normalised databases structure.
  4. High speed processing capability.
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SOP for Two-Factor Authentication in IPPB Finacle

SOP for Two-Factor Authentication in IPPB Finacle

This post dives into the implementation of Two-Factor Authentication (2FA) within IPPB’s Core Banking System (CBS) powered by Finacle. We’ll explore the one-time registration process, authentication using a one-time password (OTP), and subsequent management of user mobile numbers.

  • Click below to download SOP

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1.0 Introduction

Two-factor authentication, also known as multi-factor authentication (MFA), is a critical security measure employed in banking applications. It adds an extra layer of protection by requiring not just a username and password, but also a second verification factor. This significantly reduces the risk of unauthorized access to the system.

By implementing 2FA in CBS-Finacle, IPPB reinforces its information security posture. This enhanced security applies not only to bank users but also to end-users and officials with authorized access to specific CBS menus.

2.0 Important Terms and Abbreviations

  • Two-Factor Authentication (2FA): A security protocol requiring two distinct forms of identification for a user attempting to access an application or system.
  • OTP (One-Time Password): A temporary, unique password generated for user identification during login and typically used as an additional layer on top of a primary password.
  • ROTP (Register One-Time Password): A dedicated CBS menu within Finacle that allows users to register their mobile number for receiving OTPs for login authentication.
  • COTP (Challenge One-Time Password): A CBS menu used to trigger an OTP generation every time a user logs into Finacle.
  • MOTP (Maintain One-Time Password): A CBS menu specifically for Circle CBS UAR SPOCs (User Access Review Single Point of Contact) and the CBS Admin team. This menu facilitates changing the registered mobile number for a CBS user.
  • UAR (User Access Review): A periodic review process conducted for CBS access. Each Circle and department designates two officials as CBS UAR SPOCs. These SPOCs collaborate with the CBS Admin team to gather user access data and conduct the review. Additionally, they are assigned roles with appropriate work classes enabling them to perform specific actions like password resets.

3.0 Implementation Details

The following sections will detail the user registration, login authentication, and subsequent management of mobile numbers for 2FA in IPPB’s CBS-Finacle system:

  • 3.1 User Registration: (Details on the one-time registration process using the ROTP menu to link a mobile number for receiving OTPs)
  • 3.2 Login Authentication: (Explanation of the login process using username, password, and the OTP received on the registered mobile number)
  • 3.3 Management of Registered Mobile Number: (Information on how to update the registered mobile number using the MOTP menu, potentially requiring assistance from a CBS UAR SPOC)
SOP for Two-Factor Authentication in IPPB Finacle
SOP for Two-Factor Authentication in IPPB Finacle

IPPB WEBSITE

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General Instructions to SPMs regarding POSB operations

 

General Instructions to SPMs regarding POSB operations

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While performing voucher checking at SBCO, many irregularities are noticed which leads to raise in OMs. Hence to avoid unnecessary increase in number of OMs and also to save time, the below general instructions may please be followed strictly.

CONSOLIDATION:

  1. Vouchers have to be arranged according to TRANID duly stitched and
  2. Total No. of vouchers should be written in both BO and SO consolidation.
  3. Total No. of closed passbook should be written in the consolidation.
  4. Date stamp should be impressed in the consolidation.
  5. SPM should duly sign in the consolidation affixing his/her Designation
  6. Any corrections in the consolidation must be supported with an Error Entry.

SB -103 / PAY – IN SLIP :

  1. Office Name Stamp has to be affixed in all vouchers.
  2. Scheme code Transaction ID has to be written in red ink in all vouchers.
  3. If new account opened, depositor only should sign in the place of signature of depositor.
  4. If deposit made above 50000/- PAN No. should be written.
  5. If deposit made for LTI customer, witness obtained with full address.
  6. If any correction made in A/C No. , Date and Amount in both words and figure get depositor Sign in that place to avoid OMs.
  7. Avoid using white papers, counterfoils for pay –in-slip (SB-103).
  8. If account opened through agent, agent details and agent receipt no. has to be noted in Original AOF and Pay-in-slip.

SB-7 / WITHDRAWAL:

  1. BPM can allow Withdrawal upto Rs.20,000/-
  2. If the amount withdrawn is above 20000 at BO, two BO date stamp (one in application side and other in payment side) SO Date stamp for passing the withdrawal should be impressed in all vouchers.
  3. More than one withdrawal in the same a/c should not to be allowed in BO’s in the same day.
  4. Withdrawal done through LTI, LTI certificate should be affixed separately in application and acquittance side, witness obtained with full address.
  5. Withdrawal done through guardian, MINOR certificate should be affixed separately in both application and acquittance side with full address.
  6. For loan withdrawal, certificate has to be made on and no of instalments required for repayment form SB-7C has to be used.
  7. In any case, BPM should not act as witness for LTI transactions.
  8. If account opened through agent above 20000, then cheque is to be used for funding the new account.
  9. New accounts opened through funding from SB account, the customer should give endorsement for opening of new account with attestation.
  10. Messenger withdrawal shall not be allowed, if done –form 12 should be attached with full details.
  11. In case of Cheque withdrawal, SS verification, pay cash and paid cash has to be
  12. In case of SSA half withdrawal – only up to 50% of the balance of the proceeding financial year.
  13. The SSA amount of withdrawal will be restricted to the actual requirement of money for Education or 50 % of the balance whichever is less.
  14. As per SB order 08/2022, NEFT/RTGS facility is available for POSB Account For this, if any NEFT/ RTGS transactions performed at counter at the end of the day, user should forward the NEFT mandate form along with SB-7 form or POSB cheque to SBCO.

CLOSURES:

  1. Revised SB-3 card should not be attached for closures; SPM should certify “Original AOF is not traceable after making all efforts” and signed.
  2. Passbook should be attached with last balance and date stamp for all closures in single and double handed Post offices for TDA type of accounts.
  3. For PMC form SB-7B has to be used.
  4. If account transfer from one office to another, form SB 10B should be attached with AOF.
  5. TD PMC – completed year TD rate of interest minus 2% and remaining completed months SB rate of interest – counter PA to check it before closing the account.
  6. SCSS PMC – reason code should be correctly chosen, AB2 for > 2 years and BT1 for between 1 and 2 years.
  7. For RD full maturity, if customer has loan A/c first close the loan account and then RD account should be closed. In case of RD PMC loan account should not be closed.
  8. Closure of matured RD account having outstanding RD loan/interest is not allowed through ECS outward facility, due to adjustment of RD loan/interest paid through office account (SOL ID+0023) from maturity value. The same shall be done only through Cash (below 20,000)/Transfer to Account holder’s PO Savings Account.
  9. For RD death claim closure, the closure amount should be given by cheque or transferred through ECS, if SB credit is given; it is treated as PMC – short payment to claimant.
  1. SCSS death claim closure – SCSS a/c not matured – date of death falls before maturity, Interest adjustment to be made in HINTTM –
  • Int table code as –SBINT/SBRAT after date of death.
  • Value date – 1 date more than actual date of death.
  • Reason code – DTCLAIM
  1. SCSS death claim closure – SCSS A/c matured – date of death falls before maturity, Interest adjustment to be made in HIARM – Calculation sheet to be attached and sent to SBCO for Interest Adjustment.
  2. As per SB order 23/2022 Postmaster’s cheque shall not be issued for maturity/pre- mature/closure amount of accounts of all the schemes of POSB except KVP NSC bulk closure through CNSBCV.
  3. As per SB order 09/2021, provision of Payment of MIS/SCSS/TD accounts Monthly/Quarterly/Annual interest amount and maturity value of MIS/SCSS/TD/RD/KVP/NSC into account holder’s Bank Account by CBS Post offices has been introduced. Hence, while performing such transactions ECS mandate form along with cancelled cheque leaf/copy of first page of passbook duly attested by the depositor to be attached with account closure form/premature account closure form and sent to SBCO along with vouchers.
  4. As per SB order 23/2022, payment of maturity value of SBA type of accounts SB/PPF/NSS/SSA into account holder’s Bank Account by CBS Post offices has been introduced. Hence, while performing such transactions
  5. ln transaction remark SOL lD- Scheme- account number should be entered.
  6. Copy of the ECS Advice report should be printed and attached to the closure voucher.

DELETED / UNVERIFIED / MANUAL POSTING IN SAP :-

  1. SPMs are instructed to maintain separate register for deleted transaction entries in Finacle and copy of the reason for deletion may be forwarded separately to SBCO to avoid OMs.
  2. SPM s are instructed to check unverified transactions on daily basis using HAFI menu before giving EOD to avoid unnecessary increase in OMs.
  3. In respect of post offices where GL integration is completed manual postings should not be made in SAP. In case of any such manual entry, appropriate D.O Sanction/Order should be enclosed and forwarded to SBCO along with

 

General Instructions to SPMs regarding POSB operations
General Instructions to SPMs regarding POSB operations

EMPLOYEE CORNER

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Pineapple Book : Comprehensive guide for Post Office Finacle

In this Post we have provided link of Pineapple Book : Comprehensive guide for Post Office Finacle

This Book will help employees to understand finacle basics. steps to perform a transaction is mentioned in this book. Download this Book PDF.

Pineapple Book : Comprehensive guide for Post Office Finacle
Pineapple Book : Comprehensive guide for Post Office Finacle

 

 

Thanks to Team of PO Updates.
Courtesy : https://poupdates.blogspot.in/

 

Pineapple book finacle pdf
Pineapple book finacle menu
finacle book
finacle training material pdf
finacle study material
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Finacle SAP update 11.01.2023

Finacle SAP Update – Both Finacle and SAP Working Normally.

@ 0500 hrs

Both Finacle and SAP Working Normally.

CEPT MESSAGE


Dear All, Rollback to DC is finished and SAP ECP is accessible now. All applications IPVS/DPMS/EP are also accessible . Any issues encountered may kindly be posted. McCamish is also accessible.

PLI is up and can be accessed with old URL which is 172.16.20.44/Dashboard/Loginsuccess.action#

All Applications are accessible

Internet Banking, PLI Customer, Agent Portal and Employee Portal IRJ are also accessible

Note: No need to change DNS. all old and new DNS are up. But please ensure the following DNS are configured.

172.19.64.12
172.19.64.11
172.19.64.13
172.19.64.14
172.19.64.15
172.19.64.16
172.19.64.17
172.19.64.18
172.16.20.26
172.24.20.26

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Finacle HTV Menu Restriction – DOP Order

Finacle HTV Menu Restriction - DOP Order

Finacle HTV Menu Restriction Order by DOP – in Some offices it was being used to avoid individual verification

Letter NumberFile No. FS-109-27/2019-SB
Letter Dated10.10.2022
Issued byDepartment of Posts
(F.S. Division)
SubjectRestriction of HTV Menu in CBS Finacle System for the field units
Signed ByTC VIJAYAN (AD SB-I)
Download PDFClick Here

HTV Menu in Finacle CBS System is available for verification of transactions by the Supervisor (Checker) in bulk and ideally this menu is to be executed only during crisis time. But, it has come to the notice of this office that this menu is being used in Post Offices to avoid verification of individual transactions by the Supervisors (Checkers).

In order to ensure correctness of the transactions entered by the Counter Official (Maker of the transaction), it is essential to verify each transaction by the Supervisor (Checker).

Therefore to avoid wrong practice of bulk verification of transactions using HTV menu, it has been decided by competent authority to restrict the use of HTV menu for the field units.

It is requested to circulate it to all concerned for information.

This is issued with the approval of competent authority.

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Steps to resolve finacle not opening through DOP CSI POS after 4.6 Version update

Steps to resolve finacle not opening through DOP CSI POS after 4.6 Version update | Finacle Error Solution with detailed procedure

Steps to resolve finacle not opening through CSI POS after 4.6 Version update.

1. Double click on This PC (Windows 10 PC) in the desktop

2. Go to C drive by double clicking Local Disk (C: ) and double click on POS folder

3. Double click on Application folder

4. Double click on Counter folder

5. Double click on build folder

6. Double click on Version Folder

7. Right click on latest.version folder and click on Open with Below screen will appear

8. Click on More apps and choose Notepad as below and click OK Below Screen will appear.

9. Rename 4.6 to 4.5 (Just remove 6 and type6 , remaining characters should not be changed)

10. Click on File and click on Save. Close the

11. Again go the C drive . Double click on POS folder, double click on Application folder and Double click on Counter folder. Below screen will appear.

12. Now double click on PTC_3.1. Double click on start (start.bat) as shown below

13. Click on Get latest version. Click OK.

After this finacle will open through POS.

Download DOP CSI POS Version 4.6 Update Finacle error resolution PDF

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DOP CBS Finacle reports on MIS portal

DOP CBS Finacle reports on MIS portal

CEPT MIS Dashboard Reports | Availability of various DOP CBS Finacle reports on MIS portal | Common MIS Dashboard of CEPT

F. No. FS-13/7/2020-FS-Part(1)
Government of India
Ministry of Communications
Department of Posts
(Financial Services Division)

Dak Bhawan, New Delhi-110001
Dated 16/06/2022.

Subject: – Regarding availability of various CBS reports on MIS portal

This is regarding availability of various CBS related reports on MIS portal (mis.cept.gov.in) at link (https://mis.cept.gov.in/CBS/Dbt_Dash.aspx). The following CBS related reports are available on the portal: –

  • Aadhaar Seeding Report
  • ATM Card Count Report
  • ATM Transaction Report
  • Channel Transaction Report
  • DBT Report
  • Internet/Mobile Banking Registration Report
  • Nil Transaction Office Report
  • Product Wise A/C Report
  • Transaction Summary Report
  • APY/PMSBY/PMJJY Report
  • Silent Account Report
  • Live Accounts/Savings Certificates Report

Details of various reports available at MIS Portal are annexed for reference. All operative, account and administrative offices including post offices, SBCO, Sub Divisional Office, Divisional Office, Regional Office, PAO and Circle Office shall generate these POSB reports from the MIS portal (URL: mis.cept.gov.in) instead of generating the same from Finacle.

Further, administrative and accounts wing including FS Division and PA Wing need not call for any of the above report from the field units. These reports can be generated directly from the MIS portal.

This issues with the approval of competent authority.

Enclosed: As above Yours Sincerely

(Devendra Sharma)
Assistant Director (SB-II)

CBS Reports in MIS Portal

The following CBS related reports are available in MIS Portal mis.cept.gov.in

1. Aadhaar Seeding Report:

This report will be available on daily basis (T-2)
Report can be generated based on the input given from Circle/Region/ Division/Sub Division level Report
For the period and As on data shown based on the input given on start/end date
BO details are available from 01/05/2022

2. ATM Card Count Report:

This report will be available on daily basis (T-1)
Report can be generated based on the input given from Circle/Region/ Division level Report
Card Issued of the period, Total Card Issued, Card in Stock and Pending Ack Count data shown based on the input given on start/end date.

3. ATM Transaction Report:

This report will be available on daily basis (T-1)
Report can be generated based on the input given from Circle/Region/ Division level Report
ATM Transaction and Nil Transaction ATM details can be selected
ATM Transaction has DOP ATM Cards/Other ATM Cards and Summary data shown based on the input given on start/end date.
Nil Transaction ATM has ATM Office Name, SOLID, ATM ID data shown based on the input given on start/end date.

4. Channel Transaction Report:

Generation of report will be consumed on daily basis This report will be available on daily basis (T-2)
Report can be generated based on the input given from Circle/Region/ Division level Report :
IPPB Channel and Internet/Mobile Banking Transactions can be selected IPPB Channel and Internet/Mobile Banking has the product group of PPFGP, RD, SBBAS, SBSGP, SPNGP, SSA data shown based on the input given on start/end date.

5. DBT Report:

This report will be available on daily basis (T-2)
Report can be generated based on the input given from Circle/Region/ Division/Sub Division level Report
Count and Amount of Success/Rejected figures for Account Based Credit (ACH) and Aadhaar Based Credit (ABH) data shown based on the input given on start/end date.

This report can be obtained up to BO level

6. Internet/Mobile Banking Registration Report:

This report will be available on daily basis (T-2)
Report can be generated based on the input given from Circle/Region/ Division level Report
This report can be generated for the Period and As on date — Count of Registered customers for Internet and Mobile Banking based on the input given on start/end date.

7. Nil Transaction Office Report:

This report will be available on daily basis (T-2)
List of POs (HO/SO/BO) with NIL transactions can be generated
Report can be generated based on the input given from Circle/Region/ Division level Report
HO/SO and BO Office count data shown based on the input given on start/end date.

8. Product Wise A/C Report:

Generation of report will be consumed on daily basis
This report will be available on daily basis (T-2)
Report can be generated based on the input given from Circle/Region/ Division/Sub Division level Report
Net Addition of Account and Certificates, Account Opened and Closed Details can be selected
Net Addition of Account has A/c Opened, A/c Closed and Total (Diff b/w closed and opened) and Net Addition of Certificates (Issued & Discharged) and Total (Diff b/w Discharged and Issued) data shown based on the input given on start/end date.

Account Opened Details has product group of SCSS, RD, SBSGP, TD, PPFGP, MIS, NSC8, KVN, SSA data shown based on the input given on start/end date.
Account Closed Details has product group of KVN, KVP, MIS, NSC8, NSC9, NSS87, NSS92, PPFGP, RD, SANPG, SBBAS, SBSGP, SCSS, SDIGP, SPNGP, SSA, TD data shown based on the input given on start/end date.

9. Transaction Summary Report:

This report will be available on daily basis (T-2)
Report can be generated based on the input given from Circle/Region/ Division/Sub Division level Report
RICT (Account Open, Deposit, Withdrawal) and Counter Transaction Summary (Total Transaction, Deposit Amount, Withdrawal Amount) data shown based on the input given on start/end date.
This report can be obtained up to BO level

10. APY/PMSBY/PMJJY Report:

This report will be available on Monthly basis. This report will provide count of APY/PMSBY/PMJJBY accounts as on end of the month
Report can be generated based on the input given from Circle/Region/ Division/Sub Division level Report Month/Year to be selected

11. Silent Account Report:

This report will be available on Monthly basis
Report can be generated based on the input given from Circle/Region/ Division/Sub Division level Report
As on data of Silent Account has the scheme code of SBBAS, SBCHQ, SBDIS, SBGEN, SBPWC, SBSAN, SBSWC are shown by selecting the month/year This report can be obtained up to BO level

12. Live Accounts/Savings Certificates Report:

This report will be available on Monthly basis
Report can be generated based on the input given from Circle/Region/

Division/Sub Division level Report

Count of POSB Live Accounts has the product group of MIS, NSS87, NSS92, PPF, RD, SANPG, SBBAS, SBSGP, SCSS, SDIGP, SPNGP, SSA, TD and Total of POSB Live Accounts are shown by selecting the month/year
Count of PPF/RD Loan Accounts are shown by selecting the month/year As on end of month Savings Certificates has the product group of KVN, KVP, NSC8, NSC9 and Total of Certificates are shown by selecting the month/year

This report can be obtained up to BO level

Download Circular on availability of various CBS reports on MIS portal in PDF

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Finacle Menu List 2023 – Module Wise

Finacle Menu List

DOP Finacle : Module Wise Menu List – Finacle Menu List

Here below the Finacle Menu list 2023 Which is very useful for Post Office Counter Staff and Supervisors. This List is available as per scheme wise.

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