Migration of ECS Outward credit to NACH

Migration of ECS Outward credit to NACH

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Dear Sir/Madam,

I am directed to convey the following

This is regarding migration of ECS Outward Credit (MIs & SCSS Interest) from RECS (RBI Platform) to NACH.

As per RBI instructions, we need to migrate existing Outward credit from RECS platform to NACH. As part of this activity, ECS Outward credits which were  happening from ECS Nodal offices from the below circles are being centralised at Chennai GPO, being Nodal office for NACH wef 14/12/2018.

Andhra Pradesh
Bihar
Karnataka
Kerala
Madhya Pradesh
Maharashtra
Odisha
Telangana
Tamilnadu
Uttar Pradesh

Patches for updating Chennai GPO as Service SOL has been deployed on 13/12/2018. The POs which were earlier generating ECS txt file need not generate the files from 14/12/2018.

It is also seen from first day's file that several long dated transactions were included in the ECS txt file. We wil be forwarding list of OUTWARD credits entries pertaining to older periods for confirmation from PO on whether these payments were made manually.

Revised process for uploading ECS Credits

1. Chennai GPO has been configured as Service branch for all existing ECS enabled accounts.
2. Circle ECS Nodal centres will not generate ECS outward files from 14/12/2018.
3. Chennai GPO being nodal office will generate single ECS file invoking menu HEGOC  everyday without fail.
4. Chennai GPO will upload these files to NACH platform as per the existing procedure
5.Chennai GPO will account these ECS Outward credits MIS Wdl/ SCSS Wdl in their HO Summary .
6. Circle Nodal offices / HOs will not account these ECS Outward credits.
7. Rejections if any due to Invalid account number will be uploaded thru RECS till such time new account numbers are updated  against old account number.
8. NACH Rejections if any due to ACCOUNT CLOSURE at other bank end, will be communicated by Ch GPO to respective Circle / POs.
9. Concerned SOL will effect payment for NACH rejections on the day when customer visits respective PO by Debiting Chennai GPO ECS Suspense account (600001000098) till such time solution is automated.
10. The above instructions may please be communicated to ECS POs immediately .

Please revert immediately in case of any issues on the above

This has approval of competent authority.


Thanks and Regards
Gopinath S
Inspector Posts
Data Migration Command Centre(CBS)
Chennai 600 002
9962067155


Streamlining 0382 - Interim for cheques already cleared but not utilised in DOP finacle

Streamlining 0382 - Interim for cheques already cleared but not utilised in DOP finacle

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Dear Sir/Madam,

I am directed to convey the following

This is regarding the Interim solution for the issues reported on account of streamlining debit entries in office account 0382.

Post offices were not able to open new accounts or subsequent deposits due to following reasons

1. POs where cheques were cleared and credits available in 0382 office account , but the debit balance was made zero on 21/01/2019 for  the office account ( 0382).

2. POs where cheques were not lodged but office account 0382 was debited directly for opening new account and subsequent deposits. These POs have not followed the mandated cheque clearing process.

Though instructions were given to utilise the credits in 0382, many SOLs have failed to open new accounts / subsequent deposits for the credits which were available in 0382.

It is seen that many HOs are not using zone operations for cheque clearing. POs are directly debiting funds after cheques are cleared. Validations have been built to restrict transfer in CXFER. POs are requested to follow cheque clearing process scrupulously to ensure that sufficient funds are available in office account 0382 after regularisation of cheques. It is seen that only 3876 SOLs have credits in 0382 and 157 SOls are having credits in 0017 through zone operations for the month of January 2019.


It is suggested that the concerned HOs can lodge the cheques once again and credit 0382 account post approval of the concerned Division. These relodged cheques should not be sent to clearing house again as these cheques have already been accounted. We can allow this re-lodging till 29/01/2019. SOLs can regularise the zone and cheque amount can be utilised for deposits/account opening with the original clearing date as value date. This will also ensure that the SOLs under scenario 2 explained above, will commence zone operations and proper utilisation of 0382. Divisions to ensure that relodging is completed before 29/01/2019.


              Cheques pending for account opening/subsequent deposits to be consolidated and lodged on same day after approval from Divisional head.  It is responsibility of the POs to ensure that only those cheques which are cleared and accounted already but not utilised for account opening/subsequent deposits to be lodged again.

             
              Please revert in case of any issues.

              This has the approval of DDG FS sir.


Thanks and Regards
Gopinath S
Inspector Posts
Data Migration Command Centre(CBS)
Chennai 600 002
9962067155
Streamlining office accounts 0382 & 0017 accounts in DOP Finacle- Important

Streamlining office accounts 0382 & 0017 accounts in DOP Finacle- Important

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Dear Sir/Madam,

I am directed to convey the following

This is regarding the point (3) in trail mail

Balances in office account 0382 should always be 0 or in credit. Validations are to be deployed for not allowing DEBITS in office account 0382 if the balance of the account is in DEBIT. As part of this activity, debit balances in this office account (0382) will be nullified to zero after 15/01/2019. Henceforth, debit from this office account cannot be done if sufficient balance is not available. Suitable instructions to be issued to POs for following cheque clearing process correctly to ensure that necessary credits are available in 0382 office accounts before debiting. Further, circles should ensure that reconciliation in 0382 office account is completed and debit balances are tallied against necessary cheque clearance and the same is accounted in daily account. This exercise should be completed by all circles. Discrepancies if any to be reported immediately.

Due to technical issues, patch for nullyfying the debits was not deployed and necessary parameters have not been changed . This will be done on 21/01/2019.

It is learnt that several POs have not opened new accounts/posted subsequent deposits for the cheques which were cleared in earlier dates. Post deployment of this patch, POs will not be able to use these credits for account opening/subsequent deposits as their 0382 office account is already in Debit Balances.

All POs are requested to open new accounts /post subsequent accounts for the cheques where clearance is completed and balances are available in 0382 immediately. Sub Offices / HOs should open new accounts/post subsequent deposits for all cheques which got cleared on or before 21/01/2019 without fail. HOs are requested to inform their sub offices over phone/mail for the cheque cleared on 21/01/2019 to open new accounts/post subequent deposits on 21/01/2019 itself.

Please revert in case of any clarifications.


Thanks and Regards
Gopinath S
Inspector Posts
Data Migration Command Centre(CBS)
Chennai 600 002
9962067155

Streamlining office accounts 0382 & 0017 - Important

Streamlining office accounts 0382 & 0017 - Important

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Dear Sir/Madam,

              This is regarding streamlining the transactions in office accounts 0382 (For opening of account and subsequent deposit by other Bank Cheque) and 0017 (CLEARING DR. A/C. OUTWARD CLEARING). This streamlining process is to resolve the below issues

1.      0017 office account is used both for outward clearing (by system) and subsequent deposits including RD agent transactions .
2.      Several offices are not following cheque clearing process properly and debits for new account are made without proper credits resulting in huge debits in office account (0382).

New Procedure to be followed

1.      Cheques for New account Opening and Subsequent deposits should be lodged in office account 0382 ONLY (For opening of account and subsequent deposit by other Bank Cheque); from 01/01/2019 onwards. Cheque lodging will be allowed only in 0382.
2.      Office account 0017 will be accessed by SYSTEM only for cheque clearing operations wef 01/01/2019
3.      Balances in office account 0382 should always be 0 or in credit. Validations are to be deployed for not allowing DEBITS in office account 0382 if the balance of the account is in DEBIT. As part of this activity, debit balances in this office account (0382) will be nullified to zero after 15/01/2019. Henceforth, debit from this office account cannot be done if sufficient balance is not available. Suitable instructions to be issued to POs for following cheque clearing process correctly to ensure that necessary credits are available in 0382 office accounts before debiting. Further, circles should ensure that reconciliation in 0382 office account is completed and debit balances are tallied against necessary cheque clearance and the same is accounted in daily account. This exercise should be completed by all circles. Discrepancies if any to be reported immediately.

4.      Credits into 0382 will be only through cheque clearing and transfer could not be done from other office accounts. It is observed that some POs are debiting from other office accounts for crediting into 0382. Necessary validations are built to restrict credit from other office accounts and debit in this office account without credits.
5.      As interim procedure, offices can continue to debit 0017 for a period of one week (till 07/01/2019), during which all cheques lodged in 0017 prior to above configuration changes will get cleared and credited into customer accounts.

6.      Amount credited through clearing in office account 0382 upto 15/01/2019 should be utilised latest by 15/01/2019 itself, for account opening/subsequent deposits. Once the balance is made zero in the offices where 0382 is in debit balance, further debiting will not be allowed.

Configuration change along with deployment of patch

  • 0017 office account will be restricted for debit: Only 0382 will be allowed as debit account in all the account opening menus and CRDP / CPDTM; 0017 office account cannot be debited from08/01/2019.
  • Configuration change related to HAGTXP: This will be done for handling debit transactions through agent portal to 0382 office account instead of 0017 office account. [proposed to be done from 08/01/2019]. The cheques cleared in 0382 during the preceding week have to be kept pending for processing till 07/01/2019. Hence all the agent cheques which got cleared from 01/01/2019 to 07/01/2019 need to be kept pending for processing till 07/01/2019. Only from 08/01/2019, Cheque bulk list where credits are available in 0382 can be processed.
  • 0382 office account can be used for account opening and subsequent deposits (except Agent bulk) from 01/01/2019 to 07/01/2019.  Agent bulk list where cheques got cleared for the above period to be kept pending till 07/01/2019.
  • Exception handling: Any cheques lodged in 0017 upto 31/12/2018 and cleared after 07/01/2019, will be handled separately by allowing transfer between 0017 & 0382 for the specific SOLs . This will be done after receipt of mail from concerned circle CPCs. This process is only for clearing backlog cheques if any. 

Following will be the status of accounts, on successful completion of the above configuration / operational changes:

  • ​​0017 will be used for clearing operations only; this office account at SOs (non-clearing offices) will not be getting any transactions. 
  • 0382 will be either in credit or zero balance.
  • The balance amount transferred from 0017 to 0382 office account, will have supporting transactions in 0382 ledger which can be audited separately to check whether cheques for these amounts were cleared manually instead of processing through zone operations. A report will be provided to circles with details of office account and amount of debit cleared for reconciliation. Circles can use this report for reconciliation to ensure that debits have been accounted in their daily account/summary.
  • The debit transactions in 0017 other than clearing transactions, can be audited by circles separately to check whether cheques for these amounts were cleared manually instead of processing through zone operations.
  • Any clarification on the above may be referred to helpdesk.cbs@indiapost.gov.in

CPCs are requested to kindly forward the above instructions to POs immediately.

This has the approval of DDG FS sir.

Thanks and Regards
Gopinath S
Inspector Posts
Data Migration Command Centre(CBS)
Chennai 600 002
9962067155
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