RD Closure error - Withdrawal amount exceeds the difference between the principal and lien amount in DOP Finacle


  • When an RD account is closed we get the error sometimes as " Withdrawal amount exceeds the difference between the principal and lien amount " 
  • The screen shot of the above error is attached below


Root Cause of the problem:- 

  • The above problem arises when RD loan principal amount is fully paid before migration i..e., If the loan account is opened before migration ( in Sanchay Post) and the loan amount is fully paid in sanchay post.
  • In this case Loan account number will not be generated during migration but for loan interest LIEN will be marked for the corresponding RD account.

Solution for the above problem


  • Before closing the RD account LIEN should be removed by invoking the menu HALM.
  • Invoke the menu HALM and select the function as modify, enter the account number and modify the LIEN amount to 0(zero) submit the transaction.
  • Charge the amount in RD loan interest in the cash account.
  • Verify the same in the supervisor using the menu HALM.
  • Charge the LIEN amount as RD loan interest in the SB cash.

9 comments

i want to know that when somebody have taken a loan on RD a/c & want the account to be closed ( premature ) then which commands are used to close the RD account.

good everyone i want complete solution for Rd account closure on maturity when loan has been taken.can anyone please help me in this regard step by step my email i.d is mohityadav06@gmail.com

Solution is available in POST OFFICE FINACLE GUIDE UNDER RD CATEGORY

In finacal i want to change my DSA. Is it possible so what is process.

In finacal i want to change my DSA. Is it possible so what is process.

What will happen if the loan account closure is done in case of premature rd closure in finacle ??

Rd loan account closure time error in hpayoff field must be entered

Rd loan account closure time error currency 0 is not available kindally sir please resolve the solutiy


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