Contents

1. Preface

1.1 Introduction

1.3 Documentation Accessibility

1.4 Organization

1.5 Related Documents

1.6 Glossary of Icons

2. Term Deposits - An Overview

2.1 Introduction

2.2 Term Deposit in Oracle FLEXCUBE

2.2.1 Salient Features

2.2.2 Pre-requisites for TD Processing

3. Term Deposit Maintenance

3.1 Introduction

3.2 Pay-in Parameters

3.2.1 Maintaining Pay-in Parameters

3.2.2 Specifying UDF Values

3.2.3 Validations for Pay-in Accounts

3.2.4 Viewing Pay-in Parameters Summary

3.3 Closing Mode

3.3.1 Maintaining Closing Mode

3.3.2 Specifying UDF Values

3.3.3 Viewing Closing Modes Summary

3.4 Account Class for TD

3.4.1 Maintaining Account Class for TD

3.4.2 Account Details Tab

3.4.3 Maintaining Deposit Details

3.4.4 Maintaining Denominated Deposit Details

3.5 Interest Preferences for TD

3.5.1 Setting Up Interest Preferences for TD

3.5.2 Specifying Accounting Roles for Unclaimed Deposits

3.5.3 Linking TD Account Class to Interest Product

3.5.4 Linking Main Interest Rate UDE

3.6 Floating Interest Rates

3.6.1 Maintaining Floating Interest Rates

3.6.2 Maintaining Parameters for Premature Withdrawal of TD

3.6.3 Calculating Interest Rate during Normal Maturity of a TD

3.6.4 Calculating Interest Rate during Partial redemption of a TD

3.6.5 Calculating Interest Rate during Pre Closure of a TD

3.6.6 Calculating Interest Rate Based on Cumulative Amount

3.7 Pre-closure Factor Maintenance

4. TD Account

4.1 Introduction

4.2 Creating a Deposit Account

4.2.1 Creating a Deposit Account

4.2.3 Viewing Amounts and Dates

4.2.4 Nominee Tab

4.2.5 Dual Currency Deposit Tab

4.2.6 Check List Tab

4.2.7 Capturing Additional Details

4.2.8 Viewing Term Deposit Account Details

4.3 Viewing Recurring Deposit Details

5. TD Additional Details

5.1 Introduction

5.2 Capturing Additional Details

5.3 Specifying Interest Details

5.4 Specifying Charge Details

5.4.1 Specifying Product Details

5.5 Specifying Linked Entities

5.6 Specifying Restrictions

5.7 MIS Details

5.7.1 Specifying MIS Details

5.7.2 Viewing Change Log

5.7.3 Viewing Transfer Log

5.8 Specifying Statement Details

5.9 Specifying Joint Holder Details

5.10 Capturing User Defined Fields

5.11 Specifying Account Signatory Details

5.12 TD Payout Details

5.12.1 Indicating TD Payout Details

5.12.2 Term deposit Tab

5.12.3 Bankers Cheque/DD Tab

5.12.4 Specifying PC Details

5.12.5 Capturing Payout Interest Details for Child TD

5.12.6 Interest Tab (interest preferences for Child TD)

5.13 Deposit Tab (Deposit Preferences for Child TD)

5.14 Viewing Change Log

5.15 Interest Payout Details for Banker’s Cheque / DD and PC

5.15.1 Capturing Interest Payout Details for Banker’s Cheque / DD and PC

5.15.2 Banker’s Cheque / DD Tab

5.16 Viewing Rollover History Details

5.17 Specifying Document Details

5.18 Specifying Denominated Deposit Details

5.18.1 Denomination Allocation

5.19 Rollover Details

5.20 Maintaining Amount Blocks

5.20.1 Viewing TD Summary

5.21 Deposit Instructions

5.21.1 Specifying Deposit Instructions

5.21.2 Specifying UDF Values

5.21.3 Viewing Instruction Summary

5.22 Input and Authorization Limit Validation for TD and RD

6. TD Operations

6.1 Introduction

6.2 Topping-up a TD

6.2.1 Viewing Top-up of Term Deposits Summary

6.3.1 Redeeming a TD

6.3.2 Capturing Denominated Deposit Certificate Details

6.3.3 Capturing Pay Out Details

6.3.4 Cheque/DD Details Tab

6.3.5 Counter Party Details Tab

6.3.6 Capturing Interest Details

6.3.7 Interest Tab

6.3.8 Deposit Tab

6.3.9 Authorizing Transaction

6.3.10 Viewing TD Redemption Details

6.4 Premature Redemption of Top-up Deposit

6.5 Premature Redemption of ‘Rate Chart Allowed’ TD

6.5.1 Rate Pick-up and Interest Recalculation for the Redemption Amount

6.5.2 Rate Pick-up and Interest Recalculation for the Remaining Principal

6.5.3 Recovering Paid Interest from the Redemption Amount

6.6 Generate or Print TD Certificate

6.6.1 Generating or Printing a TD Certificate

6.6.2 Capturing Regular Deposit Details

6.6.3 Capturing Denominated Certificates Details

6.6.4 Certificate Re-denomination

6.7 Closing a TD

6.8 Transferring to Unclaimed Deposit on Maturity

6.8.1 Moving Principal and Interest to Unclaimed GLs

6.9 Closing TD by Payout to Loan Account

6.9.1 Viewing TD Execution Log

6.10 Simulate TD

6.10.1 Simulating TD

6.10.2 Generating and Viewing Account Certificate

6.10.3 Specifying Interest Details for Simulated Account

6.11 Simulate TD Opening

6.11.1 Simulating TD Opening

6.11.2 Deposit Input

6.11.3 Simulation Details

6.11.4 Creating Term Deposit

6.11.5 Specifying Interest Details for Simulated Account

6.12 Simulating TD Rollover

6.12.1 Rollover TD

6.13 Simulating TD Top Up

6.13.1 Topping up TD

6.14 Simulating TD Redemption

6.14.1 Redeeming a TD

6.15 Deposit Audit Trail Inquiry

6.15.1 IC Batch Processing

7. RD Operations

7.1 Introduction

7.2 Payment Details

7.2.1 Capturing Payment Details

7.2.2 Viewing Accounting Entries

7.2.3 Specifying UDF Values

7.2.4 Viewing Payment Summary

7.3 Reversing Payment

8. Annexure A - Accounting Entries

8.1 Accounting Entries and Advices for TD

8.3 Amount Tags

8.4 Accounting Roles

8.5.1 TD Top-up Advices

8.5.2 TD Maturity Date Change Advices

8.5.3 Redemption Advices

8.5.4 Rollover Advices

8.5.5 TD Advices

8.5.6 TD Renewal Simulation Advice

8.5.7 TD Top Up Simulation Advice

8.5.8 TD Redemption Simulation Advice

8.6 Event-wise Accounting Entries for Products

8.6.1 TD with Capitalization

8.6.2 Normal TD with Simple Interest

8.6.3 TD with Rate Chart Allowed

8.6.4 Recurring Deposit Scheme

8.6.5 Discounted Deposits

9. Annexure B - IC Rule Set-up

9.1 Introduction

9.2.1 IC Rule Maintenance

9.2.2 Capitalized Deposit with Penalty

9.2.3 TD with Normal Tenor and Penalty

9.2.4 Recurring Deposit Rule

9.2.5 Rate Chart Allowed with Penalty

9.2.6 UDE Value Maintenance

9.2.7 TD with Capitalization

9.2.8 Normal TD with Simple Interest

9.2.9 TAX_RATE TD with Rate Chart Allowed

9.2.10 Recurring Deposit Scheme

9.3 IC Rates Maintenance

10. Reports

10.1 Introduction

10.2 Customers Fixed Deposit Report

10.2.1 Contents of the Report

10.3 TD Full Balance Listing Report

10.3.1 Contents of the Report

10.4 Large FD Report

10.4.1 Contents of the Report

10.5 Deposit Detail Summary by Total Amount Report

10.5.1 Contents of the Report

10.6 Interest Paid Report

10.6.1 Contents of the Report

10.7 TD Statement of Accounts Report

10.7.1 Contents of the Report

10.8 TD Account Class Summary Report

10.8.1 Contents of the Report

10.9 Term Deposits Opened for the Period Report

10.9.1 Contents of the Report

10.10 Term Deposits Closed for the Period Report

10.10.1 Contents of the Report

10.11 Term Deposits Account Renewed Report

10.11.1 Contents of the Report

10.12 Term Deposits Account Maturity Report

10.12.1 Contents of the Report

10.13 Term Deposit Account Maturity Date Change Report

10.13.1 Contents of the Report

10.14 TD Account Maturity Date Falling on a Holiday Report

10.14.1 Contents of the Report

10.15 TD Account Maturity Date not Adjusted Report

10.15.1 Contents of the Report

10.16 Customer-wise Tax Deduction Report

10.16.1 Contents of the Report

10.17 Term Deposits Exceeding Lien Limits Report

10.17.1 Contents of the Report

10.18 Unclaimed Deposits Transferred for a Day

10.18.1 Contents of the Report

10.19 Term Deposits Topped-up During the Period

10.19.1 Contents of the Report

10.20 Ad-Hoc Combined Statement

10.20.1 Charge Details

10.20.2 Combined Statement Generation Report

11. Function ID Glossary