Contents
1. Preface
1.1 Introduction
1.2 Audience
1.3 Documentation Accessibility
1.4 Organization
1.5 Related Documents
1.6 Glossary of Icons
2. Retail Lending – An Overview
2.1 Introduction
2.2 Loan Life Cycle
2.3 Interface with Other Modules
3. Maintenances and Operations
3.1 Inter Branch Account Maintenance
3.1.1 Maintaining Inter Branch Parameters
3.2 Lending Bank Parameters
3.2.1 Maintaining Bank Parameters
3.3 Consumer Lending Branch Parameters
3.3.1 Maintaining Branch Parameters
3.4 UDE Value Maintenance for Loans
3.4.1 Defining UDE Rules
3.4.2 Providing UDE Values
3.4.3 Applying the UDE Cascade Function
3.5 Adhoc Charge Maintenance
3.5.1 Maintaining Adhoc Charge Types
3.5.2 Maintaining Adhoc Charges
3.5.3 Events Button
3.6 Ad-hoc Charge Authorize
3.6.1 Authorizing Ad-hoc Charges
3.7 Holiday Period Maintenance
3.7.1 Maintaining Holiday Periods
3.8 Maintaining Check Lists
3.9 Maintaining System Data Elements
3.10 Maintaining Floating Interest Rates
3.11 Maintaining User Defined Policies
3.12 Maintaining Standard Policies
3.13 Maintaining Bulk Payment Preferences
3.13.1 Viewing Summary Records
3.14 Account Class Status Maintenance
3.14.1 Maintaining Account Class Status
3.14.2 Accounting Entries Button
3.14.3 Advices Button
3.15 Lending Event Class Maintenance
3.15.1 Maintaining Lending Event Class
3.15.2 Accounting Entries Button
3.15.3 Advices Button
4. Defining Product Categories and Products
4.1 Product Category
4.2 CL Product
4.2.1 Setting up a CL Product
4.2.2 Defining Other Attributes for a Product
4.2.3 Preferences Button
4.2.4 User Data Elements Button
4.2.5 Components Button
4.2.6 Role to Head Button
4.2.7 Account Status Button
4.2.8 Notices and Statements Button
4.2.9 Events Button
4.2.10 MIS Button
4.2.11 Fields Button
4.2.12 Credit Score Button
4.2.13 Min Amount Due Method Button
4.2.14 Branch/Currency Restriction Button
4.2.15 Customer Category Restriction Button
4.3 Defining Product Component Class
4.4 Processing of IRR Application on Loans
4.4.1 Recalculation of IRR with new effective date
4.5 Customized Promotion Products
4.5.1 Defining Customized Products
4.5.2 Preferences Tab
4.5.3 Components Tab
5. Account Creation
5.1 Loan Account Creation
5.1.1 Maintaining Loan Account Details
5.1.2 Main Tab
5.1.3 Preferences Tab
5.1.4 Holiday Preference Tab
5.1.5 Components Tab
5.1.6 Charges Tab
5.1.7 Linkage Details Tab
5.1.8 Advices Tab
5.1.9 Rollover Tab
5.1.10 Credit Score Tab
5.1.11 Fields Tab
5.1.12 Check List Tab
5.1.13 Promotions Button
5.1.14 Other Applicants Button
5.1.15 Payment Mode Details Button
5.1.16 Assets Button
5.1.17 Internal Rate of Return Details Button
5.1.18 MIS Button
5.1.19 Events Button
5.1.20 General Ledger Query Button
5.1.21 Installment Button
5.1.22 Statistics Button
5.1.23 Securitization Details Button
5.1.24 Documents Button
5.1.25 SWIFT Message Details Button
5.1.26 Liquidation Order Button
5.1.27 Viewing Loan Account Details
5.1.28 Repayment Holiday for Amortized Loans
5.1.29 Adjustment of Increased Amount Due
5.2 Commitment Account Creation
5.2.1 Maintaining Commitment Account Details
5.2.2 Preferences Tab
5.2.3 Commitment Tab
5.2.4 Applying Different Repayment Styles for a Commitment
5.2.5 Charging Fee on Commitments
5.2.6 Processing Events for a Commitment
5.2.7 Viewing Commitment Account Details
5.3 Loan Account Statement Generation
5.4 Calculating Exponential Interest for Loans
5.5 Maintaining Financial Operations Tax (IOF)
5.6 Loan/Commitment Account Authorization
5.6.1 Authorizing Loan/Commitment Account
5.6.2 Multilevel Authorization of a Contract
5.7 Querying Account Details
5.8 Viewing OFAC Check Response
5.9 Inactive Loan Accounts
5.9.1 Capturing Inactive Loan Details
5.9.2 Operations on Inactive Loans
5.9.3 Activating Loans and Limit Earmarking
5.9.4 Deleting Inactive Loan
5.10 Viewing Details of CL Accounts Linked to L/C
5.11 Viewing Accounts Linked to Loans/Commitments
5.12 Manual Confirmation by Notary
6. Branch Transfer of Loans
6.1 Loans Account Transfer
6.2 Customer Portfolio Transfer
6.3 Merging of Branches
6.4 Product Loans Transfer
6.5 Viewing Branch Transfer Details
6.6 Transfer Event
7. Making Manual Disbursements
7.1 Manual Disbursement of Loan
7.1.1 Disbursing Loan through the ‘Manual’ Mode
7.1.2 Check List Button
7.1.3 Fields Button
7.1.4 Advices Button
7.1.5 Swift Message Details Button
7.1.6 Viewing Manual Disbursement
7.2 Authorizing a Manual Disbursement
8. Operations
8.1 Loan Simulation
8.1.1 Simulating a Loan
8.1.2 Simulating a Commitment
8.2 Loan Payment
8.2.1 Payment Towards a Loan
8.2.2 Fields Button
8.2.3 Events Button
8.2.4 Advices button
8.2.5 Swift Message Details Button
8.2.6 Check List Button
8.2.7 Linkage Details Button
8.2.8 Option for Partial Payment
8.2.9 Payments Simulation
8.2.10 Back Dated Payments
8.2.11 Saving and Authorizing CL Payments
8.2.12 Making Bulk Payments against Loan or Commitment
8.2.13 Viewing Summary Records
8.2.14 Viewing CL Payments Summary
8.3 Loan Amendments
8.3.1 Amending a Loan
8.3.2 Main Tab
8.3.3 Preferences Tab
8.3.4 Holiday Preference Tab
8.3.5 Components Tab
8.3.6 Charges Tab
8.3.7 Linkages Tab
8.3.8 Viewing Value Dated Amendment Details
8.3.9 Amending Commitments
8.3.10 VAMI Simulation
8.4 Viewing Account Version History and Reversal
8.5 Manual Status Change
8.6 Loan Write-Off
8.6.1 Processing Write-Off Status
8.6.2 Partial Write Off
8.6.3 Processing Recovery
8.7 Loan Rollover
8.7.1 Specifying Loan Rollover Preference
8.7.2 Capturing Manual Rollover Details
8.7.3 Rollover/Renegotiation Tab
8.7.4 Linkage Details Tab
8.7.5 Saving and Authorizing Manual Rollover Details
8.7.6 Capturing Split Rollover Details
8.7.7 Capturing Consolidated Rollover Details
8.7.8 Capturing Inactive Rollover Details
8.8 Collateral Take Over
8.8.1 Processing Asset Take Over
8.8.2 Collateral Details Tab
8.8.3 CL Accounts with Linkage Tab
8.8.4 Asset Details Tab
8.8.5
Viewing Asset Take Over Processing Details
8.9 Multilevel Authorization of Loan Account
8.10 Equated Monthly Installment Calculation
8.10.1 Calculating EMI for Personal and Auto Loans
8.10.2 Main Tab
8.10.3 Preferences Tab
8.10.4 Components Tab
8.10.5 Charges Tab
8.11 Loan Reassignment
8.11.1 Reassigning Loans
8.11.2 Linkages Tab
8.12 Loan Renegotiation
8.12.1 Renegotiating Loans
8.12.2 Linkage Details Tab
8.13 Account UDE Values Query
8.14 Manual Provisioning of Loan Accounts
8.15 Viewing Manual Provisioning Details
9. Batch Processes
9.1 Configuring CL Batch Processes
9.2 Initiating the Batch Process
9.3 Multi-threading of Batch Processes
9.4 Excess Amount Allocation Batch
9.5 Status Change Batch Processing (CSDSTBTC)
9.6 Interest Posting (INTP Event)
9.7 CL Batch Processing
9.8 Minimum Amount Due Batch Processing
9.9 EMI Change Batch (EMIC) Processing
9.10 User Defined Events Trigger for CL Accounts
9.10.1 Triggering User Defined Events
9.10.2 MIS Button
9.10.3 Rate Button
9.10.4 Charge Button
9.10.5 Events Button
9.10.6 Event Fields Button
9.11 Commission Processing
9.11.1 Processing Commission on Highest Debit Balance
9.11.2 Processing Commission Automatically at Month End
9.11.3 Processing Commission Automatically on Maturity
9.11.4 Processing Commission Manually
9.12 Stamp Duty Tax Processing
9.12.1 Processing Stamp Duty/Tax
9.12.2 Processing Stamp Duty Tax Manually
9.12.3 Processing Stamp Duty Tax Automatically
9.13 Intermediary Commission Batch Run
9.14 Interest Payback Batch
10. Annexure A
10.1 Accounting Entries for Consumer Lending
10.2 Events
10.3 Accounting Roles
10.4 Accounting Entries after Securitization
10.5 Amount Tags
10.6 Event-wise Advices
11. Reports
11.1 Generating Reports
11.2 Accrual Control List Report
11.2.1 Generating Accrual Control List Report
11.2.2 Selection Options
11.2.3 Contents of the Report
11.3 Accrual Control List Summary Report
11.3.1 Generating Accrual Control List Summary Report
11.3.2 Contents of the Report
11.4 Adverse Status Report
11.4.1 Generating Adverse Status Report
11.4.2 Selection Options
11.4.3 Contents of the Report
11.5 Adverse Status Summary Report
11.5.1 Generating Adverse Status Summary Report
11.5.2 Contents of the Report
11.6 Amortization Report
11.6.1 Generating Amortization Report
11.6.2 Selection Options
11.6.3 Contents of the Report
11.7 Contract Retrieval Report
11.7.1 Generating Contract Retrieval Report
11.7.2 Selection Options
11.7.3 Contents of the Report
11.8 Event Report
11.8.1 Generating Event Report
11.8.2 Selection Options
11.8.3 Contents of the Report
11.9 Lending Forward Contract Report
11.9.1 Generating Lending Forward Contract Report
11.9.2 Selection Options
11.9.3 Contents of the Report
11.10 Forward Amendments Details Changes Report
11.10.1 Generating Forward Amendments Details Changes Report
11.10.2 Selection Options
11.10.3 Contents of the Report
11.11 Interest Calculation Analysis Report
11.11.1 Generating Interest Calculation Analysis Report
11.11.2 Selection Options
11.11.3 Contents of the Report
11.12 Linked Contracts Utilization Report
11.12.1 Generating Linked Contracts Utilization Report
11.12.2 Selection Options
11.12.3 Contents of the Report
11.13 Maturity Report
11.13.1 Generating Maturity Report
11.13.2 Selection Options
11.13.3 Contents of the Report
11.14 Overdue Schedules Details
11.14.1 Generating Overdue Schedules Details
11.14.2 Selection Options
11.14.3 Contents of the Report
11.15 Overdue Schedules Summary
11.15.1 Generating Overdue Schedules Summary
11.15.2 Contents of the Report
11.16 Periodic Rate Revision
11.16.1 Generating Periodic Rate Revision
11.16.2 Selection Options
11.16.3 Contents of the Report
11.17 Loan Payoff Calculator Report (Account)
11.17.1 Generating Loan Payoff Calculator Report (Account)
11.17.2 Selection Options
11.17.3 Contents of the Report
11.18 Loan Payoff Calculator Report (Line)
11.18.1 Generating Loan Payoff Calculator Report (Line)
11.18.2 Selection Options
11.18.3 Contents of the Report
11.19 Loan History Report
11.19.1 Generating Loan History Report
11.19.2 Selection Options
11.19.3 Contents of the Report
11.20 Automatic Loan Payment Exception
11.20.1 Generating Automatic Loan Payment Exception
11.20.2 Contents of the Report
11.21 Loan Past Due Notice
11.21.1 Generating Loan Past Due Notice
11.21.2 Contents of the Report
11.22 Past Due and Non-performing Loan Month End Projections Report
11.22.1 Generating Past Due and Non-performing Loan Month End Projections Report
11.22.2 Contents of the Report
11.23 Ledger Verification Report
11.23.1 Generating Ledger Verification Report
11.23.2 Contents of the Report
11.24 New Loans Report
11.24.1 Generating New Loans Report
11.24.2 Contents of the Report
11.25 Loan Rollover Monitoring Report
11.25.1 Generating Loan Rollover Monitoring Report
11.25.2 Contents of the Report
11.26 Loan Register/Trial Balance Report
11.26.1 Generating Loan Register/Trial Balance Report
11.26.2 Contents of the Report
11.27 Loan Rollover Notice
11.27.1 Generating Loan Rollover Notice
11.27.2 Contents of the Report
11.28 Disbursements Made Today Report
11.28.1 Generating Disbursements Made Today Report
11.28.2 Contents of the Report
11.29 Insurance Policy Expired Today Report
11.29.1 Generating Insurance Policy Expired Today Report
11.29.2 Contents of the Report
11.30 Loan Settlement Notice Report
11.30.1 Generating Loan Settlement Notice Report
11.30.2 Contents of the Report
11.31 Taken Over Assets Reports
11.31.1 Generating Taken Over Assets Reports
11.31.2 Contents of the Report
11.32 Loans with CASA Benefit Report
11.32.1 Generating Loans with CASA Benefit Report
11.32.2 Contents of the Report
11.33 Customer Loan Agreement
11.33.1 Generating Customer Loan Agreement
11.33.2 Contents of the Report
11.34 Loan Rejection Report
11.34.1 Generating Loan Rejection Report
11.34.2 Contents of the Report
11.35 Loan Branch Transfer Report
11.35.1 Generating Loan Branch Transfer Report
11.35.2 Contents of the Report
11.36 Ad-Hoc Combined Statement
11.36.1 Generating Ad-Hoc Combined Statement
11.36.2 Charge Details
11.37 Combined Statement Generation Report
11.37.1 Generating Combined Statement Generation Report
11.37.2 Contents of the Report
12. Glossary
12.1 Important Terms
13. Function ID Glossary