{"text_format":"3","workbook":"xlsx","n_sheets":28,"sheets":["READ ME","Screen Shots - LNM18","Loan Bank Parameters Mnt","Screen Shots - LNM22","Loan Plan Deduction Maintenance","Screen Shots -LNM42"," Product Interest Attributes","Screen Shots -LNM41"," Interest Rules","Screen Shots - LNM43","Installment Rules","Screen Shots - LNM98","Schedule Type","Screen Shots - LN060","Loans Product Rates Plan","Screen Shots - BAM13","Interest Index Rates","Screen Shots - PR001","Tier Look-up Definition","Screen Shots - PR002","Rate Chart Maintenance","Screen Shots - BAM12","Interest Index Maintenance","Screen Shots - LNM11","Product Master Maintenances","Screen Shots - LNM88","Loan Product Revision Maint","Disclaimer"],"not_rendered":{"images":33,"macros":1,"defined_names":15},"read":"whole","date_system":"1900"}

{"sheet":"READ ME","index":0,"n_rows":55,"n_cols":2,"rows_kept":55,"merged":[[0,1,6,8],[10,0,13,8]]}
{"$rows_empty":7}
[null,"Module : Loans"]
[null,"FLEXCUBE Version : FLEXCUBE 11.7.0.0.0"]
[]
["The Loans Product Sheet is used to set intial loans for loans product of your bank. You can maintain the bank parameters according to your bank requirements. Use the list of documents given, to set up the various parameters for your bank in FLEXCUBE. Click the Transaction Screen and the name of the tab screens listed below to view the screens of each option. Click the Input Sheet listed below to view the information about the fields in the transaction and tab screens. You can also enter the values applicable for your bank in these sheets."]
[]
[]
[]
[]
["Sr. No.","The document is divided into following:"]
["I","Loan Bank Parameters Maintenance (Fast Path: LNM18)"]
[" ","1) Transaction Screen"]
[" ","2) Input Sheet "]
["II","Loan Plan Deduction Maintenance (Fast Path: LNM22)"]
[null,"1) Transaction Screen"]
[null,"2) Input Sheet"]
["III","Product Interest Attributes (Fast Path: LNM42)"]
[" ","1) Transaction Screen"]
[" ","2) Input Sheet "]
["IV","Interest Rules (Fast Path: LNM41)"]
[" ","1) Transaction Screen"]
[" ","3) Input Sheet "]
["V","Installment Rules (Fast path: LNM43)"]
[" ","1) Transaction Screen"]
[" ","3) Input Sheet "]
["VI","Schedule Type (Fast Path: LNM98)"]
[" ","1) Transaction Screen"]
[" ","2) Input Sheet "]
["VII","Loans Product Rates Plan (Fast Path: LN060)"]
[null,"1) Transaction Screen"]
[null,"2) Input Sheet "]
["VIII","Interest Index Rates (Fast Path: BAM13)"]
[null,"1) Transaction Screen"]
[null,"2) Input Sheet"]
["IX","Tier Look-up Definition (Fast Path: PR001)"]
[null,"1) Transaction Screen"]
[null,"2) Input Sheet"]
["X","Loan Chart Maintenance (Fast Path: PR002)"]
[null,"1) Transaction Screen"]
[null,"2) Input Sheet"]
["XI","Interest Index Maintenance (Fast Path : BAM12)"]
[null,"1) Transaction Screen"]
[null,"2) Input Sheet"]
["XII","Product Master Maintenances (Fast Path : LNM11)"]
[null,"1) Transaction Screen"]
[null,"2) Input Sheet"]
["XIII","Loan Product Repricing/ Revision Maintenance (Fast Path : LNM88)"]
[null,"1) Transaction Screen"]
[null,"2) Input Sheet"]

{"sheet":"Screen Shots - LNM18","index":1,"n_rows":3,"n_cols":1,"rows_kept":3,"merged":[[0,14,5,16],[1,0,1,13],[2,0,41,13]]}
[]
["Note: Click the below given screen to view the input sheet."]
["Loan Bank Parameters Maintenance (Fast Path: LNM18)"]

{"sheet":"Loan Bank Parameters Mnt","index":2,"n_rows":29,"n_cols":15,"rows_kept":29,"merged":[[1,0,1,1],[2,0,2,1],[3,0,3,1],[4,0,4,1],[5,0,5,1],[8,0,8,3],[9,0,9,3],[10,0,10,3],[12,0,12,1],[13,0,13,1],[15,0,15,6],[23,0,23,6],[23,7,23,14]]}
[]
["Legend"]
["Topic / Tab / Grid Name"]
["Possible Options"]
["Display Fields"]
["Input Fields"]
[]
[]
["This sheet is used to define bank wide parameters pertaining to retail loan accounts."]
["Ensure that the following setup are complete before commencing this sheet."]
["The Prerequisites for the Loan Bank Parameters Maintenance are as follows:"]
[]
["Option",null,"Fast Path"]
["Not Applicable",null,"Not Applicable"]
[]
["Loan Bank Parameters Maintenance (Fast Path: LNM18)"]
["Parameter","Mand-atory","Field Type","Description","Validations","Modifiable","Sample Values","Product 1","Product 2","Product 3","Product 4","Product 5","Product 6","Product 7","Product 8"]
["Bank Code","Yes","Numeric [3]","Set up the unique bank code used to identify a bank.\nCentral Bank assigns a bank code for each bank. The bank code defined in FLEXCUBE Retail can be the same code assigned by the Central Bank.\nFor more information on defining bank code refer to Bank Codes Maintenance (Fast Path: BAM20) option.",null,"Yes",240]
["Bank Name","No","Display","This field displays the name of the bank corresponding to the bank code.",null,"No","Yes Bank"]
["Lead Days For Rate Change","Yes","Numeric [2]","Type the number of lead days for rate change.\nThis is the number of days, in advance; the notice is to be sent to the customer informing them about the change in the interest rate.\n\n","This value will be applicable to accounts whose interest rate is specified as Floating at the product level.","Yes","1900-01-01"]
["Lead Days For Reminder","Yes","Numeric [2]","Type the number of lead days for reminders.\nThis is the number of days, in advance; for generating reminders and mailing the same to the customers. The reminder plan is defined at the product level and is the same for all the loan products.\n",null,"Yes","Monthly"]
["Rate Change Advice Format Code","Yes","Numeric [2]","Type the format in which the advice for informing the customer about the change in interest rate should be sent.",null,"Yes","None"]
["Reserve Last Calculated On","No","Display","This field displays the date on which the provision for bad debts was calculated and the GL entries for the same were passed.\nThis field is for future use.\n",null,"Yes","Account CRR"]
["GL Codes\n\n\n"]
["Suspense Credit","Yes","Numeric [9]","Type the suspense credit GL code.\nAll the credit suspense entries will be passed to this GL.\n",null,"Yes",163000001]
["Suspense Debit","Yes","Numeric [9]","Type the suspense debit GL code.\nAll the debit suspense entries will be passed to this GL.\n",null,"Yes",163000001]
["Off Balance Sheet Accounting for write off required","Conditional","Check box","Select the Off Balance Sheet Accounting for write off required check box to pass the entries for written off accounts.",null,"Yes"]
["Contingent Asset GL","Conditional","Numeric [9]","Type the account number of the asset type contingent GL.\nThis field is enabled if the Off Balance Sheet Accounting For Write off Required check box is selected.\n\n",null,"Yes",510000099]
["Contingent Liability GL","Conditional","Numeric [9]","Type the account number of the liability type contingent GL.\nThis field is enabled only if the Off Balance Sheet Accounting For Write off Required check box is selected.\n",null,"Yes",610000099]

{"sheet":"Screen Shots - LNM22","index":3,"n_rows":3,"n_cols":1,"rows_kept":3,"merged":[[0,14,5,16],[1,0,1,13],[2,0,41,13]]}
[]
["Note: Click the below given screen to view the input sheet."]
["Loan Plan Deduction Maintenance (Fast Path: LNM22)"]

{"sheet":"Loan Plan Deduction Maintenance","index":4,"n_rows":50,"n_cols":15,"rows_kept":50,"merged":[[1,0,1,1],[2,0,2,1],[3,0,3,1],[4,0,4,1],[5,0,5,1],[7,0,7,3],[8,0,8,3],[9,0,9,3],[11,0,11,1],[12,0,12,1],[14,0,14,6]]}
[]
["Legend"]
["Topic / Tab / Grid Name"]
["Possible Options"]
["Display Fields"]
["Input Fields"]
[]
["This sheet defines a deduction plan. A deduction plan comprises of various types of deductions applicable to any loan under a loan product. "]
["Ensure that the following setup are complete before commencing this sheet."]
["The Prerequisites for the Asset Classification Codes Maintenance are as follows:"]
[]
["Option",null,"Fast Path"]
["N/A"]
[]
["Loan Plan Deduction Maintenance (Fast Path: LNM22)"]
["Parameter","Mand-atory","Field Type","Description","Validations","Modifiable","Sample Values","Product 1","Product 2","Product 3","Product 4","Product 5","Product 6","Product 7","Product 8"]
["Plan Code","Yes ","Numeric [3]","Type the plan code to be assigned to a deduction plan.\n Deduction plan will be recognized by the number assigned to the plan for all the future references.\n",null,"No",106]
["Plan Serial Number","No","Display","This field displays the plan serial number.\nIt is a number serially generated starting from one for each plan and increases with the increase of deduction assigned to a plan. There can be multiple deductions assigned to each plan.\n",null,"No",1]
["Plan Name","Yes ","Alphanumeric[40]","Type the descriptive name of the deduction plan.",null,"Yes"]
["Deduction Event","Yes ","Drop-Down","Select the deduction type from the drop-down list.",null,"Yes"," First Disbursement"]
[" First Disbursement",null,null,"Deductions are levied to the account at the first disbursement.",null,"No"]
["Postponement",null,null,"If this option is selected, then the deductions are levied to the loan account on each and every postponement of the installment payment.",null,"No"]
["Common Billing",null,null,"If this option is selected, then the Fee/Charge Code and Due On fields will be enabled. The SC selected in this will be used as default SC for handoff.",null,"No"]
["Ad Hoc Reports",null,null,"If this option is selected, the Due On field will be enabled. The service charges for this option will be set in the reports set up.",null,"No"]
["Deduction Type","Conditional","Drop-Down","Select the nature of deduction from the drop-down list.","This field is enabled if the First Disbursement or Top-up Disbursement option is selected from the Deduction Event field.","Yes","Fee /Charge"]
["Fee /Charge",null,null,"The system enables the Fees/Charge Code and the Deduction Mode fields if you select this option.",null,"No"]
["Premium",null,null,"The system enables the deduction mode and due on fields if you select this option",null,"No"]
["Installment",null,null,"The system enables the No. of Installments field if you select this option",null,"No"]
["Others",null,null,"The system enables the Deduction Mode, Deduction Method Flag and Percentage Rate/Amount fields if you select this option.",null,"No"]
["Monthly Tenor Based Fee",null,null,"The system enables deduction of the service charge or fee amount. The amount calculated will be multiplied by the tenor of loan account in number of months divided by 12.",null,"No"]
["Yearly Tenor Based Fee",null,null,"The system enables deduction of the service charge or fee amount. The amount of SC / Fee calculated will be multiplied by the tenor of loan account in number of months.",null,"No"]
["Fee/Charge Code","Conditional","Pick List","Select the fees / charges code applicable from the pick list. The list will display the charges type maintained in Service Charge Code Maintenance (Fast Path: BAM14) option. The fees/charges currency should be the same as the product currency. \nThe SC can be attached to the Loan deduction plan for collection of insurance fees/ notary fees.\n","This field is enabled if the fees/charges option is selected from the Deduction Type field.","Yes",101]
["Currency","No","Display","This field displays the currency corresponding to the selected fees/charge code.",null,"No","INR"]
["Name","No","Display","This field displays the name of the SC corresponding to the fee/charge code selected in the pick list.",null,null,"SDB_SC_Tax_1"]
["No. of Installments","Conditional","Numeric [3]","Type the number of installments to be deducted during the disbursal. This will be direct deduct and applicable only for EPI type loans.","This field will be enabled if the Installment option is selected from the Deduction Type field.","Yes",1]
["Deduction Mode","Conditional","Drop-Down","Select the deduction mode from the drop-down list. ","This field is enabled if the First Disbursement option is selected from the Deduction Event field.","Yes","N"]
["Bill",null,null,"The amount will not be deducted from the disbursed amount but the deductions will be billed to the customer and arrears will be raised on the account. This will not affect the interest base for interest calculations. Once customer pays the amount due the arrears will be set-off accordingly.",null,"No"]
["Deduct",null,null,"When the deduction mode is selected it will deduct the applicable charges from the disbursal amount. No arrears will be raised.",null,"No"]
["Debit",null,null,"During disbursal the amount will be debited to the account directly. This will result in increase in principal. This will also overlook the loan applied for or the maximum amount at the product level.",null,"No"]
["Deduction Method Flag","Conditional","Drop-Down","Select the deduction method from the drop-down list.","This field is enabled if the Others option is selected in the Deduction Type field.",null,"Fixed Amount"]
["Fixed Amount",null,null,"The deduction amount is fixed irrespective of the amount sanctioned or disbursed. The fixed amount is specified in the next field.",null,"No"]
["%of Disbursed Amount",null,null,"This will deduct the percentage of the amount which is being disbursed. The percentage is defined in the next field.",null,"No"]
["% of Sanctioned Amount",null,null,"This will deduct the percentage of the sanctioned amount irrespective of the amount disbursed.",null,"No"]
["Percentage Rate/Amount","Conditional","Numeric [13,2]","Type the amount/rate at which the deduction is to be made.","This field is enabled only if Others option is selected in the Deduction Type field."]
["Due On","Conditional","Drop-Down","Select the due date from the drop-down list."]
["Current Date",{"$nulls":4},"No"]
["Next Due Date",{"$nulls":4},"No"]
["Not Applicable",{"$nulls":4},"No"]
["SC Nature","No","Display","This field displays the nature of the service charge.\nIf the Amortisable check box is selected in the Rewards and Service Charge Maintenance (Fast Path: BAM14) option, then Amortisable is displayed by default in this field. Else, Not-Amortisable is displayed.\n"]
["Amortize","Conditional","Check box","Select the Amortize check box to trigger the actual amortization for the selected charge.\n\n","This field is enabled only if the charge is defined as Amortisable in the Rewards and Service Charge Maintenance (Fast Path: BAM14) option and the Main SC and the Additional SC are amortisable. Also, the option Deduct is selected in the Deduction Mode field. ","Yes"]

{"sheet":"Screen Shots -LNM42","index":5,"n_rows":3,"n_cols":1,"rows_kept":3,"merged":[[0,14,5,16],[1,0,1,13],[2,0,41,13]]}
[]
["Note: Click the below given screen to view the input sheet."]
["Product Interest Attributes (Fast Path: LNM42)"]

{"sheet":" Product Interest Attributes","index":6,"n_rows":43,"n_cols":15,"rows_kept":43,"merged":[[1,0,1,1],[2,0,2,1],[3,0,3,1],[4,0,4,1],[5,0,5,1],[6,0,6,1],[9,0,9,3],[10,0,10,3],[11,0,11,3],[13,0,13,1],[14,0,14,1],[15,0,15,1],[17,0,17,6],[23,0,23,6],[23,7,23,14],[26,0,26,6],[26,7,26,14],[29,0,29,6],[29,7,29,14]]}
[]
["Legend"]
["Topic / Tab / Grid Name"]
["Possible Options"]
["Display Fields"]
["Input Fields"]
["New Fields"]
[]
[]
["This sheet is used to link the defined interest rules with various products. "]
["Ensure that the following setup are complete before commencing this sheet."]
["The Prerequisites for the Product Interest Attributes are as follows:"]
[]
["Option",null,"Fast Path"]
["Interest Rules",null,"LNM41"]
["Product Master Maintenances",null,"LNM11"]
[]
["Product Interest Attributes (Fast Path: LNM42)"]
["Parameter","Mand-atory","Field Type","Description","Validations","Modifiable","Sample Values","Product 1","Product 2","Product 3","Product 4","Product 5","Product 6","Product 7","Product 8"]
["Product Code","Yes","Pick List","Select the product, for which the Interest Attribute is to be defined, from the pick list. The pick list lists only the authorized loans products.\nProduct Code is a manually generated unique identifier for the Loan product.\n",null,"No",12]
["Currency","No","Display","This field displays the currency code in which the product is defined. All the entries are posted in the account in the account currency. The exchange rate values must be defined and downloaded."]
["Interest Rule","Yes","Pick List","Select the interest rule from the pick list.\nIt is mandatory to define and download the Interest Rules (Fast Path: LNM41) before defining the Product Interest Attributes.\nThe system displays the name of the interest rule adjacent to the interest rule code.\n",null,"Yes",1]
["Interest Type","No","Display","This field displays the interest type associated with the Interest Rule selected in the Interest Rule field.\nAs mentioned above Interest rules facilitates defining the various types of interests, viz., Regular, Penalty, Partial Payoff Penalty, EFS Penalty and Post Maturity Interest.\n"]
["Interest Treatment\n\n\n"]
["Interest Treatment","Yes","Drop-Down","Select the interest treatment from the drop-down list.",null,"Yes","Normal"]
["Normal"]
["Accounting\n\n\n"]
["Cash Basis","Optional ","Radio Button","Type the appropriate GL code with Income type for recording Income Earned from Loan accounts under this product.\nThis GL account is credited and the Interest Accrued GL account is debited at the time of Loan Interest accrual on an account.\nThis is an Income type GL.\n",null,"Yes"]
["Accrual Basis","Optional ","Radio Button","Click Accrual Basis, if accounting should be done on accrual basis. \"Accrual\" of Interest on loan accounts is the process by which income is \"earned\" or recognized at a pre-defined frequency. This means the accrual frequency is the frequency with which accounting entries to recognize interest accrual are passed. Thus, accrual of interest on Loans is periodic, the frequency being decided at product level and can be set as Daily, Monthly or higher.",null,"Yes"]
["GL Codes\n\n\n"]
["Interest Income","Yes","Numeric [9]","Type the appropriate GL code with Income type for recording Income Earned from Loan accounts under this product.\nThis GL account is credited and the Interest Accrued GL account is debited at the time of Loan Interest accrual on an account.\nThis is an Income type GL.\n",null,"Yes"]
["Suspended Interest","Yes","Numeric [9]","Type the appropriate GL code with Liability type for recording Income Earned from suspended accounts.\nThis GL account is credited and the Suspended interest Accrued GL account is debited at the time of Interest accrual on a Suspended account.\nThis GL is a Liability type of GL.\n",null,"Yes"]
["Interest Accrued","Yes","Numeric [9]","Type the appropriate GL code with Asset type for recording Interest Accrued on Loan accounts.\nThis GL account is debited and the Interest Income GL account is credited at the time of Interest accrual on a Loan account with Normal Accrual status.\nThis GL is an Asset type of GL.\n\n",null,"Yes"]
["Suspended Interest Accrued","Yes","Numeric [9]","Type the appropriate GL code with Asset type for recording Interest Accrued on Suspended Loan accounts.\nThis GL account is debited and the Suspended interest (Liability) GL account is credited at the time of Interest accrual on a Suspended Loan account.\nThis GL is a Asset type of GL.\n\n",null,"Yes"]
["Interest Receivable","Yes","Numeric [9]","Type the appropriate GL code with type asset for recording interest receivable amount on Loan accounts.\nEntries to this GL happen only after the accruals have happened on the loan account. During charging of interest on Loan accounts the Interest Receivable GL account is debited and the Interest Accrued GL account is credited (reversed). Once this GL is debited it implies that the arrear is generated and the interest amount becomes due from the customer.\nThis is an asset type GL.\n\n",null,"Yes"]
["Suspended Interest Receivable","Yes","Numeric [9]","Type the appropriate GL code with asset type for recording Interest Receivable amount on suspended accounts.\nDuring charging on an already suspended account, this GL account is debited and the Suspended Interest Accrued GL is credited.\nWhen an account turns non-performing and if the clawback facility is enabled, all the pending interest arrears are transferred to this GL. In this case this GL is debited and the Interest Receivable GL is credited.\nThis is an asset type of GL.\n\n\n",null,"Yes"]
["Unearned Interest","No","Numeric [9]","This GL is currently not in use.\n\n",null,"Yes"]
["Suspended Recovery","Yes","Numeric [9]","Type the appropriate GL code with Income type for recording suspended interest recovered from suspended accounts.\nWhen credits are made to suspended accounts for recovery of interest, the Suspended Interest (Income GL) is debited to the extent of recovery and this GL is credited.\nThis is ideally an income type of GL where the bank can monitor the interest amount that has been recovered from the account after it got suspended.\n\n",null,"Yes"]
["Interest Waiver","No","Display","This field displays the interest waiver.\nThe waived interest account is debited this GL account.\n "]
["Interest Expense","No","Display","This field displays the interest expense only if credit interest rule is selected and product type is revolving.\n "]
["Interest Income Adjustment","Yes","Numeric [9]","Type the appropriate GL code with income type for recording interest income adjustment from loan accounts under this product.\nThis is an income type GL.\n\n",null,"Yes"]
["Suspended Interest Income Adjustment","Yes","Numeric [9]","Type the appropriate GL code with liability type for recording suspended interest income adjustment from suspended accounts.\nThis is an liability type of GL.\n\n\n",null,"Yes"]
["Margin/Profit","Yes","Numeric [9]","Type the income GL code.\nThis GL will reflect the actual Interest income. The GL will be credited only when interest is paid by the customer. The interest income GL will be debited to the extent of credit received in the interest receivable GL for both normal loan accounts.\n\n\n","This field is enabled if the Regular option is selected in the Interest Type field.","Yes"]

{"sheet":"Screen Shots -LNM41","index":7,"n_rows":3,"n_cols":1,"rows_kept":3,"merged":[[0,14,5,16],[1,0,1,13],[2,0,41,13]]}
[]
["Note: Click the below given screen to view the input sheet."]
["Interest Rules (Fast Path: LNM41)"]

{"sheet":" Interest Rules","index":8,"n_rows":73,"n_cols":15,"rows_kept":73,"merged":[[1,0,1,1],[2,0,2,1],[3,0,3,1],[4,0,4,1],[5,0,5,1],[8,0,8,3],[9,0,9,3],[10,0,10,3],[12,0,12,1],[13,0,13,1],[15,0,15,6],[26,0,26,6],[26,7,26,14],[27,0,27,6],[27,7,27,14],[37,0,37,6],[37,7,37,14],[44,0,44,6],[44,7,44,14],[53,0,53,6],[53,7,53,14],[61,0,61,6],[61,7,61,14],[71,0,71,6],[71,7,71,14]]}
[]
["Legend"]
["Topic / Tab / Grid Name"]
["Possible Options"]
["Display Fields"]
["Input Fields"]
[]
[]
["This sheet is used to setup the interest rules that are defined, based on the components (principal, period, and rate) that are retrieved from an account for calculating interest."]
["Ensure that the following setup are complete before commencing this sheet."]
["The Prerequisites for the Interest Rules are as follows:"]
[]
["Option",null,"Fast Path"]
[]
[]
["Interest Rules (Fast Path: LNM41)"]
["Parameter","Mand-atory","Field Type","Description","Validations","Modifiable","Sample Values","Product 1","Product 2","Product 3","Product 4","Product 5","Product 6","Product 7","Product 8"]
["Rule ID","Yes","Numeric [5]","Interest rule ID is a unique number, which represents the interest rule.",null,"No",250]
["Rule Name","Yes","Alphanumeric [40]","Type the name for the interest rule.",null,"No","Assets"]
["Interest Type","Yes","Drop-Down","Select the plan type from the drop-down list.","The valid type of plan can be one of the following options.","No","Secured"]
["Regular",null,null,"This interest type is ideally defined for the regular stage of the loan. Regular stage from the interest rules point of view would also include the IOI and the Moratorium stage, if applicable. Interest base for regular interest is set up differently for actual balance loans and schedule balance loans \nFor Actual Balance type loans the interest base is updated based on the arrears outstanding on the account. Irrespective of the schedule of repayments generated at the time of disbursement if there are arrears pending on the account then these get added to the interest base and the interest is thus charged on outstanding interest as well. This can be set up as part of the interest rules definition by indicating which arrears should be considered as part of interest base\nOn the other hand in case of scheduled balance loans irrespective of arrears on the account the interest is calculated as per the schedule only. "]
["Penalty",null,null,"Separate rules can be set up for processing of Penalty (IOA) interest. The penalty interest base on which the penalty will be calculated is specified in the interest rules. The user can select the arrear types which will be the base for calculating the penalty. These arrears may include Interest arrears, Charge arrears, Penalty arrears and Principal arrears"]
["Partial Payoff Penalty",null,null,"Partial payoff results in reduction of part of the principal amount over and above the arrears due. A bank may thus choose to charge a partial payoff penalty. This penalty is set up as an interest rule and attached to the stage at which the penalty is to be charged. This is usually the regular stage of the loan"]
["EFS Penalty",null,null,"Early or Final settlement indicates that the loan account is being settled and closed before the term of the loan ends. The bank may charge some penalty for such early settlements. The penalty is added to the outstanding arrears and total principal due to arrive at EFS amount"]
["Post Maturity",null,null,"On completion of the given term of a loan if the loan amount remains outstanding on the loan account is meant to have entered in the Post Maturity stage. The bank will need to continue to charge interest on the loan account though the term has expired. A separate interest rule of Post Maturity type is defined and the Post Maturity Installment Rule together with the Post Maturity Interest Rule is defined at the time of Schedule Setup (Fast Path: LNM98). In Post Maturity stage the entire loan outstanding together with Interest and other charge arrears become due. Interest is calculated on the entire outstanding loan amount including interest and other arrears"]
["Credit Interest"]
["Rule Definitions"]
["Computation"]
["Accrual Basis","Yes","Drop-Down","Select the interest accrual basis from the drop-down list.\nThis field denotes the interest accrual basis to be applied to the interest rule being defined. It defines the way in which number of days is calculated between two dates for interest computation.\n","Once added, this field cannot be modified or amended.","No","Euro 30/360"]
["Euro 30/360",null,null,"30 days in a month will be taken as numerator for all months except February. Actual number of days in February will be considered for calculation. 360 days in a year will be taken as denominator."]
["US 30/360",null,null,"30 days in a month will be taken as numerator and 360 days in a year will be taken as denominator."]
["Actual/Actual",null,null,"Actual days in a month will be taken as numerator and actual days in a year will be taken as denominator."]
["Actual/360",null,null,"Actual days in a month will be taken as numerator and 360 days in a year will be taken as denominator."]
["Euro 30/Actual",null,null,"30 days in a month will be taken as numerator for all months except February. Actual number of days in February will be considered for calculation. Actual days in a year will be taken as denominator."]
["US 30/Actual",null,null,"30 days in a month will be taken as numerator for all months. Actual days in a year will be taken as denominator."]
["Actual/365",null,null,"Actual days in a month will be taken as numerator and 365 days in a year will be taken as denominator."]
["IND30/360",null,null,"30 days in a month will be taken as numerator and 360 days in a year will be taken as denominator. (Feb is 30 if the dates are calendar).In case, the bank wants 30 days in all calculations the following can be done: For disbursement on Anniversary or Non month end cases - use US30/360. For disbursement on Calendar Month end cases - use IND30/360."]
["Interest Base\n\n\n"]
["Base Behavior","Conditional","Drop-Down","Select the base behavior from the drop-down list.\nAs mentioned above, there are two methods for calculating the interest, viz., Expected or Schedule. The difference between Actual and Expected balance loan occurs only in case of arrears. Therefore at the time of schedule generation there is no effect of this aspect. The schedule generated by system would be same in both cases and would follow the expected balance. In Expected method the system will consider the schedule balance as the base whereas in Actual balance the system will recognize the actual loan outstanding balance which would include the arrears component as well.\n","This field is enabled only if the Regular option is selected from the Interest Type field.","Yes"]
["Expected",null,null,"The interest calculation will not look at the actual balance and will compute interest on the scheduled expected balance only. In other words irrespective of the repayment status the interest will be calculated on the original schedule balance only.\n"]
["Actual",null,null,"The interest will be computed on the actual balance."]
["Normal",null,null,"This option is the selected to define interest rule for penalty."]
["Slabs",null,null,"If this option is selected, it allows the user to apply the penalty as per the penalty slab. "]
["Penalty Slab Plan","Conditional","Pick List","Select the penalty slab plan from the pick list. This pick list is used to capture the penalty slabs maintained in the Penalty Slab Maintenance (Fast Path: LNM48) option.","This field is enabled if the Penalty option is selected in the Interest Type field and Slabs option is selected in the Base Behavior field.","Yes",1]
["Principal\n\n\n"]
["Principal","Yes","Drop-Down","Select the appropriate principal option, to include the principal for the interest base, from the drop-down list. Selection of this field is to be done in conjunction with the selection of the Principal Arrear options\n",null,"No",1]
["None",null,null,"This option is applicable only for Penalty interest type. This is because the penal interest is calculated on the arrears which can include Interest, Charge and Principal arrears. The system automatically assumes this option on selection of Penalty interest type"]
["Outstanding Balance",null,null,"This is the most commonly used option for regular interest calculation of loans. This field is enabled only for Regular, EFS (Early or Final Settlement) interest and Post Maturity interest types \nIn case of EFS Penalty (Early or Final Settlement ) this field value indicates the \"outstanding\" principal amount being paid off after set off against all arrears. The system automatically selects Outstanding balance as the base for interest type ‘EFS Penalty’.\nIn PMI stage the entire outstanding balance becomes the arrear and thus the outstanding balance will be taken as the interest base.\nIn case the base behavior selected is Expected the system will automatically select the Outstanding Balance as the Principal base and will exclude the Principal arrears. This will ensure that the interest calculation will happen on the schedule balance only. \nOn the other hand if the base behavior selected is Actual and the Principal base is Outstanding balance, the commonly used combination will be to include the Interest and charge arrears but to select Principal Arrears as ‘None’. This is because the Outstanding balance already includes the Principal arrears. System will not allow to opt for the ‘Include’ option in the Principal Arrear field with this combination. \nSelection of ‘Exclude’ Principal arrears in combination with base behavior as Actual and Outstanding balance as base is not advisable as interest will be calculated on scheduled principal amount which is in contradiction with the selected combination."]
["Sanctioned Amount",null,null,"The sanctioned amount is taken as the base for computation of the interest. This option is available only for Regular Interest type. "]
["Disbursed Amount",null,null,"The actual amount disbursed by the bank which may be less than or equal to the sanctioned amount is taken as the base for computation of the interest.\n"]
["Principal Paid-off",null,null,"This option is applicable only when the Interest type selected is Partial Payoff Penalty. The Partial Payoff Penalty will be calculated on the excess amount repaid after appropriating all the arrears including the Penalty Interest. Thus all the fields in the arrears grid will get disabled as the excess amount repaid becomes the base for calculation of the Partial Payoff Penalty."]
["Net Credit Balance"]
["Include Advances","Conditional","Check Box","Select the Include Advances check box to render the Advance payment amount to reduce the outstanding principal amount to arrive at the actual interest base.\nAdvance payment is the installment amount paid over and above the pending arrears.\n","This field is enabled only on selection of Interest Type as Regular.","Yes"]
["Arrears"]
["Interest Arrears","Optional","Check Box","Select the Interest Arrears check box to include interest arrears for the interest base calculation.\nAll interest arrears can be used as part of base calculation for interest/penalty base. This check box is enabled only when the Interest types, viz., Regular, Penalty and Post Maturity are selected.\n","If the Base Behavior selected is Expected then this check box will be disabled. This is because arrears do not form part of interest base in case of an Expected schedule balance type of loan.\nFor Regular interest type with the Base Behavior selected as Actual and Principal base selected is any of the available options, if this check box is selected then the interest arrears will be considered as part of the interest base.\nFor Penalty interest and Post Maturity Interest type also the interest arrears check box can be selected.\n","Yes"]
["Charge Arrears","Optional","Check Box","Select the Charge Arrears check box to include charge arrears for the interest base calculation.\nCharge arrears include arrears like service charges, outgoings, legal fees and insurance premium charged on the loan account. If in arrears, these amounts can be used as part of interest base or penalty base computation.\n",null,"Yes"]
["Penalty Arrears","Optional","Check Box","Select the Penalty Arrears check box to include penalty arrears for the interest base calculation.\nInterest on Arrears or IOA/Penalty arrears can be used as part of Regular interest, Penalty interest or Post Maturity interest types. It should be noted that selection of the Penalty Arrears would result in penalty interest compounding. In case of using this parameter for interest base, care needs to be taken to set appropriate frequency for Penalty interest compounding at schedule definition. If Penalty interest compounding for interest is set as None in schedule definition, ticking this field will have no effect. The Penalty arrears check box selection would be ideally used for Post Maturity Interest type where the bank wants to charge interest on Penalty interest arrears.\n",null,"Yes"]
["Principal Arrears","Yes","Drop-Down","Select the principal arrears from the drop-down list.\nInterest computation on principal arrears is determined by selection of the options under this field. \nThis selection has to be done in conjunction with the selected Principal base as explained above, i.e., None, Outstanding Balance, Sanctioned Amount or Disbursed Amount. If any principal is in arrears it would already be part of outstanding. So user needs to take this into account while setting this parameter.\n\n","This field is not applicable for Partial Payoff Penalty and EFS Penalty interest types. ","Yes","None"]
["None",null,null,"Since interest base is already calculated on outstanding principal amount, this option is usually used for interest base computation for Actual balance loans. This avoids double counting in Actual balance Loans"]
["Include",null,null,"This indicates that the principal arrears should be added over and above to the outstanding principal. This option is usually used only for Interest Type Penalty computation where Principal base itself is set to None"]
["Exclude",null,null,"If interest is to be calculated on scheduled principal amount, in schedule balance type of Loans this option is usually used. This will exclude outstanding arrears and only consider the scheduled principal balance"]
["Rounding Rules"]
["Rounding Method","Yes","Drop-Down","Select the rounding method from the drop-down list.\nInterest arrears or any type of penalty arrears amount computed by the system can be set up to rounded by various methods as per the Banks requirement. The number of places to which the rounding is to be done can also be specified as 1, 10, 100 and 1000. \n",null,"Yes"]
["Raise"]
["Cutoff"]
["Round"]
["Nearest Amount To Round","Yes","Drop-Down","Select the nearest amount to round up from the drop-down list.",null,"Yes",10]
[1]
[10]
[100]
[1000]
["Control Parameters"]
["Minimum Interest Amount","Conditional","Numeric [13,2]","Type the minimum interest amount that is to be paid.","This field is enabled if Penalty is selected in the Interest Type field.","Yes",1000]

{"sheet":"Screen Shots - LNM43","index":9,"n_rows":3,"n_cols":1,"rows_kept":3,"merged":[[1,0,1,13],[2,0,41,13]]}
[]
["Note: Click the below given screen to view the input sheet."]
["Installment Rules (Fast Path: LNM43)"]

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[]
["Legend"]
["Topic / Tab / Grid Name"]
["Possible Options"]
["Display Fields"]
["Input Fields"]
[]
[]
["This sheet is used to setup the interest rules that are defined, based on the components (principal, period, and rate) that are retrieved from an account for calculating interest."]
["Ensure that the following setup are complete before commencing this sheet."]
["The Prerequisites for the Interest Rules are as follows:"]
[]
["Option",null,"Fast Path"]
[]
[]
["Installment Rules (Fast Path: LNM43)"]
["Parameter","Mand-atory","Field Type","Description","Validations","Modifiable","Sample Values","Product 1","Product 2","Product 3","Product 4","Product 5","Product 6","Product 7","Product 8"]
["Rule ID","Yes","Numeric [5]","Type the Installement rule ID. It is a unique number, which represents the installment rule.",null,"No",1]
["Rule Name","Yes","Alphanumeric [40]","Type the name for the installment rule.",null,"No","Equated Monthly Installments"]
["Rule Definition"]
["Computation Formula","Yes","Drop-Down","Select the computation Formula from the drop down. Installment Computation Formulae are inbuilt in the FLEXCUBE system. The basis on which the installment will be calculated will be dependent on the selection of the computation formula.",null,"Yes","ARM"]
["ARM",null,null,"It is a unique method of calculating installment payments based on weighted average calculation. The interest rule is defined on the basis of tiered term.\nFor Example: The interest for the first 3 months (month no. 1 to 3)=10\nThe interest for the next 3 months (month no. 4 to 6) = 11%.\nThe interest for the next 4 months (month no. 7 to 10) = 11.5%.\nThe interest for the next 2 months (month no. 11 and 12 ) = 12%"]
["IO in Arrears",null,null,"Interest Only Installment\nIn IOI, only interest will be charged for the outstanding principal amount"]
["IPI",null,null,"Interest Principal Installment\nIn IPI type of installment the Principal component of the installment remains constant throughout the term of the loan. The interest calculation is driven on the basis of the interest rule defined, i.e., either of Actual balance or Schedule balance. Thus the amount of installment (Principal+Interest) will be different on every due date"]
["Moratorium",null,null,"Moratorium is similar to IOI type of Installment. However, in case of Moratorium the system does not charge the interest amount till the end of the Moratorium period. In other words no amount becomes payable during the currency of the Moratorium Period. Interest is computed and compounded periodically, but the same is capitalised at end of Moratorium period."]
["Post Maturity",null,null,"On completion of the given term of a loan if the loan amount remains outstanding the loan account is meant to have entered in the Post Maturity stage. Post Maturity stage is mandatory in the schedule definition and the system validates the existence of the PMI stage at the time of schedule setup. A separate interest rule of Post Maturity type is defined and the Post Maturity Installment Rule together with the Post Maturity Interest Rule is defined at the time of Schedule Setup option (Fast Path: LNM98). In Post Maturity stage the entire loan outstanding together with Interest and other charge arrears becomes due. Interest is calculated on the entire outstanding loan amount including interest and other arrears"]
["Revolving Loan Installment",null,null,"This schedule is applicable only for the Revolving kind of loans. At the time of the set up, the computation formula should be selected as the Revolving schedule to set up a Revolving Loan schedule"]
["IO in Advance"]
["VPI",null,null,"Variable Periodic Installment\nIt is similar to Equated Periodic Installment. Here user can decide different installment amounts for different terms of the loan.\nFor example, for a loan of 12 months, on selecting VPI schedule, user can input the following schedule while loan disbursement:\n0-3 months 10000\n3-6months 15000\n6-9 months 12000"]
["FPI",null,null,"First Principal Installment\nIn FPI, principal component will be collected first followed by interest"]
["Charge Broken Period Interest on First Repayment","Conditional ","Checkbox","Select the Charge Broken Period Interest on First repayment checkbox to charge interest for the broken period with the first repayment","This field is enabled on selecting the EPI option from the Computation Formula drop-down list. The selection of this option should be in conjunction with the selection of the Base Behavior in the interest base under Interest Rule, i.e., either of Expected (Schedule balance) or Actual (Actual balance).\nhis field will be disabled if the Computation Formula selected is VPI or FPI","Yes","Checked"]
["User Specified Principal Repayment","Conditional ","Checkbox","Select the checkbox to apply user defined principal repayment","This field will be disabled if the Computation Formula selected is VPI or FPI"]
["Dates"]
["Year Base","Yes","Drop-Down","Select the year base, for the installment calculation, from the drop-down list."]
["Calendar",null,null,"A calendar loan will always have installment/interest payments on month ends. For e.g. a loan is disbursed on 10-Mar-2006 – for IOI stage the repayment can be made to fall due on 31-Mar-2006 and for regular stage (IPI/EPI/FPI) the repayment will fall due on 30-April-2006"]
["Anniversary",null,null,"An Anniversary loan on the other hand will take the anniversary of the last disbursement date or any other date specified as the date of charging. For e.g. a loan is disbursed on 10-Mar-2006-for IOI stage the repayment can be made to fall due on 31-Mar-2006 and for regular stage (IPI/EPI/FPI) the repayment can be made to fall due on any date equal to or greater than 10-April-2006 but not later than 10-May-2006.","If it is selected as User Defined Schedule then, the value selected in this field – Calendar OR Anniversary it will be applicable on interest arrears only and not on Principal Arrears"]
["Rounding Rules"]
["Rounding Method","Yes","Drop-Down","The installment amount that is calculated after computation of principal and interest due can be rounded as per banks requirement. The options are:\n Raise\n Cutoff\n Round\n No Rounding",null,null,"Round"]
["Nearest Amount to Round To","Conditional ","Drop-Down","Select the nearest amount to round up from the drop-down list. The options are:\n 1\n 10\n 100\n 1000","Required if rounding method is other than 'No Rounding'",null,100]

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[]
["Note: Click the below given screen to view the input sheet."]
["Schedule Type (Fast Path: LNM98)"]
{"$rows_empty":40}
[{"$nulls":4},"Details"]
{"$rows_empty":32}
[{"$nulls":4},"Penalty"]

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[]
["Legend"]
["Topic / Tab / Grid Name"]
["Possible Options"]
["Display Fields"]
["Input Fields"]
[]
["This sheet is to be used to define specifically the interest rules and installment rules that will be applied, a schedule plan is required to be attached to the product."]
["Ensure that the following setup are complete before commencing this sheet."]
["The Prerequisites for the Schedule Type are as follows:"]
[]
["Option",null,"Fast Path"]
["Loans Product Rates Plan",null,"LN060"]
["Product Master Maintenances",null,"LNM11"]
["Rewards and Service Charges definition",null,"BAM14"]
["SC Package Definition",null,"SCM01"]
["Installment Rules",null,"LNM43"]
["Interest Rule",null,"LNM41"]
["Product Interest Attributes",null,"LNM42"]
[]
[]
[]
["Schedule Type (Fast Path: LNM98)"]
["Parameter","Mand-atory","Format","Description","Validations","Modifiable","Sample Values","Product 1","Product 2","Product 3","Product 4","Product 5","Product 6","Product 7","Product 8"]
["Schedule Code \n","Yes","Numeric [3]","Type the new schedule code to be defined and attached to the Loan Product.\nThe schedule code is a unique number, which represents the schedule type.\n",null,"No",12]
["Schedule Name","Yes","Alphanumeric [50]","Type the name for the schedule type.",null,"No",7]
["Product Code","Yes","Pick List","Select the product code from the pick list to which the new schedule being defined is to be attached. The pick list lists only the authorised products. A schedule once added and attached to a loan account, cannot be modified or amended.","The length of the product code is configurable at the bank level.","No",10]
["Currency","No","Display","This field displays the currency assigned to the product at the product level, under which the schedule is being defined.",null,"No","INR"]
["Details"]
["Stage Type"]
["Stage Name","Yes","Alphanumeric [40]","Type the relevant stage name.\n The stage name may be synonymous to the type of Installment rule being attached to the stage for ease of understanding.\n",null,"Yes"]
["Stage No","No","Display","This field displays the serial number for the stage being defined.",null,"No",1]
["Installment Rule\n","Yes","Pick List","Select the installment rule applicable for the stage from the pick list.\n Installment rule is set up for an interest type and it gives an indication of the type of loan. \n",null,"Yes",{"v":20,"d":"20.00000"}]
["Provision Rate Secured Bank\n","No","Numeric [3,5]","Set up the provision rate secured for secured loans.",null,"Yes",10]
[" IOI"]
["EPI"]
["IPI"]
["FPI"]
["MOR"]
["PMI"]
["ARM"]
["SI"]
["Installment Type","No","Display","This field displays the type of installment based on the Installment Rule selected.",null,"No","Equated Periodic Installments"]
["Interest Rule\n","Yes","Pick List","Select the interest rule applicable for the stage from the pick list.\nInterest rules are set up for regular interest, post maturity interest, IOA penalty, EFS penalty and PPF  penalty separately. For each of these interest types, the interest rate structure, accrual basis, base for computation and rounding parameters are set up.\n"," Only interest rules attached to a product from product interest attributes are available for linking at the schedule type maintenance.","Yes",100]
["Base","No","Display","This field displays the balance on which the interest is calculated.","This field is defaulted based on the Interest Rule selected for the stage.","No",1]
["Interest Rate","Yes","Pick List","Select the interest rate applicable for the stage from the pick list. For more information refer to the Loan Product Rates Plan (Fast Path:LN060) option.",null,"Yes"]
["Default Payments/Term","Yes","Numeric [3]","Type the period in months for a non-regular stage (IOI/Moratorium). This is applicable for  Only Principal Stages or First Principal Stage Onwards option is selected in the Loan Term Comprises Of drop-down in the Definitions tab.\n The system will validate the maximum allowable term against the term specified at the Loan Product Master (Fast Path: LNM11) option.\n",null,"Yes"]
["Interest Processing"]
["Compounding Frequency","Conditional","Drop-down","Select the compounding frequency from the drop-down list. If the accruals defined at the product is Daily and the compounding frequency defined is Monthly, then the accrued amount will get compounded Monthly."," This field is enabled for IPI or Moratorium Installment rule selected in the Installment Rule pick list.","Yes"]
["None"]
["Monthly"]
["Bimonthly"]
["Quarterly"]
["Half Yearly"]
["Yearly"]
["Rest Period Frequency","Yes","Drop-down","Select the rest period frequency from the drop-down list.\n The rest period frequency specifies the periodicity at which the interest base should be updated and has to be set up for each stage of a loan. Following are logical examples and the selection can be amended as per the requirement of the bank.\n• For IOI stage, the system defaults the value as Daily.\n• For Reducing balance/EPI loans it should usually be set to monthly or higher frequency.  However, both IPI and EPI schedules can take any of the available values.  The repayment frequency can also determine the selection of the rest period for EPI loans\n• For Daily Balance/IPI type of loans the rest period frequency may always be set to None as the principal base is immediately updated on payment \n• In  PMI stage the entire loan outstanding becomes due in which case the rest period frequency may be defined as daily\n• Rest period frequency as every due date may be used where a calendar based irregular schedule has been maintained\n\n","If the installment rule is selected as User Defined Installment, then by default rest period frequency is displayed as Daily and it is disabled.","Yes"]
["None"]
["Monthly"]
["Bimonthly"]
["Quarterly"]
["Half Yearly"]
["Yearly"]
["Every due date"]
["Daily"]
["End Of Period Treatment","Yes","Drop-down","Select the end of period treatment from the drop-down list.\nThe treatment for any unpaid arrears to be adopted at the end of term for each stage is to be selected. This option is usually applicable to Moratorium Loans where the arrears become due for payment only at the end of the Moratorium period. Hence the option of “Capitalize arrears and Uncharged Interest” may be selected.\nFor all other Installment types, the end of period frequency may be taken as None.\n","If the installment rule is selected as User Defined Installment, then this field is defaulted as None and it is disabled.","Yes"]
["None"]
["Capitalize arrears + Uncharged Interest",null,null,"Interest is computed and compounded periodically. But the same is capitalized at end of period typically applicable for Moratorium type of loans"]
["Add interest to first installment",null,null,"If schedule type is MOR-IPI-PMI, then after the moratorium period installment, the composite moratorium interest along with the IPI installment will get raised.\nIf schedule type is MOR-EPI-PMI, then after the moratorium period the moratorium interest will get charged with the first EPI installment. Here the installment amount will remain unchanged. EPI installment amount will be adjusted in the following sequence - Interest part of the installment, Moratorium Interest and then the remaining balance if any will get adjusted for the principal component. Excess amount will get capitalized and will get adjusted in the subsequent installments."]
["Arrears Compounding Frequency","Yes","Drop-down","Select the arrears compounding frequency from the drop-down list.\nIt is the frequency with which the arrears will be compounded to interest base. It acts in tandem with the rule set for interest base in the Interest Rule (Fast Path: LNM41) option.\n",null,"Yes"]
["None"]
["Monthly"]
["Bimonthly"]
["Quarterly"]
["Half Yearly"]
["Yearly"]
["Every due date"]
["Daily"]
["Installment Details"]
["Principal Frequency","Yes","Drop-down","Select the principal frequency from the drop-down list.\nWhen defining a schedule type the frequency with which principal needs to be repaid at each stage is to be specified. The system will draw up a schedule for an account accordingly.  The commonly used Principal repayment frequencies are as under :\n• IOI Stage – None/At Maturity as there  is no principal repayment in IOI stage. This is the Initial stage when disbursement occurs and usually there is no repayment of principal amount during this stage \n• Moratorium – None/At Maturity - As interest in case of  moratorium is payable only at the end of the Moratorium Period\n• EPI Stage – Any of the available options. In EPI the sum of Interest and Principal repaid at a specified periodicity remains constant throughout the term. However in case of EPI, both the Principal and Interest repayment frequencies should be the same\n• IPI Stage – Any of the available options. IN IPI the Principal amount being repaid every period remains constant whereas the interest amount changes accordingly. Thus the installment amount  (Principal+Interest) changes at each repayment. There can be many variations to this schedule such as Bullet payment where the entire principal amount is paid off in one shot.  The schedule will need to be specified by the user and the system will take up charging accordingly\n• PMI Stage – None/At Maturity – This is because in PMI stage the repayment period itself would have expired and the entire loan outstanding become payable\n• FPI Stage - Any of the available options. In FPI, the Principal amount is paid off first and the interest amount gets paid off later\n\n",null,"Yes"]
["None / At Maturity"]
["Monthly"]
["Bimonthly"]
["Quarterly"]
["Half Yearly"]
["Yearly"]
["OneAndHalfYearly"]
["Weekly"]
["Bi-Weekly"]
["Interest Frequency","Yes","Drop-down","Select the interest frequency from the drop-down list.\nThis is the frequency at which the interest is levied on the loan account. We can define separate frequency for the IOI and the IPI stage. The commonly used Interest repayment frequencies are as under:\n• IOI – Any of the available options\n• Moratorium – None/At Maturity - As interest in case of  moratorium is payable only at the end of the Moratorium Period\n• EPI – Any of the available options. However in case of EPI, both the Principal and Interest repayment frequencies should be the same\n• IPI – Any of the available options\n• PMI – Any of the available options except None/At Maturity\n• FPI – Any of the available options. In FPI, the Principal amount is paid off first and the interest amount gets paid off later. Ideally, the repayment frequency may be defined in sync with the Principal repayment frequency\n\n",null,"Yes"]
["None / At Maturity"]
["Monthly"]
["Bimonthly"]
["Quarterly"]
["Half Yearly"]
["Yearly"]
["OneAndHalfYearly"]
["Weekly"]
["Bi-Weekly"]
["Penalty Frequency","Yes","Drop-down","Select the penalty frequency from the drop-down list.\nPenalty interest is also commonly referred to as IOA. The frequency for charging IOA interest can be set up for each stage in a loans schedule. It can be the same or different from Interest and Principal charging frequency.  There is no Penalty charging applicable in Moratorium stage as no arrears are raised. In any other stage the required frequency setting may be used. Ideally this frequency may be defined in sync with the Interest repayment frequency.\n",null,"Yes"]
["None"]
["Monthly"]
["Bimonthly"]
["Quarterly"]
["Half Yearly"]
["Yearly"]
["Every due date"]
["OneAndHalfYearly"]
["Weekly"]
["Bi-Weekly"]
["Calendar Plan","Yes","Pick List","Select the calendar plan from the pick list.\nCalendar plan is required only when a special schedule based on preset dates for when the installment payments will be made is prepared.\n",null,"Yes"]
["Billing Grace Days","Yes","Pick List","For Future Use",null,"Yes"]
["One Billing Cycle","Yes","Pick List","For Future Use",null,"Yes"]
["Penalty"]
["Penalty-Non Payments"]
["Interest Rule","Yes","Pick List","Select the interest rule from the pick list if penalty is to be levied for non-payment of arrears.\nFor more information on interest rule, refer to the Interest Rules (Fast Path: LNM41) option.\n",null,"Yes"]
["Interest Rate","Yes","Pick List","Select the interest rate to be applied for the penal interest to be levied on the unpaid arrears in the loan account from the pick list .\nFor more information on interest rates, refer to the Loan Product Rates Plan (Fast Path: LN060) option.\n",null,"Yes"]
["Penalty-Early Settlements"]
["PPF Interest Rule","Yes","Pick List","Select the appropriate PPF interest rule from the pick list to levy penalty when the customer does a Partial Pay-off for his loan account.\n The teller has the option to either charge or waive the penalty at the time of executing the Partial Payoff transaction (Fast Path: 1066).\nThe system displays the description of the PPF Interest Rule adjacent to the rule ID.\nFor more information on PPF interest rule, refer to the Interest Rules option (Fast Path: LNM41).\n\n",null,"Yes"]
["PPF Interest Rate","Yes","Pick List","Select the interest rate to be applied for the PPF interest rate from the pick list.\nFor more information on PPF interest rates, refer to the Loan Product Rates Plan (Fast Path: LN060) option.\n\n",null,"Yes"]
["EFS Interest Rule","Yes","Pick List","Select the appropriate EFS Interest Rule from the pick list.\n The bank may charge some penalty whenever the customer does an early settlement or closure of his loan account. \nFor more information on PPF interest rule, refer to the Interest Rules (Fast Path: LNM41) option.\n\n",null,"Yes"]
["EFS Interest Rate","Yes","Pick List","Select the interest rate to be applied for the EFS transaction interest rate from the pick list.\nFor more information on EFS interest rates, refer to the Loan Product Rates Plan (Fast Path: LN060) option.\n\n",null,"Yes"]
["Definitions "]
["Loan Term Comprises Of","Yes","Drop-down","Select the appropriate option from the drop-down list.",null,"Yes"]
["Only Principal Stages",null,null,"The loan term comprises the principal stages while drawing the schedule"]
["First Principal Stage Onwards",null,null,"The loan term starts after the first principal stage starts. "]
["All the Stages",null,null,"The loan term comprises of all the stages"]
["Stage No","No","Display","This column displays the serial number for the stages.\nThere can be a maximum of 99 stages defined for an account schedule.\n",null,"No"]
["Stage Name","No","Display","This column displays the stage name.\n Ideally the stages could be mentioned as IOI , EPI or IPI or FPI or PMI.\n",null,"No"]
["Installment Rule","No","Display","This column displays the installment rule applicable to each stage.",null,"No"]
["Int Rule","No","Display","This column displays the name of the interest rule applicable to each stage.",null,"No"]
["Interest Rate","No","Display","This column displays the interest rate applicable to each stage.",null,"No"]
["Payments/Terms","No","Display","This column displays the period in months for the maximum term allowed applicable to each stage.",null,"No"]
["Installment Frequency","No","Display","This column displays the installment frequency applicable to each stage in the schedule.\n The installment frequency indicates the repayment frequency of the Principal component of the installment.\n",null,"No"]
["Interest Frequency","No","Display","This column displays the interest frequency applicable to each stage in the schedule.\n The interest frequency indicates the repayment frequency of the Interest component of the installment.\n",null,"No"]

{"sheet":"Screen Shots - LN060","index":13,"n_rows":45,"n_cols":8,"rows_kept":45,"merged":[[1,0,1,13],[2,0,40,16],[46,0,79,15]]}
[]
["Note: Click the below given screen to view the input sheet."]
["Loans Product Rates Plan (Fast Path: LN060)"]
{"$rows_empty":41}
[{"$nulls":7},"Details"]

{"sheet":"Loans Product Rates Plan","index":14,"n_rows":73,"n_cols":15,"rows_kept":73,"merged":[[1,0,1,1],[2,0,2,1],[3,0,3,1],[4,0,4,1],[5,0,5,1],[7,0,7,3],[8,0,8,3],[9,0,9,3],[11,0,11,1],[12,0,12,1],[13,0,13,1],[14,0,14,1],[17,0,17,1],[18,0,18,6],[32,0,32,6],[32,7,32,14],[38,0,38,6],[38,7,38,14],[57,0,57,6],[57,7,57,14],[63,0,63,6],[63,7,63,14]]}
[]
["Legend"]
["Topic / Tab / Grid Name"]
["Possible Options"]
["Display Fields"]
["Input Fields"]
[]
["This sheet is to set up tiered or non-tiered applicable interest rates for the loan accounts as well as changing the rate at a later date. On defining the interest rates, you will attach this rate to different stages of the loan using the Schedule Type (Fast Path: LNM98) option."]
["Ensure that the following setup are complete before commencing this sheet."]
["The Prerequisites for the Loans Product Rates Plan are as follows:"]
[]
["Option",null,"Fast Path"]
["Interest Index Maintenance",null,"BAM12"]
["Interest Index Rates",null,"BAM13"]
["Product Master Maintenances",null,"LNM11"]
[]
[]
[]
["Loans Product Rates Plan (Fast Path: LN060)"]
["Parameter","Mand-atory","Format","Description","Validations","Modifiable","Sample Values","Product 1","Product 2","Product 3","Product 4","Product 5","Product 6","Product 7","Product 8"]
["Plan ID","Yes","Numeric [5]","Type the plan ID.\nIt is a manually generated unique number, which represents the product rates plan.\nOnce added, this field cannot be modified or amended\n",null,"No",12]
["Plan Name","Yes","Alphanumeric [40]","Type the descriptive name of the plan.",null,"No",7]
["Product Code","No","Display","This field displays the product code for which the product rates plan has been defined.\nAfter the Plan Id is attached to the product in the Schedule Type (Fast Path: LNM98) option, the product name as defined in the Product Master Maintenance (Fast Path: LNM11) is displayed along with the product code.",null,"No",10]
["Currency","No","Display","This field displays the currency assigned to the product at the product level.\nAll the entries are posted in the account in the account currency.\nFor example, if the currency assigned to a loans product is USD (US Dollar), the account opened under that product has USD as its account currency, by default.",null,"No","INR"]
["Effective Date","Yes","Pick List, dd/mm/yyyy","Select the effective date from the pick list.\nIt is the date from when the loan plan is effective.\nThe effective date can be current date or a future date.",null,"No","1/1/1800"]
["Rate Type","Yes","Drop-down","Select the rate type from the drop-down list.",null,"Yes"]
["Regular"]
["Penalty"]
["Partial Payoff Penalty"]
["EFS Penalty"]
["Post Maturity"]
["Credit Interest"]
["Tier Definition"]
["Rate Definition","Conditional","Drop-Down","Select the rate definition from the drop-down list.\n",null,"Yes"]
["Fixed Rate",null,null,"All accounts opened with this type of product rate will have fixed rate throughout the life of the loan unless changed later"]
["Floating Rate",null,null,"The rate effective for the selected interest index will be applicable on prorate basis. It will change as and when the interest linked to the index is changed."]
["Fixed Amount",null,null,"In this option an amount needs to be specified as a fixed interest and the same will be applied, irrespective of the balance outstanding or the rate of interest applicable."]
["TD Linked Rate",null,null,"This option defines if TD rates are to be linked to loan rates at product level. The user can select this value only if Regular option is selected in the Rate Type field.","The user can select this value only if Regular option is selected in the Rate Type field."]
["Tier Definition"]
["Slab Definition","Conditional","Drop-Down","Select the rate definition from the drop-down list.\n","This field displays the value as Non-Tiered, if the TD Linked Rates option is selected in the Rate Definition field or if the Credit interest option is selected in the Rate Type field.","Yes"]
["Non Tiered"]
["Tiered - Term Based",null,null,"For defining penalty interest across all stages"]
["Tiered - Amount Based",null,null,"For FPI (first period installment) loans, partial payoff penalty and EFS penalty"]
["Tiered - Amount Term Based"]
["Tier Criteria","Conditional","Drop-Down","Select the tier criteria from the drop-down list.\n","This field is enabled if the Tiered-Amount Based option is selected in the Slab Definition field.\nBy default Cumulative option is selected in this field, if TD Linked Rates option is selected in the Rate Definition field.","Yes"]
["Cumulative"]
["Incremental"]
["Tiered Term Lookup","Conditional","Drop-Down","Select the tier term lookup from the drop-down list.\n","This field is enabled if the Tiered - Term Based option is selected in the Slab Definition field. By default Sanctioned Term option is selected in this field, if TD Linked Rates option is selected in the Rate Definition field.","Yes"]
["Overdue Days",null,null,"The effective rate will be applicable as per the overdue days in the loan account"]
["Elapsed Term",null,null,"The rate plan will be effective as per the elapsed term"]
["Remaining Term"]
["Sanctioned Term"]
["Tiered Lookup Balance","Conditional","Drop-Down","Select the tier lookup criteria for amount based tier structure from the drop-down list. If the Tier Criteria is Incremental then it defaults to Interest Base option. If the Tier Criteria is Cumulative one of the following options needs to be selected:\n",null,"Yes"]
["Disbursed Amount",null,null,"The disbursed amount of the loan"]
["Sanctioned Amount",null,null,"The original sanctioned amount"]
["Interest Base",null,null,"The outstanding principal plus the existing unpaid arrears."]
["Outstanding Principal",null,null,"Only the outstanding principal."]
["Control Parameters"]
["Ceiling Rate\n","Conditional","Numeric [3,5]","Type the ceiling rate.\nIt is the maximum interest rate that is applicable to a product.\n","The value entered in this field should not be less then 0 and greater than 999.99999. The rate should be less then or equal to maximum interest rate.\nThis field is disabled if the TD Linked Rate option is selected in the Rate Definition field or if the Credit interest option is selected in the Rate Type field.","Yes",{"v":20,"d":"20.00000"}]
["Floor Rate\n","Conditional","Numeric [3,5]","Type the floor rate.\nIt is the minimum interest rate that is applicable to a product.","This field is disabled if the TD Linked Rate option is selected in the Rate Definition field or if the Credit interest option is selected in the Rate Type field.","Yes",10]
["Term Start Months\n","Yes","Numeric [3]","Type the number of months for the slab, which is being defined.\nThe system by default displays the minimum term defined at the product level. This value cannot be modified.\nClick the Term+ button to add a new start term slab. The term that is defaulted by the system cannot be modified.\nFor every new term, click this column to type the appropriate start month.",null,"No",12]
["TermStartDays\n","Yes","Numeric [2]","Type the number of days for the slab, which is being defined.\nThe system by default displays the minimum amount defined at the product level. This value cannot be modified.\nClick the Term+ button to add a new term.\nFor every new term, click this column to type the appropriate start day.",null,"No",30]
["SlabAmount","Yes","Numeric [13,2]","Type the amount for the loan.\nThe system by default displays the minimum amount defined at the product level.\nClick the Amt+ button to add a new amount. For every new amount slab, click this column to type the appropriate start amount for the slab.",null,"No",10000]
["Details"]
["Sr. No","No","Display","This column displays the system-generated serial number, based on the number of slabs defined in the plan.",null,"No",1]
["SlabAmount","No","Display","This column displays the start loan amount defined for the tier for amount based tier.",null,"No",1000]
["Start Months","No","Display","This column displays the number of months defined for the term based tier.",null,"No",11]
["Start Days","No","Display","This column displays the number of days defined for term based tier.",null,"No",21]
["Interest Index","Conditional","Picklist","Select the interest index defined for the tier from the pick list.","This field is disabled if the Fixed Amount option is selected in the Rate Definition field.\nThis field is enabled if the interest calculation method is defined as Tiered Floating at the product level.","Yes"]
["Interest Rate","No","Display","This column displays the rate of interest applicable for the selected interest index.",null,"No"]
["Interest Variance","Conditional","Numeric[2,5]","Type the variance on the interest for the respective slab.","The value entered in this field is validated with the Product Master Maintenance (Fast Path: LNM11) option.\nThis field is disabled if the Fixed Amount option is selected in the Rate Definition field.","Yes",11]
["Net Rate","No","Display","This column displays the rate at which the interest will be calculated.\nNet Rate = Interest Rate + Interest Variance\nThe net rate should be within the minimum and maximum interest rate defined in the Product Master Maintenance (Fast Path: LNM11) option.",null,"No"]
["Fixed Amount","Conditional","Numeric[13,5]","Type the fixed amount for the selected slab.","This field is enabled if the Fixed Amount option is selected in the Rate Definition field.","Yes",100000]

{"sheet":"Screen Shots - BAM13","index":15,"n_rows":3,"n_cols":1,"rows_kept":3,"merged":[[1,0,1,13],[2,0,40,16]]}
[]
["Note: Click the below given screen to view the input sheet."]
["Interest Index Rates (Fast Path: BAM13)"]

{"sheet":"Interest Index Rates","index":16,"n_rows":23,"n_cols":15,"rows_kept":23,"merged":[[1,0,1,1],[2,0,2,1],[3,0,3,1],[4,0,4,1],[5,0,5,1],[7,0,7,3],[8,0,8,3],[9,0,9,3],[11,0,11,1],[12,0,12,1],[15,0,15,1],[16,0,16,6]]}
[]
["Legend"]
["Topic / Tab / Grid Name"]
["Possible Options"]
["Display Fields"]
["Input Fields"]
[]
["This sheet is to set up tiered or non-tiered applicable interest rates for the loan accounts as well as changing the rate at a later date. On defining the interest rates, you will attach this rate to different stages of the loan using the Schedule Type (Fast Path: LNM98) option."]
["Ensure that the following setup are complete before commencing this sheet."]
["The Prerequisites for the Interest Index Rates are as follows:"]
[]
["Option",null,"Fast Path"]
["Interest Index Maintenance",null,"BAM12"]
[]
[]
[]
["Interest Index Rates (Fast Path: BAM13)"]
["Parameter","Mand-atory","Format","Description","Validations","Modifiable","Sample Values","Product 1","Product 2","Product 3","Product 4","Product 5","Product 6","Product 7","Product 8"]
["Index Code","Yes","Pick List","Select the interest index code from the pick list.\nThe pick list lists all the interest index codes defined in the Interest Index Maintenance (Fast Path: BAM12) option.",null,"No",12]
["Index Name","No","Display","This field displays the name of the index code selected in the Index Code field as defined in the Interest Index Maintenance (Fast Path: BAM12) option.",null,"No",10]
["Effective Date","Yes","Pick List, dd/mm/yyyy","Select the effective date from the pick list.\nIt is the date from when the loan plan is effective.\nThe effective date can be current date or a future date.",null,"No","1/1/1800"]
["Interest Rate","Yes","Numeric[5,5]","Type the interest rate for the interest index code.\nThis is the interest rate, which will be applicable when you select the corresponding interest index code.","The highest value in this field can be 99999.99999.","Yes",12.5]
["Advice Required","Optional","CheckBox","Select the Advice Required check box to generate advice for the interest rate change.",null,"Yes"]

{"sheet":"Screen Shots - PR001","index":17,"n_rows":3,"n_cols":1,"rows_kept":3,"merged":[[1,0,1,13],[2,0,40,16]]}
[]
["Note: Click the below given screen to view the input sheet."]
["Tier Look-up Definition (Fast Path: PR001)"]

{"sheet":"Tier Look-up Definition","index":18,"n_rows":32,"n_cols":15,"rows_kept":32,"merged":[[1,0,1,1],[2,0,2,1],[3,0,3,1],[4,0,4,1],[5,0,5,1],[7,0,7,3],[8,0,8,3],[9,0,9,3],[11,0,11,1],[12,0,12,1],[15,0,15,1],[16,0,16,6]]}
[]
["Legend"]
["Topic / Tab / Grid Name"]
["Possible Options"]
["Display Fields"]
["Input Fields"]
[]
["This sheet is to set up tiered or non-tiered applicable interest rates for the loan accounts as well as changing the rate at a later date. On defining the interest rates, you will attach this rate to different stages of the loan using the Schedule Type (Fast Path: LNM98) option."]
["Ensure that the following setup are complete before commencing this sheet."]
["The Prerequisites for the Interest Index Rates are as follows:"]
[]
["Option",null,"Fast Path"]
[]
[]
[]
[]
["Tier Look-up Definition (Fast Path: PR001) "]
["Parameter","Mand-atory","Format","Description","Validations","Modifiable","Sample Values","Product 1","Product 2","Product 3","Product 4","Product 5","Product 6","Product 7","Product 8"]
["Tier Definition No","Yes","Numeric[3]","Type the unique tier number.",null,"Yes",122]
["Tier Definition Description","Yes","Alphanumeric [40]","Type the description to identify a tier.",null,"Yes"]
["Tier Criteria","Yes","Drop-Down","Select the tier criteria from the drop-down list.",null,"Yes"]
["Non Tiered"]
["Tiered - Term Based"]
["Tiered - Amount Based"]
["Tiered - Amount Term Based"]
["Tier Term Lookup","Conditional","Drop-Down","Select the tier term look up from the drop-down list.\nIt is the tiered term on which the price is derived.","This field is enabled, if the Tiered - Term Based or Tiered - Amount Term Based option is selected from the Tier Criteria drop-down list.","Yes"]
["Fixed Rate Period",null,null,"If this option is selected ,then the base rate determination in the rate chart is on the basis of the fixed term of the loan."]
["Variable Rate Period",null,null,"If this option is selected, then the base rate determined in the rate chart is on the basis of the variable term of the loan."]
["Sanction Term",null,null,"If this option is selected, then the base rate determined in the rate chart is on the basis of the total loan term."]
["Tier Amount Lookup","Conditional","Drop-Down","Select the tier amount lookup from the drop-down list.\nIt is the tiered amount on which the price is derived.","This field is enabled, if the Tiered - Amount Based or Tiered - Amount Term Based option is selected from the Tier Criteria drop-down list.","Yes"]
["Sanctioned Amount",null,null,"If this option is selected, the base rate determined in the rate chart is on the basis of the sanctioned loan amount."]
["Disbursed Amount",null,null,"If this option is selected, the base rate determined in the rate chart is on the basis of the disbursed loan amount."]

{"sheet":"Screen Shots - PR002","index":19,"n_rows":3,"n_cols":1,"rows_kept":3,"merged":[[1,0,1,13],[2,0,40,16]]}
[]
["Note: Click the below given screen to view the input sheet."]
["Rate Chart Maintenance (Fast Path: PR002 )"]

{"sheet":"Rate Chart Maintenance","index":20,"n_rows":44,"n_cols":15,"rows_kept":44,"merged":[[1,0,1,1],[2,0,2,1],[3,0,3,1],[4,0,4,1],[5,0,5,1],[7,0,7,3],[8,0,8,3],[9,0,9,3],[11,0,11,1],[12,0,12,1],[15,0,15,1],[16,0,16,6],[24,0,24,6],[24,7,24,14],[27,0,27,6],[27,7,27,14],[30,0,30,6],[30,7,30,14],[37,0,37,6],[37,7,37,14]]}
[]
["Legend"]
["Topic / Tab / Grid Name"]
["Possible Options"]
["Display Fields"]
["Input Fields"]
[]
["This sheet is to set up tiered or non-tiered applicable interest rates for the loan accounts as well as changing the rate at a later date. On defining the interest rates, you will attach this rate to different stages of the loan using the Schedule Type (Fast Path: LNM98) option."]
["Ensure that the following setup are complete before commencing this sheet."]
["The Prerequisites for the Interest Index Rates are as follows:"]
[]
["Option",null,"Fast Path"]
["Tier Look up Definition",null,"PR001"]
[]
[]
[]
["Rate Chart Maintenance (Fast Path: PR002 )"]
["Parameter","Mand-atory","Format","Description","Validations","Modifiable","Sample Values","Product 1","Product 2","Product 3","Product 4","Product 5","Product 6","Product 7","Product 8"]
["Rate Chart Code","Yes","Numeric[3]","Type the unique rate chart code.",null,"Yes",122]
["Rate Chart Description","Yes","Alphanumeric [40]","Type the description for the rate chart.",null,"Yes"]
["Effective Date","Yes","Pick List, dd/mm/yyyy","Select the tier criteria from the drop-down list.",null,"Yes"]
["Term Definition","Yes","Drop-Down","Select the term definition from the drop-down list.",null,"Yes"]
["Weeks"]
["Months"]
["Fixed Rate Type"]
["Tier Definition No","Optional","Picklist","Type the tier definition code or select it from the pick list.\nIt is the tier definition on the basis of which the fixed rate offering is to be defined.\nThe pick list displays all the tier definitions maintained in the Tier Look-up Definition (Fast Path: PR001) option, except for the tier definitions where the Variable Rate Period option is selected from the Tier Term Look up drop-down list.",null,"Yes"]
["Rate Type Description","No","Display","This field displays the description corresponding to the selected tier definition.",null,"No"]
["Variable Rate Type"]
["Tier Definition No","Optional","Picklist","Type the tier definition code or select it from the pick list.\nIt is the tier definition on the basis of which the variable rate offering is to be defined.\nThe pick list displays all the tier definitions maintained in the Tier Look-up Definition (Fast Path: PR001) option, except for the tier definitions where the Fixed Rate Period option is selected from the Tier Term Look up drop-down list.",null,"Yes"]
["Rate Type Description","No","Display","This field displays the description corresponding to the selected tier definition.",null,"No"]
["Fixed"]
["Amount","Conditional","Numeric[13, 2]","Type the fixed slab amount.\nThe amount defined in each slab is the start amount of that slab.\nThe amount range for each slab = Amount defined in the subsequent slab – Amount defined in the current slab","This field is enabled, if rate chart type is tiered and the Tiered - Amount Based or Tiered - Amount Term Based option is selected from the Tier Criteria drop-down list in the Tier Look-up Definition (Fast Path: PR001) option.","Yes"]
["Start Term","Conditional","Numeric[3]","Type the fixed slab amount.\nThe amount defined in each slab is the start amount of that slab.\nThe amount range for each slab = Amount defined in the subsequent slab – Amount defined in the current slab","This field is enabled, if rate chart type is tiered and the Tiered - Term Based or Tiered - Amount Term Based option is selected from the Tier Criteria drop-down list in the Tier Look-up Definition (Fast Path: PR001) option.","Yes"]
["Interest Index","Yes","Picklist","Select the interest index code from the pick list.\nThe pick list displays the list of authorised index codes available for loan.\nIf the rate offering is tiered, then the base rate applicable for the amount/ tier is selected.\nIf the rate offering is non-tiered, then the single base rate is selected.",null,"Yes"]
["Interest Description","No","Display","This column displays the description of the interest index code selected in the corresponding column.",null,"No"]
["Interest Rate","No","Display","This column displays the interest rate applicable for the index code selected. It displays up to 10 digits after decimal.",null,"No"]
["Narration","Optional","Alphanumeric [40]","Type the narration.",null,"Yes"]
["Variables"]
["Amount","Conditional","Numeric[13, 2]","Type the fixed slab amount.\nThe amount defined in each slab is the start amount of that slab.\nThe amount range for each slab = Amount defined in the subsequent slab – Amount defined in the current slab","This field is enabled, if rate chart type is tiered and the Tiered - Amount Based or Tiered - Amount Term Based option is selected from the Tier Criteria drop-down list in the Tier Look-up Definition (Fast Path: PR001) option.","Yes"]
["Start Term","Conditional","Numeric[3]","Type the fixed slab amount.\nThe amount defined in each slab is the start amount of that slab.\nThe amount range for each slab = Amount defined in the subsequent slab – Amount defined in the current slab","This field is enabled, if rate chart type is tiered and the Tiered - Term Based or Tiered - Amount Term Based option is selected from the Tier Criteria drop-down list in the Tier Look-up Definition (Fast Path: PR001) option.","Yes"]
["Interest Index","Yes","Picklist","Select the interest index code from the pick list.\nThe pick list displays the list of authorised index codes available for loan.\nIf the rate offering is tiered, then the base rate applicable for the amount/ tier is selected.\nIf the rate offering is non-tiered, then the single base rate is selected.",null,"Yes"]
["Interest Description","No","Display","This column displays the description of the interest index code selected in the corresponding column.",null,"No"]
["Interest Rate","No","Display","This column displays the interest rate applicable for the index code selected. It displays up to 10 digits after decimal.",null,"No"]
["Narration","Optional","Alphanumeric [40]","Type the narration.",null,"Yes"]

{"sheet":"Screen Shots - BAM12","index":21,"n_rows":3,"n_cols":1,"rows_kept":3,"merged":[[1,0,1,13],[2,0,40,16]]}
[]
["Note: Click the below given screen to view the input sheet."]
["Interest Index Maintenance (Fast Path : BAM12)"]

{"sheet":"Interest Index Maintenance","index":22,"n_rows":27,"n_cols":15,"rows_kept":27,"merged":[[1,0,1,1],[2,0,2,1],[3,0,3,1],[4,0,4,1],[5,0,5,1],[7,0,7,3],[8,0,8,3],[9,0,9,3],[11,0,11,1],[12,0,12,1],[15,0,15,1],[16,0,16,6],[21,0,21,6],[21,7,21,14]]}
[]
["Legend"]
["Topic / Tab / Grid Name"]
["Possible Options"]
["Display Fields"]
["Input Fields"]
[]
["This sheet is used to maintain the index names and associated codes.These codes can be subsequently linked to interest rates using the Interest Index Rates (Fast Path: BAM13) option."]
["Ensure that the following setup are complete before commencing this sheet."]
["The Prerequisites for the Interest Index Maintenance are as follows:"]
[]
["Option",null,"Fast Path"]
[]
[]
[]
[]
["Interest Index Maintenance (Fast Path : BAM12)"]
["Parameter","Mand-atory","Format","Description","Validations","Modifiable","Sample Values","Product 1","Product 2","Product 3","Product 4","Product 5","Product 6","Product 7","Product 8"]
["Interest Index Code","Yes","Numeric[4]","Type the interest index code.\nEach code uniquely identifies a different interest index and is manually generated. This code will be displayed in screens where the interest index should be attached such as Defining a Product, OD Limit Maintenance, etc.",null,"Yes",122]
["Interest Index Name","Yes","Alphanumeric [40]","Type the name for the interest index code.",null,"Yes","Loan Interest Rate"]
["Index Currency","Optional","Drop-Down","Select the currency code from the drop-down list.",null,"Yes","INR"]
["Index Period"]
["Units","Conditional","Numeric [2]","Type the number of units. This field defines the repricing frequency for Loans and OD accounts.","This field is enabled if the option is selected from the Value drop-down list.","Yes",15]
["Value","Optional","Drop-Down","Select the index period value from the drop-down list.","This field is valid for loan and OD account.","Yes","Days"]
["Days"]
["Months"]
["Years"]

{"sheet":"Screen Shots - LNM11","index":23,"n_rows":304,"n_cols":6,"rows_kept":304,"merged":[[1,0,1,13],[2,0,73,16],[75,5,76,7],[113,5,114,7],[150,5,151,7],[224,5,226,7],[265,5,266,7],[303,5,304,7]]}
[]
["Note: Click the below given screen to view the input sheet."]
["Product Master Maintenances (Fast Path : LNM11)"]
{"$rows_empty":72}
[{"$nulls":5},"Booking"]
{"$rows_empty":37}
[{"$nulls":5},"Disbursements"]
{"$rows_empty":36}
[{"$nulls":5},"Repayments"]
{"$rows_empty":73}
[{"$nulls":5},"Non Payments"]
{"$rows_empty":40}
[{"$nulls":5},"Closure"]
{"$rows_empty":37}
[{"$nulls":5},"GL Reporting"]

{"sheet":"Product Master Maintenances","index":24,"n_rows":260,"n_cols":15,"rows_kept":260,"merged":[[1,0,1,1],[2,0,2,1],[3,0,3,1],[4,0,4,1],[5,0,5,1],[7,0,7,3],[8,0,8,3],[9,0,9,3],[11,0,11,1],[12,0,12,1],[13,0,13,1],[14,0,14,1],[15,0,15,1],[16,0,16,1],[17,0,17,1],[20,0,20,1],[21,0,21,6],[25,0,25,6],[25,7,25,14],[53,0,53,6],[53,7,53,14],[54,0,54,6],[54,7,54,14],[70,0,70,6],[70,7,70,14],[83,0,83,6],[83,7,83,14],[96,0,96,6],[96,7,96,14],[103,0,103,6],[103,7,103,14],[106,0,106,6],[106,7,106,14],[108,0,108,6],[108,7,108,14],[109,0,109,6],[109,7,109,14],[122,0,122,6],[122,7,122,14],[127,0,127,6],[127,7,127,14],[133,0,133,6],[133,7,133,14],[134,0,134,6],[134,7,134,14],[144,0,144,6],[144,7,144,14],[155,0,155,6],[155,7,155,14],[172,0,172,6],[172,7,172,14],[175,0,175,6],[175,7,175,14],[180,0,180,6],[180,7,180,14],[186,0,186,6],[186,7,186,14],[192,0,192,6],[192,7,192,14],[196,0,196,6],[196,7,196,14],[198,0,198,6],[198,7,198,14],[199,0,199,6],[199,7,199,14],[203,0,203,6],[203,7,203,14],[209,0,209,6],[209,7,209,14],[213,0,213,6],[213,7,213,14],[215,0,215,6],[215,7,215,14],[216,0,216,6],[216,7,216,14],[221,0,221,6],[221,7,221,14],[222,0,222,6],[222,7,222,14],[236,0,236,6],[236,7,236,14],[244,0,244,6],[244,7,244,14],[249,0,249,6],[249,7,249,14],[253,0,253,6],[253,7,253,14]]}
[]
["Legend"]
["Topic / Tab / Grid Name"]
["Possible Options"]
["Display Fields"]
["Input Fields"]
[]
["This sheet is to set up tiered or non-tiered applicable interest rates for the loan accounts as well as changing the rate at a later date. On defining the interest rates, you will attach this rate to different stages of the loan using the Schedule Type (Fast Path: LNM98) option."]
["Ensure that the following setup are complete before commencing this sheet."]
["The Prerequisites for the Interest Index Rates are as follows:"]
[]
["Option",null,"Fast Path"]
["Reminder Plan Maintenance",null,"BAM44"]
["Asset Classification Preferences",null,"ACM02"]
["Asset Classification Plan Maintenance",null,"ACM05"]
["Document Plan Code Maintenance",null,"BA035"]
["Loan Plan Deduction Maintenance",null,"LNM22"]
["Agriculture Plan Code Maintenance",null,"ALM21"]
[]
[]
[]
["Product Master Maintenances (Fast Path : LNM11)"]
["Parameter","Mand-atory","Format","Description","Validations","Modifiable","Sample Values","Product 1","Product 2","Product 3","Product 4","Product 5","Product 6","Product 7","Product 8"]
["Product Code","Yes","Numeric[3]","Type the product code.\nProduct Code is a manually generated unique identifier of the loan product.\nThe product code that is being assigned should be within the range of loan modules as specified in the FLEXCUBE table ba_prod_acct_info (Internal Table).",null,"Yes",122]
["Name","Yes","Alphanumeric [40]","Type a descriptive name for the product.",null,"Yes","Retail Loan"]
["Definition"]
["Product Currency","Yes","Drop-Down","Select the currency for the product from the drop-down list.\nThe drop-down lists the currency codes maintained in the Currency Codes Maintenance (Fast Path: BAM56) option.\nOnce added, this field cannot be modified or amended.",null,"Yes"]
["Product Category","Optional","Pick List","Select the category of the product from the pick list.",null,"Yes"]
["Product Classification","Optional","Alphanumeric [10]","Type the product classification detail.\nThis is a free text field used for grouping of products for reporting purposes.",null,"Yes"]
["Entrusted Loan","Optional","Check Box","Select the Entrusted Loans check box to categorise the product as a entrusted product",null,"Yes"]
["MCLR Flag","Optional","Check Box","Select the check box to categorise all the accounts opened under the product as MCLR Loan",null,"Yes"]
["Advertising Message","Optional","Alphanumeric [72]","Type the product classification detail.\nThis is a free text field used for grouping of products for reporting purposes.",null,"Yes"]
["Product Expiry Date","Yes","Pick List , dd/mm/yyyy","Select the expiry date of the product from the pick list.\nThe user should set up the expiry date, at the time of initial product definition. The user cannot open new accounts under the product, after the expiry date. But accounts existing under the product will continue to function normally.",null,"Yes","2099-01-01"]
["Loan Type","Yes","Drop Down","Select the loan type from the drop-down list.",null,"Yes","Term"]
["Agriculture"]
["Term"]
["Revolving"]
["Rate Revision Allowed","Conditional","Check Box","Select the Rate Revision Allowed check box if revision of interest rate is to be allowed during the life term of the product.","This field is disabled if the Add on Loan check box is selected.","Yes"]
["Interest Accrual Frequency","Yes","Drop Down","Select the frequency at which the interest is accrued from the drop-down list.\nThe accrual entries are passed based on the accrual frequency set up at the product level.",null,"Yes","Daily"]
["Daily"]
["Monthly"]
["Add On Loan","Optional","Check Box","Select the Add On Loan check box to define a syariah type of loan.","This field is not applicable for Agricultural Loan","Yes"]
["Backdated Account Open Allowed","Optional","Numeric [3]","Type the threshold number of days upto which the loan accounts can be opened with back date under this product.","This field is not applicable for Agricultural Loan","Yes"]
["Propagate Rate for PMI","Optional","Check Box","Select the Propagate Rate for PMI checkbox to apply regular rate to the PMI stage.","This field is not applicable for Agricultural Loan","Yes"]
["Allow Maturity Extn if Arrears","Optional","Check Box","Select the Maturity Extn if Arrears checkbox to extend the loan account maturity date beyond the existing FCR maturity date.","This field is not applicable for Agricultural Loan","Yes"]
["Compounding rate method","Yes","Drop Down","Select the rate from the drop-down list.","This field is not applicable for Agricultural Loan","Yes","Account Rate"]
["Account Rate"]
["Index Rate"]
["Penalty Rate Basis","Yes","Drop Down","Select the penalty rate from the drop-down list.",null,"Yes","Rate Plan"]
["Rate Plan",null,null,"This signifies the Loans Product Rates Plan (FP: LN060) to be used for penalty for loan. The base rate used for penalty interest computation will be the index code applicable as per the Loans Product Rates Plan (FP: LN060) (linked through option Schedule Types (FP: LNM98). The variance defined in the Account Variance Maintenance (FP: LN079) for penalty type of rate will be applied over this index rate to derive the net penalty rate. Net Penalty rate = index rate (for penalty) +/- penalty variance."]
["Net Account Rate",null,null,"The net effective rate of the loan (regular rate) will be used as the base for penalty rate. The variance defined in the Account Variance Maintenance (FP: LN079) for penalty type of rate will be applied over the net effective rate of the loan to derive the net penalty rate. Change in any factor that constitute the regular rate of interest, will trigger a recalculation of penalty interest rate if the penalty rate is derived using net account rate. Once the option is chosen and record is authorized, the option cannot be modified during the life of the loan account. So Net Penalty rate = Net effective account rate (regular rate) +/- penalty variance."," "]
["Disallow PMI Interest","Optional","Check Box","Select Disallow PMI Interest check box to suppress the calculation of PMI interest for all the loan accounts opened under the product.",null,"Yes"]
["Provision Plan Code","Yes","Pick List","Select the provision plan code from the picklist.This defined the an expense set aside as an allowance for bad loans.",null,"Yes"]
["Booking"]
["Limits"]
["Minimum Loan Amount","Optional","Numeric [11,2]","Type the minimum loan amount that can be granted for an account opened under the product.",null,"Yes"]
["Maximum Loan Amount","Optional","Numeric [13,2]","Type the maximum loan amount that can be granted for an account opened under the product.",null,"Yes"]
["Minimum Term in Months","Yes","Numeric [3]","Type the minimum term in months, for which the loan should be defined. This period does not include the IOI stage.",null,"Yes",12]
["Maximum Term in Months","Yes","Numeric [3]","Type the maximum term in months, for which the loan is defined.",null,"Yes",60]
["Minimum Interest Variance","Optional","Numeric [2,5]","Type the minimum interest variance allowed on the interest rate for the product.\nThe account level interest variance should be within the value defined at the product level. Once added, this field cannot be modified or amended.",null,"Yes"]
["Maximum Interest Variance","Optional","Numeric [2,5]","Type the maximum interest variance allowed on the interest rate for the product.\nThe account level interest variance should be within the value defined at the product level. Once added, this field cannot be modified or amended.",null,"Yes"]
["Minimum Installment","Optional","Numeric [11,2]","Type the minimum installment amount that can be accepted as an installment for an account opened under the product.",null,"Yes"]
["Maximum Installment","Optional","Numeric [13,2]","Type the maximum amount that can be accepted as an installment for an account opened under the product.",null,"Yes"]
["Minimum Grace Period (in Days)","Optional","Numeric [3]","Type the minimum grace period in months.","This field is enabled if the loan product type is Islamic.The grace period at the account level should be greater than the minimum grace period defined here.","Yes",30]
["Maximum Grace Period (in Days)","Optional","Numeric [3]","Type the maximum grace period in months.","The grace period at the account level should be less than the maximum grace period defined here.","Yes",90]
["Floor Rate","Yes","Numeric [3, 10]","Type the floor rate.\nIt is the minimum interest rate that is applicable to a product.","The value entered in this field should not be less than or equal to 100","Yes"]
["Ceiling Rate","Yes","Numeric [3, 10]","Type the ceiling rate.\nIt is the variance from benchmark rate in percentage term that can be added to benchmark rate to charge maximum possible rate to the loan account.","The value entered in this field should not be less than or equal to 100","Yes"]
["Offer Validity Period","Yes","Numeric [3, 10], Drop-Down","Type the offer validity period in days/months/years.\nOffer validity period is the stage where the bank makes an offer to the customer and the customer accepts the terms and conditions of the loan, before the loan offer expires. Offer validity period starts after the offer letter is printed.","This period should be less than the product expiry date.","Yes"]
["Acceptance Validity Period","Yes","Numeric [3, 10], Drop-Down","Type the acceptance validity period in days/months/years.\nAcceptance validity period starts from the date the customer has accepted the offer. The first disbursement on the account has to happen before the expiry of Acceptance Validity period calculated from the Offer acceptance date.\nThe Customer Acceptance (Fast Path: 5597) option records this particular event for an application.",null,"Yes"]
["Minimum Split Loan Amount","Yes","Numeric [13,2]","Type the minimum loan amount beyond which the original loan account cannot be split.\nIt is the minimum amount that should be left in the loan account after split.",null,"Yes"]
["Defaults"]
["Document Plan Code","Optional","Picklist","Select the document plan code from the pick list.\nA document plan code is defined in the Document Plan Code Maintenance (Fast Path: BA035) option.",null,"Yes"]
["Statement Frequency","Yes","Drop Down","Select the statement frequency from the drop-down list.\nStatement frequency is the frequency at which the account statement is sent to the customer. Combined statements for multiple accounts are defined in the Combined Statement Plan (Fast Path: CI162) option.",null,"Yes"]
["None"]
["Monthly"]
["Bimonthly"]
["Quarterly"]
["Half Yearly"]
["Yearly"]
["Pass Contingents","Optional","Check Box","Select the Pass Contingents check box to pass the contingent entries. It allows the user to select the frequency of the contingent entries.",null,"Yes"]
["Contingent Entry Frequency","Conditional","Drop-Down","Select the contingent entry frequency from the drop-down list.\nIt is the frequency of executing the contingent entries.","This field is enabled only if the Pass Contingents check box is selected.","Yes"]
["Daily"]
["Monthly"]
["Security"]
["Type Of Security Required","Optional","Drop-Down","Select the type of security from the drop-down list.",null,"Yes"]
["Security",null,null,"A security has to be linked to the account"]
["Guarantor",null,null,"A customer has to be linked to the account with ‘GUA’ relationship"]
["None",null,null,"Allows unsecured loans"]
["Co-Borrower",null,null,"The co-borrower can be linked to the loan account as a type of security"]
["Collateral Review Frequency","Optional","Drop-Down","Select the collateral review frequency from the drop-down list.\nIt is the frequency at which the collateral offered against the loan should be reviewed. A report will be generated comparing the collaterals provided against a credit on the account.",null,"Yes"]
["None"]
["Monthly"]
["Bimonthly"]
["Quarterly"]
["Half Yearly"]
["Yearly"]
["Exception Reporting"]
["Small Loan Amount","Yes","Numeric [11,2]","Type the small loan amount.\nIf the loan is disbursed for a value below the amount specified, it is automatically reflected in the exception report for the day.",null,"Yes"]
["Large Loan Amount","Yes","Numeric [13,2]","Type the large loan amount.\nIf the loan is disbursed for a value above the amount specified, it is automatically reflected in the exception report for the day.",null,"Yes"]
["Small Term in Months","Optional","Numeric [3]","Type the small period in months.\nIf the loan is disbursed for a period below the term specified, it is automatically reflected in the exception report for the day.",null,"Yes"]
["Large Term in Months","Optional","Numeric [3]","Type the large period in months.\nIf the loan is disbursed for a period above the term specified, it is automatically reflected in the exception report for the day.",null,"Yes"]
["Small Rate","Optional","Numeric [6,5]","Type the small rate of interest.\nIf the loan is disbursed for a value below the rate specified, it is automatically reflected in the exception report for the day.",null,"Yes"]
["Large Rate","Optional","Numeric [6,5]","Type the large rate of interest.\nIf the loan is disbursed for a value above the rate specified, it is automatically reflected in the exception report for the day.",null,"Yes"]
["Sanctioned Amount Revision"]
["Allow Upwards","Optional","Check Box","Select the Allow Upwards check box if the sanctioned limit of the account can be increased.",null,"Yes"]
["Allow Downwards","Optional","Check Box","Select the Allow Downwards check box if the sanctioned limit of the account can be decreased.",null,"Yes"]
["Agriculture Plan Master"]
["Plan Code","Conditional","Picklist","Select the plan code which is to be attached for the loan account",null,"Yes"]
["Disbursements"]
["Limits"]
["Allowed Disbursement Modes","Optional","Check Box","Select the appropriate check boxes to indicate the allowed disbursement modes.\nThe bank can restrict the disbursal modes for certain products. It is mandatory to select any one of the check box.","ATM,POS,Outward remittance and External account modes are not applicable for Agricultural Loans","Yes"]
["Current / Savings"]
["Cash"]
["Cheque"]
["GL"]
["ATM"]
["POS"]
["Outward Remittance"]
["External Account",{"$nulls":3},"This option will need to be selected for disbursement through NEFT/RTGS"]
["Maximum No Of Disbursements","Conditional","Numeric [5]","Type the maximum number of times the bank can disburse the loan.","Only one disbursement can take place during a day.","Yes"]
["Threshold on Sanctioned Amount","Optional","Numeric [3]","Type the threshold on sanctioned amount.\nThe threshold percentage is the percentage over sanctioned amount that can be disbursed without any additional checks or authorisation.",null,"Yes"]
["Rescission Period in Days","Yes","Numeric [3]","Type the rescission period after the disbursal of the loan.\nThe rescission period starts after the first disbursal.\nIf the customer wants to cancel the loan within the rescission period, then all the deduction and the interest accrued/charged on the account will be reversed by the system. Any deductions to be levied on the account are handled operationally.",null,"Yes"]
["Defaults"]
["Disbursement Deduction Plan Code","Optional","Picklist","Select the disbursement deduction plan code from the pick list.\nA deduction plan is a list of deductions/billing/debits to be performed at the time of loan disbursement (first disbursements only).\nA deduction plan consists of more than one type of deduction and is set up in the Loan Plan Deduction Maintenance (Fast Path: LNM22) option.","No deduction of installment type is allowed for IPI type loans.","Yes"]
["Schedule Drawn On","Conditional","Drop-Down","Select the appropriate schedule drawn on option from the drop-down list.","This field is enabled if Loan Type is selected as Term or Agriculture in Definition tab.","Yes"]
["Actual Outstanding Amount"]
["External Account"]
["Amortization"]
["Method of Amortization","Yes","Drop-Down","Select the method of amortization to be adopted from the drop-down list.",null,"Yes"]
["Straight-Line",null,null,"If this option is selected for the loans account: Monthly amortisable amount = charge collected * no of days in that month / term of the loan in Days. i.e., actual total days from disbursement date to maturity date. If this option is selected for OD: Monthly amortisable amount = charge collected * no of days in that month / term of the OD in days,i.e., actual total days from limit sanction date to limit expiry date."]
["IRR",null,null,"This option is applicable only for term loan accounts. FLEXCUBE will create 2 schedules internally for 2 different IRR's. First IRR is calculated for the entire loan amount and the second IRR is calculated for the loan amount - service charge. The difference in the interest component of Schedule 1 and Schedule 2 will be the amortized service charge component for the month."]
["Amortization- Accounting Entries Frequency","No","Display","This field displays the amortization frequency based on the method of amortization selected in the corresponding field.\nIf the Straight-Line option is selected in the Method of Amortization field, this field will be defaulted to Calendar and if IRR-Based option is selected Anniversary will be displayed.",null,"No"]
["Move To Regular Stage After Disbursement","Conditional","Check box","Select the check box to allow the account to move to regular type from IOI stage.","This field is enabled if Loan Type is selected as Term in Definition tab.","Yes"]
["RePayments"]
["Limits"]
["Allowed Repayment Modes","Optional","Check box","Select the appropriate check boxes to indicate the repayment modes.\nThe repayment mode allowed should be any of the modes allowed.","It is mandatory to select any one of the check box. ATM,POS,Inward remittance and External account modes are not applicable for Agricultural Loans","Yes"]
["Current / Savings"]
["Cash"]
["Cheque"]
["GL"]
["ATM"]
["POS"]
["Inward Remittance"]
["External Account",{"$nulls":3},"This option will need to be selected for installment payment through ACH, NEFT, RTGS or IMPS"]
["Defaults"]
["Allow Custom Appropriation","No","Check Box","To be checked if the appropriation sequence is to be custom defined for the product.if checked, the field “Appropriation Sequence” is editable \nAllowed string can be same as or a subset of the Appropriation sequence defaulted from Asset Classification Plan.\n","if checked, the field “Appropriation Sequence” is editable \nAllowed string can be same as or a subset of the Appropriation sequence defaulted from Asset Classification Plan.\n","Yes"]
["Appropriation Sequence","No","Alphanumeric (23)","Define the appropriation sequence for normal loans, indicating the sequence in which the funds credited to the loan account shall be appropriated to the various arrear buckets.\nThe standard sequence is CIFPOLANUTSDEGMZ\nIt stands for:\n• C - Principal Arrears\n• I - Interest Arrears\n• F - Fee Arrears\n• P - Premium Arrears\n• O - Outgoing Arrears\n• L - Late Fee Arrears (Suspended Penalty interest)\n• A - Penalty Arrears\n• N - Non Accrual Interest Arrears (Suspended interest)\n• U - Suspended Post Maturity Interest\n• T - Post Maturity Interest\n• S - Legal Fees Arrears\n• D - Suspended Fees\n• E - Suspended legal fees\n• G - Suspended Premium\n• M - Suspended Outgoings\n• Z - Debit but not Due\nThe sequence can be defined by the user if the \"Allow Custom Appropriation\" flag is checked",null,"No"]
["Longest Overdue First","Optional","Check Box","Select the Longest Overdue First check box to perform the appropriation sequence date-wise.",null,"Yes"]
["Payoff Benefit","Yes","Drop-Down","Select the payoff benefit from the drop-down list.\nIt is applicable only when a partial payoff is attempted. The benefit in the interest base is expected from this field.",null,"Yes"]
["Immediate",null,null,"The effect of the PPF happens immediately."]
["Next Due Date",null,null,"The effect of the PPF takes place on the next due date of the loan schedule."]
["Next Rest Period",null,null,"The effect of the PPF takes place on the next rest period of the loan schedule."]
["No Effect"]
["Lead Days for Repayment Date","Conditional","Numeric [5]","Type the number of days available to the customer for repayment of dues.","This field is enabled if Loan Type is selected as Revolving in Definition tab.","Yes"]
["Minimum Amount For PPF","Yes","Numeric [13, 2]","Type the minimum number of installments that must be paid by the customer to treat the repayment as partial pay off.",null,"Yes"]
["Auto Repayments (Draw Down)"]
["DrawDown Behavior","Optional","Drop-Down","Select the drawdown behavior from the drop-down list.","This field is not applicable for Agricultural Loans.","Yes"]
["Partial Amount Allowed",null,null,"Drawdown partial amount of installment incase funds for the entire installment is not available"]
["Full Payment Only",null,null,"Drawdown only full installment amount, else reject the drawdown"]
["Raise Earmark",null,null,"Drawdown for funds available in CASA account and raise earmark for the remaining un-available amount"]
["Force Debit",null,null,"Drawdown the required funds from CASA account by force debit on CASA account"]
["Include unbilled Penalty for Drawdown","Optional","Check Box","Select the Include unbilled Penalty for Drawdown check box if the unbilled amount has to be included for drawdown.","This field is not applicable for Agricultural Loans.","Yes"]
["DrawDown In","Optional","Drop-Down","Select the drawdown option from the drop-down list.","This field is not applicable for Agricultural Loans.","Yes"]
["EOD"]
["BOD"]
["DrawDown Retry In","Conditional","Drop-Down","Select the drawdown retry option from the drop-down list.","This field is enabled if the Maximum Retries (Daily Retry) is more than zero. This field is not applicable for Agricultural Loans.","Yes"]
["EOD"]
["BOD"]
["Both"]
["Maximum Retries (Daily Retry)","Yes","Numeric [5]","Type the maximum number of retries incase a drawdown is set up on a CASA account and the CASA account does not have the funds. The system will try to draw down from the CASA account for the specified number of times on consecutive days in the BOD.","This field is not applicable for Agricultural Loans.","Yes"]
["Charge Penalty on Retry","Optional","Check Box","Select the Charge Penalty on Retry check box to charge penalty for the draw down retires.","This field is not applicable for Agricultural Loans.","Yes"]
["Drawdown On Next Working Day","Optional","Check Box","Select the Drawdown On Next Working Day check box to process the drawdown on the next working day in case the drawdown day is a holiday.\nIf check box is not selected, the drawdown would happen on the previous working day.","This field is not applicable for Agricultural Loans.","Yes"]
["Rate Intimations"]
["Generate Intimations for Rate Change","Optional","Check Box","Select the Generate Intimations for Rate Change check box to generate the rate change intimation.",null,"Yes"]
["Lead Days for Rate Renewal","Conditional","Numeric [5]","Type the lead days for rate renewal intimation.","This field is enabled if the Generate Intimations for Rate Change check box is selected.","Yes"]
["Pre-payments"]
["Disallow PPF","Conditional","Check Box","Select the Disallow PPF check box to disallow partial pay off through any mode for the accounts opened under this product.",null,"Yes"]
["Disallow EFS","Optional","Check Box","Select the Disallow EFS check box to disallow EFS/full pay off through any mode for loan accounts opened under this product.",null,"Yes"]
["Disallow Advance Payment","Conditional","Check Box","Select the Disallow Advance Payment check box to disallow advance installment payment through any mode for loan accounts opened under this product.","This check box is selected and disabled if the Add On Loan check box is selected in the Definition tab.\nThis field is not applicable for Agricultural Loans.","Yes"]
["Disallow PPF if there are unpaid arrears","Optional","Check Box","Select the Disallow PPF if there are unpaid arrears check box to disallow PPF, pay off through any mode for loan accounts if there are unpaid arrears.",null,"Yes"]
["Repayment Review"]
["Lead Days for Repayment review","Yes","Numeric [2]","Type the lead days for repayment review in days.","It should be greater than zero and less than or equal to 60.","Yes"]
["Repayment Review Period","Yes","Numeric [3]","Type the repayment review period in months.","It should be greater than the value defined in the Lead days for repayment review field.","Yes"]
["Default Reschedule Mode","Conditional","Drop-Down","Select the default reschedule mode from the drop-down list.","This field is enabled if the Repayment Review Period is greater than zero.","Yes"]
["Recalculate Installment"]
["Recalculate Term"]
["Penalty Interest Calculation Rule on PPF"]
["PPF Penalty %","Optional","Numeric [5]","Type the PPF penalty %. The percentage value entered in this field is used to calculate the penalty interest on PPF.",null,"Yes"]
["PPF Penalty Routine","Optional","Picklist","Select the PPF penalty routine from the pick list. The penalty interest calculation on PPF will be based on the penalty routine selected.",null,"Yes"]
["Routine 1",null,null,"Interest for 1 month of total principal * (Pre Defined % at product Level)"]
["Routine 2",null,null,"Interest for 1 month of PPF principal * (Pre Defined % at product Level )"]
["Routine 3",null,null,"Interest on PPF principal in current period * (Pre Defined % at product level). Current period – From last charging date to PPF date."]
["Deferments"]
["Deferments","Optional",null,"Enter the deferment value . This is a holiday period added in the regular stage of loans which is basically a relaxing period",null,"Yes"]
["Number of Deferments allowed in a year","Optional",null,"Enter the total no of deferments allowed in a year for the product code.",null,"Yes"]
["Minimum Installments before Deferment","Optional",null,"Enter the minimum number of installments to be done before deferment is allowed.",null,"Yes"]
["Installment Due Intimations"]
["Lead Days for Installment Due Alert","Optional","Numeric","Enter the number of lead days before which the alert needs to be generated.",null,"Yes"]
["NonPayments"]
["Limits"]
["Grace Period","Yes","Numeric [3]","Type the maximum number of grace days for the payment of installment arrears without any penalty.",null,"Yes"]
["Waive Penalty on MinDue Payment","Conditional","Check Box","Select the Waive Penalty on MinDue Payment check box if you want to waive the penalty applied on minimum due payment.\nIf the MAD is paid, then the penalty is not calculated.","This field is enabled if Loan Type is selected as Revolving or Agriculture in Definition tab.","Yes"]
["Compute Penalty on repayments","Optional","Check Box","Select the Compute Penalty on repayments check box to calculate the penalty to be levied on repayments.",null,"Yes"]
["Defaults"]
["Allow Custom Appropriation","No","Check Box","To be checked if the NPL appropriation sequence is to be custom defined for the product.if checked, the field “Appropriation Sequence” is editable \nAllowed string can be same as or a subset of the Appropriation sequence defaulted from Asset Classification Plan.","if checked, the field “NPL Appropriation Sequence” is editable \nAllowed string can be same as or a subset of the Appropriation sequence defaulted from Asset Classification Plan.","Yes"]
["Reminder Plan","Yes","Picklist","Select the reminder plan from the pick list.\nThe loan reminder plan code containing the nature of reminders is sent to customers and / or their associates in case of non-payment of arrears.\nReminder plans are maintained in the Reminder Plan Maintenance (Fast Path: BAM44) option.",null,"Yes"]
["Minimum Arrears for reminder","Yes","Numeric [13,2]","Type the minimum arrears for reminder.",null,"Yes"]
["NPL Appropriation Sequence","No","Alphanumeric (23)","Define the sequence in which the balance in an NPL account will be appropriated indicating the sequence in which the funds credited to a suspended loan account shall be appropriated to the various arrear buckets.\nThe sequence is user defined and is normally CIFPOLANUTSDEGMZ\nIt stands for:\n• C - Principal Arrears\n• I - Interest Arrears\n• F - Fee Arrears\n• P - Premium Arrears\n• O - Outgoing Arrears\n• L - Late Fee Arrears (Suspended Penalty interest)\n• A Penalty Arrears\n• N - Non Accrual Interest Arrears (Suspended interest)\n• U - Suspended Post Maturity Interest\n• T - Post Maturity Interest\n• S - Legal Fees Arrears\n• D - Suspended Fees\n• E - Suspended legal fees\n• G - Suspended Premium\n• M - Suspended Outgoings\n• Z - Debit but not Due\nThe sequence can be defined by the user if the \"Allow Custom Appropriation\" flag is checked..",null,"No"]
["Longest Overdue First","Optional","Check Box","Select the Longest Overdue First check box to perform the appropriation sequence date-wise.",null,"Yes"]
["Asset Classification Preferences"]
["Preferences Plan Code","Optional","Picklist","Select the preference plan code from the pick list.\nA preference plan code of the classification preferences, determines the preference set for the product with respect to CRR movement, provisioning and claw-back, used for suspended accounts.",null,"Yes"]
["Secured Classification Plan Code","Optional","Picklist","Select the secured classification plan code from the pick list.\nThe secured classification codes are maintained in the Asset Classification Plan Maintenance (Fast Path: ACM05) option.",null,"Yes"]
["Unsecured Classification Plan Code","Optional","Picklist","Select the unsecured classification plan code from the pick list.\nThe unsecured classification codes are maintained in the Asset Classification Plan Maintenance (Fast Path: ACM05) option.",null,"Yes"]
["Arrear Reporting"]
["Minimum Arrear for reporting","Optional","Numeric [13,2]","Type the minimum arrear amount to be considered for reporting the loan accounts.",null,"Yes"]
["Closure"]
["Limits"]
["Small Balance Waiver Limit","Yes","Numeric [13,2]","Type the small balance waiver limit.\nIf at maturity of the loan, the outstanding amount is less than the small balance waiver amount, then the outstanding amount will be waived and the account will be closed.",null,"Yes"]
["Small Balance Forfeiture Limit","Yes","Numeric [13,2]","Type the small balance forfeiture limit.\nIf at maturity of the loan, the repayment is more than the outstanding by up to the forfeiture amount, then the amount is forfeited and the loan account closed.",null,"Yes"]
["Maximum Lockin Period (Initial Period)","Yes","Numeric [3] Drop-Down","Type the maximum lock-in term and select the term unit from the drop-down list. This indicates the minimum period for which the loan account should be held in the system since disbursement before it can be closed.",null,"Yes"]
["Minimum Notice Period For Early Settlement","Yes","Numeric [3] Drop-Down","Type the minimum notice period required to be provided for early and final settlement and select the term unit from the drop-down list. In case the notice period is provided, the interest on the loan is calculated till the notice period start date. Else the interest is calculated till the EFS date.",null,"Yes"]
["GL Reporting"]
["Assets"]
["Principal Balance","Yes","Numeric [9]","Type the principal balance GL code.\nThe outstanding balances of the normal loan accounts belonging to the selected product will be recorded in this general ledger code.\nThis is an asset type GL.",null,"Yes"]
["Suspended Principal","Yes","Numeric [9]","Type the suspended principal balance GL code.\nThe outstanding balances of the suspended loan accounts belonging to the selected product will be recorded in this general ledger code.\nThis is an asset type GL.",null,"Yes"]
["Fees Receivable","Yes","Numeric [9]","Type the fees receivable GL code.\nThe outstanding fees amount to be recovered from normal loan accounts belonging to the selected product will be recorded in this general ledger code.\nThis is an asset type GL.",null,"Yes"]
["Suspended Fees Receivable","Yes","Numeric [9]","Type the suspended fees GL code.\nThe outstanding fees amount to be recovered from the suspended loan account belonging to the selected product will be recorded in this general ledger code.\nThis is an asset type GL.",null,"Yes"]
["Outgoing Receivable","Yes","Numeric [9]","Type the outgoing receivable Gl code.\nThe outgoings raised on the normal accounts belonging to the selected product such as insurance premium, etc, are recorded in the general ledger code.\nThis is an asset type GL.",null,"Yes"]
["Suspended Outgoing Receivable","Yes","Numeric [9]","Type the suspended outgoing receivable GL code.\nThe outgoings raised on the suspended accounts belonging to the selected product such as insurance premium, etc, are recorded in the general ledger code.\nThis is an asset type GL.",null,"Yes"]
["Legal Fees Receivable","Yes","Numeric [9]","Type the legal fees receivable GL code.\nIf the customer has requested the bank to pay the legal fees on his/her behalf, the bank pays it and recovers the outstanding amount from the customer. This legal fee to be recovered for normal accounts is recorded in the general ledger code.\nThis is an asset type GL.",null,"Yes"]
["Suspended Legal Fees Receivable","Yes","Numeric [9]","Type the suspended legal fees GL code.\nThe legal fees payable by the customer on a suspended loan account belonging to the selected product will be recorded in the general ledger code.\nThis is an asset type GL.",null,"Yes"]
["Contingent Asset","Yes","Numeric [9]","Type the sanctioned amount of account.",null,"Yes"]
["Allowance for Loss-Uncollected Interest GL","Conditional","Numeric [9]","Type the contra asset GL maintained for uncollected interest.\nThis field is enabled for term loans only.",null,"Yes"]
["Rollover Interest","Yes","Numeric [9]","Type the GL that is used to hold the moratorium interest until paid.",null,"Yes"]
["Suspended Diverting Interest Receivable","Yes","Numeric [9]","Type the suspended diverting interest receivable GL code which will be debited for receivable amount when the diverting interest arrears are raised on the loan account whose accrual status is suspended. If claw back is applicable for diverting interest, and if there are unpaid diverting interest arrears on loan at the time of movement of loan from normal to suspended, then the unpaid arrears will move from diverting interest receivable GL to suspended diverting interest receivable GL. This is an asset type GL.",null,"Yes"]
["Diverting Interest Receivable","Yes","Numeric [9]","Type the diverting interest receivable GL code.\nIf the loan amount disbursed is used by the customer for any purpose other than the purpose for which loan is disbursed, then the account is charged with diverting interest and is accounted for in diverting interest receivable GL and will be considered as a separate arrear type. This ad-hoc interest amount is calculated externally but applied in FCR through debit interest adjustment. Diverting interest is a separate arrear and is accounted and recognized separately. This is an asset type GL.",null,"Yes"]
["Liabilities"]
["Legal Fees Payable","Yes","Numeric [9]","Type the legal fees GL code.\nThe legal fees payable to the lawyer’s company for expenses incurred on the accounts belonging to the selected product will be recorded in the general ledger code. This is a liability type GL.",null,"Yes"]
["Outgoing Payable","Yes","Numeric [9]","Type the outgoings payable GL code.\nThe outgoings raised on the account are recorded in this general ledger code.\nThis is a liability type GL.",null,"Yes"]
["Bad Debt Reserve","Yes","Numeric [9]","Type the bad debt reserve GL code.\nWhenever a provisioning is attempted on a loan account as per the CRR definition the system debits the expense/Writeoff GL and parks the amount in the bad debt reserve. In case of repayment or a full write off of the loan account the relative amount is reversed from this GL\nThis is a liability type of GL.",null,"Yes"]
["Split Loan Interim GL","Yes","Numeric [9]","Type the GL code where the disbursed amount for the split loan will be parked.\nThis amount is debited from the interim GL for partial payoff of the original loan account on the same day.",null,"Yes"]
["Unapplied Advance (RPA)","Yes","Numeric [9]","Type the unapplied advance GL code.\nExcess payments made on the account by the customer are recorded in this GL. These payments shall be automatically appropriated in the future when arrears are raised on the account.\nThis is a liability type GL.",null,"Yes"]
["Contingent Liability","Yes","Numeric [9]","Type the contingent liability GL code.\nThe contingent liability is the amount to be paid.",null,"Yes"]
["Settlement Payout","Yes","Numeric [9]","Type the GL code for settlement payment.\nAny contribution amount received for a loan account is credited to this GL. During disbursement, Oracle FLEXCUBE debits the Principal Balance (Asset type) and credits this GL.\nNote: You can modify this field if accounts are not yet maintained under the defined loan product.",null,"Yes"]
["Income"]
["Misc Income","Yes","Numeric [9]","Type the appropriate miscellaneous income GL code.\nThe additional income generated on the account is recorded in the general ledger code.\nThe entry is initiated from the common billing maintenance.\nThis is an income type GL.",null,"Yes"]
["Small Balance Forfeiture","Yes","Numeric [9]","Type the small balance forfeiture GL code.\nWhen the customer account is closed, his credit balance below a certain limit is forfeited. This forfeited balance in the account is recorded in the general ledger code.\nThe small balance forfeiture limit for the product is defined in the Closure tab.\nThis is an income type GL.",null,"Yes"]
["Suspended Diverting Interest Income","Yes","Numeric [9]","Type the suspended diverting interest income GL code which will be booked as liability when the diverting interest arrears remain unpaid and the loan account accrual status is Suspended. This is a liability type GL.",null,"Yes"]
["Diverting Interest Income","Yes","Numeric [9]","Type the diverting interest income GL code which will be booked as income when diverting interest arrears are raised on the normal loan account. This is an income type GL.",null,"Yes"]
["Expense"]
["Small Balance Waiver","Yes","Numeric [9]","Type the small balance waiver GL code.\nWhen the customer account is closed, his debit balance below a certain limit is written off. If the small balance of the customer has been waived off, then it is recorded in this general ledger code.\nThe small balance waiver limit for the product is defined in the Closure tab.\nThis is an expense type GL.",null,"Yes"]
["Writeoff Expense","Yes","Numeric [9]","Type the write off expense GL code.\nWhen the suspended account is written off, it is recorded in this general ledger code.\nThis is an expense type GL.",null,"Yes"]
["Provision for Loss-Uncollected Interest GL","Conditional","Numeric [9]","Type the expense GL maintained for provisioning uncollected interest.\n","This field is enabled only for term loan account.","Yes"]
["Add-on Accounting"]
["Margin Accounting","Conditional","Numeric [9]","Select the Margin Accounting check box to pass accounting entries for margin receivable as per Syariah – Murabahah practice on loan disbursement. The user has to select this check box to create a Syariah – Murabahah product.","This check box is enabled if the Add On Loan check box is selected in the Definition tab.","Yes"]
["Inventory GL Definition","Conditional","Numeric [9]","Select the Inventory GL Definition check box to pass accounting entries for inventory bought and sold on loan disbursement. The user has to select this check box to create a Syariah – Murabahah product.","This check box is enabled if the Add On Loan check box is selected in the Definition tab.","Yes"]
["Total Margin Receivable","Conditional","Numeric [9]","Type the GL, that will reflect the total interest receivable over the remaining tenure of the loan for normal loan.\nThis is an asset type GL.","This field is enabled if the Margin Accounting check box is selected.","Yes"]
["Inventory Asset GL","Conditional","Numeric [9]","Type the GL, that will reflect the accounting entry to show that the bank has purchased asset from third party and sold it to customer.\nThis is an asset type GL.","This field is enabled if the Inventory GL Definition check box is selected.","Yes"]
["Deferred Margin Income","Conditional","Numeric [9]","Type the GL, that will be credited with total interest receivable amount at the time of disbursement and will be debited with the amount of interest received as and when installment amount is paid for normal loan.","This field is enabled if the Margin Accounting check box is selected.","Yes"]
["Inventory Liability GL","Conditional","Numeric [9]","Type the GL, that will reflect the accounting entry to show that the bank has purchased asset from third party and sold it to customer.\nThis is a liability type GL.","This field is enabled if the Inventory GL Definition check box is selected.","Yes"]

{"sheet":"Screen Shots - LNM88","index":25,"n_rows":263,"n_cols":6,"rows_kept":263,"merged":[[1,0,1,13],[2,0,73,16],[75,5,76,7],[113,5,114,7],[150,5,151,7],[187,5,188,7],[224,5,225,7],[262,5,263,7]]}
[]
["Note: Click the below given screen to view the input sheet."]
["Loan Product Repricing / Revision Maintenance (Fast Path : LNM88)"]
{"$rows_empty":72}
[{"$nulls":5},"Booking"]
{"$rows_empty":37}
[{"$nulls":5},"Disbursements"]
{"$rows_empty":36}
[{"$nulls":5},"Repayments"]
{"$rows_empty":36}
[{"$nulls":5},"Non Payments"]
{"$rows_empty":36}
[{"$nulls":5},"Closure"]
{"$rows_empty":37}
[{"$nulls":5},"GL Reporting"]

{"sheet":"Loan Product Revision Maint","index":26,"n_rows":30,"n_cols":15,"rows_kept":30,"merged":[[1,0,1,1],[2,0,2,1],[3,0,3,1],[4,0,4,1],[5,0,5,1],[7,0,7,3],[8,0,8,3],[9,0,9,3],[11,0,11,1],[12,0,12,1],[15,0,15,1],[16,0,16,6],[22,0,22,6],[22,7,22,14]]}
[]
["Legend"]
["Topic / Tab / Grid Name"]
["Possible Options"]
["Display Fields"]
["Input Fields"]
[]
["This sheet is to set up tiered or non-tiered applicable interest rates for the loan accounts as well as changing the rate at a later date. On defining the interest rates, you will attach this rate to different stages of the loan using the Schedule Type (Fast Path: LNM98) option."]
["Ensure that the following setup are complete before commencing this sheet."]
["The Prerequisites for the Interest Index Rates are as follows:"]
[]
["Option",null,"Fast Path"]
["Product Master Maintenances",null,"LNM11"]
[]
[]
[]
["Loan Product Repricing / Revision Maintenance (LNM88)"]
["Parameter","Mand-atory","Format","Description","Validations","Modifiable","Sample Values","Product 1","Product 2","Product 3","Product 4","Product 5","Product 6","Product 7","Product 8"]
["Plan ID","Yes","Numeric(5)","Type revision plan ID",null,"No",101]
["Plan Name","Yes","Alphanumeric [40]","Type a descriptive name for the revision plan",null,"No","Monthly revision plan"]
["Product Code","Yes","Picklist","Select the product code for which the revision plan is applicable",null,"No",80001]
["Product Name",null,"Display","Product name to be displayed",null,"No","Retail Loan Home"]
["Revision Details"]
["Repricing Behaviour","Yes","Drop-Down","Specify the Re-pricing behavior which will be applicable to all the accounts under that product. Allowed values -\nNo Repricing,Immediate, Next Charging Date, Frequency Based",null,"Yes","Frequency Based"]
["Frequency","Conditional","Drop-Down","Select the frequency from the drop down. Allowed values are Monthly, Bi-Monthly, Quarterly, Half-yearly, Annual","Mandatory if re-pricing behavior is frequency based","Yes","Monthly"]
["Calendar Type","Conditional","Drop-Down","Select the calendar Type. Allowed values are Calendar, Anniversary","Mandatory if re-pricing behavior is frequency based","Yes","Calendar"]
["Account Date Basis","Conditional","Drop-Down","Select the account date basis. Allowed values are Account Opening Date, Disbursement Date and Anniversary Day","Mandatory only when calendar type is Anniversary","Yes"]
["Start Day","Conditional","Numeric(2)","Enter the Start Day. Values can be from 1 to 31","Mandatory only when account date basis is Anniversary day","Yes"]
["Offset Month","Conditional","Numeric(2)","Enter the offset month. Values can be from 1 to 12","Mandatory only if frequency is greater than monthly and account date basis is ‘Anniversary day’","Yes"]
["Repricing Option","Conditional","Drop-Down","Select the repricing option. Allowed values are Original Term/ Residual Term","Required if the product is 'MCLR Flag' checked","Yes","Residual Term"]

{"sheet":"Disclaimer","index":27,"n_rows":26,"n_cols":1,"rows_kept":26,"merged":[[25,0,25,18]]}
[]
[]
[]
[]
[]
["Oracle FLEXCUBE"]
["Product Sheet"]
["2017-05-01"]
["Version Number: FC VCO 11.7.0.0.0.0.0"]
[]
["Oracle Financial Services Software Limited"]
["Goregaon Owned, Nirlon Compound"]
["Off. Western Express Highway"]
["Mumbai 400 063"]
["India"]
[]
[]
["Worldwide Inquiries:"]
["Phone: +91- 022- 6718 7000"]
["Fax: +91- 022- 6718 9217"]
[]
[]
["Copyright © 2017"]
["Oracle and/or its affiliates. All rights reserved."]
[]
["This document is provided for information purposes only and the contents hereof are subject to change without notice. The references to the product name like FLEXCUBE, FLEXCUBE Retail and FCR are implied as Oracle FLEXCUBE.  This document is not warranted to be error-free, nor subject to any other warranties or conditions, whether expressed orally or implied in law, including implied warranties and conditions of merchantability or fitness for a particular purpose. We specifically disclaim any liability with respect to this document and no contractual obligations are formed either directly or indirectly by this document. This document may not be reproduced or transmitted in any form or by any means, electronic or mechanical, for any purpose, without our prior written permission. Oracle is a registered trademark of Oracle Corporation and/or its affiliates. Other names may be trademarks of their respective owners."]