7. Oracle FLEXCUBE Internet Banking

This chapter contains the following sections:

• Section 7.1, "FCIS - Oracle FLEXCUBE Internet Banking Interface"

7.1 FCIS - Oracle FLEXCUBE Internet Banking Interface

This section contains the following topics:

• Section 7.1.1, "FCIS - Oracle FLEXCUBE Internet Banking Interface Description"
• Section 7.1.2, "Data Hand-off from FC-IS"
• Section 7.1.3, "Logging in to Oracle FLEXCUBE Internet Banking"
• Section 7.1.4, "Information from FC-IS to Oracle FLEXCUBE Internet Banking"
• Section 7.1.5, "Viewing Portfolio Details"
• Section 7.1.6, "IPO Transactions and Subscription Transactions (buys)"
• Section 7.1.7, "Redemption Transactions (Sell Transactions)"
• Section 7.1.8, "Switch Transactions"
• Section 7.1.9, "Transfer Transactions"
• Section 7.1.10, "Conversion Transactions"
• Section 7.1.11, "Auto-Authorization"
• Section 7.1.12, "Order Status"
• Section 7.1.13, "Transaction Activity"
• Section 7.1.14, "Account Statement Request"
• Section 7.1.15, "IPO Corner"
• Section 7.1.16, "NAV Movement"
• Section 7.1.17, "Update Profile"
• Section 7.1.18, "Entering, Modifying and Deleting Bank Account Details"
• Section 7.1.19, "Income Distribution Profile"
• Section 7.1.20, "Standing INSTRUCTIONS"
• Section 7.1.21, "Dividend Information Inquiry"
• Section 7.1.22, "Processing Requests Received during End of Day Process"
• Section 7.1.23, "Search Based on AMC"
• Section 7.1.24, "Viewing Joint Unit Holders"
• Section 7.1.25, "Viewing Dividend Details for Customers"
• Section 7.1.26, "Viewing Dividend Details for Funds"
• Section 7.1.27, "Viewing Corporate Actions"
• Section 7.1.28, "Viewing Online Balance"
• Section 7.1.29, "Viewing Multiple Funds in Transaction Activity"
• Section 7.1.30, "CIF Handoff for Enabling Internet Banking"

7.1.1 FCIS - Oracle FLEXCUBE Internet Banking Interface Description

Oracle FLEXCUBE Investor Servicing interfaces with the Oracle FLEXCUBE Internet Banking application, whenever both systems are installed at Oracle FLEXCUBE installation location.

Oracle FLEXCUBE Internet Banking is a web-enabled application through which customers and investors of the bank or AMC may login at a remote web location and send requests for data or initiate transactions.

Through this interface, an investor that has a unit holder account mapped to a CIF account in the FC-IS system can perform the following operations by logging in to the Oracle FLEXCUBE Internet Banking system at a remote web location:

Note

The information interchange between the two systems is formatted in XML.

• Download information about the unit holder account, fund rules, processing rules for transactions, bank account details and daily NAV.
• Initiate new transactions for the unit holder account. The investor can therefore initiate buy transactions (IPO and subscription), sell transactions (redemption) as well as switch (exchange) transactions.
• Make changes to the unit holder account profile, through an edit operation. This is possible only if the account is unauthorized.
• Changes to an authorized unit holder account record are only possible through an amendment, and the amended record is saved as an unauthorized record, which must be authorized subsequently.
• Specify any bank details for the unit holder account. The investor can also edit or delete any existing bank details.
• Initiate standing instructions for buy, sell and switch transactions. The investor can also edit or delete any previously initiated, unauthorized standing instructions, and request for information on the same.
• Make changes to any income distribution setup options for the unit holder account that are unauthorized.
• Again, changes to an authorized IDS record are only possible through an amendment, and the amended record is saved as an unauthorized record, which must be authorized subsequently.
• Request for the generation of account statements

In addition to specifying new information or editing existing information, the investor can also request for information on the unit holder account, pertaining to any of the following:

• The status of any previously initiated transactions.
• The portfolio of investments
• The transaction activity of the unit holder account
• NAV movements
• Dividend information

7.1.2 Data Hand-off from FC-IS

The FC-IS system updates the Oracle FLEXCUBE Internet Banking system online, whenever the following are authorized in FCIS:

• New data created in FC-IS in the course of day-to-day operations
• Changes (amendments) made to data in FC-IS in the course of day-to-day operations

The creation or amendment of data could occur in any or all of the following cases:

• Fund rules
• Reference information such as banks, branches and entities such as custodians or clearing agents
• Exchange rates
• Fund prices
• Unit holder accounts
• Transactions or standing instructions

Whenever data is authorized relating to any of these, a hand-off is triggered from the FC-IS database to the local Oracle FLEXCUBE Internet Banking database. When a request is made by a logged-in user in Oracle FLEXCUBE Internet Banking, the requested information is made available from the refreshed local Oracle FLEXCUBE Internet Banking database.

7.1.3 Logging in to Oracle FLEXCUBE Internet Banking

To log in to the Oracle FLEXCUBE Internet Banking application at a remote web location, the investor must specify the User ID and password assigned to the investor in the Oracle FLEXCUBE Internet Banking application.

Note

The User ID used by the investor to log in to Oracle FLEXCUBE Internet Banking is typi­cally different from the unit holder ID or CIF account number of the investor in FC-IS. It is assigned to the investor at the time of registration at Oracle FLEXCUBE Internet Banking.

When the investor logs in to the Oracle FLEXCUBE Internet Banking system and then proceeds to specify the unit holder or CIF account number, the following information is supplied by FC-IS to Oracle FLEXCUBE Internet Banking through the interface between the two applications:

• A list of all unit holder accounts under the CIF account.
• The holdings position for all unit holders under the CIF account, at fund and portfolio levels
• The details of bank accounts specified for the unit holder accounts under the CIF account

7.1.4 Information from FC-IS to Oracle FLEXCUBE Internet Banking

When an investor logs in to Oracle FLEXCUBE Internet Banking, the following information is available from FC-IS, facilitated by the data hand-off between the two applications:

Note

Any static data from FC-IS is made available through a Bulk Table Upload, and the user in FC@ does not have the choice of selecting the information to be viewed.

Unit holder account information

• Unit Holder ID
• Account Statement Frequency and Account Statement Currency
• E-mail ID

Unit holder bank account information

• Bank Code
• Branch Name
• Account Number
• Account Type
• Account Holder Name
• Account Currency
• Default Bank Account
• Applicability of direct debit on the account
• Delivery options and delivery account details

Fund rules information

• Fund Master details, including fund identification information such as ID and ISIN Code
• Details of any fund rule
• The allowable currencies for transactions in a fund
• The types of transactions allowable for a fund
• The fund price
• The NAV for a fund
• Limits for standing instruction transactions in a fund.
• Settlement cycle for the fund
• Restricted customers and customer categories for a fund
• Delivery instructions for the fund
• Limit order options for the fund

Product ID information

• Product ID
• Product Description
• Fund ID (A fund ID will have mapped product IDs also – see section on transactions to get details on this)

Funds into which switch transactions are allowed.

The funds into which switch transactions are allowed are displayed.

Transaction Processing Rules information

For a fund and transaction type,

• Allow Gross for Amount (Y/N)
• Allow Net for Amount (Y/N)
• Allow Gross for Units (Y/N)
• Allow Net for Units (Y/N)

7.1.5 Viewing Portfolio Details

When investors that have unit holder accounts or CIF accounts log in to Oracle FLEXCUBE Internet Banking, they can request to view details of their portfolio of investment (at a CIF level), with details such as the fund-wise holdings positions and the consolidated market value. The market value is the value of the current holdings, in terms of the current NAV, and displayed in the preferred transaction currency of the unit holder.

The following portfolio details are propagated from FC-IS for such requests, for each unit holder ID and fund:

• The name of the fund and the fund code (ISIN Code)
• Investment Philosophy
• The holdings as on the current date. This includes the total holdings of the investor against each fund, including provisional and blocked units.
• The NAV for the fund as on the current date.
• The value of the holdings in fund base currency
• The value of the holdings in the preferred currency of the unit holder.
• The units that have been blocked in respect of the unit holder account
• The units that have been unblocked in respect of the unit holder account
• The units resulting from provisional allocations
• For holdings in a scrip-based fund, the portion of the unit holdings for which certificates have been issued (i.e., the issued balance)
• For holdings in a scrip-based fund, the redeemable Balance (Unissued Balance – applicable for scrip based funds only)
• Block Amount and currency (Across all funds for a UHID – supplied only if applicable)

7.1.6 IPO Transactions and Subscription Transactions (buys)

Transaction information

The unit holder or CIF account holder can initiate a subscription transaction or a buy transaction into a fund that is in the IPO period, after logging in to Oracle FLEXCUBE Internet Banking, by specifying the following information:

• The unit holder ID under the CIF account, for which the transaction is being put through:
• The ID and ISIN Code of the fund in which the transaction is being requested
• The ID of the product mapped to the selected fund in which the transaction is being requested (only if applicable)
• The mode of the transaction (amount or units), the value of the transaction and the currency for the transaction
• The processing mode for the transaction, either gross or net
• For certificate option funds in which the unit holder has requested for certificates, the applicability of single certificates
• For Letter of Intent (LOI) unit holders, the applicability of the transaction for Letter of Intent amount
• The mode of payment and sub-payment
• Delivery options, as follows:
  • If physical delivery, the delivery type, physical address and certificate denominations (lot sizes)
  • If delivery account or delivery to custodian, the delivery account details and clearing agent / custodian bank, as applicable

• For limit order transactions, the limit order options.

For payments through account transfer, the following information must be specified as mandatory information:

• The account number for the transfer payment. This could be any of the accounts maintained in the system for the unit holder, or it could be any other accounts
• Bank name
• Branch name
• Account type
• Account number
• Account currency
• Account holder name (this information is required only if an account other than any that are maintained in the system is to be used)
• Payment reference number

For payments through credit card, the following information must be specified as mandatory information:

• Card Number
• Card Type (Master/Visa)
• Issuer Name/Bank Name
• Expiry Date

The transaction in FC-IS

The FLEXCUBE Investor Services system only accepts requests for new transactions from the Oracle FLEXCUBE Internet Banking system. Editing or deletion of a previously entered transaction is not accepted.

FC-IS processes the transaction on receiving the Buy Order request from Oracle FLEXCUBE Internet Banking. The processing is done as follows:

Validations for transaction processing

• Payment mode details for all payment modes are validated.
• The designated brokers for the transaction will be picked up by default from the Intermediary Details specified for the selected unit holder account.
• FCIS validates the online units balance for redemption and switch transactions.
• After the initial purchase, transactions will be blocked until the folio number has been received for the unit holder at the AMC. This number comes to the FC-IS data store from RTA.
• The FLEXCUBE@ system date is reckoned as the transaction date for net basis transactions. If the date is a holiday in the fund or system calendar, the transaction is processed as follows:
• For pre-priced funds, FC-IS displays a warning that the transaction will be processed the next working day, and the price will also be deemed as the prevalent price on the next working day. If this is not confirmed from the FLEXCUBE@ system, the transaction is not saved. If confirmed, the transaction is saved.

For allocating transactions in pre-priced funds, the prevalent price during the Beginning of Day process on the day of the transaction is considered, and the accruals until such time are included.

• For post-priced funds, the transaction is accepted, but the transaction date will be saved as the immediate next working day in the FC-IS system. The transaction is authorized and allocated on the immediate next working day, using the prevalent price as on that day.

If any errors occur during the processing, the error messages are written into a queue corresponding with the details for the transaction obtained from FLEXCUBE@.

If all validations are successful, the transaction is saved and authorized and the transaction number is inserted with a success message into a queue, corresponding with the details for the transaction obtained from FLEXCUBE@.

While processing the transaction, FC-IS also inserts the following as default information (along with the details from Oracle FLEXCUBE Internet Banking) that is necessary for saving the transaction request:

• Values for the information heads that are not specified by the logged in user in Oracle FLEXCUBE Internet Banking.
• The value date is deemed by default to be the application date of FC-IS. If the transaction request is received during the run of the End of Day, the default date is treated as the next working date.
• Based on the transaction currency, the unit holder bank account is defaulted. The default bank account maintained for the transaction currency is considered.
• All default information that is necessary for validating IPO or subscription transactions.
• The latest available exchange rate for the transaction.
• The calculation of the clearing date for the transaction, based on the options for the fund.
• If the transaction details are successfully validated, it is saved as an authorized transaction pending allocation.
• A valid transaction number.

7.1.7 Redemption Transactions (Sell Transactions)

Transaction information

The unit holder or CIF account holder can initiate a redemption transaction (or a sell transaction) after logging in to Oracle FLEXCUBE Internet Banking, by specifying the following information:

Note

Redemption transactions are accepted for only scrip-less funds for which the ageing policy specified in the fund rules is FIFO (First In First Out) or certificate option fund having the scrip-less characteristic.

• The unit holder ID under the CIF account, for which the transaction is being put through:
• The ID and ISIN Code of the fund in which the transaction is being requested
• The ID of the product mapped to the selected fund in which the transaction is being requested (only if applicable)
• The mode of the transaction (amount, units or percentage), the value of the transaction in the selected mode, and the currency for the transaction
• The processing mode for the transaction, either gross or net. This is picked up from the Transaction Processing Rules for the selected fund.
• The mode of payment and sub-payment (This could be either cheque or transfer)

If payment is to be made by a self-check, payment details are optional.

If payment is to be made through a third party check, the following details are to be specified as mandatory information:

• Payment reference
• Payment remarks

The following information is optional for third party check payments:

• Third party address
• Zip code
• US State

For payments through account transfer, the following information must be specified as mandatory:

• The account number for the transfer payment. This could be any of the accounts maintained in the system for the unit holder, or it could be any other accounts
• Bank name
• Branch name
• Account type
• Account number
• Account currency
• Account holder name (this information is required only if an account other than any that are maintained in the system is to be used)
• Delivery options, as follows:
  • If physical delivery, the delivery type, physical address and certificate denominations (lot sizes)
  • If delivery account or delivery to custodian, the delivery account details and clearing agent / custodian bank, as applicable

• For limit order transactions, the limit order options.

The transaction in FC-IS

The transaction is processed in the FC-IS system along the same lines as that described for the IPO and subscription transactions, except that all the validations are made as for a redemption transaction.

7.1.8 Switch Transactions

Transaction information

The unit holder or CIF account holder can initiate a switch transaction after logging in to Oracle FLEXCUBE Internet Banking, by specifying the following information:

• The unit holder ID under the CIF account, for which the transaction is being put through
• The ID and ISIN Code of the fund in which the transaction is being requested. This is the fund from which the investment is requested to be switched.
• The ID and ISIN Code of the fund into which the investment is to be switched.
• The mode of the transaction (amount, units or percentage), the value of the transaction in the selected mode, and the currency for the transaction
• Delivery options, as follows:
  • If physical delivery, the delivery type, physical address and certificate denominations (lot sizes)
  • If delivery account or delivery to custodian, the delivery account details and clearing agent / custodian bank, as applicable

The transaction in FC-IS

The transaction is processed in the FC-IS system along the same lines as that described for the IPO, subscription or redemption transactions, except that all the validations are made as for a switch transaction.

7.1.9 Transfer Transactions

Transaction information

The unit holder or CIF account holder can initiate a transfer transaction after logging in to Oracle FLEXCUBE Internet Banking, by specifying the following information:

• The unit holder ID under the CIF account of the transferor unit holder.
• The unit holder ID under the CIF account of the transferee unit holder.
• The ID and ISIN Code of the fund in which the transaction is being requested
• The mode of the transaction (amount, units or percentage), the value of the transaction in the selected mode, and the currency for the transaction
• For certificate option funds in which the unit holder has requested for certificates, the applicability of single certificates
• For Letter of Intent (LOI) unit holders, the applicability of the transaction for Letter of Intent amount

The transaction in FC-IS

The transaction is processed in the FC-IS system along the same lines as that described for the IPO, subscription or redemption transactions, except that all the validations are made as for a transfer transaction.

7.1.10 Conversion Transactions

Transaction information

The unit holder or CIF account holder can initiate a conversion transaction, after logging in to Oracle FLEXCUBE Internet Banking, by specifying the following information:

• The unit holder ID under the CIF account, for which the transaction is being put through
• The ID and ISIN Code of the fund in which the transaction is being requested
• The transaction value, i.e., the number of units to be converted
• Both From and To Delivery options, as follows:
  • If physical delivery, the delivery type, physical address and certificate denominations (lot sizes), as well as the Certificate Message
  • If delivery account or delivery to custodian, the delivery account details and clearing agent / custodian bank, as applicable

The transaction in FC-IS

The FLEXCUBE Investor Services system only accepts requests for new transactions from the Oracle FLEXCUBE Internet Banking system. Editing or deletion of a previously entered transaction is not accepted.

The transaction is processed in the FC-IS system along the same lines as that described for the IPO, subscription or redemption transactions, except that all the validations are made as for a conversion transaction.

7.1.11 Auto-Authorization

Any transaction entered through the Oracle FLEXCUBE Internet Banking system will normally undergo auto-authorisation check after all validations are successful and the transaction has been successfully saved. As a result of the check, if auto authorization is allowable, based on the User ID and transaction type, based on the auto authorization set up in FC-IS, the transaction will be authorized immediately. If not, it is saved as an unauthorized transaction.

7.1.12 Order Status

After logging in to Oracle FLEXCUBE Internet Banking, the unit holder or CIF account holder can view the status of any transaction requests, that were previously entered between a given time period, through the Order Status screen.

The system will display the status for all transaction requests – those entered through the Oracle FLEXCUBE Internet Banking system as well as those entered directly through agency branches. The status of the following transaction types will be displayed, as applicable:

• IPO
• Subscription
• Redemption
• Switch

For switch transactions, both the legs of the transaction are displayed.

In the ‘Order Status’ screen, any or all of the following information must be specified as inquiry parameters by the unit holder:

• The CIF account number (the details for all unit holders under the CIF are displayed)
• The range of dates between which the status of orders placed is required (If not specified, the date range is taken by default to be the period between the beginning of the current month, up to the current date)
• The transaction number.

On receiving an Order Status request from Oracle FLEXCUBE Internet Banking, FC-IS relays back the following information regarding the transaction:

• The Unit Holder ID
• Transaction Date
• Transaction Type
• Fund ID and ISIN Code
• Fund Name
• Transaction Number
• Reference Number
• Transaction Mode
• Transaction Value
• Transaction Currency
• Transaction Status The authorization status of the transaction, that is, whether Authorized or Unauthorised, is indicated.

In addition, for buy and sell transactions, the following information is also sent:

• Status
• Base Price Used
• Exchange Rate Used
• In case of transactions by gross basis, the amount in Fund Currency
• Loads
• VAT Component
• Net Amount
• Units Allocated

The status could be one of the following:

• Authorized, Unauthorized, Rejected (with reason for rejection)
• Unallotted, Allotted, Provisionally Allotted, Partially Allotted

For incomplete transactions (i.e., transactions for which the payment details or the exchange rate details are not available) a message is displayed indicating that the information is incomplete as there are transactions pending processing.

If the query is unsuccessful for some reasons, FC-IS also relays the description of the error with its associated error code.

7.1.13 Transaction Activity

After logging in to Oracle FLEXCUBE Internet Banking, the unit holder or CIF account holder can view the activity of any transaction requests, that were previously entered between a given time period. In addition to this, the unit holder can view fund – wise opening balance of all funds applicable to the request criteria.

The unit holder must specify any or all of the following information as inquiry parameters to view the transaction activity:

• The unit holder number (if the unit holder number is not specified, the details for all unit holders under the CIF are displayed)
• The range of dates between which the status of orders placed is required (If not specified, the date range is taken by default to be the period between the beginning of the current month, up to the current date).
• Alternatively, the unit holder can also specify the transaction number.
• Funds pertaining to a particular AMC. On selecting the AMC, information related to all the funds offered by the AMC is displayed. If the AMC is not specified, funds of all AMCs are displayed.
• If AMC is specified but the fund is not specified, transaction details of all funds under the given AMC are displayed along with the fund – wise opening balance for that unit holder.

For request and response elements details and sample XML for search based on AMC, refer the section titled ‘Search Based on AMC’ in this chapter.

On receiving a Transaction Activity request from Oracle FLEXCUBE Internet Banking, FC-IS processes the request and relays back the following information regarding the transaction:

• The opening balance is computed and displayed as on the start date of the specified date range.
• In addition to transactions entered in the given period, FC-IS also sends the details of the opening balance and the number of transactions entered into.

Note

In this option, the opening balance as of the start date of the request is displayed. The clos­ing balance as on the requested end date, after summing up the same, is computed by Oracle FLEXCUBE Internet Banking and displayed.

For incomplete transactions (i.e., transactions for which the payment details or the exchange rate details are not available) a message is displayed indicating that the information is incomplete as there are transactions pending processing.

7.1.14 Account Statement Request

After logging in to Oracle FLEXCUBE Internet Banking, the unit holder or CIF account holder can request for account statements. This statement request after being received by FC-IS and generated, is mailed to the unit holder in paper form.

When FC-IS receives the account statement request from Oracle FLEXCUBE Internet Banking, the required statements are manually generated in FC-IS through the Browser component menu.

If the unit holder ID is not specified as part of the request, the statement is generated for all unit holders under the selected CIF account.

The Inward Query Logging and Action Tracking screens in FC-IS can be used to log these requests.

7.1.15 IPO Corner

After logging in to Oracle FLEXCUBE Internet Banking, the unit holder or CIF account holder can view all the open IPO’s by the AMC. The following information (as part of fund rules download) is displayed against each fund offered as IPO:

• Fund ID and ISIN Code
• Fund Name
• Investment Philosophy
• Fund Currency
• Par Value
• Open Date
• Close Date

A drill down facility is also available to enable the viewing of fund information by clicking on the fund name.

The Fund Information is provided by the AMC in the form of an HTML document. The AMC creates its own fund page for IPO’s. The publishing architecture of Oracle FLEXCUBE Internet Banking is used to present this information to the customer.

7.1.16 NAV Movement

After logging in to Oracle FLEXCUBE Internet Banking, the unit holder or CIF account holder can view the NAV movement for all the funds offered by the AMC.

To view the NAV movement, the following information must be specified as inquiry parameters:

• The ID and ISIN Code of the fund
• The date range within which the NAV movement is required to be viewed.

The following information is displayed:

• Date of NAV (Sent by FC-IS, upon receiving the request)
• NAV (Sent by FC-IS, upon receiving the request)
• Percentage Change (Computed by Oracle FLEXCUBE Internet Banking)
• Previous NAV date

7.1.17 Update Profile

After logging in to Oracle FLEXCUBE Internet Banking, the unit holder or CIF account holder can effect changes to the following details of the unit holder profile:

• Correspondence or Alternate address:
  • Permanent Address
  • Address (Street, House no etc)
  • City
  • State
  • Country
  • Postal Code
  • Phone Number
  • Fax Number
  • Mailing Address
  • Address (Street, House no etc)
  • City
  • State
  • Country
  • Postal Code
  • Phone Number
  • E-Mail ID

• SWIFT Address
• Preferred Account statement Currency

On receiving the profile change request with the changed information, FC-IS updates the address details for the specified unit holder ID, and saves the account record as an unauthorized one, with the changed information. The changed record must be manually authorized.

Note

If the change is effected at a CIF level, the change request is sent to the FCC or FCR sys­tems, as applicable. If it is at unit holder ID level, the change request is sent to FC-IS.

If there are any errors that occur during the process, an appropriate error message is inserted into queue, along with the original details sent from FLEXCUBE@. If not, i.e., in case of a successful change, an appropriate message is inserted along with original details.

7.1.18 Entering, Modifying and Deleting Bank Account Details

After logging in to Oracle FLEXCUBE Internet Banking, the unit holder or CIF account holder can enter bank details for the account, or effect changes to any previously entered bank details of the unit holder profile:

• The Unit Holder ID
• Bank Name
• Branch Name
• Account Type
• Account Number
• Account Currency
• Account Holder Name
• Applicability of direct debit on the account

On receiving new bank details, modified bank details or a request for deletion of bank details, FC-IS performs an amendment (information change) to the bank details of the unit holder profile, based on the operation type (either New, Modify or Delete). This change is saved as an unauthorized change.

If there are any errors that occur during the process, an appropriate error message is inserted into queue, along with the original details sent from FLEXCUBE@. If not, i.e., in case of a successful addition or change, an appropriate message is inserted along with original details.

7.1.19 Income Distribution Profile

After logging in to Oracle FLEXCUBE Internet Banking, the unit holder or CIF account holder can enter income distribution options for the account, or effect changes to any previously entered income distribution options of the unit holder profile. The following information must be specified for a new income distribution option set up, or the modification of an existing set up for a unit holder account for a fund:

• Distribution mode (Full Payment/Full reinvestment/Both)
• Payment percentage
• Reinvestment percentage
• Payment details
  • Payment mode (Transfer / Check)
  • Check - all mandatory information as in transactions
  • Transfer - all mandatory information as in transactions

• Reinvestment details
  • Reinvestment Unit Holder ID
  • Reinvestment Fund ID
  • Percentage of investment into this fund

Note

Deletion of an existing income distribution set up for a unit holder account is not possible.

To inquire about the income distribution options for a fund and for a unit holder, the inquiry parameters to be specified in Oracle FLEXCUBE Internet Banking are CIF Number, Unit Holder ID and Fund ID.

On receiving the income distribution request from Oracle FLEXCUBE Internet Banking, FC-IS will save the set up details (whether new or modified) as unauthorized information for the account. The changed record must be manually authorized. On inquiry, all income distribution details for the selected CIF account will be sent for viewing.

If there are any errors that occur during the process, an appropriate error message is inserted into queue, along with the original details sent from FLEXCUBE@. If not, i.e., in case of a successful addition or change, an appropriate message is inserted along with original details.

7.1.20 Standing INSTRUCTIONS

After logging in to Oracle FLEXCUBE Internet Banking, the unit holder or CIF account holder can enter standing instructions for the account, or effect changes to any previously entered standing instructions for the unit holder profile. Standing instructions may be set up for subscription, redemption and switch transactions.

New standing instructions

The following information must be specified for a new standing instruction in a fund for a unit holder ID:

• SI Type (Transaction type)
• SI description
• SI start date – should not be past date
• SI end date
• SI frequency
• SI escalation start date
• Details specific to transaction types

Details specific to transaction types are as follows:

Subscription

• Transaction mode (Units/Amount)
• Transaction value (Amount or Units)
• Transaction Currency (for amount)
• Gross/Net (Net basis is applicable only for Units transaction mode. Gross basis is applicable to both Amount and Units transaction modes)
• Certificate Required (Applicable only for certificate-option funds)
• Single Certificate (Applicable only for certificate-option funds in which the unit holder has requested for certificates)
• Escalation Type (amount/units/percentage)
• Escalation Value
• Escalation frequency
• Escalation Date
• Payment mode (transfer/credit card)

The information required for the payment mode are same as required for subscription transactions.

Redemption

• Transaction mode (Units/Amount/percentage)
• Transaction value (Amount or Units)
• Transaction Currency (for amount)
• Gross/Net (Net basis is applicable only for Units transaction mode. Gross basis is applicable to both Amount and Units transaction modes)
• Payment mode (Transfer/Check)

The information required for the payment mode are same as required by redemption transactions.

Switch

• Transaction mode (Units/Amount/percentage)
• Transaction value (Amount or Units)
• Transaction Currency (for Amount)
• From Fund
• To Fund

Information required for the payment mode are same as required for switch transactions.

Modification of existing standing instructions

The following information in an existing standing instruction can be modified for a unit holder account for a fund:

• SI description
• SI start date (Should not be a past date)
• SI end date
• SI frequency
• Transaction specific details

Deletion of existing standing instructions

Any existing unauthorized standing instructions for a unit holder account can be deleted through a request from Oracle FLEXCUBE Internet Banking, by specifying the required Standing Instructions Number.

Authorized standing instructions cannot be deleted through this function, but the status can be changed from ACTIVE to CANCELLED using the CANCEL option.

Inquiry on existing standing instructions

Any existing standing instructions for a CIF account can be viewed through a request from Oracle FLEXCUBE Internet Banking, by specifying the required CIF account.

On receiving the standing instructions request (whether a new addition, modification, or inquiry), FCIS will process the instruction.

If there are any errors that occur during the process, an appropriate error message is inserted into queue, along with the original details sent from FLEXCUBE@. If not, i.e., in case of a successful addition or change, the transaction is saved as an unauthorized transaction and the transaction number is inserted with an appropriate message along with original details.

Defaulting of information

While processing the standing instructions transaction, FC-IS also inserts the following as default information (along with the details from Oracle FLEXCUBE Internet Banking) that is necessary for saving the standing instructions transaction request:

• Values for the information heads that are not specified by the logged in user in Oracle FLEXCUBE Internet Banking.
• All default information that is necessary for validating transactions of the specified type.
• If the transaction details are successfully validated, it is saved as an unauthorized transaction pending allocation.
• A valid transaction number is generated.

Standing instruction requests (whether additions, changes, or inquiry) are accepted on holidays. In such an event, the start date is changed to the next working day.

7.1.21 Dividend Information Inquiry

After logging in to Oracle FLEXCUBE Internet Banking, the unit holder or CIF account holder can enter enquiries regarding the dividend information for the account. The account number must be specified as the inquiry parameter.

On receiving the dividend information request from Oracle FLEXCUBE Internet Banking, FC-IS relays the following information for all unit holder accounts under the CIF:

• Unit Holder ID
• Fund ID and ISIN Code
• Dividend start date
• Dividend end date
• EPU
• Units held
• Unit Price
• Dividend currency
• Dividend amount
• Tax deducted
• Net Dividend Paid
• Reinvestment amount
• To Fund ID
• Mode of payment (Check/Transfer) - Details based on payment mode are same as for transactions
• Payment Amount (in transfer currency)

If the request is for dividend information for a single unit holder ID, the above information is provided for the specified unit holder ID.

7.1.22 Processing Requests Received during End of Day Process

Any requests for information or relaying of information from Oracle FLEXCUBE Internet Banking are accepted in the Oracle FLEXCUBE Internet Banking system even if they are entered during the End of Day cycle in FC-IS.

In such an event, if the End of Day cycle is in progress, Oracle FLEXCUBE Internet Banking notifies the investor that the requests will be processed only next working day. The information details specified are accepted in XML format and written into Queue.

Therefore, FC-IS will accept inquiry requests irrespective of End of Day / Beginning of Day statuses.

Transactions are accepted when an AMC is up for operations, as well as during the FC-IS End of Day cycle (i.e., FC-IS is offline). During the End of Day, then transactions are accepted, but a message indicating the End of Day cycle is displayed.

After the FC-IS system completes its End of Day process, the queue for any transaction / update requests from Oracle FLEXCUBE Internet Banking is read and the requests are processed one by one.

7.1.23 Search Based on AMC

When investors log in to Oracle FLEXCUBE Internet Banking, they can request to view details of funds pertaining to a particular AMC. On selecting an AMC information related to all the funds offered by the AMC is displayed.

Order status, Customer dividend information, fund NAV, fund dividend information, holding statement, etc are some of the parameters that can be queried based on AMC.

7.1.23.1 Request Element

The table below describes the important elements of the request XML.

Level	Request Element	DTD	Field	Value
Unitholders	QUERY_UH	FCISUH.DTD	SCODE	Identifies the external sys­tem that is sending the request. For example, HDFC.
			XREF	Running Serial No
			QUERYTYPE
			REQUESTDATE	RRRRMMDD
			CID	CIF Number
			UNITHOLDERID	Unit holder ID (Optional)
			FUNDID	Fund ID (Optional)
			CORPORATEAC­TIONTYPE	Corp Action Type(Optional)
			AMCID	ID of the selected AMC (Optional)
			JOINTORNOMINEE	If ‘N’ then ‘Nominee’ only, if ‘J’ then ‘Joint UH’. If NULL, then both.
Transac­tions	QUE­RY_TXN	FCISTXN.DTD	SCODE	Identifies the external sys­tem that is sending the request. For example, HDFC.
			XREF	Running Serial No
			QUERYTYPE
			REQUESTDATE	RRRRMMDD
			CID	CIF Number
			UNITHOLDERID	Unit holder ID (Optional)
			FUNDID	Fund ID (Optional)
			NUMBEROFTXNS	Number of Transactions to be displayed
			STARTDATE	Start Date of Search (Optional)
			ENDDATE	End Date of Search (Optional)
			TXNNUMBER	Transaction Number to Search (Optional)
			TXNTYPE	Could be any of the follow­ing values: 02-Buy, 03-Sell, 04-Switch, 05-Transfer (Optional)
			AMCID	ID of the selected AMC (Optional)
Unitholders	QUERY_­FUND	FCIS­FUND.DTD	SCODE	Identifies the external sys­tem that is sending the request. For example, HDFC.
			XREF	Running Serial No
			QUERYTYPE	The Request Type
			RECORDID	Fund ID, if Selected
			AMCID	ID of the selected AMC
			FROMDATE	From Date of Filter
			TODATE	To Date of Fil­ter

7.1.24 Viewing Joint Unit Holders

If more than one unit holder is associated with the customer account, the joint unit holder details can be viewed in the welcome screen in addition to the primary account holder and mutual fund balance. Details of the nominees can also be viewed upon request.

7.1.24.1 Request Element

The table below describes the important elements of the request XML.

Level	Request Element	DTD	Field	Value
Unithold­ers	QUE­RY_UH	FCISUH.DTD	SCODE	Identifies the external system that is sending the request. For exam­ple, HDFC.
			XREF	Running Serial No
			QUERYTYPE	GETUHBENEFICIARY
			REQUESTDATE	RRRRMMDD
			CID	CIF Number
			UNITHOLDERID	Unit holder ID (Optional)
			JOINTORNOMI­NEE	If “N” then “Nominee” only, if “J” then “Joint UH”. If NULL then both.

7.1.24.2 Response Element

The table below describes the important elements of the response XML.

Level	Response Element	DTD	Field	Value
Unitholders	REPLY_UH	FCISUH.DTD	ERRCODE	Error Code
			ERRDESC	Error Description
	HAND­OFF_UH> UHBENEFI­CIARY	FCISUH.DTD	UNITHOLDERID	Unit holder ID
			BENEFICIARYID	The Beneficiary ID
			BENEFICIARY­TYPE	J1 and J2 for first and second Joint unit holders, N1, N2 for first and second Nomi­nees respectively.
			BENEFI­CIARYNAME	Name of the bene­ficiary
			BENEFICIARY­DOB	Date of Birth of the beneficiary
			BENEFICIARY­ADDRESS	Address of the beneficiary
			BENEFI­CIARYRELA­TION	Relation to Pri­mary Holder
			BENEFICIARYP­ANNO	Pan Number of the beneficiary
			BENEFICIARY­FORM60	‘1’ if Form 60 is available else it should be ‘0’.
			BENEFI­CIARYUIN	In case of Corpo­rate the UIN.

Transaction Cancellation

Customer/Unit holder can cancel transactions through Oracle FLEXCUBE Internet Banking. Transaction cancellation is not allowed after the cut off time.

7.1.24.3 Request Element

The table below describes the important elements of the request XML.

Level	Request Element	DTD	Field	Value
Transac­tion	REVERSE_TXN	FCISTXN	SCODE	Identifies the external sys­tem that is sending the request. For example, HDFC.
			XREF	Running Serial Number
			REQUEST­DATE	RRRRMMDD
			CID	CIF Number
			FUNDID
			TXNTYPE
			TXNNUMBER	The Transaction number which is to be reversed.

7.1.24.4 Response Element

The table below describes the important elements of the response XML.

Level	Response Element	DTD	Field	Value
Transaction	REPLY_TXN	FCISTXN	TXNNUM­BER	Reversed Transaction Number
			TXNREF­NUMBER	Running Serial Number
			SETTLE­MENTDATE	RRRRMMDD
			ERRCODE	The FCIS Error Code
			ERRDESC	Error Description

7.1.25 Viewing Dividend Details for Customers

The following dividend details are displayed for a customer:

• Date of Dividend
• Units as on dividend date
• Dividend per unit
• Amount of Dividend

7.1.25.1 Request Element

The table below describes the important elements of the request XML.

Level	Request Element	DTD	Field	Value
Unitholders	QUE­RY_UH	FCISUH.DTD	SCODE	Identifies the external sys­tem that is sending the request. For example, HDFC.
			XREF	Running Serial No
			QUERYTYPE	GETDIV
			REQUEST­DATE	RRRRMMDD
			CID	CIF Number
			UNITHOLDE­RID	Unit holder ID (Optional)
			AMCID	If AMC ID is given then only records of funds in that AMC will be shown.

7.1.25.2 Response Element

The table below describes the important elements of the response XML.

Level	Response Element	DTD	Field	Value
Unitholders	REPLY_UH	FCISUH.DTD	ERRCODE	Error Code
			ERRDESC	Error Description
Unitholders	HANDOFF_­DIV> DIVI­DEND	FCISUH.DTD	CID	CIF Number
			UNITHOLD­ERID	Unit holder ID
			UNITHOLD­ERNAME	Customer Name
			FUNDID	ID of the fund
			ISINCODE	ISIN
			DIVIDEND­NUMBER	Dividend Number
			PAYMENT­NUMBER	Payment Number for this dividend
			FROMDATE	The Start Period of this distribution.
			TODATE	The End Period of this distribution.
			DIVIDEND­DECLARE­DATE	The date of Dividend Declaration
			DIVIDEND­PAYMENT­DATE	The date Dividend is Pro­cessed.
			DIVIDEND­VALUE­DATE	Value Date
			COUPON­NUMBER	Coupon number, if any.
			EPU	Earning Per Unit
			UNITBAL­ANCE	Balance on which Divi­dend is given.
			DIV_CCY	Dividend Currency
			DIV_AMT	Total Dividend Amount
			TAXDE­DUCTED	Total Tax Deducted
			NETPAID	Net paid after Tax
			REINV_AMT	Total Amount Reinvested in Fund
			MOP	Mode of Payment if Pay­out (T – Transfer, Q – Cheque)
			BANKNAME	Bank Name of Transfer
			BRANCHNAME	Branch Name of Transfer
			BRANCH­BICCODE	BIC Code for SWIFT
			ACCOUNT­NUMBER	Account Number for Transfer
			ACCOUNT­CURRENCY	Currency of Account
			CHEQUE­NUMBER	Cheque number if mode of payment is cheque
			CHEQUEA­MOUNT	Cheque Amount
			CHEQUE­CURRENCY	Cheque Currency
			TRANSFER­AMOUNT	Total Amount Transferred
			TRANSFER­EXCHANG­ERATE	Exchange Rate Used for Transfer
			CHEQUE­EXCHANG­ERATE	Exchange Rate Used for Cheque
			CORPORA­TEACTION­TYPE	Type of Dividend C-Cash , S- Stock
			SD_PAREN­TRATIO	Stock Dividend – Parent Ratio
			SD_RE­SULTAN­TRATIO	Stock Dividend Resultant ratio
			REINVEST­MENTU­NITS	Units Reinvested
Unitholders	HANDOFF_­DIV> REIN­VESTMENT		CID	CIF Number

Level	Request Element	DTD	Field	Value
			UNITHOLDERID	Unit holder ID
			FUNDID	Id of the fund
			PAYMENTNUMBER	Payment Number for this dividend
			TOUNITHOLDERID	Reinvestment Unit holder ID
			TOFUNDID	Reinvestment Fund ID
			TOFUNDCURRENCY	Reinvestment Fund ID Currency
			REINVESTMENTEX­CHANGERATE	Exchange rate used
			REINV_AMT_TO_FUND	Reinvested Amount in the Reinvestment Fund

Level	Request Element	DTD	Field	Value
			UNITSALLOTED	Units Allotted for Rein­vestment Transaction
			UNITPRICE	Unit Price for Rein­vestment Allocation
			REINV_AMT	Amount of Reinvest­ment
			CORPORATEACTION­TYPE	Type of Dividend could be either C-Cash or S- Stock
Unithold­ers	HANDOFF_­DIV> TAX­COMPONENT		CID	CIF Number
			UNITHOLDERID	Unit holder ID
			FUNDID	Id of the fund
			DIVIDENDNUMBER	Dividend Number
			TAXCOMPONENTTEXT	Description
			TAXCURRENCY	Currency of Tax
			TAXDEDUCTEDIN­FUNDCCY	Tax in Fund Based Currency
			TAXDEDUCTEDIN­TAXCCY	Tax in Tax Base Cur­rency
			PAYMENTNUMBER	Payment Number for this dividend

7.1.26 Viewing Dividend Details for Funds

Dividend information for the various funds/schemes available in the system can be viewed. Search may be based on AMC, Scheme Name, From Date and To Date.

7.1.26.1 Request Element

The table below describes the important elements of the request XML.

Level	Request Element	DTD	Field	Value
Unitholders	QUE­RY_­FUND	FCIS­FUND.DTD	SCODE	Identifies the external system that is sending the request. For example, HDFC.
			XREF	Running Serial No
			QUERY­TYPE	GETFUNDDIV
			RECORDID	Fund ID, if Selected
			AMCID	AMC ID of the AMC Selected
			FROMDATE	From Date of Dividend Info
			TODATE	To Date of Dividend Info

7.1.26.2 Response Element

The table below describes the important elements of the response XML.

Level	Response Element	DTD	Field	Value
Unitholders	REPLY_­FUND	FCIS­FUND.DTD	ERRCODE	Error Code
			ERRDESC	Error Description
Unitholders	HAND­OFF_­DIV> FUNDDIV	FCIS­FUND.DTD	FUNDID
			DIVIDEND­NUMBER
			DIVIDEND­TYPE	Could be either R-Reg­ular or I-Interim
			FROMDATE	Dividend Period Start
			TODATE	Dividend Period End
			FREEZEHOLD­INGDATE	Date of Freeze Holding of Units
			DIVIDENDDE­CLAREDATE	Date of Dividend
			EPU	Earnings Per Unit
			CORPORATE­ACTIONTYPE	Type of Dividend Distri­bution. Could be either C-Cash or S-Stock
			SD_PAREN­TRATIO	Stock Dividend Parent ratio
			SD_RESULT­ANTRATIO	Stock Dividend Result­ant ratio
			STATUS	Could be either P-Pro­cessed or U-Unpro­cessed,

7.1.27 Viewing Corporate Actions

Oracle FLEXCUBE Internet Banking allows you to view investment options. This gives you information about the fund distribution mode. In case a fund does not have this data it indicates if a plan is ‘Growth Plan’ or ‘Dividend Plan’. The Default Distribution Mode will be picked up. In case it is ‘Rl’ then Investment Option is ‘Reinvestment’ else it is ‘P’ for ‘Payout’.

7.1.27.1 Request Element

The table below describes the important elements of the request XML.

Level	Request Element	DTD	Field	Value
Fund	QUERY_­FUND	FCIS­FUND	SCODE	Identifies the external system that is sending the request. For example, HDFC.
			XREF	Running Serial Number
			QUERY­TYPE	GETFUNDIDR
			RECORDID	Not Required when fetching for all Funds, else FCIS Fund ID

7.1.27.2 Response Element

The table below describes the important elements of the response XML.

Level	Response Element	DTD	Field	Value
Unitholders	REPLY_FUND	FCIS­FUND.DTD	ERRCODE	Error Code
			ERRDESC	Error Description
Fund	HANDOFF_­FUND> FUN­DIDR	FCISFUND	FUNDID
			DIVDE­CLARE­FREQ	Could be any of the following val­ues: D –Daily, M-Monthly, H-Half Yearly, Y-Yearly, Q-Quarterly
			DIVPYMT­FREQ	Could be any of the vales in the fol­lowing list: D –Daily, M-Monthly, H-Half Yearly, Y-Yearly, Q-Quarterly
			LASTDIVNO	Last Dividend Number
			LAST­PYMTNO	Last Payment Number
			DEFAULT­DISTMODE	Distribution Mode. Could be any of the following: P-Payout, R- Rein­vestment
			RESTRICT­IDS
			CORPORA­TEACTION­TYPE	Could be either C-Cash Dividend or S-Stock Dividend

7.1.28 Viewing Online Balance

Total Unit Balance minus the under-process units is referred as Online Balance. This Balance is displayed on the Redemption and Switch Screens.

7.1.28.1 Request Element

The table below describes the important elements of the request XML.

Level	Request Element	DTD	Field	Value
Unitholders	QUE­RY_UH	FCISUH.DTD	SCODE	Identifies the exter­nal system that is sending the request. For example, HDFC.
			XREF	Running Serial No
			QUERYTYPE	GETUHDETAILS
			REQUEST­DATE	RRRRMMDD
			CID	CIF Number

7.1.28.2 Response Element

The table below describes the important elements of the response XML.

Level	Response Element	DTD	Field	Value
Unitholders	REPLY_UH	FCISUH.DTD	ERRCODE	Error Code
			ERRDESC	Error Descrip­tion
	HAND­OFF_UH> UHFUND­BALANCE	FCISUH.DTD	UNITHOLDERID	Unit holder ID
			CID	CIF Number
			FUNDID	Fund
			FUNDNAME	Name of Fund
			FUNDOBJECTIVE	Objective of Fund
			CURRENTNAV	Current NAV
			FUNDCCY	Fund Base Cur­rency
			VALUEIN­FUNDCCY	Value of Hold­ing in Fund based Currency
			VALUEINUHCCY	Value of Hold­ing in Unit holder Base Currency
			CURRENTHOLD­ING_UNITS	Total Allotted Balance in the Fund
			SELLABLEUNITS	Total Balance that can be liq­uidated or sold.
			PROVISIONAL­UNITS	Balance that cannot be sold and is not Blocked.
			BLOCKEDUNITS	Total balance that is Blocked for Collateral.
			ISSUEDBAL	Total Units for which Certifi­cate has been issued-if Certifi­cate Fund.
			UNISSUEDBAL	Total Units for which Certifi­cate has not been issued-if Certificate Fund.
			REDEEMBAL	Total Approxi­mate Amount that is Redeem­able.
			UHPRE­FERREDCCY	Unit holder Base Currency
			PRODUCTID	Product of Bal­ance
			AMCID	AMC of Fund
			AMCNAME	Name of the AMC
			PRODUCTNAME	Name of the Product
			CIDNAME	Name of Cus­tomer
			ONLINEBAL	The Total Bal­ance – In Pro­cess Balance
			ONLIBALINFBCCY	The above Bal­ance * NAV in FBCCY
			ONLIBALINFBCCY	The above Bal­ance * NAV in UHCCY

7.1.29 Viewing Multiple Funds in Transaction Activity

During transaction activity, if the customer requests for a particular AMC, then activity will be shown for all funds in that AMC.

7.1.29.1 Request Element

The table below describes the important elements of the request XML.

Level	Request Element	DTD	Field	Value
Fund	QUERY_TXN	FCISTXN.DTD	SCODE	Identifies the external system that is sending the request. For exam­ple, HDFC.
			XREF	Running Serial Number
			QUERYTYPE	TXN_ACTIVITY
			REQUEST­DATE	System date
			CID	CIF Number
			UNITHOLDE­RID	Unit holder ID
			FUNDID	Id of the fund
			NUMBER­OFTXNS	Number of Transac­tions to display
			STARTDATE	Start date of Transac­tion
			ENDDATE	End date of Transac­tion
			TXNNUMBER	Transaction Number
			TXNTYPE	Transaction Type
			AMCID	AMC Code

7.1.29.2 Response Element

The table below describes the important elements of the response XML.

Level	Response Element	DTD	Field	Value
Transactions	HAND­OFF_TXN> FUND_TXN	FCISTXN.DTD	CID	CIF Number
			UNITHOLDERID	Unit holder ID
			SERIALNO	Running Serial Number
			TXNNUMBER	Transaction Num­ber
			TXNDATE	Transaction Date
			TXNTYPE	Transaction Type
			FUNDID	ID of the fund
			TXNMODE	Transaction Mode
			TXN_CCY_AMT	Transaction Cur­rency Amount
			TXN_CCY	Transaction Cur­rency
			UNITPRICE	Unit Price
			UNITSAF­FECTED	Units
			RUNNINGTO­TAL	Current Running Total of Units
			ISSUEDBAL	Issued bal
			LOIAPPLICA­BLE	LOI Applicable
			LOAD	Fee/Tax Amount
			VATAMT	Vat Amount
			PAYMENT­MODE	Mode of Payment (T Transfer/C-Cash-Q Cheque, D-Demand Draft)
			SUBPAYMENT­MODE	Sub Mode of Pay­ment (T Transfer/C-Cash-Q Cheque, D-Demand Draft)
			CHEQUENUM­BER	If paid by Cheque the ChequeNum­ber
			CHEQUEDATE	If paid by Cheque the ChequeDate
			CLEARING­DATE	Payment Clearing Date of Transac­tion
			DRAWEEBANK­CODE	If paid by Transfer Bank Code
			TRANSFER­BRANCHCODE	If paid by Transfer Branch Code
			TRANSFERAC­COUNTTYPE	If paid by Transfer Account Type
			TRANSFERAC­COUNTNUM­BER	If paid by Transfer Account Number
			TRANSFERAC­COUNTCUR­RENCY	If paid by Transfer Account Currency
			PAYMENTTYPE	S-Self T –Third Party
			THIRDPAR­TYPAYMEN­TREFERENCE	Third Party Refer­ence number
			THIRDPART­YADDRESS1	Third Party Address Line 1
			THIRDPART­YADDRESS2	Third Party Address Line 2
			THIRDPART­YADDRESS3	Third Party Address Line 3
			THIRDPARTYS­TATE	Third Party State
			THIRDPAR­TYZIPCODE	Third party Zip­code
			THIRDPARTY­USSTATE	Third Party US state
			THIRDPARTY­COUNTRY	Third party Coun­try
			THIRDPARTY­BICCODE	Third Party BIC Code for Swift
			TRANSFER­REFERENCE­NUMBER	Reference Number
			TRANSFERAC­COUNTHOLD­ERNAME	Account Holder Name
			REFTYPE	Reftype
	HAND­OFF_TXN> OPENINGBAL	FCISTXN.DTD	CID	Cif Number
			FUNDID	Fund
			OPENINGBAL­ANCE	Opening Balance in this Fund for the criteria in Request.

7.1.30 CIF Handoff for Enabling Internet Banking

Customer numbers (CIF) are sent across as an offline Handoff so that FLEXCUBE@ shows Mutual Fund Menu only to those Customers who have an Account in FCIS.

7.1.30.1 Request Element

The table below describes the important elements of the request XML.

Level	Request Element	DTD	Field	Value
Unitholders	QUERY_UH	FCISUH.DTD	SCODE	Identifies the external sys­tem that is sending the request. For example, HDFC.
			XREF	Keystring with Time Stamp
			QUERYTYPE	GETCIF
			REQUESTDATE	RRRRMMDD
			CID	CIF Number

7.1.30.2 Response Element

The table below describes the important elements of the response XML.

Level	Response Element	DTD	Field	Value
Unithold­ers	REPLY_UH	FCISUH.DTD	ERRCODE	Error Code
			ERRDESC	Error Descrip­tion
	HANDOFF_UH> CIFDTLS	FCISUH.DTD	CID	CIF Number
			STATUS	Status. Could be either O-Open or C-Closed