53.7 FAQ

1. What are some of the validations that a file goes through at various stages, in its life cycle?

   The following are the validations performed on an uploaded file by OBAPIS and subsequently by the Host, before file is liquidated.

   Sr No	Events	Applicable to	Checks
   1	On File Upload	All Files	File contents should not match an already uploaded file
   2	On File Upload	All Files	File should not exceed the Maximum Size limit
   3	On File Upload	All Files	The File Extension type should be the ones permitted
   4	On File Upload	All Files	The file should not be Malicious
   5	At Pre-Processing	All Files	The format for all fields, should be as templated viz., Date, Currency in accordance with ISO standards, Party- numeric, account number-alphanumeric etc.
   6	At Pre-Processing	All Files	The Party should be valid, should exist
   7	File At Pre-Processing	All Files	Party and Debit account should belong to each other
   8	At Pre-Processing	All Files	User should have access to Debit Account (If applicable for the type of file selected)
   9	At Pre-Processing	All Files	Debit account should not be in closed status (If applicable for the type of file selected)
   10	At Pre-Processing	All Files	Transaction Limits are not violated at user level (If applicable for the type of file selected)
   11	At Pre-Processing	All Files	Payment date should not be in the past (If applicable for the type of file selected)
   12	At Pre-Processing	All Files	Payment date should not be a holiday as per the host calendar maintenance (If applicable for the type of file selected)
   13	At Pre-Processing	All Files	Debit account should be a CASA account, not loan or TD (If applicable for the type of file selected)
   14	At Pre-Processing	All Files	Debit currency in the file, should match the currency of the CASA account (If applicable for the type of file selected)
   15	At Pre-Processing	Internal Files	Transaction currency should match either the debit or credit CASA (If applicable for the type of file selected)
   16	At Pre-Processing	Internal Files	The Credit Account should be a CASA account, not loan or TD (If applicable for the type of file selected)
   17	At Pre-Processing	All SDSC and SDMC files	A file with multiple records, should have the same debit account (If applicable for the type of file selected)
   18	At Pre-Processing	Internal Ad hoc	The Purpose of remittance should be valid (If applicable for the type of file selected)
   19	At Pre-Processing	Domestic Files	The NEFT / RTGS code should be valid (If applicable for the type of file selected)
   20	At Approval	All Files	Cumulative limits should not be violated either for the Approver and the Party (If applicable for the type of file selected)
   21	Validations in Core	All Files	The Debit account should have sufficient balance (If applicable for the type of file selected)
   22	Validations in Core	All Files	Debit account should not be in dormant status (If applicable for the type of file selected)
   23	Validations in Core	All Files	Debit account should not be in debit block status (If applicable for the type of file selected)
   24	Validations in Core	Internal Files	The Credit CASA account should not be closed (If applicable for the type of file selected)
   25	Validations in Core	Internal Files	There should not be a Credit Block on the CASA account (If applicable for the type of file selected)
   26	Validations in Core	International Files	The BIC / SWIFT code should be valid, as per the BIC / Clearing directory as maintained in the host system (If applicable for the type of file selected)

2. If some records in a file are liquidated, others are deleted, what will the status of the file be?

   The following table shows the file status which is followed to depict various status of the file upload. So if all the records of file are liquidated then the file status is processed, and if any of the records in the file is liquidated while all the other are rejected the file status will be processed, and if any of the records is liquidated and rest all have an error the file status will be processed with exception.

   Verified	Approved	Processing in Progress	Liquidated	Rejected	Deleted	Error	File Status
   All							Verified
   	All						Approved
   		All					Processing in Progress
   			All				Processed
   				All			Rejected
   					All		Deleted
   						All	Error
   			1	1			Processed
   			1		1		Processed
   			1			1	Processed with exception
   			1	1	1		Processed
   			1	1	1	1	Processed with exception
   				1	1		Deleted
   				1		1	Processed with exception
   					1	1	Processed with exception

3. If a payment file is in the approved status, does it mean that all the records are successfully liquidated?

   No, the file still has to successfully pass validations in the host system, before records are processed.

4. Can a user delete the entire file or deletion of only individual records within a file is allowed?

   Whether only records can be deleted, or the entire file will be deleted depends on the accounting type of the file, and the approval type (Record Level or File level)

   The table below throws light on the combinations allowed

   Sr No	Accounting Type	Authorization Type	File / Record Deletion allowed?
   1	SDMC	File Level	Not allowed
   2	SDSC	File Level	Not allowed
   3	SDSC	Record Level	Only records can be deleted, and not the entire file
   4	MDMC	Record Level	Only records can be deleted, and not the entire file

5. If a working window is set for the File Upload transaction – how will processing be impacted outside of the working window?

   Outside of the transaction working window set for file uploads, processing will depend on whether the file has a Record Level approval or a File Type approval.

   Files with a File Type approval – will be rejected, outside of the transaction working window

   Files with Record Type approval – if some records are processed within the working window, will be completed – if processing of some records, falls outside of the working window – these will be rejected.

6. What is the impact of limits on processing of File Upload transactions?

   File uploads transaction will utilize limits depending on if the transfer is an internal, domestic, or international funds transfer.

   Further, for domestic funds transfer – limits are defined for each network – NEFT, RTGS and IMPS. Limits will be checked at the pre-processing’s stage for file uploads.

7. After a file is successfully uploaded, is the user provided notifications on its status?

   Yes, Users mapped to the FI – initiators and approvers of the file, are provided with alerts / notification, as file progresses from the Uploaded stage to Approved to Processing in Progress to the Processed stage. Alternately, users can log in to view the status of the file.