3.1.1 Account Details

Entity Name: ACCT

Description: This entity holds account related data from the product processor.

Data Sequence:

ACCT|Account Number|Account Opening Date|Product Type|Product Sub Type|Outstanding Amount|Overdue Amount|Days Past Due|Home Branch|Facility Id|Liability Id|System Account Status|Secured Flag|Insured Flag|Card Number|User defined Account Status|Accrual Status|Product Code|Asset Classification Code|Account Limit|Repayment Frequency|Un-Cleared Payment Amount|Maturity Date|Account Write Off Date|Account Write Off Amount|Loan Purpose Type|Loan Purpose Code|Date of last loan restructure|Account Currency Code|Delinquent|Delinquency Start Date|Disbursed Amount|Available for Disbursement|Non Starter|Interest Rate|Interest Type|Employee Account Flag|Minor Account Status|Probability of Default|Reason for Delinquency|Forced Reason|Forced Account Switch|Behavior Score|Application Score|Loan to Value Ratio|Loan to Value Ratio|Regulated Loan Flag|Account Title|IOA Amount|BICOE Flag|Date of First Default|Last DPD Update Date|Relationship Manager|Auto Pay Instruction|Chargeoff Date|Chargeoff Amount|No Of Times Reaged|No of Time Extended|No Of Times Deferred|No Of Times Renewed|No of Time Re-written|Account Reopen Date|Account Closed Date|Account Reopen Switch|Charge Off Primary Reason|Charge Off Secondary Reason|Recovery Score|Market Entity|Business Unit|Fees and Other Charge Bucket Amount|Insurance Bucket Amount|Interest Bucket|Principal Bucket Amount|Account Term|Non Due Fees Amount|Overdrawn Amount|Account Address|udf1|udf2|udf3|udf4|udf5|udf6|udf7|udf8|udf9|udf10|udf11|udf12|udf13|udf14|udf15|udf16|udf17|udf18|udf19|udf20|udf21|udf22|udf23|udf24|udf25|udf26|udf27|udf28|udf29|udf30|udf31|udf32|udf33|udf34|udf35|udf36|udf37|udf38|udf39|udf40|udf41|udf42|udf43|udf44|udf45|udf46|udf47|udf48|udf49|udf50

Table 3-1 Account Details

Field Name	Description	Possible Values / Examples	Data Type	Data Length	Required/Optional
Account Number	Account Number as stored in Host	Customer Account Number	VARCHAR2	30	Required
Account Opening Date or Initial Disbursement Date	Term Loan: First Disbursement Date OD: Date on which OD facility is provided Current Account with TOD facility: TOD utilization Date – Derived	-	DATE	-	Required
Product Type	Product Type of the account	LN- Loan CS- CASA/Overdraft/Line of Credit	VARCHAR2	30	Required
Product Sub Type	Product Sub Type associated with the account	Auto Loan, Unsecured Loan, Secured Overdraft	VARCHAR2	30	Required
Outstanding Amount	Outstanding amount for the account	-	NUMBER	36,18	Required
Overdue Amount	Overdue amount for the account	-	NUMBER	36,18	Required
Days Past Due	Longest Days past due value computed by the host	-	NUMBER	4,0	Required
Home Branch	Home Branch of the account	-	VARCHAR2	30	Required
Facility Id	Facility Id under which account is created. This field is used based on the structure of accounts in the host.	-	VARCHAR2	30	Optional
Liability Id	Liability Id under which the Facility Id of the account has been created. This field is used based on the structure of accounts in the host.	-	VARCHAR2	30	Optional
System Account Status	Status of the account as defined in the host	Example: Regular, Dormant, Closed, Charged-Off	VARCHAR2	30	Optional
Secured Flag	-	Y/N	CHAR	1	Optional
Insured Flag	-	Y/N	CHAR	1	Optional
Card Number	-	-	VARCHAR2	30	Optional
User defined Account Status	As defined in the host	Example: Debit Block, Credit Block, etc.	VARCHAR2	30	Optional
Accrual Status	This field displays the accrual status for the account	Normal, Suspended	CHAR	1	Optional
Product Code	Code of the banking product offered to the customer	AUTOLN, SECOD,	VARCHAR2	30	Optional
Asset Classification Code	Asset Class Code	-	VARCHAR2	40	Optional
Account Limit	Sanctioned Limit offered to the account	-	NUMBER	36,18	Optional
Repayment Frequency	Repayment Frequency of the loan	Monthly, weekly, quarterly	VARCHAR2	30	Optional
Un-Cleared Payment Amount	Sum of all un-cleared credits to the account	-	NUMBER	36,18	Optional
Loan Maturity Date	Date when loan matures	-	DATE	-	Optional
Account Write Off Date	Date when account is fully written off/ abandoned	-	DATE	-	Optional
Account Write Off Amount	Written off loan amt (abandonment amount). Total of all sums written off will be given.	-	NUMBER	36,18	Optional
Loan Purpose Type	Loan purpose types as applicable to the host	-	VARCHAR2	30	Optional
Loan Purpose Code	List of values as per loan purpose type	-	VARCHAR2	30	Optional
Date of last loan restructure	Date when the loan was last restructured	-	DATE	-	Optional
Account Currency Code	Currency code of the account	-	VARCHAR2	30	Required
Delinquent	Indicate if the account is delinquent	Y/N	CHAR	1	Required
Delinquency Start Date	Current Delinquency Start Date. To be sent only once with the initial data hand off	-	DATE	-	Optional
Disbursed Amount	Amount disbursed so far in case of a tranche	-	NUMBER	36,18	Optional
Available for Disbursement	Total loan amount available for disbursement	-	NUMBER	36,18	Optional
Non Starter	Indicate if the customer defaults the first installment after disbursement.	Y/N	CHAR	1	Optional
Interest Rate	Rate of interest for current applicable stage	-	NUMBER	36,18	Optional
Interest Type	Fixed or Floating	-	VARCHAR2	14	Optional
Employee Account Flag	Indicate if the account belongs to an employee	Y/N	CHAR	1	Optional
Minor Account Status	Indicate if the account belongs to a minor	Y/N	VARCHAR2	30	Optional
Probability of Default	Current Probability of default captured at account level	-	VARCHAR2	30	Optional
Reason for Delinquency	Reason code for delinquency of the account	-	VARCHAR2	30	Optional
Forced Reason	Forced Reason	-	VARCHAR2	30	Optional
Forced Account Switch	Forced Account Switch	Y/N	CHAR	1	Optional
Behavior Score	Current Behavior Score captured at account level	-	VARCHAR2	30	Optional
Application Score	Application Score captured at the time of opening of account	-	VARCHAR2	30	Optional
Loan to Value Ratio ( Book Value)	Loan to Value Ratio (Book/ Bank Value is considered) - Value of External Charge on Collateral is considered while calculating LVR	-	NUMBER	5,2	Optional
Loan to Value Ratio ( Market Value)	Loan to Value Ratio (MTM is considered) - Value of External Charge on Collateral is considered while calculating LVR	-	NUMBER	5,2	Optional
Regulated Loan Flag	Regulated Loan Flag	Y/N	CHAR	1	Optional
Account Title	Account Title	-	VARCHAR2	120	Optional
IOA Amount	IOA Amount	-	NUMBER	36,18	Optional
BICOE Flag	Flag to indicate if the Account is a BICOE (Building in Construction) Loan account	Y/N	CHAR	1	Optional
Date of First Default	First Date of Default - Date on which account became default as sent by host	-	DATE	-	Optional
Last DPD Update Date	-	-	DATE	-	Optional
Relationship Manager	Relationship Manager Name (if any)	-	VARCHAR2	30	Optional
Auto Pay Instruction	Auto Pay Instruction	-	VARCHAR2	30	Optional
Chargeoff Date	Date on which account was Charged off	-	DATE	-	Optional
Chargeoff Amount	Chargeoff Amount	-	NUMBER	36,18	Optional
No Of Times Reaged	No Of Times Reaged	-	NUMBER	4	Optional
No of Time Extended	No of Time Extended	-	NUMBER	4	Optional
No Of Times Deferred	No Of Times Deferred	-	NUMBER	4	Optional
No Of Times Renewed	No Of Times Renewed	-	NUMBER	4	Optional
No of Time Re-written	No of Time Re-written	-	NUMBER	4	Optional
Account Reopen Date	Account Reopen Date	-	DATE	-	Optional
Account Closed Date	Account Closed Date	-	DATE	-	Optional
Account Reopen Switch	Account Reopen Switch	Y/N	NUMBER	1	Optional
Charge Off Primary Reason	Charge Off Primary Reason	-	VARCHAR2	60	Optional
Charge Off Secondary Reason	Charge Off Secondary Reason	-	VARCHAR2	60	Optional
Recovery Score	-	-	VARCHAR2	10	Optional
Market Entity	It is equivalent to a brand. Market Entity belongs to a Legal Entity. One Legal Entity can have multiple Market Entities	-	VARCHAR2	30	Optional
Business Unit	It is equivalent to a line of business. For example, Retail Business, Corporate Business, Investment Services	-	VARCHAR2	30	Optional
Fees and Other Charge Bucket Amount	-	-	NUMBER	36,18	Optional
Insurance Bucket Amount	-	-	NUMBER	36,18	Optional
Interest Bucket	-	-	NUMBER	36,18	Optional
Principal Bucket Amount	-	-	NUMBER	36,18	Optional
Account Term	Account Term	-	NUMBER	4	Optional
Non Due Fees Amount	Non Due Fees Amount	-	NUMBER	36,18	Optional
Overdrawn Amount	Overdrawn Amount	-	NUMBER	36,18	Optional
Account Address	-	-	VARCHAR2	1000	Optional