RTGS through CBS

CUSTOMER / INTERBANK REQUEST-PAYMENTS : 

CUSTOMER / INTERBANK REQUEST-PAYMENTS TYPE HRTGS

CUSTOMER / INTERBANK REQUEST-PAYMENTS : 

CUSTOMER / INTERBANK REQUEST-PAYMENTS User on Invoking menu option ‘HRTGS’ the following screen will appear:-

CUSTOMER / INTERBANK REQUEST-PAYMENTS : 

CUSTOMER / INTERBANK REQUEST-PAYMENTS ‘Function’ field :- The user can give inputs of ‘A’ for Add, ‘I’ for Inquiry, ‘M’ – for modification, ‘V’- for verification and ‘X’- for Cancellation   ‘Tran. Type’ :- ‘C’- for Cash & ‘T’- for transfer type of transactions. Cash Transactions are allowed for R41 (customer transactions) only.

CUSTOMER / INTERBANK REQUEST-PAYMENTS : 

CUSTOMER / INTERBANK REQUEST-PAYMENTS ‘Sol ID’ :- The sol_id will be populated automatically in ‘Add’ mode. ‘Paysys ID :- For RTGS the reference code will be ‘RTGS’ ‘Message Type’ :- User can give R41/R42 as per the purpose of transactions.

CUSTOMER / INTERBANK REQUEST-PAYMENTS : 

CUSTOMER / INTERBANK REQUEST-PAYMENTS Then Click ‘Accept’ Button in case of adding a transaction. The other fields ‘UTR’, ‘Tran ID’, ‘Tran Date’ , ‘Paysys Tran. Ref. No.’ may be used for Inquiring , modifying, Verifying and Cancellation of transaction. Cancellation of transaction can be done before verification of transaction only.

CUSTOMER / INTERBANK REQUEST-PAYMENTS : 

CUSTOMER / INTERBANK REQUEST-PAYMENTS The following Screen will appear after pressing the ‘Accept’ Button.

CUSTOMER / INTERBANK REQUEST-PAYMENTS : 

CUSTOMER / INTERBANK REQUEST-PAYMENTS In the above Screen the ‘Message Status’ field is protected. It is advisable to fill the fields which appears with ‘Red Star’. These fields are mandatory field. Message Priority :- The message priority should be in between of 12-99. Value Date :- Value date should be the BOD date.

CUSTOMER / INTERBANK REQUEST-PAYMENTS : 

CUSTOMER / INTERBANK REQUEST-PAYMENTS Dr. A/c Id :- In case of cash transaction the ‘Cash in Hand A/c(i.e Solid <5119901>) ‘of the sol is debited , but in case of transfer the user has to give the dr. a/c id. Cr. A/c ID :- The system will automatically pick the ‘RTGS Settlement A/c –0062003211401A’ in cash as well as transfer transaction.

CUSTOMER / INTERBANK REQUEST-PAYMENTS : 

CUSTOMER / INTERBANK REQUEST-PAYMENTS Tran Amount :- The user has to input the transaction amount in this field . Charge Event Id(Non mandatory) :- This will automatically populated Charge A/c Id (Non mandatory) :- If charges have to be taken then the a/c no. is required here . Tran . Particular( Non mandatory):-

CUSTOMER / INTERBANK REQUEST-PAYMENTS : 

CUSTOMER / INTERBANK REQUEST-PAYMENTS After pressing ‘NEXT’ button the following screen will appear:-

CUSTOMER / INTERBANK REQUEST-PAYMENTS : 

CUSTOMER / INTERBANK REQUEST-PAYMENTS

CUSTOMER / INTERBANK REQUEST-PAYMENTS : 

CUSTOMER / INTERBANK REQUEST-PAYMENTS In the above Screen the field ‘Bank/Branch Code’ should be filled by the User. The help to know the Bank/Branch code is available beside the field itself. User has to fill all the mandatory fields .

CUSTOMER / INTERBANK REQUEST-PAYMENTS : 

CUSTOMER / INTERBANK REQUEST-PAYMENTS Sender to receiver information :- This field is having line no. 1 to 6 for User to give information regarding the transaction. The Sender to Receiver information should be written as per the following format :- Line 1 :- /MESSAGE/<message part> Line 2 :- //<message part> Line 3 :- ///<message part>

CUSTOMER / INTERBANK REQUEST-PAYMENTS : 

CUSTOMER / INTERBANK REQUEST-PAYMENTS Line4:- ////<message part> Line5:- /////<message part> Line6:- //////<message part> The only thing to keep in mind is that in any line total no. of characters should not go beyond 35.

CUSTOMER / INTERBANK REQUEST-PAYMENTS : 

CUSTOMER / INTERBANK REQUEST-PAYMENTS After entering all the information the user may press “Submit” button to get “Paysys Tran Ref No.” which should be noted for verification. Verification :- The verification can be done through the same menu option “HRTGS” by other Users by feeding the Paysys Tran Ref. No. in the last field.

CUSTOMER / INTERBANK REQUEST-PAYMENTS : 

CUSTOMER / INTERBANK REQUEST-PAYMENTS

OTHER ENHANCEMENT : 

OTHER ENHANCEMENT RTGS Settlement A/c No. is now changed from 0062003211401 to 0062003211401A in version 7.0.   RTGS commission shall be credited to a/c no.” <sol_id> 2031602” for customer transactions.

OTHER ENHANCEMENT : 

OTHER ENHANCEMENT Charges - how to apply / waive through event id :- While Adding a transaction through HRTGS after accepting the first page, the second page has two fields “Charge Event ID’ and ‘Charge A/c ID’ . The Charge Event Id name (RTGSOR41) is automatically populated with some other important fields and the charge a/c Id has to be given by the user if the charge has to be taken else the user has to remove the ‘Charge Event ID’ to skip the charges.

OTHER ENHANCEMENT : 

OTHER ENHANCEMENT The Charges for <2 Hrs. @ 0.12% are applied automatically through event id ‘RTGSOR41’. If less charges ( > 2 Hrs.) are to be applied then the event id should be changed to ‘RTGSOR41>2H’ while transaction creation to apply charges @ 0.10%.

OTHER ENHANCEMENT : 

OTHER ENHANCEMENT Inquiry of tran_id and UTR no. after verification :- The UTR no. is generated as and when the entry part has been done, but the system shows only Paysys tran ref. No. For obtaining utr no. user may use inquiry mode, give paysys tran ref. No. and view the particular transaction in HRTGS, Or at the time of verification the Utr No. is shown by the system at the top right of the screen.

OTHER ENHANCEMENT : 

OTHER ENHANCEMENT The tran_id is generated after the verification of the transaction only. The user may get the tran id (only after verification) through inquiry mode after giving the paysys tran ref no. The Tran_id and UTR no. may be noted by the user in the voucher for future reference of the transaction.

OTHER ENHANCEMENT : 

OTHER ENHANCEMENT Cash Transactions :- This is the new concept incorporated in 7.0 . The user can do cash transaction through ‘HRTGS’. Only R41 type of messages are allowed in cash transactions. The system debits ‘Cash in Hand Account’ of the initiating sol and credits “0062003211401A – RTGS Settlement Account” . The charges may be debited from Party a/c.or Cash in hand account by giving appropriate account no. in the field charge A/c ID. R42 messages cannot be sent through Cash Transaction.

OTHER ENHANCEMENT : 

OTHER ENHANCEMENT The RTGS remittances for Rs. 50,000/- and above through Cash should not be allowed as per Bank’s guidelines.

OTHER ENHANCEMENT : 

OTHER ENHANCEMENT Report enabled for RTGS transactions:- The user can get report of RTGS transaction by invoking menu option ”RTGSRPT” . The following Screen will appear :-

OTHER ENHANCEMENT : 

OTHER ENHANCEMENT Paysys ID :- The user can input ‘RTGS’ in this field Solid :- Input sol_id in this field. MRT file Name :- The user should input the mrt file ‘RTGSGenReport.mrt’ in this field . On pressing F2 in this field this mrt is displayed which can be selected by pressing shift+F4.

OTHER ENHANCEMENT : 

OTHER ENHANCEMENT The user may give input for other fields to filter the report as per his need/requirement. The reports available in earlier version under menu option ’RTGSRPT’ shall now be generated through menu option ’RTGSPNB’

OTHER ENHANCEMENT : 

OTHER ENHANCEMENT FAILURE OF OUTWARD MESSAGES :- - One of the reason for failure of outward messages is that some special character like ! @ # $ % ^ and * is present in message. The name or address is populated in the sender’s name or address from the account of the sender and if these two contain special character the outward message fails. To solve this problem the user need to remove the special characters in name or address field through CUMM.

OTHER ENHANCEMENT : 

OTHER ENHANCEMENT A new menu option ‘IFSCI’ is enabled for all the users where IFSC code is given as input and output given by the system is bank code, branch code, bank name, branch name, address etc.

Slide 29: 

REPORTS

REPORTS FOR RTGS USERS : 

REPORTS FOR RTGS USERS The RTGS user need can access reports by the menu option RTGSPNB. Following reports are available under the RTGSPNB menu option: 1. RTGS - Inward Messages Report 2. RTGS - Inward Message Report [INFOSYS] 3. RTGS - Inward Error Message Report [INFOSYS] 4. RTGS - Outward Messages Report 5. RTGS - Outward Message Report [INFOSYS] 6. RTGS - Outward Error Message Report [INFOSYS]

Slide 31: 

7. Reconciliation File for SFMS 8 Reconciliation File for CBS 9. RTGS - PNB IFSC Codes 10. RTGS - IFSC Codes of All Banks 11. RTGS - SOL Wise Inward Messages 12. RTGS - SOL Wise Outward Messages

RTGS – Inward Messages Report : 

RTGS – Inward Messages Report Has all the inward messages received at the CBS. It has the following fields: UTR NO, MSG DESCRIPTION, IFSC SEND, IFSC RECV, AMOUNT, TIME, DATE This report is generated SOL ID wise. In case of successful messages the Tran Id and timestamp shall be indicated at the end of the messages. This is the id number of transaction automatically created by the CBS. In case of failed messages an error message specifying the cause of failure shall be indicated. There shall be no tran id as the transaction is not created by the CBS

Slide 33: 

PUNJAB NATIONAL BANK ==================== Start Date: 23/12/2004 End Date: 23/12/2004 ------------------------------------------------------------------------------------------------ UTR NO MSG DESCRIPTION IFSC SEND IFSC RECV AMOUNT TIME DATE ------------------------------------------------------------------------------------------------ RTGSR04358000198 R44 RBIN0IFTP00 PUNB0244200 INR0000010000000000,00 10:56:07 23-12-2004 Remarks: /SODBAL/ Tran ID/Error: Debit account number cannot be greater than 16 chars UCBAP04358000010 R42 028--RTGS INTER BANK PAYMENT UCBA0000001 PUNB0244200 INR10945625,00 11:53:59 23-12-2004 Remarks: /URGENT//VALUE/23/12/04//FEX DEAL FOR USD 250000 AT //43.7825 Tran ID/Error: SD1584485

Slide 34: 

UCBAP04358000014 R42 028--RTGS INTER BANK PAYMENT UCBA0000001 PUNB0244200 INR21898750,00 11:59:33 23-12-2004 Remarks: /URGENT//VALUE/23/12/04//DEAL DTD 21/12 USD 500000 AT //43.7975 Tran ID/Error: SD1585769 HDFCP04355000030 R41 RTGS CUST PAY REQ HDFC0999999 PUNB0244200 INR50000000,00 13:07:31 20-12-2004 Remarks: Tran ID/Error: SD1245307 Not a valid credit account number :587 HDFCP04355000029 R41 RTGS CUST PAY REQ HDFC0999999 PUNB0244200 INR150000000,00 13:08:02 20-12-2004 Remarks: Tran ID/Error: SD1245445 Not a valid credit account number :675 {{{(CREDIT TO SUNDRY-RTGS - 0062003171164)}}}

Slide 35: 

CORPH04346000031 R41 CORP0000221 PUNB0006200 INR10000000,00 11:23:40 11-12-2004 Remarks: Tran ID/Error: Could not get Bank/Br combination from Senders IFSC code RESOLUTION (IFSC CODE DOES NOT EXIST IN IFS TABLE , ALSO BRTM TO BE CHECKED - CONTACT TREASURY/DATA CENTRE) KKBKP04348000010 R42 485--RTGS INTER BANK PAYMENT KKBK0000632 PUNB0244200 INR1019142,00 11:42:36 13-12-2004 Remarks: /RECREF/DERIVATIVES DEAL//INT.PAY. IRS.D04S78. Tran ID/Error: Please Refer Infosys Error Log

RTGS - Inward Message Report [INFOSYS] : 

RTGS - Inward Message Report [INFOSYS] This report is the list of all successful messages for which transactions have been created by the CBS. It has the following fields: UTR NO/ TRAN ID, MSG TYPE, DESCRIPTION, SENDER IFSC CODE, DATE AND TIME

RTGS - Inward Error Message Report [INFOSYS] : 

RTGS - Inward Error Message Report [INFOSYS] This report has all the messages that have been received at the CBS but have failed; hence no transaction has been created for them. It has the following fields: UTR NO., FAILURE CAUSE This report is useful to user at PNB Mumbai for tracing error transactions and taking appropriate action.

Slide 38: 

ERRORS ------------------------------------------------------------------------------ UTR NO/TRAN ID/TRAN AMT/BK CODE/BR CODE/IFSC CODE ERROR ------------------------------------------------------------------------------ RTGSR04348000197 Debit account number cannot be greater than 16 chars KKBKP04348000010 019142.00 485 R00632 KKBK0000632 Invalid sort/branch code -------------------------------------------------------------------------------- RESOLUTION (BANK/BRANCH CODE IN BRTI AND BKTI TO BE CHECKED - IF MISSING FOR SENDER IFSC CODE THAN CONTACT DATA CENTRE)

RTGS - Outward Messages Report : 

RTGS - Outward Messages Report This report has all the messages generated by the CBS with their up-to-date status. This message is generated branch sol-id wise: Start Date: End Date: TRAN ID, TRAN DATE,MSG UTR NO,IFSC SEND,IFSC RECV,AMOUNT, STATUS Example: D14 02-12-2004 R41 PUNBH04337000286 PUNB0013100 SBIN0009995 22 PROCESSED R09/R90: [R90 SUCESS Recieved] [R09 Recieved] As shown the message shall show if a SUCCESS/FAILURE R90 has been received from the PI. The report shall also show the receipt of R09 message.

Slide 40: 

PUNJAB NATIONAL BANK ==================== Start Date: 23/12/2004 End Date: 23/12/2004 TRAN ID TRAN DATE MSG UTR NO IFSC SEND IFSC RECV AMOUNT STATUS Sol Id: 006200 ------------------------------------------------------------------------------------------------ D124950 24-12-2004 R42 PUNBH04359000224 PUNB0006200 IBKL0009998 500000000 ENTERED R09/R90: D125636 24-12-2004 R42 PUNBH04359000225 PUNB0006200 SCBL0036001 550000000 READY R09/R90:

Slide 41: 

D123718 24-12-2004 R42 PUNBH04359000223 PUNB0006200 INDB0000098 500000000 TRANSMITTED R09/R90: D123718 24-12-2004 R42 PUNBH04359000223 PUNB0006200 INDB0000098 500000000 PROCESSED R09/R90: [R90 SUCCESS Recieved] D17371 24-12-2004 R42 PUNBH04359000218 PUNB0006200 UTIB0000001 10000000 PROCESSED R09/R90: [R90 SUCCESS Recieved] [R09 SUCCESS Recieved] D177713 24-12-2004 R42 PUNBH04358000204 PUNB0006200 BKDN0999999 500000 FAILED R09/R90: [R90 FAILURE Recieved] D199952 24-12-2004 R42 PUNBH04358000217 PUNB0006200 UTIB0000001 10000000 PROCESSED R09/R90: [R90 SUCCESS Recieved] [R09 FAILURE Recieved] NOTE - R09 does not change the status of RCPR/RIBP. ------------------------------------------------------------------------------------------------

Slide 42: 

RTGS - Outward Message Report [INFOSYS] This reports has all the outward messages generated by the CBS. It has the following fields: Tran Id, Tran Date, UTR no, MsgType, Date, Time RTGS - Outward Error Message Report [INFOSYS] This report has the following fileds: Tran id, Tran date, remarks.

Slide 43: 

Reconciliation File for SFMS can be generated by PNB HOUSE Mumbai. It is to be used for generating report by LAMPS for reconciliation of NON-CBS settlement account on daily basis at PNB HOUSE Mumbai. Reconciliation File for CBS can be generated by PNB HOUSE Mumbai. It is to be used for generating report by LAMPS for reconciliation of CBS settlement account on daily basis at PNB HOUSE Mumbai.

Current Position : 

Current Position Number of Banks participating in RTGS: 94 Total branches under RTGS network: 10532 No. of branches of PNB under RTGS: 1250 ( 1023 CBS branches and 227 Non-CBS branches)