No, 14, such as receiving of all SOs voucher bundles directly from the Sub-Account and HO voucher
bundles from the DPM(SB) and day-to-day segregation of vouchers and preparation of all category
consolidations by downloading from online server of Finacle are being attended by the SBCO branch
as per Directorate orders,
Hence in this regard, it is directed to follow the below instructions scrupulously :
1, The counter PA must write the name of Scheme and TRAN ID on the right hand side of Voucher
in respect of all categories,
2, No transactions will be allowed without voucher, each and every transactions must supported by
relevant voucher and accounted through LOT and finacle consolidation,
3, One deposit slip and one withdrawal slip must be prepared for auto-credit of MIS/SCSS/TD to
Savings and savings withdrawal to RD and should be accounted through LOT and finacle
consolidation,
4, One deposit slip must be prepared for the total of each type of Agent Commission credited into Savings Accounts supported by consolidated list of commission paid,
5, One withdrawal slip must be prepared by APM/SPM for the POSB Cheque clearing amount (based
on the clearing amount intimated to Clearing House) and print out of cheque's image should be attached to it,
6, At the closing of counter hours, all vouchers should be serially arranged by TRAN ID and scheme-
wise by stitched/ sealed intact and each scheme of finacle consolidation should be accounted through
daily account /HO summary by Counter PA and SPM/APM ,
7, The grand total in Finacle Consolidations of each scheme must be tallied with the counter transactions as well as auto-crdit and auto-withdrawal,
8, A consolidation of the each scheme must be generated and print out of hard copies must be attached with the LOT along with the voucher bundle.
9, The APM/SPM must sign the finacle consolidation (scheme-wise) and must write the amount in
words and figures along with number of new deposits, other deposits, A/c closed and other wdl
10, If any manual correction or Reversal adjustment are made in the LOT and Consolidation, it must be supported by relevant voucher and copy of error book by APM/SPM must be attached with the LOT and voucher ( one copy to be attached with the voucher & one copy with the consolidation and another copy to be sent to Divisional Office,
11, The entries in the vouchers are complete and there are no suspicious erasures and alterations and
the date stamp of the office has been affixed on the voucher,
12, At the time of closure, A/C Opening Form(SB-3/AOF) where KYC documents attached will not be transferred to SBCO along with closed voucher, and it should be kept in a guard file in HO/SO itself. But, the APM/SPM must write on the closed vouchers that "SB-3/AOF retained with KYC documents",
13, In case of subsequently opened accounts and not obtained any KYC due to whom KYC documents are available with the other Live A/C, in that case only SB-3 or AOF is to be attached with the closed voucher,
14, In case of Accounts closed at the Post Office other than the one where account was opened, Account Transfer Form (sb-lOb) collected by the Post Office at the time of closure and attached with
the closure voucher,
15, That in case of withdrawal exceeding Rs,5000/- in r/o all schemes, the signature of the depositor on the withdrawal form has been attested by two postal officials except in single handed offices,
16, The Agents and Employers RD bulk lists should be attached with the RD List of Transactions,
17, Where the New A/c Nos opened in r/o all categories, the new A/cs should be invariably underlined in RED INK in the LOT of all categories,
18, Normally Messenger service is not allowed for all Closure, ( Dte Order No 15/2010), When it is
specifically required, the Payment should be made to the messenger only through account payee
cheque drawn in favour of the depositor, after receiving the letter of authorization from the depositor,
19, Necessary certificate should be obtained both on the application and payment order side, while
making payment made to illiterate depositor. Witness should be obtained with full address,
20, Normally, the finacle user should not use back value date while doing transaction. Back value
date should be used only in case of deposits through clearing. If in case, back value date is to be used,
user should write in error book, take permission from next higher authority and copy of error book
should be attached with the voucher and LOT,
21, The BPM should not be accepted cash deposit transaction for more than Rs,25,000/- in any
account in a day,
22, The POSE Cheque for more than Rs,25000/- should not be accepted at other SOLs in a day,
23, The CBS Post Office should not be collected closed Pass Book of any scheme from the customer
and the closed passbook should not be sent to SBCO for checking,
