APPLICATION PROCESSING SYSTEM A UTOMATED HA W K -E Y E T O S C R U T I N I Z E L O A N RE Q U E S T S
MASTERS MANUAL VERSION 3.2
APPLICATION PROCESSING SYSTEM
Masters Manual Version 3.2 Document No.: I099418UM_APS Masters
2004 Nucleus Software Exports Ltd. All rights reserved No part of this document may be reproduced or transmitted in any form or by any means, electronic or otherwise, including photocopying, reprinting, or recording, for any purpose, without the express written permission of Nucleus Software Exports Ltd.
DISCLAIMER Information in this document is subject to change without notice and should not be construed as a commitment on the part of Nucleus Software Exports. Nucleus Software Exports does not assume any responsibility or make any warranty against errors that may appear in this document and disclaims any implied warranty of merchantability or fitness for a particular purpose.
TRADEMARKS The names of all other company, brand, product or service names mentioned herein are the trademarks or registered trademarks of their respective owners. Document No.: I099418UM_APS Masters First Release: September 23, 2004
Nucleus Software Exports Limited A-39, Sector 62 Noida -201307, India. Tel: +91-120-2403964 Fax: +91-120-2403972 E-mail:
[email protected]
Visit us at: http://www.nucleussoftware.com
WARNING This document is not for retail sale.
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PREFACE Purpose of this Document This manual aims to familiarise users of the Application Processing System (APS) with the Masters of the application. APS is a web-based application developed for banks and nonbanking finance companies (NBFC). Masters are the backbone of the APS. The System Administrator can set parameters for different parameter codes. Parameters are the values (or options) you get when you click on any dropdown list. These parameters help you choose the most suitable option to your requirement. These parameters should be set up before starting any other APS operation. Files which store these group of parameters are called Masters. This manual is intended to help the APS users understand the APS Masters and using them by: 1. 2.
Describing the significance of the Masters Giving step-by-step instructions for adding and authorising data
3.
Describing the function of each Master and means of navigation between various screens
4.
Explaining the functions of the buttons that appear on each screen
5.
Familiarising users with the system response to actions performed
Only the System Administrator and the authorised users can perform these tasks.
Intended Audience This document is meant for use by banks and NBFCs, dealing with loans, and senior management of an organisation, who are using the automated Application Processing System (APS). It is important that all users of the APS are well versed with the basic computer fundamentals. It is assumed that the users of this system are aware of the loan and business processes and terminology of the organisation.
Document Set The APS Masters Manual is a part of the document set for using APS. This document set comprises the following two documents: i. APS User Manual ii. APS Masters Manual
Acronyms and Abbreviations Used The acronyms and abbreviations, used in this document, and their explanations are provided in the following table. These are used in many fundamental definitions and explanations in this document, and are specific to the information in this document. Abbreviation
Description
A/c
Account
ADF
Advance Disbursement Flag
APS
Application Processing System
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BIRR
Business IRR
BP
Business Partner
CAM CPU
Credit Approval Memorandum Central Processing Unit
CPV
Contact Point Verification
CSF
Cheque Submission Form
DD
Demand Draft
DDE DM
Detail Data Entry Disbursement Memo
DME
Direct Marketing Executive
DOB
Date of Birth
DRF
Disbursal Request Form
DSA DSR
Direct Selling Agent Debt to Service Ration
EMI
Equated Monthly Instalment
FOIR
Fixed Obligation to Installment Ratio
FI
Field Investigation
HNW IIR
High Net Worth Income to Installment Ratio
IMD
Initial Money Deposit
ITR
Income Tax Return
LOS
Loan Originating system
LAP LMS
Loan Against Property Loan Management System (FinnOne Version)
LoV
List of Values
LTV
Loan to Value
NBFC
Non-Banking Finance Company
MICR MSPR
Magnetic Ink Character Recognition Manufacturer Suggested Retail Price
NADA
National Automobile Dealers Association
NDC
Non-Discrepancy Check
PDC
Post Dated Cheque
PDCMS RC
Post Dated Cheque Management System Registration Copy
RMS
Rate Management System
RIC
Risk Intelligence and Control
QDE
Quick Data entry
OPS TAT
Operations Turn Around Time
TV
Tele Verification
Conventions Used The following table describes the symbols and typographical conventions used in this document. These conventions are used to describe the screen components in text. These will help you locate relevant information easily.
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Screen Component Button
Screen Link Message
Note
Text Format Verdana, Bold font and bordered text is used while referring to the button names in the text. Blue text is used while referring to the screen names. Bold and underlined text is used while referring to the links. All messages are given in the Times New Roman Bold font, 11 pt. The given symbol is used to state information that requires special attention. This is presented in a shaded box to catch attention
Example
Clear. The New Application screen Click on Edit.
Data saved successfully.
•…
Menu Option
Bold text is used for writing menu option names.
On the Main menu, click on Approval.
Field
Bold text is used to write field names.
Enter the Client Name.
Organisation of this Manual This section comprises five chapters and is organized in the following way: Chapter 1, Introduction, describes the Masters concept of the Application Processing System. Chapter 2, Getting Started, explains the system requirements to connect to the APS. Chapter 3, Initiating a User, describes the process for adding a user for the APS Online application. Chapter 4, Using APS Masters, explains the process of adding, viewing, modifying and deleting details in the APS Masters. Chapter 5, Using APS Masters, describes all the Masters used in APS.
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CONTENTS 1. INTRODUCTION.......................................................................................... 1 1.1
Maker-Authoriser Functionality ................................................................ 1
1.2
APS Master Categories ........................................................................... 2
1.3
Screen Elements ................................................................................... 3
1.4
1.3.1
APS Header ................................................................................ 3
1.3.2
APS Toolbar................................................................................ 3
1.3.3
Navigation Pane .......................................................................... 4
1.3.4
Entry/Search Fields...................................................................... 4
1.3.5
Screen Modes ............................................................................. 5
1.3.6
Screen Conventions ..................................................................... 5
Searching Records................................................................................. 5
2. GETTING STARTED ..................................................................................... 7 2.1
Accessing APS Masters ........................................................................... 7
2.2
APS Masters Home Page......................................................................... 8
2.3
APS Masters Main Menu ......................................................................... 9
2.4
Setting up a New User ......................................................................... 11
2.5
Initializing a User Account .................................................................... 11
3. USING APS MASTERS ................................................................................ 13 3.1
Adding a New Record ........................................................................... 13
3.2
Modifying a Record .............................................................................. 16
3.3
Viewing a Record ................................................................................ 17
3.4
Deleting a Record................................................................................ 18
4. APS MASTERS DETAILS ............................................................................. 19 4.1
Security ............................................................................................ 19 4.1.1
Department Setup ..................................................................... 20
4.1.2
Role Master .............................................................................. 23
4.1.3
Company Master ....................................................................... 24
4.1.4
Office Setup ............................................................................. 25
4.1.5
User Setup ............................................................................... 29
4.1.6
User Role Mapping ..................................................................... 33
4.1.7
Holiday Master.......................................................................... 34
4.1.8
Lifestyle Master......................................................................... 35
4.1.9
Security Access Master ............................................................... 36
4.1.10 Master Audit log ........................................................................ 37 4.1.11 Business Date Master................................................................. 37 4.1.12 Security Parameter Master.......................................................... 38 4.2
Common Masters ................................................................................ 39 4.2.1
Asset Category Setup Masters ..................................................... 40
4.2.2
Charge Masters......................................................................... 44 4.2.2.1 Change Code Master......................................................................................................... 44 4.2.2.2 Charge Definition Setup ................................................................................................... 46
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4.2.3
Employer Exposure Limit Master .................................................. 48
4.2.4
Entities Masters......................................................................... 50 4.2.4.1 Agency Setup Master........................................................................................................ 50 4.2.4.2 Architect Setup Master..................................................................................................... 51 4.2.4.3 Builder Setup Master......................................................................................................... 55 4.2.4.4 Company Setup Master..................................................................................................... 58 4.2.4.5 DSA Setup Masters ........................................................................................................... 59 4.2.4.6 Employer Setup.................................................................................................................. 64 4.2.4.7 Group Setup Master........................................................................................................... 66 4.2.4.8 Industry Master.................................................................................................................. 67 4.2.4.9 Insurance Company Setup................................................................................................ 68 4.2.4.10 The Introducer Master....................................................................................................... 71 4.2.4.11 Lawyer Setup...................................................................................................................... 71 4.2.4.12 Manufacturer Master......................................................................................................... 75 4.2.4.13 Marketing Officer Setup................................................................................................... 76 4.2.4.14 Rate/Risk/FLG Setup ........................................................................................................ 79 4.2.4.15 RBI Master.......................................................................................................................... 81 4.2.4.16 RTO Master ........................................................................................................................ 81 4.2.4.17 Super Group Master.......................................................................................................... 83 4.2.4.18 Supplier Setup .................................................................................................................... 84
4.2.5
External Institutes Master........................................................... 88 4.2.5.1 Bank Master........................................................................................................................ 88 4.2.5.2 Institute Setup..................................................................................................................... 89
4.2.6
PDC ........................................................................................ 93 4.2.6.1 PDC Bank Master.............................................................................................................. 93 4.2.6.2 PDC Bank Branch Master................................................................................................ 93 4.2.6.3 PDC City Master................................................................................................................ 95 4.2.6.4 Clearing House Master..................................................................................................... 95
4.2.7
Loan Norms Master.................................................................... 97
4.2.8
General Parameter Master........................................................... 98
4.2.9
General Parameter Master........................................................... 99
4.2.10 Template Master ......................................................................100 4.2.11 Miscellaneous Masters ...............................................................101 4.2.11.1 Building Master................................................................................................................101 4.2.11.2 Billing Master...................................................................................................................103 4.2.11.3 City Details Master..........................................................................................................104 4.2.11.4 Constitution Master.........................................................................................................104 4.2.11.5 Country Master.................................................................................................................105 4.2.11.6 Currency Rate Type Master...........................................................................................106 4.2.11.7 Currency Setup.................................................................................................................107 4.2.11.8 Customer Category Master.............................................................................................109 4.2.11.9 District Master..................................................................................................................110 4.2.11.10 Interest Rate Detail Master...........................................................................................111 4.2.11.11 IRR Charges Master......................................................................................................113 4.2.11.12 PLR Charges Master......................................................................................................113 4.2.11.13 PLR Charge Detail Setup..............................................................................................114 4.2.11.14 Property Master..............................................................................................................117 4.2.11.15 Region Master.................................................................................................................118 4.2.11.16 State Master.....................................................................................................................119 4.2.11.17 Building Wing Details Master.....................................................................................120 4.2.11.18 Zip Code Master.............................................................................................................122 4.2.11.19 Public Rating Master.....................................................................................................123 4.2.11.20 Referral Master...............................................................................................................124 4.2.11.21 Source Code Master.......................................................................................................126 © Nucleus Software Exports Ltd.
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4.2.11.22 Trade Customer Master.................................................................................................128 4.3
4.4
4.5
4.6
4.7
4.8
4.9
Field Verification Masters .....................................................................129 4.3.1
FI Agent Master .......................................................................129
4.3.2
Agency Setup ..........................................................................130
4.3.3
FI Type Master.........................................................................134
4.3.4
FI Agency Product Branch Mapping Master ....................................135
4.3.5
Technical Verification Master ......................................................136
Processes Masters ..............................................................................137 4.4.1
Policy Master ...........................................................................137
4.4.2
Score Master ...........................................................................140
4.4.3
Fuzzy Detail Master...................................................................143
4.4.4
Underwriter Question Setup Master .............................................144
Rule Engine Masters ...........................................................................146 4.5.1
Parameter Master .....................................................................147
4.5.2
Condition Master ......................................................................148
4.5.3
Rule Master .............................................................................149
Documents Masters ............................................................................150 4.6.1
Document Header Master...........................................................150
4.6.2
Document Master .....................................................................151
Deduping Masters ..............................................................................152 4.7.1
Fraud Database Setup Master .....................................................152
4.7.2
Dedupe Parameter Master..........................................................156
4.7.3
Dedupe Weights Master.............................................................157
4.7.4
Dedupe Dictionary Master..........................................................157
4.7.5
Dedupe Check Master Setup.......................................................158
Workflow Masters ...............................................................................160 4.8.1
Activity Master .........................................................................161
4.8.2
Queue Master setup..................................................................163
4.8.3
Escalation Master Setup.............................................................165
4.8.4
Deviation Master Setup .............................................................167
4.8.5
Workflow Master Setup..............................................................169
Product and Scheme Masters ...............................................................173 4.9.1
Product Category Setup.............................................................174
4.9.2
Product Setup ..........................................................................175
4.9.3
Scheme Group .........................................................................181
4.9.4
Scheme Masters.......................................................................184
4.9.5
Promotion Masters....................................................................194
GLOSSARY ................................................................................................. 205
Total number of pages: 223 (including the Cover and Contents pages)
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1 Introduction Application Processing System (APS) allows the System Administrator to set parameters for different parameter codes. Parameters are the values (or options) you get when you click on any dropdown list. These parameters help you choose the most suitable option to your requirement. These parameters should be set up before starting any other APS operation. Files where these group of parameters are stores are called Masters. The Masters are the backbone of the APS. These are used to add all the basic details required to initiate a transaction. Adding these details is like setting up parameters so that users need not enter the same information again and again. Using these pre-defined parameters reduces processing time and increases uniformity in the system tasks. These details need to be added only once before starting the various APS processes, or whenever you need any modification to the added information. Only System Administrators and the authorised users can add, modify or remove these parameters. These details are used in almost all the processes of the APS. This basic information must be recorded with utmost precision ,as it will save a lot of effort and time later when critical and competitive business functions are carried out. Correctly created Masters also speed up the day-to-day functioning, and standardise the processes as the system allows users to perform only those tasks and use only those entities which are defined in the Masters.
1.1 Maker-Authoriser Functionality The Master entries can be described as one-time creation of data that has to be referred to frequently. Thus, the Master entries have to be unique, clear and unambiguous. FinnOne works on the principle of Maker-Author (or Maker-Checker). This means a new record is first made (or created) and then authorised before it is added to the main Master list. The maker and checker must be separate users. The functionality of the Maker-Checker facility for the various Masters of the APS is explained in this section. When you click on any Master, two options are presented – Maker and Author (for Authorizer), as shown in the following figure.
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Figure 1-1: Maker, Author Options Click on Maker to create, modify or delete a record, or to search for a particular record. Select and click on Author to check and authorise a new or modified entry to the Masters.
1.2 APS Master Categories According to the functions and tasks they define, and the type of information recorded, the APS Masters can be divided in the following categories, as shown in the table below. Category
Masters
File
This menu option includes Masters for creating a new user account
Security
This option involves all the functions related to company information, user profile, user role, and access control This includes Masters on the norms and standards to be followed while processing a loan application This option includes Masters to set up parameters for verifying the applicant’s contact details by an external agent This involve all the policies and score calculators which are used for underwriting a loan These Masters define the various parameters, rules and conditions to govern the various activities of the processing operation These Masters help you set up the list of documents that may be required from different types of applicants under different conditions. These Masters define the various parameters and databases to check if the application under consideration duplicates any earlier application details These Masters help you define the workflow of the processing operation, activities associated with each stage, and when and why escalations and deviations can be applied These Masters define the categories of the products for which loan is applied, and the various promotion plans and scheme applicable from time to time This menu option lists all the windows that are currently open
Common Field Verification Processes Rule Engine Documents Deduping Workflow
Product and Scheme
Windows
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1.3 Screen Elements APS Masters component allows you to create, authorise and save parameter values for the given Masters. You can also delete or modify an existing value. Any modification must also be authorised before it is added to the system. In addition you can also add a new Master file to any set of Masters, as required. These tasks are performed using the Maker and Author screens of the systems. Some of the common elements that are present in all the screens of the system are the header, which shows the basic information of the user operating the system, and the APS Toolbar, which contains a few buttons to perform the various tasks. APS Menu Screen Name APS Header Screen Mode User Details
Entry/ Search Fields
Grid
APS Toolbar Navigation Pane
Figure 1-2: The APS Screen Elements
1.3.1
APS Header
After you log in to APS, all the screens of the system display a header, which contains the following user information: •
Date: The current date in the dd/mm/yyyy format
•
User Id: Login Id of the user who has logged in to the system
•
Branch: Name of the branch where the user is located.
1.3.2
APS Toolbar
This toolbar is present at the bottom of each screen and contains all the 10 buttons. The buttons appear enabled or disabled depending on the user role and screen functionality. © Nucleus Software Exports Ltd.
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Figure 1-3: The APS Toolbar
The following table describes the function of each of these buttons. S. No.
Button
Name
Description
1.
Save
Click on this icon to save the record whose details have been entered or modified
2.
Clear
Click on this icon to remove the entered details from all the fields
3.
Insert
Click on this icon to add a new record to the system
4.
Modify
Click on this icon to modify an existing record
5.
Delete
Click on this icon to delete an existing record
6.
Previous
7.
Next
8.
Search
Click on this icon to move to search for a record in the system
9.
Cancel
Click on this icon to
10.
Exit
1.3.3
Click on this icon to move to the previous record in the table Click on this icon to move to the next record in the table
Click on this icon to close the window and exit from the system
Navigation Pane
The navigation pane is located at the left side of the screen. It displays all the Masters of the selected category.
1.3.4
Entry/Search Fields
On the right of the navigation pane are some related entry fields for the selected APS allows you to search for data for certain fields if you do not have the complete information, or do not want to fill all the details. This saves keystrokes and time, and ensures correct information. You can use these search criteria when you want to find the details of one or more particular details. Give one or more parameters for search and the system displays all records matching with the given criteria in a grid below the entry fields. When you select the required row, its details are displayed in the search fields.
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Screen Modes
On the basis of the user roles, the Master screens are displayed in any of the following modes: a. Insert Mode: You can add data in the fields and save records to the system when the screen is displayed in the Insert mode. A screen is displayed in the Insert mode when you click on the Insert button. b. Edit Mode: You can modify any existing data when the screen is displayed in the Edit mode. A screen is displayed in the Edit mode when you click on the Edit button. c.
View Mode: You can only view the details on the screen when it is displayed in the View Mode. You cannot add or modify records in this mode.
The current mode of the screen is always displayed on the right corner above the entry fields. You can go from one mode to another by clicking on the appropriate button. However, only authorised users can go to a particular mode of the selected Master, depending upon their role and information need.
1.3.6
Screen Convent ions
The following conventions have been used in all the screens of the system: •
Fields marked with an asterisk ( * ) are mandatory. This has also been mentioned on all the screens.
•
APS does not allow you to save a screen or move to the next screen without entering data in the mandatory fields on the screen. If you attempt to do so, an error message is displayed, specifying the fields for which data needs to be entered.
1.4 Searching Records APS allows you to search for any record in the database if you have only partial information about the required record. You can also use the Search function of APS if you do not want to fill all the details of the record. When you search for a record on the basis of one or more search criteria, the system generates details for all the other fields as well.
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To use search criteria: 1.
On any of the APS search screens, enter one or more search criteria and click on Search . The list of all the records matching with the given search criteria is displayed.
2.
Scroll up and down to find the required data. In some cases, details of the selected Application Id are displayed in the search fields. When you use one or more search criteria to find the required Application Id, the matching results are displayed in a grid below the ent ry fields. The grid consists of a column for each search criterion.
• •
The results are displayed in the descending order of the Application Ids, with the latest application displayed at the top. However, you can sort the data in any other order you want. You can sort the displayed data in the following ways: a. Clicking on a column heading sorts the rows according to that column, and reverses the order displayed. b. Clicking on that column heading again reverses the order of the data.
• When you select any row in the grid, its details are displayed in the entry fields.
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2 Getting Started APS Masters is a web-based component of APS. You can access it using the web browser Internet Explorer 5 or higher. APS Masters can be accessed and used only by the authorised users. The System Administrator assigns a unique User Id and password to each user for preventing unauthorised access to the system.
2.1 Accessing APS Masters You are required to use the User Id and password to log on to the system each time you need to access it. APS uses this Id and password to identify you when you are connecting to the system. The password-protected User Id is important to ensure security of the data in the system. To login to APS Masters: 1.
Access Internet Explorer and enter the url specified by the System Administrator. The APS Welcome screen is displayed.
Figure 2-1: The APS Welcome screen The following message is flashing on the screen: Please press any key to continue. © Nucleus Software
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2.
Press any key. The APS Masters Login screen is displayed.
3.
Enter your User Id and Password, select your branch, and click on OK . Language is set to English by default for this version of APS.
• Passwords are case-sensitive. On providing the correct User Id, Password, and branch, the following welcome message is displayed. Welcome <User Name>. You Last Logged on:
• In case you have entered incorrect User Id or password, either of the following messages is displayed:
Invalid UserID or Password or User ID does not exist Correct the User Id or retype the password. You are required to change your password after a specified period, as set by the System Administrator. To change your password, click File à Change Password and set the new password.
2.2 APS Masters Home Page When you successfully login to the system, the APS Masters Home Page is displayed. The Home Page contains navigations links to go to the other screens of the system. The Home Page displays the following information: i. Current Date in the dd/mm/yyyy format ii. User Id of the connected user iii. Branch office from where user is connected iv. The Main Menu
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Figure 2-2: The APS Home Page
2.3 APS Masters Main Menu The Main Menu of the APS comprises various categories of Masters required for the system. The following figure shows the APS Masters Main Menu. You can click on the required option to view the list of Masters in that category.
Figure 2-3: The APS Masters Main Menu The following table describes these menu options: Menu
Description
File
This menu option includes Masters for creating a new user account
Security
This option involves all the functions related to company information, user profile, user role, and access control
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Menu Options
d. e. a. b. c. d. e. f. g. h. i. j. k. l.
Change password Initiate user Department Setup Role Master Company Office Setup User Setup User-Role Mapping Holiday Master Lifestyle Master Security Access Master Audit Log Business Date Security Parameter Page 9
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Common
This includes Masters on the norms and standards to be followed while processing a loan application
Field Verification
This option includes Masters to set up parameters for verifying the applicant’s contact details by an external agent
Processes
This involve all the policies and score calculators which are used for underwriting a loan
Rule Engine
These Masters define the various parameters, rules and conditions to govern the various activities of the processing operation These Masters help you set up the list of documents that may be required from different types of applicants under different conditions. These Masters define the various parameters and databases to check if the application under consideration duplicates any earlier application details
Documents
Deduping
Workflow
These Masters help you define the workflow of the processing operation, activities associated with each stage, and when and why escalations and deviations can be applied
Product and Scheme
These Masters define the categories of the products for which loan is applied, and the various promotion plans and scheme applicable from time to time
Windows
This menu option lists all the windows that are currently open
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a. b. c. d. e. f. g. h.
Asset Category Setup Charge Employer Exposure Limit Entities External Institutes PDC Loan Norns General Parameter Master – LMS i. General Parameter Master – GCD j. Template Master k. Miscellaneous a. FI Agent b. Agency Setup c. FI Type Master d. FI Agency Product Branch Mapping e. Technical Verification a. Policy Master b. Score Master c. Fuzzy Detail d. Underwriter Question Setup a. Parameter b. Condition c. Rule a. Document Header b. Document Master c. d. e. f. g. a. b. c. d. e. a. b. c. d. e.
Fraud Database Setup Dedupe Parameter Dedupe Weights Dedupe Dictionary Dedupe Check Master Setup Activity Master Queue Master Setup Escalation Master Setup Deviation Master Setup Workflow Master Setup Product category Product Scheme Group Scheme Promotion -
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2.4 Setting up a New User You can set up a new user by using the User Setup Master (See Section 4.1.5 User Setup Masters). However, before setting up a new user, you need to add details in the Department, Role, Company and Office Masters, so that you can define a user with the appropriate details. Only the System Administartor and authorised users can set up a new user.
2.5 Initializing a User Account If a user account gets locked, or a user forgets the password, you can initialise the user account. APS has a special PIN Mailer facility, by which the new password is sent to the user printer. To initializea user account: 1.
On the Main Menu, click on File > Initialize User. The Initialize screen is displayed.
Figure 2-4: The Initialize screen 2.
Seelct the User Id which you want to initialize from the User ID dropdown list.
3.
Select one or both of the following check boxes, as required: a. Initialize Connection: To Initialize a locked user account b. Initialize Password: Initialize a password The system displays a confirmation message and in case of a new password, sends the new password to the user printer.
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3 Using APS Masters APS allows you to add, maintain and remove parameters for any Master. Each entry that is added to the system or modified needs to be authorised. Maker of an entry should be different from the person authorising it. This section gives detailed instructions for adding, modifying, authorising, viewing and deleting any record in the system. These tasks are common throughout the system. Therefore, follow these steps for maintaining all the Masters. The details of the various Masters are provided in the subsequent sections.
• Only the System Administrator and the Global Users are authorised to add, maintain or authorise a record.
3.1 Adding a New Record You can create a new record and add its details in the system. To create a new records: 1.
On the Main Menu, click on the required Menu option, select the required Master, and click on Maker. For example, click on Processes > Policy Master > Maker. The selected Master screen is displayed, showing the sub-options in the Navigation Pane, a message in the right pane to select the required sub-option.
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Figure 3-1: The Policy Master screen showing the sub-options 2.
In the Navigation Pane, click on the required sub-option. A blank screen for the selected Master is displayed if there is no record in that Master. Otherwise, the screen is displayed in the View mode, displaying a list of all the records in the Master. The system populates the entry fields with the details of the record last saved in the system. In that case, click on the Insert icon. A blank Master screen is displayed.
Figure 3-2: The Policy Master screen (View mode) 3.
Enter details in the required fields.
•
Some of the fields, like Maker Id and Date, Author Id and Date, and Status of the record are disabled as the system auto-generates this information when you save the data.
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Click on the Save icon or press F9. The system saves the record and displays the following message: saved successfully. The search fields are cleared and the record is added to the grid, with status as Inserted.
Figure 3-3: The Policy Master (Record added to the grid)Authorising a Record Every record that is inserted in to the system needs to be authorised. You can modify records with Inserted or Modified status. To authorise a record: 1.
On the Main Menu, click on the required Menu option, select the required Master, and click on Author. For example, click on Processes > Policy Master > Author. The selected Master screen is displayed, showing the sub-options in the Navigation Pane, a message in the right pane to select the required sub-option.
2.
In the Navigation Pane, click on the required sub-option. The Master screen is displayed in the Author mode, displaying a list of only those records in the Master that need to be authorised. The details of the record last saved in the system are displayed in the entry fields.
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Figure 3-4: The Policy Master screen (Author mode) 3.
To search for the required record, do one of the following: a. Use the Next/Previous icon to scroll down the table, if required. b. Click on the Search icon. The Search screen is displayed. Enter one or more search criteria to find the required record and click on the View icon. The required record is selected in the grid and its details are displayed in the entry fields.
4.
Review the details and click one of the following buttons: •
Approve: (or press F2) To authorise the record. A dialog box is displayed seeking your confirmation to approve the record. On clicking Yes, the record is approved and its status in the grid changes to Authorised.
•
Reject: (or press F3) To reject the record.
A dialog box is displayed seeking your confirmation to reject the record. On clicking Yes, the record is rejected and its details are removed from the grid and entry fields.
3.2 Modifying a Record You can modify only the description of any record in the system. However, you can modify only those records, which have not been authorised yet. That means, you can change details of the records with status Inserted. Once a record is authorised, you cannot modify its details. To modify a record: 1.
On the Main Menu, click on the required Menu option, select the required Master, and click on Maker. For example, click on Processes > Policy Master > Maker. The selected Master screen is displayed, showing the sub-options in the Navigation Pane, a message in the right pane to select the required sub-option.
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In the Navigation Pane, click on the required sub-option. The Master screen is displayed in the View mode, displaying a list of all the records in the Master. The details of the record last saved in the system are displayed in the entry fields.
3.
To search for the required record, do one of the following: a. Use the Next/Previous icon to scroll down the table, if required. b.
Click on the Search icon. The Search screen is displayed. Enter one or more search criteria to find the required record and click on the View icon.
The required record is selected in the grid and its details are displayed in the entry fields. 4.
Click on the Modify icon. The Master screen is displayed in the Modify mode, and the Description field (which you can modify) is selected. All the other fields are disabled.
5.
Make the required modifications, and click on the Save icon or press F9. The system saves the modified record and displays the following message: <Master Name> successfully. For record with Inserted status, the modified details are displayed in the grid. For records with Authorised status, a new row is added to the grid, showing the record with status as Modified.
•
If you click the Modify icon for an authorised record that also exists in the modified status, the system displays an error message: A similar record exists in the maker area. Make changes in the record with Modified status.
3.3 Viewing a Record You can view all the records in the Master. The system also gives you an option to view all the records, only the authorised records and only the unauthorised records (with Inserted and Modified) status. To view a record: 1.
On the Main Menu, click on the required Menu option, select the required Master, and click on Maker. For example, click on Processes > Policy Master > Maker. The selected Master screen is displayed, showing the sub-options in the Navigation Pane, a message in the right pane to select the required sub-option.
2.
In the Navigation Pane, click on the required sub-option. The Master screen is displayed in the View mode, displaying a list of all the records in the Master. The details of the record last saved in the system are displayed in the entry fields.
3.
Select one of the following options: •
Authorised: To view the list of authorised records in the Master
•
Unauthorised: To view the list of records which have not been authorised yet
•
Both: To view list of all the records in the Master
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Use the Next and Previous icons to scroll up and down the grid. Details of the selected record are displayed in the entry fields.
3.4 Deleting a Record You can delete an existing record in any of the Masters in the system, if required. You cannot delete the records that have child files attributed to them. To view a record: 1.
On the Main Menu, click on the required Menu option, select the required Master, and click on Maker. For example, click on Processes > Policy Master > Maker. The selected Master screen is displayed, showing the sub-options in the Navigation Pane, a message in the right pane to select the required sub-option.
2.
In the Navigation Pane, click on the required sub-option. The Master screen is displayed in the View mode, displaying a list of all the records in the Master. The details of the record last saved in the system are displayed in the entry fields.
3.
To search the record you want to delete, do one of the following: a. Use the Next/Previous icon to scroll down the table, if required. b. Click on the Search icon. The Search screen is displayed. Enter one or more search criteria to find the required record and click on the View icon. The required record is selected in the grid and its details are displayed in the entry fields.
4.
Click on the Delete icon.
5.
A confirmation message is displayed. On clicking Yes, the records are removed from the grid and entry fields on the Master screen and the system displays the following message: <Master Name> deleted successfully.
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4 APS Masters Details As described in the beginning of this manual, APS uses various categories of Masters required for the system. You can click on the required option to view the list of Masters in that category. On selecting a Master, a list of sub-Masters is displayed, if any. Figure 3-1 shows how to select the required Master in the Maker or Author option.
Figure 4-1: Selecting the required Master
All the APS Masters and their details are described in the following sections.
4.1 Security Masters in this category involve all the details related to company information, user profile, user role, and access control on the basis of user level. There are 12 Masters in this category as shown in Figure 3-2. These are described below.
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Figure 4-2: The Security Masters
4.1.1
Department Setup
These Masters help you set up the various departments of the bank which will be involved in the various stages of loan application processing. This Master option has two sub-Masters – Department Setup and Address Setup Masters. You cannot add details of the department without entering its address information. Therefore, to add a new department to the system, you need to enter its contact details also. If you try to save the details of a new department without adding its details in the (Department) Address Setup Master, an error message is displayed. a. Department Setup Master This Master records the details for setting up a department in the system.
Figure 4-3: The Department Setup Master screen
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The following table describes the details that need to be recorded in this Master. Field
Description
Department Code Dept. name
Code of the department of the bank
Department Type
Select the department type from the dropdown list. The list displays the options specified by the System Administrator Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) form at. The current status of the record. The status can be Inserted, Modified or Authorised.
Complete name of the department
Maker Id Maker Date
Status
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
Author Date
Remarks Once added, it cannot be modified Once added, it cannot be modified -
The system generates this information when the record is added
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
b. (Department) Address Setup Master This Master records the contact details of the department added to the system.
Figure 4-4: The (Department) Address Setup Master screen
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The following table describes the details that need to be recorded in this Master. Field
Description
Remarks
Contact Person
Name of the contact person for the department
-
BP Id
Identification code of the business partner. The business partner may be a dealer, broker or DSA. Address of the contact person
This is generated by the system -
Address Type
The type of the address, as required, such as residence, office, and permanent.
Country
The country where the contact person is located
You can add various types of addresses for a person, such as residential, office, and permanent. -
State City
The state where the contact person is located The city where the contact person is located
-
STD/ISD
ISD or area code of the phone where the concerned person can be contacted Zip code for the address Phone number where the concerned person can be contacted Alternative phone number where the concerned person can be contacted Number on which messages can be faxed to the concerned person Mobile number of the concerned person, if any
-
E-mail Id where messages can be mailed to the concerned person, if available Number where messages can be sent to the concerned number by telex Pager number, if any, on which the concerned person can be reached Duration in years and months for which the concerned person is living at the present address Checked option box means the given address type can be used as the mailing address
-
Address
Zip Code Phone 1 Phone 2 FAX Mobile E-Mail TELEX Pager Year at This Address Mailing Address
Inactive
A selected check box indicates that the given address type is no longer applicable
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
Maker Date
Status
Author Id
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Id of the user who has authorised the record in the system
-
One of the address type of the person must be selected as the mailing address With this functionality, you do not need to delete an inactive address The system generates this information when the record is added
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
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4.1.2
Masters Manual, V 3.2 Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
the record is authorised
Role Master
This Master deals with creating a role for the user. APS displays information on the basis of user level. In APS, all the users are not authorised to access all the screens and perform all the tasks. Assigning a user level also authorises a user to perform certain tasks using the APS. The Role Setup Master screen is used to define user levels and giving them access rights.
Figure 4-5: The Role Setup Master screen
The following table describes the details that define the user roles in the Role Master. Field
Description
Remarks
Role ID
The Id assigned to the role
Role Level
The level assigned to the role
Role Description
Description of the role
Role Status
Current status of the role. The dropdown list displays the possible status for the role -- Active (A) or inactive (I).
Rule
The identification code of the rule applicable to the role, as specified by the System Administrator If Yes (Y), the selected role is authorised to handle any deviation to the policies and scoring. If No (N), the role cannot approve deviation from the pre-set policies of the company.
Handle Deviation Flag
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Once added, it cannot be modified Once added, it cannot be modified This is displayed when you select a role in the APS online system A user status can be made active or inactive in the system, as required -
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The category of the loan, along with the product Id. The dropdown list displays all the categories -- Auto Loan (Auto), Home Loan (Home), and Personal Loan (Pers). Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
Maker Id Maker Date
Status
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
Author Date
4.1.3
Masters Manual, V 3.2 Some roles are applicable only for certain loan products The system generates this information when the record is added
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Company Master
This Master deals with the details of the company, such as the name, address and contact details of the company. APS displays this information while adding details for corporate applicant or guarantor, or the employment details of an individual applicant or guarantor, whenever required.
Figure 4-6: The Company Master screen
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The following table describes the details that need to be recorded in the Company Master. Field
Description
Remarks
Company Code
The Id assigned to the company
-
Company Name Address 1
The complete name of the company First line of the address of the company
-
Address 2 Country
Second line the address of the company Country where the company is located. This is part of the company’s address. The dropdown list shows all the countries specified by the System Administrator State where the company is located. This is part of the company’s address. The dropdown list shows all the states in the selected country, as specified by the System Administrator City where the company is located. This is part of the company’s address. The dropdown list shows call the cities in the selected state, as specified by the System Administrator Zip code of the company’s location. This is part of the company’s address. The dropdown list shows call the zip codes in the selected city, specified by the System Administrator The phone number where call to the company can be made The second or alternative phone number where call to the company can be made The fax number where communication can be faxed to the company Name of the employee of the company who is authorised to sign documents and checks on behalf of the company E-mail id to send information to the company url of the company’s web-site, if any
-
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
State
City
Zip Code
Phone Number 1 Phone Number 2 FAX Signatory Authority
E-Mail URL Maker Id Maker Date
Status
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
Author Date
4.1.4
-
-
-
-
-
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Office Setup
This Master option has two sub options – Office Setup and Address Setup. You cannot add details of the office without entering its address information. Therefore, to add a new office to the system, you need to enter its contact details also. If you try to save the details of a new © Nucleus Software Exports Ltd.
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office without adding its details in the (Office) Address Setup Master, an error message is displayed. a. The Office Setup Master This Master allows you to add details of the office, where the user the based. This record helps APS generate loan details for a particular branch, office level or region.
Figure 4-7: The Office Setup Master screen
The following table describes the details that need to be recorded in Office Setup Master. Field
Description
Office Code
The Id assigned by the system to the office or company
Office Name
The complete name of the office
Company
The name of the associated company, as entered into the system Type of the office and its code. The dropdown list displays all the office types, like Area Office (AO), Branch Office (CO), Head Office (HO), Regional Office (RO), State Office (SO), Sub-Branch Office (B), and Zonal Office (ZO) Name of the main office
Office Type
Parent Office Signatory Authority
Branch Code
Name of the employee of the company who is authorised to sign documents and checks on behalf of the company Region where the office is located. The dropdown list shows all the applicable regions and their codes, like Central (100011), East (100009), North (100007), South (100008) and West (100010) Code assigned to the branch
Maker Id
Id of the user who has added the record in the system
Region
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Remarks This is generated by the system -
-
-
The system generates this
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Status
Author Id Author Date
Masters Manual, V 3.2 generates this information when the record is added
Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
a. (Office) Address Setup Master This Master records the contact details of the office added to the system.
Figure 4-8: The Office Address Setup Master screen
The following table describes the details that need to be recorded in the (Office) Address Setup Master. Field
Description
Remarks
Contact Person
Name of the contact person at the office
-
BP Id
The identification code assigned to the business partner The address of the office for adding details of the corporate applicant or guarantor, or the employment details of the applicant or guarantor
This is generated by the system You have for line to enter the address. You need not add details on the State, Country and Zip Code
Address
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Masters Manual, V 3.2 Type of the office and its code. The dropdown list displays all the office types, like Area Office (AO), Branch Office (CO), Head Office (HO), Regional Office (RO), State Office (SO), SubBranch Office (B), and Zonal Office (ZO) Name of the country where the company is located
-
Name of the state in the selected country where the company is located Name of the city in the selected state where the company is located The STD or ISD code to be used for the given phone number Zip code of the company’s location. This is part of the company’s address. The dropdown list shows call the zip codes in the selected city The phone number where call to the company can be made The second or alternative phone number where call to the company can be made The fax number where communication can be faxed to the company
-
Mobile phone number of the contact person for the company E-mail id where communication to the office/contact person can be sent. The telex number where communication can be sent to the company Pager number where any information to the company can be sent Number of years for which the company is located at the given address. What about months? Checked option box means the given address type can be used as the mailing address
-
Inactive
A selected check box indicates that the given address is no more applicable
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
With this functionality, you do not need to delete an inactive address The system generates this information when the record is added
Country State City STD / ISD Zip Code
Phone 1 Phone 2 FAX Mobile E-Mail TELEX Pager Year at This Address
Mailing Address
Maker Date
Status
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-
-
-
-
One of the given address types must be selected as the mailing address. If none of the addresses is selected as the mailing address, the system will display an error message while saving the details
The system generates this information when the record is added/ modified or authorised
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Author Id
Id of the user who has authorised the record in the system
Author Date
Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
4.1.5
The system generates this information when the record is authorised
User Setup
This Master has three sub-Masters – User Setup and Address Setup and Login Day Masters. The User Setup Master helps you add new users to the system, and assign them user Ids. From the Login Day Master, you can grant access rights to the user for any particular day and time. Details of the user without entering the address information. Therefore, to add a new user to the system, you need to enter the user’s contact details. If you try to save the details of a new user without adding details in the (User Office) Address Setup Master, an error message is displayed. a. User Setup Master This Master allows you to add details of the APS users (employees of the company who are using APS). This one-time entry in APS helps use user level for adding, approving or rejecting loan details. APS can also be used for generating user-wise reports.
Figure 4-9: The User Setup Master screen
The following table describes the details that need to be recorded in the (Office) Address Setup Master. Field
Description
User ID
The Id assigned to the user
Department
The internal department to which the user belongs. The dropdown list displays all the departments of the company, as entered in the Department Setup Master
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Remarks The Id is created by the System Administrator -
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Name
Complete name of the user
-
BP Type
The type of the business partner of which the user department is a part. The dropdown list displays all the BP types and their Type Codes used by the APS – Agency, Architect, Accountant, Borrow Institution, Broker and Builder Master. The Id assigned to the selected BP Type. The dropdown list displays all the Ids defined in the APS.
These parameters are defined by the System Administrator
BP ID
Supervisor
The name of the person to whom the user is reporting. The dropdown list displays names of the employees at the supervisor’s role in the company
These Ids are pre-set by the System Administrator These names are set by the System Administrator
User Status
The current status of the user. The options are:
-
• Active • Inactive User Enabled Office Name
Password Initialize Sanction Limit Rule
Last Login Date
Pwd Change Date
E – Mail Product
Maker Id Maker Date
Status
Author Id Author Date
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To indicate if the user is authorised to perform the department tasks Name of the branch office where the user is located. The dropdown list displays names of all the branch offices of the company. This checkbox Indicates if the user password has been initialised The Rule ID and description of the rule that the user is required to make use of which entering, approving or deleting a loan application. The dropdown list displays all the rules applicable to the user’s role level. The date and time when the user had last logged in to the system. This is auto-generated by the system in the dd/mm/yyyy hh:mm:ss format The date and time when the user last changed the password to access APS. This is auto-generated by the system in the dd/mm/yyyy hh:mm:ss format The e-mail id of the user where system can send messages to the user The category of the loan, along with the product Id. The dropdown list displays all the categories -- Auto Loan (Auto), Home Loan (Home), and Personal Loan (Pers). Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The default option is Yes. -
By default, this checkbox is checked. -
-
The users are required to change their password after a stipulated period -
The system generates this information when the record is added The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
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b. (User) Address Setup This Master allows you to add contact details of the selected user.
Figure 4-10: The User Address Setup screen
The following table describes the details that need to be recorded in the Login Day Master. Field
Description
Remarks
Contact person
The name of the contact person
-
BP Id Address
The Bp Id of the person The address of the inspector
-
Address Type
The type of the address
-
Country
The country of residence.
-
State
The state of residence
-
City STD/ISD
The city of residence The STD/ISD code
-
Zip code
The zip code of the residence
-
Phone 1
The first phone number
-
Phone 2
The second phone, in case available
-
FAX Mobile
The FAX number The mobile number, in case available
-
E-mail
The Email Id of the person.
-
TELEX
The TELEX
-
Pager
The pager number, in case available.
-
Years at this address
The number of years the person has resided in this address Checked option box means the given address type can be used as the mailing address
-
Mailing address
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Checked option box means the
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box means the given address type can be used as the mailing address
Inactive
A selected check box indicates that the given address is no more applicable
With this functionality, you do not need to delete an inactive address
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Maker Date
Author Date
c.
The Login Day Master
The Login Day Master allows you to grant access rights to the user for the required day and time. By default, all users are granted access right from Monday 00:00 hrs to Saturday 25:59 hrs. You cannot add details of the login day rights without setting up the user
Figure 4-11: The Login Day Master screen
The following table describes the details that need to be recorded in the Login Day Master. Field
Description
User ID
Displays the Id assigned to the selected user
Login Start Time
The beginning of the period in the hh:mm format when the user can start login on a given day
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Remarks This is generated by the system -
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Login End Time Maker Id Maker Date
The end of the period in the hh:mm format after which the selected user cannot start login on a given day Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
Status
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
Author Date
The system generates this information when the record is added The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
• The grid lists all the days of the week and the login access allowed for each. To
change the default or an entered time, select the day in the grid and change the time in the entry fields above the grid.
4.1.6
User Role Mapping
This Master allows you to map a user to the various roles, as required.
Figure 4-12: The User Role Mapping screen To map the User Id and Role: 1.
Select the User name from the dropdown list, whose Id you want to map with the required role/roles.
2.
The grid below the entry fields shows all the roles defined in APS. Select the role you want to map to the selecetd User Id and click on Enable in the corresponding row.
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Masters Manual, V 3.2
Holiday Master
The Holiday Master allows you to set up holidays and their descriptions for a branch of a company.
Figure 4-13: The Holiday Master screen The following table describes the data recorded in the Holiday Master. Field
Description
Remarks
Office Name
The branch name of the company
Holiday Date
The date on which the holiday is marked
Different branches can have separate holiday lists. -
Holiday Desc.
The description of the holiday
-
Active
This checkbox indicates the status of the holiday. A selected checkbox means the holiday status is active and it is included in the holiday list of the branch. Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
-
Maker Id Maker Date
Status
Author Id Author Date
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Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
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Masters Manual, V 3.2
Lifestyle Master
This Masters lets you label the fields, as required specifically by the bank, to add lifestyle or miscellaneous details of the applicant. The screen thus prepared can be accessed to add miscellaneous details of the applicant, while adding the Basic Details of Applicant, in the APS Online application.
Figure 4-14: The Lifestyle Master screen The following table describes the data recorded in the Holiday Master. Field
Description
Remarks
Field Id
Identification code assigned to the field
Field Name
The name of the field, as displayed in the APS Miscellaneous screen
Field Label
The name of the field, as displayed in the APS Miscellaneous screen Name of the associated block
Mandatory
Data Type
Type of data to be entered, such as numeric only, alphanumeric, and words only
Mandatory
Length
The number of the characters that can be entered in the text box for the field Indicates if the field is to be marked as mandatory
Mandatory
Maker Id
Id of the user who has added the record in the system
Maker Date
Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added
Block Name
Mandatory
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Different branches can have separate holiday lists. Mandatory
Mandatory
Mandatory
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Status
The current status of the record. The status can be Inserted, Modified or Authorised.
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
Author Date
4.1.9
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Security Access Master
The Security Access Master allows you to define roles and permissions applicable to them.
Figure 4-15: The Security Access Master Screen The following table describes the data required in the Security Access Master. Field
Description
Remarks
Role
The role to which permissions are to be attached
-
Master
The selected check box indicates that the user role has access to the APS Master application The selected check box indicates that the user role has access to the APS online Transaction application
A user can be given access to both the components of the APS application
Transaction
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Master Audit log
Figure 4-16: The Master Audit Log screen The following table describes the data required in the Master Audit log. Field Master Listing/Audit trail From Date To Date Master Name
Description
Remarks
These options indicate if you cant to view details of the Master listing or the audit trail The start date of the period for which the audit log is required The end date of the period for which the audit log is required
You can select only one of these options The date is in the dd/mm/yyyy format The date is in the dd/mm/yyyy format
The name of the master whose audit log is required
If no Master is selected, appropriate data from all the Masters is displayed
The search results are displayed in a grid below the search fields. The rows are displayed in any of the following three colours: •
Blue: To show data that has been approved
•
Red: To show data that has been deleted
•
Green: To show data that has been modified
4.1.11
Business Date Master
This Master allows you to set a business date for a transaction, if it is to be different from the current date.
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Figure 4-17: The Business Date Master screen The following table describes the data required in the Business Date Master. Field Current Business Date Next Business Date Maker Id Maker Date
Status
4.1.12
Description The current date is displayed in the dd/mm/yyyy format Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
Remarks The system generates this information when the record is added
The system generates this information when the record is added/ modified or authorised
Security Parameter Master
The Security Parameters Master is used for managing the security parameters of the password field. Certain parameters for ensuring password security are displayed in the grid below the entry fields. You can change the value for each of them, as required.
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Figure 4-18: The Security Parameters Master screen The following table describes the data required in the Security Parameters Master. Field
Description
Value
The default password value of the selected parameter
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
Maker Date
Status
Author Id Author Date
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
Remarks When you select a parameter in the grid, its value is displayed in the entry fields The system generates this information when the record is added
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
4.2 Common Masters Masters in this category involve all the details related to asset information, Employee exposure limits, entities, and loan norms. There are 11 Masters in this category, as shown in Figure 3-16. All of these are described in this section.
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Figure 4-19: The Common Masters
4.2.1
Asset Category Setup Masters
a. Asset Master The asset Master describes the details of asset block used by the company.
Figure 4-20: The Asset Master screen The following table describes the data required in the Asset Master. Field Asset Block Id
Description This is the Id of the asset block
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Remarks This is generated by
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Asset block description Maker Id
The description of the asset block
Maker Date
Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
Author Date
Id of the user who has added the record in the system
the system The system generates this information when the record is added The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
b. Asset Category Master The Asset Category Master describes the category of the asset depending on the insurance premium, investment allowance and other parameters. You cannot add details of the asset category without defining the asset first.
Figure 4-21: The Asset Category Master Screen. The following table describes the data required in the Asset Category Master. Field Asset Block ID
Description
Remarks -
Category Description
The identification code of the selected asset block The identification code of the selected asset category The Description of the asset category
CO Depreciation
Description of the branch office
Mandatory
IT Depreciation
The IT Depreciation on the asset value
Mandatory
Category ID
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Mandatory Mandatory
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RBI Code L
The applicable RBI Code L
Mandatory
RBI Code H
The applicable RBI Code H
Mandatory
Insurance premium
Mandatory
Dep. Benefit
The insurance premium to be paid for the asset’s insurance The depreciation benefit
Investment Allowance
The investment allowance
-
Annual allowance
The annual allowance
-
Investment allowance benefits Annual Allowance Benefits GLTV
The investment allowance benefits
-
The annual allowance benefits
-
The Gross Loan to Value ratio
-
NLTV Life
The Net Loan to Value ratio The life of the asset
-
Variance
The variance of the asset
-
Maker Id
Id of the user who has added the record in the system
Maker Date
Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Status
Author Id Author Date
c.
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
-
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Model Master
The model Master describes the model of the asset depending upon the make, the manufacturer and other parameters.
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Figure 4-22: The Model Master Screen The following table describes the data required in the Model Master. Field
Description
Remarks
Make/Model
These options allow you to enter/view details of the asset according to its make or model
Category
The selected category of the asset model.
ID
The Id of the selected asset category
Model
The model of the asset
On selection either options, fields related to the other options are disabled This is generated by the system This is generated by the system Mandatory
Make Manufacturer
The make of the asset The manufacturer of the asset.
Mandatory Mandatory
LTV Net LTV
The Loan to Value ratio for the asset The net Loan to Value ratio for the asset
-
Body funding Body Funding %
The Body funding of the asset The body funding percentage of the asset
-
Chassis Funding Chassis funding %
The chassis funding of the asset The chassis funding percentage of the asset.
-
Variance Max Funding
The difference in the funding The maximum funding for the asset
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Maker Date
Status
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The system generates this information when the record is added/ modified or authorised
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Author Id
Id of the user who has authorised the record in the system
Author Date
Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
The system generates this information when the record is authorised
d. Asset Product Master The asset product Master describes the asset on the basis of the loan product and the status.
Figure 4-23:The Asset-Product Master screen The following table describes the data required in the Asset –Product Master. Field Product
The category of the loan, along with the product Id. The dropdown list displays all the categories -Auto Loan (Auto), Home Loan (Home), and Personal Loan (Pers). The current status of the loan product for the selected asset for which loan is required. The status can be active or inactive
Status
4.2.2
Description
Remarks -
Some roles are applicable only for certain loan products
Charge Masters
These Masters help you define the various charges that are levied during the various stages of loan processing. You can assign codes to the different charges and set the upper limit for each. There are two categories of Charge Masters – Change Code Masters and Charge Definition Master.
4.2.2.1 Change Code Master The Charge Code Master describes the various charges that are levied during the loan processing stages.
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Figure 4-24: The Charge Code Master screen The following table describes the data required in the Charge code Master. Field
Description
Remarks
Charge Code ID
The identification code assigned to the type of charge
Each charge type is given a code by the system automatically
Charge Description
The description of the charge code
Module Id
The identification code assigned to the module
This helps the other users understand the charge code -
Charge time
The time or stage when the charge is levied
-
Manual Advice
Indicates whether expert advice is necessary. The options are Yes and No. The LPP Calculation
-
Waive off flag
Yes or No value in this field indicate if the change can be waived off
-
Discount type Short received
The type of discount, if any, given on the charge The status of short amount received
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
LPP Calculation
Maker Date
Status
Author Id
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Id of the user who has authorised the record in the system
-
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
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Masters Manual, V 3.2 Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
the record is authorised
4.2.2.2 Charge Definition Setup This Master helps you add details to the charge defined in the system in the previous Master. There are two sub-Masters in this category -- Charge Master and Slab Master. You cannot add details of the charge before defining a change code. a. Charge Master You can add all the details of the change defined earlier using the Charge Master.
Figure 4-25: The Charge Master The following table describes the data required in the Charge Master. Field
Description
Charge ID
The identification code of the selected charge
Charge Desc.
The description of the charge
Txn type
The type of transaction
Charge type Txn ID
The type of charge applied The identification code assigned to the transaction type The rate of the charge The type of Business Partner
Rate BP Type
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Remarks This is generated by the system (from the Charge Code Master) This is generated by the system (from the Charge Code Master) The charge may differ for each business partner type
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Amount
The amount of the charge
-
BP ID
-
Calculated On
The identification code assigned to the business partner The minimum charge amount that can be levied for the specified transaction and BP types The Candidate Attributes. This value is autogenerated on the basis of the selected transaction type The date until which the specified rate is valid and need not be revised. The date is entered in dd/mm/yyyy format. The component on which the charge is calculated
Slab Type
The slab type for the charge
Round Off Till
The nearer upper or lower paisa or rupee until which the charge is rounded off One of these options is selected from the dropdown list to indicate if the charge is a receipt or a payment. The currency in which the charge is levied
The slab type may differ due to various factors, as defined in the Slab Master -
Min. Charge Amount Candidate Attr
Rate Valid Till
Receipt/Payment
Currency
Advice Flag Maker Id Maker Date
Status
Author Id Author Date
A selected check box Indicates whether expert advice is necessary Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
-
The bank can revise the rate from time to time -
-
The default value in this version of system is INR. The system generates this information when the record is added
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
b. Slab This Master helps you set upper and lower limits to the charges to be levied. You can access the Slab Master only after you have defined a charge and selected the charge type as Slab.
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Figure 4-26: The Slab Master screen The following table describes the data required in the Charge Master. Field
Description
Remarks
Charge ID
The identification code of the selected charge
Slab ID
The description of the charge
Slab Min. Amount
The lower limit for the charge amount
This is generated by the system (from the Charge Code Master) This is generated by the system (from the Charge Code Master) Mandatory
Slab Max. Amount Type
The upper limit for the charge amount The type of the charge
Mandatory -
Rate Amount
The rate of the charge The amount of the charge
-
Status
The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added/ modified or authorised
4.2.3
Employer Exposure Limit Master
This Master helps you set the exposure limit for any company. This means, you can set a limit above which corporate loan cannot be granted to an employee of a particular company. The terms and conditions for the corporate loan are different from those of the individual loans.
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Figure 4-27: The Employer Exposure Limit Master Screen The following table describes the data required in the Employer Exposure Limit Master. Field
Description
Remarks
Currency Name
The name of the loan product. The dropdown list displays all the loan products -- Auto Loan (Auto), Home Loan (Home), and Personal Loan (Pers). The currency in which the loan is given
Employer Name
The name of the employer or the company
Only specific products can be selected for a particular company The default value in this version of APS is INR. Mandatory
Office Name
-
Limit
The name of the office or the branch of the company The upper limit of the exposure in Rupees
Threshold Exposure
The lower limit of the exposure in Rupees The amount of the exposure allowed
Mandatory -
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Product Name
Maker Date
Status
Author Id
Id of the user who has authorised the record in the system
Author Date
Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
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Mandatory
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
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Entities Masters
The Entity Masters help you add and view details of the various entities that may be working for the processing of loan applications, such as agency, DSA, broker, and company.
4.2.4.1 Agency Setup Master a. Agency Master
Figure 4-28: The Agency Master screen The following table describes the data required in the Agency Master. Field
Description
Remarks
Agency Id
The Agency Id
-
Agency code Agency name
The code number of the agency The name of the agency
-
Agency Type
The type of the agency
-
Active flag
Indicates if the selected agency is currently active or not
-
Activity Maker Id
The type of activity carried out by the agency. Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Id of the user who has authorised the record in the system
The system generates this information when the record is authorised
Maker Date
Status
Author Id
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The system generates this information when the record is added/ modified or authorised
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b.
Masters Manual, V 3.2 Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
the record is authorised
Agency Branch Link Master
Figure 4-29: The Agency Branch Link Master screen The following table describes the data required in the Agency Branch Link Master. Field
Description
Remarks
Agency Id
Identification code assigned to the selected agency
Branch
The name of the branch of the company
This is generated by the system -
Status
The status of the branch of the company
-
4.2.4.2 Architect Setup Master a. Architect Master The architect Master details the architects defined in the system.
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Figure 4-30: The Architect Master The following table describes the data required in the Architect Master. Field
Description
Architect ID
Identification code assigned to the architect
Architect Name
The name of architect
Building ID
Identification of the building associated with the architect The name of the project with which the architect is associated Id of the user who has added the record in the system
Project Id Maker Id
Maker Date
Status
Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
Author Id
Id of the user who has authorised the record in the system
Maker Id
Id of the user who has added the record in the system
© Nucleus Software Exports Ltd.
Remarks This is generated by the system The system generates this information when the record is added
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised The system generates this information when the record is added
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b. Address Setup Master
Figure 4-31: The Architect Address Setup Master The following table describes the data required in the Builder Address Setup Master. Field Contact person BP Id Address Address Type Country State City STD/ISD Zip code Phone 1 Phone 2 FAX Mobile E-mail
© Nucleus Software Exports Ltd.
Description The name of the contact person at the architect’s office The identification code assigned to the business partner The address of the architect’s office The type of the address
Remarks
This is auto-generated by the system
The country where the architect’s office is located The state where the architect’s office is located The city where the architect’s office is located The STD/ISD code of the architect r’s office phone The zip code where the architect office is located The first phone number at the architect ‘s office The second phone, if any, at the architect ’s office The fax number, if any, at the architect’s office The mobile number, if any, on which the architect’s office can be contacted The e-mail Id of the person , if any, at the architect’s office
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TELEX
The telex number of the architect’s office
Pager
The pager number, if any, on which the architect ’s office can be contacted The number of years that the office is located at the given address Checked option box means the given address type can be used as the mailing address
Years at this Address Mailing address
Inactive
A selected check box indicates that the given address is no more applicable
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
Maker Date
Status
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
Author Date
c.
Checked option box means the given address type can be used as the mailing address With this functionality, you do not need to delete an inactive address The system generates this information when the record is added
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
City Mapping Master
Figure 4-32: The City Mapping Master The following table describes the data required in the Agency Branch Link Master. Field
Description
Architect Name
Name of the architect
City ID
The identification code assigned to the city to which the architect is linked The name of the city
City Name
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Remarks This is generated by the system -
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4.2.4.3 Builder Setup Master a. Builder Setup Master
Figure 4-33: The Builder Setup Master screen The following table describes the data required in the Builder Master. Field
Description
Remarks
Builder Id
The identification assigned to the builder
-
Builder Name Exposure Amount Website
The name of the builder The maximum amount than can be given as loan to the builder The Website of the builder
-
Exposed Amount
The amount of the loan that the builder has already used The maximum amount that has been financed
-
Total number of flats constructed by the builder
-
The number of flats which can be financed
-
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Max Amount Financed Total Flats Max Flats Financed Maker Id Maker Date
Status
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-
-
The system generates this information when the record is added/ modified or authorised
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Masters Manual, V 3.2 Id of the user who has authorised the record in the system
The system generates this information when the record is authorised
b. Address Setup Master The Address Setup Master describes the contact details of the builder.
Figure 4-34: The Builder Address Setup Master The following table describes the data required in the Builder Address Setup Master. Field Contact person BP Id Address Address Type Country State City STD/ISD Zip code Phone 1 Phone 2 FAX Mobile
© Nucleus Software Exports Ltd.
Description The name of the contact person at the builderr’s office The identification code assigned to the business partner The address of the builder’s office The type of the address
Remarks
This is auto-generated by the system
The country where the builder’s office is located The state where the builder’s office is located The city where the builder’s office is located The STD/ISD code of the builder’s office phone The zip code where the builder office is located The first phone number at the builder‘s office The second phone, if any, at the builder’s office The fax number, if any, at the builder’s office The mobile number, if any, on which the builder’s office can be contacted
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The e-mail Id of the person , if any, at the builder’s office
TELEX Pager
The telex number of the builder’s office The pager number, if any, on which the builder’s office can be contacted The number of years that the office is located at the given address Checked option box means the given address type can be used as the mailing address
Years at this Address Mailing address
Inactive
A selected check box indicates that the given address is no more applicable
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
Maker Date
Status
Author Id Author Date
c.
Masters Manual, V 3.2
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
Checked option box means the given address type can be used as the mailing address With this functionality, you do not need to delete an inactive address The system generates this information when the record is added
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Builder-Office Setup Master
Figure 4-35: The Builder-Office Setup Master © Nucleus Software Exports Ltd.
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The following table describes the data required in the Builder-Office Setup Master. Field
Description
Remarks
Builder ID
The identification assigned to the builder
-
Office ID
The identification of the office to which the builder is linked Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
This is auto-generated by the system The system generates this information when the record is added
Maker Id Maker Date
Status
Author Id Author Date
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
4.2.4.4 Company Setup Master The Company Setup Master describes the details of the company.
Figure 4-36: The Company Setup Master screen The following table describes the data required in the Company Setup Master.
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Field
Description
Company Id
The Id of the company
Company description
The detailed description of the company.
Maker Id
Id of the user who has added the record in the system
Maker Date
Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
Status
Author Id Author Date
Id of the user who has authorised the record in the system Date and time when the record was authoris ed. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
Remarks
The system generates this information when the record is added The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
4.2.4.5 D SA Setup Masters These Masters help you set up the direct selling agents for the bank. These include Masters for setting up brokers, their details and the product and exposure limit for each. a. Broker Master The Broker Master describes details of the broker.
Figure 4-37: The Broker Master screen The following table describes the data required in the Broker Master. © Nucleus Software Exports Ltd.
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Field
Description
Remarks
Broker name
The name of the broker
-
Limit
-
Active
The exposure limit assigned to the specified broker Indicates if the current status is active or not
Exposure
The exposure amount.
-
Date
The date when the broker is added to the system
-
Bank Code Bank Branch
The code of the bank The name of the branch of the bank
-
Banker’s name
The name of the banker
-
Banker’s branch
The branch name of the branch of the Banker
-
Composition
The composition of the DSA company
-
Sanctioning Disbursal due
The sanctioning limit The due amount of the disbursal
-
Incentive due
The due amount of the incentive
-
Payment
The amount of the payment to be made
-
Frozen
If the DSA has been de-activated
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Maker Date
Author Date
-
b. Address Setup Master The Address Setup Master describes the address details of the broker. You can add these details only after setting up a broker in the system.
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Figure 4-38:The Address Setup Master screen The following table describes the data required in the Address setup Master. Field Contact person BP Id
Description
Address Address Type
The name of the contact person The identification code assigned to the business partner The address of the person The type of the address
Country State
The country of residence. The state of residence
City STD/ISD
The city of residence The STD/ISD code
Zip code Phone 1 Phone 2
The zip code of the residence The first phone number The second phone, in case available
FAX Mobile
The FAX number The mobile number, in cas e available
E-mail TELEX
The Email Id of the person. The TELEX
Pager Years at this address
The pager number, in case available. The number of years the person has resided in this address Checked option box means the given address type can be used as the mailing address
Mailing address
Inactive
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A selected check box indicates that the given address is no more applicable
Remarks This is auto-generated by the system
Checked option box means the given address type can be used as the mailing address With this functionality, you do not need to delete an inactive
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Maker Id Maker Date
Status
Author Id Author Date
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Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
delete an inactive address The system generates this information when the record is added
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Office Mapping Master
This user helps you map a DSA to certain specific or all the branches of the bank.
Figure 4-39: The Office Mapping Master screen
d. Product Mapping Master The product Mapping Master describes the Product Mapping for which the selected DSA is authorised.
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Figure 4-40: The Product Mapping Master Screen The following table describes the data required in the Product Mapping Master. Field
Description
Broker name
The name of the selected broker
Product
The loan product, in which the selected DSA can deal
Remarks This is auto-generated by the system To be selected from the dropdown list of the given loans
e. The Exposure Master The Exposure Master describes the exposure limit given to the broker.
Figure 4-41: The Exposure Master screen The following table describes the data required in the Exposure Master.
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Field
Description
Broker name
The name of the selected broker
Product
The name of the loan product the broker can deal in
Office
The office name
Amount exposure
The amount of exposure allowed to the broker The number of days for which the exposure is allowed The units
No. of days Units
Remarks This is auto-generated by the system This is auto-generated by the system from the previous Master This is auto-generated by the system from the earlier Master Mandatory Mandatory Mandatory
4.2.4.6 Employer Setup a. The Employer Master The Employer Master describes the details of the employer such as the employer name and the industry.
Figure 4-42: The Employer Master screen The following table describes the data required in the Employer Master. Field
Description
Remarks
Employer Id
The identification code assigned to the employer
-
Employer name DSA Emp Flag
The name of the employer The DSA EMP Flag
-
Worklist Emp Flag
The worklist Emp Flag
-
The Sector
The Sector name
-
Industry Id
The Id of the industry
-
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Super Group
The associated super group
-
Employer category
The category of the employer
-
Deal source Maker Id
The source of the deal Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Maker Date
Status
Author Id Author Date
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
b. The Address Master The Address Master describes the address details of the employer.
Figure 4-43: The Address Master screen The following table describes the data required in the Address Master. Field
Description
Remarks
BP Id
The Bp Id of the person
This is auto-generated by the system
Contact person Address
The name of the contact person The address of the person
Mandatory Mandatory
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Branch Type
The type of the office branch, whether CO, BO, HO or any other
Address Type Country
The type of the address The country of residence.
Mandatory Mandatory
State
The state of residence
Mandatory
City
The city of residence
Mandatory
STD/ISD
The STD/ISD code
-
Zip code Phone 1
The zip code of the residence The first phone number
-
Phone 2
The second phone, in case available
-
FAX
The FAX number
-
Mobile
The mobile number, in case available
-
E-mail TELEX
The Email Id of the person. The TELEX
-
Pager
The pager number, in case available.
-
Years at this address
The number of years the person has resided in this address
-
Mailing address
Checked option box means the given address type can be used as the mailing address
Inactive
A selected check box indicates that the given address is no more applicable
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
Checked option box means the given address type can be used as the mailing address With this functionality, you do not need to delete an inactive address The system generates this information when the record is added
Maker Date
Status
Author Id Author Date
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
4.2.4.7 Group Setup Master The Group Setup Master describes the setting up of groups.
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Figure 4-44:The Gr oup Setup Master screen The following table describes the data required in the Group Setup Master. Field
Description
Group ID
The ID of the Group
Group code
The code of the group
Description
The detailed description of the group
Exposure amount Exposed amount
The amount of exposure The amount Exposed.
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
Maker Date
Status
Author Id Author Date
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
Remarks
The system generates this information when the record is added
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
4.2.4.8 Industry Master The Industry Master describes the industry details.
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Figure 4-45: The Industry Master screen The following table describes the data required in the Industry Master. Field
Description
Industry Id
The Id of the industry
Industry Description
The detailed description of the industry.
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
Maker Date
Status
Author Id
Id of the user who has authorised the record in the system
Author Date
Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
Remarks
The system generates this information when the record is added
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
4.2.4.9 Insurance Company Setup a. Insurance Company Master The Insurance Company Master describes the Insurance Company.
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Figure 4-46: The Insurance Company Master screen The following table describes the data required in the Insurance Company Master. Field
Description
Remarks
Insurance Id
The Id of the insurance
-
Insurance Description Contact Person
The description of the Insurance. The name of the contact person
-
Address
The address of the insurance company
-
Phone No 1
The first phone number.
-
Phone No 2
The Second phone number, in case available
-
FAX TELEX
The FAX number The TELEX number.
-
Country
The name of the country
-
State
The name of the state
-
City
The name of the city
-
Zip Code Maker Id
The Zip code of the city Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Maker Date
Status
Author Id Author Date
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Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
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b. Insurance Branch Link Master The Insurance Branch Link Master describes the Insurance Branch links.
Figure 4-47: The Insurance Branch Link Master Screen The following table describes the data required in the Insurance Branch Link Master. Field
Description
Remarks
Branch Id
The Id of the Branch
-
Branch Description Contact Person
The description of the Branch The name of the contact person
-
Address
The address of the insurance company
-
Phone No 1
The first phone number.
-
Phone No 2
The Second phone number, in case available
-
Country State
The name of the country The name of the state
-
City
The name of the city
-
Zip Code
The Zip code of the address
-
FAX
The FAX number
-
TELEX Email
The TELEX number. The Email ID of the branch
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Maker Date
Status
Author Id
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Id of the user who has authorised the record in the system
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
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Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
4.2.4.10 The Introducer Master
Figure 4-48: The Introducer Master screen The following table describes the data required in the Introducer Master. Field
Description
Remarks
Introducer Code
The code of the introducer
-
Introducer Name
The name of the introducer
-
Introducer Information Maker Id
The information specific to the introducer. Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Maker Date
Status
Author Id Author Date
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
4.2.4.11 Lawyer Setup a. Lawyer Master The Lawyer Master describes the Lawyer details. © Nucleus Software Exports Ltd.
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Figure 4-49: The Lawyer Master screen The following table describes the data required in the Lawyer Master. Field
Description
Remarks
Lawyer ID
The ID code of the lawyer
-
Lawyer Name
The name of the lawyer
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Maker Date
Status
Author Id Author Date
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
b. Lawyer Office Link Master The Lawyer Office Link Master details the Lawyer Office Link.
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Figure 4-50: The Lawyer Office Link Master screen The following table describes the data required in the Lawyer Office Link Master. Field
Description
Remarks
Lawyer ID
The ID code of the lawyer
-
Office ID
The ID of the office
-
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
-
c.
Lawyer Address Master
The Lawyer Address Master details the Address .
Figure 4-51: The Lawyer Address Master © Nucleus Software Exports Ltd.
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The following table describes the data required in the Lawyer Address Master. Field Contact person BP Id Address Address Type Country State City STD/ISD Zip code Phone 1 Phone 2 FAX Mobile E-mail TELEX Pager Years at this Address Mailing address
Description The name of the contact person at the lawyer’s office The identification code assigned to the business partner The address of the lawyer’s office The type of the address
The STD/ISD code of the lawyer’s office phone The zip code where the lawyer’s office is located The first phone number at the lawyer’s office The second phone, if any, at the lawyer’s office The fax number, if any, at the lawyer’s office The mobile number, if any, on which the lawyer’s office can be contacted The e-mail Id of the person , if any, at the lawyer’s office The telex number of the lawyer’s office The pager number, if any, on which the lawyer’s office can be contacted The number of years that the office is located at the given address Checked option box means the given address type can be used as the mailing address
A selected check box indicates that the given address is no more applicable
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
Status
Author Id Author Date
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This is auto-generated by the system
The country where the lawyer’s office is located The state where the lawyer’s office is located The city where the lawyer’s office is located
Inactive
Maker Date
Remarks
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
Checked option box means the given address type can be used as the mailing address With this functionality, you do not need to delete an inactive address The system generates this information when the record is added
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
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d. Agency Mapping Master The Agency Mapping Master lists the agencies linked with the lawyer.
Figure 4-52: The Agency Mapping Master screen The following table describes the data required in the Lawyer Office Link Master. Field
Description
Remarks
Lawyer ID
The Id of the lawyer
-
Agency ID Agency Name
The Id of the agency mapped with the lawyer The name of the agency mapped with the lawyer
-
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
-
4.2.4.12 Manufacturer Master The manufacturer Master describes the manufacturer details.
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Figure 4-53: The Manufacturer Master screen The following table describes the data required in the manufacturer Master. Field
Description
Manufacturer ID
The ID of the manufacturer
Manufacturer Description Maker Id
The detailed description of the manufacturer
Maker Date
Status
Author Id Author Date
Remarks
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is authorised
The system generates this information when the record is added/ modified or authorised
4.2.4.13 Marketing Officer Setup a. Inspector Master The Inspector Master describes the details of the inspecting officer.
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Figure 4-54: The Inspector Master screen The following table describes the data required in the Inspector Master. Field
Description
Remarks
Officer type
Marketing officer or DME, as the case might be.
-
Inspector ID
The ID of the Inspector
-
Inspector Name
The name of the Inspector
-
Incentive (%)
The incentive (%) to be given to the inspector
-
Region Exposure amount
The Region of operation The amount of exposure
-
Exposed amount
The amount exposed
-
DSA name
The name of the DSA
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
The system generates this information when the record is authorised
Maker Date
Status
Author Id Author Date
The system generates this information when the record is added/ modified or authorised
b. Address Master The Address Master contains details of the address.
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Figure 4-55: The Address Master screen The following table describes the data required in the Address Master. Field
Description
Remarks
Contact person BP Id
The name of the contact person The Bp Id of the person
-
Address
The address of the inspector
-
Address Type
The type of the address
-
Country
The country of residence.
-
State City
The state of residence The city of residence
-
STD/ISD
The STD/ISD code
-
Zip code
The zip code of the residence
-
Phone 1
The first phone number
-
Phone 2 FAX
The second phone, in case available The FAX number
-
Mobile
The mobile number, in case available
-
E-mail
The Email Id of the person.
-
TELEX
The TELEX
-
Pager Years at this address
The pager number, in case available. The number of years the person has resided in this address Checked option box means the given address type can be used as the mailing address
-
Mailing address
Inactive
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A selected check box indicates that the given address is no more applicable
Checked option box means the given address type can be used as the mailing address With this functionality, you do not need to
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Maker Id Maker Date
Status
Author Id Author Date
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Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
do not need to delete an inactive address The system generates this information when the record is added The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
4.2.4.14 Rate/Risk/FLG Setup a. Rate/Risk/FLG Master The Rate/Risk/FLG Master contains the Rate, Risk or FLG details, as applicable.
Figure 4-56: The Rate/Risk/FLG Master screen The following table describes the data required in the Rate/Risk/FLG Master. Field
Description
Remarks
Lessor ID
The ID of the Lessor
-
Lessor Name Rate/Risk/FLG type
The Name of the Lessor The Rate/Risk/FLG type
The Rate Slab Master cannot be accessed
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BP Type
Category of the business partner
BP ID
-
Consortium (%)
The Identification code given to the business partner by the bank The Consortium percentage
Commission (%)
The Commission percentage
-
Valid till
The date until validity lasts.
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
The system generates this information when the record is added
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Maker Date
Author Date
-
b. Rate Slab Master The Rate Slab Master contains the Rate Slab details.
Figure 4-57: The Rate Slab Master screen The following table describes the data required in the Rate Slab Master. Field
Description
Remarks
From Rate
The start range of the rate
-
To Rate
The ending range of the rate
-
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Benefit
The benefit
-
Status
The status
-
4.2.4.15 RBI Master The RBI Master contains Master information about the applicable RBI regulations.
Figure 4-58:The RBI Master screen The following table describes the data required in the RBI Master. Field RBI Description Maker Id Maker Date
Status
Author Id Author Date
Description The description of the RBI Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
Remarks The system generates this information when the record is added
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
4.2.4.16 RTO Master The RTO Master contains the RTO details.
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Figure 4-59: The RTO Master screen The following table describes the data required in the RTO Master. Field
Description
Remarks
RTO Id RTO Name
The Id of the RTO The name of the RTO
-
RTO Code
The Code of the RTO
-
Branch Id
The Id of the Branch
-
Contact name
The name of the contact person
-
Address Phone 1
The detailed address of the RTO The first phone number of the RTO
-
Phone 2
-
FAX
The Second phone number of the RTO, in case available The Fax number
State Id TELEX
The State Id of the RTO The Telex number
-
City
The City of residence of the RTO
-
Email ID
The Email ID of the RTO
-
City zip
The zip code of the city
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added
Maker Date
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Status
The current status of the record. The status can be Inserted, Modified or Authorised.
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
Author Date
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
4.2.4.17 Super Group Master The Super Group Master contains details of the super groups that have been created.
Figure 4-60: The Super Group Master screen The following table describes the data required in the Super Group Master. Field
Description
Remarks
Super group ID
The ID of the Super Group
-
Super Group Code Description
The code of the Super Group The description of the Super Group
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Maker Date
Status
Author Id
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Id of the user who has authorised the record in the system
The system generates this information when the record is added/ modified or authorised The system generates this information when
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information when the record is authorised
4.2.4.18 Supplier Setup Supplier setup describes the supplier details. a. Supplier Master The Supplier Master contains details of the supplier.
Figure 4-61: The Supplier Master screen The following table describes the data required in the Supplier Master. Field
Description
Supplier Name
The name of the supplier
State ST Num.
The State ST Num.
Central ST Num.
The Central ST Num.
IT Num. Supplier dealer
The IT Num. The dealer of the supplier
Bank A/c No.
The bank account number of the supplier
VAT A/c No.
The VAT Account number
Limit
The limit allowed to the supplier
Status Valid from
The current status of the supplier From when valid
Valid Till
Till when valid
PAN/Gir No.
The PAN/Gir number
Exposure
The amount of exposure
Maker Id
Id of the user who has added the record in the system
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Remarks
The system generates this information when
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Status
Author Id Author Date
Masters Manual, V 3.2 information when the record is added
Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Id of the user who has authorised the record in the system Date and tim e when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
b. Address Master The address Master contains details of the addresses.
Figure 4-62: The Address Master screen
The following table describes the data required in the Address Master. Field
Description
Remarks
Contact person
The name of the contact person
-
BP Id
The BP Id of the person
-
Address
The address of the person
-
Address Type Country
The type of the address The country of residence.
-
State
The state of residence
-
City
The city of residence
-
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STD/ISD
The STD/ISD code
-
Zip code
The zip code of the residence
-
Phone 1 Phone 2
The first phone number The second phone, in case available
-
FAX
The FAX number
-
Mobile
The mobile number, in case available
-
E-mail
The Email Id of the person.
-
TELEX Pager
The TELEX number The pager number, in case available.
-
Years at this address
The number of years the person has resided in this address Checked option box means the given address type can be used as the mailing address
-
Mailing address
Inactive
A selected check box indicates that the given address is no more applicable
Maker Id
Id of the user who has added the record in the system
Maker Date
Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
Status
Author Id Author Date
c.
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
Checked option box means the given address type can be used as the mailing address With this functionality, you do not need to delete an inactive address The system generates this information when the record is added The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Office Mapping Master
With the help of this Master, you can map a supplier to a specific or all the offices.
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Figure 4-63: The Supplier Office Master screen d. Product Mapping Master With the help of this Master, you can map a supplier to a specific or all the loan products.
Figure 4-64: The Supplier Product Mapping Master screen e. Manufacturer mapping Master With the help of this Master, you can map a supplier to a specific or all the manufacturers of the asset product.
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F igure 4-65: The Supplier Manufacturer Mapping screen
4.2.5
External Institutes Master
4.2.5.1 Bank Master The Bank Master contains details of the bank, such as the bank name, and branch name.
Figure 4-66: The Bank Master screen The following table describes the data required in the Bank Master. Field Bank Id Bank name
© Nucleus Software Exports Ltd.
Description The Id of the Bank The name of the Bank
Remarks -
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Branch Name
The name of the bank Branch
-
Contact name
The name of the contact person at the bank
-
Address Phone 1
The address of the bank The first phone number of the bank
-
Phone 2
The second phone number of the bank
-
Country
The country of location of the bank
-
FAX
The fax number of the bank
-
State Telex
The state of location of the bank The telex number of the bank
-
City
The city of location of the bank
-
Email Id
The Email Id for the bank
-
Zip code
The zip code for the city
-
URL Cash/Bank
The URL for the web page of the bank Cash or bank, as appropriate
-
Account type
The type of account at the bank
-
Maker Id
Id of the user who has added the record in the system
Maker Date
Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Status
Author Id Author Date
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
4.2.5.2 Institute Setup a. Institute Master The Institute Master contains details of the Institute.
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Figure 4-67: The Institute Master screen The following table describes the data required in the Institute Master. Field
Description
Remarks
Institute Id Institute name
The Id of the Institute The name of the Institute
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Maker Date
Status
Author Id Author Date
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
b. Institute Address Master The Institute Address Master contains details of the Institute address.
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Figure 4-68: The Institute Address Master screen The following table describes the data required in the Institute Address Master. Field
Description
Remarks
Contact person
The name of the contact person
-
BP Id
The BP Id of the person
-
Address Address Type
The address of the person The type of the address
-
Country
The country of residence.
-
State
The state of residence
-
City
The city of residence
-
STD/ISD Zip code
The STD/ISD code The zip code of the residence
-
Phone 1
The first phone number
-
Phone 2
The second phone, in case available
-
FAX
The FAX number
-
Mobile E-mail
The mobile number, in case available The Email Id of the person.
-
TELEX
The TELEX number
-
Pager
The pager number, in case available.
-
Years at this address
The number of years the person has resided in this address Checked option box means the given address type can be used as the mailing address
-
Mailing address
Inactive
© Nucleus Software Exports Ltd.
A selected check box indicates that the given address is no more applicable
Checked option box means the given address type can be used as the mailing address With this functionality, you do not need to delete an inactive
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Maker Id
Id of the user who has added the record in the system
Maker Date
Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
Status
Author Id Author Date
c.
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
delete an inactive address The system generates this information when the record is added The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Courses Master
The Courses Master contains details of the courses conducted by the institute.
Figure 4-69: The Courses Master screen The following table describes the data required in the Courses Master. Field
Description
Remarks
Institute Id
The Id of the institute
-
Course Id Course name
The Id of the course The name of the course
-
Course duration Semester
The duration of the course The number of semesters in the course
-
Status
The current status
-
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PDC
4.2.6.1 PDC Bank Master The PDC Bank Master contains details of the PDC Bank.
Figure 4-70: The PDC Bank Master screen The following table describes the data required in the PDC Bank Master. Field
Description
Remarks
Bank Id Bank name
The Id of the PDC bank The name of the PDC bank
-
Bank code
The code of the PDC Bank
-
City
The city of location of the PDC Bank
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is dis played in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Maker Date
Status
Author Id Author Date
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
4.2.6.2 PDC Bank Branch Master The PDC Bank Branch Master contains details of the PDC Bank Branch. © Nucleus Software Exports Ltd.
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Figure 4-71: The PDC Bank Branch Master screen The following table describes the data required in the PDC Bank Branch Master. Field
Description
Remarks
Bank Branch Id
The Id of the PDC bank Branch
-
Branch code
The code of the PDC bank Branch
-
Bank
The name of the PDC Bank
-
City Clearing house ID
The city of location of the branch The branch clearinghouse ID
-
Bank Branch name
The name of the bank branch
-
Weekly holiday
The weekday on which the branch does not open.
-
MICR Since Date
The MICR Since date
-
MICR Flag MICR Code
The MICR flag The MICR Code
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Maker Date
Status
Author Id Author Date
© Nucleus Software Exports Ltd.
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
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4.2.6.3 PDC City Master The PDC City Master contains the PDC City details.
Figure 4-72: The PDC City Master screen The following table describes the data required in the PDC City Master. Field
Description
Remarks
City ID
The ID of the City
-
City type Name
The type of the city The name of the city
-
Service Branch
The name of the Service Branch
-
MICR Flag
The MICR Flag
-
Branch code
The code of the branch
-
State Maker Id
The state of location of the city Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is authorised
Maker Date
Status
Author Id Author Date
The system generates this information when the record is added/ modified or authorised
4.2.6.4 Clearing House Master The Clearinghouse Master contains details of the clearinghouse. © Nucleus Software Exports Ltd.
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Figure 4-73: The Clearinghouse Master screen The following table describes the data required in the Clearinghouse Master. Field
Description
Remarks
Clearinghouse Id
The Id of the Clearinghouse
-
ClearingHouse Name City
The name of the Clearinghouse The city of location of the Clearinghouse
-
Ecs Flag
The Ecs Flag
-
Bank
The name of the bank
-
Branch
The name of the bank branch
-
Account No. Ledger Folio No
The account number The ledger folio number
-
Amount
The amount
-
Maker Id
Id of the user who has added the record in the system
Maker Date
Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Status
Author Id Author Date
© Nucleus Software Exports Ltd.
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
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Loan Norms Master
The Loan Norms Master contains the loan norms details.
Figure 4-74: The Loan Norms Master screen The following table describes the data required in the Loan Norms Master. Field
Description
Remarks
Loan Norms Id
The Loan Norms Id
Salary months
The Salary months
This is auto-generated by the system -
IRR
The IRR
-
Spouse salary
Whether the spouse has a salary, yes or no.
-
LCR Retirement age
The LCR The age of retirement
-
Years in service
The number of years spent in service
-
Years in Business
The number of years in business.
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Maker Date
Status
Author Id Author Date
© Nucleus Software Exports Ltd.
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
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General Parameter Master
The General Parameter Master -LMS contains details of the general parameters.
Figure 4-75: The General Parameter Master-LMS screen The following table describes the data required in the General Parameters Master - LMS. Field
Description
Remarks
Los / Lending
Whether LOS or Lending
-
Module
The module
-
Scope
The scope
-
Key Value Key 2 value
The key value The Key2 Value
-
Value
The value
-
Value Description
The description of the value
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Maker Date
Status
Author Id Author Date
© Nucleus Software Exports Ltd.
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
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General Parameter Master
The General Parameter Master GCD contains details of the General Parameters GCD.
Figure 4-76: The General Parameter Master – GCD screen The following table describes the data required in the General Parameters Master - GCD. Field
Description
Remarks
Module
The module
-
Scope Key Value
The scope The key value
-
Key 2 value
The Key2 Value
-
Value
The value
-
Value Description
The description of the value
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Maker Date
Author Date
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Template Master
The Template Master contains details of the templates.
Figure 4-77: The Template Master screen The following table describes the data required in the General Parameters Master - GCD. Field
Description
Remarks
Template Id
The Id of the Template
-
Template name Template type
The name of the Template The type of the Template
-
Priority
The priority
-
Template Mode
The mode of the template
-
Process flag
The process flag can be Yes or No
-
HTML Specific Active Flag
Whether the template is HTML Specific Whether the active status is Yes or No
-
Template text
The detailed template text.
-
Maker Id
Id of the user who has added the record in the system
Maker Date
Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Status
Author Id Author Date
© Nucleus Software Exports Ltd.
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
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Miscellaneous Masters
4.2.11.1 Building Master The Building Master contains details of the building for which loan is sought.
Figure 4-78: The Building Master screen The following table describes the data required in the City Details Master.
Field
Description
Remarks
Builder Id
The Id assigned to the builder.
-
Builder
The name of the builder who is constructing the building.
-
Project
The name of the project for which the loan is sought.
-
Building Code
The code assigned to the building.
-
Property Type
The type of the property on which the building is constructed.
-
Building Name
The name of the building for which the loan is sought.
-
Building Type
The type of the building for which the loan is sought
-
Total Floors
The total number of floors in the building for which the loan is sought.
-
The number of flats on each floor of the building for which the loan is sought.
-
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Total Flats
The total number of flats in the building for which the loan is sought.
-
Start Date
The date on which the project started.
-
End Date
The end date of the project.
-
Exposure Amount
The limit of the loan approved for the project by the financing institute.
-
Exposed Amount
The amount of the loan already used for the project.
-
Exposure Flats
The number of flats for which the loan has been approved by the financing institute.
-
Exposed Flats
The number of flats for which the exposed amount has been used.
-
Verify Percentage
The percentage of completion that has been verified.
-
Verify By
The name of the person who has verified the percentage completion of the project.
-
Stage of Construction
The current stage of construction.
-
Building Structure
The structure of the building.
-
Verify On
The date on which the project completion status is verified.
-
Cost Incurred%
The percentage of the cost incurred by the bank for the project.
-
Verify Till
The date till which the verification stands valid.
-
The current status of the record.
The system generates this information when the record is added/ modified or authorised
Status
ADF Flag
The marked checkbox indicates Advance Disbursement.
-
APF Flag
The marked checkbox indicates Advance Processing Fees.
-
Maker Id
Id of the user who has added the record in the system.
Maker Date
Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
Author Id
Id of the user who has authorised the record in the system
Author Date
Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
© Nucleus Software Exports Ltd.
The system generates this information when the record is added The system generates this information when the record is authorised
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4.2.11.2 Billing Master The Billing Master contains the billing details.
Figure 4-79: The Billing Master screen The following table describes the data required in the Billing Master.
Field
Description
Remarks
Billing Cycle code
The code assigned to the billing cycle.
-
Product
The type of loan.
-
Approved From Date
The date from which the loan is approved.
-
Approved On Date
The date on which the loan is approved
-
Assigned Billing Cycle
The assigned billing cycle
Enabled Flag
The marked checkbox indicates that the current status of the billing cycle is active.
-
Maker Id
Id of the user who has added the record in the system
Maker Date
Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added/ modified or authorised
Author Id
Id of the user who has authorised the record in the system
Author Date
Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
The system generates this information when the record is authorised
© Nucleus Software Exports Ltd.
The system generates this information when the record is added
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4.2.11.3 City Details Master The city details Master contains the city details.
Figure 4-80: The City Details Master screen The following table describes the data required in the City Details Master. Field
Description
Remarks
City code
The code number of the city
-
City Name State
The name of the city The state in which the city is located
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Maker Date
Status
Author Id Author Date
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
4.2.11.4 Constitution Master The Constitution Master defines the constitution of a company (if it is a private limited, partnership, or any other type of firm, or individual (whether salaried, self-employed, or temporary employee).
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Figure 4-81: The Constitution Master screen The following table describes the data required in the Constitution Master. Field Constitution ID Constitution Description Maker Id Maker Date
Status
Author Id Author Date
Description
Remarks
The ID of the constitution The detailed description of the constitution.
Auto-generated
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
4.2.11.5 Country Master The Country Master contains details of the countries.
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Figure 4-82: The Country Master screen The following table describes the data required in the Country Master. Field
Description
Remarks
Country Code
The code assigned to the country
-
Country Name
The name of the country
--
ISO Code
The ISO code of the country
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Maker Date
Status
Author Id Author Date
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
4.2.11.6 Currency Rate Type Master The Currency Rate Type Master contains details of the currency rate type.
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Figure 4-83:The Currency Rate Type Master screen The following table describes the data required in the Currency Rate type Master. Field
Description
Remarks
Rate Type Id
The Id of the rate type of the currency
-
Rate type description
The description of the rate type of the currency
-
Rate type description L Maker Id
The Rate type description L.
-
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Maker Date
Status
Author Id Author Date
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
4.2.11.7 Currency Setup a. Currency Master The currency Master defines the various types of currencies that are applicable in the APS system.
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Figure 4-84: The Currency Master screen The following table describes the data required in the Currency Master. Field
Description
Remarks
Currency ID
The ID of the currency
-
Currency Desc.
The description of the currency
-
Currency Desc. L Issue Country
The country that issues the currency
-
Issue Country L
-
Re Val Code
The Re Val code
-
Re Val Type
The Re Val Type
-
Currency sign Currency Decimal
The sign of the currency
-
Round off Param.
The Round off parameter for the currency.
-
Maker Id
Id of the user who has added the record in the system
Maker Date
Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Status
Author Id Author Date
© Nucleus Software Exports Ltd.
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
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b. Currency Rate Master The Currency Rate Master contains details of the currency rate.
Figure 4-85: The Currency Rate Master screen The following table describes the data required in the Currency Rate Master. Field
Description
Remarks
Currency ID
The ID of the currency
-
Rate Type
The rate type of the currency
-
Multi Factor
The Multi Factor of the currency
-
Valid from
The date from which the current rate is valid
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Maker Date
Author Date
4.2.11.8 Customer Category Master The Customer Category Master contains details of the customer category.
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Figure 4-86: The Customer Category Master screen The following table describes the data required in the Country Master. Field
Description
Remarks
Customer category Id Description
The Id of the customer category The Description of the customer
-
Maker Id
Id of the user who has added the record in the system
Maker Date
Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Status
Author Id
Id of the user who has authorised the record in the sys tem
Author Date
Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
-
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
4.2.11.9 District Master The District Master contains details of the district.
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Figure 4-87: The District Master screen The following table describes the data required in the District Master. Field
Description
Remarks
District Id District Description
The Id of the District The description of the district
-
District Abbreviation Maker Id
The abbreviation for the district.
-
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Maker Date
Status
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
Author Date
4.2.11.10
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Interest Rate Detail Master
The Interest Rate Detail Master contains details of the Interest rate.
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Figure 4-88: Interest Rate Detail Master screen The following table describes the data required in the Interest Rate Detail Master. Field
Description
Remarks
Bucket Id Bucket code
The Id of the Bucket The Code of the Bucket
Auto-generated -
Product
-
Fixed Rate
The product can be Auto loan, home loan, or personal loan. The Fixed Rate
From Tenure To Tenure
The beginning range of the tenure The ending range of the tenure
-
From Amount To Amount Effective from
The beginning range of the amount The ending range of the amount The date from which the interest rate is effective
-
Valid till Maker Id
The date up to which the interest rate is valid Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Maker Date
Status
Author Id Author Date
© Nucleus Software Exports Ltd.
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
-
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
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IRR Charges Master
The IRR Charges Master contains details of the IRR Charges.
Figure 4-89: The IRR Charges Master screen The following table describes the data required in the IRR Charges Master. Field
Description
Remarks
IRR Type
The type of IRR
-
Charge
The IRR Charge
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Maker Date
Author Date
4.2.11.12
PLR Charges Master
The PLR Charges Master contains details of the PLR charges.
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Figure 4-90: The PLR Charges Master screen The following table describes the data required in the PLR Charges Master. Field
Description
Remarks
PLR Charges
The PLR Charges
-
Description
The description of the PLR Charges
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Maker Date
Status
Author Id
Id of the user who has authorised the record in the system
Author Date
Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
4.2.11.13
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
PLR Charge Detail Setup
a. PLR Charge Setup Master The PLR Charge Setup Master contains details of the PLR Charge Setup.
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Figure 4-91: The PLR Charge Setup Master screen The following table describes the data required in the PLR Charges Master. Field
Description
Remarks
PLR Charge Id PLR Charge Type
The Id of the PLR Charge The Type of the PLR Charge
-
Period Type
Period type can be days or months
-
Period
The period of the charge
-
PLR Description
The detailed description of the PLR Charge
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Maker Date
Author Date
b. PLR Detail Setup Master The PLR Detail Setup Master contains details of the PLR Detail Setup.
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Figure 4-92: The PLR Detail Setup Master screen The following table describes the data required in the PLR Detail Setup Master. Field
Description
Remarks
PLR Charge Type
The Type of the PLR charge
-
Currency type Rate type
The type of Currency The type of Rate
-
Effective date
The date from which the rate is effective
-
PLR
The PLR
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is authorised
Maker Date
Status
Author Id Author Date
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The system generates this information when the record is added/ modified or authorised
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Property Master
a. Property Master The Property Master describes the details of the property for which loan is sought.
Figure 4-93: The Property Master screen The following table describes the data required in the Property Master.
Field
Description
Remarks
Property type Id
The Id assigned to the property type.
-
Property Type
The type of the property.
-
Property Description
The brief description of the property.
Maker Id Maker Date
Status
Author Id Author Date
© Nucleus Software Exports Ltd.
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
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b. Property Document Master The Property Document Master describes the details of the documents required for which loan is sought.
Figure 4-94: The Property Document Master screen The following table describes the data required in the Property Document Master.
Field
Description
Remarks
Property Name
The name of the property.
-
Document Id
The ID of document to which property is mapped.
-
Document Name
The name of the document to which the property is mapped.
-
4.2.11.15
Region Master
The Region Master contains the details of the region.
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Figure 4-95: The Region Master screen The following table describes the data required in the Region Master. Field
Description
Remarks
Region Id
The Region Id
-
Region Description
The Description of the Region
-
Region Abbreviation
The abbreviation of the region.
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Maker Date
Status
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
Author Date
4.2.11.16
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
State Master
The State Master contains details of the states.
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Figure 4-96: The State Master screen The following table describes the data required in the State Master. Field
Description
Remarks
State Id
The State Id
-
State Description
The Description of the State
-
Country
The country within which the state exists
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Maker Date
Status
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
Author Date
4.2.11.17
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Building Wing Details Master
The Wing Details Master contains details of the building wing.
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Figure 4-97: The Wing Details Master screen The following table describes the data required in the Wing Detail Master. Field
Description
Remarks
Builder Name
The name of the builder.
-
Project Name
The name of the project.
-
Building Name
The name of the building.
-
Wing Id
The Id assigned to the wing.
-
Wing Name
The name of the wing.
-
Total Flats
The total number of flats.
-
Flats Per floor
The number of flats on each floor.
-
Current Exposer Wing
The wing for which the exposed amount has been used.
-
Exposure Amount
The limit of the loan approved for the project by the financing institute.
-
Exposed Flats
The number of flats for which the loan has been approved by the financing institute.
-
Exposure Flats
The number of flats for which the exposed amount has been used.
-
Maker Id Maker Date
Status
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Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added
The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added/
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Author Id
Id of the user who has authorised the record in the system
Author Date
Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
4.2.11.18
record is added/ modified or authorised The system generates this information when the record is authorised
Zip Code Master
The Zip Code Master contains details of the Zip codes.
Figure 4-98: The Zi p Code Master screen The following table describes the data required in the Zip Code Master. Field
Description
Remarks
Zip Code Id
The Id of the Zip Code
-
State
The State in which the Zip Code exists
-
City
The city associated with the Zip Code
-
Range
The range can be either single or multiple
-
Zip Code Zip Description
The Zip Code The description of the Zip Code.
-
District
The District associated with the Zip Code
-
Maker Id
Id of the user who has added the record in the system
Maker Date
Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added
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Status
The current status of the record. The status can be Inserted, Modified or Authorised.
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
Author Date
4.2.11.19
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Public Rating Master
The Public Rating Master contains details of the public rating.
Figure 4-99:The Public Rating Master screen The following table describes the data required in the Public Rating Master. Field
Description
Remarks
Public Rating ID
The ID of the Public Rating
-
Rating Code
The Rating given by the public The code of the public rating
-
Value
The Value given by the Public rating
-
Maker Id
Id of the user who has added the record in the system
Maker Date
Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Status
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Author Id
Id of the user who has authorised the record in the system
Author Date
Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
4.2.11.20
The system generates this information when the record is authorised
Referral Master
a. Referral Master
Figure 4-100: The Referral Master screen The following table describes the data required in the Referral Master. Field
Description
Remarks
Referral ID
The identification assigned to the referral
Referral Code
The identification code assigned to the referral
-
Company Name
The name of the company
-
Referral Name
The name of the referral
-
Incentive Flag
-
Referral Group
A marked checkbox indicates incentives for the referral Type of referral
Product Category
Type of loan for which referral is defined
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
Maker Date
Status
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-
The system generates this information when the record is added The system generates this information when the record is added/ modified or authorised
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Author Id
Id of the user who has authorised the record in the system
Author Date
Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is authorised
b. Address Setup
Figure 4-101: The Referral Master The following table describes the data required in the Referral Address Master. Field Contact person BP Id Address Address Type Country State City STD/ISD Zip code Phone 1 Phone 2
© Nucleus Software Exports Ltd.
Description
Remarks
The name of the person who has referred a customer The identification code assigned to the business partner The address of the referring customer The type of the address
-
The country where the referring customer is located The state where the referring customer is located The city where the referring customer is located The STD/ISD code of the referring customer’s phone The zip code where the referring customer is located The first phone number of the referring customer The second phone, if any, of the referring customer
-
This is auto-generated by the system -
-
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FAX Mobile E-mail TELEX Pager Years at this Address Mailing address
The pager number, if any, on which the referring customer can be contacted The number of years that the referring customer is living at the given address Checked option box means the given address type can be used as the mailing address
Inactive
A selected check box indicates that the given address is no more applicable
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
Maker Date
Status
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
Author Date
4.2.11.21
Checked option box means the given address type can be used as the mailing address With this functionality, you do not need to delete an inactive address The system generates this information when the record is added
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Source Code Master
The Source Code Master contains details of the source.
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Figure 4-102: The Source Code Master screen The following table describes the data required in the Source Code Master.
Field
Description
Remarks
Source Id
The Id assigned to the source.
-
Source Code
The code assigned to the source.
-
Source Description
The brief description of the source.
-
Product Category
The category of the loan.
-
Acquisition Channel
The channel through which The customer is acquired.
-
Distribution Channel
The distribution channel for the source.
-
Solicitation Method
The method of solicitation.
-
Activation Process
The code assigned to the type of interest levied. This is applicable only for credit cards.
-
Interest Code Rate
Interest Deviation Rate
The percentage deviation that can be allowed on the interest. This is applicable only for personal loans.
-
Membership Fee Code
The code assigned to the fee to be charged on the membership.
-
Credit Invest. Process
The Credit investigation to check the credit worthiness of the customer. It can be internal or external.
-
This indicates if the current status of the source is active.
-
Active Flag © Nucleus Software Exports Ltd.
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Name of Program
The name of the program.
-
Incentive Flag
This indicates if the incentive is allowed to the source.
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
Maker Date
Status
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
Author Date
4.2.11.22
The system generates this information when the record is added The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Trade Customer Master
The Trade Customer Master contains details of the trade customer.
Figure 4-103: The Trade Customer Master screen The following table describes the data required in the Public Rating Master. Field
Description
Remarks
Trade Id Customer
The ID of the Trade The name of the customer
-
Trace/Credit
Trace or credit, as applicable
-
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Reference name
The nam e of the reference
-
Relation
The relation
-
Reference Sales Person
The Reference The Sales person
-
Contact mode
The mode of contact, it could be Fax, mail, Personal, or telephone Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
-
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
Author Id
Id of the user who has authorised the record in the system
Author Date
Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Maker Id Maker Date
The system generates this information when the record is added
4.3 Field Verification Masters Masters in this category involve all the details related to FI Agent, Agency setup, FI Type, and Technical verification. There are 5 Masters in this category as shown in Figure 3-87. These are described below.
Figure 4-104: Field Verification Masters screen
4.3.1
FI Agent Master
The FI Agent Master Contains details of the FI Agent.
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Figure 4-105:The FI Agent Master screen The following table describes the data required in the FI Agent Master. Field
Description
Remarks
Agent Code
The code number of the Agent
-
Agent Name
The name of the Agent
-
Agency
The agency that the Agent belongs to
-
Agent Active Business Date
In case the Agent is active The date when the transaction is carried out
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Maker Date
Status
Author Id
Id of the user who has authorised the record in the system
Author Date
Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
4.3.2
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Agency Setup
a. Agency Master The Agency Master contains details of the agencies, services of which can be used for field verification. © Nucleus Software Exports Ltd.
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Figure 4-106: The Agency Master screen
The following table describes the data required in the FI Agent Master. Field
Description
Remarks
Agency Id
The Agency Id
-
Agency Flag
Indicates whether the agency is internal or external
-
Agency Name
The name of the agency
-
Agency Active Flag
Indicates if the selected agency is currently active or not Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
-
Maker Id Maker Date
Status
Author Id Author Date
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
b. Address Setup Master The Address Setup Master contains the address details. © Nucleus Software Exports Ltd.
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Figure 4-107: The Address Setup Master screen
The following table describes the data required in the Address Setup Master. Field
Description
Remarks
Contact Person BP Id
The name of the contact person The identification code of the business partner
-
Address
The address of the concerned person
-
Address Type
The type of the address
-
Country
-
State
The country of residence of the concerned person The state where the concerned person lives
City
The city where the concerned person lives
-
STD/ISD
The STD/ISD code of the concerned person
-
Zip code
The zip code of the residence of the concerned person lives The first phone number where the concerned person can be contacted The alternative phone, if available, where the concerned person can be contacted
-
The fax number, where messages can be faxed to the concerned person The mobile number, in case available, of the concerned person The e-mail Id of the concerned person
-
The TELEX number of the concerned person The pager number, in case available, of the concerned person
-
Phone 1 Phone 2 FAX Mobile E-mail TELEX Pager
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-
-
-
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Years at This address
The number of years the person has resided in this address
-
Mailing address
Checked option box means the given address type can be used as the mailing address
Checked option box means the given address type can be used as the mailing address
Inactive
A selected check box indicates that the given address is no more applicable
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
With this functionality, you do not need to delete an inactive address The system generates this information when the record is added
Maker Date
Status
Author Id Author Date
c.
Id of the user who has authorised the record in the system Date and tim e when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Address Type Setup Master
The Address Setup Master contains the types of addresses of the agency that can be added to the system, such as office address, mailing address, and registration address.
Figure 4-108: The Address Type Setup Master screen The following table describes the data required in the Address Type Setup Master. Field Address Type ID
© Nucleus Software Exports Ltd.
Description The unique identification Id assigned to the address type
Remarks -
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4.3.3
Masters Manual, V 3.2 A brief description of the address type
-
FI Type Master
The FI Type Master contains details of the FI Type.
Figure 4-109: The FI Type Master screen
The following table describes the data required in the FI Type Master. Field
Description
Remarks
FI Type Code
The Code of the FI Type
-
FI Type Description Maker Id
The Description of the FI Type Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Maker Date
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
Author Date
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FI Agency Product Branch Mapping Master
The FI Agency Product Branch Mapping Master contains details of the FI Agency Product Branch Mapping.
Figure 4-110: The FI Agency Product Branch Mapping Master screen The following table describes the data required in the FI Agency Product Branch Mapping Master. Field
Description
Remarks
FI Agency Product Branch ID
The ID of the FI Agency Product Branch
-
FI Agency Product Branch name FI Agency
The name of the FI Agency Product Branch
-
The name of the FI Agency
--
Branch
The Branch of the FI Agency
-
Product
The Product may be Auto loan, home loan or Personal loan Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
-
Maker Id Maker Date
Status
Author Id Author Date
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Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
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Technical Verification Master
The technical Verification Master contains details of the Technical Verification.
Figure 4-111: The Technical Verification Master screen The following table describes the data required in the Technical Verification Master. Field
Description
Remarks
Verification ID
The ID of the verification
-
Verification For
-
Agency
Product for which verification is required. It can be a Property, Project or Building The name of the agency doing FI
Project
In case it is a project for which FI is being done
-
Property
In case it is a property for which the FI is being done The name of the builder
-
-
Verification date
In case it is a building for which the FI is being done The date of verification
Verification (%) Remarks
The percentage of verification. The remarks
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added
Builder Building
Maker Date
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-
-
-
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Status
The current status of the record. The status can be Inserted, Modified or Authorised.
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
Author Date
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
4.4 Processes Masters Masters in this category involve all the details related to Policy referral, Score referral, Fuzzy details, and Underwriter questions. There are 4 Masters in this category as shown in Figure 3-94. These are described below.
Figure 4-112: The Processes Masters screen
4.4.1
Policy Master
a. Policy Master The Policy Master contains details of the policy referral.
Figure 4-113: The Policy Master screen © Nucleus Software Exports Ltd.
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The following table describes the data required in the Policy Master. Field
Description
Remarks
Policy Set Code
The Code of the Policy set
-
Policy description
The description of the policy
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is authorised
Maker Date
Status
Author Id Author Date
The system generates this information when the record is added/ modified or authorised
b. Policy Detail Master The Policy Detail Master contains details of the Policy Detail.
Figure 4-114: The Policy Detail Master screen The following table describes the data required in the Policy Detail Master. Field
Description
Remarks
Policy Rule
The Policy Rule
-
Policy Set Code
The code of the Policy Set
-
Result Rule Sequence
The Result The Sequence of the Rule
-
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Maker Id
Id of the user who has added the record in the system
Maker Date
Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
Status
Author Id Author Date
c.
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Policy Result Master
The Policy Result Master contains details of the policy result.
Figure 4-115: The Policy Result Master screen The following table describes the data required in the Policy Result Master. Field
Description
Remarks
Result Id
The Id of the Result
-
Policy Set Code
The Code of the Policy Set
-
Result Stream Policy action
The Result Stream Policy Action may be Black or White or Grey
-
Result Description
The Description of the result
-
Action Priority
The Action Priority
-
Maker Id
Id of the user who has added the record in the system
The system generates this information when
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information when the record is added
Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
Status
Author Id
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Id of the user who has authorised the record in the sys tem Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
Author Date
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Score Master
a. Scoring Master The Scoring Master contains details of the Scoring.
Figure 4-116: The Scoring Master screen The following table describes the data required in the Scoring Master. Field
Description
Remarks
Scoring Set Code
The Code of the scoring set
-
Scoring Description Maker Id
The description of the scoring Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added
Maker Date
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Status
The current status of the record. The status can be Inserted, Modified or Authorised.
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
Author Date
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
b. Scoring Rule Detail Master The scoring Rule Detail Master contains details of the scoring rule.
Figure 4-117: The Scoring Rule Detail Master screen The following table describes the data required in the Scoring Rule Detail Master. Field
Description
Remarks
Rule code Scoring Set Code
The code of the Rule The code of the scoring Set
-
Score
The Score
-
Maker Id
Id of the user who has added the record in the system
Maker Date
Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Status
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The system generates this information when the record is added/ modified or authorised
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Author Id
Id of the user who has authorised the record in the system
Author Date
Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
c.
The system generates this information when the record is authorised
Scoring Action Master
The Scoring Action Master contains details of the Scoring Action.
Figure 4-118:The Scoring Action Master screen The following table describes the data required in the Scoring Action Master. Field
Description
Remarks
Scoring set code Score Start value
The code for the scoring set The start value of the score
-
Score End Value
The end value of the score
-
Result description
The des cription of the result
-
Scoring Action
The Scoring Action
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
Author Id
Id of the user who has authorised the record in the system
The system generates this information when the record is added/ modified or authorised The system generates this information when
Maker Date
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information when the record is authorised
Fuzzy Detail Master
The Fuzzy Detail Master contains the Fuzzy Details.
Figure 4-119: The Fuzzy Detail Master screen The following table describes the data required in the Fuzzy Detail Master. Field
Description
Fuzzy Rule Code Fuzzy Rule Description
The code for the Fuzzy Rule The Description for the Fuzzy rule
First Rule
The first rule
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
Maker Date
Status
Author Id
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Id of the user who has authorised the record in the system
Remarks
The system generates this information when the record is added The system generates this information when the record is added/ modified or authorised The system generates this information when
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information when the record is authorised
Underwriter Question Setup Master
a. Question Master The Question Master contains details of the questions to be asked during underwriting.
Figure 4-120: The Question Master screen The following table describes the data required in the Question Master. Field
Description
Remarks
Question ID Question Desc
The ID of the question The description of the question
-
Std. Response
The Standard response to the question
-
Employment type
The type of the employment
-
Parent Question Id
The Id of the parent Question
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
Maker Date
The system generates this information when the record is added
b. Question Deviation Master The Question Deviation Master contains details of the question deviation.
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Figure 4-121: The Question Deviation Master screen The following table describes the data required in the Question Deviation Master. Field
Description
Remarks
Question ID Response
The ID of the question The Response to the question
--
Deviation
The Deviation
-
c.
Product Category Mapping Master
The product Category Mapping Master contains details of the product category mapping.
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Figure 4-122: The Product Category Mapping Master screen The following table describes the data required in the Product category Mapping Master. Field
Description
Remarks
Question Id
The Id of the Question
-
Mapping Id
The Id of the Mapping
-
Product category
The category of the product which can be Auto, Personal, or Home
-
Product
The applicable loan product
-
4.5 Rule Engine Masters Masters in this category involve all the details related to Parameter, Condition, and Rule. There are 3 Masters categories in this category as shown in Figure 3-105. These are described below.
Figure 4-123: The Rule Engine Masters screen
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Parameter Master
The Parameter Master contains details of the parameters.
Figure 4-124: The Parameter Master screen The following table describes the data required in the Parameter Master. Field
Description
Remarks
Parameter Id
The Id of the parameter
-
Parameter Name Parameter Type
The Name of the parameter The Type of the parameter. It can be Constant, Path or Query.
-
Applicant Specific
-
Path/Query
-
Parameter Data type Maker Id Maker Date
Status
Author Id Author Date
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This can be Data, Number or Varchar2. Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
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Condition Master
The Condition Master contains details of the conditions.
Figure 4-125: The Condition Master screen The following table describes the data required in the Condition Master. Field
Description
Remarks
Condition Code
The Code of the condition
-
Parameter
The parameter applicable to the code
-
Operator Type
The type of the operator.
-
Destination Type Constant Value
The type of the Destination The value of the constant
-
Condition Description
The description of the condition
-
Message on failure
The message that is returned on failure
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Maker Date
Status
Author Id Author Date
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Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
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Rule Master
The Rule Master Contains details of the rules that govern the processing procedures for a loan application .
Figure 4-126: The Rule Master screen The following table describes the data required in the Scoring Action Master. Field
Description
Remarks
Rule Code
The code for the Rule
-
Rule Description
The Description of the Rule
-
Rule Condition
The Condition of the Rule
-
Rule Enabled
The check mark indicates whether enabled or not Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
-
Maker Id Maker Date
Status
Author Id Author Date
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Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
The system generates this information when the record is added The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
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4.6 Documents Masters Masters in this category involve all the details related to Document header and Document Master. There are 2 Masters in this category as shown in Figure 3-109. These are described below.
Figure 4-127: The Documents Masters screen
4.6.1
Document Header Master
The Document Header Master contains details of the Document Header.
Figure 4-128: The Document Header Master screen The following table describes the data required in the Document Header Master. Field
Description
Remarks
Document Description
The description of the document
-
Parent Document
The name of the parent document
-
Document Field1 Document Field2
First document name Second document name
--
Validity Required
Indicates if validity is required
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RCU Required
In case RCU needs to be done
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
The system generates this information when the record is authorised
Maker Date
Status
Author Id Author Date
4.6.2
The system generates this information when the record is added/ modified or authorised
Document Master
The document Master contains details of the document.
Figure 4-129: The Document Master screen The following table describes the data required in the Document Master. Field
Description
Remarks
Document
The name of the document
-
Stage Applicable
The stage of the document Indicates if the document is applicable or not
-
Document Source
The source of the document
-
Document Description
The description of the document
-
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Constitution
The constitution
-
Sub category
The sub category
-
Doc. Classification
-
Original
The classification of the document. It can be general, legacy or security Whether the document is required in original
Loan Type
IT can be Hire purchasing, leas e or other
-
Product category
Category of the associated loan product
-
Product Scheme
The loan product The Scheme that is applicable
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Maker Date
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
Author Date
-
4.7 Deduping Masters Masters in this category involve all the details related to Deduping. There are 5 Masters in this category as shown in Figure 3-112. These are described below.
Figure 4-130: The Deduping Masters screen
4.7.1
Fraud Database Setup Master
a. Dedupe Fraud Database Master © Nucleus Software Exports Ltd.
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The Dedupe Fraud database Master contains details of the Dedupe fraud database.
Figure 4-131: The Dedupe Fraud Database Master screen The following table describes the data required in the Dedupe Fraud Database Master. Field
Description
Remarks
Name
The name of the person
-
Age
The age of the person
-
Father name
The name of the person’s Father
-
Constitution Spouse name
The constitution of the person The name of the person’s spouse
-
Industry
The industry the person belongs to
-
Group
The group the person belongs to
-
CST No.
The CST Number
-
SST No. Category
The SST Number The category the person belongs to
-
Profession
The profession of the person
-
Comment
The remarks, if any
-
IT No.
The IT number
-
National ID Phone
The National ID of the person The phone number of the person
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added
Maker Date
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Status
The current status of the record. The status can be Inserted, Modified or Authorised.
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
Author Date
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
b. Address Detail Master The Address detail Master contains details of the address.
Figure 4-132: The Address Detail Master screen The following table describes the data required in the Address Detail Master. Field
Description
Remarks
Contact person
The name of the contact person
-
BP Id
The BP Id of the person
-
Address
The address of the person
-
Address Type
The type of the address
-
Country State
The country of residence. The state of residence
-
City
The city of residence
-
STD/ISD
The STD/ISD code
-
Zip code
The zip code of the residence
-
Phone 1 Phone 2
The first phone number The second phone, in case available
-
FAX
The FAX number
-
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Mobile
The mobile number, in case available
-
E-mail
The Email Id of the person.
-
TELEX Pager
The TELEX number The pager number, in case available.
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Maker Date
Status
Author Id
Id of the user who has authorised the record in the system
Author Date
Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
c.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Dedupe Detail Master
The Dedupe Detail Master contains details of Dedupe.
Figure 4-133: Dedupe Detail Master screen The following table describes the data required in the Dedupe Detail Master. Field
Description
Remarks
First name Last Name
The first name of the applicant The last name of the applicant
-
Date of Birth
The date of birth in the dd/mm/yyyy format
-
City
The city of residence
-
Resi. Zip code
The Zip code of the residence
-
Resi Phone no. Office Zip Code
The Residence phone number The zip code of the office
-
Office phone number
The office phone number
-
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Address
The address
-
Company name
The name of the company
-
Status
The current status
-
4.7.2
Dedupe Parameter Master
The Dedupe Parameter Master contains details of the Dedupe parameters.
Figure 4-134: The Dedupe Parameter Master screen The following table describes the data required in the Dedupe Parameter Master. Field
Description
Remarks
Parameter
The Parameter
-
Token Required
The type of token required
-
Database Type
The type of database
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
The system generates this information when the record is authorised
Maker Date
Status
Author Id Author Date
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The system generates this information when the record is added/ modified or authorised
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Dedupe Weights Master
The Dedupe Weights Master Contains details of dedupe weights.
Figure 4-135: The Dedupe Weights Master screen The following table describes the data required in the Dedupe Weights Master. Field
Description
Remarks
Dup code Dup. Code Desc.
The Dup Code The Description of the Dup. Code
-
Dup Code value
The Value of the Dup code
-
Maker Id
Id of the user who has added the record in the system
Maker Date
Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Status
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
Author Date
4.7.4
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Dedupe Dictionary Master
The dedupe Dictionary Master contains details of the dedupe dictionary.
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Figure 4-136: The Dedupe Dictionary Master Screen The following table describes the data required in the Dedupe Dictionary Master. Field
Description
Remarks
Full Name
The full name
-
Short name
The short name
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is authorised
Maker Date
Status
Author Id Author Date
4.7.5
The system generates this information when the record is added/ modified or authorised
Dedupe Check Master Setup
a. Check Master The Check Master contains details of the check.
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Figure 4-137: The Check Master screen The following table describes the data required in the Check Master. Field
Description
Remarks
Check ID Check Description
The ID of the Check The description of the check
-
Referral Weight
The Referral Weightage
-
Database check
In case positive , negative or both
-
Max records displayed Maker Id
The maximum number of records displayed
-
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Maker Date
Status
Author Id Author Date
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
b. Check Details Master The check details Master contains details of the check.
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Figure 4-138: The Check Details Master screen The following table describes the data required in the Dedupe Weights Master. Field
Description
Remarks
Check ID
The ID of the check
-
Parameter Parameter Priority
The parameter to be checked The Priority of the parameter
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Maker Date
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
Author Date
4.8 Workflow Masters Masters in this category involve all the details related to Workflow. There are five Masters in this category, as shown in Figure 3-121. These are described below.
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Figure 4-139: The Workflow Masters Screen
4.8.1
Activity Master
a. Activity Master The Activity Master contains details of the activity.
Figure 4-140:The Activity Master Screen The following table describes the data required in the Activity Master.
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Field
Description
Remarks
Activity
The stage of the loan processing procedure
-
Activity Name
The activity name
-
Responsible Role
User Role who can perform the activity
-
Activity Description
The Description of the activity
-
Activity Status Rule
The status of the activity The rule code
-
Responsibility
Name of the user group responsible for performing the activity Number of days allowed to complete the activity. If the activity is incomplete after the specified number of days, the system moves it to the Cancel queue. The activity that must follow this activity
-
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Aging Days
Next Activity Maker Id Maker Date
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
Author Date
-
-
b. Show Activity Master The Show Activity Master contains details of the show Activity.
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The following table describes the data required in the Show Activity Master. Field
Description
Remarks
Activity
The stage of the loan processing procedure
-
Show Activity
The show activity
-
Editable
Whether editable
-
Status
The current status
-
4.8.2
Queue Master setup
a. Queue Master The queue Master contains details of the queue.
Figure 4-142: The Queue Master Screen The following table describes the data required in the Queue Master. Field
Description
Remarks
Queue Id Copy Queue
The Id of the Queue
On clicking this button, another screen opens up.
Queue name Template
The name of the queue The type of the template from the APS database
-
Queue Description
The description of the queue.
-
Maker Id
Id of the user who has added the record in the system
The system generates this information
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Maker Date
Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
information when the record is added
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
Author Id
Id of the user who has authorised the record in the system
Author Date
Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
b. Queue Allocation Master The Queue Allocation Master contains details of the queue allocation.
Figure 4-143: The Queue Allocation Master screen The following table describes the data required in the Queue Allocation Master. Field
Description
Remarks
Queue Id
The ID of the Queue
Auto-generated
Allocation Auto Allocation
--
Rule
This can be Role or User If automatic allocation is applicable, then the next role selected The Rule ID
Priority
If priority is to be given to the rule
-
Role
The Role ID
-
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Maker Id
Id of the user who has added the record in the system
Maker Date
Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
Status
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
Author Date
4.8.3
The system generates this information when the record is added
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Escalation Master Setup
a. Escalation Master The Escalation Master contains details about the Escalation.
Figure 4-144: The Escalation Master screen The following table describes the data required in the Escalation Master. Field
Description
Remarks
Escalation Id
The Id of the Escalation
-
Escalation Description
The description of the escalation
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added
Maker Date
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Status
The current status of the record. The status can be Inserted, Modified or Authorised.
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
Author Date
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
b. Escalation Level Master The Escalation Level Master contains details of the escalation level.
Figure 4-145: The Escalation Level Master screen The following table describes the data required in the Escalation Level Master. Field
Description
Remarks
Level
The level to which issue to be escalated
-
Escalation Id
The Id of the Escalation
Auto-generated
Turn Around Time
The Turn around time allowed
-
Template
The template
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added
Maker Date
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Status
The current status of the record. The status can be Inserted, Modified or Authorised.
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
Author Date
c.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Escalation Level-User Mapping Master
The Escalation Level-User Mapping Master contains details of the Escalation level-User mapping.
Figure 4-146: Escalation Level-User Mapping Master screen The following table describes the data required in the Escalation level – user Mapping Master. Field
Description
Escalation Level ID Role Id
4.8.4
Remarks
The Escalation level ID
Mandatory
The Id of the User Role
Mandatory
Deviation Master Setup
a. Deviation Master The Deviation Master contains details of the deviations.
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Figure 4-147: The Deviation Master screen The following table describes the data required in the Deviation Master. Field
Description
Remarks
Deviation Id
The Id of the deviation
-
Deviation Description
The description of the deviation
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Maker Date
Status
Author Id Author Date
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
b. Deviation Detail Master The Deviation Detail Master contains details of the deviation detail.
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Figure 4-148: The Deviation Detail Master screen The following table describes the data required in the Deviation Detail Master. Field
Description
Remarks
Deviation Id
The Id of the deviation
-
Deviation Rule
The rule of deviation
-
Product
-
Role
The loan product. The options can be Auto, Home, or Personal. The role of the person
Priority
The priority to be given to the deviation
-
Template
The type of template to be followed
-
Description
The description of the deviation
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Maker Date
Status
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
Author Date
4.8.5
-
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Workflow Master Setup
a. Workflow Master
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The Workflow Master defines the type of workflow.
Figure 4-149: The Workflow Master Screen The following table describes the parameters that are required for defining a type of workflow. Field
Description
Remarks
Workflow Id
The Id of the workflow
-
Workflow name
The name of the workflow
-
Workflow Description
The description of the workflow
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Maker Date
Author Date
b. Workflow –Activity Mapping Master The Workflow –Activity Mapping Master contains details of workflow –activity mapping.
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Figure 4-150: The Workflow –Activity Mapping Master screen The following table describes the data required in the Workflow –Activity Mapping Master. Field
Description
Remarks
Activity
The stage of the loan processing
-
Workflow Id
The Id of the workflow
Completion Rule
The Rule for completion
This is system generated -
Description
The description
-
Template
The template to be followed
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Maker Date
Status
Author Id Author Date
c.
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Workflow Activity Movement
The Workflow Activity Movement Master contains the details of the Workflow Activity Movement.
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Figure 4-151: The Workflow Activity Movement Master screen The following table describes the data required in the Workflow –Activity Mapping Master. Field
Description
Remarks
Activity
The activity
-
Workflow Id
The Id of the workflow
-
Target Activity rule
The rule for the target activity
-
Priority Next activity
Indicate if priority is to be given The next activity
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Maker Date
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
Author Date
d. Workflow Activity DEQ Mapping The Workflow Activity DEQ Mapping Master Contains details of the Workflow Activity DEQ Mapping.
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Figure 4-152 The Workflow Activity DEQ Mapping Master screen The following table describes the data required in the Workflow Activity DEQ Mapping Master. Field
Description
Remarks
Activity
The activity
-
Deviation
The deviation mapping
--
Escalation
The Escalation mapping
--
Queue Maker Id
The Queue mapping Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Maker Date
Status
Author Id Author Date
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
4.9 Product and Scheme Masters Masters in this category involve all the details related to Product and scheme. There are 5 Masters in this category as shown in Figure 3-135. These are described below.
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Figure 4-153: The Product and Scheme Masters screen
4.9.1
Product Category Setup
The Product Category Setup Master defines the various loan products that will be dealt with by the bank.
Figure 4-154: The product Category Setup Master screen The following table describes the parameters to define in the Product Category Setup Master. Field
Description
Remarks
Product Category Description
The category of the loan product The description of the loan product category
-
No. of Days in Year
The number of days in the year
-
Loan Type
The type of loan
-
Work Flow
The type of workflow applicable to the loan product being defined.
The dropdown list displays all the types of workflow defined in the Work Flow Master
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Form Setup
The type of form that needs to be set up for the loan product
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
Maker Date
Status
Author Id
Id of the user who has authorised the record in the system
Author Date
Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
4.9.2
In this version of APS, only default form set up can be selected The system generates this information when the record is added The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Product Setup
a. Product Master The product Master contains details of the loan product.
Figure 4-155: The Product Master screen The following table describes the data required in the Product Master.
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Field
Description
Remarks
Product Code
The code number assigned to the loan product
Mandatory
Product Description
The description of the loan product
-
Work Flow
The type of workflow applicable to the loan product being defined.
Product Category
The category of the loan product, if it is home loan, auto loan or personal loan Indicates whether the loan product is applicable to retail or corporate The type of form that needs to be set up for the loan product
The dropdown list displays all the types of workflow defined in the Work Flow Master Mandatory
Retail/Corporate Form Setup
Loan Norms Reqd. Common COA Grace Days Asset based
Indicates whether loan norms are required for the loan product The COA value
Mandatory In this version of APS, only default form set up can be selected -
Reset
The grace days allowed Indicates whether the product is assert based, which means if it is applicable to the specified assets Resetting Tenure or EMI
Grace Amount
The Grace amount
-
Min. IRR NO. of EMI
The minimum IRR The Number of EMI
-
Product type code
The type code of the product
-
Collateral Code
The code of the Collateral
-
Loan Type
The loan type can be hire purchasing, leasing or other The type of logo required in the card.
-
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Logo Maker Id Maker Date
Status
Author Id
Id of the user who has authorised the record in the system
Author Date
Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
-
-
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
b. Exposure and Terms Master The Exposure and Terms Master contains details of the Exposure and terms.
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Figure 4-156: The exposure and Terms Master screen The following table describes the data required in the Exposure and Terms Master. Field
Description
Remarks
Exposure Tracking Customer Group level
The Exposure Tracking customer The Exposure Tracking group
-
Branch level
The Exposure Tracking branch
-
Dealer / DSA
The Exposure Tracking Dealer or DSA
-
Eligibility Reqd.
The Exposure Tracking eligibility required
-
Terms CoApplicant required.
Indicates whether Co-applicant is required
-
Guarantor required
Indicates whether Guarantor is required
-
Security Required
Indicates whether security is required
-
Relationship discount
Indicates whether Relationship discount is given
-
Balance Transfer care Professional discount
Indicates whether Balance Transfer care is taken Indicates whether professional discount is allowed
-
Foreclosure allowed
Indicates whether foreclosure is allowed
-
Foreclosure penalty
Indicates whether there is penalty for foreclosure
-
Foreclosure lock period
The foreclosure lock period
-
Prepayment allowed Prepayment penalty
Indicates whether Prepayment is allowed Indicates whether there is penalty for prepayment
-
Prepayment lock period
The prepayment lock period
-
Life insurance
Whether there is life Insurance
-
Maker Id
Id of the user who has added the record in the system
The system generates this information when
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Status
Author Id Author Date
c.
Masters Manual, V 3.2 information when the record is added
Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
Product-State Master
The Product-State Master contains details of the product state.
Figure 4-157: The Product -State Master screen The following table describes the data required in the Product –State Master. Field
Description
Add all States
Indicates if all the states need to be added
State
The State where the loan product is applicable
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
Remarks If you select All States, you do not need to add name of the state separately The system generates this information when the record is added/ modified or authorised
d. Product –Make Master The Product –Make Master contains details of the Product Make.
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Figure 4-158: The Product – Make Master screen The following table describes the data required in the Product –Make Master. Field
Description
Remarks
Model
The make of the asset
-
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added/ modified or authorised
e. The Product –Policy Master The Product –Policy Master contains details of the product policy.
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The following table describes the data required in the Product-Policy Master. Field
Description
Remarks
Default rule
Whether default rule is to be applied
Rule
The rule that is to be applied
Policy
The policy to be applied to the scheme
If you select Default Rule, you do not need to specify the rule -
Description
The description of the scheme
-
Priority
The priority
-
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added/ modified or authorised
f.
Product Scoring Master
The Product Scoring Master contains details of the product scoring.
Figure 4-160: The Product-Scoring Master screen The following table describes the data required in the Product –Scoring Master. Field
Description
Remarks
Default rule
Whether default rule is to be applied
-
Rule Scoring
The rule that is to be applied The scoring of the product
-
Description
The description
-
Priority
The priority
-
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added/ modified or authorised
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Scheme Group
a. Scheme Group Master The Scheme Group Master contains details of the scheme group.
Figure 4-161: The Scheme Group Master screen The following table describes the data required in the Scheme Group Master. Field
Description
Remarks
Scheme Group Id
The Id of the scheme group
-
Description Start Date
The description of the scheme group The start date of the scheme is dd/mm/yyyy format The end date of the scheme is dd/mm/yyyy format
-
The loan product, such as Auto , Home or Personal. The type of workflow applicable to the loan product being defined.
--
End Date Product Work Flow
Form Setup
The type of workflow applicable to the loan product being defined.
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
Maker Date
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Status
The current status of the record. The status can be Inserted, Modified or Authorised.
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format.
Author Date
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
b. Scheme Group – State Master The Scheme Group – State Master contains details of the scheme group-state.
Figure 4-162: The Scheme Group – State Master screen The following table describes the data required in the Scheme Group –State Master. Field
Description
Add all States
Whether all states are to be added
State
The State where the scheme is applicable
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
c.
Remarks If you select All States, you do not need to add name of the state. Names of all the states are added by the system The system generates this information when the record is added/ modified or authorised
Scheme Group – Policy Master
The Scheme Group – Policy Master contains details of the Scheme Group –Policy.
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Figure 4-163: The Scheme Group – Policy Master screen The following table describes the data required in the Scheme Group –Policy Master. Field
Description
Remarks
Default rule
Whether default rule is to be applied
-
Rule
The rule that is to be applied
-
Policy Description
The policy of the product The description of the rule and policy applied
-
Priority
The priority to be given to the [olicy
-
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added/ modified or authorised
d. Scheme Group – Scoring Master The Scheme Group – Scoring Master contains details of the Scheme Group – Scoring.
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Figure 4-164: The Scheme Group – Scoring Master screen The following table describes the data required in the Scheme Group –Scoring Master. Field
Description
Remarks
Default rule
Whether default rule is to be applied
-
Rule
The rule that is to be applied
-
Scoring
The scoring of the product
-
Description
The description of the rule and the scoring applied to it The priority to be given to the rule
-
The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added/ modified or authorised
Priority Status
4.9.4
-
Scheme Masters
a. Scheme Master The Scheme Master contains details of the scheme.
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Figure 4-165: The Scheme Master screen The following table describes the data required in the Scheme Master. Field
Description
Remarks
Scheme Id
The ID of the Scheme
-
Description Scheme Group
The description of the scheme The group associated with the scheme
-
Work flow
The type of workflow applicable to the loan product being defined.
Form Setup
The type of form that needs to be set up for the loan product
Currency
The Currency in which payment is to be made
The dropdown list displays all the types of workflow defined in the Work Flow Master In this version of APS, only default form set up can be selected -
Installment Mode
The mode of the instalment to be paid. This may be advance or arrears
-
Min Tenure Max Tenure
The minimum tenure of the loan under the scheme The maximum tenure of the loan under the scheme
-
Default Tenure
The default tenure of the loan under the scheme
-
Instalment Plan
The Instalment plan under the scheme
-
Frequency
The instalment frequency under the scheme
-
No. of Installments Min Amount Fin.
Number of instalments under the scheme The minimum amount that can be financed under the scheme
-
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Max amount Fin.
The maximum amount that can be financed under the scheme
-
Loan Type
The type of loan for which the scheme is defined.
LTV
The loan to value ratio
The dropdown list displays all the types of workflow defined in the Work Flow Master -
Prepay Penalty
The penalty for pre-payment
-
Add on Late Flag
A marked checkbox indicates that additional facilities can be added later
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
Author Id
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
Maker Date
Author Date
b. Interest/LPP Master The Interest/LPP Master contains details of the Interest/LPP.
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The following table describes the data required in the Interest /LPP Master. Field
Description
Remarks
Interest type
The type of interest
-
Default rate
The default rate of interest.
-
Min. Rate
The minimum rate of interest
-
Max. rate Bucket
The Maximum rate of interest The Bucket
-
Adj. Ex. Interest
Adjustment of excessive interest.
-
LPP Criteria
The criteria of LPP
-
LPP Charge
The LPP Charge
-
Date to be used Done on
The Date to be used The Date LPP was Done on
-
Charged on
The Date LPP was Charged on
-
Min. IRR
The Minimum IRR
-
Foreclosure Lock Pd. (Days) PDC Flag
The foreclosure Lock Period in days
-
PDC Flag can be Yes, or No
-
Repayment mode
The mode of repayment
-
Start Date
The Start Date
-
End Date
The End Date
-
c.
Round Parameters Master
The Round Parameters Master contains details of the rounding parameters.
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Field
Description
Remarks
Round Method and Precision Interest Method
-
Interest precision
The interest rounding method. The default value is Round Down The instalment rounding method. The default value is Round up The precision of interest
Instalment precision Prin base unit
The Precision of the instalment The Principal base unit
-
Deposit linking
Whether deposit is to be linked
-
LTV Multiplier
LTV Multiplier
-
Prime rate type Insurance Product
The Prime Rate type The insurance product.
-
Floating Flag
Indicates if floating rate is to be used
-
Fixed for
Indicates if fixed rate is to be used
-
Floating frequency
-
Score criteria
In case of floating flag, the frequency of the rate The score criteria
Asset min. age
The minimum age of the asset
-
Asset max. age
The maximum age of the asset
-
Make
The make of the asset
-
Model
The model of the asset
-
Installment method
-
More Details
-
d. Scheme Charge Master The Scheme Charge Master contains details of the scheme charge.
Figure 4-168: The Scheme Charge Master screen The following table describes the data required in the Scheme Charge Master.
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Field
Description
Remarks
Charge
The charge to be selected
-
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added/ modified or authorised
e. Scheme-Dueday Master The Scheme-Dueday Master contains details of the Scheme-due day for the given scheme.
Figure 4-169: The Scheme-Dueday Master screen The following table describes the data required in the Scheme Due day Master. Field
Description
Remarks
Dueday
The day till when the scheme is valid
-
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added/ modified or authorised
f.
Scheme -Office Master
The Scheme -Office Master contains details of the Scheme-office for the promotion schemes and products.
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Figure 4-170: The Scheme -Office Master screen The following table describes the data required in the Scheme -Office Master. Field
Description
Remarks
Office
The Office name
-
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added/ modified or authorised
g. Scheme –State Master The Scheme –State Master contains details of the states for the promotion schemes and products.
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Figure 4-171: The Scheme –State Master screen The following table describes the data required in the Scheme -State Master.
Field h. S c Add all states h State e m Status e
–
Description Indicates whether all states are to be added The selected state The current status of the record. The status can be Inserted, Modified or Authorised.
Remarks If you select this check box, you cannot add name of a specific state The system generates this information when the record is added/ modified or authorised
City Master The Scheme – City Master contains details of the scheme city for the promotion schemes and products.
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Figure 4-172: The Scheme -City Master screen The following table describes the data required in the Scheme -City Master. Field
Description
Add all cities City
Indicates whether all cities are to be added The selected City
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
i.
Remarks If you select this check box, you cannot add name of a specific city The system generates this information when the record is added/ modified or authorised
Scheme –Policy Master
The Scheme –Policy Master contains details of the scheme-policy.
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Figure 4-173: The Scheme-Policy Master screen The following table describes the data required in the Scheme-Policy Master. Field
Description
Remarks
Default rule
Whether default rule is to be applied
-
Rule Policy
The rule that is to be applied The policy associated with the rule
--
Description
The description of the rule
-
Priority
The priority to be given to the rule
-
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added/ modified or authorised
j.
Scheme –Scoring Master
The Scheme –Scoring Master contains details of the Scheme –Scoring.
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Figure 4-174: The Scheme –Scoring Master screen The following table describes the data required in the Scheme-Scoring Master. Field
Description
Remarks
Default rule
Whether default rule is to be applied
-
Rule
The rule that is to be applied
-
Scoring
The Scoring of the scheme
--
Description Priority
The description of the scheme The priority
--
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added/ modified or authorised
4.9.5
Promotion Mast ers
The Masters in this category help you define the various promotion schemes announced by the bank. With the help of these Masters, you can define the scheme, which workflow to be followed for the applications added under the scheme, the city, state or duration when the scheme is applicable and the scoring rules and charges associated with the promotion scheme. a. Promotion Master The Promotion Master contains details of the loan promotion scheme that may be announced by the bank from time to time.
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Figure 4-175: The Promotion Master screen The following table describes the data required in the Scheme Master. Field
Description
Promotion Id
The Identification code assigned to the promotion scheme
Promotion Desc.
A brief description of the promotion scheme
Scheme
The scheme associated with the promotion. The dropdown list displays the options specified in the Scheme Master The type of workflow applicable to the loan product being defined.
Work flow
Remarks This is automatically generated by the system when you start creating a new promotion scheme This will be displayed in the Online Application when the users selects a code -
The dropdown list displays all the types of workflow defined in the Work Flow Master
Form Setup
The type of form that needs to be set up for the loan product
LOC
The Letter of Credit
In this version of APS, only default form set up can be selected -
Promo Scheme Code
The promotion scheme code
-
Currency Installment Mode
The Currency in which payment is to be made The instalment mode. This may be advance or arrears The min tenure of the loan
-
Min Tenure
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Max Tenure
The Maximum tenure of the loan
-
Default tenure
The default Tenure of the loan
-
Instalment plan Frequency
The Instalment plan The instalment frequency
-
No. of instalments
-
Bonus frequency
The number of instalments to be paid by the applicant The minimum amount that can be financed under this scheme The maximum amount that can be financed under this scheme The Bonus frequency
Template
The type of template that is applied to the
-
Prepay Penalty LTV
The penalty for prepayment, if any The applicable loan to value ratio
-
Maker Id
Id of the user who has added the record in the system Date and time when the record was created. It is displayed in the dd/mm/yyyy hh:mm:ss (24hour) format. The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added
Min Amount Fin. Max amount Fin.
Maker Date
Status
Author Id Author Date
Id of the user who has authorised the record in the system Date and time when the record was authorised. It is displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
-
The system generates this information when the record is added/ modified or authorised The system generates this information when the record is authorised
b. Interest /LPP Master The Interest /LPP Master contains details of the Interest/LPP.
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Figure 4-176: The Interest/LPP Master screen The following table describes the data required in the Interest /LPP Master. Field
Description
Remarks
Interest / LPP Interest type
The type of interest
-
Default rate
The default rate of interest.
-
Min. Rate
The minimum rate of interest
--
Max. rate
The Maximum rate of interest
-
Bucket Adj. Ex. Interest
The Bucket Adjustment of excessive interest.
-
LPP Criteria
The criteria of LPP
-
LPP Charge
The LPP Charge
-
Date to be used
The Date to be used
-
Done on Charged on
The Date LPP was Done on The Date LPP was Charged on
-
Min. IRR
The Minimum IRR
-
Foreclosure Lock Pd.
The foreclosure Lock Period in days
-
PDC Flag Payment mode
PDC Flag can be Yes, or No The mode of payment
--
Start Date
The Start Date
-
End Date
The End Date
--
Accrual Flag
The Accrual Flag
-
LAN Prefix
The LAN Prefix
--
Other Details
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Round Parameters Master
The Round Parameters Master contains details of the round parameters.
Figure 4-177: The Round Parameters Master screen The following table describes the data required in the Round Parameters Master. Field
Description
Remarks
Round Method Interest Method
The interest rounding method. The default value is Round Down The instalment rounding method. The default value is Round up
-
Interest precision
The precision of interest
-
Instalment precision
The Precision of the instalment
-
Deposit linking LTV Multiplier
Whether deposit is to be linked Loan to value Multiplier
-
Prime rate type
The Prime Rate type
-
Insurance Product
The insurance product.
-
Floating Flag
Indicates whether floating flag is used
-
Fixed for Floating frequency
Indicates whether fixed rate is used The rate of the floating frequency
-
Prin base unit
The Principal base unit
-
Installment method
-
Round Precision
More Details
d. Promo-Charge Master The Promo-Charge Master contains details of the promo-charge.
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Figure 4-178: The Promo-Charge Master screen The following table describes the data required in the Promo-Charge Master. Field
Description
Remarks
Charge
The Promo Charges
-
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added/ modified or authorised
e. Dueday Master The Dueday Master helps you define the valid dates for a particular scheme.
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Masters Manual, V 3.2 Figure 4-179: The Dueday Master screen
The following table describes the parameters that needs to be specified in the Dueday Master. Field
Description
Remarks
Dueday
The last date till when the scheme is applicable
-
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added/ modified or authorised
f.
Office Master
The Office Master contains details of the Office.
Figure 4-180: The Office Master screen The following table describes the data required in the Office Master. Field
Description
Remarks
Office
The Office
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added/ modified or authorised
g. State Master The State Master contains details of the state.
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Figure 4-181: The State Master screen The following table describes the data required in the State Master. Field
Description
State
The state in which the product and scheme is applicable
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
Remarks A scheme can be applied to one or more states. However, states need to be added one by one. The system generates this information when the record is added/ modified or authorised
h. City Master The City Master contains details of the city for the Product and Scheme Setup.
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Figure 4-182: The City Master screen The following table describes the parameters that need to be specified to define a promotion scheme for a city. Field
Description
City
The city in which the product and scheme is applicable
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
i.
Remarks A scheme can be applied to one or more states. However, cities need to be added one by one. The system generates this information when the record is added/ modified or authorised
Policy Master
The Policy Master contains details of the policy.
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Figure 4-183: The Policy Master screen The following table describes the data required in the Policy Master for the Product and Scheme Setup. Field
Description
Remarks
Rule
The rule that is to be applied
-
Policy
The policy associated with the rule
-
Description
The description of the policy
-
Priority Weight
The priority to be given to the policy The weightage to be given to the policy
-
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added/ modified or authorised
j.
Scoring Master
The Scoring Master contains details of the scoring.
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Figure 4-184: The Scoring Master screen The following table describes the data required in the Scoring Master. Field
Description
Remarks
Rule
The rule that is to be applied
-
Scoring
The Scoring to be given to the rule
-
Description
-
Priority
The description for the rule and the associated scoring The priority to be given to the rule
Weight
The weightage to be given to the rule
-
Status
The current status of the record. The status can be Inserted, Modified or Authorised.
The system generates this information when the record is added/ modified or authorised
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Glossary Term
Definition
Account Type
The type of bank account, such as, current, savings, joint, cash credit, overdraft.
Address Type
Type of address, such as, current residence, previous residence, office, permanent address, registration certificate address, and residence of authorized signatory.
Advance Instalments
The number of instalments to be taken in advance from the customer.
Agency
An external entity that conducts contact point verifications (physical verification through visits).
Allocation
Allocating is the process of distributing payments received towards dues under different accounts.
Amount Financed (Loan Amount)
The total amount approved to be given to the customer as loan amount.
Annual Allowance (%)
The annual allowance, in percentage.
Applicant Type
This indicates the type of applicant, such as, Individual or Corporate.
Application ID
This is the unique number that is generated automatically for each loan application, and is the same as Agreement No and Agreement ID.
Appraisal
An estimate of the value of property, made by a professional appraiser.
Asset
Property that can be used to repay debt, such as stocks and bonds, or a car.
Asset Cost
The cost of the asset for which the loan is requested. If the loan is required for some purpose other than purchase of asset (personal or unsecured loan), this amount is the same as the amount financed.
BP
Business Partner of the lending institution, such as, customer, supplier, dealer, manufacturer, broker, insurance company, bank, government.
Broker
An individual in the business of assisting in arranging funding or negotiating contracts for a client, but who does not lend the money himself.
Card No.
The credit card number of the applicant.
Card Type
The credit card type, such as, Visa or Master.
Charges
The charge (head of account) to which an amount is allocated.
Chassis Number
Chassis number of the vehicle inspected.
Code
The unique codes assigned to different products.
Collateral
Property offered to support a loan that can be seized in case the customer defaults.
Commitment
An agreement, often in writing, between a lender and a borrower to loan money at a future date subject to the stated conditions.
Constitution
The constitution of the company, such as, Individual, Private Limited, Public Limited, etc.
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Credit
The right granted by a creditor to pay in the future in order to buy or borrow at present; also, a sum of money owed to a person or business.
Credit Card
Any card used to borrow money, buy goods, or services on credit.
Date of Incorporation
Date of commencement of business, with respect to a corporate customer.
Decline
It defines the decision shown in the application-processing module.
DeDupe
The process of identifying duplication of record. This process lists out all the criteria of the past record that matches with the current record.
Depreciation
Decline in value of a house due to wear and tear, adverse changes in the neighbourhood, or any other reason.
Depreciation Benefit (%)
It defines the depreciation benefit percentage that is applicable on the asset.
Down Payment
Money paid to make up the difference between the purchase price and loan amount.
DSA
DSA stands for Direct Selling Agent. DSA’s act as intermediaries between the customer and finance companies. They get one time or regular commission as per the policies of the lending institution.
Due Date
The date by which each installment is due for repayment by the customer. An LPP charge is penalized on a customer who pays the installment after this date.
Effective Rate
This refers to effective rate of interest, where interest is charged on diminishing balance of principal.
Element
It defines the various criteria on which credit scoring will be done.
EMI
Equated Monthly Installment: Equal monthly installments are repaid throughout the loan tenure. In each installment, the previous interest is fully covered and a part of the principal is covered. The interest is calculated on the balance principal after each installment. The monthly installment amount is so adjusted that the balance principal is zero at the end of the loan tenure.
Final Source
The source through which business was procured, such as, telemarketing, direct sales, or marketing agent.
First Source
The initial source that attracted the customer to the lending institution, such as, an advertisement or a sales promotion campaign.
Flat Rate
This refers to flat rate of interest, where interest is calculated at a flat rate on the whole loan amount for the entire loan tenure.
Frequency
The frequency of repayment. Repayment frequency can be monthly, bi-monthly, quarterly, half-yearly or yearly. The most common frequency for repayment is monthly.
Grace Period
This is the period allowed for delay in a payment. After the grace period expires, the lending institute can charge late payment penalty.
Gross Income
The total income of the applicant, from all sources, before any deductions.
Gross Monthly Income
The total amount the borrower earns per month, before any expenses are deducted.
Group
Group is used for identifying a set of customer based on some common parameters.
Industry
The industry in which the applicant is employed, or the nature of business of the applicant, such as, construction, trading,
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Installment Mode
There refers to whether the installment mode is Advance or Arrears. Advance: Advance installment mode indicates that, in effect, the actual loan amount that will be disbursed is the sanctioned loan amount less the first installment. Arrears: Arrears installment mode indicates that the installment for any period is due at the end of the period. For example if the frequency is bimonthly, the first installment will be due two months after the date of loan disbursal.
Interest
A charge paid for borrowing money.
Interest Rate
The annual rate of interest on the loan, expressed in percentage.
Interest Type
The different methods of charging interest. These methods of are: Flat: Interest is calculated at a flat rate on the whole loan amount for the entire loan tenure. PTPM: This stands for Per Thousand Per Month. In this method, a fixed amount is charged per thousand rupees of the outstanding balance per month. Effective: In this method, interest is charged on diminishing balance of principal.
Investment Allowance (%)
This specifies the investment allowance in percentage.
IRR
This refers to internal rate of return fixed by a lending institution. It reflects the rate at which a company generates revenue.
Issuer Name
The name of the bank that has issued a credit card to an applicant.
Late Payment
A payment made later than the date agreed on in a credit contract, and on which additional charges may be imposed.
Lessee
A person who signs a lease to get temporary use of property.
Lessee ID
This is the unique ID generated for the customer while processing a loan application.
Lessor
A company that provides temporary use of property, usually in return for periodic payment.
Lien
A claim upon a piece of property for the payment or satisfaction of a debt or obligation.
LPP
LPP stands for Late Payment Penalty. This is the amount paid by the customer to the lending company due to non-payment of any payable amount on due date.
LTV
It defines the Loan To Value percentage that can be provided to the customer.
Make
The make of the asset that is being financed.
Manufacturer
The name of the entity that manufactured the asset being financed.
Margin
The amount a lender adds to the index on an adjustable rate loan to establish the adjusted interest rate.
Margin Money
Margin money is that part of asset cost which the customer contributes. Usually, companies do not give the whole asset cost as loan. The customer contributes a certain part of the asset cost and that part is called margin money.
MSRP
Manufacturer's Suggested Retail Price is the full price for a vehicle as displayed on its window sticker, including optional packages.
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PDC
PDC stands for Post Dated Cheque. PDCs are submitted by the customer in advance.
PLR
PLR stands for Prime Lending Rate. Lending institutions borrow money from the central bank at this rate. PLR changes from time to time depending on market conditions and government policies.
Principal
The amount of debt, not counting interest, left on a loan.
Product
Type of product as defined in the product master, such as, auto, consumer goods, etc.
Profession
The profession of the applicant, such as, doctor, engineer, or architect.
PTPM
This refers to calculation of interest on Per Thousand Per Month basis.
Qualification
Educational qualification of applicant, such as, graduate, postgraduate, etc.
Rate
See Interest Rate.
RBI Code
Code assigned by the Reserve Bank of India to a particular asset in the process of categorizing assets into various blocks.
Rebate
The rebate given to a customer at the time of termination when there have been no defaults by the customer in payment of the installments. Any such rebate is usually given for encouraging timely repayment by customers.
Reference Date
The date entered at the time of creating a note during loan processing period. It is used for performing the activity noted during the note creation.
Scheme
Companies launch different schemes to finance different types of customer requirements as a marketing strategy. For example, a company may have different schemes to finance personal vehicles, commercial vehicles, house construction, education, business, etc. Schemes are differentiated on the basis of loan amount, tenure, interest rate, interest type, eligibility criteria for customer, repayment schedules, etc.
Security
Property pledged to the creditor in case of default on a loan. See Collateral.
Security Deposit
This is the money collected from applicants as a security measure against the disbursement of the loan amount.
Status
Status shows the current position of the applicant or the process. In respect of a loan application, the current status could be Authorized, or Pending for Authorization. In case of a cheque, the status could be received, deposited, bounced, re-presented, cancelled, cleared, hold, or unhold. Moreover, in case of contact point verification, the current status could be pending, received, incomplete, complete, waived and deferred.
Tax Rate
Percentage of the amount to be deducted as tax.
Tenure
Tenure is the specifi ed period for repayment of the loan.
Term
The period of time between the beginning loan date on the legal documents and the date the entire balance of the loan is due.
Title
A document that gives evidence of an individual's ownership of property.
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Underwriting
The decision on whether to disburse a loan to a potential borrower, based on credit, employment, assets, and other factors, and the matching of this risk to an appropriate rate and term or loan amount.
VAT Installment (%)
The VAT on the interest component of an installment to be paid by customer. Receivable from the customer and payable to the government.
Waive
To knowingly abandon, relinquish, or surrender a right, benefit, or claim.
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