Main/Core Business Application User Manual

WELCOME
TO
National Savings
Organization
1

INDEX OF USER MANUAL OF MAIN APPLICATION OF NSCs
S.
No
Contents
Page No.
From To
1 Introduction To National Savings Organization 3 30
2 Certificate Purchase Application 31 51
3 Certificate Purchase Application (Outward Clearing) 52 70
4 Certificate Issuance 71 78
5 Certificate Profit payment 79 89
6 Certificate Encashment 90 99
7 Certificate Reinvestment 100 110
8 Certificate Maintenance 111 190
9 Account Opening 191 200
10 Account Deposit 201 217
11 Account Deposit (clearing) 218 235
12 Account Withdrawal 236 264
13 Accounts Profit payment 265 278
14 Account Reinvestment 279 299
15 Accounts Maintenance 300 331
16 Certificates Transfer CC 332 359
17 Certificate Transfer PP 360 381
18 Correlation Process 382 397
19 Savings Accounts Annual Profit 398 412
20 Savings Accounts Zakat Deduction 413 421

Introduction of
National Savings
3

Historical Background
 Idea of Savings Certificates introduced in the sub-continent in 1916.
 Defence Savings Certificates introduced during the 2nd
World war .
 National Savings Bureau established at Shimla in 1944, as an attached
department of the Ministry of Finance.
 Investment was secured through various agencies- the administrative
control vested with the provincial governments.
 Entire expenditure was borne by the Federal Government.
 Pakistan inherited same arrangements.
 National Savings Bureau renamed as Central Directorate of National
Savings(CDNS) in 1953.
 CDNS was given the status of Attached Department of Finance Division
in 1960.
 CDNS was directly involved in sale and encashment of National Savings
instruments in 1972.
4

Organizational Structure
CDNS, Islamabad
TINS,
Islamabad
Sub-TINS Karachi
Quetta
15 NSCs, 1 NST
DIA
Islamabad
Peshawar
Gujranwala
Faisalabad
Bahawalpur
Hyderabad
Sukkur
Multan
Lahore
Islamabad
Abbottabad
Quetta
Peshawar
Islamabad
Gujranwala
Lahore
Multan
Hyderabad
12-RAOs
07-ZIAOs
Karachi
12 RDNS,
(375 NSCs, 13 NSTs & 3 NSSTs)
Peshawar
30 NSCs, 1 NST, 1 NSST
Karachi
34 NSCs, 1 NST
Gujranwala
30 NSCs,1 NST,1 NSST
Faisalabad
39 NSCs,1 NST,1 NSST
Bahawalpur
21 NSCs, 1 NST
Hyderabad
28 NSCs, 1 NST
Sukkur
28 NSCs, 1 NST
Multan
39 NSCs, 1 NST
Lahore
38 NSCs, 1 NST
Islamabad
39 NSCs, 2 NSTs
Abbottabad,
28 NSCs, 1 NST
Karachi
5

SAVINGS & DEPOSIT CERTIFICATES
 Defence Savings Certificate(DSC)
 Special Savings Certificate (SSC)
 Regular Income Certificate(RIC)
 Bahbood Savings Certificate(BSC)
 Short Term Savings Certificates (STSC)
SAVINGS & DEPOSIT ACCOUNTS
 Savings Account (SA)
 Special Savings Account (SSA)
 Pensioners Benefit Account (PBA)
Prize Bonds(PB)
Rs.100, Rs.200, Rs.750, Rs.1500, Rs.7500,
Rs.15000, Rs.25000, Rs.40,000 7

SAVINGS & DEPOSIT
CERTIFICATES
8

SSCR
A three years maturity scheme introduced in February, 1990.
SSC (R) Who Can Invest?
The certificate can be opened by a single adult, a minor, two adults in their joint names with the options of
payable to the holders jointly (Joint-A ) or payable to either (Joint-B). An adult can also invest in these
account on behalf of a single minor, two minors jointly or himself/herself and a minor jointly. In addition to
individual investors, the following institutions are also allowed to invest in the scheme:
a. Registered Charities (Non-profit bodies).
b. Public Sector Enterprises excluding Banks.
c. Private Educational & Health Institutions.
d. Employees Old Age Benefit Institutions (EOBIs).
e. Private Corporate Sector registered with the SECP excluding Banks.
f. Non-Bank Financial Institutions (NBFIs) excluding Insurance Companies.
Mode of Deposit?
i) Cash (Including Foreign Currency)
ii) Through Cheque (Including Foreign Currency Draft)
iii) Transfer CC
iv) Transfer PP
iv) Transfer to Nominee
v) Transfer to Nominee (Court Case)
vi) Duplicate
vii)Re-investment for investment made before 15 Nov. 2010
9

SSCR
Mode of Payment/Encashment?
iii) Payment to Nominee
iv) Payment to Nominee (Court Case)
Investment Limit?
i) Minimum Rs.500/- (multiple of 500)
ii) There is no maximum limit
Pledging of Certificates?
Restriction / No Restriction on Profit Payment.
Payment to Bank/Pledgee in case of Default.
Pledge Release.
Service Charges on Premature Withdrawal?
No service charges involved.
Zakat is applicable in case of SSC ®
Withholding Tax
i. withholding tax @ 10% is deductible at source for investment made on and after 01/07/2001
ii) 17.5% for non IT filers in case if profit exceeds Rs.500,000/- in one year
Denominations
Denominations Rs.10, 50 & 100 were obsolete on 30/06/2000
Current Denominations Rs.500, 1000, 5000, 10,000, 50,000, 100,000, 500,000 and 1000,000
10

RIC
This five years' maturity scheme was launched on 2nd February, 1993.
RIC Who Can Invest?
These certificates can be purchased by a single adult, a minor or two adults in their joint names
with the options of payable to the holders jointly (Joint-A ) or payable to either (Joint-B). An adult
can also purchase these certificates on behalf of a single minor, two minors jointly or
himself/herself and a minor jointly. In addition to individual investors, the following institutions are
also allowed to invest in the scheme:
Mode of Deposit?
iii) Transfer CC
iv) Transfer PP
v) Transfer to Nominee
vi) Transfer to Nominee (Court Case)
vii) Re-investment for investment made before 15 Nov. 2010
viii) Duplicate
11

RIC
v) RIC To BSC (Without Service Charges)
vi) RIC To PBA (Without Service Charges)
Investment Limit?
i) Minimum Rs.50,000/- (multiple of 50,000)
Pledging of Certificates? (Can be Pledged months after the purchase of Certificates)
Pledge Release.
Service Charges on the certificates purchased shall be deducted at the following rates namely:-
a) if encashed before completion of one year from the date of issue. @ 2.00% of the face value
b) if encashed before completion of 02 years from the date of issue. @ 1.50% of the face value
c) if encashed before completion of 03 years from the date of issue. @ 1.00% of the face value
d) if encashed before completion of 04 years from the date of issue. @ 0.50% of the face value
e) If encashed after completion of 04 years. No Service Charges
12

RIC
Zakat is not applicable in case of RIC
Withholding Tax
i. withholding tax on profit @ 10% is compulsory deductible
ii. Withholding tax on Profit @17.5% for non IT filers in case if profit exceeds
Rs.500,000/- in one year for whole investment
Denominations
Current Denominations Rs.50,000, 100,000, 500,000, 1M, 5M & 10M
13

DSC
This ten years' maturity scheme was launched on 1966.
DSC Who Can Invest?
These certificates can be purchased by a single adult, a minor, two adults in their joint names with
the options of payable to the holders jointly (Joint-A ) or payable to either (Joint-B). An adult can
also purchase these certificates on behalf of a single minor, two minors jointly or himself/herself and
a minor jointly. In addition to above individual investors, the following institutions are also allowed to
invest in the scheme:
Mode of Deposit?
iii) Transfer CC
iv) Transfer PP
viii) Duplicate
14

DSC
Investment Limit?
i) Minimum Rs.500/- (multiple of 500)
Pledge Release.
No Service Charges on Premature Withdrawal/Encashment
Zakat is applicable in case of DSC
W. H. Tax in case of DSC?
i) withholding tax @ 10% is deductible at source for investment made on and after 01/07/2001
Denominations
Denominations Rs.5, 10, 50 & 100 were obsolete on 30-06-2000
Current Denominations Rs.500, 1000, 5000, 10000, 50000, 100000, 500000 and 1,000,000
15

BSC
A ten years' maturity scheme launched on 1st July, 2003
BSC Who Can Invest?
Only widows and senior citizens aged 60 years and above are eligible to invest, singly or jointly. Two
eligible persons can also purchase certificates jointly. (Initially the scheme was meant for widows only,
however, the Govt. later decided to extended
Mode of Deposit?
i) Cash
ii) Through Cheque
iii) Transfer CC (Transfer PP is not allowed)
iii) Transfer to Nominee
iv) Transfer to Nominee Court case
v) Re-investment for investment made before 15 Nov. 2010
vi) Duplicate Issuance
ii) Through Cheque
Investment Limit?
i) Minimum Rs. 5,000/- (multiple of 5,000)
ii) the maximum limit is Rs.3,000,000/- and for joint investors it is Rs.6,000,000/-.
16
Rs. 5,000,000 Rs. 10,000,000

BSC
Profit on the un-drawn Profit of BSC?
Profit @ of Savings will be paid on undrawn profit of BSC w. e. f. 30-06-2004 till 30 July, 2011
No Pledging of Certificates
Service Charges on the certificates purchased shall be deducted at the following rates namely:-
a) if encashed before completion of one year from the date of issue. @ 1.00% of the face value
b) if encashed before completion of 02 years from the date of issue. @ 0.75% of the face value
c) if encashed before completion of 03 years from the date of issue. @ 0.50% of the face value
d) if encashed before completion of 04 years from the date of issue. @ 0.25% of the face value
e) If encashed after completion of 04 years. No Service Charges
Zakat is not applicable in case of BSC
W. H. Tax in case of BSC is not applicable
Withholding Tax on profit is not applicable w. e .f. 01-07-2004 onward.
Deposit Limit
i) From 01-07-2003 to 13/06/2004 Rs.1M
ii) From 14/06/2004 to 30/06/2005 Rs.2M
iii) From 01-07-2005 to 30-06-2014 Rs.3M
iv) From 01-07-2014 to 30-06-2016 Rs.4M for single and Rs.8 M for Joint
v) From 01-07-2016 to date Rs.5M for single and Rs.10 M for Joint
Denominations
Current Denominations are Rs.5000, 10,000, 50,000, 100,000 and 500,000
17

Short Term Saving Certificates (STSC)
This is 3 months, 6 months and 1 year scheme was launched on 01/07/2012
Who Can Invest?
These certificates can be purchased by a single adult, a minor, two adults in their joint names with the options of
payable to the holders jointly (Joint-A ) or payable to either (Joint-B). An adult can also purchase these certificates on
behalf of a single minor, two minors jointly or himself/herself and a minor jointly. In addition to above individual
investors, the following institutions are also allowed to invest in the scheme:
Mode of Deposit?
iii) Transfer CC
iv) Transfer PP
vii) Duplicate
viii)No reinvestment
18

Short Term Saving Certificates (STSC)
i) Minimum Rs. 10000/- (multiple of 10000)
Pledge Release.
No Service Charges on Premature Withdrawal/Encashment?
No Zakat is applicable
Withholding Tax
i. Withholding tax @ 10% is deductible at source
Denominations
Current Denominations Rs.10,000, 50,000, 100,000, 500,000, 1,000,000, 5,000,000 &
10,000,000 19

SAVINGS AND DEPOSIT
ACCOUNTS
20

SSA
A three years maturity scheme introduced in February, 1990.
Who Can Invest?
The certificate can be opened by a single adult, a minor, two adults in their joint names
with the options of payable to the holders jointly (Joint-A ) or payable to either (Joint-B).
An adult can also invest in these account on behalf of a single minor, two minors jointly or
himself/herself and a minor jointly. In addition to individual investors, the following
institutions are also allowed to invest in the scheme:
Mode of Deposit?
iii) Transfer CC (Transfer PP not Allowed)
vi)Re-investment for investment made before 15 Nov. 2010
21

SSA
Investment Limit:
i) Minimum Rs. 500/- (multiple of 500)
Number of Units / Deposits:
No Maximum limit of Deposits / Units applicable.
Pledge Release.
No Service Charges on Premature Withdrawal.
Zakat is applicable in case of SSA
Withholding Tax
i. @ 10% is deductible at source for investment made on and after 01/07/2001
ii) @ 17.5% for non IT filers in case if profit exceeds Rs.500,000/- in one year
22

PBA
PBA was introduced on 20/01/2003
PBA Who Can Invest?
The Pensioner’s Benefit Account shall be opened by a retired official / officer of the Federal
Government, Provincial Governments, Azad Government of the State of Jammu and
Kashmir, Armed Forces, Semi Government and Autonomous bodies and in case of death
the pensioner's eligible member of the family.
Mode of Deposit?
i) Cash
ii) Through Cheque
iii) Transfer CC
vi) Account Re-investment
Mode of Payment/Withdrawal?
i) Cash
ii) Through Cheque
iv) Payment to Nominee (Court Case) 23

PBA
Investment Limit?
i) Minimum Rs.10,000/- (multiple of 1,000)
ii) Maximum
From 20/01/2003 to 13/06/2004 , Rs.1,000,000/- (For Single or Joint)
From 14/06/2004 to 30/06/2005 , Rs.2,000,000/- (For Single or Joint)
From 01/07/2005 30/06/2014, Rs.3,000,000/- (For Single or Joint)
From 01/07/2014 to 30/07/2016, Rs.4,000,000/- (For Single or Joint)
From 01/07/2016 to-date, Rs.5,000,000/- (For Single or Joint)
No. of Units/Deposits?
i) Two from 14/06/2004 to 30/06/2005 (For Single)
ii) Three from 01/07/2005 to-date (For Single & Joint Both)
iii) From 23/06/2008 to-date Joint Investment is also allowed.
iv) From 01/072016 onward Eight Units
Service Charges on Premature Withdrawal:
In the case of premature withdrawal before the completion of one, two, three and four years of the deposit,
service charges at the rate of 1%, .75%, .5% and 0.25% of the principal amount shall be deducted
respectively.
No Zakat in case of PBA.
Withholding Tax
10 % W. H. Tax on the profit of PBA purchased between 20/01/2003 to 30/06/2004 only
Profit on the un-drawn Profit of PBA
Profit @ of Savings will be paid on undrawn profit of PBA w. e. f. 30-06-2004 till 30 July, 2011 24

Savings Account
Who Can Invest?
The account can be opened by a single adult, a minor, two adults in their joint names
with the options of payable to the holders jointly (Joint-A ) or payable to either (Joint-B).
An adult can also invest in these account on behalf of a single minor, two minors jointly
or himself/herself and a minor jointly. In addition to individual investors, the following
institutions are also allowed to invest in the scheme:
Mode of Deposit?
iii) Transfer CC
v) Transfer to Nominee (Court Case) 25

Savings Account
Mode of Payment/Withdrawal?
v) Payment to Nominee (Court Case)
Investment Limit?
i) Minimum Rs. 100/-
No. of Withdrawals?
Maximum 3 Withdrawals in a week are allowed instead of An Offical Savings Account
Profit in SA?
Profit is credited on 30th June every year.
(At the time of closure of A/C the profit(if any) along with Principal will be drawn).
Zakat is applicable in case of SA
Zakat @ 2.5% is deducted on 1st Ramzan on the balance notified by
Administrator General Zakat
Withholding Tax
10 % Withholding Tax is deducted on the profit for filer whereas for non-filer and profit amount is
exceeded to Rs.500,000/- then it will be deducted @ 17.5% 26

Scheme wise Comparison Chart of Certificates
Common Parameters Uncommon Parameters
Schemes
BSC SSC RIC DSC STSC
01. Investment Types 01. Launching Date 01-Jul-03 01-Feb-90 01-Feb-93 01-Jun-66 01-Jul-12
Investment can be made by:
i. Individual:
a) Single
b) Joint A
c) Joint B
ii. Institutional:
a) Nature of Fund Required
02. Maturity Duration 10 Years 03 Years 05 Years 10 Years 3 M, 6 M, 01 Y
03. Types of Individuals
investors
Senior Citizen Yes Yes Yes Yes Yes
Widow Yes Yes Yes Yes Yes
Minor NA Yes Yes Yes Yes
Adult NA Yes Yes Yes Yes
Institutions NA Yes Yes Yes Yes
04. Transfer Case
Center to Center (CC) Yes Yes Yes Yes Yes
Person to Person (PP) NA Yes Yes Yes Yes
To Nominee
Eligible Yes Yes Yes Yes
02. Mode of Investment To Nominee (Court Case) Eligible Yes Yes Yes Yes
Following modes of Investments
are available for Customer:
- By Cash
- By Cheque
05. Duplicate Issuance Yes Yes Yes Yes Yes
06. Re-investment Yes Yes Yes Yes Yes
07. Zakat NA Yes NA Yes Yes
08. Maximum Investment Limit
For Single Investor 5,000,000 No Limit No Limit No Limit No Limit
For Joint Investors 10,000,000 No Limit No Limit No Limit No Limit
03. Encashment Modes
09. Minimum Investment Limit
For Single Investor 5,000 500 50,000 500 10,000
Following modes of encashment
are available:
- By Cash
- By Cheque
- Payment to Nominee(s)
For Joint Investors 5,000 500 50,000 500 10,000
10. Certificate(s) Pledging
Pledgeable NA Yes Yes Yes Yes
Profit Payment Restriction (Cnditional) NA Yes Yes Yes Yes
Payment to Pledgee (Defaulter Case) NA Yes Yes Yes Yes
11. Service Charges on Premature
Withdrawal
(In Percentage on
Face Value of Certificate(s))
Within 01 Year 1.00% NA 2.00% NA NA
More than 01 Year and Within 02 Years 0.75% NA 1.50% NA NA
More than 02 Years and Within 03 Years 0.50% NA 1.00% NA NA
More than 03 Years and Within 04 Years 0.25% NA 0.50% NA NA
After 04 Years NA NA NA NA NA
12. With-Holding Tax
Tax Deduction on Profit NA
10% or
17.5%
10% or
17.5%
10% or
17.5% 10% or 17.5%
13. Taxable Investment
For Single Investor NA
No
Relaxation
No
Relaxation
No
Relaxation No Relaxation
For Joint Investors NA
No
Relaxation
No
Relaxation
No
Relaxation No Relaxation
14. Compund Profit NA Yes NA Yes NA
15. Savings Account Profit Rate NA NA NA NA NA
27

Scheme wise Comparison Chart of Accounts
Common Parameters Uncommon Parameters
Schemes
PBA SSA SA
01. Investment Types 01. Launching Date 20-Jan-03 01-Feb-90 01-Jun-66
Investment can be made by:
i. Individual:
a) Single
b) Joint A
c) Joint B
ii. Institutional:
a) Nature of Fund Required
02. Maturity Duration 10 Years 03 Years No maturity
03. Types of Individuals
investors
Pensioners Yes Yes Yes
Widow No Yes Yes
Minor No Yes Yes
Adult No Yes Yes
Institutions No Yes Yes
04. Transfer Case
Center to Center (CC) Yes Yes Yes
Person to Person (PP) No Yes Yes
To Nominee
Eligible Yes Yes
02. Mode of Investment To Nominee (Court Case) Yes Yes Yes
Following modes of Investments are
available:
- By Cash
- By Cheque
05. Single account in a scheme allowed with multiple units Max 8 Yes NA
06. Re-investment Yes Yes NA
07. Zakat NA Yes Yes
08. Maximum Investment Limit
For Single Investor 5,000,000 No Limit No Limit
For Joint Investors 5,000,000 No Limit No Limit
03. Withdrawal Modes
09. Minimum Investment Limit
For Single Investor 10,000 500 100
Following modes of Withdrawals are
available:
- By Cash
- By Cheque
- Payment to Nominee(s)
For Joint Investors 10,000 500 100
10. Certificate(s) Pledging
Pledgeable NA NA NA
Profit Payment Restriction (Cnditional) Yes Yes Yes
Payment to Pledgee (Defaulter Case) NA NA NA
11. Service Charges on Premature
Withdrawal
(In Percentage on
Face Value of Certificate(s))
Within 01 Year 1.00% NA NA
More than 01 Year and Within 02 Years 0.75% NA NA
More than 02 Years and Within 03 Years 0.50% NA NA
More than 03 Years and Within 04 Years 0.25% NA NA
After 04 Years NA NA NA
12. With-Holding Tax Tax Deduction on Profit NA 10% or 17.5% 10% or 17.5%
13. Taxable Investment
For Single Investor NA No Relaxation No Relaxation
For Joint Investors NA No Relaxation No Relaxation
14. Compund Profit NA Yes NA
15. Savings Account Profit Rate NA NA NA
28

• This is a bearer type security.
• Available in the denomination of Rs. 100, Rs.
200, Rs. 750, Rs. 1,500, Rs. 7,500, Rs. 15,000,
Rs. 25,000 and Rs. 40,000.
• No fixed return is paid but prize draws are held
on quarterly basis.
• Prizes up to Rs.1, 250/- are paid at NSCs.
• Prize claim allowed within six years of date of
draw.
• Prize Bonds issued/sold two months before the
draw, qualify for a prize
30

31
EXISTING MAIN
APPLICATION SOFTWARE

33
33
Select Deposit  Certificates  Certificate Purchase Application.

34
Deposit  Certificate  Certificate Purchase Application
It is a frame base screen Frame 1 having list of the requests, and frame 2 has
detail of every request.
Frame 1
List of the requests Frame 2
Data of a request

35
35
Enter Identification No., Select Gender, Enter Customer
Name, Father / Husband /Guardian Name
Investment Type
Customer Name
Father Name
Gender
Select Product
Select Mode of
Investment
Identification No.

36
36
Select Operating Type
Operating Type

37
37
Enter amount in field of Cash Amount as shown.
Cash Amount

38
38
Click on Save Button and after that click on tab ‘Detail’
Save
Detail

39
39
Enter the Address in Address Tab.

40
40
Enter the Date of Birth in Date Events Tab.

41
41
In Associate Tab, there are two sub tabs i.e. Associate and Detail. In Associate sub tab, click box
in front of Type and select Nominee from drop down list or operator in case of minor.
Type of Association
with Investor(s)

42
42
If a nominee gives his/her identification number (e.g. CNIC or Form ‘B’)User can
enter the nominee by his/her identification type basis, other wise only name,
share and relation are used.
Identification Type

43
43
In case of Nominee, enter Share in percentage, select Relation
with Customer from drop down list as shown.
Name of Nominee
Share of Nominee
Relation
Save

44
44
Select Request Tab, and press Authorize button to send record for verification
Request Tab
Authorize

45
45
At the verifier level, he/she has two different browser
one is called inbox and other one his/her main browser
Inbox where transactions are received
from Data Entry Operator/Counter Clerk

46
46
At the verifier level, he/she has two different browser
one is called inbox and other one his/her main browser
Main Browser of the verifier where
he/she has marked payment order or
verified the transactions

47
47
The verifier needs to check the inbox, first select the relevant entry and then click the
Navigate button
Select the record
Navigate

48
48
Select Record And Through Reg. Info Button Complete Information Can Be Seen
Reg. Info

49
49
Click Authorize for number generation at cashier screen
Authorize

50
50
Cashier also has to perform the same activity as the
verifier/officer Incharge did.
He/She also has two browsers (i.e. Inbox and main
Browser) first select the entry from Inbox and click on
Navigate Button and then go to main browser and then
authorize the selected record.
Resultantly Registration number has been generated on
his/her screen.

51
51
On click of Authorize button the Registration Number has been generated.

52
PURCAHSE APPLICATION
THROUGH CHEQUE
52

53
53
Select Deposit  Clearing  Inward/Outward Clearing

54
54
Enter Name Of Customer, Father’s Name And Amount & Save The Record
Identification Type
Tran Type
Identification Type can be
•CNIC
•NIC
•FORM B
•NTN
•INSTT.REG.NO
•IDENTIFICATION NO
•FORM B OLD

55
55
Save The Record
Save
SELECT INSTRUMENT TYPE
ENTER INSTRUMENT NO
ENTER CHEQUE DATE
SELECT BANK
ENTER BANK BRANCH
AND AMOUNT

56
56
Go To Clearing Tab And authorize The Record
Authorize
Clearing
Tab

57
57
This Is Screen Of Officer In charge, Select Deposit  Authorization  Transaction
(Inward/Outward)

59
59
Select The Record For Authorization
Select record

60
60
Press Authorization button & Record Has Been Authorized
Authorization

61
61
Go To Deposit  Clearing  Realization/Un-Realization of

62
62
Select Transaction Type, Period And Enter Date Of Realization Of Cheque And Press
Go button as shown.
Tran Type
10/11/2009 12/11/2009

63
63
Select The Record And Process The Same
Proceed

64
64
We have made transaction through Outward Clearing and now we want to use that transaction to create
registration and issue certificates of that registration.
For this purpose in main application, select
Deposit  Certificates  Certificate Purchase application :

65
65
We have made transaction through Outward Clearing and now we want to use that transaction to create
registration and issue certificates of that registration.
For this purpose in main application, select:
Deposit  Certificates  Certificate Purchase application

66
66
In Request tab, double click or press F9 to open box in front of Requested Product as shown & select 0002
Regular Income Certificate from list.
Requested Product

67
67
Mode of Investment
Clearing Tran. No.
Select Clearing NSC from Mode of Investment and enter Clearing Tran. No. and then Click on Save
Save

68
Detail
Just see the detail,
Fill the information as already mentioned in earlier
cases. What ever information is new will be filled
accordingly.

69
69
At the Request tab, select the request No. and press Authorize button.
A message will appear “Forwarded for approval successfully” as shown.
Authorize

70
Number Generation of new registration and certificate
issuance already discussed.

72
User select the menu
Deposit  Certificates  Certificates Issuance
Select the menu Option

73
73
From the list user select the relevant Record
and then click the tab Certificate(s) Issuance
Select the Record

74
74
Select the required denomination and then click on button ‘Save’
After completing the process go to the ‘Purchase Application’
Select the required
Denomination
Certificate number
can be checked
Save
Select the tab when
record has been saved

75
75
On Purchase Application Tab select the relevant record
and then click Authorize Button.
Authorize

76
76
The verifier needs to check the inbox, first select the relevant transaction
and then click the Navigate button
Select the record
Navigate

77
77
The verifier can view the detail of the relevant record in the 2nd
frame whereas the
necessary particulars are in first frame
Particulars of the
Investor
Detail of the
Certificate(s) issued

78
78
When we press Process button, a massage will appear that Operation
has been performed successfully as shown.
Process

80
Profit payment
Deposit  Certificates  Profit Payment  Registration wise
Profit Payment

81
Next Screen is a frame based screen which consist of four frames (i.e. Profit Payment
Certificates, List of Certificates, List of due profits and Total payment)
Frame 1
Frame 2
Frame 3
Frame 4

82
After entering the Registration number the list of due profits for respective
certificates is shown.
Data shown
Data shown

83
Select the Product, Registration Number and Profit coupon slip from the given Profit Coupon
book and then press three Tabs
Select the Profit Coupon
From Profit Number 1 to 2
Select the Product Select the Reg.No
Select the Profit
Coupon Recent Leaf

84
To calculate the Profit, user is required to click the proceed button which will show the
result in last frame.
Amount calculated
Button -- Proceed

85
To authorize the values user need to click the button Authorize and then a box will
appeared at which user need to press OK
Button --Authorize

86
The entry will forward to the verifier for payment order purpose
Message

87
The verifier needs to check the inbox, first select the relevant entry and then click the
Navigate button
Select the record
Navigate

88
This Navigate button reflects the relevant entry into the browser of the verifier and he needs to
check the entry and then click the Authorize if found correct or click reject if found wrong.
Button --Authorize

89
The same has to perform in the screen of cashier.
Authorize

90
ENCASHMENT OF CERTIFICATES
There are two types of encashment in this
system, which are:
• Certificate Wise Encashment
• Registration Wise Encashment

91
Deposit  Certificates  Encashment
Registration
Certificate

92
Deposit  Certificate  Encashment  Certificate Wise
Select the relevant Certificate
Encashment Type Encashment Mode

93
User click on proceed button and check the calculation from tab ‘Payment Detail’
Proceed Button
Payment Detail

94
User checked the payment and again go to the Detail tab and authorize the same
to the next level i.e. officer Incharge
Calculated amount

95
In verification level the verifier/officer In-charge select the entry from inbox and
navigate the same. After necessary checking he/she forward it for payment
Calculated amount
Authorize Button

96
Cashier did the same and finally made the payment to the investor
Calculated amount Authorize Button

97
Deposit  Certificate  Encashment  Registration Wise
Calculated amount
Check the
certificates
Encashment Mode

98
In verification level the verifier/officer Incharge select the entry from inbox
and navigate the same.
After necessary checking he/she forwarded it for payment
Calculated amount
Authorize Button

99
Cashier did the same and finally made the payment to the investor
Calculated amount
Authorize Button

100
CERTIFICATE REINVESTMENT
For this Activity, first a Registration required to encash in Reinvestment Mode. Therefore Select the menu
Deposit  Certificate  Encashment  Registration wise
100

101
101
Select the Encashment Mode – Reinvestment and click Proceed button
Proceed
Encashment Mode
Select product
Reg. No.
Profit Coupon

102
102
Check the calculated amount and click Authorize button
Authorize

103
103
The entry will pass on to the next level i.e. verifier/officer Incharge and he/she will select
the relevant entry from his/her Inbox
Select record
Navigate

104
104
The verifier/officer Incharge check the record and authorize the same to the cashier
Authorize

105
105
Cashier will also Authorize the transaction. Now the new application will be
entered through Purchase Application
Authorize

106
106
Select the menu
Deposit  Certificates  Certificate Purchase application
Certificate Purchase Application

107
107
Deposit  Certificate  Purchase Application
Select Mode of Investment Reinvestment and enter old Reg. Ref. i.e. 0059060 and press tab.
It is pertinent to mention that if an investor intend to Reinvest only principal then the field Adjustment
Amount can be used.
Mode of Investment
Old Reg. Ref
Save
Adjustment
Amount

108
108
Mode of Investment
Clearing Tran. No.
Select Clearing NSC from Mode of Investment and enter Clearing Tran. No. and then Click on Save
Save

109
Detail
Fill the information as already mentioned in earlier cases. What
ever information is new will be filled accordingly.

110
110
At the Request tab, select the request No. and press Authorize button.
A message will appear “Forwarded for approval successfully” as shown.
Authorize

111
MAINTENANCE of
CERTIFICATES

112
Maintenance of Certificates:
Amendments in the Personal Information of Certificate Holder's)
1. The system will allow for the amendment in the certain personal information of the certificate
holder. A customer can request for the change in the following information, through a written
request:
• Name / Title of certificate holder
• Address
• Contact Info etc.
2. The written application would be scrutinized against the relevant records. The Dealing Officer /
Official will retrieve the relevant record from the system. The scanned signature of the Certificate
Holder will be verified. After verification, the Officer In charge will review and approve the
requisition. After approval, the system will be updated with the relevant information and create a
log in the System Log Option. The system will keep track of all the information amended in the
system by maintaining a proper log.

113
Deposit  CRM  Customer Profile  Customer Detail
• Click on the Menu option ‘Customer Detail’. a new
Window will appear as shown on next slide.

114
By Identification No.
• Select the Identification type and Identification No. and Press Tab,
System will retrieve the record of that CNIC holder.
• Now Press on ‘Customer Detail’ Button. A new window/page will
appear as shown in next slide.

115

116
(Customer Profile/Address/Date of Birth etc.) (Before Up-dation)

117
By Identification No. (Customer Profile) (After Up-dation)

118
Change of Specimen Signature of Customer
1. A customer desiring to change his / her specimen signature will be required to submit a
written application, affixing his / her old and new signatures, to the Center. The Dealing
Officer / Official will retrieve the relevant record from the system. The existing signature
of the Certificate Holder (s) will be verified from the system.
2. After approval, the customer’s signature on the application will be scanned and stored in
the database, associated with the customer profile, replacing the old one.
Deposit  Certificate  Sign Capturing

119
Change of Nominees
A certificate holder can change the certificate nomination by fulfilling the
requirements. The activities involved in this type of change require the submission of
application and scrutiny of the documents against the relevant records. The certificate
holder will be required to submit a written application stating the details under which
the change is required. The Dealing Officer / Official will retrieve the relevant record
from the system & make changes through Certificate Maintenance Option. After
verification, the Officer In-charge will review and approve the requisition.

120
Deposit  Certificates  Maintenance  Certificate Maintenance
• Click on the Menu option ‘Certificate Maintenance’. a
new Window will appear as shown on next slide.

121
• Select the desired scheme and type the Reg. No. in
which the Change of Nomination is required.
• Now go to ‘Detail' tab and then to ‘Associate’ tab.

122
Change of Nominee Before Up- dation)

123
Change of Nominee (After Up-dation)

124
Change of Nominee (After Up-dation)

125
Deposit  Authorization  Certificates  Maintenance  Registration wise
• Click on the Menu option ‘Registration Wise’. a new
Window will appear as shown on next slide.

126
• Now press ‘Reg. Info’ Button to see
the detail, a new Pop-up Window will
appear as shown on next slide.

127
• To verify Click on Reg. Info Button to see the Detail, a new Pop up window will appear as
shown below.

128
• Now Go on Detail Tab and Select Associate Tab to see the change in Nominee to
see the change of Nominee as shown in a new Pop up window.

129

130
• Now return to Main Screen and if satisfied with the change press authorize button to
complete the transaction.

131
Transactions by Minors on Attaining Majority
1. Certificates can be purchased on behalf of minors. When such minor attains
majority, he / she will be required to intimate the center about the fact of his / her
attaining majority. An application on prescribed format SC-1A, duly verified, will be
submitted along with the copy of NIC. The Dealing Officer / Official will retrieve the
relevant record from the system. After verification, the information provided by the
applicant on SC-1A will be entered into the system for the changes.
2. The Officer In-charge will review and sanction the changes after which the changes will
be effective. After sanction, the following activities will be performed:
• Signature of the minor (now major) will be scanned and entered into the system
• Change the status of certificate registration stating that it will be operated by minor
(now major).

132
3. In case, where the denomination of original certificates cannot be divided by
breaking it, the certificates will be continued to be operated under the same
Registration No till its maturity under joint signatures (category A) of the minor
(now major) and the other minor’s operator. An application from the minor
(now major) will be obtained on SC-1A, along with a copy NIC for necessary
changes in his / her profile, nominations and signature.
4. The system will keep track of all the information amended in the system by
maintaining a proper log as explained in the security module

133
• Click on the Menu option ‘Certificate Maintenance’.
A new Window will appear as shown on next slide.

134

135
• Select the required Identification type from Identification Type field from the
List as shown below.

136
• Now Press update button and then Authorize button to send the request to
Officer In-charge.

137
• Click on the Menu option ‘Registration Wise’. A

138
• Now press ‘Reg. Info’ Button to see
the detail, a new Pop-up window will

139
• To verify Click on Reg. Info Button to see the Detail, a new Pop up window will appear as shown
below.

140
• Now return to Main Screen by
pressing ‘Close Window’ Button.

141

142
• If satisfied with the changes, then press authorize button to complete the
transaction.
•‘Authorize’ Button.

143
Loss of Certificates / Withdrawal Slip Book /Profit Coupon Books Before I
ssuance
This feature covers the activities involved in the handling of lost Certificates
/ Withdrawal Slip Book / Profit Coupon Books before issuing to a customer.
The concerned staff member who identifies the loss will inform the Officer In-
charge. After necessary investigation, a requisition for the adjustment will be
entered into the system:

144
Deposit  Instrument Management  Lost  Lost / Destroy of WB/PB B/F
• Click on the Menu option , a new Window will

145
Deposit  Instrument Management  Lost  Lost / Destroy of WB/PB B/F
• Press ‘Update’ Button to Mark WB/PB as Lost.

146
Deposit  Instrument Management  Lost  Lost of Certificate B/F Issue
• Click on the Menu option. a new Window will

147
Deposit  Instrument Management  Lost  Lost of Certificate B/F Issue
• Select the ‘Sub Type’ (Certificate Denomination
+ Scheme) from the list.
• Enter Book No., Series No. and then Press ‘Go’
Button to Search for the Certificate (s) being lost.
• Enter the Range/Certificate No. and Mark the
Status of Certificate in status field as lost and Press
‘Process’ button.

148
Deposit  Instrument Management  Lost  Stop/Release  Profit Coupon
Click on the Menu option. a new Window
will appear as shown on next slide.
Loss of Certificate / Profit Coupon Book After Issuance

149
Deposit  Instrument Management  Lost  Stop/Release  Profit Coupon
• Select the respective Product and type the Reg. No.
of the customer whose PCB is lost.
• After verification of the PCB No. appeared on the
screen automatically Press ‘Save’ Button to send the
transaction for Approval.

150
Deposit  Authorization  Instrument  Stop/Release (Profit Coupon)

151
Deposit  Authorization  Instrument  Stop/Release (Profit Coupon)
After verification of the record Press ‘Accept’
Button to approve the transaction.

152
Deposit  Instrument Management  Lost  Stop/Release  Withdrawal Slip
Click on the Menu option. a new Window will

153
Deposit  Instrument Management  Lost  Stop/Release  Withdrawal Slip
• Select the respective Account and type the Account No.
of the customer whose WSB is lost.
• After verification of the WSB No. appeared on the
screen automatically Press ‘Save’ Button to send the
transaction for Approval.

154
Deposit  Authorization  Instrument  Stop/Release (Withdrawal Slip)

155
Deposit  Authorization  Instrument  Stop/Release (Withdrawal Slip)
After verification of the record Press ‘Accept’
Button to approve the transaction.

156
LOSS OF CERTIFICATE AFTER ISSUANCE
MARKING THE CERTIFICATE FOR STOP PAYMENT TILL
THE GRANT OF APPROVAL FROM RDNS

157
Deposit Certificates  Maintenance  Status Change

158
• Select the Product form the List and the type the Reg. No. Whose certificate is lost.
• Select the Certificate which is lost and then go to Status Change Tab.

159
Status Change
• Select Stop Payment in Request Nature, & press
Save Button.
• Then go to Item List Tab to enter list of
documents received.

160
Item List
Enter list of documents received and go to Cert. List tab.

161
•Press ‘Authorize’ Button to forward the transaction to officer In-charge.

162
Deposit Authorization  Certificates  Maintenance  Status Change

163
Deposit Authorization  Certificates  Maintenance  Status Change
•Press ‘Accept’ Button to authorize the transaction after necessary verification.

164
LOSS OF CERTIFICATE AFTER ISSUANCE
MARKING CERTIFICATE AS LOST AND ISSUING
THE DUPLICATE CERTIFICATE AFTER THE
APPROVAL FROM RDNS

165
Click on the Menu option. a new Window will appear as
shown on next slide.

166
• Select the Product form the List and the type the Reg. No. Whose certificate is lost.
• Select the Certificate which is lost and then go to Status Change Tab.

167
Status Change
• Select LOST in Request Nature, & press
Save Button.
documents received.

168
Item List
• Enter list of documents received and go to Cert. List tab.

169
• Press ‘Authorize’ Button to forward the transaction to officer In-charge( The
same as discussed in STOP Payment) procedure.
• After the authorization go to ‘Purchase Application’ and issue the new
certificate (s) under new registration by selecting Mode of Investment as
‘Duplicate’.

170
Duplicate of Spoilt Certificates / Exchange of Certificates Cancellation of Certificate)
SAME AS DUPLICATE CASE.

171
Deceased’s Account
1. An option will be available in the system to tag those certificate accounts as
deceased, where customer has died and an intimation in this regard has been lodged.
By doing this the system will stop the following activities to be performed on that
account:
• Profit payment
• Encashment of Certificates
• Transfer of Funds
• Deduction of Zakat.
2. The system will calculate further profit calculation as per the rules of respective type
of certificate.

172

173
• First of all check the Nominee (s) detail in the Reg. whom you want to mark as deceased,
same like being done in case of ‘Change of Nominee’ procedure and do add the missing
information like CNIC No. etc; for Nominee before heading toward marking the Reg. as
Deceased.
• Select the Product form the List and the type the Reg. No. Whom you want to mark as
Deceased.
• Select the Certificate (s) one by one and go to Status Change Tab.

174
Status Change
• Select Deceased in Request Nature, Enter Date
of Death and then press Save Button.
documents received.

175
Item List
Enter list of documents received and go to Cert. List tab.

176
• Press ‘Authorize’ Button to forward the transaction to officer In-charge( The
same as discussed in STOP Payment) procedure.
• After the authorization go to ‘Purchase Application’ and issue the new
certificate (s) under new registration by selecting Mode of Investment as
‘Transfer to Nominee’ / ‘Transfer to Nominee Court Case’.
NOTE: - For Joint Investment we may be using ‘Transfer PP’ Method.

177
Payment to Nominees / Legal Heirs
1. An option will be available in the system to release a deceased certificate account to a
normal certificate account, in order to perform the normal functions. The system will offer options
for the settlement of the claims by nominees / legal heirs after the death of the investor. Nominees
will be required to submit written application along with the death certificate of the investor and
other relevant documents.
2. The case will be reviewed and scrutinized by the Officer In-charge who will authorize
the payment based on the above information. After the approval the nominees/legal heirs
may opt one of the following options:
i. If nominees/legal heirs wish to continue the certificate account, they will open new
certificate account with the center. For this purpose, those who wish to open the certificate
account will follow the same procedure as observed in case of Issuance of Certificate.
However, amount will be transferred to the new certificate account from their share of the
balance of the old certificate account.
ii. If one or more nominees/legal heirs don’t appear in the center to claim their amount, their
share will remain deposited in the old certificate account. Rest of the nominees will get their
share as per procedure.
Note: Not Yet Catered in the System for More than one Nominee.

178
TO ENTER ZAKAT DECLARATION / MARKING
CERTIFICATE AS PLEDGE

179
Click on the Menu option ‘Certificate Maintenance’. A

180
• Enter Product and Registration No. for which you want to Enter Zakat
Declaration.
• Now go to ‘Detail Tab’ and then to ‘Condition tab’ as shown in the next
slide.

181
• You can allow or restrict Zakat Deduction, W. Tax, Profit on Pledge on this screen.

182
• Select ‘Deduct Zakat’ in Type filed and ‘No’ in Apply field and enter the Zakat Declaration
No. in Detail Field and Press ‘Save’ Button as shown in the screen shot given below.
• Now go to ‘Request’ Tab.

183
• Press ‘Authorize’ button to proceed the transaction to Officer In-charge.

184
Click on the Menu option ‘Registration Wise’. a

185
• Now press ‘Reg. Info’ Button to see the
detail, a new Pop-up Window will appear as
shown on next slide.

186
• To verify Click on Reg. Info Button to see the Detail, a new Pop up
window will appear as shown below.

187

188
• Now return to Main Screen by
pressing ‘Close Window’ Button.

189

190
• If satisfied with the changes, then press authorize button to complete the transaction.
•‘Authorize’ Button.

192
192
Deposit  Accounts  A/C Opening Application
A/c Opening Application

193
Select Product, Mode of Investment, enter Identification No. as the investor
provided and then Save
Product
Mode of Investment
Identification Type
Identification Number
Save

194
Detail Tab consists of Address, Date of Birth, Joint Holder Detail, Name of
Nominee/Operator, Zakat Declaration Dy. No. etc.
Address
Zakat/Tax Exemption Dy No.
Nomination
Joint Holder
Date of Birth

195
After fulfilling the conditions, the application is forwarded to the verifier
through Authorize Button
Authorize Button

196
The Verifier rejects the application, in case of any deficiency
otherwise forwards it to the cashier, where Account Number is
generated. The application also allocates the signature card number
along with the account number.
In case of transfer in, DEO marks paid profits by the
transferor location on the first screen.
In case of S.S.A. or P.B. A., having different units, we have
to create these units by using transfer at transferee menu through
Deposit/Account/Transfer at Transferee which appears in next
slides.
In case of More than two nominees, system opens their
separate accounts as per prescribed share. In case of SSA, it opens
the account only for the amount which is multiple of Rs.500/-.

197
To create different units we use menu
Deposit Account  Transfer at Transferee
Transfer at
Transferee

198
Select Product and enter A/c and Press Units Tab.
Product
Enter A/c Number
Units

199
After selecting account, The units tab shows the total deposit/amount transferred from
other centre without creating units. First, select the empty box of unit number and then
click Gen. Sch. Button and finally go to Schedule tab.
Select the unit
number
Gen. Sch.
Enter amount
of unit
Enter Effective
date

200
In Schedule Tab, Select option Yes in field Paid and click Save.
Save
Select Yes for
paid profits

202
202
202
Deposit  Counter Activity Deposit / Withdrawal Sub A/c from the menu.
Click Deposit/Withdrawal
Sub A/c

203
In the screen, Select 0001-Cash Deposit in Transaction type.
Select 0010-Savings Account in Product.
Enter Account Number in the field of Account and press tab. All data about customer will appear in
relevant fields.
Enter Deposit slip number in Instrument No field and amount in Transaction Amount field.
Enter Deposit slip number
Enter amount
Transaction Type
Product Enter A/c
number

204
204
204
Click Accept button.
Click Accept

205
205
205
By pressing Save/Auth Button, the message will appear that transaction has been generated.
Save/Auth

206
206
206
This transaction moves to Inbox of data entry operator. He needs to select the relevant record and
then click the Navigate button
Select record
Navigate

207
207
207
This Navigate button reflects the relevant record into the browser of the data entry operator. Select
transaction and click Authorization button.
Authorization
Select transaction

208
208
208
A message will appear that transaction is being forwarded to next screen i.e. at Verifier
screen.

209
This transaction moves to Inbox of Verifier user. He needs to select the relevant record and then click
the Navigate button.
This Navigate button reflects the relevant record into the browser of the verifier. Select transaction
and click Authorization button. A message will appear that transaction has been completed.

210
210
210
To view transaction, select Deposit  Inquiry  Account Transactions.
Select Account Transactions

211
211
211
Select Product
A/c No.
Enter Date Enter Date
Select Sub Product
Select Product as 0010-Savings Account and Sub Product as 0001- Savings Account , enter A/c
No and Date From and Date To, all the transactions will be displayed.

212
212
212
Similar case with SSA & PBA.
Select 0001-Cash Deposit in Transaction type, 0009-Special Savings Account in Product field,
enter A/c No in Account field, (and by pressing tab, all information about customer will be
appeared in different fields.), Deposit slip number in Instrument No filed and amount in
Transaction Amount field (Account will be increased by deposit amount) and press Accept
button.

213
213
213
By clicking Save/Auth Button, Transaction will be generated and moves to inbox of data
entry operator.
Save/Auth

214
The transaction will be in inbox of user, Select Transaction from inbox
and press Navigate button, The transaction will move to browser of user.
Select transaction and press authorize button.
In next step, The transaction will move to verifier screen. Follow the
same procedure at verifier level.

215
215
215
Select Deposit  Inquiry  Account/Sub Account Balance.
Click Account /Sub Account
Balance

216
216
216
Select Product as 0009-Special Savings Account and Sub Product and enter
A/c From and A/c To, all units of that account will be appeared with their
balance amount, unit opening date and profit schedule.

217
217
217
Similar case with PBA.

218
DEPOSIT IN ACCOUNT(s)
THROUHG CLEARING

219
Select Deposit  Clearing  Inward/Outward Clearing.
Inward/Outward Clearing

220
Double click Tran Type and select 0008-Inward Clearing.
Double click Product and select 0010-Savings Account.
Enter Account number in A/c Number field and press tab, all the related information of account will
appear in respective fields.
Tran Type
Product
A/c Number

221
Enter amount in Total Amount field and click Save button, the transaction will generate.
Save
Enter amount

222
In Detail tab, click Instrument Type and select 0007-Cheque.
Detail Tab
Instrument type

223
Enter Instrument No. and Cheque Date in respective fields. Double click Bank field and select respective
bank.
Select Branch name in Branch field and amount in Amount field and press Save button.
Instrument
type
Instrument
type
Branch
Save amount

224
In Clearing tab, by pressing authorize button, the transaction will move to
Officer Incharge browser.
Clearing
Authorize

225
At officer Incharge browser, select Deposit  Authorization  Transaction
(Inward/Outward Clearing)
Transaction (Inward/Outward)

226
Enter Date From and Date To, Double click Transaction type and select 008-Inward Clearing.
By clicking Go button, all the transactions of the range will appear. Currently we have just one transaction.
Go
Date from and Date To
Transaction
Type

227
By selecting transaction in Frame 1, the instrument information will appear in
Frame 2. Click Reg. Info button.
Frame 1
Frame 2
Reg Info

228
By pressing Reg. info button, the transaction and account information will
appear in new window.

229
Press Authorization button.
Authorization

230
Realization/Un-Realization of
Select Deposit  Clearing  Realization/Un-Realization of

231
Double click box in front of Transaction type select Inward Clearing
Enter Date From and Date To and press Go button, the transaction will appear in second Frame 2.
Frame 1
Frame 2

232
select Status as Realized, enter date in Value Date and press Proceed button, the
record will finally be realized.
Proceed

233

234
234
234
Select Product as 0010-Savings Account and Sub Product as 0001- Savings Account , enter
A/c No and Date From and Date To, all the transactions will be displayed.

235
Similar case with SSA & PBA.
Select Product as 0014-Pensioners Benefit Account, Sub Product AS 0001- Pensioners Benefit
Account and enter A/c From and A/c To, all units of that account will display with unit amount,
unit opening date and profit schedule.

237
Deposit  Counter Activity Deposit / Withdrawal Sub A/c
Sub A/c

238
238
238
Select 0002-Cash Withdrawal in Transaction Type.
Select 0010-Savings Account in Product.
Enter Account Number in the field of Account and press tab. All date about customer will be appeared in
relevant fields.
Enter A/c #
Transaction Type
Product

239
Double click Instrument No and enter the withdrawal slip with serial number.

240
Enter withdrawal slip number and amount in Transaction Amount field and click
Accept button.
Accept
Enter amount

241
By pressing Save/Auth Button, the message will appear that transaction has been
generated and moves to next user i.e. Verifier inbox.
Save/Auth

242
242
242
This transaction moves to Inbox of data entry operator. He needs to select the
relevant record and then click the Navigate button
Select record
Navigate

243
This Navigate button reflects the relevant record into the browser of the verifier and he
needs to check the entry and then click the Authorization button if found correct or click
reject if found wrong.
(Continued……)

244
Select transaction and click Authorization button.
A message will appear that transaction is being forwarded to next screen ie at Cashier screen.
Authorization
Select transaction

245
The same procedure has to perform in the screen of cashier. ie
The Cashier needs to select Transaction from inbox and press Navigate
button. This Navigate button reflects the relevant record into the browser of
the Cashier. Select transaction and press Authorize button. The transaction
will be completed with massage that the transaction has been performed
successfully.

246

247
247
247
Select Product as 0010-Savings Account and Sub Product as 0001- Savings Account , enter A/c
No and Date From and Date To, all the transactions will be displayed.
Select Product
A/c No.
Enter Date Enter Date
Select Sub Product

248
Similarly withdrawal in SSAs & PBAs.
Now Select Deposit  Inquiry  Account/Sub Account Balance
Account /Sub Account Balance

249
Select Product as 0009-Special Savings Account and Sub Product and enter A/c From
and A/c To, all units of that account will be appeared with their amount, unit
opening date and profit schedule. (Unit 3 and Unit 4 with balance amount).

250
Sub A/c

251
Select 0002-Cash Withdrawal in Transaction type, 0009-Special Savings Account in Product
field, enter A/c No in Account field , (and by pressing tab, all information about customer will
be appeared in different fields as shown). Double click Instrument No, the respective
withdrawal book will be appeared and enter the respective slip with serial number.

252
Enter withdrawal slip number and amount in Transaction Amount field and then
click Accept button. Sub account information of the account will appear.

253
Select Sub Account No. and enter amount in Amount field and press tab
Amount
Sub Account No.

254
254
254
When amount of withdrawal from units equates with transaction amount, then press Save/Auth
button, the transaction number will be generated and transaction will move to next verifier inbox
with information about Zakat deduction (in case of SSA) and deduction of Service charges (in
case of PBA) if any.
Save/Auth

255
(Continued……)
The transaction will be in inbox of Verifier. Select Transaction from inbox and press Navigate button.
and press Authorization button, the transaction will move to Cashier inbox.

256
The Cashier needs to select Transaction from inbox and press
Navigate button. This Navigate button reflects the relevant record
into the browser of the Cashier. Select transaction and press
Authorize button. The transaction will be completed with massage
that the transaction has been performed successfully with
information about Zakat/Service charges.

257
257
257
Now Select Deposit  Inquiry  Account/Sub Account Balance.
Select Product as 0009-Special Savings Account and Sub Product and enter A/c From and
A/c To, all units of that account will be appeared with their amount, unit opening date and
profit schedule. (Unit 3 and Unit 4 with less balance).

258
258
258
Similar Case with PBA
Select Product as 0014-Pensioners Benefit Account, Sub Product AS 0001- Pensioners Benefit
Account and enter A/c From and A/c To, all units of that account will be appeared with their
amount, unit opening date and profit schedule. (Unit 1 with balance amount).

259
Select 0002-Cash Withdrawal in Transaction type, 0014-Pensioners Benefit Account in Product
field, enter A/c No in Account field , (and by pressing tab, all information about customer will
be appeared in different fields as shown). Double click Instrument No, the respective
withdrawal book will be appeared and enter the respective slip with serial number.

260
Enter amount in Transaction Amount field and click Accept button. Sub account information of the
account will appear.
Accept

261
Select unit from Sub Account No. and enter amount in Amount field and press tab as
shown.
When amount of withdrawal from units equates with transaction amount, then press
Save/Auth button, the transaction will move to next verifier screen with information about
Service Charges or Zakat if any.
Save/Auth

262
The transaction will be in inbox of Verifier. Select Transaction from inbox and press Navigate button.
and press Authorization button, the transaction will move to Cashier inbox.
(Continued……)

263
The Cashier needs to select Transaction from inbox and press
Navigate button. This Navigate button reflects the relevant record
into the browser of the Cashier. Select transaction and press
Authorize button. The transaction will be completed with massage
that the transaction has been performed successfully with
information about Zakat/Service charges.

264
Now Select Deposit  Inquiry  Account/Sub Account Balance.
Select Product as 0014-Pensioners Benefit Account and Sub Product and enter A/c
From and A/c To, all units of that account will be appeared with their amount, unit opening
date and profit schedule. (Unit 1 with less Unit Balance amount.)

265
PROFIT PAYMENT OF AN ACCOUNT

266
Profit payment
Deposit  Accounts  Profit  Profit Payment
Profit Payment

267
Next Screen is a frame base screen which consist upon five frames (i.e. Account Profit
Payment, List of Accounts, List of due profits, Payment detail and Total payment)
Frame 1
Frame 2
Frame 3
Frame 4
Frame 5

268
Select Product
Select the Product

269
Select Sub Product
Select the sub-Product

270
Enter Account Number
Enter the Acc #

271
After entering the account number, the frame List of Accounts shows the data and
Profit Number(s) of due profit(s) are shown in frame List of Due profits
e.g. Profit No. 11 to 15 in case of PBA 1822
Data shown
Data shown
From Profit Number
11 to 15

272
Select withdrawal slip number from the given withdrawal slip book
Select the Withdrawal Slip

273
To calculate the Profit user is required to click the proceed button which will
show the result as shown below:
Amount calculated
unit wise
Button -- Proceed
Amount calculated

274
Click the Authorize button.
Button -- Authorize

275
The entry will forward to the verifier for payment order purpose
Message

276
The verifier needs to check the inbox, first select the relevant entry
Select the entry
Navigate

277
This Navigate button reflects the relevant entry into the browser of the verifier and he needs
to check the entry and then click the Authorize if found correct or click reject if found wrong.
Button -- Authorize

278
The same has to perform in the screen of cashier
Button -- Authorize

279
REINVESTMENT OF AN ACCOUNT

280
For Reinvestment of an account
user required to paid the last profit in reinvestment mode by using
Deposit  Accounts -> Profit  Profit Payment

281
Select the Product, Sub-Product enter the account number
and select the profit coupon
Product
Sub-Product Account No.
Withdrawal Slip

282
Select Payment mode Reinvestment
Payment mode

283
Click the check box on the relevant unit number and then click the proceed button
which will show the result :
Amount calculated
unit wise
Button -- Proceed
Amount calculated
This should be checked before
click the proceed button

284
To authorize the values user need first to check the relevant unit number and
then to click the button Authorize and then user need to press OK
Button -- Authorize
This should be checked before
click the Authorize button

285
The entry will be forwarded to the verifier for payment order purpose
Message

286
The verifier needs to check the inbox, first select the relevant entry
Select the entry
Navigate

287
This Navigate button reflects the relevant entry into the browser of the verifier and
he needs to check the entry and then click the Authorize if found correct or click
reject if found wrong.
Button -- Authorize

288
Button -- Authorize

289
Account Reinvestment
Deposit  Accounts  Reinvestment

290
Next Screen is a frame base screen with four frames (i.e. Unit Reinvestment,
Sub Account(s), List of Paid Profit(s) and Profit Payment detail
Frame 1
Frame 2
Frame 3
Frame 4

291
Select the Product
Select the Product

292
Select the Sub Product
Select the sub-Product

293
Enter the Account number and press the GO button
Enter the Acc #
Press GO

294
Resultantly the unit with new investable amount i.e. multiple of Rs.500 has been
shown where as the remaining amount shown in Field Non-Investable Amount
New investable
amount
Non investable
amount (if any)

295
Select the check box and this will show the paid profit detail as below:
Check box
List of Paid
Profits

296
Press the Authorize Button, this entry will move to the verifier
Button --Authorize

297
The verifier needs to check the inbox, first select the relevant entry And then
click the Navigate button
Select the entry
Navigate

298
This Navigate button reflects the relevant entry into the browser of the verifier
and he needs to check the entry and then click the Authorize if found correct
or click reject if found wrong.
Check
Button --Authorize

299
Check
Button --Authorize

301
Maintenance of Accounts:
Amendments in the Personal Information of Account Holder (s)
1. The system will allow for the amendment in the certain personal information of the account holder.
An account holder can request for the change in the following information, through a written
request (Requisition for Change):
• Name
• Address
• Contact Info etc.
2. The written application would be scrutinized against the relevant records. The Dealing Officer /
Official will retrieve the relevant record from the system. After verification & approval by the
officer In-charge, the system will be updated for the relevant information and a log will be created
in the System Log option. The system will keep track of all the information amended in the system
by maintaining a proper log.
3. In case of change of name, the Passbook will be updated with the new name (through printer or
manually)..
NOTE: The same procedure as being done in case of Certificates will be followed.

302
Change of Specimen Signature of Customer
Deposit  Accounts  Sign Capturing
1. A customer desiring to change his / her specimen signature will be required to submit a written
application, affixing his / her old and new signatures to the Center. The Dealing Officer / Official will
retrieve the relevant record from the system. The existing signature of the Account Holder (s) will be
verified from the system.
2. After approval, the customer’s signature on the application will be scanned and stored in the
database, associated with the customer profile, replacing the old one.

303
Change of Nominees
An account holder can change the account nomination by fulfilling the requirements.
The activities involved in this type of change require the submission of application and
scrutiny of the documents against the relevant records. The Account Holder will be
required to submit a written application stating the details / circumstances under which
the change is required. The Dealing Officer / Official will retrieve the relevant record
from the system. The scanned signature of the Account Holder will be verified. After
verification, the Officer In-charge will review and approve the requisition. After
approval, the changes will be done through Account Maintenance option. The Officer In-
charge will review and post the changes after which the changes will be effective. In the
case of Passbook account the, Passbook will also be amended and endorsed.

304
Deposit  Accounts  Maintenance  A/C Maintenance
• Click on the Menu option ‘A/C Maintenance’. a

305
Deposit  Accounts  Maintenance  A/C Maintenance from main screen, a new
screen will display.
• Select the desired Product and type the A/C No. in
which the Change of Nomination is required and
press Go button. The data will be displayed in
different fields as shown.
• Now go to ‘Detail' tab and then to ‘Associate’ tab.

306
• For updating the already entered record make changes
in the respective fields and press ‘Update' button as
shown in next slide.

307
• The changes can be seen in the slide above.

308
• In order to add new nominee first press ‘Add’
button and then after entering the nominee
profile press ‘Save' button.
• To enter the address of Nominee go to ‘Detail’
Tab as shown in next slide.

309
• In order to add new address first press ‘Add’
button and then after entering the details press
‘Save' button.
• Now return back to ‘Request’ Tab.

310
• Press ‘Authorize’ button to proceed the
record to Officer In-charge.

311
Deposit  Authorization Accounts  Maintenance  Maintenance
• Click on the Menu option ‘Maintenance’. a new
window will appear as shown on next slide.

312
Deposit  Authorization Accounts  Maintenance  Maintenance
• To approve the transaction Press
‘Authorize’ Button.

313
1. Account can be opened on behalf of minors. When the minor account holder attains
majority, he / she will be required to intimate the center about the fact of his / her attaining
majority. An application on prescribed format DA-1A, duly verified and introduced, will be
submitted along with the copy of NIC. A new Signature Card will also be provided to the minor for
recording his / her signature in the system. The Dealing Officer / Official will retrieve the relevant
record from the system. After verification, the information provided by the applicant on DA-1A
will be entered into the system for the changes.
2. The Officer In-charge will review and approve the changes after which the changes will be
effective. After approval, the following activities will be performed:
• New Signature Card will be scanned into the system, replacing the old one
• Change the status of account stating that it will be operated by minor (now major)
• Update Passbook with the particulars of minor (now major)
3. The system will keep track of all the information amended in the system by maintaining a proper log
as explained in the security module.

314
• Click on the Menu option ‘A/C Maintenance’.
• Further the same procedure will be followed as being done in case
of Certificate, i.e.;
 “ Select the required Identification type from
Identification type field from the List” etc.

315
Dead Account (SA)
• Marking Dead Account
• Revival from Dead Account
• Lapse to / Revival from Federal Govt. Account
Note:- Not Yet Catered/tested in the System.

316
Deceased’s Account
An option will be available in the system to tag those accounts as deceased,
where customer has died and an intimation in this regard has been lodged. By
doing this the system will stop the following activities to be performed on that
account:
• Withdrawal of Cash
• Transfer of Funds
• Deduction of Zakat
• Closing of Account

317
Deposit  Accounts  A/C Maintenance  Status Change
• Click on the Menu option ‘Status Change’. A new

318
Status Change can be performed By using
i) Customer ID ii) Identification Type (CNIC/NIC etc.) iii) A/C No.
• First of all check the Nominee (s) detail in the Account, whom you want
to mark as deceased, same like being done in case of ‘Change of Nominee’
procedure and do add the missing information like CNIC No. etc; for
Nominee before heading toward marking the Account as Deceased.
• Select the Product form the List and the type the A/C. No. Whom you want
to mark as Deceased. Then go to Status Change Tab.

319
Status Change

320
Status Change
• Select Deceased in Request Nature, Enter Date of
Death and then press Save Button.
documents received.

321
Item List

322
Deposit  Authorization  Accounts  Maintenance  Request Change in status Change
• Click on the Menu option ‘Request Change in Status change’.
A new window will appear as shown on next slide.

323
Deposit  Authorization  Accounts  Maintenance  Request Change in Status Change
• Press ‘Accept’ Button to authorize the transaction after necessary verification.

324
Freezing of Account
An account / certificate can be set frozen so that no further transaction can take place in it.
This option will be available in the system for the following situations:
• Management decides to freeze the account for certain reason
• Govt. orders for the freezing of account of a particular type
• Customer requests for the same
• Click on the Menu option ‘Status Change’. a new

325
Status Change can be performed By using
i) Customer ID ii) Identification Type (CNIC/NIC etc.) iii) A/C No.
• Select the Product form the List and the type the A/C. No. whom
you want to mark as Freeze. Then go to Status Change Tab.

326
Status Change

327
Status Change
• Select Freeze in Request Nature and then press
Save Button.
documents received.

328
Item List

329
• Click on the Menu option ‘Request Change in Status change’.
A new Window will appear as shown on next slide.

330
•Press ‘Accept’ Button to authorize the transaction after necessary verification.

331
Payment to Nominees / Legal Heirs

332
Certificates Transfer from Centre to Centre

333
There are two types of Transfers from Center to
Centre, that are:
• Certificates
• Accounts

334
Deposit Certificates  Inquiry  Certificates (Reg)
Certificates Reg)

335
Select Product from the list.
Enter Registration No. and press Go. It will show all the certificates of that registration in second
frame and profit schedule & Profit payment Status in third frame. The Status of all certificates in
second frame is Normal

336
Select Deposit  Certificates  Transfer  Request
Request

337
• Select Request Nature (0021- Transfer CC
• Select Product
• Enter the Registration No. and press Tab,
all the relevant data will be fetched in
respective fields.
Select Request Nature & Product and enter Registration number.

338
Consider Heading Transferee
• Select Location
• Click the button ‘Save’. The request will
be saved in the list as shown above.
Select Location and press Save button.

339
Select request and click on Tab Certificate(s)
First Save the request and then click on the tab Certificate(s).
Continued..…

340
From Previous Page
In this screen we can verify the number of certificates related to the registration
click tab ‘Transfer’

341
Authorize Button
Select the request and press Authorize button.
Request No

342
A message will appear which shows that the transaction has been forwarded for
authorization to Officer In-charge or verifier screen.
Message

343
At verifier or Officer incharge screen, select
Deposit  Authorization Certificates  Transfer  Request
Request

344
Frame 2
Frame 3
Click Request Nature and select 0021- Transfer CC from the list and press Go button,
The Request will appear in second frame and Certificates in third frame

345
Select the request and press Authorize button, A message will appear which shows
that the transaction has been authorized.
Authorize
Select Request No

346
At Data entry screen, Select
Deposit  Certificates  Transfer  Approval
Approval

347
The authorized request will automatically be placed in the list. Select the request.
Continued..…

348
Enter the Reference No.
•Enter Date
•Select Status (Approved)
From Previous Page

349
Press Update button
Update

350
A message will appear that transaction has been updated successfully.
Message

351
Select Request No and click on Tab Certificate(s)
First click the request No. and then click on the tab Certificate(s)

353
Click check box at left side of all certificates
& Click tab ‘Transfer’
From Previous Page…….
Continued..…

354
From Previous Page ……
Select the request and press Update button. A message will appear which shows that the
transaction has been forwarded for approval to Officer In-charge or verifier screen.
Update
Message

355
At Officer incharge or verifier screen, Select
Deposit  Authorization Certificates  Transfer  Approval
Approval

356
select 0021- Transfer CC from the Request Nature and press Go button,
The Request will appear in second frame and Certificates in third frame.
Frame 2
Frame 3

357
Select the request and press Authorize button.
A message will appear which shows that the transaction has been approved.
Authorize
Select Request No

358
To the registration, select
Deposit Certificates  Inquiry  Certificates (Reg)
Certificates Reg)

359
Select Product from the list. Enter Registration No. and press Go. It will show all the certificates of
that registration in second frame and profit schedule & Profit payment Status in third frame. The
Status of all certificates in second frame is now Transferred

361
Deposit Certificates  Transfer Request

362
Deposit Certificates  Transfer 
Request
• Select Request Nature
• Select Product
• Enter the Registration No. under heading
Transferor

363
From Previous Page
First Save the request and then click on the tab Certificate(s)
• Select Identification Type
• Enter Identification No.
• Select Operating Type
• Click the button ‘Save’
After click on save as mentioned below
click on Tab Certificate(s)

364
From Previous Page
In this screen we can verify the number of certificates related to the registration
click tab ‘Transfer’

365
From Previous Page
by clicking the Authorize Button, a message will appear which shows that the transaction has been
forwarded for authorization to Officer In-charge or verifier screen.
Authorize Button

366
Deposit Authorization  Certificates  Transfer  Request

367
Deposit Authorization  Certificates  Transfer  Request
Click ‘Authorize’ Button to authorize the transaction after necessary verification.

368
Deposit Certificates  Transfer  Approval

369
Deposit Certificates  Transfer  Approval
• Enter Reference No
• Enter Date
• Select the Status
Click Update

370
Deposit Authorization  Certificates  Transfer  Approval

371
Deposit Authorization  Certificates  Transfer  Approval
Click ‘Authorize’ Button to authorize the transaction after necessary verification.

372
TRANSFER PERSON TO PERSON
ISSUANCE OF FRESH CERTIFICATES WITH NEW
REGISTRATION TO THE TRANSFERROR

373
• Select Requested Product
• Mode of Investment
Deposit Certificates  Certificate Purchase Application

374
• Old Reg. Ref.
User need to enter the old registration number

375
After Save click on Detail tab
Click on this button
Save the request.

376
Detail
Fill the information as already mentioned in earlier
cases. What ever information is new will be filled
accordingly.

377
Select the Request Tab and click
Authorize Button
Request Tab

378
Request Tab
Select the Request Tab and click Authorize button.

379
After authorization the entry has passed on to the
verifier/officer incharge with the following message
Same steps as previously done.
Finally Registration Number 24468 for Rs.450,000 has
been generated. And certificates has been issued
accordingly.

380
Report for Discharge Journal

Co-relation Process 382
Co-relation Process

Select Deposit  Inquiry  Investment Identification wise
Investment identification wise

Select CNIC from Identification type and enter CNIC number in the box and
press GO button. The data will show in the next frame. The holder of CNIC has
investment in SA 11271& RIC# 20304 on the basis of customer code.
CNIC CNIC Number

Select Deposit  Certificates  Maintenance  Certificate Maintenance
Certificate Maintenance

Select Product as 0002-Regular Income Certificate and enter Registration No. for
which correlation is required, and press Go button. The data will show in List box.
Select registration number and press Detail Sub tab.
Select Registration No. from the list and
press Detail Sub tab.

In Co-relation Sub tab, Double click the Sub Product and select 0001-Savings Account,
double click Account No and (SA 0011271) will automatically be shown in the list on the
basis of Customer code. (if a/c number is different than original S A/c of the investor, it
means that there is some problem that whether RIC or SA has different customer code.
Be careful while selecting account number in Co-relation sub tab, if wrong SA is selected
then in future, monthly profit will be credited in that account.)
Sub Product Account No.

Continue---
Select ‘Yes’ from the list of Transfer, and press Save Button, a message will appear that
“Record has been saved”
Go to Request Tab and forward the same request for authorization.
And at Officer In-charge or verifier screen, authorize the same request.
Transfer
Save

Select Parameter  Global Control  Global Values from Officer In-charge screen.
Global Values

Select Global (Global Period) from the List at Page 2 as shown below.
Type

In values, Select PRTTOSADT from the List at Page 2 as shown below.

Set value as 15/02/2012 i.e. one day earlier than current date and press Update button.
(This is one time activity.)
Update

Select Deposit  Processing  Accounts  Profit To SA
Profit to SA

Continue---
Select Date as current date and press ‘Process‘ button, a message will appear that
“Operation has been performed, Successfully.’
Process

Index Journal
Select Deposit  Reports  Accounts  Index Register

Profit Journal Report

Account Deposit Journal
Account Deposit Journal
Same is the case with BSC & PBA

Annual Profit Payment of Savings Accounts 398
Manual For Annual Savings Account Profit

399
Now the system is configured properly and is ready for Day end, Month end and Savings account
annual profit process. The savings account annual profit process consists of four phases.
1. Day end.
2. Month end.
3. SA Annual Profit Process.
4. Day end and Year end Balance posting.
Day end:
we will execute the process of Day end from the first to the last of each month. At the last of each
month, we will execute the process of month end.
Annual Profit Payment of Savings Accounts

400
For Day end process,
Select Deposit  Processing  Accounts  Account Balance Opening
Account Balance
Opening

401
The Trans Date field will show the date of the system i.e. current date.
Now for Day end process, press Proceed button.
Proceed

402
The Day end process will continue for the whole month. At the last day of each month, we will execute
day end same as already we have done, the next step is month end.
For month end, Select Deposit  Processing  Accounts  Accrual Generation
Accrual
Generation

403
Select Product as 0010-Savings Account, Scheme as 0001-Savings account, A/c From as first
account & A/c To as Last account from the list and press Generation button. The message will
show that process is executed successfully.
Generation
Annual Profit Payment of Savings
Accounts

404
This will continue for the whole year. On 30th
June, we will execute day end & month end same as
already we have done, the next step is SA annual profit process.
For this purpose, Select Deposit  Processing  Accounts  Profit Payment
Profit Payment

Select Product as 0010-Savings Account, Scheme as 0001-Savings account, A/c From as first
account & A/c To as Last account from the list. Press Posting button. The message will show that
the process is executed successfully.
Posting

After the profit has been executed, now we will execute day end and Year end balance posting.
For the day end process, select Deposit  Processing  Accounts  Account balance opening
Account Balance
Opening

Proceed
Press Proceed button.

As the SA annual profit process has been executed successfully, Now the last step is to post the
closing of 30th
June as the opening balance of 1st
July.
For this purpose, Select Deposit  Processing  Accounts  Year End Balance Posting
Year End Balance
Posting

Proceed
The Trans Date field will show the date of the system i.e. current date. Now for balance
posting, press Proceed button.

410
Summary of the whole process.

411

412

Annual Zakat Deduction on Savings Accounts 413
Manual For Annual Zakat Deduction
on Savings Accounts

For Zakat Inquiry,
Select Deposit  Reports  Activities  Zakat Inquiry (SA)
Zakat Inquiry

The Valuation Amount field will with Zakat Valuation Amount given by
SBP. Now press Execute button.
Execute
Zakat Valuation Amount

416
The following screen will appear showing Savings Accounts with Balances above Rs. 38810.
Now press Print button, and then press OK on the next two (2) popup tabs respectively.
Press
Print
Button
Annual Zakat Deduction on Savings Accounts

417
The following screen / adobe file will open. In case of S.No.66 ‘No Zakat’ will be deducted, but
Zakat will be deducted at S.No.71. In case of S.No. 69 ‘Half Zakat’ will be deducted.

For Zakat Deduction of SA:
Select Deposit  Processing  Accounts  Zakat Deduction
Zakat Deduction

On the following screen fill up the fields, and then press Proceed button.
Proceed

Press OK. And go to Deposit  Reports  Activities  Zakat Collection (SA)
Execute

421

Main/Core Business Application User Manual

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Main/Core Business Application User Manual