USER MANUAL Version 1.0

USER MANUAL Version 1.0 Web based Bank Recovery Incentive Scheme (BRISC) For Directorate of Institutional Finance Government of Madhya Pradesh & it s sub-ordiante offices in all districts of MP. Prepared by National Informatics Centre Madhya Pradesh

Amendment Log Version Date Change Brief Description Number Number 1.0 26/02/2010 First Release Sections Changed

Table of Contents Section Description Page No. 1 Introduction 4 1.1 Audience 4 1.2 Purpose of this Document 5 1.3 Document Organization 5 1.4 Conventions 5 1.5 References 5 1.6 Problem Reporting 5 2 Product Features 6 3 General Operating Instructions 7 4 Specific Operating Instructions 9 Annexure Annex Description Page No. No. I Input 27 II Output 32

Section 1 1. INTRODUCTION The State Government of Madhya Pradesh approved an incentive scheme for the participating banks on Sharing of recovery cost basis with a view to achieve the objectives laid down under Madhya Pradesh Lok Dhan (Shodhya Rashiyon Ki Vasuli) Adhiniyam 1987 for recovery of bank dues. The scheme came into force with effect from 1st April 1995. However, the Scheme was effectively implemented with effect from 1st April 1996. Initially, sixteen commercial banks had volunteered to join the Scheme. Subsequently two more commercial banks joined. Keeping in view its success, 21 Regional Rural Banks have opted to join the Scheme since 1st April 1999. After bifurcation of the State, at present nineteen commercial banks, seventeen regional rural banks and one financial institution are the participating members of this scheme. Upto the March 2002, recoveries effected under the Scheme amounted to around Rs. 275.24 Crores. During 2002-2003 inspite of drought in most parts of the State around Rs. 41.06 Crores were recovered. Commercial Banks assist State Government in meeting targets for institutional financing of government sponsored programmes and schemes of poverty alleviation and self employment. As disbursement of loans to beneficiaries under government sponsored schemes are target oriented, very often recoveries are not up to the mark. Recoveries are lifeblood of financial system, as these make recycling of funds possible. Therefore, Commercial Banks have constantly been urging State Government to assist them in recoveries, just like the banks assist State Government in meeting targets. Under the Bank Recovery Incentive SCheme (BRISC) the Banks were required to pay to BRISC account 2.5 percent of the amount recovered under RRC filed cases with the help of the Government (Revenue) authorities. NIC MPSC Bhopal has studied, conceptualized, designed & developed Web Based Bank Recovery Incentive Scheme. The objective of system is the efficient maintenance of Revenue Recovery Certificate (RRC), monitoring and management of recovery made. The basic inputs to the computerized system are RRC Details and Recovery made. 1.1 Audience BRISC has been designed for the end users of Directorate of Institutional Finance and District BRISC Cell. The functional knowledge of BRISC and basic knowledge for operation of computer under windows environment is a prerequisite. The user can operate the software by following the instructions given in

this manual without any specific training. Operational learning of Computerbased BRISC is also required. 1.2 Purpose of this Document The purpose of this document is to guide the user on the operation & implementation of the computerized system BRISC. It also provides workflow & user-friendly instructions on how to use various modules of software. 1.3 Document Organization For convenience, this document is organized into five sections. Section-1 deals with introduction while Section-2 provides product features. Section-3 contains General Operating instructions & Specific operating instructions covered in section-4. Section-5 comprises of annexure on Input & Output formats. 1.4 Conventions The following conventions are adopted in this manual: All system responses are shown underlined. All user responses are shown in italics. 1.5 References S. Title Publisher/author Version Release Date No (if Any) 1 NIC Quality Manual NIC (http://intranic.nic.in) 1.0 29/02/2004 2. NIC Definition Document NIC (http://intranic.nic.in) 1.1 29/02/2004 3 NIC Project Life Cycle NIC (http://intranic.nic.in) 1.1 29/02/2004 1.6 Problem Reporting We welcome your valuable feedback and suggestions, which may please be submitted to the following addresses / email: ids. Directorate of Institutional Finance Chief Executive Officer & JD (BRISC) C Block, First Floor, Vindhyachal Bhavan, Bhopal (MP) e mail id: difbho@mp.gov.in (Shri Gopal Dubey, Programmer) National Informatics Centre State Informatics Officer, NIC MP State Center, Vindhyachal Bhavan, Bhopal (MP) e mail id: rv.rao@nic.in (Shri R V Rao, Technical director)

Section 2 2 PRODUCT s SALIENT FETURES The web-based BRISC software has been developed in ASP.net as a Front-end & MS SQL Server as Back-end under Windows Environment. Software empowers the State Government and Bank Administration to monitor the recovery against the loan to reduce the revenue losses. Software also assists to analyze the data in various ways with help of on-fly computer generated reports. It provides Effective, Efficient & Transparent system for the Bank Recovery Incentive Schemes by efficient maintenance of RRCs, monitoring and management of recovery made, etc. The features of the package are as follows: Web based solution, with UNICODE compliance /local language support Easy to navigate menu structure to meet the functional needs facilitate quick access to any option. Built-in security features including the User-id and password protection mechanism to prevent unauthorized access to the data Role based access Necessary built-in checks for inter-related fields. Facilitates easy maintenance and updation of data Serves as Decision Support System for State / District Level authorities and provides various on-line analytical reports Target Users Banks District BRISC Cells Directorate of Institutional Finance

Section 3 3 GENERAL OPERATING INSTRUCTIONS A. Information Requirement Following information is essential to implement BRISC Master information of Districts, Tehsils, Banks, Branches, Schemes, Revenue Officers & Treasuries (Master Data) Revenue Recovery Certificate (RRC) Details RRC allotment RRC payments to Bank, Treasury RRC disposal B. Steps for Implementation of Software The steps for implementation of BRISC are as follows: For better results use web browser Mozilla FireFox Invoking of BRISC Package Creation of state level bank user Creation of State/district level government users Creation of bank users at district/branch for operation of package Creation of government users at tehsils for operation of package Verification of Master data related Tehsils, Banks, Branches, Schemes, Revenue Officers & Treasuries Any updation in Master data may be communicated to Directorate of Institutional Finance. Entry of RRCs & computer generated RRC nos. Verification of Check list Forwarding of RRCs by Banks Approval/Rejection of RRCs Allotment of RRCs to Revenue Officers Entry of RRC payment in bank/treasury Disposal of RRCs Generation of reports.

C. User Management There are two categories of Users viz. Government & Banks. In each category there are three levels. For government users these levels are State, District & Tehsil and for Bank users the levels are State, District & Branch. At state level, Super user will create the users for both categories. State user of both categories will create users of the next lower level viz. District level users. Like wise the district level users will create users for the next lower level viz. Tehsil/Branch under respective categories of government and Banks. Access to various options in the application will depend upon the category and level that the user belongs. D. RRC Reconciliation In the existing system, sometimes the details of payments made by the defaulters at banks against RRCs are not reached DIF / District BRISC Cell for various reasons. This software helps in bridging this information / communication gap. To begin with while capturing the person s details it also captures the loan account number of the beneficiary in the bank. The mapping of RRC and its loan account number is internally done by the system. At the end of the month a branch-wise statement is generated at district level for each bank for RRC reconciliation. It produces loan account number wise details like deposits made, non-receipt of deposit, etc of all the defaulters of the said bank/branch.

Section 4 4 SPECIFIC OPERATING INSTRUCTIONS Invoking of the Package BRISC package can be invoked by double clicking the Mozilla Firefox web browser. On clicking on the Mozilla Firefox, URL address screen will be displayed: Type the following URL in front of Address http://demo.mp.nic.in/brisc After typing address correctly, Press Enter key or Click on Go with the help of mouse, first screen of BRISC software will be displayed as below Click on Proceed for Login with the help of mouse, Login Screen of BRISC software will be displayed as below

In above screen, the System will prompt for User Name and Password. Enter User ID and Password and click Submit Button. Successful login will result in display of a screen with a Main menu of the System as below At any point of time, by Clicking Home Page user can go back to Main Menu from any previous option selected earlier. The procedure for selection of option & field navigation is as follows: Option Selection By moving mouse on desired option & click it Field Navigation/Data Modification/Save For Moving forward From one field to another field, use TAB For Moving backward From one field to another field, use Shift TAB For Saving a record Click on Save Button otherwise data will not be saved For Quit program, Click on Cancel Button. The Main Menu of the BRISC has five options Besides Home Page as given below: 1. Data Entry 2. Information 3. Reports 4. House Keeping 5. Logout The option-wise details, like purpose, function and how to use, etc are explained in subsequent paras for better understanding of user perspective. 4.1 Data Entry This option allows entering, modifying, deleting & viewing the data related to Master data viz. Districts, Tehsils, Banks, Treasuries, Revenue Officers & Schemes, RRC Management and RRC Deposits for the chosen location of district/tehsil/bank/branch. On selection of Data Entry on the main menu, a sub-menu will be displayed as shown below:

Data Entry Option has three sub-options: (Screen after selecting Data Entry option) 1. Master Entries ( For Super User only) 2. RRC Management 3. RRC Deposits The functions performed by each of the sub-option and it s use are as follows: 01. Master Entries The details pertaining to Districts, Tehsils, Banks, Treasuries, Revenue Officers and Schemes will be maintained and updated as and when required by Super User. However all authorized users of this web application, can view and print this information. 02. RRC Management The access to the options available under RRC Management is entirely role based. Bank user is authorized to use options of RRC Creation, RRC Modification, RRC Checklist and RRC forwarding. The Government user is permitted to use options RRC Approval, RRC Allotment and RRC Disposal. 03. RRC Deposits The details of recoveries made against the RRC issued are recorded here. The RRC amount deposited at Bank/Branch is entered using RRC Deposits- Bank. The sub option RRC Deposits- Treasury records the details pertaining process fee and cost of processing amount deposited through challans at Treasuries.

4.1.1 Master Entries (For Super User Only) This sub option is used to enter details pertaining to Districts, Tehsils, Banks, Treasuries, Revenue Officers and Schemes. On selection of Master Entries the following screen will be displayed: Clicking of sub option District displays the following screen from where Super User can either add a new district or modify/delete already existing district details. Like wise remaining subs-options viz. Tehsils, Banks, Treasuries, Revenue Officers, Schemes under Master Entries can be chosen for addition, modification or deletion. The mode of operation is same for all the sub options. However, access to this option is only permitted to Super User. Therefore any changes required in the master information have to be communicated at Directorate of Institutional finance. It will be maintained and updated as and when required by Super User only. However all types of users to this system, can view and print this information.

4.1.2 RRC Management Depending on the category of the user, this option provides appropriate sub-options. A Bank/branch user is entitled to use sub-options of RRC creation, RRC Modification and RRC Checklist. A bank district level user will have additional option i.e. RRC Forwarding. Bank branch user can enter the RRC details and all the entered RRC of a particular bank will be forwarded by district level bank user for its issuing. The Government user will have sub options RRC allotment and RRC disposal. A Government district level user will have additional option i.e. RRC Approval. Screen shots showing both categories of the user along with available options are as below: (Screen shot showing available options for Bank-Branch level under RRC Management) (Screen shot showing available options for Bank-District under RRC Management) (Screen shot showing available options for Government-Tehsil level under RRC Management)

(Screen shot showing available options for Government-District level under RRC Management) 4.1.2.1 Bank Users 4.1.2.1.1 RRC Creation A branch level Bank user can enter RRC of its branch. After login, the District, Tehsil, Bank & branch will be automatically set for the user. The Scheme name and RRC issue year are to bed initially to start with data entry. After feeding rest of information necessary for generating Form-1, user has to click save button to permanently store the information. Against each RRC, computer will generate a unique number which has to be used for any future reference. In case of RRCs already issued, user has the optional facility to record details of RRC issue no & date as well. The computer generated 16 digits RRC number comprises of 4 digit RRC issue year, 2 digit bank code, 2 digit district codes, 3 digit tehsil code and 5 digit serial number. (example: YYYYBBDDTTTNNNNN. YYYY-year, BB- Bank code, DD-District Code, TTT Tehsil code and NNNNN-Serial Number) (Screen shot showing RRC creation under RRC Management)

4.1.2.1.2 RRC Modification The facility to modify the RRC entries (made earlier) is available under RRC Management option for the Branch level bank user. User is required to provide only RRC issue year and 5 digit serial number from the computer generated RRC number. The RRC related details can be modified using this option. 4.1.2.1.3 RRC Checklist (Screen shot showing RRC modification under RRC Management) The RRC can be printed using this option. User will have the facility to either print a single RRC based on its computer gene rated number or all RRC created in a particular day. (Screen shot showing RRC Checklist under RRC Management)

4.1.2.1.4 RRC Forwarding This option is available to district level bank user. At district level, bank will have the provision to forward it s branch-wise RRCs to competent government authority for approval. Once the RRC is forwarded, the modification of that particular RRC will not be allowed and the details are deemed to be freezed. 4.1.2.2 Government Users 4.1.2.2.1 RRC Approval (Screen shot showing RRC Forwarding under RRC Management) Using this option, government user at district level, either approves the RRC presented online by the bank or rejects it for any specific reasons. In case of rejected RRC, modification is permitted for respective branch/bank. (Screen shot showing RRC approval under RRC Management)

4.1.2.2.2 RRC Allotment Once approved, the RRC is available to be allotted by the Government District user. RRC case no and issue date is marked. It also captures the information about the Revenue officer to whom the RRC is allotted. Software picks up the Revenue Officer by the unique employee code of the Revenue officer. Other wise employee name can be directly entered by choosing Allotment Officer as other. 4.1.2.2.3 RRC Disposal (Screen shot showing RRC Allotment under RRC Management) The RRC can be disposed off by the Government district user after the settlement. There are various categories under which the cases are settled. (Screen shot showing RRC Disposal under RRC Management)

The Categories of RRC disposal are - CA- Cancelled - In case of RRC returned by the RO. SA- Satisfied In case full amount recovered. ST- Settled In case of OTS by bank (full @ 3% processing cost on RRC amount and on settled amount @ 2.5% BRISC amount to be deposited by concerned bank). WT- Withdrawn In case RRC is withdrawn by the bank. (@ 3% processing fee has to be deposited by the bank)

4.1.2 RRC Amount Deposits 4.1.2.1 Bank Deposit The amount recovered against the RRC issued is recorded using this option. It also captures the information about the Officer/other authorized person through whom the amount is recovered. 4.1.2.2 Treasury Deposit (Screen shot showing Bank Deposit under RRC Amount Deposits) This option helps in capturing the details of process fee & cost of processing through challan at Treasury against the recovered amount by Banks. (Screen shot showing Treasury Deposit under RRC Amount Deposits)

4.2 Information This option is used to view / query the stored information on screen. It has got two suboptions. a. Master Information b. RRC Search 4.2.1 Master Information (Screen after selecting Information option) This option helps in viewing the master details related to districts, Tehsils, Banks, Branches, Treasuries and Revenue Officers etc on screen. On Selection of this option, following screen will be displayed. (Screen after selecting Master Information option)

4.2.2 RRC Search RRC search facility is also provided for the ease of operations. User can search RRCs, based on the criteria of RRC issue year or RRC creation date or issue date or by the name of the defaulter. 4.3 Reports (Screen after selecting RRC Search option) The Report option facilitates, generation of various reports. These reports can be printed on paper as well exported to any desirable formats (Excel, word, pdf, etc). On selecting Reports option on main menu, a drop down sub-menu will appear on the screen as shown below. (Screen after selecting Report option)

At present, it has got three sub-options. a. Master Reports b. Other Reports c. RRC Reconciliation 4.3.1 Master Reports This option facilitates printing of details pertaining to master data of District, Tehsil, Bank, Branch, Treasury, Schemes and Revenue Officer into printable formats. User will have the facility to export these reports in different formats i.e. PDF, Excel etc. 4.3.2 Managerial Reports (Screen after selecting Master Report option) This option facilitates printing of all the formats viz. Form-1 ~ Form-10 into printable formats. User will have the facility to export these report in different formats i.e. PDF, Excel etc. However access to these options is User type / User Role Dependant. (Screen after selecting Other Report option)

4.3.3 RRC Reconciliation Every month bank can generate this summary report which reflects branch-wise deposits made to the bank. This will record individual s loan account number along with the amount deposited by him at the bank. 4.4 House Keeping The House keeping facilities are internal requirement for the smooth operation of the software system such as User Management, Password Change, User List and Password Reset. On selecting this option, the following menu appears on the screen: (Screen after selecting House Keeping option) Certain options are restricted and only super user can access those options.

4.4.1 User Management This option facilitates creation of new users and only Super User admin has privilege to access this option. On selection of this option the following screen will be displayed. 4.4.2 Password Change Using this option user can change his password. On selection of this option, following screen will be displayed.

4.4.3 User List Using this option next higher level user of both categories viz. Government & Bank can see the list of users along with their last login details and working availability (Users gets locked by system due to failed 5 login attempts). 4.4.4 Password Reset User who has forgotten password may request its next higher level user to reset its password. This can be achieved using option.

4.4.5 User Reset Users are sometimes locked by the system due to failed login attempts. In that case using this option next higher level user can unlock the user. 4.5 Logout This option enables the user to exit from the BRISC software.

ANNEXURES Annexure-I Inputs

ANNEXURES Annexure II Outputs