Conversion of Salary A/c to SB Plus A/c:-
Hand out of SB plus
Minimum deposit in SB account is Rs. 25000/-, sweep out in Rs. 5000/-.
First step - take application from customer, then take 15g/15h as applicable and also if customer require it (because interest is taxable), modify CUMM.
VERIFY it.
Second step - Go to ACM, in 'S' option do sweep balance Rs. 25000/-
after that go to option '4' do F4, choose TD581,
sweep out 'Y', renewal as asked by customer, it can be 7 days to 10 years (rate of interest date started).
personal request more than 1 yr not to be advised then customer will not see interest reflects in SB passbook.
Then put ledger folio as sl no of SB plus customer, operation instruction, city code etc, and then F4 and F10.
Now verify ACM.
while CSOLOP you can see SB plus (FD account) in print out or you can go customer's CUMM inquire mode option 'A',you find account no started with 2200(solid)58110000.... or you can
see ACI 'A' option through CUMM inquiry.
Customer available balance will reflect between Rs 25000/- to Rs 30000/- and effective balance will be actual that is FD balance plus effective balance.
If any time balance goes below Rs. 25000/- then minimum balance charge of Rs. 200/- will be deducted.
This is daily basis product.
The customer enjoys facility as daily basis, can deposit or withdraw works on LIFO (last in first out) formula.
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