Transcript Annexure-IV ECS Manipur experience

ELECTRONIC CLEARING SERVICE (CREDIT
CLEARING)
Implementation in Manipur
Presented by:
Th. Kirankumar
Director
Treasuries & Accounts, Manipur
7/7/2015
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ECS CREDIT
** Mode of Electronic Fund Transfer
** Fund transfer from one A/C (DDOs Account)
to a large number of other Accounts
(Individual Employees Accounts)
** Uses the service of a Clearing house
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ECS & DDOs
ECS takes care of net payables (NOT GROSS)
ECS is an electronic disbursal mechanism
Pay bill
DDO
Draws under existing mechanism
Disbursal using ECS mechanism
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THE CHANGE
DDO
DDO
DDO
Treasury
Treasury
Treasury
Draw in cash
Deposit in DDOs A/C
Via DDO A/C
Instant
transfer
Disburse in cash
OLD
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Disburse by combine cheques
CHEQUES
ECS - Treasuries Manipur
ECS Disbursal
ECS
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CONTENTS
GROWTH OF ECS PAYMENT IN MANIPUR
THE PROCESS FLOW
&
ECS PAYMENT ARCHITECTURE
THE BENEFITS
THE HURDLES & REMEDIES
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PROGRESS – ECS Implementation - I
May, 2009
- Compulsory payment of salary through Bank A/Cs
26th October, 2009 - 1st Test run of ECS Credit for 4 Offices/ 23 employees
ECS payment continue every month thereafter for 6 Offices
February, 2010
-
Development of local ECS software
April, 2010 – Test run of ECS file prepared by the software at NCC, RBI, Guwahati
June, 2010
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******
TRAINING OF 461 DDOs
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PROGRESS – ECS Implementation-II
July-August, 2010 - Registration process – Offices/ Employees
19 August, 2010 - Government Decision making ECS payment mandatory
for salary
-
1st Phase of expansion of ECS payment
2 treasuries/ 200 DDOs)
December, 2010 -
2nd Phase of expansion of ECS payment
(3 treasuries/ 250 DDOs)
October, 2010
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No of registered ECS USERs
420
No of Treasuries/ Sub-Treasuries
5 (Located in Imphal area)
No of Sponsor Banks
5 (3 SBI Branches
/ 2 UBI Branches)
Clearing House (with Jurisdiction of
Imphal)
1 (presently located at SBI,
MG Avenue, Imphal)
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ECS Transaction of Volume
Sl.
No
Month
ECS Transaction
(in Rs)
No of
Credits
1
October, 2010
13,35,25,726
8246
2
November, 2010
23,28,54,992
15358
3
December, 2010
73,75,04,187
38700
4
January, 2011
48,80,48,201
26750
159,19,33,106
89,054
TOTAL
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ECS -Credit Cycle & Architecture
Preparation of
Bill by DDO
RBI
1
8
Sends Bill, Pay-in-slip,
Mandate E-2, CD to
Treasury
AG, Manipur
Accounts
7
2
3
At TREASURY
ECS reports
Converts CD into
Floppy
Returns stamped
Pay-in-slip/ R6
6
Destination
Banks carries
out POSTING
R1-R5
CH/ NCC
generates reports
for banks retains
Mandate E-2
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R6 report
5
Sponsor Bank sends
Floppy, Mandate(E-2)
to CH
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Retains CD, Bill
copy at Try
Treasury sends Floppy, 2
Copies of Pay-in-slip &
Mandate (E-2) to Sponsor
Bank
4
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Process flow
Bill from treasury
Show net amount
(say Rs 1,00,000)
# Bank Scroll /DMS Rs 1,00,000 on settlement date
# Report 6 / Pay-in-slip
Sponsor Bank/ Treasury Linked Bank
A/C submission
showing Rs 1,00,000
* Floppy
* E-2
* R-6 shows Rs 1,00,000
Clearing House
•R-1 to R-5
AG, Manipur
Destination Bank Branches
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Banks & ECS payment
Treasury Linked bank/
Sponsor Bank Branch
Rs 1 lakh bill
Treasury Bill
R6, Scroll & DMS for Rs 1
lakh
R-6
Clearing House
Debit Rs 1 lakh from sponsor bank
on settlement date
R-1 to R-5
Generate ECS reports R-1 to R-6
Destination
Bank Branch
Destination
Bank Branch
Destination
Bank Branch
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ECS REPORTS
&
FORMS
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ECS FORM
------ E-2
Total
amount
Settlement
date
Signature of USER
(RBI may modify
accordingly)
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ECS REPORT R-2
*** REPORT: ECS-R-2 ***
RUN DATE : 30/09/2010
STATE BANK OF INDIA
PAGE NO. :
01
IMPHAL CLEARING IMPHAL
ELECTRONIC CLEARING SERVICE(CREDIT CLEARING)
ECS CONTROL REPORT (ECR)
-------------------------------------------------------------------------BANK CODE : 010 BANK NAME : ALLAHABAD BANK (ALB)
-------------------------------------------------------------------------1. SETTLEMENT DATE
: 01/10/2010
2. DATE OF REPORTING UNCREDITED ITEMS
: 01/10/2010
3. USER INSTITUTIONS AND SPONSOR BRANCHS:
USER NAME(S)
SPONSOR BANK/BRANCH
--------------------------------------------------------------------------
Finance
Sectt. Planning Department
PHQ, Police Department
Directorate of Small Savings (FD)
Manipur Police Department
Education
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795002003
795002003
795002003
795002003
795002003
795027002
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Provides details
of credits of
Various Offices/
Various Sponsor
banks
For a destination
bank branch
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ECS REPORT (R-5)
REPORT:ECS:CR:R-5
STATE BANK OF INDIA
IMPHAL
CR DATE: 01/10/2010
ELECTRONIC CLEARING SERVICE (CREDIT CLEARING)
RUN DATE : 30/09/2010
ITEM-WISE DESTINATION LEDGER REPORT
PAGE NO. : 01
-----------------------------------------------------------------------------------------------------------------------------------BANK CODE : 010
BANK NAME : ALLAHABAD BANK (ALB)
BRANCH CODE :002
BRANCH NAME: IMPHAL BRANCH
ACCOUNT TYPE :10 : SAVINGS BANK
LEDGER NUMBER:
-----------------------------------------------------------------------------------------------------------------------------------ACCOUNT
NAME OF THE ACCOUNT
A M O U N T ECS ITEM BNFY'S REF U S E R
U S E R SPONS. BANK T.C/
NUMBER
HOLDER
RS.PS. SEQ-NUMBER NUMBER N A M E
NUMBER BRANCH-CODE R.C
------------------------------------------------------------------------------------------------------------------------------------
000021155075133Ch. Momon Sharma
000021155100354H. Amu Singh
000021155100365Th. Joy Singh
000021155100376L. Brajamani Singh
000021155100387Abina Kamei
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7,589.00 1950001120 0000000000076 Deputy Director
17,414.00 1950001046 0000000000001 Deputy Director
13,559.00 1950001048 0000000000003 Deputy Director
11,863.00 1950001089 0000000000045 Deputy Director
14,484.00 1950001049 0000000000004 Deputy Director
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7953187 795002003
7953187 795002003
7953187 795002003
1
1
7953187 795002003
7953187 795002003
1
1
1
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ECS REPORT (R-6)
*** REPORT: ECS-R-6 ***
STATE BANK OF INDIA
PAGE NO. :
IMPHAL CLEARING
IMPHAL
ELECTRONIC CLEARING SERVICE(CREDIT CLEARING)
SPONSOR BANK SETTLEMENT REPORT
DEBIT ITEMS :
SETTLEMENT DATE : 29/11/2010
CITY CODE : 795
BANK CODE : 027 BANK NAME : UNITED BANK OF INDIA (UNI)
BRANCH CODE : 004 BRANCH NAME : UBI IMPHAL
01
Settlement date
Sponsor bank
DDO
Total amount
No of employees
USER NUMBER : 7953007 USER NAME : 5th IRB
AMOUNT FOR WHICH SPONSOR BANK IS DEBITED - RS: ***1,23,01,591.00
RUPEES ONE CRORE TWENTY THREE LAKHS ONE THOUSAND FIVE HUNDRED NINETY ONE ONLY
CREDIT DETAILS :
-------------------------------------------------------------------------BANK NAME OF THE BANK
NO OF CREDIT A M O U N T
CODE
TRANSACTIONS
RS.PS
--------------------------------------------------------------------------
027 UNITED BANK OF INDIA (UNI)
845
1,23,01,591.00
-------------------------------------------------------------------------TOTAL
845 1,23,01,591.00
==========================================================================
DATE: 27/11/2010
SD/IMPHAL CLEARING
IMPHAL
NOTE: SPONSOR BANK MAY FORWARD ONE COPY OF THIS REPORT TO THE USER INSTITUTION
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BENEFITS
TIMELY PAYMENT OF SALARY
TRANSPARENCY – no deduction at any stage
Employees -----opt for any bank branch
Date of settlement fixed
Loan recovery & NPA of Banks
Faster Account compilation
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HURDLES
Large errors committed in data preparation
Local ECS Software
Lack of awareness all around
Training/ meetings/ etc
Crossing of Accounts – Treasuries/ Banks
Reporting/ meetings/ etc
Non credit/ Double credit/ partial credit
Recovery/ bill separation/ etc
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HURDLES
Rush for Signature in E-5
Relaxation/Phasing/Govt intervention
Rush for Registration using E-1
Phasing/Treasuries as facilitator
No ECS reports from CH
Source of maximum problems
No debit from sponsor bank
Training
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Bank SCROLL (SBI, Paona of 12/8/2010)
Particulars Column
should reflect DDO
name/ Office
Name/ Bill details
Instead Bank A/C
No/ Bank Branch
indicated
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Bank Scroll – SBI, Imphal Sectt (1 Oct, 2010)
Particular Column
indicate Bank Branch
wise payment instead of
Bill wise payment
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Locally developed ECS Software
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Expected Scroll
Particular column as
expected – shown
DDO & Bill wise
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Portion of Bill Body (TR 22)
BANK SEAL
- Not under ECS
BILL COPY NOT
SENT TO BANKS
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PAY-IN-SLIP
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THE ROAD AHEAD
EXPANSION OF ECS PAYMENT – FOR SALARY & OTHER PERSONAL ENTITLEMENTS
- FOR ALL DDOs/ FOR ALL DISTRICTS
ELECTRONIC MODE OF GOVERNMENT TRANSACTIONS
(ESPECIALLY PAYMENT)
IN THE NEXT FINANCIAL YEAR
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