1. Deposit Services User Guide
  2. TD Transactions
  3. Top Up

3.2 Top Up

You can perform a TD top-up transaction using this screen.

Note:

The fields marked as Required are mandatory.
  1. On the Homepage, from the Retail Deposit Services mega menu, under Term Deposits, under Transactions, click Top Up or specify Top Up in the search icon bar and select the screen.

    The Term Deposit Top Up screen is displayed.

    Figure 3-22 Term Deposit Top Up


    Description of Figure 3-22 follows
    Description of "Figure 3-22 Term Deposit Top Up"

  2. On the Term Deposit Top Up screen, Click the Search icon or specify the account number in the Account Number field, and press Enter or Tab.
    The Top Up details are displayed in the Term Deposit Top Up screen.

    Figure 3-23 Term Deposit Top Up Details


    Description of Figure 3-23 follows
    Description of "Figure 3-23 Term Deposit Top Up Details"

  3. In the Term Deposit Top Up screen, perform the required action. For more information on fields, refer to the field description table.

    Table 3-16 Term Deposit Top Up – Field Description

    Field Description
    Account Number
    Click the Search icon and select the account number or specify the account number to perform the TD top-up.

    Note:

    The account holder name is displayed adjacent to this field.
    Status Displays the TD status. The possible options are:
    • Active
    • Matured
    • Closed
    Deposit Details Displays the principal balance of the TD, the rate of interest, and the tenor of the TD.
    Maturity Details Displays the proceeds due to the customer on maturity and the maturity date.
    Reinvested Interest Displays the amount and currency for the reinvested or paid out interest.

    Note:

    • If the interest if of reinvest type, then the field name is displayed as Reinvested Interest.
    • If the interest if of paid out type, then the field name is displayed as Paid out Interest.
    Tax Deducted Displays the actual tax deducted on reinvested or paid out interest till date.
    Amount Specify the amount which the customer wants to add to the principal of the TD.
    Value Date Specify the date from which the top-up is to take effect.
    1. After specifying the amount in the Amount field in the Term Deposit Top Up screen, the simulated output details are displayed on the right side of the screen.

      Note:

      Computation will be triggered based on the inputs selected and output should be displayed on the panel on the right in a graphical format comparing the current principal, interest, and net proceeds at maturity with what the user would get after the top-up.
      For more information on fields, refer to the field description table.

      Table 3-17 Top-Up Simulation Details – Field Description

      Field Description
      Maturity Amount Displays the proceeds due to the customer on maturity after taking into consideration the top-up amount.
      Interest Rate Displays the Net interest on the principal (Interest – Tax).
      Principal Displays the total principal of the TD.
      Net Interest Displays the interest net amount.
      Top-up Amount Displays the top-up amount.
    1. Click the Interest Details link in the TD simulation details of the Term Deposit Top Up screen.
      The Interest Details screen is displayed.

      Figure 3-24 Term Deposit Top Up_Interest Details


      Description of Figure 3-24 follows
      Description of "Figure 3-24 Term Deposit Top Up_Interest Details"

      Table 3-18 Interest Details – Field Description

      Field Description
      Date Displays the date as of which the interest amount is applicable.
      Reinvested Interest Displays the interest amount computed as of the date.
      Principal Displays the principal balance taking into consideration the effect of the interest for that date (if it is a re-invest kind of TD).
    1. Click the Close icon, to close the Interest Details screen.
  4. On Term Deposit Top Up screen, click Add Settlement Details button.
    The Add Settlement Details screen is displayed with the default payin mode as Account.

    Figure 3-25 Term Deposit Top Up_Account


    Description of Figure 3-25 follows
    Description of "Figure 3-25 Term Deposit Top Up_Account"

    For more information on fields, refer to the field description table.

    Table 3-19 Add Settlement Details - Account

    Field Description
    Select Payin Mode The Account mode is selected with the default.
    Select Account Number The own accounts are displayed as widgets with the Account Number, Account Name, and Account Balance. You can select the account for TD payin.

    You can select Others from the widget to select any other accounts in the same bank for TD payin.

    Search Account Details If you select Others from the widgets, this field is diplayed to specify the account number.

    click the Search icon or specify the account number in the Account Number field and the Account Name is displayed adjacent to the account number.

    Payin Amount Displays the amount and you can modify the amount in case the amount is payin by different modes or accounts.
    Exchange Rate Displays the exchange rate.

    Note:

    This field is displayed only if there is cross currency transaction.
    Transaction Amount Displays the amount in payin account currency.

    Note:

    This field is displayed only if there is cross currency transaction.
  5. On Add Settlement Details screen, select Ledger as the payment mode.
    The ledger details are displayed in the Add Settlement Details screen.

    Figure 3-26 Term Deposit Top Up_Ledger


    Description of Figure 3-26 follows
    Description of "Figure 3-26 Term Deposit Top Up_Ledger"

    For more information on fields, refer to the field description table.

    Table 3-20 Add Settlement Details - Ledger

    Field Description
    Ledger Code Displays the ledger code used for the transaction.
    Ledger Description Displays the ledger description used for the transaction.
    Payin Amount Displays the amount and you can modify the amount in case the amount is payin by different modes or accounts.
  6. Click Cancel button, to close the Add Settlement Details screen without adding the settlement details.
  7. Click Add More button, the system add the settlement details to the main screen and refreshes the Add settlement details screen with default values, and the payin amount is updated for the remaining settlement amount.
  8. Click Add button to add the settlement details in Term Deposit Top Up screen.
    The settlement details are displayed in the Term Deposit Top Up screen.

    Figure 3-27 Term Deposit Top Up_Settlement Details


    Description of Figure 3-27 follows
    Description of "Figure 3-27 Term Deposit Top Up_Settlement Details"

    For more information on fields, refer to the field description table.

    Table 3-21 Term Deposit Top Up - Settlement Details

    Field Description
    Settlement Details
    For the Account, the system displays the below details.
    • Currency and Amount
    • Account Number
    • Account Description
    For the Ledger, the system displays the below details.
    • Currency and Amount
    • Ledger Code
    • Ledger Description

    Note:

    Exchange rate is displayed only if there is a cross currency transaction.

    Click the Edit icon to edit the top up amount in the settlement details.

    Click the Delete icon to delete the settlement details.

  9. Click Submit.
    The screen is successfully submitted for authorization.

Parent topic: TD Transactions