3.1.1 Account Details
Entity Name: ACCT
Description: This entity holds account related data from the product processor.
Data Sequence:
ACCT|Account Number|Account Opening Date|Product Type|Product Sub Type|Outstanding Amount|Overdue Amount|Days Past Due|Home Branch|Facility Id|Liability Id|System Account Status|Secured Flag|Insured Flag|Card Number|User defined Account Status|Accrual Status|Product Code|Asset Classification Code|Account Limit|Repayment Frequency|Un-Cleared Payment Amount|Maturity Date|Account Write Off Date|Account Write Off Amount|Loan Purpose Type|Loan Purpose Code|Date of last loan restructure|Account Currency Code|Delinquent|Delinquency Start Date|Disbursed Amount|Available for Disbursement|Non Starter|Interest Rate|Interest Type|Employee Account Flag|Minor Account Status|Probability of Default|Reason for Delinquency|Forced Reason|Forced Account Switch|Behavior Score|Application Score|Loan to Value Ratio|Loan to Value Ratio|Regulated Loan Flag|Account Title|IOA Amount|BICOE Flag|Date of First Default|Last DPD Update Date|Relationship Manager|Auto Pay Instruction|Chargeoff Date|Chargeoff Amount|No Of Times Reaged|No of Time Extended|No Of Times Deferred|No Of Times Renewed|No of Time Re-written|Account Reopen Date|Account Closed Date|Account Reopen Switch|Charge Off Primary Reason|Charge Off Secondary Reason|Recovery Score|Market Entity|Business Unit|Fees and Other Charge Bucket Amount|Insurance Bucket Amount|Interest Bucket|Principal Bucket Amount|Account Term|Non Due Fees Amount|Overdrawn Amount|Account Address|udf1|udf2|udf3|udf4|udf5|udf6|udf7|udf8|udf9|udf10|udf11|udf12|udf13|udf14|udf15|udf16|udf17|udf18|udf19|udf20|udf21|udf22|udf23|udf24|udf25|udf26|udf27|udf28|udf29|udf30|udf31|udf32|udf33|udf34|udf35|udf36|udf37|udf38|udf39|udf40|udf41|udf42|udf43|udf44|udf45|udf46|udf47|udf48|udf49|udf50
Table 3-1 Account Details
| Field Name | Description | Possible Values / Examples | Data Type | Data Length | Required/Optional |
|---|---|---|---|---|---|
| Account Number | Account Number as stored in Host | Customer Account Number | VARCHAR2 | 30 | Required |
| Account Opening Date or Initial Disbursement Date |
Term Loan: First Disbursement Date OD: Date on which OD facility is provided Current Account with TOD facility: TOD utilization Date – Derived |
- | DATE | - | Required |
| Product Type | Product Type of the account |
LN- Loan CS- CASA/Overdraft/Line of Credit |
VARCHAR2 | 30 | Required |
| Product Sub Type | Product Sub Type associated with the account | Auto Loan, Unsecured Loan, Secured Overdraft | VARCHAR2 | 30 | Required |
| Outstanding Amount | Outstanding amount for the account | - | NUMBER | 36,18 | Required |
| Overdue Amount | Overdue amount for the account | - | NUMBER | 36,18 | Required |
| Days Past Due | Longest Days past due value computed by the host | - | NUMBER | 4,0 | Required |
| Home Branch | Home Branch of the account | - | VARCHAR2 | 30 | Required |
| Facility Id | Facility Id under which account is created. This field is used based on the structure of accounts in the host. | - | VARCHAR2 | 30 | Optional |
| Liability Id | Liability Id under which the Facility Id of the account has been created. This field is used based on the structure of accounts in the host. | - | VARCHAR2 | 30 | Optional |
| System Account Status | Status of the account as defined in the host | Example: Regular, Dormant, Closed, Charged-Off | VARCHAR2 | 30 | Required |
| Secured Flag | - | Y/N | CHAR | 1 | Optional |
| Insured Flag | - | Y/N | CHAR | 1 | Optional |
| Card Number | - | - | VARCHAR2 | 30 | Optional |
| User defined Account Status | As defined in the host | Example: Debit Block, Credit Block, etc. | VARCHAR2 | 30 | Optional |
| Accrual Status | This field displays the accrual status for the account | Normal, Suspended | CHAR | 1 | Optional |
| Product Code | Code of the banking product offered to the customer | AUTOLN, SECOD, | VARCHAR2 | 30 | Required |
| Asset Classification Code | Asset Class Code | - | VARCHAR2 | 40 | Required |
| Account Limit | Sanctioned Limit offered to the account | - | NUMBER | 36,18 | Optional |
| Repayment Frequency | Repayment Frequency of the loan | Monthly, weekly, quarterly | VARCHAR2 | 30 | Optional |
| Un-Cleared Payment Amount | Sum of all un-cleared credits to the account | - | NUMBER | 36,18 | Optional |
| Maturity Date | Loans- Loan Maturity Date Overdraft – Limit Expiry Date | - | DATE | - | Optional |
| Account Write Off Date | Date when account is fully written off/ abandoned | - | DATE | - | Optional |
| Account Write Off Amount | Written off loan amt (abandonment amount). Total of all sums written off will be given. | - | NUMBER | 36,18 | Optional |
| Loan Purpose Type | Loan purpose types as applicable to the host | - | VARCHAR2 | 30 | Optional |
| Loan Purpose Code | List of values as per loan purpose type | - | VARCHAR2 | 30 | Optional |
| Date of last loan restructure | Date when the loan was last restructured | - | DATE | - | Optional |
| Account Currency Code | Currency code of the account | - | VARCHAR2 | 30 | Required |
| Delinquent | Indicate if the account is delinquent | Y/N | CHAR | 1 | Required |
| Delinquency Start Date | Current Delinquency Start Date. To be sent only once with the initial data hand off | - | DATE | - | Required |
| Disbursed Amount | Amount disbursed so far in case of a tranche | - | NUMBER | 36,18 | Optional |
| Available for Disbursement | Total loan amount available for disbursement | - | NUMBER | 36,18 | Optional |
| Non Starter | Indicate if the customer defaults the first installment after disbursement. | Y/N | CHAR | 1 | Optional |
| Interest Rate | Rate of interest for current applicable stage | - | NUMBER | 36,18 | Optional |
| Interest Type | Fixed or Floating | - | VARCHAR2 | 14 | Optional |
| Employee Account Flag | Indicate if the account belongs to an employee | Y/N | CHAR | 1 | Optional |
| Minor Account Status | Indicate if the account belongs to a minor | Y/N | VARCHAR2 | 30 | Optional |
| Probability of Default | Current Probability of default captured at account level | - | VARCHAR2 | 30 | Optional |
| Reason for Delinquency | Reason code for delinquency of the account | - | VARCHAR2 | 30 | Optional |
| Forced Reason | Forced Reason | - | VARCHAR2 | 30 | Optional |
| Forced Account Switch | Forced Account Switch | Y/N | CHAR | 1 | Optional |
| Behavior Score | Current Behavior Score captured at account level | - | VARCHAR2 | 30 | Optional |
| Application Score | Application Score captured at the time of opening of account | - | VARCHAR2 | 30 | Optional |
| Loan to Value Ratio ( Book Value) | Loan to Value Ratio (Book/ Bank Value is considered) - Value of External Charge on Collateral is considered while calculating LVR | - | NUMBER | 5,2 | Optional |
| Loan to Value Ratio ( Market Value) | Loan to Value Ratio (MTM is considered) - Value of External Charge on Collateral is considered while calculating LVR | - | NUMBER | 5,2 | Optional |
| Regulated Loan Flag | Regulated Loan Flag | Y/N | CHAR | 1 | Optional |
| Account Title | Account Title | - | VARCHAR2 | 120 | Optional |
| IOA Amount | IOA Amount | - | NUMBER | 36,18 | Optional |
| BICOE Flag | Flag to indicate if the Account is a BICOE (Building in Construction) Loan account | Y/N | CHAR | 1 | Optional |
| Date of First Default | First Date of Default - Date on which account became default as sent by host | - | DATE | - | Optional |
| Last DPD Update Date | - | - | DATE | - | Optional |
| Relationship Manager | Relationship Manager Name (if any) | - | VARCHAR2 | 30 | Optional |
|
Auto Pay Instruction
|
Auto Pay Instruction | - | VARCHAR2 | 30 | Optional |
| Chargeoff Date | Date on which account was Charged off | - | DATE | - | Optional |
| Chargeoff Amount | Chargeoff Amount | - | NUMBER | 36,18 | Optional |
| No Of Times Reaged | No Of Times Reaged | - | NUMBER | 4 | Optional |
| No of Time Extended | No of Time Extended | - | NUMBER | 4 | Optional |
| No Of Times Deferred | No Of Times Deferred | - | NUMBER | 4 | Optional |
| No Of Times Renewed | No Of Times Renewed | - | NUMBER | 4 | Optional |
| No of Time Re-written | No of Time Re-written | - | NUMBER | 4 | Optional |
| Account Reopen Date | Account Reopen Date | - | DATE | - | Optional |
| Account Closed Date | Account Closed Date | - | DATE | - | Optional |
| Account Reopen Switch | Account Reopen Switch | Y/N | NUMBER | 1 | Optional |
| Charge Off Primary Reason | Charge Off Primary Reason | - | VARCHAR2 | 60 | Optional |
| Charge Off Secondary Reason | Charge Off Secondary Reason | - | VARCHAR2 | 60 | Optional |
| Recovery Score | - | - | VARCHAR2 | 10 | Optional |
| Market Entity | It is equivalent to a brand. Market Entity belongs to a Legal Entity. One Legal Entity can have multiple Market Entities | - | VARCHAR2 | 30 | Optional |
| Business Unit | It is equivalent to a line of business. For example, Retail Business, Corporate Business, Investment Services | - | VARCHAR2 | 30 | Optional |
| Fees and Other Charge Bucket Amount | - | - | NUMBER | 36,18 | Optional |
| Insurance Bucket Amount | - | - | NUMBER | 36,18 | Optional |
| Interest Bucket | - | - | NUMBER | 36,18 | Optional |
| Principal Bucket Amount | - | - | NUMBER | 36,18 | Optional |
| Account Term | Account Term | - | NUMBER | 4 | Optional |
| Non Due Fees Amount | Non Due Fees Amount | - | NUMBER | 36,18 | Optional |
| Overdrawn Amount | Overdrawn Amount | - | NUMBER | 36,18 | Optional |
| Account Address | - | - | VARCHAR2 | 1000 | Optional |
Parent topic: Account Data