You can inquire about the outstanding balance of an account using the Outstanding Balance Inquiry screen.

1. On the Homepage, from Retail Lending Services mega menu, under Balances, click Outstanding Balance Inquiry. You can also open the screen by specifying Outstanding Balance Inquiry in the search icon bar and selecting the screen.
   The Outstanding Balance Inquiry screen is displayed.

   Figure 3-64 Outstanding Balance Inquiry

   
   Description of "Figure 3-64 Outstanding Balance Inquiry"
2. Select the appropriate option from the Search by field.
3. Perform the required action, based on the option selected from the Search by field.
   The balance details of the account are displayed.

   Figure 3-65 Outstanding Balance Inquiry – Outstanding Balance Details of Account

   
   Description of "Figure 3-65 Outstanding Balance Inquiry – Outstanding Balance Details of Account"
4. On the Outstanding Balance Inquiry screen, view the required details. For more information on fields, refer to field description table below:

   Table 3-39 Outstanding Balance Inquiry – Field Description

   Field	Description
   Search by	Users can search for an account number by using any of the available search criteria. The account number is set as the default search option. Users can specify the account number directly in the adjacent field or search for an account number by clicking the Search icon. Users can also search for the specific account number by providing customer ID, account number, or account name. Other search options available in the Search by field are Customer ID, SSN, Mobile Number, and Email. A specific customer ID can be searched by providing the customer name or customer ID. If SSN, mobile, or email IDs are chosen to find an account number, the respective IDs have to be input entirely in the adjacent field for the system to display the account number. For a given search criteria, multiple account numbers may be linked. For example, two or more account numbers can be linked to a single mobile number. In such cases, the system displays all the account number matches and the user can select the relevant account number on which to perform a servicing operation. Note: The label of the field adjacent to the Search by field changes dynamically. For example, if the Account number is chosen as the search criteria, the label of the adjacent field is displayed as the Account Number. If SSN is chosen as the search criteria, then the adjacent field would display the label as SSN.
   Total Outstanding	Displays the different parameters used to calculate the total outstanding balance. Note: If you click the Show Calculation link, the formula used to calculate the total outstanding amount is displayed. To hide the formula, click Hide Calculation link.
   Principal Outstanding	Displays the principal outstanding arrears as of today’s date.
   Outstanding Arrears	Displays the other arrears outstanding as of today’s date. Note: Here, both normal arrears and suspended arrears are displayed.
   Unbilled	Displays the regular interest, penalty interest, and uncollected interest that are yet to be charged.
   Outstanding Arrears	This section displays the break-up of the outstanding arrears. Note: The Description column lists the arrear types. In case, any arrears are unpaid, then appears corresponding to the arrear type. If you click this icon, it displays the amount of unpaid arrears along with the due date for the arrear type. If the Loan account moves to Suspended status, then the amount of all the arrears appear under the Suspended column.
   Fees Arrears	Displays the fees arrears amount.
   Interest Arrears	Displays the interest arrears amount.
   Principal Arrears	Displays the principal arrears amount.
   Penalty Arrears	Displays the penalty arrears amount. Note: This value for this field is displayed only if penalty is applicable on the account.
   View History	Click this link to view the arrear history details. For more information, see Arrear History.
   Unbilled	This section displays details of unbilled amount.
   Interest	Displays the amount of accrued interest.
   Penalty Interest	Displays the amount of penalty for accrued interest. Note: This value for this field is displayed only if penalty is applicable on the account.
   Arrear History	Displays the arrear history details. Note: This section is displayed, if you click the View Details link from the Outstanding Arrears section. The upper right corner mentions the currency of the arrear amount displayed.
   Filter	Specify any keywords in this free text search field to filter the details in the grid.
   Date Range	Select or specify the start date of the period for which you want to search the records.
   To	Select or specify the end date of the period for which you want to search the records.
   Show Only Paid	Switch to to view amount of both paid and unpaid arrears. Switch to to view amount for only the paid amount arrears.
   Arrear	Displays all the arrears raised on the account.
   Date Assessed	Displays the date on which the arrear was raised on the account.
   Arrear Amount	Displays the arrear amount.
   Outstanding Arrear Amount	Displays the outstanding arrear amount on the account.
   Last Payment Date	Displays the last payment date on the account. Note: The date appears only if a payment is made to the account.

5. View the balance details.
6. To view the outstanding arrear history:
   1. Click the View History link in the Outstanding Arrears section.
      The Arrear History section displays. The system defaults all the arrears in descending order for the arrears raised, paid, or unpaid.

      Figure 3-66 Outstanding Balance Inquiry – Arrear History

      
      Description of "Figure 3-66 Outstanding Balance Inquiry – Arrear History"
   2. On the Arrear History section, specify the required details in the Filter field to filter the records.
   3. Specify the start and end date of the period in the Date Range and To fields, respectively, to view records for a specific period.
   4. Switch to to view amount of both paid and unpaid arrears. Switch to to view amount for only the paid amount arrears.
   5. Click Back to navigate to Outstanding Balance Inquiry screen.