Batch User Guide produced by CRIF - Janata Bank

INDEX
1 REVISION HISTORY __________________________________________ 4
2 INTRODUCTION _____________________________________________ 6
2.1 Purpose ______________________________________________________ 6
2.2 Audience _____________________________________________________ 6
2.3 GLOSSARY ____________________________________________________ 6
3 FREQUENTLY ASKED QUESTIONS ON DATA CONTRIBUTIONS __________ 8
3.1 WHO MUST SEND DATA VIA THE PERIODICAL CONTRIBUTION ___________ 8
3.2 WHAT IS THE PERIODICITY OF CONTRIBUTION ______________________ 8
3.3 WHAT DATA MUST BE INCLUDED IN THE CONTRIBUTION _______________ 8
3.4 WHY SHOULD I SEND REQUESTS __________________________________ 9
3.5 WHY SHOULD I SEND REFUSED/REJECTED __________________________ 9
3.6 HOW IS THE INFORMATION CONTRIBUTED __________________________ 9
3.7 WHAT IS THE SINGLE MOST IMPORTANT THING TO REMEMBER __________ 9
3.8 ARE THERE ANY SPECIAL CASES THAT REQUIRE A DIFFERENT MANAGEMENT11
3.9 METHODS OF SENDING MONTHLY DATA ____________________________ 12
4 INSTRUCTIONS FOR DRAFTING DATA CONTRIBUTIONS _____________ 13
4.1 CONTRIBUTION FILES __________________________________________ 13
4.1.1 CONTRACT DATA FILE _______________________________________________ 13
4.1.2 SUBJECT DATA FILE _________________________________________________ 14
4.1.3 Type of Link (Roles on a contract) ______________________________________ 15
4.1.4 ERRORS FILE ______________________________________________________ 16
4.2 TECHNICAL NOTES _____________________________________________ 16
4.2.1 FTPS _____________________________________________________________ 17
4.2.2 CD ROM ___________________________________________________________ 18
4.3 FORMATS ____________________________________________________ 18
4.3.1 File format _________________________________________________________ 18
4.3.2 Date format ________________________________________________________ 18
4.3.3 Field text format ____________________________________________________ 18
4.3.4 Mandatory fields ____________________________________________________ 18
4.3.5 Non-mandatory fields ________________________________________________ 19
4.4 PHASE FLOWS ________________________________________________ 20
5 RECORD LAYOUTS __________________________________________ 21
5.1 SUBJECT DATA FILE ____________________________________________ 21
5.1.1 SUBJECT DATA FILE RULES ___________________________________________ 22
5.2 CONTRACT DATA FILE __________________________________________ 34
5.2.1 SPECIAL NOTES FOR THE REPORTING OF INSTALMENT CONTRACTS ___________ 35
5.2.2 SPECIAL NOTES FOR THE REPORTING OF CREDIT CARD TYPE CONTRACTS ______ 35
5.2.3 SPECIAL NOTES FOR THE REPORTING OF NON INSTALMENT CONTRACTS _______ 35
5.2.4 SPECIAL NOTES FOR THE REPORTING OF LINKS ___________________________ 36
5.2.5 CONTRACT DATA FILE RULES __________________________________________ 36
5.3 ERRORS FILE _________________________________________________ 44
5.4 BATCH DOMAIN TABLES _________________________________________ 45
5.4.1 TABLE GENDER _____________________________________________________ 45
5.4.2 TABLE LINK TYPES __________________________________________________ 45
5.4.3 TABLE CONTRACT PHASES ____________________________________________ 45
5.4.4 TABLE SUBSIDIZED CREDIT ___________________________________________ 46
5.4.5 TABLE PREFINANCE OF LOAN __________________________________________ 46
5.4.6 TABLE REORGANIZED CREDIT _________________________________________ 46
5.4.7 TABLE PERIODICITY OF PAYMENT ______________________________________ 46
5.4.8 TABLE TYPE OF INSTALMENT __________________________________________ 47
5.4.9 TABLE CARD USED IN THE MONTH______________________________________ 47
5.4.10 TABLE TYPES OF LEASED GOOD ______________________________________ 47
5.4.11 TABLE TYPES OF LEASED GOOD – FLAG NEW/USED ______________________ 47
5.4.12 TABLE METHOD OF PAYMENT ________________________________________ 48
5.4.13 TABLE PERSONAL GUARANTEE TYPE ___________________________________ 48
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