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## 6.6 FAQ

1. Can I delete transaction and/ or cumulative limits against a transaction in limit package?

   No, existing limits against a transaction cannot be deleted; it can only be edited if effective date is starting from a future date.

2. I am unable to delete a limit through limit maintenance?

   There is a possibility that the limit that you are trying to delete is associated in the limit package against a transaction(s).

3. I am unable to delete limits package through limit maintenance?

   There is a possibility that the limit package that you are trying to delete is associated at any of the entities i.e. User / Party / Segment/ Enterprise Role level.

4. As part of edit, what can I update in the limits package maintenance?
   You can edit the transaction and/ or cumulative limits against the transaction.

   You can delete the transaction(s) from the limits package and/or you can also add new transaction(s) as part of the limits package.

5. What is the significance of Available to Roles in Limits package?

   The roles defined in Limits package will make the package available to the users of that role only.

6. Have created/ edited/ deleted Limits and/ or Limits package but it is not reflecting in the system even after a successful maintenance save message?
   There is a possibility that the maintenance is saved but the status is ‘Pending Approval’.

   For the maintenance, if there is an approval required then the changes will reflect only once the approver(s) approve the submitted request.

   If the setup does not require an approval workflow or is self / auto approved, then the same will reflect immediately.

7. How can I define the touch point groups?

   A separate menu option Touch Point Group Maintenance is available using which you can maintain internal and external touch point groups.

8. How can I define the transaction groups?

   A separate menu option Transaction Group Maintenance is available using which you can maintain group of transactions.

9. Can I manually define Global touch point group?

   No, Touch Point – Global is nothing but a group of all internal and external touch points available in the application. This group cannot be maintained manually.

10. Will the limits be applicable for newly added touch point or transactions in a respective groups?

    Yes, limits will also be applicable for transaction or touch points added at a later stage in respective groups which are mapped as a part of limit package.

11. How the limit will be utilized, if you add a new transaction to the group for which customers have already initiated transactions during the day but before group formation?

    Limits assigned at individual transaction level will be utilized for the transaction Initiated before the transaction group formation. These limits will not be considered for group limit utilization.

12. Can I delete a transaction group which is a part of any limit package?

    No, a transaction group cannot be deleted if a group is already associated with the limit package.

13. How the limits will be applied if the limit definitions are mapped for a specific transaction and to a group in which the same transaction is available?

    Limits mapped for a transaction and group will be checked. Only if the sufficient limits are available at both the level, then user will be allowed to perform the transaction.

    Example:

    User level daily transaction limit of Domestic Transfer internet banking channel = 100000

    User level daily transaction limit of Domestic Transfer for mobile banking channel = 50000

    User level daily consolidated touch points transaction limit for Domestic Transfer = 120000

    Days | User action | Internet – Touch Point Limit | Mobile – Touch Point limit | Touch Point Group – User level limits
    --- | --- | --- | --- | ---
    | For internet as a touch point, Domestic Transfer transaction limit assigned by the Bank is 100000. | 100000 |  | 120000
    | For Mobile as a touch point, Domestic Transfer transaction limit assigned by the Bank is 50000 |  | 50000
    | This means, user can perform maximum transaction worth 100000 from internet and maximum of 50000 from mobile daily. And touch point group limit maintained is 120000 for a day User level will override the limits defined at user segment/type level |  |  |
    | User preforms Domestic Transfer transaction worth 20000 from mobile touch point. Now, user will be allowed Domestic transfer transaction of 100000 from internet and 30000 from mobile for that day. As per touch point group limits, user will be allowed to perform domestic transfer transaction of 100000 from either internet banking OR mobile banking. | 100000 | 30000 | 100000
    | User preforms Domestic transfer transaction of 50000 from internet \ on the same day. Now, user will be allowed maximum of 50000 Domestic transfer transaction from internet banking and 30000 from mobile banking for that day. Whereas, as per consolidated touch point limit, user will be allowed to perform Domestic Transfer transaction worth 50000 from either internet or from mobile. | 50000 | 30000 | 50000
    | Now user preforms Domestic transfer transaction of 20000 from mobile. Then user will be allowed to perform the transaction of 50000 from internet and 10000 from mobile for that day. As per consolidated touch point limit, user will be allowed Domestic Transfer transaction of 30000 from either internet or mobile. Now, user will be allowed transaction of 30000 only from internet as consolidated channel limit is reduced to 30000. | 50000 | 10000 | 30000
    | After above transaction, if user utilizes 30000 from internet then internet limit will be 20000 Now, if user performs Domestic transfer transaction of any amount from mobile or internet then user will be displayed an error message. As touch point group limits are exhausted. | 20000 | 10000 | 0.00

Parent topic: Limit Package Management