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## 10.2 Formats Supported (Out of the Box)

1. Payments
   1. pain.001.001.06 (standard ISO20022 format)
   2. MT101 (Standard Swift format)
   3. CSV (Configurable using Format Definition Screen)
   4. Fixed Length (Configurable using Format Definition Screen)
2. Virtual Account Open & Virtual Account Close -CSV (Proprietary Format)

   Field Specifications –

   Table 10-2 Field Description

   Field Sequence No | Field | Field Description | Data Type | Length | Mandatory
   --- | --- | --- | --- | --- | ---
   1 | Action | Specifies the operation to be performed. Allowed Operations are: | NA | NA | Y in case of VA creation & closure
   | New: Creation of Virtual Accounts |  |  |
   | Close: Closure of existing Virtual Accounts |  |  |
   2 | Branch Code | Branch under which Virtual account to be created | VARCHAR2 | 3 | Y in case of VA creation
   3 | virtual Entity ID | Virtual Entity for which Virtual account to be created | VARCHAR2 | 12 | Y in case of VA creation
   4 | Real Customer Number | Real Customer number for which Virtual Account to be created | VARCHAR2 | 20 | Y in case of VA creation & closure
   5 | Account Currency | Account Currency | VARCHAR2 | 3 | Y in case of VA creation
   6 | Virtual Account Product | Product under which Virtual Account to be created | VARCHAR2 | 4 | Y in case of VA creation
   7 | Virtual Account Number | Virtual Account Number. This is applicable for Modify and Close Operation | VARCHAR2 | 20 | Y in case of VA closure
   8 | IBAN Required | Valid values are | CHAR | 1 | N
   Y
   N
   9 | IBAN Account Number | IBAN Account Number | VARCHAR2 | 30 | N
   10 | Virtual Account Name | Account Name | VARCHAR2 | 105 | Y in case of VA creation
   11 | Address Line 1 | Correspondence Address Line 1 | VARCHAR2 | 35 | N
   12 | Address Line 2 | Correspondence Address Line 2 | VARCHAR2 | 35 | N
   13 | Address Line 3 | Correspondence Address Line 3 | VARCHAR2 | 35 | N
   14 | Address Line 4 | Correspondence Address Line 4 | VARCHAR2 | 35 | N
   15 | Address Pin code | Correspondence Address Zip code | VARCHAR2 | 15 | N
   16 | Address Country Code | Correspondence Address Country Code | VARCHAR2 | 3 | N
   17 | Account Purpose | Description of Account Purpose | VARCHAR2 | 105 | N
   18 | Interest Calculation Required | Flag to indicate whether Interest Calculation is required for the Virtual Account. | CHAR | 1 | N
   Valid values are:
   Y
   N
   19 | Account Frozen | Flag to indicate whether Virtual Account is frozen. | CHAR | 1 | N
   Valid values are:
   Y
   N
   20 | Balance Check for Debits | Flag to indicate whether balance check is required for debit transactions. | CHAR | 1 | N
   Valid values are:
   Y
   N
   21 | Balance Availability Options | Balance Options: | CHAR | 1 | Y in case of VA creation
   Available options are:
   Own Balance + Fixed Amount from Pool
   Pool Balance
   Own Balance + Fixed Amount from Pool
   22 | Fixed Amount from Pool | Fixed Amount contribution from pool This is applicable for "Bal Availability Options" as "Own Balance + Fixed Amount from Pool" Y N | NUMBER | 22,3 | N
   23 | Overdraft Allowed | Flag to indicate whether virtual account can be overdrawn. Valid values are: | CHAR | 1 | N
   Valid values are:
   Y
   N
   24 | Overdraft Sanction Amount | Overdraft amount sanctioned | NUMBER | 22,3 | N
   25 | Credit Transactions Allowed | Flag to indicate whether credit transactions are allowed on the virtual account | CHAR | 1 | N
   Valid values are:
   Y
   N
   26 | Debit Transactions Allowed | Flag to indicate whether debit transactions are allowed on the virtual account | CHAR | 1 | N
   Valid values are:
   Y
   N
   27 | Real Account Linkage | Account Linkage Options. | CHAR | 1 | N
   Valid values are:
   S-Structure Level
   A-Account Level
   Default value is "A"
   28 | Real Account Number | Real Account Number of the realAccLinkage = 'A' | VARCHAR2 | 20 | N
   29 | Real Account Currency | Real Account Currency. Applicable if realAccLinkage = 'A' | VARCHAR2 | 3 | N
   30 | Real Account Branch | Real Account Branch. Applicable if realAccLinkage = 'A' | VARCHAR2 | 3 | N
   31 | Overdraft Start Date | Overdraft Start Date | DATE |  | N
   32 | Overdraft End Date | Overdraft End Date | DATE |  | N
   33 | Remarks | Account Remarks | VARCHAR2 | 200 | N
   34 | Transfer In Virtual Account No | In case of negative balance, a designated Virtual Account Number from where the said amount needs to be transferred from. | VARCHAR2 | 20 | Y in case of VA closure
   35 | Transfer Out Virtual Account No | In case of positive balance, a designated Virtual Account Number to which the said amount needs to be transferred to. | VARCHAR2 | 20 | Y in case of VA closure
   36 | Structured Address Department | Structured Address -Department | VARCHAR2 | 70 | N
   37 | Structured Address Sub Department | Structured Address -Sub Department | VARCHAR2 | 70 | N
   38 | Structured Address Street Name | Structured Address -Name of Street | VARCHAR2 | 70 | N
   39 | Structured Address Building Number | Structured Address -Building Number | VARCHAR2 | 16 | N
   40 | Structured Address Building Name | Structured Address -Name of Building | VARCHAR2 | 35 | N
   41 | Structured Address Floor | Structured Address -Floor | VARCHAR2 | 70 | N
   42 | Structured Address Post Box | Structured Address -Postbox | VARCHAR2 | 16 | N
   43 | Structured Address Room | Structured Address - Room | VARCHAR2 | 70 | N
   44 | Structured Address Post Code | Structured Address - Postcode | VARCHAR2 | 16 | Y in case of VA creation
   45 | Structured Address Town Name | Structured Address -Name of Town | VARCHAR2 | 35 | Y in case of VA creation
   46 | Structured Address Town Location Name | Structured Address -Town Location Name | VARCHAR2 | 35 | N
   47 | Structured Address District Name | Structured Address -Name of District | VARCHAR2 | 35 | N
   48 | Structured Address Country Subdivision | Structured Address -Country Subdivision | VARCHAR2 | 35 | N
   49 | Structured Address Country | Structured Address - Country | VARCHAR2 | 2 | Y in case of VA creation
   50 | Structure Code | Existing Structure Code for linkage | VARCHAR2 | 20 | N
   51 | Virtual Parent Account Number | Virtual Parent Account Number for linkage | VARCHAR2 | 35 | N
   52 | Availability in Liquidity Management | Availability in Liquidity Management | CHAR | 1 | N

3. Add Special Rates – CSV (Proprietary Format)

   Table 10-3 Field Description

   Field Sequence No | Tag Name | Data Type | Length | Mandatory | Description
   --- | --- | --- | --- | --- | ---
   1 | Action | VARCHAR2 | 3 | M | Action tag mentioning the value as "new"
   2 | Branch | VARCHAR2 | 3 | M | This field is the code of the branch in which the accounts are to be created.
   3 | Account Number | VARCHAR2 | 20 | M | The account number that is to be created according to the account mask maintained by the bank.
   4 | Product | VARCHAR2 | 4 | M | To calculate interest for an account, you must apply an interest product on the account. Every interest product is linked to an interest rule and interest will be calculated according to the formulae maintained in the rule. More than one interest product can be applied to an account.
   5 | UDE Effective Date | DATE | YYYY-MM-DD | M | This indicates the date from which the Product-UDE combination takes effect. Different values can be maintained for a UDE, for different effective dates, for an account. When interest is calculated on a particular day for an account, the value of the UDE corresponding to the date will be picked up.
   6 | UDE ID | VARCHAR2 | 16 | M | Every product that is created is linked to a rule. In the rule, the UDEs (User Defined Element) that are required to calculate interest are specified. A rule can have more than one UDE.
   7 | UDE Value | NUMBER | 16 | M | In this field the value of the UDE (i.e. rate) to be used for calculation of interest for the account is specified.
   8 | Rate Code | VARCHAR2 | 10 | O | Instead of specifying a value for the UDE, or in addition to the UDE value specified, a Rate code can be applied to the UDE. Rate code is maintained such that a specific rate is applicable from a specific effective date onwards. The rate that is maintained for the rate code as on the effective date will be picked up while calculating interest.
   9 | TD Rate Code | VARCHAR2 | 10 | O | Specify the rate code to be used for Term Deposit calculation. Can be used only for term deposit accounts when ‘Rate Chart Allowed’ flag is enabled for the account class linked to product.
   10 | UDE Variance | NUMBER | 16 | O | The bank can also choose to give an additional rate as a variance over and above the UDE value given for the calculation of interest. The effective rate used for calculation will be UDE Value + Value from Rate Code + Variance.

4. Statements – MT950 (Standard Format)

Parent topic: File Upload