Clearing is one of the highest-volume operations in any bank branch — every cheque deposited by a customer and drawn on another bank has to move through the outward clearing cycle, and every cheque your branch receives from the clearing house has to be processed inward. Finacle 10 has 40 dedicated commands for clearing operations, spread across menus for outward clearing, inward clearing, CTS upload, zone maintenance, and reports. This page covers all 40 commands, grouped by function, with step-by-step workflows for the operations you perform every day.

Finacle Clearing Commands — Grouped by Function

Entry Points — Clearing Menus

These commands open the main clearing navigation menus. Use them when you need to browse available options rather than go directly to a specific screen.

Command	Full Name	When to Use
CLEARING	Clearing Menus — Online Services	Primary entry point for all clearing operations
GUCLMU	Clearing Menu	General clearing menu — shows all sub-categories
HGUCLMU	Clearing Menu — Online Services	Online services version of the clearing menu
GUOCLMU	Outward Clearing Menu	Navigate directly to outward clearing sub-menu
HGUOCLMU	Outward Clearing Menu — Online Services	Online services version of outward clearing menu
HGUICLMU	Inward Clearing Menu	Navigate directly to inward clearing sub-menu

Outward Clearing Commands

Outward clearing covers cheques that your customers deposit — drawn on other banks — which your branch sends to the clearing house for collection. These are the commands used from instrument entry through to lodgement.

Command	Full Name	What It Does
HOCINST	Outward Clearing Instrument Maintenance	Enter/modify details of a cheque being lodged for outward clearing — drawee bank, amount, MICR code, account to credit
HOCIV	Outward Clearing Instrument Verification	Second-level verification of outward clearing instruments before they are finalised — typically done by a supervisor
HOCTM	Outward Clearing Set Lodge	Lodge instruments into an outward clearing set for dispatch to the clearing house
OCLODGE	Outward Clearing Set Lodge	Alternative command for outward clearing lodgement — functionally the same as HOCTM in most bank configurations
HOCPTRN	Outward Clearing Part Tran Maintenance	Maintain partial transaction entries within an outward clearing set
FOWCUPLD	Offline Outward Clearing Upload	Bulk-upload outward clearing data from an offline file (CSV/Excel format) — used when capturing instruments offline and uploading in batch
FOIQ	Offline Outward Clearing Instrument Inquiry	Inquiry on instruments uploaded via offline outward clearing — verify that the upload was processed correctly
REPOWC	Outward Clearing Replay	Re-process or replay an outward clearing set — used when a session fails or partial processing occurs
FPCLSO	Outward Clearing Schedule	View the outward clearing schedule for the day — shows clearing sessions and cut-off times

Inward Clearing Commands

Inward clearing covers cheques drawn on your bank that have been deposited in other banks and returned to your branch via the clearing house. These commands are used to process, verify, honour, or return those instruments.

Command	Full Name	What It Does
HICTM	Inward Clearing Transaction Maintenance	The primary inward clearing command — process cheques received from the clearing house; post debits to drawee accounts or mark for return
HICTMO	Inward Clearing Transaction Maintenance (Override)	Override version of HICTM — used when a transaction needs supervisor-level modification or exception handling
HOCTV	Clearing Transaction Verification	Verify clearing transactions before final posting — typically a checker function
REPIWC	Inward Clearing Replay	Replay an inward clearing session — used to recover from failed or incomplete inward clearing processing
HICRCM	Inward Clearing Rejection Code Maintenance	Maintain the list of return/rejection reason codes (e.g., “insufficient funds”, “signature mismatch”, “account closed”) used when returning inward clearing instruments
HICZCM	Inward Clearing Zone Template Maintenance	Set up or modify zone templates that control how inward clearing instruments are routed and processed
HMICZ	Maintain Inward Clearing Zone	Maintain inward clearing zone parameters — defines which clearing zones the branch participates in

Centralised Clearing & Status Commands

Command	Full Name	What It Does
HCCO	Centralised Clearing Operations	Used by centralised processing units (CPCs) to manage clearing operations across multiple branches — not typically used at branch level
HCSUP	Clearing Status Update	Update the status of a clearing session or individual instrument — used to manually advance or correct clearing status flags
HEGOC	ECS Generate Outward Clearing File	Generate the outward clearing file for ECS (Electronic Clearing Service) transactions — links ECS operations with the clearing module
HIOCLS	Inquire on Clearing Transaction Sets	Inquiry command to view details of any clearing transaction set — outward or inward — by set number or date

Zone & Rule Maintenance Commands

These are setup and configuration commands — used by branch managers, operations heads, or IT/CBS teams. Branch officers rarely use these in day-to-day operations but need to know they exist for troubleshooting.

Command	Full Name	Purpose
HCLRM	Clearing Rule Maintenance	Configure the rules that govern how clearing instruments are processed — value dates, return windows, applicable clearing types
HCTCM	Clearing Transaction Code Maintenance	Maintain transaction codes used in clearing entries
HCLUPLD	Clearing Transaction Upload Maintenance	Configure settings for uploading clearing transaction files
FCLZM	Clearing Zone Maintenance	Set up and maintain clearing zones — defines the geographic/bank groupings used for routing
HMCLZOH	Maintain Clearing Zone	Maintain clearing zone parameters at the operational level
HCLZCM	Outward Clearing Zone Template Maintenance	Manage zone templates specific to outward clearing routing

Reports and Print Commands

Command	Full Name	What It Prints / Shows
HCLBAP	Clearing BAR/Advice Printing	Print the clearing BAR (Batch Advice Report) or clearing advice — document sent to customers when their cheque is returned
HOCDL	Outward Clearing Instruments Download Report	Download a report of all outward clearing instruments for a session — useful for reconciliation
HVALDTR	Outward Clearing Value Date Report	Report showing value dates assigned to outward clearing instruments — helps verify T+1 or T+2 credit timelines
HPCLSO	Print Clearing Schedule	Print the day’s outward clearing schedule — shows session times, cut-offs, and lodgement deadlines
HPICS	Print Inward Clearing Schedule	Print the inward clearing schedule — shows instruments received from the clearing house for the day
HPICW	Print Inward Clearing Waste	Print the list of returned/wasted inward clearing instruments — cheques that were returned unpaid
HPUIZH	Purge Inward Clearing Zone	Purge (archive and clear) processed inward clearing zone data — typically a daily EOD operation
HPURZO	Purge Outward Clearing Zone	Purge processed outward clearing zone data — clears lodged instruments from the active zone after they have been dispatched

Outward Clearing — Step-by-Step Workflow in Finacle

A customer walks in with a cheque drawn on another bank. Here is the exact sequence of Finacle commands to process it through outward clearing.

1. Open the outward clearing instrument screen — type HOCINST. Enter the cheque details: drawee bank MICR code, instrument number, amount, and the customer’s account number to be credited on realisation.
2. Verify the instrument (supervisor) — type HOCIV. The checker verifies the instrument details before they are locked in.
3. Lodge to a clearing set — type OCLODGE or HOCTM. This groups the instrument with others being sent to the clearing house in the same session.
4. Check the clearing schedule — type FPCLSO to see the cut-off time for the current session. Instruments lodged after cut-off go into the next session.
5. Print the schedule — type HPCLSO to get a printed record of what has been dispatched.
6. Download reconciliation report — type HOCDL for a record of all instruments in the outward clearing batch.

Bulk/offline upload alternative: If your branch receives a high volume of cheques or captures them offline, use FOWCUPLD to upload a batch file instead of entering instruments one by one. After upload, use FOIQ to verify the upload was processed correctly.

Inward Clearing — Step-by-Step Workflow in Finacle

The clearing house sends your branch a set of cheques drawn on your bank’s customers. Here is how to process them.

1. Open inward clearing processing — type HICTM. The system loads the instruments received from the clearing house for the current session.
2. For each instrument: If funds are available and the cheque is in order, post the debit to the drawee account. If the cheque is to be returned, select the appropriate return/rejection reason code. Use HICRCM to look up or maintain rejection codes — common ones include insufficient funds, signature mismatch, payment stopped, and account closed.
3. Override/exception handling — if a transaction needs supervisor intervention, use HICTMO.
4. Verify transactions — type HOCTV for the checker to verify processed inward clearing transactions before finalisation.
5. Print inward schedule — type HPICS to print the record of instruments processed.
6. Print return list — type HPICW (Inward Clearing Waste) to print the list of instruments being returned unpaid — this is used to prepare return memos.
7. Print return advice to customer — type HCLBAP to print the cheque return advice memo for the presenting bank/customer.

All 40 Finacle Clearing Commands — Complete Reference

Full alphabetical list of every Finacle 10 clearing command for quick lookup.

Command	Description
CLEARING	Clearing Menus — Online Services
FCLZM	Clearing Zone Maintenance
FOIQ	Offline Outward Clearing Instrument Inquiry
FOWCUPLD	Offline Outward Clearing Upload
FPCLSO	Outward Clearing Schedule
GUCLMU	Clearing Menu
GUOCLMU	Outward Clearing Menu
HCLBAP	Clearing BAR/Advice Printing
HCLRM	Clearing Rule Maintenance
HCLUPLD	Clearing Transaction Upload Maintenance
HCLZCM	Outward Clearing Zone Template Maintenance
HCCO	Centralised Clearing Operations
HCSUP	Clearing Status Update
HCTCM	Clearing Transaction Code Maintenance
HEGOC	ECS Generate Outward Clearing File
HGUCLMU	Clearing Menu — Online Services
HGUICLMU	Inward Clearing Menu
HGUOCLMU	Outward Clearing Menu — Online Services
HICRCM	Inward Clearing Rejection Code Maintenance
HICTM	Inward Clearing Transaction Maintenance
HICTMO	Inward Clearing Transaction Maintenance (Override)
HICZCM	Inward Clearing Zone Template Maintenance
HIOCLS	Inquire on Clearing Transaction Sets
HMCLZOH	Maintain Clearing Zone
HMICZ	Maintain Inward Clearing Zone
HOCDL	Outward Clearing Instruments Download Report
HOCINST	Outward Clearing Instrument Maintenance
HOCIV	Outward Clearing Instrument Verification
HOCPTRN	Outward Clearing Part Tran Maintenance
HOCTM	Outward Clearing Set Lodge
HOCTV	Clearing Transaction Verification
HPCLSO	Print Clearing Schedule
HPICW	Print Inward Clearing Waste
HPICS	Print Inward Clearing Schedule
HPUIZH	Purge Inward Clearing Zone
HPURZO	Purge Outward Clearing Zone
HVALDTR	Outward Clearing Value Date Report
OCLODGE	Outward Clearing Set Lodge
REPIWC	Inward Clearing Replay
REPOWC	Outward Clearing Replay

Clearing Cut-Off Times — What Every Officer Must Know

Finacle clearing sessions are time-bound. Missing the cut-off means the instrument goes into the next session — which delays credit to your customer by a full day. The exact cut-off times vary by bank policy and clearing type, but the general pattern under CTS (Cheque Truncation System) is:

• Morning session (high-value): Cut-off typically around 12:00–12:30 PM. Cheques lodged before this get same-day credit in accounts on a T+0 basis for high-value instruments (₹1 lakh and above under MICR/CTS).
• Afternoon session (normal value): Cut-off typically around 3:00–4:00 PM. Instruments get credit on T+1.
• Return window: Returned instruments (inward clearing returns) must be processed and dispatched back to the presenting bank within the same day or by 11 AM the following morning — per RBI’s CTS grid guidelines.

Use FPCLSO (Outward Clearing Schedule) or HPCLSO (Print Clearing Schedule) in Finacle to see the exact session timings configured for your branch. These may differ from the general guidelines above if your bank has customised its Finacle clearing configuration.

Common Issues in Finacle Clearing — and Which Command Fixes Them

Problem	Command to Use	Action
Instrument not appearing in HICTM inward list	HIOCLS	Inquire on clearing transaction sets to check if the set was received and loaded correctly
Outward clearing session failed mid-way	REPOWC	Replay the outward clearing session to re-process instruments
Inward clearing session failed mid-way	REPIWC	Replay the inward clearing session
Need to correct an instrument already entered in HOCINST	HOCINST	Re-open the instrument record and modify before lodgement (must be before OCLODGE)
Cheque return reason code not listed	HICRCM	Check available rejection codes — if code is missing, contact CBS admin to add it
Status of clearing instrument unclear	HCSUP	Use Clearing Status Update to check and correct the instrument status flag
Customer asking about value date on realised cheque	HVALDTR	Pull the Outward Clearing Value Date Report to confirm the value date assigned

For the full list of Finacle 10 commands across all functions — cash, deposits, loans, RTGS, forex, and more — see the complete Finacle 10 Commands guide.