Finacle Menus for Demand Draft (DD) — All 26 Commands with Workflow Guide
- Issue a DD:
DDISSUE - Pay a DD:
DDPAY - Cancel a DD:
HDDC - Check DD status:
HDDSM - Print a single DD:
HDDPRNT - Print all unprinted DDs:
HDDPALL - Mass issue (bulk upload):
HDDMI - Full DD menu:
GUDDMU
Every bank officer eventually faces it: a customer walks in for a Demand Draft, the branch is busy, and you need to move fast. Finacle 10 has 26 dedicated DD commands — each one a direct shortcut to a specific screen. This guide lists all 26, groups them by function, walks through the full issue-to-payment workflow step by step, and covers the common errors that slow down DD transactions.
What Is a Demand Draft in Finacle 10?
A Demand Draft (DD) in Finacle 10 is a negotiable instrument issued by a bank on behalf of a customer, payable at another branch or bank. In Finacle, the entire DD lifecycle — issue, print, payment, cancellation, transfer, and reconciliation — is managed through a set of dedicated menu commands prefixed with HDD, DD, or GUDDMU.
Unlike cheque operations (which use HOCTV, FPCLSO etc.), DD commands are self-contained: the issuing branch collects funds upfront, generates the instrument, and the paying branch settles against the instrument number.
All 26 Finacle Menus for Demand Draft — Grouped by Function
Issue Commands (6)
| Command | Function | When to Use |
|---|---|---|
| DDISSUE | DD Issue | Issue a single DD for a customer; enters instrument details and debits account |
| HDDMI | Demand Draft Mass Issue | Bulk DD issue via uploaded file — used for salary DDs, institutional payments |
| HDDXMI | Demand Draft Ratex Enabled Mass Issue | Mass issue with exchange rate for foreign-currency DDs |
| HDDUPL | Demand Drafts Upload | Upload DD data file for batch processing |
| HDDPUPL | Demand Drafts Payment Upload | Upload payment data for bulk DD settlement |
| DD | Demand Draft Menus — Online Services | Top-level DD menu navigator for online services |
Print Commands (4)
| Command | Function | When to Use |
|---|---|---|
| HDDPRNT | Print a DD | Print a single DD by instrument number |
| HDDPALL | Print All Unprinted DDs | Batch print all DDs issued but not yet printed in the session |
| HDDBP | Demand Drafts Batch Printing | Scheduled batch print for multiple DDs |
| HDDPRPT | Demand Draft Print Report | Generate a report of DDs printed during a period |
Payment Commands (3)
| Command | Function | When to Use |
|---|---|---|
| DDPAY | DD Payment | Pay a DD presented at the counter — credits payee’s account |
| HDDMP | Demand Draft Mass Payment | Bulk payment of multiple DDs — used at HO or for reimbursements |
| HDDADV | DD Payment Advice Entry | Enter payment advice for a DD before settlement |
Cancellation, Transfer & Rectification Commands (5)
| Command | Function | When to Use |
|---|---|---|
| HDDC | DD Cancellation | Cancel an issued DD and reverse the debit — requires original DD |
| HDDR | Demand Drafts Rectification | Correct errors in DD data (payee name, amount) before payment |
| HDDRVRT | Demand Drafts Revert | Revert a DD transaction that was incorrectly posted |
| HDDT | Demand Drafts Transfer | Transfer a DD to another branch for payment |
| HDDXFR | DD Transfer to Head Office | Escalate DD to HO for inter-city or inter-bank settlement |
Status, Reports & Advice Commands (8)
| Command | Function | When to Use |
|---|---|---|
| HDDSM | DD Status Maintenance | View and update status of any DD (issued / paid / cancelled / stale) |
| HUPLDST | Demand Draft Status Upload | Upload bulk status updates (e.g., mark stale DDs from list) |
| HDDSUMF | DD Summary in File | Export DD summary to file for reconciliation or audit |
| HDDP | Demand Draft Reports | Run standard DD reports — issued, paid, outstanding, cancelled |
| HDDIR | DD Issue Reports | Report of all DDs issued for a date range or branch |
| HDDPADV | DD Paid Advice | Generate and print paid advice for a settled DD |
| HDDNPADV | DD Not Paid Advice | Generate not-paid advice — for DDs returned or marked stop-payment |
| DDREM | DD Reminder Batch Menu | Send reminders for DDs approaching stale date (typically 3 months) |
Menu Navigation Commands
| Command | Function | When to Use |
|---|---|---|
| GUDDMU | Demand Drafts Menu | Opens the full DD sub-menu — good starting point for new officers |
| HGUDDMU | Demand Drafts Menu — Online Services | DD menu for online/internet banking operations |
Step-by-Step DD Issue Workflow in Finacle 10
The standard DD issue process in Finacle 10 follows these steps. The branch officer handles steps 1–4; the supervisor/checker handles step 5.
| Step | Command | Action |
|---|---|---|
| 1 | DDISSUE | Enter DD details — payee name, amount, payable branch/city, customer account to debit. System generates instrument number. |
| 2 | HDDSM | Verify DD status shows “Issued — Unprinted” before proceeding to print. |
| 3 | HDDPRNT | Print the DD using the instrument number. Load DD leaf in printer first. Status updates to “Printed”. |
| 4 | HDDIR | Run issue report to confirm DD appears in the day’s issue list — cross-check against DD register. |
| 5 | HDDPADV / HDDNPADV | Generate paid or not-paid advice as required for the customer’s records or bank’s advice files. |
Step-by-Step DD Payment Workflow in Finacle 10
When a customer presents a DD for payment at the paying branch:
| Step | Command | Action |
|---|---|---|
| 1 | HDDSM | Check DD status — must show “Issued / Printed.” If status shows “Cancelled” or “Paid,” do not process. |
| 2 | HDDADV | Enter payment advice — payee account, instrument number, and authorisation details. |
| 3 | DDPAY | Execute DD payment. Credits payee’s account; status updates to “Paid.” |
| 4 | HDDPADV | Print paid advice and hand to customer as proof of encashment. |
DD Cancellation Workflow
Cancellation is only possible if the DD has not already been paid. The customer must surrender the original DD.
| Step | Command | Action |
|---|---|---|
| 1 | HDDSM | Confirm status is not “Paid.” A paid DD cannot be cancelled — only reversed via HDDRVRT with HO approval. |
| 2 | HDDC | Enter instrument number and cancellation reason. System reverses the debit entry and credits back to customer’s account. |
| 3 | HDDNPADV | Generate not-paid advice for branch records and to hand to the customer. |
Complete Alphabetical Reference — All 26 Finacle DD Commands
| Command | Function |
|---|---|
| DD | Demand Draft Menus — Online Services |
| DDISSUE | DD Issue |
| DDPAY | DD Payment |
| DDREM | DD Reminder Batch Menu |
| GUDDMU | Demand Drafts Menu |
| HDDBP | Demand Drafts Batch Printing |
| HDDC | DD Cancellation |
| HDDADV | DD Payment Advice Entry |
| HDDIR | DD Issue Reports |
| HDDMI | Demand Draft Mass Issue |
| HDDMP | Demand Draft Mass Payment |
| HDDNPADV | DD Not Paid Advice |
| HDDP | Demand Draft Reports |
| HDDPADV | DD Paid Advice |
| HDDPALL | Print All Unprinted DDs |
| HDDPRNT | Print a DD |
| HDDPRPT | Demand Draft Print Report |
| HDDPUPL | Demand Drafts Payment Upload |
| HDDR | Demand Drafts Rectification |
| HDDRVRT | Demand Drafts Revert |
| HDDSM | DD Status Maintenance |
| HDDSUMF | DD Summary in File |
| HDDT | Demand Drafts Transfer |
| HDDUPL | Demand Drafts Upload |
| HDDXFR | DD Transfer to Head Office |
| HDDXMI | Demand Draft Ratex Enabled Mass Issue |
| HGUDDMU | Demand Drafts Menu — Online Services |
| HUPLDST | Demand Draft Status Upload |
Stale Demand Drafts — What to Do
A DD becomes stale if it is not presented for payment within 3 months of the issue date (as per most PSB guidelines, though the RBI does not specify a validity period). Once stale, the instrument cannot be paid at the counter without revalidation.
- Use
HDDSMto confirm DD is stale (status: “Stale” or issue date > 3 months). - Manager revalidates the DD — endorses new date on the instrument.
- Use
HDDR(Rectification) to update the issue date in Finacle to the revalidated date. - Proceed with normal payment via
DDPAY.
Note: Some banks require HO approval before revalidation. Check your bank’s circular.
Troubleshooting Common DD Errors
| Error / Problem | Command to Use | Resolution |
|---|---|---|
| DD shows “Issued” but won’t print | HDDPALL | Run “Print All Unprinted DDs” — often resolves printer queue issues |
| Wrong payee name entered | HDDR | Rectify before printing; if already printed, cancel via HDDC and reissue |
| DD payment fails — “Instrument not found” | HDDSM | Check if DD was issued at a different branch; may need HDDXFR first |
| DD incorrectly paid — needs reversal | HDDRVRT | Revert the transaction — requires manager/HO authorisation same day |
| Duplicate DD suspected | HDDIR + HDDP | Cross-check issue report against DD reports; mark stop via HDDSM |
For Finacle commands used in clearing operations — cheque lodgement, inward processing, and MICR workflows — see the dedicated guide: Finacle Menus for Clearing — All 40 Commands with Workflow Guide. For the full list of Finacle 10 commands across all 17 functional categories, see the Finacle 10 Commands master reference.
What is the Finacle command to issue a DD?
The command to issue a Demand Draft in Finacle 10 is DDISSUE. It opens the DD issue screen where you enter the payee name, amount, payable branch/city, and the customer account to debit. The system generates an instrument number on successful submission. After issue, use HDDPRNT to print the DD.
What is the Finacle command to cancel a DD?
The command to cancel a DD in Finacle 10 is HDDC (DD Cancellation). Before cancelling, verify the DD status using HDDSM to confirm it has not already been paid. The customer must surrender the original DD. On cancellation, the system reverses the debit and credits back to the customer’s account.
How do I pay a DD in Finacle 10?
To pay a DD in Finacle 10: (1) Check status with HDDSM — it must show Issued/Printed, not Cancelled or Paid. (2) Enter payment advice using HDDADV. (3) Execute payment with DDPAY — this credits the payee’s account. (4) Generate paid advice using HDDPADV for the customer.
How do I check DD status in Finacle?
Use HDDSM (DD Status Maintenance) to check the status of any DD in Finacle 10. Enter the instrument number to see whether the DD is Issued, Printed, Paid, Cancelled, or Stale. This is the first command to run before any DD transaction — issue, payment, or cancellation.
What is GUDDMU in Finacle?
GUDDMU opens the full Demand Drafts Menu in Finacle 10 — it is a menu navigator, not a transaction command. It lists all DD sub-menus and is useful for new officers exploring DD operations. HGUDDMU is the equivalent menu for online banking services. For direct transaction access, use specific commands like DDISSUE, DDPAY, or HDDC instead.
How do I print all unprinted DDs in Finacle?
Use HDDPALL (Print All Unprinted DDs) to batch-print all DDs that have been issued but not yet printed in the current session. For printing a specific DD by instrument number, use HDDPRNT. For scheduled batch printing, use HDDBP (Demand Drafts Batch Printing).