Laps Gold Loan Educative Series

EDUCATIVE SERIES LAPS - 2020-2021 DATE: 31-10-2020
SUB: GOLD LOAN SCHEMES IN LAPS MODULE

SOP for Processing/Sanctioning and Loan Account Opening in LAPS
(Applicable only to Canara Branches linked to CBS 11.8 version)
SECTION 1 – Introduction of LAPS Application for Canara Branches
Bank has decided to continue LAPS system as Loan Origination System for
Amalgamated entity. In view of the above, it is proposed to implement processing of
loan proposals in LAPS system in a phased manner. Initially, Gold Loan Schemes are
enabled for processing and sanctioning in LAPS module w.e.f. 02.11.2020 on selected
pilot Branches. After continuous monitoring/ observation for a week, this will be
enabled for all Branches.
A new LAPS System is configured & integrated with CBS 11.8 system for use of all
Canara branches linked with CBS11.8 system. Branches shall login to following link
for accessing the LAPS System.
http://canlaps:1080/laps/
Kindly note that above mentioned link shall be used only by Canara Branches.
However, Regional offices/ Circle offices / RAH shall use the above link for
processing / reviewing of Loan proposals originated from Canara Branches. Other
Retail/MSME/Agri products are expected to be made available in LAPS application
shortly for all branches linked to CBS11.8 version.
eSyndicate Branches shall continue to use the existing link (http://syslaps/laps) for
processing of loan proposals. CBS amalgamation of e-Syndicate Branches with
CBS11.8 version is expected to commence shortly and new LAPS application
(http://canlaps:1080/laps/) can be used by eSyndicate branches as and when they
are getting migrated from CBS11.7 to CBS11.8 version.
In order to enable LAPS for all branches linked with CBS 11.8 to process the GOLD
Loan applications following activities are carried out centrally from our end.
o All the Branch details along with type of Branch are obtained from CBS11.8 /
HO:Dev Section and updated in LAPS system.
o All the Branch user details are taken from CBS11.8/ HRMS system & auto
populated scale of the employees centrally without awaiting for specific
request from employee.
o For example, an officer employee with Scale-II in Branch is assigned with
role of “Manager-Recommending Authority”.
o An officer with highest scale in the particular branch is assigned with
Sanctioning authority. For Ex: Senior Manager heading the branch with
Address : LAPS Group | DIT Wing – II | HO Annexe (Koramangala) | 2nd Floor | NGV Commercial Complex | Koramangala | Bengaluru-560047
Contact : Tel : +91 9449860148 | Email: [email protected] Page | 1 of 13
highest scale in the branch will be assigned with LAPS role of “Senior
Manager- Sanctioning Authority”.
Branches/Regional Offices/Circle offices shall make use of user status Link available
in login page for verification of correctness of Branch, Scale of employee, Role,
Organization Head etc.
Gold loan schemes:

Schemes Applicable Product Codes
AGRI GOLD LOAN FOR ALLIED ACTIVITIES 780
AGRI GOLD LOAN - DEVELOPMENT ACTIVITIES 836
AL GOLD LOAN 842
SECTION 2 – Process Flow in LAPS
1. Login in LAPS and Click on Jewel Loan on LAPS Home Page
2. Click on “Fresh Application” for creation of New Application, it will navigate the user to
the Borrower Details page.
3. Borrowers Details Page:
i. Enter CBS Customer ID and click on search icon to fetch customer details from CBS. Fill
remaining details as shown in screenshot below.
ii. Click on Apply button
4. After saving the Borrower details, click on Loan Details tab ->Edit
i. Pick loan Product code from search icon
ii. Complete each details of Gold Ornaments by click on check box (Description of
Gold pick from dropdown list, No. of Items, Quality from dropdown list, select
Fineness from dropdown list, Gross Weight (in Grams), Net Weight (in Grams)).
After selecting Quality, system will auto populate Lending rate, Market rate.
Based on Net weight (in grams), system will calculate Lendable amount and
Appraised value.
iii. Enter “Gold Defects”, if any. Enter Sanction Limit (Should be less than or equal
to Eligible Loan Amount).
iv. Enter other details as shown in screenshot below and click on “Apply” button.
v. Enter Landholding details and click on “Apply” button.
5. Click on Workflow
i. Click on “MIS BAM83” button. Data will be auto populated with default values.
You can make changes if required. Please verify and save the data.
ii. Click on “Collateral” button. Data will be auto populated with default values.
You can make changes if required. Please verify and save the data.
iii. Clerical user can do data entry and forward the proposal to Recommending
Authority using “Send” option. Click on Radio Button “Query”. Select
Organization code then “Select Recipient”, and click on “Send”. Holder name
will be changed from Clerical user to Recommending Authority.
iv. After recommendation, Recommending officer has to send the application to

Sanctioning Authority. Click on Radio Button “Query”. Select Organization code
then “Select Recipient”, and click on “Send”. Holder name will be changed
from Recommending officer to Sanctioning Authority.
6. Sanction Authority Login: Now, the proposal is in sanctioning authority ID. Sanctioning
Authority (SA) has to login to LAPS, verify loan details and navigate to ‘Workflow’ tab. Click
on “Approve” button depending on nature of the proposal. If approved, Application Status
will be changed from “Recommended” to “Approved”.
i. SA has to and click on the “Handoff to CBS” button. After verifying CBS
Handoff data, click on verified and OK button to upload the data to CBS.
ii. After successful upload of data to CBS, system will generate loan account
number in CBS and displayed in LAPS.
iii. Branch has to complete the following steps for disbursing the loan amount in
CBS11.8.
 FP AL521
 FP 1660
Helpdesk Contacts :
Email: [email protected]
Mobile: 9449860148 (LAPS support)
8297154184 (N Suresh, Manager)
For login credentials please contact above mobile numbers.
Important:
For Internet Explorer browser:

Before proceeding, please ensure that:
1. Compatibility View is turned off in Internet Explorer.
Go to Tools Menu -> Compatibility View Settings-> Uncheck both the checkboxes.
2. Internet Explorer version 10.0 or later is installed (Check in Help Menu->About).
3. In Tools Menu -> Internet Options -> Security -> Trusted Sites -> Custom Level:
Pop-up blocker should be disabled.
For Google Chrome browser:

Before proceeding, please ensure that:
1. Pop-up Blocker should be disabled.
Go to Settings -> Privacy and Security -> Site Settings -> Pop-ups and redirects ->
Change switch from Blocked to Allowed.
In case of any difficulty, please take assistance from your RO/CO: IT Dept to get the
Settings done.
ATUL KUMAR
GENERAL MANAGER (IT) & CIO
Note: This is only an Educative Series to help branches to understand the functionality in CBS.
For detailed guidelines, please refer HO Circulars issued by respective Wings from time to time.
Published at CANNET -> Publication -> DIT Educative Series
URL: http://cannet/NEWCANNET/Publication/it_digest.aspx

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EDUCATIVE SERIES LAPS - 2020-2021 DATE: 31-10-2020

SUB: GOLD LOAN SCHEMES IN LAPS MODULE

SECTION 1 – Introduction of LAPS Application for Canara Branches

Gold loan schemes:

AGRI GOLD LOAN FOR ALLIED ACTIVITIES 780

AGRI GOLD LOAN - DEVELOPMENT ACTIVITIES 836

AL GOLD LOAN 842

SECTION 2 – Process Flow in LAPS

1. Login in LAPS and Click on Jewel Loan on LAPS Home Page

i. Pick loan Product code from search icon

iv. After recommendation, Recommending officer has to send the application to

For login credentials please contact above mobile numbers.

For Internet Explorer browser:

For Google Chrome browser:

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