*BANKING TITBITS:#644* *IC/392/2025-Operational Guidelines – Refund of Credit Balances in Closed Loan Accounts* ->Outstanding balance in a closed loan account shall be ‘Zero (0)’. However, there are instances of excess amount being paid by the customers due to ECS,etc ->MIS Report 331195 is available for extracting the list of Loans accounts having Credit Balance which is to be reviewed and same to be refunded to the customers within T+3 days. -> *CBS ‘Fastpath: 7025 - Loan Refund Enquiry’* and in case of Agri Loans through *‘Fastpath: 1730 - Agri Loans Refund Enquiry’*. ->On refund of credit balance in to customers, branches shall close such loan accounts through CBS ‘Fastpath: LN001 - Loan Account Closure’. *Team CBOA COIMBATORE* (For Educative Purpose & Internal Circulation only, please follow https://tinyurl.com/cboaofficialwhatsappchannel for daily updates)