Control on Bank CC Accounts

Hi
My client operates a number of bank cash credit (CC) accounts.
Each bank grants a certain CC limit to them, (for example ICICI bank grants Rs 50 lakh CC), beyond which they cannot issue cheques.
They require this to be built into SAP, so that if the limit is reached no further posting of outgoing payments can be made from that bank account and the user gets a warning message.
Could anyone guide me on how i can configure this?
thanks
Roshan

Hi Roshan,
There is a module in SAP called In-House cash. Using this module will answer your question. Before I go further let me warn you that, implementing this module would be a 'Overkill'   just to achieve your requirment (keeping a tab on the CC limits).
Let me explain what this module does.
1. In-House bank is a bank for internal purpose. So like you open a bank acocunt with Bank of India/Bank of America, you open a bank account with the In-House bank.
2.You use this bank account no. (given by the Internal bank) to configure your House Bank (FI12)  payment program(FBZP)
3. Internally in the In-House bank, you can set up limits (exactly the same limit you have with your bank BOI/BOA.)
4. So when you run you payment program it updates in-house cash with the outgoing payment automatically.
5. Now there are reports which will tell you whether you are within the limit or you have exceeded the limit.
The real purpose of using the In-house bank is:
1. to reduce the 'real' account with external banks like Bank of India.
2. Have an internal 'payment factory'. What this means is that you can centralize your payment function, in one location when you have multiple company codes which make separate payment to their vendors. This is also called Shared Service Center in some places.
3. All inter company transactions can be routed through the In-house bank. This enables you to do inter-company reconciliation easily at the end of each month. this will also help you to calculate interest on inter-company transactions.
4. You can do Cash Pooling of all your company codes and better utilize your cash.
There are many more benefits of IN-house cash. But as I said earlier, it will be a overkill to implement In-House cash if you are going to use it only to know whether you have exceeded the limits of CC accounts.
I am throwing this in this link so that you guys are aware of this module. This comes under FSCM (Financial supply chain management)

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