use strict;
use warnings;
use Data::Dumper;

my %desc = (
    200 => { type  => 'single',
             names => [ 'f1', 'f2', 'f3', 'name', 'street', 'place1', 'place2', 'f8', 'f9', 'f10', 'f11', 'email', 'f13' ] },
    501 => { type  => 'single',
             names => [ 'rate1', 'rate2' ] },
    530 => { type  => 'multiple',
             names => [ 'f1', 'f2', 'f4', 'f5', 'f6', 'f7', 'f8', 'f9' ] }
    );

my %data;
$/ = "`\n";
foreach my $line (<DATA>) {
    chomp $line;
    my @fields = split '~\d\d', $line;
    next unless length $line;
    next unless scalar(@fields);
    
    my $fieldno = shift @fields;
    if( exists $desc{$fieldno} ) {
        if( $desc{$fieldno}{type} eq 'single' ) {
            @{$data{$fieldno}}{ @{ $desc{$fieldno}{names} } } = @fields;
        } else {
            push @{ $data{$fieldno} }, {};
            @{ $data{$fieldno}[-1] }{ @{$desc{$fieldno}{names}} } = @fields;
        }
    } else {
        print "Unknown data $fieldno\n";
    }
}
print Dumper \%data;

__DATA__
200~020000000123~0509112013~0610102013~07JOHN SMITH~08131 MAIN ST~09SOMEWHERE TX 77777~12SOMEWHERE~13TX~1477777~15R011~197~24bobsmithsemail@gmail.com~251`
501~0211.150%~03.030547%`
500~0109112013~020001~03PERSONAL LOAN~05Balance Forward~0694188~0770~087~182~21Original Balance~22138000~24608`
300~01BOBS FRIEND~021`
530~0109182013~0209182013~0312184-~04609~051237~0610338-~0783850~08Payments by Check~23K~25P`
510~0109182013~0209182013~03Mail Transaction~041`
539`
530~0110082013~0210082013~0312200-~05512~0611688-~0772162~08Payments by Check~23K~25P`
510~0110082013~0210082013~03Mail Transaction~041`
539`
599~0110102013~02Ending Balance~0372162~10Total Aggregate Amount Paid From Open~12Total Interest Paid From Open~136063~141218~1565838`
570~0112183~0311042013~0411042013~0512162~0712162~0844~1112183`
540~012~0224384`
550~01Interest Paid~026063~031218~06609~071749~0865838~091218`
690~010004~032219~04600`
701~01PERSONAL LOAN~0272162`