Comprehensive Banking Modules
Explore our complete suite of modules designed specifically for co-operative banking institutions
Phase 1: Foundation & Core Infrastructure
Essential modules for banking operations
Authentication & Authorization
Secure authentication with multi-factor authentication, role-based access control, and session management.
- ✓ User registration and login
- ✓ Multi-factor authentication (MFA)
- ✓ Role-based access control (RBAC)
- ✓ API authentication
- ✓ Team management (multi-branch)
Member Management
Complete member lifecycle management with shareholding, KYC, and onboarding.
- ✓ Member registration & onboarding
- ✓ Share certificate management
- ✓ KYC verification
- ✓ Member profile management
- ✓ Document management
Account Management
Comprehensive account management with multiple account types.
- ✓ Savings, Current, FD, RD accounts
- ✓ Account statements
- ✓ PMJDY account support
- ✓ Account linking & limits
- ✓ Account status management
Multi-Language Support
Support for 13+ Indian languages with RTL support.
- ✓ 13+ language support
- ✓ Dynamic language switching
- ✓ RTL language support (Urdu)
- ✓ Currency & date localization
- ✓ Indian numbering system
Phase 2: Transaction & Payment Modules
Transaction processing and payment solutions
Transaction Processing
Real-time transaction processing with comprehensive tracking.
- ✓ Transaction recording & logging
- ✓ Transaction history & search
- ✓ Transaction reconciliation
- ✓ Batch processing
- ✓ Real-time processing
Payment & Transfer
Multiple payment methods and transfer options.
- ✓ NEFT, RTGS, IMPS integration
- ✓ UPI & AEPS support
- ✓ Scheduled payments
- ✓ DBT processing
- ✓ Payment gateway integration
Card Management
Complete debit and credit card management.
- ✓ Card issuance & activation
- ✓ Card limits & controls
- ✓ Transaction monitoring
- ✓ PIN management
- ✓ Fraud detection
Phase 3: Lending & Credit Modules
Comprehensive lending and credit management
Loan Management
Complete loan lifecycle with co-operative specific features.
- ✓ Co-operative specific loan types
- ✓ Agriculture, Dairy, SHG loans
- ✓ PSL tracking & reporting
- ✓ EMI calculation & scheduling
- ✓ NPA management
- ✓ Loan restructuring
Credit Management
Advanced credit scoring and risk analysis.
- ✓ Credit scoring engine
- ✓ Credit limit management
- ✓ Credit bureau integration
- ✓ Credit risk analysis
- ✓ Credit report generation
Phase 4: Co-operative Banking Specific
Unique features for co-operative banking institutions
Share Capital Management
Complete share capital lifecycle management.
- ✓ Share certificate issuance
- ✓ Share transfer management
- ✓ Share capital ledger
- ✓ Form A & Form B reporting
- ✓ Share capital reconciliation
Dividend Distribution
Automated dividend calculation and distribution.
- ✓ Dividend calculation engine
- ✓ Dividend declaration process
- ✓ TDS on dividends
- ✓ Dividend statements
- ✓ Unclaimed dividend tracking
Co-operative Governance
Complete governance and meeting management.
- ✓ Board of Directors management
- ✓ Committee management
- ✓ Meeting & agenda management
- ✓ Voting system
- ✓ Election management
- ✓ Bye-laws management
Phase 5: Deposit & Investment Modules
Deposit products and investment management
Deposit Products
Fixed and recurring deposit management.
- ✓ Fixed Deposit (FD) management
- ✓ Recurring Deposit (RD) management
- ✓ Interest rate management
- ✓ Maturity tracking
- ✓ TDS on deposits
Investment Management
Portfolio and investment tracking.
- ✓ Investment account management
- ✓ Portfolio tracking
- ✓ SIP management
- ✓ Performance analytics
- ✓ Investment transactions
Phase 6: Banking Operations & Services
Branch, teller, and ATM management
Branch Management
Multi-branch operations and management.
- ✓ Branch information management
- ✓ Branch staff management
- ✓ Branch performance metrics
- ✓ Multi-branch support
Teller Operations
Complete teller operations management.
- ✓ Cash deposit/withdrawal
- ✓ Check processing
- ✓ Cash drawer management
- ✓ End-of-day reconciliation
ATM Management
ATM operations and monitoring.
- ✓ ATM location management
- ✓ ATM cash management
- ✓ ATM status monitoring
- ✓ Maintenance tracking
Phase 7: Regulatory Reporting & Compliance
RBI, NABARD, State, and Tax compliance
RBI Reporting
Complete RBI compliance and reporting.
- ✓ XBRL reporting
- ✓ CRILC reporting
- ✓ ALM reporting
- ✓ Capital Adequacy reporting
- ✓ NPA reporting
- ✓ PSL reporting
NABARD Reporting
NABARD compliance and reporting.
- ✓ Annual report submission
- ✓ Agriculture credit reporting
- ✓ SHG/JLG reporting
- ✓ Government scheme reporting
- ✓ NABARD audit compliance
State Compliance
State Co-operative Act compliance.
- ✓ Annual returns submission
- ✓ Form A & Form B submission
- ✓ Bye-laws compliance
- ✓ Statutory audit compliance
- ✓ Meeting compliance
Tax Compliance
Income Tax and GST compliance.
- ✓ TDS management
- ✓ TDS certificate generation
- ✓ GST return filing
- ✓ GST invoice generation
- ✓ Tax computation
Additional Modules
Reporting, analytics, communication, and security
Reporting & Analytics
Comprehensive reporting and business intelligence.
- ✓ Custom report builder
- ✓ Scheduled reports
- ✓ Multi-language reports
- ✓ Business intelligence dashboards
- ✓ Member & transaction analytics
Communication & Notifications
Multi-channel communication system.
- ✓ Email notifications
- ✓ SMS notifications
- ✓ Push notifications
- ✓ In-app notifications
- ✓ Support ticket system
Security & Compliance
Advanced security and compliance features.
- ✓ Fraud detection
- ✓ Security monitoring
- ✓ Audit logging
- ✓ KYC/AML monitoring
- ✓ Compliance tracking
Ready to Get Started?
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