Brochure

SAVINGS MODUL

Master Information

  • Account Head, Account Name, Address, Phone No., Occupation, Business Type, Status (Individual / Firm / Joint / Company / Society), Minor, Signature / Thumb Impression, Photograph, and other details.
  • Nominee Details, Minor, Relationship with Account Holder, Guardian, and Other General Information.
  • Account Opening Date.
  • Introduced by Account No.
  • Operating Instructions.
  • Standing Instructions.
  • Cheque Book Issued.
  • Stop Payment Instructions.
  • Closing Date.
  • Nominee.

Transactions

  • Cash Deposit / Withdrawals.
  • Credit / Debit Transfer Entry.
  • Cheque Realized / Returned (Bounced).
  • Cheque Book Issue.
  • Stop Payment Instruction Record / Cancel.
  • Account Freeze / Defreeze.
  • Account Closing.

Processing

  • Interest Calculations and Posting.
  • Service Charges Posting.
  • Cheque Return Charges Posting.
  • Inoperative Account Monitoring; Transfer to Dormant Accounts.

Processing Reports

  • Customer Ledger.
  • Identification of Demand Liabilities and Time Liabilities.
  • Subsidiaries.
  • Monthly Balances List.
  • Cheque Book Issue Register.
  • Stop Payment Register.
  • List of Accounts with Abnormal Balances.
  • Accounts Opened and Accounts Closed.
  • Service Charges Posted Register.
  • Standing Instruction Executed / Unexecuted Register.
  • Balance Certificate Printing.
  • Interest Certificate Printing.
  • List of Minors Turning Major.

CURRENT MODULE

Master Information

  • Account Head, Account Name, Address, Phone Nos., Occupation, Business Type, Status (Individual / Firm / Joint / Company / Society).
  • Signature and other details.
  • Introduced by Account No.
  • Account Opening Date.
  • Operating Instructions.
  • Standing Instructions.
  • Cheque Book Nos. Issued.
  • Stop Payment Instructions.
  • Account Due Date / Closing Date.

Transactions

  • Account Opening.
  • Cash Deposit / Withdrawals.
  • Credit / Debit Transfer Entry.
  • Cheque Realized / Returned (Bounced).
  • Cheque Book Issue.
  • Stop Payment Instruction Record / Cancel.
  • Account Freeze / Defreeze.
  • Account Closing.
  • Overdraft Amount Validation.

Processing

  • O.D. Interest Calculations and Posting.
  • Service Charges Posting.
  • Cheque Return Charges Posting.
  • Inoperative Accounts Monitoring; Transfer to Dormant Accounts.

Reports

  • Customer Ledger.
  • Subsidiaries.
  • Monthly Balances List.
  • Cheque Book Issue Register.
  • Stop Payment Register.
  • List of Accounts with Abnormal Balances.
  • Accounts Opened and Accounts Closed Register.
  • Service Charges Posted Register.
  • Standing Instruction Executed / Unexecuted Register.
  • Balance Certificate Printing.
  • Interest Certificate Printing.

LOANS AND ADVANCES MODULE

Master Information

  • Account Head, Account Name, Address, Phone Numbers, Occupation, Business Type, Status (Individual, Firm, Joint, Company, Society)
  • Member / Nominal Member, Director / Related to Director, Signatures, Photograph, etc.
  • Sanctioned Loan Amount, Disbursement Schedule (Dates and Amounts)
  • Installment Amount, Installment Start Date, Account Opening Date, Account Due Date
  • Margin Money, Margin Percentage, Security Details (Mortgage, Gold Weight, Purity, Article Numbers)
  • Purpose Information, Priority Sector (SSI/Cottage, etc.), Weaker Section (Caste)
  • Authorization Loan Passing, Operating Instructions, Standing Instructions, Cheque Book Numbers Issued, Stop Payment Instructions
  • Period/Amount Slab Wise Variable Interest Rates

Transactions

  • Accounts Opening, Loan Disbursement, Cash Deposits, Credit/Debit Transfer Entries
  • Cheques Realized / Returned (Bounced), Cheque Book Issue, Stop Payment Instructions Record / Cancel
  • Accounts Freeze / Defreeze, Accounts Closing, Account Renewal

Processing

  • Interest Calculations and Posting, Penal Interest Calculations, Cheque Return Charges Posting
  • Insurance Expiry

Reports

  • Customer Ledger, Subsidiaries, Monthly Balances List, Cheque Book Issue Register
  • Stop Payment Register, List of Accounts with Abnormal Balances, Accounts Opened and Closed Register
  • Interest Posted Register, Interest Reminders, Insurance Lapsing Report
  • RBI Reports (Amount/Priority/Weaker/ Health/Authorization/ Purpose/Security/Director)
  • List of Overdue Accounts (Director Wise), List of Over Limit Accounts
  • Pending Installments List, Reminders, Notices
  • Balance Certificate Printing, Interest Certificate Printing
  • Defaulter List (Director Wise), Guarantor List, Guarantor Loan List
  • Dealer and RTO Letters
  • Loan Classification (Amount Wise, Interest Rate Wise)
  • Notices to Defaulters and Guarantors

SMALL SAVING DEPOSIT MODULE

Master Information

  • Account Head, Account Name, Address, Phone Numbers, Occupation, Business Type, Status (Individual/Joint/ Company/Society)
  • Member / Nominal Member, Signatures, Photograph, etc.
  • Nominee Details, Minor, Relationship with Account Holder, Guardian, and Other General Information
  • Lien Information, Operating Instructions, Agent Information

Transactions

  • Customer Account Opening, Renewal of SSD, Rollover
  • Repayment of Loan through SSD, Premature Closing of SSD, Account Closing on Maturity
  • Daily Entry of Agent’s Collection, Weekly/Fortnightly/ Periodic Transfer of Agent’s Collection to Customer Accounts

Processing

  • Interest Calculations, Commission Calculations
  • Transfer of Installments/Amounts to Loan Accounts, Agent Commission Transfer

Reports

  • Customer Ledger, Accounts Opening & Closing Register
  • Agent-wise Customer Report, Interest Posted Register
  • Service Charge Register, Agent Commission Collection Report (Weekly, Monthly)

GENERAL LEDGER MODULE

Master Information

  • Accounts Opening with Automatic/Manual Account Numbering
  • Interest Posting and Provisions Accounts Entry
  • Interest Posting Period Entry
  • Service Charge Amount and Accounts for Posting

Reports

  • Customer Ledger, Accounts Opening & Closing Register
  • Agent-wise Customer Report, Interest Posted Register
  • Service Charge Register, Agent Commission Collection Report (Weekly, Monthly)

DEPOSIT MODULE

Master Information

  • Account Head, Account Name, Address, Phone Nos., Occupation, Business Type, Status (Individual / Firm / Joint / Company / Society)
  • Minor, Signature/Thumb Impression, Photograph, and Other Details
  • Nominee Details, Minor, Relationship with Account Holder, Guardian, and General Information
  • Account Opening Date, As of Date, Maturity Amount Chart
  • Account Due Date/Closing Date
  • Lien Information
  • Pension, Dam Dupatta, etc. Schemes

Transactions

  • Account Opening
  • Renewal of Fixed Deposit (FD), Roll Over
  • Periodic Interest Payments
  • Repayment by Installments
  • Premature Closure of Account
  • Closure of FD on Maturity

Processing

  • Interest Calculations and Posting for Long-Term FDs
  • Tax Deductions
  • Recurring Deposits
  • Re-investment Deposits

Reports

  • Customer Ledger
  • Identification of Demand Liabilities and Time Liabilities
  • Subsidiaries
  • Balances List
  • Renewal Notices
  • Account Opened and Account Closed Register
  • Tax Deduction Certificates
  • Certificate Printing
  • Interest Certificate Printing
  • FD Maturity Report
  • Deposit Classification – Amount Wise, Period Wise, Interest Wise
  • Graphical Reports of Deposits Collected and Interest Paid (Slab Wise, Schemes Wise, Month Wise)

CLEARING MODULE

Master Information

  • Clearing Members and Sub-Members Details
  • Inward / Outward Clearing Instruments Entry
  • Clearing Strips
  • Clearing House, Account Position Statement
  • Inward Clearing Honored / Returned / Pending
  • Clearing Registers

SHARE MODULE

Master Information

  • Share Allotments
  • Additional Share Allotments
  • Share Transfer / Refund
  • Dividend Payment

Processing

  • Dividend Calculations

Reports

  • I-form Register
  • J-form Register
  • Share Ledger
  • Dividend Register
  • Dividend Warrants Printing
  • Unpaid Dividends List
  • Local Script (Marathi) Support
  • Members List / Labels – Alphabetical, Share Number Wise, Branch Wise, Voters List
SYSTEM AND DATA SECURITY
 

  • Password Management

    • Six levels of passwords provided: Operator, Supervisor, Manager, Director, Administrator, and Customer.
    • A super password supersedes all other passwords for administrative control.
    • Only users with valid passwords can access the system.

  • Access Control

    • Counter-Based Locking: Operators can be restricted to work on a specific counter.
    • Function-Based Locking: Operators and Supervisors can be granted access to specific account types (e.g., Hypothecation, Cash Credit).
    • ID Level-Based Locking:
      • Operators can enter transactions and master data but cannot add/edit/delete General Ledger accounts.
      • Supervisors can validate data entered by operators and edit only validated data.
      • Managers and Directors can access reports but cannot modify data.
      • Customers can view specific reports only.
    • Date-Based Locking: After the day-end process, no additions, edits, or deletions are allowed for transactions on that date.
    • Amount-Based Locking: Operators and Supervisors can be assigned access limits based on specific monetary thresholds.

  • Audit Trail

    • Changes to validated data are logged with Operator and Supervisor IDs.
    • All transactions are recorded with Date, Time, Operator ID, and Supervisor ID for complete traceability.

  • Power Failure Recovery

    • The software includes robust recovery procedures to handle data corruption caused by power outages.
 
 
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