💼 Key Features & Functionalities:

🏦 Core Banking System (CBS)

Centralized platform to manage all banking operations across branches and digital channels.

• Real-time account management

• Centralized ledger and GL control

• Multi-branch support

• Transaction processing and reconciliation
  
  

💳 Loan & Credit Management

End-to-end loan lifecycle management with automation and risk controls.

• Loan origination and approval workflows

• EMI scheduling and collection tracking

• Interest calculation (flat, reducing balance)

• Delinquency and NPA management

• Credit scoring and risk profiling
  
  

🧾 Customer Account Management

Efficient management of customer savings, current, and fixed deposit accounts.

• Account opening (digital & manual)

• KYC/AML compliance

• Nominee and joint account features

• Passbook and account statement generation
  
  

🔐 Security & Compliance

Ensure data protection, user accountability, and regulatory compliance.

• Role-based access control

• Secure audit trails

• Compliance with RBI, SEBI, and global standards

• Data encryption and backup management
  
  

📊 Financial Analytics & Reporting

Comprehensive analytics tools to support data-driven decision-making.

• Real-time financial dashboards

• Branch and product performance reports

• Profit & loss, balance sheet, cash flow reports

• Custom report builder and export tools
  
  

💸 Digital Payments & Collections

Enable digital-first banking with seamless payment solutions.

• NEFT, RTGS, IMPS, UPI integration

• Auto-debit and standing instructions

• Mobile wallet and QR code payments

• Payment gateway integrations
  
  

👨‍💼 Customer Relationship Management (CRM)

Enhance customer experience and lifecycle management.

• Customer onboarding and profiling

• Lead and inquiry tracking

• SMS/email alerts and notifications

• Relationship and engagement analytics
  
  

🧠 Automated Risk Management

Monitor and mitigate financial risks with intelligent tools.

• Credit and operational risk tracking

• Internal controls and audit checks

• Compliance flags and alerts

• Fraud detection mechanisms
  
  

📱 Omni-Channel Access

Offer seamless digital experiences across mobile, desktop, and branch environments.

• Customer and agent portals

• Mobile app for customers and staff

• Self-service kiosks and ATM integrations

• Multi-language and localization support
  
  

🏢 Institution Management Tools

Complete control over organization-wide financial operations.

• Branch performance tracking

• Departmental budgeting and expenses

• HR & payroll module integration

• Vendor and procurement tracking
  
  

🔄 Third-Party Integrations

Expand functionality through robust API-based integrations.

• Credit bureaus (CIBIL, Experian)

• Payment systems and aggregators

• Accounting platforms (Tally, QuickBooks)

• Government portals and compliance systems