Near Gokavaram Bus Stand Opp: BSNL Sanchar … for Proposal [RFP] Turnkey Project of Switch based...

Reques

For

Integrated

ATM Switching,Connectivity

ATMs, VSATs, ATM Last Date for Submission:Date of Opening: Managing Director The HP State Co-operativeHead Office, The Mall, Contact: 0177 2653 154

Sealed

The Aryapuram

Office:

EMAIL:

Email:

Until

supply, installation and commissioning

Layered Software, Hardware, Network

Recon

The Bid Consists of 4 Categories: 1).CORE BANKING

INSTALLATION 4) ELEVEN BRANCHES & HEADOFFICE

Vendor can Quote any One or More or ALL

*Last date for Submission of Both Technical

* Submission of Bids: 1)Technical Bid should

well as signed hard copy( All pages with seal

Softcopy of the bid is required for quick evaluation.

2) Commercial Bid with Signed copy should

with the softcopy in a CD/Pen drive format

2015.

• Quote for Both ASP MODEL and

Request for Proposal [RFP]

For Turnkey Project of

Integrated Switch based solution

For

Switching, Any Branch Banking, Tele Banking,Connectivity to External Networks

Including

ATM Site Preparation, Card Personalization

Submission:

operative Bank Ltd Shimla – 171001

154 / 0177 2656 306

Price of this Tender Document is Rs. 1000/- [One

REQUEST FOR PROPOSAL

Sealed proposals will be received at

Aryapuram Co-operative Urban Bank Ltd Near Gokavaram Bus Stand

Opp: BSNL Sanchar Bhavan

RAJAHMUNDRY-533 104.

PHONE NUMBERS:

Office: 0883-2475681, 2442846, 2478027.

FAX: +91-883-2463468.

EMAIL: [email protected]

[email protected]

Web: www.aryapurambank.com

By

C.E.O./SECRETARY:

Mr. C.V.S. SUBRAHMANYAM Mobile: +91 98481 84318

Email: [email protected]

[email protected]

Untilxxxxxxxxxx at 5:00 PM, for providing:

commissioning of Core Banking Solution including Database, Operating

Network (IPv 6), ATM Switching Services, Rupay Connectivity,

Reconciliation, UCIC and Data Centre

BANKING 2) SWITCHING SOLUTION 3) HARDWARE, DATACENTRE

HEADOFFICE CONNECTIVITY.

ALL (Out of the above 4 Categories)

Technical & Commercial Bids: 05-MARCH-2015.

should be submitted both as softcopy through e-mail by attaching

seal and sign ) through sealed Envelop should reach on-or before

evaluation.

be submitted ( All pages with seal and sign ) on or before

which will be kept in the sealed Envelop should reach on

and OWENERSHIP MODEL.

[RFP]

Banking,

Personalization

[One thousand only]

Operating system &

Connectivity, Card Issuance,

DATACENTRE &

attaching Scanned Copies as

before 05-Mar-2015.

before 05-Mar-2015 along

on-or before 05-Mar-

Core Banking

Request for Proposal [RFP] ................................

I. GENERAL INFORMATION ................................

II. TECHNICAL BID................................

Reg.: Our bid for Core Project ................................

DETAILS OF THE VENDOR ................................

A. PROPOSED APPLICATION SOFTWARE ................................

A.1 APPLICATION SOFTWARE COMPONENTS

A.2 PROPOSED PRODUCTS................................

A.3 SPECIFICATIONS/LITERATURE ................................

A.5 DATABASE SOFTWARE ................................

A.6 OPTIONAL SOFTWARE AND SERVICES ................................

A.7 SYSTEM SECURITY ................................

B. DETAILED FUNCTIONAL REQUIREMENTS

B.4.26 .5 Special Features ................................

B.4.27.5 Special Features ................................

B.5.1 Daily Reports ................................

B.5.2 Miscellaneous Reports................................

B. 5.3 Special Features ................................

B.6.2 Letters ................................................................

B.6.3 Special Features ................................

B.7.2 Letters ................................................................





B.10.2 Letters ................................................................


B.12.2 Letters ................................................................


1. HARDWARE ENVIRONMENT AND

2. DETAILED HARDWARE INFORMATION

Annexure 13 - MAINTENANCE PROGRAM ................................

Annexure 14 - CLIENT REFERENCES ................................

COST QUOTATIONS ................................

(TO BE SUBMITTED IN A SEPARATE SEALED

Banking Project –ARCO Bank, Rajahmundry

Contents

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COMPONENTS AND INTEGRATION ................................................................

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REQUIREMENTS OF APPLICATION......................................................................................

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AND INFRASTRUCTURE ................................................................

INFORMATION ................................................................................................

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SEALED COVER) ................................................................................................

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Core Banking

I.

1. Introduction:

The Aryapuram Cooperative Urban

Visweswara Prasad Rao. The Bank

foundation of discipline, dedication

present the bank has Head Office

Tadepalligudem, Bhimavaram, Diw

and a loan portfolio of Rs.350 Crores.

The main branch at Gokavaram Bus

room, safe deposit lockers and has

The new management which took

the bank in it’s offerings and promised

the investments.

To comply with Reserve Bank of India

term goals including attaining higher

profitability, the Bank intends to

S. No Branch Name

1 Head Office - Rajahmundry

2 Main Branch

3 Fort Gate Branch, Rajahmundry

4 Tadithota Branch Rajahmundry

5 Kateru Branch, Rajahmundry

6 Swarajya Nagar Branch

7 J N Road Branch, Rajahmundry

8 Diwancheruvu Branch

9 Kakinada Branch

10 Tadepalligudem Branch

11 Bhimavaram Branch

12 Amalapuram Branch


GENERAL INFORMATION

Urban Bank Ltd is established in 1919, January 13th by Founder

Bank has completed 96 years of successful operations

dedication and sacrifice of so many great leaders in developing

Office and 11 branches - 6 in Rajahmundry town and each one

Diwancheruvu and Amalapuram. The bank has deposits of over

Crores.

Bus Stand in Rajahmundry has recently been renovated with

has enabled transactions on line to its valued customers.

took over the administration of the bank has decided to give

promised to improve the bank in terms of deposits, 1. Safety

India guidelines and to achieve the Bank’s business objectives

higher levels of operational efficiency, growth in business

implement a Core Banking Solution with delivery channels

Branch Network

Distance

Rajahmundry

Rajahmundry 2 KMs

Rajahmundry 2 KMs

Rajahmundry 3 KMs

Branch Rajahmundry 5 KMs

Rajahmundry 5 KMs

Branch – Rajahmundry 8 KMs

70 KM

Branch 46

82

70

3

Founder Shri. Sarepalli

operations with strong

developing the bank. At

one at Kakinada,

over. 450 Crores

with new strong

give a new look to

Safety and security of

objectives and long

business and improving

channels that would

Distance

0

0

KMs

KMs

KMs

KMs

KMs

KMs

from HO

KMs

KMs

KMs

Core Banking

support all the current and future

bank recognizes that Core Banking

and expanding their position amongst

to deliver on its core competencies

and services at extremely competitive

2. GENERAL INSTRUCTIONS:

2.1 Contacting the purchaser

Any effort by a bidder to influence

contract award decision may result

and without prejudice and will be binding

2.2 Purchaser's right to accept or

The Purchaser reserves the right to

all bids at any time prior to award

bidder or bidders or without any obligation

the purchaser's action.

The Purchaser is not bound to accept

The Purchaser reserves the right to

Purchaser also reserves the right to

ARCO BANK will select proposals with

with a Vendor that may not be lowest

will consider, inter alia, the following

Ability to Execute — Implementation

Costs — All-Inclusive Costs and Annual

Functionality — Delivered Functionality,

Third Party Functionality, and Training

Service and Support — Implementation

Biographical information of team

responsibility.

Technology — Architecture, Process

Toolset

Vendor’s Vision — Short and long

and Track Record for Implementing

The Purchaser reserves the right

requirements.

2.3 Scope of Work

The prime objective is to implement

integrates all the branches as well

increased customer satisfaction as


future needs of the Bank and the customers. The Board of Directors

Banking is vital not only for leveraging internal operations but also

amongst the higher echelons of the Banking system, by enhancing

competencies and ensuring their competitiveness by providing innovative

competitive costs.

INSTRUCTIONS:

influence the Purchaser in evaluation of the purchaser's bid, bid

result in the rejection of the Bidders' bid. Purchaser's decision

binding on all parties.

reject any bid or all bids

to accept or reject any bid and annul the bidding process

award of contract, without thereby incurring any liability

obligation to inform the affected bidder or bidders about

accept lowest or any BID received.

to accept or reject any technology proposed by the vendor.

to make multiple awards if this is in the best interest of

with which to negotiate and reserves the right to enter

lowest in fees charged. In determining the successful Vendor,

following selection criteria:

Implementation Methodology, Client Feedback

Annual Maintenance clause also specify.

Functionality, Third Party Product Integration, Interface Capabilities,

Training

Implementation Planning, Implementation and Post Implementation,

team proposed to carry out the work, Ability to accept

Process for Modifications or Customization, Operational Impact,

long term goals, Third Party Relationships, Development Philosophy,

Implementing Past Vision

right to select one or more than one vendors keeping in

implement enterprise level software solution for the Bank which

well the head office and thus provides better performance,

as well as enables the Bank to reap all of the benefits

4

Directors of the

also for retaining

enhancing its ability

innovative products

bid comparison or

decision will be final

process or even reject

to the affected

the grounds for

vendor.

ARCO BANK.

enter into a contract

Vendor, ARCO BANK

Capabilities, Core

Implementation,

accept Turnkey

Impact, and

Philosophy,

in view its large

which seamlessly

better MIS and

benefits of Enterprise

Core Banking

Banking such as, Anywhere Banking,

Issuance, enhancing operational efficiencies,

technical excellence in implementing

with RBI’s KYC requirements through

identify customers, track the facilities

enable the bank to have a better

implementation of UCIC would also

In view of these objectives, ARCO

vendor, a group of vendors offering

of the requirements by erecting the

The implementation of the project

training and commissioning of CBS

the deliverable include:

2.4 Deliverables:

❖ Core Banking

❖ Loan Originating Process

❖ ALM

❖ Document Management

❖ Head Office Automation

❖ Electronic Fund Transfer

Reconciliation for driving

Issuance of Rupay Cards

❖ Rupay Cards and Card

❖ IMPS

❖ Hardware & III rd Party

❖ Data Centre and DRC

❖ UCIC

❖ Connectivity Solution

❖ Net Banking and Mobile

❖ Financial Inclusion

2.5 PERIOD OF VALIDITY

Bids shall remain valid for a period

A bid valid for shorter period shall

2.6 BID CURRENCY

The Prices in the bid document shall

2.7 BIDDING PROCESS (TWO STAGES)

For the purpose of the present job,

present tender will be submitted in

❖ Technical bid (Part-l)

❖ Commercial bid (Part - ll )


Banking, Anytime Banking, Mobile Banking, Multiple Delivery Channels,

efficiencies, etc. In the process, ARCO Bank is also desirous

implementing state of the art technologies in Network with IPv6

through implementing UCIC Guidelines of RBI as UCIC will help

facilities availed, monitor financial transactions in a holistic

better approach to risk profiling of customers. It is

also smoothen banking operations for the customers.

ARCO BANK realizes that these systems can be procured

offering a joint proposal or multiple vendors each responsible

the Bank’s own Data Centre.

project including design, supply, installation, integration, testing,

CBS and Switching Solution project will be the responsibility

Process

Management System

Automation

Transfer Switching Solution with Card Issuance and

driving the existing ATMs of the Bank and also Integrating

Cards

Card Personalization

Party Software compatible to IPv6

DRC

Solution compatible to IPv6

Mobile Banking

period of 1 month from the date of bid opening prescribed by

be rejected by the purchaser as non-responsive.

all be expressed in Indian Rupees only.

STAGES)

job, a two-stage bidding process will be followed. The response

in two parts:

)

5

Channels, Cards

desirous of achieving

IPv6 and complying

help the Bank to

holistic manner and

is believed that

procured from a single

responsible for a portion

testing, operation,

responsibility of the vendor,

and Management,

Integrating with NPCI for

by the Purchaser.

response to the

Core Banking

The bidder will have to submit the

sealed envelopes (wax seal), duly

“TECHNICAL BID” or “COMMERCIAL

2.8 TECHNICAL BID

TECHNICAL BID will contain the bidder’s

BID will not contain any pricing or

The bid shall be typed and shall be

the contract. The authorization shall

the Bid.

All pages of the Bid except un-amended

Bid.

The Bid shall contain no interlineations,

made by the Bidder, in which case

TECHNICAL BID should be sent by E

2.9 COMMERCIAL BID

The bidder should quote the price

2.10 SUBMISSION OF BIDS

The bidders shall duly seal each envelope

following address. Commercial Bid

The Chief Executive Officer

The Aryapuram Co-operative Urban

Near BSNL Sanchar Bhavan, Aryapuram,

RAJAHMUNDRY-533 104

ANDHRA PRADESH.

2.11 EMD AND THE COST OF THE BID

There is no Ernest Money Deposit

document is also free of Cost.

2.12 DEADLINE FOR SUBMISSION

Bids must be received by the Purchaser

specified date and time mentioned

declared a holiday for the Purchaser,

day.

The Purchaser may, at its discretion,

documents, in which case all rights

deadline, will thereafter be subject

Last date for submission of Both Technical


the Technical bid and Commercial portion of the bids separately

duly super scribing “For Core Banking Project with NPCI Connectivity”

“COMMERCIAL BID” as the case may be.

bidder’s information in the format given in the bid document.

commercial information at all.

be signed by the Bidder or a person duly authorized to bind

shall be indicated by a written Letter of Authorization of

amended printed literature shall be initialed by the person(s)

interlineations, erasures or overwriting except as necessary to

case corrections shall be initialed by the person(s) signing

E-mail by attaching Scanned Copies.

as per Part II (It should be in Sealed Cover Only)

envelope with RED LAC SEAL (Wax Seal) and should be addressed

Bid sent through Sealed Cover only.

Urban Bank Ltd

Aryapuram,

BID DOCUMENT

for participation in the bidding process and the cost of the

OF BIDS

Purchaser at the address specified in the Bid Document not

mentioned in the Bid Document. If the specified date of submission

Purchaser, the bids will be received up to the specified time in the

discretion, extend this deadline for submission of bids by amending

rights and obligations of the Purchaser and bidders, previously

subject to the deadline extended.

Technical and Commercial Bids: 05-MARCH-2015.

6

separately in red lac-

Connectivity” and

document. TECHNICAL

bind the bidder to

of accompanying

person(s) signing the

to correct errors

signing the Bid.

addressed to the

the bidding

not later than the

submission of bids being

the next working

amending the bid

previously subject to the

Core Banking

2.13 LATE BIDS

Any bid received by the Purchaser

returned unopened to the Bidder,

2.14 MODIFICATIONS AND/OR WITHDRAWAL

Bids once submitted will be treated,

this regard will be entertained.

No bidder shall be allowed to withdraw

In case of the successful bidder, he

The bid earnest money in such eventuality

be deemed as foreclosed.

2.15DOCUMENTS TO BE SUBMITTED

The bidder shall submit the following

Technical Bid [The same sequence

Commercial Bid [The same sequence/order

2.16 BID OPENING AND EVALUATION

In the first stage, only TECHNICAL

technical requirements as determined

document shall be short-listed.

In the second stage, the COMMERCIAL

will be opened. The Purchaser reserves

bidder without assigning any reason

binding on the bidders.

2.17 CLARIFICATIONS OF BIDS

To assist in the examination, evaluation

the bidder for clarification.

2.18 PRELIMINARY EXAMINATION

The Purchaser will examine the commercial

computational errors have been made;

the bid document; whether the documents

order. Bids from agents without

form, shall be treated as non-responsive

Arithmetic errors will be rectified

the total price that is obtained by

total price shall be corrected. If there

will prevail. The bid determined as


Purchaser after the deadline for submission of bids will be rejected

if so desired.

WITHDRAWAL OF BIDS

treated, as final and no modification will be permitted. No corresponde

withdraw the bid after the deadline for submission of bids.

he will not be allowed to withdraw/back out from the bid

eventuality shall be forfeited and all interests/claims of such

SUBMITTED

following documents in sealed covers:

sequence / order should be maintained for easy evaluation]

sequence/order should be maintained for easy evaluation]

EVALUATION

TECHNICAL BIDs will be opened and evaluated. Those bidders

determined by the Bank and accepting the terms and conditions

COMMERCIAL BIDs of only those bidders, whose technical bids are

reserves the right to accept or reject any technology proposed

reason thereof. Decision of the Purchaser in this regard shall

evaluation and comparison of bids the purchaser may, at its

EXAMINATION

commercial bids to determine whether they are complete;

made; whether required information has been provided as

documents have been properly signed, and whether bids

proper authorization from the manufacturer as per the

responsive and will be out rightly rejected.

on the following basis. If there is a discrepancy between

by multiplying the unit price and quantity, the unit price shall

there is discrepancy between words and figures, the amount

as not substantially responsive will be rejected by the purchaser.

7

rejected and/or

correspondence in

bid commitments.

such bidder shall

bidders satisfying the

conditions of this

are short-listed,

proposed by the

shall be final and

its discretion, ask

complete; whether any

as underlined in

are generally in

the authorization

between unit price and

shall prevail and

amount in the words

purchaser.

Core Banking

2.19 SIGNING OF CONTRACT

The successful bidder(s) shall be required

of the tender or within such extended

Tender document, the tender of the

conditions as may be determined

accordance with the Bid and the accepta

2.20 GOVERNING LAW AND DISPUTES

All disputes or differences whatsoever

construction, meaning and operation

settled amicably. If however the parties

arbitration in accordance with the

be binding on the parties. The Arbitrator/Arbitrator

subject to the exclusive jurisdiction

During the arbitration proceedings

directed in writing by the bank or

until the decision of the arbitrator

The venue of the arbitration shall be

2.21 VALIDITY OF RATES

The rates will be valid for a period

The vendor will pass on to the purchaser,

respect of orders placed during that

available.

2.22 USE OF CONTRACT DOCUMENT

The Vendor shall not, without the

information provided by the Purchaser

contract.

2.23 ACCEPTANCE OF ORDER

Purchaser has a right to cancel the

date of the order.

2.24 TAXES

The offer should be all-inclusive of

duties and other Govt. levies like

shown separately.

The vendor should mention the

Commercial Bid.


required to enter into a MOU with the Bank, within 7 days

extended period as may be specified by the Purchaser on the

the successful bidder, the letter of acceptance and such other

determined by the Bank to be necessary for the due performance

acceptance thereof.

DISPUTES

whatsoever arising between the parties out of or in relation

operation or effect of these Tender Documents or breach thereof

parties are not able to solve them amicably, the same shall

the applicable Indian Laws, and the award made in pursuance

Arbitrator/Arbitrators shall give a reasoned award. Any

jurisdiction of the courts at Rajahmundry.

proceedings the Vendor shall continue to work under the Contract unless

or unless the matter is such that the work cannot possibly

or the umpire, as the case may be, is obtained.

be Rajahmundry.

of ONE YEAR, if not revised earlier, on review by the purchaser.

purchaser, the benefit of discounts if any announced during

that period. The Vendor will also provide the latest models/Technology

DOCUMENT AND INFORMATION

the purchaser's prior written consent, make use of any

Purchaser in Bid document or otherwise except for purpose

the order if the same is not accepted within a period of 10

of the cost of equipment, its installation, configuration

like Sales Tax/Service Tax/VAT/WCT, Octroi /Entry Tax which

e warranty period and Cost of AMC after warranty

8

days of the award

the basis of the

other terms and

performance of the work in

relation to the

thereof shall be

shall be settled by

pursuance thereof shall

Any appeal will be

unless otherwise

possibly be continued

purchaser.

during any period in

models/Technology

any document or

purpose of performing

10 days from the

including Excise

which should be

warranty clearly in the

Core Banking

2.25 DELIVERY PERIOD

The hardware/software(s) are to be

MOU signed by the Vendor(s) and

the right to cancel the order in case

2.26ACCEPTANCE TEST

The system is subject to an Acceptance

and time mentioned by the purchaser

2.27PLACING THE ORDER BY THE CONCERNED

The vendor/s shall be finalized centrally

The vendor/s has to co-ordinate with

acceptance within 10 days from the

The Bank may assign the order in

decides to give the order only for

product / service from another vendor

2.28WARRANTY

Comprehensive on-site warranty for

Bid.

2.29ANNUAL MAINTENANCE CONTRACT:

The vendor should also quote separately

all components without any exception.


be delivered as per the agreeable terms and conditions mentioned

and the Bank at the time of issuance of the order. The purchaser

case delivery is not affected within the stipulated time.

Acceptance test. Vendor has to arrange one Engineer at the

purchaser to assist in the acceptance test.

CONCERNED OFFICES

centrally at the Head Office.

with branch office personnel for project execution. The vendor

the date of order.

in complete or in part on the rates approved for the same.

for one product / service, the Bank reserves the right to procure

vendor for the said Project.

for all products / services should be mentioned clearly in

CONTRACT:

separately for AMC from the date of expiry of Warranty. AMC

exception.

9

mentioned in the

purchaser reserves

site at the date

vendor shall give

same. If the Bank

procure another

the Commercial

AMC would cover

Core Banking

1. Eligibility Criteria

This RFP is open to all Private / Public

India under relevant Indian laws as

subject to the following requirements:

❖ All Vendors are allowed to

products / services from

Vendor who takes up the

❖ The bidding company can

vendors. Or through their

per the Companies act 1956].

❖ All the members of the consortium

valid authorization letters

companies.

❖ The Bidder shall submit the

the Bidder is tying up with.

❖ All Companies represented

execution of the Contract

shall be included in the bid

❖ The OSDs or Bidder who

the relevant minimum qualification

2. Core Banking, Head Office Automation

❖ The Original Software Developer

❖ The Product is developed

enhancements and customer

India especially in Rajahmundry

❖ The CBS proposed should

Banks in India. The Bank

performance of the Software

negative feedback from the

❖ The CBS Solution must

through an Authorized Service


Technical Bid

II. TECHNICAL BID

Public Limited Companies within India, who are eligible to

as in force at the time of bidding should fulfill the eligibility

requirements:

to quote fully for the project and it is bank’s decision to

one / multiple vendors. However the first preference will

entire project on Turnkey basis.

can participate in the bid independently or in consortium with

their authorized Partner [A registered Private / Public Limited

1956].

consortium should have proper teaming agreement and also

letters from each member from an Authorized signatory of

the role, responsibilities of each OSD/OEM/Service Provider

with.

represented by the BIDDER shall be legally liable jointly and severally

Contract in accordance with the Contract terms, and a statement

bid and in the Contract.

are responsible for a specific component (s) of the project

qualification criteria for that particular component / Product

Automation and Document Management System

Developer [OSD] should have an ISO / CMM Certification.

developed in India and OSD should have proper facilities

customer support to support directly or through their Authorized

Rajahmundry or a nearby place.

should be a proven solution with minimum 20+ satisfied urban

Bank may cross-check with all the clients of the OSD

Software and Support standards and can reject the Vendor

the any of the clients even if they are technically qualified

have experience in integrating with NPCI Network either

Service Provider at least in 5 Cooperative Urban Banks in India.

10

to do business in

eligibility conditions

to choose various

will be given to a

with one or many

Limited Company as

also should have

of the respective

Provider with whom

severally for the

statement to this effect

project must meet

Product individually:

facilities for product

Authorized Partner in

urban co-operative

OSD regarding the

Vendor if they get

qualified in the BID.

either directly or

India.

Core Banking

❖ Proposed Application must

Urban Co operative Banks

than 200 branches collectively

❖ The solution should be browser

❖ The OSD must have presence

for more than 5 years in India.

(Documentary proof for each of the

3. NPCI Connectivity with all

Reconciliation and IMPS

❖ The Services proposed should

❖ The services should be through

❖ The proposed solution mus


Support standards and can

clients even if they are technically

(Documentary proof for each of the

4. Rupay Cards, Card Personalization

❖ The OEM should be in the

❖ The OEM must have personalized

including EMV cards) for

proof of the same must be

❖ The OEM must have

manufacturers authorization

submit certificates that they

supply cards as per MasterCard,

they have been authorized

manufacturer. The copy

❖ The vendor must have required

by MasterCard, VISA and

5. IMPS

❖ The OSD/Service Provider

❖ The OSD must have insta

and same has been op


must be a Robust 3-Tier Browser Based Solution and implemented

Banks having more than 30 - 40 Branches of a single Bank and

collectively from all Co-op Bank clients.

browser and machine Independent

presence in Software Business offering CBS Solutions to Cooperative

India.

the above is to be provided.

Services like Switching, Rupay Card Issuance and

should have PADSS Compliance and ISO 27001 Certification

through NPCI’s authorized service providers / through their

must be working successfully in at least 10 satisfied urban

Bank may cross-check with all the clients regarding the performance

can reject the Vendor if they get negative feedback from

technically qualified in the BID.

the above is to be provided.

Personalization and PIN Mailer Stationery

the similar business of personalization of cards for at least

personalized at least 10 lac cards (combine of debit cards

any bank of repute in India, during the last financial/calendar

be enclosed along with the technical bid.

the necessary latest MasterCard / Visa / RuPay

authorization form (MAF) for personalization of such cards. The

they are empanelled by MasterCard , VISA and RuPay to

MasterCard, VISA and RuPay guidelines or from their manufacturers

authorized to quote on behalf of MasterCard, VISA and

of the certification must be enclosed along with the technical

required infrastructure for card personalization at their premises

RuPay.

Provider must be accompany/firm registered in India for last

installed IMPS Switch in at least ten Banks or on ASP or

perational since last 24 months from the date of RFP floating.

11

implemented in

and having more

Cooperative Banks

Management,

Certification

their partners

urban co-operative

performance and

from the any of the

2 years.

cards & credit cards

financial/calendar year. The

Certification /

The vendor must

to manufacture \

manufacturers that

RuPay certified

technical bid.

premises certified

5 years.

or owned model

oating.

Core Banking

❖ The installed Switch s

owned/outsource (un

handle 5 lac transactions

6. Hardware & III Party Software

❖ All the products should

❖ The Bidder should

Distributors/Partners

7. Data Centre and DRC

❖ The bidder / their Partner

and would have constructed

8. UCIC

❖ The OSD should have extensive

Banks as their clients and

❖ The solution should provide

9. Connectivity Solution compatible

❖ All the products should




should be processing a Minimum of 10,000 transactions

nder shared services)/ASP (hosted model) and should

sactions per day.

Software Compatible with Network IPv6

should be from the reputed Brands like IBM, Oracle, CISCO etc.,

have the authorization letters from the OEMs/their


Partner should have sufficient experience in preparing Data Centers

constructed at least 5 DCs in India

extensive experience in Big Data and Analytics and must

and out of which at least 2 clients should be Urban Banks.

provide Address Standardization facility also

compatible comparable to Network IPv6

should be from the reputed Brands like CISCO etc.,

have the authorization letters from the OEMs/their


12

transactions per day either

be scalable to

etc.,

OEMs/their authorized

Centers in India

have at least 3

Ms/their authorized

Core Banking

The Secretary / CEO

The Aryapuram Co-operative Urban

Near Gokavaram Bus Stand

Opp: BSNL Sanchar Bhavan

RAJAHMUNDRY-533 104. Andhra

Sir,

Reg.: Our bid for Core Project

We submit our Bid Document herewith.

We understand that

❖ You are not bound to accept

bid.

❖ If our Bid for the above

upon by the purchaser to

contract is prepared and

constitute a binding contract

❖ If our bid is accepted, we

the contract. Vendor means

commercial bids.

❖ The names of short listed

same of successful bidder

second stage (Commercial

Head office or published on

Dated at____________this _______________day


III. ANNEXURES

Annexure - 1

Forwarding Letter

Urban Bank Ltd (ARCO Bank)

ra Pradesh.

herewith.

accept the lowest or any bid received by you, and you may

job is accepted, we undertake to enter into and execute

to do so, a contract in the prescribed form. Unless and

executed, this bid together with your written acceptance

contract between us.

we are to be jointly and severally responsible for the due

means the bidder who is decided and declared so after

listed bidders after the completion of first stage (Technical

bidder to whom the contract is finally awarded after the

(Commercial Bid), shall be displayed on the Notice Board of the purchaser

on their website.

_______________day of __________2015.

For______________________

Signature: _______________

Name: ___________________

13

reject all or any

execute when called

and until a formal

acceptance thereof shall

performance of

examination of

(Technical Bid), and the

the completion of

purchaser at Bank’s

Yours faithfully

For______________________

_______________

___________________

Core Banking

Description

1. All the details mentioned

documents submitted by

Bank observes any misrepresentation

at any stage of evaluation,

the proposal and disqualify

2. We hereby acknowledge

Bank can at its absolute

deems appropriate, not

in the BID and related documents,

for providing the turnkey

3. We also acknowledge the

our Company for the Bank’s

of 1 month, for the short

expiry of the last date for

and related documents.

4. We understand that the

conditions that may be

offer and the Bank reserves

stipulated by it in the

modified, if any, by the Bank

We also agree that the

technically compliant, wi

terms and conditions, based

the offers irrespective of

in vendor’s offer.

5. We have noted that the

proposal not submitted

required information.

6. The Bank may at its absolute

non-conformity in any

matter will be final and the

This RFP is open to all Private / Public

who are eligible to do business in

in force at the time of bidding should

subject to the following requirements:


Annexure - 2

Compliance to Bid Document

Compliance

Y N

mentioned above and in the other tender

by us are true and correct and if the

misrepresentation of facts on any matter

evaluation, the bank has the right to reject

disqualify us from the process.

acknowledge and unconditionally accept that the

absolute discretion apply whatever criteria it

just limiting to those criteria set out

documents, in short listing of vendors

turnkey Project.

the information that this response of

Bank’s BID process is valid for a period

short-listing purpose, from the date of

for submission of our response to BID

the Bank will not accept any extraneous

be stipulated by the vendors in their

reserves the right to adhere to the terms

BID documents and to the extent

Bank during the technical evaluation.

vendors, whose offers are otherwise

will have to adhere to the Bank’s

based on which, the Bank has sought

of the terms or deviations contained

the Bank reserves the right to reject any

in the required formats and with the

absolute discretion waive any minor

offer. The Bank’s decision in the

the same shall be binding on us.

Public Limited Companies within India,

in India under relevant Indian laws as

should fulfill the eligibility conditions

requirements:

14

Remarks

Core Banking

� All Vendors are allowed

bank’s decision to choose

one / multiple vendors.

given to a Vendor who

Turnkey basis.

❖ The bidding company

independently or in consortium

Or through their authorized

Public Limited Company

❖ All the members of the

teaming agreement and

letters from each member

the respective companies.

❖ The Bidder shall submit

OSD/OEM/Service Provider

with.

❖ All Companies represented

liable jointly and severally

in accordance with the

this effect shall be included

❖ The OSDs or Bidder who

component (s) of the

minimum qualification criteria

/ Product individually:


to quote fully for the project and it is

choose various products / services from

However the first preference will be

who takes up the entire project on

company can participate in the bid

consortium with one or many vendors.

authorized Partner [A registered Private /

Company as per the Companies act 1956].

the consortium should have proper

and also should have valid authorization

member from an Authorized signatory of

companies.

submit the role, responsibilities of each

Provider with whom the Bidder is tying up

represented by the BIDDER shall be legally

severally for the execution of the Contract

Contract terms, and a statement to

included in the bid and in the Contract.

who are responsible for a specific

the project must meet the relevant

criteria for that particular component

15

Core Banking

I] Core Banking, Head Office Automation

Element

❖ The Original Software Deve

have an ISO/CMM Certification.

❖ The Product is developed

should have proper

enhancements and

support directly or through

Partner in India especially

nearby place.

❖ The CBS proposed should

with minimum 20+ satisfied


all the clients of the

performance of the

standards and can reject

negative feedback from

even if they are technically

❖ The CBS Solution must

integrating with NPCI Network

through an Authorized

in 5 Cooperative Urban

❖ Proposed Application must

Browser Based Solution

Urban Co operative Banks

- 40 Branches of a single

than 200 branches collectively

Bank clients.

❖ The solution should be

Independent


Annexure -3

Eligibility Criteria

Automation and Document Management System

Compliance Deviation /

Yes No

Developer [OSD] should

Certification.

developed in India and OSD

facilities for product

customer support to

through their Authorized

especially in Rajahmundry or a

should be a proven solution

satisfied urban co-operative

Bank may cross-check with

the OSD regarding the

Software and Support

reject the Vendor if they get

from the any of the clients

nically qualified in the BID.

must have experience in

Network either directly or

Service Provider at least

Banks in India.

must be a Robust 3-Tier

Solution and implemented in

Banks having more than 30

single Bank and having more

collectively from all Co-op

be browser and machine

16

Remarks

Core Banking

II] NPCI Connectivity with all

Reconciliation and IMPS

Element

❖ The Services proposed

Compliance

❖ The services should

authorized service providers

partners

❖ The proposed solution

successfully in at least

operative Banks in India.

check with all the

performance and Support

reject the Vendor if they

from the any of the clients

technically qualified in the

III] Rupay Cards, Card Personalization

Element

The bidder / Group Company

experience in doing ATM / Debit

supply, Personalization and PIN Mailer

The bidder / OEM / Service

secured orders / did Card Personalization

least 15 reputed Public Sector /

Banks.

Documentary proof for each of all

be provided the vendor (s)


Services like Switching, Rupay Card Issuance and


Yes No

proposed should have PADSS

should be through NPCI’s

providers / through their

solution must be working

least 10 satisfied urban co-

India. The Bank may cross-

clients regarding the

Support standards and can

they get negative feedback

clients even if they are

the BID.

Personalization and PIN Mailer Stationary

Compliance Deviation / Remarks

Yes No

should have sufficient

Debit Card /Rupay Card

Mailer Supply in India.

Provider should have

Personalization Services to at

/ Private / Co-operative

all the above points is to

17

Management,

Remarks

Remarks

Core Banking

IV] IMPS

Element

❖ The OSD/Service

accompany/firm reg

5 years.

❖ The OSD must have

at least ten Banks

model and same has

last 24 months fr

floating.

❖ The installed Switch

Minimum of 10,000

either owned/outsource

services)/ASP (hosted

scalable to handle

day.

V] Hardware & III Party Software

Element

❖ All the products

reputed Brands like


letters from the OEMs/their


VI] Data Centre and DRC

Element

❖ The bidder / their

sufficient experience in

in India and would have

DCs in India



Yes No

Provider must be

registered in India for last

installed IMPS Switch in

Banks or on ASP or owned

has been operational since

rom the date of RFP

Switch should be processing a

10,000 transactions per day

source (under shared

(hosted model) and should be

5 lac transactions per

compatible to IPv6


Yes No

should be from the

IBM, Oracle, CISCO etc.,

have the authorization




Yes No

Partner should have

preparing Data Centers

have constructed at least 5

18

Remarks

Remarks

Remarks

Core Banking

VII] UCIC

Element

❖ The OSD should have extensive

Big Data and Analytics and

Banks as their clients and

2 clients should be Urban

❖ The solution should

Standardization facility also

IX] Connectivity compatible with IPv6

Element

❖ All the products

reputed Brands like


letters from the OEMs/their




Yes No

extensive experience in

and must have at least 3

and out of which at least

Urban Banks.

should provide Address

also

IPv6


Yes No

should be from the

CISCO etc.,

have the authorization



19

Remarks

Remarks

Core Banking

Details filled in this form must be accompanied

correctness of the information.

S. No Item

Name of Company

Postal Address

Telephone and Fax numbers

Constitution of the Company

Name and designation

make commitments

letter is required from

Email Address

Year of commencement

Sales Tax Number

Income Tax Number

Whether direct Software

authorized Channel Partner

Name and Address

Manufacturer / OSDs/

Please furnish all details

India. ( Attach separate


Annexure 4 DETAILS OF THE VENDOR

accompanied by sufficient documentary evidence, in order

Details

numbers Telephone: FAX:

Company

designation of the person authorized to

to the Bank [An authorization

from the company]

commencement of Business

Software Developer / manufacturer or

Partner

Address of Software Developer /

OSDs/ OEMs

details of Clients of the Company in

separate sheet )

20

order to verify the

FAX:

Core Banking

Element

A. PROPOSED APPLICATION SOFTWARE

A.1 APPLICATION

COMPONENTS AND

The RFP response should

overview and diagram

components of the

software and how they

another. Detailed capabilities

that address specific requirements

addressed in this document

A.2 PROPOSED PRODUCTS


identifies all software

part of the proposed

response should indicate

vendor of each product.

third party product,

including manufacturer,

contact information.

overview and support

component listed. Detail

requirements not specifically

document should be

information.

A.3 SPECIFICATIONS/LITERATURE


manufacturer's literature

all third-party components

Material may be included

attachment to the response


Annexure - 5

Technical Specifications


Yes No

SOFTWARE

APPLICATION SOFTWARE

AND INTEGRATION

should present a high-level

diagram that explains the

proposed application

they integrate with one

capabilities and functions

requirements should be

document

PRODUCTS

should provide a list that

components that are

proposed solution. The RFP

indicate manufacturer and

product. If the product is a

provide information

manufacturer, description, and

Provide a general

support options for each

Detail relating to support of

specifically addressed in this

included with this

SPECIFICATIONS/LITERATURE

should include relevant

literature and specifications on

components mentioned above.

included as a separate

response document.

21

Remarks

Core Banking

The offered Banking

focused on the Banking

be Truly Web based Core

communicates with users

Bank. It should have

features like product wise

user level wise rights

defined for every user and

architecture.

✓ Single DATA BASE system

connected approach.

✓ Single Application system

connected approach.

✓ Branches only have

machine as a server

purpose.

✓ All transactions and

basis.

✓ Customer is of the Bank.

✓ MIS is to be generated

In the centralized scenario, the

web server & database are

location only. All the branches

and get the response from

when they are connected. The

receives data to and from application

the LAN. All the processing &

on the application server.

In case, any branch is down

cannot perform any type of transaction

branches except ATM & Internet

would remain available to the


solution should be

functionality. It should

Core Banking Solution that

users and top officials of

multi level security

wise Branch wise rights,

rights with access rights

and built on 3 tier web

system with all branches

approach.

system with all branches

approach.

have nodes and defined

server for only printing

and masters are on-line

Bank.

generated from Central server

the application servers,

are set up in a central

branches send their request

from the web server only

The web server send -

application server over

& business logic reside

due to connectivity, it

transaction from other

Internet banking operation

the customer as usual.

22

Core Banking

In short, the software should

tasking and single window concept.

global network multi-user, multi

environment. But only authorized

access the software and

computers outside the bank will

To run the CBS system, Internet

be arranged by the bank from

Primarily if bank wishes, the

should be run like Window-based

building data center and

connection bank will run the

environment.

A.4 Salient CBS Features

Branch to Branch Connectivity

Database.

Complete Branch Operations.

Support POS enabled.

Support Biometric Card enabled.

Touch Screen Based Enquiry System.

SMS/MOBILE Banking

Head Office Operations with (OSS).

Asset Liability Management (ALM).

Tele Banking System.

ATM Switch Interface.

Pigmy Machine Interface (DRD).

Bio-Metric login.


should support the multi

concept. It should run in

multi-location Internet

authorized computers can

and access to general

will be prohibited.

Internet Connections would

from any service provider.

the offered CBS solution

based system and after

and arranging internet

the same system in Core

Features

Connectivity with Centralized

enabled.

System.

(OSS).

(ALM).

23

Core Banking

• PACS Enabled

A.5 DATABASE SOFTWARE


description and architecture

Database Management

infrastructure used to

solution. Include a detailed

alternative database architectures

and indicate the recommended

upon:

• Price

• Scalability (current to

• Performance

• Toolset

• Compatibility with

proposed hardware

A.6 OPTIONAL SOFTWARE


of any features (or value

and services available

proposed software that

specifically requested in

optional software or services

value to ARCO BANK would

A.7 SYSTEM SECURITY

The RFP response should describe

security structure and process

application to control access:


should provide a general

architecture diagram of the

Management system and

support the proposed

detailed discussion of the

architectures available

recommended option based

to future requirements)

with the existing or

infrastructure.

SOFTWARE AND SERVICES

should provide a description

value added components)

available for use with the

that has not been

in the RFP. Only those

services which are of

would be considered.

describe in detail, the

process used by the

24

Core Banking

• To the application

interface

• To the underlying data

party tools

• Across different areas

population (staff,

customers, etc).

• Describe how you provide

field level, screen level,

warehouse level.

Additionally, describe in

• Transaction/system logging

• ease of implementation

• The effect on the

time/performance

transaction/system logging

A.8 The Solution should

• Security on Machine

database.

• Security on User level

password.

• Security on User Login

• Security on Branch level.

• Security on Database

• Security on Branch Terminal

• Security on Module.

• Security on User level.


via its incorporated

data via direct and third-

areas of the user

officers, managers,

provide security at the

level, user level, and data

detail:

logging capabilities

implementation capabilities

the system response

due to

logging.

should ensure :

Machine Level- Id stored in

level with encrypted

Login attempt.

level.

level.

Terminal Level.

level.

25

Core Banking

• Security on Menu Level.

• Https URL with http protocol

• Make own data encryption

algorithm (security certificate).

B. DETAILED FUNCTIONAL

B.1 Functional Requirement

a. Customer information/maintenance:

‘Customer ID’ should

generated by the Core

relevant information about

coming in contact with

system. Creation of ‘Customer

time activity and should

Customer in the BANK.

holder who establishes a

Bank in the capacity of a

nominee etc should also

Customer

Customer information system

the requirement of

prescribed by UCIC circular.

features / details should

separately including the

B.2 Features and functions

The over view of all the heads

covered are as follows

General Ledger / Day Book

Saving Bank Accounts

Current Accounts

Cash Credit Accounts


Level.

protocol and SSL.

encryption and decryption

certificate).

FUNCTIONAL REQUIREMENTS OF APPLICATION

Requirement for the Core Banking Application

information/maintenance:

be a unique Code,

Banking system once

about the person or entity

bank is fed into the

‘Customer ID’ should a one-

should be unique for that

Even a Non-Account

a relationship with the

Guarantor, introducer,

also be reckoned as a

system should also fulfill

RBI KYC guidelines

circular. (The UCIC

should be furnished

the cost components)

functions of core banking solution

heads which are to be

26

Application

Core Banking

Current Overdraft Accounts

Draft payable

Recurring Deposits Module

Head Cashier/ Cashier/ Teller/

Lockers Operation

Remittances (Draft Issue, Mail

Clearing (Outward)

Clearing (Inward)

Fixed Deposit

Signature/ Photograph Capturing

Loan Accounting System

PACS Module

Credit Card

Borrowings

Consolidation of GL at Head Office

Branch Reconciliation System

Banker

Audit Trail

Security

HR/Payroll – PF, EPS, Staff Loaning

DMS Module

MIS (Management Information

These Modules

implemented

depending upon

of the Bank /

B.3 Deposit: -


Teller/ Safe operations

Mail Transfers)

Capturing & Display

Office

System

Loaning etc

Information System)

Modules can be

implemented in Modular way

upon the requirements

Branch.

27

Core Banking

B.3.1 Account Maintenance:

maintenance should be

Product (GL) relations. The

maintained in the bank

Recurring deposits, Daily

Deposits, Current deposits,

Account wise Operato

amount/period Details, nomination

should be maintained in software.

Calculations & postings

Interest posting, Payable

calculation, YTM,

B.3.2 Share: - The certificate

maintenance of Permanent

Nominal share holder. Dividend

posting. Account wise

certificate details, nomination

should be maintained in software.

B.3.3. Loans & Advances:

like Cash Credit, Overdraft,

B.3.4 Investment: -

B.3.5 Borrowings: -

B.4 Modules

B.4.1 Savings Bank

B.4.2 Current Accounts

B.4.3 Cash Credit Accounts

B.4.4 Overdraft Accounts

B.4.5 Day Book / Cash Book /

B.4.6 Passbook Printing with

designing for all kinds of Passbooks

B.4.7 Cheque Book Management

B.4.8 User Management with


Maintenance: - Deposit account

based on Scheme and

The types of deposits

bank are Term Deposits,

Daily deposits, Saving

deposits, Flexi Deposits.

Operator details, Deposit

nomination details etc

software.

- Interest Calculation,

Payable maintenance, TDS

certificate wise account

Permanent Share holder,

Dividend calculation and

wise Operator details,

nomination details etc also

software.

Advances:- Loans and advances

Overdraft, Term Loans,

General Ledger

with configuration and

Passbooks

Management System

with Access Right system

28

Core Banking

B.4.9 Standing Instructions for

branch and outside the branch

• Fixed amount

• Multiple of fixed

• Variable with retained

B.4.10 Fixed Deposits/Term

of various kinds - covering :

• Define own schemes,

design documents

• Scheme specific

covering 0% PMRY

• Flexi Deposit or

Super Flexi Scheme

• Recurring/Cumulative

• Daily Deposit Scheme

• TDS with reverse

quarterly compounding

• Demand Loan

• Term Loan

• Housing Loan

• Housing Loan

• Consumer Loans

• Festival Loans

• Education Loan

• Agricultural Loans

• Credit Card

• NPA with memorandum

• Protested


for transfer within the

branch of

retained amount

Deposits/STDRs Loans

schemes, configure and

documents as per requirements

specific interest charts and

PMRY FD’s

Super Savings Bank or

Scheme

Recurring/Cumulative Deposits

Scheme

reverse calculation in

compounding schemes

Loan

Loan Staff

Loan Public

Loans

Loans

Loan

Loans

memorandum details

29

Core Banking

• Recovery

• Write Off

• Interest

Daily/Monthly/Q

compounding,

Interest etc.

B.4.11 Clearing

• Inward

• Outward

B.4.12 Remittances

B.4.13 Lockers Operation

B.4.14 Teller Operation

B.4.15 Government Business

B.4.16 Sundry / Suspense

B.4.17 Bills

B.4.18 Letter of Credit and Bank

B.4. 19 MIS covering :

• Income Expenses Statement

• Profit and Loss Statement.

• Daily/Weekly/Monthly/Quarterly/Half

Yearly/Yearly Reporting

• Making of required Credit

• NPA statements

• Statistics and comparisons

branches

• ALM Extracts

• IBR Extracts

B.4.20 Salary / Pension

(formats as per bank’s specifications))


on

Monthly/Quarterly

compounding, Moratorium, Simple

Business

Bank Guarantee

Statement

Statement.

Daily/Weekly/Monthly/Quarterly/Half

Reporting to RO/HO

Credit statements

comparisons between

Pension Upload Interface

specifications))

30

Core Banking

B.4.21 ATM Interface with

following features :

• For ATM

• Balance Enquiry

• Cash withdraw

• Mini-Statement

• Cash Deposit

• Cheque Deposit

• Cheque Book

• Statement

• Funds Transfer

in the Bank’s

•

• Utility Bill

Pipeline )

B.4.22 Tele banking Interface

B.4.23 Mobile Banking Interface

B.4.24 Financial Inclusion

B.4.25 General Ledger/Day Book

B.4.25.1 Daily Reports

Daily Trial-Balance sheet

Cash / Scroll Book

Trial Day Book

Final Day Book

General Ledger Balances Statement

Long Books

Exceptional Transactions


with the switch providing

Enquiry

withdraw

Statement

Deposit

Deposit

Book Request

Statement Request

Transfer (Across branches

Bank’s Network)

Payment ( In the

Interface

Interface

Inclusion Interface

Book Module

Statement

31

Core Banking

B.4.25.2 Miscellaneous Reports

• Business Ratios

• General Ledger

• General Ledger Progressive

• Clearing Report for Imp

Heads

• Half-yearly interest payable

Office/Receivable from

• Detailed Reports for GL

• Profit/Loss vouchers along

supplementary daybook

B.4.25.3 Control Reports

• Cheques stopped/revoked

• Cheque books issued

• Standing instructions

• Dormant accounts having

• Saving account with debit

• Accounts with caution

• Accounts with balance

• Balance book for any

• Saving accounts where

• Saving accounts not operative

date.

• Accounts transferred

operative

B.4.25.4 Letters

• Letter to customer mentioning

payment request received.

• Letter to Minor at attaining


Progressive

Imp-rest / Internal

payable to Head

from Head Office.

GL Heads

along with

daybook

stopped/revoked

entered

having transactions

debit balance

caution added/removed

balance between given limits

previous Date.

where overdraft allowed.

operative since some

from in-operative to

mentioning stop

received.

attaining Majority

32

Core Banking

• Letter to customer regarding

transactions

• Letter of thanks to introducer

• Letter of intimation to

• General purpose letter

B.4.25.5 Special Features

• User definable Exception

• The Branch can control

report.

• Ease of Creation of GL

heads up to any level.

• Fully parameterized Heads.

• Status of Assets, Income.

Liability of any date is

B.4.26 Customers Accounts Module


* Statement of Account

* Passbook

* Daily overdraft interest

* List of Account Numbers

* List of external standing

executed

* List of internal standing

executed


executed

B.4.26.2 Control Reports

* Cheques stopped/revoked

* Cheque books issued

* Standing instructions


regarding today’s

introducer

to new account holder.

letter

Exception limits.

control printing of weekly

GL Head and Sub GL

level.

Heads.

Income. Expenditure &

is available.

Module covering Saving Bank, Current Accounts etc.

Account

interest on Saving account

Numbers and Balances

standing instructions


standing instructions not

stopped/revoked

entered

33

Core Banking

* Dormant accounts having

* Saving account with debit

* Accounts with caution

* Accounts with balance

* Balance book for any

* Saving accounts where

* Saving accounts not

date.

* Accounts transferred

operative

B.4.26.3 Letters

* Letter to customer


* Letter to Minor at attaining


transactions

* Letter of thanks to introducer

* Letter of intimation to

* General purpose letter


* Account opening and

* Accounts with Name

* Accounts transferred

Inoperative

* Inoperative charges applied

* Inoperative charges not

* Quarterly overdraft

account

* Half-yearly saving accounts


having transactions

debit balance



previous Date.

where overdraft allowed.

operative since some

transferred from in-operative to

customer mentioning stop

received.

attaining Majority

customer regarding today’s

introducer


and closing

and Latest balance.

transferred from Operative to

applied

not applied

overdraft interest on saving

accounts interest applied

34

Core Banking

* Accounts having balance

* Half-yearly minimum

applied

* Half-yearly service charges

* Half-yearly service charges

* Half-yearly ledger folio

* Half-yearly ledger folio

* Reports showing current

balance

* Reports showing details

Interest

B.4.26 .5 Special Features

* User-definable minimum

* Provision of passbook

of account

* User-definable service

* User-definable ledger

* User-definable inoperative

* User-definable inoperative

of its application

* User-definable dormant

its application

* Four types of standing

(External, Internal, Fixed

* Issue of DD/PO/MT/TT

Standing instruction

Remittances Issue Module.

* Standing Instructions

of day as well as at any


balance within given range

minimum balance charges not

charges applied.

charges not applied

folio charges applied

folio charges not applied

current account with debit

details of Suspended

minimum balance charges

passbook as well as statement

service charges

ledger folio charges

inoperative charges

inoperative period and time

dormant period and time of


Fixed and Variable)

DD/PO/MT/TT for external

instruction linked with

Module.

Instructions are executed at start

any time during the day.

35

Core Banking

* User-definable Interest

* User-definable account

application of various

* User-definable rounding

rounding type

* User-definable of posting

saving accounts

* Unlimited cheque books

customer

* Facility for issue of

issued to a customer


customer

* Customer ID is allotted

avoid redundancy of information.

* Maximum parameterization

introduced in the bank.

* Signature storage of main

account holders.

B.4.27 Cash Credit Accounts and


* Statement of Account

* Daily overdraft interest

Interest Accrued.

* List of Account Numbers

* List of external

executed

* List of internal

executed


executed

* List of New A/c opened


Interest rate categories

account categories for

various charges

rounding of Interest and

posting of interest in

books can be issued to a

cheque books to be

of loose cheque to a

allotted to each customer to

information.

parameterization of any product

bank.

main as well as all joint

and Current Accounts with overdraft Facility.

Account

interest or Cash Credit

Numbers and Balances



standing instructions not

opened

36

Core Banking

B.4.27 .2Control Reports

* Cheques stopped/revoked

* Cheque books issued

* Standing instructions

* Accounts with caution

* Accounts with changed

Limit.

* History of change in

of customer.

* Accounts with balance

* Balance book for any

* List of A/c did not have

from a particular period.

B.4.27.3 Letters




the credit/overdraft limit.

* Letter to customer for

* Letter of thanks to customer

* Letter of intimation to

* General purpose letter


* Account opening and

* Accounts with Name

* Quarterly overdraft interest

* Quarterly interest on


stopped/revoked

entered


changed Credit/ Over Draft

limits credit /overdraft


previous Date.

have credit transactions

period.

customer mentioning stop

received.

regarding its crossing

limit.

for renewal of Limit.

customer


letter

and closing

and Latest balance.

interest on account

Cash Credit accounts.

37

Core Banking

* Half-yearly minimum

applied

* Reports showing CC

balance

* OD/DP Limits History

* Report showing CC

stock statement has not

* Party Ledger

* Reports showing details

Interest

* List of NPA accounts

* Monitoring reports for

* Monitoring reports for

* Monitoring Report for

* Monitoring report for

B.4.27.5 Special Features

* User-definable service

* User-definable any other

* User-definable period

stock statement for CC

* User-definable NPA period

* Minimum interest facility

accounts

* Four types of standing

(External, Internal, Fixed

* Issue of DD/PO/MT/TT

Standing instruction

Remittances Issue Module.


of day as well as at any


minimum balance charges not

CC accounts with Credit

for given period

Accounts from whom

not been received.

details of Suspended

for Insurance

for Security Documents

for Financial Papers

for Renewal

service charges

other charges

period for submission of

CC accounts

period

facility for CA/CAOD/CC


Fixed and Variable)

DD/PO/MT/TT for external

instruction linked with

Module.

Instructions are executed at start

any time during the day.

38

Core Banking

* User-definable Interest

* User-definable account

application of various

* User-definable rounding

rounding type

* Slab-wise interest application

accounts


customer

* Customer ID is allotted

avoid redundancy of information

* Maximum parameterization

introduced in the bank.

* Signature storage of main

account holders.

B.5Draft Payable Module

B.5.1 Daily Reports

* Outstanding Draft

* Outstanding DP entries

* Duplicate yearly Serial

B.5.2 Miscellaneous Reports

* Ledger for DP entries

* Caution marked Drafts

* Draft stationary issued

* Report enabling forcible


Interest rate categories

account categories for

various charges

rounding of Interest and

application for CC/CAOD

of loose cheque to a

allotted to each customer to

information

parameterization of any product

bank.

main as well as all joint

Draft Payables entries

entries

Serial Number entries

entries

Drafts

issued by Head Office

forcible matching

39

Core Banking

B. 5.3 Special Features

* Parameterized maximum

cash payment of Draft

* Parameterized period

Drafts

* Parameterized minimum

which advice will

* Facility for partial/

amount in some account

* Support statement

matching

B.6Recurring Deposits Module

B. 6.1 REPORTS

* Scheme-wise Account

* Report showing overdue


* Balances Book

* Account Opening/Closing

* Interest Applied on

* Quarterly Interest

* Customers with

certain limits

* Due Date Diary

* Penalties applied

* Account opening

* Interest Statement

* Installments due

* Installments not paid


maximum amount for

Draft

period for Unclaimed

minimum amount below

not be received

partial/ full transfer of

account

statement for forcible

Account Register

overdue RDs

Instructions Register

Opening/Closing

on RDs.

Interest Applied on RDs

with balance between

on the A/c

and closing statement

Statement

statement

paid

40

Core Banking

* Irregular Accounts

* Passbook

* Ledger

B.6.2 Letters

* Letter regarding

customer.

* Letter to Minor

attaining Majority.

* Letters for RD maturity

B.6.3 Special Features

* User- definable Interest

* User definable penalties

parameters.

* Complete parameterization

/old product

B.7Fixed Deposit Modules

B.7.1.Reports

* Fixed Deposit Receipt

stationary

* Deposit Serial-wise

* Scheme-wise Account

* Report showing overdue


* Account Wise Balances

* Account Opening/Closing

* FDRs in safe custody

* FDRs renewed automatically


Accounts

regarding Thanks to the

Minor Account Holder at

Majority.

maturity automatically.

Interest Rates.

penalties based on the

parameterization of any new

Receipt on pre-printed

wise register

Account Register

overdue FDRs

Instructions Register

Balances

Opening/Closing

custody

automatically

41

Core Banking

* Monthly interest

FDRs

* Quarterly Interest

* Customers with

certain limits

* Due Date Diary

* Receipt Wise Balances

* Receipt Wise Tax

(TDS)

* FDRs for whom Interest

modified from Back

B.7.2 Letters

* Letter regarding

FDR

* Letter to Minor

attaining Majority

* Letters for FDR’s renewed


* Calculation of TDS

* Facility of renewal

date

* Standing Instruction

External) for payment

interest on ordinary

* User definable interest

* Provision of modification

Interest an already

the period specified

reaching of office

* User definable period

B.8Cash/ Safe / Teller Operations


interest Applied on ordinary

Interest Applied on FDRs

with balance between

Balances

Tax Deducted at source

Interest rate has been

Back Date

Automatic Renewal of

Minor Account Holder at

Majority

renewed automatically

TDS

renewal of FDR from back

Instruction (both Internal &

payment of periodic

ordinary FDRs

interest rate categories

modification of Rate and

already issued FDR during

specified due to delay in

office circular

period for overdue FDRs

Operations Module

42

Core Banking

B.8.1 Daily Reports

* Cash in Safe

* Details of operations

Cashier/ Head-Cashier/

* Cashier-wise cash equation

* Cashier-wise cash

* Cash--scroll


* User definable

future currency denominations

* Cashier wise cash

Head cashier

B.8.3.Lockers Reports

* Locker operated

* Account opened

* Account Closed

* Locker Ledger

* Locker Charges Register

* Locker Charges due

* Inactive Locker statement


* Defining Locker Charges

* Availability of any

required for locker

recovery of locker

B.9 Remittances (DD/PO/MT) Issue

B.9.1 Daily Reports

* Draft/ Pay order

stationary


operations of cash among

Cashier/ Safe / Teller

equation

cash in hand

currency notes for

denominations

cash status available with

Register

due statement

statement

Charges

any other Parameters

locker allotment and

locker charges

Issue Module

order on pre printed

43

Core Banking

* Daily draft register

* Branch wise drafts

* Daily control information

* Branch-wise Advices

* Exchange Report

* Last Yearly Serial

* Drafts issued on

with a specific range

* Duplicate drafts

* Cancelled drafts

* Revalidated drafts

* Lost marked drafts

* List of MT’s issued

* List of TT’s issued


* Parameterized maximum

draft against cash

* Draft amount can

be transferred from

* User definable static

issue of drafts

* Provision for Pay

and Telegraphic Transfer

* User definable text

order

B.10 Clearing House (Outward/Inward)

B.10.1 Daily Reports

* Outward clearing

* Inward clearing register

* Bank-wise outward


register

drafts issued

information

Advices

Number of Branches

on a particular branch

range of amount

drafts

drafts

issued

issued

maximum amount for

cash payment

can be paid in cash or can

from account or both

static details for multiple

Pay order, Mail Transfer

Transfer

text for printing on pay

(Outward/Inward) Module – MICR Clearing

clearing register

register

outward clearing schedule

44

Core Banking

* Bank-wise inward

* List of instruments

* List of Instruments

(Outward clearing)


clearing)


* Outward clearing

* Debt note Receivable/

B.10.2 Letters


instrument returned


instrument rejected

* Pending Debt Note

Entries


* Multiple Clearing

* MICR Clearing

* Provisions for excluding

branches of a Bank

* Provisions for excluding

banks

* User definable

Unpaid Charges

* User definable Reasons

B.11 Branch Reconciliation System

Inter Branch Reconciliation System

Reconciliation between branches


inward clearing summary

instruments pending for clearing

Instruments returned unpaid

clearing)

instruments rejected (Inward

instruments received

clearing position in an account

Receivable/ Payable List

customer informing about

returned unpaid (Outward)

customer informing about

rejected (Inward)

Note Receivable/ Payable

Clearing Zones

excluding one/ few / all

Bank

excluding one/ few / all

Clearing, Returned

Reasons

System

System

branches and Head offices

45

Core Banking

B.12 Loan Accounting System

Reports

• Balance Book

• Statement of A/c

• Ledgers

• Long Books

• Monthly Loan Deductions

• Employees Installment wise

• Pending Loans detail

• Loans with only one installment

• List of employees whose

month.

B.12.1 Miscellaneous Reports

• Account opening

• Accounts with

balance.

• Quarterly interest

• List of NPA accounts

• Detail Listing of the

loan.

• Monitoring reports

• Monitoring reports

Documents

• Monitoring Report

• Monitoring report

B.12.2 Letters

• Letter of due

customer.

• Letter to

payment of installment.


System – Customer / Staff

Deductions Detail

wise detail

installment pending

recovery will start next

and closing

Name and Latest

interest on accounts.

accounts

the sanctioning of each

reports for Insurance

reports for Security

Report for Financial Papers

report for Renewal

due installment to the

customer for non-

installment.

46

Core Banking


• Complete history

Loan Account with

details.

• Complete Parameterization

products of the loan

• Easy creation/implementation

new product for loans.

• Instruction (both

for each account.

• User definable interest

• User definable period

B.12.4 Features

• Availability of

Capturing for all the

• Quick retrieval

Photographs.

B.13 Signature/ Photograph Capturing

B.14 Credit Card

• Loan Ledger

• Issue & Recovery

• Minimum Involvement

• Demand Collection

• Crop-wise Collection

• Report for loan

beneficiaries under KCC

• Credit / Debit

• Report of branches

disbursement


history of Sanction of each

with all the relevant

Parameterization of all the

loan system.

creation/implementation of any

loans.

(both Internal & External)

account.

interest rate categories.

period for overdue FDRs

Signature/Photograph

the modules.

retrieval of Signatures /

Capturing & Display

Recovery Statement

Involvement Report

Collection Statement

Collection Statement

loan disbursed to SC/ST

KCC – Quarterly

Debit Advices Report

branches / PACS for loan

47

Core Banking

• Report for number

limit sanctioned /

Outstanding balances

in terms of small /

farmers –

• Eligible member

issued with respective

• Loan advanced

• Loan outstanding

• Overdue as on

• Conversion from

number of cases, amount

B.15 Share

• Dividend Payment

• Dividend Advise Report

• Share Certificate

• Unclaimed Dividend

B.16 Investments

• Capturing of Investment

• Pledging Details

• Redemption Details

• Interest Calculation

• Maturity Date Report

• Security Ledgers

• Due Date Register

• Report on investment

Market

Types of Investment - Investment

Security, Term Deposits, Shares,

Short, Other are provided in


number of KCC issued,

/ loan advanced /

balances / un renewed KCC

/ Marginal and other

member to whom KCC

respective targets.

advanced as on any date

outstanding as on any date

on any date

from ST to MT loans –

amount etc.

Payment Report

Report

Registry

Dividend Report

Investment Notes

Details

Calculation Register

Report

Register

investment in Call Money

Investment in Government

Shares, Shares, Call and

Software.

48

Core Banking

Account Maintenance -

maintenance is based on Scheme

relations. Account wise Operator

Selection, Investment

amount/Period/ROI, Broker

institution details.

Calculations & postings -

Interest Calculation, Interest

Interest maintenance and posting,

provision calculation, Profit/

on sale purchase, Amortization,

depreciation calculation.

Security Types - Bonds of PSUs/All

Institution, Central & State

Security, Treasury Bill, Equities

Fund, Share of All India Institutions

Institutions etc.

Transactions - Security Trading

Rate Updation, Interest receivable

brokerage posting etc.

B.17 Borrowings

• Direct Borrowing

• Rupayment of Principle

• Interest Calculation

• Generation of Borrowing

due date diary

• Monitoring of Reliance

• Consolidation of GL

B.18 NET Banking

• To develop a secure

where complaints

the status of the complaints

other public related

ascertained. To install


Investment account

Scheme and Product (GL)

Operator details, Scheme

details like

Broker Master, Invested

- Coupon frequency,

Interest provision, Receivable

posting, NPA Class and

Loss calculation based

Amortization, appreciation

PSUs/All India Financial

State Government Dated

Equities and Units of Mutual

Institutions and Cooperative

Trading Transaction, Market

receivable transaction,

Withdrawal

Principle & Interest

Calculation

Borrowing Ledger and

Reliance

GL at Head Office

secure public interface

mplaints can be lodged and

complaints as well as

related services

install and configure the

49

Core Banking

software utilities

external emailing,

• Interactive, GUI

(using IP Sec Security)

site of the bank

speed that has the

• Complete information

their branches.

• News updates of the

B.19 General information such

• How to open different

• Rates of interest

Loan Schemes.

• Different type of

• Current Exchange

• Information regarding

introduced by the

• A fully secured Login

Customer to avail the

• Password change.

• Customer can

along with their details.

• Latest Balance

the A/c’s of the customer.

• Transaction Statement

• Request for new

• Renewal of FDRs

• Cheque Status.

• Standing Instruction

• Funds Transfer


for internal and

emailing, chat etc.

based fully secured

Security) and User-friendly

bank with fast retrieval

the following features.

information about the BANK and

bank.

such as.

different type of A/c’s

for different deposits /

Loans

Exchange Rates

regarding any new Scheme

the bank.

Login option for the

the following facilities.

change.

can view all type of A/c’s

details.

Balance information for all

customer.

Statement for a period.

new FDRs

FDRs

Status.

Instruction

Transfer Instruction.

50

Core Banking

• Issue of Demand

• Issue of new Cheque

• Stop /Revoke

B.20 Reports -

B.20.1 List Of Required Reports

• Trial Balance

• Trial Balance

• Balance Sheet

• Profit And Loss

• Fixed Batch Transaction

• Statement Of

• Cash Book Tally

• Batch Detail Report

• Trial Balance

• GL-PL Difference

• Cash Book / Day

B.20.2 Book Reports

• Cheque Book

• Stop Payment

• Special Inst. Book

• Standing Order

• Non Execution

• Overdraft Detail

• Deposit Renewal

• Loan Renewal

• Date Wise Lien

• Branch-wise Summary


Demand Draft

Cheque Book

/Revoke Cheque.

in CBS

In Other Language

Sheet

Loss

Transaction Report

Of Profit And Loss

Tally Option Report

Report

And Balance Sheet

Difference

Day Book

Book Register

Payment Book Register

Book Register

Order Execution Register

ion Instruction Register

Detail Report

Renewal Register

Renewal Register

Lien Register

Summary Report

51

Core Banking

• Supplementary

• User List

• Supplementa

• GL Wise Daybook

• Charges Register

• Voucher Register

• Voucher Print

• Un-pass Report

B.20.3 Master Register

• Customer With

• Account Status

• Account Status

• A/C Open Close

• A/C Open Close

• Mode-log Register

• Deposit Loan

• All Operation

B.20.4 Balance Reports

• Yearly Balancing

• New Loan Statement

• Account Detail

• Nil Balance Report

• General Ledger

• Statement Of

B.20.5 Deposit Report

• Recurring Depo

Statement

• Deposit Position

• Deposits Progressive


Supplementary Day Book

ary

Daybook Report

Register

Register

Print

Report

With No A/C

Status Change Report

Status History

Close Detail Register

Close Summary

Register

Master Detail Report

Operation Register

Balancing Report

atement Of Account

Detail Balancing

Report

dger Statement

Of Account

Deposit Overdue

Position Report

Progressive Report

52

Core Banking

• Deposit Withdrawal

• Renewal Register

• All Code Wise

• Interest-wise

• Deposit Comparative

Report

• Payable Statement

• CTR Report

• Description Of

Individuals

• Deposit Detail

• Nominee Register

• Fixed Deposit

• Deposit Maturity

B.20.6 Loan Reports

• Guarantor Detail

• Disbursement

• Insurance Detail

• Over-limit Statement

• Guarantor Information

• Borrower Details

• Ornament Report

• RBI All Code Wise

• Loan Comparative

• Gold Verification

• Loan Against

• Sanction Type

• Interest Wise

• Branch Level


Withdrawal Renewal

Register

Wise Deposit Reports

wise Deposit Report

Comparative Statement

Statement

Of Deposit Of

Detail Report

Register

Deposit Report

Maturity And Lien Report

Detail Report

Disbursement Details

Detail Report

Statement Report

Information

Details Report

Report

Wise Report

Comparative Statement.

Verification Report

Security

Type Wise Report

Wise Loan Report

Loan Sanction Report

53

Core Banking

• Description Of

• Turn Over Report

• Receivable Statement

• Employee Loan

• Director Relative

• Loan Due Date

• Loan Recovery

• Renewal Details

• Loan Sanction/Disbursement

• Interest Receivable

• Sanction Detail

• Gold Loan Detail

• Code Wise Detail

• Code Wise Summary

• Area Wise Loan

• Insurance Due

• SLBC Statement

• Turnover Stat

• Loan Interest

• Account-wise

• Classification

• A/C Wise Sanction

• Purpose-wise

B.20.7 Other Reports

• Functional

• Operator


Of Interest Receivable

Report

Statement

Loan Statement

Relative Report

Date Register

Recovery Statement

Details

Sanction/Disbursement Cases

Receivable Report

Detail Report

Detail Report

Detail Report

Summary Report

Loan Report

Due Date Register

Statement Report

Statement

Interest Recovery Statement

wise Code Details

Of Loan

Sanction Details

wise Classification Of Loan

Functional Master Reports

Operator Detail Report

54

Core Banking

• Percentage

Report

• Top List Register

• M.I.S. Statement

• Cash Transaction

• Friday Report

• Average Deposit

• D.I.C.G.C.

• Stock Statement

• Customer

Report

• Gender Wise

• Batch Wise

• Classification

Deposit

• Branch Target

• Restricted

• Investment

B.20.8 Shares Reports

• Dividend

• Nominal Member

• Member

• J Register

• Member

• I Register

B.20.9 Exception Register

• Error Log Report

• Deleted Entries


age-wise Transaction

Register

Statement

Transaction Above Limit

Report

Deposit Report

D.I.C.G.C. Report

Statement Report

Customer-wise Guarantor

Wise Report

Wise Service Tax Report

Classification Of Loan And

Target Status Position

Restricted Customers Report

Investment Account Detail

Balancing

Member Reports

Register Report

Register

Balance Report

Register

Report

Entries Report

55

Core Banking

• Transaction Exception

• Modification

B.20.10 User Wise Report

• Menu Log Details

• User-wise Log

• User Wise Menu

• User-wise Transaction

• User Lock Details

• User Wise Entry/Passing

B.20.11 Overdue Report

• Abstract Of Overdue

• GL Wise Abstract

• Department-wise

• Monthly Overdue

• Overdue Recovery

• Office Demand

• Overdue Recovery

• Overdue Details

• Installment Due

B.20.12 NPA Reports

• Monthly Receivable

• OTS Report

• NPA Statement

• NPA Recovery

• NPA Classification

Non Priority Sector

• NPA Classifica

• NPA Detail Report

• Overdue NPA


Exception

Detail Report

Details Report

Log Details

Menu Rights Report

Transaction Report

Details Report

Entry/Passing Register

Overdue Report

Abstract

wise Overdue Report

Overdue Report

Recovery Report

Demand List

Recovery RRC Wise

Details

Due Register

Receivable Recovery

Statement Number - 3

Recovery

Classification Under Priority &

Sector

Classification Provision

Report

NPA Details

56

Core Banking

• NPA Statement

• Annual NPA Report

B.20.13 OSS Reports

• Movement of

Receivable

• Oss Statement

Sector

• Oss Classification

Advances Gross

• Asset Quality

Ratio

• OSS Statement

• OSS Statement

• OSS Statement

• Statement On

• OSS Top 50 Standard

All OSS Reports to be specified.

B.20.14 Reconciliation Reports

• Reconcile Entries

• Reconciliation

• Reconciliation

• Reconciliation

• Reconciliation

B.20.15 Payroll Reports

• Income Tax Report

• Earning Deduction

• Employee List

• Salary Abstract

• Salary Advice

• Increment Letter


ment Number - 4

Report

of NPA Interest

Statement Of Advance Real

Classification Of Loan And

Gross Report

Quality - Sectoral Quality

Statement – V

Statement – IV

Statement Of Large Exposure

On Asset Quality

Standard Account

Reports

Entries Report

Reconciliation Pending Register

Reconciliation Register

Reconciliation Report

Reconciliation Statement

Report

Deduction Statement

List Basic

Abstract

Advice Printing

Letter

57

Core Banking

• Encashment Letter

• Pay Slip

• Salary Post Status

• DA Slab Report

• Employee Register

• Leave Reports

• Employee Salary

• Salary Certificate

• Consolidate Salary

• Salary Comparis

• PF Reports

• Income Tax Calculations,

Printing etc…

• Advice Printing

• PF Bifurcation

B.20.16 Stock Reports

• Purchase Order

• DM Report

• Stock Advice

• Dead Stock Item

• Inventory Stock

• Temporary Stock

• AMC Reports

B.20.17 Locker Report

• Locker Used Register

• Locker Account

• Locker Master


Letter

Status Report

Report

Register

Reports

Salary And Head Details

Certificate

Salary Register

Comparison Register

Calculations, Form 16

etc…

Printing

Bifurcation Report

Order Details Report

Printing

Item Reports

Stock Item Reports

Stock Item Reports

Reports

Register Report

Account Register Report

Master Report

58

Core Banking

• Locker Member

• Locker Status

B.20.18 Court Report

• Advocate Case

The bidder is required to furnish

and every functionality mentioned

customized or Not available at all.

offerings

Detailed Functional Specifications

Requirement

A. Customer Master Information

of RBI

1. System will capture entire KYC

( including old accounts) at time

establishing a relationship with

requirements guidelines of RBI

2. System has the facility to

impression of the customer

3. System tracks change in signature

marking.

4. System tracks on Enforcement

photo when minor become major

5. System has facility to capture

6. System allows Minority classification

same.

7. System has separate fields for

Name and Last Name eg. Vanitha

(Middle Name) Reddy (Last Name)


Member Address List

Status Wise History Report

Case Details Report

Annexure 6

a detailed functional specification as per given below format

mentioned –whether available as a standard feature, optional

all. The bidder can add additional features/functionality

Specifications

Available as

Standard,

Optional or

Customized

Not

Information as per UCIC Guidelines

KYC information

time of account opening or when

with a customer as per UCIC

to capture Signature / Thumb

signature along with effective period

Enforcement of signature / thumb as well as

major

capture Photo of the customer.

classification and details regarding the

for capturing First Name, Middle

Vanitha(First Name) Venugopal

Name)

59

format for each

optional feature, to be

ality as per their

Not Available

Core Banking

8. System has separate fields

separate fields for Husband-Name,

9. System captures Indicators for

10. For non-individual customer,

constitution (e.g. Partnership, Pvt.

11. Other details like Gender (M/F/MINOR...)

12. Capture of Micro Finance member

13. Capture of Customer Family Details

14. Customer Accounts Mapping

15. APBS Mandate Capture

16. Center Related: Funding Agency

17. Group and Member related:

to Group, Member Cancellation

B. Branch Operations

Savings, Pigmy, Current, Individual

Deposits

Master Information

1. System facilitates Addition

effective period marking

2. System allows Addition & removal

period marking

3. Introducer details can be captured

whether Introducer is account holder

4. System will do Minority classification

5. Debit authorization / mandate

effective period marking is available.

6. Flexi deposit module is part

Indicator of Flexi Deposit Conversion

7. There is Indication in the system


in case of women, additional

Name, Husband-Family-Name

for Nationality, NRE / NRO

customer, system has field to store

Pvt. Ltd., Trust, Society etc.)

(M/F/MINOR...) can be captured

member details

Details

Agency Details and Center Master

Group Master, Adding member

and Group withdrawal

Individual Loan, Group Loan and Term

Addition & removal of holders with

removal of nominee with effective

captured in the system including

holder or share holder etc

classification based on first holder

mandate for ECS & EFT along with

available.

part of the software. Appropriate

Conversion is available

system for NRE / NRO account

60

Core Banking

8. System tracks complete details

account along with effective period

reissued cards

Transactions

1. Cash Deposit Facility

2. Cash withdrawal (not below minimum

3. Clearing Cheque Deposit Facility

4. Under Clearing cheque deposit,

collection of OBC cheques. When

relevant details are inherited from

can enter Clearing Bank & Branch.

the OBC is also released (however,

5. Clearing Cheque payment Facility

6. Branch Transfer Cheque deposit

7. Branch Transfer Cheque payment

8. Internal Transfer Cheque deposit

9. Internal Transfer Cheque payment

10. Alert for KYC update in case of

Cheque book

1. Facility to issue new Cheque book

2. Stop payment Facility

3. Facility to Revoke stop payment

4. Facility to surrender unused Cheques

closure

Pass book

1. Issue new pass book Facility

2. Facility to issue duplicate pass

3. Pass book printing

Operating Instruction

1. Entry at the time of account opening

2. Ability to Change instructions

marking


details of all ATM cards issued in the

period marking including lost &

minimum balance) Facility

Facility

deposit, a facility for special entry for

When given the OBC number,

from respective branch data. User

Branch. Upon release of O/W Clearing

(however, officer has to pass the entry)

Facility

deposit Facility

payment facility

deposit facility

payment facility

of KYC pending accounts

book

payment

Cheques at the time of account

pass book

opening

instructions along with effective period

61

Core Banking

3. Freezing & Unfreezing of Account

4. System has facility to give

instruction

5. Debit freeze marking. No debit

6. Balance freeze facility is available

limit + min-balance + pending charges)

7. Total freeze Marking available

8. For each freeze instruction:

effective from date can be recorded.

9. For each unfreeze instruction:

is captured

10. Standing Instructions

11. User can transfer funds to

effective period

12. Facility to highlight pending

13. System has facility to debit

immediately when clear balance

Flexi deposit

1. System has ability to swap

parameter settings

2. Withdraw flexi deposit facility

3. Statement of flexi deposit (ledger)

Charges Application Available in

1. Cheque return charges

2. Minimum balance charges

3. Duplicate pass book charges

4. Stop payment charges

5. Additional Cheque book charges

6. Signature attestation charges

7. Against clearing charges

8. BCTT charges shown right at

debited along with transaction


Account

give multiple freeze / unfreeze

debit will be allowed in the account

available i.e., debit below (frozen

charges) not allowed

available in the system

instruction: type of freeze, reason and

recorded.

instruction: reason and effective from date

to specific account along with

KYC information pending.

All pending / accrued charges

is maintained

swap to flexi deposit based on

facility

(ledger)

in the system

charges

at the time of transaction and

62

Core Banking

9. ABB Cheque book charges

10. System has the ability, if required,

signatures & photographs are scanned

In-operative Account

1. Auto mark as in-operative as per

2. Movement from inoperative

versa

Interest application

1. Periodic interest application facility

2. Interest calculation at the time

calculated interest

3. Interest provision calculation

closing

Current Account

Master Information

1. Industry Classification

2. Addition / removal of holders

marking

3. Addition / removal of nominee

marking



5. Complete details of all ATM cards

period marking including lost & reissued

Credit Limits

1. Overdraft against Fixed Deposit,

2. System has option to select

calculation method in case of multiple

3. Individual FDR ROI + set parameter

4. Weighted average ROI of FDR

5. Overdraft against Stock / debtor


required, to restrict day-end until

scanned and authorized.

per set parameters

to operative account and vice

facility as per RBI guidelines.

time of closure with auto-posting of

calculation for the purpose of periodic

holders along with effective period

nominee along with effective period


cards issued along with effective

reissued ATM cards

Deposit, LIC, NSC, KVP etc.

one of following the interest

multiple FDOD in the same account

parameter

debtor list / Property

63

Core Banking

6. Clean Overdraft (Seasonal overdraft)

7. Account can have multiple credit

8.Indication for third-party overdraft

9. Stock statement / Debtor list

10. Entry / Modification along with

11. Stock statement / debtor list

month. Provision for penal charges

12. Update Drawing Power as per

13. Complete history of insurance

Transactions

1. Cash deposit facility

2. Cash withdrawal (not below minimum

3. Clearing Cheque deposit facility

4. Clearing Cheque payment facility





9. Maintain status & Alert for

accounts

Cheque book

1. Issue new Cheque book facility

2. Stop payment facility

3. Revoke stop payment facility

4. Surrender unused Cheques at

Statement of account

1. Monthly statement /Date Range

2. Duplicate statement



overdraft)

credit limits

overdraft

with history

list submitted before 10th

of every

charges in case of late submission.

per stock value or debtor list

insurance details

minimum balance)

facility

facility

deposit facility

payment facility

deposit facility

payment facility

for KYC update in KYC pending

facility

the time of account closure

Range Statement

64

Core Banking


2. Change in instruction along with


4. Allow multiple freeze / unfreeze

5. Debit freeze marking. No debits

6. Balance freeze marking i.e.,

balance + pending charges) not allowed

7. Total freeze marking. No customer


effective from date can be recorded


can be captured and validated.

Standing Instructions

1. Account to Account transfer of

period

2. All pending / accrued charges

clear balance is maintained

3. Alerts

4. Reminder for Repayment of credit

Charges Application

1. Cheque book issue charges (MICR

2. Cheque return charges application

3. Minimum balance charges application

4. Duplicate statement charges application

5. Stop payment charges application



8. Against clearing charges application


opening

with effective period marking

Account

unfreeze instruction

debits will be allowed in the account

debit below (frozen limit + min-

allowed

customer transaction will be allowed.


recorded


of funds with marking of effective

charges debited immediately when

credit limit x days in advance

(MICR Charges)

application

application

application

application

charges application

application

application

65

Core Banking

9. BCTT charges shown at the time

along with transaction

10. Folio charges application

11. Ability, if required, to Restrict

photographs are scanned and authorized

12. In-operative Account

13. Auto mark as in-operative as

14. Change to operative by Officer

15. PA account

16. Allot each PA account to individual

NPA Account

1. Listing of slippage accounts (Indicative

2. Allot each NPA account to individual

3. Balance bifurcation as principle,

4. Suite Filed Information

5. Ability to Inherit suite filed

Module

6. Interest application

7. Monthly interest application (Including

Stock Statement Submission Charge


automatic posting of calculated

Interest, Late pay interest & Late

charges)

Pigmy Deposit

1. Account Opening and Allotment

2. Sheets & receipts, issue/surrender

3. Scheme wise slab wise commission

Commission parameter, account

4. Agency Termination; Renewal


time of transaction and debited at

Restrict day-end until signatures &

authorized

as per set parameters

Officer involvement

individual employee

(Indicative NPA)

individual employee

principle, interest, penal, charges/ETC

filed information from Recovery

(Including Late Pay Interest , Late

Charge )

time of closure of account with

interest ( Including Pre-Closure

Late stock statement submission

Allotment of accounts to Agent

issue/surrender

commission calculation, entry,

transfer

and A/c Closing

66

Core Banking

Master Information

1. Industry Classification.

2. Addition / removal of holders

marking



4. Priority Sector classification

5. Minority classification based on

6. Stock Statement / Debtor List

7. Entry / Modification along with

8. Update Drawing Power as per

9. Submission of Stock statement

10th

of every month. Late submission

Credit Limits

1. In the system, account can have

with security details for each credit

record guarantor details for some

2. Cash Credit Limit Review and Renewal

3. Overdraft against Fixed Deposit,

4. Different methods of interest

FDOD in the same account



7. Overdraft against Stock / debtor

8. Clean Overdraft (Seasonal overdraft)

9. Indication for third-party overdraft

10. System can link with loan

information


Transactions Facility

1. Cash deposit


holders along with effective period


on first holder

with history

per stock value or debtor list

statement / debtor list submitted before

submission charges facility.

have multiple credit limits along

credit limit. There is facility to

some credit limits.

Renewal

Deposit, LIC, NSC, KVP etc.

interest calculation in case of multiple

parameter

FDR

debtor list / Property

overdraft)

overdraft

loan module for inheriting above

insurance details

67

Core Banking

2. Cash withdrawal not below minimum

3. Clearing Cheque deposit

4. Clearing Cheque payment





Cheque book

1. Facility to issue new Cheque book

2. Stop payment facility

3. Revoke stop payment facility

4. Facility to surrender unused

closure


1. Monthly statement / Date Range

2. Ability to issue Duplicate statements



2. Change in instruction along with



5. Debit freeze marking & maintenance

6. Balance freeze marking. Debit


7. Total freeze i.e., no customer




can be recorded and maintained.



minimum balance

deposit

payment

deposit

payment

book

unused cheques at the time of account

Range Statements

statements

opening

with marking of effective period

Account


maintenance

Debit below (frozen limit + min-

allowed

customer transaction allowed


recorded


maintained.

68

Core Banking

All pending / accrued charges debited

balance is maintained

Alerts

1. Reminder for Repayment of Interest

of debit

2. Reminder of Repayment of overdraft

3. Reminder for Renew / Review

4. Notice issue for irregularities

5. Reminder to pending KYC information

Charges Application

1. Cheque book issue charges (MICR


3. Duplicate statement charges

4. Stop payment charges


6. Signature attestation Charges

7. Against clearing charges

8. BCTT charges shown at the time

along with transaction

9. Folio charges application

10. Cheque book charges application

11. Processing charges (For Renewal

12. Late Stock statement charges

13. Insurance charges application

14. Notice charges application

15. Inspection charges application

16. System, if required, can restrict

photographs are scanned and authorized

In-operative Account

1. Auto mark as in-operative as per


debited immediately when clear

Interest within 10 days from date

overdraft limit 7 days in advance

Review one month in advance

information

(MICR Charges)

charges

Charges

time of transaction and debited

application

Renewal & Review of CC Limit)

charges

application

application

restrict day-end until signatures &

authorized

per set parameters

69

Core Banking

2. Change to operative by Officer

3. PA account


NPA Account

1. List of Slippage accounts (Indicative



4. Recovery Action Information

5. Inherit suite file information from

Interest Application


Stock Statement Submission Charge)

2. Interest not repaid within 10 working

is liable for Late pay interest calculation


automatic posting of calculated

Interest if applicable )

4. Interest rebate calculation and

Term Loan Account

Master Information

1. Account holders, Directors,

maintained

2. Priority Sector classification based


4. Industry classification

Credit Limits

1. Term Loan limit along with security

2. For loan against FDR, different

in case of multiple FDRs in the same


Officer involvement

individual employee

(Indicative NPA)

individual employee


from Recovery Module

(Including Late Pay Interest , Late

Charge)

working days from date of debit

calculation


calculated interest (Including Pre-Closure

and reporting

Directors, Guarantors information

based on first holder

on first holder

security details

different methods of interest calculation

same account

70

Core Banking



5. Linking with loan module for inheriting


Transactions

1. Disbursement of individual / Group

2. Cash deposit




Pass book

1. Issue Pass Book

2. Issue Duplicate Pass book

3. Print Pass Book

Alerts

1. Reminder for installment becoming

2. Reminder for overdue installment


4. KYC information pending for accounts

Charges Application

1. Duplicate statement charges

2. Notice charges

3. Processing charges (For Renewal

4. Insurance charges

5. Inspection charges

6. PA account



parameter

inheriting above information

insurance details

Group loan – at once or in stages

deposit

deposit

becoming due in x days advance

installment

accounts

Renewal & Review of CC Limit)

individual employee

71

Core Banking

NPA Account









automatic posting of calculated interest,

not get closed then further interest

the day next to last interest debit

Interest & Late pay interest)

3. Interest rebate calculation and

Other Functionalities Available

1. Automatic collection of installment

2. Linking with savings, current account

3. Linking with cash credit account

4. Advance Cheques of installments

5. Entry of advance Cheques /PDC

6. Send advance Cheques / PDCs

7. Entry of Cheques returned unpaid

Fixed Deposit

1. There are several types of FDRS

Deposit, Domestic). System has

configure different types of Deposit

2. Complete Master Information

3. Facility to define Multiple account

4. Facility to add nominee along


(Indicative NPA)

individual employee



(Including Late Pay Interest)


interest, in case the account did

interest calculation shall start from

debit date. (Including Pre-Closure

and reporting

installment

account

account

installments or PDC

/PDC ‘s received

PDCs for collection

unpaid

FDRS (NRI, Tax Saver, Locker, Bulk

has the ability to define and

Deposit products.

capture

account holders


72

Core Banking

5. Linking with Share Membership

6. Indication for NRE/NRO FD

7. Linking with Locker Module in

8. Calculation of loan-able amount.

AUTO RENEWAL

1. Marking Of Auto Renewal

2. Update Voucher

3. Printing of FDR's receipt

T D S

1. Forms entry, modification and

2. Forms authorization

3. TDS calculation – One FDR in

minor name with self as Guardian

both FDR shall be considered for

Customer Counseling

1. System can calculate & display

period, what will be the maturity


what will be the principal

3. System can calculate & calculate

monthly (quarterly or half yearly)

principal

Transactions

1. Cash deposit

2. Cash withdrawal on maturity not




6. Payment by Internal Transfer

Loan etc.)


1. At the time of FDR opening


Membership

in case of Locker FD

amount.

and its history

in own name and Second FDR in

Guardian (Second holder) – in such case

TDS

display ; Given the amount and

maturity

display Given the period and maturity,

calculate Given the period and

yearly) income, what will be the

not exceeding set parameter

deposit

deposit

Transfer (to Pay slip, Savings, Current,

73

Core Banking



4. Debit freeze marking

5. Balance freeze i.e., debit below

+ pending charges) not allowed




can be recorded

Lien Marking / Unmarking of FDR

1. Entry, modification with effective

2. Authorization

3. Linking of lien against advances

Alerts

1. Indication for TDS deduction applicable

2. Intimation of FDR maturity x days


1. Transfer of fund (periodic income

maturity) to specific account with

2. KYC information pending for old

3. All pending / accrued charges

time of maturity payment

Charges Application


2. Restrict day-end until signatures

and authorized


1. Interest transfer to specific account

2. Quarterly interest application


automatic posting of calculated interest

pre-mature closure


Account


below (frozen limit + min-balance


recorded


FDR


advances account

applicable

days in advance as required

income and/or at the time of

with history

old account

charges deducted from maturity at the

charges


account

/ provision


interest with due care in case of

74

Core Banking

4. Calculation of interest provision

FDR

Other

1. History of Interest Rate on all types

2. Printing of duplicate FD Receipt

3. History of duplicate Receipts

RECURRING ACCOUNT

Master Information

1 Addition / removal of account

period


marking


Transactions

1. Cash deposit

2. Cash withdrawal not exceeding


4. Clearing Cheque payment (Cheque




8. Internal Transfer payment

Pass book

1. Issue new pass book

2. Issue duplicate pass book

3. Pass book printing


1. Entry for first time

2. Lien marking / unmarking

3. Entry, modification with effective


provision on FDR till today for given

types of FDRs

Receipt

account holder along with effective

nominee along with effective period

on first holder

exceeding set parameter

(Cheque return case)

deposit

payment (Cheque return case)

deposit


75

Core Banking

4. Authorization

5. Linking of lien against advances



8. Debit freeze marking

9. Balance freeze marking i.e.,





date can be recorded

12. Standing Instructions

13. System has facility to transfer

with history

Customer Counseling


period, what will be the maturity


period, what will be the installment

Alerts

1. Reminder for installment becoming

2. Reminder for overdue installment

3. Intimation of maturity

4. KYC information pending for accounts

Charges Application

1. Duplicate pass book charges


3. Overdue installment charges


5. Restrict day-end until signatures

and authorized



advances account

Account


debit below (frozen limit + min-

allowed


recorded

instruction: reason and effective from

transfer of funds to specified account

display Given the installment and the

maturity value

display Given the maturity and the

installment

becoming due

installment

accounts

charges


76

Core Banking

1. Half yearly interest application



savings account rules after maturity

3. Interest provision calculation

closing

4. History of Interest Rate circulars

Bills & Cheque Purchase

Master Information

1. Linking with specific account

2. Inherit from OBC / IBC entry

3. Priority Sector classification

4. Minority classification based

account

5. Provide Credit Limit as per margin

Transactions

1. Internal Transfer credit

2. Internal Transfer debit


1. Monthly statement / Date Range

2. Duplicate statement

Alerts


2. Charges application ( parameterized)

3. Notice Charges

4. PA account


NPA Account




application / as per RBI guideline


interest (Including Interest as per

maturity date.)

calculation for the purpose of periodic

circulars

based on first holder of specific

margin or lump sum amount

Range Statements

parameterized)

individual employee

(Indicative NPA)

individual employee

77

Core Banking





1. Monthly interest application



Remittances - Demand Draft – Inter

Issue against payment received

1. In cash: A/c holders and general

2. As transfer Cheque: A/c holders

3. As transfer via other delivery channels:

4. Linking with current account with

System has following Ways of issuing

1. Printed on DD stationary of other

2. Printed on Cheque book of other

3. Issued solely by other bank

Cancellation

1. Mark the status of demand

time stamp

2. Facility to give credit to respective

acknowledged by tie-up bank

Duplicate issue

Issue duplicate draft only if acknowledged

Stop Payment Functionality

1. Entry, modification & authorization

2. Intimation stop payment instruction

3. Revoke stop payment – entry,

4. Intimation of revoke instruction





interest

Inter Bank

general public

holders only

channels: A/c holders only

with other bank

issuing DD

other bank supplied

other bank

draft as cancelled with date &

respective customer account only if

acknowledged by tie-up bank

authorization

instruction to other bank

entry, modification & authorization

instruction to other bank

78

Core Banking

5. Entry of Acknowledgement received

Advice

1. System has facility to send

Cheque book is used to issue the

2. System can generate data

stationary of other bank is used to

Reconciliation

1. Entry of statement of current

2. System can match records based

excluding cancelled drafts

3. System can browse for manual

entries

Branch Draft – Within the Bank


1. In cash: A/c holders and general

2. As Transfer Cheque: A/c holders


4. Linking with head office or branch

Cancellation

1. Mark the status of draft as cancelled

auto propagation to drawn on

propagation succeeds

2. Give credit to respective customer

is successful

Duplicate issue

Issue duplicate draft only if cancellation

Stop Payment

1. Entry, modification & authorization

2. Revoke stop payment instruction

authorization

Advice


received from other bank

Advice to other bank if ABB

DD

for other banks in case DD

to issue the DD

account with other bank

based on D.D. number and amount

manual reconciliation of unmatched

general public

holders only


branch account

cancelled with date & time stamp,

on branch – successful only if

customer account only if cancellation

cancellation is successful

authorization

instruction – entry, modification &

79

Core Banking

1. To other branch as well as head

2. Data generation for other branches

3. Automatic Reconciliation

Banker’s Cheque / Pay Order


1. In Cash: A/c holders and general

2. As transfer Cheque: A/c holders


Cancellation

1. Mark the status of PO as cancelled

2. Give credit to respective customer

is successful

Duplicate issue

Issue duplicate draft only if cancellation

OBC / IBC (Cheques)

OBC Entry

1. OBC number is auto generated

number

2. Commission entry

OBC Realization

1. Other bank’s commission input

2. By Advice

3. By Demand Draft

4. By Demand Draft payable in other

5. Again OBC Entry with relation

6. Realization effect passed over

OBC Return Entry

1. In case of normal OBC, system

send it to customer


head office

branches as well as head office

general public

holders only


cancelled with date & time stamp

customer account only if cancellation

cancellation is successful

generated with Bank-wide unique

input

other city

to parent OBC

over to parent OBC

system can print Return Memo and

80

Core Banking

2. In case of OBP, print Return memo

post balance freeze instruction in

that OBP amount can be recovered

3. Return charges input

Bills Module - OBC

1. OBC Entry - auto generated Bank

2. Generation of Auto Entry Of Bills

OBC Realize

1. By Advice

2. By Demand Draft


4. Again OBC Entry with relation

5. Realization effect passed over

OBC Return Entry

1. In case of normal OBC, system

send it to customer

2. In case of OBP, system can print

Recovery, post balance freeze instruction

account so that OBP amount can

Bills Module - IBC

1. IBC Entry is auto generated with

2. Intimation to customer

3. Handover of documents to customer

Receipt of due amount

1. Free of payment

2. By cash

3. By cheque (Transfer/Clearing)

Payment to IBC party

1. By Advice

2. By Demand Draft



memo and send it to Recovery,

in the linked specific account so

recovered

Bank-wide unique number

Bills Collection / Receivable.

other city

to parent OBC

over to parent OBC

system can print Return Memo and

print Return memo and send it to

instruction in the linked specific

be recovered

with Bank-wise unique number

customer

other city

81

Core Banking

4. IBC / Site Draft Return Entry

5. Print Return Memo and send it

6. Alerts

7. Payment becoming due alert to

Locker Module

1. Locker Key Register

2. Locker Rent Account

Master Information

1. Linking with specific account for

2. Linking with Lockers FD for auto

account


marking

4. Addition / removal of holder with

Transaction

1. Rent Calculation

2. Cash deposit of rent

3. Cheque deposit of rent

Charges

1. Service tax on rent income

2. Break open charges

3. Notice charges

Freezing / Unfreezing

1. Freeze entry along with details

order-letter-ref, effect from date

2. Unfreeze entry along with details

order-letter-ref, effect from date

Alerts

1. Reminder for rent becoming due

2. Notice for overdue rent

3. KYC pending in old account


it to IBC party

to customer

for auto collection of rent

auto credit of FD interest in Rent

nominee details with effective period


details such as reason, authority,

date etc.

details such as reason, authority,

date etc.

due

82

Core Banking

4. Depreciation Calculation

5. Log book of locker operation /

Clearing Module

1. Supports different clearings in

2. Supports different clearings for

Outward clearing - facility to

Cheques, Proceeds of Bills, Sub

CTS Outward

1. Instruments of only valid A/c’s

A/c’s instrument, special authorization

2. Availability of fields in deposit

Appropriate look up’s available.

3. Post dated instruments are not

4. Similarly, “Stale instruments”

5. “Particulars” are mandatory and

Outward clearing moved to Pending

1. Different outward clearings moved

2. Pending outward clearing field

3. Clear balance not updated

Release of Outward clearing (by

1. Different outward clearings release

2. Clear balance updated

3. Carry forward of Outward clearing

Inward clearing – Facility for Return

PO and DD, Sub member/Branch,

1 Flexibility to process Inward clearing

well as at central location when multiple

2. Entry of instruments with details

modes


/ access

in same day for single city

for different cities

to process under IBC, Customer

Sub Member/Branch, ECS Credit,

A/c’s are accepted. For in-operative

authorization by Officer required.

deposit entry like “type of instrument”.

not accepted.

are also not accepted.

and cannot be left blank.

Pending (by Officer only)

moved separately

field updated

Officer only)

release separately

clearing

Return Inward, Customers Inward,

member/Branch, MICR Inward, CTS Inward

clearing at individual branches as

multiple branches within a city

details for ECS and regular clearing

83

Core Banking

3. In case of returned instruments,

debited to the A/c along with transaction

4. Provision to update data received

or floppy. For posting of such entries

5. Provision to print the return instrument

6. Down load facility for ECS textile

data received from ECS clearing house

7. ECS Debit facility

8. MICR Clearing Bounce Cheque

Cash Module

Cash Receipts / Teller Receipts

1. Maintain Cash Balance per Teller.

2. Entry of cash receipts with denomination

3. Generates entry for cash scroll.

4. Updates clear balance of A/c after

5. Denomination Exchange with

Cash Payment / Teller Payment

1. Entry of cash received from chief

denomination details.

2. Users authorized, to pass entries

and Signature.

3. Accepts entries of valid account

4. Validates entry for cash amount

counter.

5. Check for limit of number of

day. Manager to authorize the passing

6. Denomination details mandatory

7. Denomination Exchange with

Bank Guarantee Account and Letter

1. Account creation


instruments, charges as applicable

transaction

received for debit clearing by e-mail

entries authorization is required

instrument memo with reason

textile file and Provision to update

house by electronic means

Teller.

denomination details.

scroll.

after authorization by officer.

customer.

chief cashier or other cashier with

entries after verification of Balance

account only.

amount withdrawal limit from Teller

withdrawal from same A/c in a

passing of such entries.

mandatory in payment entry.

customer

Letter of credit

84

Core Banking

2. Limit against existing FD or immovable

3. Linking with FRD in case limit is

4. Application of charges

5. Amount wise application of charges

6. Period wise application of charges

7. Complex formula

8. List of documents required v/s

receipt

9. Issue of guarantee

10. Retirement procedure on the

11. Provision to link it with Advances

guarantee is invoked and security

the Advances Account.

Solvency

Master Information

1. Approval details – Approved by

2. Solvency details – Limit, date of

expiry

3. Security details – details of FDs

Charges applicable

1. Commission charges (attracts

2. Document Module applicable

3. Listing of documents at the time

at other the time of review, renew,

4. Documents received are tracked

TDS Module

1. Shows applicable TDS amount

2. Keeps track of each TDS so applied

3. Applicable Tax rate along

parameterized and history tracked


immovable property

is against existing FD

charges is available

charges is available

v/s received along with date of

the end of guarantee

Advances GL Head in case the

security is liquidated and credited in

by & Date of approval etc.,

of issue, validity period / date of

FDs lien marked

Service Tax)

applicable in all customer accounts

time of account opening as well as

renew, closure

tracked along with date of receipt

amount in advance as alert

applied

along & effective from date

tracked

85

Core Banking

4. Generates necessary detailed as

5. Generates reports in the prescribed

along with electronic copy in the

by the TDS authority.

6. Prints certificates in the prescribed

to the customers for the record

Service Tax Module

1. Shows applicable Service Tax

as alert

2. Keeps track of each Service Tax

3. Applicable tax rate and its effective

and history tracked

4. Generates necessary detailed

5. Generates reports in the prescribed

along with electronic copy in the

by the Service Tax authority

6. Prints certificates in the prescribed

given to the customer for the record

Officer Authorization (Passing) Module

1. Every entry / modification is

officer

2. Entries cannot be modified in

3. Entries pending for authorization

ways e.g. transaction type wise,

entry-clerk wise etc.

Share Department

Supports different types of membership

1. Share Membership

2. Nominal Membership

3. Occasional Nominal Membership

Master Information


especially for new account.


as well as summary reports

prescribed formats for submission

the prescribed formats as required

prescribed format that can be given

amount while transaction entry

Tax so applied

effective from date parameterized

as well as summary reports

prescribed formats for submission

the prescribed formats as required

prescribed format so that it can be

record

Module

is required to be authorized by

authorization mode

authorization may be viewed in different

wise, amount wise, account wise,

membership

Membership

nominee with effective period marking

86

Core Banking

2. System can issue of photo

members only along with history

3. Linking with FDR in case of Share

4. Linking with seller and purchaser

5. Linking with specific account for

and any other payment

6. Indication for transferable / Non

7. Noting of penalty imposed along

8. Share Committee maintenance

Issuing Share membership against

1. System accepts share amount

2. System accepts admission fee

Transfer of shares

1. Transfer of membership limitation

2. Only transferable shares are allowed

3. Transfer may be done in following

4. Member to Member

5. Member to Non-member

Share Membership

Single Share / Original Share

Share Certificate

1. Issue Certificate

2. Issue Duplicate Certificate

3. Receive Additional Share

Dividend record

1. Dividend credit

2. Payment of dividend by cash

3. Payment by transfer to specific

4. Payment by Warrant / Dividend


ID card (smart card) to share

history

Share Membership against FDR

purchaser account

for payment of dividend, interest

Non-transferable

along with necessary details

maintenance

against FDR

as per set parameter

as per set parameter

limitation as per regulations

allowed to be transferred

following ways

specific account

Dividend Warrant Printing

87

Core Banking

5. System tracks lapsed Dividend

Other functionalities

1. Surrender Additional Share

2. Sale of original share to other

3. Surrender original share to

against FDR upon premature withdrawal

4. Details of gift given along with

5. Compulsory deposit

6. Issue of Receipt

7. Issue of Duplicate Receipt

8. Maintains Paid Interest Details

9. Maintains Interest credit details

10. Maintain Interest debit details

11. Maintains Share Deposit Received

12. Maintains Share Deposit Paid

13. Maintains Loan Deposit Received

14. Maintains Loan Deposit Paid

15. Maintains Required contribution

16. Sanctioned Borrowing Limit facility

17. Linking to advanced account

closure)

Nominal Membership and Occasional

1. Registration as Nominal Member

2. Resign from Membership

3. In case of Occasional Nominal

may be terminated as soon as

membership has been granted is

take care of the same.

4. Maintenance of Compulsory deposit

5. CD Receipt - Issue Receipt

6. Issue Duplicate Receipt


Dividend

to bank (only for shares issued

withdrawal of FDR)

with history

Details

details

details

Received

Paid

Received

contribution towards capital

facility

account (account number, date of

Occasional Nominal Membership

Member

Nominal Membership, the membership

as the purpose for which the

is over. Facility in the system to

deposit received

88

Core Banking

7. Maintains Paid Interest Details

8.Maintains Interest credit details

9. Maintains Interest debit

10. Maintains Loan Deposit Received

11. Maintains Loan Deposit Paid

Loan Application Department

1. Cross validation for cash receipt

fee based on membership number

2. System keeps track of movement

3. For sanctioned application,

with necessary details at the time

-- Insurance cover note number,

period from – to

-- In case of vehicle loan, chassis

-- Share/Loan Deposit deficient

4. Liability Ledger

Liability Ledger Posting along

primary & collateral securities

5. Member wise reporting of liabilities

-- Security (Primary & collateral)

6. Loan Disbursement

7. History of Interest Rate Circulars

8. Document Management for Loan

9. Inward entry

10. Issue entry

11. Received entry

12. Outward entry (final handover

Security File document only

Recovery Department

Recovery Monitoring


Details

details

Received

receipt towards process fee and legal

number

movement of loan application

entry of documents submitted

time of document signing etc.,

number, company name, sum insured,

chassis number, HPA, RC Book etc.

deficient amount and so on

along with complete details of

liabilities

collateral) wise reporting of liabilities

Circulars

Loan Document & Security files

handover to customer) applicable to

89

Core Banking

1. Allotment of account to employee

2. Setting employee wise recovery

3. Measuring employee wise recovery

4. Defining Project Hierarchy

Additional Manager – Branch

Employee

Suite Filed MIS

1. Recording details at each and

Resolution for filing suit

Suit filed

Document outward

Document inward

Award information

Lawyers engaged

Payment of lawyer fees

Date attended before court

Resolution for attachment

Applied for 103 certificate

Receipt of 103 certificate

Execution of attachment warrant

Withdrawal of attachment warrant

Applied before Appellate

Date attended before Appellate

2. Interest application for the

suspension - as per interest rate ordered

Settlement as per Schemes (Surety

Arbitration MIS

1. Arbitration Applied for – Entry

2. Arbitration Award – Entry

PA & NPA Provision Rate Master.


employee

recovery target

recovery against the target

– Project leader – Manager –

Manager – Group Leader –

every stage; stages listed below

warrant

warrant

Appellate

the entire period of interest

ordered by court

(Surety Loan)

Entry

Master.

90

Core Banking

Securitization Workflow automation.

OTS MIS

1. Creation of OTS database based

2. Interest / penalty interest waived

3. OTS application received

4. Negotiated settlement amount

5. OTS recovery / write off

Accounts Department

General Ledger Maintenance

1. Creation of new GL

2. Set parameters of new & existing

3. Branch wise maximum debit balance

Current accounts with other banks

ABB account

1. Master Information

2. Cheque Book Series Maintenance

3. At HO - Issue to outstation branches

4. Stop Payment Instructions at head

5. Issue to outstation branches

6. Revoke Stop Payment

Transactions

1. Cash deposit

2. Cash withdrawal

3. ABB Cheque Payment – cross

cheque book series to respective

cheque are accepted.

4. Cheque deposit

5. Internal transfer

Reconciliation

1. Entry of bank’s statement


automation.

based on OTS criteria

waived

amount

existing GL

balance / credit balance limit

banks

Maintenance

branches

head office

cross verified against the issued

respective branch / HO and only unpaid

91

Core Banking

2. Automatic matching

On amount for cash deposit (same

On Cheque number and amount

date)


or different date)


different date)

Cancel automatic matching

3. Pending entries are manually

4. Operational requirement at Outstation

5. Outstation branch may have

banks

6. Outstation branch may deposit

from the current account

7. Outstation branch will be given

bank. Using this ABB Cheque book

fund to meet the balance short fall

8. Transfer excess fund to H.O.

9. Regular current account (totally

10. Master Information

11. Cheque Book Series Maintenance

12. Stop Payment Instruction

13. Revoke Stop Payment

14. Transactions

Cash deposit

Cash withdrawal

15. Cheque Payment – cross verified

book series and only unpaid Cheque

16. Cheque deposit

17. Internal transfer

Investment Module


(same date)

amount for cash withdrawal (same

amount for Cheque payment (same

amount for Cheque deposit (same or

reconciled

Outstation Branches

have current account with other

deposit cash as well as withdraw cash

given ABB Cheque book of the same

book outstation branch may fetch

fall due to against clearing.

(totally maintained at branch)

Maintenance

verified against the issued Cheque

Cheque may be accepted.

92

Core Banking

Call deposit with other banks

1. Create new call deposit - Master

2. Withdrawal of call deposit

3. Renewal of call deposit

4. Interest calculation just to cross

correct or not

5. Interest Provision calculation for

FDR with other banks

1. Create New FDR - Master information

2. Withdrawal of FDR

3. Renewal of FDR

4. Interest received posting –

verify the interest received

5. Interest Provision calculation for

6. Overdraft facility against FDR –

7. Alerts like Intimation of FDR

days in advance

Government Securities (G-Sec)

1. Script Master information

2. Broker/Guarantor/Issuer/Dealing

Money/Shares) Master information

3. Purchase

Deal Confirmation Entry and Printing

4. Interest paid - calculated for cross

5. Purchase Entry

Inherit from Deal Entry

6. Sales

Deal Confirmation Entry and Printing

7. Interest received - calculated

8. Sales Register Entry


Master information

cross verify interest received is

for closing purpose

information

– interest calculation will cross

for closing purpose

– linking with current account

becoming due daily alert from x

/Issuer/Dealing Party (MF/Call

information

Printing

cross verification

Printing

for cross verification

93

Core Banking

9. Interest received entry – interest

amount received

10. Mark to market

11. Script wise entry of market rate

12. Updates current stock value

13. Classification - HTM / AFS / HFT

14. Shows Market Rate at the time

15. Tracking of amortized amount

16. Shares of other institute

Purchase

Sale

Dividend

17. Warrant entry – to calculate

Bonus shares

Split of shares

18. Debenture & Bonds of Public

19. Indication for SLR / Non-SLR

20. Purchase

21. Sale

22. Interest

23. Coupon entry – to calculate for

24. Conversion of debentures to

25. Redemption of debentures &

26. Repo and Reverse Repo

Borrowing Module

1. Master information

2. Repayment schedule selectable

Lump sum


interest calculation to cross verify the

rate

with market rate

HFT

time of Amortization and its date

amount every year


Sector Units


to shares

& bonds

selectable (any one from)

94

Core Banking

Regular installment

As per commitment

3. Interest calculation

4. Interest Repayment

5. Alerts

Intimation of Repayment of principle

– daily alert 3 days in advance

Reconciliation of branch account

Reconciliation of branch draft account

Consolidation of GL

Projected statements

Balance Sheet

Profit & Loss

O.S.S

1. Printed statements in prescribed

2. Data files in prescribed OSS format

DICGC Submission

1. Printed statements in prescribed

2. Data files in prescribed format

Asset Liability Management

1. Structural Liquidity Report

2. Interest Rate Sensitivity Report

3. Dynamic Liquidity Report

H.R. Department

1. Scale Master Information with

2. DA Master with history

3. Allowances Master with history

4. Employee Details

Personal Details

Family Members Details

Nomination Details


principle + interest becoming due

account

account

prescribed OSS format

format

prescribed format

format

Report

with history

history

95

Core Banking

5. Current Posting Details

History of previous posting

6. Promotion Details

7. Training History

8. Medical History

9. Leave History (Earned, Enjoyed,

Encashed etc.,)

10. Current Salary Parameters

11. Banking & Non-Banking loan

12. New Loan with indication for

13. Deductions of installment

14. Investment details pertaining

rebate

15. Deduction of other institute

16. LIC premium

17. Union Fee

18. Credit Society Fee etc.

19. History of Previous salary parameters

20. LTC Details

21. Arrears Calculation

22. Bonus Calculation

23. Ex-gratia Calculation

To Income Tax

To Provident Fund

To Professional Tax

To Gratuity Fund

To Family Pension / Pension

To Group Insurance etc.

Stationary Department

1. Item Master

Item details along with Reorder


Enjoyed, Lapsed, Converted to,

for Banking / Non-Banking Loan

pertaining to Income Tax exemption /

parameters

Reorder level information

96

Core Banking

Indication for ABB Cheque or

2. Category of item

Serialized stock (specific to branch)

Table Stationary

Computer Stationary

Printed Stationary

Raw Material

3. Vendor Master

4. Tender Entry

Vendor wise tender rate entry

Tender comparative statement

5. Rate Master

6. Linking with Tender Entry

7. Purchase Order Entry As per rate

8. Receipt Entry For Serialized

serial number details

9. Rejection to Vendor Entry

10. Bill Entry

11. Indent Entry

12. Issue Entry

To Branch

To Vendor for Raw Material category

Issue Note Printing for both of

13. Return from branch Entry

14. Branch Statement

15. Debit Advice based on Net Issue

16. Stock Statement

17. Bill Register

18. Library of Circulars & Articles

19. Posting of New Circular / Article

20. Entry, modification


Normal Cheque Book

branch)

entry

statement

rate master or rate input

Serialized category, input quantity with

category only

of above

Issue Value (**)

Articles

Article

97

Core Banking

21. Publish to – Public / Subscribers

22. Indexing of New Circular / Article

23. Browsing

Date wise

Category/Subject wise

Author wise

24. Searching on Date / Subject

25. Subscribers Enrolment

26. Subscribe

27. Un-subscribe

28. Group membership

29. API available for Interfacing

· ATM

· Internet Banking

· POS - Correspondent Banking

· SMS Banking

· Mobile Banking

· Phone Banking

· Kiosk / CDM Banking

30 – Dash Board for 360 Degree

analytical capability ( to be

implementation and finalize various

· For Manager - providing

areas of operations of the Branch

· For HO - providing vital information

operations of the Branches

· For Board/CEO - providing

areas of operations of the Bank

Special tools for monitoring CRR/SLR

NPA Monitoring tools at basic level

31 Special Features


Subscribers / Groups

Article

/ Keyword

to various Delivery Channels

Banking

Degree view with graphical and

be discussed at the time of

various elements of reporting)

vital information on all the key

Branch

information on all the key areas of

providing vital information on all the key

CRR/SLR adequacy

level and at higher level.

98

Core Banking

List out all special features that

provide to make the operations

easier and simpler.

Electronic Fund Transfer Switching

Reconciliation for driving the

for Issuance of Rupay Cards

S No Description

1

The ‘ASP shall

such tasks,

available such

successful completion

additional cost

the necessary

to provide

their response

hardware

implementation

provide the

function of

should provide

and offsite ATMs

both types

provide the

reconciliation

already integrated

will enable

nation-wide

should have

management

built ATM/

based GUI.

by Web based

entirely outsource

Monitoring.

ASP EFT Switch

ATMs and to

Cash withdrawal,

transfer on


that the proposed software would

operations of Branch, HO and Board/CEO

Annexure 7

Switching Solution with Card Issuance and Management,

the existing ATMs of the Bank and also Integrating

Compliance

Yes No

shall be required to undertake to perform all

tasks, render requisite services and make

such resources as may be required for the

completion of the entire assignment at no

cost to the Bank. The bank will provide only

necessary hardware for the project to enable ASP

world class EFT /ATM switch. The ASP in

response to the bid need to clearly specify the

requirements needed to perform the

implementation of this module. The ASP is required to

the ATM / EFT switch on shared basis for the

ATM drive and Rupay card functioning. ASP

provide the option of connecting the on-site

ATMs through the switch which will enable

of ATM to run on NFS network. ASP should

the reconciliation system for the 3 way

reconciliation of the transaction. ASP should have an

integrated with National Financial Switch. ASP

bank’s ATM/ Debit cards to run on all the

wide ATM which are connected to NFS. ASP

have an interface with NPCI for the dispute

management system. The ASP should provide the in-

Debit Card Management System with web

Also Bank can monitor its ATMs real time

based GUI provided by ASP, or Bank can

outsource the help desk for the ATM

Monitoring.

Switch should be compatible to drive Micro

to Support transaction i.e.

withdrawal, Balance enquiry, Cash Deposit, fund

Micro ATMs.

99

Management,

Integrating with NPCI

Compliance Rem

arks

/

Devi

ation

No

Core Banking

ITEM NAME

CLASSIC BASE CARD

Pin Mailer

(With Patch applicator)

Rupay Cards,


ITEM DESCRIPTION

· Card can be with Matt or Gloss Lamination.

· Pearlescent, minimum 760 micron card.

NON-Photo

Variant Names

• RuPay

Photo

Variant Names

• RuPay

Size : 7’ x 4”x 3 part (1+2)

Paper : I Part – 60 gsm

II Part – 70 gsm

III Part – 70 gsm

Normal paper, with printing and carbon patches

Printing: 1st

part - single colour on front side

application on back side, 2nd

part - single colour

with patch application on back side, 3rd

part

printing on back side

Card Personalization and PIN Mailer Stationery

100

Lamination.

patches

side with patch

colour on front

part - single color

Core Banking

S No Description

1

Supply, installation, maintenance

IMPS Switchh at DC.

IMPS Switch should support

day and 50 transactions

submitted)

IMPS Switch should suppo

P2M, P2U and Foreign Inwa

specifications document

IMPS switch to exchange

NPCI interface using ISO8583

The Service Provider should

reconciliation for all IMPS

The latest updates of existing

as when the changes requ

Comprehensive Annual Tech

All software licenses and

under comprehensive ATS.

Certification with NPCI for

Mobile Banking should

Android, Windows, Blackberry,


IMPS

Compliance

Yes No

maintenance and Technical Support for

port minimum 5 lac transactions per

transactions per second. (undertaking should be

ort existing IMPS services i.e.P2P, P2A,

nward Remittance as per latest IMPS

issued by the NPCI.

exchange messages for IMPS transactions with

ISO8583 or any other type used by NPCI.

should be provide3-way or 4 way auto

PS transactions.

sting IMPS services should be provided

uired by NPCI.

Technical Support should be provided.

and customization should be covered

ATS.

for IMPS services should be done.

be enabled on various platforms

Blackberry, iPhone and J2ME Based phone.

101

Remarks /

Deviation

Core Banking

DATA CENTRE - Option I

Element

SCOPE OF WORK FOR DATA CENTRE

The selected vendor will be

available to complete all

flooring, electrical, supply,

commissioning of Fire Detection

Systems, UPS, Generator,

equipment, Access Control

well as bio-metric), Structured

Supply of furniture and fixtures

etc. Vendors should provide

undertaken and bill of

Materials must be used from

manufacturers only. Vendors

practices in Data Centre and

Vendors are required to clearly

nos., model nos. quantities,

representative list of work is

1. False Flooring

1. Plastering, painting and

1. False Ceiling

1. Electrical works

1. Fire Detection & Suppression

1. Access Control & CCTV

1. Supply, Installation and Commissioning

1. Supply, Installation and Commissioning

1. Supply and Installation of

1. KVM Switches

1. LAN Networking (Voice &

11. Supply, Installation

Generator Set


Annexure 8


Yes No

CENTRE

be required and should be

work relating to civil,

supply, installation and

Detection & Suppression

Generator, Air Conditioning

Systems (Swipe card as

Structured Cabling, Carpentry,

fixtures (for Data Centre),

provide details of works to be

material to be used.

from leading and reputed

Vendors must follow best

and DR site preparation.

clearly mention the part

quantities, to be used. A

is given below:

and waterproofing

Suppression System

Commissioning of UPS

Commissioning of PEC

of RACKS

& Data)

& Commissioning of

102

Remarks

Core Banking

1. Pest and Rodent control

DATA CENTRE - Option II

Element

SCOPE OF WORK FOR DATA CENTRE

Since the Bank is demolishing

Building, a Container Data Centre

consideration.

IBM or any other MNC Container

requirement


control system


Yes No

CENTRE

and reconstructing the

Centre Option is also under

Container DC to suit the Bank’s

103

Remarks

Core Banking

CONNECTIVITY AND ACCESSIBILITY

Identify the hardware and/or software

full local and remote client functionality

Vendors should also quote and provide

of the existing IPV 4 protocols to

recommendation of the Reserve

NETWORK UTILIZATION

The RFP response should discuss

and server equipment will exchange

network. In addition to standard

provided by the application software

envisaged that users also require

using other tools and products.

Vendors should provide the following

relates to the above detail:

• What protocols are used

• How much bandwidth is

application access and data

daily operational use?

• Is data exchange

client/server, shared file

mechanisms?

• Do any of the products in

provide direct integration

party office suites?

Complete Network integrating

Head Office and to the Service Providers’

NPCI Connectivity

Various options should be given

for Leased Lines / VPN / RF etc.,

All the networking components

international brands like CISCO etc.,


Annexure 9

ACCESSIBILITY Compliance Remarks / Deviation

Yes No

software necessary to have

functionality and accessibility.

provide for the migration

IPV6 protocol as per the

Bank of India.

discuss how client computers

exchange data across a

standard access and control

software interface, it is

require data for offline analysis

following information as it

used for data access?

is required for concurrent

data access for “normal”

accomplished through

file or standard download

in the proposed solution

integration with standard third-

all the Branches with

Providers’ Data Centre for

with a network diagram

components should be of

etc.,

104

Deviation

Core Banking

1. HARDWARE ENVIRONMENT

INFRASTRUCTURE

The response to this RFP should

and diagram that details

infrastructure requirements for the

Such solution should include detail

topics as well as any related

❖ Server hardware environment

Back end, Web server,

❖ Disk storage -

recommendations

❖ Available and recommended

system support - Server

❖ Response time for

based on the proposed

❖ Backup and disaster

and recommendations.

2. DETAILED HARDWARE INFORMATION

Provide details relating to all components.

minimum, the following information:

❖ Manufacturer and

❖ Configuration alternatives

❖ Ability of the

infrastructure requirements

the proposed solution.

should be priced

❖ Pricing for vendor

should be detailed

overall price quote.

❖ Only additional

over and above

already in place


Annexure 10

ENVIRONMENT AND

should provide an explanation

the hardware and

the proposed solution.

detail on the following

topics:

environment – Front End,

server,

capacity estimates and

recommended operating

Server O/s, Client O/s

for various transactions

proposed hardware

recovery requirements

recommendations.

INFORMATION

components. Include at a

information:

and model

alternatives

the vendor to turnkey

requirements as part of

solution. If available, this

priced as a separate option.

vendor provided hardware

detailed as part of the

quote.

additional hardware required

above what the Bank has

place needs to be quoted.

105

Core Banking

S No Description

1

Implementation of RBI

De-duplication of customer

De-duplication is a matching

duplicate customer records

mandate (circular 14

relevant guidelines from

Customer Identification

identifying duplicates

The solution should

algorithms, specifically

solution should be

addresses; it should

names, grammatical,

discrepancies.

To meet the RBI

requirements, the Bank

be completed once.

• Data Profiling – Generate

all the fields mapped

values, data formats,

• Name Standardization

of Names, including

title etc

• Address Standardization

Standardization

regional context,

for identification

customer

• Data Dictionaries

pre-existing data

• Heuristic free-text

that can identify

code, Names, Gender

are not intended

• Create Single UCIC

records using rules

Name and Address

for these customers

can be merged.


Annexure 11

UCIC

Compliance

Yes No

RBI mandated UCIC guidelines require

customer records using various rules.

matching process carried out to find

records in the system. [A recent RBI

14 /14.01.062/2012-13) and other

from RBI require banks to give Unique

Identification Code (UCIC) to their customers

across the databases]

should incorporate advance matching

specifically written with Indian context. The

engineered for Indian names and

handle misspellings, short form of

grammatical, semantically as well as dialectal

RBI mandated UCIC compliance

Bank needs the following activities to

Generate a comprehensive report for

mapped by users. This includes missing

formats, quality parameters, etc.

Standardization – Automated standardization

including misspelling, typos, lingo, dialect,

Standardization – Automated

of Addresses specific to Indian

context, and includes sophisticated parsing

identification of landmarks specified by the

Dictionaries – Ability to match the Names using

dictionaries

text parser – Using heuristic parser

PAN numbers, Phone numbers, Pin

Gender etc from the fields where there

UCIC ID –detect duplicate customer

rules such as PAN match, Phone match,

Address match, etc. Assign a single UCIC ID

customers so that these customer records

106

Remarks /

Deviation

Core Banking

Annexure 12 - IMPLEMENTATION

The RFP response should provide

training for the proposed software.

• Project organization chart

• Detailed implementation

implementation processes

• Conversion support

• Overview of proposed

-

-

-

- On-site or training center

• Documentation and User

• Implementation and training

each stage of the project.

• The bidder is required to

Software Implementation

Task

Annexure 13 - MAINTENANCE PROGRAM

The RFP response should specify

the vendor including:

• Product Support options

• Telephone support

• Online communication

• Delivery method of future

• Availability and role of User

• Contact/Web Address for

Annexure 14 - CLIENT REFERENCES

Vendors must provide at least

ARCO BANK and have licensed

computing environment.


IMPLEMENTATION AND TRAINING

provide a detailed overview of the implementation,

software. This information must include:

chart

implementation methodology including any recommendations

processes

proposed training including methodology and

Implementation

User

center services

User Manuals provided

training plan including estimated timeframe and deliverables

project.

to provide the following implementation chart as given

Implementation &commissioning Chart

W

1 W

2 W

3 W4 W

5 W

6 W7 W8 W

9 W1

0 W1

1 W

12 W1

3 W

1

4

PROGRAM

specify the nature of any post-implementation support

options

service

future upgrades and product enhancements

User Groups

for User Group.

REFERENCES

three client references that are similar in size and

licensed the proposed software in its current release for

107

implementation, support, and

recommendations for phased

options for

Team

Analysts

Users

deliverables for

given below:

W

1

5

W

1

6

W

1

7

W

1

8

W

1

9

W

2

0

W

2

1

W

2

2

W

2

3

W

2

4

support provided by

complexity of

a comparable

Core Banking

(BRIEF LIST OF MODULES

Category 1 & 2

1. GENERAL BANKING (

reports etc )

2. HO MODULE (CENTRALISED

share capital, investments

3. USER CONTROL

4. PARAMETERISATION

5. DYNAMIC REPORT BUILDER

(PROVISION TO DEVELOP

6. PAYROLL including Income

7. SHARES

8. AML

9. ALM

10. F.I.U

11. UCIC

12. INCOMETAX SUBMISSIONS

13. P.F SUBMISSIONS

14. TDS DEDUCTIONS

15. RBI INFORMATIONS

16. AUDIT REQUIREMENTS

17. LOAN ORIGINATING

18. DOCUMENT MANAGEMENT

19. SMS ALERTS ( TRANSACTIONAL

20. AADHAR LINKAGE

21. NEFT/ RTGS ( THROUGH


MODULES OF CORE-BANKING & SWITCHING

( including FIU ,Income Tax, CTR,STR, Service Tax

(CENTRALISED PEPORTS, MANAGER VIEW, C.E.O VIEW

investments etc) summaries.

PARAMETERISATION

BUILDER

DEVELOP BASIC BANK’S OWN REPORTS)

Income Tax submissions

SUBMISSIONS

REQUIREMENTS

PROCESS, EP Filing, Court Cases, Document releases.

MANAGEMENT SYSTEM

TRANSACTIONAL SMS and BULK SMS MODULES)

THROUGH SUB-MEMBERSHIP)

108

SOLUTIONS)

Tax , TDS, RBI

VIEW POINT,

releases.

Core Banking

22. SWITCHING , CARDMANAGEMENT

23. RUPAY CARD, POS, Financial

24. ATM reconciliation

25. MOBILE BANKING( BANKING

26. INTERNET BANKING (

27. supply, installation

including Database,

Servers/ APP Servers

28. Data Migration, Implementation

-------------------------------------


CARDMANAGEMENT , RECON

Financial inclusion

BANKING OPERATIONS THROUGH MOBILE)

( VIEWING PURPOSE) & OTHERS

installation and commissioning of Core Banking

Database, Operating system & Layered Software(

Servers )

Implementation & Training

-------------------------------------***-------------------------------------------

109

Banking Solution

Software( Web-

Core Banking

Detailed List of Modules

CORE (Centralized On-line

DIVIDED IN TO TWO PARTS.

1. BRANCH (MODULES)

2. HEAD OFFICE( MODULES)

1. BRANCH (MODULES)

A. DEPOSITS MODULE

SAVINGS DEPOSITS,

INVESTMENT

DEPOSITS,

DEPOSITS,

(FINANCIAL

FACILITIES

KYC Norms,

UCIC Requirements,

Nominee Facility,

Photos / Signature

Deaf Payments,

DICGC Payments

TDS Deductions

Membership

Insurance


KIOSK Facility

Counter and

Inclusion)


(CBS should cover all the below Modules)

line Real time Environment) BANKING

PARTS.

(MODULES) SOFTWARE

MODULES) SOFTWARE

(MODULES) SOFTWARE

MODULE

DEPOSITS, CURRENT DEPOSITS, TERM DEPOSITS,

INVESTMENT DEPOSITS, CASH CERTIFICATES, S.D

SHORTTERM /CALL DEPOSITS, RE

PIGMY DEPOSITS, BASIC SAVINGS

INCLUSION) ETC.,

Norms,

Requirements,

Facility,

Signature Capture,

Payments,

Payments

uctions and Payments to I.T. Department,

Membership Linking

Facility

Instructions

Facility (Cash Receipts & Payments across

and Door To Door Banking for

110

Modules)

BANKING MAY BE

DEPOSITS, RE-

S.D.LOCKER

RECURRING

DEPOSITS

Department,

across the

Financial

Core Banking

Pan Card Verification

Aadhar Card

ATM Facility

(Depositing/Withdrawals/View

Rupay Card

MENUS/SUB

1. QUERY

Customer

Transaction

Cheques Query

UID Query

General Query,

Maturity Value

Pre closure

Old No. Query

2. NEW APPLICATION

New A/C

Authorization

Modification

Deposit Parameterization

Deposit Interest

Lien Details

Deposit Installation

Matured Deposit

Rd Products

SB CD RD Pass


Verification

Card verification

Facility via Switching/Interface

(Depositing/Withdrawals/View Information)

Card Facility via Switching/Interface

MENUS/SUB MENUS

Query

Transaction Query

Query

Query

Query,

Value Query,

closure Query

Query

APPLICATION

Authorization of New A/C

Modification of A/C. Details

Parameterization

Interest Rate

Details

Installation

Deposit Installation

Products Installation

Pass Book Parameterization

111

Core Banking

FD Receipts

Employee

3. CLOSURE

Fixed Deposits,

Cumulative

Recurring Deposits

Cash Certificates

SDL Deposits

Automatic

4. PRECLOSURE

Fixed Deposits,

Cumulative

Recurring Deposits

Cash Certificates

SDL Deposits

Automatic

5. RENEWALS

Fixed Deposits,

Cumulative

Recurring Deposits

Cash Certificate

SDL Deposits

Automatic

6. TRANSACTIONS

Entry for SB,


Receipts Parameterization

Wise Deposit Mobilization Noting

CLOSURE

Deposits, Short Term Deposits

Cumulative Deposits

Deposits

Certificates

Deposits Etc

Automatic Renewal Deposits

PRECLOSURE


Cumulative Deposits

Deposits

Certificates

Deposits Etc


RENEWALS


Cumulative Deposits

Deposits

Certificates

Deposits Etc


TRANSACTIONS

SB, Current, OD/CCL

112

Core Banking

Passing

SB/CD/OD/CCL

Passing

Transfer Entries

Transfer Entries

Multiple Transfer

Multiple

Execution

Products Updating


Interest Authorization

Misc.charges

Folio Charges

Service Charges

Insurance


Freezing A/Cs

Interest Payment

Interest Payment

Interest Payment

Interest Payment

Interest Payment

Transferred

Deposits Payments

Deposits Cash

Transferred

Transferred


SB/CD/OD/CCL Closing

Entries through Batch Posting

Entries Passing Through Batch Execution

Transfer Entries through Batch Posting

Transfer Entries Passing Through

Updating

Application (SB INOP SB Etc)

Authorization

Misc.charges Application

Charges Application

Charges SB Current ATM A/Cs

Noting To Deposit A/Cs

Instructions

A/Cs

Payment-Installment Amount

Payment-Day Wise

Payment-Month Wise

Payment-Accrued

Payment-Auto Renewal Scheme

Transferred To Matured Fixed Deposits and Vice

Payments Passing

Cash Receipts Passing

Transferred To Inoperative A/Cs and Vice Versa

Transferred To Unclaimed A/Cs and Vice Versa

113

Execution

Posting

Through Batch

Vice Versa

Versa

Versa

Core Banking

7. PROCESS

Overdue Process

Overdue Process

Monthly Interest

Monthly Interest

(Provision

DICGC Payment

AML CTR STR

ALM Process

Transferred

Transferred

Employee

8. REPORTS

Application

Supplementary

Interest Accrued

Deposit Interest

Depositors

Deposits Outstanding

Deposits Outstanding

Matured Deposits

Depositors

Lien Marked

Depositors

Customer

ALM Report

Interest Rate

Period Wise


Process

Process for Auto Renewal Scheme

Interest Provision

Interest Provision Other Branches

On Inter Branches Deposits)

Payment

STR FIU etc

Process

Transferred To Unclaimed Deposits Process

Transferred To Inoperative Deposits Process

Wise Targets

REPORTS

Application Printing

Supplementary Day Book (Scrolls)

Accrued On Deposits

Interest Rate

Depositors Statement of Account

Outstanding Balance As On Date

Outstanding Balance Any Date

Deposits out Standing Report

Depositors Address. Cell No.

Marked Deposits

Depositors Nominee Report

Liability

Report

Rate Wise Report

Wise Deposit

114

Core Banking

Maturity Pattern

Account Wise

Depositors

Depositors

AML Reports,

DICGC Report

DEAF Report

Unclaimed

Inoperative

Deposits Pre

Deposits Withdrawal

Deposits Renewal

Auto Renewal

ATM Deposits

FD Receipts,

Depositors

Share Linking

Pending Documents

Freeze A/Cs

Transaction

A/C Operating

Balance Confirmation

Minimum

A/Cs Opened

Insurance

Average Rate

C.D Ratio Report

Employee


Pattern

Wise Report

Depositors Performance Report

Depositors KYC Information Report

Reports, CTR/STR, FIU etc

Report

Report

Unclaimed Deposits Details

Inoperative Deposits Details

Pre closure Report

Withdrawal Report Between Dates

Renewal Report Between Dates

Renewal Deposits Report between Dates

Deposits Payments Report

Receipts, Passbook Printing

Depositors Income from the Bank

Linking With Deposit A/Cs

Documents Report

A/Cs Reports

Transaction Listing

Operating On a Day

Confirmation Letters

Balance Letter

Opened /Closed During the Period

A/Cs. List

Rate of Interest of Deposits

Report

Wise Targets- Achievements

115

ates

Core Banking

Deposit Mobilization

Any Other

User Manual

the Doubts

ALL THE ABOVE

B. LOANS AND ADVANCES

TERM LOANS,

LOANS, OTHER

MEMBERS

OTHER INFORMATION

MENUS/SUB

1. QUERY-

Customer

Transaction

Closure Query

Loans Details

EMI Installment

(Flat/Diminishing)

Old No. Query

2. MASTER

Loans Application

Loan A/C. Opening

Authorization

Other Loans)


Mobilization Employee Wise Report

Report Required By the Bank or RBI

Manual for Deposits Module to study

Doubts and Other Purpose

ABOVE REPORTS SHOULD HAVE PRINTING

ADVANCES MODULE

LOANS, CASHCREDITS, O.Ds, GOLD LOANS,

OTHER LOANS, EMI. PROCESS NPA, KYC

LOAN INSURENCES, AND REQUIRED

INFORMATION

MENUS/SUB MENUS

Query

Transaction Query

Query

Details

Installment Query

(Flat/Diminishing)

Query

Application

Opening

Authorization of New Loan A/C (Jewel, Deposit,

Loans)

116

RBI etc

and Clear

OPTION

LOANS, DEPOSIT

KYC NORMS,

REPORTS,

Deposit, All

Core Banking

Loan A/C Nominee/Family

Loan Parameterization

Loan Origination

Loan Profile

OD/CC Profile

Charges Parameterization

Loan Member

Modification

Modification

Loan Scheme

Modification

Document

Purpose Master

Priority Sector

Installment

Guarantee

Security Master

Loan Insurance

Loan Document

Post Dated

Charges Parameterization

Interest Rate

Installation

Loan Balance

Loan Products

Penal Interest

3. TRANSACTIONS

Entry for All


Nominee/Family Details

Parameterization Master

Origination Master

Profile Master

Profile

Parameterization

Member Liability and Expenditure Master

Modification of A.C Details

Modification of OC/CC NPA

Scheme Master

Modification of NPA Details

Document Master

Master

Sector Master

Installment Master

Guarantee Master

Master

Insurance Master

Document Details

Dated Cheques

Parameterization

Rate Master

Installation (Deposit Loans, Jewel Loans, Other

Balance Installation)

Products

Interest Option

TRANSACTIONS

All Loans

117

ster

Other Loans

Core Banking

Message /

Passing

Loans Closing

Passing Closing

Transfer Entries

Transfer Entries

Multiple Transfer

Multiple

Execution

Products Updating


Interest Authorization:

Charges Entry

Charges Entry

Suit Filed Loans

Loss Assets

Guarantee

Loan No. To

Folio Charges

Service Charges

Insurance


Freezing A/Cs

Freezing Accounts

Modification

Authorization

Transfer of

Document


/ Alerts at the Time of Entry (Overdue/NPA)

Closing Entry

Closing Entry

Entries through Batch Posting

Entries Passing through Batch Execution

Transfer Entries through Batch Posting

Transfer Entries Passing Through

Updating

Application (All Loans)

Authorization: Type Wise, Account Wise

Entry

Entry Passing

Loans

Assets

Guarantee Master

To Membership No. Linking

Charges Application

Charges

Noting To Loan A/Cs

Instructions

A/Cs

Accounts OD/CC

Modification of Limit/DP Details

Authorization of Limit/DP Details

of Loans

Document Register

118

Overdue/NPA)

Execution

Posting

Through Batch

Wise

Core Banking

Loan Member

4. PROCESS

NPA DCB Process

OD/CC NPA

Loan Notice

Loan Notice

Loan Reminder

Loan Notice

NPA Provision

NPA Account

Loan Liability

NPA Advance

NPA Running

Floating Rate

Employee

5. REPORTS

Supplementary

Transaction

Account Operating

Daily Statement

Loan Master

Installment

Interest Rate

Interest Rate

Security Master

Loans Etc.,)

Document


Member Liability

Process

NPA Process

Notice Process

Notice Marking

Reminder Process

Notice Parameter

Provision

Account Type Process

Liability Register

Advance Process

Running Process

Rate Process

Wise Targets

REPORTS

Supplementary Day Book (Scroll)

Transaction Listing

Operating On a Day

Statement of Gold Loans

Master Report

Installment Schedule Report

Rate Master

Rate Account Wise Report

Master (Gold, Vehicle, Term Loans,

Etc.,)

Document Master

119

Loans, Deposit

Core Banking

Guarantee

Balance Out

Balance

Balance Out

Balance out

Balance Out

Balance Exceeding

Balance Exceeding

DCB Report

DCB Report

NPA Daily

Statement

Statement

Loan Parameterization

Loan Product

Loan Performance

Loan Voucher

Individual

Over due Loans,

Complete Overdue,

Disbursed

Purpose Wise

Priority Wise

Priority Sector

Weaker Sector

Gold Chest

Loan Files

Suit Files Loan


Guarantee Master

Out Standing List (Split) Pri. + Int

Out Standing List as On Date

out Standing List Any Date

Out Standing List with Address

Exceeding Sanction Amount

Exceeding Sanction Amount Any Date

Report

Report (DESC)

Statement of A/C

Statement of A/C during the Period (Pri+Int)

Parameterization Report

Product Report

Performance Report

Voucher Report

Loan Report

Loans, Branch-wise, Period Wise, Action

Overdue, Partly Overdue Etc

Loans

Wise Report

Wise Report

Sector Loans

Sector Loans

Chest Balance

Chest Balance

Loan Details

120

Int + Total

Date

Action Wise

Core Banking

Security Details

Insurance

Average Rate

ALM Reports

AML Reports

Standard Assets

NPA Reports

Loss A/Cs

NPA Year Wise

NPA Provisions

NPA Pri+Int

Overdue- NPA

Loan Charges

Guarantee

Liability Register

Loan Document

Loan No.

Report

Employee

Loans and

Employee

Report

Any Other

Exceeds Balance

Irregular A/Cs.

Limit Expiry

Guarantors


Details

due Date Register

Rate of Interest

Reports

Reports

Assets Report

Reports (SS.DI DII DIII)

Wise

Provisions

Pri+Int Break Up

NPA

Charges

Guarantee Details

Register

Document Register

Gl.No. Name Loan Outstanding

Wise Targets/Achievement Report

Recovery)

Wise Recovery (Area wise/Amount

Report Required By Bank and RBI

Balance List (ODCC)

A/Cs. (OD/CC)

Expiry Date (OD/CC) Report

Guarantors Check List

121

Overdue

Report (New

wise/Amount Wise)

Core Banking

User Manual

Doubts and

ALL THE ABOVE

C. OTHER BANKING

CLEARING,

TDS ON PAYMENTS,

REQUIRED REPORTS,

a) CLEARING

MENUS/SUB

1. OUTWARD

Clearing Booking

Clearing for

Sundry booking

Clearing passing

Clearing profile

Shadow balance

Posting of

Immediate

Returned cheques

Clearing charges

Clearing booking

Clearing query

Stolen instruments

Outward clearing


Manual for Loans Module to study and

and Other Purpose


BANKING SERVICES

CTS CHEQUES, REMMITTANCES, BILLS,

PAYMENTS, SERVICE TAX, INCOME TAX, REPORTS,

REPORTS, OTHER INFORMATION

CLEARING HOUSE

MENUS/SUB MENUS

OUTWARD CLEARING

Booking

for tomorrow

booking

passing

profile master

balance updating

clearing credit

Immediate posting of clearing credit

cheques

charges

booking charges

query

instruments

clearing import

122

and Clear the

OPTION

BILLS, LOCKERS,

REPORTS, AND

Core Banking

2. INWARD

Inward clearing

Inward passing

Cheque returned

Cheque returned

Inward clearing

3. REPORTS

Clearing report

Inward clearing

Cheque returned

Return clearing

Return main

Return small

Clearing main

Clearing small

Domestic main

Domestic small

General clearing

Outward clearing

National clearing

Stolen instrument

Discounted

Clearing slips

Clearing main

Branch clearing

Supplementary


CLEARING

clearing

passing

returned

returned passing

clearing amount

REPORTS

report

clearing report

returned memo

clearing report

main schedule

small schedule

main schedule

small schedule

main schedule

small schedule

clearing report

clearing report

clearing report

instrument report

Discounted cheques statement

slips

main schedule centralized

clearing list

Supplementary day book

123

Core Banking

Any changes

National clearing

User Manual

the Doubts

ALL THE ABOVE

b) REMITTANCE

1 OUTWARD

Remittance issue

Passing

Remittance profile

Gift cheque inventory

Gift cheque issue

Modify remittance

Duplication

Cancellation

Batch processing

Batch execution

Installation

2 INWARD

Response

Remittance

Inward

Marking

BC Stop

Passing


changes as per Negotiable Instrument Act

clearing system / rules etc.

Manual for Clearing Module to study



REMITTANCE

OUTWARD

issue

profile

inventory

issue

remittance

processing

execution

Response for remittances

Remittance payment

Inward BC clearing

Marking paid DDs

Stop payment

Passing

124

Act and

and Clear

OPTION

Core Banking

Draft advice

Draft payable

Stop payment

Duplication

3. REPORTS

Advice

TT confirmation

Remittance

Remittance

Remittance

Remittance

Remittance

Bank DDs

Bank BCs

Bank DDs

Remittance

Supplementary

User Manual

Clear the Doubts

ALL THE ABOVE

c) BILLS

1. BOOKING

Inward bills

Inward cheques

Outward cheques


advice report

payable

payment

Duplication

REPORTS

report

confirmation

Remittance received

Remittance issue

Remittance daily

Remittance outstanding register

Remittance cancellation/duplication registers

DDs printing

BCs printing

DDs (ICICI, ING VYSYA ETC) Printing

Remittance performance report


Manual for Remittances Module to study



BOOKING

bills

cheques

cheques

125

registers

study and

OPTION

Core Banking

Bill limit details

Bill parameterization

2. TRANSACTION

Inward Bills

Inward cheques

Outward Bills

Outward cheques

Passing

Bills returned/dishonored

3. REPORTS

Inward bills

Outward bills

Bills query

Bills advice

Supplementary

User Manual

Doubts and

ALL THE ABOVE

d) GUARANTEES

1. MAINTANANCE

Guarantee

Installation

2. TRANSACTION

Issue Details

Guarantee


details

parameterization

TRANSACTION

Bills Realization

cheques Realization

Bills Realization

cheques Realization

returned/dishonored

REPORTS

bills

bills

query

advice report


Manual for Bills Module to study and

and Other Purpose

OVE REPORTS SHOULD HAVE PRINTING

GUARANTEES

MAINTANANCE

Guarantee master

Installation

TRANSACTION

Details

Guarantee surrendering

126

Clear the

OPTION

Core Banking

Invoking

Passing

3 REPORTS

Supplementary

Guarantee

Liability

User Manual

Clear the Doubts

ALL THE ABOVE

e) LOCKERS

1. MASTER

Inventory

Rent details

Allotment

Non customer

Due date

2. TRANSACTION

Attendance

Rent payment

Passing

Attachment

Locker


Invoking guarantee

REPORTS


Guarantee wise report

Liability report

Manual for Guarantees Module to study



LOCKERS

MASTER

Inventory

details

Allotment

customer master

date modification

TRANSACTION

Attendance register

payment

Passing

Attachment

closure

127

study and

OPTION

Core Banking

3 REPORTS

Closed lockers

Lockers

Locker register

Remind

Active lockers/rent

Locker rent

Locker rent

Supplementary

User Manual

the Doubts

ALL THE ABOVE

f) MISCELLANEOUS

1. MASTER

Misc. Master

Inventory

Depreciation

Sundry/suspense

Installation

2. TRANSACTION

Entry

Passing

Depreciation

Batch posting


REPORTS

lockers report

Lockers availability report

register

Remind letter

lockers/rent due holders

rent payment (Active)

rent payment (closed)


Manual for Lockers Module to study and



MISCELLANEOUS

MASTER

Master

Inventory

Depreciation rates

Sundry/suspense type

Installation

TRANSACTION

Passing

Depreciation

posting

128

and Clear

OPTION

Core Banking

Batch execution

Suspense

Suspense

Sundry

Sundry

3 REPORTS

Inventory

Depreciation

IBIT master

Supplementary

Suspense

Sundry

User Manual

Clear the Doubts

ALL THE ABOVE

D. CASH MODULE

CASH AT CHEST,

LIMITS, BRANCH

REQUIRED REPORTS,

1. ENTRY

Opening

Transaction

Transaction

Closing

Cash close


execution

Suspense creation

Suspense reversal

Sundry creation

Sundry reversal

REPORTS

Inventory report

Depreciation report

master report


Suspense register

register

Manual for Miscellaneous Module to study



MODULE

CHEST, CASH AT COUNTER, CASH IN TRANSIT,

BRANCH WISE AND INSURANCE COVERAGE,

REPORTS, REGISTERS, OTHER INFORMATION.

ENTRY

Opening balance

Transaction entry

Transaction modification

Closing balance

close

129

study and

OPTION

TRANSIT, CASH

COVERAGE, AND

INFORMATION.

Core Banking

2. QUERY

Customer

3. REPORTS

Cash report

Cash scroll

Cash scroll

Cash scroll

Cash scroll

Cash closing

Chest balance

Chest cash

Chest cash

User Manual

Doubts and

ALL THE ABOVE

E. GENERAL MODULE

1. MASTER

User level

Employee

User rights

Bank master


QUERY

Customer Information

REPORTS

report

scroll

scroll any date

scroll group

scroll group (ATM)

closing denomination

balance

cash closing balance

cash opening balance

Manual for Cash Module to study and

and Other Purpose


MODULE

MASTER

level access

Employee

rights

master

130

Clear the

OPTION

Core Banking

Branch

Branch

Main ledger

Sub-ledger

GL maintenance

Account

Document

Holiday

Serious

Instrument

Inventory

Loose cherub

Interest

Tax rate

Service

Cheque

Master

Deceased

Deposits

2. CHEQUE

Cheque

Cheque

Stop/ un

Transfer

Loose cheque

Loose cheque

ATM Card

ATM Card


Branch master

Branch profile

ledger

ledger

maintenance

Account type

Document master

Holiday maintenance

Serious number

Instrument

Inventory

cherub

Interest rate

rate

Service charges

Cheque return code

Master reports

Deceased a/c. holder details

Deposits position

CHEQUE/ATM CARDS

Cheque book issue

Cheque book passing

un-used cheques

Transfer of cheque books

cheque issue

cheque passing

Card Issue

Card Passing

131

Core Banking

3. PROCESS

Back office

Journal

Journal

Journal

Standing

Standing

Standing

Standing

Standing

Ho product

Ho interest

Future

Relationship

Minimum

Balance

DICGC

DICGC

DICGC

Branch

Aadhar

Dispatch

Dispatch

Administrative

Hardware

NEFT/RTGS


PROCESS

office process

Journal entry (cash/transfer) expenses /income

Journal entry passing

Journal entry revocation

Standing instructions acceptance

Standing instructions lockers

Standing instructions execution

Standing instructions - BC batch

Standing instructions lockers execution

product updation

interest calculation

date product updating

Relationship banking

Minimum balance process

Balance confirmation report

Parameterization

Grouping

Process & Report

Branch reconciliation

Aadhar / SMS banking marking

Dispatch noting (inward)

Dispatch noting (outward)

Administrative orders noting

Hardware complaints

NEFT/RTGS noting

132

/income etc

Core Banking

4. TOOLS

Calculator

Note pad

Change

User creation

Synonym

Updating

Compress

Data entry

Holiday

Standing

Photos

5. REPORTS

Inventory

Loose cheque

Interest

Cheques

Loose cheque

Account

General

Main day

G.L. Report

Trail balance

Balance

Profit &

date

Consolidated

HO report


TOOLS

Calculator

pad

Change password

creation

Synonym creation

Updating of passing pending

Compress all signatures and photos

entry

Holiday maintenance

Standing instructions date modification

Photos & signatures

REPORTS

Inventory

cheque inventory

Interest rate report

Cheques details

cheque issue report

Account opened/closed register

General ledger codes/ types

day book

Report head-wise & day-wise

balance any date

Balance sheet any date

& loss a/c. (Income & Expenditure

Consolidated Receipts and payments any date

port

133

Expenditure a/c.)any

date

Core Banking

Transfer

Journal

JV expenditure

JV income

Standing

Total

supplementary

Voucher

Voucher

Automatic

Cheque

Old a/c.No.

Deceased

Exceptional

Deposits

Loans position

Branch

Other branch

Tele banking

ATM cards

Dispatch

Dispatch

Member

User Manual

the Doubts

ALL THE ABOVE


Transfer / clearing /remittance scrolls any

Journal vouchers report

expenditure report

income report

Standing instruction report

transaction (cash/transfer) combined

supplementary day book

Voucher printing report

Voucher printing report (group)

Automatic report

Cheque list for a/c

a/c.No. Report

Deceased a/c. holder report

Exceptional reports

Deposits position report any date

position report any date

Branch adjustments

branch transactions

banking letter

cards issue register

Dispatch list (inward)

Dispatch list (outward)

Member ship linking loans/deposits report

Manual for General Module to study and



134

date

combined -

report

and Clear

OPTION

Core Banking

6. RELATION

Relationship

Alphabetic

General

Address

Non- customer

7. SYSTEM

DB Administration

Lock management

A/C. operation

Exceptional

Audit trial

8. ADD ON

Financial

Pigmy/Daily

Any other

9. CHANGE

10. HELP

Help contents

User rights

About the

User Manuals

11. STATUTORY

ALM, AML

SECTION etc


RELATION QUERY

elationship banking

Alphabetic listing

General query

Address query

customer query

SYSTEM ADMINISTRATION

Administration

management

operation mode

Exceptional reports

trial

ON MODULE

Financial Inclusion Door to door banking

Pigmy/Daily deposit scheme

other needs

CHANGE LOGIN

HELP

contents

rights corrections

the vendor

Manuals of All Modules for reference.

STATUTORY REPORTS

(FIU, CTR, STR), OSS, PRIORITY SECTOR,

etc

135

SECTOR, WEAKER

Core Banking

2 E-BANKING

ANY BRANCH BANKING,

SMS BANKING,

TELEBANKING,

MOBILE BANKING,

FINANCIAL INCLUSION,

TOUCH SCREEN

ATM, RUPAY DEBIT

BILINGUAL (TELUGU

RTGS, NEFT,

INTERNET BANKING

RECONCILIATIONS

Banks, and Banks

INTERFACE PRODUCT

Printing Facility

Entered By Users),

Book (Current,

Certificate, Form

Recovery Notices,

Reports, What

DISASTER RECOVERY

Disaster recovery

Data back-up

F. LOANS RECOVERY

Allotment of loans


BANKING

BANKING,

BANKING,

BANKING,

INCLUSION,

SCREEN KIOSK,

DEBIT CARD,

(TELUGU INTERFACE),

BANKING

RECONCILIATIONS (Branch to branch, Current a/c

Banks having interface transactions),

PRODUCT / SWITCHING SUPPORT.

Facility for Vouchers (System Generated

Users), F.D Receipts, Share Certificates,

(Current, Savings, Loans) Interest/d

Form 16a, Balance Confirmation Letters,

Notices, And Daily Reports, RBI

What Ever Necessary,.

RECOVERY

recovery planning

up strategy

RECOVERY MODULE

loans recovery to staff wise

136

with other

Generated And

Certificates, Pass

Interest/dividend

Letters, Loan

And MIS

Core Banking

NPA, Recovery

Execution on

OTHERS

1 AUDIT TRIAL

2 AML MODULE

3 MANAGER

Deposits Position,

Loans Position,

C.D Ratio,

NPA Position,

List of Non - Submission

Any other important

4 SUPPORT TO

5 ALL RBI MASTER

BRANCH MODULES

2. HEAD OFFICE (MODULES)

A. HO GENERAL LEDGER

SUPPLEMENTARY

BALANCE, BALANCE

REPORTS

MENUS-SUBMENUS

1. MASTER

Receipts and payments


Recovery

NPA Loans,

TRIAL MODULE

MODULE

MANAGER VIEW SCREEN AS ON TIME AND PREVIOUS

Position,

Position,

Submission of reports like DICGS, DEAF, FIU

important features

TO BIOMETRIC ATTENDANCE of staff members

MASTER CIRCULARS IMPORT FACILITY TO

MODULES FROM TIME TO TIME FOR VIEW.

(MODULES) SOFTWARE

LEDGER

DAY BOOK, DAY BOOK,GENERAL LEDGER,

BALANCE SHEET, P&L A/C. RECEIPTS &PAYMENTS

SUBMENUS

payments window

137

PREVIOUS DAY.

FIU ETC

members

TO CONCERN

VIEW.

LEDGER, TRAIL

&PAYMENTS ETC.

Core Banking

Parameterization

HO interest provision

Interest process

2. TRANSACTIONS

GL entry

GL entry passing

Revoke


3. PROCESS

Data base back up

4. REPORTS

Main day book

Trial balance

Balance sheet

P & l a/c.


GL head wise transaction

Liquid assets report

Combined supplementary

Interest provision

Journal entry report


Parameterization of B/S, P&L, TB

provision process

process on Inter branch transactions

TRANSACTIONS

passing

payments process

up

payments

transaction listing

report

supplementary report

provision report

report

138

Core Banking

B. SHARES MODULES

OPENING OF

ANOTHER

REPORTS, OTHER

MENUS-SUBMENUS

1. SHARES

Shares Issue

Shares details

Issue authorization

Share withdrawal

Share transfer

Withdrawal

Members’

Share holder’s

Shares to

Installation

Installation

Share amount

Modification

Members’

Voters list

Nominee

Change of

Deceased

2. DIVIDEND

Dividend calculation

Dividend payment


MODULES

OF MEMBERSHIP, WITHDRAWALS, TRANSFERS

MEMBER AND DIVIDEND PAYMENTS,

OTHER INFORMATION ETC

SUBMENUS

Issue

details modification

authorization

withdrawal

transfer to another member

Withdrawal /transfer authorization

Members’ liability details

holder’s types, parameterization, and inventory

Loan linking

Installation

Installation modification

amount cross check

Modification of share amount

Members’ attendance for General Body

list

marking

of nominee

Deceased share holder’s share to nominee

DIVIDEND

calculation

payment

139

TRANSFERS TO

REQUIRED

inventory

Core Banking

Dividend authorization

Unclaimed

Unclaimed

Above 3 years

3. QUERY

Customer

Share a/c

Dividend transaction

Photo signature

4. PRE-PRINTED

Share certificate

Dividend warrants

Unclaimed

Share intimation

Share ID printing

Dividend vouchers

5. REPORTS

Share individual

(Gl.No. name,

etc)

Share capital

wise, age

Share capital

amount)

Members

Voters list


authorization

Unclaimed dividend

Unclaimed dividend year wise

years unclaimed dividend transfer to

Customer query

query

transaction query

signature

PRINTED STATINARY

certificate

warrants

Unclaimed dividend notice

intimation

printing

vouchers

REPORTS

individual ledger

name, address, date, amount, No.of

capital outstanding balance report

wise, male/female, caste OC BC ST

capital outstanding balance report (Sl.No.

Members list with addresses

list with area and addresses

140

to RF

No.of shares

(amount

SC)

(Sl.No. Gl.No.

Core Banking

Shares issued

Shares withdrawal

Shares supplementary

Transaction

Dividend payment

Unclaimed

Unclaimed

Above 3

report

Members’

Share parameterization

B class share

Members’

meeting

Share ID card

Any other

Co-op. department

C. CENTRALISED GL

DAY BOOK,

BALANCE SHEET,

AND CO-OPERATIVE

MENUS-SUB

1. MASTER

Branch master

Branch main

Branch sub


issued reports (issued between dates)

withdrawal reports (withdraw between

supplementary report

Transaction report

payment report (between dates)

Unclaimed /outstanding dividend report

Unclaimed dividend year wise

years unclaimed dividend transfer

Members’ liability list

parameterization report

share holders list

Members’ attendance report for General

card issued report

other report required by the Bank or

department

GL REPORTS

BOOK, G.L, TRIAL BALANCE, RECEIPTS AND PAYMENTS,

SHEET, PROFIT AND LOSS A/C. (AS PER

OPERATIVE ACT) HEAD WISE GL REPORTS.

SUB MENUS

MASTER

master

main ledger

sub ledger

141

dates)

between dates)

transfer to RF

General body

PAYMENTS,

PER B.R ACT

REPORTS.

Core Banking

GL maintenance

Types

2. PROCESS

Receipts &

Consolidated

CGL GL extracts

Between dates

Depreciations

Depreciations

3. REPORTS

Branch wise

Branch wise

Branch wise

Branch wise

Branch wise

Centralized

PAYMENTS,

Centralized

Centralized

(As per BR

Centralized

OB)

(As per BR

Centralized

Depreciations

Depreciations

Branch wise


maintenance

PROCESS

& payments closing balance updating

Consolidated Receipts & payments process

extracts process

dates Receipts & payments process

Depreciations branch wise

Depreciations centralized

REPORTS

wise Receipts & payments

wise Trial balance

wise Balance sheet

wise Profit & loss a/c

wise GL Head wise day wise

Centralized Receipts & payments (OB.RECEIPTS

PAYMENTS, BALANCE)

Centralized Trial balance (WITH REVIOURS YEAR

Centralized Balance sheet (WITH REVIOURS YEAR

BR Act. & co-op.Act.)

Centralized Profit & loss a/c (WITH REVIOURS

BR Act. & co-op.Act.)

Centralized GL Head wise day wise

Depreciations branch wise

Depreciations centralized

wise Day Book

142

updating

process

(OB.RECEIPTS,

YEAR OB)

YEAR OB)

REVIOURS YEAR

Core Banking

Centralized

Consolidated

& Total Balance)

Consolidated

as on date

General ledger

Balance (showing

Consolidated

Balance) as

Consolidated

Total Balance

Consolidated

Total Balance

Audit report

Balance sheet

BALANCE)

P & L enclosures

Income

BALANCE

Expenditure

BALANCE)

Trial balance

BALANCE)

LEDGER CODE

D. PAYROLL

MONTHLY

EMPLOYEE


Centralized Day Book

Consolidated loans and advance (showing each

Balance) as on date

Consolidated deposits (showing each branch

date

ledger Balances as on date consolidated

(showing each branch & Total Balance)

Consolidated income (showing each branch

as on date

Consolidated expenditure (showing each branch

Balance as on date)

Consolidated expenditure (showing each branch

Balance period wise) (from – to)

report enclosures

sheet enclosures (OB, RECEIPTS, PAYMENTS

BALANCE)

enclosures (OB, RECEIPTS, PAYMENTS, BALANCE)

enclosures OB, RECEIPTS, PAYMENTS

Expenditure enclosures (OB, RECEIPTS, PAYMENTS

BALANCE)

balance enclosures (OB, RECEIPTS, PAYMENTS

BALANCE)

CODES AND TYPES

PAY BILL, DEDUCTIONS, P.F, LIC, INCOME

MASTER (EMPLOYEE FULL PARTICULARS,

143

each branch

branch & Total)

consolidated

Balance)

branch & Total

branch &

branch &

PAYMENTS,

BALANCE)

PAYMENTS,

PAYMENTS,

PAYMENTS,

INCOME TAX,

PARTICULARS,

Core Banking

ADDRESS,

INFORMATION

MENUS-SUB

1. MASTER

Grade master

PF master

Profession

Pay roll parameterization

Leave encashment

Bonus/ exgratio

Festival advance

Allowance

Deduction

Employee

Employee

Employee

Staff increments

2. ALLOWANCES

Dearness

HRA / CCS

Other allowances

3. DEDUCTIONS

Loss of pay,

LIC/GLIC

PF


CELL NO. ETC.) AND REQIRED

INFORMATION

SUB MENUS

MASTER

master

master

Profession tax master

parameterization

encashment parameterization

exgratio parameterization

advance parameterization

Allowance type master

Deduction type master

Employee master

Employee allowances, deductions master

Employee targets

increments

LLOWANCES

allowance

CCS allowance

allowances

DEDUCTIONS

pay, Earned Leave maintenance

144

REPORTS,

Core Banking

Festival Advance

Housing Loans

Salary advance/SSAOD

Profession

Income Tax

Club/union

Other deductions

4. PROCESS

Pay bill generation

Bonus/ex-

Leave encashment

Retirement

Festival advance

Loan deduction

STAFF SB

5. REPORTS

Employee

D.A master

HRA/ CCA

Profession

PF details

LIC/GLIC report

Income tax

Income tax

Loss of pay

Pay bill

employee


Advance

Loans

advance/SSAOD

Profession Tax

Tax

Club/union subscription

deductions

PROCESS

generation

-gratio generation

encashment generation

Retirement surrender leaves bill generation

advance bill generation

deduction export

a/c credit export

REPORTS

Employee master details report

master report

CCA Master report

Profession Tax master report

details report

report

tax deduction report

tax deduction report 2

pay maintenance report

(Date/month, branch wise, centralized

employee wise)

145

centralized

Core Banking

Pay slip report

Employee

Employee

PF deducted

LIC/GLIC deducted

Profession

Festival advance

Salary advance/SSAOD

Housing loans

Other dedu

Bonus / exgratio

Leave encashment

Retirement

Festival advance

Net salaries

Other reports

Staff leaves

Staff attendance

impression)

Staff service

Staff addresses

Staff performance

Staff increment

E. INVESTMENTS

INVESTMENTS

OTHER BANKS,

AND LEDGERS

MENUS-SUB


report (Individual)

Employee master seniority wise

Employee list

deducted report

deducted report

Profession tax deducted report

advance deducted report

advance/SSAOD deducted report

loans deduction report

deduction report

exgratio bill

encashment bill

Retirement surrender leave bill

advance bill

salaries report (Staff a/c. wise/Branch wise)

reports required by the Bank

leaves register

attendance registers (Biometric

impression)

service register

addresses including cell Nos.

performance report

increment due date list

INVESTMENTS IN GOVT. SECURITIES and OTHERS,

BANKS, INSTUTUIONS ETC. AND REQUIRED

LEDGERS

SUB MENUS

146

wise)

(Biometric thumb

OTHERS, FDs in

REQUIRED REPORTS

Core Banking

1. MASTER

F.Ds details

Govt. securities

Non-SLR securities

Reserve fund

Call money

Opening/installation

Authorization

Closing

Authorization

Investments

Modification

Interest provisions

Process on

date

Investment

2. QUERY

Investment

Investment

Cumulative

Maturity query

3. REPORTS

F.Ds details

Govt. securities

Non-SLR securities

Reserve fund


MASTER

details

securities details

securities details

fund details

money investment deposits

Opening/installation

Authorization

Authorization

Investments interest application

Modification

provisions

on Interest accrued on investments

Investment Depreciation/Fluctuation reserve

Investment query (FDs/securities/call money

Investment interest query

Cumulative interest query

query

REPORTS

details Report

securities details report

securities details report

fund details report

147

investments on any

reserve process

money etc

Core Banking

Call money

Total investments

Interest accrued

Investment

Investments

Investments

Investment

Interest due

Interest earned

Interest earned

Average interest

Investments

Investments

Investments

date, due

interest earned/posting)

Outstanding

SLR investments

Non SLR investments

FDs with other

Other investments

Investments

4. HELP

INVESTMENT

INVESTMENT


money investment deposits report

investments report

accrued on investments on any date

Investment Depreciation/Fluctuation reserve

Investments opened between dates

Investments closed between dates

Investment due date register

due date register

earned on investments during the period

earned on Reserve fund

interest (yield) on investments

Investments maturity wise break-up as on date

Investments interest wise break-up

Investments register (containing investment

due date, amount rate of interest, period,

earned/posting)

Outstanding investments (all types) as on date

investments as on date


other Banks as on date


Investments maintained with banks %

INVESTMENT MASTER CIRCULAR (VIEW)

INVESTMENT POLICY (VIEW)

148

reserve

period

date

investment details,

period, and

date

Core Banking

F. HEAD OFFICE CLEARING

MENUS/SUB MENUS

1. OUTWARD

Clearing Booking

Clearing for

Sundry booking

Clearing passing

Clearing profile

Shadow balance

Posting of

Immediate

Returned

Clearing charges

Clearing booking

Clearing query

Stolen instruments

Outward clearing

Branch wise

2.INWARD

Inward clearing

Inward passing

Cheque returned

Cheque returned

Inward clearing

Branch wise


CLEARING

OUTWARD CLEARING

Booking

for tomorrow

booking

passing

profile master

balance updating

of clearing credit

Immediate posting of clearing credit

cheques

charges

booking charges

query

instruments

clearing import

wise out ward clearing report

CLEARING

clearing

passing

returned

returned passing

clearing amount

wise in ward clearing report

149

Core Banking

3.REPORTS

Clearing report

Clearing report

Inward clearing

Inward clearing

Cheque returned

Return clearing

Return main

Return small

Clearing main

Clearing small

Domestic

Domestic

General clearing

Outward clearing

Outward clearing

National clearing

Stolen instrument

Discounted

Clearing slip

Clearing main

Branch clearing

Supplementary

Any changes

National clearing


3.REPORTS

report

report branch wise

clearing report

clearing report branch wise

returned memo

clearing report

main schedule

small schedule

main schedule

small schedule

main schedule

small schedule

clearing report

clearing report

clearing report branch wise

clearing report

instrument report

Discounted cheques statement

slips

main schedule centralized

clearing list


changes as per Negotiable Instrument Act

clearing system / rules etc.

150

Act and

Core Banking

G. MISCELLANEOUS/MINITES/INVENTORY/STATIONARY

MENUS/SUB MENUS

1. MASTER

Loan applications

Misc. Master

Inventory

Depreciation rates

Maintenance / obligation

Installation-inventory

Scheme / organization

Purpose master

Priority master

Loan export

Loan Minutes

Loan Minutes modify

Shares minutes

Shares minutes

Share refund minutes

Share refund minutes

Budget targets

Budget achievement

2. TRANSACTION

Entry

Depreciations


MISCELLANEOUS/MINITES/INVENTORY/STATIONARY

MENUS

applications

rates

obligation

inventory

organization master

modify

admission

admission modify

minutes

minutes modify

achievement

151

Core Banking

3. REPORTS

Inventory Codes

Inventory report

Inventory transactions

Inventory transaction

Maintenance obligation

Depreciation report

Minutes

Sanctioned of loans

Loans to A class

Loans to staff

Admission of A Class

Transfer of Share

Refund of A class

Approval of expenditure

Budget

Budget achievement

Budget achievement

H. RBI MIS STATEMENT

MENUS-SUB

1. MASTERS

RBI maser

CRR & SLR

CRR & SLR

Fluid register


Codes

report

transactions

transaction O.B/ C.B

obligation

report

loans and advances

members

Class members

Share capital

class members

expenditure

achievement Bank wise

ment branch wise

STATEMENT

SUB MENUS

MASTERS

maser

SLR parameterization

SLR required amount / %

register process

152

Core Banking

2. REPORTS

MONTHLY

Form I

Form II

Form IX

Monetary

Daily call &

AML (CTR

QUARTERLY

Form VI

Advances

Loans against

Frauds Form

Frauds Form

Frauds Form

Frauds Form

ALM STATEMENTS

1. Asset &

2. Interest

3. Structural

4. Short term

Advance tax

OSS REPORTS

I Statement of

II Statement of

III Statement


REPORTS

Monetary aggregates

& short notices

(CTR, STR, FIU IND) Reports

QUARTERLY REPORTS

granted to directors & their relatives

against share and debentures

Form I

Form II

Form III

Form IV

STATEMENTS

Liabilities maturity pattern

rate sensitivity

Structural liquidity

term dynamic liquidity

tax calculation (proposed)

of Asset & Liabilities

of Earnings

of Asset Quality

153

relatives

Core Banking

IV Statement

V Statement of

VI Connected

VII CRAR

VIII Bank Profile

OTHER REPORTS

UCBs invested

Certificate from

Quarterly progress

Priority sector

DICGC DI 0I and

RBI survey of

Form VIII Deposits

DEAF reports

SB Deposits aggregate

income tax department

Priority sector

RBI Inspection

RBI Inspection

Average interest

Average interest

Average interest

Deposits amount

Loans amount

Overdue analysis,

And other MIS

Interest rate wise


Statement of Non performing assets

of segment / sector wise advances

Connected lending

Profile (yearly once)

REPORTS

invested in other UCBs/Institutions

from statutory Auditors on Govt. Securities

progress report

sector and weaker section advances

and other statement

of advances against sensitive commodities

Deposits not operating from more than

reports

aggregate 10 lakhs Deposits report

department

sector advances credit flow to minority

Inspection reports 1 to 10

Inspection supporting reports 1 to 24

interest on deposits

interest on loans

interest on investments

amount wise/period wise analysis

amount wise period wise analysis

analysis, period wise

MIS reports required as and when

wise analysis of deposits

154

Securities

commodities

than 10 years

report (AIR) to

Core Banking

Interest rate wise

Purpose wise

Security wise

Sector wise analysis

Budgets monitoring

I. GENERAL

MENUS-SUB MENUS

1. MASTERS

User level access

Employee

User rights

Bank master

Branch master

Branch profile

Main ledger

Sub-ledger

GL. Maintenance

2. PROCESS

Back office process

(DAILY BACK-END

3. TOOLS

Calculator

Note pad

User creation

Change password

Synonym creation


wise analysis of loans



analysis of loans

monitoring

MENUS

access

Maintenance

process centralized

END PROCEDURE)

password

creation

155

Core Banking

J. BANKER’S ACCOUNT

K. CENTRALISED POLICIES

L. DINAMIC REPORT

M. C.E.O. / CHAIRMAN

CENTRALISED

CRAR, CRR, SLR

of reports like

Any other important

NOTE: ALL THE USER MANUALS

WITH SOFTWARE LICENCE.

DELIVERY CHANNELS AND

� ATM SWITCH INTERFACE

� INTERNET BANKING INTERFACE

� MOBILE(SMS) BANKING

� PHONE BANKING

� ALERTS

� RTGS/NEFT,AUTHAR LINKED

� KIOSK AT BRANCHES

INCLUSION)

IMAGING MODULES

� SIGNATURE STORAGE

� PHOTOS AND IMAGES

SYSTEM ADMIN & SECURITY

� ACCESS CONTROL, CREATING

BRANCHES OF CUSTOMER


ACCOUNT RECONCILLIATION

POLICIES APPLICATION

REPORT BUILDER MODULE

CHAIRMAN VIEW SCREEN

DEPOSITS, LOANS, NPA, POSITION, C.D

SLR AS ON BEFORE DATE, List of Non - Submission

like DICGS, DEAF, FIU ETC

important features

MANUALS SHOULD BE SUPPLIED TO THE BANK

LICENCE.

AND SWITCH/INTERFACES

INTERFACE

INTERFACE

BANKING

LINKED

BRANCHES AND FOR DOOR TO DOOR BANKING (FINANCIAL

STORAGE AND RETRIEVAL

IMAGES STORAGE & RETRIEVAL

SECURITY

CREATING & MAINTAINING USERS ACROSS

CUSTOMER

156

C.D RATIO,

Submission

BANK ALONG

(FINANCIAL

ACROSS ALL

Core Banking

� VERY FAST START AND

� AUDIT TRAIL

� SHADOW DATABASE MANAGEMENT

� AUTO BACKUP AND RESTORE

360/24X 7 DEGREE VIEWS

OPERATIONS)

ALL THE ABOVE REPORTS

Commercial Bid

COST QUOTATIONS

(TO BE SUBMITTED IN A SEPARATE

Cost quotations must be itemized

operating system, license fees,

documentation, annual maintenance

Costs should be itemized by software

base system, the included modules

license fee, the installation/customization/

package, and the annual maintenance

breakdown should be repeated

service. As much as possible, it

brought forward from each detail

The RFP response should provide

proposed, and documentation.

associated costs, if applicable.

Commercial BID

S.No Description

1 Core Banking Software for

Office and 11 Branches

2 Head office Automation


AND END OF DAY (SOD,EOD)

MANAGEMENT

RESTORE UTILITIES

VIEWS OF CUSTOMERS (ROUND THE CLOCK

REPORTS SHOULD HAVE PRINTING OPTION

Bid (Part-II)

SEPARATE SEALED COVER)

itemized and include all costs (e.g., recommended hardware

fees, implementation and training, travel and per diem

maintenance and support, and hourly rates in case of T & M

software module. If the majority of the modules are

modules should be listed, along with the separate

installation/customization/ conversion costs for the package, the training

maintenance fees for the first five years of maintenance.

repeated in detail for each optional software module or other

it should be in chart form. A summary cost sheet showing

detail sheet covering the entire submission should also

provide complete data on all initial costs to license the software

documentation. Indicate the modules included with each software

Qty Rate Value Customization

for Head

157

CLOCK BANKING

hardware platform,

diem charges,

M basis ).

are included in a

costs for the

training for the

maintenance. This

other optional

showing totals

also be provided.

software being

software system and

Remarks

Please use a

separate table

/ sheet if

Core Banking

3

Electronic Fund Transfer

Switching Solution with

Issuance and Management,

Reconciliation for driving

existing ATMs of the Bank

also Integrating with NPCI

Issuance of Rupay Cards

4 Document Management System

4 Rupay ATM Cards as per

Specifications

5 Card Personalization Charges

6 PIN Mailer Stationary

7 IMPS

8 Hardware & III Party Software

Compatible to IPv6

9 Data Centre and DRC

10 UCIC Charges per record

11 Connectivity Compatible to

12 Others, if any.

Recurring Costs for 5 years

S.No Description


Transfer

with Card

Management,

driving the

Bank and

NPCI for

System

per NPCI

Charges

Software

to IPv6

Qty Rate Value Remarks

158

required

however the

total amount

should be

mentioned in

this table

Remarks

Core Banking

Software License Cost:

List all the software that needs

clearly the no. of licenses, versions,

that will be used. Please indicate

below is only indicative.

Sl. No. Description


needs to be procured for running the application. Please

versions, etc., required. Also indicate any freeware or

indicate the one time as well as annual recurring cost.

Type of

License Qty Rate Value AMC

from 2nd

------End of Document------

159

Please indicate

or open source

cost. The list given

Rate nd

year Remarks

Date post:	30-May-2018
Category:	Documents
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