2009 Software Reviews2

2009 Software Reviews
Company's Name: Infrasoft Technologies Limited
Software's Name: OMNIEnterprise for Microfinance

*Description items mentioned below with capital letters are either branded in "OMNIEnterprise" as such or are part of marketing keys.
ITEMS CHOICE LISTS FREE ANSWERS / DESCRIPTIONS / COMMENTS
Contact information of the person who fills the
questionnaire:
Name Atul Pande / Rajesh Mirjankar
Head of Products Business- UK / President, Enterprise Solutions &
Position
Services Group
e-mail address atul.pande@infrasofttech.com / rajesh.mirjankar@infrasofttech.com
(+44) 2073324780; (+44) 7917794172 / (+91) 22 6776 4000; (+44) 20
Phone number
73324780
Since when are you working with this institution? 30 Months / Since inception
COMPANY PROFILE
Contact Details
URL www.infrasofttech.com
Infrasoft Technologies Limited
20 King Street
London
Postal address
EC2V 8EG - U.K.
Country United Kingdom

Region Europe_and_Central_Asia
Fax number (+44) 2073324781
Sales representative Atul Pande
Technical manager Ashutosh Jha
Established since Year 1995
Status Other Closely held Public Limited Company
Description Sum of No. of Shares Sum of Shareholding
Barings/FII : 53.22%
Employees / Others : 2.31%
Employees Trust : 0.22%
Main shareholders (with % of shares)
Financial Promoters : 27.16%
Founder Promoters : 16.71%
NRI other than Company : 0.38%
Grand Total : 100.00%
Turnover and Results last 3 financial years
Turnover:
2008-09 :22 Million USD
Company's turnover 2007-08 :20.9 Million USD
2006-07 :17 Million USD
2005-06 :12.7 Million USD
Turnover linked to microfinance activity between 15 to 20 %
Net Profit
2008-09 : 1.89 Million USD
Company's net profit 2007-08 : 58,329 USD
2006-07 : 2,213,834 USD
2005-06 : 2,313,313 USD
Profit link to microfinance activity 12 to 15 %
Staff
Whole company staff 500+
Core Banking / Microfinance Systems Staff 220
Sales & marketing CBS staff 20
Implementation & training CBS staff 75
Technical support CBS staff 45
Product development CBS staff 70
Management & administration CBS staff 10
Other 280+
Other softwares / services that your company
provides
All are branded as Anti Money Laundering - Universal Banking; Anti
Softwares Money Laundering; Wealth Management; Islamic Banking;
Donor/Investment fund portal; Brokerage Trading
We have a separate services division - Application development and
Services Management; Migration and Integration; Application Testing, Support and
Maintenance; Frameworks
Has your company set up partnerships for the
microfinance market?
with Microfinance Institutions? YES
Page 1 of 15

with Resellers? NO However we are setting up partners in various geographies
with Consulting companies? YES Discussions are on with two companies
with NGO's? NO
with other type of institutions? NO
Partner with the Network MFI

Create an affordable solution (Total cost of ownership) for the MFI market
Main evolutions since 3 years
Offering dual solutions - Banks branching out to MFI markets in emerging
economies.
Partner with additional Networks
Create Business Partners in wider geographies - Latin America and
Trends for next 3 years Europe
Banks, Investors setting up green field MFIs
Mobile Banking
OMNIEnterprise for
SOFTWARE OVERVIEW
Microfinance
Software versions
Date of 1st release 10/5/01
Number of releases Major version releases- 2
Latest version number 3.0.01
Number of installations latest version (nb of MFI) 3
Number of installations previous version 65+
Date of last released version 10-Jan-09
Date of next release (if already planned) Not yet fixed
Average release frequency InfrasoftTech releases new version in every 12-18 months period
Patches and updates integration tool YES Released to clients under the warranty & annual maintenance contract
FTP server for patches download NO FTP server for patch download is not secure and hence not applicable
Type of institutions targeted
Commercial Banks YES
Microfinance Banks YES
Community Banks (limited service area) YES
Finance Companies YES
Savings and Credit Associations YES
Cooperatives and Credit Unions YES
Non-profit Organizations YES
Others YES Brokers, Forex Dealers, OTC traders
Market references
95+ (for OMNIEnterprise suite of solutions)
Number of operating clients in 2006/2007/2008/2009
Number of operating microfinance clients in 2006/2007/2008 27 This

includes organisations/Institutions involved in the business of Community/
Group Lending & Rural Banking, who provide loans to its members
through group savings. In India, Co-operative/Rural/Grameen Banks has
been contributing towards financial inclusion by providing small tickets
loan to poor populace in rural areas.
Lowest and highest number of branches within MFI clients Lowest number of branches- 3; Highest number of branches- 353
Average number of branches per client
Lowest number of accounts- 28,000; highest number of accounts- 1
Lowest and highest nb of accounts handled within MFI clients
million
Number of microfinance clients by country (2008)
Number of microfinance clients by country (2009) Year 2008- Total 27
Year 2009- Total 26 (count by region below)
Europe and Central Asia :1
Sub Saharan Africa : 0
East Asia and Pacific :0
South Asia :22
Middle East and North Africa :2
Latin America and Caribbean :1
Page 2 of 15

Ethiopia
Ecuador
Bolivia
Number of ongoing installations by country Peru
Cambodia
Kenya
India
Number of clients in 2006/2007/2008 by type 2006:34 / 2007:44 / 2008: 66/ 2009:99
Commercial_Banks 2006:2 / 2007:3 / 2008:4 /2009: 7
Microfinance_Banks 2006:0 / 2007:0/ 2008: 1/2009:9
Community_Banks (limited service area)
Finance_Companies 2006:0 / 2007:0/ 2008: 2/ 2009: 2
Cooperatives_and/or_Credit Unions 2006:29 / 2007:38/ 2008: 55/2009: 76
Non_profit_Organizations
Savings_and_Credit_Associations 2006:0 / 2007:0/ 2008: 1/ 2009: 1
Other(Gramin) 2006:3 / 2007:3/ 2008:3/2009: 4
Commercial offices (including resellers)
Number of commercial offices 5
Head Quarters & India Operations

Trade Star, A-Wing, 6th Floor
Andheri-Kurla Rd, Andheri (East), Mumbai – 400059, INDIA
Tel: +91 22 66492222,
Fax: +91 22 66492233
Email: corporate@infrasofttech.com

20 King Street, London EC2V 8EG
United Kingdom
Tel: +44 207 332 4780; Fax: +44 207 332 4781
Email: london@infrasofttech.com

2nd Floor, Lincoln Chambers,
31 Broad Street, St. Helier,
Location of commercial offices
Jersey JE4 3RR
Tel: +44 1534 745222; Fax: +44 1534 769805
Email: london@infrasofttech.com
Infrasoft Technologies FZ-LLC

# 301 Building EIB No. 04,
Dubai Internet City, Dubai
Tel: +971 4 369 4278/9;
Fax: +971 4 4293609
Email: me@infrasofttech.com
Infrasoft Technologies FZ-LLC

622 Venture Capital House,
6th Floor, Building No: 247, Block: 317,
Road: 1704, Diplomatic Area, Manama,
Kingdom of Bahrain
Tel: +973 17518777, +973 17518788; Fax: +973 17518797
Email: me@infrasofttech.com
Support center (including resellers)

Number of support centers 3
Global Support Center:

Trade Star, A-Wing, 6th Floor
Location of support centers
Andheri-Kurla Rd, Andheri (East), Mumbai – 400059, INDIA
Tel: +91 22 66492222,
Fax: +91 22 6649223
UK and Middle offices help in the support processes in special cases
Support center staff (number of people) 45
A unique number is given to each of our customer to call. We also do
Hotline other support via web (secure remote access to client server), email and chat
other than phone and onsite/on call support
Support in which languages English, local Indian
Technical documentation available YES
User documentation available YES
User club existence YES
Page 3 of 15

Feature- PDA based Banking
Donor Portal
More flexible System Architecture
Completely web based
Main evolutions since 3 years
More databases are tested
Full parameterization,
Global Coverage
Outreach through Partners
Trends for next 3 years
Over the next 3 years a number of enhancements are planned across the
product, in the following areas:
1. Regulatory Compliance: Recent changes to consumer credit directives,
mainly in the European markets, have called for a number of changes in
the way the microfinance loans engine should function. These changes
are mainly to do with calculation of early settlement rebates, charges,
fees, etc. Although the product currently has such features within the
Forecast features under development for the software YES engine, the same shall require some configuration in order to make it fully
compliant with such evolving regulatory guidelines.
2. Localization: Given the diverse geographies in which the product is
planned to be rolled out in the next 2-3 years, the product shall be
undergoing country specific localization for a number of geographies. This
shall be achieved by means of further parameterization across a number
of modules within the product
In lines with current market dynamics, following are the key areas of
innovation planned:
1. Shrink wrapping additional Universal Banking modules to allow access
for Microfinance
2. Creating a system for virtual operation.
Further innovation in pipeline for microfinance market YES 3. Enhancing the remote management capabilities. *Virtual
operation means providing support/services to client without having
physical branches where one operates. It enables financial institutions to
expand the reach at very nominal cost. It is supplemented by
technologies such as SMS, PDA and Kiosk
We are currently working with partners who would be offering a complete

Outsourcing YES service - Solution/Implementation; Business process outsourcing to all
levels of MFIs
We are looking at targeting all tiers of MFI segment and make product
Targeted new clients for next 3 years
versions flexible enough to address these in the next 1-2 years.
According to you, who are your (3 main)
competitors as microfinance software editor?
There are many competitors in the market with varying strengths - Each
has varying degree of matching functionality, presence, inclination,
Current competitors
support capability. Some products which are regularly seen are- Emerge-
Tremens; Bankers Realm - Craft Silicon; Abacus One world - Fern.
Estimated future competitors Flex cube - Oracle in addition to others
Very Strong Lending ( to suite all types- simple and complex, including
Group Lending);
Proven offline processing capability;
The five major strengths of your software
Multi Entity, Multi Lingual, Multi Currency, Multi Time zone;
Agent management; PDA based banking/Loans
Fully parameterized
FUNCTIONAL COVERAGE
Client Information Management core banking system
OMNIEnterprise Client Information Form has the capability to capture all

details of the client & arrange/ group them in tabular form such as
Personal Details, Financial Details, Family Details, Employment Details
Client data such as name, marital status, age, gender, address
(home and work) and activity…
YES etc. We also provide option of Dynamic field addition in the forms for
capturing any additional data, if required, without any dependency on us.
Page 4 of 15

OMNIEnterprise Client Information Form has the capability to create a
Head Office, Create Branch(as) & link them to Head Office, create
Centers & link them to Branches, register Groups & Individuals as
customers & then link the Individuals to the Groups & the Groups to the
Group clients data such as name, status, members (nab / list),
YES
Center.
leader, creation date, meeting date OMNIEnterprise has a provision to define the Role of the Individual
customer as a member of the Group, such as Group Leader, President,
etc.
The Center Meeting Day, time & location is also captured in the Center
creation form.
OMNIEnterprise captures detailed information about the Village in which
the Center Meeting is to be held. Also, the frequency of the meeting, the
Village data such as name, location, status, groups (nab / list),
YES
Meeting Day, Time, the Groups attached to the Center can also be
leader, registration date captured. OMNIEnterprise has provision to capture the attendance of
Group Leaders at the meeting & generate various MIS reports on the
basis of data captured.
Facilities to check client behaviour - i.e. credit and deposit status and YES We do have a single screen from where all assets & liabilities of a client
history (either from external or internal sources) can be viewed such as, client's past behaviour/pattern of payments.
Historical data on clients (including deleted, cancelled, rejected and YES Yes. OMNIEnterprise captures all the history for the loan application,
closed loans) customer registration and account details as long as it is not
purged/archived.
In the product demonstrated, the system doesn't allow to register
prospect. However, there is a separate module which allows the user to
capture prospects details and various stages in the sales maturity cycle.
Able to track clients at different stages of the process (prospect,
active, blocked)
YES This module can be integrated with core system and is not covered as
part of Core offering. Thus, OMNIEnterprise has the capability of tracking
different stages/ status of clients , viz., Prospect/ Active/ Inactive/
Dormant/ Deleted, etc
Unique identifier of client as a parameter (internal number,
YES
Every Client is identified with a unique Id across the application, which
Mnemonic, ID card,…) cannot be duplicated.
OMNIEnterprise has the capability of scanning, uploading & storing the
YES
customer Photographs, Signatures, Finger Prints, along with the
Physical identifier of client (picture, signature, finger print…)
Customer Id, which can be called & verified during booking any
transaction on behalf of the client
OMNIEnterprise has a De-Dupe check integrated with the Customer
YES
Master. Our Clients need to identify the fields they want to use while
Identifies potential duplicates (i.e.. double entry of clients)
running the De-Dupe check. The Standard De-Dupe is run on Name,
Date of Birth/ Date of Establishment, National Id.
Tracks potential clients information YES OMNIEnterprise has a complete Lead Management module. The Lead
Management Module has the provision to create campaign for marketing
the loan products & define various activities under the campaign, allocate
people & assign tasks & capture the lead generated, their documents,
data, etc. This is an optional module and not bundled with Core banking
system, however it is an extension of Core Banking Module and can be
configured.
OMNIEnterprise has AML (Anti Money Laundering) as one of the main
products in its suite. AML can also be integrated in its Core Banking
Black list YES Solution & Micro Finance Solution. OMNIEnterprise also has the
capability to integrate with 3rd party software's to run a credit check on
Clients.
YES
OMNIEnterprise has a capability to manage relationship of clients within
Follow-up of relationships between clients
the application, such as Spouse, Guarantor, Nominee, etc
The solution has standard print definition templates for the same.
Possibility to print a client identification sheet YES Template based format in which you can define what needs to be printed
and we refer to it as print definition.
Loan management core banking system
The solution has its own general ledger and can also export GL feeds to
Integrated with accounting system YES third party accounting packages. It has been integrated with several
accounting packages (e.g. Sage)
OMNIEnterprise has a flexibility of opening/ defining any number of
Products in the application. The solution provides a set of flexible
Number of products allowed parameters within which lending products/instruments can be defined.
No there is no limit on product configuration. Customer can define as
many products on various combination available as parameters.
The system allows existing loan products/instruments to be modified, and
Permits the addition and modification of loan products YES applies any modifications to all loan contracts/accounts already defined
under that particular product/instrument
Lending methodologies
Page 5 of 15

The solution fully supports loan products/instruments for lending to
Individual clients YES individuals on a one to one basis. A number of ready to use loan
products/instruments already exist for this purpose
YES
The solution supports the group concept and the same can be easily
Solidarity groups with individual loans
defined along with the required relationships.
OMNIEnterprise has a concept of Community Groups & Solidarity
Groups. Individual Loans can be given to members of Solidarity Groups &
Solidarity groups with group loans YES Group Loan can be given to members of Community Group. However,
OMNIEnterprise has the capability of tracking Individual Liability within a
Group Loan.
Loan approval/disbursement/collection happens by netting "panchayat"
Village banks with individual loans YES as guarantor. It is similar model where community lending and solidarity
lending where individual takes loan and Panchayat shows their solidarity.
Village banks with group loans YES
Methodologies of interest calculation available
Flat YES
Declining balance YES
Fixed rates YES
Discounted from the loan YES
Floating/Variable rate YES
Daily interest calculation (with weekly or monthly
YES
instalments) on principal outstanding
Other (user defined) YES
Special products
Leasing Yes
Mortgage Yes
Warrantage Yes
Line of credit Yes
Other
OMNIEnterprise has the capability to capture the Product Parameters
Historic data on products YES with Effective Date. Hence the historic data can be traced with the historic
dates.
OMNIEnterprise has a provision to capture the Security Deposit/
Forced deposits (linked to deposit monitoring) with ability to block
access to forced savings (where appropriate)
YES Guarantee Fund/ Margin Money on the Loan Products. Lien can be
marked on these Deposits.
OMNIEnterprise has a capability of adding Standing Instructions to the
Forced deposits linked to instalment schedule as a separate
option.
YES Deposit or Savings account, which are linked to the Repayment Schedule
of Loan
OMNIEnterprise is capable of handing Collateral Management &
Collateral (cash and non-cash) tracking YES updating/ Valuating the collaterals to be in line with the Loan Amount
outstanding.
OMNIEnterprise has a provision to capture Guarantor details for a loan
YES
account. The number of Guarantors per Loan can be parameterized as
Guarantor tracking and number of guarantors per loan
also the number & amount of loans (Outstanding), to which an individual
can be attached as a guarantor.
OMNIEnterprise has a capability of automatically generating Repayment
Schedule on the basis of Sanctioned Amount, Disbursement Date, Rate
Loan simulation including production of instalments schedule YES
of Interest, Interest Application Frequency Holiday Period, Moratorium
Period, Repayment Frequency & other relevant parameters.
Payment Types
Term loans with constant payments YES
Term loans with constant principal YES
Irregular payments (set by the user) YES
Balloon schedule (interest only instalments and principal
YES
at the end)
Possibility to choose order of repayment between
YES
Penalties, Interest and Capital
Payment frequencies
Daily YES
Weekly YES
Biweekly YES
Every 4 weeks YES
Monthly YES
Bimonthly YES
Quarterly (every 3 months) YES
Bullet loan (single repayment) YES
YES
System allows users to insert user defined value on no.of days/month for
Other (user defined)
the repayment frequency
Payment year supported
Page 6 of 15

365 days YES
360 days (30 days/month) YES
336 days (4 weeks/month) YES
52 weeks YES
YES
System allows users to insert user defined value on no.of days in a year
for the calculation.
Grace periods
Late payment grace period YES
Installments schedule grace with interest YES
Installments schedule grace without interest YES
User defined appropriation logic where accountings are done as per
Delinquency management facilities (handling of on-time, early, late,
partial, and extra payments) and calculation methodology
YES payment received for various case like regular exact, extra, short or late
payment.
Additional types of payments
OMNIEnterprise has an event driven Charges Master. The user can

define any Type of Charge as a Flat Value or Per Value or Percentage of
Commissions and fees (Please specify at what stage of
the loan cycle those fees may be charged)
YES the Loan Amount in a lump sum or Slab Wise & link the Charge to a
specific event, such as Approval, First Disbursement, Each
Disbursement, First Repayment, Each Repayment, Early Closure. etc.
System allows user to suspends fee & charges for specific customer or
Penalty fees for late payments (Please specify if the user
may suspends these fees)
YES account by changing status of account from normal to delinquent/no
charge account.
Credit insurance YES
Group insurance fees YES
YES
System allows user to override parameters and charges calculated at
various stages of loan delinquent process with exceptional transaction.
Repayment methods
Cash YES
Check YES
Standing order (auto debit) YES
Money order NO Configurable
Current account transfer YES
ATM Card YES ATM interfaces and Interfaces with Card Management Systems
POS devices YES
Mobile banking YES OMNIEnterprise PDA solutions allows institution to perform basic
functionality on PDA device.
Campaign, Lead, Follow Up, Application, Appraisal, Approval/ Rejection

from OMNIEnterprise, Approval/ Rejection from Client, Section,
List the different steps of the loan cycle (application, appraisal,
approval, disbursement, payment) Disbursement, Repayment, Non Performing Asset (Long overdue loan
where accrual of interest stops and external alternate efforts are taken to
recover outstanding loan), Follow Up, Delinquency Management.
OMNIEnterprise also has a provision to manually assign Workflow to a
Approval workflow system YES, automatic Loan Product & within the Loan Product, to the Customer Type, that is to
say Individual or Corporate.
YES, automatic
While Automatic Closure is done on full repayment, Early Closure has to
Closing a loan (on-time and early)
be done manually.
Back dating of transactions on loan accounts Yes
YES
OMNIEnterprise supports Loan re-scheduling & the historic Loan Details
Loan rescheduling : follow-up and separation from other loans
are maintained with the earlier Effective Date
Expected repayment amount proposed by default by the system YES
Unexpected amount possible (underpayment, overpayment, more
YES
than loan balance)
Batch processing for disbursement lists / collection sheets Yes
Taxes management on loan products Yes
Loan accounts numbering (random, user defined, system

YES
OMNIEnterprise provides its user the flexibility of deciding whether the
generated) Loan Accounts should be user defined or be generated automatically.
Customer Information Form, Loan Application Form, Loan Approval/
Provide a list of standard documents with example (contracts,
repayment schedules, account statement)
YES Sanction, Loan Disbursement Details, Loan Repayment Schedule,
Statement of Account.
Deposits management core banking system
OMNIEnterprise has integrated accounting system, which records all
customer related transaction to GL/PL account for generating Balance
Integrated with accounting system YES Sheet, Profit & Loss Statement and Cash Flow. Apart from the customer
accounts, system allows user to enter the transaction at GL level for non-
customer activity.
Types of deposit accounts
Saving account YES
Page 7 of 15

Current account YES
Overdraft account YES
Term deposit YES
Planned saving Yes
Group saving Yes OMNIEnterprise MFI solution has the facility to create Group Savings
without the need to create extra Customers in client base. Three types of
functionalities are currently supported in the product -
1.Compulsory Deposits or Margin Money
2.Group Savings & lending as a percentage of the Savings
3.In case where the MFIs are not authorized to accept deposits,
Customer has to maintain Deposits with MFI Bankers & lien will be
marked on such deposits, to the extent of loan value.
Other (user defined) Yes
Interests on deposits calculations
Time weighted method Yes
Minimum daily balance YES
Minimum monthly balance YES
Minimum quarterly balance YES
Average daily balance YES
Average monthly balance YES
System allows to setup/choose the interest payout as Customer
Interests payment frequency (Daily, Weekly, Monthly,
Quarterly …)
Yes frequency or MFI frequency selected. System can credit saving account
as per the schedule.
Voluntary deposits Yes
First saving with loan installments YES
Compulsory saving collection before loan disbursement YES
Term deposit simulation Yes
Deposits and withdrawal methods
Cash YES
Check YES
Transfer YES
Batch transfer (ex : salary of the employees) YES
ATM Card YES Withdrawal part available
POS devices Yes Withdrawal part available
Mobile banking YES
PDA YES
Other YES Deposit Collection Machines
Tax withholding functionality YES Tax Withholding or Tax Deducted at Source (TDS), as it is known in India,
functionality is available in the standard product & was demonstrated
during the product walk through.
OMNIEnterprise has the capability of Freezing operations at Customer
Level as well as Account Level, with appropriate User Warnings.
Dormant accounts management, blocking or warning when a
YES
OMNIEnterprise also has a capability of Exception handling with 3
transaction is posted categories i.e. Warning,
Confirmation (where user is prompted for Confirmation, after giving a
Warning) & Serious Error, where user is not allowed to proceed.
Closing with balance transfer YES
Option for jointly held accounts YES
Hard copies management (passbook, checks, account statements) Yes
Back dating of events recording YES
Teller management core banking system
Create a new teller YES
System has complete till management module, which allows user to
Open Till YES create as many tellers and sub tellers with Chief Teller. It also allows to
records denomination for each transaction.
Close Till YES The vault functions, allows chief teller to open/close the till
Cash overage and shortage management YES
Transfer cash from vault to a till YES
Transfer cash from till to vault YES
Transfer cash from one till to another YES
Transfer cash from HO to Branch office YES
Transfer cash from Branch office to HO YES
Cash to cash transfer by or to client YES
Cash receipts printing (deal slips) YES
End of day cash position YES
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Bill counting accessory No Customizable interface
Continuous cash position YES
Transfer core banking system
Interbranch transacting YES
Interbranch funds transfer for clients (local) YES Transfer of funds between two customers current accounts within same
branch was demonstrated. However, transfer within different branches
could not be demonstrated due to the configuration problem during the
demo, however we would be happy to showcase the feature again as it is
possible.
Fund transfers across branches is one of the common function running at

most of our customers environment in Core Banking.
Interbank funds transfer for clients (local) YES
International funds transfer for clients YES
Accounting additional module
YES
OMNIEnterprise has a integrated Chart of Accounts Management, which
Chart of accounts management
is very easy to understand & simple to adapt.
YES
OMNIEnterprise allows customer to configure various accounting
Adheres to GAAP and/or IAS provisions
standards and provisioning parameters supported by reporting standard.
YES
Supports Anglo-Saxon accounting standards (describe)
YES
Supports French accounting standards (describe)
OMNIEnterprise is flexible enough to customize its application &
Possible modifications to meet local legal requirements (central
YES
accounting standards as per the Regulatory Requirement of Specific
bank, supervisory regulations) or business requirements Country or Business. Our Diverse Client Base, spread across various
countries speaks for us.
On-line or batch ledger updates (tills, credits, deposits) Yes
Automated calculation and posting for partial or late payments
(including interests)
YES OMNIEnterprise has the capability of doing this.
OMNIEnterprise is capable of categorizing loans as NPA (Non Performing
YES
Assets) & has a detailed Delinquency Management Module, as a integral
Categorizing current vs. delinquent loans
part of its Loans Management System (LMS) & Loans Collection System
(LCS)
YES
OMNIEnterprise supports accounting on Accrual as well as Actual or
Accrual vs. cash
Cash basis.
Existence of accounts to handle interest and principal due but not
YES
received separate from accrued
Software ceases to accrue interest on late loans (automatically or
YES
on demand)
Cost accounting Yes
Asset management YES This is an additional module and can be configured.
Budget management YES Budget is a separate module. We do not offer it along with the MFI
Product. It has the provision to assign budget to various cost & revenue
centers at the beginning of financial year & evaluating the deviations
during the year or at the end of the year.
Treasury management YES Treasury Management is a separate module & again it is not packaged
with the MFI product.
Pay-roll management YES

Accounting interface YES
Export to external accounting packages? (specify which) Yes We have interfaced with many so far
Import from external accounting packages? (specify
which)
Yes We have interfaced with many so far
A Large customer handles volumes of more than 4 million transactions a
End of period process (day, month, year) and approximate timing
for 5.000, 15.000, 50.000, 100.000 clients registered in system
YES day. EOD timing can not be disclosed but is efficient enough to handle the
same.
Generation of financial statements (provide list) YES More than 300 standard reports available.
Yes
More than 300 standard reports available- All CGAP standard reports for
Generation of aging categories reporting (aging of loans)
aging are available
Share Management additional module
Membership share management Yes
Share buying Yes
Share selling Yes
Share valuation Yes
Dividends calculation Yes
Flexibility
Consolidation / Possible network configurations
Page 9 of 15

Single PC YES
Decentralised YES
Decentralised with consolidation tool YES
Centralised on line YES This is web-based capacity
Centralised on line with off-line option YES Data synchronisation is part of core offering and fully integrated. Only the
incremental data is synced with central server at predefined intervals.
Other
Technical Deployment of software
Stand-alone YES
Client/Server YES
ASP Yes
Web Interface Yes Web interface is supported in OMNIEnterprise
Multi-Tier Yes
YES
OMNIEnterprise has a flexibility of capturing data at a later date, with
Delayed posting
Value Date concept, to track events to the date.
Tracking flexibility
Tracks clients at different levels (individual, group, village, branch, YES OMNIEnterprise has a capability to link Business Units such as Head
region, institution Office, Regional Office, Branches to the Customer Types & then track the
customers to its higher most Business Unit.
To explicit -
Head Office - Regional Office - Branch - Center - Group - Individual.
Any number of levels can be added or removed from this chain. Reports
can be generated at the lowest administrative office level in
OMNIEnterprise & can be consolidated upwards.
Track current and historical client portfolio of loan officer / supervisor YES OMNIEnterprise has a concept of CRM (Customer Relationship
Manager), which is attached to each customer. OMNIEnterprise has a
provision to assign levels of CRM for a Customer. Hence the Client
Portfolio of a Loan Officer/ Supervisor, irrespective of the Client status,
i.e. Active/ Closed/ Dormant/ Deleted, etc. *CRM is an integrated
module, to the extent required by an MFI organisation. Customer's
historical data, details of previous & existing loans, details of past
defaults, follow up details with the client, etc are maintained in the MFI
product.
Multiple branches or regions
Mechanisms for separating information on an office basis Yes
Presentation of financial or statistical information by
Yes
branch or region
Ability to neutralize inter-branches transactions Yes
Multi institutions Yes
Maximum number of accounts handled by software currently - more than 8 million accounts
Maintenance of indicator lists for selected data (like region list) User can add the values to maintenance table referred as Lookup tables.
Is there any field that can be modified or added by user ? OMNIEnterprise has the provision of introducing User Defined fields to
the extent of 10-20% of the total screen capacity of Customer Master &
Loan Application, which are incorporated & made available to the
customer at the time of implementation
Multiple languages
Technical documentation and user guides languages English & Spanish (User Guides)
Languages available within software English & Spanish
Can support languages on a user basis YES
All messages are in the language of choice Yes
All screen information is presented in language of choice YES
Multiple language support requires recoding (language is
YES
Selection of language is parameterized. Resource files having one to one
hardcode) or is intrinsic to the system (language is
parameterized) translation are being used.
Statements can be in different languages? If yes,
YES
Statements can be generated in different languages but it is not possible
possibility to allocate a language to a client ? to allocate a language to a client
Ability to handle non roman scripts NO Customizable
Multiple currencies
Supports local currencies and foreign currencies YES OMNIEnterprise is a multi currency system
Supports loan / deposits accounts and teller transactions
YES
in different currencies
Supports foreign exchange exposure calculation facilities YES
Handles maintenance of value accounts and other
YES
inflationary risk mitigation functions
Possibility to add a currency YES
Daily exchange rates entry YES
Displayed in 2 currencies ? NO
System allows to revalue the positions automatically to classify under
Position Management YES short or long, once rate are uploaded in the system. It also records
revaluation gains/losses to profit & loss accounts
Rounding
Page 10 of 15

Rounding per currency to fit cash constraints (5, 10, 50,
100, …), possibility to set it up by product
Yes multiple to be chosen from
Rounding of installment amounts (Principal + interests) Yes
Guaranty Deposits and funds
Guaranty funds Yes
Death insurance Yes
Guaranty fund deducted from loan amount prior to
Yes
disbursement or on disbursement date
Garanty fund paid before disbursement YES
Garanty fund paid with installments YES
Provision
Calculation set by ageing rules and product type Yes
Calculation modes (total outstanding, past dues only, ...) Yes
Provision automatically calculated at disbursement Yes
Reporting
Daily, Weekly, Monthly and Quarterly/Yearly reports at various level like
Existing operational reports YES Center, Branch, Region & Head Office. Apart from the standard reports,
there plenty of reports available like CGAP/MIX and other client reports.
YES
All the standard financial reports such as Balance Sheet, Profit & Loss,
Existing financial reports
Trial Balance are generated in OMNIEnterprise
Existing management reports YES OMNIEnterprise has a list of over 30 MIS reports. We also provide
training, as part of our implementation plan, to our clients, to enable them
to build their own reports. With SQL Reporting Services the user can built
report and is deployed on central reporting server.
YES
OMNIEnterprise also provides all the Statutory Reports required by our
Regulatory authority reporting (Central Bank) configurable
clients, as a part of our Implementation Plan.
CGAP Key Performance Indicators YES Below are some of the reports that are generated from OMNIEnterprise
Solution:
Group_Membership_Report_MFR320119.pdf
Ø Social Cohesion
Loan_Security_Details_R030012.pdf
Ø Collateral
Loans_Details_Priority_Weaker_Sector_R030051.pdf
Ø Social Responsibility to Community
Ø Social Responsibility to Clients
Amountwise_Loan_Classification_R030063.pdf
Ø Size of Transaction
Client_Status_ReportMFR0320019.pdf
Ø Range of Services
Productwise_Growth_Report_CG000001.pdf
Ø Quality of Services
Ø Transparency of Financial Transactions
Donor Wise Fund Allocation_CG000003.pdf
Ø Geographic & Socioeconomic Focus
YES
InfrasoftTech provides training, as part of our implementation plan, to our
User defined reports
clients, to enable them to build their own reports
Possibility to perform trend analysis / comparisons (i.e. this month
YES
InfrasoftTech is CGAP compliant, which includes all the Performance &
vs. last month, payment performance analysis ...) Trend Analysis reports
OMNIEnterprise uses the standard Microsoft Reporting Services utility to
Export utility (Word, Excel, other format,…) YES generate reports, which has an inbuilt capability of exporting the reports
into various other formats, mentioned here.
Customized statistics YES
Additional functionalities
Payment cards OMNIEnterprise has the capability to capture Payment Card details &
support interface with Card Payment software. This is not offered as part
of the MFI solutions.
core banking system
OMNIEnterprise has a complete Checking Accounts module in its Core
Check management
Banking Solution.
Payment services (bills, utility management) additional module
OMNIEnterprise has Money Exchange Service as a Complete Product
Money exchange service with Treasury Management. However, it can also be integrated with the
Core Banking.
Credit scoring additional module
Customer relationship management additional module We also offer a specialized Loan Origination module as described in
response 3 1 10
HR administration core banking system HR administration & Payroll Management is not offered in
OMNIEnterprise. However we have the capability to integrate with 3rd
party solutions.
Page 11 of 15

core banking system System has capability to execute large no of transaction, batch process,
Batch transfer functionality either thru upload from .csv, text files or reading from "Schedule post"
transaction processing
Other products and services Delinquency Management, Trade finance, Treasury
EASE OF CONFIGURATION
Configurator exists YES
Parameterization steps YES
OMNIEnterprise has the capability to capture holidays at 3 levels, viz.,
YES
Calendar Holidays, i.e. National & State Level/ Local Holidays, Branch
Calendar (holidays / working days)
Holidays & Currency Holidays. Also these can be configured for different
time zones
Configuration printing YES
Configuration interface/ergonomy YES
OMNIEnterprise is capable of handling Migration of Data as well as
Possibility to replicate the configuration from one system to
another
YES Processes from one system to another.. Rolling out new entities is very
easy.
SECURITY
Audit
YES
OMNIEnterprise keeps a trail of all the financial & non-financial events in
Audit methodology
the applications
Unique teller identification number YES OMNIEnterprise keeps user -wise trail of all the events in the application
Audit Trail - OMNIEnterprise keeps a trail of all the financial & non-
Traceability of products parametrization YES financial events in the applications, which also includes changes in the
Product or any other Parameters.
Detailed user wise logs are maintained in OMNIEnterprise, where the
Traceability of connections - loggings YES number of bad login per instance, during a day, last login date & time,
password changes are traced
YES
The transactions table keeps a log of Date, Time, Value Date, Maker &
Traceability of transactions
Checker
Identification
OMNIEnterprise has the capability of identifying different User Groups,
Users profiles (roles and privileges) YES attaching Users to the Groups & defining roles/ access rights at the User
Group as well as User Level.
YES
OMNIEnterprise supports the functionality of Activating/ Deactivating a
Activate / deactivate a user
User within the application.
Technology used Open Architecture- Platform and Database independent
Accountability
by transaction YES Full audit trail functionality
by consultation YES Full audit trail functionality
data collected in log file YES Full audit trail functionality
Backup management
Using an external tool YES
Internal tool: specify whether manual or automatic YES Automatic - Can be put on a scheduler
Automatic recovery tool NO Databases can be configured for a back up
Data protection
on database YES
between remote stations YES
on external floppies and backup cartridges YES
TECHNICAL ARCHITECTURE
Server requirements
Operating system Platform Independent
SMALL
Intel XEON Quad core processor E5500 (2.00GHz, 1333 FSB) with 8
cores
16GB RAM Expandable up to 32GB
300GB * 2 Nos.:SAS with Mirroring For OS
External Storage : Approximate 550GB for OLTP, Backup & Logs
(required only if branches are > 15)*
Minimal configuration for 15.000, 50.000, 100.000 clients Redundant Power Supply
Gigabit Ethernet Card ( two numbers)
HBA card corresponding to the SAN Switch
Page 12 of 15

MEDIUM
Intel XEON Quad core processor E5500 (2.00GHz, 1333 FSB) with 8
cores
External Storage : Approximate 1024GB for OLTP, Backup & Logs
Redundant Power Supply
Optimal configuration for 15.000, 50.000, 100.000 clients
LARGE
Intel XEON Quad core processor 7400 series (2.40Ghz+, 1066 MHz
FSB) with 16 cores
External Storage : Approximate 2.5TB for OLTP, Backup & Logs
Redundant Power Supply
Size of server application for 15.000, 50.000, 100.000 clients
Network requirements
Describe the usual configuration
Protocol Internet TCP/IP TCP/IP, HTTP, FTP
Database requirements Industry-standard Database servers – MS SQL, Oracle, DB2.
OMNIEnterprise supports standard databases such as MS SQL, Oracle,
etc. Adequate training is provided to the IT team during the
implementation phase & the data dictionary is shared with the MFIs to
help them in writing their own reports & resolve minor issues in- house.
For maintaining OMNIEnterprise, you don't need IT expertise. We provide

back office operation training as part of the Training program."
Supported native databases NA

ODBC, JDBC ADO.NET
Workstation
Operating system Only Browser required- system being a web based.
Minimal configuration Only Browser required- system being a web based.
Optimal configuration Only Browser required- system being a web based.
Size of client application Only Browser required- system being a web based.
Existing interface
Excel, Word, text formats (TXT, CSV) All
Other XML and any other web services based applications possible
Software
Programming language .net, JAVA
Open source NO
Other integrated tools
PLANNING, TRAINING AND BUDGET
System implementation
Page 13 of 15

InfrasoftTech adopts a self developed and certified implementation

methodology called 'OMNILive'. OMNILive provides a holistic approach
across all phases of the implementation and also utilises InfrasoftTech's
global delivery capability for global implementations. OMNILive provides
a set of detailed procedures across requirement gathering, product
configuration, release management, testing, deployment, training, and go
Implementation methodology YES
live support. OMNILive also provides a set of tools for communication
between teams based at the client site and those based at InfrasoftTech's
global delivery center in India.
InfrasoftTech also has a special new short implementation methodology

for smaller MFIs and reduces the implementation costs drastically.
OMNIEnterprise can be deployed in both a centralised and de-centralised

(branch) manner. For branch based implementations, InfrasoftTech has
developed a repeatable process for making a single branch live. For
implementations where there are a large number of branches to go live
within a short period of time, InfrasoftTech adopts an engagement model
involving IT personnel from the client side as well. A steering committee is
formed which involves IT personnel from the client side who are trained
Describe how you build capacity at your client to replicate by InfrasoftTech on the process of deployment. The first few branches
implementation of one branch to other branches by itself are then deployed by InfrasoftTech resources so as to demonstrate the
same to the steering committee. From there on, the client's IT resources
go ahead and deploy the remaining branches by themselves with support
from InfrasoftTech. Such support can be provided remotely via
telephone/email or via onsite presence of a few trained InfrasoftTech
resources.
InfrasoftTech has adopted this approach successfully in the past and
helped build in house implementation capability at the client.
Installation & training partners (please indicate installation and
training languages where appropriate)
Currently both are carried out by InfrasoftTech
The standard deployment cycle for the standard product is 3-4 calendar
Average implementation time (from contract signature to service
launch)
months. The same is normally revised after tailoring the implementation
plan to specific project requirements.
Quickest implementation 3 calendar months
Currently carrying out a global implementation across 40 countries which
Longest implementation
should last over the next 2 years.
Guarantee period YES Warranty period normally offered for 30-90 days after go live
YES
Only for standard product (without client specific
Installation CD ROM available
customizations/configurations)
Software update procedure Sent out routinely to all clients world wide either as a patch or CD ROM
Training
YES
Approx. 2-3 weeks and conducted by InfrasoftTech. Cost is normally
User training
included in the total implementation plan
If yes, how long? Who? Cost
YES
System administrator training
YES
Training local IT specialist
Cost of programmer man-days for customization Standard List Price varies from $250 to $750 per day depending upon the
countries. We apply PPI for defining rates for each country. For eg- India
will be $250 per day and UK will be $750 per day
System pricing
License (basis, range cost) Standard license price is between 75,000 USD - 250,000 USD and is
depended upon factors such as size, country index and usage model.
Ready4Use Model is a standard OMNIEnterprise Microfinance Solution,
which has updated features and can be deployed rapidly at client's site at
a reduced implementation cost. It has over 25 standard reports. Any
additional reports required can be created by trained staff of MFI or by
InfrasoftTech at additional project cost. It also consists standard template
to migrate/upload data into OMNIEnterprise.
MS SQL license is not included in OMNIEnterprise licence. The user can
select any database- MS SQL, Oracle, DB2& Mysql. This enables them to
use their existing database license too.
Perpetual. However, Infrasofttech does provide licenses on annual lease

License expiry NO
basis. MFI's in future can convert, annual lease licenses, into perpetual
licenses by entering into commercial agreement with InfrasoftTech.
Annual maintenance fee (basis, range, % license) 20% for purchased license volume
Page 14 of 15

On perpetual license, we don't charge on cost per transaction. However,

Cost per transaction (basis, range)
on annual lease licenses, cost per transaction varies from case -to-case
Assistance included in the initial license cost Warranty period
On Perpetual license, cost on installation varies between 70% to 120%
Average cost of installation, with standard training included (%
license)
and is depended upon complexity, country and other factors. On
Ready4Use model, the cost of installation is much lesser.
Saving, Current, Deposits, Trade Finance, Remittances, Standing Order,
Commercial/Retail Lending module with delivery channels like PDA,
Mobile Banking, SMS Banking, Kiosk, Internet, ATM, Investor Reporting
Additional modules (not included in the standard software) - List
features
Portal and Financial report output in XBRL are additional modules.
OMNIEnterprise solution enables MFI (NBFC) to perform like bank, after
acquiring commercial banking license, by subscribing to these additional
modules without migration.
Page 15 of 15
PRICING CASES
OMNIEnterprise Microfinance
Software's Name: Company's Name: Infrasoft Technologies Ltd.
Solution
Description of the MFI Number of Number of Products Number of % Urban / Price in $ Comment
situations clients users branches % Rural s
Loan + Deposit +
Case 1 100,000 220 50 50/50 342,500
Transfer (domestic)
Group Loan +
Case 2 40,000 60 20 20/80 212,500
Individual Loan
Individual loan and
Case 3 15,000 45 10 80/20 112,000
deposit
Case 1 Contains two tables: steps outline with comments & recommendations and finally pricing outline
STEPS OUTLINE
Workload Workload
in person- in person-
Duration in Comments / PRICING OUTLINE
month on month on Price in $ Comments
month Recommendation product / service
the vendor the client
side side
Calendar One Person-month =

Month(s) 22 days
Application Level
Specifications,
Configuration will be
installation,
0.25 0.68 0.00 done offshore. Once Core module License 175,000 list prices
parameterization and
done, the system will
configuration
be put to UAT
UAT will be done with

business team with
Testing / User depend on customer
0.75 1.36 0.68 regards to Application Additional modules
Acceptance tests requirements
Configuration &
Parameterization
3-5 branches
Pilot phase 0.25 0.45 0.23 Database license not included
considered for Pilot 0
2 Week User Training / Interface module + included- No additional license
Training 0.75 1.36 0.00 0
1 Week IT Training Delivery Channel cost for Tellers
Data Migration
Implementation Fees based on a standard
First branch roll-out 0.25 0.68 0.23 Mapping, UAT & Sign 150,000
and Expenses implementation schedule
Off
Data Centre Setup,

Branch Implementation
& Plug In To Data
Centre included in implementation
Full roll-out 2.50 5.00 0.00 Training Cost
Logistical challenges, estimate- standard course
Connectivity issues are
factors that would
impact estimates
0
Help Desk, assistance 12 months from Contract
Maintenance
included in the initial 3.00 0.00 3.00 17,500 signing then 20% of License
(yearly price)
license cost each year
splitting the work
7.75 9.53 4.14 onsite/offsite reduces 342,500
TOTAL total cost TOTAL
General comments
Page 1 of 3
PRICING CASES
Solution
STEPS OUTLINE
Workload Workload
in person- in person-
Duration in Comments / PRICING OUTLINE
month on month on Price in $ Comments
the vendor the client
side side
Calendar One Person-month =
Core module License 125,000 List prices
Month(s) 22 days
Application Level
Specifications,
installation, depend on customer
0.25 0.45 0.00 done offshore. Once Additional modules
parameterization and requirements
configuration
be put to UAT

business team with
Testing / User
0.50 0.91 0.55 regards to Application Database license not included
Acceptance tests
Configuration &
Parameterization
0
2 branches considered Interface module + included- No additional license
Pilot phase 0.25 0.45 0.23 0
for Pilot Delivery Channel cost for Tellers
2 Week User Training / Implementation Fees based on a standard
Training 0.50 0.68 0.00 75,000
1 Week IT Training and Expenses implementation schedule
Data Migration
included in implementation
First branch roll-out 0.25 0.68 0.23 Mapping, UAT & Sign Training Cost
estimate- standard course
Off 0
Data Centre Setup,

Branch Implementation
& Plug In To Data
12 months from Contract
Centre Maintenance
Full roll-out 1.50 3.75 0.00 12,500 signing then 20% of License
Logistical challenges, (yearly price)
each year
Connectivity issues are
factors that would
impact estimates
Help Desk, assistance

included in the initial 3.00 0.00 3.00 212,500
TOTAL
license cost
splitting
the work
6.25 6.92 4.01 onsite/offsi
te reduces
TOTAL total cost
General comments
Page 2 of 3
PRICING CASES
Solution
STEPS OUTLINE Workload Workload Comments /

Duration in PRICING OUTLINE
in person- in person- Price in $ Comments
month on month on
Ready4Use is a quick
Ready4Use is a quick
Calendar One Person-month = implementation model
Core module License 70,000 implementation model
Month(s) 22 days designed for small
MFIs. designed for small MFIs.
Application Level
Specifications,
installation,
0.25 0.45 0.00 done offshore. Once Additional modules Not included
parameterization and
configuration
be put to UAT

Testing / User Not included (MFI can choose
0.50 0.68 0.23 business team with Database license
Acceptance tests any database)
regards to Application
2 branches considered Interface module +
Pilot phase 0.25 0.45 0.23 Tellers are built in
for Pilot Delivery Channel
all expenses are charged extra

2 Week User Training / Implementation Fees
Training 0.50 0.68 0.00 30,000 at actual (not included in this
1 Week IT Training and Expenses
estimate)
Data Migration
First branch roll-out 0.25 0.55 0.23 Mapping, UAT & Sign Training Cost
Off
Data Centre Setup, Maintenance 12 months from Contract

Full roll-out 0.25 0.55 0.00 12,000
Branch Implementation (yearly price) signing then a fixed price
Help Desk, assistance

included in the initial 3.00 0.00 3.00 112,000
license cost
TOTAL
TOTAL 5.00 3.36 3.69
General comments
Page 3 of 3

2009 Software Reviews2

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2009 Software Reviews2

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2009 Software Reviews

Company's Name: Infrasoft Technologies Limited

Software's Name: OMNIEnterprise for Microfinance

Country United Kingdom

Turnover and Results last 3 financial years

Company's Name: Infrasoft Technologies Limited

Software's Name: OMNIEnterprise for Microfinance

Partner with the Network MFI

Number of operating microfinance clients in 2006/2007/2008 27 This

Company's Name: Infrasoft Technologies Limited

Software's Name: OMNIEnterprise for Microfinance

Infrasoft Technologies Limited

Infrasoft Technologies Limited

Infrasoft Technologies Limited

Infrasoft Technologies FZ-LLC

Infrasoft Technologies FZ-LLC

Support center (including resellers)

Infrasoft Technologies Limited

Company's Name: Infrasoft Technologies Limited

Software's Name: OMNIEnterprise for Microfinance

We are currently working with partners who would be offering a complete

OMNIEnterprise Client Information Form has the capability to capture all

Company's Name: Infrasoft Technologies Limited

Software's Name: OMNIEnterprise for Microfinance

Company's Name: Infrasoft Technologies Limited

Software's Name: OMNIEnterprise for Microfinance

Company's Name: Infrasoft Technologies Limited

Software's Name: OMNIEnterprise for Microfinance

OMNIEnterprise has an event driven Charges Master. The user can

Campaign, Lead, Follow Up, Application, Appraisal, Approval/ Rejection

Loan accounts numbering (random, user defined, system

Company's Name: Infrasoft Technologies Limited

Software's Name: OMNIEnterprise for Microfinance

Company's Name: Infrasoft Technologies Limited

Software's Name: OMNIEnterprise for Microfinance

Fund transfers across branches is one of the common function running at

Pay-roll management YES

Company's Name: Infrasoft Technologies Limited

Software's Name: OMNIEnterprise for Microfinance

Company's Name: Infrasoft Technologies Limited

Software's Name: OMNIEnterprise for Microfinance

Company's Name: Infrasoft Technologies Limited

Software's Name: OMNIEnterprise for Microfinance

Company's Name: Infrasoft Technologies Limited

Software's Name: OMNIEnterprise for Microfinance

For maintaining OMNIEnterprise, you don't need IT expertise. We provide

Supported native databases NA

Company's Name: Infrasoft Technologies Limited

Software's Name: OMNIEnterprise for Microfinance

InfrasoftTech adopts a self developed and certified implementation

InfrasoftTech also has a special new short implementation methodology

OMNIEnterprise can be deployed in both a centralised and de-centralised

Perpetual. However, Infrasofttech does provide licenses on annual lease

Company's Name: Infrasoft Technologies Limited

Software's Name: OMNIEnterprise for Microfinance

On perpetual license, we don't charge on cost per transaction. However,

Calendar One Person-month =

UAT will be done with

Data Centre Setup,

UAT will be done with

Data Centre Setup,

Help Desk, assistance

STEPS OUTLINE Workload Workload Comments /