Natural

Banking, ERP, HRMS, Ecommerce

Agenda Index
01 About •
•
•
About the Company
The Team
Our Products
• Our Customers

• Transformation Journey

02 The Product •
•
•
CBS and beyond
Source Code
Architecture and Technology
• Security
• Data Centre Operations

03 The Plan •
•
•
Implementation Steps
Training
Org Structure
• Deployment Plan
• Product Demo
 Who We Are?
COMPANY
Natural Group was formed in the
year 1995, with a vision to create
Software Applications for the
banking sector.
Venture Funded by RVCF in 2005.
Over 3 decades of experience of
working in IT industry providing
solutions and Project Management.
Merger (2008-13)
In 2008-2013 NTPL (one of the
group company) was merged with
HCL Infosystems Ltd.
ACHIEVEMENTS
 Developed PNB eRupaya (NFC
Based solution) jointly with Punjab
National Bank. NFC solution tested
successfully by Reserve Bank of
India in their 1st COHORT
 Developed HRMS, ERP, AML
products
 Developed Bilingual, Multi-lingual,
tri-lingual methodology and
BancMate, Worlds first Bilingual
Branch Banking and Core Banking
Software (CBS).
 Rated as one of the top 100
innovators by NASSCOM in 2007.
 BancMate was rolled out and
marketed to banks in alliance with
Punjab National Bank
 The Group Experience

Natural Group
RBI Regulatory BancMate UIDAI
Sandbox Financial Inclusion
Comprise of: Developed and Deployed in 26
NSCS NFC Product 1st Bilingual Banking The Team as part of HCL
managed the AADHAR banks: Worth around 70.46
successfully tested by RBI Software which was installed
over 5000 Bank Branches project. million USD
NSCSPL –
Natural Support
Consultancy Services
Private Limited
eMAPS
Banking HRMS
NTPL: • Customized ERP
• End to end talent management • Budget Management
Natural Technologies • Core Banking System
system • Fund Management
• Anti Money Laundering Requisition to Order to Purchase
(P) Ltd, formed in 1995 • Employee Profile •

• Internet Banking • Onboarding to Exit Management to payment

and was merged with • Mobile Banking • Leave, Attendance, Payroll • Sales Management
HCL. In 2008 • PFMS Management
• Income Tax, TDS • Stock & Fixed Asset Management
• Appraisal • Reconciliations
• Claim, Loan • GST, TDS
• ESS and Mobile APP • And many more…….
 Meet Our Team
S. No. Role Name Experience
1 Financial Ownership and overall Head Ripudaman Magon 30+
2 Chief Technology Officer / Solution Architect Vinay Prakash Dwivedi (PMP) 25+
3 Chief Functional Officer Vivek Dhanopia (PMP) 25+
4 Quality Team Surendra Kumawat 18+
RIPUDAMAN MAGON Anukul Khandelwal 12+
Founder & Director 5 Technology Head Brijesh Sharma 18+
An entrepreneur since 1992, well known in BFSI sector 6 Project Management (Support Team) Nand Kishore Singh Bhadouria 23+
for having developed Bilingual Core Banking Solution, 7 BI and Reporting Team Head Varun Sharma 16+
rolled out in over 5,000 bank branches of various PSB,
RRB’s and SCB’s Functional Partners:
https://www.linkedin.com/in/ripudaman-  Kalani and Co. (network firm of Kalani and Affiliates), a leading Chartered Accountancy firm having its Head Quarter at Jaipur,
magon-37265822/ Rajasthan, the upcoming and the largest State of India and branch offices at Jodhpur, Kota, Bhilwara, Pali, Sojat City and network
firm offices at Mumbai and NCR. The firm is known for its work discipline, expertise, straightforward approach and professional
presentations on various legislative, accounting and other developments.
 Established in 1952, the firm is having a long standing experience and is a multifaceted organization providing a range of
professional services in various fields.
 Firm has 22 partners and around 200 qualified /semi-qualified professionals including the team of functional consultants for ERP
development and implementation.

Cloud Partners: CyFuture

 Since 2001, Cyfuture is vesting organizations of all sizes with inventive business solutions ensuring high-caliber performance
and improvised brand image. Being a brand that is internationally famed for stupendous service standards, competent
VINAY DWIVEDI handling of IT infrastructure, and reliable corporate image, we have over 2000 zealous experts catering to the diversified
CTO requirements of businesses from sectors like e-commerce, retail, information technology, software services, education,
22 Years of diversified S/w and Business banking & finance and government bodies.
experience in various verticals like Government,
 Cyfuture is a CMMI level 5 assessed and ISO 20000-1:2011 and ANSI/ TIA942 certified company. Along with this, we have also
BFSI and Identity Management UIDIA Domains.
accomplished PCI – DSS, SSAE 16 SOC II, ISO – 27001:2013, ISO – 27017:2015, ISO 20000-9:2015, ISO 9001:2015, and many
more.
 Our Customers

Assam Gramin
Vikas Bank
ASSAM HEALTH INFRASTRUCTURE
Manipur Rural DEVELOPMENT AND MANAGEMENT SOCIETY
Bank

Tripura Gramin
Bank
Goods & Services Tax
Network
Bangiya Vikas
Gramin Bank
CobaSys ERP CBS with API Banking
Next Gen Banking

Excellence through Innovation

 CobaSys
Core Banking System
with right attributes

TIME TO CUSTOMER OPERATIONAL

4
COMPLIANCE
MARKET SERVICE EFFICIENCY

8
 …covering the entire Value Chain
Data Alerts

Dashboards
Charting and Analysis

Audit Report
Report

CBS
ERP Employees
IB Gateways Internet / Mobile
INTERFACES

Delivery Channels
API Banking
Business
HRMS Partners

Banking Gateways AML

Centralized MIS Consumers

Administrative Apps.
LOS/LMS
CobaSys CBS ERP USP
• Connectivity:
• The system requires minimum connectivity to run
• A branch of a bank is functional on GSM SIM network
• Branch can easily undertake all operations on GSM SIM connectivity
• Single Window(Voucher) for All type of Transactions i.e. CASA, Deposits, Loan,
Remittances, teller activities etc.
• NPA management from marking to settlement
• All modules required by CBS, BC, HRMS, IB and Mobile Banking, Purchase, Sale, Inventory
Management, Bills Payable and BR, Taxation are covered in the software
• Simple and easy to use
• KYC verification for Aadhar and PAN using third party API
• Mandatory Day end and Central Day end ensuring completion of job
• No back dated entry allowed, only Value Dating
CobaSys CBS ERP : Technology

• CobaSys CBS ERP is component based & modular and have been built on open industry standard platform. These
solutions leverage industry standard protocols and methodologies to seamlessly interface with multiple back
office systems and enable banks to offer single point access to various products.

• CobaSys CBS ERP is inherently platform-independent with respect to database, hardware and OS. An open,
message-oriented architecture ensures easy deployment, high interoperability and simplified maintenance, all
translating into significant cost savings. By implementing a single e-business platform to support consumer,
business, and trade clients, banks can leverage their IT infrastructure investments across multiple market
segments.
CobaSys CBS ERP : New Possibilities with Modern Technology
Legacy technology and system integration challenge
Legacy technologies cause many problems like: continue to suffocate banking growth
1. Lack of innovation and security
2. Challenges in deployment of new technologies
3. Lack of skill and expertize
4. Legal Risk or compliance Issue
5. Compatibility issues of older systems
6. Clunky and difficult to use
7. Excessive maintenance costs
8. Don’t empower employees

Banks need a modern technology platform

that can help power their transformation
journey with speed, scale, and resilience.
CobaSys CBS ERP : Technology

 Built on scalable modern technology with robust functionality (J2EE)

 Platform Supported – All Platforms i.e. Unix, Linux, Windows
 Database Supported – Oracle 19c, MSSQL 2022 , MySQL8
 App servers Supported – JBossEAP, Wildfly, Weblogic, Websphere, WASCE
 Deployment – Cloud/On-Promises/SAAS
 Highly Secured with incorporated all OWASP security recommendations
 Supports Horizontal scaling at all tier
 Multi factor authentication including Biometric, LDAP, OTP and Captcha
 Composite Architecture: all solution under one Umbrella using SSO
 MIS generated from Central server with Batch processes running on main
database
 Proven & reliable technology
CobaSys CBS ERP : Built on J2EE Component Architecture
CobaSys CBS ERP: Technology Framework

User Interface Business Layer APIs/Libraries

JSP , HTML, CSS EJB (Session, Entity, MDB) Mail API

Java Applets JMS, Queue, IBM MQ, ActiveMQ SMS Interface

Java servlets Web service, JAX-RS, JAX-WS ISO 8583 , ISO 20022 (SFMS)
Struts Framework JDBC, Connection pooling with Two Excel API
Bootstrap phase commit
Java script, Encryption , Job Schedulers Style Pad
Ajax, JQuery Log4j
Regular Expression JPA, Hibernate
JSON/XML
CobaSys CBS ERP : Typical Architecture
CobaSys CBS ERP : Easy to use

 Single screen operation consist of more than 80% operation

 Single Windows for Account opening – All kinds of accounts are opened from the same
option. The user doesn’t have to shift menus for various account opening.
 Single Voucher Window : We provide one single voucher window for all financial
transactions like :
 Dr/Cr into SB, CA, CC, OD, GL, PL, RD, Loans (Disbursement, Charges etc)
 Cash / Clearing / Transfer vouchers
 FD Creation / Payment
 Remittance Issue / Payment
 Sundry / Suspense – entry creation / settlement etc.
 Integration with :
 ATM
 POS
 RTGS/NEFT
 AEPS
 ISO 8583 compliant
 BI support
 CobaSys CBS ERP : Easy to use

• The voucher window also provides for Non-financial transactions like :

– Statement – mini/detailed
– NPA Statement
– Cheque Book Issue
– Status of Cheque
– Passbook Issue
– Passbook Printing
– Name Search
– Batch Details
– FD details
– EMI Calculator

• FD Calculator and many more

• FD management similar to the manual system where there is a customer ID, Account No. and multiple receipts in that
Account. We don’t open an account for every FD created.
• Social schemes like NREGA, Financial Inclusion part of the solution thus no separate integration process.
CobaSys CBS ERP : Security

User
Defined
Access Authorizati
Encryption Rights on of every
of sensitive
exceptional
data
transactions

Terminal
locking Back-dated
facility & as well as
Forced online audit
password trial
changing

Integrated
Security
Features Deposits &
Transaction withdrawal
Checksum limit
restrictions

Mandatory Concept of
Backup of maker &
Database at checker
Day end possible
NO deletion –
User definable
deleted
user types with
transactions
entry and
shown in
authorization
exceptional
limits
report
Info Security Audit
Data Security
• Encryption of sensitive data in tables
• Role based Access
• Roll back and Roll Forward of Data to protect from Power Failures
• No backend Query can be executed on database
• Database password is protected and only available to Application
Data Security at Network/Server Level
• All the port of web server are blocked except https port
• Users communicate with server on secured protocol (https)
• App server and DB server are reside on militarized zone and not accessible from outside
• All the sensitive data travels in encrypted form from client to server servers
• Generation of token on each page before submit and Token verification at server before processing
Security features:
 Automatic logout of idle user after specified time available.
 Minimum password length of 8 characters available with Capital , Special and Numeric combination.
 User lock after predefined unsuccessful login attempts.
 Force password change after predefined periods.
 System does not accept user id as password.
 Password is not same as old password
• Audit trails provided for each login, logout, and addition/ deletion/ modification by individual users.
Security issues addressed keeping in view the GOI & regulatory
mandates

Security
. issues handled in the application General Security
• Cross site scripting • Configurable password policy with industry standard
• Insecure direct object reference parameters
• HTML injection: input validation, escaping all parameters and • User defined access rights
server-side validation • Approval process, activity-wise
• Business logic flaw: same user can authorize the requested, • Audit reports
which is created by him: server-side validation required to • N tier user definable user types
stop business logic flaw • NO deletion – deleted transactions shown in exceptional
• Injection flaws report
• Privilege escalation • Access is through user login with multi factor authentication,
• Brute force attack password, Captcha, OTP, biometric etc.
• Concurrent login: don’t allow concurrent logins with same • Automatic logout of idle user after specified time available
user ID • User lock after predefined unsuccessful login attempts
• Using known vulnerable component • Sanitize each user request to maintain high level of security
• Version disclosure of web server • Periodic upgrade of components to maintain security
• Default server page disclosure standards
• Improper error handling • Using digital signature of user to sign the letter and
documents
Security – session and integrity of data management
• There are no stored in Cookies except session ID (default) in the system
• Cookies are marked as HTTP only and secured
• Password and sensitive information travels in encrypted forms over network
• Session checking on each resources using interceptor on each resources
• If same user login on another machine, system do not allow if another session is running
• All the session variables removed at the time of log out / session time out
• A new session ID is created, and OLD session ID is terminated, and all old session variables stored are removed when a user
re-authenticates in new browser
• Sanitize each user request to maintain high level of security and prevent any injection
• No database update is allowed outside the Application, Even DBA cannot update any table outside the application
• Queries can be Run from Application which is recorded for update / delete if any
• If any exception comes during data update / insert system rolled back the transaction
• All data update are happened in transaction block with begin tran, Update and Commit / Rolled back , there is no implicit
transaction for data modification 17
CobaSys CBS ERP : Our Uniqueness

1. The software is meets all requirements of the banking sector.

2. The 3 tier application has been developed on JAVA Technologies and is OS and RDBMS independent.
3. The application is already in use with over 1500+ users on pure CBS.
4. It has also been successfully tested for 7,000 concurrent users.

5. Some of the specific unique features of the application are :

• Single Windows for Account opening – All kinds of accounts are opened from the same option. The user doesn’t
have to shift menus for various account opening.
• Single Voucher Window : We provide one single voucher window for all financial transactions like :
• Dr/Cr into SB, CA, CC, OD, GL, PL, RD, Loans (Disbursement, Charges etc)
• Cash / Clearing / Transfer vouchers
• FD Creation / Payment
• Remittance Issue / Payment
• Sundry / Suspense – entry creation / settlement etc.
CobaSys CBS ERP : Our Uniqueness
6. The voucher window also provides for Non-financial transactions like :
• Statement – mini/detailed
• NPA Statement
• Cheque Book Issue
• Status of Cheque
• Passbook Issue
• Passbook Printing
• Name Search
• Batch Details
• FD details
• EMI Calculator
• FD Calculator and many more.

7. Single windows for opening multiple Customer ID's and Account – eg. 3 persons opening a joint Account will follow a
single Maker and Checker process (2 steps) instead of 3 Customer ID creation 3 authorization and than one account
opening and authorization (total 8 steps).

8. FD management similar to the manual system where there is a customer ID, Account No. and multiple receipts in that
Account.
 CobaSys CBS ERP :
Our Uniqueness

9. Score Based Lending including complete Agricultural Loans and Kisan Credit Cards covering :
• Pre Sanction,
• Sanction,
• Post Sanction
• Monitoring and follow up.

10. Kisan Credit Card taking care of :

• One year cycle of repayment and interest charging (simple / cumulative / penal) is done accordingly.
• Crop Loan management season wise and the disbursement and management is done accordingly

11. Complete NPA management including :

• pre-warnings of accounts going to become NPA
• NPA account gets statement with complete details due from him i.e. including Interest and charges due even after account
became NPA
• NPA Provisioning
• Movement to :
• Compromise,
• Suit Filed,
• Protested
• Claim Management
 CobaSys CBS ERP : Our Uniqueness

12. Re-scheduling of loans which includes ;

• Period Re-scheduling
• Amount Re-scheduling
• Moratorium Period Re-scheduling
13. Multiple types of disbursement :
Single Disbursement and Installment
Installment with every disbursement made etc.
14. The above features result in easy and faster implementation. The training is reduced to hours instead of days and
system is made operational at an early date.
15. The system works in the language of the bankers (eg. Customer ID and Account Opening, FD Creation, Single
Voucher etc.) which makes it easy for the bankers to understand who are not computer professionals. the procedures
followed are the ones mentioned in the banks manuals and the methods followed by them.
 CobaSys CBS ERP : Modules
Budget Management Inventory Management
Budget
• Create Budget Heads & Cost • Requisition and approval
Expense
• Link Budget to Accounting structure, Overheads EMD Mngmt
Tracking & • Quotation and Ordering
Vouchers
and Costing Mngmt. • Purchase of Inventory / Asset / Consumables/ Services
• Budget defining for Opex, Salary, Capex, Bank • Stock / Inventory Management
Purchase
Projects Guarantee
Mngmt. • Issue of stock to:
Register
• Budget reallocation • Work in Progress
• Revised Budget • Individual staff
• Adhoc Budget Sundry/ Inventory
• Project
Suspense Mngmt. • Transfer of stock between offices taking care of GST
eMAP
Fund Flow, Taxes and Recon.: S • Issue of Stock to Fixed Asset:
• Fund request for Opex, Salary, Capex, Projects • Direct purchase
A/cs
• Each Office can raise Fund Request mapped to Receiva • From WIP to FA
B/s,
ble & • Put to use of Fixed Asset to initiate Depreciation
their Budget and expenses incurred and planned P&L
Collecti
• Accounts team to assess each requirement and ons • Stock / Fixed Asset to:
decide on approval of funds Billing • Dead Stock
• Approval for payment Sales & • Scrap
Cycle Invoicin
• Payment with proper UTR details GST, Bank g • Sale of Scrap
TDS, Recon
• Manage direct release of Funds and CFDL Tax & Fund
Accounts Mngmt. Flow Sales Management
• Receipt of Order
Reconciliations • Sale Invoice
• Bank Account management and Recon. • Sale Release Note
• TDS management and Recon. Bank Interface and others • Sales Packing Slip
• GST Management and Recon. • DSC registration • Billing & Invoicing
• Vendor authentication through PFMS • Collections
• For Payment direct interface to Bank CBS • Accounts Receivable
Master Level Operations

Branch/Office
Masters
Vendor/Client General
Maters Ledger Maters

Masters
Process/ Level
Component Operations Budget
Masters Masters

Item BOM Item/Service

Masters
Budget Flow- Upwards Allocation Cycle

Sanction of Final
Budget amounts
Budget for allocation.
Consolidation and
Budget Approval
recommendation Processes
Budget authorization by
Recommendation Accounts head
Forward to Dept. given by Accounts
head for department
Request by Dept. authorization
for a project

 Through the system following information regarding the budget can be captured:-
• Budget Request by department for various projects
• Budget Recommendations by accounts department
• Consolidation of Budget and approval processes
• Sanction of Final Budget amounts for allocation
 In the system maker-checker can be assigned at various level, which can be illustrated by the above chart.
 No direct alteration to the allocated budget can be made otherwise.
 At the time of expenditure booking, expenditure amount will get allocated against the budget heads and the variation between budgeted
expenditure and actual expenditure can be analyzed.
Budget Flow- Downwards Allocation Cycle

Central Office (maker) allocates

Consolidated Budget Amount to State
level offices and submit it for
authorization.

Authorizer at central level office

authorizes the allocation.
State level (maker) offices
further allocate the
budget to Field level
units. Authorizer at state
level office
authorizes the
allocation

Final Budget amount gets allocated to field

level units who can use the same for
meeting their expenditures

 The Budget allocation process as shown above is sent by the Central level Office to field level offices.
 The Budget allocated to field units can be used by them for meeting the expenditure requirements.
 There are multiple types of Budget allocations that can be made:-
 Budget Estimate (BE) allocation
 Additional Budget allocation (before and after RE)
 Revised Estimate (RE) allocation
Fund Flow Request

Fund approval by
the central office
Recommendations for and then allocation
Fund approval is sent and transfer of
by State level office to funds to the field
Forwarding Central office. units (or their
request to DDOs/HOO) by the
their State Central office.
office by
DDOs/ HOO
Request for office.
funds by
field office
to their
DDOs/HOO.

 The fund request process as shown above is sent from the field level offices till the Central Office.
 The fund allocated and received by field units can be used by them for meeting the expenditure requirements.
 There are four types of Fund request in the system:-
 OAE Request- Operating and Other Expense Request
 Salary Request- will be generated for payment of salary
 GST Request- for payment of GST by the Compliance Officer
 Other Fund request- Other fund requested which are given (e.g. fund request for specific purposes)
Purchase Module

Purchase
Order (PO)

Purchase
Purchase
Invoice Purchase
Challan
without PO Module (PC)
or PC

Purchase
Invoice
(with PO or
PC)
Sales Module

Sales
Order

Sales
Other
Release
Utilities
Note
Sales
Module

Sales
Sales
Packing
Invoice
Slip
Accounting Module and Miscellaneous Module

Journal
Voucher

GSTR 2A Contra
Reconciliation
Voucher

Accounting
Bank Payment
Reconciliation
Voucher

Adjustment Receipt
of Advance Voucher
Miscellaneous Module

EMD receipt
voucher

Bank
Miscellaneous EMD refund
guarantee
Module Voucher
return

Bank
guarantee
Register
Fixed Asset Module

Assets Fixed Asset

WIP to Fixed
Issue to Staff Returned from Issue to WIP transfer to
Assets
Staff Office

Asset received
WIP to Inventory to Physical Asset Asset Mark
from Another
Inventory Fixed Assets Verification Scrap
Office

Put-to-use
Stock Module

Stock Transfer Stock Transfer Stock Received

within the to another from another
location location location
Reports:

Some of the reports are:

• Balance sheet report
• Profit and Loss report
• Cash receipt and payments report
• Account Head Ledger Report
• Account Payable/Receivable Report
• Journal Report
• Purchase Register Report
• Fixed Asset Register
• TDS Report
• Supplier Statement
• Advance Receipt Report
• Inward Supply and ITC- GST Report
• Outward Supplies of Goods and Services- GST Report
• B2B Summary- GST Report
• B2LC Summary- GST Report
• B2C Summary- GST Report
• GSTR 7- GST Report
CobaSys CBS ERP : Core Banking Modules….
Deposits Borrowings
• Saving • Short Term / KCC Credit Limit
• Recurring • Medium Term/ Long Term Agriculture Loan
• Medium term Conversion
• Fixed Deposit
• MT/ LT Re-schedulement
• Re Investment • SHG Loans
• Other Deposit • Non Farm Sector Loans
• Fertilizer cash Credit Limits
• Seeds Cash Credit Limits
• Cash Credit Limit for Agriculture Produce
• Cash Credit Limit for Gold Loans
• Public Distribution Scheme CC LIMIT
• Consumer Commodities CC Limit
• Other Non Credit Activities
• Loans against Deposits
• Other Borrowings
• Borrowings from State Government.
• Borrowings from Other Institutions
CobaSys - Core Banking Solution

Retail Products
 Savings Accounts  Term Deposits with TDS
 Current Account  Time deposit
 Overdraft account  Loans/Advances with NPA
Products  Cash Credit A/c’s  Daily Deposit with POS
integration
 Digital wallet

Transactions

 Cash Dr./Cr  FD issue /Payment

Tx
 Transfer (One to one, Renewal
One to Many, Many to  Loan disbursement
One)  Loan Recovery Entry
 Clearing  Sundry/Suspense entry
 GL entries
CobaSys-Corporate Products

Corporate Products
 Letters of Credit
 Bank Guarantee
 Bills Collection/ Discount/Purchase
Corporate
Products

Transactions
 Interest Defining product wise  Decision Support Systems
 Charges defining product wise/  Management Information
category wise Systems
 Day book, General Ledger and Trail  Signature and Photograph
Back Office Balance/ Weekly Verification
Products
 Profit and Loss  Biometric Verification
 Balance Sheet
CobaSys Clearing & Specific Products

Clearing
 Multiple Clearing Houses
 Holidays for Clearing Houses and Branches
 Lodging and Clearing days specifications
Clearing
 Day-end logical check for lodging and
clearing

Specific Products
 Fixed/Term deposits/STDRs
Specific
 Flexi deposit
Products  Recurring and cumulative deposits
 Daily Deposit Scheme
CobaSys Remittances & Services

Remittances
 Define document type & document wise stocking and printing
 Multiple remittances from single voucher
 Stop, lost or duplicate issue & cancellation of documents
Remittance  Service charges calculation

Specific Products
 Customer Enquiry Terminal  Deposit/Remittance printing
 Lockers  Standing Instructions
 Cheque Book Maintenance
 Generation of advices, Interest
Specific Products and Balance Certificates  User Management with Access
 Passbook Printing right system
CobaSys - FD Module
Scheme specific
Renewal of FD with
interest charts and
Auto Renewal of FDs back dated / today's
covering 0% PMRY
ROI or SB ROI
FDs

Define own schemes, FD Flexi Deposit or

Super Savings Bank
configure & design
documents
Module or Super Flexi
Scheme

Flexi Recurring
Recurring/ TDS with reverse
Deposit & Daily
Cumulative Deposits calculation
Deposit Scheme
CobaSys - Loans Module

Demand Loan / Term Housing Loan Staff / Consumer Loans,

Loan Public Education Loan

Group and Gold Loans Retail Lending

Loans
Module

Agricultural Loans with Against Bank own

Land records Deposits (LABOD)

Interest on Mly/Qty,
Protested / Write
NPA with compounding,
Off / Claims /
memorandum details Moratorium, Simple
Recovery
Interest etc.
CobaSys – New Age Digital Lending Journeys
The Loan Origination System The Collections

Component allows to efficiently originate Component allows collections effectively,

loans, including loan application processing, including reminders and follow-up
underwriting, and loan disbursal. activities.

The Loan Management System The Reporting

Component provides tools for loan Component provides a range of reports,

servicing, including loan portfolio including loan performance, portfolio
management, EMI calculater, and loan analysis, and collections reports, to help
repayment tracjing understand the health of their loan portfolio
CobaSys – New Age Digital Lending Journeys
Flow:

Productization Process/Activity Monitoring (90 Day Cycle)

• Product Creation • Business Card • SMS Alerts
• Eligibility define • Document Upload • Reminder letter
• Parameterization • Loan Interview • Telephonic Contact
• Access Right • Loan Application • Personal contact
• Deviation Parameter • Field Investigation • Registered letter
• Monitoring Parameter • Loan Appraisal • Contact to Guarantor
• Document parameter • Recommendation • NPA Management
• Charges Parameter • Sanction • Suit File/Protested
• NPA Parameter • Documentation • Legal Action
• Loan Securitization • Disbursement • Securitized
Parameter • PDC/ECS
• Recovery
Flow:
Product Charges Loan Accountin Risk
Setup Servicin g Manageme
g nt
Configure product, Disbursement time SOA generation DPD calculation
charges & charges Chart of accounts
accounting at setup at product leve
product level
Tranche disbursal Repayments Asset classification
charges
Amortization GST setup for
schedule setup charges
Overdue penalties Pre/Fore-closure Loan provisioning
management
Interest Accrual/ cashbased
calculation(flat/ accounting
declining) Event based charges
Part payments Repayment
strategies
Repayment Manual journal
strategies DPD based charges entries
Rescheduling/ NPA tagging as per
restructuring RBI
Generation of
EMI Configuration Specific duedate financial statements
(BL, trial balance,
Waivers on interest P&L) Unrecognition of
& charges income for NPA
Maturity fee
Configureday
conventions EOM, EOY closure
reports
Multiple Refunds PAR reporting
apportionlogics
Broken period
interest Loan settlement GST invoicing
configuration workflows Bureau reporting
Grace period/
Penalty free period
Multiple configuration
apportionlogics Loan write-off Multiple
workflows apportionlogics

Excess payment
parking Recovery post write Download of entries
off

Multi-tranche
49
The Lending Stack

Real-time view of ops & Rise of partnership Consume credit in any

customer
Regulator push for near
real-time view of exposures
form Hyper - personalised
Rise of co-lending on the credit
funds side & LSP BNPL, credit-on-UPI, cards,
partnership on the GTM embedded flows, cardless Risk pricing for each &
side EMI every customer

OCEN & ONDC AA & API Ecosystem

Open protocols for credit & Services that enhance
distribution layers for SME & e- experience & risk
commers management
Benefits:

Customer Engagement Staff Productivity Enhancer Service Fulfillment

Application Initiation Facility Enhancement Disbursement Request Document/ Image upload

CPV Loan Underwriting

Scheduler e-KYC Geo- Location

Repayment simulator Relationship Cash back

Loan Payment Repayment Schedule Hierarchy Calculator Standing Online Payments Customer Repayments
Account Services Loan Statement Orders

Loan Enquiries Facility Renewal Loan Summary

Credit Limit Increase Field Card Replacement
Service Request History Dashboard Unbilled transactions Valuation

Collector Work list Geo- Location Cash Reconciliation

Customer 360 View Document Upload Contact Update Online Collect Trail
Receipts Payment Update

P2P Case Query Performance Dashboard

Messenger
CobaSys – Group Lending
• Group accounting includes two types of accounts (Loan accounts and Saving/Recurring Deposit)
• Collection and disbursement into group account will be through Fund transfer functionality on POS/m-Pos machines.
• Loan sanctioning includes following steps : customer Acquisition, Pre-sanctions appraisal, FI, Documentations etc.)
• Installments in Loan and RD will be weekly basis (Monday to Monday, Tuesday to Tuesday etc.).
• Above schedule can be changes by bank. Like now onwards Monday’s installment will be collect on Wednesday. So in
this case group’s installment day will be change accordingly.
• All the groups must be linked with agent and they will do transaction through agent only.
• Groups can be switch in between agents as well as collection day as and when require.
• A day wise demand sheet will be generated by system for agents for the collection in provided periods
• Reports for Demand, collection, pending collections on the basis of agent
• Flat Rate EMI, Advance Installment, Pre-EMI interest.
• Installment Recovery: Penal interest on pending instalment amount
• Prepayment : Extra Interest of Defined Month and Reverse Pending Interest
CobaSys –Gold Loan Module
 Customer applies for Gold loan.
 The value of the ornaments is assessed, by a third party assessor appointed by bank.
 Based on the daily Gold Rate and margin, the Loan is sanctioned.
 Gold stock in custody of Bank is updated.
 Periodic Interest is charged as per the interest rate specified at the time of account open.
 After the repayment of loan the account is closed and the Gold ornaments are release.
 Gold stock in possession of Bank is updated, accordingly.
 If the customer defaults the entire NPA process is followed.
 If the customer is not able to repay the loan, auction process is followed.
 The assets(Gold ornaments) are auctioned and the loan amount is recovered from the auction proceeds.
Other Modules

Teller Operation

Lockers Cashier
Operation Operation
Other
Modules

Letter of Credit
Sundry /
and Bank
Suspense
Guarantee
CobaSys CBS ERP : Modules……
Contra Items
• Bills for Collections
Other Liabilities
• Interest Accrued on Deposits
• Interest Accrued on Borrowings
• Unclaimed Dividend
• Sundry Creditors
• Other Liabilities
Provisions
• Provision for PF/ Gratuity/ Bonus / Pension
• Provision for Standard Assets
• Provision for NPA (Substandard / Doubtful / Loss)
• Overdue Interest Reserve
• Provision for Overdue Interest on Investment
• Provision for Outstanding Expenses.
• Provision for Sundry Debitors for Credit Sales.
• Provision for Depreciation in the value of Investment.
• Other Provisions
 CobaSys CBS ERP : Modules……
Assets
• Current Accounts
Investments
• Govt. and Trustee Securities
• Shares in the Other Co-Operative Institutions
Closing Stocks
• Agriculture Inputs – Fertilizers / Seeds / Pesticides
• Public Distribution System Commodities
• Non PDS Consumer Items
• Food Grains and Other Commodities Under Procurement Scheme
• Material under Mid - Day Meal Scheme
• Other Stocks / Goods/ Work in Progress
Fixed Assets
• Land and Building including Godowns
• Furniture and Fixture
• Vehicles
• Other Fixture
 CobaSys CBS ERP : Modules…….

Profit and Loss Accounts

• Interest on Deposits
• Interest on Borrowings
Establishment and other Expense
• Salary and Allowances
• Management Expenses
• Rent, Taxes, Electricity
• Repair Cost of Premises
• Insurance
• LAW Charges
• Postage and Telephone Charges
• Printing and stationary
Trading Accounts
• Purchase of Fertilizers / Seeds / Pesticides
• Sale of Fertilizers / Seeds / Pesticides
 CIBIL/ Experion/ Equifax /HighMark
Collects credit information on every customer including
• Detailed repayment history, defaults, loan and credit cards details
• Total credit limit
• Age of accounts
• Status of credit accounts
• Based on this raw data, the CICs generate a credit score
• Help lenders and borrowers in provide creditworthiness of a potential customer
• Saves an enormous amount of time and money during the credit approval process

CobaSys CBS ERP provide all information required to these instituisions : Creating Consumer and Commercial File provide
details of borrowers as given below :-
• Borrower (BS) segment generation
• Address Segment (AS):
• Relationship (RS) segment generation
• Credit Facility (CR) segment generation
• Guarantor (GS) segment generation
• Security Segment (SS)
CobaSys CBS ERP : SMS Alert Application
Balance Enquiry

Periodic balance alert

Transaction alert

Cheque clearance and bounced alert

Cheque book related alerts

Installment related alerts

Promotional alert

Alert for submission of stock statement

Threshold limit crossed alter

Missed-call based alerts

CobaSys CBS ERP : Mobile & Internet Banking

 Customer Functionality :
• Account summary / Account details / Detail & Mini Statement
• Pull Money Request / Authorize Pull Request
• Loan Repayment Schedule , Loan Interest certificate
• FD Interest and TDS certificate
• M-Passbook
• Recharge Functionality (Mobile/DTH/Data Card)
• Cheque Related (Request/ Enquiry/Stop Payment)
• Aadhaar Seeding
• ATM Card Block
• QR Code generation and Transact using QR Code
 Fund Transfer/Bill Payment
• Fund Transfer (Intra Bank)
• Fund transfer (Inter Bank : NEFT/RTGS/IMPS)
 Account Open/Request
• Term Deposit account open / Renewal / Payment / TDS statement
• Loan account
• Online Remittance Creation
 Service Gateway for Mobile Banking/Bill payment/other channels
BI : BankSys

KPI Page Dash Board

Slice,Dice and Drill Statistical Analysis

 BI for Banks : BankSys objective

1 1  This solution is structured in four layers as outlined in the RBI framework to meet all the activities and tasks
prescribed for implementing ADF system. It has ready data models key Features being the extensible Data
Creating CDR Model, System for Governance, External Data Capture functionality

2 2  The solution has data validating algorithms built in ETL and gives reports related to quality of data.
 The solution can be easily integrated with data quality tools and provides for strong data governance.
OBJECTIVES

Data quality

3 3 
Data integration from various source It has ETL routines and mapping from source systems like Finacle, Treasury, Central Accounts department,
systems deployed in the bank. etc.
 Data management platform consists of rich set of transformation for a variety of task, Integration Analytics
and Data Quality Transformation

4 4
Reporting, dashboards and conversion
to XBRL format.
 We have created 400+ reports in a public sector bank. Hence the data mapping to the reports are already
available.
 The reporting interface component of the proposed solution allows to create reports and dashboard with
drag and drop facility with a strong metadata management component.
 CobaSys CBS ERP : MIS
MIS
• Coverage of Membership
• KCC Scheme
• Crop - Wise Loan Disbursement
• Demand Collection and Balance Statement
• Period Wise Classification of Overdue
• Stock Position
• Details of Deposits Mobilized
• Growth in Share Capital
• Asset Classification and Provisioning Requirements
• Progress Report.
Agent Banking

Account Opening of all kinds as BC

Self Transfer by Customer

• Same bank - Same Branch Transfer
• Same bank - Different branch Transfer
• Transfer to Other bank
• IMPS Transfer
• NEFT / RTGS Transfer

Transfer through Agent

• Sender deliver Cash to Agent

• Transfer of Cash to other agent if different location
• Fund transfer to Receiver Account
 eHR: Talent Management System
Modules…..

Human
Manpower Organisation Attendance
Recruitment Resource Payroll Income Tax Leave
planning Structure
Inventory

Travel Assets
Employee Claim Charge LFC / LTC
& Promotion Transfer &
Loan Settlement Taking
Tour Liabilities

SMS, Letter Template Mobile

Appraisal Training Pension Email Reporting
Management builder APP
 eHR: Talent Management System
Modules

Shift Discipline
Scheduling Suspension Separations
Management Action

Collaboration Polls, Company Ticketing

Surveys blogs System
cKyc: Centralized KYC Application

 Uploading the customer data along with (POI,

POA and Docs) to CERSAI Customer Data
 Downloading the status of uploaded data
 Performing de-duplication on those data which
are in probable match category at CERSAI and
generating tow list to upload the same at
Customer cKYC Data
CERSAI Data Status
CERSAI Details
 Feature to download KYC details (Individual
and Bulk Format) from CERSAI
 Manual on field data collection teams

De-Duplication
AMLSys: Anti Money Laundering Solution
Captive Market Place: PreciseCart

• Buyer is getting the platform on their Mobile Portal and

Internet Banking
• Onboard merchants of that area
• Bank is known to buyer and supplier
• Order placement, Acceptance, Tracking, etc. Buyer
• Provide EMI facility to buyers as per their credit facility
calculated as per their data available with the system
• Target 0% EMI with tie-ups with Manufacturers
• Credit Limit facility with suppliers using SUPPLY CHAIN
Management system
• Milestone based Payment terms
• Suppliers will get complete accounting and inventory
solution for their work
• One supplier can connects his buyer to other suppliers and
earn.

Supplier
HRMS Mobile App for Attendance

Contactless Attendance: The biggest advantage of the APP is that the employee is always connected and thus can take requisite a
• Attendance Marking along with Photograph, Latitude, Longitude capturing. Thus attendance can be duly captured when employee is marking
from:
 Office
 Work from Home
 Official Duty
 Travel
o Attendance Approval and Report

Other Features
 Leave
o Leave Dashboard with Leave Request  Event Management
o Leave Cancel Request  Circular and Guidelines
o Leave Request Approval (Sub-Ordinate)  Grievance
 Travel  SOS Entry
o Travel Request  View SOS
o Travel Cancel Request  Employee Directory
o Travel Request Approval (Sub-Ordinate)  View Video
 Holiday List
 Opinion Poll
Data Center Operation

• 24 X 7 Operation Management
• Help Desk operation
• Application installation and Configuration
• Web server /Application server Configuration
• Database server setup and Configuration
• Data replication / DR setup
• Log management
• Application server / DB Server Health
monitoring
THANK YOU