Software for Co-operative Banks

Features List

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CCS Technologies (P) Ltd.

www.ccstechnologies.co.in ccs@ccstechnologies.co.in

CoBank-Plus : Software for Co-operative Banks

ABOUT US

CCS Technologies (P) Ltd. is one of the first Software Houses in South India with over two decades of hardcore expertise in areas ranging from SAP Implementation, System Consultancy, Banking Solutions, Media Solutions and Data Processing. CCS Technologies provides software solutions for small and large organizations. Media giants like Malayala Manorama group of companies outsource their complete IT requirements to us. CCS Technologies has excellent infrastructure with more than 100 highly skilled software professionals and a wide support network. Co Bank Plus Cobank Plus is a banking software solution developed by CCS TECHNOLOGIES which enables complete computerization of co-operative banking operations. It was developed from ground up with close interaction with experts in banking domain and has took nearly 7000 plus man-days for development. It not only benefits from the technical expertise of the company and banking domain expertise of the consultants but also from the problems faced by the consultants and end users during computerization of co-operative banks. The system can grow with ever increasing demand of the user. The modular structure makes the future expansion easier.

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CoBank-Plus : Software for Co-operative Banks

Contents 1. 2. 3. Package Summary Module Listing Module wise features 3.1 Membership 3.1.1 3.1.2 3.2 Membership Ledger Liability Scrutiny 9 10 5 7

Deposit 3.2.1 3.2.2 3.2.3 3.2.4 Ordinary Term Notice Recurring 11 12 13 14

3.3

Loan 3.3.1 3.3.2 3.3.3 3.3.4 Emergency Loan Gold Loan Termed Loan Loan on Deposit 15 16 17 18 19 21 22

3.4 3.5 3.6 3.7

Overdraft Chitty Locker Verification 3.7.1 3.7.2 3.7.3 Passing Official Cashier Denomination

23 24 25

3.8

Accounts 3.8.1 3.8.2 3.8.3 3.8.4 MIS - Line Diagram MIS - Pie Diagram RBI Reports Form IX Balance Sheet Template 26 27 28 29 30

4.

Hardware Requirements

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Package Summary

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Package Summary Core Banking Any Branch Banking Interface to Bio-Metrics & ATM Fully automated paperless banking solution. Guarantees calculator free operations. 19 banking modules (Membership, loan, Deposit, Over draft, Chitty/GD, Portfolio etc) and 2 plug in (Payroll, Fixed Assets) modules. 350 plus tables, 300 plus user interfaces and 10000 plus functions. Over lakhs of features and two thousand reports. Ledgers and Registers of all modules are identical to Bankbooks. Web style Interface for easy navigation. Uniform screen layouts. Built In security module with client definable user types and access control up to individual fields. MIS Statements, Graphical Reports, Statistical and RBI Statements for effective monitoring and decision-making. Multiple Branch operations. Any mode (CD, Tape, dial up..) of data transfer for distributed database. Dynamic Balance Sheet at any time (Automatic calculation of Balance Sheet parameters including Payables and Receivables) and provision for Tentative Balance sheet. Fully supports Single Window banking. Member and Deposit search based on more than 300 combinations. Automated Cheque Book Stock register to Cheque Leaf Issue Register. Look Up provided for key fields in all modules for easier information retrieval. Transfer From/To ordinary deposit and overdraft accounts allowed in transaction user interfaces of all modules. Installment date shifting based on holiday definition. A product that allows staff to concentrate on customer relations instead of banking functionality.

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CoBank-Plus : Software for Co-operative Banks

Module Listing

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CoBank-Plus : Software for Co-operative Banks

2 Module Listing 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. Bank and Branches Director Board and Committee Employee Membership and Dividend Deposits (Ordinary, Term, Recurring, Notice) Loan (Emergency, Term Loan, Gold Loan, Deposit Loan) Chitty/GD/MBF Locker Over Draft/Cash Credit (Member/Staff) Mutual Arrangement Scheme of Kerala (Demand Draft / Mail Transfer / MICR) Bill Collection Cash/Bank Books. Due By / Due To Personal & Acs Miscellaneous (Holiday, Auditorium & Defaults) Portfolio Other Bank Investment (Ordinary, Term, Notice, Share, Bond) Verification (Passing Official, Cashier, Reminder, Scrolls, Daybook, Denomination) Accounts (Position, MIS & RBI Statements) Security Payroll Fixed Assets

22. Note:Ledger Interface and Liability Scrutiny of Membership module, Ledger Interfaces of Deposit, Loan, Overdraft, Chitty and Locker Modules, Verification interfaces of Passing Official and Cashier, Denomination, Graphical Statements, Form IX of RBI reports and Balance Sheet Template are shown as samples. For details of other user interfaces of modules please contact us.

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CoBank-Plus : Software for Co-operative Banks

Module wise features

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3.1.1 Membership

Member related transactions can be carried out from a single user interface (screen). Members Photo and Signature can be stored within the database (system). Member Liability statement as on a date. Dividend calculation based on dividend percentage declared. Dividend Registers for a financial year, Paid during a period/date, Payable during a period/date.

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3.1.2 Membership Liability Scrutiny

Liability as on a date for specified member number. Provision to choose between Direct and Indirect Liability or both can be calculated simultaneously. Flexibility in modules to be considered for liability calculation. Provision for taking printouts of member liability.

Available from all ledger screens .

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3.2.1 Deposit Ordinary

For a given deposit type, different interest rates can be set for different customer types for a period. Details of Bills pending for the account can be retrieved directly. Automatic Transfer of Inoperative/Unclaimed/ Interest Application/Folio Charge deduction etc. Cheque validation during payment transaction. (Cheque Number, Cheque Date, Account Limit)

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3.2.2 Deposit Term

Provision to capture rates for Loan on deposit. Interest calculation takes holidays also into account if maturity date falls on a holiday. (depends on the attributes set during deposit definition). Simple or Compound Interest Calculation. Automatic lien adjustment during account closing. Matured Deposit Transfer wizard for automatic closure of matured accounts of the selected deposit type and opening of respective Matured Deposit accounts. Cash Transaction limit verification during payment. Renewal of accounts allowed based on deposit type attributes and renewal history is maintained.

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3.2.3 Deposit Notice

User definable deposit types and its attributes. For a given deposit type, different interest rates can be set for different customer types for a period. Provision to capture rates for Loan on deposit. Automatic account number generation. Joint account operation with up to four depositors. Provision to capture Operator/Nominee/Guardian details. Interest calculation takes holidays also into account if maturity date falls on a holiday. (depends on the attributes set during deposit definition). Automatic lien adjustment during account closing. Cash Transaction limit verification during payment. User updateable Deposit Notice date.

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3.2.4 Deposit Recurring

User definable deposit types and its attributes. For a given deposit type, different interest rates can be set for different customer types for a period. Provision to capture rates for Loan on deposit. Automatic account number generation. Joint account operation with up to four depositors. Provision to capture Operator/Nominee/Guardian details. Provision to freeze accounts. Automatic lien adjustment during account closing. Cash Transaction limit verification during payment. Automated Pending installment and fine calculation. Quarterly Compounding Interest Calculation. Provision for Extension of due date of a matured account if any installments are pending.

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3.3.1 Loan Emergency Loan

Can define various types of loans and its attributes. Interest revisions for each type of loan that can be applied only to new loans or all existing loans. Application processing. Eligible amount calculation (based on shares held, salary, liability & arrears) User definable asset grading & NPA report. Interest amount calculation from the given date and reverse calculation of interest-applied date from the given received amount. The interest calculation take cares all the interest revisio ns. Transaction history will be shown in tabular format on ledger entry screen. Net liability/arrears of the loanee and the liability report is available in the ledger as well as application. Notice generation. Various types of arrear/ balance statements.

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3.3.2 Loan Gold Loan

Can define various types of loans and its attributes. Interest revisions for each type of loan that can be applied only to new loans or all existing loans. Application processing. Eligible amount calculation (based on weight and market value of gold). User definable Asset grading & NPA Report. Interest amount calculation from the given date and reverse calculation of interest-applied date from given amount. Transaction history on the ledger entry screen in tabular format. Net liability of the loanee. Report of comparison of market value of the gold with net receivable amount. Gold stock register Various types of arrear/ balance statements.

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Loan Termed Loan

Can define various types of loans and its attributes. Loan sureties can be member, property, vehicle or a combination of these. Interest revisions for each type of loan that can be applied only to new loans or all existing loans. The interest calculation take cares all the interest revisions Application processing, Committee recommendation report. Recommended amount & installments calculation based on user definable parameters. ie, Shares held, salary, liability, arrears, retirement period, property value, share held by surety, salary of the surety, retirement period of the surety etc. Various types of arrear/ balance statements & Notice generation. User definable asset grading & NPA Report. Interest amount calculation from the given date and reverse calculation of interest-applied date from the given amount. Transaction history on the ledger entry screen in tabular format. Supports EMI installment calculation, re-fixing installment based on interest revisions and multi-part payments. Rebate calculation, Net liability of the loanee and sureties..

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3.3.4 Loan - Loan on Deposit

Can define various types of loans and its attributes. Application processing. Recommended amount calculation (based on deposit amount balance and other liabilities of the deposit). User definable asset grading & NPA Report. Interest amount calculation from the given date and reverse calculation of interest-applied date from the given amount. Transaction history on the ledger entry screen. Net liability of the loanee. Lien statement. Auto-updation of lien details at the time of disbursement, receipt and closing. Various types of arrear/ balance statements.

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3.4 Overdraft

User definable Overdraft Type and its attributes. For a given overdraft type different rates can be set for different limits and these rates can be revised. New limits can also be defined for the overdraft type. Overdraft types can be defined against surety of Member, Vehicle, Property, Gold and Deposit. The criterias to be considered for Limit determination can be given individually for each surety type. NPA grades can be defined for each Overdraft Type. Overdraft Application Processing. Overdraft applicant details fetched directly from membership module based on the given member number. Member Liability statement As on a date. For OD against Member or Deposit surety details will be fetched directly from the respective modules. Recommended Limit calculation based on surety and generation of report for submission to committee.

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All Overdraft related transactions can be carried out from a single user interface (screen). OD Interest calculation based on daily minimum balance. Interest amount and Interest up to date will be calculated based on Transaction date or on the amount involved in the transaction. Cheque validation during payment transaction. (Cheque Number, Cheque Date, Account Limit) Provision for renewal OD account based on overdraft type attributes and renewal history is maintained. OD account limit can be revised. Interest dues will be calculated based on the limit applicable for the period concerned. Provision for declaring an account as NPA. Details of Bills pending for the account can be retrieved directly. Overdraft transactions shown in a tabular format with the last three transactions immediately visible. Provision for entering other charges. Account holder addresses can be updated from Overdraft module itself, which will be reflected in membership module also. Interest Application Wizard for calculating and applying interest for all accounts of the selected overdraft type for the specified period. Provisio n for issuing Stop Memo against an account or Stop Payment against a cheque. Provision to Return/ Refer cheque leaves. Overdraft Registers (Opened, Closed, Freezed, Expired). Overdraft Annual Statement, Summarized or Detailed or Rangewise Overdraft As On statement. Cheque Stop memo, Returned and Returned Listing. OD Account Balance Confirmation certificate.

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3.5 Chitty/GD/MBF

Can define various Chitties/GDs. Chitty/ GD suspense collection facility, Automatic transfer of chitty/GD suspense to premium a/c at the time of registration and Automatic creation of foremans installment receipt auction transfer. Transaction history will be displayed in tabular format on ledger screen. Future liability of the chittal will be displayed on the screen. Chittal addresses can be updated from the module itself, which will be reflected in membership module also. Fully automated calculation of premium, veetha palisa, ready commission, interest, foremans commission and bid amount. All Chitty/GD related transactions can be carried out from a single user interface. Various reports like Chitty daybook, chitty subsidiary ledger, chitty cash book, chitty extract, chitty arrear details, Kurry table, chittal lists, nondefaulted chittals, Chitty balance sheet etc. Provision to enter chitty related miscellaneous expense and income. Facility to enter chitty related sureties( members, deposits & others) which will be considered in the liability and lien calculation.

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3.6 Locker

User definable lockers. User definable locker types based on cell dimensions of the defined locker, Locker rent definition based on Locker types and Facility for Locker Rent revision. Provision for mapping key numbers to locker cells, defining Bank Locker cell in a given locker. Locker Application processing with Graphical representation of locker cell availability. Storage of standing instruction for locker rent collection. Locker rent notice generation. Automated calculation of Locker dues. Graphical representation of locker and locker cell status (Arrear, Joint, Disabled, Vacant, Occupied) Rent revisions in the period concerned are also taken into account for Rent calculation.

Locker Transaction Log is maintained.

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3.7.1

Verification - Passing Official

Passing official user interface in which details can be seen on a Daily basis. Cash and Transfer transactions available in separate tabs for easier verification. Provision for viewing Passed and Not Passed Transactions separately or together. Transactions can be viewed in summarized or detailed formats. Receipt and Payment transactions can be viewed separately or simultaneously. Passed / Unpassed Status of associated transactions will be set automatically when user changes status of any one transaction.

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3.7.2 Verification - Passing Cashier

Cashier Verification user interface in which details can be seen on a Daily basis. Receipt and Payment transactions available in separate tabs for easier verification. Provision for viewing Passed and Not Passed Transactions separately or together. Passed / Un passed Status of associated transactions will be set automatically when user changes status of any one transaction. Provision for Batch Processing of multiple vouchers to determine net payable or receivable.

Cash Book

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3.7.3 Verification - Cashier Denomination

Cashier denomination in which user only has to input Cash Taken to Counter and Counter Closing Balance.

Cashier scroll net balances shown for easier balance determination and verification.

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3.8.1 Accounts MIS-Line diagram

User definable templates. User definable items of comparison.

Infinite combination of items to perform comparison. Consolidated bank (Head Office) as well as Branch wise performance over a period.

Enables efficient monitoring and decision making by board of directors.

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3.8.2 Accounts MISPie diagram

Enables efficient monitoring and timely decision making by board of directors.

Consolidated bank (Head Office) as well as Branch wise position as on the date.

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3.8.3 Accounts RBI Report Form IX

Template based RBI statements. User definable head details

Provision for retrieving previous RBI filings.

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3.8.4 Accounts Balance Sheet Template

Dynamic anytime RBI & Departmental balance Sheet with reserves, payables & receivables. Dynamic anytime Balance Sheet from user defined templates.

Provision for retrieving previous Balance Sheets/template.

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4. Hardware Requirements P IV 2GHz or above Intel 845 Chipset or above 512 MB DDR Ram or above 20GB Hdd 7200 RPM or above Ultra SCSI HDD Os: Win 2K or above Software Db: Sybase ASA Server 7 Server P IV 1.8GHz or above Intel 845 Chipset or above 256 MB DDR Ram or above 20GB Hdd 5200 RPM or above Os: Win 9x or above Software Db: Sybase ASA Server 7 Client Data Backup Printer Peripherals Internal/External CD Writer / Tape Drive Statement: 132 Col Printer with required pin & cps Preprinted: 80 Col Printer with required pin & cps Required resolution Digital/Web - Required resolution 56Kbps (If consolidation via dial up is required) 500VA per machine (approx.) 400VA per machine (approx.)

Hardware Server

Hardware Client

(Optional)

Scanner
(Optional)

Camera Modem

(Optional) (Optional)

Generator Backup Power

(Optional)

UPS

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