Branch Module

SAVING DEPOSITS
  • Account opening
  • Modification of account details
  • Nominee, Guardian, Introducer, Joint Holders
  • Multiple Address etc
  • Accepting transactions through cash, transfer
  • Product accumulation
  • Interest calculation
  • Interest Posting
  • Closing of Account
CURRENT DEPOSITS
  • Account opening
  • Modification of account details
  • Nominee, Guardian, Introducer, Joint Holders
  • Multiple Address etc
  • Accepting transactions through cash, transfer
  • Product accumulation
  • Interest calculation
  • Interest Posting
  • Closing of Account
RECURRING DEPOSITS
  • Account opening
  • Nominee, Guardian, Introducer, Joint Holders
  • Multiple Address etc
  • RD Passbook Printing
  • Premature withdrawals
  • Late Installment Penalty Calculation
  • Accepting transactions through cash, transfer
  • Interest calculation
  • Option to pledge Accounts against loans
  • Interest Posting
  • Closing of Account
FIXED DEPOSITS
  • Account opening
  • Modification of account details
  • Nominee, Guardian, Introducer, Joint Holders
  • Multiple Address etc
  • Rate of interest is automatically picked up from interest table
  • Handling different types of deposits like cash certificates
  • Receipt Printing
  • Premature withdrawals
  • Accepting transactions through cash, transfer
  • Monthly / Qtrly / Half yearly interest calculation
  • Simple / Compounded / Discounted Methods
  • Option to pledge receipts against loans
  • Auto posting of Interest to saving bank account
  • Electronic Payment through ECS/EFT/NEFT
  • Interest Posting
  • Closing of Account
DAILY DEPOSITS
  • Account opening
  • Modification of account details
  • Nominee, Guardian, Introducer, Joint Holders
  • Multiple Address etc
  • Accepting transactions through cash, transfer
  • Product accumulation
  • Interest calculation
  • Interest Posting
  • Interface to Daily Collection Machines
  • Premature Withdrawals
  • Agent Commission Calculation and Posting
  • Option to calculate TDS, Allowances and deductions
  • Option to deduct security deposit from agent commission
  • Loan Installment deducted from agent commission
  • Closing of Account
LOANS & ADVANCES
  • Account opening
  • Modification of account details
  • Joint Holders, Surety
  • Multiple Address etc
  • Loan Against Fixed Deposits, Daily Deposits and Recurring Deposits
  • Loan Against Vehicle with vehicle details and insurance
  • Loan Against gold with information related gold kept
  • Loan Against govt securities like NSC/LIC/IVP
  • Option of EMI and NON EMI Loans
  • Accepting transactions through cash, transfer
  • Auto Calculation and Posting of interest at the time of receipt
  • Option to pledge receipts against loans
  • Interest Calculation and Posting
  • Option to create loan charges heads
  • Penalty Interest calculation and posting
  • Loan Interest rate history
  • Automatic transfer of installments from Saving Deposit
  • Auto posting of Deposit interest to loan accounts
  • Loan Recommended by Directors
  • Ear marking of suit filed accounts. Option to enter suit section code
  • Closing of Account
  • Overdue Register
NON PERFOMING ASSETS
  • User definable NPA Slabs
  • Automatic Updatiion of NPA Status
  • NPA Register
  • Classification of NPA
  • Format No-I
  • Format No-II
SHARES & MEMBERSHIP
  • Account opening
  • Modification of account details
  • Nominee, Guardian, Introducer, Joint Holders
  • Multiple Address etc
  • Dividend Calculation with monthly/Yearly/Daily Products
  • Automatic export of dividends to saving, Loan accounts
  • Export of Dividend to branch
  • Dividend Payable/paid Register
  • I-Form, J-Form
  • Certificate generation
  • New Shares, Additional, withdrawal and transfer of shares
CASHIER MODULE
  • Option to have multiple cashier
  • Capture cash denominations
  • Cashier wise cash balance
  • Option to transfer cash from one cashier to another
  • Cash in safe/ cash in hand
  • Cash Exchange
  • Cash Reconciliation
SALARY RECOVERY
  • User defined Recovery Heads
  • Fully Parameterized
  • Recovery for more than one RD Account
  • Surety Recovery
  • Option to add Pending Recovery
  • Export of Recovery through in Text/DBF/ACCESS format
  • Import of Recovery through Text/DBF/ACCESS format
  • Generation of Difference Recovery
BOOK OF ACCOUNTS
  • Voucher through cash/bank and transfer
  • Multiple bank accounts
  • User defined general ledger heads
  • Fully Parameter control
  • Option to single entry/double entry accounting system
  • Day Book
  • Sub day books
  • Cash Book. Monthly Cash Summary
  • Receipt and Payment Register
  • Trial Balance, Simple and Group wise
  • User defined balance sheet & Profit & Loss Heads
  • Balance Sheet
  • Profit & Loss Accounts
  • General Ledger Detailed and Monthly Summary
PASS BOOK PRINTING
  • Interface to Passbook printer of any company
  • Pass book can be fully customizable
  • Multiple formats for pass books for different heads
  • Passbooks can be printed for loans, SB, RD etc
DAILY DEPOSIT MACHINE
  • Interface to Daily Collection of Machines
  • Option to use different machines of different vendors
  • Fully Customizable and parameter driven
SIGNATURE
  • Scan and store signature of all accounts
  • Supports up to 10 signatures/photos per account
  • Scan Loan Documents in case of loan accounts
  • Signature can be viewed from any option just be pressing a hot key
  • Signature displayed at the time of payment
STANDING INSTRUCTION
  • Accepting standing instructions on all accounts
  • Automatically transfer amount from saving a/c to RD
  • Automatically Transfer amount from daily to loan
  • Option to transfer all amount from daily to loan
  • Option to lock amount from daily
  • Deduct agents commission while transferring from loan to daily
  • FDR Interest can also be transferred to loan
ELECTRONIC PAYMENT
  • Send Payments directly to customers bank accounts
  • Option to send using Electronic Clearing System (ECS)
  • Electronic Fund Transfer Option (EFT)
  • National Electronic Fund Transfer Option (NEFT)
  • FD Interest can be credited to customers bank account
  • Loan Payment can be credited to customers bank account
MULTILINGUAL
  • Accepts Name fields in regional languages
  • Selected Reports in Regional language of choice
ANY BRANCH BANKING
  • Customer can deposit/Withdraw from any branch
  • Balances are updated In real time
  • Customer can view is balance from any Branch
  • NOTES
  • Internet connection required
  • Branch to HO Connectivity is Required
SECURITY
  • Password Management system
  • Audit Log showing Changes done by User
  • Day Closing And Day Opening controls
  • Three levels of voucher flow control
  • Scrolling / Passing and cashier authorization
  • Attendance checking
MISCELLANEOUS
  • Reports Can be exported to Excel
  • Create Letters in Ms Word and link it to the software and generate your own letters
  • Details of Customer with address can be exported to branches
  • RBI Bank Master export
  • Members label printing
  • Graphical analysis of reports
  • Exhaustive reports
  • Dos Mode/Windows Mode Printing Options