Get Expert IT Solutions For Your Business – Natural Group

Category: case-studies

  • PNB e-HR

    PNB e-HR

    Overview

    Country or Region: India

    Industry: Banking

    Customer Profile

    Punjab National Bank RRBs(PNB)

    The Organization

    Punjab National Bank (PNB) is one of the leading public sector banks in India. It has a large retail-banking network of over 6950 branches and service counters that spreads out into the far-flung and remote areas. It is one of the 500 largest banks in the world, and enjoys a rich history and heritage. Over a hundred and eleven years old, PNB was the first Indian bank to be started solely with Indian capital.
    PNB has sponsored five Regional Rural Banks (RRBs) in order to mobilize financial resources from rural/ semi-urban areas and grant loans and advances mostly to small and marginal farmers, agricultural laborers and rural artisans. The area of operation of RRBs is limited to the area as notified by Government of India covering one or more districts in the state. The sponsored five RRB‟s are as under:
    1. Madhya Bihar Gramin Bank, Patna.
    2. Haryana Gramin Bank, Rohtak
    3. Himachal Pradesh Gramin Bank, Mandi.
    4. Punjab Gramin Bank, Kapurthala.
    5. Sarva UP Gramin Bank, Meerut.
    Each of the RRB is having their separate banking system but each of the RRB is governed by PNB.
    PNB RRB’s have their separate banking System, Banks were providing the manual solution to their HR related activities, which was quite time consuming and was more cumbersome. Payroll management, Leave management, Attendance Management etc. was not so easy to manage manually and later on the complete MIS reports for the same was not available.
    They wants automate the HRMS Related activities for proposed RRBs on a single instance for the all RRBs , Also they wants that Master Data for ALL RRBs should be same.

    One approach is to create separate application server and data base server for each RRBs with the separate web server.

    Serval drawback in this architecture

    • In each installation have the independent application to each server instance for each RRBs
    • Each server instance has separate settings and each server instance runs in its settings. Costly
    • There are duplication of work for number of times and cause more manpower requirement and changes of human error
    Bank people wants the various consolidated data on various attributes and it was very difficult to find the manual system all the manual entry need to be identified after that they find the data and analysis done . E Hr Solution overcome this problem with their Dash boards and MIS Reports
    In the manual system for pay the employee salary bank people post the one by one voucher for all the employee it is very time consuming process , E Hr Solution cover come the problem

    Business Situation

    Bank wants automate the HRMS Related activities for proposed RRBs

    They wants a single application server with separate Data base for the all RRBs with their separate banking system which can use by all the employees over the same network.

    In the manual system data consolidation is very difficult to the bank people and manual voucher to post for the employee salary for all employee

    Solution Process

    e-Hr Solution has been designed to generate, manage and look after the Customer requirement, for this business need, we design the solution with following approach.

    Approach is to create a single instance of web server in cluster mode, Single instance of application server in High availability mode with the single data base server in clustered mode, There are separate instance of the data base instance created on same DB server as per bank requirement. When the approx. 10,000 employee access to the application, request lands on web server identified the Application server instance and redirect the request appropriate instance of the application

    The advantage of a single instance is that

    • It uses less resource to server the same requests as multiple instances
    • quite simplified and easily manageable
    • Reduced hardware cost
    • Reduced resource consumption
    • Reduced maintenance
    • Reduced physical space requirement
    • Application is deployed at single place, all instance are linked with same binaries , only configurations are different for each instances
    • HTTP based routing decisions built using rules that examine HTTP request information
    • Management and monitoring of all configuration settings and aggregated runtime statistics through IIS Manager interface
    • Intelligent live request routing

    for redirect the request our approach is use to the ARR algorithm. The purpose is to attain optimal resource utilization, maximize request throughput, minimize response time, and avoid server overload

    Application Request Routing (ARR) is a proxy-based routing module that uses HTTP headers, server variables, and load balance algorithms to determine how to forward requests to content servers. ARR leverages the URL Rewrite module to incoming requests which comes from RRBs web browser

    ARR is able to cache on disk any HTTP traffic that passes through the server. By combining the disk caching capabilities along with a hierarchy of IIS Web servers running ARR

    The solution consist of following major parts

    • Private cloud ( Intranet Zone)
    • Internet cloud (Employee using HRMS application through public network)
    • Firewall and routers
    • DMZ (consist of web server in load balance mode)
    • Militarized Zone

    2) E Hr uses two key strategic enabling technologies that substantially improve the effectiveness of reporting solutions and enable institutions to achieve better results for senior management and employees

    OLAP Technology – providing speed, easy to use and powerful analytics. Data is load with the various data transformation algorithm in the cube for showing the instantly data. Data cleaning is also applied on various attribute like Gender, special category etc., and gender the various MIS Reports for management purpose.

    Dashboards – providing intuitive and simple access to key performance indicators, Scorecards, trends and key management information. Various dash boards like No of leaves ,Claim ,Travel etc. pending show on the employee login ,

    In the manual system for pay the employee salary bank people post the one by one voucher or give the cheque for all employee it is very time consuming process, to overcome this problem, E Hr Solution offer the text file for region wise, branch wise, Head office wise which is instantly post the salary on the salary accounts, apart from the salary E Hr also post the every claim amount which was approved by the management is post the employee account.

    • Reduce technical complexities related to data
    • Single port enabled
    • Reduce the manual work

    Silent Features

    Secure System

    1. Application server reside on militarized zone and not accessible from outside.
    2. All the Ports are restricted on firewall except required secured ports

    Technologies used

    Software development and deployment:

    1. Asp .Net , C#, java script , jQuery
    2. Sql Server
    3. HTML, Bootstrap
    4. SSIS ,SSAS,SSRS
    5. IIS, Application Request Routing, URL Rewrite
    HTML / JSP

    Java Applets and Servlets

    Struts framework

    JavaScript, JQuery

    Jersey

    AJAX

    JDK 1.6

    Multi-DataSource with Failover/Load-Balancing Features

    EJB (Entity ,Session – Stateful and Stateless and Message driven Bean)

    JMS (for mail functionality and audit Trail Recording)

    ANTS (For Application Deployment)

    Log4J (Application logging)

    JDBC

    Stylepad

    MSSQL Server 2008

    Technology Used

    Option1 : Each RRB has their separate server for Application and DB i.e. 5 App server and 5 DB servers

    Option 2: 5 Application instance would run on single APP server and 5 DB instance for each RRB would be created on single DB server

  • HPSCB

    HPSCB

    Overview

    Country or Region: India

    Industry: Banking

    Customer Profile

    The Himachal Pradesh State Cooperative Bank Limited [HPSCB] is the Apex Bank of H.P state of India.

    The Organization

    The Himachal Pradesh State Cooperative Bank Limited [HPSCB] is the Apex Bank of H.P state of India. HPSCB is also the largest State Coop. Bank in terms of number of branches constituting around 20% of the total State Cooperative Bank branches in the country.
    HPSCB is one of the fast growing banks in India having business around 11,000 Crores. HPSCB is the largest State Cooperative Banks in terms of number of branches. It has 241 branches and extension counters of which about 90% is in the rural areas of the state and one branch in Delhi. HPSCB offers a full range of financial Products and services in Himachal Pradesh including deposit taking, electronic banking, term loans and commercial bill acceptances.
    Himachal Pradesh has the distinction of having first Coop. Society Registered in India. Cooperative were primarily visualized as specialized agency for financing the credit requirement of rural people in the country particularly agriculture.

    The Organization

    HPSCB has contacted NSCS for providing the support on operational and technical issues. NSCS took over the latest source code available with them. NSCS has studied and understood the application with the help of banks business and technical team. In around 1 Months’ time period NSCS starts delivering the new enhancements along with existing bug fixing. From then NSCS has done following activities
    1. Performance tuning for
      • Interest calculation of term deposit and advances
      • Interest posting of term deposit and advances
      • Day-end and Day-open operations
      • Bulk transaction upload received from DBT and HP Govt. employee salary
      • MIS and financial report generation
    2. New Module development
      • AML (Anti Money Laundering)
      • Investment and Borrowings
      • eKYC
      • NEFT / RTGS / IMPS Implementation
      • PMJY, PMSBY and APY
      • PFMS
      • Mobile Banking
      • CIBIL and EXPERIAN DATA
      • cKYC (Centralized KYC)
      • Fixed Assets
      • AEPS
    3. Oracle Portal Rollout
    Himachal Pradesh has the distinction of having first Coop. Society Registered in India. Cooperative were primarily visualized as specialized agency for financing the credit requirement of rural people in the country particularly agriculture.
    The Bank is extending banking facilities in 5 districts viz. KANGRA, KULLU, HAMIRPUR, LAHAUL & SPITI and UNA through our affiliated District Central Co-operative Banks.

    Business Situation

    HPSCB has already implemented the CBS application of HCL. But from Aug. 2014 they have withdrawn their support and bank doesn’t have technical expertise even to support transactional / operational issues on daily basis.

    Solution

    A. To improve the performance of overall system and periodic operations we have taken following steps

    • Activity Identification
    • Java Application profiling
    • Analysis of Thread Dump
    • Monitoring the behavior of these activities
    • Contributing component and dependent component identification
    • Analyzing the queries and segregated into categories
      • Queries which are executed frequently with less execution time
      • Queries which are executed sometime but execution time is high
    • Identifying the root cause
    • Build solution and deployed
    • Compare the new results with previous results
    • New results are matching with desired result
    Based on found root cause following changes we have done in the system

    Database side

    • Table Partitioning for customers date wise balances
    • Table data re-organization
    • Index Optimization
    • Query Optimization
    • Cache Implementation

    Application Side

    • Process broken into Batches
    • Parallel Execution of Process
    • Case based different Locking mechanism

    B. New Development

    • AML (Anti Money Laundering)
      • It follows a modular design thereby providing flexibility to handle simple as well as complex business process
      • Easy workflow, user friendly screens, maker-checker feature for monitoring data and transaction integrity
      • Extensive Know your customer (KYC) as part of a bank’s on boarding and monitoring process for the customer due diligence
      • Integrated comprehensive case management workflow easy to use and streamlined to capture complete investigation details
      • Integrated library of 100+ rules library for monitoring activities required as per industry standard
      • Automated process to generate the regulatory reports like CTR/ STR / CCR as per the format prescribed by FIU
      • Customizable alerts which can be configured as per required frequency for Daily, Weekly, Monthly, etc
    • Investment and Borrowing
      • Using this module bank is managing the entire banks Investment and Borrowing portfolio. The current system is revalidating the periodic returns on FD and interest on Loan/borrowing by reverse calculation and system is logging the same
    • NEFT / RTGS
      To implement NEFT and RTGS functionality we have developed a batch application to pull the inward transactions from Message Queue (IBM MQ) and pushing the outward transactions into it.
    • SMS and Notification
      Based on business parameter SMS and Notification service is enabled and send to customer for their transactions.
    • eKYC
      eKYC client is also developed for bank to do the eKYC of their customer and based on successful response from UIDAI bank can open the account. This also helps the customers to avail govt. sponsored benefits.
    • MIS and Reporting
      The entire MIS and reporting is done through by implementing SSIS and SSRS. From here almost 150 different kinds of MIS can be generated with drilldown feature on various dimensions.

    Performance and Scalability

    Bank having around 20 Lacs of customers and they have all the latest digital payment features. So, bank has to complete all the activities with 100% accuracy within the available timeframe.
    So all the time consuming activities which are mostly complex in nature should be optimized to complete within time.
    Bank has to complete the month end activities in non-business hour. Also many of the tasks are already scheduled in non-business hours on daily, weekly and monthly basis. Therefore bank has very small window to complete the above task. Considering these application is designed, deployed and implemented in following way
    • Task sequencing
    • Each Task broken into process
    • Process are executed in parallel Threads
    • Implementation of use case based different Locking mechanism
    No. of SB account 13 Lac
    No. of Loan accounts 1.5 Lac
    No. of Term Deposits 7.5 Lac
    DBT request 15000 per day
    No. of transactions 2 Lacs per day (Normal Days)
    Govt. Employee Salary Transactions 1.5 Lac once in a month
    Interest calculation and posting 2 Lac (on Normal Month End)
    20 Lac (on Half Year End or on year End)
    Charges application quarterly (5 types) 2 Lacs of account
    No. of channels which are interacting Branch users
    Mobile Banking
    Internet Banking
    IMPS / NEFT / RTGS
    LMK
    Fee Collection
    ATM switch

    Core Banking Application is deployed in 3 tier Architecture

    • Web server
    • Application server
    • Database server

    Mobile and Internet banking deployed as

    • Web server
    • Database server

    Mobile banking web server is separate and is interacting with same application server of core banking. Mobile database is only managing the users profile, payee details and logging the activities.

    So, in entire solution there is only one source of truth that is core banking solution database.

    Availability

    To achieve high availability, core banking database replicated to banks near site DR. And one copy of application server as well as web server is also deployed there so that business continuity can be achieved if some mis-happening occurred at DC.

    Non- Functional Requirement

    Security Implementation

    To enhance the security of the core banking application we have implemented the following

    • SSL
    • MD5 hashing for sensitive fields like password, checksum generation
    • Added the HMAC concept for all delivery channels
    • All biometric are encrypted with session key (AES) and session key is encrypted with public key
    HTML / JSP

    Java Applets and Servlets

    Struts framework

    JavaScript, JQuery

    Jersey

    AJAX

    JDK 1.6

    Multi-DataSource with Failover/Load-Balancing Features

    EJB (Entity ,Session – Stateful and Stateless and Message driven Bean)

    JMS (for mail functionality and audit Trail Recording)

    ANTS (For Application Deployment)

    Log4J (Application logging)

    JDBC

    Stylepad

    MSSQL Server 2008

    Technology Used

    Application Architecture

  • Punjab National Bank Bancmate Customer Case Study

    Punjab National Bank Bancmate Customer Case Study

    Punjab National Bank Dramatically Improves Rural Banking in India

    Overview

    Country: India
    Industry: Banking

    Customer Profile

    Punjab National Bank (PNB) is one of the leading public sector banks in India. It has a large retail-banking network of over 4,400 branches and service counters that spreads out into far-flung and remote areas.

    Business Situation

    PNB was faced with the prospect of increased competition from new private and international banks. It also faced the challenge of linking all of its branch operations into a cohesive entity to serve its customers. The bank’s operations serve a widespread population that speaks many different languages.

    Solution

    PNB chose BancMate from Natural Technologies to run its branch banking operations on Microsoft® Windows Server™ 2003 and Microsoft SQL Server™ 2000.

    Benefits

    • Bilingual software improves customer relationships.
    • Easy to implement and troubleshoot
    • User friendly, cuts training time
    • Scalable from very small to large
    The Windows Server 2003–based solution was easy to implement as well as maintain remotely across our network of far-flung rural branches.”
    K. S. Bajwa, General Manager–IT, Punjab National Bank

    Punjab National Bank (PNB) is one of the 500 largest banks in the
    world, and enjoys a rich history and heritage. PNB was the first
    Indian bank to be started solely with Indian capital. Established in
    1895 at Lahore, and nationalized in 1969, it has worked
    assiduously to build the banking sector in rural and urban India. It
    has presence in remote areas of the country, cutting across cultural
    and linguistic boundaries. Computerization of the branches for data
    accuracy, operational ease, facilitation of customer interaction with
    banking products, and centralization of data was of concern for
    remote branches. One of the important reasons for choosing
    BancMate—a multilingual Total Branch Automation (TBA) package
    for rural and semi-urban branches—was that it is based on
    Microsoft® Windows Server System™, which provides ease of
    learning and intuitiveness, as well as the ability to easily implement
    and support solutions based on it.

    Read More

  • PTS 003

    Punjab National Bank Speeds Up Its Credit Proposal Process And Meets Targets

    Overview

    Country or Region: India
    Solution: Credit Proposal Tracking, Monitoring, Supervision & Reporting
    Industry: Banking

    Business Situation

    Credit proposals were taking too much time at PNB. Often, the reasons and location of delays were not known. Thus resulting in inordinate delays leading to customer dissatisfaction and indirect on bank’s business and image.

    Objective

    To have an online mechanism to monitor & track Credit Proposals originated from branches.

    Solution

    Using Microsoft Office Tools and NTPL solution, a web-based application developed using ASP and SQL Server, PNB now tracks the status of credit proposals. Online Credit Proposal Tracking mechanism helps in identifying gaps in the entire process

    Benefits

    • Completeness of information and uniformity in proposals through use of Office templates
    • Faster proposal clearance process
    • Improved follow up procedures
    • Increased accountability among staff
    • Targets achieved more easily
    • Online availability of information
    • Two-way information mechanism
    • Identification of areas for improvement
    • Electronic maintenance of information/records

    In our bank we are handling credit proposals with different level of sanction. The number of proposal has been increasing with bank emphasizing on increasing the credit portfolio. Deploying of Proposal Tracking and Monitoring Mechanism helped us monitor and track the processing stages of the proposal. This has not only helped in faster processing but blocking the hurdles and increasing the credit portfolio and achieving customer satisfaction. The customer complaints have reduced.” – Shri RIS Sidhu, General Manager-IT, Punjab National Bank.

    The Punjab National Bank (PNB) was established in 1895 in Lahore. Recently ranked 38th amongst top 500 companies by the Indian daily, Economic Times, PNB was nationalized in 1969. Today, PNB is a front-line banking institution in India, serving over 35 million customers.
    The Bank was facing long delays in its processing credit proposals originated at different levels. Proposal clearances were slow. PNB was losing good proposals and failing to meet targets. To tackle this, the Bank used Microsoft Office and Natural Technologies’ solution, based on ASP and SQL Server. A web-based application Proposal tracking System helped the Bank to create a uniform proposal format, track the status of each proposal, speed up the clearance process and meet targets. Employees use Word to create the proposals, while loan appraisal was done using MS Office. The Bank now has an end-to-end solution based on Microsoft technologies to monitor and track Credit Proposal and meet the business requirements.
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  • HrMate HPSCB Case Study

    HrMate_HPSCB Case Study

    Himachal Pradesh State Cooperative Bank Limited Uses e-Hr for their Complete HR Solution

    Background
    The banking environment in India has undergone a sea change, with private banks and international operators entering the fray and both retail and corporate banking becoming increasingly competitive and under cost pressure. Managing and tracking HR transactions coming under pressure with increasing business volumes. Banks are increasingly required to adopt innovative models to automate their processes to serve their employees better.
    Read More

  • Draft Bancscan Raichur DCCB

    Draft BancScan Raichur DCCB

    Raichur District Central Co-Operative. Bank Ltd. Deploys HCL BancScan for Increased Productivity and Competitiveness
    Cooperatives are important provider of financial services in India. The central cooperative banks are primarily visualized as specialized agency for financing the credit requirement of rural people in the country and bridging the urban-rural divide. Central Cooperative banks have consistently adopted new technologies and simplified banking processes for extending the reach of financial services.
    Read More

  • Bancscan HPSCB

    Himachal Pradesh State Cooperative Bank Limited Deploys NSCSPL BankSys for Increased Productivity and Competitiveness

    Draft BancScan HPSCB

    Himachal Pradesh State Cooperative Bank Limited Deploys NSCSPL BankSys for Increased Productivity and Competitiveness
    Cooperatives are important provider of financial services in India. The cooperative banks are primarily visualized as specialized agency for financing the credit requirement of rural people in the country and bridging the urban-rural divide. Cooperative banks have consistently adopted new technologies and simplified banking processes for extending the reach of financial services.
    Read More

  • Case Study KOSI Central Bank RRB

    Case Study -KOSI Central Bank RRB

    BancMate CBS – Case Study

    The Bilingual software company

    KOSI Kshetriya Gramin Bank rolls out Bilingual Core
    Banking to compete with the private sector and meet the
    requirements of OLA.

    Overview

    Country or Region: India
    Industry: Banking

    Customer Profile

    The Kosi Kshetriya Gramin
    Bank Limited [KOSI] is an
    regional regular bank of
    Central Bank of India of
    Bihar state of India. KOSI
    has 164 branches and
    extension counters spread
    through out the state.

    Business Situation

    KOSI was faced with the prospect of increased competition from new private and public sector banks. It also faced the challenge of linking all of its branch operations into a cohesive entity to serve its customers.
    The Organisation
    The Kosi Kshetriya Gramin Bank Limited [KOSI] is an regional regular bank of Central Bank of India in Bihar state of India. KOSI has 164 branches and extension counters spread through out the state. KOSI offers a full range of financial Products and services in Bihar including deposit taking, term loans and commercial bill acceptances
    The bank mainly caters to the needs of the farmers through the KCC Scheme. Apart from this, the bank also caters to the needs of individuals and government Employees/ Companies.
    Computerization of the branches for data accuracy, operational ease, to facilitate customer with banking products and centralization of bank’s data was the issue of concern for the far flung branches. One of the important reasons for choosing BancMate – a multilingual package for Rural and Semi Urban branches, was the, ease of learning and the intuitiveness of the software resulting into easy implementation and future support.
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  • Case Study HPSCB State Cooperative Bank

    Case Study HPSCB -State Cooperative Bank

    BancMate CBS – Case Study

    The Bilingual software company

    Himachal Pradesh State Coop. Bank, changes to BancMate Bilingual Core Banking to compete with the private sector and meet the requirements of OLA.

    Overview

    Country or Region: India
    Industry: Banking

    Customer Profile

    The Himachal Pradesh State Cooperative Bank Limited [HPSCB] is the Apex Bank of H.P state of India.

    HPSCB is one of the fast growing banks in India having more than 2400 Crores of deposits. HPSCB has 173 branches and extension counters spread through out the state and one branch in Delhi

    Business Situation

    Bank of Rajasthan wanted a solution to improve data analysis that would help the bank take more informed, market oriented, business decisions.

    Solution

    With assistance from Natural Technologies, Microsoft Certified Partner, Bank of Rajasthan standardized on Microsoft® Windows Server 2003 and Microsoft® SQL Server™ 2005 using BancMate, at its Jaipur central office and over 150 branches across India.

    Benefits

    HPSCB was faced with the prospect of increased competition from new private and public sector banks. It also faced the challenge of linking all of its branch operations into a cohesive entity to serve its customers.

    The Organization The Organization Organization
    The Himachal Pradesh State Cooperative Bank Limited [HPSCB] is the Apex Bank of H.P state of India. HPSCB is one of the fast growing banks in India having more than 2400 Crores of deposits. HPSCB is the largest State Cooperative Banks in terms of number of branches. It has 181 branches and extension counters of which about 94% is in the rural areas of the state and one branch in Delhi. HPSCB offers a full range of financial Products and services in Himachal Pradesh including deposit taking, electronic banking, term loans and commercial bill acceptances.
    Himachal Pradesh has the distinction of having first Coop. Society Registered in India. Cooperative were primarily visualized as specialized agency for financing the credit requirement of rural people in the country particularly agriculture.
    The Bank is extending banking facilities in 5 districts viz. KANGRA, KULLU, HAMIRPUR, LAHAUL & SPITI and UNA through our affiliated District Central Co-operative Banks, i.e. The Kangra Central Co-operative Bank and in district SOLAN through another affiliated District Central Co-operative Bank, The Jogindra Central Co-operative Bank as a District Central Cooperative Bank.

    Achievements :

    The H.P. State Co-operative Bank Ltd. is the National Award Winner, which has been
    conferred for achieving overall excellence in banking operations.

    The H.P. State Co-operative Bank Ltd. is the first Co-operative Bank of India to
    implement Total Branch Automation software in all its branches.

    One of the first bank to opt for Core Banking Solution way back in 1999

    Read More

  • Bank of Rajasthan Bancmate Customer Case Study

    Bank of Rajasthan Bancmate Customer Case Study

    Regional Bank Improves Real Time Access to Information and Connectivity across Rural Branches

    Overview

    Country: India
    Industry: Banking

    Customer Profile

    The Bank of Rajasthan was established on May 1943 with an initial capital of INR 10 lakh. Today it has 439 branches and around 4000 employees in the country

    Business Situation

    Bank of Rajasthan wanted a solution to improve data analysis that would help the bank take more informed, market oriented, business decisions.

    Solution

    With assistance from Natural Technologies, Microsoft Certified Partner, Bank of Rajasthan standardized on Microsoft® Windows Server 2003 and Microsoft® SQL Server™ 2005 using BancMate, at its Jaipur central office and over 150 branches across India.

    Benefits

    • Facilitates informed decision making and business planning
    • Real time access to critical information
    • Improves inter branch connectivity
    • Enhances customer service
    I find it absolutely amazing that the finalized financial results of the year ending 31st of March, 2006, are on my table on the 1st of April, 2006.

    LB. M. Sharma, Managing Director, Bank of Rajasthan

    The Bank of Rajasthan is a leading private sector bank in north India. Its central office is located in Jaipur, Rajasthan. The bank has 12 regional offices, above 450 branches and extension counters, around 350 online branches, 100 fully computerised branches, and 5 service branches, spread across the country.

    The Bank standardized on Microsoft® Windows Server 2003 and Microsoft® SQL Server™ 2005 for consolidation of their data of distributed branches using BancMate, a bi-lingual banking solution from Natural Technologies (P) Ltd.. Bank of Rajasthan was able to create and finalise the balance sheet for year ending March 31, 2006 on April 1, 2006. This is an achievement of sorts in the banking industry as 40 percent of the bank’s branches are located in rural and semi urban India. Access to information also implies that the bank can take more informed decisions thereby making the business more profitable and expanding its presence across India.

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