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BancMate (Core Banking System)
Core Banking is the backbone of any financial institution. BancMate provides Customer Management, Account Management, Deposits, Loans, Fund Transfers (NEFT/RTGS/IMPS), Interest and TDS Management, Clearing, and Reconciliation — delivering seamless, secure, and real-time banking across all branches and channels
Key Features / Modules:
Account Management
Interactive Image Concept
Imagine a central dashboard image representing your core banking system. Each module (Account Management, Fund Transfer, Loans, Deposits, etc.) is a clickable icon.
Three-tier web-based architecture supporting real-time online transactions.
Built on scalable and robust technology stack, primarily using Java (J2EE) for high performance and flexibility.
Supports multiple operating systems: Unix, Linux, Windows.
Compatible with a wide range of RDBMS platforms:
Oracle 11g, MS-SQL, MySQL, PostgreSQL.
Application server compatibility includes:
JBoss, WebLogic, WebSphere, WASCE.
Single Centralized Database for all connected branches/offices ensuring real-time data consistency and centralized control.
User authentication via secure login with role-based access control.
Maker-Checker concept implemented to ensure proper transaction authorization and segregation of duties.
Approval Level Parameterization to define multi-level approval workflows as per organizational policy.
User-defined rights for addition, modification, and view functions.
Master Data Creation in a Core Banking System provides a centralized and structured way to manage key business entities such as Customers, Accounts, Loans, Deposits, and Branches. It ensures data consistency, accuracy, and compliance across all modules.
Key Features:
Centralized and secure master database.
Unique Customer ID (CIF) for all linked accounts.
Configurable loan and deposit product masters.
Standard codes for transactions, charges, and interest rates.
Maker-checker approval workflow for data accuracy.
Audit trail for every master record change.
Seamless integration across all banking operations.
Branch / Office Master: Details of all branches for location-based operations.
Customer Master: Stores customer info, KYC, and generates unique Customer IDs.
Account Master: Defines account types, links to customers, and manages rules.
Product Master: Holds parameters for deposits, loans, and other banking products.
GL Master: Maintains chart of accounts for financial transactions.
Interest & Charges Master: Sets interest rates, fees, and penalties.
User / Designation Master: Defines user roles, access levels, and approvals.
Channel Master: Controls digital payments like NEFT, RTGS, IMPS, and UPI.
Parameter Master: Stores system codes and configuration settings.
Stock Master: Central record of all inventory items (cheque books, debit cards, passbooks, stationery, etc.).
Branch Inventory: Tracks item quantities, stock in/out, and transfers between branches.
Vendor Master: Maintains supplier details for procurement and replenishment.
Item Issue & Return: Manages item issuance to customers or staff and tracks returns.
Reorder & Alerts: Monitors minimum stock levels and triggers automatic replenishment alerts.
Audit & Reports: Provides detailed tracking, stock valuation, and audit trails for compliance.
Centralized Database: Real-time data access across all branches.
Customer Management: Single Customer ID for all accounts and services.
Account Operations: Supports savings, current, deposit, and loan accounts.
Fund Transfers: Integrated with NEFT, RTGS, IMPS, and UPI for instant payments.
Interest & Charges Management: Automated interest and fee calculations.
User Access Control: Role-based permissions for secure operations.
Reporting & Compliance: Automated MIS, audit trails, and regulatory reports.
Digital Banking Integration: Connects seamlessly with mobile and internet banking.
Create Customer ID, manage KYC, contact info, and segmentation.
Open/manage Savings, Current, Fixed, Recurring accounts.
Link accounts to cards, mobile, and UPI.
NEFT: Batch-based fund transfer.
RTGS: High-value instant transfer.
IMPS: 24×7 instant transfer using mobile/account.
UPI: Instant mobile-based payments (P2P & P2M).
Manage personal, home, vehicle, SME loans with EMI, interest, and collateral.
Manage interbank lending, bonds, forex, and liquidity.
Debit/credit/prepaid cards, digital payments, fraud monitoring.
AML, RBI reports, tax reporting, MIS, dashboards, analytics.
Mobile & internet banking, UPI, wallet, AI chatbots for self-service.
Provides a live overview of banking operations with metrics such as:
Total Deposits, Total Withdrawals, and Net Balance
Active Loan Accounts, Outstanding Loan Amount, and Overdue Loans
Interest Income vs Interest Expense
Transaction Volume and Value (NEFT, UPI, IMPS, RTGS)
Revenue Growth Trends and Profitability Ratios
Customer Acquisition Rate and Account Activity Levels
Offers in-depth insights into the loan portfolio, including:
Loan Disbursement Summary (daily/monthly/quarterly)
Loan Type-wise Analysis (Personal, Home, Vehicle, Gold, MSME, Agriculture)
Branch-wise Loan Performance
NPA (Non-Performing Assets) Tracking with risk categorization
Repayment Performance (On-time, Delayed, Default)
Interest Accrual and Income Recognition
Credit Score Distribution and Borrower Segmentation
The Himachal Pradesh State Cooperative Bank (HPSCB) stands as a pillar of financial empowerment in the region — driving inclusive growth through cooperative banking. With a strong rural footprint and a vision for digital transformation, HPSCB connects communities with secure, reliable, and modern banking services.
Statewide Reach — A robust network of branches across urban and rural Himachal, serving thousands of individuals and cooperative societies.
Rural Upliftment — Focused on farmers, self-help groups, and small businesses — supporting local economies at the grassroots level.
Digital Transformation — Adopting modern Core Banking Systems, digital banking channels, and secure infrastructure.
Financial Inclusion — Committed to bringing unbanked populations into the formal financial system.
Trusted Legacy — Decades of service backed by transparency, integrity, and cooperative values.
Empowering Banking with Modern Core Banking System
Parwanoo Urban Cooperative Bank (PUCB) has successfully adopted a modern Core Banking System (CBS) to enhance its operations and deliver efficient, secure, and digital banking services to its customers.
With the implementation of this CBS, PUCB can now manage accounts, loans, deposits, and transactions seamlessly, offering customers real-time services and a smooth banking experience. This upgrade has strengthened the bank’s ability to serve its urban and semi-urban community more effectively.
Key Benefits of the CBS for PUCB:
Faster Transactions – Real-time processing of deposits, withdrawals, and fund transfers.
Secure Banking – Enhanced data security and fraud prevention measures.
Digital Access – Customers can access accounts and services anytime through digital channels.
Operational Efficiency – Automated workflows reduce manual work and improve accuracy.
Customer Satisfaction – Better service delivery and transparent banking operations.
This step marks a significant milestone for PUCB in modernizing its banking operations, making services more accessible, efficient, and reliable for all customers. The adoption of a CBS reflects PUCB’s commitment to progressive, technology-driven cooperative banking in Himachal Pradesh.
Modern Core Banking for Efficient and Digital Banking
Chamba Urban Cooperative Bank (CUCB) has successfully implemented a Core Banking System (CBS) to enhance its banking operations and provide fast, secure, and digital services to its customers.
With this system in place, CUCB can efficiently manage accounts, loans, deposits, and transactions, delivering real-time and convenient banking experiences. The upgrade strengthens the bank’s ability to serve its urban and semi-urban communities effectively.
Key Benefits of the CBS for CUCB:
Faster Transactions – Real-time processing for deposits, withdrawals, and fund transfers.
Secure Banking – Improved data security and protection against fraud.
Digital Access – Easy access to accounts and services through digital channels.
Operational Efficiency – Automated processes reduce manual errors and save time.
Customer Satisfaction – Transparent operations and improved service quality.
The implementation of a CBS marks an important step in modernizing CUCB’s banking services, reflecting
Empowering Banking with Modern Core Banking System
Mandi Urban Cooperative Bank (MUCB) has successfully adopted a Core Banking System (CBS) to strengthen its operations and deliver efficient, secure, and digital banking services to its customers.
With the CBS in place, MUCB can now manage accounts, loans, deposits, and transactions seamlessly, providing real-time and convenient banking experiences. This upgrade enables the bank to serve its urban and semi-urban communities more effectively and efficiently.
Key Benefits of the CBS for MUCB:
Faster Transactions – Real-time processing for deposits, withdrawals, and fund transfers.
Secure Banking – Enhanced data security and protection against fraud.
Digital Access – Easy access to accounts and banking services through digital channels.
Operational Efficiency – Automated workflows reduce manual errors and save time.
Customer Satisfaction – Improved service delivery, transparency, and reliability.
The implementation of the CBS represents a significant step forward for MUCB in modernizing its banking operations, ensuring a technology-driven, customer-friendly, and inclusive banking experience across Himachal Pradesh.
Our Core Banking System is built using a robust and modern technology stack that ensures security, scalability, and real-time performance across all banking operations.
Java, Spring Boot, and REST API: Form the backbone of our secure and scalable backend, powering transactions, customer management, and account services
Struts, Bootstrap, and JavaScript: Enable responsive and user-friendly interfaces for seamless banking experiences across devices.
Databases (Oracle, MySQL, PostgreSQL, SQL Server): Ensure reliable data storage, processing, and high availability for all financial records.
WildFly & Apache Servers: Provide efficient deployment, load management, and system stability for 24×7 operations.
SSRS Reporting Services: Deliver real-time dashboards, analytical reports, and business insights for decision-making.
AWS Cloud & Git: Offer cloud scalability, continuous integration, and secure code management for faster innovation and updates.
