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PFMS Technical Details

    About Company:

    Genesis :
    • Natural Technologies (P) Ltd. was formed in 1996
    • Natural Support Consultancy Services (P) Ltd. was formed in 2005.
    We created the Bilingual / Multi Lingual methodology. We were rated as one of the top 100 innovators by NASSCOM in 2007.

    1. Our product BancMate, bilingual branch banking software, found wide acceptance and was rolled out in over 5000 bank branches of :

    a. Public Sector Banks


    b. Regional Rural Banks


    c. Private Banks


    d. State and District Coop. Banks


    e. Foreign Banks


    2. BancMate was marketed by Punjab National Bank.

    3. In 2004 PNB decided to upgrade BancMate to BancMate core Banking System.

    4. In 2006 PNB decided to form a subsidiary of PNB, Natural and HCL. The subsidiary did not take shape.

    5. In 2008 Natural Technologies (P) Ltd. was merged with HCL.

    6. From 2008 to Dec.’13 Natural Support Consultancy Services (P) Ltd. was a non-operational company.

    From 1st January 2014 we restarted Natural :

    From 1st Jan.’14 we have restarted Natural Support Consultancy Services (P) Ltd. and have since various products for the banking sector including Cashless Banking on Food Court concept.

    Client List:

    1. Public Sector Banks :
    • Punjab National Bank
    • Punjab & Sindh Bank
    • Central Bank of India
    • Allahabad bank
    2. State Cooperative Bank :
    • Himachal Pradesh State Cooperative Bank
    • Hassan District Co-operative Bank
    3. RRB :
    • Jammu Kashmir Gramin Bank
    • Dakshin Bihar Gramin Bank, Patna.
    • Haryana Gramin Bank, Rohtak.
    • Himachal Pradesh Gramin Bank, Mandi.
    • Punjab Gramin Bank, Kapurthala.
    • Prathma UP Gramin Bank, Meerut.
    • Paschim Banga Gramin Bank
    • Odishya Gramya Bank
    4. Cooperative Banks :
    • Jammu Kashmir Gramin Bank
    • Dakshin Bihar Gramin Bank, Patna.
    • Haryana Gramin Bank, Rohtak.
    • Himachal Pradesh Gramin Bank, Mandi.
    • Punjab Gramin Bank, Kapurthala.
    • Prathma UP Gramin Bank, Meerut.
    • Paschim Banga Gramin Bank
    • Odishya Gramya Bank
    4. Cooperative Banks :
    • The Bihar Awami Co-operative Limited
    • The Parwanoo Urban Coop. Bank Ltd.
    • The Chamba Urban Co- operative Bank Ltd
    • National Urban Coop. Bank Ltd.
    • The Janata Cooperative Bank, New Delhi
    • The Malviya Urban Cooperative Bank, Jaipur,
    • The Vaish Cooperative Adarsh Bank, Delhi.
    5. Government Sector:
    • Prasar Bharati
    • Uranium Corporation of India Ltd.
    6. Other Customers :
    • PNB Housing Finance Limited
    • Dhara Motor Finance limited
    • Stitch Overseas Private Limited
    • CESC
    • ConServe Infotech Private Limited
    • Square Insurance
    • Silver Square
    7. Outside India :
    • a. Lankaputhra Development Bank
    We are empaneled to provide software development services with:
    1. UIDAI
    2. UIDAI
    3. Reserve Bank of India
    4. Population International Services India
    S. No. Location Purpose
    1 Jaipur, Rajasthan, India Head Office and Development Centre
    2 Delhi Sales, Service and Development Centre
    3 Shimla, Himachal Pradesh Service Location
    4 Chamba, Himachal Pradesh Service Location
    5 Parwanoo, Himachal Pradesh Service Location
    6 Kolkatta, West Bengal Service Location
    7 Bhubneshwar, Odisha Service Location
    8 Hassan, Karnatak Service Location

    Range of Activites :

    Our expertise is in providing the whole range of IT services ranging from custom application development, support, maintenance , legacy modernization, business intelligence and enterprise applications – to name a few – make us your ideal IT partner. The combined experience of over 2 decades, across various domains and technologies, give us the edge in optimizing your IT costs and contributing to your business growth.

    For over 2 decades, enterprises have chosen NSCSPL as their IT services partner. We consider associations with our clients as a partnership and work towards bringing business benefit to them. We invest in domain expertise with focus on industry specific solutions that add value to our customers. Some of our customers have been associated with us for over a decade, which is a testament to our commitment and customer focus – and their trust in us.

    Our area of specialization includes:
    1. Software Product Development
    2. Implementation Services
    3. Testing Services
    4. Consulting Services
    1 Software Product Development

    NSCS undertakes Software Development Projects in the field of Banking and Financial Services, Manufacturing Industry and Government Sectors. Our application development process consists of complete Software Development Life Cycle that includes Requirement Analysis, Architecture and Design, Build & Unit Testing and System & Integration Testing of the application. We have experienced Project Managers who have undertaken Software development using various methodologies like Waterfall, RUP, Iterative, Agile and Extreme. Our architecture team is experienced in architectures like Service Oriented Architecture and Web Services which provide cost-effective solutions with quick turnaround.

    NSCSPL has successfully developed custom software applications on various technologies for multiple industries and banking is our main focus area. We have also collaborated with leading vendors to provide and migration services. To suit your specific requirements, we adopt various development methodologies such as Scrum, Agile and Waterfall, which significantly trim down your development costs and reduce risks. Over the years, NSCSPL has also developed proprietary frameworks on major technologies and domains which significantly reduces the turnaround time and costs. Our partnership with and specialists solution providers such as etc., ensure that we stay ahead in providing value added services to our customers.

    2 Customer Centric
    We recognize that every customer is unique with very distinct business needs. Our solutions are thus modeled around our customer’s business requirements. Our deep domain expertise combined with knowledge and assets available in our Centre of Excellence give us the advantage to tailor solutions that best fit your business and technology investments. With engagement and delivery models that match the size and need of the project and deploying industry best practices, we ensure all our customer engagements are designed with a approach customer ‘first.
    3 Quality Focus and Testing

    NSCSPL’s dedicated software testing lab delivers end-to-end software testing services starting from consulting, gap analysis, strategy and test execution. We specialize in functional, automated and manual testing. NSCSPL’s repository of and considerably reduces the time to release business critical applications for our customers. Supported by knowledge harvested in our CoE, our software testing services help our clients achieve predictable and improved quality levels for their applications and systems while minimizing the time and cost associated with testing activities.

    Software Testing is the most critical process in the entire software development and implementation life cycle. We have an experienced team of testers having extensive exposure in Banking and Financial Domain.

    The key benefits to our customers are:
    • Experienced team in Banking and Financial Domain
    • Use of Best Practices from Industry
    • Specialized testing team providing greater focus to achieve high quality in shorter time.
    Our Testing Services covers the following areas:
    • Test Planning
    • Scenarios and Test Case Development
    • Test Automation
    • Manual and Automatic Testing
    • Performance Testing
    4 Implementation Services
    NSCS provides Implementation Services for Software Products. We have experienced team of software professionals at all levels starting with Programmers, Business Analysts, Program Managers and Consultants who had undertaken the end to end Implementation for our various Products for clients in India and Asia.
    The key benefits to our customers are:
    • Experienced team
    • Use of Best Practices from various markets
    • Independent team provides greater focus to reduce implementation time frame
    Our Implementation Services covers the following areas:
    • Expert Consulting , Monitoring and Tracking during Implementations
    • Requirement Gathering
    • Help Implementers in Preparing Test Cases for User Acceptance Test
    • User Acceptance Test Production Cut Over Support
    Natural Advantage:
    There are several advantages and benefits that our clients receive when they decide to outsource their project to us. Apart from the fact that we bring a unique mix of credentials, expertise and technical knowledge to the table; the offering is further made attractive by the ATTITUDE of our personnel and their unflagging commitment to “Customer Satisfaction”
    We believe in providing innovative solutions to the Indian Market which is evident from our latest offering eRupaya.
    In line with the focus of the Government of India towards digitalization, M/s Natural Support Consultancy Services Pvt. Ltd. and Punjab National Bank came out with a concept of Cashless Banking using Food Court Model in December 2016 called eRupaya based on Food Court Model. We have worked with OEM of the device and Cards and created the solution which is seamlessly integrated with banks core-banking solution (CBS).
    The same addresses the challenges of:
    1. No / Poor internet connectivity
    2. Majority of villagers are with feature phones, Female population is with few phone
    3. Literacy levels are low
    4. Village is dependent on a Bank BRANCH BC, for its banking needs
    eRupaya solution was launched by Hon’ble Finance Minister of India on 6th Nov.’17.
    We firmly believe that alignment of IT strategy and business strategy is the key to success. While most IT companies are able to provide resources on technological side, quite a few do not realize the importance of having domain experts as an integral part of the software project team. Our philosophy of allocating domain/industry experts to every project had proved to be one which has resulted in significant improvements in the software we have developed and have added to the value we have imparted to our clients thru our delivery.
    Our delivery model and infrastructure permit projects to be scalable. Rapid ramp up capabilities ensure that project timelines can be met without recourse to project over-run. Our infrastructure facilities are also geared to meet demands of our clients to scale up as and when required with minimal lead time.
    We offer a number of engagement models to its clients. We can take up projects on Time and Material basis, on fixed cost basis and in several hybrid models. This gives our clients the flexibility to choose whatever option suits them best.

    We have a wealth of experience of having worked on a number of domains. We have worked for clients in a number of industries and have the capability to address clients in a number of industries. This gives us the advantage of being able to service not only large corporation but also diversified corporate conglomerates.

    Kindly find enclosed the proposal as desired by yourself. We look forward to working with your esteemed organization.

    Team Experience
    Some Larges projects handled by the team are:
    1. Banking Sector :
      • Rolled out BancMate (TBA) in over 5000 bank branches in distributed mode.
      • Financial Inclusion in over 24 Banks
    2. UIDAI: Transitioned, Scaled up and managed largest Indian Govt. IT contract worth 2000 Cr.
    3. We are one of the top companies in India to have developed our own Core Banking Software which handles over 200 branches, over 20 lac clients.
    4. RAPDRP: Successfully developed and deployed in 4 states, handling approx. 2.5 Cr consumers: Worth 700 Cr
    5. Financial Inclusion: Successfully developed and deployed in 26 banks: Worth around 500 Cr
    6. ADF/XBRL/MIS: Successfully developed, deployed and data migrated for public sector banks
    7. eGov: Automation of e-District Punjab, PDS Implementation in MP and Chandigarh, IRCTC eProcurement

    Experience of team in Quality Certifications:

    Certified in 2011
    Certified in 2009
    Certified in 2004
    Registered in 2009

    technical specifications:

    S. No. Particulars
    1 The solution works in multi tenancy mode.
    2 Installation, testing, commissioning and integration of Public Financial Management System (PFMS) Software with CBS Software of the bank & PFMS software of GoI.
    3 Customization of PFMS software and its integration with CBS of Co-operative banks and PFMS software of GoI as per latest Integration document released by GoI
    High level Design
    The figure below depicts the high level design of CPSMS application integration with various banks.

    1. CPSMS DB: This is a SQL server database, which stores the CPSMS application specific data. This database also contains the data that is received from or sent to banks for example – master account details of agencies, beneficiaries and vendors; cheque master; transactions and balances of agencies, etc. Additional columns are added to these tables for tracking whether a record has been synchronized with the bank or not.

    2. CPSMS BizTalk Server: BizTalk server solution provides capabilities to:

    Retrieve the records such as account details, filed cheque details etc. from CPSMS application database in a near real time basis or batch mode. The mix of batch mode and Web Service is expected to deliver and meet user’s requirements.

    Only the information that belongs to banks with which the integration is enabled is extracted by BizTalk Server. For example: there might be hundreds of banks (Commercial banks, RRBs, Coop Banks, Post Offices ..) for which accounts exist in CPSMS application but the application may interface with majority of them depending on their relevance for efficient delivery of funds and capturing end use of funds. So the information for integrated banks only is retrieved into BizTalk server and sent to corresponding banks (Agency arrangements are also honored).

    • Save or update existing data received from banks into CPSMS DB
    • Implement custom processing logic in BizTalk orchestrations such as the extracted data is aggregated bank wise into separate folders in XML files format so that only relevant data is sent to individual banks.
    • Manage business rules, Metadata transformation (mapping) and provide routing capabilities e.g. routing account detailed data only to the bank to which the account belongs. While CPSMS does not prescribe schema for XML but it may provide schema to meet complete requirements of open standards.
    • Post the XML files to a secure FTP location provided by banks.
    • Define the data security levels for access and sharing with the users of CPSMS
    • Keep track of Ack/Nack and related actions
    • Keep track of integrity and consistency of data between CPSMS & Banks

    3. Bank Staging SQL /Database and Middleware Server: The server will be an intermediary store for the exchanged data because banks will not provide direct access or expose an API to the internal core banking solution. SQL Server Integration Services (SSIS)/Data Integration service jobs will be created and scheduled on this server to extract information from tables into XML files and to read the data from XML files into tables. This may be Virtual/Physical server is primarily kept for transformation and validation services to function as middleware to handle all of the transactional data and Ack/Nack messages. If the banks want to opt for a separate mechanism for this purpose they may do so but provide necessary information on assumptions and business rules related to data integration and consistency. The metadata and business rules are defined along with tags and any deviation or change may be done in consultation with CPSMS.

    4. Custom Reporting/ Monitoring Solution: This is a customised .net application that can be developed for banks to monitor and view reports for the data in staging SQL Server. Middleware must be capable of managing queues and also monitor performance level.

    5. SFTP: Banks need to provide a secure FTP location where CPSMS will post the XML files containing the data that needs to be sent to banks and banks will post the XML files for the data that needs to be sent to CPSMS. CPSMS server will pick up the XML files from this server on a regular interval. Usage of staging SQL server and custom reporting/ monitoring solution in the banks deployment infrastructure is left to the choice of individual banks. However it is highly suggested to deploy appropriate tool for service and build a similar solution for any troubleshooting, logging and reporting purpose.

    Integration Scenarios
    CPSMS is in process to map the xml tags (smaller tags) as per ISO standards and CPSMS may change this document accordingly. Bank should design their solution to meet this requirement of dynamic change.
    Bank Branch Information

    Following process depict the branch master integration scenario

    • FTP folder location specified in the following “Transaction Details” section
    • This is a local folder accessible to SQL server (not an FTP folder)
    • FTP folder location specified in the following “Transaction Details” section
    Account Category List
    Sr. No. A/C Category A/c Category Code
    1 Central Govt dept. CGD
    2 Central Govt PSUs CGP
    3 Co-OP. Society COS
    4 HUF HUF
    5 Individual IND
    6 Joint Liabilities Group JLG
    7 Local Bodies LB
    8 Microfinance Inst. MI
    9 NGOs NGO
    10 Proprietary / Partnership Firm PF
    11 Private/Corporate sector PCS
    12 Proprietary Concerns PC
    13 State Govt. dept. SGD
    14 State Govt. PSUs SGP
    15 Statutory Bodies SB
    16 Trust Group TG
    17 Unclassified* UN
    18 Financial Inclusion Account FI
    19 Private Limited Company PL
    20 Autonomous Bodies AB
    21 Public Limited Comapny LC
    22 Registered Societies RS
    Other Features:
    • The offering of PFMS majorly includes the following functionalities,
      • Agency registration
      • Beneficiary Registration
      • Account Validation
      • Payment Processing
      • Payment Modes
      • Payment status reporting and reconciliation
    • Dashboard for the users of PFMS & Transaction Reports to the department for tracking
    • Integration with the mobile application as and when developed
    • Facility for users to check the linking AADHAR number of the beneficiary
    • E-Mail/ SMS Alerts to the beneficiaries on successful payment
    • Process the payment authorisation file as shared by department to the bank.
    • Integrated with the PFMS system to receive the payment file and process the same.
    • Provide the status of transaction to the User on receipt from destination bank.
    • User may-be Government Department, agencies for remitting payments to a large number of citizens or beneficiaries under various government schemes.
    Agency Registration
    The department needs to register on PFMS portal with the user credentials. The department will have to get the user approved from higher authority. After the approval, the agency will be issued login id and password. The same login credentials will be used for initiating/checking the payment at the PFMS portal.
    Beneficiary Registration
    • The Department needs to enter the details of the beneficiary in PFMS account number is validated with the beneficiary bank. Fund can only be transferred to validated account number. This process ensures reduction of payment failure cases.
    • Post the beneficiary registration, the account number of the beneficiary is sent to his asking for the details against the provided account number. Account validation response is updated in PFMS portal and the details entered by the department and the details received from the Bank is shown together to the Government department. The department will complete the account validation. This is done to ensure that the details provided in the bank account are correct.
    Payment Processing Channels

    Payment Print Advice (PPA):
    Authorized maker prepares the payment file by logging into the PFMS portal with the username and password. After getting approval from checker level, the payment file is sent to bank server from PFMS.

    Government Agency will login to PFMS system and will originate transactions. where in all accounts level details of the intended beneficiaries will be captured. post initiating the payment request in the PFMS portal, the department user need to point the payment advice and get it signed by the appropriate authorities as per the banking record and submit the signed copy in base branch, post authorisation of the signature, the file will be centrally processed and the money will be paid to the end beneficiary. Status of the payment files will be shared will the PFMS portal.

    Integration with Internet Banking:
    • Authorized maker prepares the payment file by logging into the PFMS portal with the username and password. After getting approval from checker level, the payment file is sent to bank server from PFMS.
    • Government Agency will join system and will originate transaction, where in all account level details of the intended beneficiaries will be captured. post initiating the payment request in the PFMS portal, the checker of the account need to login using CIB portal of our Bank and authorize the transaction. Post authorisation of the payment, the file will be centrally processed and the money will be paid to the end beneficiary. Status of the payment files will be shared with the PFMS portal.
    Digital Signature Certificate (DSC)
    Authorized maker prepares the payment file by logging into the PFMS portal with the username and password. After getting approval from checker level, digital signature has to be attached to the payment file. The payment file will be first encrypted with Digital Signature and then will be sent using the secure FTP connection established between the Bank and PFMS. All digitally signed payment file will be processed automatically and does not require any further authorization at the Bank. The file will be centrally processed and the money will be paid to the end beneficiary. Status of the payment files will be shared with the PFMS portal on T+1 basis.
    Payment Modes
    • Payment Modes : After successful validation of beneficiary details, payment can be initiated to the beneficiaries, Payment mode could be Account Based or Aadhar Based.
    • Account based payments: In case of account based payment, the payment will be done through NEFT/RTGS. The payment instruction received before 6 pm will be processed on the same day.
    • Aadhar based payemnts : The APBS facility of payment has been provided by PFMS for Direct Benefit Transfer (DBT). The payment will be made to the beneficiary account liked to his aadhar number. The aadhar transaction are routed through NPCI where all the payment instructions received before 11 am will be credited on the same day and reverse MIS will be shared with PFMS. Payment instruction received after 11 am will be processed on the next working day.
    • Payment status reporting and Reconciliation : PFMS may allow Bank to share the status of the payments processed on daily basis with PFMS so that you would be able to see the status of transaction on PFMS portal itself.
    Integration with PFMS for DBT processing

    Processing DBT payments
    PFMS integration shall enable system to process Direct Benefit Transfer (DBT) payments through PFMS portal. Banks’ shall be enabled to processing the payment of Central and State government scheme.

    Validation of beneficiaries account so that there are no payment rejections at a latter stage through exclusive facility available with PFMS system, where it is linked with more than 90 banks to validate the same.

    Security features
    • Unique login credentials to be shared with each of the departments registered with PFMS portal.
    • Banking login and password would be required to access authorize transaction
    • Secure server to Server connectivity to be established between PFMS and respective Banks for receiving payment authorization files and sharing payments status files.