head office / back office suite - virmatihead office / back office suite membership this maintains...
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MembershipThis maintains database of members in various categories including their shareholding. It handles the transactions of issue, transfer and buyback of shares.
Functionality:The system can be maintained by Member Number or by Ledger/Folio Number
User Defined Member Types e.g. Ordinary, Nominal, Associate.
Signatures & Photographs Capture & View
User Defined Share Types with Multiple Face Value
Covers all three Share Transaction Types Issue, Transfer, Buy Back
Parameterized methods of dividend calculations
PRT based Share Certificates & Dividend Warrants printing - bilingual (optional)
Accounting of dividend payments & outstanding
Member's outstanding & overdue view
Nomination features
Supports direct credit of dividend through ASCII migration
Comprehensive Query Options
(1) (2) (3)
Reports (partial list)
Alphabetic Member Register
Share Register in various Sorting Orders
Ledger Print
Form I, Form J (Maharashtra specific)
Transfer Register
Mailing Slips/ Voting lists
Control Summary
Dividend Register
Constitution wise Reports
Fall Back Reports
Dividend Supplementary
Dividend Paid / Unpaid List
ReconciliationIt enables inter-branch and inter-bank or such other reconciliation at HO.
Functionality:All types of reconciliation covered
Responding On-line matching at the time of Responding Transaction Entry
Data Availability Status Display
Reconciliation Process Report at the end of the process
Reconciliation By Parameters Set Up on matching Keys
Splitting of entry
Listing of closely matched entries
Follow-up letter/advices
Inter Branch Inter Bank Drafts Reconciliation Daily Reports: Date wise - for Credit/Debit/All transactions
Reconciliation Report: Matched Records, Carried Forward Debit and/or Credit Entries, Summary of all Transactions
Transaction Type wise Report for Cash, DD, Clearing etc.
Reconciled/Un-reconciled Entries Report for the date range specified
Bank/Branch wise Un-reconciled Entries Report for follow-up
Aging Analysis in Day wise/Amount wise slabs, especially helpful for old entries
Forced Matching Upon Corrections
Relaxed Matching Reports for a few keys not matching
Reports (partial list)
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Head Office
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Human Resource ManagementThis system maintains database of employees It covers their personal details, pre recruitment details as well as all important landmark details during their tenure. At macro level, the system helps in decision making about transfers, promotions, increments, training & so on…
Complete Personnel Information including
Personnel Data of Family
Dependents' Data
Educational Details
Experience Details
Tests/Exams Passed or Competencies
Training Undergone
Transfers, Deputations
Promotion
Retirement
Disciplinary Actions
Details & Reports for Industrial Relationship Department
Processes for Recruitment & Promotion Department
Processes for Annual Performance and Appraisals
Processes for Transfers & Promotion Division
Processes for Staff Administration Division
L.T.C.
Medical Leaves
Other Leaves
Leave Encasement etc
Processes for Training / HRD
Maintenance of Library (Circulars, Forms, Case Laws)
Provident Fund Processes
Details & Procedures for terminal benefits department (Pension, PF & Gratuity…)
Reports (partial list)
Appointment Related Reports Qualification wise, Category wise, Zone wise…
Disciplinary Action Reports Punishment Proceedings, Civil/Criminal Suit File, Suspension/ Reinstate…
Promotion Related Reports Seniority List, Eligibility-Roaster-Direct, Acceptance/Rejection of Promotion, Overseas/Contractual Deputation…
Salary Section Reports Scale wise, PF-Pension, Terminal Benefits Reports…
Work History Reports Annual Performance Appraisal, Specialized Courses, Extra Curricular Activities, Overseas Projects…
Other Reports Perquisites, LTC, Medical Aid, Nomination, Health, Union Association Membership Details…
Pay RollThis software works out salary and other related calculations and maintains all records thereof and generates reports thereof.
Functionality
Fully parameterized Salary Calculation Process
All Allowances / Deductions
Arrears, Bonus and Proposed Income Tax Calculation
Records of Leaves and their financial effects parameterized - designation wise.
Supports Salary Updation direct to CBS or through ASCII Files
Register & Other Print Outs (partial list)
Pay Slip
Salary Register, Loan Register
Income Tax, Prof. Tax Register
Net Salary With Account
Income Tax Forms - Form 12BA, Form 16, Form 24
Provided Fund Register Salary
LIC Register
Increment Check List
Yearly Salary Report
Head Office
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Inward-OutwardThis software package is created to help banks/branches maintain records of their Correspondence Details. This package is helpful in searching for such records.
Functionality:All the letters, circulars, agreements, memos, notices etc can be indexed
Quick and easy parameterized search for entered records
Provision of Pop Up pick lists
Different reports available
Investment PortfolioThis module covers the following types of investments by the banks
Call Money, CBLO , REPO and reverse REPO
Primary Market Investments
Government Securities, PSU Bonds & Treasury Bills
Security transaction through deal, conversion of security
Deposits in Other Banks
FunctionalitySource wise, Period wise, Rate wise analysis of Investments, ncome and Profit/Loss
FIMDA Rate valuation
Tracking of interest, Bonus, Rights and Buy-back
Purchase ex-interest or cum-interest
Tracking Interest on Security/Bank Deposit Transactions (incl. TDS details) including interest accrued and receivable tracking including lien
Bank Deposits with Premature Withdrawal duly accounted
Reports (partial list)Month wise, Date wise, Bank wise Reports of call money transactions
Govt. Security wise, PSU Bond wise, Share Script wise Purchase and Sales
Govt. Sec. Accrued / Proposed Interest Income
Purchase v/s Sales Reports
Valuation Report
Average Pricing, Profit & Loss Analysis
Portfolio Report
Proposed yield, actual yield and comparison between the two.
Bank Deposit Reports - Premature Withdrawals, Bankwise, Periodwise
Deposits, Bank Deposit Interest Details, Accrued Interest on Bank Deposits…
G-Sec / PSU Bonds Security wise Annualized Income
Net Position Reports for all types of Investments
ALM Reports
Head Office
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Management Information System & Statutory Reporting
This Account-based MIS solution meant for Head Office is largely based on Bank's Assets (Loans & Advances) as well as Liabilities (Deposits), Expenses & Incomes. The major modules are:
General Ledger Profit Loss Statements (GL-PL)
This system provides dynamic generation of GL-PL reports with facilities of title and remarks at report footer. User can set different parameters and draw reports. Statutory Reports are consolidated based on Balance- sheet & Profit & Loss Account.
These reports in the Indian context are for (a) Central Bank/RBI (b) NABARD (c) Lead Bank (d) State Government/Registrar of Co-operatives. These include RBI Form-1, Form-8, and Form-9 etc. These reports will give information about Time and Demand Liability of Bank, Advances & Loans, CD ratio, Profit & Loss etc.
Loans & Advances' Reports
Loans and Advance's Reports will give reports like Overdue, Overdrawn, Demand Collection and Balance, Priority Sector's lending, Purpose Wise Analysis of Loan and Directors' Advances etc.
Branch Performance - Targets & Achievements
The Head Office assigns targets to different branches for Deposits, Advances and Loans etc. It will keep track of agreed targets and actual achievements. This gives comparisons with graphical Bar charts and Pie charts.
Credit Risk ManagementThis module helps in appraisal and evaluation of loan applications and recommendations to the sanctioning authority. It has 3 major components:
Credit Workflow - Application to approval
Features
Cost-Yield
We can also provide reports that will give you costs/expenses incurred by bank for servicing the deposits. Cost can be classified as Total Cost & Pure Cost. Total Cost includes interest and non-interest expenses,. whereas pure cost means only interest cost i.e. Interest payable by bank on that deposit. On the other hand, it will give information regarding income from advances with the classified heads defined by the bank.
All reports in this module are available Branch wise as well as consolidated for the bank as a whole.
This component tracks whole process of Credit from application to approval. Once the dealing officer has collected completed application and accompanying transcripts, he puts his remarks on the application and saves it. From this stage, the application is automatically escalated to the next higher authority for action and so on…
Credit Monitoring
Tracking of temporary credit excesses granted by various levels
Credits sanctioned vs. utilization thereof
Analysis purpose wise, industry wise etc
NPA ManagementThis will identify Non Performing Assets for Loans and Advances. These reports will give information about NPA according to Account Type, Security and Priority Sector. Reports are available as consolidated for the bank as well as branch wise also. NPA alerts are also available. It has separate Component for branches and head Office.
Back Office
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Asset Liability ManagementALM reports give Product wise Maturity patterns & Interest Rate patterns. So, bank can get actual picture of
projected recovery of Loans & Advances vis-à-vis payout against matured deposits. If there is any mismatch/gap, the bank can make provision for the same. It gives classification of Loans & Advances and Deposits along with their maturity in variety of ways.
Back Office
Some of the important reports are as under
RBI Reports
Net Demand & Time Liabilities (NDTL)
Section – 18 (CRR)
Section – 24 (SLR)
Form – I & Form – IX
Monetary Aggregate
Calculation of Savings Demand & Time Portion
Priority v/s Weaker Section Report
NABARD Reports
Statement of OSC – 01 Progress made in Recovery of NPA
Statement of OSC – 04 SLR and Non SLR Investments
Statement RES I
Statement RES II
MFOs/MFIs - Bank Linkage for on-lending to groups and others
SHGs financed directly by Banks
SHGs Maintaining Savings A/cs in the Bank
Provision of Credit to Agriculture and debt. Relief to farmers
Sector wise Exposure to Non Agriculture Loans and Advances
Credit Monitoring Arrangement (CMA) – I
Offsite Surveillance Report
Statement – 1 Assets & Liabilities
Statement – 2 Earnings
Statement – 3 Asset Quality
Statement – 4A Position of NPA
Statement – 4B Movement of NPA
Statement on Large Exposure – Single Borrower
Statement of Large Exposure – Group Borrower
Statement – 5 Segment/Sector wise Advances
Statement – 6 Connected Lending
Statement – 7A Credit Risk & Ratio
Statement – 7B Weighted Assets
Statement – 7C Weighted Non-Funded Exposure
Statement – 8 Bank Profile
Memorandum Item
Credit Deposit Ratio (CDR)
Other Reports
Cost of Fund
Yield on Investment
Demand Collection and Recovery
Period wise Overdue
Type wise Progress Report
Account wise Watch Report
Branch wise / Console Comparison Report
Limit wise Sanction Amount
Limit wise Outstanding Amount
Maturity wise Deposit ALM Report
Credit Appraisal Monitoring Systemcams.netcams.net
TM
Credit Appraisal & Monitoring System
“CAMS” is an abbreviated form of Credit Appraisal Monitoring System. This
application software will take care of all procedures relating various loan
schemes starting from the inquiry to the execution of Documents/Securities
and Disbursement for the would be borrower.
Features
CAMS helps various Banks / Financial Institutions in efficiently undertaking their lending operations, which is a very important function of Banking Industry considering DRI & Priority sector lending.
It helps Banker to efficiently and skillfully appraise various types of Loans to all sections of economy e.g. Retail Banking, Agriculture & Allied Activities, other Priority Sectors, and advances to big Industries as well to Business activities through turnkey projects.
Detailed information of the borrower/co-borrower & guarantor
Loan application/security details
Document & security verification
Rating & recommendation by higher authority
Provision for calculation for Share holding link with loan scheme & margin moneyDocument Attachment facilities like (Word, Excel, PDF, JPG, HTML, TXT, etc)
Status of Application can be viewed by Scheme Wise, Borrower wise
Amortization Table (EMI & Normal)
Conversation factor Table
Sanctions & Monitoring Desk
Preparation for easy repayment schedule with moratorium period
Detailed progressive information of entire process
Import from Branch Automation Database
Verification of Documents/Securities
Sanction with terms & Conditions
Document Printing
Query
Documents/Security Execution
Disbursement
Entry Module
VerificationModule
Sanction & ExecutionModule
Creates the account directly into the Branch Automation database with all applicable details.
Existing CustomerNew Customer
Document Submission
Application Documents
Recommendation
Loan Details
Security Details
Date
Signature
This is to certify that
on , 20
Verification of abc
Customer Entry
Rejection
Loan Rating
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Suit File SystemTM
Memorandum of Write offSubmissions of proposals for write off to controlling authorities
Memorandum of Legal ActionSubmission of proposals for Legal actions to controlling authorities
Staff AccountabilityCase wise ascertainment of Staff Accountability and generation of its report
Inspections and follow upWhenever a dispute arises in a contract/ transaction, and the details of follow up actions taken by staff officials to the defaulting parties are captured like follow-up Type, Officer, Designation, Inspection Date, Location of Items/Consideration, Description of items/Consideration, Available Records, Unfavorable Features, Brief Contents of Communication, Actions/Explanations Received
Suit file checklistCase type wise checklist before entering into Legal Suit
Suit Progress & Hearing DetailsRight from serving of legal notice to the execution of judgment order and hearing details history in chronological order.
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Suit File System (SFS) is a Value Defining Solution that aims to assist Legal Departments of Banks,
Law Officers of Corporate as well as Small/Medium companies in efficiently pursuing their
operations/litigations and taking timely actions and flawless legal processes. Even high profile Law
firms having large portfolio of Legal Cases would find it extremely useful.
The Legal Process System involves following integrated processes and is well equipped with user friendly features
and tools to help reduce time to perform various tasks.
Case DetailsCaptures Case Details of Legal Suite brought before a court like - Case no, Suit Ref No, Party Status, Case Type, Case Status, Party and Court details, Issues Contested/Relief Sought details of Plaintiffs/Defendants, their advocates etc.
Defaulters Details
Captures conduct details of Defaulting/Opposite Party against whom legal action is sought/Contemplated, e.g., Type of default, Default Description, Date Recall/Legal Notice Served, Identification as Bad and Doubtful Date, Provision for Bad & Doubtful Rs, Date of Provision, Additional Provision, Write back of Provision, Steps/Advice recommended by Legal Dept /Higher Authorities., Recovered Amount, Recovered Amount Date
Document DetailsCaptures scanned images of all case wise documents and document details like - Document name, Document description, entry date and expiry date of the document related to the Contract/Transactions under dispute.
Monitoring of legal expensesMaintenance of case-wise historical records of legal expenses under various Heads
Memo of Legal Action
Filing of Suit
Stand Alone
Compromise Offer
Filing of Execution Petition
Decree
Attachment Order
Auction/Sale
Recovery
Inspection Follow up
NPA A/c
Monitoring
Core Banking
Import Export Facility(Customer, Securities, Documents)
Hearing Details
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Suit File SystemTM
Decree and Execution DetailsFacility to capture decree details and Execution proceeding details like Party Name, Name Of Advocate, Address of Advocate, Execution Petition Filed Date, Name of owner of Asset, Particulars of Assets, Name of Appointed Receiver, Receiver Appointed Date, Attachment order obtained, Attachment Order Details, Date Auction Amount Realised Position of Execution Proceedings Remarks.
Recovery RecordsMaintenance of Case wise recovery records with appropriation of recovery amount to the party's account, legal expenses account, and suspense account.
Utilities for Calculation of ChargesCalculation of Court fees as per pre-defined court fee structure, Advocate fees as per pre-defined advocate fee structure of the company, Calculation of typing charges, Processing Charges and Stationery charges as per pre-defined
Research AssistantFacility to research websites or Compact Discs (CDs) of past judgments of High courts and Federal/Supreme court for similar cases and find case details
ReportsA host of reports is generated and alerts flashed on users' screens to make the process flawless and efficient
Send mail utilityUtility to send emails online from system to various parties, advocates etc.
MastersA host of masters to store basic data like - Party details, follow-up Types, Staff/officials' Accountability, Suite filed Checklist, Compromise Checklist, Advocate Details, Advocates' Specialization, Court Master, Case Type Master, Case Status, and Basis of compromise etc
Compromise checklistCase-type wise checklist before entering in to compromise/out of court settlement
Memorandum of CompromiseSubmission of Compromise Proposal to higher authorities
Fixed Assets Management System
Fixed Asset Management system involves tracking of physical assets. All the transactions regarding your physical assets are managed and manipulated at this stage. Typically, we consider plants, equipments, buildings, furniture etc as fixed assets and when talking about the management of these assets, we include all the fixtures and depreciations as well.
Fixed Asset Management software allows companies to track what assets it owns, When it was purchased, in warded, where each is located, who has it, when it was checked out, and due for return, when it is scheduled for maintenance, and the cost and depreciation of each asset.
The reporting option that is built into most asset tracking solutions provides pre-built reports, including assets by category and department, check-in/check-out, net book value of assets, assets past due, audit history, and transactions.
Benefits derived from implementing a Fixed Asset Management system Program include tax reductions as companies are able to reduce unnecessary capital expenditures as well as correct valuation for insurance purposes thereby minimizing premiums and rates
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Fixed Assets Management System
Fixed Asset Management Software Benefits
Track Assets information
Maintain historical information and requirements
Track record of depreciation and asset lifecycle management
Tax reduction benefits
Maintain audit history
Functionalities in the FAMS SoftwareIt work with single account or multiple accounts
It process depreciation entries
It process end of life value
We can use different depreciation techniques
There standard reports with in the system
The reports can be customized
The system generate at-the-point reports
FAMS often integrates withGeneral Ledger
Balance Sheet
Expenses and purchase control
Cash Flow Management
Inventory Management SystemThis module is very useful in exercising control over stationery, its utilization, and consequent expenditure.
FeaturesBranch wise Opening Balance.
Branch wise Indent / Requisition.
Purchase Inquiry to various Suppliers.
Supplier Submitted their quotation such quotation to enter the software and comparative report can be generated.
After that purchase order can be generated.
Material Inspection & Quality Assurance.
Purchase return Facility required.
GRN facility required.
Max-min order level maintains.
Shortage List requires with Item wise.
Facility to enter physical stock as on any date.
Stock Adjustment facility required.
Stock Conversion facility required.
Stock transfer facility required.
Material Return facility required.
Scarp Memo
Stock valuation
Quotation Verification
Direct reorder level generation if the quantity is below reorder level
The software will help the bank better manage inventory of both Numbered and Non-numbered Stationery.
Stationery items can be categorized in three levels giving a TREE Structure
Stationery Issuance to Branches & Loss or Damage of Items can be duly recorded
Actual Item Inward Transactions Entry
Exhaustive reports available
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Web BasedCore Banking
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GUI BankingFor Banks/Credit Societies/Micro Finance Institutions
Forex Management Treasury Mangement for Banks/FI/NBC
Any Branch Banking for non web-based Banks
ISO – 8583 Switch for Bank/FI
Credit Appraisal & Monitoring System
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TMTM
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Credit Appraisal & Monitoring System
Cheque Truncation SystemBank/Clearing Corporation
Mobile Banking Back Office Management for Banks/ FI
Legal Suit & File System Reconciliation
Cheque Truncation SystemCheque Truncation System
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TMTM
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Head Office / Back Office Solution is built on 3-tier architecture
It is browser-based and compatible with IE, Netscape Navigator, Mozilla Firefox and so on.
Development tools are Microsoft ASP.NET 2005, JavaScript And Business Object 11.5
The Application Server is IIS web Server on MS Windows 2008
It is ODBC compliant and it can work with Oracle Or MS SQL
Platforms
Virmati Software & Telecommunications Ltd.
A-2/3, Arjun Tower, Ring Road Cross, Satellite, Ahmedabad-380015, Gujarat, IndiaPhone: +91-79-26733163/65
“9”- Garden View Corporate, Opp. Bodakdev AUDA Garden, Off SindhuBhavan Road, Bodakdev, Ahmedabad - 380054, Gujarat, IndiaPhone: +91-9979850333 / +91-79-65250333
Corporate Office Registered Office
Web: www.virmati.com Email: [email protected] / [email protected]