SEI - CMM LEVEL 3 Certified & ISO 9001:2008

Head Office Back Office/Suite

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

System

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

tsTM

TMTM

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Our Banking & Finance Product Basket

Smart Card - Biometric - OCR - OMR - GSM Messaging - MICR - IVR - Bar Code - SMPP- GPRS - DICOM

Our Total Product Basket

Banking Supply Chain Management eProcurement Inventory

University-College-School Healthcare SMS Solutions Portal Solutions Attendance Solutions

HR Solutions Performance Appraisals Admin Paperless Secretariat Info-framework

Assignment Tracker Finance-Treasury-Project-Grant-Budget Control Juciciary Management

Web Sites Civic Management Doc. Registration or Licensing Solutions

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: info@virmati.com / marketing@virmati.com