Idbi Financial Inclusion Tender

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<p>REQUEST FOR PROPOSAL (RFP) FOR IMPLEMENTATION OF IDBI BANK FINANCIAL INCLUSION - PROJECT</p> <p>Dated: 12 April, 2011</p> <p>IDBI BANKDEPARTMENT OF FINANCIAL INCLUSION, 13 th Floor, IDBI TOWERS, WTC COMPLEX, CUFFE PARADE, MUMBAI 400 005</p> <p>IDBI Bank : RFP Financial Inclusion Project</p> <p>Page 1 of 83</p> <p>(Implementation of IDBI Bank Financial Inclusion Project)Tender Reference Purpose Request for Proposal for an end-to-end solution for IDBI Banks Financial Inclusion Plan involving Supply, Customization, Installation, Operations, Maintenance of required Hardware &amp; Software, Facility Management in addition to Delivery &amp; Support for Financial Services April 27, 2011 Rs.10,000</p> <p>Pre-bid Meeting Non-refundable Cost of Bid to be paid while submitting the Bid Documents. Bid Guarantee submitted along Documents to with be Bid</p> <p>Rs.10,00,000</p> <p>Last Date for Submission Address for submission of Tender Date of Opening Technical Bids * Contact Numbers Fax Number E-Mail address</p> <p>May 04, 2011, 12:30 PM General Manager, IDBI Bank Ltd., IDBI Tower, 13 th Floor, Cuffe Parade, Mumbai-400005 May 05, 2011 12:30 PM</p> <p>022-6655 3458/2437 Mobile No. 09869203706 022 22187539 fip@idbi.co.in, d.kumar@idbi.co.in</p> <p>*In the presence of the authorized representative of the bidders (authorization letter from Company to be submitted) Technical/Commercial bids will be opened. Only one representative will be allowed to represent the Company. Bank reserves the right to change the suggested evaluation schedule. All Bids would be opened at the IDBI Bank .</p> <p>IDBI Bank : RFP Financial Inclusion Project</p> <p>Page 2 of 83</p> <p>CONTENTS</p> <p>1</p> <p>Preface .......................................................................................................... 7 1.1 About this RFP ......................................................................................... 7</p> <p>2</p> <p>About the Bank ............................................................................................... 9 2.1 2.2 Vision Statement ...................................................................................... 9 Mission Statement .................................................................................... 9</p> <p>3 4</p> <p>Pre-qualification Criteria for Bidders .............................................................. 10 The Project: ................................................................................................. 13 4.1 4.2 4.3 4.4 4.5 4.6 Background ............................................................................................ 13 Consortium of Service Providers ............................................................. 13 Changes to Consortium .......................................................................... 13 Engagement of multiple bidders .............................................................. 14 Cooperation between Multiple Bidders .................................................... 14 Predominantly an OPEX-model ............................................................... 14</p> <p>5</p> <p>Scope of Work .............................................................................................. 15 5.1 5.2 5.3 5.4 Target group: ......................................................................................... 15 Basic Banking Products &amp; Services ......................................................... 15 COMPLIANCE Requirements .................................................................. 16 Third-party Risks and Mitigation by the bidder ......................................... 17</p> <p>6</p> <p>Responsibilities of the Bidder and the Consortium ......................................... 18 6.2 6.3 6.4 Render Financial Services ...................................................................... 18 Meet Human Resource Requirements ..................................................... 19 Ensure Technical Deliverables ................................................................ 19</p> <p>7</p> <p>Functional requirements ............................................................................... 22 7.1 7.2 7.3 7.4 7.5 7.6 7.7 Overview ................................................................................................ 22 Enrollment of Customers ........................................................................ 22 Account Opening/Product Registration and Activation ............................. 24 Delivery of the SmartCard ...................................................................... 24 Replacement of SmartCards ................................................................... 25 Smartcards for agents ............................................................................ 25 Customer Operations .............................................................................. 25 Page 3 of 83</p> <p>IDBI Bank : RFP Financial Inclusion Project</p> <p>Reimbursement to Bidder towards Enrollment, Registration and Card7.8 issuance .......................................................................................................... 26 7.9 7.10 7.11 7.12 7.13 7.14 7.15 7.16 7.17 7.18 7.19 8 Handling of Cash by the Bidder: ............................................................. 26 Bidders Operations at the customer contact points .............................. 27 Customer Account Operations ............................................................. 28 Interface with Rural ATMs &amp; Point of Sale Terminals ......................... 30 Status marking of the Smartcards/accounts ......................................... 30 Account Closure by the Customer ........................................................ 30 Remittance Services ........................................................................... 31 Other Products and Services ............................................................... 31 Management Information System: ........................................................ 31 Review and Monitoring Mechanism ...................................................... 31 Internal and External Audit .................................................................. 32</p> <p>Technical Specifications: .............................................................................. 33 8.2 8.3 8.4 8.5 8.6 8.7 8.8 8.9 8.10 8.11 8.12 8.13 8.14 8.15 8.16 8.17 Technology Architecture for the solution ................................................. 33 Inter-operability ...................................................................................... 34 Data Backup &amp; Contingency Planning ..................................................... 34 Technology Controls ............................................................................... 34 Basic functions of the Application ........................................................... 35 Smart Card Specifications ...................................................................... 36 Biometric/Finger Print Image Acquisition ................................................. 37 Minutiae ................................................................................................. 38 Integration with UID Scheme ............................................................... 38 Cardholders Indentity Data ................................................................. 39 Handheld devices: ............................................................................... 39 Fingerprint Scanner ............................................................................. 40 Central Smartcard Management System .............................................. 42 Intermediate System / FI Server .......................................................... 42 Interface with Core-Banking System (Finacle) of the Bank .................... 43 Card Personalization: .......................................................................... 43</p> <p>9</p> <p>Bidders Response and Opening of Bids ........................................................ 44 9.1 9.2 9.3 9.4 General Terms of Bid submission ........................................................... 44 Preparation of Bids ................................................................................. 45 Contact details for submitting the proposal: ............................................. 46 Proposal format ...................................................................................... 46</p> <p>IDBI Bank : RFP Financial Inclusion Project</p> <p>Page 4 of 83</p> <p>9.5 9.6 9.7 9.8 9.9 9.10 9.11 9.12 9.13 9.14 10</p> <p>Technical Bid ......................................................................................... 47 Clarifications to RFP and Pre-Bid Meeting .............................................. 47 Commercial Bid ...................................................................................... 48 Performance Guarantee ......................................................................... 50 Organization of bid ................................................................................. 50 Opening of the bids ............................................................................. 51 Examination of the bids ....................................................................... 51 Evaluation Methodology ...................................................................... 51 Opening of Commercial Bid and Evaluation .......................................... 54 Awarding of Contract ........................................................................... 54</p> <p>Terms and Conditions ................................................................................ 56 Terms and Conditions of the Proposal ................................................. 56 Right to Alter Quantities ...................................................................... 59 Intellectual Property Rights .................................................................. 59 Representations and Warranties .......................................................... 61 Compliance with Laws ......................................................................... 62 Cancellation of the order ..................................................................... 63 Indemnity ............................................................................................ 63 Inspection of Records .......................................................................... 64 Corrupt and Fraudulent Practices ........................................................ 64 Publicity .............................................................................................. 65 Confidentiality and Non-disclosure ....................................................... 65 Force Majeure ..................................................................................... 65 Arbitration ........................................................................................... 66 Jurisdiction ......................................................................................... 66 Termination ......................................................................................... 66 Effect of Termination ........................................................................... 66 TECHNICAL BID FORM TECHNICAL BID FORM TECHNICAL BID FORM TECHNICAL BID FORM TECHNICAL BID FORM TECHNICAL BID FORM TECHNICAL BID FORM TECHNICAL BID FORM FORM-I ................................................... 68 FORM-II .................................................. 69 FORM-III ................................................. 70 FORM-IV ................................................. 71 FORM-V ................................................. 72 FORM-VI ................................................. 73 FORM-VII ................................................. 74 FORM- VIII ............................................... 78 Page 5 of 83</p> <p>10.1 10.2 10.3 10.4 10.5 10.6 10.7 10.8 10.9 10.10 10.11 10.12 10.13 10.14 10.15 10.16 10.17 10.18 10.19 10.20 10.21 10.22 10.23 10.24</p> <p>IDBI Bank : RFP Financial Inclusion Project</p> <p>10.25 10.26 10.27 10.28</p> <p>TECHNICAL BID FORM TECHNICAL BID FORM COMMERCIAL BID COMMERCIAL BID</p> <p>FORM-IX ................................................. 79 FORM-X ................................................... 80 FORM-I .......................................................... 81 FORM-II ......................................................... 82</p> <p>IDBI Bank : RFP Financial Inclusion Project</p> <p>Page 6 of 83</p> <p>1</p> <p>PREFACE 1.1 ABOUT THIS RFP</p> <p>1.1.1 IDBI Bank is a new generation bank. Originally it was constituted under Industrial Development Bank of India Act, 1964 as a Development Financial Institution and came into being as on July 01, 1964 vide GoI notification dated June 22, 1964. It was regarded as a Public Financial Institution in terms of the provisions of Section 4A of the Companies Act, 1956. It continued to serve as a DFI for 40 years till the year 2004 when it was transformed into a Bank. 1.1.2 In response to the felt need and on commercial prudence, it was decided to transform IDBI into a Bank. For the purpose, Industrial Development Bank (Transfer of Undertaking and Repeal) Act, 2003 [Repeal Act] was passed repealing the Industrial Development Bank of India Act, 1964. In terms of the provisions of the Repeal Act, a new company under the name of Industrial Development Bank of India Limited (IDBI Ltd.) was incorporated as a Govt. Company under the Companies Act, 1956 on September 27, 2004. Thereafter, the undertaking of IDBI was transferred to and vested in IDBI Ltd. with effect from the effective date of October 01, 2004. In terms of the provisions of the Repeal Act, IDBI Ltd. has been functioning as a Bank in addition to its earlier role of a Financial Institution. 1.1.3 In order that the name of the Bank truly reflects the functions it is carrying on, the name of the Bank was changed to IDBI Bank Limited and the new name became effective from May 07, 2008 upon issue of the Fresh Certificate of Incorporation by Registrar of Companies, Maharashtra. The Bank has been accordingly functioning in its present name of IDBI Bank Limited. IDBI Bank is having its Registered office at IDBI Towers, WTC Complex, Cuffe Parade, Mumbai, Maharashtra 400 005. 1.1.4 IDBI Bank is in the process of implementing its Financial Inclusion Plan in selected villages PAN India. Financial Inclusion means delivery of financial services at an affordable cost to the vast sections of the disadvantaged and low-income groups for inclusive growth. Such financial services include savings &amp; current a/cs, micro credits, micro insurance &amp; investment, payments and remittance facilities etc. in the short term and all the banking and financial products in the long term. 1.1.5 In view of achieving the said objective, Bank shall adopt Information and Communication Technology (ICT) mode coupled with Business Correspondent model. Business Correspondent (outsourced third-party) would render Banking and Financial services within...</p>