RFP for Core Banking Solution of WBSCB Ltd

RFP For Core Banking Solution of WBSCB Ltd.

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REQUEST FOR PROPOSAL (RFP)

For

Core Banking Solution (CBS)

For

Supply, Installation, Implementation of Centralized Core Banking Software, Data Migration, Data Integration, Networking (WAN),

Facility Management on Turnkey Basis

For

The West Bengal State Cooperative Bank Ltd


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Table of Contents SECTION 1 : INTRODUCTION...................................................................................7

1.1 Project Overview: ......................................................................................................... 7 1.2 Project Objective........................................................................................................... 7 1.3 Bank's Solution Requirements..................................................................................... 7 1.4 Components of the Application Software ................................................................... 8 1.5 Brief Scope of Work...................................................................................................... 9 1.6 Support for the Project............................................................................................... 10 1.7 Warranty: .................................................................................................................... 10 1.8 Connectivity: ............................................................................................................... 11 1.9 Connectivity Architecture. ......................................................................................... 11 1.10 Sale of Bid Document.................................................................................................. 11 1.11 Transferability of Tender Document. ....................................................................... 12 1.12 Misplacement of Tender Document: ......................................................................... 12 1.13 Terminology used in the RFP .................................................................................... 12 1.14 Pre-bid Discussions, Place, Time and Date:.............................................................. 12 1.15 Address at which the Bids are to be Submitted........................................................ 13 1.16 Last Date and Time of Receipt of Bid: ...................................................................... 13 1.17 Place, Date and Time of opening of Pre-qualification Bid: ..................................... 13 1.18 Submission of Bids ...................................................................................................... 13 1.19 Procedure of Evaluation............................................................................................. 13 1.20 Evaluation of Technical Bids ..................................................................................... 14 1.21 Software Evaluation Methodology ............................................................................ 15 1.22 Evaluation of Commercial Bid: ................................................................................. 16 1.23 Right to Negotiate........................................................................................................ 16 1.24 Contract Agreement ................................................................................................... 16

SECTION 2 : ELIGIBILITY CRITERIA FOR BIDDERS........................................17 2.1 Bidder's General Qualification .................................................................................. 17 2.2 Minimum Eligibility Criteria ..................................................................................... 17

SECTION 3 : DETAILED SCOPE OF WORK ..........................................................20 3.1 Functional Requirement............................................................................................. 20 3.2 Data Migration ............................................................................................................ 20 3.3 Data Archival .............................................................................................................. 20 3.4 Provision of Test Environment .................................................................................. 21 3.5 Audit Tools .................................................................................................................. 21 3.6 Performance Metrics/Service Level Parameters...................................................... 21


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3.7 Training ....................................................................................................................... 21 3.8 Benchmark Reports .................................................................................................... 22 3.9 Gap Identification and Resolution: ........................................................................... 22 3.10 Test Data ...................................................................................................................... 22 3.11 Implementation of Core Banking Project................................................................. 22 3.12 Timeline: -.................................................................................................................... 24 3.13 Hardware Requirement.............................................................................................. 24 3.14 Wide Area Network (WAN) Connectivity ................................................................ 25 3.15 Facility Management. ................................................................................................. 25 3.16 Antivirus ...................................................................................................................... 26

SECTION 4 : PROCEDURE OF SUBMISSION OF BIDS......................................27 4.1 Phases of Bidding ........................................................................................................ 27 4.2 Submission of Bids ...................................................................................................... 27 4.3 Documents Comprising the Bids: .............................................................................. 28

SECTION 5 : OTHER TERMS AND CONDITIONS FOR BIDS: .......................29 5.1 Criteria for Rejection of Bids..................................................................................... 29 5.2 Acceptance of the Bid. ................................................................................................ 29 5.3 Cross Checking............................................................................................................ 29 5.4 Absence of Specifications: .......................................................................................... 30 5.5 Cost Involved in Tendering. ....................................................................................... 30 5.6 Pre-bid Conference. .................................................................................................... 30 5.7 Amendment to Tender Document. ............................................................................ 30 5.8 Withdrawal of Bid Proposal....................................................................................... 30 5.9 Earnest Money Refund............................................................................................... 31 5.10 Site Visit. ...................................................................................................................... 31 5.11 Warranty. .................................................................................................................... 31 5.12 Proprietary / Patent rights. ........................................................................................ 32 5.13 Validity of the Bid:...................................................................................................... 32 5.14 Right to Accept or Reject any Bid. ............................................................................ 32 5.15 Discretion to Procure or not to Procure Some Items............................................... 33 5.16 Additional Information / Clarification...................................................................... 33

SECTION 6 : TERMS AND CONDITIONS OF CONTRACT..................................34 6.1 Use of Tender Documents and Other Information .................................................. 34 6.2 Change in the Minimum Specified Work ................................................................. 35 6.3 Changes in the Contract Agreement. ........................................................................ 35 6.4 Delivery Period............................................................................................................ 35


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6.5 Warranty Period and Maintenance Services............................................................ 37 6.6 Responsibility of CBSP vendor. ................................................................................. 37 6.7 Responsibility of the Bank.......................................................................................... 42 6.8 Price Fall ...................................................................................................................... 42 6.9 Inspection /Testing of items /Equipments:................................................................ 42 6.10 Invoicing....................................................................................................................... 42 6.11 Condition of the item supplied. .................................................................................. 43 6.12 Acceptance Test for Hardware. ................................................................................. 43 6.13 Acceptance Test for Software. ................................................................................... 44 6.14 Payment Schedule. ...................................................................................................... 44 6.15 Refund of Security Deposit......................................................................................... 45 6.16 Change in Company Structure. ................................................................................. 45 6.17 Compliance with Laws / Permits:.............................................................................. 45 6.18 Forfeiture of Earnest Money...................................................................................... 45 6.19 Termination of the Contract ...................................................................................... 46 6.20 Consequences of Termination.................................................................................... 46 6.21 Unavoidable Circumstances....................................................................................... 47 6.22 Insurance of the items................................................................................................. 47 6.23 Escrow Mechanism ..................................................................................................... 47 6.24 Arbitration................................................................................................................... 48 6.25 Acquaintance with all conditions............................................................................... 48 6.26 Commercial Terms & Conditions. ............................................................................ 48 6.27 Revision/Modification of RFP.................................................................................... 49


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INVITATION FOR BIDS

Ref No. HO/MD/Sectt/73/2009-10 Date: 24/08/2009

1. THE WEST BENGAL STATE COOPERATIVE BANK LTD intends to implement

CORE BANKING SOLUTION in its Branches, Regional Offices and Head Office in

the districts of Kolkata, North 24 Parganas, South 24 Parganas, Coochbehar, Jalpaiguri

and Darjeeling.

2. The SCOPE OF WORK envisages a complete TURNKEY SOLUTION which includes

procurement, installation and maintenance of Hardware, System Software, Application

Software, Networking (Wide Area Network-WAN), establishment of Data Centre (Except

Civil Work) at Head Office of User Bank and Disaster Recovery Center (DRC), IT

Resource and implementation of Core Banking solution including customization and

parameterization, Training and Handholding Support for the Branches / Offices.

3. Interested bidders may obtain further information from the office of the Managing

Director, West Bengal State Cooperative Bank, 24A, Waterloo Street (3rd Floor),

Kolkata700069, India.

4. A complete set of Request for Proposals (RFP) may be purchased by the interested

bidders on submission of a written application, in duplicate, from the West Bengal State

Cooperative Bank HO, Computer Department, 2nd floor, 24 A, Waterloo street, Kolkata-

700069 or downloaded from the website www.banglarmukh.com. In case the bidder

downloads the RFP from the Internet the bidder should enclose the purchase price of the

RFP in the form of DD/ Pay order/ Manager's cheque in favour of the West Bengal State

Cooperative Bank Ltd payable at Kolkata, along with the bid in a separate envelop

marked BID PRICE.

5. The RFP/ bid documents can also be obtained from the above address during office hours

on all working days during working hours starting from 24/08/2009 and upto 03/09/2009.

6. The details are hereunder:

6.1 Bid Reference:

6.2 Price of RFP : Rs. 10,000/- (Rupees ten thousand only)

6.3 EMD : Rs.15.00 lakh

6.4 Last date & Time of receipt of bid 23/09/2009 by 3 P.M.

6.5 Date, time and place of holding pre bid conference: 09/09/2009 at 11 A.M. at the

Conference Hall of Head Office of the Bank.

6.6 Date and time of opening of pre-qualification bid; 09/10/2009 at 12 Noon

6.7 Date and time of opening of Technical bid: 30/10/2009 at 2.30 P.M.


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6.8 Subsequent to Evaluation of Technical Bid, Commercial Bid will be called for

from the selected / qualified Bidders (of Technical Bid). The Date of floating of

Commercial bid will be notified subsequently along-with the relevant particulars

and criteria for evaluation. The Date and Time of opening of Commercial Bid

will be notified at that time

6.9 Place of submission and opening of bids: West Bengal State Cooperative Bank,

Head office, 3rd floor, 24 A, Waterloo street, kolkata-700069

7. The entire process of selection will be covered in two Phases. In the first Phase, it would

be for Pre-qualification and Technical. In the second Phase it would be for

Commercial. Those Bidders who will qualify in the first Phase will be eligible for

participating in the Commercial Bid. In the first Phase, the bidder will have to submit

both “Pre-qualification Bid” and “Technical Bid”. However, these two bids will have

to be put in two separate envelopes marked accordingly at a time. The “Pre-

qualification Bid” will be evaluated first and if the bidder qualifies in the pre-

qualification bid, only then the “Technical Bid” of the qualified bidders will be

evaluated. The “Commercial Bids” will be asked in the second Phase from those

bidders only who qualify in “Technical Bid”.

8. The “Pre-qualification Bid” and “Technical Bid “ must be submitted in separate

sealed covers superscribed with separate titles together with the price of RFP and EMD

(Earnest Money deposit), which should be submitted in a separate envelope marked “Cost

of RFP/EMD”. Thus, there will be three separate envelopes each superscribed / marked

as mentioned herein before. All these three envelopes should be kept in a sealed cover

superscribed with separate title “Bid for comprehensive Centralized Core banking

solution with integrated Wide Area Network Project for the W.B.S.C.B. Ltd."

9. Detailed scope of work, procedure of submission of RFP, eligibility criteria, procedure of

selection of vendor etc. are mentioned in the RFP document.

10. The WEST BENGAL STATE COOPERATIVE BANK reserves the right to accept or

reject in part or in full any or all the offers without assigning any reason whatsoever.

Managing Director

The West Bengal State Cooperative Bank Ltd.


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SECTION 1 : INTRODUCTION

1.1 Project Overview:

The west Bengal State Cooperative Bank is a scheduled bank included in the 2nd schedule

of the Reserve Bank of India and incorporated in 1918 under the West Bengal

Cooperative Societies Act. It is the Apex body (Federation) of District Central

Cooperative Banks through which it chanellizes farm and non-farm sector loans under

NABARD refinance schemes to PACS (Primary Agriculture Credit Cooperatives. As of

now it has 43 branches, three Regional offices and Head Office located in Kolkata, North

24 Parganas, South 24 Parganas, Jalpaiguri, Darjeeling and Coochbehar districts through

which it carries commercial banking activities and also finances DCCBs, Other

Cooperatives and also PACS directly in absence of District Central Cooperative Banks in

three districts. It also has a staff-training center in Salt Lake, Kolkata.

Following are the financial / business position of the Bank as on 31.3.2009

Net worth: 139 Crore

Working Capital: 4883 Crores

Deposits: 3368 Crores

Advances: 2170 Crores

Investments: 2507 Crores

1.2 Project Objective.

The West Bengal State Cooperative Bank runs in its 39 branches an Application software

named 'Pentabank' with modules supporting all types of Deposit products, Loans and

Advances (except loans to DCCB and PACS). It also makes Treasury operations at the

HO through RTGS/CBLO. The Bank intends to deploy a Centralized Core Banking

Solution (CBS) in all its Branches, Regional Offices, and HO with a view to offering

Anywhere Any Branch Banking, ATM facility, Internet Banking and Phone Banking to

clients and centralized monitoring of MIS and Reports. The existing delivery channels

should, therefore, be seamlessly integrated during migration and thereafter for un-

interrupted services to its customers and all its interested parties. Considering these facts

the proposed solution should be scalable to handle a minimum of 75 business units taking

into consideration the Branches / Offices/ Business units opening in future.

1.3 Bank's Solution Requirements.


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1.3.1 The CBS would need to technologically enable all Banking functionalities

/ products like Deposits, Advances, Retail / Corporate Loans, Credit

Monitoring / NPA Management, Clearing and Collection functions, Term

Lending including Agriculture Loan, Customer Information System,

General Ledger, MIS and reports, etc., as per branch activities. The

software solution should also, inter-alia provide for Head Office, HR &

Payroll Module, Treasury / CBLO etc with MIS.

1.3.2 The Bidder should provide a FULL solution keeping in mind the current

requirements as per RBI guidelines and as per Co-operative rules, and

keep provision for integration / interface with other systems like

RTGS/NEFT etc.

1.3.3 The CBS application software should be Customer Centric (single view of

all accounts of a customer) and follow the KYC (Know Your Customer)

guideline.

1.3.4 Interface with the CBS with delivery channels like ATM, Internet

Banking, Phone Banking, SMS Banking as and when they may be

introduced.

1.3.5 The Bank may introduce new products / services by building interfaces

where required, through various delivery channels, for which the CBS

should provide interface.

1.3.6 The vendor should prepare their Data migration tools and the data should

be migrated to the proposed solution for all the branches being converted

to CBS. The vendor has to migrate the existing data with all transaction

history of all accounts (available at bank) into their proposed solution.

1.3.7 The bidder/vendor’s CBS solution should be browser based and run on

ORACLE RDBMS and UNIX of any brand (with support) as Operating

System at Data Centre (Database level) and MS-WINDOWS will be the

Operating Systems in the Front end.

1.4 Components of the Application Software

The application software should support the following:

• Any Time Anywhere Banking

• Internet Banking


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• Tele banking

• ATM connectivity

• SMS Banking

• Mobile Banking

• Asset Liability Management

• Treasury / Fund & Investment Management

• NPA Management

• H R Management

• Disaster Recovery Management

1.5 Brief Scope of Work.

A brief description of the envisaged scope of work is enumerated below which includes:

1.5.1 Deployment and maintenance of Servers, Storage racks, Network and security

components as required for the CBS at the Data Center and Disaster Recovery

Centre. The bank will float a separate tender for setting up of a Data Centre at the

Head Office of the Bank. The Disaster Recovery Centre will be on Hosted model.

1.5.2 To put in place a Primary Network (by taking Bandwidth from a suitable

service provider by User Bank) and provide redundant network bandwidth

links between the branches, offices, Data Centre (DC) and Disaster

Recovery Centre.

1.5.3 Migration of all data of computerized branches from the legacy system to the

required platform of Core Banking application. For the branches which are still

running on manual basis either fully or partly (in respect of some modules),

required data to be inputted on sample basis so as to facilitate a smooth

computerization of branches under CBS.

1.5.4 Provide facility management for the Primary Data Centre, Disaster Recovery

Centre and the Networking Systems provided as part of the Tender for a period of 3

years

The detailed requirements are given separately on each area under the “Detailed Scope of

Work”. However, the Bank reserves its rights to change the scope of the RFP considering

the size and variety of requirements and changing business conditions or for any other

purpose which the Bank may deem fit.


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1.6 Support for the Project

The Bank would require following supports from the vendor.

1.6.1 Project Management: The Bidder who will be awarded the contract will carry

complete responsibility of managing the project including, Maintaining software

and hardware along with the Network connectivity and Data Migration till the

clearance of the acceptance test of the project as defined under the various phases

by the Technical Committee of the Bank with effect from the date on which

acceptance certificate for successful commission of system is issued by the Bank.

The manual data entry work will be supervised by the vendor.

1.6.2 Software Support: The Bidder will also provide free onsite support for software

that may include incorporation of requisite changes in the software and

documentation for a period of 3 years after successful implementation / first “live

run” of the respective module duly certified by the Bank. This support includes,

providing solution to the day-to-day problems that may be encountered due to

any of the constituents of the System Software, Application Software, and Data

etc. It may also include minor changes in the software and customization required

for report generation.

1.6.3 Facility Management: The Bidder will operate and maintain the IT

infrastructure for all the components provided as part of this RFP. The vendor

will have to set up Help Desk at the Head Office of the Bank for providing

support to branches on 24 x 7 bases. The User Bank will provide all infrastructure

support to the vendor for creating set up of Help Desk. The Scope of work is

provided in section 3.15.

1.7 Warranty:

The Bidder is required to provide satisfactory service during the Warranty period as

specified in clause 5.11 of Section 5. The Warranty shall be deemed to commence from

the date of issue of acceptance certificate of the Network, Application software and

Hardware after successful completion of the final acceptance test. The vendor must

have a satisfactory arrangement to receive and attend complaints which includes online

receiving system of complaints from Branches / Offices by creating a web-enabled

facility. Vendor shall also record each and every complaint received verbally,

telephonically, through web-enabled service, e-mail etc. and action taken thereof shall

be recorded in a logbook to be maintained at the H.O of the Bank at Kolkata.


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1.8 Connectivity:

The connectivity is to be implemented in a redundant configuration i;e all the branches

will be connected with Data Center primarily through layered Leased Lines ( in a

rudimentary Meshed network configuration ) which will act as the primary connectivity

medium and for the back-up (fail over) to be provided over ISDN connectivity. The

following will be the bandwidth for the leased line based Wide Area Network (WAN)

connectivity;

(a) Branches in Kolkata 64 Kbps

(b) Branches in North 24 Parganas 64 Kbps

(c) Branches in South 24 Parganas 64 Kbps

(d) Branches in Coochbehar 64 Kbps

For remote Branches, where Lease-line and ISDN lines are unavailable, the

connectivity will be on V-SAT in Single layer.

1.9 Connectivity Architecture.

All the Branches and offices will get terminated at the Data Centre at the Head Office.

The Connectivity between the various branches / Offices / DC / DR will be as per the

following Diagram.

1.10 Sale of Bid Document.

1.10.1 A complete set of Bid documents can be purchased by the bidders on

submission of a written application to the Managing Director, West

Bengal State Cooperative Bank Ltd (WBSCB) on payment of non

Data Centre

DR Site

Branch 1 RO 1 Branch nBranch 2 RO 3 RO 2 HO


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refundable fee for Rs. 10,000/= (Rupees Ten thousand only) through

Demand Draft / Pay Order/ Manager’s Cheque on any scheduled bank

drawn in favour of “The West Bengal State Co-operative Bank Ltd.”

payable at Kolkata.

1.10.2 Tender document will be available for purchase from 10.00 A.M to 4.00

P.M. on all working days and from 10.00 A.M to 12 noon on Saturdays

starting from 24/8/2009 to 03/9/2009.

1.10.3 The bid should be valid for 180 days from the date of opening of the

Commercial Bid.

1.11 Transferability of Tender Document.

This tender document is not transferable.

1.12 Misplacement of Tender Document:

The Bank will not be responsible for any postal delay about non-receipt / non-

delivery of the document tendered by the Bidders / Vendors.

1.13 Terminology used in the RFP

1.13.1 The term “bidder” means the firm/ company who submits the bid.

1.13.2 The term “Vendor” means the bidder who is awarded the contract and who

subsequently signs the agreement with the Bank.

1.13.3 “Bank” means The West Bengal State Cooperative Bank Ltd.

1.13.4 “PACS” means Primary Agriculture Credit Cooperative Societies affiliated to

bank.

1.13.5 “DCCB” means District Central Cooperative Banks affiliated to Bank

1.13.6 “CBSP” means Core Banking Solution Provider.

1.14 Pre-bid Discussions, Place, Time and Date:

Bidders may submit their queries in regard to RFP document either in writing or

through e-mail (mdwbscb @rediffmail.com ) to the Managing Director, West

Bengal State Co-operative Bank Ltd, 24A, Waterloo Street, 3rd floor , Kolkata-

700069 at least four (4) days ahead of the per- bid conference. In the pre-bid

discussions, only those queries which will be received by the Bank either in writing

or through e-mail upto 4 days before the pre-bid conference will be replied and no

other queries of bidders will be entertained. The pre-bid conference will be held in


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the Board Room of the Bank on 09/09/2009 at 11.00 A.M. In the pre-bid

conference not more than 2 (two) authorized representative of the bidder who has

purchased the tender paper will be allowed.

1.15 Address at which the Bids are to be Submitted.

Managing Director

The West Bengal State cooperative Bank Ltd;

24A, Waterloo Street, 3rd Floor, Kolkata-700069

Phones : (033) 2248-8491/8492, (033) 2436-3572

1.16 Last Date and Time of Receipt of Bid:

Bids will be received upto 3.00 P.M. on 23/09/2009

1.17 Place, Date and Time of opening of Pre-qualification Bid:

Board Room of the Bank on 09/10/2009 at 12 Noon.

1.18 Submission of Bids

All bids prepared in accordance with the procedure enumerated at section 4 should

be submitted both in hard copies and soft copies to the office of the Managing

director, WBSCB on or before 23/09/2009. Before submission of the bids please go

through the Annexure-XI and ensure that all the required documents / papers /

information have been furnished properly.

1.19 Procedure of Evaluation

1.19.1 Pre-qualification bids (As per format mentioned in Annexure-I(A) & Annexure-I

(B) would be evaluated first by the “Evaluation Committee” of the Bank.

1.19.2 After evaluation of Pre-qualification bid, Technical bids (as per Annexure-III(A)

and Annexure-III(B)) would be opened for the bidders who have qualified in the

Pre- qualification bid.

1.19.3 Technical bids would then be evaluated by the evaluation committee as per

procedure laid down under clause 1.20.

1.19.4 Technical bids shall be evaluated in the following steps:

(a) The documents furnished by the bidder will be examined to see whether

the qualification and specification requirement mentioned for centralized

banking software, networking and system software along with necessary

hardware are fulfilled.


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(b) The bidders will also be required to make a presentation to the evaluation

committee covering all aspects of the solution. Thereafter, bank may visit

live sites where Bidder’s CBS software is running and Bidder has to

arrange for a full demo of the working software at his own cost.

(c) The System offered by the Bidder will be required to be tested for bench-

marking in respect of Response time, Performance, Bandwidth

requirement, and the Software functionality requirement etc.

1.19.5 Conditional bids shall be rejected. Bids rejected during any round of evaluation

will not be entertained for the next evaluation stage and no representation

thereafter will be considered.

1.19.6 The Bank shall have absolute discretion in applying the selection criteria as listed

in the RFP documents for short listing of the bidders.

1.20 Evaluation of Technical Bids

1.20.1 There will be a thorough technical evaluation of the Core Banking Solution proposed by the vendors. The Server(s), Routers, Switches, Firewall, Operating System, Database, Application Software (for banking) and others technology based products will be evaluated based on various parameters. The Application software will be evaluated based on the functionality (as per requirements laid down in Annexure – IV(A) ), Any additional feature beyond the requirements as mentioned in Annexure IV(A), Report generation capability, Application security, User-friendliness, Look & feel, etc.

1.20.2 The manner of Evaluation of Software Functionality is detailed in

Annexure – IV (B).The Total Marks in Software Segment is 800.

1.20.3 The Total Marks in the entire Technical segments is allotted as 1600 (including 800 for CBS Software).

1.20.4 Marks obtained in various segments will be added together and the

highest scorer will be treated as the Benchmark (i.e. 100%). The marks obtained by other bidders will be converted to a percentage with respect to the highest scoring bidder (i.e. with respect to the benchmarks of 100% obtained by the highest scorer). This means that the highest score obtained by a Bidder will be treated as the Benchmark i.e 100.

1.20.5 Only the vendors who get at least 90% marks with respect to the

Benchmark percentage of 100 as per para 1.20.4 above will be considered eligible for participating in Commercial bid.


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1.20.6 After evaluation of Technical Bids in the manner as laid down above, if it is found that a minimum of three bidders do not get the qualifying marks, the first three top scoring vendors will be asked to participate in the second phase i.e. in the Commercial bid.

1.21 Software Evaluation Methodology

The complete application software will be viewed as consisting of various modules. All the modules of the CBS software will be evaluated thoroughly. The Annexure IV(A) containing the items that will be evaluated is enclosed with the RFP. The marking of the items will be based on the following parameters:

Requirement : Mandatory / Desirable / Optional from the Bank’s end. Availability : Available / Customizable / Unavailable from the vendor’s end.

The marking strategy for the items is as follows:

Apart from the above, each line-item has been assigned a weightage, which is a respective multiplier to the above marks. Marks of each module will then be aggregated.

In addition to the items that will be evaluated as per Annexure-IV, the application software will also be evaluated for the following two items.

Look and Feel of the Software: 10% Marks for Additional Features: 10%

The Vendor has to indicate suitably the additional features of various Modules of their Software which are additional to the list of line items in the as mentioned in the Annexure – IV(A).

The number is translated to 100 for each module. Each Module is also having respective weightage, which is factored suitably to ultimately yield the total marks in the Application Software category. The marks is reckoned as 800 in aggregate for this segment. However, to be technically qualified all the vendor must have to obtain a minimum of level of marks in respective modules as indicated in Annexure – IV(B) in respect of Software Evaluation methodology. In case any other module e.g Anti Money Laundering, Forex, Cheque Truncation etc are built into the Software, the same may be indicated- which

Requirement / Availability Available Customizable Unavailable

Mandatory 10 6 0 Desirable 6 3 0 Optional 4 2 0


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however will not be within the scope of evaluation by awarding marks but for taking a suitable view subsequently in regard to acquisition / deployment of the same.

1.22 Evaluation of Commercial Bid:

After the Technical Bid, the Vendors who will qualify in this segment will be given the Format for Quoting for the Commercial bid.

While the detailed manner of Commercial Evaluation will be indicated at that point of time, the methodology followed will be based on the Total Cost of Ownership based on

Capital Cost: - Hardware, - Networking Equipments,

- Software – OS / Database - Application Software (including Cost of -

Customisation of Software) Revenue Cost: - AMC Cost for a span of 3 years for Hardware as

well as Software - Cost of Anti Virus Software and Deployment - Facility Management for 3 years

- Handholding for 7 days - Cost of Training as per RFP

Bandwidth Cost:

1.23 Right to Negotiate

After the Evaluation of Commercial Bid, the Bank reserves the right to negotiate with the selected bidder, if required.

1.24 Contract Agreement

After finalization of Commercial Bid, a Contract Agreement and Service Level

Agreement (SLA) will be signed between the selected bidder and the Bank. The

selected bidder will have to submit 10% of the total cost of solution as performance

guarantee from any scheduled bank. The amount and period of the performance

guarantee will be for the respective amounts and duration of the respective services.


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SECTION 2 : ELIGIBILITY CRITERIA FOR BIDDERS

2.1 Bidder's General Qualification

The RFP is open to all firms / companies both from within India and outside India who

are eligible to do business in India under relevant Indian laws as in force at the time of

bidding. Core Banking Solution Provider (CBSP) can also be the consortium of two or

more companies, which jointly fulfill the eligibility conditions as listed below:

2.1.1 The bid shall be signed by the Core Banking Solution Provider (CBSP) for

providing the Solution and shall be countersigned by other members of the

consortium and shall be legally binding on all consortium partners. The prime

Vendor front-ending the solution cannot submit more than one bid.

2.1.2 The bidder shall be evaluated based on various parameters as defined in the this

RFP / bid document.

2.1.3 In case of consortium there shall be a valid Agreement between the front-ender

/leader of the Consortium with the respective members who will authorise the

prime vendor/ consortium leader to represent on their/ his behalf. The date of

such Agreement / MOU should be prior to the date of submission of bid. The

Agreement/ MoU shall clearly specify the role and responsibility of each member

of the consortium and this Agreement / MoU shall be exclusively for this project.

2.1.4 In case of consortium the Lead Partner will be the single point of contact between

the Bank and the vendor, and shall be responsible for all liabilities and issues

relating to this contract and address / execute / resolve issues relating to this

contract.

2.1.5 The bidding firm / company should have been in existence for a minimum period

of last 5 years and must be involved in providing centralized core banking

software solution to Scheduled banks / Nationalized Banks / Cooperative Banks

for a period of last 3 years.

2.2 Minimum Eligibility Criteria

2.2.1 The bidder / Leader of the consortium shall have Minimum Average Annual

Turnover of Rs 30 crores for last three financial years i.e. 2006/07, 2007/08,

2008/09, and must have posted profit for the last 3 years. They must submit

audited Balance Sheet as proof of turnover and profit.

2.2.2 The Software vendor of the Consortium should have Minimum Average

Annual Turnover of Rs 20 crores for least three financial years i.e. 2006/07,


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2007/08, 2008/09 and the bidder or the consortium partner providing the

system solution must have SEI-CMMi level 5 certification.

2.2.3 The bidder must have a certified copy of valid Sales Tax number and PAN.

2.2.4 The CBSP must have successfully implemented centralized core banking

solution in a scheduled bank / nationalized bank / Co-operative Bank handling

in aggregate at least 100 branches and it should at least be running successfully

for past two years. The Vendor shall implement a banking solution at the HO &

branches of the Bank with the functionalities as listed in Annexure IV(A) of the

RFP.

2.2.5 The bidder firm / company should have at least 100 numbers of qualified and

experienced manpower on its roll.

2.2.6 The CBSP must have an office in Kolkata. In case it has no presence in

Kolkata, it shall furnish an undertaking before signing the contract Agreement

and Service Level Agreement that it shall set up an implementation centre and

office in Kolkata within one month of the selection as a vendor.

2.2.7 The bidder and each member of the consortium (in case of consortium) shall be

Information Technology Company and should have expertise in the field of IT,

especially in system integration and architecting solution for project

implementing and communication content. Knowledge about technology trends

and experience in large project implementation & monitoring, programme

management and operations control is mandatory.

2.2.8 The bidder and each member of consortium (in case of consortium) shall have

bank's certificate of solvency, company registration certificate, registration

under Labour Laws, valid sales tax/ vat registration certificate, service tax

registration certificate and shall have all licenses required to perform the works

mentioned in the " Scope of Work".

2.2.9 The IT resource OEM firm must be ISO: 9001 / ISO: 14001. The consortium

member must be authorized dealer / distributor / authorized service provider

and should be authorized by the Resource OEM firm. Please attach valid

documents supporting this.

2.2.10 The design / solution provided by the bidder for project must be in accordance

with the policies / regulations applicable to such networks as lid down by RBI,

Govt. of India.

2.2.11 Details and proof of service facilities for software support on centralized

banking, technical support on services, and maintenance of hardware


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components to be attached with consumer list to whom the services are

provided.

2.2.12 Technical design / implementation criteria proposed must be indicated by the

bidders in their bid covering / conforming inter-alia the following:

2.2.12.1 The methodology to be followed for implementing the centralized core

banking along with other components viz; as described in Para 2 of

Section 1.

2.2.12.2 Proposed Wide Area Network Solution Architecture along with proposed

bandwidth requirement per branch for common activities.

2.2.12.3 The structure of the development / implementation team with roles and

responsibilities of each level proposed to be deployed for the project.

2.2.12.4 All hardware and networking components (must be from renowned

manufacturers).

2.2.12.5 All products must have OEM guarantee against obsolescence for at least

next 5 years from the date of acceptance of the system by the WBSCB.

2.2.12.6 The CBS- software should have been audited by an independent Audit

Body with requisite CISA certification and the certificate is to be

submitted.


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SECTION 3 : DETAILED SCOPE OF WORK

Based on the contents of the RFP, the Bidder shall provide a solution which provides Business continuity procedures application. However, the Bank reserves its right to change the scope of the RFP considering the variety of requirements and changing business conditions. The Bank expressly stipulates that the Bidder’s selection under this RFP is on the express understanding that this RFP contains only the principal provisions for the entire assignment and that delivery of the deliverables and the services in connection therewith are only a part of the assignment.

3.1 Functional Requirement

The CBS would need to technologically enable all Banking functionalities/products like Deposits, Advances, Retail / Corporate Loans, Credits Monitoring, NPA Management, Clearing and Collection functions, Term Lending, Customer Information System, General Ledger, MIS and Reports, etc., as mentioned in detailed requirements document. The CBS should support a 24X7-processing environment across all the business units of the Bank. This solution should be maintainable, reliable, secure, scalable, interoperable, portable and understandable.

The Bank expects the bidder to provide the Bank with a FULL solution keeping in mind the current requirements and the guidelines issued by RBI, NABARD and other regulators and to advise the Bank to channel integration and interfaces with other system and to render all possible assistance to the Bank including training for a Bank wide implementation of CBS. Interface the CBS to delivery channels like ATM, RTGS, and NEFT etc. Enable the introduction of new product/services by building interfaces where required, through various channels.

3.2 Data Migration

Perform/Enable migration of entire data pertaining to live accounts (from the time of account opening or from the time the data is available) for accounts like term deposits, recurring deposits, loans, advance etc to the proposed solution for all the branches being converted to CBS. The history data should at least fulfill the objectives of printing back dated customer statements (for all products, accounts, and schemes supported by the legacy application) passbook, general ledger, profit & loss statement, trial balance, account master information, standing instruction and transaction history (including GL, PL heads and other office accounts, office accounts/ statements/ returns) and should also supports printing MIS reports as desired by the Bank for the legacy data migrated. The Bank would require a standard input engine so that it may perform the migration job itself; appoint the chosen vendor or any third party for data migration and data entry.

3.3 Data Archival

In the CBS environment, the Bank wants to keep a minimum of 60 months of data before archiving the data. Whenever necessary the Bank should be able to extract required statements from the archived data from data committed to archives of data reservoirs.


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3.4 Provision of Test Environment The Bidder needs to provide test environment of 100 concurrent users accessing the CBS Software. The Bidder needs to provide separate test environments for other Delivery Channels and other software being a part of the solution to be provided by the Bidder. The Bidder is also expected to provide test scripts and model test cases for a complete acceptance testing of the solution including all customizations. These will be perused and separately verified by the Bank using its own or third party tools/services. The Vendor must allow complete testing by the Bank, the Vendor’s or third party methods.

3.5 Audit Tools

The Bidder needs to develop and provide automated Audit Tools for the Bank’s internal and concurrent auditors for auditing all the components of the solution provided. The Bank will also create and deploy such tools it may deem necessary for cross verification. The bidder is required to assist in this by providing relevant documentation.

3.6 Performance Metrics/Service Level Parameters

The Performance Metrics / Service Level parameters in respect of the CBS Solution have been indicated in Annexure-X (Part-A, Part-B and Part-C). The responses are to be indicated in the last column of the respective items.

3.7 Training

The Bidder will be responsible for training the Bank’s employees in the areas of implementation, operations, management, error handling, and system administration of the customized solution. The Training should at least cover the following areas for various segments of users / personnel:

• Core Banking System concepts • Functionality available in the solution and ‘hands-on’ session on the same • Parameterization. • Audit techniques. • Techniques of generating various MIS / EIS reports from the solution provided. • Development and deployment of new products using the solution. • Security, system administrations & management of the system. • First level troubleshooting and diagnosis

For training of general users, Bank will provide the physical infrastructure at Kolkata. However, in case special Training is to be imparted to the core team outside Kolkata, the same is to be mentioned with details. The Bidder will provide training to the employees of the Bank in the following manner:

a. Core team comprising of 10 persons in 1 batch for 2 weeks b. End-users comprising of 150 persons in 15 batches for 1 week c. Executives comprising of 10 persons in 1 batch for 4 days

The duration of a day will be of 7 hours. The Bank will provide the physical infrastructure at Kolkata. However, installation of Hardware, Connectivity, Loading of various Software (OS / RDBMS / Application Software etc) will be the responsibility of the CBSP.


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The Training methodology, materials (both in Hard copy and Soft copy) to be provided to the various categories are to be mentioned. The cost of Traveling / Boarding etc for the trainers will be borne by the CBSP.

3.8 Benchmark Reports

The Bank may ask at an appropriate time (during the process of evaluation) for Bench-mark report in respect of the Specification of Hardware / Performance of the hardware from a suitable third party acceptable to the Bank. The report shall include all factors as maintainability, reliability, security, scalability, portability and safety.

3.9 Gap Identification and Resolution:

The Bidder will be responsible for gap identification and resolution so as to provide all functionalities as mentioned in the RFP. The Bidder will-

• Provide the Bank with the gap identification report along with necessary solutions to

overcome the gap and the time frames. • Ensure that gaps pointed out by the audit and inspection Team, statutory and

regulatory bodies, or any third party agency engaged by the Bank will be resolved immediately.

• Ensure that all gaps identified at the time of system testing are immediately resolved. • Resolve gaps by proposing a suitable work around or customizing the proposed

solution by way of modification/ enhancement as necessary, to the proposed solution. The Bidder will provide all statutory, regulatory, and adhoc MIS (Management information System) and EIS (Executive Information System) reports as required by the Bank in the desired format during the initial phase of customization process.

• Provide for all subsequent changes to reports as suggested by the statutory and regulatory bodies from time to time immediately to the Bank at no additional cost to the Bank.

3.10 Test Data

The bidder shall provide the Bank real time data in plain vanilla format in Standard SQL along with the field description. The Vendor should provide the table / data structure to the Bank for retrieval of the data as and when necessary by the Bank. If the Vendor is not willing to share his table details, he may provide a transaction engine from his tables to another set of tables for dumping the necessary data and will provide the Bank with details of such tables.

3.11 Implementation of Core Banking Project.

The WBSCB runs in its 39 branches application software (TBA) named “PentaBank” with Oracle 8i as the back-end (database). The Bank is also the owner of the source code of “PentaBank” TBA software. The “PentaBank” software supports all types of deposit modules, Remittance, Clearing, Locker, Bills, Loans, etc (except Farm and non farm loans to PACS and DCCBs which are maintained manually).

The vendor is required to study the Ledger heads, sub-heads, codes and sub-codes in all such branches and prepare an appropriate and scalable migration tool for smooth and


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hassle free migration of data from the existing system to core banking application software ensuring uniformity of Ledger heads, sub-heads, codes and sub-codes.

The vendor is to provide a suitable module for PACS related data as required by the Bank for meeting its various functional / statutory requirements

To provide for incorporation of all data relating to DCCB’s loan a/c, Shares, inter-branch and inter-bank accounts, investments maintained manually at the Regional Offices and Head Office to electronic platform and in to the vendor’s core banking application software and to ensure smooth output of the integrated data of all the branches, Regional offices and Head Office and generation of MIS Reports and financial statements as required by the Bank. To provide a suitable module for processing of centralized staff salary (payroll)- and to upload the existing data relating to Salary from the present software system running in the Bank To ensure for an interface with existing treasury operations with the proposed CBS solutions. The Bank does not have a data centre of its own. The Bank will provide the necessary site complete with AC, Power Supply, UPS, and Generator Backup for which a separate tender will be floated. The chosen SI of this tender will be required to design the Data Centre, supply, install and commission the hardware. The bidder should provide in his bid document the number and types of electrical outlet/LAN points needed for commissioning his equipments. These should preferably be accompanied with a proposed rack layout. The bidder should clearly specify the necessary justification of the UPS power requirement. A Disaster Recovery Centre (DRC) is also to be set-up which will be on a Totally Hosted model. The entire Hardware (e.g. Servers / Racks / Network equipments etc), other Infrastructure (e.g. AC / UPS / Power supply / Security) will be on rental mode. The entire Facility Management in the DR site will also be provided by the Bidder. The bidder will have to offer such comprehensive arrangement / facility. For preparation of the Data Centre at Head Office, the whole work will be done under the supervision of SI. The vendor will have to put in place a Primary Network by taking the Bandwidth and Provide a robust redundant network bandwidth links between the branches, offices, Data Centre (DC) and DRC through lease line/V-Sat (Details mentioned in clause 5 of section I). However the Network will be built up based on bandwidth to be taken from A SUITABLE SERVICE PROVIDER. It would be the responsibility of the Vendor to liaison with the SUITABLE SERVICE PROVIDER for putting in place the Wide Area Network. Wherever required, the Bank will sign the documents and papers as the Bandwidth will be taken in the name of the Bank and the cost of the Bandwidth will be borne by the Bank. It may however be noted that, for Commercial Evaluation of the Project, the Cost for usage of Bandwidth will be taken for Total Cost of Ownership for a period of 3 years based on the projected Bandwidth requirement of the System to be provided by the Vendor. For the manual branches, required data will be inputted on sample basis so as to facilitate a smooth computerization of branches under CBS.


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Provide facility management for the Primary Data Centre and the Networking Systems provided as part of the Tender for a period of 3 years. The details of Data Load and Branch wise Users mentioned in the Annexure – VI.

3.12 Timeline: -

The proposed CBS solution will be implemented in the manner indicated below: -

Phase Name of Branches Time Schedule Purpose

WAN Connectivity

& supply and

installation of Router

I At Head Office / Data Centre 2 months * Supply & installation of IT Resources at Head Office

II

Kolkata Main, Diamond Harbour, Barasat, Coochbehar Main Branch (4)

4 months * Customization & pilot testing of application software + Live-run

60 days

III

Shyambazar, Hatibagan, Beliaghata, Chetla, Golpark, New Alipur, Siliguri Day, Siliguri Evening Branch, Barackpore,Salt Lake, Pourabhavan & Entally. (13).

2 months Rollout of proposed CBS Solution

15 days

IV Head Office Module 15 days V Pansila, Helancha, Bongaon,

Basirhat, Chandpara, Kanchrapara, Dum Dum, Amdanga, Baduria, Habra, Kakdwip, Kashinagore, Patharpratima, Baruipur, Canning, Bhangor, Mathabhanga, Dinahata, Falakata, Toofangunj & Alipurduar.(21)

In 5 months – 1 branch each In every 7 days

Rollout of proposed CBS Solution

15 days

VI Gariahat, Behala, Sagore,

Bijoyganj, Amtala.(5)

1 month to Rollout of Solution in two branches including entry of live records

15 days

Note: * For Phase I / Phase II: from date of Work order; For subsequent Phases- the time-period is for successive phases

3.13 Hardware Requirement


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The Bidder shall have to make the optimum use of the desktops, servers, UPS and printers already in use of the Bank in its branches, Regional Offices and Head Office without making them redundant. The minimum configuration of the hardware and other peripherals which will be required to build up Primary Data Centre at Head Office is mentioned in Annexure-II. The bidder has to give an undertaking that the configuration proposed by the Bank would deliver the performance requirements necessitated. However, to ensure delivery of complete performance requirement the bidder may suggest the higher specifications, if required, compatible with their proposed application software. If selected, the vendor will have the obligation under the contract to deliver the performance promised.

3.14 Wide Area Network (WAN) Connectivity

All the branches will be directly connected with primarily Data Centre situated at Head Office of the user Bank through leased lines which will act as the primary connectivity medium and for the back up (failover) to be provided over ISDN connectivity. Some remote branches will remain connected directly to the primary data centre via V-SAT in a single layer.

3.15 Facility Management.

While bidding for providing Facility Management services to the Bank, the bidder needs to consider that all the solutions provided by the bidder by way of this RFP should come with 3 (Three) year Free Product Warranty and 3 (Three) year onsite Free Service Warranty and are expected to be on AMC thereafter for 3 years which will be included under FM.

Facility Management for all purposes means all Maintenances, Technical Support for all applications and interfaces provided by the bidder, warranties, etc. which are quoted by the bidder and all other costs necessary and incidental to the maintenance and support of the infrastructure and equipment. The facility management (FM) is to be provided in 43 branches, 3 Regional Offices and Head Office (the addresses of which are mentioned in Annexure-V). The Facilities Management services would at least include:

1. Hardware Management (Servers, Peripherals, etc.) 2. Computer Hardware and Peripherals and Infrastructure and other

Equipment Maintenance 3. Inventory Management 4. Software Distribution, Maintenance and Support 5. Software License Management 6. Version Management 7. LAN and Server Administration 8. Wide Area Network Management 9. Network Operations and Management 10. Disaster Recovery Centre Management 11. Operations Management 12. Warranty


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13. Asset Movements / Tracking 14. Anti Virus Management 15. Security 16. Application management including day-begin, day-end, month-end, year-

end, periodic and daily backups. 17. Branch Hardware & Peripherals Management for hardware and

peripherals supplied as part of this RFP 18. Software updates, patch management, security updates, data updates from

one application to another application in the centralized-banking environment.

19. Integrated System monitoring on a 24x7 basis. 20. Training 21. Integrated Customer Support and Help Desk Management

3.16 Antivirus

For 200 users for Branches situated in State of West Bengal. The bidder will be requested to quote the prices of Antivirus software with three years warranty in their Commercial Bid.


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SECTION 4 : PROCEDURE OF SUBMISSION OF BIDS

4.1 Phases of Bidding

The bidders should submit their bid in two phases. In the first Phase, it would be for Pre-

qualification and Technical. In the second Phase it would be for Commercial. Those

Bidders who will qualify in the first Phase will be eligible for participating in the

Commercial Bid. In the first bid the Bidders will have to submit two envelopes containing

one envelope for “Pre-qualification” and the other one for “Technical”. The first one i.e

Pre- qualification bid will be evaluated first and then the “Technical bids” of the qualified

bidders will be evaluated. The Bidders who will be short-listed in these two segments,

will be eligible to participate in the second Phase i.e for “Commercial Bid”, which will be

asked from them in due course.

4.2 Submission of Bids

The bids ( Pre-qualification and Technical bid ) must be submitted at the same time, in

two parts i ;e Pre-qualification bid and Technical bid in separate sealed covers super

scribed with separate titles together with the price of RFP and EMD ( Earnest Money

deposit ) in separate envelopes marked " Cost of RFP/EMD. Thus there will be three

separate envelopes each super scribed / marked as mentioned herein before. All these

three envelopes should be kept in a sealed cover super scribed with separate title “Bid for

comprehensive Centralised Core banking solution with integrated Wide Area Network

Project for the W.B.S.C.B. Ltd."

4.2.1 The outside / external envelope containing the (a) Pre qualification Bid, (b)

Technical Bid (c) EM Deposit (if any) envelopes should be marked with “DO

NOT OPEN BEFORE 12 noon on 09/10/2009”.

4.2.2 The Envelope containing the Technical bids should be super-scribed with

Tender no, Due date, and the wording “DO NOT OPEN BEFORE 2.30 PM on

30/10/2009”

4.2.3 The envelopes should also indicate the name & address of bidder to enable the

bid to be returned unopened in case of late submission of bid.

4.2.4 In the event of bids being submitted by a firm/Company/consortium of

companies, it must be signed separately by each member thereof or in event of

absence of any partner it must be signed on his behalf by a person holding

power of attorney authorizing him to do so, a certified true copy of the Power

of Attorney should also be attached with Pre qualification bid. Or in the case of

company, the bids should be executed in the manner laid down in the said


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company’s article of Association. The sign natures of the bid shall be deemed

to be authorized signatures. The bidder’s representative shall furnish letter of

authority from their principals to attend the pre bid discussions, opening of pre

qualification bids, Technical bid as well as Commercial bid.

4.2.5 No bid will be considered unless and until all the documents are duly signed.

4.2.6 Prices should not be indicated in the pre qualification or Technical bid.

4.2.7 The bidders are required to submit their offers, detailed technical literature of

the systems offered to enable a clear understanding of various technical aspects.

4.2.8 All the columns of the quotation form shall be properly filled in.

4.2.9 The rates and units shall not be overwritten. Rates shall always be both in the

figures and words.

4.2.10 Any omission in filling the columns of “Unit &Rate” or pertaining to the taxes /

levies as applicable etc, shall deemed to be treated as inclusive in the total

project cost.

4.2.11 Bidders must sign all corrections.

4.2.12 The Bidder/Vendor has to deposit as Earnest Money for Rs.15,00,000/-

(Rupees Fifteen Lacs Only) with the Technical Bid in the form of Demand

Draft in favor of THE WEST BENGAL STATE CO-OPERATIVE BANK

LTD. Payable at KOLKATA from a Nationalized / Scheduled Bank. or a Bank

Guarantee for the same amount as per format enclosed Annexure -VII

4.3 Documents Comprising the Bids:

The bids prepared by the bidder according to the procedure mentioned at serial no. 1

should comprise the following documents:

i) Sealed envelope containing the draft / Bank Guarantee in respect of Earnest

Money as mentioned above.

ii) The Tender document in original duly signed on each page.

iii) Sealed envelope containing the Pre-qualification Bid.

iv) Sealed envelope containing the Technical Bid.

v) In the cases where the RFP / Tender document has not been purchased from

the Bank but downloaded from the Website, a Demand Draft for Rs 10,000/-

is to be enclosed drawn in favour of “The West Bengal State Co-operative

Bank Ltd.” Payable at Kolkata.


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SECTION 5 : OTHER TERMS AND CONDITIONS FOR BIDS:

5.1 Criteria for Rejection of Bids.

The bids will be rejected if any one or more of the following conditions are not

satisfied:

i ) Bids not submitted in compliance with the procedure mentioned in Section-4

ii ) Failure on the part of the bidder to provide appropriate information as required

in the bid proposal or any additional information as requested by the client,

including any supporting document.

iii ) Incomplete or conditional bids that do not fulfill all or any of the conditions as

specified at clause 1.3, 2, 4 of Section-1, Section-2 & Section-4 of this

document.

iv ) Bids without Earnest Money Deposit & cost of RFP documents (in case of the

documents downloaded from internet).

v ) The submission of more than one bid under different names by one bidder. If

the same is found at any stage, all the bids by that bidder will be rejected.

vi ) Material inconsistencies in the information submitted.

vii ) Bids received after the last date and time specified at clause 15 of Section-1

viii ) Bids found in unsealed cover, unsigned bids, bids signed by unauthorized

person and unsigned corrections in the bid.

ix ) Misrepresentation in the bid proposal or any supporting document.

x ) This bid shall contain no erasures or overwriting except as necessary to correct

errors made by the bidder, in which case such corrections shall be authenticated

by the person or persons signing the bid.

xi ) Repeated mention of complied or equivalent.

xii ) Conditional bids shall be summarily rejected.

Note: Decision of the evaluation committee in this regard shall be final and binding

on the bidders.

5.2 Acceptance of the Bid.

The WBSCB does not bind itself to accept the lowest bid or any bid and reserves the

right to reject any or all bids with / without any reason and to accept / prefer any bid

if it meets the requirements of the Bank.

5.3 Cross Checking.

WBSCB reserves the right to cross-check and verify bidder's information, reference,

and data submitted in the bid without further reference to the bidder.


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5.4 Absence of Specifications:

The absence of specification details regarding Core Banking Software, Hardware &

Networking to be supplied under this project implies that best industry practice will

prevail and that best quality material and workmanship will be supplied / provided.

Certification standards, when available, for the installed equipments and material,

will prevail.

5.5 Cost Involved in Tendering.

The Bidder shall bear all costs associated with the preparation and submission of bid.

5.6 Pre-bid Conference.

5.6.1 The Bank shall hold a pre-bid conference (PBC) after the sale of RFP

document in the office of the Bank. The Bank would address the clarifications

sought by the bidders with regard to the RFP document and the project. The

bidder would be required to submit their queries to the MD of WBSCB in

writing at least 4 (four) days prior to the pre-bid conference. Queries not

submitted within this deadline will not be taken up.

5.6.2 Bidders that have purchased the RFP document are welcome to attend the pre

bid conference (PBC), even if they do not have any specific queries. The

authorized representatives (not more than two) will have to be registered at the

office of the M.D. of WBSCB. No clarifications shall be issued after pre bid

conference (PBC).

5.6.3 The Bank reserves the right not to respond to any / all queries raised or

clarifications sought, if in the opinion of the Bank and at its discretion, it is

inappropriate to do so or it does not have any merit in it. Nothing in clause 5.6

above shall be taken or read as compelling or requiring Bank to respond to any

question or to provide any clarification. No extension to any deadline referred

to in this document will be granted on the basis or grounds that the Bank has

not responded to the clarification sought.

5.7 Amendment to Tender Document.

Amendment in any of the terms and conditions including technical specification of

this tender document will be notified in writing either through post or by Fax or by e-

mail to all prospective bidders who have purchased the RFP document and will be

binding on them.

5.8 Withdrawal of Bid Proposal.

No bid proposal will be withdrawn subsequent to deadline for the submission of bids.


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5.9 Earnest Money Refund.

Earnest money will be refunded to the authorized representative of the bidder against

proper receipt in the following manner:

i ) To the bidders who fail to qualify the pre-qualification bid within 2 weeks of

short-listing of qualified bidders.

ii ) To the bidders who fail to qualify in the Technical bid within 2 weeks after

completion of evaluation of technical bid.

iii ) To the bidders who qualify the technical bid but are not selected in the

Commercial Bid within 2 weeks after signing of contract agreement between

the successful bidder and the Bank.

5.10 Site Visit.

Bidders desirous of making site visits to such offices and facilities of clients are

required to submit request for the same to the Bank at least 10 (ten) working days

ahead of the intended visit. The cost of the visit will be borne by the bidder

themselves. The Bank is not liable to provide any facility to bidder(s) for such visits.

5.11 Warranty.

i ) The vendor will also be responsible to provide comprehensive onsite

warranty for application software and hardware for a minimum period of

three years (enclosed format as Annexure-VIII).

ii ) The application software warranty shall be deemed to commence from the

date of successful completion and acceptance of the final acceptance test by

the technical committee of the Bank.

iii ) During warranty period the vendor will provide full technical support in

configuration/setup, problem solution etc.

iv ) After the warranty period is over successfully, the vendor shall provide

Annual Maintenance of the application software at the price quoted

separately in the tender document or at the negotiated price. A separate

Annual Maintenance Contract Agreement for the application software

between the vendor and the Bank will have to be made by the vendor.

v ) After the warranty period Annual Maintenance Contract for the hardware

components (with spares) will be either awarded to the vendor at the rates

negotiated at the time of award of the contract or may be given to the third

party at the option of the client.


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vi ) Vendor should have satisfactory arrangement to receive complaints during

the period of warranty as well as the Annual Maintenance Contract, as the

case may be, which includes on-line complaint receiving system by

creating a web-enabled system running on our WAN. Vendor shall record

each and every complaint received verbally, telephonically, through e-mail,

web-enabled system, and action taken thereof in a log book / soft form to

be maintained at a location to be decided in consultation with the Bank.

The Bank can verify the said register at any point of time / interval.

vii ) The vendor will do preventive maintenance of all IT equipments /

components supplied under this RFP, application software and Database

along with operating system, once in every quarter so as to ensure smooth

functioning of the system. The vendor will have to strictly adhere to the

schedule submitted.

viii ) During the period of warranty / Annual Maintenance Contract, as the case

may be, the vendor will attend / rectify the defects at all the sites within 24

hours from the time / date the complaints are reported to the vendor or its

representatives. If the vendor does not attend / rectify the defects /

problems, the Bank at its own discretion will have the right to arrange

repairs / replacement at the cost and risk of the vendor. At the end of the

warranty period, the warranty will be extended for duration equivalent to

the total time during which the system remains out of order.

5.12 Proprietary / Patent rights.

The bidder/ supplier shall indemnify the Bank against all third party claims of

infringement of patent, copyright, trade mark, license or industrial design rights and

other intellectual property rights, software piracy arising from the use of goods or any

part thereof in India.

5.13 Validity of the Bid:

The Bid shall remain valid for a period of 180 days of opening of the Commercial

Bid.

5.14 Right to Accept or Reject any Bid.

The Bank reserves the right to accept any bid or to cancel the tender process and

reject any or all bids at any time without assigning any reason prior to award of

contract without thereby incurring any liability to the affected bidder or bidders or


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any obligation to inform the affected bidder or bidders of the grounds of cancellation

and or rejection of tenders.

5.15 Discretion to Procure or not to Procure Some Items

Although in the commercial evaluation various software modules/hardware items/

other services will be evaluated, BANK reserves its rights to purchase/not purchase

some items or procure with modified specifications at its own discretion.

5.16 Additional Information / Clarification.

The Bank reserves the right to ask for any additional information, as it may deem

necessary, to evaluate the bid proposal. Bidders that fail to submit additional

information or clarification as sought by the Bank within one (1) week of the receipt

of Bank's letter requesting such additional information and /or clarification, their bids

will be evaluated based on the information furnished along with the bid proposal.


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SECTION 6 : TERMS AND CONDITIONS OF CONTRACT

6.1 Use of Tender Documents and Other Information

6.1.1 Bidders shall not, without the written consent of the Bank, disclose the

contract agreement, or any provision thereof, or any specification, pattern or

any provision thereof, sample or information furnished by or on behalf of

Bank to any person other than a person employed by the Bank in the

performance of the contract agreement and the scope of work.

6.1.2 Bidder shall not, without the Bank's prior written consent make use of any

document or any information specified in the RFP document, except for the

purpose of performing the contract agreement and the scope of work.

6.1.3 Any document other than the contract agreement shall remain the property of

the Bank.

6.1.4 On acceptance of a successful Bid and issuance of the Letter of intent or

Order by the Bank the concerned successful Bidder shall, within a week from

the date of receipt of the letter of intent or Order, furnish his unequivocal and

unambiguous acceptance of the Letter of Intent reiterating its unequivocal

and unambiguous acceptance of all the terms and conditions of the contract

including the mutually agreed changes to which all provisions of the contract

shall mutatis mutandis

6.1.5 On successful acceptance of the Letter of Intent or Order issued by the Bank,

the Bidder shall thereafter be designed as “Vendor” as per the terms and

conditions of the Contract and the Vendor shall be required to execute an

agreement and deposit 10 percent of the value of the project cost as the

Security Deposit or in lieu thereof shall furnish Bank Guarantee for

equivalent sum in the form to be annexed with the Letter of Intent or Order to

be issued by the Bank and such Security Deposit by way of cash shall be held

by the Bank[ free of any interest] or the Bank Guarantee shall remain valid

till the expiry of the Warranty period of the contract including any extended

period as may be granted by the Bank in accordance with the contract and the

Earnest Money furnished by the Vendor as the Bidder herein shall be released

by the Bank on receipt of the Security Deposit from the Vendor as above.

6.1.6 The acceptance of the Letter of Intent or the Order by the Bidder shall be

considered complete only after the agreement is executed and the Security

Deposit id furnished by the Bidder within a fortnight from the date on which

the said letter of acceptance is received by the Bank or else it will be deemed


Page: 35 of 49

that the Bidder has withdrawn its acceptance and the Bank without any

further reference to him shall forfeit the earnest money deposited or shall

invoke the Bank Guarantee as the case may be and shall be entitled to

consider any other Bid or issue fresh RFP at the absolute discretion of the

Bank.

6.2 Change in the Minimum Specified Work

6.2.1 The Bank may at any time by written notice to the vendor make changes in

the minimum specified work.

6.2.2 The vendor shall not perform changes in the minimum specified work until

the Bank gives permission for such change in writing on the basis of estimate

provided by the vendor.

6.2.3 Mutually agreed change in the minimum specified work shall constitute as

part of the contract agreement and all the provisions of contract agreement

shall apply on the said change.

6.2.4 In the event of withdrawal or discontinuance of any item or items and

consequent ceasing of or reduction in demand, the vendor shall not be

entitled to any compensation. The Bank will, however, make all reasonable

endeavors to give warning of any impending complete withdrawal or of nay

reduction seriously affecting quantities likely to be required under contract.

6.3 Changes in the Contract Agreement.

Except the changes as mentioned in section 6.2 above no modification of the terms

and conditions of the contract agreement shall be made except by written

amendments signed by both the vendor and the Bank.

6.4 Delivery Period.

6.4.1 The vendor will appoint Project Manger and submit bio data of other

members to the Bank within three weeks of the project sign off.

6.4.2 Unless otherwise specified, Hardware items must be delivered at destination

within 2 months from the date of placement of purchase / work order or from

the date of signing of contract agreement whichever is earlier. The delivery of

the equipment shall be deemed to be complete on the receipt of delivery

challan duly signed by indenting officer of the Bank.

6.4.3 The complete delivery of Package customized to Bank’s requirement will not

take more than 3 months of project sign off.


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6.4.4 The installation shall actually be deemed to have been complete on the date

of installation and approval of acceptance test at a particular site as

mentioned at part (i) of section 6.13

6.4.5 If the vendor fails to deliver any consignment with the delivery period

prescribed above that delayed consignment will be subject to 2% of the

penalty per month per site which will be recoverable from Bank

guarantee/Earnest Money not exceeding 10% of the value of Solution.

However, this will be subject to the following conditions: -

a) No recovery of penalty will be made if the Bank accepts the delayed

supply by extending that delivery period up to one month by recording in

writing that exceptional circumstances were beyond the control of vendor

& there was no loss to the client.

b) Where the delay on the part of the vendor is more than 2 months, the

matter of extension of delivery period will be referred to the project

implementation committee (PIC) constituted by the Board with a

certificate that there are genuine reasons for the delay on the part of

vendor and that no loss will result to the Bank in case extension of

delivery period is allowed. In case the delivery period is extended, no

penalty for supplies made during the extended period shall be recovered

from the vendor.

c) On the failure of the vendor to make supply within the extended period,

the Bank can effect Risk purchase. The said purchase will be made at the

cost of the vendor by the Bank by inviting short term quotation from the

vendors and the purchases will be performed. The excess cost will be

recovered from the vendor from his pending Bills or the earnest money or

Bank guarantee or through court of law. This procedure will be adopted

after serving a registered notice to the vendor to seek explanation up to

the satisfaction of the Bank within 15 days and if the vendor fails to reply

or is unable to explain up to the satisfaction of the Bank.

d) The delay in execution in the performance of delivery of supply of items

by the vendor in the prescribed period may render him liable to any or all

of the following penalties: -

• The penalty as mentioned at 6.4.5 above


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• Forfeiture of earnest money and/or revoking of performance Bank

guarantee

• Imposition of liquidated damage and termination of contract

• The vendor may be blacklisted for the period of three years for

participating in any tenders released by the Bank

• The Bank may undertake “Risk purchase” as mentioned in sub clause

“c” of clause 6.4.5.

6.5 Warranty Period and Maintenance Services.

The vendor will be responsible for the comprehensive maintenance of all supplied

equipments and related accessories free of charge during the warranty period as

specified at clause No. 5.11 (i) of section 5.

6.6 Responsibility of CBSP vendor.

6.6.1 Technical Support

The vendor has to provide the details of support activities available to the Bank

from its site during the implementation and customization phase and later on

for ongoing post implementation support as well. The support framework must

comprise back-to-back support services from the principal’s end.

6.6.2 Implementation Support.

The vendor should define the degree of responsibility, level of support in the

following area

Description Software support

Installation Onsite loading of application software, testing of database

and initial file sizing

Training Functional and technical training to business & IT staff/

contractors in operating and using the data base and

application software.

Documentation. Systems, operation s and user manuals for each application

license.

Modifications &

interfaces with

other software

Provide design, development & testing of custom

modifications as needed. Also support custom modifications

in all future releases.


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packages.

Testing

(acceptance &

performance)

Provide onsite functional and technical support for

acceptance testing and performance testing under load

conditions.

Conversion. Loading system tables, developing conversion programmers

and interfacing with the existing and proposed banking

solution, data conversion, data entry & technical support.

Initial

operations.

Enhance onsite support for at least 7 days & telephonic

support.

6.6.3 On-going post Implementation Support.

The Table presented below is indicative of the level of support expected. It may

be used as a base and be fine-tuned to describe the kind of support, the vendor

can offer for each of the WBSCB locations. The vendor must have the

capability to provide single and multi point support at WBSCB branches, if

required.

The bidders, in their proposal, must state their ability for compliance with the

following levels of support desired by the Bank or propose comparable

alternatives, if any

Support stage Software support ( application software)

Availability Full support: 24x7/Monday-Sunday, depending on the

working days at the different branches.

Initial response. Immediate telephonic response & support for usage

related and other minor problems. Dial-in-support for

corruptions, handling, minor bug fix etc. Onsite support

within 12 hours for major problems and immediate

support in case of emergency

Major repair Immediate onsite support for data base recovery & data

synchronization after crash, performance tuning etc, Bug

fix or update within 36 hours for all critical functions.

Guaranteed

operations

Vendor will provide all technical support necessary to

meet all critical processing cycles,


Page: 39 of 49

Training. Follow up training for major changes in system releases.

Software &

documentations.

As part of ongoing support, automatically upgrade the

system on any new releases and provide any updates of

technical & fictional manuals.

Post

implementation

Indicate the type of post implementation support that will

be provided. [Does the vendor provide any onsite vendor

personnel support (full time)? If so, for what period?

Please provide the details of the cost for this as a

separate section in the commercial bid].

6.6.4 Escalation Mechanisms.

In case of system related problems, an effective technical support shall be

available with problem escalation mechanisms to resolve the same at the

earliest.

6.6.5 Programme Management.

The vendor is required to adhere to the following criteria for programme

management:

i) Team Formation:

A project Management team will be constituted to take complete charge of

the CBS implementation and customization. A team for addressing all

escalations shall also be formed.

ii) Skills.

Implementation Engineers and WBSCB system officers will be trained on

the required software and methodologies to obtain an operational expertise

on the products recommended by the design document.

iii) Project Plan Review.

The project plan will be reviewed with the WBSCB team. Revisions, if

any, would be incorporated and a sign off would be obtained. Review

mechanism schedules will be discussed and finalized.

iv) Pre- executions.

A comprehensive architectural design of the solution should be made with

detail network diagrams. The diagram will clearly detail the connectivity of

each components of the system to others. Configuration sheets will be


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made for each component of the system. They would contain detail of each

and every requirement for the sites. Check list will be prepared for each

site. The implementation team will strictly follow the checklist and

install/configure the hardware / software accordingly.

v) Installation.

The software related to the solution will be unpacked and all the items will

be physically verified as per the purchase order. An inventory list of all the

software will be made and any discrepancy will be brought to the

immediate notice of the vendor for replacement or take appropriate action.

The procedure as to how the implementation of the system would be

carried out has to be detailed out here.

vi) Training.

Training to be imparted to the concerned system officers and the concerned

support staff who would be assisting the implementation at the sites and

responsible for the day-to-day operations. The training will have to be

conducted as per Section 3.11

vii) Review mechanism.

A co-ordination committee will be formed with the Project Executive of the

vendor, the Project Manager of the vendor and the Project implementation

Team of the Bank to monitor the progress of the project on a monthly basis.

The said co-ordination committee will give strategic direction and take

decisions during implementation.

A working committee comprising Project Manager of the vendor and

Project Manager of the Bank will review the project on weekly basis to sort

out issues in the implementation. This is in addition to regular meetings

between the various teams involved in the project execution.

viii) Vendor’s responsibility.

The selected vendor will be responsible for successful implementation of

the solution. This would include the following key activities:

(a) Installation of the proposed solution components.

(b) Design and development of the solution modifications as indicated in

the response parameterization and customization (including interfaces

with Bank’s Core Banking Application solution).


Page: 41 of 49

(c) Initial testing of the software systems solution.

(d) Migration/ creation of master and transaction files.

(e) Manual data entry and conversion of data to proposed core banking

solution and migration.

(f) Training of users /operators

(g) Supporting to the software systems to correct errors

(h) Implementation of future software enhancements including updation to

documentations & follow up training

(i) Minor modifications/Addition/Alternation to the Software, which may

emerge during implementation / roll out, shall be carried out at no extra

cost to the Bank.

(j) The documentation shall be handed over to the Bank on installation of

each software and after any change in them. The intellectual property

right shall vest to the Bank

(k) The vendor shall maintain the infrastructure for implementation and

operation of the project and allied services except for the already

existing hardware and network equipments already installed

(l) The vendor shall install and commission the leased line and allied

equipment at both ends that is at the Bank and at the site of the leased

line provider.

(m) The vendor shall handle all the technical and implementation matters

associated with the leased lines on behalf of the Bank and with the

WAN service provider.

(n) The vendor will design & deliver to the client the panel diagram & blue

print of networking for each site

(o) To lay down the complete data cabling up to each point and the power

cabling up to and from the UPS to the Point near to each equipments

(p) Installation, configuration, maintenance and up gradation of all

required software like operating systems, data-base, Systems software,

application software, antivirus, firewall etc till the warranty period or

the period of project management, whichever is later. All the upgrades

to the software should be supplied to the BANK along with the

compact disc media containing the same during this period.

(q) To provide certification from OEM of all active & passive components

of networking equipments that they will not become obsolete within at

least 5 years (mentioned in Annexure VIII) .


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6.7 Responsibility of the Bank

6.7.1 To prepare the site for the installation of the equipment which includes the

provision for required furniture and AC (if required)

6.7.2 To provide adequate electricity point at the site

6.7.3 To provide appropriate environment condition, necessary power facilities for

the systems, access to premises, a secure equipments storage area and

suitable condition for the vendors / workers.

6.8 Price Fall

If at any time the price of items to be supplied by the vendor reduces or the vendor

supplies the identical hardware or equipment at a price lower than the price

chargeable under the contract, the vendor shall forthwith notify such reduction to the

Bank & pass on the benefit of the price reduction to the purchaser from the date of

coming into force of such reduction in prices.

However, if there is escalation in the prices of the Hardware or its accessories after

signing the contract agreement the contract shall not be subject to upwards

modification whatsoever.

6.9 Inspection /Testing of items /Equipments:

6.9.1 An Officer from the Bank or person duly authorized in writing by the Bank

shall have the power to inspect the items including the Server, routers,

modems, switches, UPS etc before / during or after installation to reject the

same or any part /portion if he / they are not satisfied that the same is not at

par or according to the specification submitted by the vendor. The hardware

equipment shall be put into operational condition as well as burning test for

minimum period 72 hours will be conducted with satisfaction.

6.9.2 The vendor shall neither claim nor will be entitled to payment for any

damage or harm that it may suffer due to rejection of supplies.

6.9.3 The bank shall have no liability whatsoever for rejected items and the same

will be at the vendor’s risk

6.9.4 Rejected supplies shall be removed by the vendor at his own expanses within

10 days after notice has been issued to him of such rejection and failing such

removal of rejected goods it will be of vendor’s risk & the vendor may be

charged the market rent for the space occupied by such rejected goods

6.10 Invoicing.


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6.10.1 With every dispatch of goods or materials under the contract, the vendor will

prepare invoices in duplicate.

6.10.2 Delivery challan, in duplicate, are to be sent by the vendor to the respective

site. The invoice along with the delivery challan duly signed by the respective

Branch Manager/ IT officer should be submitted to the Computer Department

of the Head Office of the Bank.

6.11 Condition of the item supplied.

6.11.1 This is subject to the condition that the materials are securely packed by the

vendors in sound containers and the carriers accept the consignment without

any adverse remarks as to the packing or the condition of the containers etc

and that the materials reach respective sites in sound and sealed conditions of

the container with original packing visually discernible by the receiving

Branch manager/ IT officer and the said officer will sign the Challan with the

legend “Received in sealed / unsealed container with original/ broken

packing. Contents not verified”. [The words not applicable shall be clearly

stricken off with initial of the receiving officer]. In case of any adverse

remarks the responsibility for the losses in transit will rest with the vendor.

6.11.2 The vendor will not be entitled to charge or be paid for the supplies which are

broken / lost or damaged in transit. The vendor at his own expenses shall

remove such supplies. The decision in this regard taken by the Bank shall be

binding and final.

6.12 Acceptance Test for Hardware.

A testing committee of the officials from the Bank as constituted or to be constituted

by the Bank and duly authorized by the Bank will perform acceptance test for

hardware at each site after the containers of the materials are opened by the Vendor’s

representative(s) in presence of the officials receiving the container and only the

materials received in good condition are installed by the Vendor. In any case, if the

quality and the quantity of the items supplied by the vendor at one or all the locations

are found un-acceptable, the vendor shall be held responsible for covering up the loss

in terms of both quantity as well as quality. All the hardware related payments to the

vendor as per the payment schedule mentioned in section 6.14 would be made after

successful clearance of the following acceptance test.

(a.) All hardware items must be installed at the particular site as per the instruction.


Page: 44 of 49

(b.) All the required system software must be installed in the respective system/s

properly.

(c.) The Brand, model number, specification and the quantity of all the supplied and

installed hardware items must match with respect to the list and particulars of

the items to be supplied for that unit.

(d.) The vendor can be asked to demonstrate all the features / facilities mentioned

offered by the Vendor and specified in the work-order.

(e.) All the installed hardware should be working properly.

6.13 Acceptance Test for Software.

All the software related payments to the vendor as per the payment schedule

mentioned at Section 6.14.would be made after successful conduction of the

following tests:

(a) All the required reports in the approved format of the software requirement

specifications and further discussed changes must be working properly.

(b) Data in all packages from all the locations must be updated in the centralized

database as per the requirements.

(c) The vendor shall conduct the test and provide the test reports of all the software

modules. The test should include unit testing, system testing and pressure/stress

testing of each module of the software, The Bank reserves the right to conduct

the test / verify the results by a third party/ agency at the cost of the vendor.

(d) Documentations including user manuals of all the modules should be handed

over to the Bank and the same will be the property of the Bank.

6.14 Payment Schedule.

The payment will be released strictly as per the following schedule:

(a) FOR HARDWARE AND OTHER PERIPHERALS.

i) 50% of the total order value of the Hardware / Peripherals will be paid after delivery of the hardware at particular site and duly received and inspected by the authorized officer of the bank. The hardware should be supplied in sealed and unbroken / undamaged containers / packages.

ii) Balance 30% of Hardware / Peripherals value will be paid after successful installation at particular site and satisfactory installation of the CBS application software on such hardware.

iii) Balance 20 % after 45 days of successful on line operation of the core banking solution.


Page: 45 of 49

(b) FOR APPLICATION SOFTWARE:

i) 15% of the contract amount on User Acceptance Test (UAT) Signoff ii) 10% of the contract amount on completion of User Training iii) 30% of the contract amount on satisfied implementation of customization

requirements. iv) 20% of the contract amount on completion of 3 months from UAT Signoff v) 20% of the contract amount on completion of 6 months from UAT signoff vi) 5% of the contract amount after delivery of Source code to Bank in the

escrow mechanism.

All payments will be made after deduction of taxes as may be applicable.

(c) For RDBMS & Operating system:

i) 60% after delivery of the RDMBS & Operating system (in media) along with the Valid / Original License in the name of the Bank.

ii) 30% after successful installation in the hardware. iii) Balance 10% after 21 days of the successful online operation of the CBS

application software. 6.15 Refund of Security Deposit.

The security deposit of 10% of the total project cost or the Bank Guarantee in lieu

thereof furnished by the selected Vendor on acceptance of the Letter of Intent or Order issued by the Bank shall be released after completion of the contracted work and expiry of the Warranty Period.

6.16 Change in Company Structure.

Any change in the constitution of the Company or its Board in any manner during the period of continuance of the contract and the warranty shall not change the liabilities of the Company so reconstituted under this contract and the Company or its successor shall be liable to discharge the existing liabilities under the contract to the fullest extent and any failure with regard thereto shall be treated as violation of the terms and conditions with legal consequences thereof.

6.17 Compliance with Laws / Permits:

The successful vendor shall comply with all local, state and federal rules, regulations, audience codes, and laws relating to the work of the conduct thereof and shall secure and pay for any permits and licenses necessary for the execution of the work and the Bank shall in no way be responsible for any default or latches on the part of the Vendor to comply with any such law as applicable.

6.18 Forfeiture of Earnest Money.

6.18.1 If the Vendor fails to comply with any of the terms and conditions or of the

requirement of the contract in the technical specification for hardware and


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system software requirement as indicated in the “Detailed Scope of Work” of

the RFP document, the Security Deposit deposited by the vendor will be

forfeited.

6.18.2 In case vendor fails to comply with the delivery period in the section 3.21 of

“detailed scope of work” the earnest money deposited will be forfeited.

6.18.3 If the bidder withdraws his bid before the expiry of the validity or after the

acceptance of the bid but before he deposits the “Security Deposit” the earnest

money deposited will be forfeited.

6.19 Termination of the Contract

6.19.1 In the event of the Vendor failing to fulfill properly the contract or committing

breach of any of the terms and conditions of this contract or repeatedly

supplying goods liable for rejection hereunder or failing, declining, neglecting,

delaying to comply with any demand or requisition or otherwise not executing

the same in accordance with terms of contract or not achieving the milestones

mentioned in the “Detailed Scope of Work”, the contract will be terminated.

6.19.2 If the vendor or any of his partners becomes insolvent or applies for relief as

insolvent debtor or any insolvency proceeding is commenced or makes any

compromise with his/ their creditors or attempts to do so, then without

prejudice to any of its rights under this contract and the WBSCB shall be

entitled to terminate this contract forthwith and to black list the bidder and may

lodge its claim back all or any part of the money already paid to the Vendor

without prejudice to any other action that the Bank may take in accordance with

law.

6.19.3 The termination of this contract in whole or part under any conditions shall not

be affected by the acceptance, meanwhile or subsequently, of supplies accepted

or made at any station whether due to ignorance of the termination or otherwise

6.19.4 On termination of this contract for whatsoever reason, notwithstanding

forfeiture of the Security Deposit by the Bank, the Vendor shall be liable to pay

liquidated damages for the loss suffered by the Bank.

6.20 Consequences of Termination.

6.20.1 Upon termination, the vendor shall deliver or cause to be delivered all works

carried out for and account of Bank and all the data and records required from

or an account of the Bank


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6.20.2 Termination of the contract agreement shall not affect any continuing

obligation of the vendor under the contract agreement which either expressly or

necessarily implication, are to survived its expiry or termination such as

confidentiality, obligation.

6.20.3 Upon termination of the contract agreement for any reason, whatsoever, the

vendor shall return to the Bank any and all confidential information and any

other property of the Bank in a sealed envelope addressed to the Managing

Director of the Bank.

6.20.4 Bank may procure services and deliverables remaining undelivered on such

terms and in such manners, as it deems appropriate, at the risk and

responsibility of the vendor & the vendor shall be liable for any additional cost

for such services.

6.20.5 The vendor will continue the performance of the contract agreement to the

extent not terminated

6.20.6 Upon termination of the contract agreement for what-so-ever reasons bank shall

have right to impose the following penalties

(a) Forfeiture of Security Deposit. (b) Imposition of liquidated damages (c) Blacklisting of the vendor

6.21 Unavoidable Circumstances

If the vendor is prevented from performing any of its services under the contract agreement due to causes such as fire, acts of God, or elements not in its control or embargo imposed by the Government, the vendor shall be excused from non performance of its obligations during the period such cause continuing to exists. But, if such causes continue to exist and prevent performance by the vendor of its obligations for more than 60 days, the Bank may terminate the contract agreement in whole or part thereof after issuing a written notice to the vendor. Upon termination of the contract of the agreement under this section, the provision regarding consequences of termination set out in clause 6.20 of this section shall apply.

6.22 Insurance of the items

Vendor will be solely responsible for arranging the safe & intent delivery of the hardware to the destination of the client as mentioned in detailed score of work. The vendor will arrange fire & allied risk insurance including earth quake risk , flood damage , riot and arson and theft in the name of Bank .For safety of the hardware stored , the vendor will also arrange insurance of the same against the risks of burglary , house breaking and theft in the name of the Bank. All the insurances will be for one year and shall start from the date of first delivery at respective sites.

6.23 Escrow Mechanism


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The Bank and the Bidder shall agree for an escrow mechanism, at any point of time, for the deposit of the source code for the CBS product supplied by the Bidder to the Bank in order to protect its interests in an eventual situation. As a part of the escrow arrangement, the finally selected Bidder is also expected to provide a detailed code documentation of the CBS solution, which has been duly reviewed by an external independent organisation. Cost of escrow arrangement will be considered separately during the award of contract.

6.24 Arbitration.

In case of any dispute arsing in connection with or arising out of this contract either with regard to interpretation of any of the clauses or part thereof or with regard to the rights and liabilities of any of the parties to this contract, to the extent possible shall be resolved through negotiations and discussions and in the event of failure of such negotiations the same shall be decided with the Court of law of competent jurisdiction in Kolkata.

6.25 Acquaintance with all conditions.

The bidder acknowledges that he has made himself fully acquainted with all the conditions and circumstances under which the supplies / deliverables required under the contract will have to be made /delivered and furnished & with all terms, clauses, conditions specifications and other details of the contract. The bidder shall not plead ignorance of any of those as excuse in case of complaint against or on rejection of supplies tendered by him or with a view either to asking for enhancement of any rates agreed to in the contract or to evading any of his obligations under the contract.

6.26 Commercial Terms & Conditions.

6.26.1 Rate Quoted

Bidder shall quote FIRM price as per format to be specified by the Bank. All prices, terms, warranties and benefits granted by the Bidder are comparable with equivalent terms offered by the Bidder or to any other private or public entity purchasing the above items of same Quality and quantity. If after acceptance of the Bid by the Bank and issue of Letter of Intent and or compliance of all the prerequisites as per this agreement, the Bidder becomes the designated SP and the Banks become aware that the vendor offers greater benefits to any other entity, those benefits will be available to the Bank upon their effective date. Failure to do so will constitute a breach under this contract.

6.26.2 Agreement.

The successful bidder shall execute an agreement for the fulfilment of the contract on the stamped paper of the required value to the satisfaction of the Bank within 15 days from the date of acceptance by the vendor.

6.26.3 Liquidated Damage.

If the vendor fails to complete all the phases in full within the stipulated period, a sum of 1% of the contract value will be levied as liquidity damage for each completed week of delay. The liquidity damage shall not exceed


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10% of the contract value. Besides, such non-performance may entail black listing of the vendor.

6.26.4 Termination of the contract.

The Bank may, with seven days prior notice of default to the vendor, terminate the whole or any part of this contract if the vendor fails to perform the services within the time frame stipulated by the Bank in the contract.

6.26.5 Confidential Information.

The vendor at all times will have to keep secret and treat confidentiality of all confidential information of the Bank including trade secrets pertaining to business operations and financial information.

6.26.6 Advice to Bidders

The Bidders are requested to study to broad evaluation criteria & prepare the presentation covering the specific points on which the bids are proposed to marks. The Bill of materials provided by User Bank is indicative and minimum required specifications & quantity only .The Bidders are requested to study the system & form composite bill of materials and quote accordingly. In the events any extra materials /software than those quoted is needed to complete performance, the bidder will have to supply & install those free of charges. Bidder should plan & submit the planned manpower deployment schedules for particular project. The qualifications to be deputed exclusively for this project should be clearly mentioned. Also the minimum no of persons to be deployed at various position & location should be located / mentioned.

6.26.7 Declaration by the Bidder

Declaration is to be made by Bidder in respect of acceptance of the

terms and conditions as laid down by the bank as per Annexure-IX.

6.27 Revision/Modification of RFP

6.27.1 The Bank may revise any part of the RFP, by providing a written

addendum/corrigendum to all the vendors at any stage till the award

of the contract.

6.27.2 The Bank also reserves the right to extend the dates for submission

of responses to this document.

DISCLAIMER: THE BANK DOES NOT BIND ITSELF TO ACCEPT THE LOWEST BID NOR TO ACCEPT ANY OF THE BIDS RECEIVED AND THE BANK RESERVES THE RIGHT TO REJECT ALL OR ANY OF THE BIDS WITHOUT ASSIGNING ANY REASON WHATSOEVER.

--------------------------------- The End of Main RFP Document -------------------------------------------

Sl No. Eligibility Criterion

Amount (in Rs. Crore), wherever

requiredYes/ No Proof

Submitted?

1Existence of the Bidding Firm for the last 5 years?Last 3 Year’s Balance Sheet Submitted?

2006-072007-082008-09

(if the balance sheet is provisional the CFO should certify it under the company's seal) Net Profit Earned by SI in-

2006-072007-082008-09

Annual Turnover of SI for2006-072007-082008-09

Annual Turnover of the Application Software Partner of the Bidding Firm in

2006-072007-082008-09

6Does the Applciation Software Partner of the Bidding Firm posses SEI-CMMi Level 5 Certification

7

Aggregate Number of Branches of Scheduled Banks/Commercial Banks/Nationalized Banks/Co-op Banks where Core Banking Solution has been successfully implemented and running for last 2 (two) years

8Number of Technically Qualified Staff of the Bidding Firm.

9Whether the SI has an office in Kolkata or not?

10 Has the Bidding Firm submitted-

5

2

3

Proforma for Evaluation of Pre-Qualification Bid

Annexure-I(A)

4

Sl No. Eligibility Criterion

Amount (in Rs. Crore), wherever

requiredYes/ No Proof

Submitted?

Certificate of RegistrationRegistration under Labour LawsSales Tax Registration CertificateVAT Registration CertificateCertificate of Solvency

11Whether the IT resource OEM firm are ISO:9001/ISO:14001?

12The bidder company must be authorized dealer/ distributor/ service provider of the of the resource OEM firm.

13Are all the members of the consortium provides Information Technology Service?

14Has the Bidding Firm submitted proof of Service Facilities for Software Support and Maintenane of Hardware Components?

15Has the Bidding Firm submitted a valid agreement amongst the other partners?

16Is the CBS Application Software CISA Certified?

17Has the Bidding Firm submitted Earnest Money Deposit (EMD) or Bank Guarantee ?

18Has the Bidder Firm Deposited the Cost of the RFP?

Sl. No. Item1 Name of the Company2 Registered Office of the Company3 Local Address of the Compnay (Kolkata)4 Year of Incorporation of the Company5 If it is a consortium, Name of the Firms

6 Contact Person-NameTelephone NumberMobile NumberFax NumberEmail

7 Income Tax/ PAN Details of the Company / all the Companies in the Consortium

8 Copy of IT Return for last three years

9

Sl no Name of the Bank Address of the Bank Contact Person

Contact no. of the Contact Person

No. of Branches

123456

Date: Authorised Signatory(Company Seal)

Annexure- I(B)

Brief Profile of the Bidder

We hereby submit that the information submitted above is complete in all respect and true to the best of our knowledge. We understand that in case any discrepancy or inconsistency or incompleteness is found out in the information submitted by us, our bid is likely to be rejected.

DECLARATION.

Details of the CBS implemented by the Bidding Company

4)5)

1)2)3)

Particulars / Details

Page 1 of 1

Chassis Rack-mountableArchitecture Modular router Processor high end risc processor to support minimum 70 Kpps

(64 byte/ packet) through put

DRAM capacity (installed /Max) 256MB /384 MBFlash memory(installed /Max) 64MB/128MBModular slots for WAN access Two or more Ethernet ports Two 10/100 USB ports One Console port One-up to 115.2 kbpsAuxiliary port One-up to 115.2 kbpsWAN interface 2PORT Serial V.35 with support for n*64kbpsIntegrated hardware-based encryption Yes

Encryption support in software and hardware by default

DES, 3DES, AES 128, AES 192, AES 256

AC input voltage 100 to 240 VAC/50 to 60 Hz

Operating temperature 32 to 104°F (0 to 40°C)Operating humidity 10 to 85% noncondensing operating; 5 to 95%

noncondensing, nonoperatingRegulatory Compliance Router must have relevant international compliance

certification for Safety, EMI etc vendor to specify

Annexure - II

BRANCH ROUTER - DETAILED TECHNICAL SPEC

Environmental

Chassis Rack-mountable single box configurationArchitecture Modular router with at least 2 free slots for future use

Processor high end risc processor to support minimum 500 Kpps (64 byte/ packet) through put

DRAM capacity (installed /Max) 512MB /1GBFlash memory(installed /Max) 64MB/512MBModular slots for WAN access Two or more Ethernet ports Two 10/100/1000 USB ports One Console port One-up to 115.2 kbpsAuxiliary port One-up to 115.2 kbpsWAN interface

Should have atleast 2 no. of Channelised E1, 2 no. of ISDN PRI ports 2nos Serial WAN interface upto 2Mbps

Data Link Protocol: Ethernet, Fast Ethernet, Gigabit EthernetNetwork / Transport Protocol: IPSecRemote Management Protocol: SNMP 3

Integrated hardware-based encryption Yes

Encryption support in software and hardware by default

DES, 3DES, AES 128, AES 192, AES 256

Power supply (Internal) Should have Redundant Power SupplyAC input voltage 100 to 240 VAC/50 to 60 Hzadditional features 1.Support for Application Optimization Module

2. Support for Network Analysis Module 3. Support for Intrusion Detection Module

Operating temperature 0 to 40°COperating humidity 10 to 85% noncondensing operating; 5 to 95%

noncondensing, nonoperatingRegulatory Compliance Router must have relevant international compliance

certification for Safety, EMI etc vendor to specify

Environmental

CENTRAL ROUTER - DETAILED TECHNICAL SPEC

General FeaturesThe Switch should be modular multilayer switch

12 ports of wire-speed 10/100/1000 802.3 portsThe Switch should also have 48 x 10/100 Fast Ethernet portsThe Switch chassis should have at least 2 additional slots free for future expansion

PerformanceMin 64 Gbps nonblocking switch fabric

Unicast and multicast routing entries: Min 30,000MAC addresses: Min 30,000

VLANs: Min 2048 active VLANs

Hardware-based ACLs

ArchitectureSDRAM: Min 256 MBOnboard Flash memory: Min 32 MBStartup configuration: onboard Flash memoryCPU Min 266 MHz

Quality of ServicePer-port quality of service (QoS) configurationSupport for four queues per port in hardwareStrict priority queuing

Security

Trusted BoundarySecure Shell (SSH) Protocol versions 1 and 2Dynamic Address Resolution Protocol (ARP) inspection

CORE Switch

Dual Hot-swappable power supplies, a hot-swappable fan tray with redundant fans, and hot-swappable line cards.

Per-VLAN Spanning Tree (PVST+), and Per-VLAN Rapid Spanning Tree Protocol (PVRST)

TACACS+ and RADIUS, which allow centralized control of the switch and restrict unauthorized users from altering the configuration

Annexure - II

Specification of Storage BOX

RAID Controller :Dual Active-Active, Storage RAID controllers with : 4 FC Host ports and 4 FC device ports with 4GB of cache across controllers

Drives supported with the base controller pair :• Minimum 80 nos. (FC /SATA/FATA)Usable Disk Capacity :• 2 TB usable space after RAID-5 implementation, using 146GB, 4Gbps 15K RPM FC disks• Global Hot Spare disk: Global hot spare drives to be configured such that failure of a drive inany disk array should not result in data loss and global hot spare disk should take the place of thefailed drive.RAID Support :• 0, 1, 3, 5, 6Redundant &/or Hot-Swappable components :• RAID Controllers, Drives, Power SuppliesHot Add features :• Hot-add (non disruptive addition) of Disks & Disk EnclosuresConfiguration Manager Software :• GUI based Management software for total configuration management of the Storage Systemwith unrestricted host license for addition of servers to SAN or disks to the Disk Storage System

Other software provided :Other software to provided for (specify product or feature name):• Remote Management & diagnostics• System health monitoring, alarm reporting & recovery tools• Performance monitoring toolsOS license supported and configured :• Unrestricted Host (Server) & Drive capacity license for proposed Server Operating System

• Support for operating systems & clusters (for Linux, Windows, AIX, HP-UX, Solaris))

Annexure - II

Minimum Technical specifications Server:

• 64 bit CISC/RISC/EPIC processors with 1.6 GHz or above with a minimum of 2 processors upgradeable to 4 processor or higher• Minimum TPC-C Rating of 3,00,000• Processor should be latest series/generation for the server model being quoted• Support for 64bit Linux / UNIX Operating System as applicable, with cluster support • Total Cache to be min 8 MB per processor socket• Minimum 16 GB ECC or equivalent RAM of highest frequency as applicable in the quotedmodel to be offered per processor • Min 4 x 146 GB (or higher) SAS / FC hot plug drives for operating system (10 K / 15 K rpm)for each partition in RAID 0,1,5 and combinations• 4 Ethernet Ports of minimum 10/100/1000 Mbps• Fiber Channel Adapters 2 x minimum 4GBps• SAN HBAs should be connected on separate slots for high throughput requirements• All cards should be on 64 bit PCI-X/PCI-e slots. • 25% of total slots should be free for future expansion. Alternatively, vendors should notconsume more than 75% of available slots in the server.• 1 DVD (preferably RW-DL) Drive ;• Minimum Dual Redundant Power Supply Hot Pluggable• Logical or Physical Partitioning should be supported;• Server should support virtualization• Capable of dynamic movement of resources (CPU/ memory/ adapters) across partitions;• Should be provided with a GUI based management console to take care of the partitionmanagement & configuration;• Necessary software and scripts for automatic cluster failover and load balancing withincluster to be supplied for cluster based solutions.• It should have seamless failover without manual intervention; Management of the OS and thepartitions (if required) in the Servers; A console with color monitor, keyboard and Mouse

• The server should be capable of generating Pre failure Alerts for CPU, Memory, Hard disks,PCI Slots etc and the OEM should provide warranty replacements based on PFA• The servers quoted must conform to all relevant international standards like FCC,UL etc.

• The applicable system software for RDBMS must provide all the administration tools,notification services, Enterprise reporting services, business intelligence, analysis services, andhigh availability and management tools at no additional cost to the government.• The applicable RDBMS must provide full use licenses & should allow hosting of otherapplication on the same system.• The system software must provide perpetual & full use licenses.• The proposed software should preferably be based on open standards.• System Management: Local System Management and Control. It must enable completeaccess, monitoring and control from console. Required hardware and software must be supplied.

• Form Factor: 19” rack mountable with rack mounting accessories

Annexure - II

Specification for Back Up Library• Ultrium4 LTO Library – Rack mountable library with minimum of 2 fiber channel LTO4drives.• Tape cartridges – The library should support minimum of 48 tape cartridges. The library shouldsupport a tleast 3 mail slots.• Operating System support – Should support OS like Windows 2003, Sun Solaris, IBM AIX, HP-UX, Linux.

Annexure - II

Specification for Storage Area Switch• Port density : Should support 24 x 4Gbps FC ports. 8 ports activated with 4Gbps Short-WaveTransceivers• Management : 10/100 Ethernet port (RJ-45• Fiber cable : 4 nos. 5 mtr. LC-LC multimode cable ; 8 nos. 5 mtr. LC-LC multimode cab• Rack support : 19 inch, 1U industry standard rack mount

Major Head Sub head 1 Sub head 2Total

Maximum marks

Quantity / Availability Evaluation Criteria

( a ) ( b ) ( c ) ( d ) ( e ) * ( f )

Bid quality and completeness

Neatness / Completeness 25

Neatness and bid organisation e.g binding, indexing Flagging etc /Statutory document submission (non submission of each document deduct 3

Turn over 50 25 for Minimum Rs 30 crores, 30 for ( >Rs 30 to 50), 40 for ( >Rs 50 to 100), 50 for > Rs. 100 cr.

Qualified Manpower 50 25 marks for Minimum 100 manpower and additional 10

marks for each 50 persons - with Maximum marks at 50

No of Installations 5010 marks for Minimum 100 branches- and additional 10 marks for each 100 branch - with Maximum marks for 500 branch+ at 50

Dedicated team composition 50 Minimum 6 dedicated person (3 dedicated shift person+1

System admin /manager+ 2 networking professional) 200

Software CBS Software 800 As per Annexure no IV ( Software Evaluation Worksheet )

System Design Server deployment 75

Number of server / Power Consumption / Partioning / Virtualisation / Redundancy / Failover / Clustering /Any otherrelated point as deemed fit by the committee

System Design Security architecture 75 Basic security policy formulation / Server Security Hardening

/ Network Security deployment / Encryption150

Adherence to minimum spec and/or exceeding the same gets maximum marks (75). 10 point deduction for each non compliant point**

To set up the Architecture to have the ability to increase the number of concurrent instances to keep the application server parameters below 70% utilisatioin (CPU,Memory etc)

If any disruption occurs,max response time 30 MinThe Backup success rate should be 99.99% Should support online replication to backup site Adherence to minimum spec

Networking Equipment 50 Adhering to Minimum specs. For Non-compliance of specs,

10 marks each to be deducted.150

Supply of OEM NMS

Technical Evaluation Criteria

25

Organisation strength

Sub Total for Hardware

Sub Total for System Design

Sub Total for Organisation strength

Storage Box

Annexure - III (A)

75Servers

Hardware

Page 1 of 3


Maximum marks


( a ) ( b ) ( c ) ( d ) ( e ) * ( f )


Availability of detailed network management methodology description in the bid/presentationNetwork Components should be available for 24 *7 (99.99% uptime)

Ability to integrate & Support data commit at central location & the respective Branch location in real time mode

Plan and provisioning for Bandwidth availability and liasoningwith BW service providerProvision for Load monitoring / CPU utilisation Ability to integrate the Core Banking Application to process a minimum of 25000 transactions/ day with apeak load of 25 transactions per second Fail over / DR planIO utilisation

Provision for OS process monitoring & event synchronisation

Security Policy definitionSystem not to allow concurrent session for the same customerThe System should automatically log out in case of session breakdowns Plan in case of security breachAudit Trail maintenanceAlert generation and handling procedureData migration and integration planSoftware bug fixing and version controlTraining and hand holding

200500

All calls (including electronic mail & faxes ) should be logged

Helpdesk application should issue docket numbers for each logged call & track the issue resolution time Helpdesk application should intimate callers of estimated time of resolution automatically

Sub Total for Management features &

Help Desk

Solution offered

25

Sub Total for Solution offered

Security management 50

Application management 50

Management features & methodology proposed

Server management 50

Network management 50

Page 2 of 3


Maximum marks


( a ) ( b ) ( c ) ( d ) ( e ) * ( f )


Helpdesk application should support definition of identified issues and their remedy for quick resolution of similar problems.

SLA Management methodology 50 Tools for monitoring various performance parameters and

report generation.Total for the Project 1600

* Please put the figures in terms of Quantity for the Major head Organisation strength

* Please explain / provide details separately in respect of Solution Offered / Help Desk / SLA Management methodology in the form of write-ups.

** The bid is liable to be cancelled in the event of any major non compliance as deemed by the committee Also the bidder will have to subsequently supply the devices(server / storage/ networking component etc) compliant to minimum spec with out any price escalation.

Page 3 of 3

Annexure- III(B) (a) Format of Technical Compliance Statement: -

Sl. No

Description Specifications Compliance Remarks

(b) Format of detailed Bill of material :-

Sl. No

Make Part No (whenever applicable )

Description Line item qty Total Qty

(c) Supporting Technical Documentations to be submitted by the SI Bidder :-

Note 1 :-The compliance statement to be prepared in accordance with the detailed specifications as mentioned in the minimum specifications of the Hardware mentioned in Annexure of will the RFP document .Please note that for compliance statement words like “Noted/Agreed” would not be acceptable & would be treated as Non-compliance . Note 2:- Bidder to quote function wise Server & other equipments compliance , clearly mentioning Server ,Model ,Qty for each category . For example database Server ,application Server etc .

Module Minimum Pass marks %

Weightage of the module

( a ) ( b ) ( c )Advances 50% 10Advances- Agri 75% 10AIMAS 30% 3ALM 30% 5Bills 40% 4Clearing 50% 5Customer Information 50% 6Deposits 60% 10Fixed Assets 40% 4Funds and Investments ( Treasury) 50% 8General Ledger 50% 8General Software Requirement 50% 10HO Module 40% 10HR 40% 4Locker 50% 2MIS 50% 10Payroll 40% 4Remittance 40% 5Security 50% 10Share 30% 4

Annexure- IV(B)

Page 1 of 1

Sl. No. Office Address Region / Area Telephone No.1 Head Office 24-A, Waterloo Street,

Kol– 69.Kolkata 2248-0874, 2248-8491/92

2 ACMART FD-Park, Salt lake Poura Bhawan, Salt Lake, Kol-64

Kolkata 2358-0242

3 Barasat R.O. Barasat, R.B.C. Road, (Near Barasat Court), 24 pgs(N)

North 24 Parganas 2552-3232

4 Diamond Harbour R.O. (Near Diamond Harbour Municipality, 24 Pgs. (S).

South 24 Parganas 03174-255218

5 Coochbehar R.O. Biswasingha Road, (Near B.D. Hotel), P.O. & Dist.-Coochbehar

Coochbehar 03582-223010

6 Kolkata Main Branch 24-A, Waterloo Street, Kol– 69.


7 Bhowanipur Branch 28-A, S.P. Mukherjee Road, Kol- 25.

Kolkata 2455-1199

8 Shyambazar Branch 15/2B, Balaram Ghosh Street, Kol– 4

Kolkata 2555-6588

9 Behala Branch 15, S.N. Roy Road, Kol-38 Kolkata 2478-1373

10 Beliaghata Branch P-52, CIT Scheme, VIP Market, Kol-10.

Kolkata 2320-5108

11 Hatibagan Branch 89, Arabinda Sarani, Kol- 5.

Kolkata 2555-3428

12 Entally Branch 27/1/C, CIT Scheme, LV,Kol – 14

Kolkata 2244-7442

13 Gariahat Branch 2/2A, Nandy Street, Kol-29 Kolkata 2464-3203

14 Golpark Branch 28/3A, Gariahat Road, Kol – 29.

Kolkata 2440-5654

15 New Alipore Branch 23/A, New Alipore, Block-21-C, Kol –53.

Kolkata 2478-6156

16 Chetla Branch Auditorium Block, CIT Market, Kol – 37.

Kolkata 2479-7747

17 Siliguri Day Branch Hill Cart Road, Sarkar Mansion, Distt.-Darjeeling, Pin-734 401.

Darjeeling 0353-2432257

18 Siliguri Evening Branch Hill Cart Road, Sarkar Mansion, Distt.-Darjeeling, Pin-734 401.

Darjeeling 0353-2432237

19 Salt Lake EC Branch EC-Block, Salt Lake, Kol-64 Kolkata 2337-0438

20 Poura Bhawan Branch FD-Park, Salt lake Poura Bhawan, Salt Lake, Kol-65

Kolkata 2321-3724

21 Dum Dum Branch Purba Sinthee, Kadamtala, Kolkata-30

Kolkata 2513-5758

22 Barasat Branch Barasat, R.B.C. Road, (Near Barasat Court), 24 pgs(N)


23 Basirhat Branch Basirhat, 24 Pgs. (N), (Near Basirhat Court).


24 Baduria Branch Baduria, 24 Pgs. (N), (Near Bust Stop).


25 Bongaon Branch Bongaon 24 Pgs. (N),(Near Bongaon Municipality).


Annexure - V

Page 1 of 2

Sl. No. Office Address Region / Area Telephone No.26 Chandpara Branch Chandpara Bazar,24

Pgs(N)North 24 Parganas 03215-250044

27 Habra Branch Habra Station Road, 24 Pgs(N)


28 Amdanga Branch Arkhali, Amdanga B.D.O. Office, 24 Pgs. (N).


29 Barrackpore Branch Barrackpore Municipal Market Complex, 24 Pgs(N )


30 Helencha Branch Near Helencha Bus stop, 24 Pgs(N)


31 Panshila Branch Poura Bazar( Municipal Market), Sodpur, 24 Pgs(N)


32 Kanchrapara Branch Lichubagan, Kanchrapara, 24 Parganas (North)


33 Diamond Harbour Branch (Near Diamond Harbour Municipality, 24 Pgs. (S).


34 Canning Branch P.O.-Canning, (Near Canning Post Office), 24 Pgs. (S)


35 Kakdwip Branch P.O.-Kakdwip, Kakdwip Bazar, (Near Kakdwip Thana), 24 Pgs. (S).


36 Bejoygunj Branch Bejoygung Market, South 24 Parganas


37 Kashinagar Branch (Near Kashinagar Bazar), Kashinagar, 24 Pgs. (S).


38 Amtala Branch Amtala Bust Stand, Amtala, 24 Pgs. (S).


39 Sagar Branch Rudranagar, Sagar, 24 Pgs.(S)


40 Pathar Pratima Branch Pathar Pratima Bazar, Pathar Pratima, 24 Pgs. (S).


41 Bhangar Branch Bhangar, (Near Ghatakpukur Bust Stop.), 24 Pgs. (S).


42 Baruipur Branch (Near Baruipur Railway Station), Baruipur, 24 Pgs.(S)


43 Coochbehar Branch Biswasingha Road, (Near B.D. Hotel), P.O. & Dist.-Coochbehar


44 Alipurduar Branch P.O.- Alipurduar, Dist.-Jalpaiguri

Jalpaiguri 03582-25242

45 Mathabhanga Branch P.O.- Mathanbhanga, Coochbehar 03583-25525846 Dinhata Branch P.O.- Dinhata, (Near

B.D.O. Office), Dist. – Coochbehar


47 Falakata Branch Falakata Bust Stop, (Near Shitala Mandir), P.O.– Falakata,Dist-Coochbehar


48 Toofangunj Branch P.O.-Tufangunj, (Near Tufangunj Fire Service Station), Dist. – Coochbehar


Page 2 of 2

Sl no Name of Branch / Office

No of users

No of Concurrent

users

Average Transactions

per DayRemarks

1 Alipurduar 5 3 6002 Amdanga 3 2 4403 Amtala 3 2 300 NCB (Approx)4 Baduria 3 2 6005 Barasat 6 4 12406 Barrackpore 5 3 12807 Baruipur 5 3 9928 Basirhat 4 2 12009 Behala 5 3 300 NCB (Approx)

10 Bejoygunj 3 2 250 NCB (Approx)11 Beliaghata 5 3 88012 Bhangore 3 2 36113 Bhowanipore 3 2 39614 Bongaon 4 2 72015 Canning 5 3 86716 Chandpara 3 2 52017 Chetla 5 3 51618 Coochbehar 5 3 128019 Diamond Harbour 6 4 123420 Dinhata 5 3 64021 Dum Dum 3 2 35322 Entally 5 3 63323 Falakata 5 3 60024 Gariahat 4 2 250 NCB (Approx)25 Golpark 5 3 60026 Habra 3 2 49327 Hatibagan 5 3 58328 Helencha 3 2 32029 Kakdwip 5 3 101330 Kanchrapara 3 2 14931 Kashinagar 4 2 74632 Kolkata Main Branch 20 10 238133 Mathabhanga 5 3 68034 New Alipore 5 3 60235 Panshila 3 2 48036 Pathar Pratima 4 2 60437 Sagar 3 2 20038 Salt Lake EC Block 3 3 32039 Salt Lake Poura Bhawan 5 3 68940 Shyambazar 5 3 88841 Siliguri Day 4 2 80042 Siliguri Evening 2 2 56043 Toofangunj 5 3 680

Total 195 118 29240

Annexure - VI

Branchwise Number of Users and No of Transactions

* NCB- Non-Computerized Branch, figures are approximate.

ANNEXURE-VII

BANK GUARANTEE IN LIEU OF EARNEST MONEY DEPOSIT (To be submitted in Rs. 50/- non-judicial stamp paper. Stamp paper to be purchased

in the name of the issuing bank. Validity of the BG shall be 6 months.) No. ..................... Date: ............. To, The West Bengal State Cooperative Bank Limited, 24A, Waterloo Street, Kolkata - 700069 WHEREAS ........................... (Bidder’s Name) (Hereinafter referred to as “Bidder”), a Company registered under the Companies Act, 1956 and having its registered office at .............. is required to deposit with you, the Purchaser Bank , by way of Earnest Money, Rs. ............ (Rupees .......... only) in connection with its Bids/Tenders for the work with reference to Tender Enquiry No. HO/MD/Sectt/73/2009-2010 dated. 24/08/2009 as per specification and terms and conditions enclosed therein AND WHEREAS the Bidder as per Clause No. ........ of Instructions to Bid has agreed to furnish a Bank Guarantee in you favour through us valid up to .......... (date) instead of deposit of Earnest Money in cash AND WHEREAS you have agreed to accept a Bank Guarantee from us in lieu and/ or instead of Earnest Money Deposit in cash from the Bidder . 1. We, .................. (Bank) hereby agree and undertake to pay you on demand the

said amount of Rs. ....................... (Rupees .................................. only) without any protest or demur in the event the Bidders/ Tenderer after submission of his Tender, resiles from or withdraws his offer or modifies the terms and conditions thereof in manner not acceptable to you or expresses his unwillingness to accept the order placed and/ or Letter of Intent issued by you on the Bidder / Tenderer for the work under Tender Enquiry No. .................. dated ................ .

2. Your decision as to whether the Bidder / Tenderer has resiled from or has

withdrawn his offer or has modified the terms and conditions thereof in manner not acceptable to you or has expressed his unwillingness to accept the order placed and/or Letter of Intent issued by you on the Bidder / Tenderer for the work under Enquiry No. .............. dated ................. in this regard, shall be final and binding on us and we shall not be entitled to question the same.

3. Notwithstanding anything contained in the foregoing, our liability under this

Guarantee shall be restricted to Rs. .................... (Rupees ............................ only)

4. This Guarantee shall remain valid and in full force and effect up to ........ and shall expire thereafter unless an intimation is given to the Bank by you earlier in writing discharging us from our obligation under this Guarantee.

5. We shall not revoke this Guarantee during its currency except by your consent in

writing. 6. This Guarantee shall not be affected by any change in the constitution of the

Bidder/ Tenderer or yourselves or ourselves but shall enure to your benefit and be enforceable against our legal successors or assignees by you or your legal successors.

7. Notwithstanding any thing contained hereinabove unless a demand or claim

under this Guarantee is made on us in writing within six months from the date of expiry of this Guarantee we shall be discharged from all liabilities under this Guarantee thereafter.

8. We have power to issue this Guarantee under our Memorandum and Articles of

Association and the undersigned who is executing this Guarantee has the necessary power to do so under a duly executed Power of Attorney granted to him by the Bank.

SIGNED AND DELIVERED for and on behalf of above named Bank For and on behalf of -------------------------------

---- ( Bidder’s Name ) (Banker’s Name) MANAGER Address ...............................................

ANNEXURE: VIII

(To be submitted with Technical Bid) FORMAT OF ORIGINAL EQUIPMENT MANUFACTURERS' AUTHORIZATION FORM

(In original letterhead of the OEM)

Letter Ref. No._____________dated ____________ To The Managing Director, The West Bengal State Cooperative Bank Limited, 27, Waterloo Street, Kolkata - 7000 Ref.: Tender Ref. No.HO/MD/Sectt/73/2009-2010 dated. 24/08/2009 . Dear Sir: We who are the established and reputable manufacturer of _______________________

(name and description of goods offered) do hereby authorize

M/s_________________________________________ (Name and address of System

Integrator) to submit a bid against your Tender Call Notice under reference above and

execute the contract for the supply of the above goods manufactured by us.

We also extend our full warranty for the goods quoted by M/s. ____________________

as per the Tender clause of the Tender Reference No. HO/MD/Sectt/73/2009-2010

dated. 24/08/2009 .

We, also undertake that the spares of every equipment to be supplied by us hereunder

through said M/S ----------------------------------------------------------------------------------shall be

made available to WBSCB Ltd. for a period of minimum 5 years from the date of

Installation.

Yours faithfully, Authorized Signatory [In full and initials] Name and Title of Signatory: Seal of the Company

Note: This letter of authority should be on the letterhead of the OEM and should be signed by a person competent and having the power of attorney to bind the manufacturer.

ANNEXURE : IX

(To be submitted with Technical Bid – PART – I)

DECLARATION REGARDING ACCEPTANCE OF TERMS & CONDITIONS CONTAINED IN THE TENDER DOCUMENT

To The Managing Director, West Bengal State Cooperative Bank Limited, 24A, Waterloo Street, Kolkata - 700069 Dear Sir, We, the undersigned, offer to provide the services for the tender: Tender enquiry no. HO/MD/Sectt/73/2009-2010 dated 24/08/2009. We hereby submitting our bid, which includes this Technical bid, and Pre-qualifications Bids sealed under separate envelopes. We hereby declare that all the information and statements made in this bid are true and accept that any of our misrepresentations contained in it may lead to our disqualification. Our bid is valid for a period of 180 days form the Bid opening date, subject to the modifications resulting from Contract negotiations you may subsequently carry out with us to accept our tender. If we are assigned the work during the period of validity of the bid, we undertake to carry out the same as per the terms and conditions of this tender document. Further we accept that if we try to influence the Bank by any extraneous means or if we adopt any such practice which will in any way be adverse to bank’s interest , the Bank may reject the offer immediately without disclosing the reason to us. We hereby declare that during the migration from the existing data available with the bank, the banking Transaction on the working days and working hours of the bank will not be stopped / hampered/suffer in any manner . We have carefully gone through the Terms & Conditions contained in the Tender Document and we declare that all the provisions of this Tender Document are acceptable to own Company. We further certify that the person signing this declaration is the authorised signatory of the company and is , therefore, competent to make this declaration under the seal of our company . Yours truly, Authorized Signatory [In full and initials]: Name and Title of Signatory: Name of Firm/Company : (Company Seal)

Sl No.Whether complied (yes / no)

If not complied, indicate level of

compliance

1 Minimum 25 tps2 Maximum 3 seconds3 Maximum 5 seconds 4 Maximum 1 hour 5 Maximum 2 hours6 Maximum 2 hours7 Maximum 4 hours

Sl No. Service Category MeasurementsNormal

Hours of Operation

Required Uptime

Required Response

Time

Maximum Down time Permitted per instance

Whether complied (yes / no)

If not complied,

indicate level of

compliance

1 Networking Equipments (at DC)

Networking Equipments (at DC) should be up and running at DC 24x7 99.90% 30 Minutes 2 Hours

2Networking Equipments (at Branches/other offices)

Networking Equipments (at Branches/other offices) should be up and running at Branches/other offices

24x7 99.50% 2 Hours 5 Hours

3 Application Sever/Database Server

Application Sever/Database Server Maximum Memory / CPU Utilization levels should be less than 70% during business hours.

24x7 99.99% 30 Minutes 2 Hours

4 Storage ComponentsStorage Components Maximum Memory / CPU Utilization levels should be less than 70% during business hours.

24x7 99.90% 30 Minutes 2 Hours

5 LAN Connectivity LAN connectivity at Branches / Offices should be up and running 24x7 99.90% 30 Minutes 2 Hours

Sl No. Service CategoryWhether complied (yes / no)

If not complied,

indicate level of

compliance

1 WAN Bandwidth Utilisation

2 Backup Success Rate

2 Downtime for Servicing

3 Downtime for Servicing- Network Equipments

Part B

Quarter / Half year Year end

Activities / Functions Benchmark

Transaction completion timeRetrieval of last 10 entriesDay –end Month end

Permitted downtime for application, database, and operating system servicing for upgradation, patch uploads, fixing of bugs or other maintenances will not be more than 1 hour. These activities can not be carried during business hours. The activities that may require more than 1 hour or required to be carried out during business hours must be scheduled in consulation with the bank.

Permitted downtime for servicing of networking equipments for upgradation, patch uploads, fixing of bugs or other maintenances will not be more than 1 hour. These activities can not be carried during business hours. The activities that may require more than 1 hour or required to be carried out during business hours must be scheduled in consulation with the bank.

Annexure - X

Part A

Part C

Service Level Indicators

Backup success rate for CBS Solution should be 99.99%

Requirement

WAN Bandwidth Utilisation levels should be less than 75%

Transaction per second

Page 1 of 1

1 In case of consortium, copy of Valid agreement / MOU with other partners2 Certificate of Incorporation of the Prime Vendor

3Proof of providing CBS to Schedule banks/Nationalized Banks/ Co-operative Banks for 3 years.

4 Balance sheet of Prime Vendor for FY 2006/07, 2007/08 & 2008/09

5 Balance sheet of Software Vendorr for FY 2006/07, 2007/08 & 2008/09

6 SEI-CMMi Level 5 certificate for CBS software provider7 Valid Sales Tax / VAT Registration, Service Tax Registration of Prime Vendor8 Solvency certificate9 Proof of successful Installtion of at least 100 branches in India.

10 Software Audit report (audited by the third party with CISA certified professional).

11 ISO: 9001 / ISO: 14001 certificates

12Details and proof of service facilities for software support on centralized banking, technical support on services, and maintenance of hardware components

13Guarantee certificate from OEM that all the supplied products would not become obsolete within next five years.

1 Technical Bid2 Annexure III(b) - Technical Compliance Statement for Hardware3 Annexure VII - Bank Guarantee Format4 Annexure VIII - Letter from OEM for Authorization and Warranty5 Annexure IX - Letter of acceptance of Terms and Conditions6 Annexure- XI - Performance Metrics/Service Level Parameters

1 To submit DD/Manager's cheque (if download from web) for the cost of Tender Form2 To submit EMD value in sealed envelope

* Please keep all of the above sealed covers within a larger sealed cover.

Checklist forTechnical Bid (To be kept in a single sealed cover):

Checklist for Pre-qualification Bid (To be kept in a single sealed cover):

Checklist for DD/EMD (To be kept a single sealed cover):

Annexure - XI

Sl no Module DETAILS Requirement

Availability : A/C/U Marks Weightage Marks

allotted

1 ALM To provide Risk Measurement Tools- as per basel II accord

M A 10 2 20

2 ALM To provide Gap Analysis M A 10 1 10

3 ALM To provide Liquidity Risk Management M A 10 1 10

4 ALM To provide Interest Rate Sensitivity M A 10 2 20

5 ALM To provide Gap Ratios M A 10 1 10

6 ALM To provide Duration Analysis M A 10 2 20

7 ALM To provide Mark to Market and value at risk M A 10 1 10

8 ALM To provide Simulation and Scenario Analysis and whatif Scenario

M A 10 1 10

9 ALM To provide Capital Adequacy Measuring M A 10 2 20

10 ALM To provide Bucket-wise comparison of mismatches net present of mismatches and duration gaps

M A 10 2 20

11 ALM To provide Average balances branch-wise, product-wise based on historical data

M A 10 1 10

12 ALM

To provide Actual interest paid/received (in %) on deposits, Investments & advances as compared to weighted average interest or as any method described by the bank

M A 10 1 10

13 ALM To provide Net Interest Income/Margin M A 10 1 10

14 ALM To provide Key Ratio Builder D A 6 1 6

15 ALM To provide Trend Analysis M A 10 1 10

16 ALM To provide PV Analysis M A 10 1 10

17 ALM To provide Forward Analysis M A 10 1 10

Annexure - IV (A)

Page 1 of 127



allotted

18 ALM To provide Data Normalisation system D A 6 1 6

19 ALM System should support collection of ALM data from non-CBS branches, if any

M A 10 1 10

20 ALM

The system should provide for entry of ALM data for opening new accounts/ defining existing accounts for proper classification of accounts according to needs for forecasting as given below:

A

21 ALM System should capture type of interest payment (floating or fixed)

M A 10 1 10

22 ALM

System should capture Frequency of interest accrual, compounding frequency (monthly, quarterly, half-yearly, etc.), interest booking frequency (monthly, quarterly, half-yearly) and projected balances (for fixedinterest rate)

M A 10 1 10

23 ALMSystem should record of due dates for payment, amounts of repayment expected, maturity dates and fund flow projections to be generated.

M A 10 1 10

24 ALMSystem should record the effect of regular payment - in both floating and fixed rate scenario- and non-payment of EMIs/ Instalments.

M A 10 1 10

25 ALM CRR/SLR Calculator M A 10 1 10

26 ALM

System should support generation of Maturity Pattern Statement interest rate wise for Term Deposits as per REMAINING maturity on any given date.

M A 10 1 10

27 ALM

System should support generation of Maturity Pattern Statement interest rate wise for Term Deposits according to ORIGINAL maturity on any given date.

M A 10 1 10

28 ALM

System should support generation of Maturity Pattern Statement interest rate wise for Term Loans as per REMAINING maturity on any given date.

M A 10 1 10

29 ALM

System should support generation of Maturity Pattern Statement interest rate wise for Term Loans accordingto ORIGINAL maturity on any given date.

M A 10 1 10

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allotted

30 ALM

System should support classification of assets and liabilities into precise time buckets and generation of Maturity Profile / Liquidity Profile branch-wise/ region-wise / District-wise as per contractual maturity.

M A 10 1 10

31 ALM

System should support generation of behavioral maturity pattern based on behavioral pattern / past data / empirical studies and resultant classification.

M A 10 2 20

32 ALMSystem should support classification of retail deposits and retail loans on the basis of behavioral maturity into appropriate buckets.

M A 10 2 20

33 ALM System should support for behaviour analysis of CASA deposit

M A 10 1 10

34 ALM System should calculate and monitor individual and group exposure limit.

M A 10 1 10

35 ALMSystem should provide maturity Pattern of Deposits and Advances and Cash Flow Mismatch M A 10 1 10

36 ALMSystem should provide maturity Pattern / Duration / Modified Duration / Revaluation of Investment Portfolio M A 10 1 10

37 ALMInterest Rate Risk

M A 10 1 10

38 ALMSystem should support calculation of Earnings at Risk and / or Net Interest Margin D A 6 1 6

39 ALMSystem should support calculation of Periodic Returns

M A 10 1 10

40 ALMSystem should support Stress Test on Investment Portfolio D A 6 1 6

41 ALM

System should generate Statement of Projected Short Term Dynamic Liquidity taking into account projected inflows and outflows in different time buckets.

M A 10 1 10

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allotted

42 ALM

System should generate Statement of Structural Liquidity showing movement of Balance Sheet items in time buckets as per RBI guidelines and should be parameterised.

D A 6 1 6

43 ALM

System should support Economic Value Analysis: Change in economic value of assets and liabilities resulting from an assumed percentage change in interest (say 2%).

D A 6 1 6

44 ALMSystem should support calculation of modified duration based Market Risk of advances and investment portfolio as per new RBI guidelines.

M A 10 1 10

45 ALM System should have functionality to determine the unavailed portion of CC OD.

M A 10 1 10

46 ALM System should support Roll-in and roll-over of Term Deposits.

M A 10 1 10

47 ALM System should support Embedded option – Premature withdrawal of Deposits.

M A 10 1 10

48 ALMSystem should support Interest rate wise as well as maturity wise classification of Deposits & advances. M A 10 1 10

49 ALM System should support Product Pricing of Deposit & Advances

M A 10 1 10

50 ALMSystem should support Attainment of optimal mix of maturity profile of incremental assets & liabilities. M A 10 1 10

51 ALM System should support Lines of credit extended. D A 6 1 6

52 ALM System should support Invocation /devolvement of bank Guarantee/LCs.

M A 10 1 10

53 ALMSystem should have functionality to assess Impact of change in the interest rate on bank’s NII(Net Interest Income) and NIM(Net Interest Margin).

M A 10 1 10

54 ALM System should provide Time-Bucket wise mismatches of cash flow as percentage to outflow

M A 10 1 10

55 ALMSystem should provide Time-bucket wise mismatches(RSA-RSL as percentage to total equity) M A 10 1 10

56 Customer Information

Definition of customers to be on individual basis. Every individual in a joint account should be treated as a separate customer.

M A 10 1 10

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allotted


Any account of the customer should not be allowed to operate unless the Introduction offered is yet to be confirmed by the customer to the Bank.

M A 10 1 10


Customer identified by a unique identification numberM A 10 1 10


Unique customer-id across the BankM A 10 1 10


Accounts opening in different branches using the same customer-id M A 10 1 10


Search facility to enable the Bank to check whether a person is already a customer of the bank (based upon name, address, PAN etc).

M A 10 1 10


Possibility of entering the following customer information on the system. A


Customer Name,(With mother's maiden name) Customer Address, Second address .New customer has to complete the KYC norms.The application has to follow the same. M A 10 1 10


In case of Non-Resident Customers, Local Contact Address if any D A 6 1 6


Customer Phone and Fax numbers (office and home), Mobile phone number, email, website M A 10 1 10


Parameterization of different types of customers[Individual,Co-op Society, SHG, Corporate, Partnership, Public Sector, etc.]

M A 10 1 10


Category [General, Minor, Staff, VIP, Non-Resident, etc.]M A 10 1 10


Member (yes or No) i.e. whether he is a Share holder of the Bank or not. M A 10 1 10


Occupation, Gender, Date of BirthM A 10 1 10


Nomination DetailsM A 10 1 10

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allotted


Minor -Date of Birth, Date of attaining majorityM A 10 1 10


Guardian Details for Minor Deposits.M A 10 1 10


Branch identification code.(home branch)M A 10 1 10


Introducer’s details M A 10 1 10


Feasibility of viewing Customer's relationship with the Branch and Bank by entering either the customer-id or any of his account numbersattached that customer(partly or fully)

M A 10 1 10


In the event of a customer dying or being declared insane or insolvent, is it possible to updated the customer status with the fact.(facility to delete non existing customers) M A 10 1 10


Customer information file or that provides a snapshot view of a customer's account relationships M A 10 1 10


Determination if one customer acts as a guarantor for another or identify all those customers who are involved in any bankruptcy proceedings.If a borrower’s account becomes NPA, then we should be able to identify all his accounts and all accounts for whic

M A 10 1 10


System should generate an Unique Customer ID (Cust ID) for any type of Customer across all the branches. The customer ID should be a alphanumeric field with the branch code attached to it.

M A 10 1 10


The Customer Information File should be available across all modules of the system M A 10 1 10


Customer Id should have a check digitM A 10 1 10

Page 6 of 127



allotted


The system should have the following information about the Customer: Title Code, Name, Joint Name, Date of Birth, Gender, Educational Qualififcation ,Occupation, Marital Status, Salaried, etc.

M A 10 1 10


Permanent AddressM A 10 1 10


Postal Address with pin codeM A 10 1 10


Contact Address with pin codeM A 10 1 10


E-mail addressM A 10 1 10


Telephone Numbers – office, residence, Fax No. Mobile No. M A 10 1 10


Public Ltd. Company, Private Ltd. Company, Govt. / Bank , Multinational, etc. M A 10 1 10


Customer classification based on Profession (Business, Retired, Student, etc.) M A 10 1 10


Permanent Account Number M A 10 1 10


Electoral Card No.M A 10 1 10


Passport detailsM A 10 1 10


SC/ST/BC/OC/Minority statusM A 10 1 10


Driving Licence detailsM A 10 1 10


Citizen IDM A 10 1 10


Introducer’s name and account numberM A 10 1 10

Page 7 of 127



allotted


In the case of Corporate customers the following details may be captured M A 10 1 10


Title (M/s etc.)M A 10 1 10


NameM A 10 1 10


Firm branch numberM A 10 1 10


Company type (partnership / Ltd. Liability / Public / State Corp. etc.)M A 10 1 10


Line of BusinessM A 10 1 10


Industry M A 10 1 10


Sub- classification of industryM A 10 1 10


SectorM A 10 1 10


Date incorporatedM A 10 1 10


Place incorporatedM A 10 1 10


Date registeredM A 10 1 10


Place registeredM A 10 1 10


Date of commencement of businessM A 10 1 10


Business registration numberM A 10 1 10


Memorandum & Articles of Association, Certificate of Incorporation M A 10 1 10

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allotted


Tax registration number M A 10 1 10


Sales TaxM A 10 1 10


ExciseM A 10 1 10


Income TaxM A 10 1 10


Registered addressM A 10 1 10


Head office addressM A 10 1 10


Mailing addressM A 10 1 10


Phone number 1M A 10 1 10


Phone number 2M A 10 1 10


Fax numberM A 10 1 10


Telex numberM A 10 1 10


E-mail addressM A 10 1 10


Web URLM A 10 1 10


Industry typeM A 10 1 10


Details of Constituetns / Office Bearer of the InstitutionM A 10 1 10


NameM A 10 1 10

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allotted


PAN numberM A 10 1 10


DesignationsM A 10 1 10


Passport numberM A 10 1 10


Address for each partner / Director/ authorized signatory M A 10 1 10


Signature each partner / director / authorized signatoryM A 10 1 10


Customer ID (If customer of the bank)M A 10 1 10


Account number (If customer of the bank)M A 10 1 10


Name of the other banks banked with, with account number M A 10 1 10


Other Banking relationships of the company with details like M A 10 1 10


Type of relationshipM A 10 1 10


Limits for operationM A 10 1 10


Account numberM A 10 1 10


Ability to generate a Group ID for various groups of customers, including individual/society and corporate customers.

M A 10 1 10


Ability to link customer ID’s to group IDM A 10 1 10


Ability to define customer to account relationship as follows for example It should be possible to generate the list of all accounts maintained by a customer with the bank and it’s relationship type such as:

M A 10 1 10

Page 10 of 127



allotted


SingleM A 10 1 10


Joint M A 10 1 10


Guardian M A 10 1 10


IntroducerM A 10 1 10


GuarantorM A 10 1 10


Ability to define relationship for joint account holders / nominee to the parent account holder. Such as: M A 10 1 10


SpouseM A 10 1 10


GuardianM A 10 1 10


IntroducerM A 10 1 10


Ability to define Corporate to corporate relationship such as: M A 10 1 10


Group ofM A 10 1 10


Parent Company ofM A 10 1 10

156 Agri - Advance

Facility to capture crop details ( Rabi-Kharif-Others / Subcategory within Rabi -Khariff-Others ) M A 10 1 10

157 Agri - Advance

Facility to capture due date parameters for crop loan schemes M A 10 1 10

158 Agri - Advance

Facility capture Block/GP / Mouza / village details ( Name M A 10 1 10

159 Agri - Advance

Facility to categorise Farmers/members depending on the land holdings M A 10 1 10

Page 11 of 127



allotted

160 Agri - Advance Facility for KCC loans M A 10 1 10

161 Agri - Advance Facility for Different Crop loans M A 10 1 10

162 Agri - Advance Facility for Agricultural Medium Term, Long Term loans M A 10 1 10

163 Agri - Advance

Facility to capture the entire details of loans proposal from the societies M A 10 1 10

164 Agri - Advance

The loan proposal should contain loans intended by each farmer, land informations,crop informations, Scale of Finance.

M A 10 1 10

165 Agri - Advance

Facility to capture all the inspection details for the loan proposal D A 6 1 6

166 Agri - Advance

Facility to capture all the Sanction details like board resolution, interest rates, repayment dates M A 10 1 10

167 Agri - Advance Facility to print the sanction letters D A 6 1 6

168 Agri - Advance

Facility to generate the DCB in respect of each PACS at periodical intervals. M A 10 3 30

169 Agri - Advance Facility to disburse the loans as and when required. M A 10 1 10

170 Agri - Advance

Facility to generate the repayment schedule of each drawal. M A 10 1 10

171 Agri - Advance

Facility of multiple disbursement under one account. Different loans given to the societies to be shown under one account

M A 10 2 20

172 Agri - Advance

* Facility of recovery of loans - Manual adjustments against the drawals M A 10 1 10

173 Agri - Advance

* Facility of recovery of loans - Ineterst to be posted to the society accounts on receivable basis M A 10 1 10

174 Agri - Advance

* Facility to provide principal due, interest due, Charges due as on any given date. M A 10 1 10

Page 12 of 127



allotted

175 Agri - Advance Sanction register M A 10 1 10

176 Agri - Advance Loans disbursement register M A 10 1 10

177 Agri - Advance Outstanding drawals ( limit - amount drawn) M A 10 1 10

178 Agri - Advance STSAO Report - Fortnightly M A 10 1 10

179 Agri - Advance NODC - Monthly M A 10 2 20

180 Agri - Advance Principal DCB Report M A 10 2 20

181 Agri - Advance Interest DCB Report M A 10 2 20

182 Agri - Advance Society Wise loan Balance Outstanding M A 10 1 10

183 Agri - Advance

Branchwise / Blockwise / Society wise classification of overdue loans M A 10 2 20

184 Agri - Advance

Facility for - Interest not to be charged for refunded drawals within say ( 3/7 days) M A 10 2 20

185 Agri - Advance

Facility for - Computation of daily product based on retrospect credit M A 10 2 20

186 Agri - Advance

Subvention - Daily product for the respective periods ( half-yearly / Qtrly) on current portion of the loans M A 10 2 20

187 Agri - Advance

Facility for - computation / reckoning / realisation / payment of Crop Insurance premium at the time of disbursement of Loan as a part of Loan amount.

M A 10 1 10

188 Agri - Advance Facility for - Crop Insurance Claim received / Disbursed M A 10 1 10

189 Agri - Advance

Facility to capture PACS details like Id,Name,Authorized Signatoies, Loans disbursed, M A 10 1 10

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allotted

190 Agri - Advance

Facility to Capture member details of the societies (Minority Commn / OBC / SC / ST / SF / MF / OF / Women / Phy Hand / Oral lessee / Patta holders / Share croppers etc )

M A 10 1 10

191 Agri - Advance

Facility to capture Land details of the society members ( Irrigation / Land Area / Khatian no - Dag no) M A 10 1 10

192 Agri - Advance

Crop Insurance - Computation based on Parameters ( GP / No of farmers / Crop / Farmer type / Acreage / Quantum of loan)

M A 10 2 20

193 Agri - Advance

Capture the Summary report from each PACS ( No of Total members / No of Borrowing members / New members ( General - Borrower )

M A 10 1 10

194 Agri - Advance

PACS - SHG ( No of SHG / No of member ( Gender) / Caste / Religion ) - both for Deposit as well as Credit linked

M A 10 2 20

195 Agri - Advance

Report on : PACS - SHG ( No of SHG / No of member ( Gender) / Caste / Religion ) - both for Deposit as well as Credit linked

M A 10 2 20

196 Agri - Advance

PACS - SHG - Amount of Deposit / Amounts of Loan disbursed / Balance OS / M A 10 1 10

197 Agri - Advance

Report on :PACS - SHG - Amount of Deposit / Amounts of Loan disbursed / Balance OS / M A 10 2 20

198 Agri - Advance

PACS - SHG - Amount disbursed - During the year / Since inception) M A 10 1 10

199 Agri - Advance

Report on : PACS - SHG - Amount disbursed - During the year / Since inception) M A 10 2 20

200 Agri - Advance

PACS - SHG - Repayment ( Current Demand / Total Demand / Recovery -Principal / Interest ), % of Recovery % - (Recovery to Total Demand)

M A 10 3 30

201 Agri - Advance

SHG wise no of loan issued ( both Bank SHG and PACS SHG) M A 10 2 20

Page 14 of 127



allotted

202 Agri - Advance

PACS - KCC summary ( No of - (KCCs issued, Having Opening bal , No isuued during the period, Progressive no, Opng Balance OS, Loan issued during the period No having Closing Balance OS) Operative / Inoperative KCC

M A 10 2 20

203 Agri - Advance

PACS - Administrative module ( AGM held on / Next AGM due on / Having elected BOD Y/N / Date of last BOD formation / Appointed - Elected - Nominated board) / Audit completed upto / Audit Rating A-B-C etc/ Whether placed under liquidation- Date of Liquidation

M A 10 1 10

204 Agri - Advance

Facility to capture - Name / Regn no-Address - No of Members ( Covered under CPF) - no of Active Looms M A 10 1 10

205 Agri - Advance

Limit sanctioned - Validity period- DP- OS Bal - Overdue amt - M A 10 2 20

206 Agri - Advance NODC Report - monthly / last Friday M A 10 2 20

207 AdvanceFacility to incorporate date of receipt of application & other particulars of application. M A 10 1 10

208 AdvanceSystem should check whether customer information contains all relevant information including net worth & other requirements as per KYC norm

M A 10 1 10

209 AdvanceSystem should capture details on guarantor containing all relevant information including net worth & other requirements.

M A 10 1 10

210 AdvanceCustomer and guarantor information should meet CIBIL requirement D A 6 1 6

211 AdvanceSystem should have provision to classify the borrower as per constitution (individual, private ltd., public ltd, co-operative society, trust etc.).

M A 10 1 10

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allotted

212 Advance

System should have provision to further categorise all loans/advances as – Soverign (domestic/foreign), Bank (Scheduled/others), Corporate (PSEs, Project finance, Object finance, Primary dealers etc.), retail portfolio and Loan against mortgage backed securities (residential mortgages/commercial real estate/ others) i.e. as per BASEL – II norms.

M A 10 2 20

213 AdvanceSystem should have provision for facility-wise classification of Advances like Demand/ Term/Cash Credit/WCDL/WCTL/BP etc

M A 10 1 10

214 Advance

System should have provision for Sector-wise classification like priority/ non-priority/ MSME /Agriculture/Infrastructure etc. they should further be categorized as Direct Finance & Indirect Finance.

M A 10 2 20

215 AdvanceSystem should have provision for Scheme-wise classification. M A 10 1 10

216 AdvanceClassification of borrowal Accounts into SC, ST, Minority Community, OBC, Phy. Handicapped, Women. M A 10 1 10

217 Advance

In case of manufacturing activities, Provision for incorporating type of industries, viz Fertilizer (organic/inorganic) Transport, Power, Steel, Cement etc. System should have flexibility to modify group of industries

M A 10 1 10

218 AdvanceSystem should determine borrower/GroupWise exposure

M A 10 1 10

219 Advance System should determine industry wise exposure M A 10 1 10

220 AdvanceSystem should have a warning system to indicate that exposure limit in a particular industry / borrower / group has exceeded or likely to exceed

M A 10 1 10

221 AdvanceSystem should incorporate activity / sector lending to which require HO approval M A 10 1 10

Page 16 of 127



allotted

222 AdvanceProvision to interface with Credit Appraisal, stock feeds and credit rating agencies. M A 10 1 10

223 AdvanceProvision to access the appraisal note and accord online approval by the delegated authority. M A 10 1 10

224 Advance

System should have a Risk Rating System compatible with our system or have a provision to provide interface with Banks existing risk rating model. It should be flexible so that parameters may be modified as per bank’s policy. There should also be provision to feed risk rating manually.

M A 10 1 10

225 AdvanceSystem should have provision to incorporate external rating of rating agencies (e.g. CRISIL/ICRA) along with our rating

M A 10 1 10

226 AdvanceSystem should provide for setting minimum and maximum limits of Loan and it should be flexible for various lending schemes

M A 10 1 10

227 AdvanceSystem should provide facility for appraisal for Retail Lending Schemes (as per eligibility and repaying capacity norms) and be flexible

M A 10 1 10

228 Advance

Audit Trail of modifications to Master details should be available. Status of any Loan account as on any date if queried on a later date, the same position prevailing on that date including master details should reflect.

M A 10 1 10

229 AdvanceSystem should support Lending style Sole / Consortium / Syndication etc M A 10 1 10

230 Advance

System should feed financial details of the customers for arriving at the financial strength related to the advance. (Current Ratio, Debt equity ratio, Debt service coverage ratio, Internal rate of return (IRR), Break even point etc). Accordingly CMA data should be captured/integrated with appraisal for further decision.

M A 10 2 20

Page 17 of 127



allotted

231 AdvanceAssessment as per turnover method. (Projected Sales, 25% of projected sales, 5% margin, NWC projected/ available. EBF etc) should be available

M A 10 1 10

232 AdvanceBalance sheet and ratio analysis should be incorporated in appraisal frame work as per MPBF method & facility should be available for the same to be parameterised

M A 10 1 10

233 AdvanceSystem should have separate framework/format for credit limit assessment under cash budget system D A 6 1 6

234 AdvanceSystem should have provision for incorporating eligibility norms and other key features for specialised schemes

M A 10 1 10

235 AdvanceSystem should regulate discretionary authority (Lending) at various levels. M A 10 1 10

236 AdvanceRetail Lending Schemes, various schemes for Rural Credit, other specialised schemes should be parameterized.

M A 10 1 10

237 AdvanceProvision to specify maximum period for any type of loan.

M A 10 1 10

238 Advance Sectorwise and unit/borrower-wise exposure M A 10 1 10

239 Advance Provision for Hire Purchase and Leasing finance D A 6 1 6

240 Advance Provision for Project Finance draw down schedule. M A 10 1 10

241 AdvanceProper Parameterisation for sanctioning authorities according to the scheme M A 10 1 10

242 Advance

Provision to modify terms of sanction viz. rate of interest, security, margin, interchangeability of facility and there should be details of the sanctioning authority (Name, Designation etc)

M A 10 1 10

243 AdvanceAvailability of Commodity-wise exposure under Selective Credit Control System other features D A 6 1 6

244 AdvanceSystem should allow interchangeability from one fund based limit to another and one Non-fund based to another within overall sanctioned limit

D A 6 1 6

Page 18 of 127



allotted

245 AdvanceThe system should capture and generate code for various activities/sectors as per BSR forms. D A 6 1 6

246 Advance

System should record grace periods for submission of at least the following: Stock statements, Book debts statements, Periodical statements, Annual balance sheets, Profit and loss statements, CMA data form.

M A 10 1 10

247 Advance

System should generate appropriate warning messages / letters before the due date for the above mentioned statements. Check for the parameter to generate warning messages / letters.

M A 10 1 10

248 AdvanceSystem should maintain and track post sanction review details. (e.g. documents to be reviewed, frequency, comments etc.)

M A 10 1 10

249 AdvanceSystem should define criteria (user definable) for an account going out of order and/or NPA. Check for the parameters to define the same.

M A 10 1 10

250 Advance

Map and define drop – downs for selection of sub-categories based on type of advance selected. E.g. if the category of advance is selected as Priority sector advance then the system should only show those sub- categories that are applicable to priority sector advances

M A 10 1 10

251 Advance

Provision to Calculate the DP for multiple securities having different margins linked to a particular a/c and vice versa (e.g.different margins for stocks & book debts of different age wise).

M A 10 1 10

252 AdvanceSystem should record sanction of Overdraft limits to certain accounts, as secured and unsecured and capture the sanctioned limit.

M A 10 1 10

253 AdvanceSystem should maintain and monitor the exposure to sensitive sectors. Sectors should be paramaterised. M A 10 1 10

254 Advance System should Parameterise adhoc sanctions. O A 4 1 4

255 AdvanceFacility to generate individual Branch reports at any interval at the Head Office level. M A 10 1 10

Page 19 of 127



allotted

256 Advance

Facility of the system to upload data received in any electronic format from branches outside the core banking system for consolidation and amalgamation for reporting purposes.

M A 10 1 10

257 AdvanceFacility to support manual feeding of data at the Head office for consolidation and amalgamation of data received from manual Branches.

M A 10 1 10

258 AdvanceSystem should have provision of classification Priority Sector Advances as per Bank's formats (giving outstanding and disbursement) .

M A 10 1 10

259 AdvanceFacility for drawing-up projected/estimated balance-sheet/P&L statement on the basis of past actual for last three years or more pertaining to the borrower.

M A 10 4 40

260 Advance

While assessing working capital requirement of a specific project, system should have facility to access some other a/cs of established unit of the same sector can assist in realistic assessment.

D A 6 1 6

261 AdvanceAutomatic transfer of customer's profile along with the details of loans, sub limit, value of security, etc at the time of transfer of any a/c from one branch to another.

M A 10 1 10

262 Advance

Provision to link various loan schemes with insurance coverage wherever provided for in the Bank’s scheme. There should also be provision for paying the insurance premium as per terms of the policy (either one-time premium payment or yearly renewal)

M A 10 1 10

263 AdvanceSystem should link standard remarks / add new remarks for comparison of actuals v/s benchmarks, estimates, projections etc.

M A 10 1 10

264 AdvanceSystem should highlight criteria for not meeting the benchmarked levels. M A 10 1 10

265 AdvancePowerful on-line enquiry utilities allowing different access path to the information which includes the current loan details as well as the historical information.

D A 6 1 6

Page 20 of 127



allotted

266 AdvanceTo adjudge any deviation from terms and conditions of sanction at the time of review/renewal/enhancement M A 10 1 10

267 AdvanceSystem should support refinance (NABARD/SIDBI, etc.).

M A 10 1 10

268 Advance system should support subsidy received. M A 10 1 10

269 Advancesystem should support securitization of future receivables.

M A 10 1 10

270 Advance system should support multiple financing. D A 6 1 6

271 Advance system should support Deferred payment guarantee. O A 4 1 4

272 Advancesystem should support multi-divisional companies under same/different consortium with different method of lendings.

O A 4 1 4

273 Advancesystem should support securitization through SPV (special purpose vehicle) O A 4 1 4

274 Advancesystem should support maintenance of Trust and Retention account/ESCROW mechanism. O A 4 1 4

275 AdvanceProvision of Capital charge calculation as per BASEL II norms M A 10 1 10

276 AdvanceSystem should have proper control over powers of sanctioning authority M A 10 1 10

277 AdvanceSystem should support all priority type advances products like PMEGP,SGSY,SHG etc.) M A 10 1 10

278 AdvanceShare linkage facility for borrower should be available with their amount of shares and no. of shares,membership no.

M A 10 1 10

279 AdvanceNominal membership linkage with borrowers should be available with their nominal Membership No., Date , Amount, etc. System should track nominal members

M A 10 1 10

280 Advance

Display of all accounts of a person/company in a branch/bank should be available, option to link the accounts to a particular customer number should be available in the same option

M A 10 1 10

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281 Advance

Provision for checklist of documents for various purposes or activities/ Parameterisation of Loan Document generation. document should be marked as mandatory/non-mandatory. system should restrict to proceed if mandatory documents are not received.

M A 10 1 10

282 AdvanceSystem should not bypass document marked as mandatory by higher authority. M A 10 1 10

283 AdvanceSystem should migrate required data from loan application/process note to loan documents M A 10 1 10

284 AdvanceSystem should link to the documentation management module for documentation & monitoring. O A 4 1 4

285 AdvanceSystem should capture details & print standard loan documents in the prescribed format as desired by bank. (Hyp.deed, G’tee deed, DPN, Sanct.Letter etc.)

M A 10 1 10

286 Advance

Provision for Borrower-wise details of various documents executed along with date of the execution and also due date for renewal of document. System should define grace x-days for document renewal.

M A 10 1 10

287 AdvanceSystem should accept opening of the account after the execution of mandatory documents. M A 10 1 10

288 AdvanceSystem should not accept the initial debit disbursement/transaction without due authorization by the appropriate authority.

M A 10 1 10

289 Advance

Realisation of cheque/Debit ECS return charges along with applicable taxes to be debited by the system itself and related debit advice for customer as well as the corresponding voucher to be generated simultaneously.

M A 10 1 10

290 Advance

In case of schematic lending the eligibility criteria including the quantum of eligible finance to be generated after entering the relevant informations/particulars furnished by the proponent through loan application form.

M A 10 1 10

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291 Advance

In case of project finance detailed data related to locations and cost of project, means of finance, schedule of implementations, comparisons of progress/ status of implementations are to be maintained in the system and report generation facility at any point of time.

M A 10 1 10

292 AdvanceIn case of project finance year-wise accepted DSCR including particulars of repayment obligations to all the creditors individually should be maintained.

M A 10 1 10

293 Advance

In case of project finance monitoring and review of actual DSCR position as at the year end including inter-alia particulars of repayment made to different creditors vis-à-vis over due position as also variations occurring due to change in the rate of interest should be generated as and when required.

M A 10 1 10

294 Advance

In case of Project finance value of Bank’s share in the security (net block excluding evaluation) created out of the project finance considering outstanding liabilities with different project financers to be made available from the system.

D A 6 1 6

295 AdvanceFacility for calculating asset coverage ratio to assess the security coverage of the proposed loan asset. M A 10 1 10

296 Advance

Provision to allow multiple disbursements from a same account simultaneously against single debit by means of issuance of Bankers cheque / DD / RBI cheque / RTGS / Credit advice/Internal Transfer

M A 10 2 20

297 AdvanceAll filled in Loan documents should be generated based on application and sanction terms M A 10 1 10

298 AdvanceProvision to record Proirity Code,Purpose code,Loan period,Weaker section with subclassification M A 10 1 10

299 AdvanceSystem should have provision for ROC search report maintenance & renewal M A 10 1 10

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300 Advance

There should be a system for recording primary security & Collateral Security with details of each security viz. date of valuation & amount, nature of security,value of security,location of security,security verification date etc.(both movable & immovable). These securities should be categorized as per regulatory (BASEL –II) norms so that risk weightage can be calculated properly viz loan against mortgage of residential properties, loan against mortgage of commercial property etc. System should have provision to record one security for many accounts & vice versa

M A 10 3 30

301 AdvanceThere should be a distinct system for recording eligible financial collateral as defined by RBI (Basel-II). M A 10 1 10

302 Advance

Exclusive Security maintenance system with parameters of margin, depreciation rate, appreciation rate, period for valuation,tax bill payment date etc globally maintained M A 10 1 10

303 AdvanceProvision to revaluate the securities periodically & revaluation periodicity,Valuers name & other details should be parameterised.

M A 10 1 10

304 AdvanceSystem should provide for automatically carrying out the following activities as and when specified by the user :- A

305 AdvanceProper Drawing power calculation taking into account the Stock statement, Book debt statement, Shares, Properties etc.

M A 10 1 10

306 AdvanceSystem should show value of collaterals, margin and O/s Liabilities. M A 10 1 10

307 Advance

System should link securities charged to particular account as continuing security for other limits. e.g Security of Machineries charged to Term loan taken as a continuing security for BG/LC/WC limits.

M A 10 1 10

308 AdvanceSystem should warn for valuation of Stock /Book debts/ Machinery/ Building etc. when next valuation falls due. M A 10 1 10

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309 AdvanceSystem should prompt and update Insurance premiums for loans against LIC policies. M A 10 1 10

310 Advance

System should define criteria for (user definable) conduct of stock audit (e.g. for accounts with sanction limit of over defined amount etc). Details to be captured are: Stock audit date, Name of Chartered Accountant / Company or audit firm, Stock Audit sanction date, Next audit date, Status of audit report (e.g. closed, open etc.), Action points / comments by the auditor.

M A 10 2 20

311 AdvanceSystem should parameterize frequency of stock audit as per Bank’s policy. It should be available accountwise/borrowerwise

M A 10 1 10

312 Advance

System should define asset code for classification of assets based upon user definable parameters (for example Asset Code 'X' as standard for delinquent for less than 90 days,). Further the system should have the facility to define sub - asset codes within a defined asset code e.g. under standard assets sub - asset code regular /irregular / out of order / weak standard etc.

M A 10 1 10

313 Advance

System should define the number (parameterisable) of days upon which the system should generate warning messages / print reports for accounts out of order / irregular based upon user definable criteria e.g. display warning messages for those accounts where interest is outstanding for x number of days. Check for the existence of the parameter.

M A 10 1 10

314 Advance

Provision to enter details of the goods pledged in case of advance against pledge and other details based on the nature of the a/c and also link of the amount of loan with the value of goods security.

M A 10 1 10

315 AdvanceSystem should record details of ROC charge with details like amount,charge ID No.,Date etc M A 10 1 10

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316 AdvanceProvision to release the Security taken as a lien on discharge of liability by the customer. M A 10 1 10

317 AdvanceProvision for noting charge on securities with the concerned multiple authorities. M A 10 1 10

318 AdvanceCollection of Margin Money prior to release of loan.

M A 10 1 10

319 Advance

Facility of marking lien on the Margin amount / subsidy received from various agencies in lieu of margin, where the margin/subsidy is to be maintained separately till continuation of facilities viz LC, BG, Govt. sponsored schemes etc.

M A 10 1 10

320 AdvanceProvision to promptly release the Margin amount collected by the bank to keep in lien account, on discharge of liability by the customer.

M A 10 1 10

321 AdvanceProvision to prompt the availability of Margin amount collected by the bank while classifying as NPA a/c. M A 10 1 10

322 AdvanceDisplay facility of total margin amount along with the details for each type of loan product / scheme O A 4 1 4

323 AdvanceDisplay facility of total subsidy amounts for each type of loan product / scheme. O A 4 1 4

324 AdvanceFacility to maintain & verify status of subsidy application to the concerned authority. O A 4 1 4

325 AdvanceCalculate interest on Simple, Compound methods for various schemes offered by the bank M A 10 1 10

326 Advance

All types of interest/Special types interest such as Housing loan of staff. Interest liability should be separately maintained so that interest portion with rate/type of any loan should be available. Interest and Principal should be separately shown in account carrying SI such as Staff Housing Loan.

M A 10 2 20

327 Advance System should define slab interest rates at account level M A 10 1 10

328 AdvanceCalculate interest on outstanding on a daily/monthly/quarterly/half-yearly/Yearly basis. M A 10 1 10

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329 AdvanceA provision to link interest rate with Credit Risk Rating at option of the Bank. M A 10 1 10

330 AdvanceA provision to apply interest rates for every product offered by the bank based upon defined criteria e.g. type of account, category etc

M A 10 1 10

331 AdvanceA provision to apply interest rate based on RAROC (Risk-weighted Asset and Return on Capital). D A 6 1 6

332 AdvanceInterest rates linked to PLR/Benchmark rate/PTLR etc should be related to type of account globally. M A 10 1 10

333 AdvanceInterest rates related to loan against time deposits should change automatically according to deposit rate of interest on renewal of deposit.

M A 10 1 10

334 AdvanceProvision to define grace/moratorium period & recover interest/principal/EI/EMI etc. accordingly. M A 10 1 10

335 Advance

Back dated recalculation of interest with/types slabs should be available and balance to be recovered, should be recovered automatically. (This is required for OTS of NPA accounts)

M A 10 2 20

336 Advance

System should define interest rates i.e. whether linked / not linked to benchmark rates (Floating/Fixed). Provision to mark accounts as linked / not linked to benchmark rates.System should automatically change interest rates after change in benchmanrk rates. Provision to record benchmark rates at Global level.

M A 10 1 10

337 AdvanceChanging of rate of Interest Globally/Individually backdated/future. M A 10 1 10

338 AdvanceProvision for accepting ROI below PLR only for authorized loan products accounts. M A 10 1 10

339 Advance

The penal interest should be applied considering parameterised Penal rate of Interest and list of exemptions. Wherever waived, the same should reflect in the audit trail report to verify revenue leakage.

M A 10 1 10

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340 Advance

Recalculation of Interest/Penal interest for back dated revaluation of securities. (e.g. Interest to be reckoned from first day of the month by the DP as per the stock statement is entered on 21st).

D A 6 1 6

341 AdvanceCharging of interest on withdrawals against unclear effect of cheques. M A 10 1 10

342 AdvanceSystem should have provision of autocharging of commitment charges on unutilized portion of credit limit with flexibility for exemption under proper authorisation.

M A 10 1 10

343 Advance

System should have provision of charging auto-penal interest for delayed submission of monthly stock statement/QIS/Renewal of limits periodically and auto-generate debit advice for customers.

M A 10 1 10

344 Advance

Define instances where interest is to be calculated as defined for that product, scheme / account but not be applied to the account e.g. accounts marked as NPA accounts, broken accounts, suit filed / decreed loan accounts etc. The interest accrued should always be visible at the time of transaction processing, authorizing etc

M A 10 1 10

345 Advance

Provision for automatic reversal of unrealized interest from the account on account becoming NPA and booking of income from URI account on recovery in the account. M A 10 1 10

346 AdvanceSystem should raise principal + interest demands on due dates M A 10 1 10

347 AdvanceEffect of changes in the interest demand date and loan repayment schedule in case of changes in moratorium period/gestation.

M A 10 1 10

348 AdvanceProvision for report on interest received during a given period against lending under various products / schemes/sectors etc.

M A 10 1 10

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349 Advance

In case of loan against FDR- facility to link the loan ROI to Specific Deposit a/c (FDR rate+ …%)In Loan/OD against fixed deposits the interest rates can be calculated on Weighted average method.

M A 10 1 10

350 AdvanceInterest accrual Report- Details of interest accrued but not charged (including NPA accounts) M A 10 1 10

351 AdvanceCalculation of Prepayment penalty with flexibility for waiver with due authorization. M A 10 1 10

352 AdvanceProvision for calculation of interest in any loan accounts with retrospective effect or on accrual basis at future date and to generate report thereof.

M A 10 1 10

353 AdvanceFacility to capitalise interest as per parameter set for a defined loan(such as capitalisation of interest in case of construction co/project) in case of graded installment.

M A 10 1 10

354 Advance

While applying interest in respect of borrowers whose loan account is distinct from the subsidy account, the interest should be applied after netting the subsidy amount.

M A 10 1 10

355 AdvanceApplication of interest in case of TOD (without any regular limit) as and when the accounts comes in to credit/ or at month/quarter end (capitalization)

D A 6 1 6

356 Advance Overdue calculation base should be parameterised M A 10 1 10

357 AdvanceSystem should have provision for change in rate of interest amountwise to purposewise and vice versa or both M A 10 1 10

358 Advance

Provision for fixation of equated installments based on periodicity of payment, viz. EMI for monthly repayment, EQI for Quarterely installment,EHI for half-yearly installment, EAI for annual repayment.System should have provision of converting EMI to Non EMI and vice versa

M A 10 1 10

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359 Advance

Provision for monthly installment computation based on concept of “Progressive Monthly Installment” (PMI) where monthly installments may be less during initial period of repayment and will be more afterwards.

M A 10 1 10

360 AdvanceProvision for recovery of principal at one frequency and Interest in a different frequency. (Staff Housing Loan) M A 10 1 10

361 AdvanceOption to adjust EMI table with changes in the interest slabs taking into consideration the effective dates for such interest rate changes

M A 10 1 10

362 AdvanceDifferent types of Interest during the Moratorium Period.

M A 10 1 10

363 AdvanceAlert when customer initiated transaction in the account which happens to be Overdue and/or NPA Account. M A 10 1 10

364 AdvanceRebate/incentive on Interest for regular payment ( on running basis and back-end basis) M A 10 1 10

365 Advance

Verify for Ad hoc rescheduling, for example the customer makes a lump sum payment of three installments at a time in advance and wants waiving of auto recovery of installment of next three months, should be possible and also not to generate demands for next three months.Accordingly account should not be classified as NPA.

M A 10 1 10

366 AdvanceProvision to calculate Prepayment charges.

M A 10 1 10

367 AdvanceTransfer periodical Deposit Interest and maturity amount to Loan/CC account M A 10 1 10

368 AdvanceProvision to re-schedule in case of bulk payment/overdue and adjust interest payments in the event of pre / part payment automatically for EMI.

M A 10 1 10

369 Advance

Provision to define moratorium period. Check for the parameters for the same. Moratorium period should be defined for only interest, only principal, equated monthly installment.

M A 10 1 10

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370 Advance

System should specify any deposit account maintained by the customer in any branch of the Bank for the purpose of loan recovery through standing instruction. Verify for a loan recovery through a standing instruction. If it is not possible verify the execution of the Standing instruction.

M A 10 1 10

371 AdvanceOn repayment, the relevant loan limit of the customer to be updated(e.g. OD a/c against multiple security). M A 10 1 10

372 Advance

Functionality to recover interest first in case of partial recovery. The system should also have the ability to apportion the installment amount between principal and interest .

M A 10 1 10

373 AdvanceProvision to adjust the loan amount outstanding with the margin amount if held in separate account with the bank. M A 10 1 10

374 AdvanceProvision for auto rescheduling after moratorium / holiday period or after final disbursement has also taken place. M A 10 1 10

375 AdvancePost dated cheques maintenance and tracking a/c wise.

M A 10 1 10

376 AdvanceEMI to be re-fixed automatically- In case of change in ROI depending upon remaining period of repayment. M A 10 1 10

377 AdvanceFacility to generate an EMI schedule giving break up of principal, interest and balance o/s for the tenure of the loan.

M A 10 1 10

378 AdvanceFacility for adjustment of payment should be parameterised as - towards a) Interest first, b) principal first, c) other charges first.

M A 10 1 10

379 AdvanceFacility to maintain ADHOC CC/OD should be available. Interest calculation for ADHOC as per Banks policy should be parameterised at product level.

M A 10 1 10

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380 Advance

In case of SI, if balance in the account is lower than the SI amount then balance in the account except minimum balance should be transferred to the loan account.( In case of Term loan SI amount should be Installment + Interest + overdues) as per the option of the user

M A 10 1 10

381 AdvanceAuto recovery option should be available in case of due/overdue amount M A 10 1 10

382 AdvanceSystem should have provision for recovering Loan installment/interest through ECS/NEFT for EMI / non EMI

M A 10 1 10

383 AdvanceThe schedule of disbursement (to be disbursed in full at a time or disbursed in given number of phases), mode of disbursement etc should be parameterised.

M A 10 1 10

384 AdvanceDisplay arrears charge / commission if any, at the time of transaction/ posting/ authorization etc. M A 10 1 10

385 Advance

Recover charges applicable to an account when the account has a favorable balance and store the unrecovered portion and recover the same as soon as the account comes to favorable balance.

M A 10 1 10

386 Advance

There sould be provision to modify / waive any charge for a particular customer as sometimes Bank charge less than the normal rates for various services or even waive the same in case of high net worth (HNI) customers.

O A 4 1 4

387 Advance

System should print a notional loss report for a customer / group in the event charges have been waived to the particular accounts / special rates have been specified for those particular accounts vis – a – vis the set global charges (as per Bank’s policy)

O A 4 1 4

388 AdvanceProvision to Collect Interest Tax or any other type of predefined tax. Proper accounting of such Taxes for verifications.

M A 10 1 10

389 AdvanceValue-dating for the transactions in respect of responding Cr & Dr advices. M A 10 1 10

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390 Advance

Provide details of commission/Interest amounts etc received from one account to decide value of connection in order to consider concessional service charges. M A 10 1 10

391 AdvanceFacility for providing alarm on exceeding DP, sanctioned limits/excess drawings in any account at the time of doing any transaction.

M A 10 1 10

392 Advance

System should have provision of adjustment of balances in various Loan accounts against which deposit accounts are pledged on its due dates and adjust the balances if any from the credit balances in CC/SB/CA of the borrower.

M A 10 1 10

393 Advance

System should have provision of auto charging of service charges including service tax & other applicable taxes as per Bank’s guidelines on various products/services. M A 10 1 10

394 AdvanceSystem should have provision of payment of maturity proceeds of FDR/RD pledged to other branches on due dates for adjustments of their loan accounts.

M A 10 1 10

395 AdvanceSystem should have provision of automatic generation of debit/credit advices to the customers at the time of day-end.

M A 10 1 10

396 AdvanceLimit tracking and validation at the time of transaction posting M A 10 1 10

397 AdvanceSystem should prompt pending insurance renewal and other type of obligations of the Customers. D A 6 1 6

398 AdvanceSystem should have provisions to add comments / notes for all transactions referred to higher authorities for approvals .

M A 10 1 10

399 Advance

System should have provision to distinguish on transaction type. (Disbursement,Installment,Margin,Charges,Interest,Insurance etc.)

M A 10 1 10

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allotted

400 AdvanceProvision to generate report on sanction made by respective sanctioning authority at Branch / Controlling office level during a month or any given period .

M A 10 1 10

401 Advance

Provision to generate disbursal report for a given period for various products / sectors / schemes. There should be flexibility to generate report in desired manner viz. branchwise / Region-wise/Borrower-wise

M A 10 1 10

402 Advance

Provision to generate outstanding balance report for a given period for various products / sectors / schemes. There should be flexibility to generate report in desired manner viz. branchwise / Region-wise/Borrower-wise/Sector-wise

M A 10 1 10

403 Advance

Provision to generate overdue report for a given period for various products / sectors / schemes. There should be flexibility to generate report in desired manner viz. branchwise / Region-wise. Provision to generate overdue report for a future date.

M A 10 1 10

404 Advance

Provision to generate report on outstanding NPA as also provision and uncharged interest on a given date for various products / sectors / schemes. There should be flexibility to generate report in desired manner viz. branchwise /Region-wise /borrowerwise.

M A 10 1 10

405 Advance

Provision to generate report on fresh slippage to NPA during a given period for various products / sectors / schemes. There should be flexibility to generate report in desired manner viz. branchwise /Region-wise/

M A 10 2 20

406 Advance

Provision to generate report on accounts showing warning signals / threat for slippage to NPA as on a given date for various products / sectors / schemes. There should be flexibility to generate report in desired manner viz. branchwise / Region-wise /borrowerwise.

M A 10 3 30

407 AdvanceProvision to generate Balance confirmation / Insurance reminders. M A 10 1 10

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allotted

408 AdvanceProvision to generate cheque return memo in case of return of cheques. O A 4 1 4

409 AdvanceProvision to generate Overdue Interest/Installment arrears notices. M A 10 1 10

410 Advance

Provision to generate statuary/ regulatory Reports/Certificate to be submitted to RBI/Govt. (BSR,DCB, SCC, LBR, Govt. sponsored schemes, Special Agricultural Credit Plan, Minority Community, Report on Kisan Credit Card, SSI without collateral security, PMEGP etc.)

M A 10 2 20

411 Advance

Provision to check for interest/loans not recovered due to insufficient balance, the system automatically generate a report showing all account balances of the customer so that the management can decide on recovering the loan from another account of the customer.

D A 6 1 6

412 Advance

Provision to generate Interest Certificate for loans, Letter of thanks, Letter of frequent cheque return, Limit due date, Non-submission of stock/Book debt/ QIS/ Annual return/ CMA date, Balance confirmation

M A 10 1 10

413 Advance

System should generate a report as on a particular date / range of dates on exercise of delegated powers by each of the Sanctioning authorities during their entire tenure in a particular branch, department, office etc. for monitoring as to whether the sanctioning authority has exceeded delegated powers and to highlight such discrepancies along with the details of the entire transaction.

D A 6 1 6

414 Advance

Provision to generate report on interest earnings/commission for a given period for various products / sectors / schemes. There should be flexibility to generate report in desired manner viz. branchwise / zonewise /statewise.

M A 10 1 10

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415 Advance

Provision to generate report on LC devolved & BG invoked during a given period giving therein date of devolvement / invocation, amount of devolvement / invocation, recovery, present dues. There should be flexibility to generate report in desired manner viz. branchwise / zonewise /accountwise.

D A 6 1 6

416 Advance

Provision to generate report on expired BG but not deleted from the system as on a particular date, giving therein date of expiry, amount, name of the beneficiary. There should be flexibility to generate report in desired manner viz. branchwise / zonewise /accountwise.

M A 10 1 10

417 Advance

Provision to generate report on outstanding unsecured advances as on a given date. There should be flexibility to generate report in desired manner viz. branchwise / Region-wise /accountwise/productwise/ sectorwise/asset classificationwise /riskgradewise.

M A 10 1 10

418 Advance

Provision to generate report on outstanding advances as per asset classification & provision there on against as on a given date. There should be flexibility to generate report in desired manner viz. branchwise /Region-wise /accountwise/ sectorwise/asset classificationwise /risk grade-wise.

M A 10 1 10

419 AdvanceProvision to generate advance sheet of the branch as on a given date and consolidation of the same –Region-wise/bank as a whole.

M A 10 1 10

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allotted

420 Advance

Provision to generate conductsheet of various a/cs containing there in all relevant parameters such as name of the a/c, facilitywise credit limit & present o/s, average/maximum utilization, Ttoal (dr/cr) turnover in the a/c, maximum & minimum balance, overdue interest / installment, devolvement or invocation of LC or BG / returning of cheques or bills etc. for a given period of time, there should be flexibility to generate reports in desired manner viz report for a particular a/c, report for group of borrowers under given range of credit size / product / sector / industry / a combination of above parameters.

M A 10 3 30

421 Advance

Provision to generate reports on interest ratewise deployment of credit (below PLR, At PLR, Above PLR) as on a particular date for branch/zone/bank as a whole. There should also be flexibility to modify such reporting formats to get desired statistics viz productwise /sectorwise/industrywise/riskgradewise etc.

M A 10 2 20

422 AdvanceProvision to generate report on sectoral deployment of fund on RBI format. M A 10 1 10

423 Advance

Provision to generate report on migration of standard loan assets from a particular risk-grade to default grade. There should be flexibility to generate reports in desired manner viz report for group of borrowers under given range of credit size / product / sector / industry / a combination of above parameters.

D A 6 1 6

424 Advance

Provision to generate report on yield on advances as on a given date. There should be flexibility to generate report in desired manner viz. branchwise / Region-wise /accountwise/ sectorwise/ riskgradewise.

M A 10 3 30

425 AdvanceSystem should have provision of generating exceptional transactions list of advances at the day-end as also capturing daily list register.

M A 10 1 10

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allotted

426 AdvanceProvision to generate report on borrowers enjoying multiple credit facility and / or enjoying credit facility from more than one branch.

M A 10 1 10

427 Advance

System should have provision of recasting of statement of accounts notionally on the basis of changed ROI retrospectively and refunding/charging difference of interest thereof.

M A 10 2 20

428 AdvanceSystem should have provision to parameterise the quarterly review of accounts. M A 10 1 10

429 AdvanceSystem should have provision of capturing drawing power register. M A 10 1 10

430 AdvanceSystem should have facility to generate data on cash withdrawal frequency in CC account during a particular period.

M A 10 1 10

431 AdvanceSystem should have provision for booking income based on mercantile system. M A 10 1 10

432 AdvanceSystem should have provision for capturing various loans granted to a single or multiple borrowers against the same security as primary or collateral.

M A 10 1 10

433 AdvanceSystem should have provision for parameterising as well as automatic generation of monthly progress reports on priority sector credit.

M A 10 1 10

434 AdvanceSystem should have provision for generation of no-dues certificate in case of closure of loan account after verifying if there is any other loans.

M A 10 1 10

435 AdvanceSystem should have provision for generating facility as well as limit-wise outstanding certificate to customers as and when sought.

M A 10 1 10

436 AdvanceFacility for providing the list of defaulters and actions if any taken against them (to be displayed with a flash). M A 10 1 10

437 AdvanceAccount wise master Report containing all the relevant details. M A 10 1 10

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allotted

438 AdvanceSecurity Register to be captured from relative security data (security type, amount, date, maturity date, due date for installment/premium, etc.)

M A 10 1 10

439 AdvanceEnquiry about - a) Product specific EMI, b)O/S Balance, c) Overdue installment / interest,d) all accounts pertaining to customer be listed altogether.

M A 10 2 20

440 Advance Flexibility for generating designable reports. M A 10 2 20

441 AdvanceSystem should generate warning signals for other linked accounts when repayment is overdue in one a/c. M A 10 1 10

442 Advance

System should generate warning signals /alerts x days before accounts coming under technical NPAs due to non submission of stock statements, review of a/c, in excess of certain specified period.

M A 10 1 10

443 AdvanceFacility in the system to arrive at the compromise amount/ calculation of bench mark sum as per the parameters of the particular module.

D A 6 1 6

444 AdvanceSystem should intimate the branches/the regional-offices for the acceptance/ rejection of proposals in respect of loans/compromise/ write-off proposal etc.

D A 6 1 6

445 AdvanceProvisional as well as actual certificate on interest application in Housing Loan account for income tax purpose.

M A 10 1 10

446 AdvanceSystem should support maintenance of stock register with all previous and new details of stock/drawing power. M A 10 1 10

447 AdvanceRBI surveillance, OSS reports,RBI Inspection reports,DCB Registrar should be generated through system

M A 10 3 30

448 AdvanceLetter to Beneficaries such as Govt.Authorities for LC/attachment/balance confirmation/LC invocation should be generated

D A 6 1 6

449 AdvanceConfidential Report(CR) should be generated as per IBA format M A 10 1 10

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allotted

450 Advance Report of wilful defaulters with quarterly modificaion M A 10 1 10

451 Advance

System should generate a report showing excess over limit, number of time over drawn, TOD, number of time bills purchased without limit for all types of loan / advance account as on a particular date / range of dates for a particular party / group.

M A 10 1 10

452 Advance

System should generate list of audit irregularities / adverse remarks made by RBI / NABARD inspectors in each account and also gauge the overall adverse impact of such irregularities on the account based on weightage (parameterisable) assigned to each type of irregularity

M A 10 2 20

453 Advance

System should classify operative accounts like SB/CA where ad-hoc (TOD) remaining unadjusted and Bills/cheque purchased can be classified as NPA. M A 10 1 10

454 Advance

System should have provision to classify all borrowal a/cs of a customer as NPA if any account of that borrower turns NPA. M A 10 1 10

455 Advance

If an NPA account becomes regular at a later date, the other accounts classified as NPA by virtue of being accounts of the same borrower, should automatically become regular accounts if otherwise in order.

M A 10 1 10

456 Advance

System should provide Listing of accounts, which are standard, but are classified as NPA by virtue of one or more account/s of the same borrower becoming NPA. M A 10 1 10

457 Advance

System should support reporting of all or selective NPA accounts with multiple selections like Region-wise, Branch-wise, Asset-wise, Facility-wise, Sector-wise, Segment-wise, etc. in any order of preference.

M A 10 3 30

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allotted

458 Advance

System should support identifying a set of accounts that need not be classified as NPAs, despite being NPA as per recovery norms. (D/L against NSC/FDR/LIC, Staff loan) M A 10 1 10

459 Advance

System should support in selected cases, (depending on the nature of liquid securities), NOT transferring the account to NPA even if interest is not paid, so long as the balance outstanding is less than the value of the security minus margin if any.

M A 10 1 10

460 Advance

Provisioning for Standard Assets at Head Office level / branch level (parameterized)

M A 10 1 10

461 Advance

system should support classification / Re-classification of an account consequent to rescheduling.

M A 10 1 10

462 Advance

Classification of accounts and provisioning for accounts where advances are sanctioned against Government Guarantees while Guarantee is invoked (parameteized) M A 10 1 10

463 Advance

System should support distinction between advances granted before rehabilitation and after rehabilitation for purpose of classification / provisioning. M A 10 1 10

464 Advance

Moratorium period for repayment of interest if any in case of accounts under rehabilitation.

M A 10 1 10

465 Advance

System should keep record of cumulative as well as progressive provisioning.

M A 10 1 10

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allotted

466 Advance

Based on present classification, forecasting with projected asset classification and projected provisioning for any given future date. D A 6 1 6

467 Advance

System should be capable of reversing the interest from P/L, if an asset is subsequently reclassified by the auditors. M A 0 2 0

468 Advance

System should provide for classification of the accounts as NPA as per prudential norms for example : (i) if Interest and/ or installment of principal remains overdue for a period more than 90 days in respect of a term loan, (ii)the account remains out of order for a period of more than 90 days in respect of an Overdraft/Cash Credit, (iii) The bill remains overdue for a period of more than 90 days in the case of bills purchased and discounted, iv) Interest and/or installment of principal remains overdue for two harvest seasons but for a period not exceeding two half years in the case of an overdue granted for agricultural purposes, or v) any amount to be received remains overdue for a period of more than 90 days in respect of other accounts. (totally parameterized)

M A 0 4 0

469 Advance

System should classify borrowal accounts into SSA/DA/LA automatically as per age of NPA.

M A 10 1 10

470 Advance

System should automatically calculate the required provisioning for SSA/DA-1/DA-2/DA-3/LA.

M A 10 1 10

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allotted

471 Advance

System should provide for Sectoral Deployment Codes like Agriculture/ SSI/ OPS/ Medium and Large Scale Industry/Wholesale Trade/ Govt. Sponsored Schemes/Retail Lending and other sub-classifications.

M A 10 1 10

472 Advance

System should retain the details relating to provisioning already made in respect of SSA/DA/LA while upgradation of NPA and also recalculation of provision required. M A 10 1 10

473 Advance

System should credit the interest payable, if any on Fixed Deposits to the loan accounts against FDR. Also, the FD itself on maturity if consented. M A 10 1 10

474 Advance

System should allow reduction in amount of prudential write-off from the outstanding gross advances and gross NPAs to eliminate any distortion in the quantum of NPAs being reported.

M A 10 1 10

475 Advance

System should warn that the account/ limit will become NPA in case irregular drawings are permitted in the account for a continuous period of 90 day norms. D A 6 1 6

476 Advance

In case of take over of an asset from outside the institution, system should retain the actual date of NPA as well as the date of take over of the asset. M A 10 1 10

477 Advance

System should provide for compilation of comprehensive data region-wise, branch-wise in respect of NPA/Provisioning etc. at one go, which may be required by the Statutory /Concurrent Auditors.

M A 10 1 10

478 Advance

System should provide aggregate amount of prudentially written off and Book Balance in case part of the NPA is written off. M A 10 1 10

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allotted

479 Advance

System should calculate the amount of “concession allowed” as per the recovery policy (Notional amount due less compromised amount) D A 6 1 6

480 Advance

System should provide for down payment of X% and monthly installments for the remaining Y% with PLR linked rate of interest. D A 6 1 6

481 Advance

System should provide comprehensive report of NPA accounts on the basis of size/ age/ sector/ segment / scheme-wise, either with or without including MOI. M A 10 2 20

482 Advance

System should have facility to appropriate any recoveries made in NPA accounts as per bank’s recovery policy for eg. firstly towards reduction of balance in NPA, secondly towards reduction of balance held in OD Interest Reserve and lastly towards interest.

M A 10 2 20

483 Advance

System should split balances in NPA into different blocks like Secured/ Unsecured/ Guaranteed balances depending on extent of security available and other particulars available in the account master.

M A 10 1 10

484 Advance

System should recalculate interest based on defined parameters on decreed and compromised proposal accounts as the terms of the decree / compromise terms. M A 10 1 10

485 Advance

System should arrive at a compromisable amount across multiple schemes given the interest details for NPA accounts / any other method of calculation as desired by the Bank.

O A 4 1 4

486 Advance

System should automatically apply / recover penal interest for out of order accounts as defined in the charges / commission module. M A 10 1 10

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allotted

487 Advance

System should identify the account status transfer / retransfer information (E.g. Date on which the account was transferred from doubtful to loss etc.) M A 10 1 10

488 Advance

System should generate warning messages / alerts in respect of accounts coming under technical NPA's, due to overdue reviews, stock statements in excess of x (parameterisable) months vintage, valuation reports in respect of collaterals being in excess of 3 years vintage.

O A 4 1 4

489 Advance

System should generate list of accounts going out of order / frequency of such out of order position, at any given point of time. M A 10 1 10

490 Advance

System should generate list of accounts wherein adhoc / overlimit / TOD sanctioned, along with frequency of such sanctions in each account, due date for regularisation and warning message regarding overdue position.

M A 10 1 10

491 Advance

System should generate appropriate warning messages about frequent (parameterisable) return of cheques in a particular account. Check for the parameter to specify the number of returns after which an alert is to be generated.

M A 10 1 10

492 Advance

System should verify whether an account has been referred to CDR mechanism or BIFR and generate statements of such accounts with other desired parameters (user definable).

M A 10 1 10

493 Advance

System should generate list of audit irregularities / adverse remarks made by RBI/ NABARD inspectors in each account and also gauge the overall adverse impact of such irregularities on the account based on weightage (parameterisable) assigned to each type of irregularity

M A 10 1 10

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allotted

494 Advance

System should analyses movement in various financial parameters over the past period and forecast the prospects of the account in terms of Asset Code for the next six months based on the analysis.

O A 4 1 4

495 Advance

System should group accounts under different asset classification e.g. NPA, sub - standard, loss etc. under particular account heads, industries, sector / sub - sector, credit ratings, interest rates etc. e.g. NPA's under Cash Credit Accounts

M A 10 1 10

496 Advance

System should generate a branch - wise list of NPA accounts (with the details as defined by the Bank) beyond and cut - off amount as on any date / range of dates M A 10 1 10

497 Advance

Ability to record receipt of NPA review statements and to automatically update the next review dates. Further the system should automatically generate warning messages and escalate the matter upwards as defined in the event the review statements have not been submitted on time. (Period to be user definable). Check for support of this feature (e.g. BIFR/CDR).

M A 10 1 10

498 Advance

System should identify units as sick units and maintain them under nursing program with all details as desired by the Bank O A 4 1 4

499 Advance

System should define sanctioning authorities for compromise / write - offs based upon amounts, customer, type of loan etc. Check for the support of the feature. (Discretionary authority)

D A 6 1 6

500 Advance

System should capture the details of the compromise / write - off as desired by the bank.

D A 6 1 6

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allotted

501 Advance

System should capture the recommendations of the compromise committee.

D A 6 1 6

502 Advance

System should intimate the branches / regional offices for the acceptance / rejection of the compromise / write off.

D A 6 1 6

503 Advance

System should automatically generate reminders where the compromise amounts are due (period to be parameterisable). Check for the support of the feature. D A 6 1 6

504 Advance

System should generate various letters, reports, statements in the desired formats related to compromise / write – offs. D A 6 1 6

505 Advance

System should specify the NPA recovery targets, branch - wise , region wise etc. System should compare the actual with the target and highlight and print a report of differences along with the percentage and amount difference.

M A 10 1 10

506 Advance

System should specify targets for recovery and benchmark them against the actual and highlight difference. Check for the targets to specify the recoveries. D A 6 1 6

507 Advance

System should track and display status of claims on the Bank not acknowledged as debts.

D A 6 1 6

508 Advance

System should store date of posting of cases and a short description of court proceedings and next posting date as well as particulars of recoveries if any. M A 10 1 10

Page 47 of 127



allotted

509 Advance

System should support partial write-off.

D A 6 1 6

510 Advance

System should maintain a master list of lawyers (City wise/Region wise) for each type of subject matter eg. Criminal, Civil, DRT, High Court,Arbitrator M A 10 1 10

511 Advance

System should mark accounts referred to BIFR as well as rehabilitation or nursing scheme

D A 6 1 6

512 Advance

System should classify accounts as “Suit Filed” as defined in the account hold and restriction module for the particular type of account, product / scheme. Further the system should be able to capture the details for the suit filed case such as name of the lawyer, case presentation date, additional notes, lawyers notes etc. for each suit file account, success rate for each case. Further Classify the suit filed account slabwise (amount parameterised) Secured/ Unsecured suitfiled.System should track the legal action taken for NPA accounts and generate alerts

D A 6 1 6

513 Advance

Provision to alert system for due date of court proceedings.

D A 6 1 6

514 Advance

Latest position and dates of suit filed cases, decreed cases, value of security etc.

D A 6 1 6

Page 48 of 127



allotted

515 Advance

System should have provision to monitor/conduct the account for operation on reduction basis whenever recovered. D A 6 1 6

516 Advance

System should have provision of maintenance of ledger balance in NPA accounts etc.and appropriation of recoveries and calculation of notional/uncharged interest in NPAs.

M A 10 1 10

517 Advance

System should have provision of monitoring on the basis of annual/quarterly targets under various key parameters vis-à-vis achievement thereof. (advances /NPA reduction/derocgnised interest/ write-off)

D A 6 1 6

518 Advance

System should have provision of maintaining write-off accounts and notional interest along with history.

D A 6 1 6

519 Advance

System should have facility to maintain relevant data pertaining to certain key performance levels based on which limits are sanctioned and also to monitor variations on those at the year end or at any point as desired.

D A 6 1 6

520 Advance

System should have provision to calculate notional interest to arrive at amount of sacrifice as and when required in connection with compromise proposals. M A 10 1 10

521 Advance

Provision for calculating delayed payment interest of the delay in repayment of dues as per the terms of sanction of compromise proposal. M A 10 1 10

522 Advance

Provision to calculate future interest where the compromise sum is payable over a period of time in installment. M A 10 1 10

Page 49 of 127



allotted

523 Advance

System should identify the account eligible for action under Securitisation & should have process to record as follows:Possession date & noticedetail of Possession or waiver/postponement of possession(date should be mandatory)

M A 10 1 10

524 Advance

Provision to process compromise proposal as per various compromise modules of Bank for placing before the competent authority. It should take in to account partial written-of balance if any along with ledger balance in such compromise proposal.

M A 10 1 10

525 Advance

System should have provision to identify and generating requisite information required on accounts eligible for sale to asset reconstruction companies.(ARC/ACRIL) O A 4 1 4

526 Advance

Record of Suit filed accounts with provision to classify based on age, amount, suit filed, decreed,execution filed

M A 10 1 10

527 Advance

Follow up of Suit filed cased -a) Name of the court, b) Suit No and amount, c) Ledger Balance, d) Name of the Advocate and Address, e) Status of Suit, f) Details of legal expenses, g) next date with provision to give advance information on daily basis prior to the date of suit.

M A 10 1 10

528 Advance

Identification of accounts eligible for filing suits with concerned authorities by clubbing all the facilities.

D A 6 1 6

Page 50 of 127



allotted

529 Advance

Identification of accounts eligible for waiver of legal action and preparation of proposals for placing before the competent authority O A 4 1 4

530 Advance

Identification of eligible accounts for write off and preparation of proposals for placing before the competent authority O A 4 1 4

531 Advance

Proposal for Write off in Approved Compromise cases

O A 4 1 4

532 Advance

Automatic credit in the concerned a/c on approval of w/off proposal by the competent authority

O A 4 1 4

533 Advance

Generation of consolidated statement of suit filed accounts

M A 10 1 10

534 Advance

Generation of Weekly/Fortnightly (Parameterised frequency) statement of NPA reduction / recovery

M A 10 1 10

535 Advance

System should generate reminders for the installments in compromised sanctioned accounts

M A 10 1 10

536 Advance

Facility to mark accounts as suit filed, decreed cases, wilful defaulters etc and no debit to be permitted without proper authorisation. D A 6 1 6

Page 51 of 127



allotted

537 Advance

Facility to alarm the list of accounts to adjust back end subsidy on account becoming NPA.

M A 10 1 10

538 Advance

System should generate report of all the accounts of borrowers as well as guarantors.

M A 10 1 10

539 Advance

Provision to calculate the amount of eligible incentive and payment of the same to the enforcing agency or recovery agent D A 6 1 6

540 Advance

Remittance of Proportionate share of recovery to ECGC.

D A 6 1 6

541 Advance

Provision and maintenance of subsidy reserve fund (Back ended subsidy e.g. in PMEGP

M A 10 1 10

542 Advance

In Retail lending salary tied up accounts to be grouped organization-wise for effective follow up.

M A 10 1 10

543 Advance

Separate Menu for customers as per their constitutions.

M A 10 1 10

544 Advance

Record of follow up to be recorded directly in system against individual accounts.

M A 10 1 10

Page 52 of 127



allotted

545 Advance

At the time of data conversion the system should compute overdue amount and asset classification(i.e. whether NPA, date of NPA) on the basis of date and amount of advance, gestation period, rate of interest, repayment schedule and present outstanding.

M A 10 2 20

546 Advance

System should have separate menus for different retail lending schemes.

M A 10 1 10

547 Advance

In case of advance against Bank deposits borrowal accounts should be clubbed with deposit a/c and both can be managed together. M A 10 1 10

548 Advance

Details of balance confirmation obtained as also fresh documents to be updated.

M A 10 1 10

549 Advance

Provision for calculation of sacrifice to be borne by the bank in case of such restructuring and by way of a provision to be made by a bank for this sacrifice in case of BIFR/CDR mechanism.

D A 6 1 6

550 Advance

System should have provision for tracking and regulating industry-wise exposure norms both individual as well as group. M A 10 1 10

551 Advance

System should have provision for cheque referred register.

M A 10 1 10

Page 53 of 127



allotted

552 Advance

System should have provision of capturing detailed position of accounts including sublimits allocated to other branches on the following parameters: Nature of facility. Funded or non-funded, Type of facility. CC, TL etc., Limits sanctioned. Date/Amt/Authority., Value of security.(Primay/Collateral), Margin (Stipulated/held), Dr.Balance.,Nature of irregularity., ROI, Average,Maximum,Minimum utilization

M A 10 3 30

553 Advance

System should define criteria (user definable) for an account going out of order. Eligible for OTS, etc.

D A 6 1 6

554 Advance

System should accept re-scheduling of any loan with proper authentication and there should be details of the sanctioning authority (Name, Designation etc). D A 6 1 6

555 Advance

Verify for maintenance of history for rescheduling

D A 6 1 6

556 Advance

Record of Pre-credit visits and post credit verification of security including collateral security.

M A 10 1 10

557 Advance

System should link daily market price share etc. in respect of advances granted against shares.

D A 6 1 6

558 Advance

System should have provision for system alert for expiry of limitation period and generate report of time barred account. M A 10 1 10

Page 54 of 127



allotted

559 Advance

Provision to bifurcate the advances under capital market exposure into individual, stock brokers, market makers etc. O A 4 1 4

560 Advance

Provision to sub-categorise the advances under real estate as – commercial real estate, residential real estate, builders/developers real estate etc. M A 10 1 10

561 Advance

Provision to record customer-wise details of legal expenses paid by debit to charges account

M A 10 1 10

562 Advance

Provision to maintain record of accounts closed through compromise/OTS.

M A 10 1 10

563 Advance

Record of failed compromise.

M A 10 1 10

564 Advance

System should generate report at the time of day-end for bills received for collection /falling due for payment on next working date and PDCs to be presented on next working day.

M A 10 1 10

565 Advance

Provision to generate information on various incentive schemes under given parameters for accessing performance. D A 6 1 6

566 Advance

Provision to derive information of relationship of the Borrower with director/senior executive of the Bank(if any). M A 10 1 10

Page 55 of 127



allotted

567 Advance

System should parameterize the review frequency for each account/document

M A 10 1 10

568 Advance

System should generate the warning message x no.of days prior to review date and parameterise review period.

M A 10 1 10

569 Advance

System should generate a letter to a customer x no.of days prior to review/expiry of documents/ Limits requesting him to renew the documents. M A 10 1 10

570 Advance

Auction based recovery to be recorded in the system and its effect on account updation should be tracked as per electronic as well as public auctions M A 10 1 10

571 Advance

System should generate the warning message x no. of days prior to due date of liquid security pledged to the Bank.(LIC/NSC/ Bonds etc.) M A 10 2 20

572 Advance

Direct / indirect liability/assets should be available for all borrower/guarantors

M A 10 1 10

573 AdvanceAll the details of the Bills should be captured (Date, Drawer, Drawee, Payee, Tenor, Due date, Amount, ROI, Commission, Postage, To whom sent, etc)

M A 10 1 10

574 Advance

System should have provision for generating bills/cheques discounted/Purchased with all relevant information regarding recording of due dates etc. showing register. M A 10 1 10

575 AdvanceProvision for issue of warning if drawees of the bill have earlier not paid bills on due date. M A 10 1 10

Page 56 of 127



allotted

576 AdvanceSystem should show FC & INR and combined liabilities of a customer (with Margin money if any) D A 6 1 6

577 AdvanceLiability entries should be automatically generated by the system on authorization of a transactions for guarantees and LCs.

M A 10 1 10

578 AdvanceInterest charging on Bills should be parameterized (from due date - date of discount till due date etc) M A 10 1 10

579 AdvanceProvision for shifting Documentary Bills from collection status to Purchase status. D A 6 1 6

580 AdvanceSystem should define criteria for devolvement of L/Cs and Bank Guarantees. D A 6 1 6

581 AdvanceSystem should generate appropriate warning messages / letters 'x' number of days (parameterisable) before such LC payment.

D A 6 1 6

582 AdvanceSystem should have provision of squaring-up liability on account of LC on retirement of Bills. M A 10 1 10

583 Advance

System should have provision of opening and maintaining inward/outward bills for collection and auto-generation liability vouchers for GL on date of incurring liability and paying of liability.

M A 10 1 10

584 Advance

Provision for maintenance of data relating to issuance of different types of LC and BGs( to be parameterised) and calculation of due dates, effective dates, expiry dates,etc. and generation of contingent liability voucher.

M A 10 1 10

585 AdvanceCalculation of LC commission based on the nature of LC (DA/DP) and usance period and generation of voucher/debit advices for the customers

M A 10 1 10

586 Advance

Calculation of B/G commission(including claim period) based on the nature of BG (Performance/ financial , etc) and generation of voucher/debit advices for the customers M A 10 1 10

587 AdvanceProvision for printing hard copy of LC/BankGuarantee

M A 10 1 10

Page 57 of 127



allotted

588 AdvanceAcceptance and record of bills received under L/c and calculation of due dates, generation of due date confirmation advice

M A 10 1 10

589 Advance

Retirement/ payment of bills received under L/c including calculation of the interest for the usance period and commission if any (as per terms of L/c), generation of vouchers

M A 10 1 10

590 AdvanceProvision for warning regarding due date of payment of bills under L/c and expiry of B/G M A 10 1 10

591 AdvanceProvision for Cancellation of unexpired LC/BG at any point of time and reversal of contingent liabilty voucher, commission.

M A 10 1 10

592 AdvanceProvision for generation of notice to the beneficiary to return guarantee after expiry of validity. M A 10 1 10

593 AdvanceSystem should extend period of guarantee/due date of LC and enhance or reduce the amount of guarantee/LC& provision for amendment of terms

M A 10 1 10

594 AdvanceCancellation of guarantee and reversal of contingent liability voucher after receipt of Guarantee/after expiry of claim period.

M A 10 1 10

595 Advance

In case of non-availability of sufficient balance at the time of payment of LC , a separate LC devolved account to be debited and whenever there will be balance in customer’s regular account the balance in LC devolved account (TOD) to be adjusted automatically against regular CA/CC/OD a/c along with uptodate interest.

M A 10 1 10

596 AdvanceIn case payment of LC is made to the debit of LC devolved account system should give warning at the time of operation in the regular CA/CC/OD a/c.

M A 10 1 10

597 AdvanceProvision for IBA approved list of Transport operators

M A 10 1 10

Page 58 of 127



allotted

598 AdvanceProvision for report generation for outstanding bills purchased/sent for collection as per user's choice. M A 10 1 10

599 AdvanceProvision for entering details of documents related to the bills purchased/ sent for collection. M A 10 1 10

600 Advance

Provision to adjust the proceed of the bills in the corresponding bill purchase outstanding and automatic generation of vouchers and debit/credit advices for the customers

M A 10 1 10

601 AdvanceGeneration of Reports- Position of outstanding bills, overdue bills, reminder in case of non-receipt of the bills on the due date,etc. according to user's choice.

M A 10 1 10

602 AdvanceSystem should provide accountwise information of expiry of BG. M A 10 1 10

603 AdvanceSystem should have provision of recording Lien on FDR/RD/SB/CA balances against non-fund facilities(BG/LC) and Loans granted by other branches.

M A 10 1 10

604 AdvanceIn case of BG partywise ledger should be maintained with limits(normal/adhoc) M A 10 1 10

605 AdvanceFacility for automatic submission of letter of confirmation from Bank D A 6 1 6

606 AdvanceFacility for SFMS messages creation / transfer to NEFT/SWIFT/RTGS M A 10 1 10

607 AdvanceChecklist Menu for LC

M A 10 1 10

608 AdvanceStandard guidelines for FEMA , UCPDC

M A 10 1 10

609 AdvanceProcess should be available for noting/protesting of Bill

M A 10 1 10

610 AdvanceLetter to counter bank for issue of BG

M A 10 1 10

611 AdvanceLetter to advising bank and confirming bank

M A 10 1 10

Page 59 of 127



allotted

612 AdvanceLetter to negotiating bank for confirmation

M A 10 1 10

613 AdvanceGroupwise/customerwise exposure report for BG,LC opening and discounting M A 10 1 10

614 AdvanceGroupwise/customerwise ledger report for BG,LC opening and discounting M A 10 1 10

615 HR

System should record basic Master Data for an Employee for following areas along with all related and incidental information contains atleast the following:

M A 10 1 10

616 HR

PF Number (For new employees who are on probation should be provided with a temporary number which can be shifted later to a permanent PF Number) should be diff for temp and permanent employee

M A 10 1 10

617 HR Name M A 10 1 10

618 HR Father’s Name & Mother's Name M A 10 1 10

619 HR Husband / Wife’s name M A 10 1 10

620 HR Permanent Address M A 10 1 10

621 HR Address for Communication M A 10 1 10

622 HR Phone Numbers / Contact Information & mobile no., email ID

M A 10 1 10

623 HR Home Town M A 10 1 10

624 HR Home State M A 10 1 10

625 HR Domicile State M A 10 1 10

626 HR Sex M A 10 1 10

627 HR Marital Status M A 10 1 10

628 HR Position regarding CAIIB/ JAIIB M A 10 1 10

629 HR Religion M A 10 1 10

630 HR Category (SC/ST/OBC/MINORITY/GENERAL) M A 10 1 10

631 HR Date of birth M A 10 1 10

632 HR Date of joining, probation period, date of confirmation M A 10 1 10

633 HR Scanning and storing of Employee photo, Signature with signature no.

D A 6 1 6

Page 60 of 127



allotted

634 HR Passport No. D A 6 1 6

635 HR PAN Number M A 10 1 10

636 HR Bank Account No. M A 10 1 10

637 HR Bank Branch Name and code M A 10 1 10

638 HR Blood group D A 6 1 6

639 HR

Education Qualifications – should capture the details of name of the examination passed, university/Institute, month & year of passing, percentage of marks obtained, grade/class obtained

M A 10 1 10

640 HR Present posting, M A 10 1 10

641 HR Present Job code/designation, M A 10 1 10

642 HR Present Grade/cadre, M A 10 1 10

643 HR Deputation, temporary transfers D A 6 1 6

644 HR Date of Increment M A 10 1 10

645 HR Date of joining in the present place of posting M A 10 1 10

646 HR Cadre/Region/Branch/Department D A 6 1 6

647 HR Date of Retirement M A 10 1 10

648 HR Major health problems with provision to capture the details of sickness etc.,

D A 6 1 6

649 HR Insurance details D A 6 1 6

650 HR Club memberships D A 6 1 6

651 HR Details of submission of Assets & Liabilities statement M A 10 1 10

652 HR Details promotion – sub-staff to clerical, clerical to officer and scale (cadre) wise thereafter

M A 10 2 20

653 HR Professional Qualification M A 10 1 10

654 HR Languages known, with details of speak, read and writeseparately

M A 10 1 10

655 HR History/Record of employee, major area of work should be recorded

M A 10 1 10

656 HR Staff credit society name and membership no. D A 6 1 6

657 HRAll account no. of staff loans, details of loan for calculation of perquisites for Income Tax (FBT, etc.) M A 10 1 10

658 HR Employee as guarantor with details D A 6 1 6

Page 61 of 127



allotted

659 HR Driving Licence and Renewal dates D A 6 1 6

660 HR

System should record details of spouse – name, name of the organization the spouse is working with, type of organization (state government, central government, public sector, private sector, local body, own) and is the spouse liable for transfer or not

M A 10 1 10

661 HRSystem should record details of the dependents including relationship, their date of birth, studying in school/college, monthly income/pension amount

M A 10 1 10

662 HR System should record previous posting details M A 10 1 10

663 HR System should record Date of termination/restoration M A 10 1 10

664 HR System should record Union Information (if applicable) D A 6 1 6

665 HR

System should record History of trainings attended like name of the course, name of the STC/Institution, month & year of training, duration of the course in days/weeks

M A 10 2 20

666 HR

System should record Awards received by the employee including the name of the award, year of award, in which discipline/field and date of receipt of award

D A 6 1 6

667 HR

System should record History of disciplinary actions against the employee including date of charge, nature of charge, amount of financial loss to Bank, date of punishment and nature of punishment

M A 10 2 20

668 HR

System should maintain a single history of all the training programs taken by the user whether they are class room training or self study through E - Learning and outside trainning

D A 6 2 12

669 HR

System should support for nominating officers/award staff for various trainings given by Banks own training college/centres, Outside institutes within the country and also abroad based on skill requirement

D A 6 2 12

670 HR System should compile nominations from various Regional Offices for a particular training program

D A 6 1 6

Page 62 of 127



allotted

671 HRSystem should capture the course content of each training course along with the details of the target group etc.

D A 6 1 6

672 HR

System should capture details of courses held at different centers, batch-size, faculty and participant details, participant attendance, feedback and evaluation

D A 6 1 6

673 HR System should capture and maintain history data of external instructors

D A 6 1 6

674 HR System should maintain minimum and maximum number of candidates per course.

D A 6 1 6

675 HR System should Automate the workflow of training requisitions, approvals

D A 6 1 6

676 HRsystem should maintain traning calender and fixation ofbatches as per the employee work experience D A 6 1 6

677 HR payment vouchers to faculty and should be parameterised

D A 6 1 6

678 HR

System should provide up-to-date employee information viewing at a given time. Views like date –wise, category-wise, qualification-wise, experience-wise, male-female etc. and export such information to other application if required.

M A 10 2 20

679 HRSystem should have fucntion to define important/key parameters in the HR database that may need close monitoring

M A 10 1 10

680 HR

System should capture details of Authorities given/Cancelled to the employees along with the facility to scan and store and view the signatures of the officials.

M A 10 1 10

681 HR System should capture details of Authorities of employees kept under suspension

M A 10 1 10

682 HR System should maintain signature of authorised officials and their circulation

M A 10 1 10

683 HR

System should support comprehensive leave rules for combination of leave, Leave pre-fixing and suffixing with other leaves, Leave pre-fixing and suffixing with weekly-off and paid holidays,Minimum and maximum no of days at a stretch in a specific type of leave

D A 6 1 6

Page 63 of 127



allotted

684 HR System should process leave encashment for PL M A 10 1 10

685 HR System should mainten Leave encashment record M A 10 1 10

686 HR System should interface between attendance captured with that of leave record

M A 10 1 10

687 HRSystem should maintain all types of leave like CL, PL, ML, Transit leave, special leave, maternity leave etc. for each employee

M A 10 1 10

688 HR

System should maintain leave rules for availing leave, encashing leave, accrual of leaves, lapsing of leaves, ceilings for accumulation of leaves, rules for combination of leave types, etc. for each categories of employees

M A 10 2 20

689 HR System should record leaves availed and balance leavecalculation at any point of time

M A 10 1 10

690 HR System should link Leave record to payroll and employee history

M A 10 2 20

691 HRSystem should have leave cancellation,leave extension/amendments advancement and postponement of leave M A 10 1 10

692 HR

System should have fucntion of transfer people from one leave structure to another leave structure with balance of leave in previous structure (on promotion from clerk to officer)

D A 6 1 6

693 PayrollSystem should support pooling the monthly contribution of PF,VPF in to the PF management system M A 10 1 10

694 Payroll System should Generate all types of MIS reports as per request of Bank (like pf ledger etc.)

M A 10 1 10

695 PayrollSystem should maintain nominee details and payment to nominee in case of death of an employee M A 10 2 20

696 Payroll System should perform gratuity calculation, provision &accounting employeewise

M A 10 1 10

697 Payroll System should perform forfeiture of Gratuity in case of dismissals etc.

M A 10 1 10

698 Payroll System should provide Leave Salary and Leave Encashment facility

M A 10 1 10

699 Payroll System should generate all types of reports/registers related to Gratuity management

M A 10 1 10

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700 Payroll System should be able to define multiple pay structures

M A 10 2 20

701 PayrollSystem should be able to define earning, deduction, contribution and provision heads for each pay structure M A 10 2 20

702 PayrollSystem should define various pay elements like earnings and deductions using a rules based framework M A 10 4 40

703 Payroll

System should be able to define various formulae and Should link them to other calculation formula / elements such that when there is a rule change only the component which has undergone a change will be effected & should be parameterised

M A 10 7 70

704 PayrollShould compute the dearness allowance (DA) using options such as Fixed DA, linkage to consumer price index (CPI).

M A 10 2 20

705 Payroll

System should perform tax computation and it should be handled as per Income Tax Act without any need forrepeated manual calculations. The tax slabs, rates and surcharges should be maintained by the system and the tax should be computed automatically and should be parameterised

M A 10 1 10

706 Payroll

Should handle unlimited number of allowances , deductions. Should be Should configure characteristics for payment, taxability, computation and so on to suit Banks requirements

M A 10 1 10

707 Payroll

Should compute various benefits provided to our employees such as Leave Travel Allowance, Medical Reimbursement, Medical Insurance, Furniture, House Rent Allowance, Company Cars, Company Housing and other long term reimbursements. Eligibility, computation and taxability should be considered, educational fees etc.

M A 10 1 10

708 Payroll

System should compute the Provident Fund Contributions, Labour Welfare Fund and Professional Tax as applicable at the correct frequency

M A 10 2 20

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709 PayrollSystem should calculate Gratuity and superannuation for multiple trusts and user definable contributions. D A 6 1 6

710 Payroll

System should give Statutory reports relating to PF, Pension, Income Tax, Profession Tax whether they are monthly, half yearly or annual should be available.

M A 10 2 20

711 Payroll

System should capture/access all types of loan details of an employee and the outstanding balance overdue if any through link with CBS system

M A 10 2 20

712 Payroll

System should be able to file E -TDS returns through nominated agencies by enabling the bank to compile the data at Branch/Office level and transmission of data to RO in prescribed format, consolidation of all records at RO and filing the same through nominated agencies to NSDL. Similar facility at HO also for HO TDS records & e-TDS

M A 10 2 20

713 Payroll

System should support passing of accounting entries for salary payments ex-gratia and leave encashment and arrears if any, convyance and maintenance of related books of accounts, registers. Generation of month wise, quarterly wise, half-yearly and yearly statements of accounts.

M A 10 4 40

714 Payroll System should provide an impact analysis tool for analysis of impact of salary revision

M A 10 1 10

715 Payroll System should support payment of salary to special appointees, temporary staff etc.

M A 10 1 10

716 PayrollSystem should provide link with CBS system to effect the credit of salary, loan installments to their corresponding accounts directly

M A 10 2 20

717 PayrollSystem should perform Pay slip number generation based on user defined logic such as category and pay mode

M A 10 1 10

718 Payroll

System should support to view pay details of current month, pay history, net amount paid, unpaid deductions – Employee-wise and month-wise, financial year-wise

M A 10 1 10

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719 Payroll System should allow Payment of officiating allowance based on user defined criteria

M A 10 1 10

720 Payroll

System should capture details of different perks paid to the employees/executives. Perks register and generation of perks statement for ITO and generation of vouchers

M A 10 1 10

721 Payroll

System should support payment of subsistence allowance in case of suspended employees and facility for refreezing various staff loans when on loss of pay and suspension

M A 10 1 10

722 Payroll At the time of retirement/resignation/dismissal/ the entire dues should be shown with o/s dues

M A 10 2 20

723 Payroll

System should calculate Income tax, Professional tax etc in all modules which have incidents of such taxes i.e Payroll, pension etc. The system has to adequately support all requirements of statutory tax deduction.

M A 10 1 10

724 PayrollSystem should be configuring various tax rules (e.g. Income tax, Professional taxes etc.) announced by Govt. for time to time.

M A 10 1 10

725 PayrollSystem should calculate and deduct Income tax, Professional tax etc., at the time of: Accrual and Payment

M A 10 1 10

726 Payroll

System should support for all statutory reports/tax returns, based on, but not limited to Classification of Taxes, Accounting entity, location/branch, state and nature of transaction (User modifiable format)

M A 10 2 20

727 Fixed AssetMaintenance of Assets at Branch Level with details of Date of Purchase, price, present value, rate of depreciation, category of asset, etc.

M A 10 1 10

728 Fixed Asset Provision for listing of assets branch-wise at HO Level M A 10 1 10

729 Fixed Asset Provision for listing of assets as groups such as depreciation rate wise, type of asset wise, etc. M A 10 2 20

730 Fixed Asset Provision for giving alerts for depreciation on assets during half-year end/year end process. O A 4 1 4

731 Fixed Asset Provision for calculation of profit/loss on sale of assets. M A 10 1 10

732 Fixed Asset Provision for acquisition of new assets, selling of existing assets, scrapping of existing assets M A 10 1 10

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733 Fixed AssetAn office can view only its own assets but not of other offices. The HO can view the assets of all such offices of the bank. M A 10 2 20

734 Fixed Asset

Provision for calculation of depreciation centrally at HO level. The system should generate depreciation vouchers that should be passed at office-level (branch/RO/HO etc.) and generate plain text file or in any other format that can be sent to the branches.

M A 10 3 30

735 Fixed Asset Provision for listing of items with no present value (i.e. Fully-depreciated). M A 10 1 10

736 Fixed Asset Provision for listing of scrap items. D A 6 1 6

737 Fixed Asset

System should be capable of maintaining master details of owned premises / immoveable assets and moveable assets such as date of ownership, lease period, lease exipry date, location of lease property, expiry of agreements, value of asset (original value and present book value), valuation report if any etc.

M A 10 3 30

738 Fixed Asset

System should capture details of leased out premises like ownership details, location, date of lease, details of rent payment, amount of lease, lease expiry, nature of lease, value, square ft. etc.

M A 10 1 10

739 Fixed Asset

System should support different types of depreciation methods such as strainght line, reducing balance method, written down value method etc.and it should be parameterised from item to items as per IT rules and bank policy

M A 10 3 30

740 Fixed Asset System should support parameterisation of the depreciation percentages for each asset / type of asset O A 4 1 4

741 Fixed AssetSystem should compute the depreciation as per the method and pertcentage of depreciation as specified in the parameter M A 10 1 10

742 Fixed Asset System should specify / capture tax details for calculation of applicable tax as per law of the land M A 10 1 10

743 Fixed Asset

System should maintain master details of AMC and contractors e.g. nameof the vendor, AMC amonut, period of contract, next service date, AMC expiry date etc.Arrange to issue warning messages before expiry of warranty.

M A 10 2 20

744 Fixed Asset System should sub-classify both movable and immovable assets O A 4 1 4

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745 Fixed Asset System should support movement of assets from one location to another M A 10 2 20

746 Fixed Asset System should provide for specifying insurance details for each asset M A 10 1 10

747 Fixed AssetSystem should generate warning messages for expiry / renweal of insurance x (parameterisable) number of days prior to actual expiry / renewal date

M A 10 1 10

748 Fixed AssetSystem should maintain asset inspection details such as last inspection date, next inspection date, inspection comments etc. branch-wise

O A 4 1 4

749 Fixed AssetSystem should support generation of asset inspection report along with comments of inspector of physical inspection O A 4 1 4

750 Fixed Asset System should link each asset with a unique asset number / inventory number M A 10 1 10

751 Fixed Asset System should support alpha numeric asset / inventory number M A 10 1 10

752 Fixed Asset System should maintain details on asset litigation D A 6 1 6

753 Fixed Asset System should generate a list of movable and immovable assets based on the user defined parameters. D A 6 3 18

754 Fixed Asset

System should generate a list of assets transfered / moved from one location to another along with details such as description of asset, inventory number etc. and should transfer the book value through CBS System .

M A 10 2 20

755 Fixed Asset System should generate depreciation report giving details of book value, year to year depreciation and residual value M A 10 1 10

756 Fixed AssetSystem should generate warning messages for service contracts due x (parameterisable) number of days prior to such service dates.

O A 4 2 8

757 Fixed Asset System should specify the service level agreements and link them to a particular asset D A 6 2 12

758 Fixed Asset System should upload / enter bill of material details along with part numbers, quantity, unit rate, total rate etc. D A 6 2 12

759 Fixed Asset Should support entering of asset details dispatched to a particular location and track the movement of the same D A 6 1 6

760 Fixed AssetSystem should generate an asset inspection report giving details of asset type, asset description, part number, adverse remarks etc.

D A 6 1 6

761 Fixed Asset System should record bill / invoice details submitted by the vendor M A 10 1 10

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762 Fixed Asset System should support viewing the details of the assets at the branches / department as per user rights defined D A 6 1 6

763 Fixed Asset System should permit branches / offices to enter data of assets installed / purchased M A 10 1 10

764 Fixed Asset System should have capabilities to group all assets across the bank to generate a single view of all assets M A 10 2 20

765 Fixed Asset System should have capabilities to capture original document/map scanned record. D A 6 2 12

766 Fixed Asset System should support inventory management of coded and non coded stationary and centralise management. O A 4 1 4

767 Fixed Asset Depreciation Register M A 10 1 10

768 Fixed Asset Key Register maintanance M A 10 1 10

769 Fixed Asset System should generate service tax paid register D A 6 1 6

770 Fixed Asset system should maintain disposal of all kind of properties D A 6 1 6

771 Fixed Asset Vehicle maintainance log book record should be parameterised M A 10 1 10

772 Fixed Asset Vehicle recurring and other expences maintainance M A 10 1 10

773 Fixed Asset inventory of consumable items should be available and projected consumption or budgeted expences for next year D A 6 2 12

774 Fixed Asset Record keeping of CD D A 6 1 6

775 AIMAS Capturing the details of AIMAS participating banks with code no, address, telephone number, group etc.

M A 10 1 10

776 AIMASCapturing the details of branches of the AIMAS participating banks with code no, address, telephone number, group etc.

M A 10 1 10

777 AIMAS Issuance of Demand Draft on any AIMAS participating branch by Cash/Transfer M A 10 1 10

778 AIMAS Provision for Issuance of Demand Draft in a batch. M A 10 1 10

779 AIMAS Re-validation of Demand Drafts M A 10 1 10

780 AIMAS Provision for Cancellation of Demand Drafts M A 10 1 10

781 AIMAS Provision for Stop Payment of Demand Draft M A 10 1 10

782 AIMAS Provision of record keeping with details for lost Demand Drafts. M A 10 1 10

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783 AIMASScanning of signatures of Authorized Signatories of AIMAS participating State Co-operative Banks/CCBs/UCBs

M A 10 1 10

784 AIMASVerification of Ledger Balances for various participating SCBs before issuance of Demand Drafts

M A 10 1 10

785 AIMAS Generation of Outward Demand Draft Issuance Report M A 10 1 10

786 AIMAS Generation of Inward Demand Draft Payment Report M A 10 1 10

787 AIMAS Generation of form 4A/4C/4D Report (Demand Draft Advice, same report in triplicate) M A 10 1 10

788 AIMAS Generation of Form 8-A/8-C/8-D Report (Bill Realization Advice, same report in triplicate) M A 10 1 10

789 AIMAS Generation of Form 5A/5B/5C Report (Cancellation of AIMAS Demand Draft, same report in triplicate)

M A 10 1 10

790 AIMAS Generation Form 7 Report (Intimation of Loss of Demand Draft/Stop Payment) M A 10 1 10

791 Bills

The proposed system should support all kinds of inland bill activities of our Bank prevailing as of now or that may be introduced in future and it should address the complete working requirement of such inland bill activities. The classification should be based on - Type / Tenor /Location etc and naming as per Bank's convention

M A 10 1 10

792 BillsTo allow lodgment, authorization, forwarding/schedule generation, receive of payment, realization, cancellation of bill, modification of bill, deletion of bill.

M A 10 2 20

793 Bills To allow purchase, discounting M A 10 1 10

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794 Bills

Allowed sequence – for cheques - entry, present in clearing/transfer , receive payment, realize the Bills, collect our charges, comply with the collection/collection instructions, remit the proceeds, in case returned – mark it as returned unpaid, cancel, etc.

M A 10 2 20

795 Bills

Allowed sequence – for Bills – entry, present to party, receive payment-cash/transfer/clearing, realize the bill (passing contra voucher), collect our charges, remit the proceeds, in case returned – mark it as returned unpaid, cancel a bill

M A 10 1 10

796 BillsBill sent for Collection - to be purchased at any later time -within / beyond the limt ( as may be permitted) M A 10 1 10

797 Bills BP to OBC/LBC conversion M A 10 1 10

798 BillsSensing distinction of Cheque / DD / etc in Outward/Inward activities M A 10 1 10

799 Bills

Authorization of Bills activities – lodgment authorization, purchase authorization, discounting authorization, returned unpaid realization, etc. including batch authorization.

M A 10 1 10

800 Bills Allowing Bills correction at all the above levels M A 10 1 10

801 Bills

Should be possible to see the details/pending queue items of authorized and unauthorized Bills, on daily basis- this query should support query based on range of bill type, range of bill numbers, range of beneficiary accounts

M A 10 1 10

802 BillsIn case of inward Bills – entry of both account holder or non-account holder M A 10 1 10

803 BillsOutstanding Bills of each and every bill type to tally with the corresponding bill type GL balances on a daily basis M A 10 1 10

804 BillsDaily individual bill wise contra passing for collection Bills – automatically – both inward and outward – while lodging/realizing /returning

M A 10 1 10

805 Bills Contra heads tallying at the time of day end M A 10 1 10Page 72 of 127



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806 Bills

Bill limit with terms and conditions defined – to be modified, allow interest rate change, specially these two should be allowed for creation, modification, query, etc. M A 10 1 10

807 BillsRouting account concept in Bills realization through demand drafts drawn on local branch – automated clearing interface

M A 10 1 10

808 BillsIn case of usance bill the date of acceptance to be noted at a later date. M A 10 1 10

809 BillsPortfolio change from collection bill to purchase bill (full amount, may be with margin) M A 10 1 10

810 Bills Due-date diary of Bills, M A 10 1 10

811 BillsOutstanding Bills – for outward/inward with various intermediary status like Booked but not realized, Realized but not remitted / credited / adjusted

M A 10 1 10

812 BillsIBC realization without payment. To note in the system - IBC goods delivered based on acceptance of bill and treat it as realized as per instruction of drawer.

M A 10 1 10

813 BillsComputer value – i.e. the values picked up from parameter files whether change is allowed. Whether audit trail is maintained for changes

M A 10 1 10

814 Bills

Allowing ‘n’ number of types in IBC/ICC/OBC/OCC/LBC/LCC/Purchase Bills/Discount Bills etc. as a production creation mechanism M A 10 1 10

815 Bills Margin account maintenance for Bills/Cheque M A 10 1 10

816 Bills Allow sending directly to other Bank for collection M A 10 1 10

817 Bills Allow sending to our own branch for collection M A 10 1 10

818 BillsAllow sending to party directly for collection against specific mandate of the drawer. M A 10 1 10

819 BillsSeparate Covering letters for the outward instrument(s) lodged pertaining to the same branch should be generated. M A 10 1 10

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820 Bills Realization through cash, transfer, clearing M A 10 1 10

821 Bills

Realization of proceeds through clearing related instruments like DD / AIMAS / Cheque or through other Payment and Settlement Systems I.e. RTGS / NEFT etc M A 10 1 10

822 Bills

Directly making demand drafts or through any other remittance mode like co-advice, draft or other Bank drafts, pay order, MT etc for realized amount – after deducting / realising our commission/charges

M A 10 1 10

823 Bills

Realization of bill for the gross amount (adjusting for Rebate , if any) and collection charges and other charges, Charges (e.g. in lieu of C-Form), Interest if any, to be debited from the proceeds before remitting to the beneficiary’s account

M A 10 2 20

824 BillsCollection of charges in case of Bills/cheques unrealized as per defined norms. M A 10 1 10

825 BillsHave provision for noting the charges collected by other Bank., as adjustment/their charges, while realizing the payments.

M A 10 1 10

826 BillsRealization of proceeds can be received from either the Bank, party, or others or from our own branch M A 10 1 10

827 Bills

Realization through clearing – automatic interface of bill realization sending the cheque in clearing schedule and keeping track of availability of credit and then allowing final realization

M A 10 1 10

828 BillsRealisation of more than one bill through a single paymnet / instrument / transfer voucher. M A 10 1 10

829 Bills

Query/report of Bills – range of bill type, range of bill numbers, range of beneficiary account type, account numbers, Bank range wise, amount range wise, lodgment date wise, realization date wise, unrealized date wise

M A 10 2 20

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830 Bills

The above query/report should be available for various status of the Bills – lodged, purchased, discounted, dispatched, payments received, converted Bills, realized Bills, returned unpaid Bills,

M A 10 1 10

831 Bills

Provision to define normal interest and penal interest rate, separate number of days, accounting head for purchase Bills – separately for local cheque purchases, outstation cheque purchases

M A 10 1 10

832 Bills Calculate interest in case of IBCs as specified in the bill. M A 10 1 10

833 Bills

Should be possible to correct the bills at various stages – entered bill correction, purchased bill correction, dispatched bill correction –Possibility of correcting the bills before authorization and after authorization.

M A 10 1 10

834 BillsCapability of ASCII upload (text file) to bills activities – to accommodate corporate borrowers who may be giving lodgment details in ASCII

M A 10 1 10

835 BillsAllow or not to allow post dated cheques for OBC collection only (not for purchases) and if so parameter as to how many days of post date should be allowed

D A 6 1 6

836 BillsCustomers liability register should be available for query/print – this should be for each of the bill limit enjoyed by the customer, the register should give details

M A 10 1 10

837 Bills These to be allowed separately for bills and cheques. M A 10 1 10

838 Locker System should capture customer details upon entering customer ID in to locker register. M A 10 1 10

839 Locker Linking the deposit account or operative accounts for recovery rent M A 10 1 10

840 Locker System should calculate the rent to be charged based on defined rules e.g type / size of the locker / customer type M A 10 1 10

841 Locker System should waive off rent / charges at account level M A 10 1 10

842 LockerSystem should allow debiting of Deposit account of Customer for recovery of periodical rents and other charges (by way of standing instruction )

M A 10 1 10

843 Locker System should specify +/- amounts or percentage to be applied at account level M A 10 1 10

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844 Locker Locker Operations – Time in , Time Out, Access Log Register, Officer handling the customer M A 10 1 10

845 Locker Allow multiple nominations in locker M A 10 1 10

846 LockerSystem should display locker numbers available to be allotted to the customer based on the type of locker selected M A 10 1 10

847 LockerSystem should display locker operation instruction / signatures etc on the entry of the locker number and also due / outstanding charges if any

M A 10 1 10

848 Locker System should capture the system time for the “time in” field and does not allow to change. M A 10 1 10

849 Locker Display last visit details on the entry of locker number and dues / charges outstanding if any M A 10 1 10

850 LockerOption to maintain waiting list for lockers and keep track of revised waiting list after locker allotted on first waiting person M A 10 1 10

851 Locker System should attach remarks such as ‘rent overdue’, ‘key lost reported’ to the lockers M A 10 1 10

852 Locker System should capture ‘time out’ field at the time of locking the vault. M A 10 1 10

853 Locker Trigger warning message , if locker is being accessed after a gap of ‘X’ months M A 10 1 10

854 LockerSystem should change the type of lockers and net amount payable / receivable from / to the customer should be automatically displayed

M A 10 1 10

855 Locker Parameter to fix grace days for payment of rent. Flexible Parameter. M A 10 1 10

856 Locker Locker allotment should be parameterised as per banks policy M A 10 1 10

857 Locker Automatic recalculation rent in case of advance rent payment and refund to customer M A 10 1 10

858 Locker Generation of reminder letters in case of overdue rent M A 10 1 10

859 Locker Automatic adjustment of rent on receipt of credit to the account ( any where is it allowed) M A 10 1 10

860 Locker Parameter to define various charges leviable in the account M A 10 1 10

861 Locker Option to waive the penal charges at account level M A 10 1 10

862 Locker After settling the dues only system should allow to close M A 10 1 10

863 Locker System should parameterize the reason for closure of the locker M A 10 1 10

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864 Locker Update locker available list after the closure M A 10 1 10

865 Locker Facility to refund amount after surrendering the locker – pro rata rent and deposit amount M A 10 1 10

866 Locker System should provide flagging of the locker with ‘key lost’ tag M A 10 1 10

867 Locker

Ability capture the investigator, witness and authorizing bank official details in the case of locker is "Break open" alongwith reason for "Break open" (e.g. for unrealised locker rent etc) M A 10 1 10

868 Locker System should calculate charges for loss of locker keys as defined in the parameter M A 10 1 10

869 Locker System should allow change of key and update the locker master details M A 10 1 10

870 LockerSystem should define minimum deposit to be maintained for realzation of yearlylocker rent based on the location of the branch & rent also.

M A 10 1 10

871 Locker System should maintain history of the lost keys O A 4 1 4

872 Locker System should provide triggers for alerting when locker for reported lost key is accessed by the customer M A 10 1 10

873 Locker

Reports on lockers issued, closed along with reason, lockers break opened, rent dues, rent receivable , locker accessed, lockers avail System should be provided. Backdated Reports should be available.

M A 10 2 20

874 Locker Alert for authorized access – E/O/S etc. – Display of Names. M A 10 1 10

875 Locker Restrictions for allotment (Minors etc.) M A 10 1 10

876 Locker Recording of changes of hirers – addition / deletion. M A 10 1 10

877 Locker History of Changes M A 10 1 10

878 Locker Option to freeze operation / attachments M A 10 1 10

879 Locker Display of photos and signature. Facility should be available to scan Locker signature card M A 10 1 10

880 Locker Locker No & Related Key register. M A 10 1 10

881 Locker Password requirement. M A 10 1 10

882 Locker Recording of Power of attorney name etc. & alerts M A 10 1 10

883 LockerSystem should send acknowledgement of locker nomination. Nomination should be in favour of Individuals only. M A 10 1 10

884 Locker Rejection of locker operation in case rent is not paid. M A 10 1 10

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885 Locker Provision for noting the charges to be recovered (Postal charges /letter etc.) M A 10 1 10

886 LockerRent due intimation, one month in advance of due date. Continuous notices till rent is recovered at periodical intervals. M A 10 1 10

887 Locker Loss of key – Operation to be freezed. M A 10 1 10

888 Locker Search should be available for user on Key No,Customer No,Customer name,Locker number M A 10 1 10

889 RemittancesRemittances facility should support- MC / AIMAS / RTGS / NEFT / DD / ECS, etc. M A 10 1 10

890 RemittancesFor each of the above items – Outward and Inward remittances -Issue activity and payment activity for all of the above types

M A 10 1 10

891 RemittancesFor all types of instruments – issue duplicate, cancel, revalidate, etc. and authorization at every stage M A 10 1 10

892 RemittancesSeparate series of control / protection / variable numbers for each of the remittance types M A 10 1 10

893 RemittancesStock maintenance concept for each of the remittance types – all remittance/instrument where security items are involved

M A 10 1 10

894 RemittancesAbility to generate at pre-determined frequency say daily, weekly, fortnightly, monthly, the extracts for each type of remittance, for AO / HO

M A 10 1 10

895 RemittancesAbility to provide this extract with the GL information portion in Text File in floppy for onward transmission to HO

O A 4 1 4

896 RemittancesEnabling payment activity for each type of remittance – MC / DD / (Manager's Cheque, Demand Draft ), etc. M A 10 1 10

897 RemittancesAbility to define different charges – commission, exchange, postage, telegram charges, incidental charges, parameter for different remittance types

M A 10 1 10

898 Remittances Stop Payment marking, M A 10 1 10

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899 Remittances

Removal, query – recording reported lost DDs, revokation of lost reported DDs, query, stop payment/lost noting for all varieties of remittance types – checking of reported lost/stopped while paying

M A 10 1 10

900 RemittancesText File upload into remittance files/tables for bulk Remittance issue O A 4 1 4

901 RemittancesDeposit closure proceeds to come to Remittances directly

M A 10 1 10

902 RemittancesAbility to create only cash transaction at the cashier level and to link it to Remittances level later D A 6 1 6

903 Remittances

Full fledged query – date range, amount range, branch range, product range, for all remittance types and for various activities like issue, cancel, duplicate, revalidated, paid, all, etc.

M A 10 1 10

904 RemittancesProvision to reject what is initiated at the clerical level for duplication, revalidation, cancellation– before it is authorized

M A 10 1 10

905 RemittancesInterface and workability of standing instructions – proceeds coming from any operative accounts/deposits to Remittances

M A 10 1 10

906 RemittancesDaily extract of remittance along with GL extract – for specific date or range of dates M A 10 1 10

907 RemittancesSupplementary for remittance heads – ability to generate based on remittance type – specific / range M A 10 1 10

908 RemittancesRemittance register – issue register – specific date / range of dates, branch specific / range of branches – to view on screen / to print

M A 10 1 10

909 RemittancesRemittance query – based on party wise – specific party / range of parties M A 10 1 10

910 Remittances Remittance paid register – with full details M A 10 1 10

911 RemittancesAbility to charge and collect extra exchange / commission for cash remittance type M A 10 1 10

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912 RemittancesRegister of cancelled / revalidated / duplicate issued – with full details - for specific/range of date/branches/amount

M A 10 1 10

913 RemittancesParameter for accounting of remittance type charges in various GL/PL account heads M A 10 1 10

914 Remittances Full audit trail for remittance activities M A 10 2 20

915 RemittancesSignature storage / display for specimen signature of officers while paying the remittance type payments –for Bank’s Officers and other Banks” designated officials

M A 10 1 10

916 RemittancesAbility to build more than one charge for every remittance type say commission and charges and postage M A 10 1 10

917 RemittancesReport requirements for each type of remittance is different and the same needs to be perfectly customized to suit the needs of the Bank

M A 10 1 10

918 Remittances Automatic posting of charges (can be edited) M A 10 1 10

919 RemittancesFor local instruments like MC – Issue, Pay, Cancel, Duplicate, Revalidate M A 10 1 10

920 RemittancesMC – running serial number to be initialized at the beginning of the financial year. Also tracking printed serial number

M A 10 1 10

921 RemittancesProvision to transfer MC from active to stale after pre-defined period M A 10 1 10

922 RemittancesAn MC once paid or canceled should not be allowed to be paid again. M A 10 1 10

923 RemittancesFacility for transfer of outstanding MCs beyond a cut off date/period to head office with relevant details M A 10 1 10

924 RemittancesPrinting of MCs in user definable formats on branches of our Bank. M A 10 1 10

925 Remittances List of branches where DDs can be issued M A 10 1 10

926 Remittances Facility to print draft in pre-printed stationery M A 10 1 10

927 Remittances Automatic updation of draft issue register. M A 10 1 10

928 Remittances Issue of duplicate drafts M A 10 1 10Page 80 of 127



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929 RemittancesFacility to record pre-requisite conditions for duplicate issue. Validate against these conditions before duplicate issue

M A 10 1 10

930 RemittancesFacility to issue duplicate drafts, link with original drafts and print duplicate drafts – Issue of duplicate Demand Drafts to be marked in the DD Issued Register

M A 10 1 10

931 Remittances Payment of MCs M A 10 1 10

932 RemittancesSystem should validate drafts number & stop payment instructions before payment. M A 10 1 10

933 RemittancesSystem should validate whether drafts are stale, and if so, allow payment only with supervisor approval – Only revalidated Drafts should be allowed to be passed

M A 10 1 10

934 Remittances Facility to cancel MCs and note caution on MCs. M A 10 1 10

935 RemittancesFacility to maintain stock of MCs by the system. Stock Register to be customizable M A 10 1 10

936 RemittancesFacility to record pre-requisite conditions for cancellation of a draft. Facility to cancel a draft and pay cash /credit customer's account with proceeds.

M A 10 1 10

937 Remittances Commission M A 10 1 10

938 Remittances

Facility to store and apply flat/ tiered charges for issuing instrument of various denominations. These can be changed as per requirements and should be user-definable M A 10 1 10

939 RemittancesFacility to charge additional charge for issue to non-customers. This charge also can be flat or tiered M A 10 1 10

940 RemittancesFacility to mark certain accounts for automatic waiver of commission charge M A 10 1 10

941 Remittances DD – Also printing the printed serial number M A 10 1 10

942 RemittancesDD/remittance instrument not printed check in the day end M A 10 1 10

943 Remittances DD/remittance transaction correction M A 10 1 10

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944 RemittancesDD/Remittance transaction should not be allowed to be deleted on the instrument being printed/issued, but to allow only cancellation

M A 10 1 10

945 RemittancesAllow single level DD activity up to defined limit and beyond that going to two levels –Maker/checker is compulsory for both .

M A 10 1 10

946 RemittancesFacility to make payment either by pay order, cash or credit to account. M A 10 1 10

947 Remittances System should automatically generate payment advice. M A 10 1 10

948 RemittancesSupport passing of accounting entries for all transactions for issue/ payment/ cancellation and automatically make corresponding accounting entries

M A 10 1 10

949 RemittancesBranch-wise report of drafts issued during the day on various branches M A 10 1 10

950 RemittancesOn-line Enquiries – for all types of Remittances for all activities/sub-activities with all kinds of combinations of ranges like branch code, amount, date, etc.

M A 10 2 20

951 RemittancesReconciliation of Debit/Credit Received from Apex Bank

M A 10 2 20

952 Remittances Stop Payment/Lost Mark of instruments M A 10 1 10

953 Remittances Maintenance of codes needed for Cypher coding of DD M A 10 1 10

954 RemittancesGeneration of Cypher Code For DD issued above certain Limit M A 10 1 10

955 Remittances Issuing of advice for mark lost/stop payments M A 10 1 10

956 Clearing Mutiple Cheques entry under one pay-in slip M A 10 1 10

957 ClearingEntry of cheques deposited by customers of other branches for direct credit to their accounts without any further manual intervention.

M A 10 1 10

958 Clearing Batch verification of Clearing file M A 10 1 10

959 Clearing Future Clearing schedule can be created M A 10 1 10

960 ClearingCan Clearing credits to customer accounts be held as "Shadow (unclear) balance" until such time the returns are known?

M A 10 1 10

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961 ClearingFacility to participate in multiple Clearing Houses by Single Branch M A 10 1 10

962 Clearing Provision for setting up of Centralised Outward Clearing D A 6 1 6

963 Clearing

Allowing cheques to be entered for outward clearing with the details like MICR / non-MICR details, amount, drawer details, payees details, account number, amount etc M A 10 1 10

964 ClearingCreation of schedules of all such cheques entered. Creation of Bankwise/branchwise patti M A 10 1 10

965 ClearingCreation of files in Electronic Format acceptable to the Clearing house or useful for encoder M A 10 1 10

966 ClearingStale and post dated cheques should not accepted ,proper message to be given while entering the date of such Cheques

M A 10 1 10

967 ClearingProvision for posting of Outward Clearing credit to respective Accounts and to the Clearing Contra Head M A 10 1 10

968 ClearingMarking of Bounced Instrument and debiting respective accounts for the amount of such cheques M A 10 1 10

969 Clearing Recovery of Bounced Instrument Charges M A 10 1 10

970 ClearingFacility to add/cancel name of the Banks/Branches which opens /closes branches within the Clearing House vicinity. M A 10 1 10

971 ClearingMarking of Bank/s which are debarred from participation in Clearing by RBI M A 10 1 10

972 Clearing Submember Clearing for member banks M A 10 1 10

973 ClearingRealization of clearing charges from the sub-member banks monthly counting the number of cheques cleared/returned (inward/outward/)

M A 10 1 10

974 ClearingSeparate inward Clearing file along with control totals for each batch. M A 10 1 10

975 ClearingInterface to a MICR-OCR reader/sorter/Cheque Depositor

M A 10 2 20

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976 Clearing

Where data is uploaded or taken from a MICR reader, in case the account number is not available, can the system retrieve the account number from the cheque number? M A 10 2 20

977 ClearingTally of batch totals i.e., number of instruments and total amount in the presentation with the instrument totals . M A 10 1 10

978 ClearingOn-line viewing of authorized signatures for an account, during Clearing (parameterized- a/c type, limit etc.) M A 10 1 10

979 ClearingAutomatic transfer of returned instrument data to the outward Clearing file. M A 10 1 10

980 ClearingAutomatic debit of charges for inward cheques returned debited to customer account based on type of customers (Parameterized).

M A 10 1 10

981 ClearingUploading of Clearing data of all branches in CBS environment from a centralised location M A 10 1 10

982 ClearingCan the centralised dept generate branch-wise totals and control totals for tallying with the debit made by the Clearinghouse?

M A 10 1 10

983 ClearingIn case exceptions are encountered (e.g.: lack of funds) will the branches be able to determine whether or not to accept the instrument?

O A 4 1 4

984 Clearing

Automatic inter-branch debits in case of instruments such as Dividend Warrants, Stock invest etc., issued by other branches which are payable at par at the Service Branch. M A 10 1 10

985 Clearing

In case of demand drafts/Banker's Cheque payable by the Service Branch, will the system validate and debit the corresponding inter-branch a/c or drafts payable a/c automatically?

M A 10 1 10

986 ClearingAn inquiry to trace the fate of a cheque (both inward and outward), if given the Clearing presentation details and the Cheque number.

M A 10 1 10

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987 ClearingDetails of cheques returned against a particular account, including the reasons for return M A 10 1 10

988 ClearingReport on cheques returned each day, along with reasons for return M A 10 1 10

989 ClearingReport on volume statistics of inward Clearing instruments M A 10 1 10

990 ClearingInward Clearing transaction report and inward Clearing rejects report M A 10 1 10

991 Clearing All backdated Clearing reports M A 10 1 10

992 ClearingSystem should return the instruments to Presenting Bank only with the help of details available in the Uploaded file for inward clearing

M A 10 2 20

993 Clearing Clearing facility for submember banks M A 10 1 10

994 Clearing Auto accounting for instruments of submember banks M A 10 1 10

995 ClearingDebiting charges for Clearing for submember banks (as per number of instruments handled in clearing per month) M A 10 1 10

996 ClearingSystem should have facility to generate covering/forwarding letter to the bank based on upcountry cheques (outward)

M A 10 1 10

997 ClearingGeneration of contra entries for such upcountry cheques sent at the time of record creation M A 10 1 10

998 ClearingRealisation of Cheques , crediting proceeds received to the parties account after debiting other Bank charges, our charges

M A 10 1 10

999 Clearing Reversal of Contra etnry M A 10 1 10

1000 ClearingFacility to inquire on cheques in Clearing by cheque no., cheque date, account no., batch no., date of Clearing etc. Facility to sort on any key for inquiry

M A 10 1 10

1001 ClearingAutomatic on-screen warning message for cheques that need to be returned in accounts M A 10 1 10

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1002 Clearing

System should provide for checking the net position of Clearing, schedule/zone wise, and enable passing difference in Clearing operation account to inter-branch account to bring the Clearing operation account to NIL balance

M A 10 2 20

1003 ClearingCheque number and stop payment instructions to be validated before cheque is paid out M A 10 1 10

1004 Clearing

Provide facility to automatically store, and make available on inquiry, information such as when and where cheque is presented and cleared, whether cleared or stopped, payment to which Bank etc. Therefore, the system should support individual cheque information

M A 10 1 10

1005 ClearingSystem to support re-presentation option for those cheques which have been returned unpaid M A 10 1 10

1006 ClearingCapability of transferring data off-line to a regional or national Clearing house. M A 10 1 10

1007 ClearingInterest accrual dates may even differ between cheques for savings account / current account and those for fixed deposit account, from out of the Clearing proceeds

M A 10 1 10

1008 ClearingThe system to accept information on holidays for all or some Banks in the day's Clearing. System to support overriding the Clearing cycle in some exceptional cases

M A 10 1 10

1009 ClearingGeneration of consolidated statement Bank-wise of amount 'due by them'. Details of statement to be user-defined

O A 4 1 4

1010 ClearingDaily status of net amount 'due to' or 'due by' Clearing house. M A 10 2 20

1011 ClearingGeneration of reports in the RBI or Clearing house format. M A 10 1 10

1012 ClearingDetailed enquiry listing for each branch of a Bank - for internal purposes M A 10 1 10

1013 Clearing Bank wise listing of cheques for outward Clearing M A 10 1 10

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1014 ClearingFinal Clearing sheet to be sent to the Clearing house – Patties Bank wise, branch wise optionally and based on parameterized lots say 100, 200, 300, etc.

M A 10 1 10

1015 Clearing

Able to generate credit/debit advice for the transfer transactions for the charges debited to customer, credit received for realization of upcountry cheques , interbranch transactions etc.

D A 6 1 6

1016 Clearing Centralised ECS M A 10 1 10

1017 Clearing ECS Debit Clearing M A 10 1 10

1018 Clearing ECS Credit Clearing M A 10 1 10

1019 Clearing Upload of ECS debit and ECS credit Clearing M A 10 1 10

1020 ClearingDownload For ECS Clearing to be sent to Clearing house

M A 10 1 10

1021 Clearing Modification of data for the uploaded file M A 10 1 10

1022 ClearingSystem should Interface with the Cheque Truncation System as required by the statutory authorities for automated data capture or upload /download of files as required,

M A 10 2 20

1023 Clearing System should Apply Charges for Truncation based Clearing

M A 10 1 10

1024 Clearing System should Compare signatures on cheques with the ones linked to an account

M A 10 1 10

1025 ClearingSystem should Generate reports as on a particular date /range of dates for cheques presented though the truncation system along with day-wise consolidated totals.

M A 10 1 10

1026 ClearingThe scanned image and the signature of the customer should be visible on the same screen for easy comparison

M A 10 1 10

1027 RemittancesSystem should Interface with Electronic Fund Transfer (NEFT) software provided by RBI M A 10 1 10

1028 RemittancesSystem should provide Interface with the Electronic Clearing Service (ECS) software for instrument returns and validations provided by RBI

M A 10 1 10

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1029 Remittances

System should upload & download data in the desired format and print reports as desired (e.g. branch – wise, zone – wise etc.) for Electronic Clearing Service and EFT Service received from RBI / clearing houses.

M A 10 1 10

1030 Remittances

System should Provide income – expenditure report based on actual float that was available, Expenses incurred towards MICR / ECS, Courier Charges against the income from service Charges and notional income at prevailing Call Money lending rates

M A 10 1 10

1031 RemittancesProvision for entering Inward & Outward ECS in the system as a sponser bank.Provision to generate / upload files to send / receive to the concerned authorities (RBI)

M A 10 1 10

1032 Remittances Provision to process reutrn of Outward ECS received. M A 10 1 10

1033 RemittancesProvision to process Inward/Outward ECS of submember banks. M A 10 1 10

1034 Remittances Parameterise charges for Debit Inward ECS return M A 10 1 10

1035 RemittancesAs a sponser bank Inward/Outward ECS return file should be generated as per prescribed format M A 10 1 10

1036 Remittances

System should have provision to store modification in account no. in case wrong details received through the file & modified at branch level. So that next time same entry is received under same user number it should be mapped to the corrected account number.

M A 10 1 10

1037 RemittancesLetter to originating bank for not processing entires in future - in case of ECS return for the reason "account closed " or "No such account.

M A 10 1 10

1038 Clearing

System should Track the movement of instruments from Branch to Service Branch and Reconciliation & Control Method to ensure that all instruments physically received at Service Branch, by generating MF (manifold advices) both at service branch and branch level

M A 10 2 20

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1039 ClearingSystem should Generate service branch Adjustment account entries age-wise for reconciliation. M A 10 1 10

1040 Clearing 3) Create text File for reconciliation at IBR (INTER- BRANCH RECONCILIATION DEPARTMENT)

D A 6 1 6

1041 Clearing System should display pending Receipts from Bank with Details of Each Transaction

M A 10 1 10

1042 ClearingSystem should Reconcile the transactions passed by bank & passed at Clearing House & query on branch reconciliation number

M A 10 1 10

1043 Clearing To generate Daily status of net amounts "due to " or "due by" clearing house

M A 10 1 10

1044 Clearing To generate all statements as per RBI format for all types of clearing

M A 10 2 20

1045 Clearing System should identify High value clearing. M A 10 1 10

1046 ClearingSystem should Generate flat files for both High Value clearing and in the desired format as prescribed by RBI (MMBCS)

M A 10 1 10

1047 Clearing

System should Consolidate the flat files at the service branch Bank – wise and generate a schedule of all cheques collected under high value, bank – wise with details of each instrument under a particular bank.

D A 6 1 6

1048 Clearing Consolidation of the various flat files generated at the branches.

D A 6 1 6

1049 ClearingGenerate a separate consolidated flat file in the desired format as prescribed by RBI at the service branch M A 10 1 10

1050 ClearingGenerate a summary of all transactions bank – wise for cheques collected under high value / metropolitan area clearing.

D A 6 1 6

1051 Share Parameterization of different types of shares (A class, B Class, C Class etc.) M A 10 1 10

1052 ShareDetails of share held by share holder (Name of the share-holder address , no of shares, amount of share, share certificate no. Branch etc.)

M A 10 1 10

1053 Share Allocation of different share numbers to a shareholder for a single share certificate. M A 10 1 10

1054 Share Provision for dividendpayment M A 10 1 10

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1055 Share Provision for Forfeiture of shares D A 6 1 6

1056 Share Generation of complete lsit of share holders (parametrized such as 'C' class share) M A 10 1 10

1057 Share Generation of summary reports for shares held by different categories of share holders. M A 10 1 10

1058 Share Provision of calculation of dividend for the share purchased during the current year on daily product basis. M A 10 1 10

1059 Share Generation of reports for new share purchased during a particular period. M A 10 1 10

1060 Share Report of forfeited shares D A 6 1 6

1061 Share Reports on Authorized Share, Paid-up Share, Partially paid up share, etc. M A 10 1 10

1062 Share Generation of automatic share certificate number / overriding the number by manual entry. M A 10 1 10

1063 Share Allocation of number of shares based on share amount as per parameter (e.g. one unit for Rs. 500) M A 10 1 10

1064 Share Printing of share certificates M A 10 1 10

1065 Share Addition/Deletion/Modifications of share details M A 10 1 10

1066

General Software Requirement

All software modules should be integrated (e.g. customer information, account opening, transaction processing, teller operations, interest calculation, charges etc.)

M A 10 3 30

1067


System to specify cut - off times for transactions branch - wise / department -wise after which the transactions should be recorded in the system with the next working date

M A 10 2 20

1068


Should support online real time & batch operations

M A 10 3 30

1069


Provide support for scheduling and defining of Jobs

M A 10 3 30

1070


System should support User-Definable / fully parameterisable EOD/BOD processing

M A 10 5 50

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1071


System should support Error logging of EOD/BOD errors

M A 10 5 50

1072


System should support Fully automated EOD/BOD Processing

M A 10 5 50

1073


System should support User-definable action in case of errors

M A 10 4 40

1074


System should provide facility to restart EOD/BOD from point of failure - automatic and manual

M A 10 5 50

1075


Different Processing at Month-End, Quarter end,Year-End and Holidays

M A 10 5 50

1076


Holiday Processing should be area wise/ operation wise

M A 10 3 30

1077


System should provide all letters to customers in English and Bengali D A 6 5 30

1078 DepositFacilities to open account either by cash, cheque or transfer from another branch with parameterized amount. (Minimum amt etc.)

M A 10 1 10

1079 DepositAutomatic generation of account no. at the time of opening an account.after required information is fully filled up.

M A 10 1 10

1080 DepositA customer can have various accounts, at more than one branch of different types, and they can be accessed by a unique customer number.

M A 10 1 10

1081 Deposit Multiple signatories for Joint Accounts. M A 10 1 10

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1082 Deposit Grouping of accounts for offsetting balances and calculating interests and charges.

M A 10 1 10

1083 Deposit Provision for User Defined alerts like “New Account” etc.

M A 10 1 10

1084 Deposit Before closing provide check for atleast the following A

1085 Deposit 1. Unused cheque leaves are recovered M A 10 1 10

1086 Deposit 2. Lien is reversed M A 10 1 10

1087 Deposit 3. Hold amount M A 10 1 10

1088 Deposit 4. Standing instructions cancelled M A 10 1 10

1089 Deposit 5. Outstanding balances in any other accounts M A 10 1 10

1090 Deposit 6. Lockers/demat/loan M A 10 1 10

1091 Deposit 7. Effect of cheques sent for clearing has been given M A 10 1 10

1092 Deposit 8. Transactions in a pipeline M A 10 1 10

1093 Deposit 9. System should provide Differences in inter-branch reconciliation

M A 10 1 10

1094 Deposit 10.All authorized/required signatories have given approval for closing/pre-mature closure of account

M A 10 1 10

1095 Deposit 11. All concerned limit/facilities relating to the account granted to the customer are closed

M A 10 1 10

1096 Deposit 12. ATM card /debit card issued flag disabled M A 10 1 10

1097 Deposit 13. All other facilities cancelled e.g. internet banking tele banking ATM/ Debit Cards etc

M A 10 1 10

1098 Deposit 14.interest calculation and direct effect M A 10 1 10

1099 Deposit15.Pending charges/dues to be recovered and also postal/courier charges to be recovered, if necessary M A 10 1 10

1100 Deposit 16.Computation / Recovery of TDS as applicable M A 10 1 10

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1101 Deposit

Facility to parameterise account closure charges( flat amount, percentage) in the event the account is closed before a stipulated time period as mentioned in the product definition

M A 10 1 10

1102 DepositFacility to maintain data (static/transaction) for all closed accounts and generate a statement for the sameif required.

M A 10 1 10

1103 DepositFacility to parameterize the reasons for closure (e.g. dissatisfaction, moving of residence, Descretion of account holder etc.)

M A 10 1 10

1104 Deposit Settings of different passbook printout for different account products.

M A 10 1 10

1105 Deposit Multiple accounts may sweep into or out of a simple target account.

M A 10 3 30

1106 Deposit

The Core Banking software should have a module to cater to head office currency maintenance (notes / coins) in the currency in which accounts are maintained.

D A 6 1 6

1107 Deposit

The system should be capable of recording the details of currency (notes / coins) in the currency in which bank maintains its accounts at the cash vault denomination wise. And should be reflected in HO

D A 6 1 6

1108 Deposit

This system should be capable to maintain the details of all the currencies (notes / coins), sent to branches denomination wise.SMS to be generated and passed on to the authorised person

D A 6 1 6

1109 DepositThe system should maintain the maximum cash retention limits at branches. M A 10 1 10

1110 DepositThe system should be capable to generate the Cash retention limit based on a preset formula ( I.e parameterised)

M A 10 1 10

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1111 Deposit

The system should be capable to update the stock of currencies (notes / coins) dispatched / received from the branches / departments upon authorisation of currency details entry transaction.System should maintain soiled and torn notes reconcilation

M A 10 1 10

1112 Deposit

The system should generate appropriate warning messages informing the branches/ departments and also the currency chest about excess / shortage of cashdepending upon the cash retention parameter branch - wise.

M A 10 1 10

1113 DepositSystem should be able to print a cash requisition/surplus form depending on the requirement of the branch.

M A 10 1 10

1114 Deposit

The system should be able to generate a unique reference number (user definable) for each cash requisition / surplus form printed at the branches. The reference number so generated by the system has to be printed on the cash requisition / surplus form.

M A 10 1 10

1115 DepositMaximum X amount cash transaction report

M A 10 1 10

1116 DepositRecords of issue and missing tokens

M A 10 1 10

1117 DepositSystem should calculate cash transaction charges(dr/cr)and auto generation of vouchers as well as advice

O A 4 1 4

1118 Depositlinkage of ATM cash balance with system

M A 10 1 10

1119 Deposit Transaction history inquiries/ instrument search/amount search/trns of a particular date.

M A 10 1 10

1120 DepositSystem should give the position of charges (IC,Commission, ATM Transaction, etc.) realized account-wise.

M A 10 1 10

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1121 Deposit

Summary distribution of income/charges of various delivery channels & facility to interface with all other Banking Application eg. Treasury, RTGS, Delivery Channels.

M A 10 1 10

1122 Deposit Facility to consolidate accounts into - branch/office-wise

M A 10 1 10

1123 Deposit Facility to consolidate accounts into - product groups M A 10 1 10

1124 Deposit Facility to consolidate accounts into - customer segment ( agewise / category-wise etc )

M A 10 1 10

1125 Deposit

The system should allow creation and definition of banking products to be controlled and effected by the authorized business user. Products should be defined.

M A 10 1 10

1126 Deposit

Specify restrictions on no. of withdrawals / amount of withdrawal from SB A/c. and track no. of withdrawals /amount of withdrawl on monthly/ quarterly basis. Flexibility to levy or waive charge if withdrawals exceedrestricted amount.

M A 10 1 10

1127 Deposit Integration with Remittances and other modules M A 10 1 10

1128 Deposit System to parameterize the deposit period. M A 10 1 10

1129 Deposit

System should be able to handle delayed payment of installment and also impose a penalty in case of delayed payment.( either at the time of deposit of Instalments or at the time of Maturity / Premature payment)

M A 10 2 20

1130 DepositSystem should be able to calculate penal interest in case the recurring deposit is closed prematurely. M A 10 1 10

1131 Deposit The whole deposit to be held in units of user definable amount.

D A 6 1 6

1132 DepositEvery unit to be held as a separate account on the system. The account numbers for each unit should be auto generated by the system.

D A 6 1 6

1133 Deposit Passbook is to be generated for entire deposit amount, instead of one receipt for each unit.

D A 6 1 6

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1134 DepositFor premature withdrawal, only requisite number of units required to honor the amount to be broken. The balance will earn the original rate of interest.

D A 6 1 6

1135 Deposit System should apply penal rate for units withdrawn and recalculate interest amount

D A 6 1 6

1136 Deposit

System should allow any no. of units to be broken at a time, without breaking the entire deposit. The units to be broken should be chosen by the system and that should be pametr.

D A 6 1 6

1137 Deposit Payment to be made for principal amount of units withdrawn and interest earned on same.

D A 6 1 6

1138 DepositFacility to allot many instruments for a single deposit and printing of multiple receipts for a single account D A 6 1 6

1139 Deposit Breakdown of single deposit amount to different bills payments and fund transfers

D A 6 1 6

1140 Deposit

Define minimum balance to be maintained on each type of account . The minimum balance requirement may vary between customer's accounts having checkbook and those not having checkbook. Must be a provision of default charges.

M A 10 1 10

1141 Deposit Report continue or recovery option in case of Interrupted Printing.

M A 10 1 10

1142 Deposit

If any Statement of account has been already printed, it should show in case of Reprinting so that necessary charges may be levied / recovered.

M A 10 1 10

1143 Deposit Spooled Printing of Reports. M A 10 1 10

1144 DepositGeneration of letter of thanks to customer / introducer (user definable) after opening of account M A 10 1 10

1145 DepositDeposit Receipt printing/Pre-printed format to be available on opening and rollover, also the preprinted no.and printed no. to be matched

M A 10 1 10

1146 Deposit Support for user definable layout of Deposit Receipt M A 10 1 10

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1147 Deposit

The system should be able to generate report as per bank’s requirements. And also there should be a provision to select some fields and perform statistical calculations on those chosen fields. Also there should be a provision to club accounts on the basis of customer ID & calculate all the income/ business generated by him

M A 10 1 10

1148 Deposit Generating letter confirming receipt of cheque book by account holder

M A 10 1 10

1149 Deposit Automatic generation of customer’s statements at defined frequency for each account.

M A 10 1 10

1150 Deposit To send statement of accounts by way of email. M A 10 1 10

1151 DepositChoice to customers of passbook/statement. This choice can be for each account of a single customer. M A 10 1 10

1152 Deposit

System should print a report as on a particular date / range of dates for all transactions/ modification etc. at a particular branch (say x branch) for transaction done by other branches on that particular branch (x branch), and all transactions done by the particular branch (x branch) on other branches along with all details of the transactions including inputer details, authrisation details, referred by details (in the event of higher authrisation requirements), narration, special notes etc.

M A 10 1 10

1153 Deposit System should schedule reports for printing I.e. day-end, month-end, year end etc.

M A 10 1 10

1154 Deposit Specification of form size while printing statements of accounts.

M A 10 1 10

1155 Deposit Feasibility of generating a report with an agewise analysis of dormant and inoperative accounts.

M A 10 2 20

1156 Deposit

Automatically convert accounts to dormant / inoperative / unclaimed depending upon user defined parameters / as per RBI guidelines. Generate an adviceand Dormant / inoperative/unclaimed Account Report and vice – versa.

M A 10 2 20

1157 Deposit Define the transactions permitted in dormant accounts M A 10 1 10

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1158 DepositRestrict viewing signatures of dormant / inoperative/unclaimed accounts to the computer operator.

M A 10 1 10

1159 Deposit

System should automatically group all dormant / inoperative / unclaimed accounting and the balances of these accounts under the designated GL head. Further the system should also support reclassificaton and updation of the GL heads once the account is reclassified

M A 10 2 20

1160 Deposit Value-dated Transaction Process M A 10 1 10

1161 Deposit Value-dated interest and Fees Calculation. M A 10 1 10

1162 Deposit

Auto renewal of deposits on maturity if requested by the customer. (Only Principal/ Only Interest/ any other amount specified by the custoer.) or by system.

M A 10 1 10

1163 DepositAlert messages should be displayed at the time of closure if a duplicate receipt has been issued so that only duplicate receipt is accepted.

M A 10 1 10

1164 Deposit

System should trigger an alert if loan against FD is outstanding at the time of maturity / premature closure of FD. Loan amount to be adjusted against maturity proceeds before making payment. System should not allow to make the payment if loan against FD is outstanding balance amt transfer in party's account or by PO

M A 10 1 10

1165 Deposit Support payment of principal into one or more account,(cash or cheque)

M A 10 1 10

1166 Deposit

New rate of interest to be applied from date of renewal. Penal interest to be waived if period of renewal exceeds left over period from previous deposit.

M A 10 1 10

1167 DepositPrincipal given to the customer on maturity, but interest credited monthly to customer account (for MIS, FD ,etc.)

M A 10 1 10

1168 DepositFacility to define a minimum period before which if the deposit is withdrawn, the customer will not be entitled for any interest.

M A 10 1 10

1169 DepositCheck for holds, liens and special instructions (e.g. Garnishee Order, IT, etc.) before allowing premature withdrawal.

M A 10 1 10

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1170 Deposit

Support payment of interest into one or more account, (cash or cheque). These accounts can be different from the accounts for principal payment

M A 10 1 10

1171 Deposit

System should support automatic rollover as per the terms of standing instructions (e.g. Interest & Principal, interest only, interest and part of principal, principal only, etc.)

M A 10 1 10

1172 DepositIf no settlement instructions given by depositor for maturity payment, system should support allow transfer to Mature Term Deposit account.

M A 10 1 10

1173 DepositThere should be a facility for parameterising penal charges (reduced rate of Interest) for premature withdrawals.

M A 10 1 10

1174 DepositSystem should be capable of calculating and displaying the maturity amount along with deductible TDS amountif any as per parameters.

M A 10 1 10

1175 Deposit

Facility to renew a deposit within a specified grace period (as per parameter set) from its maturity date, and calculate overdue interest for the overdue period at user-defined parameters

M A 10 1 10

1176 Deposit

At the time of opening, Face Value, Deposit Value (discounted value) and maturity date to be calculated, based on principle of discounting eg. MIP, QIP

M A 10 1 10

1177 Deposit The formula for discounting and calculating the Face value should be user-definable and modifiable

M A 10 1 10

1178 DepositSystem should open term deposit accounts with zero rate of interest and to be bifurcated as demand dep. M A 10 1 10

1179 Deposit Interface with loan module to avail loan against the deposit.

M A 10 1 10

1180 Deposit

Facility to stop closure of deposit account if loan is outstanding / kept under lien for non-fund based limits (e.g. BG/LC/ etc.) . User definable alert or override support.

M A 10 1 10

1181 Deposit Facility to attach Term Deposits to other loans at any time during loan period or deposit period

M A 10 1 10

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1182 Deposit

System should trigger an alert if loan against FD is outstanding at the time of maturity / premature closure of FD. Loan amount to be adjusted against maturity proceeds before making payment. System should not allow to make the payment if loan against FD is outstanding

M A 10 1 10

1183 Deposit

System should provide facility to Capture the following renewals/settlement instructions and renew/settle Deposit Account as per instruction automatically on maturity date.

A

1184 DepositSystem should provide facility to store minimum deposit amount and minimum and maximum time period, for each type of deposit

M A 10 1 10

1185 Deposit

At time of opening, maturity date and maturity value should be calculated, with and without taking into account tax to be paid, where applicable

M A 10 1 10

1186 Deposit Facility to maintain and view at transaction time, the operating instructions for an account

M A 10 1 10

1187 Deposit Support for marking multiple liens on term deposit account

M A 10 1 10

1188 DepositSystem should have provision to payout periodical interest by internal transfer/ DD/ MC/ ECS/NEFT/RTGS, etc.

M A 10 1 10

1189 Deposit Autorenewal facility should be available as per banks product definition

M A 10 1 10

1190 Deposit Option to create multiple receipts for a single depositor with similar details.

M A 10 1 10

1191 Deposit Multiple payment modes in case of interest payout should be receiptwise/accountwise

M A 10 1 10

1192 DepositMaturity notices/reminders generation for future dates should be available. The same should be available in "From" "To" dates

M A 10 1 10

1193 Deposit

Renewal for higher amount than the maturity value should be allowedeg. A receipt of Rs.100000/- is matured. If customer wants to renew the same as Rs.110000/- by depositing cash Rs.10000/-. New receipt of Rs.110000/- should beallowed

M A 10 2 20

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1194 DepositDirect renewal of two receipts of different products in single receipt should be allowed & vice versa M A 10 2 20

1195 DepositIf cheque is submitted for opening deposit account, account should be opened only after cheque is cleared (value dating of transaction)

M A 10 1 10

1196 Deposit Facility to open Deposit with a value date. M A 10 1 10

1197 Deposit System should restrict the extent for period allowed for back value dating.

M A 10 1 10

1198 DepositSystem to support - In case of Senior Citizen a/c in joint names, the normal rate of interest to be changed wef date of death of senior citizen.

M A 10 1 10

1199 Deposit

System should restrict introduction from properly inbtroduced accounts opened and which are older than a specified period ( as per parameter say - not less than 6 months )

M A 10 1 10

1200 Deposit Provision in the System to block accounts where letter of thanks is returned undelivered

M A 10 1 10

1201 DepositSystem should restrict type of operation in the accounttill acknowledgement of address confirmation is received

M A 10 1 10

1202 Deposit Pop ups for new messages / alerts / schemes /also for terrorist organizations.

M A 10 1 10

1203 Deposit All KYC documents should be tracked by the system. M A 10 1 10

1204 Deposit Calculate Tax-Deduction at Source and automatic proper accounting as per parameters.

M A 10 2 20

1205 Deposit

Interest calculation for TDS purpose should include all term deposit accounts held by the customer at the branch. User should be able to define whether a type of deposit is to be considered for TDS calculation or not.

M A 10 1 10

1206 DepositTax Deduction to be parameterised to include at time of accrual / credit of the account / time of payment, whichever is earlier.

M A 10 1 10

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1207 Deposit

In case of Monthly / Quarterly Interest payable FDRs, system should support computation of TDS based on total interest payable during the financial year and effecting deduction at the time of payment / at Bank defined point of time .

M A 10 2 20

1208 Deposit

System should first credit the interest account with the full interest and debit the TDS account with the tax amount, rather than crediting the new interest amount to the interest account.

M A 10 1 10

1209 Deposit

Facility for report on Projected TDS for all customers of a branch & intimation letter should be generated automatically.Facility of the system to display and print the projected Tax deducted amount at the opening of deposit. The system should consider all the deposit accounts / Term deposits held by the customer with the branch / bank.

M A 10 1 10

1210 Deposit Withholding tax adjustments. M A 10 1 10

1211 Deposit Provision to view/print projected TDS of a customer should be available

M A 10 1 10

1212 DepositTDS "Y" or "N" marking facility should be available with appropriate reason for the same in case of "N" M A 10 1 10

1213 Deposit Customer-wise/Receipt-wise/Account-wise / Year-wise TDS deduction facility should be available

M A 10 1 10

1214 Deposit TDS Form 16A should be generated as per requirement M A 10 1 10

1215 DepositAll relevant I.T.returns should be generated automatically & E-return data generation and uploadinginto TIN facility center

M A 10 1 10

1216 Deposit User definable screens for data capture M A 10 1 10

1217 Deposit

System should define fields as mandatory / non – mandatory in the system for data capture (These fields are apart from fields which are key fields used internally by the application for processing purposes)

M A 10 1 10

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1218 Deposit System should highlight mandatory fields in a different color.

M A 10 1 10

1219 Deposit System should support user definable date and amount formats

M A 10 1 10

1220 Deposit

Facility for adding new fields ( any data type e.g. Numeric, text, date etc) for additional data capture as required by the Bank in each module, product / scheme

M A 10 1 10

1221 Deposit

System should integrate / interface with all the deliverychannels in such a way that at any point all the channels, including the Core Banking Host show the same status, for example the balance shown on internet banking should be same as that shown on the ATM and that in the Branch at the any particular point in time

M A 10 1 10

1222 DepositSystem should mark reports as mandatory and non mandatory for prinitng at the branch / business units M A 10 1 10

1223 Deposit System should schedule reports for printing I.e. day-end, month-end, year end etc.

M A 10 1 10

1224 Deposit

System should maintain a calendar file for all branches, regions and head office. Further the system should have the capabilty to define holidays for each branch / region

M A 10 1 10

1225 Deposit

System should support creation of various types of accounts with various parameters ( e.g minimum balance, Insurance linked, No frill acs, Zero balance a/c, Saving Mela canvassed a/c, RF & BDRF a/c etc)

M A 10 1 10

1226 DepositMinimum Balance – changeable parameter as and when bank decideds to do so M A 10 1 10

1227 Deposit Free Cheque Books upto the Parameter Set M A 10 1 10

1228 DepositCharges per Cheque Book thereafter as per chargemaster

M A 10 1 10

1229 DepositRegistration of Stop Payment of Cheque and Report there-on M A 10 1 10

1230 Deposit Revoke of stop payment M A 10 1 10

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allotted

1231 DepositFreezing of account / Releasing Freeze - provision of a field to capture narration in respect of multiple freezing by way of date , amount and reason etc

M A 10 1 10

1232 DepositCheque book inventory to be maintained along with functionality of marking lost/revoke lost etc for the same. M A 10 1 10

1233 DepositSeparate minimum balance for an account with cheque facility and without cheque facility M A 10 1 10

1234 DepositProduct calculation based on minimum balance during 10th to end of month for each completed month on Half yearly basis.

M A 10 1 10

1235 DepositProduct calculation on daily product basis / as per RBI guideline on Half yearly basis M A 10 1 10

1236 DepositInterest calculation at the time of Account Closure for the completed months M A 10 1 10

1237 DepositInterest calculation to be parameterised based on Clear balance. M A 10 1 10

1238 DepositMinimum Interest as per RBI Guidelines

M A 10 1 10

1239 Deposit No drawal "Against Uncleared Effect" M A 10 1 10

1240 DepositAllow withdrawals on withdrawal slip, in case of account with cheques book give proper message. M A 10 1 10

1241 Deposit Withdrawal/Deposit From/To account at another branch M A 10 1 10

1242 Deposit Funds transfer to and from another account M A 10 1 10

1243 DepositCan the operating instructions for an account (singly, jointly, either or survivor, former or survivor etc) be defined, displayed during transation entry

M A 10 1 10

1244 Deposit

Classification into different schemes or products (general, staff etc) with varying parameters (minimum balance, interest rate, service charges, cheque book charges etc). M A 10 1 10

1245 DepositPossibility of not calculating/stop payment of interest in a Specific account or in a scheme D A 6 1 6

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1246 Deposit Photo & signature scanning (Application can store both) M A 10 1 10

1247 DepositIf account holder is minor, guardian / representative thereof. M A 10 1 10

1248 DepositNomination (Name, Age, Date of Birth, Relation, Addresses, etc.). M A 10 1 10

1249 Deposit System to support - Only single Nominee M A 10 1 10

1250 DepositSystem to support - Change of Nominee / date of Change

M A 10 1 10

1251 DepositIf the nominee is minor, Representative of minor (as per rule),Date of Birth of Minor, etc. M A 10 1 10

1252 DepositSystem to support - Minor to be eligible to operate the account as per Bank defined parameter ( age / literacy) M A 10 1 10

1253 Deposit Date of introduction of joint a/c holder. M A 10 1 10

1254 Deposit Date of withdrawal of joint a/c holder. M A 10 1 10

1255 Deposit Ask reason to operate an inoperative account. M A 10 1 10

1256 Deposit Facility to surrender cheque book. M A 10 1 10

1257 Deposit System to print on Passbook "Nominee registered" M A 10 1 10

1258 DepositSystem to print on Passbook the name of Nominee ( if desired by the account holder) M A 10 1 10

1259 DepositPop up message at the time of every Transaction in SB/CA accounts in case of any overdue loan in his account

M A 10 2 20

1260 DepositFastpathing (Direct access to a function/screen) without having to traverse all the menus. M A 10 1 10

1261 DepositDaily sensing of credit balances in CC/OD a/c and reflecting the same in GL vice versa debit balances in SB and C/A.

M A 10 1 10

1262 DepositBalances – Total, Unclear, Clear, Shadow – Debit, credit

M A 10 1 10

1263 Deposit

Compulsory tallying of GL Balances with Scheme Level and Account level balances on a daily basis. Provision for flashing of a message in case a G/L head is not tallied. M A 10 1 10

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1264 DepositNew Accounts – up to stipulated period flash the message during any transactions M A 10 1 10

1265 DepositGeneration of Balance Report of each type on daily basis and to be stored separately for use in case of system is down

M A 10 1 10

1266 Deposit

Daily automatic checking of integrity of previous day’s closing balance and the current day’s closing balance after taking into account the transaction amounts of the day and automatically setting tem right

M A 10 1 10

1267 Deposit

Signature scanning/storing/displaying – maintaining one to one, one to many – add, modify, delete, query, show and maintain the history of changes as permanent audit trial.

M A 10 1 10

1268 DepositTo compute interest based on daily Product with Shadow / Clear balance M A 10 1 10

1269 Deposit

System to provide a text field to capture - Detailed Mode of operation / designation of operator. All the past information together with date of change to be captured and displayed.at user's request.

M A 10 1 10

1270 Deposit

Passbook printing – front page, first page, transaction pages, auto track of last printed transaction, forcible print of any date range transactions, duplicate pass book issue track, charges for duplicate pass book issue. Should support all standard passbook formats.

M A 10 1 10

1271 Deposit

Text file updates to all modules like operative accounts, loan accounts-installments, deposits – recurring deposits – RD installments, remittance for bulk DD, bill for bulk lodgment, outward clearing – for bulk lodgment from customer to our database, or to outside system

M A 10 1 10

1272 DepositProvision should be available to change the interest rate globally -- schemewise M A 10 1 10

1273 DepositFlexible interest set up (base, penalty, additional at product and adjusted account level) M A 10 1 10

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1274 DepositTiered /slab-wise interest rates

M A 10 1 10

1275 Deposit

Charges application criteria – if balance less than charges amount – whether to forcibly allow, allow up to zero balance, not to apply if balance is not sufficient, store the uncollected interest and collect it as and when the balance becomes available in

M A 10 1 10

1276 DepositCollection of charges beyond the allowed free no of withdrawals, M A 10 1 10

1277 DepositTrack by system when the interests – credits, debits / charges are applied, and up to which date it is applied M A 10 1 10

1278 Deposit

Folio charges application can be with frequency like monthly, quarterly, half yearly, yearly. Incomplete folio for months/quarters/half year to be carried forward and only at the year-end, it should be rounded off to next folio. Folio charges and the nu

M A 10 1 10

1279 DepositApplication of Incidental charges as per user defined parameters M A 10 1 10

1280 DepositCheck availability of Lien, freeze, partial freeze, Blocking, earmarking, Operations / Withdrawal Stopped, M A 10 1 10

1281 DepositAddition/deletion/removal of all above status with tracking of the same M A 10 1 10

1282 DepositSystem should also provide flexibility to waive/ reduce the charge on specific transaction for any account, with appropriate approval

M A 10 1 10

1283 DepositStanding instructions maintenance for –

A

1284 DepositCrediting Interest on Fixed Deposit to Savings/other Accounts M A 10 1 10

1285 DepositTransfer of Loan Installment from operative Accounts to Term Loans M A 10 1 10

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1286 DepositTransfer of RD Installment from operative Accounts to Recurring Depsosits Accounts/Locker rent, etc. M A 10 1 10

1287 Security System should be able to define user profiles (Capabilities/ Rights)

M A 10 4 40

1288 Security System to facilitate creation of the user ID’s at a central level / branch level as desired by the Bank

M A 10 2 20

1289 Security System to attach the user ID of the employee to each and every action done in the system

M A 10 3 30

1290 Security System should not allow multiple logins from different nodes by same user ID

M A 10 4 40

1291 Security System should allow multi branch access to specific/selected users as per banks requirement

M A 10 4 40

1292 Security System should set a default password upon creation of the user ID.

M A 10 2 20

1293 SecuritySystem should allow the user (Bank) to define password policies. The minimum password policies to be defined are:

A

1294 Security Ø Minimum/ Maximum password length M A 10 1 10

1295 Security Ø Alpha numeric combination of password M A 10 1 10

1296 Security Ø Compulsory use of special characters M A 10 1 10

1297 Security Ø Minimum password age M A 10 1 10

1298 Security Ø Password expiry period M A 10 1 10

1299 Security Ø Repeat passwords etc. M A 10 1 10

1300 Security Ø Repeat passwords period etc. M A 10 1 10

1301 SecurityThe system should be able to automatically check the passwords with the password policy, which can be customised by the bank.

M A 10 3 30

1302 Security

System should enforce changing of the default password set by the system (at the time of creation of user ID) when the user 1st logs on to the system. The system should enforce all password policies as defined at the time of first change.

M A 10 2 20

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1303 Security System to define hierarchical password structure M A 10 2 20

1304 Security System to permit access only through password verification

M A 10 2 20

1305 Security

System to define overrides for certain set of transaction errors / warnings and link transactions to specific user ID’s. All such overrides should be recordedfor Audit trail. Also levels of password to be decided for override.

M A 10 2 20

1306 Security System to form user groups and link rights to such defined groups

M A 10 1 10

1307 Security System to restrict user access to A

1308 Security Ø Menus M A 10 1 10

1309 Security Ø Sub- menus M A 10 1 10

1310 Security Ø Screens M A 10 1 10

1311 Security Ø Fields M A 10 1 10

1312 Security Ø Reports M A 10 1 10

1313 Security Ø Combination of the above M A 10 1 10

1314 SecuritySystem to define levels of authorisation, while ensuring minimum two levels. How teller payments will be authorised.

M A 10 2 20

1315 SecurityThe system should be capable of encrypting the password / other sensitive data during storage and transit.

M A 10 2 20

1316 SecurityThe system should be able to generate audit trails of alltransactions. The minimum fields that should be captured in the audit trail are:

A

1317 Security Ø Date & time stamp M A 10 1 10

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1318 Security

Ø Transaction ID linked to every transaction / activity. Transaction ID has to be unique and should not be duplicated. Further the transaction ID should be generated whether the transaction is successful, unsuccessful / rejected.

M A 10 1 10

1319 Security Ø Operator ID M A 10 1 10

1320 Security Ø Authorised By M A 10 1 10

1321 Security Ø Overridden By M A 10 1 10

1322 Security System to define conditions for transactions to be treated as exceptional transactions

M A 10 2 20

1323 SecurityFor each exception, system to define the system should generate a warning message or proceed with authorization or reject the transaction.

M A 10 1 10

1324 Security

System to define level,amount of transaction / type of transaction and number of authorizations required to pass an normal / conditional / exceptional transaction

M A 10 1 10

1325 Security

The system should generate exception reports on a daily basis as a part of the day – end activity. It should also be able to print/display exception reports for any defined date .The exception listing should capture the following-

A

1326 Security Ø Those transactions that require approvals from higher authorities.

M A 10 1 10

1327 Security Ø All rejected and cancelled transactions along with reasons for the same.

M A 10 1 10

1328 Security Ø Any changes made to the global parameter files M A 10 1 10

1329 Security The system should at least display the following fields in the exceptional transaction report

M A 10 1 10

1330 Security Ø Date & time stamp M A 10 1 10

1331 Security Ø Transaction ID M A 10 1 10

1332 Security Ø Operator ID M A 10 1 10

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1333 Security Ø Transaction details (before changes) M A 10 1 10

1334 Security Ø Transaction details (after changes) M A 10 1 10

1335 Security Ø Referred by ID (referring officer in case of higher approvals)

M A 10 1 10

1336 Security Ø Authorising Personnel ID M A 10 1 10

1337 Security Ø Remarks if any M A 10 1 10

1338 SecurityThe system should be capable of generating a supplementary of all transactions done during the day M A 10 2 20

1339 SecurityThe system should allow users to define error messages (parameterisable) for a particular transaction M A 10 2 20

1340 SecuritySystem to restrict employees to post and also authorise transactions in his / her own accounts or those of his / her relatives accounts.

M A 10 2 20

1341 SecuritySystem to restrict access to critical accounts / information to a particular user id / or a group of users. M A 10 2 20

1342 SecurityThe system should have provision to allow/ not allow any changes to be made to the details of the transaction after authorisation by the officer.

M A 10 2 20

1343 SecurityThe system should not permit the same individual to modify and authorise the same transaction - except Teller Window

M A 10 1 10

1344 Security System should restrict access to post directly to the Profit and loss account heads

M A 10 1 10

1345 SecuritySystem should restrict access to any teller / officer / branch personnel to change global parameters M A 10 2 20

1346 Security

System should enforce "Maker" "Checker" concept for all types of transaction entry, modification , deletions, static data entry, modifications, deletions

M A 10 1 10

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1347 Security

System should define Maximum Inactive Time (parameterisable) after which a user should be automatically locked and logged out of the system.

M A 10 1 10

1348 Security System should suspend or cancel a user ID , if remains unused for a defined time frame.

M A 10 1 10

1349 Security System must have provision to revoke suspended user Ids.

M A 10 1 10

1350 SecuritySystem should have provision to allow only those transactions to be deleted that are unauthorised and capture audit trail for such deletions

M A 10 2 20

1351 Security System to capture signatures of employees having user-ids in the system

M A 10 1 10

1352 SecuritySystem should support tracking of all the System administration activities within appropriate system log M A 10 1 10

1353 Security System should report active users in the system branchwise or bank wise.

M A 10 1 10

1354 Security System should have Log report of users logging in & out of the system throughout a period of time.

M A 10 1 10

1355 Security System to support definnig separate menu options with view / query options for auditors etc.

M A 10 2 20

1356 Security

System to support geographic regionwise,branchwise,account type wise,transaction type wise facility for fixation of teller/ single window limits.

M A 10 2 20

1357 SecuritySystem should support online surveillance from a remote place (Data Center) about the activities performed by users in various locations.

M A 10 2 20

1358 SecuritySystem should parameterise different business hours,working hours, weekly offs, holidays etc. for different branches

M A 10 1 10

1359 Security System should support dual passwords for assess to critical functionalities.

M A 10 1 10

1360 Security System should track the changes made in parameter files along with detailed audit trail

M A 10 1 10

1361 SecuritySystem should generate reports for login access , staff with multiple level access, ,use Ids disabled,suspended,cancelled users.

M A 10 1 10

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allotted

1362 Security

System should support creation of temporary user id's and access rights based on number of days, months restrictions or time based restrictions (minutes, hours)

M A 10 1 10

1363 Security

System should define users as free / captive users e.g.a free user is a user who can access accounts / data of another branch and can pass financial transactions in the other branch from his home branch depending upon the access right and levels. A captive user is a user who cannnot either view any other branch data nor pass any financial transactions in other branches

M A 10 2 20

1364 Security System should have provision of user level amount restriction limit

M A 10 1 10

1365 Security System should have provision of user level authorisation amount restriction limit

M A 10 1 10

1366 Head Office

To capture Transaction between WBSCB and NABARD/NCDC/SIDBI etc. in respect of Borrowings availed from them and consequential Interest Calculation / Repayment and handling the same through KMB and downward transmission to RO / CCB / DCCB

M A 10 1 10

1367 Head Office

To capture Transaction between WBSCB and NABARD/NCDC/SIDBI in respect of Borrowings availed from NABARD/NCDC/SIDBI and consequential Repayment based on Repayment Schedule which is to be noted in the system.

M A 10 1 10

1368 Head Office

To capture Transaction between WBSCB and NCDC / SIDBI etc in respect of Borrowings availed from NCDC / SIDBI etc and consequential Interest Calculation / Repayment and handling the same through KMB

M A 10 1 10

1369 Head OfficeTo capture Transaction between WBSCB and Govt Borrowings - Repayment of Interest / Principal M A 10 1 10

1370 Head OfficeSystem to compute various types of Subsidies to be claimed from different bodies. M A 10 1 10

1371 Head OfficeHandling of various types of Subsidies e.g from NABARD / Govt of WB / GOI etc M A 10 1 10

1372 Head OfficeHire/Purchase of assets and their accounting

M A 10 1 10

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allotted

1373 Head OfficeHandling of various types Litigation and their status

M A 10 1 10

1374 Head OfficeAccounting for AMC charges with various service providers.

M A 10 1 10

1375 Head OfficeMaintenance of Bills Payable Register (Vendor, Receive on, Bill No. and Date, Dept. No., Particulars, Bill Amount, Paid on, etc.) M A 10 1 10

1376 Head OfficeProvision for generation of Bills Paid and Bills Payable Report with details of bills parameterized, e.g. Vendor, Bill Date, Dept. paid/unpaid etc.).

M A 10 1 10

1377 Head OfficeProvision for query on any bill

M A 10 1 10

1378 Head Office Accounting for TDS for bills payments M A 10 1 10

1379 Head Office Generation of TDS certificates for vendors. M A 10 1 10

1380 Head Office Accornting for Sales Tax M A 10 1 10

1381 Head Office Accounting for Service Tax M A 10 1 10

1382 Head Office Accounting for Corporation Tax / Misc Tax M A 10 1 10

1383 Head OfficeGeneration of reports for tax-paid (parameterized, e.g. sales tax, service tax, TDS, etc.) for any period M A 10 1 10

1384 Head OfficeAccounting for TA/DA Bills/Paper Bills etc. M A 10 1 10

1385 Head OfficeAccounting for Festival Advance / LFC Advance/Medical Advance, etc. (With Interest / Interest Free as may be the case)

M A 10 1 10

1386 Head OfficeAccounting for HBL/ Consumer Loan / Personal Loan, etc. for Staff (A/c opening / disbursement / Interest on Loan / Closure / repayment etc.)

M A 10 1 10

1387 Head OfficeReport on outstanding balances on various types of staff loans and advances (parameterized) M A 10 1 10

1388 Head OfficeCalculation of interest on various loans during repayment. M A 10 1 10

1389 Head OfficeQuery on interest on loans (parameterized) M A 10 1 10

1390 Head OfficeAccounting for Purchasing Computers, Printers, Scanner etc. (Sundry Account, to be adjusted with branches later) M A 10 1 10

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1391 Head OfficeAccounting for printing and stationery M A 10 1 10

1392 Head OfficeMaintenance of Inventory - Purchase / Issue / Costing / Accounting / Reorder Levels etc M A 10 1 10

1393 Head OfficeDetails of Investment of the Agricultural Credit Stabilization Fund / Populaton branchwise ( Form - VI - as on the last Friday of each quarter.

M A 10 1 10

1394 Head OfficeSelected Information for compilation of monetary aggregates as per - Form B (Annexure-I) M A 10 1 10

1395 Head Office Form I - Report- Monthly Statement of CRR / SLR. M A 10 1 10

1396 Head Office Form II - Report- Monthly Statement of CRR / SLR. M A 10 1 10

1397 Head Office Statement of Balance with RBI and reconciliation thereof M A 10 1 10

1398 Head OfficeStatement of Balance with Kolkata Main Branch/other banks M A 10 1 10

1399 Head Office Generation of FORM - B M A 10 1 10

1400 Head OfficeForm 'B' Report- Statement of position at the close business of Friday. M A 10 1 10

1401 Head OfficeSupplementary Statement relating to the monthly return in Form 'B' M A 10 1 10

1402 Head Office Memorandum to Form A/B M A 10 1 10

1403 Head OfficeForm IX Report (BR Act 1949)- Statement showing the assets and liabilities in India as at the close of business on the last Friday.

M A 10 2 20

1404 Head Office Unclaimed Deposit - Form VIII M A 10 1 10

1405 Head OfficeOffsite Sueveillance Report ( I -V ) M A 10 1 10

1406 Head OfficeDetailed statement for any General Ledger maintained by HO for a range of dates. M A 10 1 10

1407 Head Office General Ledger / PL Accounts of Head Office M A 10 1 10

1408 Head Office General Ledger of PL Accounts of the Bank M A 10 1 10

1409 Head OfficeGeneration of Balance sheet (Quarterly/Half-yearly/Yearly) of the bank. M A 10 1 10

1410 Head Office Consolidated Trial Balance of the Regions M A 10 2 20

1411 Head Office Quarter/Half-year/Year-end of all branches from HO M A 10 3 30

1412 Head OfficeImplementation of Transfer Price Mechanism - Adjustment of Profit / Losses- amongst Branch / HO M A 10 2 20

1413 Head Office Branch Gradation Report as per parameters M A 10 2 20

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allotted

1414 MIS

System should upload data received in any electronic format from branches outside the core banking system for consolidation and amalgamation for reporting purposes

M A 10 1 10

1415 MIS

System should provide user-friendly, multi-dimensional analysis and decision support tools like Data Explorer, Data Analyzer, to the executives covering functionalities across the Bank

M A 5 0

1416 MISSystem should provide high flexibility in designing queries and accessing the key data by the executives M A 5 0

1417 MIS

System to support manual feeding of data at the nodal / link departments or Head Office for consolidation and amalgamation of data received by manual branches.

M A 10 1 10

1418 MIS

System should provide fucntion where user to define print layout (horizontal / vertical etc.) and other print setting (paper size, margin etc.) through menu driven options

M A 10 1 10

1419 MIS System to provide a flexible report writer with the following minimum features:

A

1420 MIS · Specify the format and layout of reports M A 10 1 10

1421 MIS · Summarise and total the information to be reported M A 10 1 10

1422 MIS · Selected records to be included in the report M A 10 1 10

1423 MIS · Selected details from each record to be included. M A 10 1 10

1424 MIS · Perform arithmetic calculation on the information selected

M A 10 1 10

1425 MIS

System to print reports as on a particular date, any user defined date or range of dates for the selected criteria (e.g. stop payments, transaction details etc.)

M A 10 1 10

1426 MIS

System to define reports for scheduled printing at the branch level, Head Office etc. e.g. printing of n1 number of reports at day - end at the branch, n2 number at day - begin at the Head Office etc. and also based on activities like day-begin, day-end, month begin/end etc

O A 4 1 4

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allotted

1427 MIS System to restrict access to reports based upon user privileges defined in the system

M A 10 1 10

1428 MIS

System to have the capability of scheduling report printing (parameterisable) from the data centre for thevarious branches which should be automatically printed at the designated branches based on parameterised rules e.g. on day-end, on day-begin, month end year end etc

M A 10 1 10

1429 MIS

System should check whether Credit Monitoring statement of large borrowal accounts – Part B – Accounts with Rs. 2 crores and above (parametrisable) is generated.

M A 10 1 10

1430 MIS Debit and credit summations M A 10 1 10

1431 MIS Overdue bills (Number and Amount) M A 10 1 10

1432 MIS Excess /Adhoc allowed, date of adjustment M A 10 1 10

1433 MIS Details of guarantee invoked etc M A 10 1 10

1434 MISSystem will be able to generate the above statement for different amounts viz. Rs. 1 Crore and above etc. (defaulters list)

M A 10 1 10

1435 MIS

System should generate the report for balance sheet analysis as per RPCD guidelines which include tier 1, tier2 capital, total risk weight assets, details of loan assets and investment and details of earnings along with financial ratios as required by the statutory authorities

M A 10 3 30

1436 MISThe frequencies of generation of these reports /statements can be parameterised e.g. Quarterly to Monthly to weekly and vice- versa

M A 10 1 10

1437 MIS

System should feed qualitative comments/notes manually without affecting the sanctity of report to explain the reason wherever fields (e.g. remarks /comments etc.) exist in a particular report /statement and facility to configure to see that the respective department alone at Controlling Office can view.

M A 10 1 10

1438 MISSystem should segregate accounts quantum wise ( < 1 lac, 1-5 lac, etc. ) possible (advances and deposits) M A 10 1 10

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1439 MIS System should generate scheme-wise progress reportsas per periodicity defined by the Bank.

M A 10 1 10

1440 MIS

System should compare with previous week/ month/ quarter/ half year/ year possible or comparison for a given period/ periodical progressive reports.

M A 10 1 10

1441 MISSystem should generate reports for branches category-wise/ population-wise etc. on different parameters. D A 6 1 6

1442 MIS System should calculate averages of Deposit/ Advances/Business etc. per employee/per branch

M A 10 1 10

1443 MIS Calculation of cost of deposit and yeild on advance M A 10 1 10

1444 MIS Calculation of cost of borrowing/loan separately for NABARD and other institutions

M A 10 1 10

1445 MIS Calculation of yeild on investment M A 10 2 20

1446 MIS Sector-wise/Borrower-wise breakup of interest income M A 10 2 20

1447 MIS Sector-wise/Borrower-wise breakup of projected interest income

M A 10 2 20

1448 MIS System should calculate Income/ Expenditure/ Profit/ Loss per employee/per branch

M A 10 1 10

1449 MIS System should calculate cost of funds/ yield on funds M A 10 2 20

1450 MIS System should calculate the Break-even analysis of profitability.

M A 10 2 20

1451 MIS System should generate exposure to – Sensitive sector, Real Estate etc.

M A 10 1 10

1452 MIS System should calculate Deposit Insurance premium M A 10 1 10

1453 MIS System should generate reports/ statements as per new Basle Capital Accord.

M A 10 2 20

1454 MISSystem should provide projection of interest payable and receivable for a particular period. M A 10 2 20

1455 MIS System should provide projection of cash/fund inflows and cash/fund outflow for a particular period.

M A 10 1 10

1456 Funds and Investment

The system should have provision for Generation of Balances of GL Heads as per the Codes(parameter) – M A 10 1 10

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System should have functionality of viewing statement of the balance of any GL Head viz RBI Balance (Kolkata/Mumbai).

M A 10 1 10


System should have the facility for Uploading /Feeding daily Bank statements for reconciliation of the entries in the Interbank ledger head.

M A 10 1 10


System should have provision for reconciliation of unmatched entries in the Bank account and the respective daily statement of the Bank.

M A 10 1 10


System should have facility of generation of reports of unmatched entries: M A 10 1 10


a. Entrywise – Date wise

M A 10 1 10


b. Agewise -Amount wise

M A 10 1 10


System should have the branches to advise Inter Bank account reconciliation process with comments on un-responded or outstanding entries.

M A 10 1 10


System should have Automated report of all clearing centres regarding inward and outward clearing position in all types of cheque clearing.

M A 10 1 10


System should have detailed enquiry listing branch-wise - for proper monitoring of funds inflow and outflow

M A 10 1 10


System should have Provision for branches to report future outflows and inflows date-wise for use of fund managers on daily basis.

M A 10 1 10


System should provide Differences in inter-branch reconciliation (both Dr/Cr) M A 10 1 10

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The system should allow storage, consolidation and transmission / retrieval of data related to trial balances, on parameterised dates ( e.g. daily / last Friday/ weekly / fortnightly / month end /Quarterly/Half-Yearly/Yearly etc.) data incorporating all assets and liabilities at branch / office level.

M A 10 1 10


System should show Summary of Net Demand and Time Liabilities with proper segregation as demand and time / short term and long term as per RBI norms

M A 10 1 10


System should show Summary of Capital and Reserves of the bank with record of changes made date-wise. M A 10 1 10


System should show Details of Assets and Liabilities (by segregating current and fixed) to the Banking System .

M A 10 1 10


The system should extract data showing daily balances of all branches showing: A


Daily Cash Balances.M A 10 1 10


Daily Balances with SBI/Other Notified Banks/Other Banks and Financial Institutions M A 10 1 10


Daily Outstanding of Approved Investments with Accrued Interest on SLR and Non-SLR Investments and Amortisation.

M A 10 1 10


System should report Cash Balances actually maintained with RBI (Kolkata/Mumbai) vis-à-vis Average Requirement on daily/fortnightly basis .

M A 10 1 10


System should generate on demand - on parameterised periodicity ( e.g. Week-wise / monthwise etc) / Region-wise / District-wise / Category-wise variations of the following :

A

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Position of deposit( with various categories / sub-categories) and advances( with various categories / sub-categories) of the branches.

M A 10 2 20


Position of cash / SBI / Other Bank balances.

M A 10 1 10


Position of other liabilities.

M A 10 1 10


Achievement of targets vis-à-vis Business Plan in respect of imoportant parameters M A 10 1 10


System should generate reports of high value deposits over a given amount maturing within any given period / date

M A 10 1 10


Accounting of Transaction as per bank's accounting system and booking of interest / swap gain / swap charges etc.

M A 10 1 10


System should generate the following for preparation of CRR Interest Claim at specified interest claim at specified intervals.

O A 4 1 4


System should recognise reporting fortnight dates and acceptance of data for the reporting dates O A 4 1 4


System should determine CRR requirement of the bank based on the following inputs: A


DTL and NDTL on the reporting dates (2nd previous fortnight, as per present norms) M A 10 1 10


The system should prepare day-wise CRR maintenance statement and computation of permissible daily average.

M A 10 1 10

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System should generate report on cash transactions over a given amount ( say Rs.10 lac) giving details like dateof transaction, branch name & code, type of transaction (Dr/Cr), type of account etc

M A 10 1 10


System should generate report on the sources and uses of fund required at periodic intervals (daily, weekly, fortnightly, monthly, quarterly) giving the inflow of funds from various sources and the corresponding uses vis-à-vis the outflow of funds for varied obligations / reasons

M A 10 1 10


All the departments of HO should allow to work independently but integrated with each other. The Central Accounts Department ,HO will be able to overview the accounting transaction part of all the departments of HO includeing Treasury Section.

M A 10 1 10


Investment and Treasury Department should have the facilities to maintain all their assets based on SLR/ NONSLR/Private Palcement investment etc and due date of all investments, calculation of interest periodically, remdemption date, payment of interest date for performing transactions based on advice received from other Banks/FIs etc

M A 10 1 10


There should be facility to purchase/sale, add new investment assets with all the details like name of the investment, effective date, maturity date, interest rate applicable, date of interest payment, discount/premiumpaid/received at the time of purchase, amortization/depreciation

M A 10 1 10


Investment Module Should Allow the Following securities: A


Interest Bearing Securities M A 10 1 10


Discounted SecuritiesM A 10 1 10

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Bonds (GoI Bonds/other bonds)M A 10 1 10


Treasury BillsM A 10 1 10


Certifacte of Deposit (CD)M A 10 1 10


Call Money/Notice Money, etc. M A 10 1 10


Borrowing and placementM A 10 1 10


Collateralized borrowing and lending obligations (CBLO)M A 10 1 10


Repurchase transactions (REPO)M A 10 1 10


The investment module should be scalable to provide facility to submember banks in the form of CSGL account

M A 10 1 10


Facility to provide limits for Brokers,Security-wise, etc.M A 10 1 10


Ability to follow the Standard Deal Life Cycle (Held-to-Maturity[HTM], Available for Sale[AFS], Held for Trading [HFT], Current and Permanent, etc.). Should provide options for entry, Transfer with proper authentication ,authorization, confirmation, settlement and reversal

M A 10 2 20


Defining accounting entries, Voucher generationM A 10 1 10


Integration with existing accounting software.M A 10 1 10

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Provision for coupons/yeild for sale and purchaseM A 10 1 10


Defining Different portfoliosM A 10 1 10


Transfer of securities from one portfolio to anotherM A 10 1 10


Amoratization of securitiesM A 10 2 20


Different Sqaure off (Trade gain) Computation methodslike Max profit,Max Loss, LIFO,FIFO Weighted Average,Adhoc methods, etc.

M A 10 1 10


Facility to handle (placement/maturity) Term Deposits in inter-bank deposits M A 10 1 10


Interest Provision on inter-bank Term DepositsM A 10 1 10


Reports on different earmarked matching fundsM A 10 1 10


Category-wise/Period-wise reports on Term Deposits kept with different bank M A 10 1 10


Facility to connect to external systems like NDS, Reuters, FIMMDA, CCIL, etc. M A 10 1 10


Different analysis like YTM, Duration Convexity, Yield Curves M A 10 1 10


The utilities to download the data from branch databases/Test Files/backups M A 10 1 10


The backdated transaction should be allowed for MOCs ( Memorandum Of Changes) suggested/required before finalization of Accounts at HO

M A 10 1 10

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Consolidation of data required for reporting to various authorities and statutory bodies in their required format (bank will make available all such formats of reports)

M A 10 1 10

1523 General Ledger

System should generate the monthly progress report branch-wise and consolidate the same for various branches at the nodal/link departments and Head Office

M A 10 2 20

1524 General Ledger

System should Report on Weekly reserve requirement M A 10 2 20

1525 General Ledger

Bank statistics to different departments of RBI such as Deposits held by different customer categories etc. M A 10 1 10

1526 General Ledger

System should Consolidate, providing flexible reporting of user-defined financial ratios compared to similar ratios for the previous period, the same period last year and year-to-date & quarterly/half-yearly

M A 10 2 20

1527 General Ledger

Interfaced Transactions - System should Lists all transactions received from automated interfaces and any related balancing or exception errors

M A 10 2 20

1528 General Ledger

System should Increase and decrease over similar balances to the previous year and also show budget variances

M A 10 2 20

1529 General Ledger

System should generate reports such as journals, logs, audits trails, transaction reports and account based reports

M A 10 3 30

1530 General Ledger

Summary Trial Balance - System should summarise listing of all account activity for the accounting period, including open and posted transactions.

M A 10 2 20

1531 General Ledger

Transaction Register -System should lists transactions by user-specified ranges of periods, accounts, transaction types, transaction dates, amounts or any combination thereof

M A 10 1 10

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1532 General Ledger

Ad Hoc reports - System should provide an interactive tool for creating user- specified report that access, select and sort on any field within the database, calculate values including arithmatic's percentages, variances and statistics, create new fields and compare between columns, create multiple subtotals and grand totals, access current period, prior period and prior year data, print to printer, screen or disk , save and modify versions, and download in standard PC/Mac spreadsheet or database format.

M A 10 3 30

1533 General Ledger

System should provide Differences in inter-branch reconciliation

M A 10 1 10

1534 General Ledger

System should have a function where in Sundry creditors / Impersonal accounts, reversal of entry beyond 1 year should be authorized by two officials.

M A 10 1 10

1535 General Ledger

System should perform operation of any Entry outstanding more than 3 years in sundry A/C to be transferred to HO A/c

M A 10 1 10

1536 General Ledger

No debit entry to be accepted by the system on HO A/c or as per parameter except Transfer Price and P&L A/c.

M A 10 1 10

1537 General Ledger

All GL accounts should have scope to create Sub account / and any other account below the Sub a/c level

M A 10 1 10

1538 General Ledger

All RBI/NABARD, etc. submission reports to be generated automatically M A 10 2 20

1539 PayrollSystem should support rectification any entry, if detected afterwards. M A 10 1 10

1540 Payroll System should support calculation of arrear salary. M A 10 1 10

1541 AIMAS

Verification of Ledger Balance of various SCBs before allowing encahsment/clearance of the DD issued by the concerned participating bank/branches.

M A 10 1 10

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1542 AIMAS

Sanction of Temporary Overdraft (TOD)for enabling encashment/clearance of the demand draft issued by any participating bank/branch where sufficient balance for encashment/clearance of the instrument is unavailble.

M A 10 1 10

1543 AIMASCalculation and charging of interest for allowing overdraft. M A 10 1 10

1544 AIMASRate of interest for overdraft facility should be as per the choice of the user. M A 10 1 10

1545 Clearing Form A Generation -Items listed but not received M A 10 1 10

1546 Clearing Form B Generation -Items received but not listed M A 10 1 10


Appreciation and Depreciation of SecuritiesM A 10 1 10


Reports on Cash Retention Limit, whether crossed the limit or not. Reports should be parameterized (Day-wise/Week-wise/Month-wise)

M A 10 1 10


Reports on Balances maintained with other banks.M A 10 1 10

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