Built for Co-operative Societies, NBFCs, NIDHIs, Employee Societies & Multi-State Institutions
Member & Account Management
- Digital member onboarding with Aadhaar, PAN & KYC verification
- Manage savings, recurring deposits (RD), fixed deposits (FD), and loan accounts
- Family/group account mapping and nominee management
- Multi-branch and multi-state member data handling
Loans & Advances Module
- Configurable loan products: gold loans, group loans, emergency loans, etc.
- EMI, interest calculation, and prepayment handling
- Automated loan eligibility checks and credit scoring
- Delinquency management and recovery tracking
Daily Collection & Field Operations
- Support for pigmy/daily collection agents with mobile app
- Agent-wise collection tracking and geo-tagging
- Instant SMS and receipts for daily collections
- Offline sync support for rural operations
Deposit Schemes Management
- Customizable FD/RD plans with automated interest calculation
- Renewal, withdrawal, and premature closure options
- Maturity alerts and auto-credit to accounts
- Scheme-wise performance dashboards
Secure, Multi-User Admin Panel
- Role-based access control for staff and agents
- Branch-level restrictions and approval workflows
- Audit logs, user history, and operational alerts
- Maker-checker functionality for critical actions
Reports & Compliance
- Readymade reports for RBI, Registrar of Societies, MCA
- Daily, monthly, and annual financial reports
- Income & expense, NPA, TDS, GST, and audit reports
- Export to Excel, PDF & integration with Tally
Custom Modules & Add-ons
- Dividend declaration & profit-sharing
- Staff payroll and attendance integration
- Multi-lingual support for regional users
- Integration with SMS, WhatsApp, and Email services
Cloud or On-Premise Deployment
- Host on your own server or opt for our secure cloud hosting
- Daily backups and disaster recovery support
- 99.9% uptime and scalable infrastructure
Support & Training
- Dedicated onboarding & training for your team
- Video tutorials, documentation & in-software guidance
- Phone, email, and ticket-based support
- Regular software updates and compliance patches
Income Tax & TDS Compliance (As per IT Act, 1961)
- Auto TDS for deposits, agent commissions, fees (Sec 194A, 194D, 194J, etc.)
- Cash compliance for Sec 269SS/T/40A(3)
- Real-time alerts for breaches & thresholds
- Bulk TDS filing (Form 26Q, 16A)
- ITR-ready tax registers & penalty calculators
- Ideal For: CAs, Auditors, Financial Officers
GST Management for Co-Operatives
- GST billing & member invoicing
- Commission/vendor GST with RCM support
- Auto GSTIN validation, ITC tracking
- GSTR-1, 3B, 9 export-ready files
- GST reconciliation & audit-ready ledgers
Multistate-Optimized Features
- State-Wise Compliance Reporting
- Multi-Branch, Multi-Location Architecture
- Bilingual & Regional Language Support