Requirements By: Tirumalla Tirupati Multistate Co-Op.

Credit Society Limited

Created By: Lohitaksh Rewari
Verified By:

CBS
Business Requirements Document
Version 1.1
 Table of content

1. Business Overview and Scope…………………………………………………………………..………………1

1.1. Overview of the Proposed Requirements………………………………………………………1
1.2. Scope…………………………………………………………………………………………………………….1
1.3. Assumptions, Dependencies and Constraints………………………………………………..1
1.4. References…………………………………………………………………………………………………….1

2. Business Requirements……………………………………………………..……………………..………………1
2.1. Feature Description…………………………….…………..…………………………………………….1
2.1.1. Dashboard…………………………………………………………………………………………1
2.1.1.1. Dashboard……………………………………………………………………………..1
2.1.2. Masters……………………………..………………………………………………………………1
2.1.2.1. Company Profile……………..………………………………………………..…...1
2.1.2.2. Branch Master…………………………………………………………………..……1
2.1.2.3. Group Master…………………………………………………………………………1
2.1.2.4. Share Master……………………………………………………………………..…..1
2.1.2.5. Saving Account Master……………………………………………………………1
2.1.2.6. Scheme Master………………………………………………………..…………….1
2.1.2.7. Bank Account Master…………………………………………………..…………1
2.1.2.8. Rank Master…………..….……………………………………………..……………1
2.1.2.9. Incentive Master………….………………………………………………..……….1
2.1.2.10. Role Master…………….………………………………………………….………….1
2.1.2.11. Occupation Master…………………..…………………………………………….1
2.1.2.12. Relation Master…………………………….……………………………………….1
2.1.2.13. TDS Master………………………………………….…………………….….……….1
2.1.2.14. Charts of Account (GL Code)…..…………………………………..………….1
2.1.2.15. Code Sequence master…………………………………………………………..1
2.1.2.16. Financial Year…………….…………………………………………………….…….1
2.1.2.17. Employee Master……..………………………………………………………….…1
2.1.3. Member…………………………….……………………………………………..……………….1
2.1.3.1. New Customer……………………………………………………………………….1
2.1.3.2. Cibil Score Check…………………………………………………………………….1
2.1.3.3. Customer Synopsis…………………………………………………………………1
2.1.3.4. Customer Search…………………………………………………………………….1
2.1.3.5. Customer Joining Report………………………………………………………..1
2.1.4. Share…………………………………………………………………………….……………………1
2.1.4.1. Member Share Purchase………………………………………………………..1
2.1.4.2. Member Share Refund…………………………………………………………...1
 2.1.4.3. Member Share Register………………………………………………………….1
2.1.4.4. Distinctive No. Gen…………………………………………………………………1
2.1.5. Agent …………………………………….……………………………………….…………………1
2.1.5.1. New Agent……………………………………………………………………………..1
2.1.5.2. Agent Downline………………………………………………………………………1
2.1.5.3. Agent BlockUnblock……………………………………………………………….1
2.1.5.4. Agent ICard Print…………………………………………………………………….1
2.1.5.5. Agent Collection status…………………………………………………………..1
2.1.6. Deposit…………………………………………………………………………………..………….1
2.1.6.1. New Deposit…………………………………..………………………………………1
2.1.6.2. Deposit Renewal…………………………….………………………………………1
2.1.6.3. Daily Renewal…………………………………………………………………………1
2.1.6.4. Accrued Interest For Policy………………..……………………………………
1
2.1.6.5. Interest Ledger……………………………………………………………………….1
2.1.6.6. Deposit Passbook……………………………………………………………………1
2.1.7. Savings Account……………………………………………….…………………………………
1
2.1.7.1. Account Opening ………………………………….……………………………….1
2.1.7.2. All Saving
Account…………………………………………………………………..1
2.1.7.3. Account Transaction……………………………………………………………….1
2.1.7.4. Wallet Passbook……………………………………..………………………………1
2.1.7.5. Transfer Funds………………………………………………………………………..1
2.1.8. Print Section………………………………………………………………………………………1
2.1.8.1. Certificate………………………………………………………………………………1
2.1.8.2. Share Certificate…………………………………………………………………….1
2.1.9. Maturity…………………………………………………………………………………………….1
2.1.9.1. Pre Maturity Settings……………………………………………………………..1
2.1.9.2. Maturity Requisition………………………………………………………………1
2.1.9.3. Maturity Approval………………………………………………………………….1
2.1.9.4. Maturity Payment…………………………………………………………………..1
2.1.9.5. Maturity Projection…………………………………………………………………
1
2.1.9.6. Maturity Budget Report………………………………………………………….1
2.1.9.7. Maturity Status Report……………………………………………………………1
2.1.9.8. Maturity Payment Report……………………………………………………….1
2.1.10. Approval…………………………………………………………………………………………….1
2.1.10.1. Borrower Approval…………………………………………………………………1
2.1.10.2. Investment Approval……………………………………………………………..1
2.1.10.3. Renewal Approval………………………………………………………………….1
2.1.10.4. Saving Transaction Approval…………………………………………………..1
2.1.10.5. EMI Approval………………………………………………………………………….1
2.1.11. DemandDraft……………………………………………………………………………………..1
` 2.1.11.1 Fill DemandDraft…………………..………………………………………………..1
2.1.11.2 List of DemandDrafts……………………………………..………………………1
2.1.12. Accounting………………………………………………………………………………………..1
2.1.12.1. Accounting Rules…………………………………………………………………….1
2.1.12.2. Journal Entries………………………………………………………………………..1
2.1.12.3. Frequent Postings…………………………………………………………………..1
2.1.13. Short - Cut Keys…………………………………………………………………………………1
2.1.12.1 F1 No Use……………………………………………………………………………….1
2.1.12.2 F2 Customer Dashboard and Product Information………………….1
2.1.12.3 F3 No Use……………………………………………………………………………….1
2.1.12.4 F4 Daily position of funds………………………………………………………..1
2.1.12.5 F5 No Use……………………………………………………………………………….1
2.1.12.6 F6 Mobile - Agent Collection Data…………………………………………..1
2.1.12.7 F7 No Use……………………………………………………………………………….1
2.1.12.8 F8 Customer Ledger, Individual Details, Maturity Details………..1
2.1.12.9 F9 Instalment Calculation of Customers…………………………………1
2.1.12.10 F10 Loan Interest Calculation…………………………………………..…….1
2.1.12.11 F11 Deposit Scheme …………………………………………….………………..1
2.1.12.12 F12 Cheque Status Report………………………………………………………1
1. Business Overview and Scope
1.1. Overview of the Proposed Requirements
The Core Banking Solution (CBS) project aims to modernise our banking operations
for enhanced efficiency and customer service.
1.2. Scope
The project covers account management, transactions, customer relationship
management, and reporting, ensuring a unified banking experience.
1.3. Assumptions, Dependencies and Constraints
Assumptions: availability of necessary infrastructure and stakeholder cooperation.
Dependencies: integration with payment gateways and regulatory systems.
Constraints: budget limitations and adherence to regulatory requirements.
1.4. References
Banking industry standards
Regulatory guidelines
Internal documentation
This section provides a concise overview, outlining the project's goals, scope, key
considerations, and references for the Core Banking Solution.

2. Business Requirements

User roles and responsibilities:

Administration -Setting up and configuring software for the specific needs of your
organisation.

Operator - The roles and responsibilities of the operator include creating and
managing account entries, transactions, and account products on a daily basis.

Supervisor - The role and responsibilities of the supervisor are to create GL codes for
all the banking products, even posting and approving requests from the operator and
even the administrator.
CBS Relationship

● Actors
○ Client (Tenant, i.e TTMS)
○ Client_Users (TTMS employee)
■ Roles
● Admin (HC)
● Maker (operator/ creator)
● Checker (Supervisor)
● ….etc
○ Client_Customers
■ Roles
● Agent (Cadre/Agent)
● Customer
● Promoter/Directors
● Client_Products Types (Schemes)
○ Saving Account
○ FD
○ RD
○ MIS
○ Share Accounts

● Masters
○ Client_Branches

Relationship

○ The client will create Client_Users with role and access of pages on Keycloak

○ Client to Client_Users (One to many)

○ The client will create branches (one to many)

○ Client will assign Client_User to Client_Branches for operations as Checker

and Makers (Client_Branches to Client_User (One to One)).

Note: Later, clients can change Client_User to other branches and even change Client_User
roles from checker to maker.

○ Client_User to Client_Customer (Many to many)

 By default, when client_User creates a customer, the Client_User branch will
be assigned to Client_Customer automatically

○ Client_Customer to Client_Branches (One to One, i.e., Client_User)

Note: Client_Customer can change branches.

○ Client_Customer to Client_Products (one to many)

○ Client_Customer to client roles (one to Many) he can open multiple agent

accounts (Non Agent accounts)

○ Each agent account will be linked to one saving account. (Saving account to
Agent account relation (one to Many)) Once Client_Customer opens an agent
account, he will assign one existing or new saving account to it to collect
commission.

○ Each agent account will be allotted 10 shares; the default amount is 100 per
share (Agent to share one to one)

○ Each customer (savings account) will by default be allotted 1 share; the

default amount is 100 per share (savings account to share one to one)

○ Each Customer will be linked to one Agent Account (Customer to agent, One
to One)

○ Each Client_Products_OF_Customer will be linked to one Agent Account (One

to One)
 2.1. Feature Description
2.1.1. Dashboard
2.1.1.1. Dashboard
The dashboard section consists of a user list, Account Graph,
Business Graph, Deposits Graph, and Business Summary

User List : In the user list, we can fetch the details of the employees with respect to their
user ID, last login ID, and status.

Account Graph: In the account graph, we can fetch the details of RD, FD, DRD, MIS, and
many more. Even date wise, we can filter and get an update on the product.

Business Graph: In the business graph, we can get the details of how much revenue has
been generated for a particular product.
 Business Summary: In the business summary, we can get brief information about the
business of the company as well as the cash in hand.

2.1.2. Masters
 Masters is all about the creation of banking products and services.
Master data in banks refers to the core data elements shared across various systems
and applications within the bank. It represents the key data about customers,
accounts, products, and other entities that are fundamental to the bank’s operations
and decision-making processes. Master data is typically stored in centralised
repositories or databases and serves as a single source of truth for accurate and
consistent information.

2.1.2.1. Company Profile

A banking company profile includes key elements that provide a comprehensive
overview of the institution and its offerings. Here are some of these: Introduction
and Overview: A brief introduction to the bank, including its history, mission, vision,
core values, guiding principles, and strategic objectives.

Company Profile Fields:

Name Type Length Mandate(Y/N) Description with Examples

Company Name Alpha - 200 Words Y Example: Tirumalla Tirupati Multistate Co-Op.
Numeric Credit Society Limited.

Company Short Alpha - 200 Words Y TTMS

Name Numeric

About Alpha - 500 Words Y The primary objective of society is to uplift

Numeric the social and financial status of its members
by promoting/educating saving habits.
Savings products can be in the form of fixed
deposits, recurring deposits, monthly income
schemes, and some other investment plans.

CIN - Corporate Alpha 21 Digits Y Example: L17110MH1973PLC019786

Identification Numeric
Number

PAN Number Alpha 10 Digits Y Example: ABCTY1234D

Numeric

TAN Number Alpha 10 Digits Y Example: PDES03028F

Numeric

GST Number Alpha 15 Digits Y Example: 22AAAAA0000A1Z5, where 22 is the

Numeric state code, which is Chattisgarh, AAAAA0000A
is the PAN, or personal account number, 1 is
the entity number of the same PAN holder in
a state, Z is the default alphabet, and 5 is the
 checksum digit.

Company Alphabet 300 Words Y The major categories of financial institutions

Category are central banks, retail and commercial
banks, internet banks, credit unions, savings
and loan (S&L) associations, investment banks
and companies, brokerage firms, insurance
companies, and mortgage companies.

Classification Alphabet 300 Words Y Bank Classification in India

1. Commercial Bank: Public Sector,
Foreign,Private, RRB.
2. Small Finance Bank
3. Payments Bank
4. Co - Operative Bank : Urban Co - operative
and State Co - operative.

Authorized Alpha 20 Digits, Y It will be alphanumeric. It can go to Rs. 1000

Capital Numeric 20 Words crores as per the Company's Capital

Share Nominal Alpha 20 Digits, Y The nominal value of shares is the minimal
Value Numeric 20 Words price they can be sold for during the initial
issuance.

State Of Alphabet 200 Words Y It means in which state it was incorporated or

Registration founded.

Date Of Alpha 10 Digits Y Date of Incorporation means on which date

Incorporation Numeric and 10 the company was formed.
Words

Address Alpha 200 Words Y It is the place where the company is

Numeric functioning.

Email Address Alpha 200 Words Y Official email ID of the company.

Numeric

Phone Number Alpha - 12 Digits Y The first two digits of the number signify the
Numeric country code, and the last 10 digits are the
actual numbers.

Telephone Alpha - 12 Digits Y The first two digits of the number signify the
Number Numeric country code, and the last 10 digits are the
actual numbers.
Allocate New Yes or No 50 Words Y An allotment of shares is when a company
Share issues new shares in exchange for cash or
(Dropdown) otherwise. Such an allotment of new shares
increases the company's share capital. Private
companies can allot new shares only after
filing the Return of Allotment of Shares.

Authorized Picture Picture Y It is the signature of the Higher authorities of

Signature the respective company

BUTTON - SAVE

2.1.2.2. Branch Master

This is the creation section where the new branch setup is done. This section will also
display all the branches which were created. The use of branch master will be
throughout the system. The branches created here will be a dropdown in new
customer, new saving account, new product for the selection of opening of the
following in particular branches. It will also be present in account transfer to transfer
a customer to another branch.

Branch Information Field:

 Name Type Length Mandate(Y/N) Description

Branch Code Numeric 6 Digit Y The last six characters of any given
Numbers IFSC code are the branch code. Eg:
SBIN0005943

Branch Address Alpha - 300 Characters Y Example : TTMS Bank, Ground Floor,
Numeric Manekji Wadia Building, Nanik
Motwane Marg, District, Mumbai -
400001

Parent Office Y
Name
(Dropdown)

Branch Name Alphabet 300 Characters Y Example: TTMS, Powai Branch

Mobile Number Alpha - 12 Digits Y The first two digits of the number
Numeric signify the country code, and the last
10 digits are the actual numbers.

Alternative Alpha - 12 Digits Y The first two digits of the number

Mobile Number Numeric signify the country code, and the last
10 digits are the actual numbers.

Telephone Alpha - 12 Digits Y The first two digits of the number

Number Numeric signify the country code, and the last
10 digits are the actual numbers.

Manager Name Alphabet 100 Words Y Example: ANIL RAMRAO MANGALGIRE

Country Alphabet 100 Words Y Example: India

State Alphabet 100 Words Y Example: Maharashtra

City Alphabet 100 Words Y Example: Mumbai

Date Of Alpha - 100 Words Y Example: DD-MM-YY, Calendar format

Opening Numeric

BUTTON : Save
 2.1.2.3. Group Master:
The group master mainly deals with the creation of
groups.
The basic groups used by TTMS are as follows:-
● V1
● Aryans
● Dreamlife Achievers
● RDX
The groups created using group master will be available in the agent
section. The groups are to assign advisors into groups, every agent that is created
will be assigned to a specific group.
Note: While creating group master select group “AVP” search agent
and select from list. AVP will have access to generate reports on behalf of other
agents in that group and can share in pdf ,excel.

2.1.2.4. Share Master:

The Share master is the master which will deal
with creation of share, setting value for the shares and for
setting parameters of allocation of shares(For each
product a customer takes 1 share is allocated to the
customer. When a share is created a distinctive no. for
 the share shall be generated which is the unique identifier
for the share, this unique identifier will be linked to the
customers share account(folio number). It will also be
used in the share section for the purchasing and
refunding of shares. When shares are purchased they will
be created in the share master.

Fields:-

Name Type Length Description

Value of share numeric - To input their current value of

share

Share Values This section will be to allocate

shares for each product

Savings product numeric Only 1 share is allocated for each

saving product

FD numeric Only 1 share is allocated for each

FD product

RD Numeric Only 1 share is allocated for each

RD product

MIS Numeric Only 1 share is allocated for each

MIS product

2.1.2.5. Savings Account Master:

The saving account master is for the creation of
schemes under the saving accounts section. The
interest compounding needs to be set quarterly as
default. The locking period by default for every
saving product is 3 months i.e if there is no
transaction in that account for 3 months the
account will become inactive. The annual ROI
should be fixed as 4.5% default.
These Schemes are generally:-
● Regular savings account
● Current savings account
● Salary savings account
 When we open account master the first page to display would be a list of all
the schemes under savings with a button named “New” which will pop the page to
add a new scheme.

FIELDS:

Name Type Length Description

Scheme no. numeric The scheme number needs to

be auto generated for each
scheme which is created under
savings.

Scheme Name Alphabet The scheme name needs to

be input for the creation of
schemes.

Annual Rate of Interest Numeric% The annual rate of interest

would be a dropdown which
will have 4.5% as the only
option.

Interest Compounding dropdown The interest compounding

would be a dropdown which
will have quarterly as the only
option.

Passbook Printing dropdown The passbook printing charges

charges would be a dropdown which
will have default as the only
option.

GL code Alphanumeric This will be a text field to input

the GL code which the user
has to create before making a
product. This will help to link
the product to GL.
2.1.2.6. Scheme Master:
The Scheme Master mainly deals with the creation
of schemes under products like fd, rd, mis. This section is
where all the calculations of their schemes will be set.
They should also be able to edit these schemes later.
There will be a tab for gl so after they have created a
product they can go to gl tab and set up gl for the scheme
they created.The Gl will be created in the Gl master.
The products provided by the client are:-
● Fixed Deposit(FD)- A fixed deposit
(FD) is a financial instrument offered
by banks and financial institutions,
where an individual deposits a
specific amount of money for a
predetermined period at a fixed
interest rate. This investment option
provides capital preservation and a
guaranteed return upon maturity.
● Recurring Deposit(RD)- A recurring
deposit (RD) is a savings option
offered by banks, where individuals
deposit a fixed amount of money at
regular intervals, typically monthly,
for a predetermined period. The RD
tenure, instalment amount, and
interest rate are agreed upon at the
outset.
● Monthly Income Scheme- A Monthly
Income Scheme (MIS) is a financial
product offered by banks and post
offices, designed to provide a regular
monthly income to investors.
Investors deposit a lump sum
amount for a fixed term, and in return,
they receive a predetermined monthly
payout.
Name Type Length Description
Scheme for Lock in Period Checkbox
Kanyadan Thev Yojana checkbox
Default Marking required.
Deposit Scheme Number Numeric Automated generated
Scheme Type(Select) dropdown alphabet fd/rd/mis
Scheme Description textfield alphanumeric
Minimum Deposit Amount Numeric 0 to maximum number mandatory
Instalment Amount Numeric 0 to maximum number mandatory
dropdown and text
Scheme Period(Select) field Alphabet mandatory
dropdown and text
Scheme Lockin Period field alphabet
Instalment Grace Period textfield numeric
Scheme Late Fee GL 2 textfield Alphanumeric
Maturity Amount Alphabet and Numeric
dropdown and text
Instalment Period field numeric
Refund Instalment Amount textfield numeric
dropdown and text
From Refund Period field numeric
dropdown and text
Refund Instalment Schedule field numeric
Maturity Call on Interest Rate checkbox
Saving account required for
transfer checkbox
Multiplier textfield numeric
Scheme Interest rate textfield numeric% mandatory
Penalty Interest rate(Select) textfield numeric %
RD Penalty Calculation type dropdown alphabet
MAX No. of months for default Check Box
Posting Check Box This access is only for supervisor

Fields for the GL tab:

Name Type Length Description

none radiobutton If the product won't have any cash

transactions no gl linkage would be
required

cash radiobutton If the product is gonna have cash

transactions. Selecting this would
display the following Gl linkage fields.

2.1.2.7. Bank Account Master:

The Bank account master is basically to set and
manage the details of the account of the bank. This account is
used by banks to take payments from customers and also for
transferring money to other banks.
FIELDS:

Name Type Length Description

Account No. Numeric - MAX 18 Digits Mandatory
Bank name Alphabet Mandatory
Numeric - Max 15 Digits
Phone Number Mandatory
Address Alphabet and Number Mandatory
Open Amount Numeric Mandatory
Open date Date(Format:31/10/2023) Mandatory
State Alphabet Mandatory
District Alphabet Mandatory
Branch Code Alphabet and Number Mandatory

2.1.2.8. Role Master

The main function of rank master is for the creation of
ranks in agent. New agents will always start at level 1.
The Basic Ranks in TTMS are as follows:-
● Rank 1- Patron
● Rank 2- Associate Patron
● Rank 3- Associate Senior Patron
● Rank 4- Expert Patron
● Rank 5- Bronze Patron
● Rank 6- Senior Bronze Patron
● Rank 7- Silver Patron
● Rank 8- Senior Silver Patron
 ● Rank 9- Gold Patron
● Rank 10- Senior Gold Patron
● Rank 11- Platinum Patron
● Rank 12- Senior Platinum Patron
They should be able to add an infinite number of ranks. These ranks
are used in the agent panel and also the incentives depend upon the rank. In TTMS the
condition for ranking up is that an advisor needs to complete the collection task and also that
the advisor under him needs to rank up as well.

2.1.2.9. Incentive Master:

The incentive master’s main function is to set parameters
for the incentives which are received by the agents.The incentive
parameters are set according to the ranks of the agents which
are created through the rank master.

The incentive in TTMS is divided into two parts:-

● commissions-The commissions make up of 40% of
the incentives and is deposited into the small savings
account of the agent(Each agent must have a small
savings account which is created when he becomes a
agent)
● Reimbursements (Saving Account)- Reimbursement
makes up the rest of the 60% of the incentives and is
deposited into a savings account of the agent of his
choice.This account will also get their monthly and annual
bonus.

2.1.2.10. Occupation Master

The main role of occupation master is to set
occupations(professions). These occupations will be used as
dropdowns in forms to set the occupations of the customers.

Fields:

Name Type Length Description

Occupation(Button)

Add New Occupation

This will use somewhere in

dropdown, so we can
select occupation from one
Occupation Name of these. Alphabets
Action()

Button Save

2.1.2.11. Relation Master

The role of relation master is to set relations(i.e mother,
father, etc.). These relations will be used as dropdowns in
forms to set relations of the customer when adding nominees.

Fields:

Name Type Length Descriptions

Relation (Button)
Add New Relation
This will be used somewhere
in the dropdown like while
filling nominee details, relation
Relation Name will ask etc. Alphabets
Delete
Add New Relation

Button Save

2.1.2.12. Charts of Accounts(GL Master):

The Charts of accounts or GL master is an
integral part of the system, this is the section where the
creation of gl codes takes place. There are multiple uses of gl,
all transactions that take place in a bank are recorded in the gl.
GL will be used in the creation of saving and scheme products
for their mapping.
The general ledger usually has 5 categories:
● Asset
● Liabilities
● Equity
● Income
● Expense
2.1.3. Member

Member is the section that will deal with creating and managing customers/borrowers.

The Member section will consist of :-

1. All Customers with search
2. Add new Customer
3. Cibil Score Check
4. Customer synopsis
5. Customer joining report
6. Customer Transfer

2.1.3.1. All Customers

This is a section in the member that will display a list of all customers. It will also
consist of a search bar that will allow the user to search in the list. The search bar needs to be
alphanumeric so that the user can search for customers using their ID as well as their name. The list
needs to be in tabular format; the fields required in the table are given in the image for reference.

about

*Do not add the Add borrower button in this section.

2.1.3.2. Add Customers

This section is where the new customer creation will take place. The user will need to
input the necessary details about the customer. Once the customer is created a unique
customer id would be created. When a customer is created a share account for the customer
will be created with a folio number which will be an unique identifier for the share account
which will be linked to the customer id of the customer of the created.
Name Type Length Description

Refresh Button To refresh the page,

Back Button To go back

Branch Dropdown To select a specific branch (branch

names with codes will be fetched from
the branch master),

Joining Date Numeric Format(21/12/2023)

Customer Name Alphabet To write name of the customer

Form No. Numeric

Guardian Name Alphabet Name of the guardian

pincode numeric 10-Digit

Address Alphanumeric
State Alphabet

District Alphabet

Profile Image Choose file(button) To select and upload the image of

the customer

Signature Choose file(button) To select and upload the image of

the customer signature

Biometrics Scan Finger Should open the biometrics area

Date of Birth Numeric Format(21/12/2023)

Email-ID Alphanumeric

Nominee name Alphabet

Nominee Age Numeric

Nominee erahome To select their relationship with the

Relation(dropdown) customer (it will fetch relations from
relation master),

Gender(dropdown) Male/Female/Other

occupation(dropdow 100 Words To select occupation of the nominee

n) (occupations will be fetched from
occupation master),

Education(dropdown) To select the highest education

Membership fees

Remarks Alphanumeric

Account No. Numeric

IFSC Alphanumeric

Bank Name Alphabet

Branch Name Alphabet

Aadhar No. Numeric

PAN No. Alphanumeric 10-DIGITS

ID proof(dropdown) To select the type of id proof the

 customer is submitting

ID proof No. Alphanumeric To type the Id proof no. submitted by

the customer eg aadhar no.

Address To select the type of address proof

proof(dropdown) the customer is submitting

Address proof No. Alphanumeric

Introducer Member Numeric

code

Introducer Name Alphabet

Payment To select the mode of

Mode(dropdown) payment(cash/cheque/NEFT/IMPS/U
PI)

Confirm and submit Button

2.1.3.3. CIBIL Score Check

This is the section where we can check the CIBIL score of the customer. The user
needs to input the required information to check the customer's CIBIL Score.The CIBIL is fetched from
the bureau we integrate with.
Field Type Length Description

Com code numeric Customer code(unsure)

Wallet balance numeric

CIBIL charges numeric

Name Alphabet

Address Alphanumeric

State Dropdown

Pincode Numeric

City Alphabet

Phone No. Numeric 16-Digit

Id Proof dropdown Type of id proof

selection(Aadhar, PAN)

Date of Birth Numeric Format(22/12/2023)

2.1.3.4. Customer Synopsis

This could be different section or could be accessed through all members page
through a button. This will display details or synopsis of the customer .
2.1.3.5. Customer Joining Report
This could be different section or could be accessed through all members page
through a button. This will display details or synopsis of the customer .
 2.1.4. Shares
This section is where the shares will be handled and it will be used to perform
functions like buying, refunding, registration of shares.
The Shares section will consist of:-
● Customer Share purchase
● Customer Share Refund
● Customer Share Registration
● Distinctive No. Generation- Distinctive Number is to differentiate the
particular serial Number of shares, say the company issued 5 lac
shares; total 5 lac shares will be serially numbered. If you buy the 100
shares your distinctive number shows from which number to which
serial you bought.

2.1.4.1. Customer share purchase

This Section deals with the purchasing of shares each member can buy shares.
The customer share purchase assigns these shares to the customers.

Name Type Length Description

Customer Id(search
box) Alphanumeric
Application Serial
Number
Application Date Date(Format:31/10/2023)
Personal Information
Name Alphabets
Individual, Non
Category(Dropdown) Individual
Address Alphanumeric
Taluka Alphabets
City Alphabets
Mobile Number Numeric 15 digits maximum value
Occupation Alphanumeric
PAN Number Alphanumeric 10 Digit Number
Date Of Birth Date(Format:31/10/2023)
Age Numeric
Branch Name/Code Alphanumeric
Savings Account details Checkbox
Branch GL Alphanumeric
Account Type Alphanumeric
Account Number Alphanumeric
Customer Name Alphabets
Remark Alphanumeric
Special Instruction Alphanumeric
Share Information
Total No Of Share Numeric
Total Share Amount Numeric
Allot From(Dropdown)
Under Director
(Dropdown)
Share Balance Numeric
Share Amount Numeric
No Of Share Numeric
Date of Entry Date(Format:31/10/2023)
Pay Mode(Dropdown)

2.1.4.2. Customer Share Refund

This Section in Shares will handle refunds of the shares. The owner of
the shares can refund any amount of shares they want to.

Name Type Length Description

Customer Id Alphanumeric
Customer Information
Application Number Alphanumeric
Application Name Alphabets
15 digits maximum value
Mobile Number Numeric - Numeric
Branch Name/ Code Alphanumeric
Date of Joining Numeric Date(Format:31/10/2023)

Share Information
Total No Of Share Numeric
Inst No Numeric
Total Share amount Numeric
Share Amount Numeric
No Of Share Numeric
Pay Date Numeric Date(Format:31/10/2023)
PayMode dropdown
Button Confirm And Pay

2.1.4.3. Customer Share register

 This section will contain all the details of the shares which are owned by
customers. It will consist of a search area to search for customer shares.

Name Type Length Description

Branch(dropdown) Alphanumeric Branch Name with code

From Date Numeric Format(26/12/2023)

To Date Numeric Format(26/12/2023)

Search Button

2.1.4.4. Distinctive No. Generation( Use Unknown)

Distinctive Number is to differentiate the particular serial
Number of shares, say the company issued 5 lac shares; total 5 lac shares will be
serially numbered. If you buy the 100 shares your distinctive number shows from
which number to which serial you bought.

Name Type Length Description

Branch Dropdown
From Date Numeric Date(Format:31/10/2023)
To Date Numeric Date(Format:31/10/2023)
Button show Generate Update

2.1.5. Agent
This section deals with the management and creation of Agents.Agents
Are.
The Agents Section will consist of :-

● New Agent
● Agent Downline
● Agent Block/UnBlock
● Agent Id Card Print
● Agent Collection status

2.1.5.1. New Agent

This Section in Agent displays all Agents and has a button to add a new Agent
which will pop up the new Agent form.

Name Type Length Description

All Agent Page
Dropdown select no. of entries Number
Table show Agent Details AlphaNumeric
New Agent Button Alphabet
Button Search Refresh Back
Searchbox Alphanumeric
Personal Information
Branch(dropdown) Dropdown Menu Alphanumeric
Branch
Code(DropDown) Dropdown Menu Numeric
GL Code Alphanumeric
Joining Date Numeric
Account No Numeric
Agent No Alphanumeric
Agent Name Alphabet
Form No Numeric
Date Of Birth Numeric
Age Numeric
Address Alphanumeric
State dropdown Menu
District dropdown Menu
City dropdown Menu
Pin Code numeric
Mobile Number numeric
PAN Number Alphanumeric
Aadhar Number numeric
Gender radiobutton
Agent Rank(dropdown) Dropdown Menu Alphanumeric
Bank Name alphanumeric
Account No numeric
Account Info alphanumeric
Profile Image upload button
Signature upload button
Rank
Introducer Details
AgentID alphanumeric
Name alphabet
Payment Details
Reg Amt.(dropdown) dropdown menu numeric mandatory
Remarks textfield alphanumeric
Buttons Confirm and Submit

2.1.5.2. Agent Downline

This is a section in Agents which will display the downline tree when you
input details of the Agent you want downline tree for.

Name Type Length Description

Agent Code Alphanumeric
Agent Name Alphabet
Position numeric
Button Show

2.1.5.3. Agent Block/Unblock

This section in Agent handles the blocking and unblocking of Agents.

Name Type Length Description

 Branch(dropdown) dropdown menu alphabet
From Date numeric
To Date numeric
Button Show
Table show Agent detail
Button Search:
Searchbox alphanumeric
Button Unblock/Block
Entries DropDown menu dropdown menu numeric

2.1.5.4. Agent ID print

This section in Agent is to print the ID Cards of the Agents.

Name Type Length Description

Branch(dropdown) dropdown menu alphabet
From Date numeric
To Date numeric
SearchBox alphanumeric
Button Search
Button Print
2.1.6. Deposit
This Section mainly handles all the deposits in the CBS.
The Deposit section consists of :-
● New Deposit
● Renewal
● Daily Renewal
● Accrued Interest for policy
● Interest Ledger
● Deposit Passbook

2.1.6.1. New Deposit

This section in deposits deals with adding of new deposits. When we enter
this page we first see a list of all deposits with a button on top to add a new deposit
which will redirect us to the page where we add a new deposit.
Name Type Length Description
Button New Deposit
Deposit List
Deposit From numeric
Deposit to numeric
Search Button button
Entry Dropdown dropdown menu
Search box alphanumeric
Table
Search Block 1
Policy No. alphanumeric
Policy Date numeric
Branch Dropdown alphanumeric
Buttons Refresh Back
Member Details Block 2
Select Member Dropdown alphanumeric
Member Code alphanumeric
Name Alphabet
Father Name alphabet
Address alphanumeric
City alphabet
Pin code numeric
Mobile Number numeric
D.O.B. numeric
Age numeric

Policy Details
Maturity Date numeric
MR No. numeric
Date of Entry numeric
Plan Details
Plan Code Dropdown alphabet
Table Dropdown alphanumeric
Mode Dropdown alphanumeric
MIS Dropdown
Payment Details
Amount numeric
Deposit Amount Numeric
Term numeric
Maturity Amount numeric
REG. amount numeric
Bonus Amount numeric
MIS Return numeric
Payment Details
Payment Type Dropdown alphabet
Cheque numeric
Cheque Date numeric
Bank alphabet
Ac No. Dropdown numeric
SB Ac No. Dropdown numeric
Balance numeric
Employee Details
Employee Code numeric
Name alphabet
Remarks alphanumeric
Button Clear Save

2.1.6.2. Deposit Renewal

This section in deposits mainly deals with the renewal of deposits.
Name Type Length Description
Policy No alphanumeric Mandatory
Button Search
Applicant Display after Search
Scheme Display after Search

Due Date Display after Search

Mode Display after Search

Agent Display after Search

Due Deposit Display after Search

Policy Date Display after Search

Amount Display after Search

Term Display after Search

M. Date Display after Search

T. Deposit Display after Search

M. Amt Display after Search

Inst no. numeric

To numeric
Branch Dropdown alphanumeric
Renew Date numeric
Pay Mode Dropdown alphabet
Button Save

2.1.6.3. Daily Renewal

 This section in deposits mainly deals with the daily renewals of deposits.

Name Type Length Description

Policy no. searchbox alphanumeric
button search
Applicant Display after search
Scheme Display after search

Due Date Display after search

Mode Display after search

Agent Display after search

Due Deposit Display after search

Policy Date Display after search

Amount Display after search

Term Display after search

M. Date Display after search

T. Deposit Display after search

M. Amt Display after search

Inst no. Display after search

Paid Amount numeric

Inst no. numeric
To numeric
Button Generate
Branch Dropdown alphanumeric
Renew Date numeric
Pay Mode Dropdown
Button Save
 2.1.6.4. Interest Ledger( Use unkown)
This section in deposit is used to check the interest ledger of certain policies.

Name Type Length Description

Policy No numeric
Button Search

2.1.6.5. Deposit Passbook

This section in deposit handles all the passbook deposit entries.

Name Type Length Description

Policy No dropdown alphanumeric
Button Print Cover Print Book Page Header
 Display After Choosing
Applicant Name policy
Member Code Display After Choosing policy

Plan Code Display After Choosing policy

Mode Display After Choosing policy

Branch Display After Choosing policy

Amount Display After Choosing policy

Deposit Passbook list table in image

Button Reprint
2.1.7. Savings Account
This section handles all the work related to saving accounts like opening
accounts, managing transactions etc.
The Saving Account section consists of :-
● Account Opening
● Account Transactions
● Fund Transfer
● Wallet Passbook

2.1.7.1. Account Opening Entry

When we first open the account opening entry page it will display a list of all
the accounts with a button on top to create a new account which will redirect us to the add
new account page.
Name Type Length Description
Branch(Dropdown)
From Date Date(Format:31/10/2023)
To Date Date(Format:31/10/2023)
Buttons Search

Account Details
Customer(Dropdown)
GL Code Alphanumeric
Branch Alphanumeric
Date Date(Format:31/10/2023)
Savings Account
Account Type(Dropdown) Premium and many other
Category/ Customer Individual, Non Individual,
Type(Dropdown) NRI
Minimum Balance Number
Interest Rate Number
Applicant Details
Customer id Alphanumeric
Form Number Number
Applicant Name Alphabets
10 Digit Alpha Numeric
PAN Number Number
Aadhar Number 12 Digit Number
Form Number Number
Nominee Alphabets
Gurdian Name Alphabets
Date Of Birth Date(Format:31/10/2023)
Address Alphanumeric
Pin Code 6 digit Number
State Alphabets
Disctrict Alphabets
City Alphabets
15 digits maximum value
Mobile Number - Numeric
Profile Photo Browsing File -->Image
Signature Browsing File -->Image
Personal Details(Joint
Account Holder 1)
Applicant Name Alphabets
Gurdian Name Alphabets
10 Digit Alpha Numeric
PAN Number Number
Aadhar Number 12 Digit Number
Date Of Birth Date(Format:31/10/2023)
Address Alphanumeric
State Alphabets
Disctrict Alphabets
City Alphabets
Pin Code 6 digit Number
15 digits maximum value
Mobile Number - Numeric
Joint Account Holder Image Browsing File -->Image
Joint Account Holder
Signature Browsing File -->Image
Introduced By
Account Type alphabet
Account Number Alphabet and Number
Agent Name Alphabets
Agent Id Alphanumeric

Guarantor Details
Guarantor Name Alphabets
Guarantor Account Number Alphabet and Number
Guarantor Address Alphabet and Number
15 digits maximum value
Guarantor Contact Number - Numeric

2.1.7.2. Account Transactions

This section in saving accounts deals with all the transactions related to the
saving accounts.
Name Type Length Description
Account Holder Search Box
Account No Alphabet and Number
Member Code Alphabet and Number
Account Type Alphabet and Number
10 Digit Alpha Numeric
PAN Number
Branch Alphabet and Number
15 digits maximum
Phone No value - Numeric
City Alphabets
State Alphabets
Holder Type Alphabets
Profile Browsing File -->Image
Signature Browsing File -->Image

Transaction Type
Deposit,
Withdrawl(Toggle case) radio buttons
Search Box Alphanumeric
Branch(Dropdown)
Date(Format:31/10/202
Payment Date 3)
Date(Format:31/10/202
Pay To 3)
Amount Numeric
 Text.Alphanumeric(Don
Remarks 't know exact limit)
Pay Mode(Cheque,
UPI,NEFT,RTGS,Cash)

Transfer
Branch Alphanumeric
Date(Format:31/10/202
Payment Date 3)
Date(Format:31/10/202
Pay To 3)
Amount Numeric
Text.Alphanumeric(Don
Remarks 't know exact limit)
Pay Mode(Cheque,
UPI,NEFT,RTGS,Cash)

Receiver Details
Name Alphabets
Branch Name Alphanumeric
Account No Alphanumeric
IFSC No 11 digit Alphanumeric
Beneficiary Alphabets

2.1.7.3. Passbook Printing

This Section in Saving Accounts Deals with the printing of the passbooks for
the accounts.
Name Type Length Description
Account No(Dropdown) mandatory
Buttons Print Cover Print Book Page Header
Actions(Checkbox)

2.1.8. Print Section

This section is basically to handle all the printing needs.
The Print Section consists of :-
● Certificates
● Share Certificate

2.1.8.1. Certificate
This section in print deals with the printing of certificates
Name Type Length Description
Search
Type(Togglecase)Policy
no,Branch Wise
If selected Policy no
Plan(Dropdown) Dropdown menu Alphanumeric
Policy No.(Dropdown) dropdown menu Alphanumeric
From date textfield numeric
To date textfield numeric
Button Search
Button RePrint Close Print

If selected Branch
Wise
Plan(Dropdown) Dropdown menu alphanumeric
Branch(Dropdown) Dropdown menu Alphabet
From date numeric
To date numeric
Button Search
Button RePrint Close Print

2.1.8.2. Share Certificate

This section in print is to basically share certificates.
Name Type Length Description
Member(Dropdown) dropdown menu alphabet
Folio(Dropdown) dropdown menu alphanumeric
Button Show

2.1.9. Maturity
This Section mainly deals with all the maturity aspects.
The maturity section consists of :-
● Pre Maturity Settings
● Maturity Requisition
● Maturity Approval
● Maturity Payment
● Maturity Projection
● Maturity Budget Report
● Maturity Status Report
● Maturity Payment Report

2.1.9.1. Pre Maturity Settings

The Pre maturity setting is to give limitations and conditions to the maturity.
Name Type Length Description
Plan Code Dropdown alphabet
Plan table Dropdown alphanumeric
From numeric
ROI numeric
Penalty numeric
Button Save
Entries Dropdown dropdown menu numeric
Search box alphanumeric
Button search
Table Table alphanumeric
Edit button In Action alphabet
 2.1.9.2. Maturity Requisition
This section mainly deals with the requisition of maturity. When we go to
maturity requisition it should display a list of all requisitions with a button to add a new
requisition on top which should redirect to new requisition page.

Name Type Length Description

Button Add Requisition
Branch Dropdown alphanumeric
From date numeric
To date numeric
Button Search
Entries Dropdown Dropdown numeric
Search alphanumeric

Maturity Requistion
Policy No Alphanumeric
Button Search
Remarks alphanumeric
Button Send Requisition

2.1.9.3. Maturity Approval

This section in maturity mainly deals with the handling of approvals of
maturity.
Name Type Length Description
Policy no alphanumeric
Button Search
Applicant Name displayed after search
Guardian displayed after search
Mobile Number displayed after search
PTable displayed after search
Policy Amt. displayed after search
Policy Date displayed after search
Term displayed after search
Maturity Amt. displayed after search
Maturity Date. displayed after search
Inst. Paid numeric
Ratio numeric
Late Fine numeric
Penalty(%) numeric %
Total Deposit numeric
Branch alphabet
Status alphabet
Approve Dropdown alphanumeric
Bonus numeric
Accidental numeric
Latefine Adj. numeric
Calculated numeric
Accidental numeric
Bonus numeric
Latefine Adj. numeric
Penalty numeric
NetPay numeric
Authorised On numeric
Auth.Mat.Date numeric
Payment Mode Dropdown alphabet
Cheque No numeric
Bank Name Alphabet
Remarks alphanumeric

2.1.9.4. Maturity Payment

This section in maturity deals with all the payments related to maturity.

Name Type Length Description

Policy No textfield alphanumeric
Button Search
Applicant Name Displayed after search

Policy Date Displayed after search

Maturity Date Displayed after search

Payment Summary First Block

Redeem numeric
Accidental numeric
Gross Amt. numeric
 Net Payable numeric
System Pay numeric
Bonus numeric
Late Fine numeric
Previous Payment Second Block
Previous Amt numeric
Previous Date numeric
Instalment No. numeric
Branch alphabet
Third Block
Net Pay Amt. numeric
Collected By alphanumeric
Remarks alphanumeric
Paid By alphabet
Pay Date numeric
Phone no. numeric
Payment Remarks alphanumeric
PayMode dropdownmenu alphabet
wallet

2.1.9.5. Maturity Projection

This Section in maturity shows all the maturity projection reports.

Name Type Length Description

Branch Dropdown alphanumeric
Plan Dropdown alphabet
Fromdate numeric
Todate numeric
Button Search

2.1.9.6. Maturity Budget Report

This section handles all the maturity budget reports.

Name Type Length Description

Branch Dropdown alphanumeric
Fromdate numeric
Todate numeric
Button Search

2.1.9.7. Maturity Status Report

This section handles all the maturity status reports.
Name Type Length Description
Branch Dropdown alphanumeric
Fromdate numeric
Todate numeric
Button Search

2.1.9.8. Maturity Payment Reports

This section handles all the maturity payment reports.

Name Type Length Description

Branch Dropdown alphanumeric
Fromdate numeric
Todate numeric
Button Search

2.1.11 Short - Cut Keys

Keys UseCase Description

F1 Customer Dashboard and Product F1 key is linked with Customer Synopsis which
Information comes under Member(Customer)module.

F2 KYC Upload F2 key is linked with KYC for documentation

upload which comes under KYC Module.

F3 No Use

F4 Daily position of funds

F5 No Use

F6 Mobile - Agent Collection Data

F7 No Use

F8 Customer Ledger, Individual

Details, Maturity Details

F9 Instalment Calculation of
Customers

F10 Loan Interest Calculation

F11 Deposit Scheme

F12 Cheque Status Report