Loan Default Tracking Capabilities Matrix

May 2019
Our Understanding of Requirements
• Banks need to consolidate the recovering related information as
• List of the companies that are defaulters and for each company
– The amount of loan to be recovered
– Details of the asset of the company / group company under custody
– Their records availability and consolidation at HO from branch / company
– Valuation reports of these assets as on date from reports
• Report from the bank statement and the routine visit reports of bank
executives
• Report provided by the external valuation of the asset
• Information related to the company and asset that should be on record.
– Performance based action taken based on the bank executive visit reports

*Logos are the property and trademark of the respective owners

Information Collection Storage & Retrieval

• Bank database for loan account disbursement and payment record

• Loan Application, asset details and sanction documents
• Asset related papers, data and installation locations
• All visit report of the bank executive specially the last one.
• All the collected data will be stored in access controlled repository
with documents and their related index values tagged with data
• Action items for recovery to be concluded within CorpConnect with
tracking till recovery with customised well defined process flow with
online submission of reports accessible to defined set of executives

*Logos are the property and trademark of the respective owners

MIS Reporting Monitoring & Tracking

• Each MIS reports that will be access controlled for each

• Reports grouping and filtering based on State, Company, amount, date,
absolute and % recovery status as Lists and graphics.
• We will have provision to set the loan recovery possibility status for all cases
• Access controlled pending meeting and action tracking report
• Provision to drill down more detailed information of line item
• We will have provision to view related stored document from the reports
• The reports based on the recovery process stage to Decision Support System
to arrive at priority list for follow up.

*Logos are the property and trademark of the respective owners

Advantages
High Impact Performance

❖ Integrated Solution
❖ Single Window tracking & monitoring
❖ Inbuilt Repository of all relevant documents at single location
❖ Real time data extraction from Bank CBS/ EAS
Organization Capability Matrix
About Immaculate IT Services

❖Immaculate is a Software Development and IT Consulting company.

❖We have 100+ man years experience amongst the Management Team.
❖We are headquartered in Mumbai, India with representative presence in New Delhi, Johannesburg, London &
Texas, USA.
❖We have been providing Digital Empowerment Services since 2006.
❖ Around 90% of our revenues have been generated by customized projects in the past. Now the complete focus
has been on Digital Empowerment enabling Products.
❖ Complete thrust on Corporate Enabling solutions across Industry verticals
Our Positioning
Client Focus
❖ Large enough to execute medium to big projects; small enough to be agile.
❖ Simple organization with strong commitment to customer ser vice
❖ Solid understanding of business processes, trends and best practices in the industr y
instruments
High Performance Team
❖ Industry Standard talent skillsets
❖ High technical and motivated team
❖ Best Project management and deliverance
❖ standards
Fully focused and hands on Management team
Ou Tea
r m

Vinay Kabra Gurvinder S Kohli Vitesh Chheda

Director & C E O Director & C D I O Director & C T O
Alumnus of IIT Bombay with experience of Alumnus of Mumbai University & NIST
Alumnus of BITS Pilani & Xavier Institute of
39 years in designing and development of with more than 22 years experience in
Management Bhubaneshwar with 26+ years
cutting edge solutions. He had been Web Technologies & Mobility. Being a
experience in IT Industry. He has extensive
involved with launch of MICR & CTS in hands on person he believes in leading
experience in Business Development &
India. He is active with IIT Bombay and from front. He has closely been
Product Management. He is a part of
currently advices corporates on IT affairs. associated with several Digital Initiatives
Industry associations like CAI, CIO Klub,
CMO Society and IET
About Immaculate IT Services

❖Immaculate is a Software Development and IT Consulting company.

❖We have 100+ man years experience amongst the Management Team.
❖We are headquartered in Mumbai, India with representative presence in New Delhi, Johannesburg, London &
Texas, USA.
❖We have been providing Digital Transformation Services since 2006.
❖ Around 90% of our revenues have been generated by customized projects in the past. Now the complete focus
has been on Digital Transformation enabling Products.
❖ Complete thrust on Corporate Enabling solutions across Industry verticals
About Immaculate IT Services

❖Immaculate is a Software Development and IT Consulting company.

❖We have 100+ man years experience amongst the Management Team.
❖We are headquartered in Mumbai, India with representative presence in New Delhi, Johannesburg, London &
Texas, USA.
❖We have been providing Digital Transformation Services since 2006.
❖ Around 90% of our revenues have been generated by customized projects in the past. Now the complete focus
has been on Digital Transformation enabling Products.
❖ Complete thrust on Corporate Enabling solutions across Industry verticals
Corporate Overview

▪ Industry Specific
Products
▪ Cross Industry ▪ Banking
Year of Products ▪ Retail ▪ India
▪ Technology ▪ Agri Business ▪ South Africa
Incorporation 50+ Employees
Services ▪ Financial Services ▪ USA
▪ Consulting (Including Contract) ▪ Digital Marketing
Services

2006 Portfolio Team Verticals Footprint

 iITS Portfolio

Industry Specific Products Cross Industry Products Services Consulting Services

We offer a range of Explore our cross Utilize our knowledge Allow us to take
products developed industry products. of having delivered care of all your
specifically for the These are out-of-the- successful projects to IT & Business
Banking, Retail, box products that
Healthcare & need minimum
overcome your Advisory
Financial services customization. business challenges. requirements.
industry.
 • Usability Consulting
• Development and maintenance of • Heuristic Analysis
Java or .NET based projects
• User Interface Design
• Fixed Price/ Fixed Scope projects
or Softwar UX • Prototype Construction
Time & Materials engagements e Design
• Developme
• Staff augmentation nt
Off-shore development
QA & Consultin
• Test case definition and execution
Testing g • Definition of technological strategies
• Test automation • Digital Transformation)
• QA Services and Consulting • Functional specification of software
• Scrum Developer Training solutions
• Definition of technological
architectures

Majority Customers have indicated having achieved satisfaction on using Immaculate IT Services Products & Services
Our methodology
Over the time we have developed two methodological approaches for developing applications:

Our “traditional” model, mainly based on RUP and CMMI practices, is generally used
Two different flavors, in turnkey, fixed priced contracts. An iterative/incremental lifecycle model is used.
depending
The other approach is mostly based in Agile Methods, in particular Scrum and
on the project Extreme Programming, and is used in “team based” engagements. An
characteristics iterative/
incremental lifecycle is also used in these projects.

We believe that our quality and productivity improvements will allow us to provide
a better service to our clients and improve our profitability at the same time.

We are improving our positioning in markets that appraise the efforts

Why are invested
methodologies
in process improvement) and because we are convinced that this will become
so important to us?
even more relevant in our domain.
We aspire to be the most customer centric software development company in
the
region
 Two different approaches depending on the project and the
client

AGILE METHODOLOGY Main Practices “TRADITIONAL” APPROACH

Based on Scrum and XP Based on RUP, CMMI

Iterative and incremental lifecycle
Iterative and incremental lifecycle

User Stories Acceptance Criteria Use cases

Requirements management
Test cases based on acceptance criteria Testing Test cases based on use cases

Agile estimation
Effort estimation Estimation by points

Burndown charts Metrics Scorecards

Sprint Planning Meeting - Sprint backlog Planning Project plan /

schedule
Daily stand-up
Project tracking Status
meetings
Sprint review meeting
User acceptance UAT - User Acceptance
Test
Post mortem
Sprint retrospective meeting
Process feedback meetings
 Industry Specific Products
Are you in the financial services industry? Looking for customized
solutions? DOMAINS
Explore our range of products for the Banking & Financial Services industry.
Banking
ChekImagePay STRAWS Legion
Cheque
Truncation
System for
Payment Transfer Insurance Form Inter
Settlement Agent Ops Processing bank
Settlement

Insurance

Proposal Form
Processing

Share Broker

Enterprise Share
Transfer Agent
Workflow
 Industry Specific Products
Need to connect to large teams? Looking for paperless office?
Explore our range of products for the Enterprise Corporate DOMAINS
Solutions
Corporate
Corp Accountability
Dossier AssetTrak
Connect
Team Solution
Document
Management

MeetPlace Document Assett &

Accountability Management Inventory

Tracking

AssetTrak
Manage InnovateAgri InnovateAgri
Pathshala
School Ops

Agri ManagePathshal
Product aEnterprise
School Care
Solution Self Service Portal School
Management
6
Product Overview
ChekImagePay – Cheque STRAWS- Workflow For Transfer
Truncation Agent
Highly scalable platform for bulk Cheque Dashboard based Workflow Solution for Share
Processing transactions both at Central & Transfer Agent .
Remote Locations of Bank Clearing House

Legion – Insurance Form Processing CorpConnect – MeetPlace

Accountability
Sscalable platform for Board Room
Centralized Insurance Proposal Form
processing solution with inbuilt document Meeting automation with Individual
routing intelligence to accelerate policy Dashboard for all participants and
approval and policy issuance accessible on any remote device.

ManagePathshala– School Management Solution

Dossier – Document Management Solution
Centralized Complete Workflow solution
Centralized Workflow Solution to automate for the Schools to automate Student
storage, manage and track electronic document Management. Fees Management & all other
with user based privileges for enhanced day to day functions including teacher
security and auditrail based repository of class functions.
 Services Portfolio

Implementation Tuning

Engagement Models

Immaculate Quality
Development Services Shared Services
Assuran
Portfolio
ce
Output Based

Projects

Consulting Support Managed Services

Professional Services

8
 Development &
Integration

Immaculate IT Services can help you seamlessly integrate disparate Core

Business
Applications through its Integration framework and
expertise.

Enterprise Architecture Business Process SOA & EAI Mobility Solutions

Consulting Management

Enterprise Content Portal Solutions App Development &

Management Maintenance
 Systems Software Management

Immaculate IT Services can help optimize and improve the performance of your
Applications,
Databases and Middleware.

Application Support Middleware Management Database Services Operating Systems

Desk Services & Tools

10
Software Consulting

System
Study
01
02
Define
Process
es
03
Integration &
Deployment

Application Optimization

Centralized Deployment
Productivity
Enhancement
Advantage Immaculate IT Services

1 3 5 7
Value on
Technical Experience Partnership
Investment
Expertise Having been in Model
Leverage your IT
Achieve higher this business investments Over the years, we
efficiency levels for more than a better. Reduce have built long-
through our decade, we and control your term strategic
range of understand our operating costs relationships with
products, customers and by engaging our marquee
solutions and their business with us. customers.
services.

Right Size Excellent Service Speed Alliances

At 50+ we have Our SLAs are We adapt to Strong ecosystem
the right scale to aligned to your change very created by long-
execute large business fast. We are term strategic
projects while objectives, so better equipped alliances that
giving executive we can help you to help you cater have helped us
attention to our achieve your to the dynamic create proven
engagements. goals. market technology
2 6 requirements. solutions. 8
4

12
Development Specialties

*Logos are the property and trademark of the respective owners

Our support teams

In addition to the dedicated project teams, there are other groups taking care of process improvement & quality
assurance:

Architecture Team QA SEPG

At Immaculate Process Quality Assurance Software Engineering Process Group

• Provides advisement and solutions to • Responsible for ensuring that the • Organization's focal point for software
project managers on issues of organization is following the defined process improvement activities
architecture, design, technologies and processes
frameworks; enhancing services quality • Receives proposals from the whole
and engineers teams productivity. It is • Involvement in each project during their organization
our “elite” team. lifecycle: tailoring, audits, monthly
• Discusses changes to processes and
meetings, audits evaluates new tools
• Works as our R&D department,
researching new technologies and • Monitors QA issues
• Launch process improvement
frameworks. • Trains new people in methodology initiatives, and is responsible for
• Participates in the community • Provides Scrum training outside the leading and implementing each of
(conferences, seminars, workshops) company these efforts
• Key player in QA assessments,
certification processes
Our Proposed infrastructure

Main services
• Internet connection (primary and secondary) and Firewall with IDS
• Network / Director y Ser vice State of the art Development
• Inventor y Management Center in Thane Maharashtra
• Corporate Antivirus protection Over 5000 sq. ft. of office space
• equipped with all the technology
Backup policies
and services required for our work
• Version Management
• Physical security
• UPS
• Temperature & Humidity
• control Fire detection system
• Contingency plan in the cloud
Value proposition for our people

The Company
• We believe that Immaculate is a great place to learn and grow professionally.
• Work with new technologies.
• Best practices in software
• development.
• Work for big and important clients
• Environment that facilitates learning and collaboration.
• Continuously looking for improving our processes and all the employees are part of this challenge.
We are “HR oriented”, and we work heartily on the HR processes (mentoring, coaching, career development, evaluations ,
benefit
•
programs, etc.). We consider personal interests.
•
We want to establish a long-term relationship with our people.
Employee Stock Option Plan
Proposed Value proposition for our people
Our facilities

• The infrastructure and the modern design of our development centers to allow
for fluid communication and team building.
• Our offices are to be strategically located in quiet neighborhoods.

Our culture

• We believe that excellence and quality is not divorced from having fun.
• To inculcate a sense of continuous upgradation of skillsets, scheme exists for
reimbursement of certification fees for team members clearing the certification
exam .
Clients
Banks & Financial Services

Manufacturing Realty Services

*Logos are the property and trademark of the respective owners

Clients

IT Organizations

*Logos are the property and trademark of the respective owners

 Office Locations

New York USA

Mumbai, India
New Delhi, India

U.S.A.(Rep Office)
Immaculate IT Services Pvt Ltd INDIA
www.iits.in Immaculate IT Services Pvt Ltd
[email protected] Linesia www.iits.in s
Johannesburg [email protected]
South Africa

SOUTH AFRICA (Rep Office)

Immaculate IT Services Pvt Ltd
www.iits.in
[email protected]
Existing Products
 Paperless and easy solution for pre, during and post meetings activities.

 Enables access from any where and any device from App store and play store.

 Enables users to make comment on agenda pages for self reparation

 Comments made can be shared with other associated users for particular meeting.

 Voting for Agendas/ Resolution from Application.

 Facilities during the meeting like attendance, Notes, Video and Audio recording.

 Assigning and Tracking Tasks/ Actions with target dates.

 Post Meeting Automatic MOM generation and distribution

 Post Meeting Action Taken Report (ATR) Generation

Global Market Size $914M till 2025

 Creating a centralized repository or a library, where you can store all your information, which may be in
structured or unstructured form.
 Access from anywhere and anytime. Secure access to your documents through internet and
 intranet
 Instantaneous Retrieval/Sharing of information across the organization to the authorized people.
 Incredible reduction in storage and photocopying expenditures.
 No more problems of having documents misplaced, misfiled, lost or
damaged.

Protected Document Repository to safeguard your crucial information.

Speed the pace of business operations and thus increase the productivity of your employees.

A great initiative for paperless and “green” environment.

Collaborates smoothly with iOS (iPad) and Android based gadgets.
Become more customer-centric by reducing the response time and responding to customer
queries more efficiently.

Global Market Size $ 6.78B till 2023

 Reduce: Physical movement, risk and cost save time
 Security: Digital signature.
 Cheque handling: Only for capture
 Operational Efficiency: No repetition of data entry
 Economy Boost: Faster circulation of money.
 Retrieval: Central storage and retrieval.
 Bank status: CBS, TBA or any combination of these.
 Grids Concept: Covers states not only cities alone.
 MIS: Timely generation of the desired reports.

Market size $2.5M till 2021

 Maintains record of share capital of multiple companies.
 Provision for transfer, name deletion addition, demat, remat etc.
 SEBI compliant reports and their submission as per regulations
 BENPOS updated for the transactions in share market on daily
basis
 Users are for set of companies, companies to view reports.
 Automated reply to shareholders compliments and requests
 Maintains entire history of each transactions of shares.
 Dividend declaration

Global Market size $ 16 Billion till 2026

 Scan new applications like bank account or new policy documents
 These can be scanned at any branch and uploaded to central server.
 Maintain two queues one priority and another normal.
 Make these available on the browser for image based data entry.
 Queue rules are first priority to normal ones with “N” hours
passed.
 Then to the priority queue, if these are available.
 Reports are user wise speed, Accuracy and gapes above 10 minutes.
 Admin control panel to view progress new, entry 1, maker
checker ...
 Export to database the final data.
 Increases the productivity and efficiency of the office / management staff.
 Decreases paper work to great extent making the process cost effective.
 Saves man hours and reduces communication cost.
 Provides systematic way of enhancing the teaching staff work efficiency.
 Improvement in Organizational Structuring of Schools.
 GR Management, Fees Management, Exam Management, Staff
Management
Thank You