Agenda

Corporate Overview

Kisan Loan System + PACS Overview

Product Overview

Functional Features

Corporate Overview

Delhi – Nehru Place

Delhi – Rajinder Palace

Delhi – Gaziabad

Gurgaon

Navi Mumbai

Mumbai Fort

Rajahmundry

Business Process Center

Ahmedabad

Pune

Kolkata

Chennai

Bangalore

Bhubaneswar

Image Service Bureaus at

Hyderabad

Development Center

Business Processing Center

Data Center

Atlanta, GA

Richmond

Waterloo

Duluth

Miami

St. Louis

Birmingham

San Diego

Albany

Chile

Philippines

Development Centers

Sales Offices

Business Process Centers

Service Bureaus

Data Centers

DR Centers

Reseller Agreements

Latin AmericaCaribbean

Canada

Mumbai

DR Site

Incorporated in Atlanta in 1996 Established Indian arm in 2004

• Provides Solutions to the BFSI Industry • Develops and supports payment & CBS SolutionsCompany Overview

STRENGTH1200+Employees Globally; 1000+ Employees in India

CERTIFICATIONS

SEI CMMI Level 3 ISO 9001:2008

.

2600+FI Served Globally300+FI Served in India

TURNOVER

180 Cr. Global Turnover76 Cr. Indian Turnover

EXPERIENCE150 + person yrs of exp in Banking,

200+ person yrs in Technology,

5+ years in Mobile platform

CUSTOMERS

Company Highlights

Payment Products Suite Core Banking Suite

CONSUMER PRODUCTS BACK OFFICE PRODUCTS CORE BANKING SOLUTIONS

• Iris Core Banking Solution

• Iris Kisan Loans Solution

• Iris PACS Automation Solution

• Iris ATM Switching Services

• Iris eKYC Solution

• OnView RDC Suite

• ‘Jeb’ UPI Platform Solution

• Iris Digital Banking Solution

• Iris BBPS-OU Solution

• eDesk CTS Solution

• Centrum MMS-ACH Solution

Product & Services

2013

2014

900 Seater Processing

Facility Commissioned

2015

"Best Innovative Product for Banks" at Maharashtra Cooperative Summit

10 Most Promising BFSI

Software Solution Provider

Company of the Year

Recertification

"Best Tier 3 Data Centre“at Gujarat Cooperative Summit

2016

VSOFT jeb Wins NPCI Hackathon

Recent Achievements

Diverse Customer BaseOur Diverse Customer Base

2600+ FI Served Globally 300+ FI Served in India

What GoI & NABARD want to

Achieve?

Issue RuPay ATM Debit / Kisan Card to

farmers as a self-service enabler.

Facilitate loan operations through multiple

service channels such as ATM / POS /

Mobile phones.

Enable farmers to make need-based,

multiple withdrawals and repayments as

per their seasonal agricultural activities.

Move towards accessing online land

record and creation of charge.

What are the Hurdles?

Farmers are customers of PACS, which

are not banks and therefore cannot issue

Debit Cards to their customers.

PACS have no direct access to Banking &

Payment Networks.

Practically no CBS platforms available

today has end-to-end capability to

process agri loans as per KCC guidelines.

Business processes at PACS have not

been factored into existing CBS

platforms.

The Govt.’s Vision & Existing Hurdles

DCCBPACS

Farmer

Shadow registers have limited

authenticity and cannot constitute the

basis for online KCC operations.

Manual updating of shadow registers

is, and will continue as, a challenge

even after CBS implementation, as the

farmer level data & transactions are

with PACS in manual books.

Real registers containing member

information and loan accounts are

maintained by individual PACS

Historically PACS identify the

borrower, secure loan applications,

get documents executed, supervise

the disbursement and recovery of

agri loans.

Limitations of Current SystemsCurrent Limitations

Kisan Loan System - RuPay Enabled Kisan Credit Card

Can operate both SB and KCC

Loan accounts with one card.

Can operate on loan limits & SB

Account at any ATM or Micro

ATM device.

Farmer can make repayments with swipe

on the Micro ATM with immediate

acknowledgement.

Can draw on input requirements through

POS/micro-ATM.

KLS - How Will it Work?

DCCB PACS FarmerMicro ATM ATM

KLS

RuPay cards to be issued to farmer

members of PACS duly opening Bank

Accounts at DCCB Branch.

It would be a Combined

Card for SB and KCC and

work at any RuPay enabled

ATM.All KCC operations will

be through SB account

held in DCCB branch.

Farmer SB account can be Aadhaar

seeded for DBT of GOI/GOS and any

other State Govt. Schemes for farmers.

KLS maintains the complete farmer loan

accounts at PACS and the corresponding

loan(borrowing) account of PACS at

DCCB, fully Mapping all operations in

both the accounts simultaneously.

9

Solution Highlights

DCCBPACS

Farmer

KLS - Provides Necessary Regulatory Handshake

Loan Products setup

Seasons & Scales of Finance

setup

Loan application sanction

Loan application Inspection/review

Limits & Insurance setup

Allow Card based or Cheque

based transactions

Handling borrowing accounts of

PACS- linked to member level

transactions

Farmer onboarding (Membership,

Shares etc.)

Land cultivation registers, Charge

declaration/Mortgages, land values

etc.

ST(SAO)Credit limits & MT/LT loan

applications

Account setup/operations/recovery

/ renewal / closure

Loans Maintenance, Transactions

Interest Subvention/subsidy

CAS/MIS Reports

All the banking regulations are complied and the pre-eminence of PACS as the

service provider is fully retained and rejuvenated.

Multiple Lines of Credits of farmer under single KCC A/c

Consumption LoanLoan Amount = ₹20,000

Rate of Interest = 13% Penal Interest = 2%

Due date = 31/03/2016

Crop Loan for GroundnutScale of Finance = ₹ 18,000 / acreLoan Amount = ₹54,000 (3 acres)Rate of Interest = 7% Penal Interest = 0.75% Due date = 28/02/2016

Crop Loan for PaddyScale of Finance = ₹ 22,000/acreLoan Amount = ₹1,54,000 (7 acres)Rate of Interest = 7% Penal Interest = 0.75% Due date = 30/06/2016

Term Loan for 2+2 Diary UnitLoan Amount = ₹60,000 Loan Period = 3 Years Rate of Interest = 12% Penal Interest = 0.75% Due date = EMI

Term Loan for TractorLoan Amount = ₹6,00,000

Loan Period = 7 yearsRate of Interest = 12.75%

Penal Interest = 0.75% Due date = Annual Equated

Installments

PACS AutomationImportant Features of the PACS Automation Solution

Agricultural Credit Agri-allied Loans Thrift & Savings

Procurement, Warehousing

and Storage

Sale of consumer articles Member Shares Management

Public Distribution System (PDS)Fertilizer, Seeds and Pesticides Supply

Other Services

Benefits of the Solution

16

DCCB PACS FarmerMicro ATM

CBS

Inclusion of PACS

in the technology

enablement of CCS

Serving all the needs of

the farmers at his

doorstep .

Enhanced member

loyalty due to better

outreach.

Better funds utilization

due to online

operations.

Ease &

transparency in

operations

Self-service

channels leading to

reduced transaction

cost & operational /

staff cost

Better regulatory

compliance

Improved credit

business and

viability of PACS

CAS &

Comprehensive

MIS

Better monitoring of

loans , improved

recovery & reduced

NPAs

Timely Interest

subsidy /

subvention claiming

ATM

Summary

Thank You…