SE 2B, High Performancecapability SME company

r e d e f i n i n g h o r i z o ne

IBFeBanking & Finance Solutions

S

CBFeCommodity Based

Financing

CFeChannel Financing

IFSeElectronic Inventory

Funding System

BDSeB i l l D iscounting

Solution

Solutions to TransformYour Business

For Better Tomorrow...

eSeries Solutions A flagship product of Puratech that meets banking requirements for Retail and Wholesale banking environment. The solutions are built on open architecture that suppor ts multiple platforms and databases and seamlessly integrate with existing Core Banking solutions if required or can run as a core solution of the specific business process.

The solutions have been recognized by leading Banks based on the fact by the number of implementations and the value proposition the solution has brought to our clients.

Domain - The Solutions have been built around core specific Banking Business processes along with the best practices for these Domains.

Modular – The products are designed to work in standalone as well as in integrated business environment. The solutions designed are modular within a Domain solution to enable easy implementation and to scale up as per our client’s business requirements

Puratech Solutions(India) Pvt. Ltd. Puratech brings over a decade of experience in technology and

process-driven solutions. Based out of Mumbai, Puratech was conceptualised in 2008 with a vision to provide superior IT services and products and delivering excellence in IT consulting.

Our flexible product architecture enables us to deliver best-in-class user experience, which aim to further the client’s business. With team size of over 100 strong, Puratech brings on board subject matter experts, solution architects, project managers, account managers, developers, testers, designers who believe in innovation and bringing new ideas to life. We combine the most strategic aspects of consulting models by providing with the highest quality projects at significantly reduced costs.

Puratech develops IT products for an array of industries including BFSI, Travel, Education, Agri-warehousing, Compliances, Geology and Mining. With a spread over 200 installations, It has proven expertise in Onshore and Offshore Development.

Empowering our customers with innovative technology platforms and unmatched IT solutions to script new stories of success.

“Amongst 20 Most Promising BFSI Software

Companies In India.”- Reviewed By CIO Magazine

Key Features of eCBF

Centralised / Decentralised loan origination with Maker CheckerHub and spoke configuration with state wise limit setupCommodity CAP setup at various levels including Programme CAP and respective commodity CAPsVarious loan account type management - Retail / Bulk / JLGWarehouse receipt valuation for credit controlStandard codification mapping with various Commodity ExchangesWarehouse survey and stock audit managementIntegrated insurance management across various levels of business processPhysical as well as Demat stock fundingCollateral manager interface for faster loan disbursementRole based dashboard configurationStandard reports to manage risk and exposuresLetter, notices templates along with email and SMS alertsIntegrated margin call system - facility to upload data from various sources and run call margin on scheduled and on demand basis. Generation of call margin letters and tracker along with system alerts Document management along with Deferrals and Discrepancies tracking

Commodity setupLoan origination

Warehouse managementCollateral and commission agent management

Repayment managementInsurance tracker

Mark to market - Margin call systemThird party data interface tracking

Ready to implement structured financing product enabled with best practices adopted by leading Indian

banks

A solution that addresses total end to end requirements of commodity based financing

Modules

Highlights

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COMMODITYLOAN SOLUTION

eCBF

Powerful Loan and Risk Management Solution

An end to end solution for commodity financing business from account sourcing, monitoring and control with M2M tools, operations, recovery management, audit and loan closure along with document management throughout the loan life cycle.

Integrated credit rating interface with CIBIL

CBFeCommodity Based Financing

Loan Management

Scalability

Security

Technology

Differential interest definition within a single accountRescheduling of loans, Deferrals and waiversCalculation of overdue / penal interestDifferent interest type definition - Monthly interest servicing, Bullet, Upfront servicingMultiple Repayment options - full, part and specific payments towards charges, insurance, penal interest and marginsNPA classification and monitoringRepayment scheduling with principle and interest on monthly basis

Integration with leading core banking solutions such as Finacle, FlexcubePrice data upload from various commodity exchanges and sourcesIntegration with commodity exchange back office solutionseCBF mini - mobile application for Blackberry, iPhone, Android phones stay connected on the move for Approvals and Portfolio statusCredit rating interface with CIBIL

Product Framework

The software allows easy integration and linkages with various financial products and external applications.

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Database Platform: MS SQL / OracleDevelopment Architecture: J2EEDeployment Server: IBM WAS / Pramati / Tomcat / Jboss

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User identification through User ID/password combinationAdoption of Static Password definable as per bank’s Security policyPassword creation and maintenance is in compliance with bank specific standards (Forceful change, history, encryption, audit trail, dormant user, attempts, activity report generation, etc.)Roles / Right Based User Profiles and Activities, Privileged Users and Access Control Concurrent user locksAutomatic logoff for unattended terminals and audit trail of login and logout status Activate / Deactivate User Accounts on Run Time

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End to end commodity loan management solutionINTEGRATION WITH CORE BANKING SYSTEM

Payouts module

Insurance Tracker

Repayment Module

Management & Commision Agent Interface

Collateral manager Interface

Warehouse receipt management

Borrower Disbursement

Borrower Appointment

Sourcing / Service Agent Appointment

Commodity Set Up

Support Modules

FINANCING MODULES

CONFIGURATION

MANAGER

DOCUMENT

MARGIN

CALL

TRACKER

SYSTEM

Business Benefits to Banks

Foreseeable Returnsto the Banks

Ability to manage bigger portfolios in Commodity FinancingLower TAT can be maintained for disbursalsAllows banks to take real time decision on various levels of exposuresBanks can monitor the risk involved throughout the contract periodOperations can be simplified across various locations using single application interfaceEnd to end system which allows integration of call margin (mark to market), integration with core banking and integrated document and warehouse receipt management and trackingMargin call can be run from a centralised location across the portfolioPhysical stock reconciliation allows banks to monitor stocks across all warehouses in real time basisBetter view on the commodity price trends allows banks to quantify the value at risk on real time basisEasy management of WR’sThe product can be configured for other products such as loan against Gold Jewelry, Tractor Finance, etc. apart from WHR financing

Increased quality portfolioExtended borrower baseGreater operational efficiencyOptimum revenue generation

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SUPPLY CHAINLOAN SOLUTION

eCF

Electronic channel financing solution, a web based solution to facilitate and managed financial transactions related to Anchor, Dealers & Suppliers.

Integrates with existing core banking solutions and with Net Banking interface

Key Features of eCF A solution to manage transactions related to Anchor Suppliers and Dealers, along with rule based transaction processing & interest computation. A solution that provides information about the delinquency and it’s management.

Segment / product setupDiscounting metrix setup for segmentsCore bank account mappingOnline Draw down by Dealer, Anchor, SupplierOption for Online Draw down by ManufactureExcel file upload batch process for multiple accountsBank’s Q for approvals and in cases of CAP bust Core Bank integration for draw downsAutomated adjustments on FIFO basis for repaymentsManual repayment option for account maintenanceEOD hand off files for service charges and Service tax EOM hand off files for NPA and interest postingsMIS / account maintenanceLimit enhancement processAdhoc or Temporary limits for drill down with Bank’s Q processWaiver and write-OffsLoan document image processingEmail alerts / SMS integration on work flow basis along with email advice to Vendors / Suppliers / Anchors / Manufacturers

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Dealer setupVendor / Supplier Setup

Anchor SetupProduct & Variant Configurator

Limit ConfiguratorBack Office Operations

Net Banking Interface

Ready to implement Supply chain solution for any product variant configurable on the fly, with ready Net

Banking Interface with Core Banking Solutions

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CFeChannel Financing

Loan Management

Scalability

Product Framework

Purchase Order FinanceInvoice Discounting Invoice FinancingInterest Rate Management Normal Interest Delinquency Interest Overdraft InterestCharged on fixed OR floating - volume or Tenure based slab rates, upfront or in arrearsMultiple interest computation methodCommitment charge setupRevenue sharing with Anchor customer

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The software allows easy integration and linkages with various financial products and external applications

Ready Net Banking interface

Auto bill / invoice discounting through Anchor ERP systems interface

Case Study Yes Bank had proposed for a new enhanced service to its corporate customers to provide Single Sign-on for Internet Banking and Inventory Funding Application. This feature will enable corporate users to sign in only once and access both the applications.

eIFS have been an effort which can provide the solutions to the current business scenario. After successful implementations of commodity based financing solutions (eCBF) in various Banks with implementation of this system YES BANK could offer Inventory finance advances to Automobile dealers as a new product to the existing loan products that YES Bank is presently offering. Also this solution has been integrated with Corporate Net-Banking.

Those dealers who avail inventory finance facility will help YES BANK to up-sell their Auto loan product to retails customers through referral. YES BANK will pass on interest subvention to these dealers based on their achieved retail conversions (interest rate subvention), Inventory funding software also provides additional feature for customer such as Buy-out Account facility over a different Bank Accounts for the manufacturer (External and Internal Account), RTGS facility for external account of Manufacturer, Dealer and Manufacture Bulk Draw Down facility (Excel Upload) in eIFS, also tracking with the scheme / Branch (PSL, Non PSL), Product Variant level for Inventory and Trade finance.

eBDSA Solution that addresses total end to end requirements of Bill discounting Model

Integrated with core banking solution along with customer portal to facilitate easy online bill upload and draw downs

Key Features of eBDS

Online drawn down by customerProduct and Variant setupCentralises master setup for market schemesWorkflow management with multi stage approvals processDeviation handlingAnchor – Vendor relationship setupVarious charge types configurationDiscounting matrix setupAdhoc Temporary limits for draw down with authorisation “Q”Bills upload / imaging setup

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BDSeB i l l D iscounting Solution

Bills discounting involves cashing bills / invoices before the maturity date by any bank or NBFC with discounted percentage on the bill value. It provides greater control over withdrawals with information about the date of bill maturity, eliminating the need to maintain large unutilized ideal cash balance.

Loan Management

Scalability

Vendor / Supplier SetupAnchor SetupProduct & Variant ConfigurationLimit ConfigurationBack Office OperationsNet Banking Interface ReadyInterest Rate ManagementNormal InterestDelinquency InterestOverdraft InterestCharged on fixed OR floating - volume or Tenure basedSlab rates, upfront or in arrearsMultiple interest computation methodCommitment charge setupRevenue sharing with Anchor customerSegment / product setupDiscounting matrix setup for segmentsCore bank account mappingOnline Draw down by Dealer, Anchor, SupplierOption for Online Draw down by ManufactureExcel file upload batch process for multiple accountsBank’s Q for approvals and in cases of CAP bustCore Bank integration for draw downsAutomated adjustments on FIFO basis for repaymentsManual repayment option for account maintenanceEOD hand off files for service chargesEOM hand off files for NPA and interest postingsMIS / account maintenanceLimit enhancement processAdhoc or Temporary limits for drill down with Bank’s Q ProcessWorkflow management with multi stage approvals processOnline Drawn drown by customer, customer portalWaiver and write-OffsLoan document image processingEmail aler ts / SMS integration on work flow basis alongwith email advice to Vendors / Suppliers / Anchors Manufacturers

The software allows easy integration and linkages with various financial products and external applications

Ready Net Banking Interface

Auto bill / Invoice discounting through Anchor ERP system interface

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Technology Database Platform: MS SQL / OracleDevelopment Architecture: J2EEDeployment Server: IBM WAS / Tomcat / Jboss

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eAWMSeAgri Warehouse Management Solution (eAWMS) is a complete web based solution focused for Agri-based products, which can be deployed in a central location and accessed from all the warehouses. The purpose of eWMS is to manage, maintain and control deposits, stocks and releases of a warehouse with a centralized MIS system.

e WarehouseManagement

System

Account / Payment Module Professional Warehousing Billing CMA Billing CF Billing

Warehouse Process Daily Transaction Details (DTD) Gatepass Generation CAD Generation Fumigation Process Insurance Process Sampling Process Warehouse Receipt Generation Spillage/Extra Bags Calculation Process Warehousing Reports DTD File Upload Process Transaction Audit

Commodity Funding Process Funding Client Definition Capturing Bank Details Tracking of Loan Details Auto Calculation of Commission

Collateral Management Process Warehouse Inspection Report CMS Location Identification Inward/Outward Process Sampling Process Storage Receipt Generation Delivery Order Generation - Release Auto Calculation of Commission Collateral Management Reports

Audit Process Plan Do Check Act Methodology Audit Plan & Team Definition Standard Checklist Definition Real time Non Conformance Generation Root Cause Analysis Details Inbuild Task Reminders Audit Reports Stock Recon

Payment Receivable Tracking Tally Integration

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A MS

Warehouse ManagementModule

Collateral Management

Features/BenefitsExclusive process for capturing the details of the Weightment process.Various documents like the Gatepass’s, Weightment Slips, Goods Transaction Reports, Goods Receipt Notes, Goods Issues Notes, Warehouse Receipts etc… can be easily generated from the system on one click.Secure Warehouse Receipt generation.Approval process at various check points to track the validity of each transaction.Insurance details can be captured and insurance policies can be tracked with reminders given well before the policy gets expired or the Policy limits reached.Separate process for capturing the details of fumigation which provides alerts as per the fumigation expiry schedule.Client wise automated bill generation as per the user requirements.Generation of various reports as per user requirements.Integrated Roles and Rights management allows user defined access to the system.Warehouse utilisation & other reports.

The Warehouse process involves all the activities right from creation of a Weightment Slip, managing the insurance, fumigation and Sampling processes to generation of a secure Warehouse Receipt which can be used as collateral for the funding process.

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Features/BenefitsClient wise & Bank wise/Branch wise individual Case Tracking Interface specifically designed for tracking cases at a glance.Detailed/Extensive Warehouse inspection report is captured in the system.Secure Storage Receipt generation.Approval process at various check points to track the validity of each transaction.

Collateral Management Process ensures the monitoring of commodities held as collateral, thus reducing the operational costs and improving efficiency.

The Collateral Management process provides dependable inspection and monitoring services, our process ensures secure traceability of goods across the supply chain. Collateral Management Process offers the service providers a robust mechanism to monitor collateral quality and quantity.

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Features

Benefits

The use of eAWMS would help the organization to reduce labour costs, Stationary costs & help in faster Customer Service & increasing the Storage Capacity of the Warehouse.Easily configure locations, warehouses, units (godowns) with no limitations.Easy to map bay and stack to the respective units / godowns.Users can be added in the system with specific roles and rights which allows users to be tagged to the HO or to individual warehouse and or godown level.Ability to add commodity categories and map commodities with their variety.System has an integrated feature to add blanket insurance (floater policy), real time utilization value of insured goods can be derived from the system.Systems allows insurance to be taken at warehouse level and also policy if procured by customer can be tracked separately.System allows to manage walk-in clients and reservations (bookings clients), bookings can be done at the HO level or at the warehouse level.System is divided in to two major processes i.e. deposit process and withdrawal process.Integrated fumigation process.Automated billing process on monthly and on withdrawal basis for all the modules.Reservation customer billing Centralized & Decentralized.Excess stock billing on reservation stock.Warehouse enquiry managementWarehouse business acquisition.Client / Vendor login interface.

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Single Server implementation and accessibility by users from all locations via internet.Data stores in a single centralized repository which allows the company to generate real time reports.Integrated end to end warehouse management process with minimal customizations.No limitations on number of locations, warehouses, godowns and users.Structured MIS with standardized reports (as followed by state managed warehouses report structure), can be customized as per clients requirements.Work flow [maker, checker process] matrix integrated to core process which minimizes users errors and optimizes end result and enables full process control.Integrated security management, which manages users rights and generates real time audit trails.Low cost of maintenance.Currently four modules are available can be scaled to provide customised modules as per client’srequirements.

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Leading Institutions Implement eSeries Solution

Our Esteemed Clients

& many more...

eSeries Solutions

Agri Warehouse Management SystemWarehouse ManagementCollateral ManagementAudit ManagementCommodity Finance Module

A MSeTravel Operations SuiteTourbox: The Ultimate Tour Operator SolutionTravota: Online Travel SolutionOctave: Corporate Travel SolutionFlamingo: Fleet Maintenance & Trip Management Solution

ST

eQuality Management SolutioneQC-DOC: Document Management and ControleQC-CAL: Calibration Management SolutioneQC-AUDIT: Audit Management Solution

Q SMGeology Database SolutionFor Exploration and Production Mining

GDM

eSchooleSchool3C allows the School toConnect, Communicate & ControlSeamlessly Through School’s Website

SCHOOL

IBFS

CBFeCommodity Based Financing

CFeChannel Financing

BDSeB i l l D iscounting Solution

IFSeElectronic Inventory Funding System

Powerful Loan and Risk Management Solution

An end to end solution for commodity financing business from account sourcing, monitoring and control with M2M tools, operations, recovery management, audit and loan closure along with document management throughout the loan life cycle.

Integrated with multi bureau credit platformsCollateral management interface for reducing transaction TAT

A Solution that addresses total end to end requirements of Bill discounting Model

Integrated with core banking solution along with customer portal to facilitate easy online bill upload and draw downs

Electronic Inventory Funding System (eIFS) Application is a customized solution in wake of the growing exposure for Inventory funding by Banks across India. Many commercial banks are in the line of business of financing on Inventory or Dealer Financing.

eIFS application will facilitate managing financial transaction related to Anchor, Dealers andSuppliers.

Electronic channel financing solution, a web based solution to facilitate and managed financial transactions related to Anchor, Dealers and Suppliers.

Integrates with existing core banking solutions and with Net Banking interface

For Private Circulation

B-202, Antophill Warehousing Complex, Dr. Vidyalankar College Road, Near Sangam Nagar,Antop Hill, Wadala (E), Mumbai - 400 037. India.

Contact: +91 22 24175911 / 12 / 13 Email: info@epuratech.com Website: www.puratech.co.in

PURATECH SOLUTIONS (INDIA) PVT. LTD.INDIA EAST AFRICA UK