Chhatrapati Sambhajinagar, Maharashtra
Core Banking Software · Since 2008

Core banking infrastructure for cooperative finance

A single, centralized platform for Co-operative Banks, Credit Societies, Multi-State Societies and Microfinance institutions — built around the Co-operative Societies Act and RBI reporting requirements.

POST /api/rd-deposit
acct: "4021-88"
status: 200 OK
SYNC branch-07
Real-time sync
RBI-compliant
•••• •••• •••• 4821
Member Card
CBS
Portfolio Overview
Live
Deposits
₹482Cr
▲ 4.2%
Loan Book
₹316Cr
▲ 2.8%
Members
1.2L
▲ 640
Transactions — Last 6 Months
Trusted by cooperative banks, credit societies & microfinance companies nationwide
Co-operative Banks Credit Societies Multi-State Societies Microfinance Institutions
3000+
Institutions Served
250M+
Members Nationwide
15
Core Modules
100+
MIS Reports
CBS Product Overview
RBI-aligned regulatory reporting
Multi-branch, multi-society ready
Real-time, centralized data
Platform Overview

Software written in the language of the Co-operative Societies Act.

India's cooperative banking sector serves over 250 million members and manages trillions of rupees in deposits, loans, and daily financial transactions. For decades, the software available to these institutions was generic, expensive, or inadequate for the specific regulatory and operational requirements of cooperative finance.

Visual Infosystems' Core Banking Software (CBS) was built specifically for the Indian cooperative ecosystem — with deep knowledge of the Co-operative Societies Act, RBI regulatory circulars, and the everyday workflows of cooperative banking, from the head branch ledger to the field collection agent's phone.

Today it's trusted by 3000+ institutions for real-time, reliable, and compliant core banking operations across savings, deposits, loans, microfinance, and daily field collection.

What's Inside

Fifteen modules, one centralized ledger.

Comprehensive cooperative banking infrastructure — from member onboarding to daily field collection, all reconciled in real time.

Member Management
Complete member lifecycle: onboarding, KYC, nominee and profile management, member ID generation, communication history.
Savings Accounts
Current and savings account management with interest calculation, statement generation, and auto-sweep functionality.
Deposit Management
Fixed Deposits, Recurring Deposits and Daily Deposit (Pigmy) with maturity calculations and auto-renewal.
Loan Management
Full loan lifecycle: application, appraisal, disbursement, EMI scheduling, repayment tracking, overdue alerts, closure.
Microfinance Management
Small-ticket loan disbursement, group lending, installment tracking, collection management and financial inclusion support.
Daily Collection
Branch and field-level collection — pigmy, RD, and loan EMI — with instant receipt generation and reconciliation.
General Ledger
Double-entry accounting, voucher management, day-book, cash book, trial balance, P&L and balance sheet.
Share Management
Share capital management, certificate issuance, dividend processing, and share transfer functionality.
MIS & Reporting
100+ configurable reports — daily, weekly, monthly, quarterly, annual — aligned with regulatory reporting requirements.
ATM & Card Integration
ATM machine integration with transaction processing, mini-statement at ATM, and balance enquiry services.
BBPS Service
Bharat Bill Payment System integration for utility bill payment services to members.
QR Code Service
UPI QR code generation for member payments and society collection points.
Credit Score Interface
Direct integration with credit bureau for member credit score enquiry during loan appraisal.
Document Management
Member and account document storage — KYC papers, loan agreements, photographs — with secure retrieval.
User & Branch Management
Multi-branch setup, role-based user access, teller management, and branch-level MIS consolidation.
Onboarding

From first meeting to live ledger, in six stages.

A structured rollout so your branches, field agents and head office all go live on the same day, with data intact and staff ready.

CBS Software Discovery and Requirement CBS Software Configuration CBS Software Data Migration CBS Software Staff Training CBS Software Go Live CBS Software Support and Maintenance
Discovery & Requirement 01 / 06
Mobile Ecosystem

Five apps, every seat at the society.

From the chairman's dashboard to the field collection agent's phone — synced with CBS in real time.

Customer App
Android
  • Statement & mini passbook
  • Balance check
  • Savings & RD details
Chairman App
Executive
  • Cash-in-bank overview
  • Customer dashboard
  • Share summary & cash book
Daily Collection App
Field
  • Pigmy, RD, EMI collection
  • Instant receipt generation
  • Sync with CBS
B2C Management App
Agent
  • Transaction authorization
  • Document upload
  • Commission management
EMP Member App
Employee
  • Employee society access
  • Savings management
  • Loan & benefit accounts
Photo via Unsplash
Why Visual Infosystems

Trusted for the numbers that can't be wrong.

Since 2008

Nearly two decades of building exclusively for India's cooperative finance sector.

3000+ Institutions

Deployed across cooperative banks, credit societies and microfinance companies nationwide.

Regulatory-first design

Built around the Co-operative Societies Act and RBI circulars, not retrofitted afterward.

One connected ledger

Head office, branches and field agents all reconcile against the same real-time data.