Core Banking Software · Since 2008

Core banking, built for the ledger books
of Indian cooperative finance.

Purpose-built CBS for Co-operative Banks, Credit Societies, Multi-State Societies and Microfinance institutions — real-time operations, centralized data, and a full mobile ecosystem, trusted by 500+ institutions.

Member Passbook
Sanchayika Sahakari Society
CBS
VERIFIED
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Institutions Served
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Members Nationwide
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Core Modules
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MIS Reports
Platform Overview

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

RBI-aligned reporting
Multi-branch ready
Real-time centralized data

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

"Built with deep knowledge of the Co-operative Societies Act, RBI regulatory circulars, and the everyday workflows of cooperative banking."

Visual Infosystems' Core Banking Software (CBS) was developed specifically for the Indian cooperative ecosystem — trusted by 500+ institutions for real-time, reliable, and compliant core banking operations, from the head branch ledger to the field collection agent's phone.

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.
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
Why Visual Infosystems

Trusted for the numbers that can't be wrong.

01

Since 2008

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

02

500+ Institutions

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

03

Regulatory-first design

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

04

One connected ledger

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

Get Started

Bring your society's ledger onto one real-time platform.

Talk to our team about migrating your branches, or download the CBS brochure to see the full module list.

Phone+91 92090 00096
Emailinfo@visualinfosystems.in
OfficeChhatrapati Sambhajinagar, Maharashtra 431006, India