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MIDC, A-24/5, MIDC Industrial Area, Chilkalthana, Chhatrapati Sambhajinagar, Maharashtra 431006. Mon-Sat 10am-6pm, Sunday Closed

Core Banking Software

The Complete Core Banking Platform for India's Cooperative Financial Institutions

Purpose-built CBS for Co-operative Banks, Credit Societies, Multi-State Societies, NIDHI Finance Companies, Employee Societies, and Microfinance Organizations with real-time operations, centralized data, and a full mobile ecosystem.
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.
Visual Infosystems Core Banking Software (CBS) was built to change that. Developed specifically for the Indian cooperative ecosystem β€” with deep knowledge of the Co-operative Societies Act, RBI regulatory circulars, and the day-to-day workflows of cooperative banking operations β€” our CBS platform has been trusted by 500+ institutions for real-time, reliable, and compliant core banking operations.

Core Software Modules

Comprehensive cooperative banking platform β€” end-to-end digital infrastructure

15 Core Modules 5 Mobile Apps 100+ MIS Reports Multi-branch Ready
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Member Management
Complete member lifecycle: onboarding, KYC, nominee, profile management, member ID generation, and communication history.
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Savings Accounts
Current and savings account management with interest calculation, statement generation, and auto-sweep functionality.
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Deposit Management
Fixed Deposits (FD), Recurring Deposits (RD), and Daily Deposit (Pigmy) with maturity calculations and auto-renewal.
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Loan Management
Full loan lifecycle: application, appraisal, disbursement, EMI scheduling, repayment tracking, overdue alerts, and closure.
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Daily Collection
Branch and field-level daily collection management β€” pigmy, RD, and loan EMI β€” with receipt generation and reconciliation.
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General Ledger
Double-entry accounting, voucher management, day-book, cash book, trial balance, P&L, and balance sheet generation.
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Share Management
Share capital management, share certificate issuance, dividend processing, and share transfer functionality.
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MIS & Reporting
100+ configurable MIS reports: daily, weekly, monthly, quarterly, and annual β€” aligned with regulatory reporting requirements.
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ATM & Card Integration
ATM machine integration with transaction processing, mini-statement at ATM, and balance enquiry services.
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BBPS Service
Bharat Bill Payment System integration for utility bill payment services to members.
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QR Code Service
UPI QR code generation for member payments and society collection points.
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Credit Score Interface
Integration with credit bureau for member credit score enquiry during loan appraisal.
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Document Management
Member and account document storage β€” KYC documents, loan agreements, photographs β€” with secure retrieval.
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User & Branch Management
Multi-branch setup, role-based user access, teller management, and branch-level MIS consolidation.