NPA Management System

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Modules

  • Marking of loan accounts as PNPA: Most of the fields are auto populated from CBS, minimum 4-6 fields are available for data entry at branch level like market value of security, secured and unsecured amount etc.
  • Quarterly shifting of accounts category (e.g. substandard, doubtful – I, Loss etc.) as per RBI rules.
  • Current and projected provision calculation as per categorization: Branch-wise data entry locking facility to freeze the latest position before provision calculation.
  • Generation of RBI and OSS return reports.
  • Upload daily transactions from CBS into this system.
  • Monthly interest Calculation.
  • Monthly overdue Calculation.
  • Facility to skip the transactions from recovery statement in case of settlement.
  • Bulk Upload facility to open the new NPA marked accounts from CBS to this system.
  • Facility for Backdated transaction entry (BTM).
  • Generation of reports like recovery statement, account statement etc.
  • Master Data Maintenance.
  • Award details Maintenance. (Award Amount, Award Date, Award ROI etc.)
  • Transaction Maintenance.
  • Quick inquiry menu – User can view the transactions and bifurcation of amount (principle, interest and charges) of requested account in ledger fashion.
  • For CBS and this system reconciliation, generate daily report guiding user to which CBS account amount to be credit or debit.
  • Monthly Overdue Calculation.
  • Yearly interest calculation.
  • Facility for Backdated transaction entry (BTM).
  • Generation of reports like recovery statement, account statement etc.
  • Transaction Maintenance.
  • Quick inquiry menu – User can view the transactions and bifurcation of amount (principle, interest and charges) of requested account in ledger fashion.
  • For CBS and this system reconciliation, generate daily report guiding user to which CBS account amount to be credit or debit.
  • Generation of reports like recovery statement, account statement etc.
  • Synchronization with Finacle data for user master, work location and work class.
  • User creation.
  • Role based menu access.

Yes. We at Cosmos eSolutions, provide customized banking solutions to our customers. We understand your need and build our solutions around it.

Yes. We do have a highly qualified support team to assist you whenever required. We provide online as well as offline support.

Yes. We give a demo of our products/services to our leads. It can be arranged at our office premises or if possible, at customer’s site.

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