Stop losing customers to bounced EMIs.
The NACH mandate and collection platform purpose-built for Urban Cooperative Banks and District Central Cooperative Banks. Generate NPCI-compliant files for your sponsor bank, read every return code in Marathi or Hindi, and retry bounced EMIs in the same cycle — not next week.
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NPCI return codes parsed
3 langs
English · हिंदी · मराठी
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Bounce-to-retry cycle
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Audit trail retention
Built for the realities of cooperative banking
Whichever hat you wear, there's a path through this site.
Ops or IT Head
UCB or DCCB
Your team runs NACH every week. See the features, the sponsor-bank workflow, and the cycle-time improvement.
Start with FeaturesCEO, CFO, Chairman
Decision-maker
You sign the MOU. See the ROI math, the pilot offer, and the reference-bank pricing lock-in.
See PricingCompliance Officer
RBI / NABARD / internal audit
You assess regulatory fit. See maker-checker, immutable audit trail, 2FA, encryption — mapped to directions.
Compliance stanceSociety / Federation Head
PACS, sugar, dairy, weavers
You work under a DCCB umbrella. See how 10–50 affiliated societies run on one platform, each with their own workspace.
For DCCBsYou don't submit to NPCI directly. Your sponsor bank does.
Most cooperative banks aren't NPCI members. They route NACH files through a sponsor bank (typically a public-sector bank) that has NPCI membership. The sponsor bank uploads the file to NPCI's e-PACS portal on your behalf and passes the return file back to you.
BQT plugs into that workflow — your ops team generates a compliant file, downloads it, hands it to your sponsor bank, and uploads the return file we give back to them. No change to your sponsor arrangement, just a faster and cleaner loop on your side.
A ₹200 Cr loan book leaks ~₹40L/year to preventable NPAs.
Most cooperative banks run NACH manually — Excel mandates, hand-assembled files, return codes looked up against a printed sheet. The average bounce-to-retry cycle stretches to 5–7 days. By then, the customer's salary has cleared and been spent again. The bounce becomes an NPA.
It's not a customer quality problem. It's an operations cycle-time problem.
Without BQT
With BQT
Six things every cooperative bank's NACH team needs.
Each of these is in production today. Not a roadmap, not a slide — the software our pilot banks use.
NPCI-compliant NACH file generation
Generate 200-character fixed-width NACH files ready to upload to your sponsor bank's e-PACS portal — CRLF line endings, MD5 checksums, paise conversion all correct.
Return code translation in your operator's language
When "U004" lands in your return file, it reads "खात्यात अपुरी शिल्लक" (insufficient balance), flags the customer for a T+2 retry, and moves on — no cross-referencing a printed NPCI code sheet.
Maker-checker enforcement
Operators create, supervisors approve — enforced at the database and policy layer, not just UI. No one can approve their own work.
Immutable audit trail
Every action — mandate created, approved, revoked, return processed — logged with user, IP, timestamp, and diff. Database trigger prevents tampering even by DBAs.
Clean separation between banks and societies
Your Kolhapur PACS can't see your Sangli PACS. Your central DCCB ops desk sees both. Data walls are enforced by the platform — your staff can't accidentally (or deliberately) cross them.
Mobile-first member portal
Your customers log in via OTP, see their mandate status, payment history, and raise support requests — all on their phone, in their language.
Built differently for UCBs and DCCBs.
The two bank types have different operational realities. Pick the path that matches yours.
For Urban Cooperative Banks
Single-branch or multi-branch UCBs with ₹50–500 Cr AUM moving off Excel-based NACH. Direct sponsor-bank relationship, weekly batches, NPA pressure on the retail EMI book.
See UCB-specific benefitsFor District Central Cooperative Banks
DCCBs overseeing 10–50 affiliated PACS, sugar co-ops, dairy unions. Kharif and rabi crop-loan windows, multi-society isolation, NABARD-aligned reporting — all in one platform.
See DCCB-specific benefitsProblems we close, by bank type.
Ready to automate NACH at your cooperative bank?
Book a 20-minute demo with real data from your bank's segment. First 3 pilot banks get 3 months free.