Stop losing customers to bounced EMIs.
NACH operations software purpose-built for India's Urban Cooperative Banks and District Central Cooperative Banks. Generate compliant files, parse return codes in your operator's language, retry bounces in <24 hours — in production today.
88
NPCI codes parsed
3 langs
EN / हि / मर
<24h
Bounce-to-retry
7 yr
Audit retention
Built for the realities of cooperative banking
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.
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 file parsing with 88 NPCI codes
Upload the return file from your sponsor bank and see every bounced mandate translated into plain English, Hindi, or Marathi — with retry actions pre-scheduled.
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.
Strict multi-tenant isolation
One deployment can serve 1 bank or 100. Every query, every policy, every log is scoped to the tenant — data from one bank is invisible to another.
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.
See UCB-specific benefitsFor District Central Cooperative Banks
DCCBs with 10–50 affiliated societies, seasonal crop-loan cycles, multi-society RBAC needs.
See DCCB-specific benefitsProblems we close, by bank type.
How a Pune UCB cut NACH bounce-to-retry from 7 days to 1
An Urban Cooperative Bank with ₹220 Cr loan book was leaking ~₹40L/year to preventable NPAs because bounced mandates sat in an Excel queue for a week before retry. BQT closed that loop.
NACH retry cycle
7 days → under 24 hours
How a Kolhapur DCCB gave 20 PACS their own mandate workflow
A District Central Cooperative Bank with 20+ affiliated Primary Agricultural Credit Societies ran all mandate paperwork centrally. BQT's multi-tenant isolation gave each society its own workspace without the DCCB losing oversight.
Societies onboarded
20 in 3 weeks
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.