Every capability, shipping today.
Not a roadmap. Not a slide. These are the features in our production environment right now, built around the real operational realities of Indian cooperative banks.
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.
Trilingual interface
English, Hindi, Marathi throughout — with Indian number formatting (1,23,456.78) and date format (DD/MM/YYYY) everywhere.
WhatsApp + SMS notifications
18 pre-built notification templates across mandate lifecycle events — WhatsApp first with SMS fallback, in the customer's preferred language.
Smart retry scheduling
Bounced mandates re-queued automatically based on the return code — insufficient funds retries in 2 days, account closed goes to needs-attention, etc. Fully configurable.
Field-level encryption for customer data
Account numbers and mobile numbers encrypted at rest with industry-standard AES-256. Still searchable via secure indexing. DPDP Act 2023 ready.
Mandatory 2FA for privileged roles
bank_admin and supervisor accounts require TOTP-based two-factor authentication. Enforced at the model layer — can't be disabled through the UI.
Rate limiting and brute-force defence
Layered throttles for logins, OTP requests, and API access — stops credential-stuffing, SMS abuse, and automated scraping before they affect your users.
RBI holiday-aware scheduler
National holidays, your state's holidays, and your bank's specific holidays all respected. Batches auto-move to the next business day.
What about Aadhaar e-mandate and UPI AutoPay?
Both are on our roadmap — Aadhaar e-mandate (Phase 2) requires UIDAI AUA accreditation (~6 months), and UPI AutoPay (Phase 3) requires NPCI UPI membership or sponsor integration. Phase 1 NACH is live and covers the majority of cooperative-bank recurring collection needs today.
See the full roadmap →All of this in a 20-minute demo
We'll walk through mandate lifecycle, return file parsing, and the member portal — against real seeded data.