Amplify Your Credit Power
Complex Loan Proposal? No Worries! Just an hour for decision making.
Leave the most Complex Loan Proposal to us. We will process and get the decision within 1 hour.
BankCIS
A unique end-to-end cutting edge digital solution for the automation of lending processes (Loan Origination and Management) of Commercial banks, NBFCs, Credit Unions and other Lending Organizations in compliance with international regulatory standards
Rapid Processing in less than 1 hour
Completes all complex loan proposals including Consortium and Loan Syndication in less than 1 hour with 100% accuracy and adherence to regulatory standards
Supports 200+ Credit Types
Offers an end-to-end automation system that supports 200+ credit types for credit functions across branches, regional and head offices of commercial banks
Reduce Operational Cost by 90%
Drastically reduce the operational costs by 90% avoiding complex, manual calculations and decision making
Grow Customer base and Loyalty
Grow Customer base, enhance borrower experience and loyaltywith fast credit approvals with a seamless digital solution
Improve Employee well-being and productivity
Revitalize the workforce, supercharge output and elevate employee happiness
Supports 200+ diverse credit products
BankCIS is capable of processing 200+ types of loans and parameterized products to various sectors like Agriculture, MSME, Corporate, Mid Corporate, Large Corporate, NBFC, Infrastructure/Project Financing, Consortium Finance/Loan Syndication and Multiple banking. It caters many loan types like:
- Term Loans
- Working Capital Finance (Funded & Non Funded)
- Forward Exchange Contracts (Import & Export)
- Non Priority Sector Advance
- Centrally Sponsored Schemes
- Retail Loans (Personal, Auto, Education, Agriculture, Home Loan, Gold Loan etc)
What makes BankCIS different
Pre-Qualification Process
Initial assessment of eligibility based on predefined criteria to ensure that
applicants meet the basic requirements for the loan
Comprehensive Processing
Detailed analysis of the application, including creditworthiness, risk assessment, and financial viability
Sanctioning Decision
Automated decision-making capabilities facilitate quick approvals or rejections based on data analysis
Reporting
Generation of reports summarizing the evaluation and decision processes for
transparency and compliance
Pre-Disbursement Documentation
Generation of required security documents that are duly filled and either E-signed or manually signed
Mortgage Formalities
Completion of mortgage processes ensuring all legal requirements are met before disbursement
Disbursement
Transfering disbursement related information to Core Banking Services
Post-Disbursement Follow-Up
Continuous monitoring and support for borrowers addressing sensitive aspects
post-sanction
Migration Studies
Analysis of the loan's performance and any required adjustments
Annual Reviews
Periodic reassessment of the loan’s status, including any necessary
renewals, re-scheduling, or compromises
Recovery Processes
Implementation of recovery measures for overdue loans ensuring compliance with regulatory standards
Documentation and Management
Maintenance of registers, Management Information Systems (MIS) and statements to track all activities and facilitate informed decision-making
FAQ
Which all loan types can be processed using BankCIS?
Agriculture (direct & indirect), State & Centrally sponsored schemes, AGRI & MSME-Term loans, AGRI & MSME - Working capital-funded limits, AGRI & MSME - Working capital - non funded limits & forward exchange contracts, Other Non Priority, Retail loans.
Total: 220+ Parameterised products of the User bank
How BankCIS™ Help to Financial organizations to multi fold revenue?
- Slashes down the processing time of even a complex proposal from 2 months to 1 hour which would directly cut the cost of operations by more than 90%
- Processes 200+ types of credit facilities as well as Parameterized Products
- Sanction of the limit/s within the boundaries of the Delegated power, Credit & Sector exposure ceiling
- Minimal Data entry - An end-to-end Lending automation system with process notes to help with faster decision making
- Swift Credit processing, sanctioning & disbursement enables prompt launching of projects, obviating cost escalation, quicker revenue realization in terms of charges & interests
- The resources can be better utilized in getting more clients as well as better client satisfaction
- The Admin Module and MIS reports of BankCIS is armed with the centralized updated regulations, acting as a Watch Dog against commission of errors & misjudgment
Can BankCIS be customized according to bank's requirement?
Yes, our solutions are highly customizable to meet the specific needs and requirements of each bank we work with.
What kind of Licensing models does BankCIS™ offer?
Enterprise License and Software as a Service (Subscription based)
Investments for procuring BankCIS™?
Fiscallogix’s pricing varies and do have a formula, please write to us
Would Fiscallogix be ready to do Proof of Concept?
Yes, we can work together to see the true value