Transform Your Lending Experience
Complex Loan Proposal? No Worries! Just under 60 mins for decision making.
BankCIS can process the most complex proposal and get the decision within 60 minutes
Experience Next-Gen Loan Management with BankCIS ™
A state-of-the-art digital loan processing platform tailored for commercial banks. It offers an end-to-end solution that automates the entire loan lifecycle—from origination to post-sanction management and recovery. By leveraging advanced automation, it ensures speed, accuracy, compliance and significantly enhances operational efficiency, transforming the overall lending process.
60-Minute Turnaround Time
Complex proposals processed in under 60 mins; retail loans in 15 mins
Supports 230+ Credit Types
From Retail to MSME to Consortium & Loan Syndication
95% Cost Reduction
Automates manual tasks and reduces operational overhead drastically
Compliance & Accuracy
Ensures adherence to all regulatory standards
Full Lifecycle Management
Covers application, processing, disbursement, follow-up and recovery
Grow Customer Loyalty
Faster Approvals, Better Customer Experience
Improve Employee Productivity
Automate manual tasks, enabling staff to focus on high-value activities and boost output
Supports 230+ diverse credit products
BankCIS is a robust credit processing platform that supports over 230 parameterized credit products across a wide spectrum of customer segments and sectors. These include Retail, Agriculture, MSME, Mid and Large Corporates, Infrastructure/Project Financing, Consortium Finance, Loan Syndication and Multiple Banking Arrangements.
The platform enables seamless management of diverse credit facilities, such as:
- Term Loans
- Working Capital Finance (Funded and Non-Funded, including Inland and Import LC – DA/DP, Bank Guarantees)
- Forward Exchange Contracts (Import & Export)
- Retail Loans (Personal, Auto, Education, Housing, Gold Loans, Agriculture Loans, etc.)
- Non-Priority Sector Advances
- Centrally Sponsored Schemes
BankCIS's flexible and scalable architecture empowers banks and financial institutions to efficiently handle a wide array of credit products, ensuring compliance, speed and agility in credit operations.
What makes BankCIS different
Pre-Qualification Process
Initial assessment of eligibility based on predefined criteria to ensure 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.
Pre-Disbursement Documentation
Generation of required security documents that are duly filled and either e-signed or manually signed
Disbursement
Transferring disbursement-related information to Core Banking Services
Post-Disbursement Follow-Up
Continuous monitoring and support for borrowers, addressing sensitive aspects post-sanction
Reporting
Generation of reports summarizing the evaluation and decision processes for transparency and compliance
Mortgage Formalities
Completion of mortgage processes ensuring all legal requirements are met before disbursement
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
How BankCIS™ helps Financial Institutions Multiply Revenue?
BankCIS™ empowers banks to significantly enhance operational efficiency and drive revenue growth through intelligent automation, compliance, and speed as follows:
- Drastically Reduces Processing Time and Costs: Complex credit proposals that traditionally take up to 2 months can be processed in as little as 1 hour, reducing operational costs by over 95%.
- Supports 230+ Credit Facilities and Parameterized Products:
Enables institutions to cater to a wide range of customer segments with agility and precision. - Ensures Compliance with Sanctioning Norms:
Automatically enforces delegated authority limits, credit exposure caps and sector-specific ceilings—ensuring every sanction is within defined risk parameters. - Minimal Data Entry & End-to-End Lending Automation:
Streamlined workflows with intelligent process notes reduce manual intervention and accelerate decision-making. - Accelerated Credit Lifecycle: Rapid credit processing, sanctioning and disbursement lead to faster project launches, avoiding cost overruns and enabling quicker realization of interest income and service charges.
- Enhanced Resource Allocation: With reduced manual workload, teams can focus on customer acquisition and relationship management, leading to higher client satisfaction and increased business.
- Smart Admin Module with Robust MIS & Regulatory Compliance: The centralized Admin and MIS modules are continuously updated with the latest regulations, acting as a built-in compliance and quality assurance system to prevent errors and misjudgements.
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: 230+ Parameterised products of the User bank
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 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