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BankCIS™ — A FiscalLogix Product

Enterprise Credit IntelligenceAcross the Entire Lending Lifecycle

From origination to approval to monitoring and recovery, BankCIS™ unifies credit processes, risk intelligence, and decisioning into a single intelligent platform.

Credit Lifecycle

Every stage. Fully covered.

BankCIS™ covers the complete credit lifecycle end-to-end. Select any stage below to explore its full capabilities.

Application

Secure login, KYC compliance, pre-qualification and customer onboarding

  • Secure login with internationalisation support, displaying TAT and system-generated reminders for timely disposal
  • Loan applications, customer register, and pre-qualification process initiation
  • Download relevant loan application forms and templates for customer onboarding
  • Capture and receive duly filled loan applications, financials, templates, and attachments (in person/online) with system-generated acknowledgement
  • Import new customer details or update/replace existing customer records
  • Default and background checks with User bank, RBI, CIBIL, ECGC, CFR, including asset classification, waiver/write-off, and compromise history via external system interfaces
  • KYC compliance
  • Obtain credit reports from other bank(s) for takeover of limits
Platform Architecture

Built in layers.
Designed for banking.

Three purpose-built layers work together — from raw data connectivity at the base to intelligent analytics at the top — delivering complete credit intelligence across your institution.

L1
Analytics & Intelligence
150+ MIS reports · Financial calculators · Decision support · Knowledge base · Regulatory updates
L2
End-to-End Credit Lifecycle Engine
Origination · Appraisal · Structuring · Decisioning · Documentation · Disbursement · Monitoring · Recovery
L3
Integrations, Compliance & Core Banking Connectivity
CBS · CERSAI · CIBIL · RBI · MCA · ECGC · eSign · DMS · External APIs
Top Layer
Analytics & Intelligence
150+ ReportsCalculatorsKnowledge BaseDecision Support
L1
Core Engine
End-to-End Credit Lifecycle Engine
OriginationAppraisalDecisioningDocumentationMonitoringRecovery
L2
Foundation
Integrations, Compliance & Core Banking Connectivity
CBSCERSAICIBILRBI / MCAeSignDMS
L3
The BankCIS™ Difference
The real moat of BankCIS™ is not just automation — it is the encoding of deep banking credit expertise into a unified intelligent platform.
230+ configurable credit facilities
150+ MIS & regulatory reports
End-to-end lifecycle coverage
Enterprise deployment support