BancMate CBS – Case Study
The Bilingual software company
Overview
Country or Region: India
Industry: Banking
Customer Profile
The Himachal Pradesh
State Cooperative Bank
Limited [HPSCB] is the
Apex Bank of H.P state of
India.
HPSCB is one of the fast
growing banks in India
having more than 2400
Crores of deposits. HPSCB
has 173 branches and
extension counters spread
through out the state and
one branch in Delhi.
Business Situation
HPSCB was faced with the
prospect of increased
competition from new
private and public sector
banks. It also faced the
challenge of linking all of
its branch operations into
a cohesive entity to serve
its customers.
Himachal Pradesh State Coop. Bank, changes to
BancMate Bilingual Core Banking to compete with the
private sector and meet the requirements of OLA.
The Organization
The Himachal Pradesh State Cooperative Bank Limited [HPSCB] is the Apex Bank of H.P
state of India. HPSCB is one of the fast growing banks in India having more than 2400
Crores of deposits. HPSCB is the largest State Cooperative Banks in terms of number of
branches. It has 181 branches and extension counters of which about 94% is in the rural
areas of the state and one branch in Delhi. HPSCB offers a full range of financial Products
and services in Himachal Pradesh including deposit taking, electronic banking, term loans
and commercial bill acceptances.
Himachal Pradesh has the distinction of having first Coop. Society Registered in India.
Cooperative were primarily visualized as specialized agency for financing the credit
requirement of rural people in the country particularly agriculture.
The Bank is extending banking facilities in 5 districts viz. KANGRA, KULLU, HAMIRPUR,
LAHAUL & SPITI and UNA through our affiliated District Central Co-operative Banks, i.e. The
Kangra Central Co-operative Bank and in district SOLAN through another affiliated District
Central Co-operative Bank, The Jogindra Central Co-operative Bank as a District Central Co-
operative Bank.
Achievements :

The H.P. State Co-operative Bank Ltd. is the National Award Winner, which has been
conferred for achieving overall excellence in banking operations.

The H.P. State Co-operative Bank Ltd. is the first Co-operative Bank of India to
implement Total Branch Automation software in all its branches.

One of the first bank to opt for Core Banking Solution way back in 1999.
 BancMate CBS – Case Study

The Bilingual software company Himachal Pradesh State Coop. Bank, changes to
BancMate Bilingual Core Banking to compete with the
private sector and meet the requirements of OLA.

Solution Background The Task

KOSI chose BancMate and The commercial Banks were operating for the The task was cut out for the bank’s IT
BancMate CBS from years, but it was being felt that these banks team and NTPL to roll out BancMate CBS
Natural Technologies to were not paying necessary head to the credit in all 14 branches before 31st December,
run its branch banking requirements of common masses. Further the 2007.
operations on the commercial banks, were mainly concentrating
Microsoft® Windows their business in the urban area and the NTPL being there present TBA vendor
Server™ 2003 and banking facilities to rural people were not they were well aware of functioning of
Microsoft® SQL Server™
available. Consequently, the Co-operative the bank. As envisaged NTPL did not
Banks came into picture after 1904. spend too much time to study & analyze
2005 database.
the data to make CBS work.
Benefits
The IT Situation
Out of 181 branches, 160 bank’s branches The core team of NTPL was deputed to
 Bilingual software
were computerized with TBA software provides Shimla at the banks HO to complete the
 Easy to implement
by Natural Technologies Ltd. exercise in record time.
 User friendly
 Easy to troubleshoot Data conversion from present setup to
There were 14 branches which were on
 Scalable from very small BancMate CBS was the most difficult and
Centralised/Core Banking Software.
to large challenging task which the team took up
The bank was highly satisfied with its TBA as the first task to success. The team
implementation but was unable to draw the had no idea how the data was stored and
advantages of their CBS implementation. how the constraints were implemented. It
took one full month of effort to convert
The Option available with the bank was to the existing data to BancMate CBS.
migrate these 14 branches on CBS to BancMate
TBA. History was made
Chota Shimla branch was identified as
The Decision – BancMate CBS the pilot branch and on 2nd July, 2007 –
In the board meeting held on 14th April, 2007 Worlds First Bilingual Core Banking
called the representatives from Natural Software was rolled out at a branch of a
Technologies to discuss the matter where a new State Cooperative Bank. The team now
option was presented to the board. put all its efforts to streamline the
operations and improve the efficiency of
NTPL proposed to roll out BancMate CBS in the system, as existing setup was being
these 14 branches on the same infrastructure used.
to which the board consented.
It took around 10 days to streamline the
The Bank also desired that the software should : setup and the team now migrated its 2nd

Provide complete banking as being branch on 16th July, 2007. It required 2
done by BancMate days support at the branch and thus the

The Software should have bilingual confidence of the team kept on growing
facility meeting the requirements of the to migrate branches and by 5th
Official Languages Act, 1963. November they had done 8 branches.

It should provide for :
o ATM Shimla branch is the largest branch of
o SFMS/RTGS Interface the bank and the biggest challenge for
o Kiosk Interface the team was migrated on 19th
o Tele banking November, 2007.
o Mobile Banking
o CIBIL The date was 7th January, 2008 when all
o ALM 14 branches came on-line on BancMate
o ECS CBS, a delay of 7 days.
 BancMate CBS – Case Study
The Bilingual software company Himachal Pradesh State Coop. Bank, changes to
BancMate Bilingual Core Banking to compete with the
private sector and meet the requirements of OLA.
Benefits of BancMate
Easy to Implement
The implementation process is simple, fast and
user friendly. One of the fastest rolled out
software banks have been able to roll out 1000
branches a year.
User Friendly
The entire retail banking process is covered in
just two screens in BancMate. This makes it
very easy for bank employees to adopt the new
technology.
The simplicity of the solution has helped
reduced training costs by bring training time
down to three days.
Banks choose BancMate because it is a robust
solution. The solution, operating system and
database has never given any trouble. In
addition untrained manpower also finds it easy
to adapt to the solution.
Easy to Troubleshoot
Further, the ease at which configuration could
be done means that the bank was able to get
the infrastructure up and running very fast,
even in the remotest of branches.
Bilingual Application Software
BancMate CBS enables the bank to meet the
directives of the Official Language Act of the
country. BancMate gives the bank the ability to
maintain the database in Hindi and English, as
required.
The multilingual solution has helped the bank
maintain a better relationship with its retail and
rural customers. By providing bank statements
in the local language, the bank is able to bridge
the divide in rural locations as well as with
semi-literate customers.
Scalable – 2 PC to Pure Centralised
The scalability of the solution from a two-
computer network to pure Centralised solution
— meant that the bank could save on
implementation costs by rightsizing the
infrastructure to the needs of the particular
branch.
About Natural (NTPL)
Natural Technologies (P) Ltd. (NTPL),
creators of the bilingual, multi-lingual
software methodology, have evolved
from a deep commitment to meet the
computing needs of today and tomorrow.
One of the most innovative, reputable
and leading IT Company of India, NTPL is
in the business of application
development, consulting, distribution of
software products, systems integration
and data processing. Its clientele is
varied & its commitment to service and
flexibility to tailor services to suit
customer’s needs is reflected in growing
list of satisfied customers in critical
business area.
Natural holds the copyright for bilingual,
tri-lingual multi-lingual software
methodology has the vision to provide
software applications meeting the needs
of the local and global customers of our
clients.
The software applications should help
reduce manual burden and introduce
automation to help our customers
provide efficient services and build
everlasting relationship with their
customers.
The Challenge :
The world over working is done in single
language and we are introducing
bilingual, multi-lingual software
methodology where the working is to be
done in multi languages in parallel. The
challenge is introduction of a new
concept in computerization.
For more information about the work
being done by Natural Technologies (P)
Ltd. please visit :
www. bancmate.com