Core
Value

Reliability

Core
Purpose
To
help
organizations
and
individuals
to
gain
more
efficiency

Mission
We
develop,
implement
and
provide
reliable
software
solutions
and

services
to
organizations
and
individuals
by
means
of
user-friendly
designs,

error
free
development
&
timely
implementations.

LIST
Software
Pvt.
Ltd.
(LIST)
,
is
a
well
known
Software
development

company
dealing
in
banking
sector.
LIST
is
in
the
market
for
more
than
two

decades.
For
more
details
about
company
please
visit
our
site

http://www.listspl.co.in

We
ensure
that
our
products
and
solutions
meet
your
needs,
business

trends
and
technological
developments.
The
strength
of
LIST
is
the
team
of

well
trained
and
efficient
developers,
having
good
experience
of
software

development.
LIST
is
working
on
JAVA
and
ORACLE
technology.
We
are

proud
to
be
the
business
partners
of
Oracle,
IBM
and

Dbvisit.

Business
Partners
Company
Profile
Saving
Deposits,

Current
Deposits,

Fixed
Deposits,

Re-Investment

Deposits,


Call
Deposits,


Recurring
Deposits,


Pigmy
Deposits,


Term
Loans,


Cash
Credits,


Remittance,
Gold
Loans
and
Loans
against

Deposits,
Clearing,
Bills,
NPA,


TDS,
CRT,
Photo/
Signature
Capture,
Standing
Instructions,

Bilingual
(Marathi
Interface),
Reports-
ALM,
AML,
OSS,

Any
Branch
Banking,


SMS
Banking,

Touch
Screen
Kiosk
Modules
Available
in

the
CBS

CUSTODIAN
Branch
Banking

Sr.
No. Modules
1 Saving
Deposits

2 Current
Deposits

3 Fixed
Deposits

4 Re-Investment

Deposits

5 Call
Deposits

6 Recurring
Deposits

7 Pigmy
Deposits

8 Term
Loans

9 Cash
Credits

10 Gold
Loans
and
Loans
against

Deposits

11 Clearing

12 Remittances
Modules

13 Bills

14 NPA

15 TDS

16 Cash

17 CRT

18 Photo/
Signature
Capture

19 Standing
Instructions

20 DEAF
(Deposit
Education
Awareness
Fund)
HO
Day
Book,

Share
Accounting,

Payroll,
Inventory,
Investment,
RBI
and
MIS
Reports,
Banker`s
Account
Reconciliation,

Centralised
Policies
Application,




HO
Day
Book,


Share
Accounting,


P a y r o l l ,
I n v e n t o r y,
I n v e s t m e n t ,
R B I
a n d
M I S
R e p o r t s ,

Banker`s
Account
Reconciliation,
Centralised
Policies
Application,
H O
D a y
B o o k ,
S h a r e
A c c o u n t i n g ,
P a y r o l l ,
I n v e n t o r y,
Investment,

RBI
and
MIS
Reports,

Banker`s
Account
Reconciliation,


Centralised
Policies
Application,


HO
Day
Book,
Share
Accounting,


P a y r o l l ,
I n v e n t o r y,
I n v e s t m e n t ,
R B I
a n d
M I S
R e p o r t s
Modules
Available
in

the
CBS
CUSTODIAN
Head
Office

Sr.
No. Modules

1 HO
Day
Book

2 Share
Accounting

3 Investment

4 RBI
and
MIS
Reports

5 Banker`s
Account
Reconciliation

6 Centralised
Policy
Application

7 CEO
View
Point

8 Graphical
MIS
Modules
 Custodian
CBS

Delivery
Advanced

Interfaces Banking
Channels Modules

Cheque
Deposit
Credit
Appraisal

SMS
Banking System
Machine
Loan
Document

< Internet
Banking ATM Printing
< < Loan
Recovery
Mobile
Banking Cash
Deposit
Machine
Management
<

e-Passbook Passbook
Printing Audit
Module

Statement
on
NACH
Dr/Cr,
APBS
&

Fl
Handheld
devices DBTL,
ECS
e-mail

Mobile
Based

RTGS
H2H Agency
Banking
Pigmi
Collection

CTS
(Scanner
&
CHI) Micro
Finance

Anti
Money

Laundering

C-KYC
 Client
Tier

Clientside
Firewall

HTTP/ Internet
HTTPS

Serveside
Firewall

HTTP
Listener

Weblogic
Application Java
Runtime
Tier

Socket

SQL*Net

Database
Tier

Centralized
Deployment

The
completely
Browser
based
Core
Banking

Solution
shall
have
all
the
data
and
the
application

Modules

installed
at
single
location
(data
center)
and
branches

will
access
the
same
via
a
web
browser.

All
the
branches
will
either
be
connected
through

Leased
Lines,
MPLS,
VPN,
RF
or
any
other
networking

option.

Centralized
policy
settings,
Common
Delivery

channels,
Generation
of
reports
are
driven
from
data

center.
 Accuracy

Complete
Integration Adherence
between to
prudent
Modules norms

Custodian
Primarily
Focuses
on
No

duplicate Uncompromised
entry Security
Aspects

Maximum Proper
Automation Alerting
System
 Payment
Inst.
Drawing

Power
Authority Underlien/
Checks Ear-marking

Insurance Abnormal
Verification Transaction Liability

Alerts Check Operational
Inst.
Photo

Signature Stop
Payment
Inst.

Major
Considerations
for
payments
During
the
payment
transactions,
before
authorization,
Custodian
checks
all
above
:

Considerations
Stop
payment
instructions
are
shown
&
validated
with
Cheque
No.

Also
system
does
not

accept
stale
cheques
or
post-dated
cheques.
Payment
is
not
allowed
when
FD
receipt
is
underliened.

Facility
to
“Earmark”
the
sum
to
specific
amount,
due
to
any
reasons
such
as
government

orders
or
bank`s
decision
etc.
And
payment
of
that
particular
account
below
earmarked
level
is
not
allowed.
Shows
operational
instructions.


eg.
A
Joint
account
to
be
operated
by
Single
or
Joint
signatures,
Either
or
Survivor
etc.

One
should
have
sufficient
authorities
to
enter
into
a
program
&
shall
have
special
authorities

to
complete
the
transactions.
eg.

Payment
below
min.
bal.
level,
Payment
beyond
minimum

balance
level,
allow
transactions
on
Dormant
Accounts
etc.
Payment
instructions
are
displayed.

Scanned
photo
and
the
signature
of
the
customer
are
displayed
at
the
time
of
transaction.
The
alerts
are
fired
at
the
time
of
abnormal
transactions.
eg.
Payment
Beyond
Sanctioned

Limit,
Overdraft
on
SB
&
CA
Accounts.
The
system
maintains
the
drawing
power
of
the
customer`s
loans
&
advances
accounts
&

gives
alert
if
the
payment
amount
exceeds
the
drawing
power
limit.

An
exception
is
raised
&
recorded
if
such
payment
is
made
by
using
special
authority.
Insurance
cover
is
verified
at
the
time
of
payment,
gives
alert
if
account
is
under
insured.
Shows
liabilities
of
a
customer
(as
a
guarantor
&
as
a
borrower).

 After
Payment
Considerations

No
modification
is
allowed
after
authorization
of
voucher.
One
can
modify
the
voucher

before
authorization
but
only
entry
user
can
modify
it.
The
voucher
is
displayed
after
it`s
authorization.
Entries
appear
on
passbook
immediatly
after
authorization
of
entries.
Complete
audit-trail
of
the
transaction
is
maintained.
Every
entry
is
stored
with

date

&
time
stamp,
Entry
User,
Passing
Officer,
Cash
User.
The
entry
is
also
stored
along
with
the

alerts
fired
at
the
time
of
entry
&
authorising
the
transaction,
so
that
in
future
complete

entry
can
be
traced
out,
whenever
the
necessity
occurs.
All
vouchers
can
be
printed
after
ʻDay
Endʼ.
System
calculates
TDS
&
recovers
according
to
the
parameters
provided.
The
automatic
posting
and
reversal
of
internal
vouchers
is
done
by
the
CUSTODIAN.

eg.
Excess
interest
paid
is
reversed
in
case
of
Premature
payment
of
Deposits,

Interest
receivable
of
newly
identified
NPA
A/c
(SB-STD)
goes
to
NPA
Interest
Reserve

&
after
credit
on
NPA
accounts
it
is
reversed
automatically.

inting TDS

Related
Voucher
P
r Post
Payment
Task

Aud
isplay it

T
rail
cher

D
Vou
Imm
sals
ever

edi
ate
s
&
R

Eff
sting

ect

to

c
Po

pas
mati

sbo
Auto

ok
 Records
Standing
Shows Inst. Controls
Anticipated Interest
TDS Rate

Loan

Pigmy
Receipts
Machine Bifurcation
I/F

Receipts

Currency
No. Scroll
/Teller
Recording
facility

Cash
Nominee Receipt
Recording Printing
FD
Receipt
Printing

Major
Considerations
for
Receipts
Receipt
Transaction
:
Automatic
Bifurcation
of
Loan
Receipt
Amount.
Credits
receipted
amounts
by
Priority
as
1st

Other
Charges,
2nd
Penalty,
3rd
Interest
&
then
Principle.

System
can
work
in
both
styles
‒
Either
Scroll
or
Teller
system.

Limited
Authority
of

payment
can
be
set
to
every
Teller
Clerk,
beyond
which
user
cannot
make
payment.
Receipts
Facility
to
print
Cash
Receipt
at
Cashier`s
Node.
Option
for
Printing
of
Deposit
Receipts.
Records
Nominee
information
at
the
time
of
Receipt.
Provision
to
record
Currency
Nos.
on
instructions
of
RBI
or
Govt.

(eg.
Notes
like
500/-
or

2000/-
etc.)
Supports
almost
all
of
Pigmy
Machines
in
the
market.
Anticipated
TDS
can
be
viewed
before
passing
the
entry.
Shows
TDS
calculation
before

issuing
new/
fresh
FD`s
&
after
issuing
new/
fresh
FD`s.
One
can
record
standing
instructions
on
the
fly.
eg.
‒
Interest
Credit
Instruction
to
SB,

RD,
Loan,
Auto
Renewal
with
Interest,
without
Interest
etc.
Controls
Interest
Rates
‒
User
cannot
modify
rate
of
interest
without
special
authority.
 Automatic

Locking
On
Dual
Authority
logon
fail Total
Where Encryption
required Of
Data

Efficient

Forced

Authority
Password
Management
Change

Security
Multiple

Maker
/ Roles
&
special
Checker Authority

Alerts
on
Modification
Abnormal
Trace

Transaction
Audit
Trail
of
Transactions

Security
Measures
CUSTODIAN
keeps
log
of
user
logins
&
locks
user
after
certain
(Configurable)
unsuccessful

attempts
and
keeps
log
of
unsuccessful
attempts
with
terminal
identification,
date
&
time.

In
CUSTODIAN,
the
data
is
stored
in
encrypted
fashion.
A
very
strong
Authority
Management
System
prohibits
access
to
the
Unauthorized
users.

The
Bank
can
define
multiple
roles
&
can
assign
authorities
to
the
Roles.
Further
such
roles
can

be
assigned
to
Users.

Any
extra
authority,
other
than
standard
roles,
can
also
be
assigned

Security

to
user,
if
required.
Everything
that
is
modified
(Master
Information)
is
stored
in
a
history
table.
One
cannot

modify
entry
without
having
an
authority.

In
CUSTODIAN,
complete
audit
trail
is
maintained.
Every
transaction
is
stored
with
Entry

user,
date
&
time
stamp
of
entry
&
Authorisation,
Authorisation
user,
Cash
user
etc.

Alerts
against
the
abnormal
transactions
are
also
stored
alongwith
transactions.
Maker
‒
Checker
control
is
provided.
For
some
kind
of
transactions
the
bank
can
set
such

control
that
the
entry
user
cannot
pass/
authorize
the
voucher
though
it
has
authority
to
do
so.
Also
in
some
cases
like
large
value
transaction
or
operating
Dormant
accounts
there
is

necessity
of
Dual
authorization
of
Transaction,
Custodian
can
be
configured
for
the
same.
CUSTODIAN
forces
user
to
change
its
password
frequently
(Number
of
days
are
configurable)

&
does
not
allow
repeating
the
previous
passwords.
 Flexible
Authority
Management
 Bank
can
define
roles
and
assign
set
of
privileges
to
a
particular
role
 A
role
can
further
be
assigned
to
a
particular
user

 DES
3
encryption
of
passwords
 Password
alphanumeric
combination
enforcement
 Locking
of
user
id
after
several
unsuccessful
attempts
of
login
 Forced
change
of
password
after
specified
days
 Check
to
avoid
continuous
reuse
of
password
for
specified
number
of
times
 Auto
locking
of
screen,
due
to
user
inactivity
 Logon
summary
displayed
during
each
logon

 Ensures
each
transaction
has
proper
user,
date
&
time,
terminal
ID,





alert
stamps
 Transactions
can
have
ceiling
for
amount
 Maker
checker
compulsion
can
be
enforced
for
all
or
selected
transactions

 Ensures
each
exceptional
transactions
log
is
generated
 Voucher
Printing

Loan
Notices FD
Receipt
(Phase
Wise) Printing

DD
Printing
HO
Sheet (Own
Branches

& &
Associate
Banks)
Advices

Printing

Passbook
Covering
Printing
Letters

Share

Bills
Letters Certificate

Major
Printing
Facilities

Printing
features
:
All
vouchers
entered
by
users
as
well
as
system
generated
vouchers
can
be
printed.
The
FD
receipt
can
optionally
printed
on
preprinted
stationery.

Almost
all
kind
of
DD
formats
are
ready
in
the
system
for
printing
of
Arrangement
DD.
Printing
Facility
to
print
Passbook.
Supports
multiple
formats
of
Passbooks
(Different
for
Saving,

Current
&
Loans).

System
remembers
the
number
of
rows
printed
&
the
date
of
last
transaction
printed
earlier.

One
needs
not
to
remember
the
same.
Share
Certificate
printing.
Bill`s
Letters,
reminders
are
generated
&
printed
in
the
prescribed
format
of
the
bank.
Printing
of
Covering
Letters
in
the
prescribed
format
given
by
the
bank.
HO
Sheet
&
Advices
are
generated
in
Day
End
process
&
can
be
printed.
Facility
to
print
Loan
Letters
by
Recovery
Stages.
(Different
formats
for
different
stages.)
Interest
Certificate,
Form
16A,
15G,
15H,
60,
Balance
Confirmation
Letters,
etc.

 Multiple
FD/
Passbook/
DD
Supported
Default
Narration User
Defined
Parameter Schemes

Pigmy
Interest
Commission Penalty
&
Penalty Methods

Parameters

TDS
NPA
Parameters Norms
&
Provision

Balance

Lending
Sheet
Slabs Structure
Period
wise
Interest

rates

Parameterization

Complete
Parameterization
:
Parameters

System
is
fully
parameterised
&
configurable
according
to
the
needs
of
the
bank.
Flexibility
has
been
provided
to
the
banks
to
design
schemes
of
choice
by
setting

various
scheme
parameters
like
scheme
name,
scheme,
GL
account
number,
interest

calculation
methods
etc.
Different
penalty
methods
for
the
recovery
of
the
interest
can
be
defined
by
the
User.



NPA
Norms
can
be
changed
by
the
user
when
the
norms
of
the
RBI
are
changed.
Balance
Sheet
Groups
according
to
the
user's
choice
can
be
changed
in
CUSTODIAN.
Calculation
of
period
wise
Interest
rates
is
possible.
The
slabs
of
lending
the
amount
of
loan
to
the
customer
can
be
decided
by
bank.
The
limit
of
the
interest
earned
by
the
customer
and
the
tax
percentage
can
be

customized
by
the
bank.
New
narrations
can
be
stated
by
the
user
and
can
be
used
later
as
default.
Multiple
FD/DD/Passbook
Formats
are
available
in
CUSTODIAN.
Pigmy
commission
and
penalty
structure
can
be
changed
by
the
user.
 MIS

Reports Regulatory
Reports
•
Asset
Liability
Management
•
Balance
Sheet

•
Amount
wise
analysis
of
Deposits
&
Loans •
Profit
&
Loss

•
Period
wise
analysis
of
Deposits
&
Loans •
Liquidity
Maintenance

•
Period
wise
analysis
of
overdues

•
CRAR`s
calculation

•
Interest
rate
wise
analysis
of
Deposits
&

•
Offsite
Surveillance
Reports

Loans •
Form
IX

•
Purpose
wise
analysis
of
Loans

•
Monetary
Aggregates

•
Security
wise
analysis
of
Loans

•
NPA`s

•
Sector
wise

analysis
of
Loans

•
Statement
of
Exposure
•
Budget
Monitoring

•
CTR
/
NTR
Reporting
•
Comparative
Statement
of
Positions

•
Constitution
wise
analysis
of
Deposits
&
•
Asset
-
Liability
Management
•
And
many
more...
Loans
•
And
many
more...

Reports
Sangli:
Rahul Complex, Opp. Tata Petrol Pump,
Guest House, Vishrambag, Sangli -416415
Phone: (0233) 2303221, 2304306
email: bankingsales.listspl@gmail.com
URL: www.listspl.co.in

Kolhapur:
F-2, Business House,
E-652, Shahupuri, 2nd Lane,
Opp. Hari Prasad Mangal Karyalay,
Kolhapur- 416 012.
Phone: (0231) 2669164 / 65 / 66.