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Credit Co-Operative Society Software

At Nidhisoftwarez, we provide cutting-edge software solutions tailored specifically for Credit Co-operative Societies, designed to streamline operations, enhance member engagement, and ensure seamless management of financial transactions. Our Credit Co-operative Society Software stands as the pinnacle of technological innovation, offering a comprehensive suite of features that empower co-operative societies to efficiently manage their day-to-day activities.

With a user-friendly interface and robust functionalities, our software caters to the diverse needs of credit co-operatives, enabling them to operate with precision and agility.

Software Modules

♦ Admin Control Panel
The Administrator application, also known as Admin Panel or Control Panel, is the interface where administrators and other site officials with appropriate privileges can manipulate the look of a Software. There are many tasks which can be done with the administrator interface.
♦ Branch Control Panel
From here, Branch Staff Perform there specific Action . Like Accounts Opening, Transaction, Loan Apply and Many More
♦ Customer Panel
A consumer panel is a group of individuals selected by a business or organization to provide input and opinion on products and services for research on consumer behavior. ... Individuals on consumer test panels may be chosen for a variety of reasons depending on the particular product.
♦ Staff Panel
Here You Can Manage Your Staff
♦ Membership Management

ENABLES CUSTOMER TO ENROLL AS MEMBER, NON-MEMBER, ASSOCIATE MEMBER AND NOMINAL MEMBER AND IT CONSISTS OF ENROLLMENT, MEMBER ASSETS AND LIABILITY DETAILS:

  • Member Profiles Queries (Share, Deposits and Loans of the member).
  • Photos & signatures of members are stores in data base are Accessible when ever required.
  • Closing of Membership.
  • Member Address lists.
  • Reports.
    • ♦ Team Deposit

    CONSISTS OF FD, RD, RICC, CASH CERTIFICATE, PIGMY AND THRIFTS DEPOSITS:

  • Account opening.
  • Deposit Receipt printing.
  • Interest calculation and posting.
  • Closing before maturity (Pre Closure).
  • Closing on maturity.
  • Transfer of Term Deposit Interest to SB, RD.
  • Deposits Renewals.
  • Reports
  • Deposit Maturity Report.
  • Interest Provisions.
    • ♦ Loan And Advance

    CONSISTS OF SURETY LOAN (UNSECURED), CROP LOAN, VEHICLE LOAN, GOLD LOAN, LOAN AGAINST DEPOSIT (LIKE, FD, RICC / CC) LOAN LEDGERS & VARIOUS TYPES OF REPORTS:

  • Loan sanctioning.
  • Loan disbursement.
  • Creation Loan Parameters by user.
  • Borrower and Surety Details.
  • Interest calculation and posting as per the loan schemes.
  • Interest Provisions for annual financial year.
  • Transfer entries from SB, Shares and Dividend are possible.
  • Loan repayment.
  • Loan Charges posting.
  • Loan closure.
  • Penalty Interest.
  • Loan Ledger view.
  • Loan Schedule for Different Amount, ROI, Periods.
  • Reports.
  • Loan Balance pass sheet.
  • Monthly Demand collection Balance report.
  • Overdue report.
  • NPA report.
    • ♦ Standing Information

    CARRYING OUT OF STANDING INSTRUCTION ON DAY-TO-DAY BASIS AND MONITORING OF STANDING INSTRUCTION, CANCELLATION, ETC:

  • Define Standing Instruction.
  • Processing and posting.
  • Status of Standing Instruction.
  • Reports.
    • ♦ Cash Transcation

    INTERNALLY UPDATING DAYBOOK ENTRIES LIKE RECEIPTS, PAYMENTS, AND TRANSFERS BETWEEN ACCOUNTS CAN BE UPDATED INTERNALLY THROUGH THE RESPECTIVE MODULES; DIRECT VOUCHER ENTRIES TO THE G/L ARE POSSIBLE:

  • Receipts and Payments.
    • Cashier Scroll.
  • Cash Register.
  • Bank reconciliation
    • ♦ Day book & Trial Balance

    IT INCLUDES SUBSIDIARY DAYBOOK; CASH TRANSFER IN RESPECT OF EACH ACCOUNT HEAD WITH ABSTRACT NO. OF VOUCHERS:

  • Day Book.
  • Trial Balance.
  • Subsidiary day book.
    • ♦ General Ledger & Financial Statements

    CONTAINS SUMMARY OF TRANSACTION IN EACH HEAD OF ACCOUNT FOR A GIVEN PERIOD AND IT ALWAYS TALLIES WITH BALANCE SHEET FIGURES:

  • Pass sheet printing.
  • General Ledger.
  • Receipt and Payment account.
  • Profit and Loss account.
  • Balance Sheet.
    • ♦ M.I.S

    ENABLES MANAGEMENT TO TAKE QUICKER AND EFFECTIVE ONLINE DECISIONS:

  • New Members enrolled.
  • Memberships closed.
  • New Shares issued.
  • Shares surrendered.
  • List of Members and Associate Members.
  • Dividend released.
  • Member/Non-Member profile.
  • Savings Bank Accounts opened.
  • Savings Bank Accounts closed.
  • Savings Bank Accounts list with details.
  • Account-wise interest paid on Savings Bank Deposits.
  • Term Deposits (FD,RD, Cash certificates) opened and closed.
  • Interest paid on Term Deposits.
  • Term Deposits due for maturity during any specified period.
  • RD Accounts with installment overdue.
  • Term Deposits renewed.
  • Loan Accounts opened.
  • Loan Accounts closed.
  • Interest collected on Loan Accounts.
  • Loan Installment overdue.
  • Balance Sheet.
  • Income and Expenditure.
  • Indirect liability of a member.
  • Cost of funds.
  • Yield on advances.
  • Customizable Reports.
  • Drill down facility.
  • Assets and liability of a member.
    • ♦ System Adminstration

    ADMINISTRATION OF ENTIRE COMPUTERIZED ENVIRONMENT INCLUDES USER MANAGEMENT. PASSWORD MANAGEMENT, DAY-END, DAY-BEGIN AND BACK-UP ACTIVITIES:

  • User creation.
  • Roll creation.
  • Day-End.
  • Day - Begin.
  • Back- up & restore.
  • Change of Password.

    • General Features

    Software Features Highlights

    Packed Full Of Powerful Features

    • Company → Head Office → Branch → CSP → Customer, All Module Included.
    • All Activities ( SB,DD,RD, FD, MIS, Loan) Management included as per Nidhi Rules.
    • All Report Available for Audit . CA can generate report accord to him for Audit.
    • Proper Accounting as per Rules.
    • All interest calculation according to Accounting standards and financial years wise. There is no any problems in Audit.
    • Online Customer panel like Net banking with Mobile Apps.
    • CSP (customer service points) Management Module Included.
    • All Loan document can be print in multi language like (English, Hindi, Tamil, Telugu).
    • Same Software you can use when you became as NBFC means no need to change software.
    • All Services Charges ( like SMS , Minimum Balance, penalty , etc...) Management with GST Compliances.
    • All loan Management with Overdue, Penalty, Collection charge, Legal charge, ETC....
    • NACH Mandate Management , PDC Management, NEFT - RTGS - IMPS Management Module Included.
    • SB Account Balance inquiry from Missed Call System.
    • SB,RD,Loan Account Balance inquiry With SMS (Long Code).
    • Mobile app for agent and customer
    • Multi-user Online web based with Multi Branch core Banking application
    • Extremely Functional and user friendly with user drivers operation.
    • Attractive and well said reports format.
    • Report export facility to various useful formats such as Ms Word. Ms excels. Customized and user defined reports.
    • Ace reports can be viewed on the screen and can be printed on printer.
    • Membership Management, Operational Accounts, Term Deposits.
    • Loans and Advances, Standing Instructions, Cash Transaction.
    • Day book and Trial Balance, General Ledger & Financial Statements.
    • M.I.S, Initialization and configuration.
    • System Administration, Enrollment Fee Report.
    • Application Fee Report, Late Fee Report.
    • State of the art technology has been used.
    • Modular design with proper integration to ensure trouble-free operations without undue complications.
    • Optimum security of operations which is very essential for financial transactions.
    • Comprehensiveness in coverage - a feature absolutely necessary to meet all requirements.
    • User-friendliness which ensures hassle free usage.
    • High flexibility with expandability and upgradability. The software can be used by all societies and can be easily upgraded/expanded to cover more activities whenever required.
    • Control over operations with in-built checks and balances, authorization procedures, etc.
    • Elimination of scope for tampering of data.
    • The system is designed to work for network environment to access the information & update the data by different users simultaneously.
    • Attractive and well said reports format.
    • Membership Management
    • Saving Account Management
    • Term Deposit
    • Loan and Advance Management
    • Transaction Management
    • Real Time Gross Settlement ( RTGS ) Management Module
    • Immediate Payment System (IMPS) Management Module
    • National Electronic Fund Transfer (NEFT) Management Module
    • National Automated Clearing House ( NACH ) Management Module
    • General Accounting and Financial Statements

    General Features

    • Company → Head Office → Branch → CSP → Customer, All Module Included.
    • All Activities ( SB,DD,RD, FD, MIS, Loan) Management included as per Nidhi Rules.
    • All Report Available for Audit . CA can generate report accord to him for Audit.
    • Proper Accounting as per Rules.
    • All interest calculation according to Accounting standards and financial years wise. There is no any problems in Audit.
    • Online Customer panel like Net banking with Mobile Apps.
    • CSP (customer service points) Management Module Included.
    • All Loan document can be print in multi language like (English, Hindi, Tamil, Telugu).
    • Same Software you can use when you became as NBFC means no need to change software.
    • All Services Charges ( like SMS , Minimum Balance, penalty , etc...) Management with GST Compliances.
    • All loan Management with Overdue, Penalty, Collection charge, Legal charge, ETC....
    • NACH Mandate Management , PDC Management, NEFT - RTGS - IMPS Management Module Included.
    • SB Account Balance inquiry from Missed Call System.
    • SB,RD,Loan Account Balance inquiry With SMS (Long Code).
    • Mobile app for agent and customer

    Software Features Highlights

    • Multi-user Online web based with Multi Branch core Banking application
    • Extremely Functional and user friendly with user drivers operation.
    • Attractive and well said reports format.
    • Report export facility to various useful formats such as Ms Word. Ms excels. Customized and user defined reports.
    • Ace reports can be viewed on the screen and can be printed on printer.
    • Membership Management, Operational Accounts, Term Deposits.
    • Loans and Advances, Standing Instructions, Cash Transaction.
    • Day book and Trial Balance, General Ledger & Financial Statements.
    • M.I.S, Initialization and configuration.
    • System Administration, Enrollment Fee Report.
    • Application Fee Report, Late Fee Report.
    • State of the art technology has been used.
    • Modular design with proper integration to ensure trouble-free operations without undue complications.
    • Optimum security of operations which is very essential for financial transactions.
    • Comprehensiveness in coverage - a feature absolutely necessary to meet all requirements.
    • User-friendliness which ensures hassle free usage.
    • High flexibility with expandability and upgradability. The software can be used by all societies and can be easily upgraded/expanded to cover more activities whenever required.
    • Control over operations with in-built checks and balances, authorization procedures, etc.
    • Elimination of scope for tampering of data.
    • The system is designed to work for network environment to access the information & update the data by different users simultaneously.
    • Attractive and well said reports format.

    Packed Full of Features

    • Membership Management
    • Saving Account Management
    • Term Deposit
    • Loan and Advance Management
    • Transaction Management
    • Real Time Gross Settlement ( RTGS ) Management Module
    • Immediate Payment System (IMPS) Management Module
    • National Electronic Fund Transfer (NEFT) Management Module
    • National Automated Clearing House ( NACH ) Management Module
    • General Accounting and Financial Statements
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