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Core Aspects

Ten specialised modules and services that power every dimension of co-operative society operations.

CREDITLive goes beyond core banking each of these ten specialised modules addresses a distinct operational need of modern co-operative societies, from field collection to legal compliance.

01 Locker Manager 02 Passbook Printing 03 Daily Deposit Agent Application 04 KYC Module 05 Vasulat Patrak Recovery Register 06 Customised Commission Manager 07 Society Registration Procedure 08 Forms Sample Library 09 General Rules & Peta Niyam 10 Online Banking Integration
Locker Manager secure client locker management
01
Security Module

Locker Manager

Security Module

Locker Manager

CREDITLive's Locker Manager provides a dedicated end-to-end solution for managing client locker accounts. Society staff can configure locker sizes, assign lockers to members, manage key numbers, and handle renewals all from a centralised dashboard. Members benefit from a clean interface to independently track their locker status, and joint locker operations are fully supported. Every locker activity is captured with photo signature verification for enhanced security.

  • Configuration of locker sizes and rent amounts
  • Key number tracking and assignment to members
  • Support for single and joint locker operations
  • Locker assignment, renewal and cancellation management
  • Photo signature verification for enhanced security
  • Region-specific availability controls
  • Full audit history per locker with timestamped trail
  • Client-facing locker access and status interface
Passbook Printing quality transaction printing
02
Printing Module

Passbook Printing

Printing Module

Passbook Printing

CREDITLive's Passbook Printing module delivers a quality-led solution that prints every transaction in a member's account accurately and on demand. Staff can configure the layout, columns, fonts, and page settings to match any pre-printed passbook format in use at the society. The module handles auto-alignment, page breaks, and continuation entries automatically, eliminating formatting errors that occur with manual printing.

  • Prints all account transactions to the member's passbook
  • Configurable layout, columns, and font settings
  • Supports pre-printed passbook formats of any society
  • Auto-alignment and automatic page-break management
  • Compatible with all standard passbook printers
  • Continuation entry handling across pages
  • On-demand reprint for any date range
  • Settings saved per society for consistent output
Daily Deposit Agent Application field collection
03
Field Operations

Daily Deposit Agent Application

Field Operations

Daily Deposit Agent Application

Purpose-built for field agents who collect daily deposits from account holders at their doorstep. The application allows agents to manage their entire collection cycle from portfolio assignments to on-the-spot digital receipt generation and end-of-day reconciliation without a single paper register. Collections are synced back to the central system in real time, giving managers live visibility of field performance.

  • Agent portfolio assignment and daily route management
  • Door-step digital receipt generation on the spot
  • Daily collection summary per agent
  • End-of-day reconciliation with central system
  • Real-time sync of collections to head office
  • Offline-capable for low-connectivity areas
  • Commission tracking per agent per collection
  • Management dashboard for field performance visibility
KYC Module member identity verification and compliance
04
Compliance

KYC Module

Compliance

KYC Module

CREDITLive's KYC Module provides a comprehensive Know Your Customer system that captures, stores, and periodically updates detailed member identity information in compliance with RBI and state co-operative regulations. The module supports new KYC submission, document upload, periodic renewal alerts, and removal of outdated records keeping every member profile audit-ready at all times and preventing misuse of society banking services.

  • New KYC submission with full document upload
  • Photo and signature capture and storage per member
  • Generation and printing of KYC forms
  • Periodic KYC renewal alerts for upcoming expiries
  • Update and modification of existing KYC records
  • Removal and archival of outdated KYC records
  • Regulatory audit-ready member profile view
  • Search and filter members by KYC status
Vasulat Patrak recovery register for employee credit societies
05
Employee Societies

Vasulat Patrak Recovery Register

Employee Societies

Vasulat Patrak Recovery Register

Vasulat Patrak is a specialised annual recovery register generated specifically for Employee Credit Societies. Every loan instalment and daily deposit obligation for each employee-member is recorded, tracked, and reconciled in one structured register. The system auto-calculates outstanding amounts, accounts for partial payments, and generates the register in the standard format accepted by employee co-operative societies across India.

  • Annual instalment tracking per employee-member
  • Loan repayment schedule with due date tracking
  • Daily deposit obligation recording and monitoring
  • Auto-calculation of outstanding and overdue amounts
  • Partial payment handling and balance carry-forward
  • Salary deduction integration for employee societies
  • Printable register in standard format for submission
  • Year-wise archive for historical comparison
Commission Manager flexible agent commission configuration
06
Agent Management

Customised Commission Manager

Agent Management

Customised Commission Manager

The Customised Commission Manager gives societies flexible control over how agents and intermediaries are compensated. Administrators can define fixed or percentage-based commission rates per agent or per product category, and modify them on demand without any system downtime. Commission calculations are automated, payout reports are generated in detail, and every change is tracked in a tamper-proof audit trail.

  • Fixed amount and percentage-based commission structures
  • Per-agent and per-product category rate configuration
  • Real-time commission rate adjustment without downtime
  • Automated commission calculation on each transaction
  • Commission payout summary and detailed reports
  • Agent-wise commission history and ledger
  • Tamper-proof audit trail for all rate changes
  • Integration with agent collection and loan modules
Society Registration Procedure end-to-end co-operative society registration support
07
Legal & Setup

Society Registration Procedure

Legal & Setup

Society Registration Procedure

EsJay IT Solutions provides end-to-end guided support for registering a new co-operative credit society in eligible regions of India. Our team handles the entire registration lifecycle from collecting and verifying required documents and processing membership fees to preparing the complete registration file and coordinating with the registrar through to the issuance of the official registration certificate.

  • Eligibility assessment and region-specific guidance
  • Document collection, verification, and preparation
  • Membership fee collection and processing
  • Preparation of the complete registration file
  • Liaison with the state co-operative registrar
  • Coordination through to registration certificate issuance
  • Post-registration compliance guidance
  • Guidance on initial bylaws and operational setup
Forms Sample Library downloadable standard society forms
08
Downloads & Forms

Forms Sample Library

Downloads & Forms

Forms Sample Library

A secure, login-protected library of all standard co-operative society forms maintained by EsJay IT Solutions. Members and staff can download, fill, and submit standard forms instantly including loan applications, FD interest certificates, loan NOCs, training enrolment forms, and member registration forms. The library is regularly updated to reflect the latest regulatory requirements.

  • Loan application forms (all loan types)
  • Loan NOC and closure request forms
  • Fixed deposit and recurring deposit forms
  • FD and loan interest certificate templates
  • Member registration and membership forms
  • Training enrolment and attendance forms
  • Society nomination and will forms
  • Secure login-protected download access
General Rules & Peta Niyam co-operative society governance and bylaw guidance
09
Governance

General Rules & Peta Niyam

Governance

General Rules & Peta Niyam

EsJay IT provides comprehensive guidance on the foundational rules and bylaws (Peta Niyam) governing co-operative credit societies covering maximum lending limits, member obligations, dividend policies, and operational procedures. When regulatory changes require bylaw amendments, our team also guides societies through the formal Peta Niyam Sudharana (bylaw amendment) process from filing to approval.

  • Society foundational rules and governance guidelines
  • Maximum lending limit and interest rate guidance
  • Member rights, obligations and exit procedures
  • Dividend declaration and distribution policy guidance
  • Bylaw documentation, reference and maintenance
  • Peta Niyam Sudharana (bylaw amendment) procedure
  • Filing assistance with state co-operative registrar
  • Regulatory compliance advisory and updates
Online Banking Integration member net banking and mobile banking access
10
Digital Banking

Online Banking Integration

Digital Banking

Online Banking Integration

CREDITLive connects member accounts to net banking and mobile banking channels, enabling members to access their society accounts digitally anytime, anywhere. Members can check account balances, view full transaction history, download account statements, and receive real-time SMS alerts for every transaction. The mobile application supports iOS and Android and is designed for ease of use even for first-time smartphone users.

  • Net banking access for all member account types
  • Mobile application for iOS and Android
  • Real-time account balance check
  • Full transaction history view
  • Account statement download in PDF format
  • Real-time SMS alerts for every transaction
  • Secure login with OTP-based authentication
  • Reduces branch footfall and manual workload

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