₹1,127+ Crores
in deposits managed on TrustBankCBS
26 branches
across Western Maharashtra, plus 1 branch in Belgaum, Karnataka
6-month
implementation timeframe for complete migration
10+ integrated solutions
on a single, unified platform
Situation Overview
Pune Peoples Co-Operative Bank Ltd. (PPCBL) is a multistate co-operative bank operating across Maharashtra and Karnataka, with a fast-growing deposit base and a 25+ branch network. As the bank scaled, its existing IT systems could not keep pace — creating friction across daily operations, customer service, and regulatory reporting. PPCBL set out to replace its legacy core banking system with a future-ready platform capable of supporting its next phase of growth.
Testimonial from Bank Leadership
Challenges
PPCBL had digitised its operations early on, but its legacy IT environment fell short as the bank grew:
Limited functional depth, requiring workarounds and third-party systems to fill product gaps
Unoptimized processes that slowed down day-to-day branch operations
Duplication of work across systems and departments
Heavy manual intervention in statutory reporting and IT operations, increasing compliance risk and operational overhead
Solution Provided
After evaluating multiple CBS providers, PPCBL selected TrustBankCBS for a complete, turnkey core banking transformation. TFL’s implementation covered the full solution lifecycle — hardware and system assessment, requirements study and blueprint documentation, customisation and parameterisation, legacy data migration, UAT, user training, go-live support, and ongoing technical support.
The engagement delivered a unified TrustBankCBS solution stack, including
- Retail Banking, Deposits & Loans Management — a single platform replacing fragmented third-party systems, with an automated Charges Engine and value-date-based interest processing to prevent revenue leakage
- Mobile Banking & M-Passbook — 24×7 self-service banking including inter-bank and intra-bank transactions, and utility bill payments via linked CASA accounts
- C-KYC & Credit Bureau Integration
- ATM, POS, E-com & Mobile Wallet support
- RTGS/NEFT/NACH, IMPS, and Clearing (Cheque Truncation System, ECS)
- Anti-Money Laundering (AML) — pre-configured RBI-mandated alerts, fully integrated with branch operations for real-time, drill-down investigation without third-party ETL or data warehousing
- GST Compliance (SoftGST) and Statutory Compliance Reporting (OSS, ALM, Audit Reports)
- HRMS & Payroll
- Embedded Business Intelligence — pre-configured dashboards for the co-operative banking segment, enabling forecasting on NPA, deposit patterns, profitability, and staff performance — with no separate investment in BI tools or consulting
One unified platform
Business Impact
- Unified operations
A single platform consolidated banking, compliance, and analytics — eliminating duplicate systems and manual workarounds
- Stronger compliance posture:
- Improved financial control
- Data-driven decision-making
- Enhanced customer experience
- On-time delivery
Conclusion
PPCBL’s transformation demonstrates how a unified, parameterised core banking platform can help a growing co-operative bank move from fragmented, manual operations to a fully integrated, compliance-ready, and data-driven institution. With TrustBankCBS, PPCBL gained not just a core banking system, but a long-term technology partner equipped to support its continued expansion across Maharashtra and Karnataka.
