TrustBankCBS
105+ branches
across Chandrapur district
₹18.5+ Billion
in Assets under management
35%+
of total bank revenue from consumer and corporate lending
On TrustBank since 1999
a 25+ year technology partnership, upgraded to browser-based Core Banking in 2009
Situation Overview
The Chandrapur District Central Co-operative Bank (CDCC) is primarily focused on agricultural financing and the delivery of Government of India social benefit schemes to farmers and rural communities, while also serving a growing consumer and corporate lending portfolio. As a long-standing TrustBank partner since 1999, CDCC has continuously modernised its IT systems to keep pace with evolving technology, modern banking trends, and the changing needs of its rural and semi-urban customer base.
Testimonial from Bank Leadership
Challenges
As a government-controlled agricultural bank, CDCC faced a distinct set of operational and regulatory demands:
Complex agricultural lending workflows
Credit needed to be extended to farmers based on land size, crop type, and harvest cycles, with loans serviced through Primary Agricultural Societies (PACS) — requiring specialised tracking of receivables, loan ageing, recovery, and interest subvention
Government scheme delivery at scale
As new Social Subsidy and Insurance Schemes were launched, CDCC needed to deliver these directly to farmers and rural populations without manual intervention.
Ever-changing statutory requirements
Consistent, timely compliance reporting to NABARD, RBI, FIU, and the Co-operative Department demanded a system that could adapt quickly to evolving business rules
Legacy infrastructure
Having started on TrustBank's Branch Automation version in 1999, CDCC needed a structured, low-risk path to modern, browser-based, omni-channel banking
CDCC needed a long-term technology partner — not just a vendor — capable of evolving the platform over decades as its needs and regulatory expectations changed.
Solution Provided
CDCC transitioned from TrustBank’s Branch Automation version (implemented in 1999) to the fully browser-based TrustBankCBS platform in 2009, unifying operations and paving the way for continuous modernisation over the following years. Trust Fintech gradually expanded the solution stack to support new products, delivery channels, and statutory requirements as they emerged.
Key components of the implementation include:
- Retail Banking, Loans, Deposits & Financial Accounting
- Micro Finance Group Lending — automated SHG (Self-Help Group) and JLG (Joint Liability Group) lending, servicing, and repayments through a network of agents and field officers
- Agricultural Loan Products & Kisan Credit Cards (KCC) — automated agricultural loan schemes, approvals, security documentation, disbursement, and recovery through PACS, with customised mirror accounting for PACS receivables and agricultural loan ledgers, plus complete interest subvention support
- Government of India Social Benefit Schemes (APBS, DBTL, PMJJY, PMSBY, APY, PFMS) — enabling direct, manual-intervention-free payment delivery from the Government treasury into customer accounts
- C-KYC and Credit Bureau Integration
- ATM, POS, E-com & Mobile Wallet, RTGS/NEFT, NACH, and Clearing (Cheque Truncation System, Mandates Clearing System/ECS)
- Mobile Banking App, IMPS Integration, and M-Passbook
- MicroATM and Agency Banking — extending banking access into rural areas
- Statutory Compliance Reporting (OSS, ALM, Audit Reports) — powered by an embedded Reports Configurator that maps data buckets to statutory formats, enabling CDCC’s IT team to adapt to changing reporting rules without delay
- End-to-End GST Compliance — covering service charge invoicing, GSTR-1 and GSTR-3B returns, expenditure and purchase invoice recording, GSTR-2A reconciliation, and ITC determination, with Trust Fintech acting as a GST Suvidha Provider (GSP)
- AML Alerts Module, 4-Way Reconciliation, HRM & Payroll, and Business Intelligence
Trust Fintech’s services extended beyond software to include Datacenter and DR Center commissioning and maintenance, infrastructure facility management, software customisation and new solution development, and facility management for E-lobbies (ATMs, kiosks, and cash recyclers).
One unified platform
Business Impact
- Consistent regulatory compliance
CDCC has consistently met statutory reporting deadlines to NABARD, RBI, FIU, and the Co-operative Department, even as reporting rules evolved
- Seamless government scheme delivery
Social subsidy and insurance scheme payments reached farmers and rural populations directly, without manual processing
- Streamlined agricultural lending
Automated PACS-based loan servicing, mirror accounting, and interest subvention reduced administrative complexity for the bank’s core agricultural lending business
- Extended rural reach
MicroATM and Agency Banking brought banking access closer to farmers and rural communities
- Future-proof, scalable platform
Bank leadership expressed confidence in the system’s ability to handle increasingly complex banking and regulatory reporting demands going forward
- Long-term partnership value
A 25+ year technology relationship has allowed CDCC to continuously modernise without disruptive platform changes
Conclusion
CDCC’s journey — from a 1999 Branch Automation deployment to a modern, browser-based, omni-channel banking platform — reflects the value of a long-term technology partnership built on continuous evolution rather than one-time implementation. With TrustBankCBS, Chandrapur District Central Co-operative Bank has strengthened its role as a trusted financial partner for farmers and rural communities, backed by a platform its own leadership describes as future-proof and scalable.
