4 branches
across Howrah, West Bengal
3 months
record implementation timeframe from data migration to go-live
4 major Credit Bureaus
integrated (CIBIL and others)
13+ solutions and interfaces
unified on a single platform
Situation Overview
The Bantra Urban Co-Operative Bank Ltd. (BUCBL) is an ISO 9001:2008-certified banking organisation operating four branches across semi-urban and rural areas of Howrah, West Bengal, with a strong deposit portfolio. Committed to offering customers modern, technology-driven banking, BUCBL set out to replace its limited legacy system with a comprehensive Core Banking Software that could support both regulatory compliance and digital-first customer service.
Testimonial from Bank Leadership
Challenges
BUCBL had been relying on a local vendor for its Core Banking Software, but the system fell short of the bank’s ambitions:
Limited functionality
The existing CBS supported little beyond regular accounting transactions
Fragmented customer servicing
Without integrated digital channels, the bank had limited ability to offer modern, anywhere-banking services to its customers
No statutory reporting capability
The system lacked reporting features for critical statutory requirements such as Offsite Surveillance (OSS), Asset Liability Management (ALM), and RBI audit statements
BUCBL needed a CBS partner that could deliver all applications and interfaces on a single, unified platform, backed by accurate and reliable reporting.
Solution Provided
After evaluating available CBS vendors, BUCBL selected TrustBankCBS, choosing Trust Fintech for its CMMI Level 5 certification and its promise of a fully unified platform with 100% accurate reporting. The complete solution stack was rolled out in a record 3-month timeframe, covering data migration from the bank’s legacy system, UAT, training, and go-live.
Key components of the implementation included:
- Retail Banking, Loans, Deposits & Financial Accounting — flexible configuration of new loan and deposit products, with a Charges Engine ensuring accurate, policy-compliant computation of charges and value-date-based interest calculation to reduce interest leakage
- Mobile Passbook (M-Passbook) — an Android app replacing conventional paper passbooks, giving customers 24/7 access to account information via OTP-based authentication, along with chequebook requests, ready reckoners, and bulletin board updates. The app also reduced BUCBL’s stationery, printing, and manpower costs.
- C-KYC — a fully digitised platform enabling fast, accurate KYC compliance with minimal rejections, and reconciliation of customer information against the Central KYC Registry
- Credit Bureau Integration — connectivity with all four major Credit Bureaus in India, enabling periodic submission of loan account information and on-demand credit rating checks for loan applicants
- ATM, POS, E-com & Mobile Wallet support
- RTGS/NEFT, NACH, and Clearing (Cheque Truncation System, Mandates Clearing System/ECS)
- Statutory Compliance Reporting (OSS, ALM, Audit Reports) and AML Alerts Module
- Agency Banking, GST Compliance, HRM & Payroll, and embedded Business Intelligence
TrustBankCBS also delivered a full services bouquet: system requirements study and blueprint documentation, master data management, customisation and parameterisation, legacy data migration, API integration and testing (including RTGS/NEFT, debit cards, POS, and e-commerce switches), UAT, user training, go-live support, and post-go-live technical support and help desk.
One unified platform
Business Impact
- Unified, accurate operations
A single platform replaced fragmented legacy systems, delivering the 100% accurate reporting BUCBL had sought
- Stronger regulatory compliance
Statutory reports (OSS, ALM, RBI audit statements) became available directly from the system — a capability the bank previously lacked entirely
- Improved customer experience
M-Passbook gave customers round-the-clock access to their accounts, while multi-channel service delivery improved satisfaction and retention
- Reduced operational costs
Lower stationery, printing, and manpower costs from digitising passbook services
- Reliable, fast KYC and credit checks
Digitised C-KYC and 4-bureau credit integration enabled BUCBL to lend with confidence, backed by genuine, verified customer credentials
- Higher charges income
Automated, policy-compliant charge computation and surveillance on waived charges improved revenue capture
Conclusion
BUCBL’s transformation shows how even a compact, four-branch co-operative bank can deliver enterprise-grade digital banking when backed by the right unified platform. With TrustBankCBS, BUCBL moved from a limited, accounting-only legacy system to a fully integrated, compliant, and customer-friendly banking environment — proving that scale isn’t a prerequisite for modern, reliable banking technology.
