TrustBankCBS
11 branches
across the industrial and commercial suburbs of Navi Mumbai
In-premise Datacentre
commissioned along with a fully connected Branches WAN
10 modules
implemented in a phased rollout, from KYC to Business Intelligence
100% data migration
from a fragmented, file-based legacy system to a unified CBS database
Situation Overview
Parijat Credit Co-operative Society Ltd. (PCCS) is a leading Credit Co-operative Society in Navi Mumbai, operating through an extensive network of 11 branches across the city’s industrial and commercial suburbs. PCCS’s core mission is distinctive: lending to small businesses in the unorganised sector and delivering doorstep, personalised banking to underprivileged individual customers — the kind of customers larger banks typically don’t reach.
Testimonial from Bank Leadership
Challenges
PCCS had been running on a genuinely outdated technology foundation, one that had become a serious constraint on growth
DOS-based, decentralised software
The existing banking system ran on isolated branch installations with no RDBMS, and no unified database
Fragile support model
The software was developed and maintained by a small group of freelancers, with broken support and no future technology roadmap
Inability to launch new products
The legacy platform's limitations directly prevented PCCS from introducing new products and services to its customers
No centralised oversight
Senior management and the corporate office had no centralised reporting or control over branch-level operations
PCCS needed not just a new core banking system, but a complete infrastructure and data foundation rebuild — one capable of supporting its unique, high-touch, doorstep banking model.
Solution Provided
To lead this transformation, PCCS appointed an experienced consultant with a strong background in bank management and IT systems transformation. Following due diligence on bid responses, product demonstrations, and customer site visits, PCCS selected TrustBankCBS for implementation across all branches and its corporate office.
Infrastructure build-out: For Core Banking implementation, PCCS chose to commission its own captive Datacentre. Trust Fintech recommended optimised server specifications to ensure maximum performance with minimal infrastructure cost, and commissioned both the Datacentre and a VPN-based Branches WAN — including installation of routers, firewalls, and UTM at all branches and the Datacentre.
Data migration and cleansing: Since the legacy system’s data was incomplete, fragmented, and inconsistently structured across branches, Trust Fintech’s data migration team built custom scripts to extract and transform data from these disparate sources. Working alongside PCCS’s IT team, they built a complete, clean, and uniform CBS database from all branch operations — a foundational step most CBS migrations don’t require to this degree.
Modules implemented (in a phased rollout):
- Know Your Customer (KYC)
- Retail Banking
- Loans Management
- Deposits Management
- General Ledger & Financial Accounting
- Agency Banking
- RTGS/NEFT
- Mobile Passbook
- HRM & Payroll
- Business Intelligence
Anywhere and Anytime Banking: TrustBankCBS activated all branch banking services for all customers, regardless of their host branch. A centralised KYC function gave PCCS the ability to uniquely identify each customer with a single ID, usable across all branches.
Agency Banking: This delivered cost-effective, real-time, doorstep, and personalised service — central to PCCS’s mission of reaching underprivileged customers. Instant SMS notifications for all on-field transactions, combined with a Mobile Passbook, gave customers transparency and confidence in transactions conducted through the Agent Network.
HRMS & Payroll: Fully integrated with single sign-on to TrustBankCBS, this module automates employee salary structures and auto-calculates salaries from attendance data. Configurable earnings, deduction heads, and profession tax rules were linked directly to a biometric attendance interface, with exhaustive MIS and statutory reporting built in.
One unified platform
Business Impact
- True any-where banking
Customers could transact at any branch regardless of where their account was originally opened
- Reliable, unified data foundation
A clean, consistent CBS database replaced years of fragmented, unvalidated legacy data
- Expanded doorstep service
Agency Banking extended PCCS’s core mission of reaching underserved, unorganised-sector customers with real-time, transparent field transactions.
- Modernised infrastructure
A captive Datacentre and secure branch WAN gave PCCS full ownership and control over its technology environment
- Automated HR operations
Biometric-linked payroll processing eliminated manual salary calculation and reporting efforts
- Restored innovation capacity
With a modern, supported platform, PCCS regained the ability to launch new products and services — something the legacy system had prevented.
Conclusion
PCCS’s transformation stands out even among core banking migrations for the scale of technical debt it overcame — moving from an unsupported, DOS-based, file-system architecture to a fully centralised, modern banking platform. With TrustBankCBS, Parijat Credit Co-operative Society didn’t just modernise its technology; it strengthened its ability to fulfil its distinctive mission of bringing personalised, doorstep banking to Navi Mumbai’s underserved small businesses and individual customers.
