CLiQBank Software

CLiQBank Software is a comprehensive, user-friendly banking solution designed to streamline operations with its fully menu-driven interface. It offers multi-user access, secure data management, and integration with various banking devices like ATMs and printers. With modules for savings, loans, deposits, general ledger, and more, the software ensures efficient account management, transaction processing, and reporting. Its advanced security features, including password management and audit trails, guarantee safe and reliable banking operations

Main Features of CLiQBank Software

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Fully menu-driven & user-friendly system

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Online context-sensitive help

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Multi-user online system

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Data import/export facility

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Developed using the most powerful, secure, and popular database, Oracle 21C

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Supporting operating systems like Windows, Windows Server and Linux

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Internal backup/restore facility

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Windows-based fully menu-driven interface

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Unique customer number for fast account opening

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Regional language support

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Interface with digital cameras, passbook printers, pigmy machines, and ATMs, integrate latest networking devices, manage device clouds, etc.

SAVINGS MODULE

Master Information

  • Account Head, Account Name, Address, Phone No., Occupation, Business Type, Status (Individual / Firm / Joint / Company / Society), Minor, Signature / Thumb Impression, Photograph, and other details.
  • Nominee Details, Minor, Relationship with Account Holder, Guardian, and Other General Information.
  • Account Opening Date.
  • Introduced by Account No.
  • Operating Instructions.
  • Standing Instructions.
  • Cheque Book Issued.
  • Stop Payment Instructions.
  • Closing Date.
  • Nominee.

Transactions

  • Cash Deposit / Withdrawals.
  • Credit / Debit Transfer Entry.
  • Cheque Realized / Returned (Bounced).
  • Cheque Book Issue.
  • Stop Payment Instruction Record / Cancel.
  • Account Freeze / Defreeze.
  • Account Closing.

Processing

  • Interest Calculations and Posting.
  • Service Charges Posting.
  • Cheque Return Charges Posting.
  • Inoperative Account Monitoring; Transfer to Dormant Accounts.

Processing Reports

  • Customer Ledger.
  • Identification of Demand Liabilities and Time Liabilities.
  • Subsidiaries.
  • Monthly Balances List.
  • Cheque Book Issue Register.
  • Stop Payment Register.
  • List of Accounts with Abnormal Balances.
  • Accounts Opened and Accounts Closed.
  • Service Charges Posted Register.
  • Standing Instruction Executed / Unexecuted Register.
  • Balance Certificate Printing.
  • Interest Certificate Printing.
  • List of Minors Turning Major.

CURRENT ACCOUNT MODULE

Master Information

  • Account Head, Account Name, Address, Phone Nos., Occupation, Business Type, Status (Individual / Firm / Joint / Company / Society).
  • Signature and other details.
  • Introduced by Account No.
  • Account Opening Date.
  • Operating Instructions.
  • Standing Instructions.
  • Cheque Book Nos. Issued.
  • Stop Payment Instructions.
  • Account Due Date / Closing Date.

Transactions

  • Account Opening.
  • Cash Deposit / Withdrawals.
  • Credit / Debit Transfer Entry.
  • Cheque Realized / Returned (Bounced).
  • Cheque Book Issue.
  • Stop Payment Instruction Record / Cancel.
  • Account Freeze / Defreeze.
  • Account Closing.
  • Overdraft Amount Validation.

Processing

  • O.D. Interest Calculations and Posting.
  • Service Charges Posting.
  • Cheque Return Charges Posting.
  • Inoperative Accounts Monitoring; Transfer to Dormant Accounts.

Reports

  • Customer Ledger.
  • Subsidiaries.
  • Monthly Balances List.
  • Cheque Book Issue Register.
  • Stop Payment Register.
  • List of Accounts with Abnormal Balances.
  • Accounts Opened and Accounts Closed Register.
  • Service Charges Posted Register.
  • Standing Instruction Executed / Unexecuted Register.
  • Balance Certificate Printing.
  • Interest Certificate Printing.

LOANS AND ADVANCES MODULE

Master Information

  • Account Head, Account Name, Address, Phone Numbers, Occupation, Business Type, Status (Individual, Firm, Joint, Company, Society)
  • Member / Nominal Member, Director / Related to Director, Signatures, Photograph, etc.
  • Sanctioned Loan Amount, Disbursement Schedule (Dates and Amounts)
  • Installment Amount, Installment Start Date, Account Opening Date, Account Due Date
  • Margin Money, Margin Percentage, Security Details (Mortgage, Gold Weight, Purity, Article Numbers)
  • Purpose Information, Priority Sector (SSI/Cottage, etc.), Weaker Section (Caste)
  • Authorization Loan Passing, Operating Instructions, Standing Instructions, Cheque Book Numbers Issued, Stop Payment Instructions
  • Period/Amount Slab Wise Variable Interest Rates

Transactions

  • Accounts Opening, Loan Disbursement, Cash Deposits, Credit/Debit Transfer Entries
  • Cheques Realized / Returned (Bounced), Cheque Book Issue, Stop Payment Instructions Record / Cancel
  • Accounts Freeze / Defreeze, Accounts Closing, Account Renewal

Processing

  • Interest Calculations and Posting, Penal Interest Calculations, Cheque Return Charges Posting
  • Insurance Expiry

Reports

  • Customer Ledger, Subsidiaries, Monthly Balances List, Cheque Book Issue Register
  • Stop Payment Register, List of Accounts with Abnormal Balances, Accounts Opened and Closed Register
  • Interest Posted Register, Interest Reminders, Insurance Lapsing Report
  • RBI Reports (Amount/Priority/Weaker/ Health/Authorization/ Purpose/Security/Director)
  • List of Overdue Accounts (Director Wise), List of Over Limit Accounts
  • Pending Installments List, Reminders, Notices
  • Balance Certificate Printing, Interest Certificate Printing
  • Defaulter List (Director Wise), Guarantor List, Guarantor Loan List
  • Dealer and RTO Letters
  • Loan Classification (Amount Wise, Interest Rate Wise)
  • Notices to Defaulters and Guarantors

SMALL SAVING DEPOSIT MODULE

Master Information

  • Account Head, Account Name, Address, Phone Numbers, Occupation, Business Type, Status (Individual/Joint/ Company/Society)
  • Member / Nominal Member, Signatures, Photograph, etc.
  • Nominee Details, Minor, Relationship with Account Holder, Guardian, and Other General Information
  • Lien Information, Operating Instructions, Agent Information

Transactions

  • Customer Account Opening, Renewal of SSD, Rollover
  • Repayment of Loan through SSD, Premature Closing of SSD, Account Closing on Maturity
  • Daily Entry of Agent’s Collection, Weekly/Fortnightly/ Periodic Transfer of Agent’s Collection to Customer Accounts

Processing

  • Interest Calculations, Commission Calculations
  • Transfer of Installments/Amounts to Loan Accounts, Agent Commission Transfer

Reports

  • Customer Ledger, Accounts Opening & Closing Register
  • Agent-wise Customer Report, Interest Posted Register
  • Service Charge Register, Agent Commission Collection Report (Weekly, Monthly)

GENERAL LEDGER MODULE

Master Information

  • Accounts Opening with Automatic/Manual Account Numbering
  • Interest Posting and Provisions Accounts Entry
  • Interest Posting Period Entry
  • Service Charge Amount and Accounts for Posting

Reports

  • Customer Ledger, Accounts Opening & Closing Register
  • Agent-wise Customer Report, Interest Posted Register
  • Service Charge Register, Agent Commission Collection Report (Weekly, Monthly)

DEPOSIT MODULE

Master Information

  • Account Head, Account Name, Address, Phone Nos., Occupation, Business Type, Status (Individual / Firm / Joint / Company / Society)
  • Minor, Signature/Thumb Impression, Photograph, and Other Details
  • Nominee Details, Minor, Relationship with Account Holder, Guardian, and General Information
  • Account Opening Date, As of Date, Maturity Amount Chart
  • Account Due Date/Closing Date
  • Lien Information
  • Pension, Dam Dupatta, etc. Schemes

Transactions

  • Account Opening
  • Renewal of Fixed Deposit (FD), Roll Over
  • Periodic Interest Payments
  • Repayment by Installments
  • Premature Closure of Account
  • Closure of FD on Maturity

Processing

  • Interest Calculations and Posting for Long-Term FDs
  • Tax Deductions
  • Recurring Deposits
  • Re-investment Deposits

Reports

  • Customer Ledger
  • Identification of Demand Liabilities and Time Liabilities
  • Subsidiaries
  • Balances List
  • Renewal Notices
  • Account Opened and Account Closed Register
  • Tax Deduction Certificates
  • Certificate Printing
  • Interest Certificate Printing
  • FD Maturity Report
  • Deposit Classification – Amount Wise, Period Wise, Interest Wise
  • Graphical Reports of Deposits Collected and Interest Paid (Slab Wise, Schemes Wise, Month Wise)

CLEARING MODULE

Master Information

  • Clearing Members and Sub-Members Details
  • Inward / Outward Clearing Instruments Entry
  • Clearing Strips
  • Clearing House, Account Position Statement
  • Inward Clearing Honored / Returned / Pending
  • Clearing Registers

SHARE MODULE

Master Information

  • Share Allotments
  • Additional Share Allotments
  • Share Transfer / Refund
  • Dividend Payment

Processing

  • Dividend Calculations

Reports

  • I-form Register
  • J-form Register
  • Share Ledger
  • Dividend Register
  • Dividend Warrants Printing
  • Unpaid Dividends List
  • Local Script (Marathi) Support
  • Members List / Labels – Alphabetical, Share Number Wise, Branch Wise, Voters List

SPECIAL FEATURES

Signature scanning with provision to store photographs and thumb impressions
Maturity Amount Reports for easy tracking
Internal Backup system for data security
User-friendly menus and screens for easy navigation
Online FD, Cash Receipt, and Share Certificate Printing
Training for existing staff with assistance from the project leader for smooth online transaction handling
Locker Module for secure storage management
Reconciliation tools for balancing records
Liability Card for tracking liabilities
Shift-wise report facility for operational oversight
Notices and Correspondence in Marathi for regional language support
Entry Level Validation for improved accuracy in transactions
Functional and terminal-wise operations management
Pending Installments tracking
Single screen operation for managing all accounts
Till Date Interest Status for accurate financial tracking
Chairman Dashboard Overview
Online Entry Level Validation to ensure accuracy
Comprehensive Overdue and NPA Analysis and Classifications
Liquidity Module for managing liquidity effectively
Balance Sheet Consolidation for overall financial health
Powerful search utilities for quick data access
Investment Register for tracking investments
Supervisor approval for all operations to ensure security
Comprehensive Audit Trail for each entry in master data and transactions
Time and period-based data locking for secure information handling
SYSTEM AND DATA SECURITY
 

  • Password Management

    • Six levels of passwords provided: Operator, Supervisor, Manager, Director, Administrator, and Customer.
    • A super password supersedes all other passwords for administrative control.
    • Only users with valid passwords can access the system.

  • Access Control

    • Counter-Based Locking: Operators can be restricted to work on a specific counter.
    • Function-Based Locking: Operators and Supervisors can be granted access to specific account types (e.g., Hypothecation, Cash Credit).
    • ID Level-Based Locking:
      • Operators can enter transactions and master data but cannot add/edit/delete General Ledger accounts.
      • Supervisors can validate data entered by operators and edit only validated data.
      • Managers and Directors can access reports but cannot modify data.
      • Customers can view specific reports only.
    • Date-Based Locking: After the day-end process, no additions, edits, or deletions are allowed for transactions on that date.
    • Amount-Based Locking: Operators and Supervisors can be assigned access limits based on specific monetary thresholds.

  • Audit Trail

    • Changes to validated data are logged with Operator and Supervisor IDs.
    • All transactions are recorded with Date, Time, Operator ID, and Supervisor ID for complete traceability.

  • Power Failure Recovery

    • The software includes robust recovery procedures to handle data corruption caused by power outages.
 
 
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