NBFC Application
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The Application covers the following areas:
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Credit Department
 Settlement Department
 Accounts Department
 Risk
Typical Trade Financing system framework
Process Layer
Input Layer

Output Layer
Finance Trade
Loan
Application Kit
Central Data
Repository
KYC &
Income dtls
Trading ID
Credit Appraisal
Sanctioned
Credit
Broker
Back Office
Depository
Participant
Third Party
Vendor
Trade
Details
Stock
Collateral
Corporate
Action Info
Credit
Disbursement
Accept/Reject
Client Trades
Trade
Settlement
Stock Holding
Movement
Accounting
Banks
Bank
Statement
Interest Calc
Books of Account
Stock
Exchange
Risk Management
Price &
Volume feeds
Data Interface Channel
Enterprise Business Technologies
Pvt. Ltd.
2
Portfolio Liquidation
Risk and RBI repots
Objective


The primary objective of the application is to
cover the back office process right from
Customer KYC and approval of limits to trade
processing and subsequent activities of
liquidation in risk.
The principle that flows through in the entire
chain of activities is to have a control on the
risk element in trade transactions
Enterprise Business Technologies
Pvt. Ltd.
3

The Risk factor is controlled at the following
stages:
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Detailed KYC and Client approval process
 Funding of poor quality of Trades
 Honoring un-qualified Fund/Security withdrawal.
 Delay in client’s net worth monitoring.
 Delay in corrective action/ recovery.
 Non detection of client’s abnormal operational behavior.
Enterprise Business Technologies
Pvt. Ltd.
4
Credit Appraisal
Multi level Credit Approval
Task Assignment to RMs
Sanction/Welcome Letter Generation
Auto Mail Alerts
Credit
Disbursement
Trade
Settlement
Accounting
Risk Management
Enterprise Business Technologies
Pvt. Ltd.
Trade Acceptance
Trade Rejection
Securities Payin/Payout
Funds Payin/Payout
DP Reconciliation
Shortage/Auction Marking
Corporate Action Handling
DP Slip (Physical/Soft copy)
Margin Receipt
Funds Withdrawal (Normal/FnO)
Tax Deducted At Source
Profit and Loss Statement
Portfolio Liquidation
Client Categorization
Scrip Categorization
House/Client Level Restrictions
5
Features
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Credit Department:
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Loan Request entry
Loan approval with help of multilevel approval hierarchy
After approval, customer creation for on-going transaction
Mailers to customer at various stage of loan activation
o
o
o
o
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Sanction letter
welcome letter
rejection letter
closure letter
Interest rate reduction letter
Interest rate increase letter
Daily EOD status mailers to customers and respective braches
Enterprise Business Technologies
Pvt. Ltd.
6
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Settlement Department:
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Scrip master update
Customer DP account maintenance
POA/ Pledge status update
Daily reconciliation of POA/pledge account
Trade process acceptance as per customer exposure
Slip generation at various stages in POA and pledge
o
o
o
o
o
o
Pay-in slip
Off-market transfer slip
Pledge confirmation slip
Pledge closure slip
Pledge invocation slip
Scrip withdrawal request creation and approval process
Enterprise Business Technologies
Pvt. Ltd.
7
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Accounts Department:
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Customer bank account maintenance
In case of trade transfer letters for bank as per bank format
o
o
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Pay-in letter
Pay-out letter
Amount withdrawal request and approval process
Interest calculation on daily basis
Interest posting as per agreement (Monthly/Qtrly/1/2-yearly/yearly)
Interest on interest or interest only on net loan choose facility per
client wise
Various bank letters as per transaction type
o
o
o
o
RTGS letter
NEFT letter
Transfer letter
Cheque printing
Enterprise Business Technologies
Pvt. Ltd.
8
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Risk Department:
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Category differentiation for scrip
Scrip valuation on basis of scrip category
Client category to decide max benefit
Liquidation process
o
o
o
o
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Liquidation of client in case of shortfall
Liquidation trade in pro-client’s account
Transfer of scrip/ pledge invocation as per liquidation quantity
Distribution of liquidated amount as per client liquidation after trade acceptance
Even though scrip category finalized allow to special privilege for
particular client with help of discount feature
House level restriction to restrict all client to more excess quantity
Client level restriction effective, which will decide quantity to be part
of net value calculation
Enterprise Business Technologies
Pvt. Ltd.
9
THANK YOU
Enterprise Business Technologies
Pvt. Ltd.
10