Smart CBS Platform
for Credit Societies Cooperative Banks Fintechs
Comprehensive digital solutions for credit societies—CBS, AI recovery, ATM setup, AEPS, and more.
What is
RupeIn CBS?
RupeIn CBS is a comprehensive Core Banking Solution (CBS) built for Credit Societies, Cooperative Banks, and Fintechs. It simplifies every financial operation — from account management to real-time settlements — through modular, API-driven, and regulatory-compliant technology.
Challenges We Solve
Simplifying credit society operations with technology-driven solutions.
RupeIn CBS helps you overcome inefficiencies, cut costs, and deliver modern digital banking experiences to your members.
Strong. Reliable. Efficient.
Core / Base Modules – RupeIn CBS
These modules ensure seamless transactions, secure data, and effortless service.
Account and Deposit Management
-
Supports Savings, Current, Fixed and Recurring Deposits
-
Real-time balance updates across all channels
-
Automated interest calculation and account life cycle management
Transaction Processing
-
Instant deposits, withdrawals, fund transfers
-
Seamless inter-branch and interbank transactions
-
Straight-through processing with audit trail
Loan and Credit Management
-
Loan origination, underwriting and approval workflows
-
Automated disbursement and EMI repayment scheduling
-
Risk scoring and NPA (Non-Performing Asset) tracking
Accounting and Reconciliation
-
Automated daily reconciliations
-
Multi-currency and multi-branch ledger support
-
Integrated with payments and lending for real-time accounting
Customer and KYC Management
-
Centralized customer database (CIF – Customer Information File)
-
E-KYC, Aadhaar-based onboarding, and verification workflows
-
360° customer view (accounts, loans, transactions, history)
Payments and Settlements
-
IMPS, NEFT, RTGS, UPI, internal transfers
-
Automated clearing, settlements and reconciliation
-
Integration with NPCI and RBI payment systems
Digital Channels
-
Mobile banking, Internet banking, and Wallet integration
-
Omni-channel customer access
-
Consistent real-time data across all touchpoints
API Integration Layer
-
Open Banking ready with REST APIs
-
Easy third-party fintech integration
-
Connect with CRMs, analytics, insurance, wealth-tech services
Reporting and Compliance
-
RBI & SEBI-compliant reporting formats
-
AML / Anti-Fraud monitoring tools
-
Real-time dashboards & MIS reports
Security and Access Control
-
Multi-layered authentication (MFA, biometrics, OTPs)
-
Role-based access with encryption of sensitive data
-
Continuous monitoring and cyber threat defense
Smarter. Faster. Future-Ready.
Advanced / Differentiating Modules – RupeIn CBS
Each module adds innovation, scalability, and compliance power to your core banking experience.
AI, Machine Learning & Analytics
Gain deep insights with predictive analytics, AI-driven fraud detection, and customer-centric personalization dashboards.
Risk Management & Credit Scoring
Automate credit and risk assessments with real-time scoring and early warning for potential NPAs.
Fraud Detection & Anti-Fraud Engines
Safeguard transactions through AI-powered anomaly detection and AML-compliant monitoring.
Product Factory / Configuration Engine
Design and launch new products instantly — loans, deposits, or investments — without any coding.
Smart Contract-Based Product Logic
Develop programmable banking products that adapt to evolving customer and regulatory needs.
Open Banking & API Ecosystem
Connect securely with fintech apps, CRMs, wallets, and third-party systems for an open digital ecosystem.
Multi-Currency / FX / Cross-Border Payments
Enable real-time global transactions with live exchange rate management and international remittance support.
Blockchain / Distributed Ledger (Future-Ready)
Build trust and transparency with immutable transaction records and smart contract settlements.
Modular / Composable Architecture
Select and scale only the modules you need — ensuring flexibility and seamless future integrations.
Cloud-Native / SaaS / Multi-Tenancy
Deploy on-premise or cloud with scalable, secure, and cost-efficient infrastructure.
Real-Time / Low-Latency Processing
Deliver zero-lag transactions across internet banking, UPI, ATMs, and mobile channels.
Treasury & Asset-Liability Management (ALM)
Optimize liquidity, interest rate, and FX risk with smart tools and automated reporting.
Continuous Delivery & Automated Upgrades
Enjoy seamless upgrades, patches, and new features — all with zero downtime.
Regulatory Compliance (AML, Basel, IFRS)
Stay compliant with RBI, SEBI, AML, and Basel standards using in-built regulatory modules.
Workflow Engines & Business Process Management
Automate daily tasks like approvals and reconciliations to improve speed and accuracy.
Agile. Connected. Growth-Driven.
Modern CBS Trends & Advantages – RupeIn CBS
Empowering financial institutions with real-time, digital-first technology for smarter banking.
Affordable, scalable, and built for growth.
Why choose RupeIn for your society?
Subscription + Growth Model
🧮 Example for Credit Society
⚡ Credit Society earns ₹2 Crore extra business, pays just ₹50,000 extra for growth + subscription.
Help Center
Got a question?
Get your answer
Quick answers to questions you may have. Can't find what you're looking for? Check out our full documentation.
RupeIn CBS is designed for cooperative banks, credit societies, and NBFCs that want to digitize their operations and offer faster, paperless banking services.
Yes. It supports multi-branch and multi-user access with real-time synchronization, so all data stays consistent across locations.
Absolutely. RupeIn CBS uses bank-grade encryption, two-factor authentication, and daily cloud backups to keep your data safe and compliant.
Yes. It easily integrates with UPI, NEFT, IMPS, and AEPS through secure APIs, enabling instant payments and settlements.
RupeIn CBS follows a Win-Win Pricing Model — ₹25,000/month for CBS access, hosting, and support, plus 0.25% of turnover growth as a performance fee.
Get started
Join leading credit societies in digitizing their operations.
Experience the full potential of RupeIn CBS for smarter, secure, and scalable banking.
- Affordable Subscription: Only ₹25,000/month
- Growth-Linked Advantage: Pay only as your turnover grows
- No heavy upfront cost → save lakhs in IT infrastructure