CBS will enable your Staff members, Officers and Managers to focus & allocate their valuable time more effectively for Marketing, Sales, Business Development & all round growth of the bank.

Core Banking is a service provided by Bank branches where the customer can access their bank accounts and perform the various transactions from any branch of the Bank. Core banking is mostly used by retail banking sector and core banking covers depositions, withdrawal, loan, mortgage and payments. The core of the core banking to run its functions smoothly is its core banking software and network technology. Centralize database allows to access from any location. Due to advancement in core banking technology, it reduces the manual work and raises the staff efficiency significantly. Core banking software is built for the consumer convenience, wherever your account branch located, you can do transactions, passbook maintenance, withdraw money, deposit the money, Loan, records, etc. Core banking software is the need of time and adopted by many banks.

How our Core Banking solution helps

The AVS Core Banking solution is an open, integrated and real-time platform providing:

Real-time, complete customer information –
enabling financial institutions to offer their customers the right products at the right time

Product builder –
allows for extremely quick time to market for new products, as well as the ability to personalize products and services to individual customers; a market of one

Infinite scalability –
the solutions run on any software stack and is engineered to be linearly scalable, allowing customers to generate significant economies of scale

Extremely low TCO –
against the industry average of 78.8% of IT budgets being spent on maintenance, AVS customers spend 44.3%

Zero risk of obsolescence –
AVS spends more than 20% of sales annually on R&D, continually developing financial and banking software based on customer requirements and innovation from our labs. We make this available to customers through regular releases, ensuring once they've caught up, they never fall behind again

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A credit union is a member-owned financial cooperative, democratically controlled by its members, and operated for the purpose of promoting thrift, arranging credit at competitive rates, and providing so many other financial services to its members.
The primary societies are functioning in the various towns and villages, the Central Banks at the district headquarters and the State Co-operative Banks at the state capitals forming the apex of the system.
Because of their strong socio-economic position and grip over the rural economy, big landowners have cornered greater benefits from cooperatives. This is the opposite of what the planners intended.

An Act to consolidate and amend the law relating to co-operative societies, with objects not confined to one State and serving the interests of members in more than one State, to facilitate the voluntary formation and democratic functioning of co-operatives as people's institutions based on self-help and mutual aid and to enable them to promote their economic and social betterment and to provide functional autonomy ,was being felt necessary by the various cooperative societies, and federation of various cooperative societies as well as by the Government.

Advanced features like social impact analysis, securitization, micro-insurance and handheld integration greatly enhance profitability and business coverage for a microfinance institution. The experience of implementations in different countries and at diverse MFI businesses continues to enrich our solution.
Our solution is designed to meet the needs of MFI for deployment in remote offline locations while at the same time a centralized server ensures due monitoring & reporting, which can span across countries / regions. The solution architecture is flexible enough to allow mixed-mode of deployment thereby substantially reducing the costs and efforts involved in such deployment topologies.

Microfinance is predominantly a rural phenomenon. Microfinance institutions operate in the hinterland where traditional banks balk at serving. The primary focus of Microfinance Institutions has been to ensure access to easy finance in a responsible and inclusive way.