Risk Management Module

CKYCR Module

E-KYC

CERSAI Module

CIBIL Module

E-Affidavit

Positive Pay System


Risk Management Module

Risk management is important for a bank to ensure its profitability and soundness. It is also a concern of regulators to maintain the safety and soundness of the financial system. Over the past decades, banking business has developed with the introduction of advanced trading technologies and sophisticated financial products. While these advancements enhance bank’s intermediation role, promote profitability, and better diversify bank risk, they raise significant challenges to bank risk management.

CKYCR Module

C-KYCR Means that a single bank KYC will suffice to invest in all financial products, including mutual funds. If the KYC details are updated on this platform by one entity, all other institution get a real time update. Thus, the platform helps firms cut down costs substantially by avoiding multiplicity of registration and data upkeep. The KYC data uploaded on the platform will be de-duplicated on the basic of the demographics (customer name, maiden name, gender, date of birth, mother name, father/spouse name, addresses, mobile number, email id, etc.)

E-KYC

E-KYC service as a valid process for KYC verification under Prevention of Money Laundering (Maintenance of Records) Rules, 2005, the information containing demographic details and photographers made available from UIDAI as a result of e-KYC process ( which is an electronic form and accessible so as to be usable for a subsequent reference) may be treated as an ‘Officially Valid Document’ under PML Rules.

CERSAI Module

CERSAI is providing the platform for filing registrations of transactions of securitisation, asset reconstruction and security interest by the banks and financial institutions. JJIT has extended the CERSAI automation by providing facility to accept the details in CBS. Later the data is transformed into information and made available to upload. Each record is identified by Security ID connected to account(s).

CIBIL Module

Credit Information Bureau India Ltd.(CIBIL) is a credit information company licensed by the Reserve Bank of India. CIBIL collects and maintains records of an individual's payments pertaining to loans and credit cards. E-Banker Software offers a complete solution for the essential processing of all operations in a financial organization. E-banker interfaces with third parties APIs like CIBIL to integrate and get real-time access. Banks get a credit report and CIBIL Score of applicants.

E-Affidavit

E-Affidavit is a Digital Legal Document which includes all the details of the Borrower to the Lender, developed by with state of art cutting edge technology premier web-based products, is a leader in the financial industry. With e-Affidavit Application Bank goes wherever you go with security against FRAUD & SCAM. There are three Processes:

With e-Affidavit Application Bank goes wherever you go with security against FRAUD & SCAM. There are three Processes:

  • Create your Document Using It includes web based form where Bank executive enter details of Loan including Photo, Thumb and signature details in jpg.
  • Get It instantly & Print using It processes all data of loanee and creates an affidavit for final disbursement paper including Loanee Photo, Thumb details, signature in electronic form within a minute.
  • Sign not required legally binding Final legal document. Loan Report: It gives detail information related to loan by filtering Branch code, Product code

Positive Pay System

AVS has introduced Website "Positive Pay System" binding with the guidelines of Positive Pay. The concept involves a process of reconfirming key details of large value cheques. Under this process, the issuer of the cheque submits electronically, through channels like Mobile APP, Internet Banking, ATM, etc., certain minimum details of that cheque (like date, name of the beneficiary / payee, amount, etc.) to the drawee bank, details of which are cross checked with the presented cheque by CTS. Under the positive pay system, the issuer of the cheque is going to be required to submit electronically, through SMS, mobile app, internet banking or ATM certain minimum details of that cheque like date, name of the beneficiary, payee, amount to the drawee bank.