Locker Manager secure client locker management

01

Security Module

Locker Manager

CREDITLiVE's Locker Manager provides a dedicated end-to-end solution for managing client locker accounts. Society staff can configure locker sizes, assign lockers to members, manage key numbers, and handle renewals all from a centralised dashboard. Members benefit from a clean interface to independently track their locker status, and joint locker operations are fully supported. Every locker activity is captured with photo signature verification for enhanced security.

Configuration of locker sizes and rent amounts
Key number tracking and assignment to members
Support for single and joint locker operations
Locker assignment, renewal and cancellation management
Photo signature verification for enhanced security
Region-specific availability controls
Full audit history per locker with timestamped trail
Client-facing locker access and status interface

Passbook Printing quality transaction printing

02

Printing Module

Passbook Printing

CREDITLiVE's Passbook Printing module delivers a quality-led solution that prints every transaction in a member's account accurately and on demand. Staff can configure the layout, columns, fonts, and page settings to match any pre-printed passbook format in use at the society. The module handles auto-alignment, page breaks, and continuation entries automatically, eliminating formatting errors that occur with manual printing.

Prints all account transactions to the member's passbook
Configurable layout, columns, and font settings
Supports pre-printed passbook formats of any society
Auto-alignment and automatic page-break management
Compatible with all standard passbook printers
Continuation entry handling across pages
On-demand reprint for any date range
Settings saved per society for consistent output

Daily Deposit Agent Application field collection

03

Field Operations

Daily Deposit Agent Application

Purpose-built for field agents who collect daily deposits from account holders at their doorstep. The application allows agents to manage their entire collection cycle from portfolio assignments to on-the-spot digital receipt generation and end-of-day reconciliation without a single paper register. Collections are synced back to the central system in real time, giving managers live visibility of field performance.

Agent portfolio assignment and daily route management
Door-step digital receipt generation on the spot
Daily collection summary per agent
End-of-day reconciliation with central system
Real-time sync of collections to head office
Offline-capable for low-connectivity areas
Commission tracking per agent per collection
Management dashboard for field performance visibility

04

Compliance

KYC Module

CREDITLiVE's KYC Module provides a comprehensive Know Your Customer system that captures, stores, and periodically updates detailed member identity information in compliance with RBI and state Credit co-operative regulations. The module supports new KYC submission, document upload, periodic renewal alerts, and removal of outdated records keeping every member profile audit-ready at all times and preventing misuse of society banking services.

New KYC submission with full document upload
Photo and signature capture and storage per member
Generation and printing of KYC forms
Periodic KYC renewal alerts for upcoming expiries
Update and modification of existing KYC records
Removal and archival of outdated KYC records
Regulatory audit-ready member profile view
Search and filter members by KYC status

Vasulat Patrak recovery register for employee credit societies

05

Employee Societies

Vasulat Patrak Recovery Register

Vasulat Patrak is a specialised annual recovery register generated specifically for Employee Credit Societies. Every loan instalment and daily deposit obligation for each employee-member is recorded, tracked, and reconciled in one structured register. The system auto-calculates outstanding amounts, accounts for partial payments, and generates the register in the standard format accepted by employee Credit co-operative societies across India.

Annual instalment tracking per employee-member
Loan repayment schedule with due date tracking
Daily deposit obligation recording and monitoring
Auto-calculation of outstanding and overdue amounts
Partial payment handling and balance carry-forward
Salary deduction integration for employee societies
Printable register in standard format for submission
Year-wise archive for historical comparison

Commission Manager flexible agent commission configuration

06

Agent Management

Customised Commission Manager

The Customised Commission Manager gives societies flexible control over how agents and intermediaries are compensated. Administrators can define fixed or percentage-based commission rates per agent or per product category, and modify them on demand without any system downtime. Commission calculations are automated, payout reports are generated in detail, and every change is tracked in a tamper-proof audit trail.

Fixed amount and percentage-based commission structures
Per-agent and per-product category rate configuration
Real-time commission rate adjustment without downtime
Automated commission calculation on each transaction
Commission payout summary and detailed reports
Agent-wise commission history and ledger
Tamper-proof audit trail for all rate changes
Integration with agent collection and loan modules

Society Registration Procedure end-to-end Credit co-operative society registration support

07

Legal & Setup

Society Registration Procedure

EsJay IT Solutions provides end-to-end guided support for registering a new Credit co-operative credit society in eligible regions of India. Our team handles the entire registration lifecycle from collecting and verifying required documents and processing membership fees to preparing the complete registration file and coordinating with the registrar through to the issuance of the official registration certificate.

Eligibility assessment and region-specific guidance
Document collection, verification, and preparation
Membership fee collection and processing
Preparation of the complete registration file
Liaison with the state Credit co-operative registrar
Coordination through to registration certificate issuance
Post-registration compliance guidance
Guidance on initial bylaws and operational setup

Forms Sample Library downloadable standard society forms

08

Downloads & Forms

Forms Sample Library

A secure, login-protected library of all standard Credit co-operative society forms maintained by EsJay IT Solutions. Members and staff can download, fill, and submit standard forms instantly including loan applications, FD interest certificates, loan NOCs, training enrolment forms, and member registration forms. The library is regularly updated to reflect the latest regulatory requirements.

Loan application forms (all loan types)
Loan NOC and closure request forms
Fixed deposit and recurring deposit forms
FD and loan interest certificate templates
Member registration and membership forms
Training enrolment and attendance forms
Society nomination and will forms
Secure login-protected download access

09

Governance

General Rules & Peta Niyam

EsJay IT provides comprehensive guidance on the foundational rules and bylaws (Peta Niyam) governing Credit co-operative credit societies covering maximum lending limits, member obligations, dividend policies, and operational procedures. When regulatory changes require bylaw amendments, our team also guides societies through the formal Peta Niyam Sudharana (bylaw amendment) process from filing to approval.

Society foundational rules and governance guidelines
Maximum lending limit and interest rate guidance
Member rights, obligations and exit procedures
Dividend declaration and distribution policy guidance
Bylaw documentation, reference and maintenance
Peta Niyam Sudharana (bylaw amendment) procedure
Filing assistance with state Credit co-operative registrar
Regulatory compliance advisory and updates

Online Banking Integration member net banking and mobile banking access

10

Digital Banking

Online Banking Integration

CREDITLiVE connects member accounts to net banking and mobile banking channels, enabling members to access their society accounts digitally anytime, anywhere. Members can check account balances, view full transaction history, download account statements, and receive real-time SMS alerts for every transaction. The mobile application supports iOS and Android and is designed for ease of use even for first-time smartphone users.

Net banking access for all member account types
Mobile application for iOS and Android
Real-time account balance check
Full transaction history view
Account statement download in PDF format
Real-time SMS alerts for every transaction
Secure login with OTP-based authentication
Reduces branch footfall and manual workload

11

Loan Management

Gold Loan

CREDITLiVE's Gold Loan module provides a complete end-to-end solution for managing gold-collateral lending within Credit co-operative societies. From initial gold appraisal and article entry to disbursement, interest posting, and final release of pledged items, every step is tracked digitally. The module supports multiple ornament types, calculates loan eligibility based on current gold rates, and generates pledge receipts and release notices automatically.

Gold article entry with description, weight, and purity
Loan eligibility calculation based on current gold rate
Pledge receipt generation at the time of disbursement
Interest calculation with daily, monthly, or flat-rate options
Partial repayment handling with balance carry-forward
Gold release notice and receipt on full repayment
Overdue tracking with automated penalty posting
Audit trail for every gold article — entry to release

12

Loan Management

Vehicle Loan

CREDITLiVE's Vehicle Loan module handles the complete lifecycle of two-wheeler and four-wheeler loans for Credit co-operative society members. The module captures vehicle details including registration number, chassis number, engine number, and insurance information alongside the loan account. EMI schedules are generated automatically, hypothecation records are maintained digitally, and the module supports both new vehicle and second-hand vehicle loans with configurable loan-to-value ratios.

Two-wheeler and four-wheeler loan origination
Vehicle detail capture — registration, chassis, engine number
Insurance information recording and renewal alerts
Hypothecation record maintenance and NOC generation
Automated EMI schedule generation and tracking
Configurable loan-to-value ratio per vehicle type
New vehicle and second-hand vehicle loan support
Vehicle loan closure certificate and hypothecation release

Core Aspects

Locker Manager

Locker Manager

Passbook Printing

Passbook Printing

Daily Deposit Agent Application

Daily Deposit Agent Application

KYC Module

KYC Module

Vasulat Patrak Recovery Register

Vasulat Patrak Recovery Register

Customised Commission Manager

Customised Commission Manager

Society Registration Procedure

Society Registration Procedure

Forms Sample Library

Forms Sample Library

General Rules & Peta Niyam

General Rules & Peta Niyam

Online Banking Integration

Online Banking Integration

Gold Loan

Gold Loan

Vehicle Loan

Vehicle Loan

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