Members & Share Capital
सभासद व भागभांडवल
- Member master with KYC, nominee and photo records
- Share issue, transfer, refund and dividend register
- Membership categories and voting eligibility
- Member-wise ledger across every product
संगणकीकरण · Technology
Digital Systemsfor Your Credit Society
Core software, a member mobile app, a proper loan processing system and a website that members can actually find. We specify all four around your society, and our technology partner builds and supports them.
Where We Fit
Specified by consultants, built by engineers
We write down what your society actually needs — products, interest rules, branches, delegation of powers and the reports the Registrar and auditor expect. Our technology partner Automechano Technologies then builds and implements against that specification, and we stay through migration, training and the first audit on the new system.
Technology delivery partner
Systems built by Automechano Technologies
All four systems below are developed, deployed and supported by Automechano Technologies. You always receive the written requirement first — and you are free to take that same specification to any vendor you prefer.
Visit Automechano TechnologiesCredit Society Software
पतसंस्था संगणक प्रणाली
Requirement study, specification, reconciled data migration, go-live and staff training — covering members, deposits, loans, recovery, accounts and statutory reporting.
Built by Automechano TechnologiesRead moreMember Mobile App
सभासद मोबाईल ॲप
Balances, statements, certificates and requests in the member's hand — plus a collection app that lets agents capture pigmy deposits at the doorstep, even offline.
Built by Automechano TechnologiesRead moreLoan Request & Processing
कर्ज मागणी व प्रक्रिया
A digital loan journey from application to recovery, with duplicate-borrower detection, structured appraisal and a multi-level approval trail your auditor can follow.
Built by Automechano TechnologiesRead moreWebsite Development
संस्थेचे संकेतस्थळ
A Marathi-first, mobile-first site publishing your board, bye-laws, schemes and interest rates, with AGM notices, downloadable forms and enquiry capture.
Built by Automechano TechnologiesRead moreसंगणक प्रणाली
What society software has to cover
Use this as your requirement checklist when a vendor demonstrates. If a module below is missing or weak, it becomes manual work for your staff every single day.
Deposits
ठेवी
- Savings, Current, Recurring (RD) and Fixed (FD) accounts
- Pigmy / daily collection with agent-wise tracking
- Automatic interest computation, posting and renewal
- TDS deduction, Form 15G/15H handling and certificates
Loans & Advances
कर्ज व अग्रीम
- Application, appraisal, sanction and disbursement workflow
- EMI schedules, part payment and pre-closure handling
- Surety, security and document tracking
- Overdue ageing with automatic NPA classification
Recovery & NPA
वसुली व एन.पी.ए.
- Demand, collection and balance (DCB) statements
- Notice generation and follow-up diary
- Section 101 case tracking through to certificate
- Provisioning as per prescribed norms
Accounts & Day Book
लेखा व रोजकीर्द
- Day book, cash book, vouchers and general ledger
- Trial balance and automatic branch consolidation
- Head-office and branch reconciliation
- Year-end closing and opening balance carry-forward
Statutory Reporting
वैधानिक अहवाल
- Balance Sheet and P&L in the prescribed Registrar format
- Audit schedules and annexures ready for the auditor
- Returns and statements for the Registrar / RCS
- Management MIS for every board meeting
Member Touchpoints
सभासद सुविधा
- SMS alerts on deposit, withdrawal and due dates
- Passbook printing and account statements
- Agent / collection mobile application
- Optional member self-service app or portal
Control & Security
नियंत्रण व सुरक्षा
- Role-based access with maker–checker approvals
- Complete audit trail of every entry and edit
- Daily automated backup and restore testing
- Multi-branch setup with head-office oversight
How We Run It
From requirement to first audit
- 1. Requirement studyWe sit with your staff and record how the society actually works today — products, interest rules, branches, volumes and the reports the auditor asks for.
- 2. Specification & buildThe requirement becomes a written specification, which our technology partner Automechano Technologies builds against — or which you are free to take to any vendor you prefer.
- 3. Data migrationMembers, deposits, loans and balances moved from your registers or old system, then reconciled line by line until the trial balance matches.
- 4. Go-live & trainingParallel run, staff training on the counters they actually operate, and hand-holding through the first month-end and the first audit.
What Goes Wrong
The five mistakes we are usually called in to undo
- Software bought on price alone, then abandoned because staff cannot run it
- Reports that do not match the Registrar's prescribed format at audit time
- Opening balances migrated without reconciliation, so the trial balance never ties
- A single vendor login shared by everyone — no audit trail, no accountability
- Backups assumed to be running, never once tested by a restore
The written requirement belongs to your society. Build it with Automechano Technologies or take the same specification to another vendor — either way, you own the document your board approved.
सभासद मोबाईल ॲप
The society in your member's pocket
Most balance enquiries, statement requests and rate questions do not need a counter visit at all. Moving them to an app frees your staff for the work that does — and gives members a reason to stay with the society.
Accounts at a glance
खाते माहिती
- Savings, RD, FD and loan balances on one screen
- Mini statement and full passbook view
- Deposit maturity and EMI due-date reminders
- Interest and TDS certificates to download
Requests from the phone
अर्ज व विनंती
- New deposit scheme and loan applications
- Nominee and KYC update requests
- Cheque book and statement requests
- Status tracking on every request raised
Notices & rates
सूचना व व्याजदर
- AGM notices and circulars pushed to members
- Current interest rate list for all schemes
- Branch locator with click-to-call
- Marathi and English toggle
Secure by design
सुरक्षितता
- Mobile OTP registration with MPIN or biometric login
- View-only by default — no transaction risk
- Device binding and session timeout
- Every access logged for audit
Agent & Collection App
पिगमी वसुली ॲप
Daily collection is where cash risk and disputes concentrate. A collection app removes the paper receipt book and settles both.
- Pigmy and daily collection capture at the member's doorstep
- Receipt printing or instant SMS acknowledgement
- Works offline and syncs when the network returns
- Agent-wise collection totals reconciled the same day
- Recovery follow-up diary with visit notes
- GPS stamp on collection entries to settle disputes
कर्ज मागणी व प्रक्रिया प्रणाली
From loan application to recovery, on one trail
Two of the seven problems named in our brochure are loan problems: incomplete borrower information before disbursement, and the same person holding several loans undetected. A structured loan application system closes both at the point they occur.
01
Application & documents
कर्ज मागणी अर्ज
The member applies from the app, the website or the counter. Documents are captured once, at source, instead of chased later.
- Guided application with scheme-wise fields
- KYC, income proof and security document upload
- Eligibility and EMI shown before submission
- Acknowledgement with a tracking number
02
Verification & de-duplication
पडताळणी
The check the brochure names directly — व्यक्ती एक, कर्ज अनेक. The system flags it before sanction rather than after default.
- Automatic duplicate check on PAN, Aadhaar and mobile
- Existing exposure across all schemes surfaced
- Surety and guarantor capacity verification
- Irregular and defaulter history flagged
03
Appraisal & recommendation
मूल्यमापन
A structured appraisal worksheet, so every proposal reaching the committee has been assessed on the same basis.
- Income, repayment capacity and ratio computation
- Security valuation and margin check
- Scheme and bye-law limit validation
- Written recommendation with reasons recorded
04
Approval workflow
मंजुरी प्रक्रिया
Clerk to manager to loan committee to board — each level sees exactly what it is authorised to decide, and its decision is stamped.
- Multi-level approval as per delegation of powers
- Committee agenda and minutes generated
- Conditional sanction with stipulations
- Rejection reasons recorded, not verbal
05
Sanction & disbursement
मंजुरी व वितरण
Sanction letter, documentation and the accounting entry flow from the same record — nothing is re-keyed.
- Sanction letter and agreement generated
- Document execution and security checklist
- Disbursement voucher posted to accounts
- Repayment schedule issued to the member
06
Follow-up & NPA handover
पाठपुरावा व वसुली
The loan does not disappear after disbursement. Ageing, reminders and recovery escalation run automatically.
- Automatic overdue ageing and NPA classification
- SMS reminders before and after the due date
- Notice generation and follow-up diary
- Escalation into Section 101 recovery
Nothing sanctioned on incomplete information
The brochure names it plainly: कर्ज वितरणापुर्वी सभासदांची पुरेशी माहिती उपलब्ध नसणे. A proposal cannot move to the next stage while a mandatory field or document is missing.
A complete audit trail
Who entered it, who verified it, who recommended it, who approved it and when — recoverable years later when the auditor asks about a single account.
Registers the auditor expects
Loan register, sanction register, DCB statement and committee minutes produced from the live data instead of being written up afterwards.
संस्थेचे संकेतस्थळ
Why a credit society needs a website
Members compare societies before they place a deposit, and most of that comparison now happens on a phone. A society with no online presence is simply not in the comparison.
Transparency builds deposits
A society that publishes its board, bye-laws, audit class and annual figures signals stability. Depositors compare before they commit their savings.
Notices reach members faster
AGM notices, circulars, interest-rate changes and tender notices published the same day, instead of relying only on the branch noticeboard.
Found in your area of operation
Members search online for a पतसंस्था near them. Without a site and a Google listing, your society is invisible to everyone who has not already heard of it.
Enquiries without a branch visit
Deposit and loan enquiries arrive by form or WhatsApp, so the staff follows up instead of waiting for footfall.
Society profile
संस्था परिचय
- About, history and registration details
- Board of directors and management team
- Branch list with addresses and timings
- Achievements, awards and audit classification
Products & rates
योजना व व्याजदर
- Deposit schemes with current interest rates
- Loan products with eligibility and documents
- Built-in EMI and deposit maturity calculators
- Rates editable by your own staff, no developer needed
Notices & downloads
सूचना व अर्ज
- AGM and board notices with dates
- Downloadable application and KYC forms
- Annual report and audited statement uploads
- Tender and recruitment notices
Marathi-first & mobile-first
मराठी व मोबाईल
- Full Marathi content with English alongside
- Designed for the phone your members actually use
- Fast on ordinary mobile data connections
- Click-to-call and WhatsApp on every page
Everything handled for you
A society should not have to become a technology buyer. These come as part of the engagement.
- Domain booking and hosting guidance
- SSL certificate so the site loads secure
- Google Business Profile and Maps listing
- Enquiry forms delivered to your email
- Basic local SEO for your area of operation
- Staff training to update notices and rates
- Annual maintenance and content support
- Backup and uptime monitoring
Free First Discussion
Schedule a meeting with us
Pick a date and time that suits your board. We will confirm by phone, and come prepared with the questions we need answered to assess your society's position.
Everything you share is treated as confidential.
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