Core Banking System

The core of co-operative banking.

VSCORE runs your entire bank on one real-time platform: a single customer view, all deposit and loan products, native UPI, NEFT, RTGS and CTS payments, an inter-branch general ledger, automated NPA classification and RBI / registrar-ready reporting.

ISO 27001:2022 secured

Why VSCORE

A complete core banking system for urban co-operative banks and Nidhi companies — accounts, deposits, loans, payments and RBI-ready reporting across every branch, in real time.

Built for RBI-regulated UCBs & Nidhi
Inter-branch, real-time core
Native UPI, NEFT, RTGS & CTS
The upgrade path from Sahakar Sarthi

Who it's for

Urban co-operative banks
Nidhi companies
Multi-branch credit societies
Pat sansthas scaling up

Modules

Everything included

Deposits
- Savings & current accounts
- RD, FD and pigmy / daily
- Automated interest & TDS
Loans & advances
- All loan products & EMIs
- Collateral & guarantors
- Automated NPA classification
Member management
- Single customer view (CIF)
- Shares, nominees & KYC
- Dividend & patronage
Branch operations
- Inter-branch real-time GL
- Day-end & year-end processing
- Teller, cash & cheque (CTS)
Digital banking & payments
- UPI, NEFT, RTGS, IMPS
- Mobile & net banking
- ATM / card ready
Compliance & reporting
- RBI returns (OSS and more)
- Audit & registrar reports
- Provisioning & risk MIS

How it works

From first click to clean books.

Step 1: Onboard once
A single customer record (CIF) spans every account and branch.
Step 2: Transact anywhere
Any branch serves any customer, on a live general ledger.
Step 3: Pay & settle
UPI, NEFT, RTGS, IMPS and CTS cheque clearing, built in.
Step 4: Report with confidence
NPA classification, provisioning and RBI returns, generated from clean data.

FAQ

VSCORE questions

Who is VSCORE for?

Licensed urban co-operative banks, Nidhi companies and multi-branch societies that need inter-branch core banking, full payment rails and RBI-grade reporting.

Does VSCORE support UPI, NEFT and RTGS?

Yes — native UPI, NEFT, RTGS, IMPS and CTS cheque clearing are part of the platform, along with mobile and net banking.

Can we migrate from our current society or bank software?

Yes. VilaSoft handles clean data migration from your existing system as part of VSCORE implementation.

How is VSCORE different from Sahakar Sarthi?

Sahakar Sarthi runs a single credit society or pat sanstha; VSCORE is the full core banking system for licensed co-operative banks and Nidhi, with inter-branch banking and RBI reporting.