3 months
record implementation timeframe from data migration to go-live
6 locations
across Nagpur brought onto a single, unified platform
15+ integrated modules
implemented end-to-end
Higher per-staff business
achieved with the same branch and staff strength
Situation Overview
Gandhibag Sahakari Bank Ltd (GSBL) is a Nagpur-based co-operative bank serving a diverse mix of retail, corporate, and industry customers across six locations. With a clear mission to evolve into a strong, competitive financial institution, GSBL wanted its technology to keep pace with its ambitions — but its existing banking software wasn’t built to get it there.
Testimonial from Bank Leadership
Challenges
GSBL had computerised its operations, but the underlying system was not a true Core Banking Software, and this held the bank back in several ways:
No unified platform
Branches could not be brought together on a single system, limiting anytime, anywhere digital banking
Manual, disconnected processes
Clearing, statutory reporting, and compliance activities relied heavily on manual effort across systems.
Constrained growth
The bank's mission to optimise human resources, improve shareholder profitability, and raise customer satisfaction was hindered by the limitations of its then-current software
Underutilised branch potential
Even well-performing branches were not achieving the productivity or business volume GSBL believed was possible
GSBL needed a comprehensive Core Banking Software that could unify operations, cut manual work, and support its long-term growth mission — without a lengthy, disruptive rollout.
Solution Provided
After thorough due diligence against competitive CBS platforms, GSBL selected TrustBankCBS, implemented in-premise on the bank’s own data centre. TrustBankCBS rolled out the full solution stack within a record 3-month timeframe, covering data migration, data building and cleansing, UAT, training, and go-live.
Key components of the implementation included
- Retail Banking, Loans, Deposits & Financial Accounts on a single unified data repository
- C-KYC and Credit Bureau Integration
- ATM, POS, E-com & Mobile Wallet support
- RTGS/NEFT, NACH and M-Passbook
- Clearing – Cheque Truncation System (CTS) & Mandates Clearing System (ECS): TrustBankCBS re-engineered GSBL’s entire clearing process end-to-end — from cheque receipt entry into CBS, through inward clearing automation and cheque image extraction, to outward file submission to the sponsor bank’s CHI in accepted formats. A CTS scanner and digital signing tool were integrated, removing redundant manual steps, with centralised image archival for easy storage and retrieval.
- Statutory Reporting: Browser-based, integrated modules enabled GSBL to generate Offsite Surveillance (OSS), Asset Liability Management (ALM), and RBI audit statements directly from the system — transformed into XBRL format for straight-through regulatory submission
- AML Alerts Module and GST Compliance
- 4-Way Reconciliation and HRM & Payroll
- Embedded Business Intelligence: Pre-configured dashboards for the co-operative segment gave Head Office real-time, drill-down visibility into branch performance — including forecasting on NPA, deposit patterns, and profitability — with no separate investment in BI tools or consulting.
TrustBankCBS also delivered a full services bouquet: RTGS/NEFT and CTS/CHI integration, EFT switch integration for debit card transactions, mobile banking switch integration, data centre commissioning, customisation and parameterisation, legacy data migration with migration audit, UAT, training, and post-go-live support.
Core Banking Software
Business Impact
- Faster time-to-value
Complete migration and go-live achieved in just 3 months
- Maximum resource utilisation
Consolidation onto one platform reduced duplication and improved operational efficiency
- Lower operational and IT costs
Reduced operational expenses and IT maintenance overhead following the transition
- Stronger compliance
Straight-through statutory reporting in XBRL format reduced manual effort and the risk of reporting errors
- Fully automated clearing
End-to-end CTS automation eliminated redundant manual intervention in cheque processing
- Higher productivity
GSBL achieved higher per-staff business and improved customer satisfaction and retention — without adding headcount
Conclusion
GSBL’s transformation shows how the right core banking platform — deployed with speed and strong partner support — can help a co-operative bank unlock productivity gains without expanding its team. By moving to TrustBankCBS, GSBL turned a fragmented, manual IT environment into an integrated, compliance-ready system that directly supports its mission of sustainable, technology-driven growth.
