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					                                                                        Tel. Nos.: (0674) 2375100
                                                                        FAX No. : (0674) 2510214/ 2514669
                                                                        E-mail : sampark_oscb@rediffmail.com


      THE ORISSA STATE COOPERATIVE BANK LTD.
                                                        (Scheduled Bank)
                                              Pandit Jawaharlal Nehru Marg,
                                                 Bhubaneswar – 751 001




            REQUEST FOR PROPOSAL [RFP]
         For the Implementation of Turnkey Project on
               EFT Switch and other Delivery Channels

Ref. No: OSCB (MIS)4309/2010-11                                                           Dated: 05/08/2010




                                                                            www.oscb.coop

     This document is the property of the Bank. It may not be copied, distributed or recorded on any medium, electronic or
otherwise, without the written permission. Use of contents given in this document, even by the authorized personnel/agencies for
any other purpose other than the purpose specified herein, is strictly prohibited as it shall amount to copyright violation and thus
                                            shall be punishable under the Indian law.
         RFP for the Implementation of Turnkey Project on EFT Switch and other Delivery Channels




      THE ORISSA STATE COOPERATIVE BANK LTD.
                                        (Scheduled Bank)
                               PANDIT JAWAHARLAL NEHRU MARG,
                                   BHUBANESWAR – 751 001

Ref.No.OSCB/MIS/4309/2010-11                                                   Dated: 05/08/2010

                               DETAILED TENDER CALL NOTICE

Sealed tenders in conformity with detailed tender call notice are invited from reputed OEM for
Implementation of Turnkey Project on EFT Switch and other Delivery Channels.

Tender Papers can be obtained from Computer Cell of the Bank on payment of Rs.5000/-
(Rupees Five thousand) only (non-refundable) on any working day from 09/08/2010 to
24/08/2010 (between 10.00 AM and 2.00 PM). Tender paper can also be down loaded from
Bank’s website “www.oscb.coop” and submitted along with demand draft of Rs.5000/-
towards the cost of tender paper, drawn in favour of The Managing Director, The Orissa State
Cooperative Bank Ltd. payable at Bhubaneswar.

The tender should reach this office within the stipulated time along with EMD and other
documents as detailed below:

*Stipulated date and time of receipt of tender Up to 25/08/2010, 2.00 PM.
*EMD-Rs.2,00,000/-(Two lakh only) in shape of DD/Pay Order drawn in favour of The
Managing Director The Orissa state Cooperative Bank Ltd. payable at Bhubaneswar.

*Date and Time of opening of Technical bid - Dtd. 25/08/2010, 3.30 P.M.

*Other documents to be enclosed with tender.
Attested Xerox coy of PAN/ TIN No/ Registration,
Annual turn over supported with documents.

The tenderers or their authorized agents may remain present at the time of opening of the
tender as indicated above failing which the same will be opened in their absence. No claims
and complains etc shall be entertained in the matter.

The authority reserves the right to reject any or all the tenders without assigning any reasons
there of and also not bound to accept the lowest tender.

Any other information / clarifications if any may be obtained from General Manager (MIS) of
the Computer Cell (MIS) of the Bank contact or over phone (0674-2375106).




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                                   TABLE OF CONTENTS
Schedule of Events

   A. Events
   B. Date
   C. Time

GLOSSARY

   1. Introductions and Disclaimers

          a.    Purpose of RFP
          b.    Information Provided
          c.    Disclaimer
          d.    Costs to be borne by Respondents
          e.    No Legal Relationship
          f.    Recipient Obligation to Inform Itself
          g.    Evaluation of Offers
          h.    Errors and Omissions
          i.    Acceptance of Terms
          j.    Requests for Proposal
          k.    Notification

   2. Background

           l.   About BANK
           m.   Present Setup
           n.   Proposed Architecture - Diagram
           o.   List of locations [ATM]
           p.   Project Objective

   3. Instruction to Bidders

          q. Amendment to the bidding document
          r. Language of Bid
          s. Documents Comprising the Bid
          t. Bid Currency
          u. Implementation schedule
          v. Performance Guarantee
          w. Period of Validity of Bids
          x. Format and Signing of Bid
          y. Sealing and Marking of Bids
          z. Deadline for submission of Bids
          aa. Late Bids
          bb. Modification And / Or Withdrawal of Bids
          cc. Opening of Bids by BANK
          dd. Clarification of bids
          ee. Preliminary Examinations
          ff. Bid Evaluation
          gg. Arithmetic errors correction
          hh. Contacting BANK

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      ii. Bank's right to accept or reject any bid or all bids
      jj. Ernest Money Deposit [EMD]
      kk. Procurement of Tender Application Form
      ll. Jurisdiction of courts
      mm.          Supply – Terms & Conditions
      nn. IPR Infringement
      oo. Limitation of liabilities
      pp. Force Majeure

4. Scope of Work

      qq. Posting of full time Engineer on--‐site
      rr. Maintenance Services
      ss. Audit Observations and Compliance
      tt. Project Monitoring Committee
      uu. Review meetings
      vv. Training

5. Bid Evaluation Methodology

      a. Introduction

6. Annexures

      a.    Annexure   1:   Proposed Network Diagram
      b.    Annexure   2:   List of Locations
      c.    Annexure   3:   Minimum Eligibility Criteria
      d.    Annexure   4:   Technical Bid Covering Letter
      e.    Annexure   5:   Technical Bid

           i. Software:

 1. Enterprise-wide Electronic Fund Transfer Switch
 2. Front End Application for Monitoring & Controlling of all Delivery Channels
 3. Web based Card Issuance & Management Software for Centralized and De –
    Centralized [Instant Card] Card Issuance & Management for ATM cum Debit Cards &
    Financial Inclusion Solution.
 4. Centralized Finger Print Authentication Module for Bio-metric technology based ATM
    and POS [Point of Sales] terminals for Financial Inclusion.
 5. Reconciliation & Settlement for Inter branch / Bank Transactions for all Delivery Channels
 6. Tele Banking [Interactive Voice Response System]
 7. Mobile Banking [SMS Banking]
 8. Financial Inclusion Solution Module

                ii.   Hardware & III Party Software requirements
               iii.   Project Management
              iv.     Customer Feedback
                v.    Masked Commercial Bid
              vi.     List of deviations (as per Annexure - 9)
              vii.    Technical Proposal Covering Letter (as per Annexure – 4)

      f. Annexure 6: Commercial Bid Covering Letter
      g. Annexure 7: Commercial Bid

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 h.   Annexure   8: Letter of Competence
 i.   Annexure   9: Statement of Deviations
 j.   Annexure   10: Performance Guarantee Format (Sample)
 k.   Annexure   11: Vendor Details




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                                  SCHEDULE OF EVENTS
Bidders [Service Provider] may note the schedule of following important events. Action may please be
taken accordingly.


Events                                                     Date                      Time

Issue of RFP to Vendors                                    09/08/2010
Submission of Vendors enquiries (e-mail/letters)           13/08/2010                2.00 P.M
Pre-bid Meeting                                            16/08/2010                11.00 A.M
Last date of Sale of BIDs                                  24/08/2010                02.00 P.M
Last date for submission of RFP                            25/08/2010                02.00 P.M
Opening of the Technical bid                               25/08/2010                3.30 P.M.
Opening of the Commercial bid                              30/08/2010                3.30 P.M.
Vendor Selection                                           08/09/2010

All Bids are to be submitted in sealed covers superscribed “TENDER FOR EFT SWITCH AND
OTHER DELIVERY CHANNELS” at the following address:

Kind Attention         The Managing Director
Address of the Bank    The Orissa state Cooperative Bank Ltd. Pandit Jawaharlal Nehru Marg,
                       Bhubaneswar - 751001
Phone Numbers          0674-2375106
Email ID               Sampark_oscb@rediffmail.com
Website                www.oscb.coop

For queries and clarifications regarding the RFP, please feel free to contact us at the above address /
telephone number/ email ids during working days between 10.30 AM – 4.30PM

Please note that all the information desired needs to be provided only in the form and formats specified
in this RFP. Response should contain only the desired information. Incomplete information in these
areas may lead to rejection of bids. The bidder is requested to sign in each page of RFP with Company
seal to avoid rejection.

The Bank reserves the right to change the dates mentioned above. Changes and clarification, if any,
related to RFP will be posted on web site. Bidders must have close watch on website during the
intervening period before submitting response to RFP.

Bidders must plan for presentation and site visit, well in advance, as the Bank will undertake the same
immediately after submission of bids.




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GLOSSARY

                EFT Switch      Electronic Fund Transfer Switch
                   CRS          Customer Requirement Specifications
                   UAT          User Acceptance Test
                   ATM          Automatic Teller Machine
                   POS          Point of Sales
                   EMD          Ernest Money Deposit




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1. Introductions and Disclaimers

   a. Purpose of this RFP: The purpose of RFP is to short list a Service Provider for providing a
      Turnkey Project on Implementation EFT Switch and other Delivery Channels.

   b. Information Provided: The Request for Proposal document contains statements derived
      from information that is believed to be relevant at the date but does not purport to provide
      all of the information that may be necessary or desirable to enable an intending contracting
      party to determine whether or not to enter into a contract or arrangement with the Bank.
      Neither the Bank nor any of its employees, agents, contractors, or advisers gives any
      representation or warranty, express or implied, as to the accuracy or completeness of any
      information or statement given or made in this document. Neither the Bank nor any of its
      employees, agents, contractors, or advisers has carried out or will carry out an independent
      audit or verification exercise in relation to the contents of any part of the document.

   c. Disclaimer: Subject to any law to the contrary, and to the maximum extent permitted by
      law, BANK and its officers, employees, contractors, agents, and advisers disclaim all liability
      from any loss or damage (whether foreseeable or not) suffered by any person acting on or
      refraining from acting because of any information including forecasts, statements,
      estimates, or projections contained in this RFP document or conduct ancillary to it whether
      or not the loss or damage arises in connection with any negligence, omission, default, lack
      of care or misrepresentation on the part of BANK or any of its officers, employees,
      contractors, agents, or advisers.

   d. Costs to be borne by Respondents: All costs and expenses incurred by Respondents in
      any way associated with the development, preparation, and submission of responses,
      including but not limited to; the attendance at meetings, discussions, demonstrations, etc.
      and providing any additional information required by BANK, will be borne entirely and
      exclusively by the Respondent.

   e. No Legal Relationship: No binding legal relationship will exist between any of the
      Respondents and BANK until execution of a contractual agreement.

   f. Recipient Obligation to Inform: The Recipient must conduct their own investigation and
      analysis regarding any information contained in the RFP document and the meaning and
      impact of that information.

   g. Evaluation of Offers: Each Recipient acknowledges and accepts that BANK may in its
      absolute discretion apply selection criteria specified in the document for evaluation of
      proposals for short listing / selecting the eligible vendor(s). The RFP document will not form
      part of any contract or arrangement, which may result from the issue of this document or
      any investigation or review, carried out by a Recipient.

   h. Errors and Omissions: Each Recipient should notify BANK of any error, omission, or
      discrepancy found in this RFP document.

   i. Acceptance of Terms: A Recipient will, by responding to BANK for RFP, be deemed to
      have accepted the terms of this Introduction and Disclaimer.

   j. Requests for Proposal: Recipients are required to direct all communications related to
      this RFP, through the Nominated Point of Contact person:



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BANK may, in its absolute discretion, seek additional information or material from and Respondents
after the RFP closes and all such information and material provided must be taken to form part of that
Respondent’s response.

Respondents should provide details of their contact person, telephone, fax, email and full address(s) to
ensure that replies to RFP could be conveyed promptly.

If BANK, in its absolute discretion, deems that the originator of the question will gain an advantage by
a response to a question, then BANK reserves the right to communicate such response to all
Respondents.

BANK may, in its absolute discretion, engage in discussion or negotiation with any Respondent (or)
simultaneously with more than one Respondent) after the RFP closes to improve or clarify any
response.

Notification: BANK will notify all short-listed Respondents in writing or by mail as soon as practicable
about the outcome of their RFP. BANK is not obliged to provide any reasons for any such acceptance or
rejection.




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2. BACKGROUND

 a. About BANK :

     The Orissa State Co-operative Bank, a Scheduled Bank under RBI Act was registered in the
     year 1948 as the Apex Bank of the short term Co op.Credit structure of Orissa with an
     objective of Development of the agrarian economy of Orissa by catching the credit equipment
     of the terms of the state.
     And bank is having a network of 14 branches and 17 District Central Co Operative Banks with
     350 branches across the state.


 b. Present Setup :

 All the 14 branches of the Bank are computerized with Supertech Computers through Total
  Branch Automation (TBA) Software and 12 branches are connected with 9 Diebold ATMs and 3
  NCR ATMs.

 All the branches are connected with Leased Lines with ISDN Backup.

 All Computerized branches are on Distributed databases

 9 Diebold ATMs are connected to various branches with StarWARE and 3 NCR ATMs are
  connected with NDC+ Controller.

 Head Office & MIS modules automated by CMC Ltd in VB/Oracle




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    c. Proposed Architecture – EFT Switch and other Delivery Channels Deployment
        Diagram




    d. List of locations [ATM]:

1. Main Branch (Pandit Jawaharlal Nehru Marg, Bhubaneswar)
2. Saheednagar Branch (Saheednagar, Bhubaneswar)
3. Ashok Nagar Branch (Western Tower Market Building, Unit-II, Bhubaneswar)
4. Cuttack Road Branch (Plot No. 236, Rout Complex, Laxmisagar)
5. Sailashree Vihar Branch (DAV Public School Campus, Chandrasekharpur)
6. Kalinga Hospital Campus Branch (Chandrasekharpur, Bhubaneswar)
7. Cuttack (Durgha Bazar, Cuttack)
8. Berhampur (Old Bus stand, Berhampur)
9. Sambalpur Branch (Main Road, Budharaja, Sambalpur)
10. Paradeep Branch (Madhuban)
11. Angul (Amalapada)
12. Rourkela Branch (Civil Market Area)


    e. Project Objective:


     To become a strong and competitive Bank offering innovative financial products and services
      and to lead a rejuvenated short term cooperative credit structures to better serve the people of
      Orissa.
     To Provide Any Where Any Time banking services to our customers.
     To expand the business up to rural areas across the state.




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3. INSTRUCTION TO BIDDERS
    a. Amendment to the bidding document: At any time prior to the deadline for
       submission of Bids, Bank for any reason, may modify the Bidding Document, by
       amendment. The amendment will be posted on Bank’s website.

         All Bidders [Service Provider] must ensure that such clarifications have been considered
         by them before submitting the bid. Bank will not have any responsibility in case some
         omission is done by any bidder.

         In order to allow prospective Bidders [Turnkey Provider] reasonable time in which to
         take the amendment into account in preparing their Bids, Bank, at its discretion, may
         extend the deadline for the submission of Bids.

    b. Language of Bid : The bid prepared by the Bidders [Service Provider], as well as all
       correspondence and documents relating to the Bid exchanged by the Bidder and Bank
       and supporting documents and printed literature shall be written in English.

    c.   Documents Comprising the Bid: The bid consists of three proposals viz.,
         normalization proposal, technical proposal and commercial proposal.

             i. Documents comprising the TECHNICAL PROPOSAL should be:

                     1. Documentary evidence establishing that the Bidder is eligible to Bid
                        and is qualified to perform the contract i.e. minimum eligibility criteria
                        as per Annexure – 3.

                     2. Technical Bid as per Annexure - 5. Any technical Bid containing price
                        information will be rejected.

                     3. Masked Price Bid listing all the components as listed in Commercial Bid,
                        without indicating the price as per Annexure – 7

                     4. Soft copy of minimum eligibility criteria, technical bid and masked price
                        bid.

             ii. Documents comprising the COMMERCIAL PROPOSAL should be:

                     1. Complete commercial bid as per Annexure – 7.
                     2. Soft copy of commercial bid Price bids containing any deviations or
                        similar clauses may be summarily rejected.

    d. Bid Currency: Bids to be quoted in Indian Rupee only.




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 e. Implementation schedule:

       i.     The entire solution should be completed within 8 weeks from the date of
              finalization of CRS. BANK would carry out acceptance testing and will run the
              entire system for a period of four weeks.

       ii.    In the event of non-implementation of the Project as proposed in response to
              RFP, the Bidder [Service Provider] shall have to pay a penalty @ 1% of the order
              value per week.

      iii.    Exercise of signing of contract will be parallel activity. While both the parties will
              endeavor in quick signing of contract, Bidder [Service Provider] must stick to the
              schedule mentioned above irrespective of signing of contract

 f.   Performance Guarantee: The Successful Bidder should keep 10% of the Order value
      as BG (Bank Guarantee) for a period of 1 year from the date of UAT.

 g. Period of Validity of Bids: Prices and other terms offered by Bidders must be firm
    for an acceptance period of six (6) months from date of closure of this RFP. In
    exceptions circumstances Bank may solicit the Bidders consent to an extension of the
    period of validity. The request and response thereto shall be made in writing. The Bid
    security provided shall also be extended

 h. Format and Signing of Bid:

             i. Each bid shall be in two parts:

                    1. Part 1: consists of Minimum Eligibility Criteria, Technical BID
                       and Masked Commercial BID [price bids without any price]. The
                       above contents will be referred to as “TECHNICAL PROPOSAL”

                    2. Part 2: Covering only the COMMERCIAL BID herein referred to as
                       “COMMERCIAL PROPOSAL” The Original Bid shall be typed or
                       written in indelible ink and shall be signed by the Bidder or a person or
                       persons duly authorized to bind the Bidder to the Contract. The person
                       or persons signing the Bids shall initial all pages of the Bids, except for
                       un-amended printed literature. Any interlineations’, erasures or
                       overwriting shall be valid only if they are initialed by the person signing
                       the Bids.

 i.   Sealing and Marking of Bids: The Bidder [Turnkey Solution Provider] shall seal the
      envelopes containing Technical and commercial proposals separately. The envelops
      should be NON-WINDOW, each super scribed with “Implementation of Turnkey
      Project on EFT Switch and other Delivery Channels” as the case may be. The
      envelop shall be addressed to the Bank at the address given below:

      The Managing Director
      The Orissa State Co-op Bank Ltd
      Pandit Jawaharlal Nehru Marg,
      Bhubaneswar - 751 001 Orissa India




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      All envelopes should indicate on the cover the name and address of bidder along with
      contact number. If the envelope is not sealed and marked, the Bank will assume no
      responsibility for the Bid's misplacement or its premature opening.

 j.   Deadline for submission of Bids

      The bids must be received by the Bank at the address specified, not later than the due
      date mentioned in the Schedule of Events column [Last date of Submission - Page 5 of
      this Document]. In the event of the specified date for the submission of bids, being
      declared a holiday for the Bank, the bids will be received up to the appointed time on
      the next working day. The Bank may, at its discretion, extend the deadline for
      submission of Bids by amending the Bid Documents, in which case, all rights and
      obligations of the Bank and Bidders previously subject to the deadline will thereafter be
      subject to the deadline as extended.

 k.   Late Bids: Any bid received by the Bank after the deadline for submission of bids
      prescribed by the Bank will be rejected and returned unopened to the bidder.

 l.   Modification And / Or Withdrawal of Bids:

      The Bidder [Service Provider] may modify or withdraw its bid after the bid’s
      submission, provided that written notice of the modification including substitution or
      withdrawal of the bids is received by the Bank, prior to the deadline prescribed for
      submission of bids.

      The Bidder [Service Provider] modification or withdrawal notice shall be prepared,
      sealed, marked and dispatched. A withdrawal notice may also be sent by Fax, but
      followed by a signed confirmation copy, postmarked not later than the deadline for
      submission of bids.

      No bid may be modified after the deadline for submission of bids.

      No bid may be withdrawn in the interval between the deadline for submission of bids
      and the expiration of the period of bid validity specified by the bidder on the bid form.
      Withdrawal of a bid during this interval may result in the bidder’s forfeiture of its EMD.

      The Bank has the right to reject any or all tenders received without assigning any
      reason whatsoever.

      Bank shall not be responsible for non-receipt / non- delivery of the bid documents due
      to any reason whatsoever.

 m. Opening of BIDs by BANK

      On the scheduled date and time, bids will be opened by the Bank in presence of
      Bidders’ representatives; maximum of two people from the bidder are allowed to
      attend the BID Opening event.

      No bid shall be rejected at bid opening, except for late bids, which shall be returned
      unopened to the Bidder. Bids that are not opened at Bid opening shall not be
      considered further for evaluation, irrespective of the circumstances. Withdrawn bids
      will be returned unopened to the Bidders.


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 n. Clarification of bids

      During evaluation of Bids, Bank, at its discretion, may ask the Bidder for clarification of
      its Bid. The request for clarification and the response shall be in writing (Fax/e-Mail),
      and no change in the substance of the Bid shall be sought, offered or permitted.

 o. Preliminary Examinations

      The Bank will examine the Bids to determine whether they are complete, the
      documents have been properly signed; supporting papers/documents attached and the
      bids are generally in order. The Bank may, at its sole discretion, waive any minor
      infirmity; nonconformity or irregularity in a Bid, which does not constitute a material
      deviation, provided such a waiver, does not prejudice or affect the relative ranking of
      any Bidder.

      Prior to the detailed evaluation, The Bank will determine the substantial responsiveness
      of each Bid to the Bidding document. For purposes of these Clauses, a substantially
      responsive Bid is one, which conforms to all the terms and conditions of the Bidding
      Document without material deviations.

      Deviations from or objections or reservations to critical provisions, such as those
      concerning Bid Security, performance security, qualification criteria, insurance, Force
      Majeure etc will be deemed to be a material deviation. The Bank’s determination of a
      Bid's responsiveness is to be based on the contents of the Bid itself, without recourse
      to extrinsic evidence. The Bank would also evaluate the Bids on technical and
      functional parameters including possible visit to inspect live site/s of the bidder,
      witness demos, bidders presentation, verify functionalities / response times etc.

      If a Bid is not substantially responsive, it will be rejected by the Bank and may not
      subsequently be made responsive by the Bidder by correction of the nonconformity.

      The Bidder is expected to examine all instructions, forms, terms and specification in the
      Bidding Document. Failure to furnish all information required by the Bidding Document
      or to submit a Bid not substantially responsive to the Bidding Document in every
      respect will be at the Bidder's risk and may result in the rejection of its Bid.

 p. Bid Evaluation

      The Bank may use the services of external consultant for normalization of bids and
      evaluation of bids. Evaluation criteria proposed to be adopted will be Quality cum Cost
      Based System (QCBS) where Technical Bid Score will get a weight-age of 70 and
      Commercial Bid Score a weight-age of 30.


 q.   Arithmetic errors correction

      Arithmetic errors, if any, in the price breakup format will be rectified on the following
      basis:



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      If there is discrepancy between the unit price and the total price, which is obtained by
      multiplying the unit price with quantity, the unit price shall prevail and the total price
      shall be corrected unless it is a lower Figure. If the supplier does not accept the
      correction of errors, its bid will be rejected

      If there is discrepancy in the unit price quoted in figures and words, the Unit price, in
      figures or in words, as the case may be, which Corresponds to the total bid price for
      the item shall be taken as correct

      If the vendor has not worked out the total bid price or the total bid price does not
      correspond to the unit price quoted either in words or figures, the unit price quoted in
      words shall be taken as correct

      Bank may waive off any minor infirmity or nonconformity or irregularity in a bid, which
      does not constitute a material deviation, provided such a waiving, does not prejudice
      or affect the relative ranking of any bidder.

 r.   Contacting BANK

      Bidder shall NOT contact the Bank on any matter relating to its Bid, from the time of
      opening of Bid to the time a communication in writing about its qualification or
      otherwise received from the Bank

       Any effort by the Bidder to influence the Bank in its decisions on Bid evaluation, Bid
      comparison may result in the rejection of the Bidder’s Bid.

 s. Bank's right to accept or reject any bid or all bids

      The Bank reserves the right to accept or reject any bid and annul the bidding process
      or even reject all bids at any time prior to award of contract, without thereby incurring
      any liability to the affected bidder or bidders or without any obligation to inform the
      affected bidder or bidders about the grounds for the purchaser's action.

      The Bank is not bound to accept lowest or any BID received.

      The Bank reserves the right to accept or reject any technology proposed by the
      vendor.

      The Bank reserves the right to select one or more than one vendor keeping in view its
      large requirements.PE OF WORK




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 t.   BID EARNEST MONEY DEPOSIT

      Bidder has to submit the Bid Earnest Money of Rs.200, 000/- (Rs. Two Lakh Rupees
      Only) in the form of Pay Order/Demand Draft favoring The Managing Director The
      Orissa state Cooperative Bank Ltd. payable at Bhubaneswar.

      The Technical Proposals without EMD will be rejected straight away.
      No interest will be paid on the EMD.

      The Name and Address of the company should be mentioned on the backside of the
      DD.

      The EMD deposited by the Vendor may be fortified if the selected vendor fails to
      complete the pilot project within the time period agreed mutually by the bank and the
      vendor.

 u. Procurement of BID Application Forms: The Vendors can procures the BID
    Applications any time during office hours before the due date by way of DD / PO
    favouring ‘ The Managing Director, The Orissa state Cooperative Bank Ltd. payable at
    Bhubaneswar .
 v. Disputes and Arbitration In case of any dispute or differences, breach and violation
    relating to the terms of this agreement, the said dispute or difference shall be referred
    to the sole arbitration of President of Bank (OSCB) or any other person appointed by
    him. The award of the arbitrator shall be final and binding on both the parties. In the
    event of such arbitrator to whom the matter is originally referred to vacates his office
    on resignation or otherwise or refuses to do works or neglecting his work or being
    unable to act as arbitrator for any reason whatsoever, the President, Bank (OSCB) shall
    appoint another person to act as arbitrator in the place of outgoing arbitrator and the
    person so appointed shall be entitled to proceed further with the reference from the
    stage at which it was left by the predecessor. The CONTRACTOR will have no objection
    in any such appointment that arbitrator so appointed is employee of Bank (OSCB). The
    adjudication of such arbitrator shall be governed by the provision of the
    ‘ARBITRATION and CONCILIATION Act, 1996’ or any statutory modification or
    re-enactment thereof or any rules made thereof. The arbitration shall be held in
    Bhubaneswar.

 w. SUPPLY – TERMS AND CONDITIONS

      ASSIGNMENT: The Vendor shall not assign to anyone, in whole or in part, it’s
      obligations to perform under the contract, except with the Purchaser’s prior written
      consent.

      ACCEPTANCE OF ORDER: Purchaser has a right to cancel the order if the same is
      not accepted within a period of 5 days from the date of the order.




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     WARRANTY
     Comprehensive on-site warranty for all products / services should be mentioned clearly
     in the technical Bid.

     AMC: The vendor should mention the warranty period and Cost of AMC after warranty
     clearly in the Commercial Bid. AMC would cover all components without any exception
     except ATM consumables (printer ribbon, stationery, print head, Print band, Cassettes
     etc...)

 x. IPR Infringement

     As part of this project Bidder [Service Provider] will deliver different hardware /
     software. If the use of any such software by the Bank, infringes the intellectual
     property rights of any third person, Service provider shall be primarily liable to
     indemnify Client to the extent of direct damages against all claims, demands, costs,
     charges, expenses, award, compensations etc. arising out of the proceedings initiated
     by third party for such infringement, subject to the conditions the claim relates to
     Software provided/used by Bidder/Service provider under this project.

 y. Limitation of liabilities
    Save and except the liability under IPR Infringement, in no event shall either party be
    liable with respect to its obligations under or arising out of this agreement for
    consequential, exemplary, punitive, special, or incidental damages, including, but not
    limited to, loss of data / programs or lost profits, loss of goodwill, work stoppage,
    computer failure, loss of work product or any and all other commercial damages or
    losses whether directly or indirectly caused, even if such party has been advised of the
    possibility of such damages. The aggregate liability of Bidder / Service Provider, arising
    at any time shall not exceed the total contract value.

 z. Force Majeure
    The Bidder [Service Provider] shall not be liable for forfeiture of its performance
    security, liquidated damages or termination for default, if and to the extent that its
    delay in performance or other failure to perform its obligations under the contract is
    the result of an event of force Majeure. For purposes of this Clause, “Force Majeure”
    means an event beyond the control of the Bidder and not involving the Bidder’s fault or
    negligence and not foreseeable. Such events may include, but are not limited to, Acts
    of God or of public enemy, acts of Government of India in their sovereign capacity,
    acts of war, acts of Bank either in fires, floods, earthquake, strikes, lock-outs and
    freight embargoes.

     If a Force Majeure situation arises, the Bidder shall promptly notify the Bank in writing
     of such conditions and the cause thereof within twenty calendar days. Unless otherwise
     directed by the Bank in writing, the Bidder shall continue to perform its obligations
     under the Contract as far as it is reasonably practical, and shall seek all reasonable
     alternative means for performance not prevented by the Force Majeure event.

     In such a case, the time for performance shall be extended by a period(s) not less than
     the duration of such delay. If the duration of delay continues beyond a period of three
     months, the Bank and the Bidder shall hold consultations with each other in an
     endeavor to find a solution to the problem.

     Notwithstanding above, the decision of the Bank shall be final and binding on the
     Bidder.

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4. SCOPE OF WORK
    a. Scope of Work

         The vendor to design the layout for ‘Switch Solution and other delivery channels’
         taking into consideration the present and future requirements of the bank and the
         design should be robust, up gradable and scalable.

         The vendor to design the architecture, develop, test and implement ISO 8583 enabled
         Switch for inter branch / bank transactions, other Delivery Channels and the vendor to
         employ a proven technology, software and techniques in creating ISO 8583 standard
         based application.

         The implementation of the project including design, supply, installation, integration,
         testing, operationalisation and commissioning of Switch based Solution project will be
         the responsibility of the vendor, the deliverable include:

         Deliverables:

         1) Software:

              Enterprise-wide Electronic Fund Transfer Switch
              Front End Application for Monitoring & Controlling of all Delivery Channels
              Web based Card Issuance & Management Software for Centralized and
               De – Centralized [Instant Card] Card Issuance & Management for ATM cum
               Debit Cards & Financial Inclusion Solution.
              Centralized Finger Print Authentication Module for Bio-metric technology
               based ATM and POS [Point of Sales] terminals (Optional).
              Reconciliation & Settlement for Inter branch / Bank Transactions for all
               Delivery Channels
              Tele Banking [Interactive Voice Response System] (Optional)
              Mobile Banking [SMS Banking] (Optional)
              Financial Inclusion Solution Module (Optional)


    b. Posting of full time Engineer on site (At Switch Centre): The Bidder to post one
       full time engineer for a period of three months from the date of System goes live at the
       Switch Centre to resolve problems in coordination with Bank’s technical team and
       ensure stability of the System.

    c.   Audit Observations and Compliance: The Bank is subjected to various audits
         [internal / statutory / RBI etc.]. In the event of any observation by the audit regarding
         security and access control etc., of the system will be intimated to the Bidder. The
         Bidder to assist the Bank for compliance of the same.


    d. Project Monitoring Committee: A Project Monitoring Committee would be formed
       with representatives of the Bank and Project manager of the selected Bidder [Service
       Provider]. The role and responsibility of the Committee would be to resolve all the
       issues during implementation / Commissioning / Acceptance / payments etc. The
       Committee to meet on weekly basis or whatever period deemed to be necessary till the


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      entire project is completed and UAT is carried out. Subsequent to acceptance, the
      Project Monitoring Committee will meet monthly to review the performance of the
      network.

 e. Review Meetings: The Bank will review and discuss the performance of System
    fortnightly for the first three months after acceptance. Thereafter review meetings
    would be held monthly during first week of every month. The Bidder to submit Minutes
    of Meeting after the meeting.

 f.   Training: The Bidder to provide complete training on the entire Software, ATMs and
      all other Components etc., to the Head IT and other Key members of the IT
      Department.

 g. Payment Terms: 50% of the Software Cost will be paid after supply of the software.
    Balance 40% of the software Cost will be paid after successful implementation of
    Software. Balance 10% of the software cost will be paid after the warranty period or
    same will be paid against BG for the said period. TDS will be deducted as per the
    statutory rules. Statutory taxes/charges will be separately indicated as applicable. The
    Bidder must accept the payment terms proposed by the Bank. The financial bid
    submitted by the bidder must be in conformity with the payment terms proposed by
    the Bank. Any deviation from the proposed payment terms would not be accepted. The
    Bank shall have the right to withhold any payment due to the bidder, in case of delays
    or defaults on the part of the bidder. Such withholding of payment shall not amount to
    a default on the part of the Bank.

 h. Order Cancellation: The Bank reserves its right to cancel the order in the event of
    one or more of the following situations, that are not occasioned due to reasons solely
    and directly attributable to the Bank alone. Delay in customisation / implementation /
    installation beyond the specified period that is agreed in the contract that will be
    signed with the successful bidder. Serious discrepancy in the quality of service /
    hardware / software expected during the implementation, rollout and subsequent
    maintenance process




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5. BID EVALUATION METHODOLOGY
    a. Introduction

        The objective of evaluation methodology is to facilitate the selection of the technically
        superior solution at optimal cost. To meet the Bank’s requirements, as spelt out in the
        RFP, the selected Bidder must have the requisite experience in providing services in the
        field of EFT Switching and ATM technology, the technical know-how, and the financial
        wherewithal that would be required to successfully set-up the required infrastructure
        and provide the services sought by the Bank for the entire period of the contract. The
        evaluation process of the bids proposed to be adopted by the Bank is indicated below.
        The purpose of it is only to provide the Bidder [Service Provider] an idea of the
        evaluation process that the Bank may adopt. Bank reserves the right to modify the
        evaluation process at any time during the Tender process (before submission of
        technical and commercial responses by the prospective bidder), without assigning any
        reason, whatsoever, and without any requirement of intimating the Bidders of any such
        change. Any time during the process of evaluation Bank may seek specific clarifications
        from any or all the Bidder [Service Provider].

        Please be noted that Bank reserves the right to reject any proposal in case same is
        found
        Incomplete or not submitted in the specified format given in this RFP document the
        details of ‘Minimum Eligibility Criteria’, provided by the vendor in its response to this
        RFP, will be evaluated first, based on the criteria described hereunder.

        The technical and commercial responses to this RFP will be considered further only for
        those vendors who meet the Minimum Eligibility Criteria. Vendors must provide their
        responses in the format given in this BID.




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     Quality cum Cost Based System (QCBS)

     Evaluation criteria proposed to be adopted will be Quality cum Cost Based System
     (QCBS) where Technical Bid Score will get a weightage of 70 and Commercial Bid
     Score a weightage of 30. The technical and commercial response evaluation will be
     based on the criteria described in section onwards.


     Technical evaluation criteria, sub criteria and point system for the evaluation of Full
     Technical Proposals are:


              Sr.                           Criteria                        Points
                    1. Completeness of overall solution                            35
                    2. Compliance to technical requirements                        15
                    3. Technology                                                  20
                           Scalability                                5
                           Performance                              10
                           State-of-Art                               5
                    4. Vendor Track Record                                         10
                           Technology References                      5
                           Support References                         5
                    5. Implementation Plan                                           5
                    6. Service Plan                                                15
                       Organization
                       Spare Availability
                       Support Personnel
                       Service Level Agreement
              TOTAL                                                               100


             The minimum technical Score required to pass and qualifying
              for the commercial Bid is: 70 Points
             All qualified bids shall be subjected to further Financial
              evaluation by the Financial committee
             The commercial bids for bidders whose technical score is less
              than 70 points will not be opened.
             It may be noted that compliance to technical requirements have
              comparatively smaller weight at this stage as those which are
              technically deficient would not be short-listed for this stage at
              all.




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6. ANNEXURES
      l. Annexure 1: Proposed Network Diagram




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        m. Annexure 2: List of Locations

1. Main Branch (Pandit Jawaharlal Nehru Marg, Bhubaneswar)
2. Saheednagar Branch (Saheednagar, Bhubaneswar)
3. Ashok Nagar Branch (Western Tower Market Building, Unit-II, Bhubaneswar)
4. Cuttack Road Branch (Plot No. 236, Rout Complex, Laxmisagar)
5. Sailashree Vihar Branch (DAV Public School Campus, Chandrasekharpur)
6. Kalinga Hospital Campus Branch (Chandrasekharpur, Bhubaneswar)
7. Cuttack (Durgha Bazar, Cuttack)
8. Berhampur (Old Bus stand, Berhampur)
9. Sambalpur Branch (Main Road, Budharaja, Sambalpur)
10. Paradeep Branch (Madhuban)
11. Angul (Amalapada)
12. Rourkela Branch (Civil Market Area)




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            n. Annexure 3: Minimum Eligibility Criteria

This RFP is open to all firms / Companies both from within India and outside India, who are eligible to
do business in India under relevant Indian laws as in force at the time of bidding should fulfill the
eligibility conditions subject to the following requirements:

     All Vendors should quote for the entire project including all components on a turnkey basis.

     Only OEM / OEM authorized bidder can participate either directly or through Principal Vendor
      independently.

I] Total Solution Provider

   The vendor should have an ISO Certification (preferably CMM Certification).
   Participating vendor’s annual turnover for the past 3 years should not be less than Rs.10
    crorers.
     Principal Vendor should have ownership or have agreement with OEM Switching Software
      vendor for supply of the Switch Software.
     The Principal vendor and OEM Switch Software vendor should have their own development
      centers in India for product enhancements and customer support.
     The vendor should have minimum of 2 Switch based projects executed / implemented
      successfully in India.
     The Switch vendor / Principal Vendor should have sufficient experience in connecting to
      external networks for ATM Sharing and the vendor should have done at least 2 such projects in
      India.
     The Principal Vendor should have handled at least 2 projects integrated with TBAs / CBS other
      than their own TBA / CBS in India out of which 2 orders / installations should preferably in a
      State Co-operative Bank / any other Cooperative Banks in India [Turnkey Projects].
     The Principal vendor should have an interface to NFS (NPCI) and BANCS network, etc. with
      implementation experience on the same.
     The Bidder Company / Group should have experience of minimum 2 years in the similar
      business.
     The vendor has to give an undertaking along with the bid that their Switch software is
      compatible and can be interfaced with the existing set up of the Bank .


(Documentary proof for each of the above is to be provided.




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               o. Annexure 4: Technical Bid Covering Letter

The Managing Director,
The Orissa State Cooperative Bank Ltd.
Pandit Jawaharlal Nehru Marg,
Bhubaneswar - 751 001, Orissa

Sir,

Reg.: Our Technical bid for Implementation of Turnkey Project on EFT Switch and Other
Delivery Channels.


We submit our Bid Document herewith.

We understand that

        You are not bound to accept the lowest or any bid received by you, and you may reject all or
         any bid.

        If our Bid for the above job is accepted, we undertake to enter into and execute when called
         upon by the purchaser to do so, a contract in the prescribed form. Unless and until a formal
         contract is prepared and executed, this bid together with your written acceptance thereof shall
         constitute a binding contract between us.

        If our bid is accepted, we are to be jointly and severally responsible for the due performance of
         the contract. Vendor means the bidder who is decided and declared so after examination of
         commercial bids.

        You may accept or entrust the entire work to one vendor or divide the work to more than one
         vendor without assigning any reason or giving any explanation whatsoever.

        We here annexed a DD / Pay Order towards EMD for the Amount Rs 2,00,000/- as per the
         terms of RFP.



Dated at ____________this _______________day of __________2010


                                                                                            Yours faithfully

                                                                            For______________________

                                                                            Signature: _______________

                                                                            Name: __________________




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       p. Annexure 5: Technical Bid
                      i. Software:
           1. Enterprise-wide Electronic Fund Transfer Switch

Required specifications                                                                        Compliance   Remarks
                                                                                               Yes    No
Architecture: Open Architecture
Database: Distributed and Centralized Support
Operating Software
Open System Linux/UNIX/Any other Operating System, OS however should support the
existing system.
The system must be highly parameterized and support standard RDBMS/ Database like
Oracle / SQL (latest version).
The Switch processing architecture must take full advantage of multiple CPU
environments
Intuitive, easy to learn user interfaces including on-line help, pop-up hints, drop-down
lists, and data entry validation must be available.
The system should support personalized card limits by cardholder.
Card export utility providing new card data output for card production devices.
Processing modes:
System should support
On-line Mode
The system should support Instant Refresh of balances from the host to the        Switch.
Stand-in mode
 The system must support stand-in processing when the host is unavailable.
Card Grouping:
The cards need to be grouped. Each group of cards needs to be provided with its own
Transaction Limits, Transaction sets and authorization modes. This is required to allow
the Bank to define different set of rules for:
Different group of customers
Corporate and
Co-branded cards
The Switch should support all operative Account Types.
Multiple Account Support:
A customer’s ATM or Debit card will be required to be linked to multiple accounts of the
customer.       These accounts can reside in different branches and multiple cards can
access the same account. There should be no software restrictions on total number of
bank account types defined.
Message support:
The Switch should support both the 1987 & 1993 version of ISO 8583 message
interface. The ISO 8583: 1993 will be used for BANK HOST interface, other networks
interfaces (if required), payment systems interfaces (if required) and for interfacing all
external channels. The ISO 8583: 1987 version will be used for interfacing to SPNS,
other banks networks and other payment systems as required by the external
networks. In short, the switch should support ISO 8583 wherever the situation
warrants.

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Uploads:
The Switch should support uploads programs for both the Card data and the PBF data
in both these modes:
Full File Upload: The full file at the Switch will be replaced with the input file.
Partial File Upload: The data in the file at the Switch will be replaced, added or deleted
with data as available in the input file.
The Vendor has to develop the design of the file required (Both Card & PBF Data) for
upload to the Switch taking care of the security involved in transmission and file
handling.
Protocol support:
The Switch should support: TCP / IP to ATMs, Kiosks, Host, payment systems and other
channels and SPNS and other external Switches
Authorization modes
The Switch should support the following authorization modes:
Mode A: On-Line authorization from the branch when branch is on-line to the Switch.
Mode B: Automatic fall back to Card limit based authorization when an on-line branch is
temporarily not available.
Mode C: PBF or Card limit based authorization when branch is switched off at End Of
Day. This should be configuration parameter
HSM Connectivity: The Switch should support interface to HSM in both the ASYNC and
TCP / IP mode.
Should provide on-line signature verification for ABB Transactions and PIN verification
for ATM transactions.
ATM Cardholder transactions:
The Switch must be capable of supporting the following transactions for the Bank’s ATM
card holders:
Cash withdrawal from current/ savings a/c
Fast Cash, with and without receipt
Deposit to current/ savings a/c through Cheque / Cash
Funds transfer between same accounts of the cardholder
Mini Statement
Balance Enquiry of current/ savings a/c
Cheque book request for current/ saving a/c
Statement request for current/ saving a/c
Utility Bill payments
Payment to pre-defined accounts like Agency payments
Pin Change
Ticketing through Magnetic stripe card (Customization required, Study will be required.
Effort to be estimated)
Security Management:
Transaction Security
PIN verification methods (IBM 3624, VISA PVV)
PIN Block
PIN Block encryption and translation
Key Management
Unique Key per terminal
Key per domain (e.g. between switch and interchanges)
Dynamic key exchange including configuration
Triple DES support as mandated by Master Card & VISA
The Switch should support all methods of PIN verification & Standards as defined by
MasterCard and VISA.
The Switch should support for the following functionality and methods:

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Key Exchange & Management
PIN Verification
IBM DES
PIN Generation
Triple DES
The Switch should support interface both the static as well as Dynamic Key
management to ATMs, HOSTS, Payment Systems, Other Switches etc.
SECURITY:
The system should have adequate security built-in including these below:
Authentication - The software should have the ability to recognize individual users and
through password mechanism ensure that authorized users only gain access to the
system.
Authorization - It should be possible to assign specific actions to different users based
on the responsibilities/authority assigned to each user so that a user can perform only
the specific task assigned to him.
Audit ability - The system should enable determination as to which users have accessed
which resources and in what ways. Also all changes to the system should be stored
(Old Data versus New Data) and reflected in the audit reports.           The data (Audit)
should be available on line for a minimum of 3 months.
LOGS
Log files should be automatically archived. There should be no limit to the size of the
current transaction log file. The user should be able to decide the size of the log file.
The purging of log file should be an automated facility.
Reports
Flexible reports including output to computer screen, disk or printer. The bank should
be able to generate its own reports using any GUI report generator program.
The vendor should provide details of standard MIS Reports available in the switch and
for each one mention if it’s a graphical or ASCII report.
Besides the standards reports some additional reports required by the Bank should be
provided and no customization or development charges will be applicable for them.
Transaction History
There should be a chronological transaction history log for each cardholder.
The bank should be able to decide how many records to maintain in the history file.
ATM Related Functionality
The Switch should support dynamic updates for adding new cardholders, ATMs etc. to
the system.
Multilingual support must be provided at the ATM.
Enhanced ATM transactions including express cash, mini-statements, checkbook
requests, loan and utility payment, PIN changes must be supported.
Customizable user profiles for security permissions per system module.
Support for alternative media dispensing such as TC s, Stamps, Tickets etc.,
Electronic Journal Pickup
The Switch should interface to a leased line network, ISDN, GPRS, CDMA and a VSAT
network.
TRANSACTION SPLITTING:
The Switch should support splitting of a single transaction from an ATM or any Channel
to two different ISO 8583 transactions and routed to two different hosts
Transaction Diverting:
The Switch should support diverting of a specified transaction from an ATM or any
Channel to a different host (Other than Banking Host).
Alternate Media Dispense:
The Switch should support Alternate Media dispense support for dispense through the

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ATMs. The Bank may dispense Travelers Cheque etc through the ATM.
Cash Dispense Algorithm:
The Switch should support a Cash Dispense algorithm where at least one note of the
lowest denomination is always dispensed.
ATM support:
The Switch should support the following Emulations:
NDC+ Emulation
D 912 Emulation
Multilingual Support:
The Switch should support Multi-Lingual screen support for the ATMs
ATM Grouping:
The ATMs need to be grouped. Each group of ATMs will be provided with its
Transaction sets, Standard Screens and Multilingual Screens. The grouping and
linkages should be at configuration level. This is required to allow the Bank to define
different transaction sets and multi-lingual screens for ATMs at different Zones or
Regions.
BANKHOST Connectivity:
The BANK HOST application software will interface with the Switch for authorization
using ISO 8583 message formats. The following message types will also be
supported:
Log On & Response
Log Off & Response
Echo Test Messages & Response
Transaction Request Message
Transaction Response messages
Reversal Messages
Advise Message & Response
The ISO 8583 message formats of the Switch will be taken as input for development by
the BANK HOST vendor.
End of Day Operations:
The BANK HOST application software will upload a PBF file to the Switch for complete
online service to the ATMs.
The Switch will need to upload data to provide authorization in PBF mode or Card Limits
mode.
Begin of Day Operations:
Before the Begin Of day of the BANK HOST (BANK HOST’s that are operating in PBF
mode), the Switch has to extract and download to the branch BANK HOST all the
transaction data pertaining to the account belonging to their branch.
The BANK HOST will upload these to their database before declaring the branch open.
MIS Requirements: The Bank would have extensive MIS requirements. The reports
will need to be in both the Graphical and ASCII formats. Besides the Switch standard
reports, some of the additional reports required are included here.
Daily ATM settlement report
Daily Transaction Volumes
Detailed log of daily transactions
Detailed exception report.
Monthly ATM settlement report
Monthly transaction volume report
Total Transactions across all ATMs in a group area in a defined period in Bar Chart and
ASCII Report.
Total Transactions per ATM, ATM wise per day in Bar Chart and ASCII Report.
ATMs, ATM wise within a given period in Bar Chart and ASCII Report.


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Transactions mix of all transactions %age wise across all ATMs, within a given period in
Pie Chart and ASCII Report.
Active and passive card reports (ASCII & Graphical)
Active & Passive ATM Reports (ASCII & Graphical)
Hourly Transaction report per ATM, Group wise and across all ATMs. (ASCII & Line
Chart)
Cash dispensed report ATM wise, Group wise and across all ATMs – Within a range of
dates. (ASCII & BAR Chart)
Transaction wise report per ATM, group wise and across all ATMs (ASCII & BAR Chart)
Downtime reports – ATM wise, Group wise and across all ATMs giving the breakdown of
the reasons why an ATM was down. (ASCII & Graphical)
Average response times – Provide the average response time across all transactions
within a range of dates for a defined host. (ASCII & Graphical)
The Bank would be interested in dynamic report creation products. In this case, please
detail features and advantages clearly.
Middleware Features: The bank is looking for strong middleware capabilities of the
Switch. Vendors are requested to detail the middleware features, licensing policy and
functionality of the Switch.
Transaction Reversals (Network or Device failures): Reversals should be generated
based on the nature and every stage of transaction route.
Manuals
All manuals and documents regarding product specification, set up, security manual,
card operations, daily operations, backup and recovery procedures, ATM Cash balancing
manual, Settlement & Reconciliation manual, switch operation manuals including all
details related to switch operation and External Interface manual
Training: Details of training that will be imparted, location of the training and
associated costs. Areas to be covered are:
Switch Configuration
Daily Switch Operations
Card Management System
DPC Operation
ATM Monitoring / Management
Network Management
Infrastructure Requirement
The Proposal should spell out clearly the details of all hardware components and all
software components that are required for setting up the switch such that the
availability is 99.9% and the transaction response time is not more than 3 seconds.
GUI-based Client Interface
System setup and daily maintenance activities, such as customer card management and
system monitoring, should be in a user-friendly GUI environment. On-line help, field-
sensitive pop-up definitions, drop-down lists of valid parameter choices, automatic data
integrity checking all and such features that decrease maintenance time and increase
accuracy.      Detailed customer information, card issue default limits, or network
configuration data.
User-friendly Network Set-up and Maintenance
User-friendly procedures for adding new card issues, terminals, transactions, default
limits, etc. Changes made to the system environment are dynamically updated. All
system data is stored in relational database tables, and is totally accessible for
customized queries or reports. User-defined purge schedule for all system tables, based
on age of records and minimum number of records to retain regardless of age.
Network Monitoring and Control
Full network command and control, including system startup and shutdown; bringing


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ATMs in and out of service; downloading ATM terminal programs; initiating dynamic key
exchanges with ATMs and switches; sign-ons, sign-offs, and business day cutovers for
switches; etc.
Graphical monitoring of ATMs from client workstations, including cash and supply
positions, terminal statuses, communication history and transaction totals.
Monitoring of host authorizers and switches, including current and historical
communication statuses.
Reliability and availability
Any modification, up-gradation must be done without shutting down the system. It
should be possible to carry out all system changes, upgrades, maintenance etc.
Service Support
The bidder shall give list of its support centers explaining the strategy to promptly
attend to the complaints and to ensure Maximum up time. The bidder shall arrange for
training of at least Ten Officers of the Bank.
Multi – Channel support:
Operation of additional delivery channels should be supported [ISO 8583 Messaging
Format]
24 * 7 Non-Stop External Port Environments
[This will ensure all the external ports which are ported on the switching middleware
will run non-stop [24*7] and the middleware has the capability to re-start any ports
which are meant to run [24*7] automatically without any manual intervention, in case
the port is terminated abnormally through some invalid user operations or due to some
abnormal message or due to some network related issue]
Multi Processing/Instance Capability
[Ability to make maximum use of the multi-processing capability of the operating
system by allowing multiple instances of same application to be invoked based on the
configuration there by balancing the load at run time]
High Scalability
[Switching middleware should provide very high scalability for the application deployed
over it. Based on the requirement, middleware should allow the application to grow
with necessary changes only on the hardware front, Hence the middleware should allow
the same application to be deployed for very small requirement as well as very large
requirement without any change from the software perspective]
Highly Modularized & Fault Tolerant
[All the modules of EFT switch should run independently and should have very high
fault tolerant capability for the application deployed on it. This will ensure that,
problem/fault occurring in one module/process will not affect the other modules and
other modules will operate, as if nothing had occurred]
Layered N-Tier Architecture
[EFT switch should have a layered architecture which is separated through a
middleware]
Highly Parameterized/Configurable
Very High Throughput/Performance
Unlimited External Port/Device Support
[EFT should support unlimited no. of devices like ATM, POS, Kiosk etc]
Run Time Configuration
[All the devices/port should be added/modified without restarting the application at run
time]
Asynchronous Data Transfer
[Data transfer across the EFT switch should be in a asynchronous way, and no module
should wait for other module to respond]
Multi Institution ATM Support

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[EFT switch should allow the ATMs spread across multiple institutions/banks to be
interconnected]
ATM Grouping
[EFT switch should allows the ATM’s to be grouped based on their institution, brand,
location, functionality etc and once grouped, each group should have their own set of
states, screens, receipt printer templates, dispensing logic etc.]
ATM Downloads Supported

Following downloads should be supported for initializing the ATMs which can be issued
separately or as a group

       State Download
       Screen Download
       FIT [Financial Institution Table] Download
       Key Download
       Timer Download]

ATM Transactions Supported

       Fast Cash
       Withdrawal
       Balance Inquiry
       Funds Transfer
       PIN Change
       Mini-Statement
       Cheque Book Request
       Statement Request

Apart from the above Std Transactions, EFT switch should be capable of supporting
additional transactions, if the same is supported by the ATM]
ATM PIN Encryption Methods
[EFT switch should support both single & triple DES for ATM PIN Encryption]
Static & Dynamic ATM Dispensing Support
[EFT switch should support both Static & Dynamic dispensing logic configuration for
ATMs. Once any of the cassettes becomes empty, dynamically choose the dispensing
logic based on the notes available in the ATM]
Partial Dispensing Support
Screen Template Support
[EFT switch should support Screen template to be designed based on the bank’s
requirement for any dynamic data to be displayed on the ATM screen, for example
printing the available balance & ledger balance for a customer]
Receipt/Journal Printer Template Support
[EFT Switch should support printer template to be designed based on the bank’s
requirement which includes the data to be printed, alignment, font etc]
Electronic Journal Pulling
Multi Lingual Support
Multi Currency Dispensing Support
Multiple Account Linkage [OAR] Support
ATM Status Monitoring & Alerts
[EFT switch should support monitoring of the following ATM Status and based on the
configuration alerts (SMS/E-Mail) can be sent
         Offline & Out of Service,

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         Card Reader Fault
         Dispense Fault
         Receipt, Journal Printer Fault
         Supervisory Status
         Alarm Status etc]
ATM Commands [Following ATM commands should be supported by the EFT
switch
     State Download
     Screen Download
     FIT Download
     Miscellaneous Download
     Key Download
     FIT Download
     Go In-Service
     Go Out-Of-Service
     Shutdown
     Download Configuration Id
     Get Configuration id
     Get Supply Counters]
Dynamic ATM Addition
[Switch should support the addition of new ATMs without restarting the
application]
Multi Institution Support
Multi BIN Support
Multi Currency Support
ATM Sharing across multiple institutions
Transaction Routing/Business Logic
[EFT should allow each institution to configure the transaction routing logic based on
their business requirements]
CBS [Centralized]/Non-CBS [De- Centralized] Banking System Support
[EFT switch should support integration of both CBS & Non-CBS institutions and should
allow institutions to connect both their centralized branch as well as their de-centralized
branch at the same time]
Card Authorization Logic
[Switch should allow each institution to configure their own card authorization logic
based on their business requirements. For example, one institution might skip the limit
checking for bill payment and other institution might enable it]
External Network Support
[EFT should allow institutions to have their own set of connectivity with external
networks like (VISA, Master, and Other Switches etc)]
Unlimited Network Support
[EFT switch should allow the institution to configure any number of networks which
may be a Host [CBS/Non-CBS]/VISA/Master/NFS/External Switch]
Automatic Network Monitoring
[ Switch should monitor each & every network automatically by sending echo/probe to
the corresponding network in regular interval of time]
Network Key Maintenance
[EFT switch should allow the network to maintain the network keys based on the
requirement. If a network is connected with VISA/MasterCard, then network keys are
used for translating the customer entered PIN before routing the transaction to
VISA/MasterCard]
Network Fee Support

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Network Grouping
Support for Card/Card Status/Expiry Date/PIN/CVV/Limit/Account/Account
Status/Account Type/Card Type Validations and switch should support wide
variety of limits based on the bank’s requirement as follows
              o Individual Card based Limit
              o Individual Account based Limit
              o Card Type Based Limit (Limit based on Gold, Silver, and Platinum etc)
              o Account Type Based Limit (Savings, Current etc)
              o Any of the above combination
Multi Account Linkage
[Switch should allow the linkage of multiple accounts linked to a card and the same can
be displayed in the ATM]
Authorization Flow & Activity Configuration
[EFT should allow the bank/institution to choose their authorization flow and the list of
authorization activities [Card Validation, Card Status Validation, Expiry Date Validation,
PIN Validation, Account Validation, Account Status Validation, and Account Type
Validation, Card Type Validation etc.] to be performed based on their requirement and
most of the future requirements should be met by mere configuration of the
authorization flow & the list of activities to be performed for that transaction]
Security Protocol
[EFT switch should support both software based as well as HSM based
Key/PIN management]
Encryption Support
[Switch should support both Single/Triple DES]
Security Commands
[EFT switch should support the following security commands
Random Terminal Key Generation for downloading the keys to terminals [ATM, POS]
PIN Verification & PIN Offset Generation,
Network PIN Translation & Random Network Key Generation for downloading the keys
to external networks like VISA, Master, and other switches
CVV Verification]
Auto HSM Switching
[EFT switch should allow institutions to connect multiple HSMs and if the primary HSM
is down, it will automatically switch to secondary HSM until the primary HSM is up]
Transaction Life Cycle Configuration
[EFT switch should allow the institution to configure the transaction life cycle [Start of
the transaction to end of the transaction] for each & every transaction based on their
business requirement]
Dynamic Transaction Routing Configuration
[EFT switch should support the following routing logic
Routing based on device type (ATM, Kiosk, POS etc)
Routing based on Message Type (Transaction Request, Transaction Response, Reversal
request, Reversal response etc.)
Routing based on transaction type (Withdrawal, Balance Inquiry, Transfer, Statement
etc) & Routing based on Response Code (Good Response, Bad Response)
Routing based on Branch Code etc.]
Dynamic Transaction Splitting
[EFT switch should be capable of splitting a single transaction to multiple messages
based on the requirement and this can be also be configured
For example, for an inter branch fund transfer, even if it’s a single transaction, this
should be split into two messages (one for debit posting to the issue branch and other
for credit posting to the transfer branch).

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Also if the credit posting fails, switch should be configured to send one more debit
reversal message to the issuer branch. Like this a single transaction should be split into
many messages based on the requirement]
Dynamic Transaction Context Management
[EFT switch should be capable of maintaining the context of each & every transaction
until the transaction is completed and should have the capability of tracking the
transaction status and all the original transaction data should be recovered even if the
transaction fails at any particular point of time]
Dynamic Transaction Message Translation
[ EFT switch should translate any field to any defined value before posting the
transaction to another module/network and that too the translation will be done during
the run time when the transaction is hit]
Transaction Logging
[All the transactions which travel across all the modules of switch should be logged in
the database with all the necessary fields. EFT switch should allow the institution/bank
to generate any kind of transaction report based on their requirement]
Stand-In/SAF Support
[EFT switch support the following types of Stand-In Authorization for any institution
based on the configuration
Permanent Stand-In [Switch will authorize the ATM transactions on permanently on
behalf of the host [CBS/Non-CBS] based on some floor limits defined for each
customer/group of customers/institution]
Temporary Stand-In [Switch will authorize the transaction on behalf of the host
[CBS/Non-CBS] based on the PBF [Positive Balance File] which is uploaded during the
EOD [End of Day] operation in the host. Once the EOD is completed, switch will post
all the transactions which is done during the Stand-In mode to host and once all the
transactions are posted, switch will change the mode from Stand-In to online]
ISO8583 message support
[EFT switch support the following message types for ISO8583 external
network support
Network Echo, Log-On & Log-Off Messages [800/810 with different Network Code]
Authorization Message [100/110]
Transaction & Transaction Advice Message [200/210/220/230]
Reversal & Reversal Advice Message [400/410/420/430]
File & PBF File Upload/Download Message [320/330/600/610/620/630] Settlement
Message [500/510]]
Bio-Metric ATM & POS support [for Financial Inclusion]
[EFT switch should have the capability of supporting Bio-Metric ATMs and POS and if
needed should have its own finger print authentication server]
POS Support
EFT switch should be capable of integrating POS terminals should have the
following functionalities for POS
Terminal Management
POS Key Management
Merchant Management
POS Transactions

[EFT switch should support the following transactions for POS]

       Purchase/Sale
       Purchase with Cash Back
       Void (Cancellation of Sale/Purchase)


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      Reversal/Online Batch Settlement

Note: Based on the terminal capability, any new transaction should be easily supported
with mere configuration]
Mandatory PIN Change
[EFT switch should have an option of forceful PIN change for a new ATM cardholder
when he does a transaction in the ATM for the first time]




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2. Front End Application for Monitoring & Controlling of all Delivery Channels

Required Specifications                                        Yes         No        Remarks
User Profile/Group Creation & Maintenance
[User management sub system should allow bank to
create the group of users who are responsible for
controlling & maintaining the switch Some of the possible
profiles will include Admin, Manager, Supervisor, Operator
etc]
Privilege Assignment & Maintenance
[User management sub system should allow the
admin/super user to assign privilege to either group of
users or for a specific user based on the bank’s
requirement.       Each & every module/menu can be
accessed only based on the privilege assigned; otherwise
the module/menu cannot be accessed.
For example operator user can be assigned to perform
only monitoring related options and a manager can be
assigned to do controlling as well as monitoring related
activities]
User Activity Logging
[User management sub system should log the details of
each & every user who is logging into the Front-end
Application System along with the activity/operation
performed by the user which includes User Name/Id,
Login Date, Login Time, Logout Date, Logout Time,
Module Name, Activity Description]
Report Creation/Configuration
[Should allow the bank to create their own report totally
based on their requirement and also it allows the report
title/name to be configured, while creating the report.
Once the report name is configured, the same should
appear in the menu]
Report Field Configuration
[Should allow the bank to configure the list of fields which
should appear in the report based on their requirement.
For example for withdrawal report, the list of fields that
can be configured include CHN [Card Holder Number],
Transaction Date, Transaction Time, Transaction Serial
No, Terminal Id, Account No, Transaction Amount,
Response Code etc]
Report Condition Configuration
[Should allow the bank to configure the condition on
which each report should be generated and for example
for successful withdrawal report from ATM, the condition
will be
Transaction Type = Withdrawal
Response Code = 0
Terminal Type = ATM]
Report Header/Footer Configuration
[ Should allow the bank to configure the header & footer
image/text for each report along with the name]
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Report Font Configuration
[Should allow the bank to configure the list of Std. fonts
for each & every fields which is displayed in the report]
Standard Reports
Following Standard reports should be provided apart from
the bank specific reports
ATM based successful & unsuccessful reports
Transaction based successful & unsuccessful reports
Financial & Non-Financial transaction reports
Institution, BIN & Branch based reports
Exceptional/Reversal Transaction Reports etc
Supported Report Formats
Should support the following formats for generating the
end report
RTF [Rich Text Format]
Excel Format
PDF Format
ATM Monitoring
      [ATM Monitoring should monitor all possible
         hardware faults reported by the ATM and
         appropriate image & color should be displayed
         based on the hardware status. Also based on the
         configuration, SMS/E-Mail alerts should be sent for
         a particular set of status reported by the ATM.
         The following information should be displayed in
         the ATM monitoring window for each ATM through
         the web based GUI
      ATM ID
      ATM Location
      ATM Branch
      Current Hardware Status Reported
      Current Status [OK, Warning, Error, Critical] etc
      Possible Action [Action for rectifying the current
         hardware failure]
      Last Transaction as well as Last 5 Transaction
         Details etc]
ATM Cash/Cassette Monitoring
[ATM Cash/Cassette Monitoring should monitor the
current cash position prevailing in each & every ATM along
with the no. of diverts. The following information should
be displayed for monitoring the cash position of each ATM
through the web based GUI
Cassette No [A, B, C, D]
Total Notes Loaded
Notes Dispensed
Current Available Notes
No. of Diverts
Denomination [100, 500, 1000 etc]
Currency Code]

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Host [CBS/Non-CBS] Monitoring
[Should allow the bank/institution to monitor the Host
[CBS/Non-CBS] which is connected with the switch
through the web based GUI]
Network Monitoring & Control
[Should allow the bank/institution to monitor the External
Networks [VISA/Master/NFS] which is connected with the
switch through the web based GUI]
ATM Management/Controlling
[Should allow the bank to control the ATM from the web
based GUI by allowing them to issue the following set of
commands
      In service
      Out of service
      State download
      Screen download
      Fit download
      Key download
      Timer download
      Get counters
      Get configuration Id]
ATM Configuration
[Should allow the institution to add/configure the ATMs
which are connected with the switch. For any ATM, the
following details should be configured
Institution owning the ATM
Terminal Id
Location
Branch
Logical Group
Cassette Information etc]
Institution Configuration
[Should allow the institution to add/update/view their
institution related configuration like
Institution Id
Name
Institution Type [Bank/External Network like VISA, Master
etc]
Settlement Currency
Transaction Routing Group
Maximum PIN Retry Limit etc]
BIN Configuration
[Should allow the institution to add/update/view their BIN
related configuration like
BIN
BIN Description
Owner Institution
Maximum PIN Retry Limit etc]



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Branch Configuration
[should allow the institution to add/update/view their
Branch related configuration like
Branch Code
Branch Name
Owner Institution
Branch Type [CBS/Non-CBS]
24 * 7 Call Center Application Support
[Switch should have a web based Call Center application
which is capable of tracking a transaction and to exactly
report the issue raised by the customer as well as for
maintain the cards [Updating the status of Card as
Hot/Normal/Closed etc]
Multi Institution Reconciliation Support
[EFT switch should allow multiple institution transaction to
be reconciled and settlement reports should be generated
based on the banks requirement]
Multi BIN Reconciliation Support
[Switch should allow the multiple BIN transaction to be
reconciled for each institution and settlement reports can
be generated based on the banks requirement]
Multiple External Network Reconciliation Support
[Switch should allow transaction to be reconciled which
had traversed across multiple external networks like VISA,
Master, NFS etc.]
Multiple Branch Reconciliation Support
[ Should allow reconciliation between branches for any
institution which is having distributed banking system
[Non-CBS] environment]
Two/Multiple party Reconciliation
[Should allow reconciliation of transactions which are
generated between any two parties like [ATM/Switch,
Switch/Host, Switch/External Network etc] as well as multi
party      reconciliation     in    a       single     cycle
[ATM/Switch/Host/External Network] based on the
requirement]




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3. Web based Card Issuance & Management Software for Centralized and De
   – Centralized [Instant Card] Card Issuance & Management for ATM cum Debit
   Cards & Financial Inclusion Solution
Required Specifications                                        Yes        No        Remarks
Should be a Web based Application and can be
accessible from any branch / location
Centralized Issuance as well as De-Centralized
Issuance of Cards [Instant Card Issuance @
Branches]
Card Management Activities
[Card Management software should support the following
activities
Registration of the Cards
Modification of Customer Information
Authorization
De-Authorization
Pin Generation
Encoding-Embossing
Receiving Cards
Link File Generation
Issuance of Cards
Maintenance Of Cards etc]
Multi Institution Support
[Should allow to issue cards for multiple bank/institution
based on their requirement]
Multi BIN Support
Should allow the institution/bank to add multiple BINs like
[ATM Debit Card, VISA Debit, and Master Card etc] based
on their requirement
Multi Branch Support
Should allow the institution/bank to add multiple branches
and the branch code can be included as part of the CHN
generation depending on the bank’s requirement
Multi Card Support
Should support the following different types of card to be
issued by the institution based on their requirement
ATM Debit Card
VISA Debit Card
Master Debit Card
Gift Card
Pre-Paid Card
Instant Debit Card etc




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Unlimited Card Type/Group Support
Should allow the institution to issue cards with different
card type/group based on which they can set the daily
limit. For example, for the VIP customers they can issue
platinum cards with very high limit and for their staffs they
can issue gold cards with moderate limit and for their
normal customers they can set optimum limits. Should
support the following standard card types any institution
Gold Card
Silver Card
Platinum Card
Normal Card etc
Unlimited Account Type Support
Should allow the institution to issue cards with different
account type like savings, current, credit, loan etc
Card Limit Support
Should support wide variety of limits based on the bank’s
requirement as follows
Individual Card based Limit
Individual Account based Limit
Card Type Based Limit (Limit based on Gold, Silver, and
Platinum etc)
Account Type Based Limit (Savings, Current etc)
Any of the above combination
HSM/SSM Support
Should support both HSM based as well as software based
PIN generation and the software should be parameterized
based on the PIN generation methodology adopted by the
bank
Bulk Upload Support
institution should be able to upload the account no details
in a bulk, from a file generated from CBS/NON-CBS
database where all the account information will reside and
once this is done, the card should be automatically
generated for all the account no’s which are uploaded
along with the encoding & embossing information like
name, date of birth etc.
Secured PIN Generation
To ensure secured PIN generation, card management
software should allow PIN generation only based on the
bank security keys which has to be keyed in during the
PIN generation process. Bank security keys will be entered
by the bank while adding the institution and this key will
be stored in an encrypted format and every time the same
keys has to be entered for in order to proceed the PIN
generation process




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Online/Offline Data Upload Support
For activating the card, card management software should
allow the card related information to be uploaded to the
EFT switch in both online as well as offline mode. In the
online mode, all the information will be updated to switch
database directly, while in the case of offline mode, all the
information will be generated in a file, which will be
uploaded manually. Based on the bank requirement, they
can prefer any one of the modes
Highly Configurable PIN Mailer Support
Should allow the institution to configure their PIN mailer
stationary alignment according to their specific
requirement
Highly Configurable Issuance Letter Support
Should allow the institution to exactly configure their
issuance letter format based on their requirement.
List of Maintenance Activities
Following maintenance activities should be
supported by the card management software
Opening a New Card
Marking a Card as Warm/Hot/Lost/Stolen/Closed/Damage
Renewal of Cards
Reissue a Lost/Stolen Card
Re-PIN
Add On Card
Add on Account
Standard Instant Card Reports
Customer Information Report
Issuance Pending Report
Issued Card Report
Pending Card Status Report
Account Linkage Report
Some Required Features:
      Customer Grouping
      Card Grouping by institution for limits
      Card Grouping by product for limits
      ATM Card Generation – Manual Entry
      Customer Data Upload for Card generation.
      Support Full & Partial File generation of Card Data.
      Card Replacement
      Card Termination
      Data Purging
      Card Status Query & Report
      Card Status w.r.t. production cycle query &
         reports
      PIN Generation with HSM Interface
      Re-PIN
      Pin Printing on PIN Mailer Stationary
Card Issuance Letter

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Standard MIS/Reports
Account Linkage Report
Application Number Branch-wise
Branch-wise Cards Issued Report
Card Expiring in a Given Period
Card Status History
Cards Awaiting Authorization
Cards Not Normal
Customer Information
Damaged Cards History
Destroyed Cards Report
Encoding Embossing Report
Issuance Pending Report
Issued Cards
Month-wise Cards Issued Report
Parent Card Listing
Pending Card Status Report
Pending Switch Updation Report
Renewed Cards
Re-pinned Cards History
User Activity Report
Card Generation Life Cycle
Card Generation Life Cycle should include
Card Registration
Card Authorization
PIN Generation
Card Preparation [Encoding/Embossing] File Generation
Receive Cards
Data Upload to EFT Switch
Issuance of Cards
Note:
Card Management software should support the Instant
card generation, where in the physical card will be
prepared first without the embossing information and the
customer information will be uploaded to switch at the
time of card issuance.




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4. Centralized Finger Print Authentication Module for Bio-metric
   technology based ATM and POS [Point of Sales] terminals.
   (Optional)
  The solution should have a Centralized Finger Print Authentication System to
  support Bio-metric based ATMs and POS Terminals for Financial Inclusion purpose.




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   5. Reconciliation & Settlement for                                    Inter    branch       /    Bank
      Transactions for all Delivery Channels

                                                                     Compliance
                   Required Specification                                              Remarks
                                                                     Yes   No
A Comprehensive Reconciliation & Settlement system required
for Card Based transactions, which have to pave way to
maintain mirror bank transactions from the Bank’s
Switch/Host/ATM-EJ/Interchange/Tie-up Banks, for managing
net payments & receipts.
Reconciliation of ATM/POS transactions, which are acquired or
issued from its network, by its local and other banks customers.
The functioning of the Software needs to be centered for
reconciliation between the switch and interchange files. Various
interchanges needs to be supported such as ATM Sharing with
Banks, NFS, CASH TREE, VISA and MasterCard, BANCS Network
Functionality
As per the architecture, the Software Functionality can be
classified into following modules
Configuration Module:
BIN Configuration
BIN Range Configuration
Database Configuration
Fee Configuration
Key field Configuration
Reconciliation Configuration
Account Configuration for Interchange/Consortium/Tie up
Bank/ATM
ATM/Terminal Configuration
Upload Module:
Automatic Upload
Manual Upload
Reconciliation Module:
Automatic Reconciliation
Manual Reconciliation
Manual Host Reconciliation
Forcible Reconciliation of Suspects
Dispute Module:
Chargeback Our Customer
Chargeback Other Customer
Debit Adjustment
Credit Adjustment
Re-presentment
Reports:
User Management Reports
Reconciled/Un-reconciled Status Reports
Fee Reports
General Reports like Summary Reports
ATM wise Transaction/Cash In-Flow as well as Out-Flow Reports

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AGE Wise & Amount Wise unmatched break up Reports
Types of Reconciliation
Inter Bank Reconciliation
Reconciliation of transactions between the bank’s Switch files
and its tie-up bank files. The tie-up bank files can be in any file
format. Inter Bank reconciliation is for Off - Us and Remote On-
Us transaction.
Interchange Reconciliation
Reconciliation of transactions between the bank’s Switch files
and Interchange such as MasterCard and VISA. Interchange
reconciliation is for Off-Us and Remote On-Us transaction.
Inter-ISO          [Independent            Service         Operator]
Reconciliation
The Inter - IS reconciliation is to reconcile the Switch files with
Consortium files [like NFS, CASH TREE]. The files from the
Consortium can be in any format. This reconciliation is basically
for Off-Us and Remote On-Us transaction.
Host Reconciliation
The Host reconciliation is intended to facilitate easy automation
of the reconciliation of the Bank’s Host data with the switch
data. The Host file can be in any format. The uploaded host
file is reconciled with the switch file. This reconciliation is for Us-
On-Us and Remote On-Us transaction.
ATM EJ Reconciliation
Reconciliation of the transaction in the Switch and in ATM’s EJ
Log Files. This reconciliation is for Us-On-Us and Off-Us
transaction.
Merchant Reconciliation
Reconciliation of the POS transactions with the switch and host,
based on which the merchant-wise net settlement amount can
be calculated. All the Merchant information can be configured in
Merchant Configuration module.
Key Features
Switch/Host Independent
Transaction files received from various entities such as
switching software [IST/Switch, Base 24, etc.], Tie-up Banks,
Inter-changes, ISO and the bank Host software [Finacle ,
FlexCube, CBS, etc].
An Automated Compare Process
The usual time taking processes of manually matching all
transactions for reconciliation, fee calculation etc., should be
automated in the application.
Reconciliation Process




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Reconciliation Process needs to facilitate to match the
transactions taken from interchange, with the transaction
available in the Bank’ Switch. This process involves identifying
the transactions categorized as matched, pending and suspect
state. Matching takes place with the help of key fields. There
are two ways in which reconciliation can be done. One is
automatic reconciliation where matching all the fields such as
primary account number, transaction date, transaction time etc.
will take place. In manual reconciliation the records, which has
a small variance from the switch log, will be taken for
reconciliation. After the reconciliation, the system generates
all the necessary reports.
Four-Way of Reconciliation Process
A four-way of automatic comparing process taken place for a
transaction.
Four-way includes
• Switch-[Tie-up Banks/Interchange/Consortium]
• Switch-Host
• [Tie Up Banks/Interchange/Consortium] - Host
• Switch-ATMEJ
Rule Based Reconciliation Process
Rules have to be set for Reconciliation Process in a configurable
way. Normally, Reconciliation process takes place when all the
key fields configured are matched. In case of any Mis-match in
the key fields, then these transactions can still be reconciled
based on the rules configured.
Manual Reconciliation
Those transactions, which don’t have the matching record or
mis-match of any key fields during reconciliation, will be moved
to Pending State.
Manual reconciliation is the process in which the transaction in
pending state, needs to be reconciled. Reports for the manual
reconciliation can be generated that helps bank to keep track of
the transaction reconciled manually.
Forcible Reconciliation
Those Pending transactions that have not been reconciled with-
in the configured time period will be moved to suspect state.
Forcible reconciliation is the process in which the transaction in
Suspect state needs to be reconciled. Reports for the Forcible
Reconciliation can be generated that helps bank to keep track of
the transaction reconciled forcibly.
Flexible Fee Configuration
Fee calculation for each transaction can be calculated using Fee
Configuration. Fee amount is configurable for transactions such
as Withdrawal, purchase, Balance enquiry, etc transactions. The
Network usage fee can also be configured for each network.
The Fee configuration can also be categorized for both Domestic
and International transactions. The system allows for
configuring fees, for a Range of withdrawal amount and
Purchase amount.
Chargeback Management


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An issuer bank uses a chargeback to return a previously
accepted financial transaction of a customer, to an acquirer
bank, be it ATM or POS transactions. Usually, the Chargebacks
are raised based on a Customer complaint on card related
transactions.
This is one of the critical modules in a Reconciliation system,
where customer complaints are either settled or rejected, on
verifying the genuineness of the transaction. There are
procedures defined by the networks such as VISA, MasterCard
for handling charge backs. The systems handle the complete
lifecycle of chargeback Management
Easy to check facility
This software also enables the banks to view all the suspect and
pending transactions instantly. The system also provides all the
relevant log details that can be used for the audit purpose by
the bank.
Easy Key field configuration
The key fields identified for reconciling the transactions are
easily configurable and can be changed with ease whenever
required by the bank.
Purge
The purge feature eliminates permanently all the unwanted log
details from the application database.
User Management system
The user management system provided in the application
enables the bank to Create any number of users and assign the
privileges
Reports
The system provides exhaustive User-friendly reports. The
reports can be viewed, based on various criteria such as
Transaction wise, Reconciliation Status wise, Date wise,
Network wise, etc.
The reports can be exported into different formats such as PDF,
MS Word, MS Excel and RTF.
A Report file can also be generated in the cases where the
reconciliation output needs to be updated into the banking
system.
Technical & Business benefits
Increase the operating efficiencies of the bank, while it reduces
the costs involved in reconciliation activities
The system is highly scalable - Manages & processes huge
transaction volumes for Reconciliation & Settlement
The System has Four-way Reconciliation Process
The Reconciliation system is Switch and Host Independent
Easy calculation of the net settlement amount that is settled
across Tie-up Banks
Interchanges/Consortium’s
Easy calculation of Fees and net settlement fee amount for
individual networks
Error-prone manual reconciliation process due to over-sight is
eliminated
Detects for fraudulence or faulty claims

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Ensure that the accounting system correctly tracked the flow of
funds
Regular checks on bank accounts, which were important to
ensure that they remained in balance
One        time       configuration       of    new      Tie-up
bank’s/Interchanges/Consortium as well as corresponding Bin’s
Easy     configuration    for    additional  BIN   for   Tie-up
bank’s/Interchanges/Consortium
Future changes in message format can be added comfortably
without requiring any customization
Easy way for register chargeback and knowing full transaction
details before raising chargeback
Reports can be exported into different formats such as PDF, MS
Word, MS Excel, RTF etc.




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6. Tele Banking [Interactive Voice Response System] (Optional)

S. No                   Required Specification                       Compliance          Remarks
                                                                        Y         N
  1       FEATURES

          Tele-transaction details log
          CRM Messages
          On-line Call Progress View
          Configurable to Multi-region or Single-region
          Configurable Message Structure
          Multi-language Support
          Auto Operator Assistance
          GUI-Interface
          Line Monitoring
          Comprehensive Range of Services
          External Interface: It will interface with any SWITCH
          using the ISO 8583 message structure.
          Customizable
          Security
          Customer-wise Transaction
          Channel Information
          Language option on a Separate Line
          Security

  2       TRANSACTIONS SUPPORTED

          Balance Enquiry
          Statements Enquiry
          Statement Request by Fax or Courier
          Cheque Book Request
          Funds Transfer
          Bill Payments
          Report Your Lost ATM Card
          Product Information
          Exchange Rate Information
          Cheque Status Enquiry
          Stop Cheque Request
          SECURITY FEATURES
          TPIN
          Password
          PIN activation
          Message Encryption
          3-time Entry




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          7. Mobile Banking [SMS Banking] (Optional)
Required Specification                                                                      Yes      No    Remarks
Features of Mobile banking software
    Mobile Banking Member Registration
    SMS Schemes
    SMS Alerts/Types Interrogation
    SMS(Request and Reply)
    Bulk SMS SMS Server (All SMS Transaction)
    Activation/Deactivation All Types of Transaction
    Master Report General utilities like backup, recovery, import and export of
       data
    GSM Utility Screen User/Group Security

Transactions Supported
     Balance Inquiry
     Interest Rate Details
     Cheque Status inquiry
     Transaction Alerts
     Mobile number changing Facility
     Information Alerts
     Wishes Alerts
     A Help menu, for the transaction code for the various transactions.
How the system should work
Mobile Banking Member Registration
Process Activation/Deactivation of the Mobile Banking Member
Alerts/Alert Types
Event Scheduler (Periodical SMS Alerts)
SMS Transaction Server
Sending SMS Through GSM Unit
Receiving SMS Through GSM Unit
Advantages GSM based SMS Solution
Multi type SMS Transaction
Automatic Alerts based on Account Transactions
Interrogation SMS
Monitor the total SMS Transactions.
Reports as required by the user Flexible since all the values are parameterized
Reduction in paper work Multi user Support
Security
The solution has all of the following security features:
ID when accessing information services PIN when initiating transaction Usage of
dynamic SMS passwords Blocking access to the service if a PIN is entered incorrectly
three times Setting of transaction limits Electronic receipts (notification of transfers,
payments and cash withdrawals made) Various combinations of the above
Key Benefits
High level of security based on various features System effectiveness due to the
reduction of manual data entry (the system has many standard templates). System
parameterization and scalability User-friendly graphical environment for client scenario
development Subscriber’s mobile phone number can be used as an additional
identification (security) means Subscriber stop-list maintenance Variety of report
forms System activity monitoring

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    8. Financial Inclusion Solution Module (Optional)

        Solution Overview

        The FI solution architecture would include Data Center facility which will host the Financial
        Inclusion Servers. The Proposed Data Centre facility will have dedicated connectivity to
        respective bank’s Data Centre and Disaster Recovery centre. The Financial Inclusion servers
        hosted at the DC facilities would be configured for carrying out field transaction using Financial
        Inclusion application software. The FI application server may be integrated with the Bank’s
        Backend Server/ existing Core Banking application/TBA application for Data interchange if so
        desired by the Bank. As we are proposing pure online transaction, Financial Inclusion solution
        offered would heavily depend on the connectivity for carrying out the daily business
        transactions using handheld devices supported by GSM technology. This architecture also
        includes Business Correspondents who are the custodians of the handheld devices falling under
        their business area. They in turn are linked to their respective designated link branch of the
        bank for carrying out their day to day operations under Financial Inclusion. We are proposing
        Plastic card where the customer ID number, photo, Name and address would be printed on the
        card and all the data including customer finger print would be stored in the Intermediate
        server. The customer gets authenticated real-time by the intermediated server on GSM. As the
        transactions are online this gives great advantage to the customer to move across to any
        authorized Customer Service Point(CSP) In the Intermediate server the customer ID may also
        be related to UID. Enrolment of the customer would be done in the hardcopy of KYC form of
        the bank, Customer finger print would be captured in the Hand Held Device (HHT) and
        uploaded to Intermediate Server (IS). The physical KYC forms are send to back office where
        the data entry is done and uploaded to IS. The data so captured is sent to bank for approval
        and account are created for the approved customers. The data of approved customers is sent
        to personalization. Personalized cards are sent to the BA for distributing to the end customer.
        The account/card is activated on first usage by the customer after necessary validations using
        Biometrics.

               Intermediate server other computing & Network equipment Security equipment like
                firewall etc.
               Connectivity between Intermediate server & Bank Data Centre
               Hosting services
               Finger print Duplication solution
               Single Integrated Hand Held Terminal with Enrollment and Transaction software
               Plastic card Personalization

Required Specification                                                             Yes   No     Remarks

Financial Inclusion Server

The server will host the entire database for the zone/circle that is serviced
under FI. The FI Solution will have a total setup including, application
servers, database servers in place to ensure a secure network system is
provided for the operations. Under the requirements of the FI Solution the
software at the server will hold the following features:
1. Client Details
2. Account Details (Savings, Loans, Deposits)
3. Image Module
4. Card Management Module


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5. Backend Server Interface module (Bank’s Backend Server and CBS
server)
6. Handheld Interface Module
7. Handheld security module
8. Transactions Module
9. Handheld Transactions batch upload Module
10. Handheld transactions reconciliation module
11. Handheld transactions download requests module
12. Cash Module
13. Deposits
14. Remittance
15. Insurance
16. Pension payments
17. Transfer of funds
18. Account closure
19. Flagging of dormant/inactive accounts
20. Uploading/downloading facility in offline/online
21. Downloading of interest paid/loan repaid transactions
22. Asset classification
23. Interest application for loans/deposit accounts
24. Queries
25. Reports
26. Access Menu
27. Audit Trial
28. Start of Day/End of Day Module
Business continuity plan
Policy: In the endeavor to ensure the continuation of the bank’s business
even in all the exigencies, the IT resources of the bank will be so managed
as to provide normal standards of service and to mitigate the impact of any
disaster on time and other resources. Procedures
1. In spite of various security measures, certain risk of unforeseen mishap
still remains, for which the disaster recovery plan / business continuity
(BCP) plan Is essential to meet the exigencies in a coordinated and pre-
determined manner.
2. BCP should encompass the IT as well as business assets, to gauge their
availability and provide for the alternate means. Such IT and business
assets will include:
a. Data
b. Hardware & Network equipment
c. Power Supply
d. Software
e. Procedures & Directives
f. Manual records & computer generated reports Human Resources
3. BCP will be drafted taking into account partial / complete non-availability
of all types of resources including IT. Such BCP should assess the related
impact on the various business functions and suggest corrective actions to
suit each anticipated casualty.
4. Distinct continuity plans should be devised, each catering to a specific
set-up of the bank, like say a branch working under Core Banking, branch
working under local database, Data Centre, RO, HO, etc. However, they will
have a common set of considerations, as under.

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5. To devise such plans, the HO will constitute different groups, each
focusing on development of one BCP.
6. Data owner and custodian will have a pivotal role in BCP, to fulfill their
responsibility of ensuring data availability. In the process of drafting the
BCP, data owner shall provide inputs based on the degree of criticality of
data, and also the time and cost needed for its replacement, if the data is
lost. Based on these inputs from data owner, the data custodian shall then
plan out the alternative measures of the related activities. As the scope of
BCP is not confined to IT matters alone, a group / committee will be
constituted for task of drafting BCP, which will have representation from IT
and also from other functions, at HO
7. Each plan will be assessed by IS Security Cell and will then receive an
approval of the Information Systems Security committee for the necessary
commitment of resources.
8. The BCP will be tested initially as a document and subsequently as a
process for its degree of practicality and protection it really offers as a
corrective control. There should also be drills of BCP testing at periodic
intervals.
9. The BCP will also need to undergo a periodic, say annual, exercise of
security review. Such review may also be followed by revision, if necessary.
10. Special efforts and resources are needed for BCP of the data center that
will also cover a Disaster Recovery Site (DRS).
11. Adequate insurance policies should be taken to cover the cost of
replacing IT equipments in the event of a disaster.
Business Agents
The Handheld Device used by the business agents will talk to the FI Server
using the Interface module of the FI to talk to the system. The security
module will verify the authenticity of the device and then verify the current
status before providing logging in to the FI System.
Card Management, Issuance and De-Duplication
In the financial transaction systems being envisaged, the plain plastic card is
the first step to initiate a transaction. In such systems every customer and
operator/Business Correspondent (BC) owns a card and it forms the single
direct way to access the owner’s privileges (i.e. a customer can access
her/his account whereas a BC gains permissions to operate the system on
behalf of the financial institution). As such, it becomes very critical to
monitor and manage the cards that have been issued. Card Management
Systems (CMS) need to handle the activities of card issuance and reissuance
(in case of lost cards), card deactivation, blocking of lost cards, maintaining
an inventory of cards, handling add-on cards, maintaining security keys and
related machinery. In the case where all the cards are not issued from one
central location, the CMS needs to also manage the authorizing agents for
each nodal issuing centre. There would be a central CMS database and a
mechanism to link it with the customer database of the financial institution.
Enrollment Station Enrollment DB Fingerprint De-duplication Card Mgmt DB
Customer DB
Card Issuance, Add-on Card, Blocking…
The Enrollment Stations would need to capture fingerprints (as many as
mandated), personal details, a photograph and a signature (if mandated).
The captured data would need to be collected and stored in the Enrollment
database, which will do some preliminary processing of the data. The de-
duplication activity would perform text as well as fingerprint verification to

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check for duplicates. As an advanced feature, it is conceivable to think of
photograph de-duplication.
Online Transaction flow of Hand Held Terminal
Customer displays the Plastic card and requests for deposit / withdraws.
CSP punches the customer number in the HHT and the transaction request
send to Intermediate server with finger print template Customer finger print
template is authenticated against the template stored in server Transaction
response received at HHT The output is printer in the receipt. The customer
receives the amount and printed receipt Enrollment station Secured mode of
data transmission to server
Hand Held Terminal
Finger print for authentication of customer Transaction request and
response from HHT to IS is secured with SSL
Intermediate server
Transaction request and response from HHT to IS is secured with SSL
Standards/      protocols     supported/      used     between         different
components/modules in the total solution
ISO 8583 Standard for transaction request and response between HHT and
Intermediate server
ISO 8583 Standard for transaction request and response between
Intermediate server and Bank core banking system
As per Reserve Bank of India guidelines biometric finger print data to be
stored, recorded, transmitted, compared as per ISO/IEC 19794. ISO/IEC
19794 – 2 with respect to hardware for Finger Miniature data ISO/IEC
19794 – 4 with respect to software for Finger Image data
Connectivity: GPRS/CDMA
Online Transaction flow of Hand Held Terminal
HHT is connected to Intermediate sever through GPRS/CDMA/SMS
Customer transaction request is send to Intermediate server through
ISO8583 message format , here HHT is authenticated on the bases on
unique HHT- ID and password Intermediate server send the request to core
banking server in ISO 8583 format Bank’s core banking system authorize
the transaction to Intermediate server Intermediate server sends response
to HHT
In offline mode, the transactions are stored in the HHT and downloaded
at the end of the day in the branch either through connectivity or manually
and uploaded to FI server for consolidation. Provision for both will be
available.
Features of Hand Held Terminal
HHT uses GPRS/CDMA/SMS to connect to Intermediate server ISO8583
Standard message format is used for transaction Java card technology is
used for secured data transfer between HHT and smart card Banking
transactions like savings, current, fund transfer, overdraft facilities can be
provided Non banking transactions like Life insurance, health insurance etc
can be integrated
Customer Card – Contact less Smart Card
Conforming to ISO 14443 standards Supporting MiFare Protocol (Optional)
Symmetric Key Support (DES/ Triple DES Algorithm)
PKI enabled 32 K EEPROM Memory Conforms to Global Platform
Specifications
Services Available
Services for a Bank A/c Holder : This means that a A/c holder will bring a

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Smart Card with himself which will be scanned and the same persons thumb
impression will be validated with the impression stored in the card. This will
authenticate the customer for the following services in an online mode.
Cash Deposit with limit as defined by the bank. Cash withdraw with limit as
defined by the bank. INTRA Branch Funds Transfer Cheque Deposit – can
operate as clearing but when given to BC would be treated as an entry.
Cheque Book Request Balance Enquiry Mini-Statement Statement Request
Utility Bill Payment Insurance Intimation / Deposits Remittances Issue
Pension
NREGA Payments
Services for a general Customer: All those visiting / proposed customer who
are interested in the Bank / BC / Agent services will be received here Basic
information for services provided as per following will be displayed
Application for A/c opening and Details capturing screens.
Interaction with Customer and their track recording Document Management
Issuing Expression of Interest Approval /Rejection of Application
Remittances Issue EMI Calculator Loan Calculator Amortization schedule
FD/RD/SB Interest Chart Remittance Commission Chart




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ii.      Hardware & III Party Software requirements


      Application Software                                   Hardware        III Party Software
      1. Enterprise-wide           Electronic     Fund
          Transfer Switch
      2. Front End Application for Monitoring &
          Controlling of all Delivery Channels
      3. Web        based      Card      Issuance    &
          Management Software for Centralized
          and De – Centralized [Instant Card] Card
          Issuance & Management for ATM cum Debit
          Cards & Financial Inclusion Solution.
      4. Centralized Finger Print Authentication
          Module for Bio-metric technology based
          ATM and POS [Point of Sales] terminals for
          Financial Inclusion. Optional
      5. Reconciliation & Settlement for Inter
          branch / Bank Transactions for all Delivery
          Channels
      6. Tele Banking [Interactive Voice Response
          System] Optional
      7. Mobile Banking [SMS Banking] Optional
      8. Financial Inclusion Solution Module
          Optional




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iii.    Project Management

                        o   Project Management Methodology
                        o   Proposed Project Organization
                        o   Project Communication Plan
                        o   Project Risk Management Plan
                        o   Detailed Project Plan. Should include the entire schedule in detail day
                            wise/week wise.
                        o   Details of process flow

iv.     Customer Feedback

v.      Masked Commercial Bid

The Bank reserves the right to cancel the bid at the time of commercial evaluation if format / detail
(except price) of ‘Masked Commercial Bid’ does not match with format/detail of actual Commercial Bid.

vi.    List of deviations (as per Annexure - 9)

vii. Technical Proposal Covering Letter (as per Annexure – 4)

Note: Bidder must submit softcopy of complete technical bid inside the sealed envelope meant for
‘Technical Proposal”.




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                               a. Annexure 6: Commercial Bid Covering Letter


Date:

The Managing Director,
The Orissa State Cooperative Bank Ltd.
Pundit Jawaharlal Nehru Marg,
Bhubaneswar - 751 001 Orissa

Dear Sir

Commercial Bid – Implementation of Turnkey Project on EFT Switch and
other Delivery Channels

We offer to provide services for the above-mentioned project, in accordance with your
Request for Proposal [Insert RFP Number] dated [Date], and our Proposal (Technical
and Commercial Proposals). The Total fee is inclusive of all taxes, duties, charges and
levies (as applicable and payable under the local laws) and out of pocket expenses
that we might incur and there will be no additional charges.

Our commercial proposal shall be binding upon us, subject to the modifications
resulting from contract discussions, up to expiration of the validity period of the
Proposal, i.e., [Insert date].

We remain,

Yours sincerely,

Date Signature of Authorized Signatory …
Place Name of the Authorized Signatory …
Designation …
Name of the Organization…
Seal




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                              b. Annexure 7: Commercial Bid

The structure of the Bidder’s commercial response to this tender must be as per following order. Any
extra information may be provided as separate section. Commercial Bid Response must be submitted
with Commercial Bid covering letter, format of which is given in this document.

                                                                     Unit
                                                                                       Total
S No                         Description                            Price     Qty                   Remarks
                                                                                       [INR]
                                                                    [INR]
 1     Software:

           1. Enterprise-wide Electronic Fund Transfer
               Switch
           2. Front End Application for Monitoring &
               Controlling of all Delivery Channels
           3. Web based Card Issuance & Management
               Software for Centralized and De – Centralized
               [Instant Card] Card Issuance & Management
               for ATM cum Debit Cards & Financial Inclusion
               Solution.
           4. Centralized Finger Print Authentication
               Module for Bio-metric technology based ATM
               and POS [Point of Sales] terminals for Financial
               Inclusion. (Optional)
           5. Reconciliation & Settlement for Inter
               branch / Bank Transactions for all Delivery
               Channels
           6. Tele Banking [Interactive Voice Response
               System] (Optional)
           7. Mobile Banking [SMS Banking] (Optional)
           8. Financial Inclusion Module (Optional)
       Implementation Charges if any (Indicate for Optional
 2
       Items separately)
       One time customization Charges if any (Indicate for
 3
       Optional Items separately)

       Total

       The man-day charges for any additional customization
 4
       / functionalities apart from UAT
       Other Terms and Conditions [Annex Separate Sheet if
 5
       required]

All charges for Optional items indicated above must be mentioned separately.




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Bidders are requested to note the following:

      All the details must be provided as per this format only. Incomplete BIDs will result in rejection
       of the proposal.

      Masked commercial bids must be given with Technical Bid.

      All the pages of commercial bids must be sealed and signed by authorized signatory.

      All the quoted costs must include all applicable taxes and other levies.

      Applicable Service Tax will be paid on actuals Service provider is to quote as per format given
       in this BID.

      Bidder must submit softcopy of complete commercial bid inside the sealed envelope meant for
       ‘Commercial Proposal’.

      All the rates must be quoted in INR.




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                               c. Annexure 8: Letter of Competence

                    [To be executed on a non judicial stamp paper]

Letter of Competence for Quoting in response to Bank’s RFP No. /……………..



This is to certify that we [Insert name of Bidder], Address…………………..are fully competent to
undertake and successfully deliver the scope of services mentioned in the above RFP. This
recommendation is being made after fully understanding the objectives of the project and requirements
like experience etc.

We certify that the quality and number of resources to be deployed by us for implementation will be
adequate to implement the connectivity expeditiously and correctly and provide the services
professionally and competently.

We also certify that all the information given by in response to this RFP is true and correct.



Authorized Signatory of the Bidder

Date:




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                              d. Annexure 9: Statement of Deviations

Bidders are requested to provide details of all deviations, comments and observations or suggestions in
the following format with seal and signature. You are also requested to provide a reference of the page
number, state the clarification point and the comment/ suggestion/ deviation that you propose as
shown below.

Bank may at its sole discretion accept or reject all or any of the deviations, however it may be noted
that the acceptance or rejection of any deviation by the Bank will not entitle the bidder to submit a
revised commercial bid.

Implementation of Turnkey Project on EFT Switch and other Delivery Channels – List of Deviations
Clarification point as stated in the tender document

     Page Number         Comment / Suggestion                            Deviation
          1
          2
          3
          4
          5




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                                   e. Annexure 10: Performance Guarantee Format
                                       (Sample Format)

To be executed on a non - Judicial Stamped paper of the appropriate value known to all men by these
presents that in consideration of the Bank incorporated under the -----------------act, -------, having its
Registered Office at ---------------------------( hereinafter called the Bank) having agreed to accept from
M/s. [Vendor Name] having its office at ‘Vendor’s Office Address’, (hereinafter called "the Vendor") an
agreement of guarantee for Rs. _______ (Rupees _____________________ only), for the due
fulfillment by the vendor of the terms and conditions of the Purchase order No.________________
dated __________ made between the vendor and the Bank for providing services for ‘Project Details’
hereinafter called "the said Agreement”).

    1. We, xxxx Bank do hereby undertake to indemnify and keep indemnified the Vendor to the
       extent of Rs. _______ (Rupees_____________________ only) against any loss or damage
       caused to or suffered by the Bank during warranty period by reason of any breach by the
       Vendor of any of the terms and conditions contained in the said Agreement of which breach
       the opinion of the Bank shall be final and conclusive.

    2. And we ‘Vendor’ do hereby guarantee and undertake to pay forthwith on demand to the Bank
       such sum not exceeding the said sum of Rs. _______ (Rupees _____________________ only)
       only as may be specified in such demand, in the event of the vendor failing or neglecting to
       execute fully efficiently and satisfactorily the order for implementation services for the ‘Project
       Details’ placed with it (the work tendered for by it) within the period stipulated in the said
       Agreement in accordance with the design, specification, terms and conditions contained or
       referred to in the said Agreement or in the event of the Vendor refusing or neglecting to
       maintain satisfactory operation of the equipment or work or to make good any defect therein
       notified by the Bank to the vendor during the warranty period or otherwise to comply with and
       conform to the design, specification, terms and conditions contained or referred to the said
       Agreement.

    3. We, the Bank, further agree that the guarantee herein contained shall remain in full force and
       effect during the period that would be taken for the performance of the said order as laid down
       in the said agreement including the "Warranty obligations" or till validity date of this guarantee
       i.e. up to ________, whichever is earlier and subject to the terms of the "the said Agreement”
       it shall continue to be enforceable for the breach of warranty conditions within warranty period
       and till all the defects notified by the Bank to the vendor during the Request for Proposal:
       Implementation of Turnkey Project on EFT Switch and other Delivery Channels.

        Private and Strictly Confidential: Warranty period have been made good to the satisfaction of
        Corporation & the Corporation or its authorized representative certified that the terms and
        conditions of the said agreement have been fully and properly complied with by the vendor or
        till validity of this guarantee i.e _________, whichever is earlier.

    4. We, the Bank, may extend the validity of Bank Guarantee at the request of the Vendor for
       further period or periods from time to time beyond its present validity period, but at our sole
       discretion.

    5. The liability under this guarantee is restricted to Rupees ________/- only and will expire on
       _________ and unless a claim in writing is presented to Bank within 3 months from _________
       , i.e. on or before _________, all your rights will be forfeited and we shall be relieved of and
       discharged from all our liabilities there-under.

                                 The Orissa State Cooperative Bank Ltd.

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           RFP for the Implementation of Turnkey Project on EFT Switch and other Delivery Channels




   6. The Guarantee herein contained shall not be determined or affected by Liquidation or winding
      up or insolvency or closure of the Vendor.

   7. The executants has the power to issue this guarantee and executants on behalf of the Bank
      and hold full and valid Power of Attorney granted in their favor by the Bank authorizing them to
      execute this guarantee.

   8. Notwithstanding anything contained herein above, our liability under this guarantee is
      restricted to Rs. _______ (Rupees _____________________ only). Our guarantee shall remain
      in force until ________. Our liability hereunder is conditional upon your lodging a demand or
      claim with Bank on or before _________. Unless a demand or claim is lodged with the Bank
      within the aforesaid time, your rights under the guarantee shall be forfeited and we shall not
      be liable there under. This guarantee shall be governed by and construed in accordance with
      the laws of India. All claims under this guarantee will be made payable at Bank (Bank Name
      and Details). This Guarantee will be returned to the Vendor when the purpose of the guarantee
      has been fulfilled or at its expiry, whichever is earlier. We, Bank (Bank Name and Details) lastly
      undertake not to revoke this guarantee during its currency except with the previous consent of
      the Vendor in writing.

In witness thereof we ...................... have set and subscribed our hand and seal this
........................day of .........................2010.

SIGNED, SEALED AND DELIVERED BY AT IN THE PRESENCE OF WITNESS :

   1) Name..........................
   2) Signature.......................
   3) Designation..................

   4) Name .............................
   5) Signature.........................
   6) Designation...................




                                     The Orissa State Cooperative Bank Ltd.

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            RFP for the Implementation of Turnkey Project on EFT Switch and other Delivery Channels




                                f. Annexure 11: Vendors Details

 Details filled in this form must be accompanied by sufficient documentary evidence, in order to verify
 the correctness of the information.

S. No     Item                                                   Details
    1.    Name of Company / Leader of the Consortium
    2.    Postal Address
    3.    Telephone and Fax numbers                              Telephone:             FAX:
    4.    Constitution of the Company
    5.    Name and designation of the person authorized to
          make commitments to the Bank [An authorization
          letter is required from the company]
    6.    Email Address
    7.    Year of commencement of Business
    8.    Sales Tax Number
    9.    Income Tax Number
    10.   Location of Development / Manufacturing facility
    11.   ISO / CMM Certification [Pls annex the Document]
    12.   Last three years audited balanced sheet with
          profit and loss account statement. Copies of
          Memorandum & Article of Association and
          Certificate of Incorporation of all the vendors /
          Consortium

                                    DETAILS OF SERVICE CENTERS

                        S. No     Place     Postal Address       Contact numbers
                          1
                          2
                          3
                          4
                          5
                          6
                          7
                          8
                          9
                         10




                                  The Orissa State Cooperative Bank Ltd.

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