REQUEST FOR PROPOSAL FOR SOFTWARE SOLUTION FOR RETAIL LENDING

Punjab national bank REQUEST FOR PROPOSAL FOR SOFTWARE SOLUTION FOR RETAIL LENDING Information Technology Division Head Office, Punjab National Bank 5, Sansad Marg New Delhi – 110 001 Phone: 011-23356506 E-Mail: vnsinha@pnb.co.in, venkateswaran@pnb.co.in 1 BID DETAILS 1. Date of download commencement of Tender 19/01 /2009 16.00 hrs 2. Last date of acceptance of queries 09/02/2009 15.00 hrs 3 Bid preparation and Hash Submission 16/02/2009 16.00 hrs 3. Close for Technical and Commercial Bid 17/02/2009 16.00 hrs 4. Date and Time of Technical Bid Opening Please refer tender schedule 5. Cost of RFP 6. Earnest Money Deposit Amount Rs. 5,000/- (non refundable) either online or in the form of Demand Draft in favour of IT Division, Punjab National Bank payable at New Delhi. The DD/Banker cheque should be submitted in person at the time of bid submission. Rs.1,00,000/- (Rs. One Lac Only) either online or in the form of Demand Draft in favour of IT Division, Punjab National Bank payable at New Delhi, enclosed in Technical bid Punjab National Bank, Information Technology Division Head Office 5, Sansad Marg New Delhi – 110001 7. Place of opening of Bids Bank will be following the e-procurement process. The complete details of the requirements for participation in the e-procurement process of the bank are given in the website www.pnb.org.in, which may be referred for details & clarification. It is essential for the vendor to be registered on our website to be able to submit the bid online also. Note: - Technical bids will be opened in the presence of bidders who choose to attend as above 2 1. PURPOSE Punjab National Bank (hereinafter referred to as the Bank) with Head Office at New Delhi is interested in implementing centralized Rule Based Lending Software. The Retail Lending System should be a centralized solution which should work on the Hub & spoke Model as well as CCPC (Circle-wise centralized processing centre) wherein the spokes will be accepting the application for loans and thereafter the same will be forwarded to Hub for processing. Thus the software should have a provision of implementing this architecture. The software should also have the capability of working in decentralized environment. Further, there should be a provision to rollout the solution to any new location/office of the Bank with no extra license cost. There should not be any restriction on number of user licenses for any office/subsidiaries of Punjab National Bank. (i.e. Enterprise version for unlimited user license) 1.1 The purpose of RFP is to solicit proposals from qualified suppliers for installing and supporting software solution for Retail lending System at the bank. Technical and commercial bids are invited from bidders to supply, install and maintain the software for Retail Lending as per the terms and conditions mentioned hereunder. 2. SYSTEM DESCRIPTION & SCOPE OF WORK Rule Based Lending software The software should be capable of implementing the Hub & Spoke model, wherein the loan applications will be received by the spokes and the same will be forwarded to the Hubs for processing and sanctioning of the loans. The solution should be complete with all the required functionalities and should be capable of handling large transactions without having an impact in performance. The system should be capable of providing all functionalities as described in Annexure –D. A brief overview of the product is outlined below and it is mandatory for the vendor to submit its response/undertaking of compliance on the following. Note: All requirements mentioned hereunder should be complied by the bidder failing which it may lead to the rejection of the bid. • It should be capable of handling Pre sanction, Sanction, Post Sanction and Post Sanction monitoring activities (monitoring, follow up with related correspondence) related to the Rule Based Lending i.e it should handle Loan origination, Loan Management and Collections part. Bidder may however indicate all functionalities /capabilities available in the solution proposed. The system should be expandable and capable of being customized to support various rule based lending like agriculture, SME’s, SSI’s etc. The system should be scalable to support additional users and products. This system should be centralized with the facility of on line access from various branches/field offices. Further, it should have the capability of being implemented in decentralized environment also. Initially the system will be implemented in centralized environment and as per the requirement Bank may opt for implementation in decentralized environment. System should be capable of being integrated with existing Core Banking Solution (Finacle) and BancMate software either through flat files or through API. The system should also be capable of being integrated with Bank’s Corporate Data Ware House project. However bidder would be responsible for finalizing the requirements for integration directly with the vendor for successful integration and any financial implication arising out of such integrations shall be the responsibility of the solution provider. The system should be capable of being integrated with the Document Management software of our Bank. The interface will be required to be provided by the vendor without any extra cost. • • • • • 3 • The system should be capable of being integrated with Credit Scoring software of the Bank. The interface will be required to be provided by the vendor without any extra cost. The system should be capable of being integrated with CRM of the Bank. The interface will be required to be provided by the vendor without any extra cost. The system should be capable of being integrated with User Management Software as and when implemented in our Bank. The product should have built-in features for providing role based access to users of the Bank. Before live implementation* of the software solution, the product will be audited by Bank’s appointed Software Audit firm/in house team. All audit points raised by the Software Auditor should be complied by the selected bidder without any extra charge and within the stipulated time frame decided between the Bank and the vendor. The solution should have built in security features to help only authorized users to use the application. The proposed solution should have the capability of migrating existing retail loan data already available in the system. The solution should be built in platform independent technologies. The successful bidder will take AMC of the software for the lifetime of the product. The cost quoted by the bidder for the AMC support in the commercial bid will be valid for 3 years after the warranty period. The solution should preferably provide workflow templates to facilitate bank users to easily customize it according to its needs. The product shall be under a warranty of minimum one year during which additions/modifications/bug fixing shall be done without any extra charge. Further all upgrades, patches would be provided free of cost during the warranty period. The warranty period would start on live implementation* of the system. (* Live implementation is defined as successful implementation of the system at the Bank and customization of all modules and after successful run in atleast 5 of the identified Hub & spoke set up of the Bank and 1 CCPC). The short listed bidder should provide 12 months on site support during warranty period, immediately after live implementation* without any extra cost. The solution offered should be capable of being integrated with any software of our bank/corporate customer. The bidder should be in a position to provide a utility to enable the Bank to migrate the data to any software as & when the Bank so desires (undertaking to this effect must be submitted). The bidder should either provide escrow arrangement for the source code or provide the source code itself with necessary documentation.(indicate what is offered) The bidder will be required to implement the solution at Disaster Recovery (DR) site of the Bank as required by the Bank. No separate License fee would be payable for the DR implementation. All statutory changes will be incorporated in the software by the vendor during warranty free of cost. • • • • • • • • • • • • • • • 4 3. DOCUMENTATION Complete documentation of the application software in hard and soft copy should be provided along with implementation of the software. Documentation will include: Utilities and general software reference manuals. Language reference manuals. Documentation on Design Logic and Program Development. Operator Reference manuals for each operator task. Error messages manuals. Documentation on troubleshooting. File / table structures, Indexes and Relations On line tutorials and help documentation. 4. TRAINING Training must be provided in all functional areas and should be of sufficient duration- to the User's satisfaction. Training must synchronize with the phased manner implementation plan and in any case be completed before the start of live operations Training should be categorized into: System Administration and Maintenance Training (minimum 6 days): It should include training in system administration, operation and management of application software. Trouble shooting, interpretation of error message, the linkage between various programs and modules of application SW must be integral to this training. The number of this type of users to be trained will be 30. End Users Training (each training should be of minimum 6 days): The operators will be comprehensively trained in all auditing / application operation tasks. The number of this type of trainings will be 10 at centres identified by the Bank. Senior Level Training (minimum 6 days): This will involve training senior officials of bank in system administration, operation and management of application software. The number of this type of users to be trained will be 20. Requirements of Package: Detailed user requirements enclosed in Annexure 'D'. Applicant should submit their response in the prescribed format, as per Annexure 'D' and an undertaking of compliance of requirements in section 2 of this document. 5. COST OF BIDDING The bidder shall bear all the costs associated with the preparation and submission of bid and Bank will in no case be responsible or liable for these costs regardless of the conduct or outcome of the bidding process. 6. BIDDING DOCUMENT The bidder is expected to examine all instructions, forms, terms and conditions and technical specifications in the Bidding Document. Submission of a bid not responsive to the Bidding 5 Document in every respect will be at the bidder’s risk and may result in the rejection of its bid without any further reference to the bidder. 7. AMENDMENTS TO BIDDING DOCUMENTS At any time prior to the last Date and Time for submission of bids, the Bank may, for any reason, modify the Bidding Document by amendments at the sole discretion of the Bank. All amendments shall be delivered by hand / post / courier or through e-mail or faxed to all bidders, who have received the bidding document and will be binding on them. For this purpose bidders must provide name of the contact person, mailing address, telephone number and FAX numbers on the covering letter sent along with the bids. In order to provide, prospective bidders, reasonable time to take the amendment if any, into account in preparing their bid, the Bank may, at its discretion, extend the deadline for submission of bids. 8. PERIOD OF VALIDITY Bids shall remain valid for one year from the date of bid opening prescribed by the Bank. A bid valid for shorter period shall be rejected by the Bank as non-responsive. 9. BID CURRENCY Prices shall be expressed in Indian Rupees only. 10. BIDDING PROCESS (TWO STAGES) For the purpose of the present job, a two-stage bidding process will be followed. The response to the RFP will be submitted in two parts: Technical bid Commercial bid Part I Part II The bidder will have to submit the Technical bid and Commercial portion of the bid separately in two separate red lac-sealed envelopes (wax seal), duly super scribing “Rule Based Lending System “, “TECHNICAL BID” or “COMMERCIAL BID” as the case may be. TECHNICAL BID will not contain any pricing or commercial information. The bid shall be typed or written in indelible ink and shall be signed by the Bidder or a person duly authorized by him. The authorization shall be indicated by a written power of attorney accompanying the Bid. All pages of the Bid shall be initialed by the person(s) signing the Bid. The Bid shall contain no interlineations, erasures or overwriting except as necessary to correct errors made by the Bidder, in which case corrections shall be initialed by the person(s) signing the Bid. 11. SUBMISSION OF BIDS The bidders shall duly seal each envelope with RED LAC SEAL (Wax Seal) and place both the envelopes in a third envelope, which shall also be only sealed with red lac. The bids shall be submitted in the required formats especially Annexure – C & D. Bids submitted in any other format would be summarily rejected. The bid should be addressed to Bank at the following address up to the time and date mentioned on page 2 of this document. The Chief Manager (Software Department) Punjab National Bank 6 Information Technology Division 2nd Floor, Head Office, 5 Sansad Marg New Delhi – 110001 12. LAST DATE AND TIME FOR SUBMISSION OF BIDS Bids must be received by the Bank at the address specified in the Bid Document not later than the specified date and time as specified in the Bid Document or as extended by the Bank as per clause 5. In the event of the specified date of submission of bids being declared a holiday for the Bank, the bids will be received up to the appointed time on next working day. Further, the bidders shall duly complete the formats of Technical Bid and Commercial Bid and the same will be submitted online also through our e-Procurement Systems at website https://www.pnb.org.in. BID EARNEST MONEY Bidder has to submit the Bid Earnest Money of Rs.100000/- (Rs. One lac only) either online or in the form of Pay Order/Demand Draft favoring PUNJAB NATIONAL BANK, IT DIVISION payable at Delhi or filling all the details in the format available for the same in our e-procurement system at website www.pnb.org.in. In case of unsuccessful bidder, EMD will be returned on completion of procurement 13. LATE BIDS Any bid received by the Bank after the deadline for submission of bids will be rejected and/or returned unopened to the Bidder, if so desired by him. 14. MODIFICATIONS AND/OR WITHDRAWAL OF BIDS • Bids once submitted will be treated, as final and no further correspondence will be entertained on this. No bid will be modified after the deadline for submission of bids. No bidder shall be allowed to withdraw the bid, if the bidder happens to be a successful bidder. • • 15. CONTENT OF DOCUMENTS TO BE SUBMITTED 15.1 i. ii. iii. iv. Documents required in Technical Bid Envelope (Sealed Cover): Bidder’s information as per part “I” of Annexure-‘B’. Product Information as per part “II” of Annexure –‘B’. Technical Features & Architecture of the System. Components required for system (Software/Hardware/DBMS/Network Bandwidth/Software Utilities/ Middleware etc, including Licenses, ATS and AMS wherever required) 15.2 Documents required in Commercial Bid Envelope (Sealed Cover): I. Commercial offer: The offer should be as per commercial bid format in Annexure ‘C’ and should be exclusive of all taxes. The estimated Total cost of ownership as per details given in Annexure C should be given. Wherever required, a separate sheet showing the detailed calculation may be enclosed. II. Bidder shall provide the list of the service areas where it intends to provide services and for which rates have been quoted in response to this RFP. The list shall also be mentioned at annexure C along with the quoted price. III. Payment Schedule: The Payment will be made on the achievement of the milestones mentioned as under: 7 Milestone Delivery of the software User Acceptance Live implementation. (The (definition of live implementation will be same as given in RFP). After the warranty period. License fee (%) 20% 30% 40% Implementation fee (%) -30% 60% 10% 10% IV. The successful bidder has to submit the Performance Bank Guarantee of 20% of the total cost of the project within 7 days of award of contract, valid up to the warranty period. 16. Delivery Schedule & Penalty Clause: The software product (as per deliverables) will be delivered within 30 days of placement of order. Any delay in providing deliverables will attract penalty as mentioned in RFP (1% of the product cost* (maximum of 10%) will be deducted as penalty per week for late delivery. If the product is not delivered after 2 months of scheduled delivery date, bank may claim entire advance amount with interest (@ 1.5 % per month) from the vendor with additional 10% of the product cost* as penalty. Penalty is also applicable in case of delay in live implementation of the software product. 2% of the implementation cost will be deducted as penalty per week for delaying in implementation as per schedule, maximum upto 50%. If implementation exceeds 6 months after delivery of the software, bank will be free to cancel the contract besides claiming entire advance amount with interest @ 1.50 % per month along with additional 10 % of the total cost** as penalty charge. *product cost=license cost **total cost = license cost + implementation charges Note: Implementation schedule will be decided between the Bank and the vendor. 17. BID OPENING AND EVALUATION The Bank will open the technical bids, in the presence of Bidders representative who choose to attend, at the time and date mentioned in Bid document at the address mentioned at clause-11 titled “Submission of Bids". The bidders or their representatives who are present shall sign register evidencing their attendance. In the event of the specified date of bid opening being declared a holiday for Bank, the bids shall be opened at the appointed time and place on next working day. In the first stage, only TECHNICAL BID will be opened and evaluated. Bidders satisfying the technical requirements as determined by the Bank and accepting the terms and conditions of this document shall be short-listed. In the second stage, the COMMERCIAL BID of short-listed bidders will be opened. Bank reserve right to accept or reject any technology proposed by the bidder without assigning any reason thereof. Decision of the Bank in this regard shall be final and binding on the bidders. The technically eligible bidders shall be required to provide proof of implementation and also shall required to arrange site visits at their own cost. Bank shall shortlist the bidders based on Technical Evaluation, presentation/demonstration, Site visit & proof of implementation. Thereafter the Commercials will be opened only in respect of those bidders who are able to demonstrate successfully the proposed solution. Commercial bids of those bidders whose technical bids are found suitable by the Bank shall only be opened. The L1 criteria will be based on the total cost of ownership as per Table given in Annexure C. Bank may normalize the rates based on its own market feedback in respect of the estimated cost components to arrive at the estimated Total cost of ownership. 8 18. CLARIFICATIONS OF BIDS To assist in the examination, evaluation and comparison of bids the Bank may, at its discretion, ask the bidder for clarification and response shall be in writing and no change in the price or substance of the bid shall be sought, offered or permitted. 19. PRELIMINARY EXAMINATION The Bank will examine the bids to determine whether they are complete, whether any computational errors have been made, whether required information has been provided as underlined in the bid document, whether the documents have been properly signed, and whether bids are generally in order. The bid determined as not in order as per the specifications will be rejected by the Bank. 20. CONTACTING THE BANK Any effort by bidder to influence the Bank in the Bank's bid evaluation, bid comparison or contract award decision may result in the rejection of the Bidders' bid. Bank's decision will be final and without prejudice and will be binding on all parties. 21. 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 and reject all bids at any time prior to award of contract, without thereby incurring any liability to the affected bidder or bidders or any obligation to inform the affected bidder or bidders of the ground for the Bank's action. 22. SIGNING OF CONTRACT. The successful bidder(s) to be called as vendor, shall be required to enter into a Service level Agreement (SLA) with the Bank, within 7 days of the award of the tender or within such extended period as may be specified by the Bank. 23. Upgrades and updates The vendor shall be required to provide all future updates and upgrades for the solution provided free of cost. If however, the upgrades is not provided then the support for the implemented solution should be available at any point of time. An undertaking to this effect is to be furnished by the Bidder. 24. Reverse Auction It is to the discretion of the Bank for going in for reverse auction in case there are 2 or more than 2 technically qualified bidders. --------XXX-------- 9 Annexure ‘A’ Pre Qualification Criteria: 1. The turnover of bidding company (not parent company) for the last three financial years must be not less than Rs. 12 Crore each year. Audited Balance sheet should be submitted in this regard. 2. The bidder should have at least a valid SEI CMM Level 4 certification or ISO 9001:2000 certification. 3. 4. The bidder Company should have 30 engineers or more on its roll. The solution offered should be running successfully in at least 2 banks (Commercial Bank) in India. 5. The bidder should have at least 2 years experience in the field of Retail Lending module individually or as part of Banking software solution. The documentary proofs for qualifying the prequalification criteria should be submitted along with the technical bid. In case a bidder fails to provide the same the bid would be summarily rejected. 10 Annexure ‘B’ PART - I: Bidder Information Please provide following information about the Company (Attach separate sheet if required): S. No. 1. 2. 3. Information Company Name Date of Incorporation Company Head Office / Registered Office and Addresses Contact Person(s) Phone Fax E-mail Website Provide the range of services /options offered by you covering service description and different schemes available for: Customization Implementation Support Warranty Post-implementation Ongoing Support for: o AMC o Helpdesk o Training o Documentation o Others (specify) Any pending or past litigation (within three years)? If yes please give details Also mention the details of claims and complaints received in the last three years (About the Company / Software that are sold / licensed by the company). Please mention turnover for last three years and include the copies of Balance Sheet in support of it. Particulars / Response 4. Yes / No / Comments (if option is ‘No’) 5. Yes/No/Comments (if option is ‘Yes’) 6. Year 2005-06 2006-07 2007-08 Turnover Profit/Loss(-) Signature of Bidder 11 PART – II: II.1 S. No. 1. Product Information The following information should be provided. Information Required Particulars / Response Software Information Name of the Software Product Version of the proposed software Annual sales of the product during the last three years (number of installations and value) Annual installations (live) in the last three years similar to the module/version proposed. Year and place of the first live installation similar to the module/version set proposed. Number of versions released till date since the last three years. • Release month/year of last version • Release month/year of the proposed version 2 3 4 5 6 7 8 9 10 11 12 Hardware Platforms supported Operating systems for the proposed version of the solution component. Provide specific information for each solution component. Language and development environment in which the proposed version is coded Data base supported Warranty Period and the Scope of warranty in detail System Module components – Specifically indicate modules / components and their dependencies (whether the modules /components can be implemented independent of other modules/components) and level of integration for each proposed module / component. Description of the solution development environment and application tools used. Also furnish either Third Party Tools or Tools available with the System Software/RDBMS that are used in designing the solution What is the purchasing /licensing policy for the solution? Whether providing escrow arrangement for Source code or providing Source code with documentation? Broad solution enhancement /integration strategy for the next 3-5 years Whether the company has full control 12 13 14 over the source code of such bundled third party software Whether the solution offered is single product and all the modules should be integrated through a menu. Whether the solution is web enabled with security features and different User level access controls. Technical Feature and Technology Architecture II.2 The software applications should conform to the following standards: S No. Requirement Description Yes/No/(Comments if ‘NO’) Item 1. Hardware The software should work on INTEL platform as well as RISC platform.However it should have been implemented on RISC platform (e.g. SUN Solaris, HP-UX etc.) The software should work on WINDOWS 98/ NT/ 2000/2003/XP operating systems, UNIX, LINUX (open platform compatible) The software should work on RDBMS (Please specify which RDBMS) Software should have been designed in both Client Server Architecture with three-tier architecture and Stand-alone System. Coding should be in 3rd Generation Languages & above. The system should have features like I/O spooling, multi level security, system log, error analysis, time sharing, multitasking, multi user support and remote processing Solution should support/work in TCP/IP Data should be encrypted with standard encryption technologies, while being stored in Databases and while being transmitted 2. Operating system 3. Data Base 4. Application Software 5. 6. Networking Protocol Security Standard We confirm that, all the details mentioned above are true and correct and if the Bank observes any misrepresentation of facts on any matter at any stage of evaluation, the Bank has the right to reject the proposal and disqualify us from the process. We hereby acknowledge and unconditionally accept that the Bank can at its absolute discretion apply whatever criteria it deems appropriate, not just limiting to those criteria set out in the RFP document, in short listing of vendors for providing software solution. We also acknowledge the information that this bid is valid for a period of six months, for the short-listing purpose, from the date of expiry of the last date for submission of bid. SIGNATURE OF VENDOR WITH SEAL NAME OF THE AUTHORISED SIGNATORY 13 PART – III: Letter to be submitted by bidder along with bid documents To The Chief Software Section Information Technology Division Punjab National Bank Head Office, 5 Sansad Marg New Delhi – 110 001 Sir Reg: Our bid for supply and implementation of software solution for Retail Lending We submit our Bid Document herewith. If our Bid for the above job is accepted, we undertake to enter into and execute at our cost, when called upon by the Bank 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. We understand that if our Bid is accepted, we are to be jointly and severally responsible for the due performance of the contract. 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; 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 understand that the names of short listed bidders after the completion of first stage (Technical Bid) and the name of the successful bidder to whom the contract is finally awarded after the completion of the second stage (Commercial Bid), shall be communicated to the bidders either over phone/e-mail/letter. Dated at ______ / ______ day of _______ 200_. Yours faithfully, For ________________________ Signature __________________ Name ______________________ Address ____________________ _____________________ (Authorised Signatory) (Authorised Signatory) 14 Annexure ‘C’ Format for Commercial Bid: S. No. 1 2 3 4 5 Particulars Software License Fees Implementation Cost One time training cost as mentioned in clause 4- Training Customisation as per bank’s requirement (up to user acceptance) Integration with any no. applications for our bank of software Free of cost Free of cost Free of cost Cost 6 7 8 9. 10 11 One year warranty with onsite support AMC charges(After Expiry of Warranty Period) On Site support (per man month) (Optional, if desired by the Bank) Cost of Source Code of Software (optional) (modulewise) Additional customisation charges per man month (if required after warranty period) Additional training cost (Per day training charges per faculty) Free of cost Note: (A). L1 Criteria will be based on Total cost of owenership as per Table given below. a b Cost of software(as per S.NO.1 + S.NO 2 + 3 * 7) Estimated cost of other software components like middleware/Utilities (subscription +license + ATS for 3 years wherever applicable) Estimated cost of Hardware Components including Network hardware components (including AMC for 3 years) Estimated cost of Bandwidth(Subscription plus annual rental for 3 years) Estimated cost of DBMS Licenses + ATS for 3 years Estimated (a+b+c+d+e) Total cost Ownership c d e 15 Note: Bank will be making its own arrangements for procurement / arrangement of Hardware, network, DBMS, middleware and utilities (other than what is specified at Item no.A(a) above as per requirements of the application. Annexure-D Note: The workflow proposed hereunder is a business workflow and is only indicative. Changes may be made as per the requirement of the Bank at the time of implementation The Proposed work flow is presented hereunder in form of a flow chart. Further all the functionalities of spoke (pre-sanction and post sanction follow up) as well as Hub (processing of application) except according of sanction are to be taken care of by the concerned branch, which is not attached to the Hub. Sanction to be accorded by the concerned CCPC, established within the circle, with which the concerned branch is attached for the purpose. Further, monitoring is to be done at branch level. Branches not attached to the Hub will process the application and submit the same to the concerned CCPC for sanction of the advance under Retail Schemes. Therefore, Retail Lending System must have the capabilities of considering advances under the workflow of CCPC as well as in decentralized environment also.:Retail Lending – Hub & Spoke Model Work Flow Customer acquisition Spoke activity Marketing team to be involved Collect loan application form and other document (for personal verification) and send to hub Spoke Activity Document check list Collect upfront fee cheque and maintain regular follow up with Hub for status of loan application Spoke Activity Hub to scrutinize the documents for completion in all respect, Run Preliminary score check RBL 16 If additional information required If preliminary score finds customer - Eligible Take up over telephone Visit customer and Collect more information and documents if required More informatio n Collect it over telephone Verification of CIBIL and verify other documents If not Eligible Appraising Officer put up a note to Sanctioning authority for formal rejection & intimates the same to concerned branch Found OK Enter in S/W at Hub and get score sheet -Appraising Officer will make a phone call to the two references provided in loan application for establishing credentials Credit worthy -Put up for issue of sanction letter -Call for property documents Spoke to collect property documents and send copy to Hub Eligible Score 17 -Scrutiny of property documents -Legal verification of documents -Valuation of property Not OK Issue Letter of rejection Appraising officer will put up note for sanction - Sanction Letter to concerned Spoke by Hub and to the Customer --Spoke to get the documents executed and Disburse the Loan The system should generate a reference number that can be captured in FINACLE alongwith the related information. Based on that account of the customer will be open in Finacle and then the information about the generated account will flow into the Retail Lending system. Thereafter, all the transactional details related to that account will flow in the retail lending system for post sanction monitoring - - - - Monitoring hub undertakes the post disbursement activity of follow up Monitoring Hub to follow the process of PDCM Take immediate steps in case of returning of unpaid cheque Collect more PDCs through spoke, if previous stock exhausts and entertain the request of customer for change of PDCs Intimate the customer regarding change in rate of interest or other useful information relevant to existing borrower Maintain liaison with customer and update the record for any change like Telephone no. Residence, office etc. Send periodic statement to customer Take out related control reports from the system and always try to keep the a/c in good health Personal visits for recovery/security verification Maintain BCs Insurance of securities Managing NPA 18 Retail Lending System FUNCTIONAL SPECIFICATIONS (*) = The bidder should mention in the Column under ‘Bidder’s Response’ whether modules for all the required features/specifications as mentioned above are: S: Readily Available C: Customizable, free of cost, in the current version itself, before acceptance of the Software by the Bank Requirement Functionality General Generation of ‘Provisional Interest Certificate’ in case of housing loan accounts System of restructuring of accounts keeping in view of the vested powers with different authorities Drawing power in trading accounts on the basis of stock report to be submitted on monthly /quarterly /halfyearly/yearly basis Charging of penal interest on the entire amount of outstanding in case of irregularity in the account in terms of the extant guidelines of the bank Reducing drawing power in the OD accounts based on monthly /quarterly /halfyearly / yearly basis to liquidate the account in a specific repayment tenor Take care of special concessions in ROI allowed by a competent authority with the stipulation that applicable interest is increased in case of increase in rate of interest in the specific scheme after allowing slab of concession and neutralize the concessions allowed in case of reduction of interest in the specific scheme alngwith recording of letter of approval of concession with sanctioning authority. Fixation of ceiling for financing of under construction flats in terms of the powers vested with the different authorities Take care of various tie ups with outsiders such as with TATA AIG & IFFCO TOKIO in Housing, KOTAK in case of Education and provision for customization of any other tie up in the different schemes of the Bank with relaxation in different parameters of the scheme. DL/OD facility in case of advance against Gold & Jewellary in view of repayment within 24 months alongwith interest, however, keeping in view the value of security. Calculation of LTV ratio in different schemes of the Bank in individual accounts Over draft facility for a specific period with only recovery of interest, however the account is within the sanctioned limit/ value of security. Post sanction follow up will be done at the branch level. Further, it must have the provision of centralize monitoring, if the bank decides to establish separate monitoring cell under Hub & spoke concept. Advances at branches other than spoke will be appraised by the concerned branches, however, the same will be sanctioned by the CCPC established at the Circle Office /HUB or at any other destination. In such cases, documents required by the concerned CCPC/HUB are transmitted on line and sanction is conveyed online. CCPC can also work like an independent unit Provisions of flexi-housing scheme be also built in Overdraft facility with reducing or increasing drawing power Capturing the data of application and RBL score at spoke as well as at Hub to be used as decided by the bank from time to time. System of transmission of relevant papers between Hub /spoke/ CCPC & other concerned branches on line. S/C Remarks (if any) 19 Record of various visits of the officials for the various purposes for pre-sanction and post sanction follow up. Generation of letters for each and every customer, a group of customers or a customer of a specific scheme for any change or for conveying any message to the respective clientele. Different type of applicability of Rate of interest i.e. fixed, floating, fixed with reset clause after a certain period, Simple interest with a specific moratorium period and clubbing of simple interest in the principal and fixing of EMI on the total amount and allowing of concessions in rate of interest in case of regular servicing of interest during the moratorium period as required in education loan scheme. Other schemes are also to be included in the RFP i.e. Professional & qualified Medical Practitioners, PNB Gramin Chikitsak, Traders, Super Trade, Advance against Future Lease Rental, Advance against Gold & Jewellary, & Purchase of Shop & Show Room and provision for customization of any new scheme with the general functionalities of other schemes at user level. Provision for customization for different variants of the existing scheme Customer Acquisition – By marketing initiatives/ directly or by DSAs (Direct Selling agents) – maintains its records such as personal contacts/phones etc and a. b. c. d. e. f. g. h. i. j. k. l. m. n. o. p. q. Create Marketing DB Import Marketing DB Mail Distribution Contact Interviewee Loan Interview EOI EOI with Documents Remove Marketing DB Export Loan Data Reactivation of Rejected Application Loan Scheme Brochure Mail Distribution for other A/cs Documents required from Borrower List of A/cs converted out of Mailers Marketing contacts pending with number of days when it was pending etc. Monitoring at Branch, R/O, Z/O and HO level in respect of contacts made and pending with reason thereof. Similarly, record of loan application received and present status of sanction/rejection/pending with reason thereof. Monitoring at all field stage and at controlling offices. Pre sanction appraisal At pre sanction stage- Check list of necessary documents such as Identify Proof, Residence Proof, DOB Certificate. Qualification Proof, Income proof etc. may be generated through software. Generation of application of all respective schemes duly filed in The system should handle and generate a. Loan Application b. Field Investigation/spot verification c. Recommendation Note d. Loan Sanction/rejection e. Loan Sanction Letter f. Loan Rejection Letter g. Loan Reconsider Letter h. Loan Related Agreements The system should have an interface with the Credit Scoring software developed by the Bank for scoring. Apply CIBIL guidelines; integration with the software from CIBIL detail can be captured. 20 Generation of Preliminary sanction/rejection status/letters Detail of documents (Check List) required for loan applied for should be generated through system automatically On appraising the loan application if any references is given for checking the credential of borrower, automatic generate letter for sending them to given references. There should be provision of scanning of documents through the system and the same should be capable of being transmitted electronically alongwith loan application to Hub where branch is under the ambit of Hub or other centers where ever required (Controlling offices). System should show the schedule (as per parameters) to contact the customer if customer does not turn up once showed inclination. (MIS) The system should check that all documents are complete for loan application and generate an exception if not so. Prepare recommendation note for sanction or rejection. The system should have provision of conveying sanction/rejection of the loan from the Hub to the respective spoke/branch. 21 Multi-branch Setup It should support multi-branch set-up Users Setup Ability to define multiple users where the details like name, login ID etc can be captured: Reference Rate Setup Ability to link interest rates for different loans based on user defined criteria, For example: different rate of interest for demand, term loans and over draft different rates for different credit scores Ability to define a loan product / scheme as “Linked to BPLR” "Linked to Special Corporate Rates" "Linked to customer rating / credit scores" Any other groups as desired by the Bank Documents Setup Ability to define general and facility-wise documents with the following details: Document Name Description Document Number, if any Attached to – loan product / facility Credit Sanction Intimation Ability to capture details and print standard loan documents in the prescribed format as desired by the bank such as: Demand Promissory note, Articles of agreement, Letter of repayment, Term Loan Agreement, Hypothecate Agreement , Memorandum of title deeds, Guarantee agreement, Any other standard documents. Retail Product Setup Defining of following Retail Loan Products with pre-defined criteria. It should also be possible for the Bank to set up multiple schemes under each loan product and set parameters at scheme level / product level. • Housing Loan with multiple schemes • Vehicle Loan – 2 & 4 wheels • Loan with flexible repayment options with step-up and step-down • Personal Loan with different variants • Loan against mortgage of property for certain approved purposes Education Loan ( PNB Sarvotam & Vidya Lakshyapurti) Reverse Mortgage Loan Scheme • Defining of any other loan product as and when launched Define any structured loan product parameters Defining repayment Calculation / Eligibility Norms Retail Loan Application-Cum-Appraisal capacity Ability to capture types of retail loan such as housing loans, educational loans, vehicle loans, personal loans, Reverse Mortgage Loans 22 Automatic Unique Customer ID generation Title, First Name, Last Name, Middle Name of the borrower(s)/ co applicant(s) Classification of borrower(SC/ST/OBC/Others) Repayment, Rent Paid, Others System to indicate whether the borrower is a new connection or existing customer Ability to indicate whether borrower is in RBI defaulter’s list Loan product details: Product, Amount requested, cost of proposed asset, repayment period, interest type, interest percentage, moratorium, installment periodicity, purpose of loan, margin amount, proposed loan amount, monthly installment amount, documentation charges, processing charges, repayment type, amortization statement, eligibility check. Ability to generate repayment schedule for loans as per type of loan such as equated monthly/quarterly installments, staggered payment, balloon payments, bullet payments Custom defined ad hoc repayment scheme Ability of calculate EMI (on arear basis and on advance basis) Ability to define a grace period/moratorium period and recovery • Only interest • Principal Only . • Equated installments • Combination of above Ability to support part release/disbursement of the loan amount Ability to charge penal rate for delay in repaying installments. Ability to show and charge predefined processing charges Provision to create interest master to define a minimum interest rate, so that the higher of the customer interest rate and the bank’s BPLR/BPLR+term premia is applied automatically by the system Ability to support loans against rent receivables Ability to support EMI calculator Ability to generate an EMI schedule giving break up of the principal , interest and balance outstanding for the tenor of the loan. Ability to generate a provisional Interest statement for loans sanctioned, considering the tenure, rate of interest, initial holiday period, EMI proposed to be paid by the customer (any combination of above) Proposed Asset: Details of House / Vehicle / Others Engineer’s valuation details such as name of the engineer, date of valuation, value, other details of the property/ vehicle. Co-Applicant / Guarantor Details: Multiple Co-Applicant and Multiple Guarantor details can be captured Net worth Statement Collateral Security: Immovable Property, Vehicle details can be captured Ability to accept details of valuation certificate from approved valuers periodically Generation of Credit Sanction Intimation & Appraisal Note: Product specific terms and conditions displayed with a facility to add, delete and modify with justification Provision to attach / write an appraisal note, recommendation and final sanction – which can be printed Workflow: History of the flow of the application and option to choose action point Notes: Provision to write copious notes, which travels along with the application Application Processing can be centralized /decentralized. Parameterized workflow depending on channel, product, scheme, source, and any other available fields Should be able to customize the flow of the process based on channel, customer profile, product and portfolio. System should monitor and instruct pending jobs in FIFO format and assign randomly to processor, so that no applications are left behind in terms of processing. System should be able to over ride the queue 23 System automatically distribute tasks to processors/credit officer by: - Considering load of the processor/credit officer - Production line - Customer Type - Group of the processor - Authority of the processor/approver Supervisor can override the distribution of the tasks to processors and reroute to other processors Turn Around Time (TAT) could be set to the transaction processes for the workflows or manual System must be able to route applications forward or backward depend on its conditions. In case of applications is sent back to requestor, system should recalculate TAT System should have TAT monitoring in hours and minutes Executive Dashboard on Document TAT overdue, Application Tracking, Other Alerts (Contract overdue, Expired date, Surveyor, Appraiser.) Automatic letter generation for tasks required communication to customer or other third party Maintain timestamps cycle of process Document collection & execution responsibilities System must have Authority Override, such as: General deviation (For example:.: Scoring result) - Existing Customer deviation Allow deviation process Work Flow Automation: Definition of processes Definition of stages in each process Linking of a process to a loan product Linking of program options to each stage in a process Assigning user roles for each stage Provision for exceptional processing at each stage Exceptional processing rights assignment to user roles Process initiation for each loan application Monitoring status of each process Provision for escalation at delayed stages Provision to generate alerts from each stages – normal alerts and exceptional alerts Provision to abort a process, re-start a process Provision for normal closure of a process Provision to take in data from out-sourced processes from external agencies Core banking interface Ability to handle customer numbers and account numbers as per the format of core banking system Interface with core banking to provide loan sanctioned / declined information with sanctioning authority code, sanction reference numbers and sanction terms and conditions SMS and email alerts templates Experience with CBS enabled Bank Asset management Asset finance must consist of : car, Motor Cycle, House/Flat, Education, Personal, Reverse Mortgage Loan Scheme, Gold Hub Management System should make recommendation to select Hub according to selection rules such as Category dealer and product Ability to display spokes list according to rules and policy One Hub have multiple branches/spokes System must have provision of maintaining Hub Database System should have audit trail for customer data change If customer have guarantor system will automatically check guarantor's Primary key (note: primary key(s) should be defined by Bank) to customer database, if guarantor data is in customer database system should capture guarantor's data Ability to reject unqualified customer 24 System can allocate prospecting customer list to user based on PIN Code and Sub Pin Code, portfolio and other parameters (Bank may define other parameters if needed) Ability to query customer information based on fields such as Name and Contract number If user select 'Y' in Guarantor Flag, then guarantor data become mandatory, If user select 'N', then proceed to filling the occupation information Co-Borrower can have multiple Co-Borrower Guarantor can have multiple Guarantors Individual guarantor information must be captured : Co-Borrower, Guarantor data must be captured Current Occupation Data must consist of : Credit Card information must be captured Income and Expenditure Data for individual customer must be captured Document check list should consist of fields :Document Name, Document Type, Target Date, Receive Date Document check list for Personal Customer must consist of : Debtor Id, Debtor's Spouse Id, - Collateral Ownership Id, Spouse collateral ownership Id, Address Proof as per KYC, Identity proof as per KYC, Employment letter, Saving/Current account, Debtor's salary slip/income, Spouse's salary slip/Income Loan application Estimated value field is available for appraisal. This is to provide estimated appraisal value of a certain credit assessment prior to obtaining the actual data Application deviation due to incomplete documents is possible for selected documents - to allow application to continue to be processed. But Deviation Memo must be created attached to it. This application will proceed to the supervisor for the next step. Ability to Add/Edit/Display/Print Loan Application Ability to display/print application status tracking System must be able to perform simulation for the applicant - such as payment amount for certain loan amounts with certain interests, for certain products If the applicant is an existing customer, system should be able to view total customer relationship. Document check list must be defined by rules System must be able to allow application to proceed to the credit review step (in parallel) even before survey and/or appraisal is completed. Ability to check asset financing to asset management (error message should be prompted if asset chosen is not part of asset that can be financed) Ability to check product code in product management Loan Scoring Can define scoring parameters include weight of each parameter (Bank will define scoring parameter) System should have minimum 30 scoring parameters System should have an interface with the Credit Scoring Software of our Bank System allow to create new parameters and make it active/in active parameters Numbers of parameter and weight of parameter can be update System can keep history weight of each of parameters change Each combination of several fields (For example: product, program, application source, and job type) can have separate set of score cards Scoring auto calculated using the weighted scoring method Allow override scoring in every parameter System allow to set certain rules to create scoring for each portfolio, product Credit scorecard templates are available. Score can automatically give recommendation as follows: - Approve - Refer to Higher authority - Reject Ability to Add/Edit/Display/Print/Query surveyor System provide functionality to Active/In active surveyor Survey order management should be based on load of the surveyor, or manually assign order 25 Ability to allocate tele survey or field survey base on rules such as by PIN code, sub pin code, percentage or other criteria (Bank should define parameter & rules) For tele survey, notes can be added to track history of survey Ability to have different script for tele survey depending on the product, source code, program and job type Ability to create and print work order for surveyor Ability to send survey order by SMS or internet, mail Provide survey report template Ability to input survey result Ability to update certain customer's data such as address, phone numbers, and occupation If there are changes to certain fields which cannot be edited by surveyor, system should provide workflow approval Ability to receive survey result report which is sent by SMS or internet, mail Ability to display and print survey report System should have database for survey policy related with red area (base on PIN code and sub PIN code) System is able to distribute work allocation of survey to internal/ external parties base on certain parameter (Bank will define parameter), then can consolidate the results of the survey into one. Able to maintain rejection classification code (such as: F for Fraud) Able to maintain rejection reasons for each classification (such as: "manipulation of signature" as a reason for Fraud code) System is able to differentiate escalate-able application based on rules (reject code) Sanctioning Authority should be able to view customer data from application (from Marketing) and from surveyor and must be able to view any differences Ability to validate against the requirement of the rules, if not fulfill with the requirement of the rules should go to the higher authority Can support credit approval process according to workflow approval policy If approver chooses one application to be approved, system should allow approver to query all information of the application (such as Loan detail, collateral data) Approval can be conducted by system and by paper Ability to display/print approval list System can query all approved and rejected application to generate Offering letter or rejection letter Can maintain (create, active/in active) notification template for every media System to be able to provide all report in softcopy format. System should provide tool to generate reports Interest calculation Provides for the following interest calculation period: Daily, Monthly, Annually, Quarterly, Number of days per year (360, 365 or actual) and Number of days per month (30 or actual). Penal Interest System to have the ability to charge penal interest at the account level. Preferential Interest rates System to have the ability to charge preferential interest at the account level. WEB enabled Supports system availability over LAN,WAN & internet Multiple interface List of References Ability to capture static data of references for future referral in LOS Post Sanction Activities The system should be capable of being integrated with all payment systems/network like RTGS/NEFT/ECS/EFT/SWIFT/CTS (cheque Truncation system) Payment Gateways & Bank’s Corporate Data Ware House etc. PDCs should be electronically scanned, automatic scrutinized product/account wise. Lodging in clearing and maintain the record of paid or unpaid cheques There should be provision of swapping of PDCs (if borrower wants to change the PDCs already given with the others) Reminder Letter to Borrower/Gurantor 26 Telephonic Contact with Borrower Telephonic Contact with Guarantor Registered Letter to both Personal Contact with Borrower Personal Contact with Guarantor Legal Notice both BC confirmation Insurance due Physical verification(551) Integration with other software Finnacle / BancMate/DCMS software etc. st Notices issue under SARFAESI act like 1 in 60 days Notices as per NI Act 138. State recovery act where applicable POP UP’s like : (at transaction part) Cheques not lodged PDCs due for lodging in next two days Recovery Note: If any of the above mentioned features is not available in the existing system then the bidder has to specify the same under the remarks column and indicate the time frame within which the same may be made available in the system. MIS 1) Number of Market Database received at the branch 1) Marketing by spokes \ Hubs/MTMs through : o Mailers o SMS o Emails o Personal Contacts 2) Number of applications received at the Spoke 3) Marketing activity converted into application 4) Cross Selling converted to Application 5) Number of Accounts opened at the branch 6) How many Applications converted to A/c opening & disbursement/business for Hub and Spoke wise 7) How many accounts in 60 day cycle with status and since when follow up not being done 8) Letter for re- schedulement of loan 9) Letter for change in ROI 10) BC/Security/Insurance - Expiring or Already expired etc. 11) LTV ratio 12) Income to installment ratio 13) CIBIL information 14) Spoke to follow up proposal with HUB 15) Turn around time for sanction of proposal 16) Hub to monitor spoke performances o Application Received o Application Reject o Application Sanctioned o Application pending with reason thereof 17) End user verification & security verification by Spoke and Hub with report 18) Loan disbursed 19) Scheme wise in a month 20) Scheme wise outstanding & overdue 21) Spoke wise & compute for the HUB 22) Recovery statement (i.e.monthly, Qtly, H/yrly and Yearly ) 23) Recovery statement amount wise, period wise, product wise etc. 24) Irregulars and NPA accounts position in all parameters 25) PDCs status where exhausted or to be exhausted (where 2/3 cheques remain in the account) 26) Demand & recovery data to be taken form Finnacle & than generate reports accordingly. 27) Scorewise behaviour of he account. 28) And other MIS as per proforma attached (Recovery position, disbursement, Outstanding, NPA and other parameter wise) at HO, CO, BO, RMD and other controlling offices level. 27 Annexure-E Technical Specifications (*) = The bidder should mention in the Column under ‘Bidder’s Response’ whether modules for all the required features/specifications as mentioned above are: S: Readily Available C: Customizable, free of cost, in the current version itself, before acceptance of the Software by the Bank N: Not available / cannot be made available Technology Specifications S/C/N Response of the Bidder Bank's Evaluation The proposed system should have the Following technology features: System Design Philosophy/Concepts/Architecture: Ability to segregate the data logically by functional group, department or Business unit? Suitable for functional groups to easily tailor the product to suit their needs? What is your general Integration strategy with third party packages and customer proprietary products? The proposed system should provide for integration tools for both synchronous and asynchronous integration? The proposed system should have been built on Pure Internet Architecture technology. Describe in detail the architecture of the system. The proposed application should support Unicode and support multiple languages using once instance of the package database? Support open standards for Integration like web services, XML etc.? Is there any use of any proprietary software for design, customization, deployment etc? Please specify in detail? Does the application provide a uniform single run-time architecture? Or are there multiple run-time architecture? Please specify all of them PC Client -User Interface Fat or Thin Client? Describe Software setup. Detail the approximate time required to install a client pc. If web-based client, is there any Software on the client? Is the entire application on a web client with no client software on the PC? If partial, specify what percentage of the functionality is supported on the web Client architecture? What web servers are supported? Do we have to buy the web server software separately or does the vendor provide it? The proposed architecture should support web browsers like Internet Explorer and Netscape Navigator. What web browsers are supported? Please also indicate the versions best suited for the proposed architecture. What programming languages are used (i.e. HTML, JavaScript, XML etc.)? Are Active X Controls or Java Applets used? Provide screen shots of 2 of your business screens? Customizing The application functionality should be flexible, and user friendly with capability to be customized by functional Group, department or Business Unit? Can we write our own add-on Modules with your system? How do customizations to your out-of-the-box application affect implementation of upgrades of your product? Is there a meta-data data dictionary oriented upgrade comparison -process built into the package? Describe the process for modifying data dictionaries. Discuss any restrictions to this process. For example, are there any specific data elements that cannot be modified by the user or are required? Can the system allow different fields to be required and/or displayed based on an individual user profile, group, or security class? Does your product utilize a Graphical User Interface (GUI) tool for users to 28 customize screens? Describe the process for the customer to create a new screen. Are there any restrictions to this process (for example, formatting standards that must be adhered to)? How do additions and modifications of screens affect the upgrade process and will these be preserved? What is your general Integration strategy with third party packages and customer proprietary products? Can all customization be carried out using one tool set? Describe the toolset. If no, how many tools does the developer need to know? Provide details of each tool. Report Generation/Design What native report-writing or inquiry tools are included with your product? What third party report writing tools do you support (i.e. Crystal, Brio, etc.)? Does the customer have to pay extra licensing fee for this? Capability to configure sending the printing outputs fax, Screen, File, e- mail message, Excel? If any other report formats are supported, describe other report formats. Every data element in the system able to be reported, sorted and queried on, including those added by the customer? Capability to format reports as Word, Excel, HTML, or Acrobat files? Describe the process for a user to create a new report. Are "wizards" available to guide the process? Capability to process multiple Reports concurrently? Search Capability Describe your search capabilities. On what technology is the search engine built? Does a third party develop it? If so, does the customer have to pay additional license fee for the same? Capability to support various searching options viz., Full-text, keyword, wildcard, user defined ranges, query by SOL operators (=, <, >, null, not null, etc.), multiple conditional queries, etc. System Security Ability to configure different users (employees, trainers, managers) at different levels of security based upon their job role? Describe your security framework. How do you structure your security roles? The proposed system should support Database level security, and/or Application -Role Based Authorization (RBA). Supports field level security? Supports user level security? Supports module level security? Describe the level of access we can assign to users? The system should have the ability to customize the roles to any degree we desire? (For example, Modify Insert/ Update/Read-Only access to certain system "resources.") Capability to define any number of roles and flexibility to modify these roles? Ability to define security system administrators? Can security be delegated to certain end-user groups? Describe now the passwords and security codes are maintained on the System. Capability to allow users to change their own passwords to the application. The proposed application should provide complete logging and audit trails of activities performed by users. Hardware and Software Platforms Is there any software that the vendor OEM's and provides at no extra cost to the Customer? Database Platforms The proposed application should be Platform (O/S, database/RDBMS) Independent? Does the application Support multiple RDBMs? Please specify all supported RDBMS. Maintenance Describe the maintenance process of the application after deployment? Provide details on the skills, number of resources required and the effort requisite to maintain the application suite. Please include database administration and system administration efforts. Deployment Describe the deployment process? What additional hardware and software is required to deploy the applications on 29 a WAN and for remote users without access to our network? Describe the deployment process when application is upgraded. What is the typical cost of deployment in terms of hardware, software, skills, effort? Others What is the deployment strategy recommended by the vendor? Capability to run the reports on the browser? Can the common web server deployed for other applications integrate with this application? What is the authentication Mechanism used by the application? Ability to integration with Windows Active directory for Authentication purposes? The security features of the proposed application should be “encryption aware"? The security features of the Proposed application should "SSL Aware"? Provide broad hardware sizing Guideline for the different tiers in the Architecture? How does the exchange of packets happen between the different tiers of the application architecture? Is it through text or is it encrypted. Documents to be provide with the bid 1. 2. 3. Technical Bid Commercial Bid Documents with Technical Bid a. All annexure (A-E) as per the bid document b. Hardware sizing (approximate including network Bandwidth ,DBMS, Utilities, Middleware, license, ATS of software and AMC of hardware components) c. Unpriced BOM for hardware d. Schematic diagram of Proposed Solution e. Vanilla Implementation plan (with duration of implementation & roadmap for the same) f. Documents supporting prequalification criteria in Annexure A. g. Undertaking of compliance of section 2 h. Undertaking of compliance of upgrades 30