Every fortnight, four people spend hours rebuilding one return. By hand. Your core banking system already produces the data — Techarthik turns it into every regulatory and financial output your bank owes.
These are not six products. They are six workflows reading the same reconciled data — so a figure proved once is read by everything downstream. Select any module for the before-and-after.
Status is labelled honestly. Financial Statements is a compiled application in active use at a real co-operative bank. The RBI returns suite is validated against a real bank's trial balance and is not yet connected to RBI's CIMS portal.
Five human hand-offs, repeated for each of 29 returns. NDTL is re-derived separately in every one — and nothing checks that they agree.
Proved once, then read by everything downstream. NDTL is computed once; every return reads the same figure.
The data is not the problem. What happens to it afterwards is: no shared source of truth, and no cross-check between returns required to agree.
Basis. Today: 4 people × 10 days = 40 person-days, ~₹90,000 per cycle in staff cost. With Techarthik: one person, half a working day, ~₹1,100 per cycle. Calculated on an average salary of ₹50,000 per person per month. Indicative — Techarthik's own projection, not measured at a live client.
No software prevents fraud, and none of this claims to. The narrower point: weak
processes have consequences, and this sector carries more of them than anyone else.
Source: RBI Annual Report FY25; RBI press release, 24 February 2025.
Capital · Governance · Credit · ALM · IRACP · CRR · SLR — restated together.
The reporting fortnight — the unit the whole return is built on — changed.
In a controlled system a rule change is a configuration update. In a workbook it is a rebuild.
Each one carries its own statutory citation, applicability rule and frequency. Nothing invented — the field structures come from the RBI specifications and Master Directions themselves. Select any return for detail.
Every one of the twenty-nine returns runs the same workflow — the same import, the same engines, the same validation and the same trail. The team learns it once.
The hard part of a return is not the form — it is the computation behind it. Seven shared engines implement the RBI algorithms directly, so figures derive themselves from the ledger instead of being typed in from a side workbook.
Form B NDTL must equal Form I NDTL
PASSForm B bank credit must equal OSS-1 loans and advances
PASSSLR held must not fall below the statutory minimum
PASSBlock stops filing. Warning flags it. Either way it is caught inside the bank. Automation speeds a wrong number — control questions it.
Four questions the spreadsheet cannot answer.
Even a re-validation two days later is on the record. Twenty-eight more returns — same dataset, same trail.
Read by every function above it. A figure proved once is read by everything downstream, and returns that must agree are cross-checked before filing.
Techarthik reads from your existing core banking system. Your bank does not need to replace anything for it to work.
One workflow.
In parallel with your current process.
The control, on your own numbers.
Across the bank.
No bank-wide migration.
A short film on the platform — the six workflows, one controlled dataset, and what the bank stops doing by hand.
Shipped is shipped and in-build is in-build — we label the difference honestly, because our customers are regulated entities and so are their auditors.
Direct filing into RBI's CIMS portal with the official XBRL taxonomy, replacing today's taxonomy-ready export.
Scheduled pulls from the core banking system, so the trial balance and CASA extracts arrive without a manual export step.
QR/barcode tagging, branch-wise register and automated depreciation with a full movement trail.
GSTR-2A/2B versus purchase register matching, RCM tracking and s.17(4) ITC treatment.
Auto-generated board reporting pack drawn from the same reconciled dataset as the returns.
Period-over-period variance flags on ledger movements and asset-quality slippage, surfaced before filing.
We take the manual work — and the risk — out of your bank's RBI reporting. A walkthrough runs about forty minutes, on your own return set.