Account Opening
CustomerTellerLoan OfficerBranch MgrAdminSystemNPCIBank CoreAppraiser
Online
CustomerMobile OTP + details
➜
Systeme-KYC fetch (Aadhaar/PAN)
➜
CustomerAccount type, nominee, e-sign
➜
TellerVerifies KYC + AML
➜
Branch MgrApproves
➜
Bank CoreCreates ID + account no.
➜
SystemSMS · card · passbook
CustomerVisits branch
➜
TellerKeys data + scans docs
➜
Branch MgrApproves
➜
Bank CoreIssues account
Cash Deposit & Withdrawal
CustomerTellerLoan OfficerBranch MgrAdminSystemNPCIBank CoreAppraiser
Deposit
CustomerDeposit slip + cash
➜
TellerID/PAN check, counts
➜
Bank CoreCredit posted
➜
SystemReceipt + SMS
Withdrawal
CustomerSlip + signature / OTP
➜
TellerBalance + signature check
➜
Branch MgrApproves above limit
➜
TellerPays cash
➜
Bank CoreDebit + SMS
Add money online
CustomerUPI / Net banking / Card
➜
NPCIAuthorises
➜
Bank CoreCredits
➜
SystemAlert
UPI Linking & Payment
CustomerTellerLoan OfficerBranch MgrAdminSystemNPCIBank CoreAppraiser
Linking
CustomerOpens UPI app, picks bank
➜
NPCISIM binding check
➜
Bank CoreFetches accounts
➜
CustomerCreates UPI ID + PIN
➜
NPCIRegisters VPA
Payment
CustomerScans QR / enters UPI ID
➜
NPCIRoutes request
➜
Bank CorePIN auth + debit
➜
NPCICredits beneficiary bank
➜
SystemSMS to both
Loan Lifecycle
CustomerTellerLoan OfficerBranch MgrAdminSystemNPCIBank CoreAppraiser
Common
CustomerApplies
➜
Loan OfficerKYC + bureau + docs
➜
AppraiserValuation
➜
Branch MgrSanction ≤ limit
➜
AdminHigh-value sanction
➜
CustomerAccepts + e-signs
➜
Bank CoreDisburse + EMI plan
➜
SystemAuto-debit + reminders
Gold
AppraiserWeigh + purity test
➜
Loan OfficerPledge + sanction
➜
Bank CoreDisburse
➜
TellerVault sealing
➜
CustomerRepays → gold released
Vehicle
CustomerQuotation
➜
Loan OfficerVerify + insurance
➜
Branch MgrSanction
➜
Bank CorePay dealer
➜
Loan OfficerRC lien entry
Fund Transfer (NEFT / RTGS / IMPS)
CustomerTellerLoan OfficerBranch MgrAdminSystemNPCIBank CoreAppraiser
Flow
CustomerInitiates + OTP
➜
SystemLimit + fraud check
➜
Branch MgrApproves above limit
➜
Bank CoreDebit + send to rail
➜
NPCISettlement
➜
SystemUTR + alert