INTELLECTUAL INFO SOLUTIONS PRIVATE LIMITED

CHAPTER – 01

INTRODUCTION ABOUT INDUSTRY PROFILE.

1.1 Industry Profile

SOFTWARE INDUSTRY
The Software Industry is a segment of computer programming activity traded between software-
producing organizations and corporate or individual software consumers. It represents only a
fraction of domestic software activity and is not reliably estimated due to its value being not
captured by the industrial census or software industry analysts. In 2000, the U.S. market for
traded software was $138 billion, and the top 500 U.S. software firms' total revenues were $259
billion. The industry consists of three main sectors: programming services, enterprise software
products, and shrink-wrapped software products. Established in the mid-1950s, the mid-1960s,
and late 1970s, these sectors were established in response to technological opportunities and
business environments. Successful firms developed specialized capabilities, making it difficult
to move into other sectors. The software industry is not limited to independent software vendors
but also includes computer manufacturers like IBM, Unisys, and NCR, who supply
programming services and software products alongside their hardware offerings. The U.S. has
been the world leader in the software industry, accounting for half of global revenues and an
estimated three-quarters of the software products market.

Programming Services
In the 1950s, the first commercial electronic computers, known as "mainframes," were sold for
high rents of $100,000 a year. Most computer-owning corporations undertook their own
program development and operations. However, by the mid-1950s, mainframe prices had fallen
significantly, leading to the rise of software contractors. Many early programming services firms
were established by programming entrepreneurs to meet this demand. The first such firm was
the Computer Usage Corporation (CUC), which initially specialized in developing technical
applications for oil and engineering industries. In the mid-1950s, a different type of entrant
emerged, specializing in the construction of large programs beyond the technical capability of
even the largest and most sophisticated users.

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The first such firm was the Systems Development Corporation (SDC), a subsidiary of
RAND Corporation, Santa Monica.

Enterprise Software Products :

In the 1960s, computer usage surged due to rapid technological advancements, leading to
improvements in speed, capacity, reliability, and price. The concept of packaged software
emerged as a solution to supply software for the expanding computer population, which by the
mid-1960s had outstripped the programming manpower needed to write custom software for
each individual installation. Software packages were pre-written programs designed for specific
industries or common applications, such as payroll processing or inventory management.
Initially supplied at no cost by computer manufacturers, these packages were later sold by
established programming services firms, known as "products," to distinguish them from
manufacturers' free packages.

The distribution of "free" software packages restrained the growth of the software products
industry, making it difficult to compete against free packages that provided added value. IBM
unbundled its software and services in 1970, converting many of its software packages into paid-
for software products, giving a major fillip to the industry. During the 1970s, several hundred
existing programming services firms and many new ventures entered the software products
industry, including firms like Computer Associates and Oracle, which later became leading
players in the enterprise software industry.

The software products market experienced a sustained annual compound rate of 30 percent in
the 1980s, growing from aggregate sales of $2.7 billion in 1980 to over $30 billion by the end
of the decade. Leading firms have generally grown through consolidation or dominating a
particular software genre through organic growth. By the 1990s, two major software genres
accounted for perhaps a half of all corporate software sales: relational database software and
enterprise resource planning (ERP) software.

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Shrink-Wrapped Software :
The invention of the inexpensive microprocessor in 1971 transformed computers into consumer
products, leading to the development of a shrink-wrapped software industry in the 1970s.
Microsoft, founded in 1975 by Bill Gates and Paul Allen, was one of the first firms to catch the
wave of personal computing, focusing on basic operating software for micro-computers. Mass-
market personal computers, such as the Apple II and the Tandy TRS-80, arrived in 1977-1978.
WordStar and VisiCalc became the top-selling programs, with sales of over half a million copies
by 1983. Productivity applications, such as desktop publishing, computer-aided design, and
personal finance, accounted for around half of software sales.

Network effects led to a single product dominating a software genre, with WordStar and
VisiCalc being the top-selling programs. However, the pecking order of top software products
changed only when there was a major discontinuity in the personal computing environment,
which temporarily overcomes these network effects. The IBM-compatible PC in 1981
introduced two new productivity applications that eclipsed VisiCalc and WordStar, dominating
the platform for a decade.

In 1990, the introduction of Microsoft Windows 3.0 marked a significant shift in the personal
computer market, with Excel, Word packages, and Microsoft Office becoming the dominant
products. This led to a restructuring of the industry, with competitors merging to offer similar
"office suites." By the mid-1990s, office suites and individual productivity applications sold
around fifty million units annually, with three-quarters being Microsoft products.

The Internet Era

The 1980s PC adoption significantly impacted office workers and domestic computer users,
with senior managers focusing on spreadsheets and junior executives on typing. The
introduction of the World Wide Web in the early 1990s made the Internet accessible to ordinary
users, with the Web browser used in desktop computers and invisible software in servers making
Web pages available to remote users on demand. Netscape Communications Corporation was
the first and most important supplier of software for the Web, followed by Microsoft's Internet
Explorer in 1996. The Web initially lacked interactive experiences but has since expanded to
include financial services, travel information, entertainment, auctions, retail services, and
information products. The software industry will continue to be the collective term for firms
supplying programming goods and services.
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Government Initiatives :

Indian IT/Software Industry's Global Impact

1. Positions India as a preferred investment destination and creates significant job

opportunities globally.
2. Industry's revenue growth has been significant, with a relative share of around
7% to India's GDP in FY2023-24.
3. India is the top off-shoring destination for IT companies globally.
4. The industry offers cost-effectiveness, quality, high reliability, speedy deliveries,
and use of state-of-the-art technologies.
5. India's IT-BPM industry is expected to reach USD 254 billion, with exports of
around 200 USD Billion in FY2023-24.
6. The industry employs 5.43 million professionals, with women accounting for 36%
of the total industry workforce.
7. The Ministry of Electronics and Information Technology is coordinating strategic
activities, promoting skill development, enhancing infrastructure, and supporting
R&D.

1.2 Objectives of the Study :

 To learn about the overall Software industry.

 To Study on organizational study.
 To Identify organizational strengths, weaknesses, Threats and Opportunity .
 To Acquire Knowledge on Admin role.
 To Gain practical exposure to the activities of each department within the
organization.
 To Acquire interpersonal skills.

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1.3 Needs of the Study :

Summer internship project reports address an educational gap by connecting theory and
experience. Students can gain a deeper understanding of their subject of study by contextualizing
their learning in real-world settings, going beyond textbooks. These reports are quite important
in the professional realm. These documents provide physical documentation of a student's talents
and accomplishments, making them important for future job chances. Internship project reports
are a valuable tool for employers to evaluate candidates' practical skills, flexibility, and work
ethic.

1.4 Significance of the Organization Study :

1. Industry Insights : Understanding Intellectual Info Solution Pvt Ltd can provide insights
into the Software industry, particularly in the field of Consultant & Services. This can help
researchers, analysts, and stakeholders gain a better understanding of market trends,
challenges, and opportunities in this sector.
2. Solidifying your learning : Writing a report encourages revisiting the internship experience,
organizing leanings, and reflecting on the internship's application to theoretical knowledge,
strengthening understanding and aiding in information retention.
3. Showcasing the Skills : A well-written report exhibits analytical and problem- solving
abilities via the presenting of data, communicating complicated ideas in a simple and
succinct manner.
4. Economic Impact : Studying Intellectual Info Solution Pvt Ltd's operations, Service
processes, and market presence can provide valuable information about its contribution to
the local and national economy. This can help policymakers, economists, and business
leaders assess the IISPL's economic impact and make informed decisions.

1.5 Methadology :
Research methodology refers to the techniques used to find and analyze information for a study,
ensuring that the results are valid, reliable and that they address the research objective.

The research was based on the primary and secondary sources of information. The present study
was undertaken in the area covered by Intellectual Info Solutions Pvt, Ltd.

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Research Design :

The research design for this study is descriptive in nature.

Primary Data :

Directly obtaining first hand information from the source is one of the main ways of data
collecting. A variety of techniques, like as surveys, interviews, observations, and experiment etc

The primary data is collected by direct interview, communications with the organization people.

Secondary Data :

Secondary data is information gathered by a party other than the original user. It indicates that
the data has already been analysed and is available. Books, journals, periodicals, magazines, and
newspapers are examples of secondary data.

This information was gathered by visiting the Company’s website and reviewing current Annual
reports and materials of the Organisation.

1.6 Limitations of the study :

 Limited access to confidential information.
 Narrow scope of assigned tasks.
 Fixed duration of internship.
 Compliance with regulatory restrictions.
 Restricted access to research facilities.
 Limited interaction with key stakeholders.
 Bound by confidentiality agreements.
 Resource constraints.

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CHAPTER – 02

COMPANY PROFILE

2.1 Introduction About the Company :

Intellectual Info Solutions Pvt. Ltd. (IISPL) founded in 2003, the company has been providing
development and consulting services in India. By partnering with local software companies we
provide service to meet local client requirements. By using corporate development resources in
India.

Currently, IISPL has more than 70+ (more than 400 branches) customers in co-operative bank
and 100+ customers in co-operative society.

IISPL is now one of the leading Core Banking Solution provider and is known for its domain
knowledge, committed support and services.

2.2 Vision and Mission :

Vision :

“Is to excel in the areas of Information infrastructure Services”.

Mission :

“To be a leading center of excellence in the provision of cost effective and integrated solutions”.

 IISPL vision is to provide full-fledged IT solutions products with best support and services
to our Clients in Finance and Banking Domain to enhance Business growth and Revenue of
our clients, by leveraging cutting-edge technologies and modern trends in Fin-Tech industry.

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 To be a leading provider of advanced Core Banking Solution (CBS) Software to Co-

operative Banks, Credit Co-operative societies, Souharda Sahakari, by using the recent
innovations in the areas of IT, Internet-of-Things (IOT), ITES, Internet and Mobile
Technologies.
 To provide cost effective, integrated IT solutions to our clients, which meet all the expected
requirements of our clients and adhere to all the rules & guidelines issued by regulating
/statutory bodies such as RBI, IDRBT and Cert-In.

Logo of IISPL:

Values of IISPL:

Growth
Through excellence in service.

Continuous Improvement
By continuous learning & self-improvement and cultivate innovation and creativity.

Client Focus
IISPL clients and vendors are partners in our Success.

Professionalism

IISPL adopt a professional attitude in all of our transactions with clients & vendors.

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IISPL Teams are in Various Location :

 Bengaluru Team
 Tumkur Team
 Bagalkot Team
 Davanagere Team

Nature of Business:

Intellectual Info Solutions Pvt. Ltd. (IISPL) Overview:

 Provides application development, enterprise business solutions, testing, and infrastructure

management.
 Offers business process outsourcing (BPO) services, focusing on knowledge services,
human resource operations, finance and accounting, and customer operations.
 Offers network solutions and services, including network integration, managed services, and
transformation services.
 Specializes in cutting-edge technologies like Data analytics, cloud computing, IoT, ITES,
Internet and Mobile Technologies.
 Provides consulting services in enterprise architecture, risk and compliance, business
transformation.

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2.3 Organizational Hierarchy :

An organizational framework with layers. At the top are the directors, followed by the managing
director, team leaders, managers, and employees. The organization's authority and decision-
making power are depicted by the downward-pointing arrows.

2.4 Work flow model :

From the above figure the IISPL has four directors, one of whom was chosen as managing
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director. One administrator and three managers report directly to the Managing Director. Each
squad is led by one of the three managers. They have a marketing manager who reports to the
administrator. I noticed that the hierarchy level flows downwards.

2.5 Quality Control :

Intellectual Info Solutions Pvt. Ltd., ensuring high-quality software products requires a robust quality
control process that encompasses multiple aspects of software development. This includes defining
clear quality standards aligned with industry best practices and customer expectations, as well as
employing various testing techniques such as unit testing, integration testing, system testing, and user
acceptance testing. Automation tools can help streamline testing, improving efficiency and
consistency.

Implementing a Continuous Integration/Continuous Deployment (CI/CD) pipeline ensures that code is

continuously tested and deployed without manual intervention, reducing errors. Regular code reviews,
pair programming, and adherence to standards further strengthen the code quality. Tracking key quality
metrics, collecting user feedback, and having a structured defect management process enable the
company to monitor and address issues effectively. Ongoing training, documentation, and post-release
monitoring are also essential to keep the software performing well in real-world conditions and
continuously improve. With these practices in place, Intellectual Info Solutions Pvt. Ltd. can deliver
reliable, secure, and user-friendly software solutions.

The company must also invest in ongoing training for its development and quality assurance teams to
keep them up-to-date with the latest testing methodologies, tools, and technologies. Proper
documentation of processes, coding standards, and best practices helps maintain consistency and
facilitates future software maintenance and upgrades. By adopting these quality control measures,
Intellectual Info Solutions Pvt. Ltd. can create high-quality, secure, and scalable software solutions
that meet client expectations and perform reliably in real-world environments. This holistic approach
to quality ensures that the company remains competitive in an ever-evolving industry.

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2.6 Research and Development / Innovations :

Research and Development (R&D) is a crucial aspect of any innovative technology-driven company,
including Intellectual Info Solutions Pvt. Ltd. In the software industry, R&D is fundamental for staying
ahead of market trends, improving existing products, and developing new, cutting-edge solutions that
meet the evolving needs of clients and end-users. Below is an overview of R&D strategies and practices
that the company can adopt to foster innovation and enhance its competitive edge.

1. Innovating New Technologies : One of the primary focuses of R&D is identifying emerging
technologies and trends that can drive innovation within the company’s software products. This
could include exploring advancements in areas like artificial intelligence (AI), machine learning
(ML), blockchain, Internet of Things (IoT), cloud computing, and cybersecurity. By integrating
these technologies into software solutions, the company can offer advanced, future-ready products
to its clients.

2. Prototyping and Experimentation : Experimentation R&D departments often focus on creating

prototypes and proof-of-concept solutions to test new ideas. These prototypes allow the company
to explore the feasibility of incorporating new features, designs, or technologies without
committing to full-scale development. Rapid prototyping also helps identify potential challenges
early, allowing for faster refinement and iteration.

3. Collaboration with Academia and Industry : Collaboration with academic institutions and industry
experts is a key strategy for fostering innovation. By staying connected with universities, research
labs, and industry organizations, Intellectual Info Solutions Pvt. Ltd. can gain access to the latest
research and development trends. Such partnerships provide opportunities for joint research
projects, funding, and exposure to new methodologies and cutting-edge technologies.

4. Investment in Talent and Skill Development : To drive successful R&D, Intellectual Info Solutions
Pvt. Ltd. must attract and retain top talent with expertise in cutting-edge technologies. This could
involve recruiting researchers, software engineers, data scientists, and designers with a deep
understanding of emerging technologies. Additionally, the company should provide ongoing
training and professional development opportunities to ensure the R&D team remains
knowledgeable about the latest advancements and trends in the tech industry.

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5. Intellectual Property (IP) Management : As part of the R&D process, the company should consider
protecting its innovations through intellectual property (IP) rights, such as patents, trademarks, and
copyrights. Having a solid IP strategy helps safeguard the company’s technological advancements
and gives it a competitive advantage in the market. Proper IP management can also open
opportunities for licensing and partnerships with other organizations.

2.7 Product / Service profile :

Product :

AVISHKAR ( CORE BANKING )

A bank's core banking software is its central nervous system. It's the backend software that manages all of a
bank's essential operations, such as :

 Opening and terminating accounts, monitoring balances, and controlling deposits and
withdrawals are all included in account management.
 Transactions: All of your transactions, from simple debit card purchases to intricate loan
payments, are processed by core banking software.
 Customer data: All of your banking data, including account information, personal data,
and transaction history, is securely stored.
 Compliance: The program assists banks in following all applicable financial
requirements.

Imagine it as the main hub through which all of a bank's financial data is processed and
exchanged. It guarantees that all of your accounts and transactions are correct and current and
keeps everything operating properly. Avishkar might be a customized solution for a single bank
or financial institution, since many institutions have internal IT teams that create unique
software. It might also be a product from a smaller, less well-known corporation, as many
smaller organizations provide essential banking software. To learn more, look up the company
or product name on the internet. The term "Avishkar" might be a misspelling of another basic
banking software package, as there are other options on the market. If you recall any additional
information about the program, such as the firm or its characteristics, you might be able to

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identify it.

Advantages of using this software in bank and Co operative Societies :

 Enhanced operational efficiency: automates manual chores, simplifies procedures, and

removes data silos, resulting in speedier transactions and more production.
 Improved client Experience: Enables real-time access to accounts, transactions, and
tailored services, increasing client loyalty and satisfaction.
 Increased Product Innovation: Enables the rapid and efficient introduction of new goods
and services.
 Improved Regulatory Compliance: With built-in reporting and audit tools, institutions
may better comply with complicated rules.
 Improved Risk Management: Advanced analytics and data management skills promote
financial stability and security.
 Scalability and flexibility: Ensure that bank operations are future-proof.

SERVICES :

A. SMS Banking :

SMS banking' is a form of mobile banking. It is a facility

used by banks or other financial institutions to send
messages (also called notifications or alerts) to customers'
mobile phones using SMS messaging, or a service
provided by them which enables customers to perform
some financial transactions using SMS.

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B. Mobile Alerts :

Costumers stay connected with There Bank Account through our SMS Alert and Request
Facility. With this service, They will receive an SMS on There registered mobile number
informing Them about latest banking transactions like credit or debit, cheque return etc. in
there account.

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ii. Non Financial Transactions ( Internet Banking )

 Can Get Print outs of Statements.
 Can view all the Account Balances .
 Can view Account Information ( ROI, Deposit date, Maturity date )
 Can get mini statement more than 10 Transactions.

 Can request the cheque book Facility.

 Customer KYC Compliance and Status.

 Can get information about Facility availed and Request for value added Services.

• Internet Banking
• ATM Debit Card
• IMPS
• APBS
• Missed Call Banking.

 Direct and Indirect Liabilities Status ( Over dues and NPA Alerts)

 Standing Instructions Request and Modification.

 Bank New Schemes and Rate of Interest for Loan and Deposits

 Stop Payment Request

 SMS Alerts Limit Modification

 Find Transactions with Instrument Number and Amount wise And Date wise

 Social Security Schemes Registration and Linking – PMJJBY and PMSBY

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iii. Missed Call Banking :

Missed Call Features- Customer Latest addition to increased accessibility for bank balance check

is the introduction of balance enquiry numbers. Private as well as public banks have been

included in the ambit of this customer service initiative. Most banks have set up dedicated

numbers for their customers’ convenience. customer giving a missed call to this number from

his registered mobile number will be messaged his bank balance instantly. This process is an

instant service and not as time- consuming as walking into an ATM or a branch for the same

activity.

Advantages of Miss Call Banking

 Works on any device.

 Internet connectivity not required.
 Available 24/7.
 Get balance of all accounts in a single missed call.
 Get last five transactions* in a single missed call.

Bank Missed Call Eligibility :

 For Getting Balance, the mobile number should be linked to your accounts.

 This service will work only in case there is one account link to the registered
mobile number.

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iv. KISOK :

KIOSK Banking e-Lobby and KIOSK may be defined as ―Bank branch without Bankers‖ and
also this may be seen as ―Next Generation Bank Branches‖ by delivering automated banking
Products & Services without manual intervention. In this pursuit, Bank is installing e- Lobbies
and KISOSK.

Advantages of e-Lobby and KIOSK :

Account Opening: It is necessary to open a no-frills account to operate under kiosk banking.
Fund Transfer: Kiosk banking makes it easy to transfer money from one bank account to
another at minimal or no charges applied.

Cash Deposit: The customer can deposit cash into a savings account through kiosk banking.

Cash Withdrawal: The account holder can withdraw a sum only by being physically present
and using his thumb impressions.

Passbook Entries: Like in regular banks, the kiosk banking outlet also makes the passbook
entries.

Cheque Clearance: The customer can deposit the cheque in such kiosk branches to be encashed.

RTGS and NEFT: Payments through Real Time Gross Settlement (RTGS) and National Electronic

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Fund Transfer (NEFT) are possible at kiosk branches.

Print Statements: The account holder can view the account statement and can even get it printed
at a kiosk branch.

Issue Cheque Book: Kiosk banking provides the facility of getting a new cheque book issued.

V. RTGS / NEFT Hostto Host CBS Interface :

RTGS / NEFT Host to Host CBS Interface

Since the inception of NEFT and RTGS there has

been an increasing trend amongst Corporate to move
from paper based transactions to electronic
transaction mode. NEFT and RTGS transactions are
credited directly to the customer accounts; many
customers find it difficult to reconcile the
transactions based on the credit transaction
information alone.

CBS Host Interface Solution from IISPL provides a fully integrated solution for enabling
e-collections for the corporate customers with capabilities like online validation over web
service connectivity and real time transaction update directly to the client's systems.

Keysteps involved - for Inward Transactions :

 Remitter (CLIENT Dealer) initiates NEFT / RTGS to IFSC – YESB0CCH274 A/C No.
1234ABCD1234
 Validation of CLIENT Dealer as per the data maintained in Bank CBS Database system,
over web service connectivity done by CBS Host interface.
 If validation is successful, Sponsor Bank to process the transaction. The credit of the
transaction would be done in the current account of CLIENT.
 Once the transaction is successfully posted in the current account and related accounting
entries completed at Sponsor Bank’s end, transaction processing update is sent to
CLIENT, real time over web service connectivity.

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CBS Host interface process the transaction @ bank and credit to Customer Account and
Bank Adjustment :

 CBS Host Interface to provide transaction confirmation to Sponsor Bank for the step
[4] OR provide for duplicate (in case of a reattempt in posting the transaction
confirmation) – applicable only in case of web service update
 CBS Host interface made automatic Transaction entries for any branch Accounts
with Head office adjustments.

CBS Host Interface allows IMPS credit transaction only if provided by Sponsor Bank.

Keysteps involved - For Outward Transaction

 Clerk enter the Outward Transaction Details in IISPL Web based RTGS User
Interface
 Authorization done by Passing officer
 Push the Outward transactions to Sponsor Bank Server
 Reversal MIS Response from Sponsor Bank Server and Updated in CBS Database

vi. ATM Sharing RUPAY Cards :

ATM Sharing Program allows us to offer ATMs that are capable of delivering
individually branded transactions to the cardholders.

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Advantages of ATM Sharing :

 Provides same user experience as with your own institution’s ATMs

 Allows for brand presence
 No capital outlay or operational responsibilities for the ATM
 Less costly than a fully branded ATM

RuPay :
product of National Payments Corporation of India (NPCI),the umbrella organization
that powers retail payments in the country. The provision under the Payment and
Settlement Systems Act, 2007, empowered the Reserve Bank of India (RBI) and Indian
Banks’ Association (IBA) to create a secure electronic payment and settlement system
in India.

RuPay is India’s indigenous card scheme. It was conceived to fulfil RBI’s vision to offer
a domestic, open-loop, multilateral system which will allow all Indian banks and
financial institutions in India to participate in electronic payments.It is made in India, for

every Indian to take them towards a ―less cash‖ society.

vii. IMPS Facility :

IMPS (Immediate Payment Services) offer an instant, 24X7, interbank, electronic fund transfer service
through mobile phones. IMPS facilitate to use mobile instruments as a channel for accessing bank
accounts and put interbank fund transfers in a highly secured manner with immediate confirmation
features. This facility is provided by NPCI (National Payments Corporation of India).

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Advantages of IMPS :

 The fund transfer can be done using MMID, Aadhaar number and mobile number.
 IMPS serves you with the Debit and Credit Confirmation by SMS immediately.
 Using IMPS the money will be credited in the beneficiary’s account within a few
seconds.
 IMPS is safe, secure and cost-effective.
 IMPS has no minimum amount limit on transactions of funds.
 IMPS is available for 24 hours in a day and even on holidays.
 The customer can make intrabank as well as interbank payments.
 IMPS can be used on a mobile phone, internet banking and even ATMs.
 In IMPS it is not compulsory to know about beneficiary’s Account number and
IFSC.

viii. APBS and DBTL Facility :

Aadhar payment bridge system and Direct benefit transfer for LPG consumer.

APBS is a unique payment system implemented by national payments corporation of

India ( NPCI ).
Aadhaar number as a central key for electronically channelizing the Government
subsidies and benefits in the Aadhaar Enabled Bank Accounts (AEBA) of the intended
beneficiaries. It is a payment system based on Aadhaar numbers issued by UIDAI &
IIN (Institution Identification Number) issued by NPCI. APB System is used by the
Government Departments and Agencies for the transfer of benefits and subsidies under
Direct Benefit Transfer (DBT) scheme launched by Government of India.

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Advantages of APBS and DBTL

 Government of India (GOI) and Reserve Bank of India (RBI) in furthering

Financial. Inclusion by way of processing government disbursement using Aadhaar
number.
 To support various Schemes like NREGA, Social Security Pension, Handicapped
Old Age Pension etc. of any Central or State Government bodies, to send financial
details to the beneficiary using Aadhaar number.
 APBS is safe and secure.

 This payment system enables to credit Government disbursements like Subsidies

directly to customer accounts.
 Crediting of subsidies directly into bank accounts will reduce the leakage Like GAS
Subsidies.

ix. ECS Credit and Debit ( MMS ) H2H :

ECS was launced by the RBI for facilitating bulk transfer of funds from one bank to another
bank account. Loan providers use this facility to debit EIMs on the fixed date from the bank
account of the browser.

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Advantages of ECS Credit:

 ECS Credit is used by an institution for affording credit to a large number of

beneficiaries (for instance, employees, investors etc.) having accounts with bank
branches at various locations within the jurisdiction of a ECS Centre by raising a
single debit to the bank account of the user institution.
 ECS Credit enables payment of amounts towards distribution of dividend, interest,
salary, pension, etc., of the user institution..

Advantages of ECS Debit :

 ECS Debit mandates will take care of automatic debit to customer accounts on the
due dates without customers having to visit bank branches / collection centres of
utility service providers etc.

 Customers need not keep track of due date for payments.

 Cost effective.

 The debits to customer accounts would be monitored by the ECS Users, and the
customers alerted accordingly.

 ECS Debit is used by an institution for raising debits to a large number of accounts
(for instance, consumers of utility services, borrowers, investors in mutual funds
etc.)
Maintained with bank branches at various locations within the jurisdiction of a
ECS Centre for single credit to the bank account of the user institution.

 ECS Debit is useful for payment of telephone / electricity / water bills, cess / tax
collections, loan installment repayments, periodic investments in mutual funds,
insurance premium etc., that are periodic or repetitive in nature and payable to the
user institution by large number of customers etc

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x. BBPS :

Bharath Bill Payment System is an integrated bill payment system in india offering
interoperable and accessible bill payment service to customers through network of agents of
registered member as Agent Institutions enabling multiple payment modes, and providing
instant confirmation of payment.

National Payments Corporation of India (NPCI) functions as the authorized Bharat Bill
Payment Central Unit (BBPCU), which will be responsible for setting business
standards, rules and procedures for technical and business requirements for all the
participants. NPCI, as the BBPCU, will also undertake clearing and settlement activities
related to transactions routed through BBPS. Existing bill aggregators and banks are
envisaged to work as Operating Units to provide an interoperable bill payment system
irrespective of which unit has on-boarded a particular biller. Payments may be made
through the BBPS using cash, transfer cheques, and electronic modes.

xi. Chit fund Management :

Chit Fund Management is a complete ERP solution for chit fund companies.
ChitFund software is designed
specifically to meet the unique needs of
chit fund companies by providing an
integrated accounting package,
subscribers management, agent
management, auction and prize
management. ChitFund is built module

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wise to get effectively customized as

per the requirements of the chit fund
client.

Advantages of Chit Fund Management Software

 SMS Alerts and Intimation : Send Intimation/Auction Details through SMS/email. SMS
notifications will add one more advantage to chit fund business and will help your resource be in
advance of the competitors.
 Multiple Branches : Manage multiple branches from one location.
 Transparency & Client Satisfaction : Transparency to subscriber-Leads to confidence With
Client Satisfaction Increase Business with Peace of Mind.

 Cost Effective : The Most Efficient & Cost Saving Wayto manage your Chit.
 Member/Group Management : Member management is easy.Member information is taken
only once, when first time member comes.

xii. Mobile Application :

My Accounts

 Account Summary ( display account no and

balance amount in details)
 Transaction Accounts(SB / CA)
 Deposit Accounts ( FD/RD)
 Loan Accounts
 Share Accounts

 Mini statement : Last fund 10 transfer.

 Manage Beneficiary : Add and Approval of Beneficiary details with OTP.

 Self-Accounts : Fund Transfer enabled for Same customer accounts.

 Inter branch accounts : Within the same bank other customer accounts.

 RTGS/NEFT Transactions : Interbank transactions with beneficiary y management.

 Quick Transfer ( without adding beneficiary) : Interbank transactions without adding

beneficiary(Rs.10000/- Limit per day)* Services.

 Debit card Hot listing : ATM Debit card Blocking

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 Get MMID
 Display the MMID was allocated to the customer account.
 Cancel MMID
 Cancel Request for MMID
 Cheque Book Request
 Customer can raise the Cheque Book request with Nos of leaves.
 TDS Enquiry
 TDS Enquiry for Deposit accounts if applicable.
 Aadhaar
 Aadhaar Linking
 LPG ID Linking with Consumer ID
 Statement Request

xiii. IRIX Branch Less Banking :

IRIX - Branch Less Banking - 1

Branch less banking is the method of delivering banking services outside conventional bank
branches. This is mainly done through agents and using communication techonology. Mobile
phones or ( POS )terminals are the main vehicles through which branch less banking services
are delivered in unbanked rural areas.

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Advantages :

 Agent-based operations
Agency Banking operates with the help of agents who conduct transactions on behalf
of the unbanked. Banking agents can have a digital wallet or stored value account on
an online platform, and this platform can apply the set business rules to the
transactions started by the agents.

 Easy platform
An Agency Banking platform lets agents put in, and withdraw money from their digital
wallets with various business rules. The service can be used by agents for fund transfer
between stored value accounts, or to the bank account of customers from their stored
value account. Agent banking delivers financial services to the underserved and
unbanked populations, employing the use of mobile phones, POS (point-of–sale)
terminal, card readers and other technology for processing of real time transactions.

 Support for various transactions

It supports various types of transactions, such as voucher-less prepaid top-up, top-up
prepaid voucher sale, loan repayments, account balance queries, merchant’s services,
cash withdrawals, cash deposits, transfers and bill payments of various types, such as
fines, taxes, government fees, utility bills and more.

 Improved security
Bank customers can be issued a bank pin and a magnetic chip card or stripe, and use this
pin, which is readable by the agent’s terminal, and card for carrying out transactions.
Customers can get more security when compared to cash management. For agents, the
primary advantage is to drive more customers through their business or shop. Via agency
banking, Crowd Force has been able to empower our agents and the underserved
population. The agents are able to provide a number of financial, digital and crypto
services through our digital platform to the general masses. When structured and
executed properly, agency banking helps businesses scale to a larger level, gives people
easier access to digital services and digital identities, and provides a source of income
for our agents.

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IRIX - Branch Less Banking 2

OLiO is a technology platform with

comprehensive modules to manage
financial transactions, on-field devices,
product roll- out and reporting. As an
alternate banking channel, it enables end-
to-end customer sourcing and servicing. It
can be rolled out at merchant locations and
provide e-payment options to customers
through POS and Micro ATM channels.

Using OLiO, Banks and Financial Institutions can offer all their services including
Savings, SHG, Government Grants, Micro pensions/Investments, remittance, utility
payments and insurance enabling true financial inclusion.

Salient Features of OLIO :

 Face Detection and Crop: No more enrolments rejected due to bad or

improper photograph and no more manual photo editing or cropping.
 Multiple Authentications: Use of single or combination PIN, Finger print,
face recognition or Adhar.
 Complete enrolment : Capturing Biometric, KYC details, and photo etc of
beneficiary at one go.
 Enrolment and Transactions: Enrolment and Transaction on the same
device.
 Vernacular: Local language support voice guidance, receipt printing.

 Transactions: Supports Online and Offline modes of transactions, transactions

as per the ISO 8583 standards (ON US and OFF US transactions with NPCI
switch).
 Network: Network independent and works on either 3G, EDGE, GPRS or
Broadband.

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 Device Agnostic: Can run on any Java supported device (Mobile, PC or POT).
 QR Code/ Barcode: Quick and easy way to enrol and transact.
 Data security and Encryption: Use of PKS, AES and 3DES encryption algorithms.
 Card and Card less Transactions: Supports both card based (MagStripe) and card less
transaction.
 ServerEntity Management:Creation and management of various entities like Bank,
Business Correspondent or MFI with appropriate Branch creation and customer
management
 Device Management: An innovative approach to centrally manage the devices in the
field with just a click of a button from anywhere. Enable/ disable features, modify
number of receipts, mode of authentication etc from a central place.
 Product Management: Launch any new product in as less as 72 Hrs. to selected
CSP/Agent or every-one with all product features including Product name, min/max
amount, duration etc.
 MIS/Reporting: An exhaustive reporting module provides all the standard reports and
also deliver customized reports either on the web or on email as desired.
 OTA Deployment: Software installation and up gradation on to the client device is
managed Over the Air (OTA).One click installation of the client software.

xiv. Centralized KYC :

Central KYC or CKYC is a government initiative to bring KYC process OF

all financial sector entities under a single window. CKYC is managed by

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CERSAI (Central Registry for Securitisation). CKYC is a 14-digit number

linked with your ID proof. Your data is safely stored in an electronic format.
The documents submitted are verified with the issuer. All the concerned
institutions are notified when there are changes in KYC details. (Set
Reconstruction and Security Interest of India).

2.8 Competitors :

Domestic Competitor :

A. Infosys (Finacle) :

 Finacle : A core Banking Solution.

 Finacle is a core banking solotuion developed by Infosys, a major indian IT
company.
 Launched in 1999, it offers a wide range of banking functions.
 Popular for banks due to its comprehensiveness, flexibility, scalability, and
cloud- nativeness.
 Used by a diverse range of financial institutions, including traditional
banks, digital-only banks, fintech companies, and non-banking institutions.

 Benefits for banks include enhanced digital transformation, improved

efficiency, innovation, and increased customer satisfaction.


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B. Tech Mahindra :

Tech Mahindra leading Digital Transformation Provider.

 Established in 1986, operates in over 90 countries.

 Focuses on digital transformation, offering industry – specific solutions.
 FY 2022-23 financials: ₹48,855 crores (approx. $6 billion) and ₹5,197
crores (approx. $630 million).
 Acquired companies like Lightbridge Communications Corporation, Comviva,
Born Group to enhance network services, digital transformation, and engineering
services.

C. Wipro :

 Founded in 1945, Providing IT and Consulting Services.

 Headquatres in Banglore, Karnataka -India.
 Business Segments : IT Services and products , customer care, Lightnings.

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 Important Products and Services: Digital Transformation, Consulting Services,

Engineering Services, and Business Process Services.
 IndustriesServed: Healthcare and Life Sciences, Manufacturing and Technology,
Retail and Consumer, Banking, Financial Services, and Insurance.
 Global Presence: Over 240,000 people, offices in Americas, Europe, Asia-
Pacific, and Middle East.
 Leadership and Governance: Thierry Delaporte, CEO; Rishad Premji, Chairman.


D. TCS :
Tata Consulting Services

A Member of the Tata group of companies in India, TCS is a worldwide provider of

business solutions, consulting and IT , (BPO) Business process outsourcing (BPO) are
just a few of the many services it provides. Banking, financial services, manufacturing,
retail, telecommunications, healthcare, and life sciences are just a few of the areas in
which TCS works.

TCS provides consulting services in several domains, including cybersecurity, cloud

services, enterprise solutions, and digital transformation. In addition, it offers cloud
services, cybersecurity, IoT and digital engineering, enterprise transformation, and
cognitive business operations services. With operations in 46 countries and more than
600,000 workers globally, TCS has a significant global footprint.

Rajesh Gopinathan, the company's CEO and managing director, oversees a robust system
of corporate governance. The firm has won several accolades for its creative solutions,
corporate governance procedures, and work environment. It has been continuously
recognized among the best providers of IT services worldwide. With a significant
emphasis on sustainability, TCS actively supports corporate social responsibility (CSR)

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projects in fields including community development, health, and education via the Tata
Trusts. To keep a competitive advantage, TCS, a leader in the global IT services sector,
is investing in new technology and personnel development.

E. Accenture India :

Accenture is a multinational professional services firm that operates offices and delivery
facilities throughout many locations in India. As of over 200,000 workers in India
making it one of its biggest and most significany international marketplaces. Accenture
India provides a wide range of services, including digital consulting, techonolog, and
consulting to customers across several sectors.

The business operates a number of Global Delivery Centers (GDCs) in India that act as
central locations for providing services to customers all over the world. These GDCs
make use of Accenture's worldwide resources and expertise in addition to India's local
talent pool. A number of innovation centers and laboratories within Accenture India are
devoted to cutting-edge technologies including as artificial intelligence (AI), blockchain,
cybersecurity, and the Internet of Things (IoT).

The business makes significant investments in the development of talent, working in

collaboration with top academic institutions to find and nurture potential. For its
workers, Accenture India offers a range of certification courses and training programs.

Accenture India regularly participates in CSR programs including skill development,

environmental sustainability, and community empowerment. The company's operations,
strategy, and client relationships throughout the nation are managed by a group of
managing directors and senior executives.

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International Competitors :

1. IBM :

IBM India is a prominent private sector employer in India, employing more than 100,000
people. The organization places a high priority on diversity and inclusion, advocating
for worker skill development, gender equality, and accessibility. Additionally, IBM
India maintains a number of CSR programs focusing on community development,
education, and environmental sustainability. It has collaborated with NGOs and
government agencies to advance digital literacy and STEM education.

To promote innovation and skill development, IBM India has formed alliances and
partnerships with a range of institutions, including startups, universities, and trade
groups. With its broad range of goods and services, strong workforce, and research
capabilities, IBM India makes a substantial contribution to the nation's technological
environment.

2. Microsoft :

Microsoft India works with government departments, academic institutions, and

business partners to promote innovation, talent development, and digital transformation

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in the nation. The business localizes its language and adapts its methods to the specific
demands and preferences of the Indian market by customizing its products, services, and
strategies.

Microsoft India is a vital component of the company's worldwide operations, making a

substantial contribution to its R&D, product innovation, and market expansion plans
inside the Indian subcontinent.

With more than 16,000 workers as of 2024, Microsoft India, a division of Microsoft
Corporation, is a multinational techonology business with a significant presence in india.
The firm operates in many business sectors, like as Developer Tools, Windows
Operating System, Cloud Services, Office Products and Services, and Gaming. Xbox
game systems, games, and associated services are distributed and marketed in the Indian
market by Microsoft India.

3. Finastra software solutions :

Finastra was founded in 2017 and provides financial institutions with a broad variety of
software solutions for lending, retail banking, transaction banking, Treasury, and capital
markets.Through its open platform, FusionFabric.cloud, the firm encourages
cooperation between banks and fintech startups while concentrating on open financial
ideas. Finastra serves institutions of all sizes and has a global presence in more than 130
countries with over 8,100 financial institutions. Cloud-based solutions, which provide
scalability and simpler client access, are a key point of distinction. Finastra's open

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platform strategy encourages creativity by enabling integration with fintech and third-
party apps.

As a partner for financial institutions looking to embrace digital transformation and stay
up to date with the changing financial landscape, Finastra is a company dedicated to
change. All things considered, Finastra is a significant player in the financial software
market, providing a full range of solutions to banks and other financial institutions across
the world. The main office of prominent financial software provider Finastra is located
in London, England.

4. Systemanalyse Programmentwicklung ( SAP ) :

Founded in 1972, SAP is a global firm based in Europe that is recognized as the world’s
top supplierof enterprise application software ( EAS ). SAP provides integrated software
solutions for companies of all sizes.

It is the third-biggest publicly listed software firm by revenue and the largest non-
American software company by revenue. Enterprise Resource Planning (ERP) software,
which aids businesses in managing crucial operations including finance, human
resources, supply chain, and manufacturing, is their main offering. SAP provides a
variety of software products in addition to ERP, such as cloud computing, business
intelligence, and CRM. With more than 180 nations under its belt, SAP employs more
than 111,000 people and serves 25 distinct industries in six sectors. Additionally, the
business is a significant player in the cloud computing market and is aggressively
integrating, Its software products use machine learning and artificial intelligence.

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5. Oracle Corporation :

Leading the software business globally, Oracle Corporation is well-known for its supremacy
in database management systems (DBMS). Because of its widespread acceptance and
dependability, oracle database the largest database management firm in the world—is a
preferred alternative for enterprises throughout the globe. Oracle provides an extensive range
of business software tools, encompassing not just databases but also Human Capital
Management (HCM), Supply Chain Management (SCM), Customer Relationship Management
(CRM), and business Resource Planning (ERP).

Oracle has made great progress in providing cloud-based versions of its infrastructure
and software products in response to the industry transition. Because of this, companies
can use and access their apps without having to worry about maintaining their own
hardware. Even with shifting market shares, Oracle is still a powerful player in the sector.

One of Oracle's advantages is its extensive portfolio of integrated solutions, which

enables its many software products to function together with one another and offer
organizations a cohesive platform for effectively managing their data and operations.
Oracle is still one of the biggest software businesses in the world and a powerful
influence in the software sector as a result.

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6. SAAS Solutions :

Software as a service ( SAAS ) is a software delivery model that allows users to access
applications over the internet through a wb browser or mobile app. It is subscription
based, clod – hosted, and offers automatic updates and security patches. SaaS Solutions
can easily scale up or down to accommodate changes in a business needs making them
ideal for remote workforce.

Benefits of SaaS solutions include reduced costs, faster deployment, improved

maintenance, automatic updates, scalability, and accessibility. Applications in the
software industry include Customer Relationship Management (CRM), Enterprise
Resource Planning (ERP), Project Management, Content Management Systems (CMS),
Email and Collaboration, and Human Resource Management (HRM).

SaaS has revolutionized the software business by providing a number of benefits over
conventional on-premise software, leading to its rise. It makes expensive software
accessible to all types of enterprises, democratizing access to it. Because manufacturers
may swiftly offer new features and functions, it also encourages innovation.

SaaS is predicted to survive as long as cloud computing and internet connection continue
to develop. SaaS will continue to rule the software market as more potent and creative
solutions for an expanding array of corporate requirements surface.

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2.9 Departments :

Intellectual Info Solutions Pvt Ltd, have a several key functional areas that are essential
for its operation and growth. These areas typically encompass various departments or
divisions, each responsible for specific tasks and objectives. Here's an overview of some
key functional areas commonly found in Intellectual Info Solutions Pvt Ltd:

1. Human Resources (HR) :

Human resources oversees employee recruiting, hiring, training, and development.It manages
employee relations, administers benefits, and guarantees that labor rules and regulations are
followed. HR also plays an important role in creating a healthy work culture and resolving
internal problems.

2. Finance and Accounting :

This department manages the IISPL's finances, including budgeting, planning, and
reporting.It manages accounts payable, receivable, payroll, and tax compliance. Finance
and accounting analyze and forecast a IISPL's financial health, providing valuable
information.

3. Sales and Marketing :

Sales and marketing drive income by promoting and selling the IISPL's products or
services. Marketing activities include market research, product creation, branding,
advertising, and consumer involvement. Sales include discovering prospects, managing
connections with clients, and closing sales.

4. Research and Development (R&D) :

R&D drives innovation and product enhancement. It include performing research,

testing new ideas, and creating new goods or services. R&D may aim to improve goods,
advance technology, or address IISPL difficulties.

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5. Customer Service and Support :

This section offers support to clients before, during, and after their transaction. It
addresses queries, resolves concerns, and guarantees customer satisfaction. Providing
excellent customer service and assistance is crucial for developing long-term
connections and increasing loyalty.

6. Quality Assurance (QA) :

Quality assurance (QA) ensures goods and services satisfy quality standards and client
needs. Testing products, processes, and services helps uncover faults and opportunities
for improvement.QA collaborates with R&D and operations to ensure consistent high-
quality standards across the business.

7. Information Technology (IT) :

IT controls the IISPL's technological infrastructure, including hardware, software,
networks, and cyber security. It also assists other departments with technical solutions,
debugging difficulties, and assuring data security and compliance. IT is responsible for
implementing and managing digital tools and platforms for internal and customer
interactions.
These functional areas work together to ensure the smooth operation and success of
Intellectual Info Solutions Pvt Ltd, each contributing its expertise and resources towards
achieving the company's goals and objectives.

2.10 Diversifications, Mergers and Acquisitions :

As of now, there is no publicly available information indicating that Intellectual Info Solutions
Pvt. Ltd. (IISPL) has been involved in any mergers or acquisitions.

2.11 Diversification :
• Product Development
• IT infrastructure services
• Consulting Services
• Digital Transformation
• Software Development

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2.12 Marketing Mix / Marketing Strategies :

PRODUCT :

This refers to the products or services given by the firm.

Intellectual Info Solution Pvt Ltd, an IT solution
provider, may offer software applications, IT consulting
services, system integration solutions, or other
technology-related offerings. Understanding the distinct
features, advantages, and value propositions of different
items is critical for successful marketing.

PRICE :

Pricing tactics play an important part in the marketing mix. When determining product
or service prices, IISPL must evaluate elements such as manufacturing costs, rival
pricing, perceived value, and target market. Intellectual Info Solution Pvt Ltd uses
several pricing techniques depending on the type of product, client segment, or project
scope.

Place :

This part refers to the channels by which IISPL's products or services are made available
to clients. Distribution channels for an IT solutions provider might consist of direct sales
teams, partner networks, internet marketplaces, or a combination of these. The IISPL's
distribution strategy would be determined by its target markets, geographical reach, and
client preferences.

Promotion :

Promotion refers to all of the actions and methods utilized to communicate the value
proposition of the IISPL's products or services to prospective clients. This may involve

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advertising (online, print, or broadcast), public relations, trade exhibitions, direct

marketing, content marketing, and social media initiatives. Intellectual Info Solution Pvt
Ltd's promotional platforms and messaging will be determined by its target audience and
marketing objectives.

Marketing Strategies :

1. Website Development : Create a professional website showcasing IISPL's services,

portfolio, and expertise.

2. Search Engine Optimization (SEO) : Optimize the website for search engines to
improve visibility and drive organic traffic.

3. Content Marketing : Create valuable, relevant, and consistent content to attract and
retain a clearly defined audience.

4. Networking Events : Attend industry conferences, trade shows, and networking

events to build relationships and generate leads.

5. Referral Marketing : Encourage satisfied clients to refer IISPL's services to their

network.

6. Print Marketing : Utilize print materials such as business cards, brochures, and flyers
to promote IISPL's services.

2.13 Distribution policy / channels :

Intellectual Info Solutions Pvt. Ltd. (IISPL) aims to deliver its development and
consulting services efficiently and effectively through a well-structured distribution
policy. The company primarily focuses on direct service delivery through its in-house
team of experts, offering both on-site and remote consulting services to meet diverse
client needs across different industries.

IISPL also leverages strategic partnerships with complementary businesses and industry
networks to expand its reach and provide services to clients in regions where it may not
have a direct presence. Additionally, the company works with third-party resellers and

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channel partners who represent and distribute its services to broader audiences. Pricing
is structured to be transparent and flexible, with options such as fixed-price contracts,
hourly rates, and retainer agreements, ensuring a tailored approach for various client
requirements.

IISPL emphasizes service quality by adhering to strict timelines, offering robust

customer support, and maintaining continuous communication with clients. The
company also prioritizes the customization of its services, ensuring solutions are aligned
with each client’s unique business challenges. The distribution policy is continuously
monitored and refined, allowing IISPL to adapt to changing market conditions and client
needs, with a focus on long-term relationships and client satisfaction.

2.14 Human Resource Policy :

IISPL, a worldwide IT services firm, has a comprehensive talent acquisition strategy that
includes college recruitment, lateral hiring, and employee referrals. The organization
focuses on employing qualified individuals who share its beliefs and culture. IISPL
prioritizes staff training and development through its corporate university, TOPS, which
provides a wide range of technical and behavioural training programs. To reward and
recognize top workers, the organization uses a systematic performance management
system that includes goal-setting, monthly reviews, and performance evaluation.

Compensation and benefits are competitive, including a basic salary, variable

compensation, bonuses, and employee stock options. Career advancement is given
through defined career pathways and work families, allowing individuals to explore
various positions and responsibilities based on their abilities and goals. Employee
engagement is a primary emphasis, with initiatives such as team-building exercises,
sporting events, and cultural programs designed to foster a sense of belonging and well-
being.

IISPL encourages diversity and inclusion in its workforce by fostering an inclusive work
environment and offering equal chances to all workers. The corporation also places a

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high value on corporate social responsibility (CSR), encouraging workers to participate

in a variety of programs such as volunteerism, community service, and environmental
protection.

2.15 Corporate Social Responsibilities of the company :

A business, like a person, earns revenue, employs people, and engages with the
community. A good corporation should not just consider earnings, but also the influence
of its actions on the environment and its stakeholders.

1. Environmental Sustainability :

IISPL recognizes its responsibility to minimize environment impact. Environmental

sustainability involves using natural resources in a way that preserves the environment
for future generations. It focuses on balancing human needs with the health of
ecosystems, ensuring resources are renewable, reducing pollution, and protecting
biodiversity. This includes promoting energy efficiency, sustainable agriculture, and
adopting circular economy practices to reduce waste. By shifting towards renewable
energy and minimizing harmful emissions, environmental sustainability aims to create a
harmonious relationship between humans and the planet, ensuring that future
generations can continue to thrive without compromising the earth’s ecosystems.

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2. Community Engagement :

Community engagement refers to the process of actively involving individuals and

groups in decisions and actions that affect their lives and environment. It encourages
collaboration, fosters communication, and empowers people to contribute to solving
local issues. Through engagement, communities can address social, economic, and
environmental challenges collectively, ensuring that diverse voices are heard and valued.
Whether through volunteering, participating in local events, or being part of decision-
making processes, community engagement helps build stronger, more resilient societies
where individuals work together toward shared goals for the common good.

3. Employe well being :

Employee well-being refers to the overall health and happiness of individuals in the
workplace, encompassing physical, mental, and emotional aspects. It involves creating
an environment that promotes work-life balance, offers support for stress management,
and fosters positive relationships among colleagues. Employers can support employee
well-being through initiatives such as flexible working hours, mental health resources,
wellness programs, and opportunities for personal and professional development.

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Prioritizing employee well-being not only enhances job satisfaction and productivity but
also reduces turnover and absenteeism, ultimately contributing to a more engaged and
motivated workforce.

4. Ethical Business Practice :

Ethical business practices refer to the standards and principles that guide companies in
conducting their operations with integrity, fairness, and responsibility. These practices involve
treating employees, customers, and stakeholders with respect, ensuring transparency in
business dealings, and adhering to laws and regulations. Companies that prioritize ethics avoid
exploiting workers, engaging in corruption, or misleading consumers. They also take
responsibility for the environmental impact of their operations, striving for sustainability.
Ethical businesses promote a positive corporate culture, where honesty and accountability are
valued. By adhering to ethical standards, organizations build trust with their stakeholders,
enhance their reputation, and contribute to a more just and responsible economy. In turn, this
fosters long-term success, employee satisfaction, and customer loyalty.

5. Diversity and Inclusion :

Diversity and inclusion refer to creating a workplace or environment where people from

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various backgrounds, cultures, genders, races, and identities feel valued and respected. It
involves not only embracing differences but also actively fostering an environment where
everyone has equal opportunities to thrive. Diversity brings a wide range of perspectives, ideas,
and experiences that can lead to more creative solutions and better decision-making. Inclusion
ensures that all individuals are supported, given a voice, and encouraged to contribute to the
organization’s goals. By promoting diversity and inclusion, companies build stronger, more
innovative teams, improve employee morale, and attract a broader customer base, leading to
greater success and social impact.

6. Education and skills developments :

Intellectual Info Solutions Pvt Ltd recognizes the importance of education and skillsd
development in empowering individuals and communities. Education and skills development
are crucial elements for personal growth, economic progress, and societal advancement.
Education provides individuals with the foundational knowledge needed to understand the
world and make informed decisions, while skills development focuses on honing specific
abilities that are necessary for success in the workplace and daily life. By continuously
upgrading both technical and soft skills, individuals can adapt to changing job markets,
improve their employability, and increase their potential for career advancement. In the broader
context, investment in education and skill development enhances innovation, drives economic
growth, and addresses social inequalities. Organizations and governments that prioritize
education and skills development empower people to reach their full potential, contributing to
a more equitable and prosperous society.

Overall, Intellectual Info Solutions Pvt Ltd's corporate social responsibility initiatives
are designed to create positive social and environmental impact while also contributing
to the company's long-term sustainability and success. By integrating CSR into its

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business practices, the company demonstrates its commitment to making a difference in

the world and being a responsible corporate citizen.

2.16 Awards, Achivements and Certificates :

As of now, there is no publicly available information regarding any awards or recognitions

received by Intellectual Info Solutions Pvt. Ltd.

Cetifications :
 ISO /IEC 27001: 2013

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 ISO 9001: 2015

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Chapter – 3

3.1 SWOT Analysis :

Strengths :

IISPL offers a diverse set of modules and features for various banking activities, including
retail banking, corporate banking, trade finance, and others.

The solution supports high transaction volumes and can grow with banks' operations.
IISPL enables banks to personalize the solution to their own needs and procedures. The
program integrates with other systems and applications, allowing for easy data interchange and
workflow management.

Weaknesses :

IISPL is a sophisticated system that requires significant implementation and

maintenance expenditures, especially for smaller institutions. The steep learning curve
requires considerable training for bank workers. Furthermore, it may face vendor lock-
in, making it harder for banks to move to other solutions later.
Opportunities :

As the need for digital banking services grows, IISPL can assist banks in improving their
digital offerings and providing clients with a smooth, omnichannel experience.

IISPL is used by banks all over the world, allowing them to grow their operations while

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retaining the same core banking platform. IISPL provides cloud-based versions of
Avishkar, allowing institutions to decrease infrastructure costs while benefiting from the
scalability and accessibility benefits of cloud computing.

Threats :

IISPL has competition from other core banking solution suppliers, including Temenos,
Finacle (Infosys), and FIS, among others.

The fast evolution of technologies like as blockchain, artificial intelligence, and open
banking APIs may challenge established core banking systems, forcing IISPL to
constantly innovate and adapt Avishkar.

As financial institutions become more reliant on digital systems, key banking solutions
like Avishkar face substantial challenges from cyber dangers such as data breaches and
cyber-attacks.

Overall, IISPL is a comprehensive and extensively used core banking system that
provides solid functionality and scalability. However, it confronts issues like as high
prices, vendor lock-in, and the need to constantly adapt to emerging technology and
cyber security concerns in a fast changing financial sector.

3.2 MC KISNEYS 7’S MODEL :

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Strategy :

IISPL’S Strategy is to provide a comprehensive and scable core banking solution that can cater
to the diverse needs of financial institution’s from retail to corporate banking.

The strategy also involves continuously enhancing the product's capabilities to keep up with
industry trends, regulatory changes, and emerging technologies.

Structure :
IISPL is a modular solution, with different components for various banking functions,
such as retail banking, corporate banking, trade finance, and more.

The structure allows for flexibility and customization, enabling banks to implement
only the modules they require.

Systems :
IISPL is a complex software system that encompasses various subsystems and modules
for different banking operations.

The system is designed to handle high transaction volumes and can be integrated with
other systems and applications, enabling seamless data exchange and workflow
management.

Staff :
IISPL requires skilled and well-trained staff to implement, maintain, and operate the
solution effectively.

Banks need to invest in comprehensive training programs for their employees to ensure
they are proficient in using the software.

Skills :
IISPL requires a wide range of skills, including technical expertise in banking operations,
software development, project management, and business analysis. Banks need to ensure
that their staff possesses the necessary skills or provide appropriate training to bridge any

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skill gaps.

Style :

IISPL is a proprietary solution, and Oracle's style is to provide comprehensive support,

maintenance, and upgrades to its clients.

The company also emphasizes customer collaboration and feedback to drive product
enhancements and align with customer needs.

Shared Values:

IISPL is built on the shared values of providing a reliable, secure, and scalable core
banking solution that enables financial institutions to streamline their operations and
deliver superior customer experiences.

Oracle also values innovation, continuously enhancing the product's capabilities to stay
ahead of industry trends and customer demands.

By analysing IISPL through the lens of the 7S model, banks can assess the alignment
and coherence of the various elements within their organization and identify areas that
may require adjustment or improvement to maximize the effectiveness of the core
banking solution implementation and on going operations.

3.3 Porter’s Five Force Model :

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1. Threats of new Entrants :

The high switching cost of new core banking system deter new competitors from
joining the market. The strong brand recognition of IISPL and AVISHKAR, together
with compliance with banking standards, creates a major barrier for prospective
entrants.

2. Potential of new entrants into industry :

Cloud-based core banking systems represent a risk, but AVISHKAR is also accessible
as a cloud solution since core banking systems are critical to banks and have no direct
replacements.

3. Bargaining Power of Buyers :

Cloud-based core banking systems represent a risk, but AVISHKAR is also accessible
as a cloud solution since core banking systems are critical to banks and have no direct
replacements.

4. Bargaining Power of Suppliers :

The core banking system market has a small supplier ecosystem, relying on specialist
vendors for integration and implementation services, while standardization reduces
reliance on a single source.

5. Competitive Rivalry among Existing Firms :

IISPL faces stiff competition from established companies like as IBM, TCS, and SAP,
with suppliers emphasizing on functionality, scalability, and integration capabilities, as
well as ongoing innovation in areas such as cloud, security, and analytics, to retain a
competitive advantage.

Overall I conclude that the competitive climate of IISPL is examined using Porter's Five

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Forces Model. New entrants pose a significant danger due to the high switching costs of
a new core banking system. The considerable brand awareness of IISPL and
AVISHKAR, together with compliance with banking requirements, poses a significant
barrier for potential competitors. The opportunity for new entrants is high, but
AVISHKAR is available as a cloud solution. Suppliers have little negotiating power,
thus integration and implementation services are outsourced to professional providers.
IISPL has severe competition from established businesses like as IBM, TCS, and SAP,
who prioritize functionality, scalability, integration capabilities, and innovation in cloud,
security, and analytics.

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Chapter – 4

4.1 Analysis of Financial Statements :

INTELLECTUAL INFO SOLUTIONS PRIVATE LIMITED

PROFIT & LOSS A/C AS ON 31-03-2022

Sl
Particulars Mar-22
no
Revenue from Operation 21688506
Other Income 508441
I. Total Revenue 22196947

Expenses:
Purchases of Stock in trade 1323869
Employee benefits expense 15335836
Other expenses 4541335
Finance cost 2385
Depreciation & Amortization expenses 672372
II. Total expenses 21875797
III. Profit/loss before exceptional & extraordinary item & tax(I-II) 321150
Prior period expenses
Exceptional items
Extraordinary Item
IV Profit before tax 321150
V Tax expenses 88965
VI. Profit/Loss from continuing operations (IV - V) 232185
VII. Profit/loss for the year 232185
VIII. Earnings per equity Share
a) Basic 0.02
b) Diluted 0.02

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INTELLECTUAL INFO SOLUTIONS PRIVATE LIMITED

PROFIT & LOSS A/C AS ON 31-03-2023

Sl
Particulars Mar-23
no
Revenue from Operation 25737574

Other Income 337795

I. Total Revenue 26075369

Expenses:
Purchases of Stock in trade 1495642

Employee benefits expense 16586116

Other expenses 6269139

Finance cost 2973

Depreciation & Amortization expenses 927370

II. Total expenses 25281240

III. Profit/loss before exceptional & extraordinary item & tax(I-II) 794129

Prior period expenses 17630

Exceptional items

Extraordinary Item

IV Profit before tax 776499

V Tax expenses 195430

VI. Profit/Loss from continuing operations (IV - V) 581069

VII. Profit/loss for the year 581069

VIII. Earnings per equity Share

a) Basic 0.06

b) Diluted 0.06

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INTELLECTUAL INFO SOLUTIONS PRIVATE LIMITED

PROFIT & LOSS A/C AS ON 31-03-2024

Sl
Particulars Mar-24
no
Revenue from Operation 31657000

Other Income 282000

I. Total Revenue 31939000

Expenses:

Purchases of Stock in trade 1394000

Employee benefits expense 18029000

Other expenses 10316000

Finance cost 3000

Depreciation & Amortization expenses 837000

II. Total expenses 30579000

III. Profit/loss before exceptional & extraordinary item & tax(I-II) 1360000

Prior period expenses

Exceptional items

Extraordinary Item

IV Profit before tax 1360000

V Tax expenses 342000

VI. Profit/Loss from continuing operations (IV - V) 1018000

VII. Profit/loss for the year 1018000

VIII. Earnings per equity Share

a) Basic 0.1

b) Diluted 0.1

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Consolidated Balance sheet of IISPL

INTELLECTUAL INFO SOLUTIONS PRIVATE LIMITED

BALANCE SHEET AS ON 31-03-2024
Sl
Particulars Mar-24 Mar-23 Mar-22
no
I. EQUITY & LIABILITIES
1 Shareholders' fund
a) Share Capital 100000 100000 100000
b) Reserve & Surplus 6837000 5818707 5237638
Share Application money pending
2 - - -
allotment
3 Non-Current liabilities
a) Long term borrowings - - -
b) Deferred Tax Liability - - -
c) Other long term liabilities - - -
d) Long term provision - - -
4 Current liabilities
a) Short term borrowings - - -
b) Trade payables 124000 825155 152929
c) Other Current liabilities 1829000 1665602 1027395
d) Short term provision 4411000 6393094 7354550
Total Equity & liability 13301000 14802558 13872512

II . ASSETS
1 Non Current Assets
a) Property, Plant & Equipment 2093000 2363217 2094989
b) Non Current investment - - -
c) Long term loans & advances 516000 456395 456395
d) Other non Current assets - - -
2 Current Assets
a) Inventories - - -
b) Trade Receivables 158000 1210617 439042
c) Cash & Bank Balance 6678000 7304893 7010156
d) Short term loans & advances - - -
e) Other Current Assets 3856000 3467436 3871930
Total Assets 13301000 14802558 13872512

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Analysis :

The financial statement of Intellectual Info Solutions Private Limited (IISPL) shows a
9.71% increase in revenue from operations, indicating expansion in core business
activities. Other income sources include interest earned on investments and rental
income. Employee benefit expenses rose by 22.85%, possibly due to hiring additional
staff or enhancing employee benefits. Other expenses increased by 32.49%, including
administrative costs, utilities, repairs and maintenance, advertising, and other operational
overheads.

Despite the increase in revenue, IISPL's profit before tax decreased by 15.73%,
indicating potential challenges in managing costs or pricing pressures in the industry.
The absence of exceptional items suggests that profitability is driven primarily by the
company's core operations. Total assets decreased slightly from Rs. 138,772,000 in Mar-
22 to Rs. 133,011,000 in Mar-24, but the company has no long-term borrowings or
provisions, indicating a debt-free position. Current liabilities increased from Rs.
774,455,000 in Mar- 22 to Rs. 813,811,000 in Mar-24, which could be due to higher
credit purchases, deferred payment terms, or accrued expenses.

IISPL has a strong liquidity position with cash and bank balances of Rs. 657,800,000
and short-term loans and advances of Rs. 338,600,000 as of Mar-24. Share Capital and
Reserves & Surplus remained unchanged at Rs. 100,000,000 and Rs. 687,200,000,
respectively, suggesting a stable equity base and no changes in ownership or capital
structure during the period. Overall, IISPL appears to be a financially stable company
with a growing revenue stream, but its profitability has declined due to higher expenses
outpacing revenue growth.

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Analysis Based Ratio :

Here is the analysis of the financial ratios based on the extracted data for the years ending
March 2024, 2023, and 2022:

Liquidity Ratios :

1. Current Ratio

The current ratio measures the company's ability to pay off its short-term liabilities with
its short-term assets.

Current Ratio= Current Assets

Current Liabilities

 Mar-24 : 1910100 =2.55

747900

 Mar-23 : 1685767 =1.04

1627214

 Mar-22 : 1888421 =1.80

1050444

Interpretation: The current ratio has improved significantly from 1.04 in Mar-23 to
2.55 in Mar-24, indicating a much stronger liquidity position.

2. Quick Ratio

The quick ratio (acid-test ratio) measures the ability to meet short-term obligations with
its most liquid assets (excluding inventories).

Quick Ratio = Current Assets−Inventories

Current Liabilities

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 Mar-24 : 1521000 = 2.03

747900

 Mar-23 : 1267767 = 0.78

1627214

 Mar-22 : 1452921 = 1.38

1050444

Interpretation: The quick ratio has also improved, indicating better ability to meet
short- term liabilities without relying on inventory sales.

Profitability Ratios

3. Net Profit Margin :

The net profit margin ratio, also referred to as net margin ratio, is a profitability metric
used to assess a company's ability to generate profit from its revenue

Net Profit Margin= Net Income ×100

Net Sales

 Mar-24: 119000 ×100 = 3.72%

3199000

 Mar-23: 508100 ×100 = 19.48%

2607759

 Mar-22: 90000 ×100 = 4.11%

2190944

Interpretation: The net profit margin has significantly decreased from 19.48% in Mar-
23 to 3.72% in Mar-24, indicating a sharp decline in profitability.

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4. Return on Assets (ROA)

Return on Assets (ROA) is a financial metric used to assess a company's profitability in
relation to its total assets.

ROA= Net Income ×100 Total Assets

 Mar-24: 119000 ×100 = 0.89%

13301000

 Mar-23: 508100 ×100 = 36.22%

1402588

 Mar-22: 90000 ×100 = 6.48%

1387922

Interpretation: The return on assets has decreased from 36.22% in Mar-23 to 0.89% in
Mar-24, indicating a decline in the efficiency of asset utilization.

5. Return on Equity (ROE) :

Return on Equity (ROE) is a financial metric that tells you how profitable a company is
relative to the money shareholders have invested in it. In other words, it shows how well
a company is using its shareholders' money to generate earnings.

ROE= Net
Income
×100
Total
Equity

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 Mar-24: 119000 ×100 =5.72%

783700+1000000

 Mar-23: 508100 ×100 =30.38%

588170+1000000

 Mar-22: 90000 ×100 =6.15%

537648+1000000

Interpretation: The return on equity has significantly decreased from 30.38% in Mar-
23 to 5.72% in Mar-24, indicating a drop in the profitability for shareholders.

Leverage Ratios :

6. Debt to Equity Ratio

The debt-to-equity (D/E) ratio is a financial metric used to assess a company's financial
leverage. It essentially tells you how much a company is financed by debt compared to
its own shareholders' equity.

Debt to Equity Ratio= Total Liabilities

Total Equity

 Mar-24: 747900 =0.42

1783700

 Mar-23: 1627214 =1.02

1588170

 Mar-22: 1050444 =0.68

1537648

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Interpretation: The debt to equity ratio has decreased from 1.02 in Mar-23 to 0.42 in
Mar-24, indicating a reduction in financial leverage.

The company's liquidity situation has greatly improved, but profitability has declined
due to reduced margins and returns, and the debt-to-equity ratio has fallen, suggesting
lesser financial leverage.

4.2 Share listing status of the company :

According to official records, IISPL is unlisted on any stock exchange. It is classified as
a company limited by shares and is not listed at any stock exchange .

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Chapter – 5

5.1 Problems identified :

 Lack of Clear Guidance or Mentorship.

 Unclear Expectations and Job Roles.
 Limited Hands-on Experience.
 Communication Barriers.

5.2 Findings from the Internship at the Company :

During the internship at Intellectual Info Solution Pvt Limited Company, several key
findings were identified that highlight the strengths and areas for improvement within
the organization. These findings are based on observations, data analysis, and
interactions with employees.

 The Company has good relationship with their Clients and Customer.
 IISPL are well organized and managed by different Departments.
 SWOT is using to Analyze the IISPL’s strength, weakness, opportunity, treat.
And it will help to understand the employees internal and external traits.
 IISPL give the training to employees to improve the skills and it will help to
develop and understanding new concepts in the developing a new product.
 The IISPL is contribute to corporate social responsibility (CSR) activities for
their public and environmental.
 The IISPL should update the information in the website to reach the public and
to give the information about the IISPL to the people.

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5.3 Suggestions and future leads / Future Growth :

 To improve the marketing, IISPL can use the digital platform like Instagram
and particular website to access the products. It is another way to contact the
company.
 IISPL is focused that the employees retention is require in the organization
as may employee leaving the job.
 It can be suggest that the Company need to update the Company details in their
website,it may help the Public & Clients.
 Encourage innovation and seek new prospects for corporate growth.

 Create a feedback tool to address issues about the rebranding process.

 Encourage innovation can seek new prospects for corporate growth.

 Invest in improving technological infrastructure can increase efficiency.

 Provide comprehensive training programs to fill skill shortages and improve

staff morale.
 Provide clear career growth opportunities to retain excellent employees.

5.4 Conclusion :

Intellectual Info Solutions Pvt. Ltd. (IISPL), established in 2003, has built a strong reputation
over the years as a reliable provider of development and consulting services. My experience
with the company has given me a deeper appreciation for how long-standing organizations
maintain their standards while adapting to changing technology and client needs. IISPL’s
consistent dedication to delivering quality solutions has not only contributed to its sustained
growth but also made it a great environment for learning and professional development.

The company’s focus on innovation, teamwork, and customer satisfaction is evident in the way
projects are handled and solutions are delivered. Working or interning here allows one to gain
practical exposure to real-world business challenges, understand client interactions, and
experience the full development lifecycle. It also reflects the importance of having a clear

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vision and maintaining a professional approach, which are key reasons behind IISPL’s success
since its inception.

5.5 Learning Outcomes :

It was a great experience to do the internship at IISPL. I gained valuable industry

experience and a thorough understanding of how the organization operates. The
internship helped us grasp how to apply the topics we learned throughout our studies.

In the first chapter, I learned about the company's industrial profile, which is the
software sector. I learned that the industry meets the needs of the software sector and
other software products.

The second chapter provided me with a thorough understanding of the company's

organizational structure. It helped me comprehend the nature of the business, the
company's organizational structure, and the company's product portfolio. I also gained
insight into the company's future possibilities and growth.

In the third chapter, I learned about the application of numerous concepts such as Porter's
five forces model and McKensey's 7S model. Porter's Five Forces framework is a way
for examining a company's operational environment in comparison to its competitors.
The McKensey 7S model is a method for analysing a company's organizational
architecture. The fourth chapter helped me learn about SWOT analysis and grasp the
company's situation.

During my internship, I learned how to write business letters, how to deal with business
people, and a little about the job assignment process. It's difficult to manage so many
chores in a short amount of time. I had some challenges at first, but with some time and
effort, I can now compare which strategy is best for which sort of problem.

Every instrument has advantages and cons. We have to choose based on our preferences.
My whole learning experience with the company was informative. The attention and
help from management and staff was really appreciated. I'd like to acknowledge K V
Kumaraswamy, who helped me with this project. The attitude at the company was
positive. This course taught me about management from a practical aspect, as well as

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organizations and how they operate in terms of management and policy. Overall, it
improved my performance at work.

Bibliography:

 https://www.iispl.in/
 https://www.screener.in/
 https://www.bloomberg.com/asia
 https://www.reuters.com/
 https://finance.yahoo.com/
 https://www.morningstar.com/
 https://opencorporates.com/

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