salient features

A truly real-time online system; The system applies the financial as well as the non-financial transactions instantaneously

The system has been designed in modular fashion with each module performing specific set of functions through its own set of programs but at the same time duly integrated and interacting with other modules

e-nhance is a parameter driven system. Parameterization allows tailoring of the system to suit the user’s needs without system/program modifications

e-nhance provides value-dating facility enabling to affect an account either at a future date or at a past date

e-nhance can calculate interest on the basis of Base Rate, which is an option that can be defined at the system level for debit and credit interests

Two types of interest rates are allowed in the e-nhance application, both are at the Account Type Level and at the Individual Account Level

  • Oridnary / Normal Interest Rate:

    Rates will be applicable on the entire balance except in the case of credit interest users, these users are allowed to enter a Base Amount, below which interest will not be accrued

  • Tiered:

    There are two types of tiered interest rates, each of them have ten slabs provided

    • Tiered Split Balance:
    • Mainly applicable in the case of debit interest

    • Tiered Whole Balance:
    • Mainly applicable in the case of credit interest

Interest accrual is carried out daily; the accrual figures are reflected in the profit & loss account on a daily basis

In case of movement accounts, the interest posting frequency is extremely flexible allowing the customer to post the interest on a monthly, quarterly, semi-annual or annual basis. The customer can choose any day of the month or a quarter, a half year or a year for interest posting purposes

The customer can nominate another account in to which interest will be posted for both debit & credit interest

Foreign currency revaluation is carried out everyday in order to present accurate profitability on a daily basis

A completely transparent & parameter driven withholding tax deduction process facilitates in the deduction of the withholding tax amount from the customer's account and making the tax payment to the Government authorities

A minimum threshold amount can be specified from which withholding tax may be deducted

In applications where interest is earned in advance, such as LBD, the apportioning is carried out on a daily basis and reflected in the profit & loss account and statement

  • Debit & Credit vouchers
  • Term Deposit receipt
  • Term Loan Advice
  • Term Deposit Confirmation Advice
  • Term Loan Confirmation Advice
  • Transaction Advice
  • Interest Rate Change Advice
  • Foreign Exchange Buying / Selling Customer Receipt
  • Banker’s Cheque / Pay Order
  • Demand Draft
  • Mail Transfer, etc
  • Debit & Credit vouchers
  • Term Deposit Receipt
  • Term Loan Advice
  • Inter Branch credit Advice [IBCA]
  • Inter Branch Debit Advice [IBDA]
  • Banker's Cheque
  • Demand Draft
  • Deal Tickets
  • Money Market Deal Confirmation Advice
  • Foreign Exchange Deal Confirmation Advice
  • Foreign Exchange Buying / Selling Customer Receipt
  • Detailed Process of Different Charges at an Account Level
  • Profitability based on Account / Customer
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