Our Domain Coverage

Full LC lifecycle — issuance, amendment, document presentation, discrepancy handling, payment, closure. UCP 600 aligned. SWIFT MT700/707/734/750/754 covered. Sight & Usance, Transferable, Back-to-Back, Red Clause variants included.

RMB-denominated LC reimbursement flows. CIPS settlement, PBoC regulations, cross-border RMB payment instructions, and reimbursement authority scenarios under UCP 600 Article 13.

Complete BG lifecycle — issuance, invocation, extension, expiry, cancellation. Performance, advance payment, financial, and bid bond guarantees. Counter-guarantee flows. URDG 758 aligned. SWIFT MT760/767.

SBLC issuance, drawing, extension, and expiry. Financial and performance standby variants. ISP98 and UCP 600 applicability covered. Distinguishes SBLC from conventional LC and BG flows.

Documents against Acceptance and Documents against Payment flows. Cash against documents, sight and usance bills, protest scenarios, document return, and non-payment handling. URC 522 aligned.

Without-recourse medium-term trade financing. Promissory notes and bills of exchange. Tenor calculation, discount rate application, and forfeiture scenarios. IFA standards aligned.

Seller-led invoice discounting and receivables finance. Domestic and export factoring. Recourse and non-recourse variants. Debtor notification flows and credit insurance. FCI framework aligned.

Murabaha, Musharakah, Ijara, Wakala, and Sukuk structures. Islamic LC (Letter of Credit with Murabaha), Islamic Bank Guarantee, and trade financing without interest (Riba). AAOIFI standards and Islamic Finance principles applied.

Pre-shipment and post-shipment export credit. Packing credit, export bills negotiation, and overdue bill scenarios. Export credit guarantee flows. Links to LC and collections.

Commodity-backed financing, borrowing base structures, warehouse receipt financing, and collateral management. Pre-export and prepayment finance flows.

Buyer-led payables finance and reverse factoring. Anchor programme setup, supplier onboarding, invoice approval, dynamic discounting, and disbursement flows. GSCFF aligned.

Import LC-backed financing, usance LC discounting, buyers credit from overseas banks, suppliers credit, and FEMA-compliant import payment flows. OECD Arrangement and RBI import finance norms covered.

Commercial loan facility setup, sanction, drawdown, repayment, and closure. Financial covenant monitoring, collateral management, and annual review. Applicable to term loans, demand loans, and revolving facilities.

Syndication facility setup, agent bank role, drawdown requests, interest calculations, and lender position management. Tombstone documentation and repayment waterfall scenarios.

Cash credit and overdraft facility setup, drawing power calculation, stock and debtors statements, limit review, and renewal. RBI-aligned working capital norms and MPBF scenarios.

Term loan facility setup, phased disbursement, EMI and bullet repayment schedules, restructuring, and foreclosure. Covenant monitoring and penal interest scenarios. RBI guidelines aligned.

Special purpose vehicle structuring, project appraisal, drawdown conditions, construction period monitoring, and financial close scenarios. Revenue-based repayment and waterfall structures.

Individual and corporate KYC, eKYC, Central KYC Registry, re-KYC, and video KYC flows. Document upload, verification, deduplication, and rejection scenarios. RBI Master Directions aligned.

FATF-aligned KYC framework. Customer due diligence, enhanced due diligence, beneficial ownership, Politically Exposed Person screening, and periodic review flows across individual and corporate customers.

Transaction alert generation, case investigation, Suspicious Transaction Report filing, and escalation flows. FATF recommendations and Financial Intelligence Unit — India norms both covered.

Account opening (individual and corporate), dormancy reactivation, closure, mandate management, and nomination flows. Globally applicable account operations — includes India-specific account opening norms (RBI/KYC) alongside internationally applicable flows.

Card issuance, activation, limit management, transaction authorisation, dispute handling, and card closure flows. Debit, credit, and prepaid card variants. Chargeback and fraud dispute scenarios.

India domestic payment rails — NEFT, RTGS, IMPS, UPI, BBPS, and internal fund transfers. Outward remittances (LRS, FEMA, Form A2, TCS) and inward remittances (FIRC, EEFC, NRE/NRO). Failure, return, and reversal scenarios.

SWIFT message types MT103/202/202COV/940/942, GPI tracking, ISO 20022 migration, SEPA, CHIPS, Fedwire, TARGET2, CHAPS and CLS settlement. Correspondent banking flows, Nostro/Vostro reconciliation, and cross-border payment investigations.

Loan origination system and loan management system flows. Application, credit appraisal, sanction, disbursement, EMI computation, prepayment, foreclosure, and NPA lifecycle. Home loan, personal loan, and vehicle loan scenarios.

Spot FX, forward contracts, FX options, currency swaps, interest rate derivatives, and Nostro/Vostro reconciliation. FEDAI, FEMA, ISDA, and CCIL-cleared derivatives. DV01, MTM valuation, and FIMMDA pricing.

IRRBB, LCR, NSFR, maturity profiling, fund transfer pricing, investment portfolio management, and ALCO reporting. RBI ALM Guidelines, Basel III LCR/NSFR/IRRBB, SLR/CRR compliance, and FIMMDA valuation.

Core banking module testing and migration scenarios — customer master, account operations, general ledger, and inter-module integration. Platform-agnostic; applicable across Finacle, FLEXCUBE, Temenos, and custom builds.

Lead and opportunity management, customer 360 view, service request lifecycle, relationship manager workflows, complaint handling, and resolution escalation scenarios.

Internet and mobile banking onboarding, login and two-factor authentication, fund transfer flows, statement access, session management, and transaction error handling scenarios.