Functional domain support, ready-to-use test cases and use cases, FSD/BRD review, and presales support — for teams implementing drawing power computation, MPBF, and IRAC/SMA/NPA classification.
We are not an advisory firm. We work alongside your delivery team — providing ready-to-use artifacts and project-based functional consulting so your team doesn't have to build commercial banking domain knowledge from scratch.
Test cases, use cases, and process flows across drawing power, MPBF, stock statements, and IRAC/SMA/NPA classification — built for direct use in your UAT and project documentation.
FSD/BRD domain review, UAT scenario design, gap analysis, and on-call functional support — scoped to your project, billed by retainer, project, or daily rate.
Help responding to commercial banking system RFPs with accurate functional content — domain narrative, solution mapping, and scenario coverage for your proposal team.
Functional coverage across cash credit and overdraft lending, platform-agnostic across core banking systems and custom builds.
Monthly DP computation from the stock statement, margin application, automatic DP reduction on late submission, and enforcement of DP as the binding limit even when within the sanctioned limit.
Get in Touch →Maximum Permissible Bank Finance computation per RBI Tandon Committee Method II — working capital gap, current assets and liabilities, and borrower contribution requirements.
Get in Touch →Automatic daily overdue monitoring, SMA-0/SMA-1/SMA-2 cascade classification, CRILC reporting, and NPA classification at day 91 per RBI IRAC norms — with provisioning and income de-recognition.
Get in Touch →Renewal due-date tracking, reminder generation, continuity of facility during the review period, and correct limit update post-renewal across high-volume credit facility books.
Get in Touch →Patterns we see repeatedly across commercial banking CBS implementations.
Most implementations confirm DP can be entered, not whether the system correctly computes it from the stock statement, reduces it automatically on late submission, and — critically — blocks drawings that exceed DP even when they're within the sanctioned limit.
A single test case confirming "91 days overdue equals NPA" is common. The automatic SMA-0/SMA-1/SMA-2 cascade that precedes it, the daily monitoring it depends on, and the CRILC reporting it triggers are usually untested.
Renewal involves tracking due dates across thousands of facilities, generating reminders, and keeping a facility active during the review window without lapsing — a workflow test that needs credit operations experience to design correctly.
Domain packs available immediately — test cases, use cases, and process flows. No engagement required to get started.
Fixed scope and fee — FSD review, UAT scenario design, gap analysis for a specific working capital finance module or implementation phase.
On-call functional domain support — fixed hours per month, ongoing support throughout your project.
Start with a free 30-minute discovery call, or get the WCF-IN pack directly.
We respond within 24 hours · team.bankly@gmail.com · team@banklyconsulting.com