Interest Rates
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Achievements
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COMPUTERISATION
Details of Computerisation
Decided to enter into Agreement with NABARD/TCS for Computerisation under CBS in the Board Meeting dated 02.01.2012 & accordingly Agreement signed between NABARD, TCS and DCCB on 07th February, 2012 in the 1st phase of the CBS Project - 29 branches and CTO.
Training of Core Team Members:
- First CBS Training - From 19th March to 7th April 2012 at RICM, Bangalore.
- Hands-on-training along with discussions on GAD - From 23rd April to 5th May 2012 at RICM.
- Training on HO Modules - From 14th June to 20th June 2012 at RICM.
- Trainers Training Programme - From 6th August 2012 to 18th August, 2012 at RICM.
- Training on I S Audit - From 03rd March to 4th March 2014 at RICM.
Branches have become live as below:
- APMC - 23rd Nov, 2012
- Krishna Nagar - 27th Dec, 2012
- Mahila - 08th Feb, 2013
- K.C. Nagar - 14th Feb, 2013
- Horti - 25th May, 2013
- Managuli - 29th May, 2013
- Zalaki - 01st June, 2013
- D.Hipparagi - 05th June,2013
- Kolhar - 19th June, 2013
- G.M.Br - 28th June,2013
- Golageri - 05th July,2013
- Nidagundi - 12th July,2013
- H.Hipparagi - 20th July,2013
- Telagi - 27th July, 2013
- Kalakeri - 02nd Aug, 2013
- Tamba - 07th Aug, 2013
- Tikota - 13th Aug,2013
- Indi - 21st Aug, 2013
- H.O.Branch - 02nd Sept, 2013
- Sindagi - 07th Sept,2013
- Moratagi - 12th Sept,2013
- Chadchan - 19th Sept,2013
- Babaleshwar - 25th Sept,2013
- B.Bagewadi - 01st Oct, 2013
- Almel - 08th Oct, 2013
- Talikoti - 15th Oct,2013
- Nalatwad - 22nd Oct,2013
- Muddebihal - 28th Oct,2013
- S.R.Branch - 13th Nov, 2013
- H O Retail - 18th Dec,2013
- Vivek Nagar - 24th Jan, 2015
- APMC Sindagi - 21st Mar, 2015
- Minajagi - 25th June,2015
- Salotagi - 29th June, 2015
- Mahila BGD - 18th Aug,2016
- APMC indi - 6th July, 2017
- Ashram Road - 28th nov, 2018
- Korwar - 25th Feb, 2019
- Dhulaked - 21st Nov, 2019
- Dhavalagi - 1st Jan, 2020
- Kanamadi - 28th Jan, 2020
- Athani Road - 15th Feb, 2020
- Mulawad - 25th Feb, 2020
- Gap Analysis Document signed in the month of August 2012.
- Computer Lab was setup with the CDF assistance of NABARD and inaugurated on 9th January,2013 by CGM, NABARD.
- TCS selected our Computer Lab for second phase training to 17 Core Team Members of 04 DCCB's. ( Davanagere, Chitradurga, Dharwad & Gulbarga) from 22-01-2013 to 09-02-2013.
- HO module training conducted by TCS to 11 DCCB's (Bijapur, North Canara, Kodagu, Bangalore Chikmaglore, Kolar, Bidar, Gulbarga, Dharwad, Davangere & Chitradurga) from 18-02-2013 to 23-02-2013 & 22 employees are trained.
- L1 Helpdesk has been Set up.
- Membership of Credit Information Company (CIC) - Our Bank has registered membership of EQUIFAX Credit Information Services Pvt Ltd., Mumbai on March, 2014.
- User Training to our staff is imparted in Sixteen Batches & 220 employees are trained.And 2nd round training started 09 batches & 154 employees are trained.
- Photo & Signature uploaded in all branches.
- For resolving live branches issues meeting conducted as follows: 23.04.2013, 23.06.2013, 02.10.2013, 09.11.2013, 08.03.2014, 06.04.2014 & for Inter branch transaction and NEFT/RTGS training conducted on 07.06.2014.
- Protection Cages have been installed in all branches except Almel, H O Branch, G M Branch & Kolhar Branch.
- Dual Connectivity installation Completed.
- Regarding RTGS/NEFT and Aadhar Payment Bridge System and registration on NACH it is decided to become member through Apex Bank and the Apex Bank has allotted IFSC Code(KSCB0014001). NEFT /RTGS outgoing and incoming started in all Branches.
- The Bank has obtained two IINs for RuPay/APBS - IIN allotted For Debit Card / DBT IIN No. 607774. For KCC IIN - 607921
- On boarding Services ATM Installation & Issuance of RuPay Debit Cards/Kisan Cards process is going on.
- Corporate Email-all branches & staff has been created & submitted to TCS on 01.03.2014 . Corporate e-mail id's are given and it has been tested (Configured ) in 3 branches -H.O.Branch, APMC Branch & Mahila Branch.
- I T Security Policy - IT Security Policy finalized by the Technical Advisor and submitted for legal opinion.
- MIS Reports Mapping Completed.
- H.O.Module - HRMS live front end and Investment & Fixed Asset module live on 13.06.2014 and Share Module live on 16.08.2014.
IMPLEMENTATION OF CBS PROJECT:
| SL NO | Particulars | Status |
|---|---|---|
| 1 | Agreement with NABARD/TCS for Computerization under CBS. | Decided to enter into Agreement with NABARD/TCS for Computerization under CBS In the Board Meeting dated 02.01.2012 & accordingly Agreement signed between NABARD, TCS and DCCB on 07th February, 2012 in the 1st phase of the CBS Project – 29 branches and CTO. |
| 2 | Branches live status | First Branch got live on 23.11.2012 (APMC, Bijapur) & last branch on 18.12.2013(H.O.Retail, Bijapur) |
| 3 | Computer Lab Set up. | Computer Lab was setup with the CDF assistance of NABARD and inaugurated on 9th January,2013 by CGM, NABARD. |
| 4 | The Bank is RTGS/NEFT compliant with IFSC code and is working on the platform for fund transfer | IFSC : KSCB0014001 Fund Transfer started on 04.06.2014 |
| 5 | The Bank has obtained two IINs from NPCI, Mumbai | 1. IIN for DBT :607774 2. IIN for KCC :607921 |
| 6 | The Bank has completed necessary documentation with NPCI to be part of Direct Benefit Transfer and NACH | It is finalized in the Board Meeting held on 14.03.2015 DBT Host to Host with C-edge Technologies Ltd. And DBT facility started on 26.07.2015. |
| 7 | The Bank has become a member of CIC | Bank get the membership of all CICs i) EQUIFAX Credit Information Services Pvt. Ltd., Mumbai, ii)Experian Credit Information Company of India Pvt Ltd., iii)CRIF Credit Information Services Pvt. Ltd.,Mumbai & CIBIL Credit Information Bureau (India) Ltd Mumbai . |
| 8 | Completed mapping of Reports | Mapping of Reports completed: 1. P& L, Balance Sheet – 08.02.2014 2. MIS Reports – 23.07.2014. |
| 9 | Submitted all the H.O.Module data to TCS | HO Module live status: 1. HRMS – Front end live 2. Investment – Live on 13.06.2014 3. Fixed Assets - 13.06.2014 4. Share Accounting – Live on 16.08.2014 |
| 10 | IT Security Policy has been duly approved by the Board | IT Security Policy approved in the Board Meeting held on 22.12.2014 . And revised IT Security Policy & IS Audit Policy implemented is approved by the Board meeting held on 13.04.2016. |
| 11 | On boarding Services ATM Installation & Issuance of RuPay Debit Cards/Kisan Cards | It is finalized in the Board Meeting held on 14.03.2015 to go with KSC APEX Bank Ltd., Bengaluru Further purchase order placed for EMV Chip based Card (25000 Debit Cards & 5000 KCC Cards) to C-edge Technologies Ltd.,Thane on 13.01.2016. And Documentation with NPCI regarding RuPay Card management Services is in the process. |
| 12 | Migration Audit: 1.Name of CISA auditor & Address. |
Shri.Chandrashekharaiah.T.G.CA No.392,10th Main,M.S.Ramiah Layout Nagasandra, Yeshwantpur, Bengaluru -560 073. Migration Audit completed March, 2015 & Reports submitted by CA on 19th August, 2015.hnologies Ltd.,Thane on 13.01.2016. And Documentation with NPCI regarding RuPay Card management Services is in the process. |
| 2.Completion of Migration Audit : | ||
| 13 | SMS Alert | SMS Facility started on 10.07.2015. |
| 14 | Corporate E-mail | Corporate E-mail facility started on 01.10.2015 |
| 15 | PACS Data Migration | Out sourced for Data entry & photo /signature scanning, at present 120000 data entry completed out of 192973 as on 01.03.2016 and A/Cs opened 20000. |
NEFT & RTGS INFORMATION AS ON 16-12-2014
| SL NO | Branch Name | NEFT Date of start |
RTGS Date of start |
|---|---|---|---|
| 1 | H.O.Branch | 20.06.2014 | 03.09.2014 |
| 2 | S.R.Branch | 04.09.2014 | |
| 3 | G.M.Branch | 02.08.2014 | 22.08.2014 |
| 4 | Mahila Branch | 28.07.2014 | 13.10.2014 |
| 5 | K.C.Nagar Branch | 04.06.2014 | 25.07.2014 |
| 6 | APMC Branch | 12.06.2014 | 05.09.2014 |
| 7 | Babaleshwar | 25.08.2014 | 21.10.2014 |
| 8 | Tikota | 26.09.2014 | 16.09.2014 |
| 9 | Krishna Nagar | 22.07.2014 | 31.10.2014 |
| 10 | B.Bagewadi | 07.08.2014 | 29.10.2014 |
| 11 | Telagi | 04.08.2014 | 05.09.2014 |
| 12 | Nidagundi | 02.09.2014 | 07.10.2014 |
| 13 | Managuli | 24.06.2014 | |
| 14 | H.Hipparagi | 03.09.2014 | 18.09.2014 |
| 15 | Kolhar | 24.06.2014 | 28.10.2014 |
| SL NO | Branch Name | NEFT Date of start |
RTGS Date of start |
|---|---|---|---|
| 16 | Muddebihal | 24.06.2014 | |
| 17 | Talikoti | 28.07.2014 | |
| 18 | Nalatwad | 02.09.2014 | |
| 19 | Indi | 24.06.2014 | 27.08.2014 |
| 20 | Chadchan | 15.09.2014 | 26.09.2014 |
| 21 | Zalaki | 24.06.2014 | |
| 22 | Tamba | 18.09.2014 | 25.09.2014 |
| 23 | Horti | 24.06.2014 | |
| 24 | Sindagi | 24.06.2014 | |
| 25 | Almel | 12.12.2014 | 18.09.2014 |
| 26 | D.Hipparagi | 04.09.2014 | |
| 27 | Kalakeri | 31.10.2014 | |
| 28 | Moratagi | 05.11.2014 | |
| 29 | Golageri | 18.09.2014 | |
| 30 | CTO | 12.06.2014 | 19.07.2014 |
Loans
- Agriculture Loan
- Agriculture allied activities(MT)
- Non agriculture loans
- Other Loans
- Sugar Factories