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HashFinX
HashFinX
Core Banking Platform
Core Banking & Cooperative Management

The Complete
Financial OS
for Cooperatives

HashFinX is an enterprise-grade core banking platform built specifically for Credit Cooperative Societies — covering membership, savings, deposits, loans, and compliance in one unified system.

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8+
Banking Modules
100%
RBI Compliant
PDF
Report Engine
hsahfinx // live dashboard
Live
Total Assets Under Management
₹2,84,60,000
↑ 12.4% this quarter
84%
FD
Savings
Loans
👥
Members
1,248
+24 ↑
💳
Loans
₹82.4L
Active
🏦
FD/RD
₹1.4Cr
+8 ↑
Savings Accounts72%
Loan Recovery55%
KYC Completion88%
EMI Collections63%
New FD opened · M-1042 2m ago
EMI collected · Loan #L-309 8m ago
KYC approved · M-1043 15m ago
🔐
KYC Verified
✅
EMI Auto-Post
✦ Membership Management ✦ Savings Accounts ✦ Fixed Deposits ✦ Recurring Deposits ✦ Loan Origination ✦ EMI Amortization ✦ Interest Automation ✦ PDF Reports ✦ Audit Trails ✦ Multi-Branch ✦ Agent Collections ✦ Piggy Bank Module ✦ Membership Management ✦ Savings Accounts ✦ Fixed Deposits ✦ Recurring Deposits ✦ Loan Origination ✦ EMI Amortization ✦ Interest Automation ✦ PDF Reports ✦ Audit Trails ✦ Multi-Branch ✦ Agent Collections ✦ Piggy Bank Module
Platform Modules

Everything a Cooperative
Society Needs

Nine purpose-built modules that cover every operational workflow from member onboarding to closure.

👥
Core
Membership Management
Complete lifecycle management of society members, from KYC application to active membership.
  • Digital KYC with Aadhaar & PAN validation
  • Multi-stage approval workflow & audit log
  • Share certificate issuance & transfer
  • Nominee management & relationship tracking
  • Address history preservation
  • Auto-generated member numbers per branch
💰
Core
Savings Accounts
Full-featured savings account operations with automated interest posting and passbook generation.
  • Account opening tied to member profile
  • Deposits, withdrawals & balance enquiry
  • Automated simple & compound interest
  • Senior citizen enhanced rates (60+)
  • Daily / monthly / quarterly posting
  • Full transaction ledger with narrations
🏦
Deposits
Fixed Deposits
Term deposit management with flexible tenures, maturity alerts, and auto-renewal workflows.
  • Configurable FD products & rates
  • Maturity date tracking & alerts
  • Auto-renewal & premature closure
  • FD lien marking against loans
  • Interest TDS computation
  • PDF FD receipt generation
📅
Deposits
Recurring Deposits
Monthly RD scheme management with installment tracking and defaulter alerts.
  • Configurable RD products
  • Monthly installment scheduling
  • Overdue installment detection
  • Maturity & pre-closure handling
  • Agent-wise collection tracking
  • RD passbook & receipts
📋
Lending
Loan Management
End-to-end loan origination, disbursement, EMI tracking, and closure — for 8 loan types.
  • Personal, Housing, Gold, Agriculture & more
  • Reducing-balance EMI amortization engine
  • Penal interest accrual on overdue EMIs
  • Guarantor & security management
  • Pre-closure & foreclosure with charges
  • Immutable repayment ledger
🐷
Micro
Piggy Bank Scheme
Daily micro-savings scheme ideal for small depositors and daily wage earners.
  • Daily collection by field agents
  • Denomination-level cash recording
  • Mobile-friendly collection interface
  • Auto-aggregation to savings account
  • Agent performance reports
📊
Finance
Accounting & MIS
Real-time ledgers, trial balance, and management information system reporting.
  • Double-entry accounting engine
  • Branch-wise P&L and balance sheet
  • Interest settings configuration panel
  • Suspense account management
  • Nightly batch reconciliation
  • Excel & PDF export
📄
Docs
Reports & Documents
Professional PDF generation for all member-facing and regulatory documents.
  • Member passbooks & certificates
  • Loan sanction letters & schedules
  • FD / RD receipts with letterhead
  • KYC document verification reports
  • Import/Export via CSV & Excel
  • WeasyPrint PDF engine
🤝
Field
Agent & Collections
Field agent management for doorstep collection of EMIs, RD instalments, and piggy bank deposits.
  • Agent profile & assignment management
  • Daily collection sheets
  • Real-time collection status
  • Commission & performance tracking
  • Route & area management
Smart Interest Engine

Automated Interest — Set It, Forget It

A centrally-configured, rules-based interest system that handles every scenario — from senior citizen rates to compound calculations — without manual intervention.

⚙️

Global Interest Settings

Configure rates, type (simple/compound), and posting frequency from a single admin panel.

👴

Senior Citizen Auto-Rate

System automatically applies enhanced interest rates for members aged 60 and above.

📅

Flexible Posting Schedules

Daily, monthly, quarterly, or annual posting. Run via cron, management command, or manually.

📜

Full Audit Trail

Every interest transaction is logged with timestamp, rate snapshot, and calculated amount.

⚡ Live Interest Configuration
Savings — Normal 4.00% p.a.
Savings — Senior Citizen 4.75% p.a. Auto
Fixed Deposit (12M) 7.50% p.a.
Recurring Deposit 6.75% p.a.
Personal Loan 14.00% p.a.
Penal (Overdue EMI) +3.00% p.a.
🔒 All rate changes are version-controlled and auditable
Loan Products

8 Loan Types, One Platform

From micro gold loans to large housing loans — HashFinX handles every loan type with product-level rate configuration, guarantors, and security management.

👤
Personal Loan
Quick unsecured loans for personal needs with flexible EMI tenures up to 60 months.
🏠
Housing Loan
Long-tenure home loans with immovable property as security and competitive rates.
🌾
Agriculture Loan
Crop and farming loans with seasonal repayment flexibility for farmer members.
🚗
Vehicle Loan
Two-wheeler and four-wheeler financing with vehicle as collateral security.
🎓
Education Loan
Student loans for higher education with moratorium period during study.
💼
Business Loan
Working capital and term loans for small business and MSME members.
🚨
Emergency Loan
Fast-track approval emergency loans for urgent member needs.
🥇
Gold Loan
Gold jewellery as collateral with quick disbursement and FD lien support.
Security & Compliance

Built for Regulatory Confidence

HashFinX is designed ground-up with cooperative society regulations, data security, and operational integrity as non-negotiables.

🔐
KYC & AML Ready
Aadhaar, PAN, Voter ID, Driving Licence — all document types stored with verification status and expiry tracking.
📋
Immutable Ledgers
Transactions are write-once with reversal entries only — ensuring tamper-proof financial records.
🛡️
Brute-Force Protection
Account lockout after repeated failed login attempts with IP-based access control and monitoring.
🕵️
Full Audit Trails
Every status change is timestamped and logged with the acting user and IP address.
🔒
Content Security Policy
CSP headers prevent XSS and injection attacks — enforced at middleware level on every server response.
🏢
Multi-Branch Architecture
All records are branch-scoped. Members, loans, and transactions are isolated per branch.
📦
UUID Primary Keys
All records use UUID PKs — preventing enumeration attacks and ensuring globally unique identifiers.
🗄️
PostgreSQL Ready
Production-grade ACID-compliant transactions for all financial operations and data integrity.
Get Started

Ready to Modernise Your
Cooperative Society?

HashFinX is available for licensing and white-label deployment. Purpose-built for credit cooperative societies in Karnataka and across India.

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✦ Source code delivery available  ·  White-label licensing  ·  Deployment support included