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Nelito provides the full spectrum of Enterprise reporting solution for Banking and Financial services (BFS) segment. FinCraftTM Enterprise Reporting provides the insights that decision makers need in order to make timely, better-informed decisions while taking care of regulations.

FinCraftTM Enterprise Reporting solution helps banks and financial organization in creating reports as per the prescriptions of the governing regulatory body.

FinCraft Enterprise Reporting provides end-to-end or stand-alone solution for:


FinCraftTM ADF is a time-tested and proven solution. It is implemented and under live operational use successfully in multiple banks in India. It is an Automated Regulatory Reporting System for Banks designed in view of Reserve Bank of India (RBI) mandate for implementation of ADF (Automated Data Flow) reports.

By adopting such an automated process for submission of returns, the bank is able to submit accurate and timely data to the regulator without any manual intervention. The automation of data flow also benefits the banks in terms of improved timelines, enhanced data quality, improved efficiency of processes, reduced costs and the use of the CDR (Common Data Repository) for internal MIS purposes.

FinCraftTM MIS ADF is designed based on the End-End Conceptualization of RBI, which comprises of the following Process elements:


Greater Business Value

  • Increased productivity.
  • Accurate reporting.
  • Quicker decision making.
  • Increased business user enablement, reduced burden on IT.

Lower TCO (Total Cost of ownership)

  • Investment in just one product license's across sites.
  • Shorter implementation cycle.
  • Reduces risk and manual errors.

Enterprise Delivery framework

  • Extensibility and Scalability
  • Extended business content.
  • Incorporate additional source systems
  • Platform agnostic

Data Acquisition (ETL Process)

ETL extracts data, transforms values of inconsistent data, filters data and loads cleansed data (received from source system) into a target database. It is also capable of scheduling of ETL jobs and interlinking other ETL jobs.

Data Integration & Storage

In this module data is cleansed through our data cleansing process and then is stored in CDR (Central Data Repositories) which will form the single source of Information for all regulatory returns.

Data Conversion / Generation

This Module converts the data stored in the CDR to the prescribed formats using pre-defined business rules. The data conversion will be in the form of individual Database tables created. The Data Conversion Module will also perform validations on the data to ensure accuracy of the returns.

Data Submission

The Data Submission Module in the FinCraft ADF Framework is a single transmission channel that will ensure secure file upload in an STP (Straight through processing) mode with the reporting platforms. This layer uses automated system driven triggers or schedulers, which will automatically generates and submits the returns as stipulated by regulatory body.

Fig: FinCraft ADF Solution Architecture

Customer Value

  • 1Generating statutory / Regulatory / Standard / Executive Dashboards/ MIS reports/ Ad-hoc reports.
  • 2Maximum possible automation of processes for MIS generation.
  • 3Analysis facility with minimum of data related issues.
  • 4Ease of incorporating data for various analytical studies and periodic reports.
  • 5Quicker access to bank analyst and inspection officials.
  • 6Provision of automated signaling of "RED Flags" in submitted data for further analysis.
  • 7Access to the Centralized Data Repository for various departments.
  • 8Drill-down / roll up facility.
  • 9Single transmission channel that will ensure file upload in a STP mode with the reporting platforms like Online Return Filing System (ORFS).
  • 10Automatically generate system driven triggers or schedulers, generation and submission of returns to stakeholders.
  • 11When the returns generation process is triggered, the system will check for the specific forms in the Centralized Data Repository and prepare the return only after all the required data is available for the specific form.
  • 12Acknowledge error messages received from regulatory authorities for correction and further processing.
  • Extensive and comprehensive regulatory reporting data mart
  • In-built workflows
  • Pre-built returns :
    • Ready to deploy returns
    • Web based access and automated generation of data
    • Dashboard to slice and dice the data.
  • Automated Returns submissions
  • Data derivation and Metadata Management.
  • Framework Driven for CBS (Core Banking Solution), Business Applications, Business Processes and Business Information.
  • Modular & Scalable so as to make integration easier, available, secure, manageable on a lower TCO (Total Cost of Ownership).
  • Information Centric for complete and consistent, actionable, real-time intelligence.
  • Easily Manageable thereby reducing downtime.

XBRL Reporting

Conversion of regulatory reports into XBRL Format is performed through our XBRL engine which acts as a bridge between Bank's internal data systems and the regulatory returns system.

This internal data could be either in text files, excel reports or directly from the database. This Application helps Banks to generate XBRL instance in a ready to submit state. Some of the key benefits are:

  • can generate XBRL instance directly from tool.
  • ensures ultimate reliability and accuracy of the data.
  • helps banks in meeting the strict deadlines for filing data.
  • can be enhanced to incorporate any future changes in the XBRL taxonomies.

Marquee Clients

  • Bank of Maharashtra
  • Paytm
  • Equitas Vechile Finance
  • Utkarsh Microfinance Ltd
  • MCS Mutual Aid Association
  • UCO Bank
  • Punjab and Sindh Bank
  • Dena Bank
  • Nainital Bank
  • Canara Bank
  • United Bank of India

Also Read

Solution Availability

Our solutions are available globally. Please visit our country pages for more information


  • We have successfully made Nelito's Fincraft Software for NBFC live in early March for LOS,LMS and Sanjiv Khalkho, Arijit Chakraborty with his team have been very instrumental in making this software live . I would like to appreciate on the turnaround time during the go live phase of the team in getting some of our key requirements done and helping our users to use the software for recording and disbursing all the sales from the software.

    In technology side I would like to praise Pramod Navale and Ganesh Khetmalis for in depth knowledge of the product and their technical skills is outstanding. Looking forward for the continued relationship for our next release and whole of 2018.

    Prateek P Katyal | CTO

    WheelsEMI Pvt. Ltd
  • "Nelito has Good knowledge of industry. Good customer orientation. They were Flexible and Open to new ideas and suggestions."

    Mr. Ratheesh K. Bharathan | Exec. Vice President & Co- Founder

    WheelsEMI PVT. LTD.
  • "For a Bank of our size, this system suffices and is very cost effective. Almost all of the bank’s activities run on the one system. Nelito constitutes a partner more than a supplier and the relationship includes provision of the bank’s underlying technology as well as its Fincraft range of applications."


    The Nainital Bank Ltd.
  • "The best mix of functionality and technological support and our vision of “Cash Less and Paper Less” work environment for Sonata has come true with our technological partner Nelito. I highly recommend FinCraft Core Microfinance platform and especially integrations with a number of third party services."

    IT Head

    Sonata Finance Pvt. Ltd.
  • "Nelito has successfully deployed the Online Reporting and Management Information System (ORMIS), which has streamlined the reporting process and their analysis. Its team is responsive, provided satisfactory support and has sound expertise to deliver time sensitive & critical projects. Exemplary team work."

    Deputy General Manager (IT Department)

    National Housing Bank
  • CBS

    "We are happy to use FinCraft Data Archival & Retrieval solution from Nelito Systems; it has given huge ROI in terms of saving revenue by retiring legacy applications. We get all desired reports in a timely manner from the solution."

    Assistant General Manager (CBS)

    United Bank of India
  • CBS

    "Nelito is known for its exemplary services to the users at all times. Your team provides excellent service and they are pro-active in providing solutions."

    Chief Manager (SWIFT)

    Indian Overseas Bank
  • CBS

    "On the whole a professional and capable and competent team. Providing solutions adapted to clientele updated on technology front."

    Principal secretary Department of Labour

    Govt. of Sikkim
  • Custom Application Development testimonial

    "Proactive & professionally supportive, technically skilled team."

    General Manager

    Federal Bank
  • CBS

    "Fincraft CBS software & Doorstep Banking Solution helps our society’s functionality towards digitalization & paperless working. It reduces our manpower requirement and workload, also gives us fast reporting for our institution as and when required."


    Mahavir credit coop society
  • CBS

    Exemplary relationship set by Nelito’s PCS team which helps project to grow vertically. We have always been very impressed with the quality of service we have received from Nelito. They are reliable efficient professional and above all truthful. This alone sets them out from much of their competition.

    Project Director

  • CBS

    "E-district Manipur project was undertaken and successfully implemented by Nelito in a record time. The online services offered under this project has made a marked difference in the quality of life of the citizens and is taking the state towards a digital Manipur."

    Additional Director (IT)

    Govt. of Manipur
  • DGM

    "On 20th of November 2016 our bank data was migrated to FinCraft and we have completed one year successfully in FinCraft. So we thank all the team members of both IFTAS and Nelito for your great co-operation in this success. We expect more & more co-operation in implementing new technologies in banking sector from your side in future."

    M V Kumar | CEO

    Kempegowda Bank
  • DGM

    "My bank is working with Nelito from the last about 9 Years and the services provided by the company may prolong our association."

    Sikander Gupta | CEO

    The Jammu Central Co-op Bank Ltd.
  • DGM

    "The Bank is associated with M/S Nelito since 2002. M/S Nelito Systems Ltd has been our CBS vendor since 2009. The Products, quality of service offered by them are excellent. They have a very good support team and are trained enough for handling any type of situation."

    D K Kandpal | Vice President (IT)

    Nainital Bank
  • DGM

    "We appreciate your local team who continuously supported & assisted our team to meet the goal."

    Nagendra Nath Sinha | Principal Secretary IT

    Government of Jharkhand, Ranchi
  • DGM

    "Knowledge and service provided to the bank is beyond expectation. And we would definitely engage and recommend solution to others."

    Rachelle F. Rivas | IT Project Manager (Senior Manager)

    Bank of the Philippine Islands (BPI)
  • DGM

    "As Vendor strict adherence to process & procedures. Risk Mitigates in Place. Flexible to customer requirements."

    Dinesh Negi | VP (Clg)

    DCB Bank Ltd
  • DGM

    "Bank has implemented CBS of Nelito Ltd in the year 2008-09 in phase manner. Also integrated RTGS/NEFT, CTS, MMS etc. which help us in smooth automation of banking operation."

    K.T. Wadia | CEO

    The Sutex Co-op Bank Ltd
  • DGM

    "Experience during development of Rating Engine Module has been good in the context of commitment to meet timelines & lot of hard work has been put by Nelito's team."

    Ashutosh Satsangi | VP-Operations

  • DGM

    "Everything was successfully implemented and tested. The implementation was professionally done in a very efficient and cooperative manner. Migration was very smooth."

    Frithjof Ramb | Vice President

    SBI- Frankfurt, Germany
  • DGM

    "Nelito and its team has always been supportive and efficient in achieving the tasks set up by the Dept. Apps developed by the software engineers for the Public Health Dept. have proved to be excellent among the top competitors and have been acclaimed for its effective service delivery to the end user at the grass root level which is the foremost object of any Govt. organization. Many thanks for the sincere efforts."

    Sanjay Kamlakar | Under Secretary to GoM

    Government of Maharashtra
  • DGM

    "We appreciate Nelito team who were always on time and responsive to our needs and changing ideas. They worked efficiently from the project inception to its completion in a timely and professional manner. Their understanding of this space has been invaluable to the success and launch of 'PMAY CLSS' app."

    Susanta K. Padhi | DGM

    National Housing Bank