Enquiry Form

Nelito’s ACH solutions are designed in lines with the vision of NPCI in making the existing ECS and other NPCI applications more robust, safe and error free.


Banks are needed to submit the details of mandate, ECS, APBS transactions to NPCI in a manual process. Usually it consists of uploading the file in to a server link as given by NPCI and then waiting for the response file to be generated from NPCI's server. This needs to be done for every single transaction.

H2H solution is designed to bypass this tedious process. The complete process has been automated making it more reliable and efficient and ensure seamless automation between Banks and NACH System.

Nelito's H2H Solution


  • Capability to process formats for ACH DR, ACH CR, NACH CR (ECS), NACH DR (ECS), APB, EBT,MMS, Aadhaar Mapper file formats, etc.
  • Auto split/merge files based on set limit.
  • Auto signing & verifying of files.
  • Seamless file transfer (pull/push) from NACH server using SFTP protocol.
  • Handling Acknowledgements received from NACH system.
  • Handling capability for NACH functionalities including Bank extension, Partially Rejected file, rejected files and cancelled files.
  • An admin menu to create/modify parameters for record count limit where ever applicable, polling time interval, folder path, NACH user ID password, SFTP IP, Port, etc.
  • To read and use digital certificates from tokenor HSM card.
  • On-screen reports for banks to monitor the files status and file split/merge details.
  • Solution is developed in Java and supports SQL Server and Oracle database systems.
  • Alerts are sent to users by email, if negativeor positive acknowledgement file is received.

Solution Features and Functionalities of NACH H2H (Host2Host) client end solution

H2H Solution Functional Architecture

Handling of input and return files

Files to be uploaded by bank are placed in the designated hot folder path of Host to Host application; polling services of the application identify the new file from the ones that are already processed. The files are passed to the file processor to identify the file type. Based on the file type the file is passed.

If the file size is greater than the configured limit the file is split automatically. The H2H solution then automatically signs the file and transfersit to NACH Server. After success of transfer ACK / NACK file is pulled from NACH server.

An email is sent to the configured email address if a negative acknowledgement (NACK) is received.

Handling inward and response file

Polling services check for new files on NACH server, once new file is identified it is pulled to H2H application. The file is unsigned/verified and based on the configured record count merged and pushed to the bank designated folder.

NACH functionalities and file formats

NACH file formats can be setup via the H2H application and are used as templates for identifying a particular type of file. Since it is configurable addition or modification of structure of files is quicker and does not require redeployment of application. Host toHost application supports NACH functionalities of bank extension, partial rejection or cancelled files.

Marquee Clients

  • The Nainital Bank Ltd
  • The Akola District Central Co-op. Bank Ltd. Akola
  • SJSB – Multi-State Schedule Bank
  • Navnirman Co-operative Bank Ltd.
  • The Baroda City Co-operative Bank Ltd.


  • The Meticulousness of efforts to ensure customer delight by each of the team member during the course of the project is appreciable. - Data Archival Project

    R. Ganesh (Senior Manager)

    Indian Overseas Bank
  • Overall we are happy with the services provided by Nelito. The implementation team is sensitive to our support requirements and does a good job.

    Vinayak Khadye (Chief Digital Officer)

    Finanzmart Services Pvt Ltd
  • We are extremely thankful to the whole team who have devotedly committed and created this excellent database. Much of our time was wasted in data retrieval from i link where we were facing lots of issues.

    You have given us an awesome product which is superior to our Finacle itself in its display capabilities. The great idea of taking pdf/word/excel option is simply superb. Merging the party code and Finacle CIF and account numbers are another feather in the cap.

    N Sampath Kumar (Branch Manager)

    Corporation Bank
  • 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
  • "We are extremely pleased with the kind of support extended by you and your team for our year end work. Although whole bunch of people worked for making the support seamless from your end, my special thanks to following resources. Anurag, Arpit, Arvind, Pranit, Suraj, Udgran, Nilesh, Leena and Udgrand. Also, thanks to all others who have supported us directly or indirectly at your end."

    Ananda Padebettu (IT Manager)

    The Nav Jeevan Co-op Bank 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.
  • 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
  • Custom Application Development testimonial

    "Proactive & professionally supportive, technically skilled team."

    General Manager

    Federal 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

    "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

    "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

    Support services provided for Swift is really up to the mark and meets all clients requirement. Kindly keep this ongoing.

    Rudolph Banis | Head - IT CBS and Application Management

    IndusInd Bank
  • DGM


    Navin A Bijur | Manager - IBD

    The Shamrao Vittal Coop Bank Ltd