BhoomiCBS : Software for Credit Society, Patsanstha & Patpedhi
A complete, RBI-ready core-banking platform trusted by 300+ cooperative credit societies across India — managing deposits, loans, shares, NPA and statutory compliance from one secure, audit-ready system.
Your society, in every member’s pocket
The BhoomiCBS Customer App gives your members secure, 24×7 access to their accounts — no branch queue, no waiting. Balances, passbooks, loan status and instant alerts, right on their phone.
- Check savings, deposit & loan balances anytime
- Digital passbook & full transaction history
- Instant credit / debit & due-date alerts
- Apply for loans & track approval status
- Secure login with PIN & biometric
Bhoomi is one of India's leading software solution providers for Credit Societies, Patpedhis, and Patsansthas. BhoomiCBS improves staff productivity and efficiency, helping you manage your society in a streamlined, audit-ready way.
BhoomiCBS is a comprehensive suite of tightly integrated modules covering every aspect of Credit Society operations — built on the latest Microsoft technologies for performance, security, and reliability.
Over 300 installations across India — including Mumbai, Thane, Navi Mumbai, Goa, Nasik, Mysore, Chennai, Parbhani, Aligarh, and more.
Why Societies Choose Bhoomi BhoomiCBS
Backed by more than two decades of computerising the cooperative sector, BhoomiCBS is far more than a ledger — it is a complete core-banking platform tuned to the way Patsansthas, Patpedhis and credit societies actually work, day in and day out.
20+ Years in the Cooperative Sector
A platform matured through hundreds of live society implementations — the bye-laws, returns and day-to-day practices of urban and rural credit institutions are built in, not bolted on.
Seamless Data Migration
Switching from an old or legacy package? We migrate your members, deposits, loans and balances from virtually any existing software, so you go live without re-keying a single account.
Cashless & Electronic Payments
Credit FD interest and loan disbursements straight to a member's bank account through ECS, EFT and NEFT — reducing cash handling and giving your members a modern, cashless experience.
Audit-Ready & Compliant
Automatic NPA classification, statutory formats, I-Form / J-Form, a full audit log of user changes and day-open / day-close controls keep your society inspection-ready throughout the year.
Marathi & Multi-Lingual
Print passbooks, receipts, notices and reports in Marathi alongside English — so your staff and members work in the language they are most comfortable with.
Support That Shows Up
A responsive support team reachable on-site, by phone, over WhatsApp and through secure remote access — with a nationwide network ensuring help is never far away.
One Platform for Every Kind of Society
BhoomiCBS adapts to your institution — available on-premise or cloud-hosted, single branch or multi-branch.
Everything your society needs to run — in one place
From the front counter to the balance sheet, BhoomiCBS handles every transaction your members make and every report your auditor asks for.
Every deposit product, fully automated
Open and service Savings, Current, Recurring, Daily and Fixed Deposits with automatic interest calculation, posting and passbook printing.
- Auto interest calculation & posting across every scheme
- Daily-collection agent commission & machine interface
- Standing instructions & automatic sweep transfers
- Premature closure, TDS and penalty handling
Lend confidently, recover on time
Handle every loan type — against deposits, gold, vehicles or government securities — with EMI / non-EMI schedules, penalty interest and salary recovery built in.
- EMI & flat-rate loans with full interest-rate history
- Surety, security pledging & suit-filed tracking
- Salary- and deposit-linked automatic recovery
- Overdue notices and demand & recovery registers
Audit-ready, every single day
Automatic NPA classification, statutory formats and a complete audit trail keep your society prepared for inspection all year round.
- User-defined NPA slabs with automatic status updates
- Format No. I & II and asset-classification statements
- Balance sheet, P&L, trial balance & day book
- Full audit log of every change, by user
A modern, cashless member experience
Credit interest and disbursements straight to members' bank accounts and cut down cash handling at the counter.
- ECS, EFT & NEFT electronic payments
- Signature & photo verification at the time of payment
- Marathi passbooks, receipts & notices
- Post-dated cheque & standing-instruction handling
Built for compliance and peace of mind
Bank-grade controls protect your members' data and keep your society on the right side of every regulation.
Role-based access
Password management with user-level rights and three-tier voucher authorisation.
Full audit trail
Every change is logged with the user who made it — ready for any audit.
Day open / close controls
Enforced day-opening and day-closing with cashier and scrolling authorisation.
Maker-checker workflow
Three levels of voucher-flow control keep entries verified before they post.
Data safety & backup
Regular backups with on-premise or secure cloud hosting protect your data.
Built on Microsoft tech
Developed on the latest Microsoft platform for performance, security and reliability.
Every module, documented
Open any section to see exactly what BhoomiCBS covers — nothing hidden, nothing extra to buy.
Deposits & Accounts
SAVING DEPOSITS
- A/c Opening
- Nominee
- Guardian
- Introducer
- Joint Holders
- Multiple Address etc
- Transactions through Cash, Cheque, Transfer
- Product accumulation
- Interest calculation
- Interest Posting
- Closing of Account
CURRENT DEPOSITS
- Account opening
- Modification of account details
- Nominee, Guardian, Introducer, Joint Holders
- Multiple Address etc
- Accepting transactions through cash, transfer
- Product accumulation
- Interest calculation
- Interest Posting
- Closing of Account
DAILY DEPOSITS
- Account opening
- Modification of account details
- Nominee
- Guardian
- Introducer
- Joint Holders
- Multiple Address etc
- Accepting transactions through cash, transfer
- Product accumulation
- Interest calculation
- Interest Posting
- Interface to Daily Collection Machines
- Premature Withdrawals
- Agent Commission Calculation and Posting
- Option to calculate TDS
- Allowances and deductions
- Option to deduct security deposit from agent commission
- Loan Installment deducted from agent commission
- Closing of Account
RECURRING DEPOSITS
- Nominee
- Guardian
- Introducer
- Joint Holders
- Multiple Address etc
- RD Passbook Printing
- Premature withdrawals
- Late Installment Penalty Calculation
- Option to pledge Accounts against loans
- Interest Posting
- Closing of Account
FIXED DEPOSITS
- Account opening
- Modification of account details
- Nominee, Guardian, Introducer, Joint Holders
- Multiple Address etc
- Rate of interest is automatically picked up from interest table
- Handling different types of deposits like cash certificates etc
- Receipt Printing
- Premature withdrawals
- Accepting transactions through cash, transfer
- Monthly / Qtrly / Half yearly interest calculation
- Simple / Compounded / Discounted Methods
- Option to pledge receipts against loans
- Auto posting of Interest to saving bank account
- Electronic Payment through ECS/EFT/NEFT
- Interest Posting
- Closing of Account
SHARES AND MEMBERSHIP
- Account opening
- Modification of account details
- Nominee, Guardian, Introducer, Joint Holders
- Multiple Address etc
- Dividend Calculation with monthly/Yearly/Daily Products
- Automatic export of dividends to saving, Loan accounts
- Export of Dividend to branch
- Dividend Payable/paid Register
- I-Form, J-Form
- Certificate generation
- New Shares, Additional, withdrawal and transfer of shares
Loans, Recovery & NPA Management
LOANS & ADVANCES
- Account opening
- Modification of account details
- Joint Holders, Surety
- Multiple Address etc
- Loan Against Fixed Deposits, Daily Deposits and Recurring Deposits
- Loan Against Vehicle with vehicle details and insurance
- Loan Against gold with information related gold kept
- Loan Against govt securities like NSC/LIC/IVP
- Option of EMI and NON EMI Loans
- Accepting transactions through cash, transfer
- Auto Calculation and Posting of interest at the time of receipt
- Option to pledge receipts against loans
- Interest Calculation and Posting
- Option to create loan charges heads
- Penalty Interest calculation and posting
- Loan Interest rate history
- Automatic transfer of installments from Saving Deposit
- Auto posting of Deposit interest to loan accounts
- Loan Recommended by Directors
- Ear marking of suit filed accounts. Option to enter suit section code
- Closing of Account
NON PERFORMING ASSETS
- User definable NPA Slabs
- Automatic Updation of NPA Status
- NPA Register
- Classification of NPA
- Format No-I
- Format No-II
- Loan Recovery from Salary
- User defined Recovery Heads
- Fully Parameterized
- Recovery for more than one RD Account
- Surety Recovery
- Option to add Pending Recovery
- Export of Recovery through in Text/DBF/ACCESS format
- Import of Recovery through Text/DBF/ACCESS format
- Generation of Difference Recovery
Accounting, Cash & Operations
BOOKS OF ACCOUNTS
- Voucher through cash/bank and transfer
- Multiple bank accounts
- User defined general ledger heads
- Fully Parameter control
- Option to single entry/double entry accounting system
- Day Book
- Sub day books
- Cash Book
- Monthly Cash Summary
- Receipt and Payment Register
- Trial Balance, Simple and Group wise
- User defined balance sheet & Profit & Loss Heads
- Balance Sheet
- Profit & Loss Accounts
- General Ledger Detailed and Monthly Summary
CASHIER
- Option to have multiple cashier
- Capture cash denominations
- Cashier wise cash balance
- Option to transfer cash from one cashier to another
- Cash in safe/ cash in hand
- Cash Exchange
- Cash Reconciliation
PASS BOOK PRINTING
- Interface to Passbook printer of any company
- Pass book can be fully customizable
- Multiple formats for pass books for different heads
- Passbooks can be printed for loans, SB, RD etc
SIGNATURE/PHOTO VERIFICATION
- Scan and store signature of all accounts
- Supports up to 10 signatures/photos per account
- Scan Loan Documents in case of loan accounts
- Signature can be viewed from any option just be pressing a hot key
- Signature displayed at the time of payment
DAILY DEPOSIT MACHINE
- Interface to Daily Collection of Machines
- option to use different machines of different vendors
- Fully Customization and parameter driven
STANDING INSTRUCTION
- Accepting standing instructions on all accounts
- Automatically transfer amount from saving a/c to RD
- Automatically Transfer amount from daily to loan
- Option to transfer all amount from daily to loan
- Option to lock amount from daily
- Deduct agents commission while transferring from loan to daily
- FDR Interest can also be transferred to loan
MISC
- Details of Customer with address can be exported to branches
- RBI Bank Master export
- Members label printing
- Graphical analysis of reports
- Exhaustive reports
ELECTRONIC PAYMENT
- Send Payments directly to customers bank accounts
- Option to send using Electronic Clearing System (ECS)
- Electronic Fund Transfer Option (EFT)
- National Electronic Fund Transfer Option (NEFT)
- FD Interest can be credited to customers bank account
- Loan Payment can be credited to customers bank account
Post Dated Cheques
- Accepting Post dated cheques
- Cheques to be deposited
- Cheques in hand
SECURITY
- Password Management system
- Audit Log showing Changes done by User
- Day Closing And Day Opening controls
- Three levels of voucher flow control
- Scrolling / Passing and cashier authorization
- Attendance checking
200+ ready-to-print reports
Every register, statement and statutory return your society and its auditors need — grouped and ready at a click.
Browse all reports & registers
Reports Loans & Advance
- Loan Balance
- Loan Interest List
- Credit Balance in Loan A/c
- Loan Register – A/c Wise
- Loan Register – Area Wise
- Loan Sanction Register –Detailed
- Loan Sanction Register –Summary
- Loan Receipts Register
- Loan Recovery Statement
- Loan Recovery Statement – Year Wise
- Loan Recovery Summary
- Overdue Register
- Overdue Register-Area Wise
- Overdue Register-Suit filed accounts
- Overdue Summary
- Overdue Register-Referred By
- Due Date Dairy
- Age Wise Overdue Register
- Area Wise Overdue Register
- Year Wise Overdue Register
- Year Wise/GL Wise Summary
- Securities Pledged Against Loan
- Directors Loan Statement
- Demand and Recovery
- Loan Closed Register
- Loan Opened Register
- Disbursement Register
- Disbursement Summary
- Surety Register
- Vehicle Insurance Register
- Insurance Due Date Dairy
- Vehicle In Godown
- Permit Expired/Insurance Expired
- Tax Expired/Fitness Expired
- Loan Charges Register
- Lien Marked Removed Register
- List of Defaulters With Address
- Classification of Overdue
- Loan Against Deposits
- Interest Rate Wise Classification
- Yearly Summary
- Purpose Wise Loan Analysis
- Security Wise Loan Analysis
- Priority Wise Loan Analysis
- Weaker Sector Wise Loan Analysis
- Classification of Loans-Sanction Amount Wise
- Classification of Loans-Balance Wise
- Classification of Loans-Overdue Amount Wise
- Classification of Loans-Sanction Year Wise
- Group Insurance
NPA
- NPA Register-1
- NPA Register-2
- Classification of NPA – Statement No 3
- Format No-1
- Format No-2
- Asset Classification statement
- NPA Summary
- NPA Summary (Secured/Unsecured)
- NPA Balance List
- NPA Analysis Report
- NPA GL Wise Summary
TERM DEPOSITS
- Active Fixed Deposit Register
- Maturing FD Register
- Matured FD Register
- NEW FDR During the Period
- Paid FDR During the Period
- Customer Wise –Active Deposits
- Customer Wise –Paid Deposits
- Interest Payable Register
- Interest Paid Register
- Receipts Pledged Against Loan
- Before Maturity Register
- Interest Posted during the Period
- Interest Accrued During the Period
- Receipt Balance Reconciliation
- Certificate Printing
MISC
- Standing Instruction -Done
- Standing Instruction –Un done
- Standing Instruction –Voucher List
- Post Dated Cheques – Due for Deposit
- Post-Dated Cheque Register
- Cheque Book Register
- Cheque Stop Payment Register
- Cheque Stop Payment Revoked Register.
CUSTOMER
- Customer Balance Printing
- Customer Balance History
- Balance Certificate
- General Ledger
- A/c Balance List
- Ledger Printing- Simple
- Ledger Printing-Loan Format
- Fixed Deposit List
- Customer-Consolidated Statement
- A/c Master List
- A/c List
- Address List
- Nominee Register
- A/c Opened Register
- A/c Closed Register
- A/c Opened/Closed Summary
- Address Label Printing
- Customer List
- Customer not Having address
- Customer not having Bank Account
- Customer Not Opting for a Scheme
- Retiring Customer List
BOOKS OF ACCOUNTS
- Gl Master List
- Trial Balance –Simple
- Trial Balance –Group Wise
- Balance Certificate
- General Ledger –Day Wise
- General Ledger –Monthly Summary
- General Ledger -Yearly Summary
- A/c Balance List
- A/c Wise Debit-Credit List
- Expenses Statement
- Receipt & Payment
- Inflow-Outflow Statement
- Balance Sheet
- Profit & Loss As On
- Profit & Loss During the Period
- Bank Reconciliation
SHARE & MEMBERSHIP
- I Form
- J Form
- Dividend Statement – List
- Dividend Statement – Unpaid
- Dividend Statement – Paid during
- Dividend Statement – Paid As On
- Share Members Register
- Share Certificate Register
- Election List
- Dividend Payment Register
- Dividend Warrant Printing
- Share Certificate Printing
SAVING/CURRENT DEPOSIT
- Balance List
- Product Statement – Detailed
- Product Statement – Summary
- Debit Balance List
RECURRING DEPOSIT
- Balance List
- Interest Payable – Register
- Interest Paid Register
- Irregular RD Accounts
DAILY DEPOSIT
- Balance List
- A/c Collection Register
- Collection Reconciliation Register
- Day Wise Collection Register
- Monthly collection Register
- Agent Sheet
- Posting Pending Register
- A/c History
- Maturity Register
- Balance Verification Report
- Daily Agent Commission List
LETTERS
- Salary Deduction
- Salary Deduction-Surety
- Notice of Overdue
- Notice of Installment Reminder-I
- Notice of Installment Reminder-II
- Advocate Notice
- Notice 101
- Insurance due date letter
Frequently asked questions
Is BhoomiCBS suited to our Patsanstha / Patpedhi specifically?
Yes. BhoomiCBS is purpose-built for the cooperative sector and is already live at 300+ urban and rural credit societies, Nagari Sahakari Patsansthas, Patpedhis and employees' / salary-earners' societies. The bye-laws, returns and day-to-day practices are built in, and the software is fully parameter-driven so it adapts to your society's rules.
Can you migrate our data from our existing or old software?
Absolutely. Our team migrates your members, deposits, loans, shares and balances from virtually any existing or legacy package, so you go live without re-keying a single account.
Does it generate the statutory reports and audit formats we need?
It does — over 200 ready reports including trial balance, balance sheet, profit & loss, NPA Format I & II, asset classification, I-Form / J-Form, demand & recovery and a full audit log, keeping you inspection-ready throughout the year.
Is it available on the cloud, or only on our office computers?
Both. BhoomiCBS can be deployed on-premise on your own computers or hosted securely in the cloud, for a single branch or across multiple branches.
Does it support Marathi?
Yes. Passbooks, receipts, notices and reports can be printed in Marathi alongside English, so your staff and members work in the language they are most comfortable with.
Can members receive payments directly in their bank accounts?
Yes. Fixed-deposit interest and loan disbursements can be credited straight to a member's bank account through ECS, EFT and NEFT, reducing cash handling at the counter.
What kind of support and training do you provide?
Our support team is reachable on-site, by phone, over WhatsApp and through secure remote access, backed by a nationwide network so help is never far away. Staff training is provided as part of every implementation.