rfp - implementation of central kyc registry solution ... · be uploaded into cersai portal within...

Sl.No. Page No. Clause Name Clause No. RFP Text Query Bank's Response

1 12 Introduction 2 8 National Banking Groups(NBGs) Kindly clarify the following point with

locations and if vendor have to implement

it.Solution should be

implemented in ZCOD

where, the account

opening process is carried

out centrally

2 12 RFP Objective 3 The bidder has to implement CKYCR in RRBs, its

subsidiaries

Inorder to implement the CKYCR in RRBS,

its subsidiaries, NSDL and CDSL, the APIs

will be required.

The Bidder request the Bank to kindly

clarify that it will be the responsibility of

the Bank to provide the necessary APIs.

Successful bidder has to

interact with necessary

vendors for API). Bank will

coordinate with the

vendor for exploring the

API.

3 12 RFP Objective Bank invites proposals from competent and

authorized Bidders for Supply, Installation,

Implementation, Customization, Testing,

Training, Onsite Support and Integration of

Central KYC Registry (hereinafter referred to as

CKYCR) Solution for Bank. Bank needs to

integrate CKYCR portal of CERSAI, Govt. of India

with proposed solution through STP using

digital signature. The required solution should

be installed at Bank’s Data Centre (DC) and

Disaster Recovery (DR) Site simultaneously and

the bidder is responsible to make DR with sync

for the proposed application and database at

any point of time. The bidder also has to

implement CKYCR in RRBs, its subsidiaries,

NSDL and CDSL. The Bidder should be an OEM,

Authorized partner, System Integrator, having

project team members and support personnel

competent enough to install, configure,

customize, maintain, training and support the

proposed solution.

Kindly clarify whether separate

installation is required for NSDL, CDSL,

RRB’s

Yes

4 13 Scope of Work 4 Legacy Account Kindly clarify the process for existing

legacy accounts

will be shared with

successful bidder

5 13 Scope of Work 4 The accounts are opened through CBS (Finacle)

and the respective details also will be updated

in Finacle. The proposed solution should

download the account details automatically

from Finacle via SFTP or through any other

mode.

Kindly clarify through what other mode

bank expects apart from SFTP.

other than SFTP any better

mode and secured mode if

available

Request for Proposal for Implementation of Central KYC Registry Solution(CKYCR) RFP ref :BOI/HO/IT/CKYCR/2019 dated 16.05.2019

All interested bidders are hereby informed that the following changes / clarifications to be taken into account for Bid submission. This clarification / changes document duly signed by

authorised official of the Bidder to be submitted alongwith the Bid. Please note & comply accordingly. All other terms & conditions of the Bid remains unchanged. This changes /

clarifications are full & final and further queries will not be entertained by the Bank.

RFP - Implementation of Central KYC Registry Solution(CKYCR) :Queries received from Bidders -OUR REPLY/ CLARIFICATION / CHANGES TO RFP AS PER PRE BID MEETING ON

10/06/2019

6 13 Scope of Work 4 Also the solution should have the capability to

import the scanned documents from Document

Management system to the software or export

the scanned documents from the software to

Document Management System with a proper

reference.

What will the mode of integration with

DMS?

As per RFP

7 14 update of KYC Record 4.3 The Proposed solution should be capable to

give SMS/email alert to respective customer

whose notification comes to the branch. It

should have a workflow and all interaction with

www.ckycindia.in or the CKYCR system should

happen through secure FTP and SSL.

Kinldy share the workflow for SMS/Email

alerts.

will be shared with

successful bidder

8 14 cost of RFP 6 1. Bidder is required to pay Rs.10,000/- in the

form of Demand Draft from a Schedule

Commercial Bank in favor of Bank of India

payable at Mumbai towards cost of RFP at the

time of bid submission.

2. Bidder should deposit EMD of Rs.5,00,000/-

in the form of a demand draft issued by a

scheduled commercial bank favoring Bank of

India payable at Mumbai (or) Bank Guarantee –

BG, issued by a scheduled commercial Bank

(other than Bank of India). The EMD should be

submitted at the time of bid submission.

3. Bank will follow the guidelines issued by

Govt. of India for MSME units registered with

NSIC under single point registration scheme.

However bidder has to submit the copy of

valid NSIC Certificate clearly mentioning that

they are registered with NSIC under single

point registration scheme

The public procurement policy for MSMEs

order, 2012 is applicable to all central

ministries/departments/CPSUs and has

become mandatory i.e. 1st April

2015.Under this policy the participation

fee and EMD will be exempted along with

other benefits mentioned in the policy for

all the MSMEs registered with District

Industries Centre (DIC) or Khadi & Village

Industries Commission (KVIC) or Khadi &

Industries Board (KVIB) or Coir Board or

National Small Industries Commission

(NSIC) or Directorate of Handicrafts and

Handlooms or Udyog Aadhar

Memorandum or any other body specified

by Ministry of MSME under the public

procurement policy irrespective of

relevance of product category and

capacity of the MSME. Accordingly we are

considering that it will be exempted for

MSME Registered Companies to pay

Tender Fees and deposit EMD or Bid

Security etc.

Kindly clarify.

As per RFP

9 15 Cost of RFP 6 (3) Bank will follow the guidelines issued by Govt.

of India for MSME units registered with NSIC

under single point registration scheme.

However bidder has to submit the copy of valid

NSIC Certificate clearly mentioning that they

are registered with NSIC under single point

registration scheme

Whether suitable exemption are available

under only MSME registration for

submission of EMD.

As per RFP

10 18 11. Timeline and Penalty

for delay in project

implementation

5 As per requirements, the details of account

opened/activated have to

be uploaded into CERSAI portal within 10 days.

Therefore, the SI has

to deploy suitable number of resources at

various levels in each of the

identified places by the bank and complete the

all the required jobs, so

as to ensure that the Bank is able to

verify/upload the data to CERSAI

portal within 10 days.

Request bank to clarify no. of resources

required & no. of shifts required for each

category;

1. Production Support

2. Facility Management Services

3. Requirement of additional resources &

location for the deployement as

mentioned in the point mentioned

In ZCOD the application

will be used and if the

bank is not able to login

because of the issue it has

to be resolved within the

time limit.

11 18 11. Timeline and Penalty

for delay in project

implementation

Point. 6 In case of pendency with regard to this activity,

a penalty of Rs.1000/-

or penalty imposed by CKYC whichever is

higher for each application,

will be levied and recovered from the amount

payable to the SI/Bidder.

Request bank to remove the clause

It will be changed to

Rs.500/-

12 19 Timeline and Penalty for

delay in project

implementation

11 Performance: Bidder/SI has to ensure proper

sizing of hardware based on the volume

provided on this RFP and in no case it should be

undersized or oversized. Sizing of the hardware

has to be done in such a way that the average

daily (8 am to 8 pm) CPU and Memory

utilization does not exceed 70%. In case it

exceeds, an amount of Rs.5,000/- for each such

occasion would be levied as penalty

Request bank to relax this point as the

volume mentioned by bank is conditional

and it depends on customer acqusition . If

we assume that the volume is

unpredictable then this clause will not

work.As per RFP

13 19 Penalties 12 In the absence of the engineer, suitable

replacement is to be provided on immediate

basis. In case of absence of absolute absence

(when no replacement is provided), penalty

would be deducted @1% of the

Implementation Cost, for each day, up to a

maximum of 10%.

Request you to relax fines and penalties

As per RFP

14 19 Penalties 12 In absence of the required number of

manpower as per the Purchase order, Rs.300/-

will be deducted for the absence of per

engineer per day. Maximum penalty in this case

will be 10% of the FMS cost.

The penelties mentioned and the uptime

requested is too high request the bank to

relax the same.As per RFP

15 19 Penalties 12 Uptime Penalties- < 99.5% up to 99%- Rs 5000 <

99% up to 98%- Rs 10000 < 98% up to 97%- Rs

15000 < 97%- Rs 20000

The penelties mentioned and the uptime

requested is too high request the bank to

revise the same and reduce it to .Uptime

Penalties- < 95% up to 90%- Rs 1000 <

90% up to 85%- Rs 5000 < 85% up to 80%-

Rs 8000 < 75%- Rs 10000. Also now

Downtime caused due to maintaince of

the application or Network issues caused

by the Bank or due to change of internal

banks IT policies the vendor should not be

pennalized.

As per RFP

16 19 Penalties 12(b) The Bank expects an uptime of 99.5% for the

complete solution on monthly basis

Requesting the Bank to kindly consider

uptime as 95 % As per RFP

17 21 Training 15(a) Management of servers, storage, database and

security

Management of servers, storages,

database and security will be out of scope

of the FM support. The responosiblty of

the same lies with the bank kinldy remove

the clause.

As per RFP

18 21 Training 15© Business Process Management There is no scope of BPM in CKYCR

process. Kinldy remove same clause.As per RFP

19 21 Training 15(d) Program coding Source code is IPR of the organisation the

same can not provided. As per RFP

20 21 Training 15(d) Bidder should provide eLearning module which

can be integrated with Banks’ eLearning

module

Kindly share the scope of elearning.will be shared with the

successful bidder

21 21 Training 15(d) Lodging and Boarding at Training Centre for the

Trainer shall be provided by the Bank.

Requesting Bank to bear travelling and

food cost as well. As per RFP

22 29 Software Licensing 28 Bank, in future, as and when it proposes to

implement account opening workflow through

any online mode like TAB, mobile, account

opening through KIOSK, through website etc,

software should have the capability to support

the same in future

Does the Bank expect the vendor to

provide , Mobile based TAB, mobile,

account opening through KIOSK, through

website etc, software ? ( As the same will

be out of scope) Or only CKYC details for

these accounts opened through these

chanels should be send to CERSAI. Does

the Bank require to integrate with CERSAI

API's for seraching Customer deatils in

Cersai? Kinldy clarify!

In any mode, account will

be opened and updated in

Finacle, Same process will

be followed.

23 30 Performance Security 3 Within the period of 21 days from Date of

receipt of notification of Contract award, the

bidder/SI shall furnish to the Bank, the

Performance Security for an amount of 15% of

Total Contract Cost valid for minimum period of

Contract period plus three months

As per market standards the amount of

Performance security is 10%.. Request you

to kinldy revise the same to 10%.

As per RFP

24 30 Insurance 31 The insurance shall be in an amount equal to

110 percent of the value of the Products from

“Warehouse to final destination” on “All Risks”

basis including Theft, War Risks and Strikes,

valid for a period not less than 3 months after

installation and commissioning and issue of

acceptance certificate by the Bank.

Since the product is an software

application the same isnt requried request

the bank to kinldy remove the clause.

As per RFP

25 31 Contract Period 34 Contract period is 4 years after expiry of

warranty period. Warranty period of 1 year

shall commence from the date of successful

implementation of the proposed solution by

the successful vendor & its acceptance by the

Bank. Although the period of contract period is

5 years after expiry of warranty period, Bank

reserves the right to extend the ATS & FMH

same at the same rate for another 6 months or

selection of vendor through RFP whichever is

earlier. Bank may also extend the ATS and FMH

after 5 years to the Bidder as per the mutually

agreed rate.

Warranty period as per industry standards

is considered for 1 year. After expiry of

warranty the contract period is mentioned

for 5 year. Kindly clarify if its for 1

warranty + 5 year Contract or 1 + 4 Years.

1+4 years warranty

26 33 Prices and Taxes 38 Minimum of 3 year comprehensive warranty.

This period will start from date of acceptance of

each installation by the Bank in writing.

Kindly clarify the warranty period if its 3 or

1.1 year

27 33 Prices and Taxes 38/c/viii Minimum of 3 year comprehensive warranty.

This period will start from date of acceptance of

each installation by the Bank in writing.

As per industry standars the warranty

period for software is for 1 years.

Request you to kinldy revise the same.1year

28 36 3. Commercial Bids: a The Technical Bids will be evaluated as per

eligibility criteria. Thereafter the Bank reserves

the right of selection of Vendor either by

Opening of Commercial Bids of vendors (who

are found eligible after evaluation of Technical

Bids) or proceed with the selection of Vendor

through On Line Reverse Auction.

On what are all condition bank will go for

reverse auction or Visa versa

As per RFP

29 38 47. Commercial Evaluation

Process through Reverse

Auction

3 Bidders should note that the indicative

commercial bid is considered for the purpose of

conducting ‘Reverse auction process only. The L-

1 Bidder will be decided only later, on

finalization of prices through Reverse auction.

Our understanding is that, L1 will be

decided based on Reverse auction only &

not based on Indicative bid quoted by

bidder as per Annexure LAs per RFP

30 39 Delivery and Documents: 51 Enterprise wide licenses of the solution – to

cover branches of Bank of India and its

sponsored RRBs.

Kindly clarify the number of locations at

which the installation needs to be done.

Volume for Each RRB of legacy accounts

and incremental account opening.

As per RFP

31 39 Delivery and Documents: 51 Enterprise wide licenses of the solution – to

cover branches of Bank of India and its

sponsored RRBs.

Kindly clarify on the no of sites where the

solution needs to be installed. As per RFP

32 39 Delivery and Documents: 51 SQL Version 2008, 2012 SQL version 2008 is out dated and the

same is not supported. Kinldy revise the

point.

SQL version will be

2012/2016

33 40 Delivery and Documents: 51 All copies should be delivered in hard & soft

media. Source code for customized application

and documentation of the CKYCR solution shall

be the property of the Bank from the start of

the contract period. Bank would guarantee that

it would not use the source code for

commercial purposes and would be willing to

sign suitable legal documents in case the

vendor/bidder so desires.

Score Code is IPR of the organisation and

the same can not be shared.

While IPR for base

software will be with OEM

, Bank will enter into

ESCROW arrangement for

customised version.

34 40 Payment Terms 52 After a period of 1 year from Go live or against

furnishing a performance Bank Guarantee of a

scheduled commercial Bank (other than Bank

of India) for the equal amount.

Request you to kinldy release the said

payment on submition on BG and refrain

form holding the payment for 1 year as

previous milestone would be released

post 2 months of go live.

As per RFP

35 40 payment terms 52 No advance payment will be made against

purchase order.

1) request to make 100% license payment

on license delivery only. 2) how many

days it will take to release the payment

against receipt of undisputed invoices.

As per RFP

36 40 payment terms 52 ATS for software will be paid quarterly in

arrears against submission of physical invoice.

please make it 100% at delivery

As per RFP

37 45 Liquidated Damages 55 A penalty of Rs.10000/- per day will be levied

for every downtime exceeding 4 hours due to

software error

This point is not acceptable as the penalty

amount is too high request the bank to

reduce the same.

A penalty of Rs.5000/- per

day will be levied for every

downtime exceeding 4

hours due to software

error

38 47 Warranty 58 Warranty should not become void if Bank buys

any other supplemental software from a third

party and installs them with this software in the

application supplied under this RFP, if any.

However, the warranty will not apply to such

supplemental software items installed.

In case any 3rd party software will be

installed in the server without the

permission of the vendor the warranty

shall become void. as per RFP

39 48 Delivery Period 59 The required software is to be delivered within

2 weeks from the date of the acceptance of

purchase order

please extend the delivery period for 6

weeks. As per RFP

40 55 Installation/Commissioning

of Hardware/Software

The bidder/SI is responsible for all unpacking

and installation of Products. The bidder/SI will

test all hardware/system operations and

accomplish all adjustments necessary for

successful and continuous operation of the

hardware/software at all installation sites.

Unpacking and installation of Products like

hardware Os, database and other

applications is the responsiblty of the

Bank. Request you to kinldy remove this

clause. As per RFP

41 66 Annexure F 2 Bidder should have minimum annual turnover

of Rs. 5 crores each during the last three

financial years that is 2016-17, 2017-18 and

2018-19 as per audited financial statements.

This must be individual company and not of any

group of companies.

Request you to kindly consider

provisional balance sheet for 18-19Audited financial

statements for 2015-

2016,2016-2017,2017-

2018.And provisional

finanacial statement for

2018-2019

42 66 annexure F 2 Bidder should have minimum annual turnover





group of companies.

Documents to be submitted

Audited Financial statements to be submitted.

Additional Support Letter from CA to be

submitted.


allow the submission of provisional

Financial statement for the financial year

2018-19 or Audited Financial statement

for the financial year 2015-16.Audited financial


2016,2016-2017,2017-



2018-2019

43 66 pre-eligibility criteria 1 Copy of the Certificate of Incorporation copies

of memorandum and article of association.

Submit copy of PAN Card, Sales Tax VAT

Registration.

instead of Sales Tax VAT registration can

we submit GST certificate onlyGST can be submitted

44 66 pre-eligibility criteria 2 Audited Financial statements to be submitted.

Additional Support Letter from CA to be

submitted.

can we submit only Audited Financial

Statements ? As per RFP

45 66 pre-eligibility criteria 2 Bidder should have minimum annual turnover





group of companies.

"As printed on pg. 15 , we comprehend

that RFP has under mentioned clause for

exemption for MSME:-

“Bank will follow the guidelines issued by

Govt. of India for MSME units registered

with NSIC under single point registration

scheme. However bidder has to submit

the copy of valid NSIC Certificate clearly

mentioning that they are registered with

NSIC under single point registration

scheme."

In line of above we envisage that, MSME

units will get specific relaxation in

Turnover criterion also. Accordingly, we

appeal that Turnover Criteria for Micro &

Small Enterprise registered companies

should be considered as "Annual

Turnover of at least Rs. 3 Crore in last 3

Financial years Or less."

Kindly clarify

As per RFP.

46 67 Annexure-F 3 Criteria

Bidder should have positive net worth in the

last three financial years that is 2016-17, 2017-

18 and 2018-19 as per audited financial

statements.


Audited Financial statements to be submitted.


allow the submission of provisional

Financial statement for the financial year

2018-19 or Audited Financial statement

for the financial year 2015-16.

Audited financial


2016,2016-2017,2017-



2018-2019

47 67 pre-eligibility criteria 6 The Bidder should have experience of already

successfully implementing CKYCR Solution in at

least 2 Scheduled Commercial Bank /Financial

Institution/ PSU in India out of which 1 should

be Public Sector Bank and such implementation

should be working for atleast 6 months.

request to consider work in progreess as a

reference and reduce the experience to 1

reference.

As per RFP

48 67 Annexure-F Pre-Eligibility

Criteria

The Bidder should have experience of already





should be working for atleast 6 months.

We have implemented CKYC solution in

more than 70+ Banks and Financial

institutes. We request bank to reconsider

the criteria of implementing the solution

in Public Sector bank as CKYC norms are

same for Schedule Commercial Bank,

Public Sector Banks, RRBs etc.

The Bidder should have

experience of already

successfully implementing

CKYCR Solution in at least 2

Scheduled Commercial

Bank /Financial Institution/

PSU/RRB in India out of

which 1 should be Public

Sector Bank/RRB and such

implementation should be

working for atleast 6

months.

49 67 Pre-Eligibility Criteria Pre-Eligibility

Criteria/ 6

The Bidder should have experience of already





should be working for at least 6 months.

"As printed on pg. 15 , we comprehend

that RFP has under mentioned clause for

exemption for MSME:-

“Bank will follow the guidelines issued by

Govt. of India for MSME units registered

with NSIC under single point registration

scheme. However bidder has to submit

the copy of valid NSIC Certificate clearly

mentioning that they are registered with

NSIC under single point registration

scheme."

In line of above we envisage that, MSME

units will get specific relaxation in this

criterion also. Since, very few banks have

Implemented CKYC solution currently

therefore experience for Micro & Small

Enterprise registered companies should

be considered on relaxed way.

Accordingly, we intend implementation

in at least Two Banks in India out of

which One should be Scheduled

Commercial or Scheduled State Co-

operative Bank with minimum 200

Branches etc. should also be considered

as experience.

As per RFP

50 67 pre-eligibility criteria 6 The Bidder should have experience of already





should be working for at least 6 months.

Request bank to consider experience of

already successfully implementing CKYCR

Solution in at least 2 Scheduled

Commercial Bank /Financial Institution/

RRB in India.

The Bidder should have

experience of already

successfully implementing

CKYCR Solution in at least 2

Scheduled Commercial

Bank /Financial Institution/

PSU/RRB in India out of

which 1 should be Public

Sector Bank/RRB and such

implementation should be

working for at least 6

months.

51 68 Annexure F 7 The Bidder should have direct

support office at Mumbai and Bangalore

should be able to provide support and

maintenance for the offered solution.

Documentary proof

(Office registration details etc)

to be submitted along with the

bid.

We have direct office at Mumbai, we have

ongoing project in all over India. We

provide on-site support to all major

location in India and we provide on-site

support to our clients in Bangalore as well.

We request bank to relax criteria for

having direct office at Bangalore.

As per RFP

52 69 Annexure-F Sl No. 14 Criteria

The vendor must comply with

government’s rules and regulations like

minimum wages act, Provident fund and

ESIC facility standard.


Proof of compliance and labour license

needs to be submitted along with the

quotation)

Being a service provider the minimum

wages act is not applicable for us.

Hence, we would request the Bank to

kindly confirm if the submission of

proof for the Provident Fund and ESIC

facility standard will suffice the

requirement to the clause of the RFP.

As per RFP

53 76 Terms and Conditions Implementation charges should cover

integration with the existing applications of the

Bank as well as the applications that may

require integration during the contract period.

Kinldy clarfiy the number of solutions and

requried scope of integarion with CKYC

solution. As per RFP

54 77 Terms & Conditions Annexure-J Wherever Bank would like to avail the services

of manpower after first year, Bank shall

consider an increase of 4% in price every year.

Bidder should note that while quoting total

Price for Manpower for 5 years, it should be

inclusive of the aforementioned increase of 4%

Request the bank to kindly consider 15%

incement year on year.

As per RFP

55 77 Terms and Conditions Sizing of hardware for implementation of

CKYCR solution should be for enterprise wide

licenses and certified by the application OEM.

The bidder should ensure that the neither the

sizing is oversized nor undersized.

Kindly clarfiy the volume for legacy

records and futue accout to be opened on

daily basis. Also clarify if the bank has a

sepreate storge server or the same needs

to be shared by the bidder as well.

As per RFP

56 80 Manufacturers’

Authorization Form

(b) following such termination, furnishing at no

cost to the Bank, the blueprints, design

documents, operations manuals, standards,

source codes and specifications of the

Products, if requested.

Source code is IPR of the organisation the

same can not provided. While IPR for base




customised version.

57 81 format for indicative price

bid

6, 7 & 8 CKYCR - ATS for 4 years after expiry of warranty

period of 1 year for Bank of India

For enterprise wide unlimited license, the

ATS cost can't be sliced into separated,

please club the ATS at 6, 7 & 8 into one

single line item.

As per RFP

58 82 Terms & Conditions Table T2:

Facility

Managemen

t

Six Months onsite experienced support

(Support personnel should be BE/MCA and 1

year experience in the CKYCR-software supplied

to the Bank.)

Relaxation required for Qulification and

experince As per RFP

59 82 Annexure L - Terms &

Conditions:

For the purpose of TCO, 6 months post go live

on-site support and ATS is considered.

Where we need to account this cost in

provided Price bid (Anx. L) As per RFP

60 84 Terms and Conditions Bidder should follow all the best practices like

High availability, Disaster Recovery, Backup,

Monitoring tools etc.

Clarity required for type of tools and

frequency of back up.will be shared with

successful bidder

61 84 Terms and Conditions Wherever Bank would like to avail the services






Reques you to kinldy revise the same to

15% excalation year on year.

As per RFP

62 84 Annexure L - Terms &

Conditions:

Wherever Bank would like to avail the services






Whether we need to include 4% cost

increase per year & quote or bank will pay

additional 4% on our quoted price; For

E.g., If we quote Rs.10,00,000 for Facility

manger as yearly cost per person,

whether Bank will Pay 10 lac + 4 % for 2nd

year as salary? Please confirm! If not,

please explain with illustration

As per RFP

63 91 Annexure Q BG Form Within the period of 21 days from Date of

receipt of notification of Contract award, the

bidder/SI shall furnish to the Bank, the

Performance Security for an amount of 15% of

Total Contract Cost valid for minimum period of

Contract period plus three months.

Request for relaxation for 10% as per

industry standards.

As per RFP

64 108 Functional Specification Annexure X Data capturing page of proposed solution given

for branch users should validate PAN and

Aadhaar number from NSDL and UIDAI sites

and same facilities to be available for other

OVDs in public domain as and when they

become available.

Bank has to share the API's for PAN and

Aadhaar validation. Request bank to share

the same

Successful bidder has to

interact with necessary

vendors for API). Bank will

coordinate with the

vendor for exploring the

API.

65 108 Functional Specification Annexure X The proposed solution should be capable to

work on Virtual Cloud Model which supports

windows 2012 and above, RedHat Linux.

Is it public or private cloud? Kindy confirm

As per RFP

66 109 Functional Specification Annexure X The system should be capable of capturing data

of new / legacy account of individual and legal

entities as per template of CKYCR

What is number of legacy accounts?

will be shared with the

successful bidder

67 109 Functional Specification Annexure X The proposed solution should be capable of

validating the Aadhaar by using banks existing

bio-metric device

Is bidder responsible to develop e-KYC

solution? Please confirmNo, e-kyc already

implemented



bio-metric device

Which device will be used for E-KYC?

E-kyc already implemented


using existing scanners available at branches as

per description of CKYCR uploading

requirement

Please specify the make and model of

available scanners?

Flatbed or ADF Scanner

70 111 Annexure X/ Functional

Specification

2 The proposed solution should be capable to

work on Virtual Cloud Model which supports

windows 2012 and above, RedHat Linux

Application is .net framework based. Will

run on windows 2012 and not support

Redhat Linux. Bank has also requested for

SQL server which is Windows based.

Hence request the bank to remove

RedHat Linux.

As per RFP


Specification

5 Data capturing page of proposed solution given

for branch users should validate PAN and

Aadhaar number from NSDL and UIDAI sites

and same facilities to be

available for other OVDs in public domain as

and when

they become available

The bank already validates PAN and

Aadhaar number from NSDL and UIDAI

during Accont opening. Hence revalidating

the same isnt required request you to

kinly remove the above clause.

As per RFP


Specification

7 The system should be capable of capturing data

of new / legacy account of individual and legal

entities

This feature is not implemented at cersai

end and hence not a part of our system. In

future enhancements and requirements

of CERSAI shall be deemed as new

requirement. Request you to kinldy relax

this point

AS per RFP


Specification

8 The system should check the names of

customers with the data base of Central KYC

Registry, as per bank’s requirement

CERSAI gives a feature of searching by

ckyc id, pan and aadhar and driving

license number and not by name. Kinldy

amend this point accordingly.

As per RFP


Specification

13 The proposed should be capalble of identifying

the records aotomatically which are to be

uploaded to CKYCR server.

The system shall identify CERSAI

uploadable files however file generation

is manual work and records upload is

handled via automation Or manually

As per RFP


Specification

14 The proposed solution should be capable of


bio-metric device

Aadhaar validation take place during

account opening and before entering our

current solution scope. Customer data

which is send to CERSAI after prevalidated

of Aadhar during account opening in CBS

and the same is not required in CKYC

soltuion. Kinldy remove this point.

As per RFP.


Specification

15 The Proposed solution should be capable of

mapping a new account to an existing customer

automatically using business rules configured in

the system. Such rules should be flexible and

highly parameterized in the proposed solution.

The rules can be added, changed or removed

by Bank at any point of time and in case of

customization required every time in the

solution then

there will not be any cost to Bank for this

change Request

The rules in the solution are per defined

as per generic bank and Cersai

requirements. Any change in the rules will

be considered as a customization. Request

you to kinldy consider the same.

As per RFP

77 114 CKYCR Related

Requirements

58 The Successful bidder has to provide 24/7

online support to Bank and if required the

engineer has to visit Bank’s premises to resolve

the issue

We propose online support to be

deployed in the bank's premises during

working hours.As per RFP


Specification


picking up unlimited address types and number

of address along with contact numbers and

email details. Address change of the customer

through this solution should be maintained in a

user friendly and readable manner with the

account linkage

As per CERSAI, currently in application you

can store 3 address types only –

permanent, corresponding and

jurisdiction address. Request you to kinldy

rectify the caluse.As per RFP


Specification


providing details to Bank and other monitoring

authorities for progress/pendency of the work

of screening/scrutiny of the work under

correspondence with the field functionaries

Clarification needed

As per RFP

80 115 Functional Specification Annexure X The Software application should integrate

previous data and history of previous vendor in

their system/application

Please elaborate on history of previous

vendor in Bidder's system/application. will be shared with

successful bidder

81 115 CKYCR Related

Requirements

68 During the contract period, if OEM of OS/DB

solution announces regarding the End of

Support the successful bidder has to migrate

the solution to the newer version of OS/DB

without additional cost to the Bank.

Single migration will be considered,

further will be charged at actuals.

As per RFP


Specification


using existing scanners available at branches as

per description of CKYCR uploading

requirement

Request you to kindly revise the point to

the Proopsed solution should be capable

of integrating with Twain compatible

scanner. Integrating the solution to all

scanners availabe at branches or out

dated scanners wil not be fesable.

As per RFP


Specification

33 If any value of particular field as per CKYCR

template is not available in Bank’s Core Banking

Solution, the branch user will fill the required

additional details in the proposed solution. So

the proposed application should have

sufficient data entry / upload module to accept

the gap data for a single / multiple customers at

a time

Clarification needed as we should know

the data which will be partial or full

As per RFP


Specification


downloading customer data/document based

on unique ID given by CKYCR of the

customer/legal entities without human

intervention (integrate with Bank’s in house

software / Core Banking Solution /Existing KYC

AML system as per the Bank’s requirement)

We would require more clarity to

understand list of appicaltions bank

suggesd the vendor to integrate.

will be shared with the

successful bidder


Specification

37 System should digitally sign the zip folder

before upload as per requirements of CKYCR.

As per CERSAI requiement the files need

not be signed but just Zip. Request you to

kindly amend the point.As per RFP


Specification

39 As and when the new requirements arise from

verticals/CKYCR ,system should be capable of

providing the necessary dashboards like

probable match ,New Customer, Notification

Management and Replicate Modification etc

Clarification needed

As per RFP

87 118 Annexure-Y (Bidders

Capability/Marking

Methodology)

3 Site Visit and Customer Feedback (This section

will be based on the visit by Bank Officials to

Reference site. Technical Committee

comprising of Bank Officials not exceeding 5

members will visit one of the reference sites

where the proposed solution supplied by the

PSP and implemented by SI. The marks will be

based on the feedback received on the

application, implementation and maintenance

during the visit.)

We as a vendor have clients outside

mumbai and if bank decides for onsite

visit for the same purpose the travelling

cost will be borne by the bank.

yes, but prefarably in

Mumbai


Specification

44 The Proposed solution should be capable to

generate reports in multiple formats – PDF,

RTF, HTML,CSV and XSL/XLSX. User can

configure the columns and print settings -

header, footer etc

Kindly clarify on the given formats CSV,

RTF and HTML.

As per RFP


Specification

45 End users should be capable of scheduling the

report generation by specifying the frequency /

timings in the proposed solution

Our development team will configure as

and when required or at the time of

delivery. This not configurable by the userAs per RFP


Specification

48 The proposed solution should have the ability

to delete or modify or remove the configured

workflows, if they become redundant or

obsolete as per bank’s requirement

and there should be sufficient logs for every

action.

The proposed solution workflows would

be structured after discussing and

finilzaing with the Bank any change in

workflow would be considered as

customizatio post go live. Request you to

kindly consider the same.

As per RFP


Specification


storing customer data and photograph as per

bank’s requirement

Customer Data and Photographs as

currently the data will be stored in the

data base. Kinldy clarify the Banks

Requirement.

AS per RFP


Specification

54 The bidder should either provide the source

code itself with necessary documentation or

arrange to keep it under

escrow arrangement.

Source code can not be provided as it’s

the IPR of the Company While IPR for base




customised version.


Specification

55 The application should support multiple

database platforms like Oracle, SQL Server etc.

System supports sql server or oracle

depending on the requirement As per RFP


Specification

58 The Successful bidder has to provide 24/7

online support to Bank and if required the

engineer has to visit Bank’s

premises to resolve the issue

The solution will be ustilized by the bank

during banking hours only. Hence we

would request you to kinldy revise the

point for 24/7 online support to 12/6.

Holidays as per Banking holiday to be

considered as a support holiday.

As per RFP


Specification

60 Bidder should provide 1 year warranty and

adequate support to Bank for 4 year without

any extra cost for al supplied software, if any

incase of such requirement from

Bank for these RFP requirements.

Custimization Requirement post go live

will be considered as a new requirement

and the same will be charged on Per

person per man day costing submitted in

the commerical.

As per RFP


Specification

68 During the contract period, if OEM of OS/DB

solution announces regarding the End of

Support the successful bidder has to migrate

the solution to the newer version of

OS/DB without additional cost to the Bank.

Any change in OS/DB solution will be

conidered as a customization.

As per RFP


Specification

80 There should not be any dependency on

CERSAI server for view option for CKYC ID

generated from all financial

Institutions

Details of CKYC id generated in the system

will not have any dependacy. But CKYC id

generated from other FI will always have a

dependency on CERSAI kinldy revise the

point.

As per RFP


Specification

81 There should be a system to update already

generated CKYC ID from other institutions in

the software (application)

As per CERSAI flow the ID still needs to be

sent to CERSAI and downloaded to map

CKYC ID with the BankAs per RFP


Specification

82 Probable match data reconciliation should not

be time consuming and all the matches should

be listed in excel sheet so that it would be easy

to take decision in reconciling the data(confirm

match or no match).

. It will be displayed on a separate page

within application and not in excel format

As per RFP


Specification

86 Application software should monitor advance

payment made to CERSAI, amount getting

deducted with each CKYC ID

generated and balance amount available

The same can not be monitored as

payment and costing details are not

porvided by CERSAI through API. List of

Custids generated can be provided to the

Bank to monitor the same. Request you to

kinldy rectify the point.

As per RFP


Specification

88 Option to generate record “DATE and Customer

ID wise for CKYC Download list” from CERSAI.

As per CERSAI format the date is mapped

with CKYC ID and not Date and Customer

ID. Kinldy amend the mentioned point.As per RFP

102 124 Other Requirements 3 The solution should support for workflow

management and configuration

The workflow will be standarzied post

discussing with the bank. Any change in

the workflow will be consided as

Customizaiton.

As per RFP

103 124 Other Requirements 7 Configurable Password Parameters like

Password Policy and User Account Policy

Passoword Policy and Password

Parameters will be standardized post

disscussion with the bank. However the

same is need not be conifgrable as it’s a

one time requirement . Request you to

kinldy Amend the clause.

As per RFP

104 NA NA General General We understand that the Hardware will

be procured by the Bank and the

Bidder just needs to provide the sizing

for the hardware.

Request the Bank to kindly confirm the

same.

Bidder needs to provide

hardware sizing

105 NA NA General What will be the bandwidth of any such

branches ?2Mbps

106 NA NA General What is the number of existing branches

and what will be expected number of

branch with in the 5 years?

License should be

Enterprise Wide. It should

be extended in case of

Merger

107 NA NA General What will be expected number of users

and concurrent user with in the 5 years of

time? As per RFP

108 NA NA General What is the average number of new and

modification CKYC request per branch?

As per RFP.