Redefine the Core of Financial Transformation
Coligo CBS is a next-generation Core Banking System engineered for NBFCs, MSCS, and Microfinance Institutions.
Built on cloud-native and AI-driven architecture, it unifies your operations — from lending and deposit management to accounting, audits, and digital integrations — helping financial organizations scale with agility, security, and intelligence.
Coligo CBS combines modular banking workflows with real-time analytics so every portfolio decision is backed by data you can trust.
The platform accelerates transformation for institutions of every size with configurable products, zero-latency integrations, and unified digital experiences.
All Asset Products
Manage every lending process with precision and flexibility.
- Specialized MFI and gold loan modules with instant valuation and digital disbursement.
- Loans against deposits, property, vehicles, MSME, and securities with product-level rule engines.
- Customizable repayment schedules (daily, weekly, monthly, or annual) aligned with customer cash flows.
- Built-in NPA, auction, and overdue management with automated alerts.
- Seamless integration with banking APIs and fintech platforms for KYC, underwriting, and disbursement.
- Dedicated customer, staff, and agent apps for frictionless digital operations.
Liability Product Management
Empower your funding and deposit management.
- Manage NCDs and sub-debts in certificate or demat mode with automated lifecycle controls.
- Support for listed and unlisted NCDs with configurable covenants and investor policies.
- Public and private issue workflows with real-time subscription tracking and reporting.
- Investor dashboard aggregating holdings, payouts, and compliance proofs in one place.
Audit & Compliance Management
Mitigate risks and maintain compliance effortlessly.
- Automated audit planning, task assignment, and evidence capture.
- Risk-based audit evaluation with heatmaps and action tracking.
- Regulatory compliance workflows tailored for NBFCs and MSCS, including RBI reporting packs.
Multi State Cooperative Society & Microfinance Operations
Simplify community and microfinance operations with dedicated modules.
- End-to-end management of shares, savings, recurring, and fixed deposits with member lifecycle tracking.
- Microfinance loan origination, approval, disbursement, and collection with field staff mobility.
- Multi-branch synchronization with centralized reporting and granular access control.
Integrated Financial Accounting
A unified accounting backbone for complete transparency.
- Integrated general ledger and fixed asset management linked to every banking transaction.
- Bank reconciliation, online balance sheet, and profit & loss generation with drill-downs.
- Executive dashboards with real-time financial and operational insights for leadership teams.
Integrations & Ecosystem
Connect every channel, partner, and core system with Coligo’s API-first architecture.
- Pre-built connectors for credit bureaus, KYC, payment gateways, and national switch networks.
- Event-driven APIs that sync with CRM, LOS, LMS, and third-party analytics in real time.
- Secure data exchange with audit trails, sandbox environments, and role-based access for partners.
Tech Stack
Built on modern, modular technology that powers real-time banking experiences.
- Microservice Architecture - modular services that scale independently for faster releases.
- Multi-Tenant DB System - resilient data layer engineered for scale, security, and performance.
- Digital Cell Technology - high-speed ETL and analytics delivering instant business insights.
- AI, ML, Vector DB, and RAG - intelligence-ready core for predictive decisions and automation.
- Big Data Platform with NodeJS, Angular, and Flutter powering omnichannel delivery.
Why Choose Coligo CBS
- AI-driven core delivering smarter insights and predictive analytics for decision-making.
- Cloud-native architecture that is scalable, secure, and modular by design.
- API-first ecosystem for seamless integrations with banks, fintechs, and partner platforms.
- Regulatory ready workflows aligned with RBI and NBFC compliance standards.
- Digital experience suite with unified apps for customers, staff, and management.
info@navtechnologies.in
#11C, Nippon Q1, NH 66, Palarivattom, Kochi, Kerala 682028
#703, Bidarahalli Hobli, Bengaluru, Karnataka 562129
+91 7510 104 447 | +91 7510 104 445