Core banking · Lending · One platform family
One cloud-native, API-first platform family for deposits, lending and the books that tie them together.
SCBS+ runs members, savings, deposits and accounts for co-operatives and banks. SLMS+ runs high-volume lending for NBFCs and microfinance institutions. Both are configurable to your products and rules, and scale from one branch to thousands.
The SCBS+ head office investment dashboard, shown with sample data.
Solutions
Start with the platform that fits your institution. Both run on the same cloud hosting and meet the same security standards.
Members, savings and deposits, loans, advisor networks and accounting on one ledger, with a mobile app for members.
Origination to closure for high-volume lenders, from the platform behind Satin Creditcare's own loan book.
Industries
State and Multi-State societies running deposits and advisor networks.
CBUrban and district co-operative banks with many branches and strict controls.
NBRetail, MSME and co-lending books that need speed and compliance.
MFJLG lending, centre meetings and field collections at scale.
Share capital, savings and member loans, with CDA reporting.
RBDeposits and microfinance on one ledger, with BSP reporting.
MFWeekly group lending, CBU and field collections.
LCFast origination and fair collections.
Inside the platform
Every dashboard filters by date and product, and drills down from head office to zone, region and branch.
Screens from SCBS+, shown with sample data.
Connected
Shown for India. Each country gets its own KYC, payment and credit bureau connections.
Getting started
Where we work
SLMS+ comes from the platform behind Satin Creditcare's lending in India, and SCBS+ is being implemented with its first co-operative. We are taking both to new markets with design-partner institutions.
Industries
Co-operatives, banks, NBFCs and microfinance institutions run different products under different rules. Each gets the platform and configuration that fits.
State and Multi-State societies grow on deposits and member trust. They need every scheme, every advisor and every rupee on one ledger.
Urban and district co-operative banks need modern banking without a large-bank price tag, and controls their auditors can trust.
Retail and MSME lenders compete on speed to decision and the cost of servicing every loan.
NBFC-MFIs lend to groups in the field, under tight household-income and repayment rules.
Co-operatives, microfinance institutions and rural banks there share the same needs: member deposits, small loans and clean books. We are localising both platforms with design partners in both countries.
About 7,700 co-operatives lend to 12.4 million Filipinos. Members join after a pre-membership seminar, build share capital and borrow against it, and the general assembly shares the surplus back.
127 Philippine banks run microfinance operations. Deposits, microloans and regular loans belong on one ledger, with the reports BSP expects.
26 accredited microfinance NGOs serve over 7 million borrowers, mostly through weekly group lending. That is the model SLMS+ was built on.
SEC-registered lenders need fast origination, clear disclosure and collections that stay within the rules.
Savings and loan co-operatives run on member savings and member loans. Closed-loop koperasi report to the Ministry of Cooperatives; open-loop koperasi move under OJK.
More than 80,000 Koperasi Desa Merah Putih were registered in 2025. Their savings and loan units need sound member and savings records from the start.
Conventional rural banks need deposits and lending on one ledger, with OJK reporting and credit reporting built in.
Financing companies run high volumes of consumer and productive loans and need fast origination and disciplined collections.
SCBS+ · For co-operative societies and banks
Members, savings and deposits, loans, your advisor network and accounting share one data model and one general ledger. Head office sees every branch the moment a transaction is posted.
In the Philippines
One ledger for members, share capital, savings, time deposits and loans, with the reports the CDA and BSP expect.
Being localised with design partners in each country.
In Indonesia
Member savings, loans and SHU on one ledger, with the reports the Ministry of Cooperatives and OJK expect.
Being localised with design partners in each country.
Fit
Every member's savings, deposits, loans and KYC in one view, so branch staff serve members faster and with fewer errors.
Savings, FD, RD, MIS and daily deposit schemes, with a multi-level advisor network and automated commissions.
Run one branch or many on a single ledger, with branch-level control and a consolidated view for management.
Modules
Head office dashboards
Filter by date, product and entity, then drill from head office to zone, region and branch. Export any view to PDF or Excel.
Screens from SCBS+, shown with sample data.
Your options
Co-operatives usually choose between low-cost desktop society software and core banking platforms built for large banks. SCBS+ sits between them.
| Desktop society software | Large-bank platforms | Satin SCBS+ | |
|---|---|---|---|
| Deployment | Installed per branch, or basic hosting | Cloud or on-premise, heavy setup | Cloud SaaS, one ledger across branches |
| Advisor network | Often a separate tool | Usually a custom project | Built in, multi-level with automated commissions |
| Member mobile app | Rarely available | Separate purchase | Included |
| Upgrades | Manual, per installation | Scheduled releases | Continuous, handled for you |
| Pricing | Low licence, plus annual maintenance | Large licence and implementation | Subscription, infrastructure at actual cost |
| Best for | Very small single-branch societies | Large scheduled UCBs | Growing societies and co-operative banks |
Rate changes, disbursements, write-offs and back-dated entries need a second authoriser, configurable by role and amount.
Who changed what, when, and from which branch, kept for the life of the record and exportable for inspections.
Staff see only the branches and functions their role allows. Multi-factor sign-in for head office users.
SCBS+ · Deposits
Savings, fixed, recurring, monthly income and daily deposit schemes, with interest, tax, maturity and renewal handled by the system instead of registers and spreadsheets.
In the Philippines
The deposit products Philippine co-operatives and rural banks offer, with interest and maturity handled by the system.
Being localised with design partners in each country.
In Indonesia
Member savings and time deposits as Indonesian institutions run them.
Being localised with design partners in each country.
Products
Opening, deposits and withdrawals, minimum balance rules and periodic interest posting.
Cumulative and payout options, rate cards by tenure, amount and member category, and auto-renewal.
Monthly instalments with auto-debit from savings, missed-instalment rules and maturity payout.
Monthly interest paid to the member’s savings or bank account, with principal returned at maturity.
Collected by agents or advisors, posted daily, with commission calculated automatically.
Capabilities
Maturity alerts, mobilisation and renewal rates, shown with sample data.
In the member app
FD, MIS, RD and daily deposits open from the phone with the maturity shown up front, and every instalment is tracked.
SCBS+ · Loans
Individual loans, loans against deposits and group loans in the same core as your deposits, so every rupee lent and repaid posts straight to the books.
In the Philippines
The loan products Philippine co-operatives and rural banks run, from release to collection.
Being localised with design partners in each country.
In Indonesia
Member loans and rural bank lending, from application to collection.
Being localised with design partners in each country.
Products
Personal and business loans to members, with your own rates, tenures, charges and eligibility rules.
Instant loans against a member’s FD or RD, with the lien marked and released automatically.
Joint liability groups with centre management and group-wise repayment schedules.
Configure new loan products with their own rates, schedules and charges, without code changes.
Capabilities
The head office loan dashboard, shown with sample data.
In the member app
Outstanding balance, the next EMI and the full schedule, with EMI payment from savings.
SCBS+ · Members and share capital
Membership, KYC, share capital and every account a member holds, in one view that branch staff and head office share.
In the Philippines
Membership as the Philippine Cooperative Code sets it out.
Being localised with design partners in each country.
In Indonesia
Membership as Indonesian koperasi run it.
Being localised with design partners in each country.
Capabilities
The member dashboard, shown with sample data.
In the member app
Self-onboarding with KYC fetched from official sources. Your branch verifies and approves before the account opens.
SCBS+ · Advisor network
Many societies raise deposits through advisors and agents. SCBS+ tracks every advisor’s business, their team’s business and their commission, so payouts are right first time.
In the Philippines
Philippine co-operatives and microfinance institutions grow through account officers in the field.
Being localised with design partners in each country.
In Indonesia
Indonesian koperasi and BPR collect savings and instalments door to door.
Being localised with design partners in each country.
Capabilities
In the advisor app
Commission, growth points, business by product and the team below them, in the same app your members use.
SCBS+ · Accounting and compliance
Every deposit, loan and charge posts to the general ledger as it happens. Day-end is a check, not a reconciliation project.
In the Philippines
Every transaction posts to the general ledger as it happens, in pesos.
Being localised with design partners in each country.
In Indonesia
Every transaction posts to the general ledger as it happens, in rupiah.
Being localised with design partners in each country.
Capabilities
A head office dashboard, shown with sample data.
SLMS+ · Lending for NBFCs and microfinance
SLMS+ is built from the lending platform that Satin Creditcare, an RBI-registered NBFC-MFI, uses to run its own book. It takes a loan from Aadhaar eKYC to closure, with microfinance rules built in.
In the Philippines
Group and individual lending at volume, with Philippine rules built in.
Being localised with design partners in each country.
In Indonesia
High-volume financing with Indonesian rules built in.
Being localised with design partners in each country.
Satin Creditcare Network Ltd, standalone, quarter ended 30 June 2026, as reported in its investor presentation. SLMS+ is built from the platform Satin Creditcare runs its lending on.
Origination to closure
Built from the lending platform Satin Creditcare uses every day. Rules, products and approval limits are configured per lender.
CGT and GRT, centre meetings, household income caps and joint liability, built in.
See microfinance →Microfinance and JLG
SLMS+ comes from an NBFC-MFI that lends to groups in the field every day, under the household-income and repayment rules.
Book a microfinance demoIntegrations
Products
For NBFC-MFIs and NBFCs with high-volume field lending.
For co-operative societies and banks that lend to members.
Digital origination for NBFCs beyond microfinance.
SCBS+ mobile app
One app for your customers. Members see their savings, deposits and loans at any time, and your advisors follow their business in the same app.
In the Philippines
The same app, set up for Philippine members.
Being localised with design partners in each country.
In Indonesia
The same app, set up for Indonesian members.
Being localised with design partners in each country.
What members and advisors can do
Members apply with KYC on their phone. Your branch verifies and approves the account.
Open deposits, pay RD instalments and EMIs, and see every transaction, secured by MPIN.
Maturities, instalments and EMIs due soon, on the home screen and by notification.
Advisors see their business, commission, growth points and team, and can book deposits for members to approve.
Statements, nominee changes, address updates and complaints, routed to the right branch.
From SCBS+ you decide which features are on, and whether members and advisors can only view or also transact.
More screens
Illustrative screens with sample names and figures. Scroll sideways for more.
Pricing
A one-time setup, then a monthly subscription that grows with you. Tell us your size and we send a written quote within two working days. Quotes in INR.
Setup + monthlyper branch, in bands of active accounts
Setup + monthlyby the size of your active loan book
What a quote covers
A fixed-price blueprint of your products and migration. Yours to keep.
Configuration, data migration, training and go-live.
Upgrades, the mobile app and standard support included.
Passed through at actual cost, with the invoice.
A 3-branch society and a 60-branch Multi-State co-operative need very different migrations, so a list price would be wrong for both. A written quote takes two working days.
No. Subscriptions run on annual terms, your data is yours, and we give you a full export in standard formats if you leave.
Yes. Start with the modules you need and switch on more by configuration as you grow.
About Satin Fintech
Satin Fintech is the financial software business of Satin Technologies Limited. We build core banking and lending systems for co-operative societies, co-operative banks and lenders across India.
Our DNA
Our parent, Satin Creditcare Network Limited (NSE: SATIN), has lent to small borrowers since 1990. The people who built that business have run branches, field collections, audits and regulatory change for 36 years. That experience sets how SCBS+ and SLMS+ work: field-first, audit-ready and built for volume.
Credit societies, Multi-State co-operatives, urban co-operative banks, NBFCs and microfinance institutions.
Product, engineering and implementation teams work from our Gurugram head office and on site with clients, with colleagues in Toronto and Dubai.
Fixed-scope discovery, client-owned testing and infrastructure at actual cost. We would rather tell you a hard truth early.
Part of Satin Technologies
Satin Technologies builds technology for trust, talent and capital. Alongside Satin Fintech, two more businesses share our engineering and security standards.
Platforms that help organisations update their security without disrupting the systems that depend on it. Its Arcrix platform assesses cryptographic and quantum risk and tracks findings through to verified fixes.
qtrinolabs.com ↗ Talent · Satin HRRecruitment, onboarding, workforce management, time and attendance, performance, learning and statutory compliance, for employers from plants and logistics hubs to corporate offices.
satinhr.com ↗Leadership
Over 25 years in risk and compliance technology for financial institutions. Previously led a risk and compliance technology practice at EY in Chicago and worked on IBM's Risk Analytics team across Asia-Pacific. MBA from York University; Harvard Business School Advanced Executive Leadership Program.
Leads technology and engineering across the SCBS+ core banking and SLMS+ lending platforms.
Leads finance, commercial governance and contracts for Satin Technologies.
Careers
Satin Fintech is one of three businesses at Satin Technologies. You can join any of them, and move between them as you grow.
Where you could work
Core banking and lending software for co-operatives, banks, NBFCs and microfinance institutions.
HR, payroll and workforce software for plants, sites and offices.
Cryptographic risk and data protection for enterprises.
The shared functions that support every business.
What to expect
Engineers talk to customers, and everyone sees their work in production.
Deposits, loan books and member money leave little room for error. You build software people depend on every day.
As Satin Technologies grows, you can move between its businesses and help start new ones.
Most of the team is at our Gurugram head office, with colleagues in Toronto and Dubai, and remote roles in the Philippines and Indonesia as we launch there.
Apply
Book a demo
Leave three details. A product specialist will call you within one working day, learn about your institution, and set up a demo around your own deposit schemes, loan products and branches.
Contact us
Questions about our products, partnerships or an existing implementation. We reply within two working days. Looking for a demo? Book a demo.
Security and compliance
Your IT team and auditors will ask how SCBS+ and SLMS+ are hosted, who can see what, and how you get your data back. Here are the answers, and we will complete your due-diligence questionnaire in full.
Production data is hosted in Indian cloud data centres. Bank-plan clients get a dedicated, isolated environment.
All traffic uses TLS. Databases and backups are encrypted at rest.
Role-based, branch-scoped access, multi-factor sign-in for head office users, and maker–checker on sensitive entries.
Who changed what, when and from where, kept for the life of the record and exportable for inspections.
Daily backups with periodic restore tests, and a disaster recovery copy in a second location.
Vulnerability assessment and penetration testing by an external firm before go-live and every year after.
Status
| Item | Status |
|---|---|
| Data hosted in India | IN PLACE |
| In-country hosting | PLANNED |
| Maker–checker, audit trail, role-based access | IN PLACE |
| External VAPT report | AVAILABLE UNDER NDA |
| Support for RBI cyber security framework controls for UCBs | IN PLACE |
| ISO 27001 certification | PLANNED |
| Full data export if you leave | INCLUDED IN EVERY CONTRACT |
Legal
This page is a summary placeholder. The final terms will be reviewed by counsel before launch.
satinfintech.com is operated by Satin Technologies Limited, Gurugram, India. It describes our products and lets you contact us.
Features, integrations and availability vary by country and by contract. A signed agreement, not this website, sets what we deliver.
Product screens are shown with sample data. Figures about Satin Creditcare Network Limited come from its published investor presentations.
SCBS+, SLMS+ and the Satin Fintech logo belong to the Satin group. Other names belong to their owners.
Questions about these terms can be sent through our contact page.
Satin team
Demo requests, callbacks and job applications submitted on this site.
| Received | Type | Name and contact | Institution | Interest and source |
|---|---|---|---|---|
| Loading… | ||||
Legal
This page is a summary placeholder. The final policy will be reviewed by counsel before launch.
Details you submit through our forms: name, contact details, institution and your message or application.
To respond to demo, quote and job enquiries. We do not sell your data.
Data our clients store in SCBS+ belongs to them and is processed under their contract with us, separately from this website.
Write to the address on our contact page to access or delete your details.
Leave your number and we will call you within one working day.