✅ Indian Bank – CMS Capabilities Overview

🔗 Official CMS Page: https://www.indianbank.in/departments/online_collection_products/

🧠 Core CMS Features:

• ✔️ Collections: NEFT, RTGS, IMPS, Cheques, eCMS, Cash Collection
• ✔️ Payouts: File-based disbursement via NEFT/RTGS
• ✔️ Reconciliation: T+1 reconciliation files via SFTP/email
• ✔️ Virtual Accounts: Basic VA setup for collections
• ✔️ Reporting: Email-based MIS + customer portal access

🏭 Industry Use-Cases:

• NBFC: Basic EMI collection infrastructure
• Government: Disbursement of subsidies/salaries
• Education: Fee collection through VAs and branches

⚙️ API Capabilities:

• ❌ Real-time: Not yet supported
• ✅ Batch File: Standard batch file processing available
• ERP Integrations: Manual via SFTP; limited native integration

📊 Adaptability Score: 5.9/10

🔍 Strategic Insights:

• Strength: Strong government ecosystem, branch presence
• Gap: Limited tech stack, no API-first framework, slower innovation adoption