✅ Punjab National Bank – CMS Capabilities Overview

🔗 Official CMS Page: https://www.pnbindia.in/cash-management-services.html

🧠 Core CMS Features:

• ✔️ Collections: NEFT, RTGS, Cheques, eCMS, Cash Pickup
• ✔️ Payouts: Bulk NEFT/RTGS file-based disbursements
• ✔️ Reconciliation: T+1 report via email/SFTP
• ✔️ Virtual Accounts: Available with basic tagging logic
• ✔️ Reporting: MIS in PDF/Excel via portal or RM email

🏭 Industry Use-Cases:

• PSU: Vendor disbursements and pension payouts
• NBFC: eCMS for EMI collections
• FMCG: Distributor payments via cheque + RTGS tracking

⚙️ API Capabilities:

• ❌ Real-time: Not actively offered
• ✅ Batch File: Supported
• ERP Integrations: Manual with support for SAP through SFTP

📊 Adaptability Score: 6.0/10

🔍 Strategic Insights:

• Strength: Vast government and semi-urban reach
• Gap: Lack of modern API infrastructure; slower onboarding