✅ Union Bank of India – CMS Capabilities Overview

🔗 Official CMS Page: https://www.unionbankofindia.co.in/en/Details/cash-management-service

🧠 Core CMS Features:

• ✔️ Collections: NEFT, RTGS, IMPS, Cheques, eCMS, Cash Pickup
• ✔️ Payouts: Bulk file uploads via RM/channel partner
• ✔️ Reconciliation: T+1 files with UTR-mapping support
• ✔️ Virtual Accounts: Basic VAs for client-level tagging
• ✔️ Reporting: PDF/Excel reports via secured email or portal

🏭 Industry Use-Cases:

• PSU: Salary and pension disbursements
• Manufacturing: Vendor payments and reconciliation via file
• NBFC: EMI collections using eCMS + mapped VAs

⚙️ API Capabilities:

• ❌ Real-time: Minimal availability
• ✅ Batch File: Supported for core CMS flows
• ERP Integrations: SFTP/manual; SAP/Tally mapping supported with coordination

📊 Adaptability Score: 6.3/10

🔍 Strategic Insights:

• Strength: Public trust and rural-to-urban reach
• Gap: Real-time integration, open API adoption still evolving