Still on paper
Societies holding the savings of entire villages run on handwritten ledgers and standalone software from another decade — with no backup if the book is lost.
PACS · Souharda · Co-operative credit societies
Core banking built for rural credit societies
ARSCORE digitises the societies that hold rural India's savings — running right through network shadow zones, in the language the counter staff already speak.
Offline · 18 entries queued, syncing when signal returns
ಠೇವಣಿ₹4.82 Cr
ಸಾಲ₹3.16 Cr
ಸದಸ್ಯರು2,140
ದಿನದ ಪುಸ್ತಕPosted
ಕ್ಷೇತ್ರ ಸಂಗ್ರಹ18 offline
ಸಾಲ ಕಂತುSynced
Compliance readySociety-specific statutory reports
- 4ARSCORE modules
- 3Society frameworks
- 100%Offline capable
- 2GMinimum network
The ground reality
Rural banking does not break in the data centre
It breaks at a counter in a village, when the register is full, the signal is gone, and the software on screen was written for somebody else's branch.
Signal is not a given
In shadow zones a cloud-only system simply stops. Collection halts, members are turned away, and the day's work is written on paper anyway.
Software that does not fit
A Souharda co-operative answers to different law than a PACS. Rigid one-size-fits-all portals cannot bend to that, so staff end up working around them.
How ARSCORE is engineered
Built around the constraints, not in spite of them
Each of these exists because of something that fails at a real counter. They are why ARSCORE keeps working in places where other systems get quietly abandoned.
Offline-First Architecture
Deposits, withdrawals and loan entries are processed locally with no connection at all, then auto-synchronise without collision the moment a signal returns.
Vernacular Interface
The whole interface runs in the regional language, so a society clerk needs no English and no prior computer training to work a full day at the counter.
Low-Bandwidth Optimisation
A deliberately light architecture that stays responsive on 2G and basic rural broadband, instead of assuming a city fibre line that is not there.
State-Specific Compliance
Separate engines per society type, each aligned to its own regulatory framework and reporting formats — including Karnataka's Souharda co-operatives.
The ARSCORE suite
One platform, shaped to each kind of society
Rather than bending every institution into a single template, ARSCORE ships as specialised modules that share one core ledger.
ARSPACCSM
For Primary Agricultural Credit Societies — crop loan cycles, seasonal recovery and the reporting metrics agricultural societies are held to.
View moduleARSCCMS
For co-operative credit societies — member savings, recurring deposits, lending operations, shares and dividend workings.
View moduleARSOUHARDA
For Souharda co-operatives, configured to the distinct Karnataka framework that national systems do not accommodate.
View moduleARSCFS Upcoming
Extending the same compliance engine to rural chit funds and micro-NBFCs, where the filings are just as demanding and the tooling just as thin.
View roadmapBuilt to multiply
A society should be live in days, not quarters
ARSCORE runs as a multi-tenant cloud platform on a subscription, so bringing on a new society is a configuration rather than a fresh installation. There is no server to procure and no licence to negotiate.
That is what makes it realistic to take on a whole cluster of societies at once — and why the architecture was designed for thousands of them from the first line of code.
What onboarding actually involves
- No new hardware. Societies use the machines they already have.
- Records brought across. Existing registers and legacy data are migrated and reconciled.
- Staff trained on site. In their own language, at their own counter.
- Supported locally. Help that answers in the same time zone and the same language.
Multi-tenant cloud
SaaS subscription
PHP Laravel
Automated backups
What changes on the ground
The point was never the software
A society that closes its books faster lends faster. That is money reaching a farmer in the week it is needed rather than the month after.
Credit moves sooner
Loan files that took days of manual checking are assembled and sanctioned in a sitting, putting working capital into the hands of farmers and village entrepreneurs while it still matters.
Leakage closes
Every posting is traceable and every balance reconciles. Manual errors and quiet operational losses stop draining institutions that cannot afford to lose anything at all.
Skilled work stays local
Our engineering, support and field-training roles sit here in Mangaluru rather than in a metro, which is where we think this kind of job ought to be.
How we work
A rollout a committee can plan around
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Sit with the society
We map the registers actually in use and agree exactly what the system has to produce.
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Configure the module
Products, rates and statutory formats are set to the society's own rules, then signed off.
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Migrate and verify
Legacy balances are brought across and tested against the books until the two agree exactly.
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Train, go live, stay
Counter staff are trained in their language, go-live is supervised, and support carries on after.
See ARSCORE running before you decide anything
We will walk your committee through a live system, in your language, using the kind of entries your counter handles every day.