SMS Services
Transactional, OTP and promotional messaging with DLT compliance, API integration and delivery analytics.
The ARSCORE platform
One core ledger, four specialised modules
ARSCORE is a cloud core banking system for rural credit societies. Each module carries the rules of the kind of institution it serves, on top of a shared ledger, security model and offline engine.
Core banking platform
ARSCORE
The ledger underneath everything else. Member onboarding and KYC, deposit and loan accounts, general ledger accounting, inter-branch operations and multi-channel alerts — with the offline engine and the regional-language interface built in rather than bolted on.
- Member onboarding and KYC with document capture
- Deposit and loan accounts managed end to end
- General ledger accounting and inter-branch operations
- Companion web and Android apps for members
- Alerts over SMS, email and WhatsApp
Primary Agricultural Credit Societies
ARSPACCSM
Agricultural lending does not run on a calendar month. ARSPACCSM follows the crop cycle — sanction at sowing, recovery after harvest — and produces the reporting metrics agricultural societies are held to.
- Crop loan sanction, disbursal and seasonal recovery
- Member landholding and cultivation records
- Agricultural society reporting formats
- Field collection with offline entry by village
Co-operative credit societies
ARSCCMS
Member onboarding, savings and deposit products, lending operations, shareholder management, accounting and comprehensive reporting — for thrift and credit societies in towns and villages alike.
- Member onboarding with nominee and share records
- Savings, recurring and fixed deposit products
- Lending from sanction through to closure
- Shareholder management and dividend workings
- Accounting with statutory reporting built in
Souharda co-operatives
ARSOUHARDA
Souharda co-operatives in Karnataka operate under their own legislation, with their own filings and their own way of handling membership and surplus. This module is configured to that framework rather than approximating it with a generic one.
- Membership and share structures under the Souharda framework
- Statutory registers and filing formats specific to it
- Surplus distribution and reserve workings
- Audit-ready trails on every posting
On the roadmap
ARSCFS
Rural chit funds and micro-NBFCs carry filing obligations every bit as demanding as a credit society, with even less software written for them. ARSCFS extends the same compliance engine to cover them.
- Chit group formation, auction and dividend calculation
- Subscriber ledgers and default tracking
- Statutory filings for chit fund operation
- Micro-NBFC lending and reporting
In development. If this is what your institution runs on, we would like to talk to you while it is still being shaped.
Ecosystem add-ons
The smaller things a society still needs
Optional modules that plug into ARSCORE, or run on their own for institutions not yet on the platform.
WhatsApp Services
Broadcast campaigns, one-to-one messaging, chatbots and Business API setup with performance analytics.
Under the hood
What the platform is actually made of
ARSCORE holds other people's money, often in institutions with no IT staff of their own. The engineering choices follow from that.
PHP Laravel
Built on a modern Laravel foundation, sized for high-concurrency relational banking ledgers and a codebase that other engineers can pick up and maintain.
Security by default
Protection against SQL injection and cross-site scripting, CSRF verification on every state change, and automated database backups running without anyone remembering to.
Multi-tenant cloud
Every society gets its own isolated data within one maintained platform, so upgrades and security patches reach all of them at once.
Offline sync engine
Transactions queue locally and reconcile on reconnect with no collisions and no duplicated postings, which is the hard part of working offline.
Every module is configured to your rules
Tell us how your society works today and we will show you the configured version of it.