Welcome to Niyati Online

At Niyati Online, we specialize in providing comprehensive software solutions for cooperative societies, financial institutions, and businesses. With over 9 years of expertise in IT and the cooperative sector, we deliver cutting-edge technology tailored to the unique needs of cooperative organizations

Our Solutions

Cooperative Credit Society Software

• Manage and streamline your credit society’s operations with ease. Our software provides
• Member and loan management
• Automated interest calculations
• Savings and fixed deposit tracking
• Financial reporting and audit readiness

Credit Cooperative Supply Society Solutions

• Optimize the supply chain and manage inventories efficiently with tools designed to
• Track procurement and distribution
• Monitor stock levels
• Generate invoices and sales reports

Cooperative Housing and Service Society Software

• Simplify the management of housing and service societies with features such as
• Maintenance billing and collection
• Member communication tools
• Document and compliance management

Multi-State Cooperative Society Solutions

• Our software is designed to meet the diverse needs of multi-state societies
• Multi-branch management
• Comprehensive financial insights
• Member database synchronization

Multi-Branch Credit Cooperative Society Management

• Centralized solutions for societies with multiple branches
• Consolidated audit tools
• Branch-level reporting
• Real-time data syncing

Banking Technology with Advanced Security

• Encrypted data transfers
• Biometric and two-factor authentication
• Fraud detection and prevention
• Stay ahead in the digital age with secure banking technology

Agent Collection System

• Daily collection tracking
• Commission reports
• Payment reminders and alerts
• Web & Mobile Solutions
• Efficiently manage agents and collections

Web & Mobile Solutions Mobile Application Development

Engage members, committee members, and agents with advanced mobile apps

• Website Development for Cooperatives
• Payment tracking and reminders
• Member login for account details
• Loan application and approval

Enhance your online presence with custom websites featuring

• Member portals
• Online inquiry forms and payment gateways
• Information about your society’s services

Advanced Features : Accounting and Financial Management

Our software simplifies all aspects of accounting and financial management with the following features

Member Management

• Maintain detailed member profiles
• Issuance of deposit receipts
• Auto-calculation of maturity amounts
• Share allocation and tracking
• Dividend distribution and reports
• Savings and Deposits
• Manage savings accounts, recurring deposits, fixed deposits, and daily deposits

Loan Management

• Gold Loan: Secure loans with gold as collateral
• Vehicle Loan: Loans for purchasing vehicles with flexible terms
• Individual Loan: Personal loans tailored to members’ needs
• Jamin Loan: Loans against property (jamin) as collateral
• Housing Loan: Loans for purchasing or renovating homes

Features include:

• Track loan applications and approvals
• Automated interest calculation (flat, reducing balance, or custom rates)
• Generate repayment schedules
• Loan recovery and overdue alerts
• Interest Calculation
• Customizable interest rates based on deposit or loan type
• Real-time updates on interest accruals
• Daily, monthly, quarterly, or yearly interest postings
• Half-yearly and yearly compounding options
• Re-Payment Schedule
• Easy creation and management of repayment plans
• Alerts and notifications for upcoming payments
• Integration with agent collection systems for real-time updates

Receipt and Voucher Management

• Issue receipts for payments, deposits, and loans
• Generate payment vouchers for expenses and disbursements
• Integration with ledger and financial accounts

Audit and Reporting

• Automated financial statements (Trial Balance, Profit & Loss, Balance Sheet)
• Audit-ready reports
• Export reports to PDF, Word, and Excel
• 92+ Audit Reports

Photo & Signature System

Enhance member identification with

• Digital photo and signature capture
• Easy retrieval for verification
• Secure storage in member profiles

Member KYC (Know Your Customer)

Simplify member verification with

• KYC document collection and management
• Automated compliance checks
• Aadhaar, PAN, and ID proof integration

Share Management

Streamline share allocation and monitoring

• Share issuance and tracking
• Automated share ledger maintenance
• Dividend calculation and distribution

Certificates Management

Generate important certificates seamlessly

• Share certificates for members
• Fixed deposit (FD) certificates

Passbook Management

Provide members with digital and physical passbooks

• Automated transaction entries
• Account balance updates in real-time
• Bulk communication for announcements
• Print and export options for passbooks
• Transaction alerts via SMS and WhatsApp

Audit Print System

Streamline audits with

• Auto-generated audit reports
• Printable PDF, Word, and Excel formats
• Yearly and monthly summaries