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GBM Lite


It is an integrated browser based solution which offers back office processing of APY (Atal Pension System) and KVP (Kisan Vikas Patra) with precise Reporting feature.

  • KVP system allows bank to directly sell KVP saving certificate scheme launched by the indian post to its account holders.
  • APY system allows customers of the bank to subscribe & contribute to Atal Pension Yojana scheme of the indian government.


  • User login & access rights control
  • Provision of SMS & emailer with various types of reports
  • Facility for modification of subscriber details (like personal / nominee details)
  • Fund reversal mechanism for failed/erroneous transactions.
  • KVP on Net and APY On Net are available.
  • GBMLite is integrated with finacle CBS. It also supports finacle ESB layer integration.
  • Subscriber verification process.
  • Supports various features like APY closure & pension upgrade/downgrade, KVP pledge/transfer/closure process etc.


  • Open-source JAVA based server software
  • Web-Browser based UI
  • Database: MySQL / Oracle / SQL Server


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