Jharkhand State Cooperative Bank Limited Draft for End to End...Jharkhand State Cooperative Bank Limited ... Kisan Card Money Transfer and Life Insurance 1.2. The activities of the

Request for Proposal for End to End FI system

Jharkhand State Cooperative Bank Limited

“Request for Proposal for Supply, Installation, Commissioning and Management of Micro ATM and

Allied Software”

Jharkhand State Cooperative Bank Limited (A Government of Jharkhand Undertaking)

3rd Floor, Marketing Board Building, Itki Road, Hehal, Ranchi - 5 Telephone No. 0651-2510283, Fax No. 0651-2510283



1 Introduction: ..................................................................................... 3

2 Objective: .......................................................................................... 3

1. SCHEDULE OF TENDER (SoT) ............................................................. 5

2. Background: ...................................................................................... 6

3. Eligibility Criteria ............................................................................... 7

4. Scope of Work: .................................................................................. 9

EARNEST MONEY DEPOSIT (EMD) ...................................................... 18

TENDER OPENING AND EVALUATION ..................................................... 20

1. GENERAL TERMS AND CONDITIONS ................................................ 22

2. ADDITIONAL SCOPE OF WORK ........................................................ 26

3. Hardware Specifications for MICRO ATM/POS device: ..................... 28

4. Application Software on the Micro ATM ........................................... 30

5. Annexure – IV ................................................................................. 33

6. ANNEXURE - V ................................................................................. 35

7. ANNEXURE-VI .................................................................................. 36

8. ANNEXURE-VII ................................................................................ 37

9. Annexure-VIII ................................................................................. 39

10. ANNEXURE- IX ................................................................................. 40

11. ANNEXURE-XI .................................................................................. 41

COMMERCIAL OFFER (per unit) .............................................................. 41

12. Annexure-XII .................................................................................. 42



1 Introduction:

The Jharkhand State cooperative bank was established vide State Cabinet Resolution No 6, dated

8.10.2002 , Its Registration No is – 4/Hqr/Dated – 18.12.2002 and BSCB Ltd transferred Assets and

Liabilities of 5 of its Branches situated in Jharkhand to the JSCB on 31.08.12. Government of Jharkhand

has taken decision to have two tier co-operative credit structures. Under this all eight co-operative banks

and their branches will merge and become branches of JSCB. There will be one Management at JSCB.

All affiliated LAMPS/PACS will act as service provider.

The objective of the bank as given in its website (www.jscb.gov.in) are given below

To cater to the credit requirement of farmer-members of the Primary Agriculture

Cooperative Societies.

To implement the Kissan Credit Card (KCC) scheme to ensure instant finance and

adequacy in credit delivery.

To step up production and productivity in agriculture through promotion of farm

mechanization and better land and water management.

1.1. Services offered –

Internet Banking

Debit Card

Online Grievance Redress

Mobile Banking

Fish Credit Card

Kisan Card

Money Transfer and Life Insurance

1.2. The activities of the bank as adopted from the same site are:

All the branches are working under CORE BANKING SOLUTION.

ATM facility: All the retail outlets and the ATMs are connected through ATM Switch.

This document provides the technical and functional requirement for of Micro ATM and Allied

Software at JSCB. Bidders are required to carry out due diligence while proposing a suitable, best

of class, scalable & cost effective solution.

2 Objective:

1 The purpose of the RFP is to solicit proposals from qualified vendors for Purchase of

Micro ATM terminals for The Jharkhand State Cooperative Bank Ltd. and The District

Cooperative Banks (DCCBS) involving supply installation maintenance of the MICRO

ATMs and its system software.

2 These MICRO ATMs will be used as field devices for carrying out Financial Inclusion

transactions (Biometric AEPS &RupayCard).



3 On the said MICRO ATMs bank will implement its transaction application.

4 Technical and commercial bids are invited from bidders for providing Hand Held

terminal for The Jharkhand State Cooperative Bank Ltd.

5 The Bank proposes to deploy Micro ATM in approximate 2000 (Three thousand

Villages/Locations across Jharkhand. The number of locations may increase or decrease

as per bank’s actual requirement.

6 The period of contract will be for 3 years with annual review



1. SCHEDULE OF TENDER (SoT)

TITLE OF WORK: RFP FOR “End-to-end Financial Inclusion System”

1 TENDER NO.

JSCB/747/2017

Date: 29.06.2017

2 Date of NIT available to parties to download 29.06.2017

3 Date of Pre Bid Meeting

11.07.2017

at 3.00 PM

5 Earnest Money Deposit

EMD of Rs. 1,00,000/- .

Exemption of EMD is for the MSME

certified company.

6 Tender Fees Rs. 5,000/-

7

Last date of submission of Tender 14.07.2017 till 2.00 PM

8 Date & Time of opening of Technical Bid. 14.07.2017 at 3.00 PM

9 Date & Time of opening of Price Bid will be duly notified.

10 Place of Opening tender offers

JSCB

3rd floor, Marketing Board building, Itki

Road hehal, Ranchi – 834005

Email:[email protected],

[email protected]

11 Address of Communication As above

12 Earnest Money Deposit in the form of BG / DD INR 1,00,000

13 Contact Telephone Numbers Phone : 0651 - 2510283

mailto:[email protected]

mailto:[email protected]



2. Background:

The Bank intends to extend banking and financial services to the under banked and unbanked areas of the

country through its program of Financial Inclusion (FI). In the context of Financial Inclusion, the Bank

envisages extension of Banking & Financial Services to under banked & unbanked (rural & urban) areas

through various channels to provide “branchless banking” and deliver financial and banking services. The

technology architecture supporting this strategy involves a combination of various technologies like

Aadhaar Enabled Payment System, RuPay Card, RFID, contact /contact‐less cards, biometric and IRIS

authentication, eKYC, cKYC, Aadhaar seeding, etc. These technologies (herein after called ICT based

financial inclusion technologies) shall support online transactions and operations as explained here below

in subsequent paragraph.



3. Eligibility Criteria

# Criteria Compliance

(Yes/ NO) Document Required

1 The bidder should be a company/firm incorporated in India having

annual turnover of Rs. 50.00 crores (Rupees fifty crores) in last three

financial years i.e. 2014-15, 2015-16& 2016-17 as per the audited

balance sheet available at the time of submission of tender. This must be

the individual company turnover and not that of any group of companies

(letter of incorporation and audited balance sheet for the said period

should be submitted along with the proposal).

Certificate of

incorporation, Audited

Balance Sheet & Profit &

Loss statement for last

three year.

2 The bidder should have earned net profits in the last three financial

years i.e. 2014-15, 2015-16& 2016-17. A copy of last three financial

years relevant audited financial statements should be submitted with the

offer.

Audited Balance Sheet &

Profit & Loss statement

for last three year.

3 The Bidder must be a POS OEM or a reseller or an Indian Subsidiary of

the OEM/sole selling reseller. In case the bidder is a Sole-Selling

Reseller, the OEM will have to undertake that the sole selling reseller

will remain as a reseller throughout the warranty and support period

Relevant document to be

submitted

4 Bidder should have experience in deliver/implement the Micro ATM for

minimum of 10 banks of nationalized/ Private/ RRBs/ Cooperative

Banks.

PO copies to be submitted

5 The proposed devices shall be of integrated form factor. Product details

6 The Bidders are to ensure that the Biometric components integrated or

supplied under this RFP are compliant to the UIDAI standards and

certified by STQC. (Furnish STQC certificate)


submitted

7 The biometric component used in an integrated device or proposed

separately must have supply antecedents in the Indian Market.

a. The said supplies should have been to the tune of a

minimum 5000 devices in the last 3 years. The bids

should contain documentary evidence to this effect.

b. Should have executed/ fulfilled at least one supply order

of minimum 5,000 devices in a single order.

c. The biometric OEM shall undertake to comply to the

UIDAI registered devices policy, and the devices shall


submitted



seamlessly work on the Operating System of the

terminals for the purposes of AEPS, Aadhaar Seeding ,

Aadhaar Pay, etc..

8 The companies or firms, bidding for the above tender, should not have

been black listed by any of Government Authority or Public Sector

Undertaking (PSUs). The bidder shall give an undertaking (on their

letter head) that they have not been black listed by any of the Govt.

Authority or PSUs, as on date of submission of the tender, otherwise the

bid will not be considered.

Undertaking from bidder

stating that they have not

been blacklisted by

authorities.



4. Scope of Work:

1. Bidder should implement the end-to-end Financial Inclusion Solution at Bank location. End-to-

End Financial Inclusion Solution implementation (Client device & application, FI Transaction

Gateway system, Enrolment & Account Opening system, eKYC, transactions, BC Management,

online dashboard & MIS reports, AEPS & Rupay along with other Card transaction, HSM supply

and integration) and supply, installation and maintenance of MicroATM devices.

2. Bidder should integrate the End-to-End FI Gateway Solution with Bank’s Core Banking Solution

(CBS), ATM Switch, MIS IMPS server and any other services (if required) as well as with NPCI

/ UIDAI and/or any other Govt. organization as required by Bank. Bidder should also extend

necessary compatibility support in the end-to-end Financial Inclusion Solution for any version

upgradation of the above entities.

3. Bidder has to ensure that the MICRO ATM, application software functionalities and any other

components, equipments, peripherals involved in implementation of the solution must meet the

current guidelines and also to ensure future guidelines & or standards issued by IDRBT, UIDAI,

RBI, IBA, and should meet Micro ATM 1.5.1.

4. Bidder has to ensure that the Old MICRO ATM already running in JSCB shall also be integrated

with the new FI gateway system, application software for old MICROATM shall also be

maintained, developed if required shall be done without any cost.

5. Bidder has to also ensure that any upgrade / patches in terminal application and FI gateway or any

other hardware or software shall be done without any cost during the warranty period.

6. Bidder needs to upgrade the solutions or terminal / MicroATM application as per bank’s

requirement.

7. Any third party produces like insurance, mobile recharge, electricity bill payment, etc.

functionality to be added in the terminal and FI gateway.

8. Bidder shall do third party applications development, management, upgradation, etc.

9. All other third party application shall work with the same MicroATM terminal along with

financial application.

10. Bidder to ensure that the MICRO ATMs devices must be compatible with the own and if required

other FI gateway applications.

11. Micro ATM machines should be all-in-one integrated device (STQC Citified Biometric Scanner

+ Extractor (STQC Citified) + Magstripe reader + PCI-PED for POS + EMV compliance)

12. Device should be PCI-PTS v3.0 or higher with approval class as PED certified and EMV level 1

and 2 certified.

13. The MICRO ATM software should be on a scalable architecture.

14. Technology standards will have to meet specific minimum requirements of State Government,



GOI, recommendations of RBI etc if any.

15. Vendor shall abide by the checks and controls specified by the Bank.

16. Proposed Financial Inclusion Solution should have switching capability for processing & routing

transactions initiated at Client device to CBS, IMPS server, ATM switch and NPCI / UIDAI.

17. Bidder should supply, install/ configure and maintain all the required technology and

maintenance and operational support for the end-to-end Financial Inclusion Gateway Solution as

per requirement of Bank, at Bank’s Data Centre (DC) / Disaster Recovery (DR) locations.

18. Bidder has to train JSCB technical team to manage, maintain, upgrade FI gateway and Terminal /

MicroATM applications.

19. Bidder should specify various infrastructure requirements, which need to be provided by Bank for

commissioning and smooth functioning of the equipments. This will include site requirements,

power, ports, environmental conditions, etc.,

20. Bidder should provide warranty of 1 year for software, without any extra cost to the bank. Bidder

has to carryout patch management activity during the warranty / AMC period as per Bank's

requirement.

21. Bidder should be ready to do any/ required customization of the FI Gateway, MicroATM

application and any other application inclusive of reports / Dashboard / MIS has to be carried out

during warranty without any cost and after warranty in AMC/ ATS period, at mutual agreed cost

and a re-testing of the solution should be done before implementation.

22. Bidder has to maintain patches and upgrades for FI Gateway and Client application at centralized

location so that the same can be pushed to the client devices over air through remote terminal

management. The Bank intends to procure a TMS / Terminal Management system - which will

manage the terminals remotely for software updates /OTA and perform system Health Checks;

the bidder must be capable of providing a TMS along with the proposed device. A brief write up

of the TMS shall be included for the purpose of evaluation; the said TMS shall at the least be

capable of patch updates; remote key updation.

23. Proposed solution should be capable of handling Inter-Bank on-line transactions using Aadhaar

enabled transactions and RuPay card transactions. The solution should be capable of meeting to

NPCI/UIDAI standards for PIN based RuPay card specification and NPCI/ UIDAI standards for

Aadhaar Enabled Payment System (AEPS).

24. Reconciliation reports for day to day reconciliation of interbank transactions (AEPS, IMPS, PIN

based RuPay card) as required by Bank, should be made available by bidder as part of solution.

Bank will reconcile based on the report made available.

25. Bidder should ensure that the proposed software applications should meet the current guidelines

& /or standards issued by DFS/ RBI/ IBA/ NPCI/ UIDAI/ IDRBT etc., for implementation of



Financial Inclusion initiatives and should continue to comply with any new initiatives/

amendments/ changes made to these standards by the above referred authorities, at mutual agreed

terms.

26. The bidder has to provide complete Solution Architecture & its functionality documents for the

proposed end-to-end Financial Inclusion Solution including hardware specifications, software

applications details, and process flows for each & every activity and diagrams. Also, Industry

standard complete project documentation should be provided.

27. Bidder should ensure functioning of all application software functionalities and related features

across Client devices. Go live date will be deemed as the date when implementation of FI

solution has been completed and integrated the end to end FI solution with Bank’s Core Banking

Solution (CBS), ATM Switch, MIS, IMPS switch, if required as well as with NPCI/UIDAI and/or

any other Govt. organization as required by Bank.

28. Bidder should enter into agreement with Bank for a minimum period of 3 years from Go Live

date with option of further extension of contract for another 2 years on mutual consent basis,

provided services of the bidder is satisfactory and at Bank’s sole discretion. Bidder has to monitor

the utilization of hardware resources on regular basis and suggest suitable upgrade/ replacement

of hardware if any required to avoid any business loss due to system performance issue.

29. Bidder shall assist the Bank in identifying potential risks in the solution, provide remedy for the

identified risks, develop strategies to measure, monitor and mitigate those risks and implement

new and appropriate controls.

30. Bidder should undertake to provide maintenance support both during warranty and post warranty

period.

2. COST OF BIDDING

The bidder shall bear all the costs associated with the preparation and submission of bid and Bank will in

no case be responsible or liable for these costs regardless of the conduct or outcome of the bidding

process.

3. BIDDING DOCUMENT

The bidder is expected to examine all instructions, forms, terms and conditions and technical

specifications in the Bidding Document. Submission of a bid not responsive to the Bidding

Document in every respect will be at the bidder’s risk and may result in the rejection of its bid without

any further reference to the bidder.

4. LANGUAGE OF BIDS



The bids prepared by the bidder and all correspondence and document relating to the bids exchanged by

the bidder and JSCB, shall be written in English.

5. AUTHENTICATION OF ERASURES/OVERWRITING ETC.

Any inter-lineation, erasures, or overwriting shall be valid only if the person(s) signing the bid initial(s)

them.

6. AMENDMENTS TO BIDDING DOCUMENTS

At any time prior to the last Date and Time for submission of bids, the Bank may, for any reason, modify

the Bidding Document by amendments at the sole discretion of the Bank. All amendments shall be

uploaded on the Bank’s websites (www.jscb.gov.in) and will be binding on all who are interested in

bidding.

In order to provide, prospective bidders, reasonable time to take the amendment if any, into account in

preparing their bid, the Bank may, at its discretion, extend the deadline for submission of bids.

7. BANK’S RIGHT TO ACCEPT OR REJECT ANY BID OR ALL BIDS

The Purchaser reserves the right to accept or reject any bid and annul the bidding process or even reject

all bids at any time prior to award of contract, without thereby incurring any liability to the affected

bidder or bidders or without any obligation to inform the affected bidder or bidders about the grounds for

the purchaser's action. The Purchaser reserves the right to accept or reject any technology proposed by the

vendor The Purchaser reserves the right to select more than one vendor keeping in view its large

requirements.

8. MODIFICATION AND WITHDRAWAL

Bids once submitted will be treated, as final and no further correspondence will be entertained on this. No

bid will be modified after the deadline for submission of bids. No bidder shall be allowed to withdraw the

bid, if bidder happens to be successful bidder.

9. REVELATION OF PRICES

The prices in any form or by any reasons should not be disclosed in the technical or other parts of the bid

except in the commercial bid. Failure to do so will make the bid liable to be rejected.

10. TERMS AND CONDITIONS OF THE BIDDING FIRMS

The bidding firms are not allowed to impose their own terms and conditions to the bid and if submitted

will not be considered as forming part of their bids.



The bidders are advised to clearly specify the deviations, in case terms and conditions of the contract

applicable to this invitation of tender are not acceptable to them. The bidders should also describe clearly

in what respect and up to what extent the equipment and services being offered differ/ deviate from the

specifications laid down in the specifications and requirements.

11. LOCAL CONDITIONS

The bidder must acquaint himself with the local conditions and factors, which may have any effect on the

performance of the contract and / or the cost.

12. CLARIFICATIONS

If deemed necessary JSCB may seek clarifications on any aspect from the bidder. However that would not

entitle the bidder to change or cause any change in the substance of the tender submitted or the price

quoted.

13. BID EARNEST MONEY

Bidders have to submit the Bid Earnest Money of (Rs. 1,00,000/-) for the bid in the form of Pay

Order/Demand Draft payable at Ranchi or BG favouring THE JHARKHAND STATE COOPERATIVE

BANK LTD.,

In case of unsuccessful bidder, EMD will be returned after completion of the bid process (without

interest). For successful bidders the same will be retained by the bank upto the warranty period or three

years from the date of the last purchase order whichever is later as performance bank guarantee.

14. OPENING OF BIDS

All the bids will be opened at the date, time and locations mentioned in RFP (as per tender schedule). The

technical bids will be opened in the presence of representatives of the bidders who choose to attend.

15. PERIOD OF VALIDITY

Bid shall remain valid for one year from the date of bid opening prescribed by the purchaser. A bid valid

for shorter period is liable to be rejected by JSCB as non-responsive.

16. BID CURRENCY

All the prices shall be expressed in Indian Rupees only.

17. DEADLINE FOR SUBMISSION OF BIDS

Bid must be received by the Purchaser at the address specified in Bid Document not later than the

specified date and time as specified in Bid Document. In event of the specified date for submission of



bids being declared a holiday for the Purchaser, the bids will be received up to appointed time on next

working day.

The purchaser may, at its discretion, extend this deadline for submission of bids by amending the

bid documents in accordance to clause “AMENDMENTS TO BIDDING DOCUMENTS”, in which

case all rights and obligations of the purchaser and bidders previously subject to the deadline will

thereafter be subject to the deadline as extended.

18. LATE BIDS

Any bid received by the Purchaser after the deadline for submission of bid will be rejected and/or

returned unopened to the Bidder.

19. BIDDING PROCESS (TWO STAGES)

For the purpose of the present job, a two-stage bidding process will be followed. The response to the

RFP will be submitted in two parts:

Technical bid Part I

Commercial bid Part II

For the purpose of the above scope of work, a two-stage bidding process will be followed. The response

to the present tender will be submitted in two parts, Technical Bid and Commercial Bid. The bidders will

have to submit the technical bid and commercial bid in physical.

The bidder will have to submit the Technical Bid in sealed envelopes , duly super scribing “Procurement

of Micro ATM Terminal devices for Financial Inclusion in JSCB” and “TECHNICAL BID”.

TECHNICAL BID will also contain all the documents mentioned under Annexure-XII. All the Annexure

should be duly signed and sealed.

TECHNICAL BID will NOT contain any pricing or commercial information at all. Technical bid

documents with any commercial information will be rejected.

In the first stage, only TECHNICAL BIDs will be opened and evaluated. Only those bidders satisfying

the technical requirements as determined by the Bank and accepting the terms and conditions of this

document shall be short-listed.

All pages of the bid except amendable printed literature shall be initiated by the person(s) signing the Bid.

The bid shall contain no interlineations, erasures or over writing except as necessary to correct errors

made by the Bidder, in which case such corrections shall be duly confirmed under signature/initials of the

person(s) signing the bid.



In the second stage, the COMMERCIAL BID of only those bidders, whose technical bids are short listed,

will be opened.

Prices quoted by the bidder must be all inclusive, firm and final and shall not be subject to any escalation

whatsoever during the period of the contract. Any revision of the prices of any of the equipment or

services, during the period of contract shall be discussed and negotiated between the selected vendor and

the Bank. Prices should include all taxes, statutory levies except Sales tax/service tax/VAT/Octroi/Entry

tax on the final finished supplies tendered for. Octroi/Entry tax, if any payable, will be paid to the bidder

on actual, on production of original receipt.

Prices should be shown separately for each item of equipment, services and other aspects as detailed in

the bid documents. Tenders not containing item wise prices are liable to be rejected. The prices quoted

should also include all rights (if any) of patent, registered design or trademark and intellectual proprietary

rights and the bidder shall indemnify JSCB against all claims in respect of the same.

Bidders are advised to go through payment terms as mentioned in General Terms and Conditions.

20. SUBMISSION OF BIDS.

20.1 All the Technical supporting documents should be submitted manually before the final date & time

of bid submission at the following address. Bank will not be responsible for any postal delay

The Chief Executive Officer

The Jharkhand State Cooperative Bank Ltd.,

Ranchi.

21. CONTENTS OF DOCUMENTS TO BE SUBMITTED

Documents required in Technical Bid (Sealed Cover)

1. Check List as per Annexure XII

2. Supporting documents in respect of eligibility criteria.

3. Bidders Information as per Annexure VIII

4. Acceptance of the General terms and conditions as contained in Annexure-I including scope of work

Annexure II

5. Acceptance of Compliance Statement-Annexure VI.

6. Document indicating the feature of the product.

7. ISO Certification/ STQC certification/other relevant certifications, if any.

8. Audited balance sheet and profit & loss account statement for 2014-15, 2015-16 & 2016-17. For the

year 2016-17 bidder may submit final CA certified provisional balance sheet in case audit is pending,

but has to submit the audited certificate as and when required by Bank.

9. Bid Earnest Money in the form of Demand Draft/Bank Guarantee. Please mention the tender name

with year and company name at the back of DD/Pay order.



10. Service Support set up details as per Annexure IX.

11. Letter of Authorization for granting the person the right to sign the bid and binding the bidder as the

constituted attorney of the company. Annexure VII

12. Additional Functionalities as per Annexure V

13. Signed copy of the RFP document (each page signed with seal).

22. PRELIMINARY EXAMINATION

The bids will be examined by JSCB to determine whether they are complete, contain any computational

errors, whether required bid security has been furnished, etc. and whether the bids are generally in order.

Bids from agents without proper authorization from the manufacture will not be accepted. Arithmetical

errors will be rectified on the following basis. If there is a discrepancy between the unit price and the total

price that is obtained by multiplying the unit price and quantities, the unit price shall prevail and total

price shall be corrected. If the bidder does not accept the correction of the errors, his bid will be rejected.

If there is a discrepancy between words and figures, the amount in words will prevail.

A bid determined as not substantially responsive will be rejected by JSCB and may not subsequently

be made responsive by the bidder by correction of non conformity. JSCB may, at its discretion waive any

minor non conformity or irregularity in a bid which does not constitute a material deviation, provided

such waiver does not prejudice or affect the relative ranking of any bidder.

23. EVALUATION AND AWARD CRITERIA

After opening of the technical bids, all the documents and annexure (except commercial documents/offer)

will be evaluated first by the bank.

JSCB will determine to its satisfaction whether the bidder selected as having submitted the best evaluated

responsive bid is qualified to satisfactorily perform the contract. The decision of JSCB will be final in this

regard.

The determination will take into account bidder’s financial, technical and support capabilities, based on

an examination of documentary evidence submitted by bidders.

Technical Evaluation:

a) Bank will examine the bids to determine whether they are complete, whether required

information have been provided as underlined in the bid document, whether the documents have

been properly signed, and whether bid documents are generally in order.

b) Compliance to Bidders‟ Qualification Criteria stipulated in Annexure A of the RFP.

c) Compliance to Technical Requirement stipulated in the “Hardware Specifications for MICRO

ATM/device”,duly supported by documentary evidence will be evaluated in detail.

d) Review of written reply, if any, submitted in response to the clarification sought by the Bank



e) Technical skill set available, availability of customer support personnel etc., would be

considered.

f) Bank may interact with the Customer references submitted by bidder, if required.

g) Bidders may be called to make presentation of the product offered by them as per the schedule

decided by JSCB.

The MICRO ATMs will be used as field devices both in online modes and offline modes and supporting

smart card based solution. The MICRO ATMs should be compatible with Bank’s FI Gateway Solutions

and shall be able to host and run bank’s owned customer enrolment application and transaction

application.

AUTHORITY IN SIGNING TENDER DOCUMENTS

a) The tender, if submitted on behalf of a Partnership Firm should be signed either by all the

partners or some of the partners or other person/s holding a valid “Power of Attorney” from other

partners or all the partners constituting the firm. Such Power of Attorney shall be submitted in

original.

b) In case of a Company, the tender should be signed by a person holding a valid Power of Attorney

executed in his favour in accordance with the constitution of the Company.

BIDDER TO INFORM HIMSELF FULLY

a) The Bidder is expected to examine carefully the contents of all the documents provided like

instructions to the Bidders, General Conditions, Scope of work etc. Failure to comply with the

requirements of the tender will be at the Bidders own risk. The Bidder to ensure to make a

complete and careful examination of requirements and other information set out in the tender

document. The Bidder shall be deemed to have, visited the site and surroundings and have

obtained all necessary information in all the matters whatsoever that might influence while

carrying out the Works as per the conditions of the tender and to satisfy himself to sufficiency of

his tender etc.

b) The Bidder is advised to acquaint himself with the job involved at the site, like communication

facilities, laws and bye laws in force from Government of Karnataka and Govt. of India and any

other Statutory bodies as well as CISF regulation for the issue of passes and collect all

information that may be necessary for preparing and submitting the tender and entering into

Contract with bank.



c) Bidder shall bear all costs associated with the preparation and submission of his tender and bank

will in no case be responsible or liable for these costs, regardless of the conduct or outcome of the

tendering process.

EARNEST MONEY DEPOSIT (EMD)

2. Earnest money in the form of Bank Draft for Rs. 1,00,000/- (Rs. One Lacs only)from any

Nationalized/Scheduled Bank drawn in favour of JSCB in the form of DD / BG thereof should be

attached along with the tender bid.

3. Tender not accompanied with prescribed earnest money deposit receipt will be rejected.

4. The EMD of the unsuccessful Bidder shall be refunded after final acceptance of the tender and within

reasonable time not exceeding six months from the date of opening of the tender. The EMD will carry

no interest.

5. EMD retention period 6 months. EMD will be refund after submission of Contract Performance

Guarantee.

6. The EMD will be forfeited if a Bidder withdraws his offer before finalization of the tender.

7. The EMD of the successful Bidder shall also be forfeited if the Bidder fails to sign the prescribed

agreement within the specified period.

The benefits of Exemption of EMD is for the MSME certified company.

TENDER VALIDITY:

The tender shall remain valid for acceptance for a period of 180 days from the date of opening of

Technical Bid. BANK reserves the right to extend the period of validity for a specific time. The request

and the response, there to, shall be made in writing by post or by Fax. However, in the event of the Bidder

agreeing to the request, he shall not be permitted to modify his tender.

PRE-BID MEETING:

a) The bidder is invited to attend the pre-bid meeting

b) The purpose of the meeting will be to clarify issues and to answer question on any matter that

may be raised at that stage.

c) The bidder is requested to submit any questions in writing by mail.

d) Minutes of the meeting, including the text of the questions raised (without identifying the source

of enquiry) and the responses given will be transmitted without delay to all Bidders and also

published in BANK. Any modification of the bidding documents which may become necessary



as a result of the pre-bid meeting shall be made by the BANK exclusively through the issue of

an Addendum and not through the minutes of the pre-bid meeting.

e) Non - attendance at the pre - bid meeting will not be a cause for disqualification of a Bidder. But

the Bidder will be disqualified who is not making site Survey.



TENDER OPENING AND EVALUATION

Evaluation Matrix

S. No. Criteria % of

Marks

Max.

Marks

1

Size of the Company: The bidder's average annual turnover in the last three

consecutive financial years i.e. 2014–15, 2015–16 and 2016–17.

10 - 75 Crores to 200 Crores 50%

- More than 200 Crores 100%

2

Service Capability: The bidder must have at least 50 sites providing

technical support engineers, trained to support the POS supplied under this

RFP as on the date of publication of this RFP. In case the technical support

is outsourced, the details of the personnel deployed by the outsourced

agency and its personnel has to be submitted

10

- 50 locations 50%

50 to 100 locations 75%

- More than 100 locations 100%

3

Bidder’s Experience: The biometric component used in an integrated

device / proposed separately must have supply antecedents’ in the in the

Indian Market.

The said supplies should have been to the tune of a minimum 5,000 in the

last 3 years.

10

- Manufacturing & supply of 5000 to 10000 devices 50%

- Manufacturing & supply of more than 10000 devices 100%

4

Technical capability: The device should be an integrated POS (single form

factor) – Pin pad/MSR/EMV/Biometry/SIM/Screen all in a single integrated

device.

40

- Yes 100%

- No 0%

5

Technical capability: The biometric module of the device should be

capable of Firm Ware Level Encryption

10 - Yes 100%

- No 00%

6 POS’ experience in the EMV/Rupay transaction: The manufacturer’s

similar POS device should have been supplied in the Merchant business of

20



Indian Banks for carrying out Magstripe+Pin, EMV &Rupay based

transaction & should be in operation for minimum last 3 financial years

- Yes 100%

- No 00%

Total Marks 100

Commercial Evaluation:

Overall Evaluation Marks: The combined marks of both the technical and financial proposals

as per Weight age stated will determine the final, overall attained marks. Based on the total marks

obtained, the following is the methodology for calculating the total marks.

S = (C_low / C) * 0.3 + (T / T_high)* 0.7

Final Marks (F) = 100 * S

C_low: Lowest Price quoted

C: Bid Price as quoted by the bidder

T-high: Highest Technical Score Obtained

T Technical: Technical Score obtained by the bidder

The Bidder scoring the maximum final Marks (F) shall be declared as the successful Bidder.

25. CONTACTING JSCB OR PUTTING OUTSIDE INFLUENCE

Bidders are forbidden to contact JSCB or its Consultants on any matter relating to this bid from the time

of submission of commercial bid to the time the contract is awarded. Any effort on the part of the bidder

to influence bid evaluation process, or contract award decision may result in the rejection of the bid.

26. CANCELLATION OF BID/ BIDDING PROCESS

JSCB reserves the right to accept or reject any bid and annul the bidding process and reject all bids at any

time prior to award of contract, without thereby incurring any liability to the affected bidder or bidders or

any obligation to inform the affected bidder or bidders of the ground for its action.

27. SIGNING OF CONTRACT

The successful bidder(s) shall be required to enter into a rate contract with JSCB, within 30 days of

declaration of F-1 vendor.



Annexure I

1. GENERAL TERMS AND CONDITIONS

1. ACCEPTANCE OF ORDER

The bidder shall give acceptance within 7 days from the date of order. However, Bank has a right to

cancel the order, if the same is not accepted within the stipulated period from the date of the order.

2. DELIVERY PERIOD

The solution should be delivered within 8 weeks from date of placing the Purchase Order.

3. TAXES

The Unit Cost should be inclusive of all Taxes, statutory levies except Sales tax/service

tax/VAT/Octroi/Entry tax. Octroi/Entry tax, if any payable, will be paid to the bidder on actual on

production of original receipt.

4. PAYMENT

Payment will be made as per the following schedule: -

1. 80% of the total order amount against supply within 30 days of delivery.

2. 10 % of the total order amount against successful installation at site or within 60 days from

the date of supply (whichever is earlier).

3. 10% after expiry of warranty period or against submission of performance bank guarantee of

equal amount valid up to end of warranty period

In case of delayed delivery or incorrect delivery or partial delivery, then date of receipt of the correct

and final component shall be treated as delivery date for penalty and other calculation.

5. WARRANTY

The MICRO ATM should have a warranty of one years which shall be applicable from the date of

installation of MICRO ATMs. In case warranty period is beyond the expiry date of performance bank

guarantee, the performance bank guarantee should be suitably extended to cover the warranty

6. ANNUAL MAINTENANCE CONTRACT (AMC)

For terminals, Vendor should undertake to provide maintenance support to equipment and arrange

for spare parts for a minimum period of 3 years (1 Years Warranty + 2 Years AMC). Comprehensive

annual maintenance contract has to be entered separately with the bank, for this purpose.

The bidder shall provide support services for 7x24 hrs with 24 hrs response time unless specified



otherwise and also have to execute Master AMC Agreement with the Purchaser without any

exception. In case of repair or replacement of any part of the equipment, Bank will pay on the basis

of actual cost.

7. INSURANCE

The Handheld terminals supplied under the contract shall be fully insured till delivery at designated

places by the bidder against loss or damage incidental to manufacture or acquisition, transportation,

storage and delivery. Bank will not be responsible for any loss to bidder on account of non-insurance to

any equipment or services

8. GOVERNING LAWS AND DISPUTES

All disputes or differences whatsoever arising between the parties out of or in relation to the construction,

meaning and operation or effect of these Tender Documents or breach thereof shall be settled amicably.

If, however, the parties are not able to solve them amicably, the same shall be settled by arbitration in

accordance with the applicable Indian Laws, and the award made in pursuance thereof shall be binding on

the parties. The Arbitrator/Arbitrators shall give a reasoned award. Any appeal will be subject to the

exclusive jurisdiction of courts at Ranchi.

The vendor shall continue work under the Contract during the arbitration proceedings unless otherwise

directed in writing by the Bank or unless the matter is such that the work cannot possibly be continued

until the decision of the arbitrator or the umpire, as the case may be, is obtained.

The venue of the arbitration shall be Ranchi. The scope for arbitration is available only for successful

bidders.

9. LIQUIDATED DAMAGES

If supplier fails to deliver any or all goods or perform services within stipulated time schedule, the

purchaser shall, without prejudice to its other remedies under the rate contract, deduct from the ordered

price, as liquidated damages, a sum equivalent to 1% of the order value for each week of delay subject to

the maximum of 10%. The penalty will be charged on order value for the items for which delivery is

delayed.

10. USE OF CONTRACT DOCUMENTS AND INFORMATION

The supplier shall not, without the Bank’s prior written consent, make use of any document or

information provided by Purchaser in Bid document or otherwise except for purposes of performing

contract.



11. PATENT RIGHTS

The supplier shall indemnify the Purchaser against all third party claims of infringement of patent,

trademark or industrial design rights arising from use of the Goods, or any part thereof in India.

The supplier shall, at their own expense, defend and indemnify the Bank against all third

party claims or infringement of intellectual Property Right, including Patent, trademark,

copyright, trade secret or industrial design rights arising from use of the products or any part

thereof in India or abroad.

The supplier shall expeditiously extinguish any such claims and shall have full rights to

defend it there from. If the Bank is required to pay compensation to a third party resulting

from such infringement, the supplier shall be fully responsible therefore, including all

expenses and court and legal fees.

The Bank will give notice to the Supplier of any such claim without delay, provide

reasonable assistance to the Supplier in disposing of the claim, and shall at no time admit to

any liability for or express any intent to settle the claim.

The Supplier shall grant to the bank a fully paid-up, irrevocable, non-exclusive license

throughout the territory of India or abroad to access, replicate and use software (and other

software items) provided by the supplier, including-all inventions, designs and marks

embodied therein in perpetuity.

12. ASSIGNMENT

The supplier shall not assign, in whole or in part, its obligations to perform under the contract, except

with the Purchaser’s prior written consent. Bank will split the order for MICRO ATMs among the two

successful bidders in the ration 60:40.

Bank reserves the right to award contract to more than one bidder, if the bank so desires.

13. PREDISPATCH INSPECTION

Bank shall be free to carry out pre-dispatch inspection as and when required by the Bank. The bidder shall

make all necessary arrangement for this purpose. Bank will also conduct the random acceptance testing of

select MICRO ATMs and peripherals etc. to ascertain their configuration and quality.

14. DELAYS IN THE SUPPLIER’S PERFORMANCE

Delivery of the goods and performance of the Services shall be made by the supplier in accordance with

the time schedule specified by purchaser. Any delay in performing the obligation by the supplier will

result in imposition of liquidated damages and/or termination of rate contract for default.



15. CONTRACT BETWEEN BANK AND SHORTLISTED BIDDER

The shortlist bidder shall be required to execute Agreement cum SLA (Service Level Agreement) and

NDA (Non Disclosure Agreement) with the Bank.

16. TERMINATION OF CONTRACT

The quality of services given by the bidder will be reviewed every six months and if the services are not

found satisfactory, the Bank reserves the right to cancel the rate contract by giving one month notice to

the bidder. The decision of the Bank regarding quality of services shall be final and binding on the bidder.

Other conditions:

1. The entire activity under this facility would be guided by and conform to guidelines of JSCB,

government agencies, legal provisions etc if any.

2. No right to employment in the Bank shall accrue or arise, at any point of time under this project to

any of the bidder or its personnel or agents.

3. In the event of exit of the Vendor from the project, all the records & confidential information as

would be required by the bank shall be handed over to the bank in form (as prescribed by the

Bank at the time of exit).



Annexure II

2. ADDITIONAL SCOPE OF WORK

The successful bidder will be responsible for apart from Scope of work:-

a) Supply, Installation, Configuration and Maintenance of MICRO ATMs and as per technical

specifications.

b) The MICRO ATMs should be provided along with required software applications related to the same.

c) Bidder has to ensure that the MICRO ATM, application software functionalities and any other

components, equipments, peripherals involved in implementation of the solution should meet the

current guidelines & or standards issued by IDRBT, UIDAI, RBI, IBA, and should meet Micro ATM

1.5..1

d) Bidder to ensure that the MICRO ATMs devices should be compatible with the bank’s FI gateway

applications.

e) Micro ATM machines should be all-in-one integrated device (Biometric Scanner (STQC Citified) +

Extractor (STQC Citified) + Magstripe reader + PCI-PED for POS + EMV compliance)

f) Device should be PCI-PTS v3.0 or higher with approval class as PED certified and EMV level 1 and 2

certified.

g) The MICRO ATM software should be on a scalable architecture.

h) Technology standards will have to meet specific minimum requirements of State Government, GOI,

recommendations of RBI etc if any.

i) Vendor shall abide by the checks and controls specified by the Bank / RBI.

l) Vendor will take due care of the support infrastructure so as not to cause disruptions to services to the

customers. The vendor should either repair defective MICRO ATM or any part or replace within 48

hours from the day he receives such MICRO ATM. The vendor has to maintain a buffer stock of 5%

of the total purchased MICRO ATMs free of cost at bank’s head office and Circle Offices so that

replacement of the defective MICRO ATM can be done immediately to meet the emergent

requirements in the field and to continue the bank’s business.

m) Vendor has to build support centers at each location having min 50 or more MICRO ATM

installations/ in use. The bidder/OEM should be having/ establish support offices/ Support Centers/

Support 50 locations. Locations with necessary support infrastructure for maintenance of MICRO

ATMs and Peripherals items at bank’s Head Office and Circe Office locations including state capitals.

n) Vendor will be required to provide the verified credentials of each and every person deployed in the

project.

o) Selected vendor will be responsible for managing the actions and activities of its personnel or the

personnel of its subcontractors, etc involved in the project and will be accountable for all the

personnel deployed/engaged in the project.

p) Vendor will be responsible to deliver MICRO ATMs to the locations specified by the Bank. Bank will



not bear the cost of delivery of MICRO ATMs and other components .

q) All the related activities related to maintenance of the MICRO ATM will be done by selected vendor.

r) MICRO ATM should be delivered with necessary literature and technical specifications.

s) The bank may provide the transaction application to the bidder at a central location for pre

configuration of MICRO ATM. The bidder will deliver the MICRO ATMs with bank’s applications

and other utilities, if any , preloaded ex-factory. Subsequently these may be taken care at bank’s head

offices and circle office locations by the bidder.

t) Patches and upgrades

o For MICRO ATM and its system software the bidder has to manage the relevant patches.

o Additionally the bidder has to provide the system software patches to the bank’s central FI

gateway server so that the same can be pushed to the MICRO ATMs connected to FI gateway

server.

Other Conditions:

a) The entire activity under this facility would be guided by and conform to guidelines of JSCB, Reserve

Bank of India, UIDAI, IBA, NPCI, State and Central Governments, legal provisions etc. if any issued

from time to time.

b) End-to-end solution (inclusive of technology and support services) would be outsourced to one or more

eligible Vendor initially or for a defined period as decided by the Bank as per terms mentioned in the

RFP.

c) No right to employment in the Bank shall accrue or arise, at any point of time under this project to any

of the bidder or its personnel or agents.

d) In the event of exit of the Vendor from the project, all the records & confidential information as would

be required by the bank shall be handed over to the bank in form (as prescribed by the Bank at the

time of exit).

e) Bank reserves the right to change the Vendor with one month’s notice to the concerned person.

f) A detailed agreement with SLA (service level agreement) will be done with the vendorspecifying roles

and responsibilities. This will include Non-Disclosure clauses also.

g) The bidder also has to provide the adequate no of connectors/convectors and extension cables for the

devices.



3. Hardware Specifications for MICRO ATM/POS device:

The Micro ATM Devices (POS Machines) should be a single integrated product. Device should be strictly according to

the Micro ATM standards 1.5.1 & the biometric sensor should be STQC certified.

Component Minimum Requirement

Biometric

scanner

All Micro ATM devices should use the STQC certified Scanner+ Extractor to meet the

technical specifications as defined by UIDAI. (Level 0 Registered device)

Connectivity The device must provide for two channels (of service provider’s choice) of network

connectivity. (No external dongle to be used)

Security 2048-bit PKI, 256-bit AES, Base64, SHA-256 for full compliance with Aadhaar

Authentication API specifications (9).

Non-volatile

storage Must be capable of storing audit trails of at least 1000 transactions.

Display

Color Display readable under sunlight. Must be capable of displaying last 10

transactions without scrolling horizontally. Each transaction must display at least the

date, type, and amount.

Printer

Must be able to print out transaction status and a mini-statement of at least the last 10

transactions. Receipts and other printed items must be legible for at least two months

from the date of printing.

Battery Rechargeable battery, with minimum 8 hours battery life.

Power

Adaptor AC/DC Adaptor with surge protection.

Environment Operating temp: 0°C to 50°C.

Storage not including battery: 0°C to 55°C.

Magstripe

reader

and PIN pad

As per specifications in Section 4.3 (2) (3). The payment application on

MicroATMs for processing card and PIN transactions should be certified with

PA-DSS certification.

The payment application on Micro ATMs for processing card and PIN transactions

should be certified with PA-DSS certification (2) (3)..

Component Specifications

Magstripe reader ISO triple-track 1/2/3, bi- directional, high-Coercivity

Security

1. 3DES encryption

2. TMK/TPK support with all keys remote download capability

3. UKPT/ DUKPT capability

PCI- PED for POS PCI (Payment Card Industry) PED (Pin Entry Device)

for POS PCI PTS 3.1 or above



Speaker A facility should be provided for voice confirmation of the transaction.

Location

The terminal should have the capability to communicate its location (Industry

standard 16 channel NMEA Compliant GPS support or Cell Tower Location or any

other dynamic method for approximate Lat-Long location)

EMV

capability

EMV Level 1 and Level 2 certification

*The bidder shall be required to submit documentary proof of all requisite certifications for proposed POS device.

Warrantee and Tech

Support period

1 year warranty after commissioning and successful UAT

2 years Post warranty Support / AMC

The Bidder will also provide a guaranty that all the major functions (Secured OS, Connectivity options, Interfaces,

Security features and Terminal Management System shall be performing all the times)

Bio-Metric Scanner Specification - S.N

o Parameters Specifications

1

Fingerprint template Compliance for minutiae

data ISO 19794(2)

2

Fingerprint template Compliance for image

resolution ISO 19794(4)

3 Scan resolution pixels/centimetre (ppcm) 197ppcm

4 Scan resolution pixels/inch (ppi) 500

5 Pixel depth (bits) 8bit

6 Dynamic range (gray levels) 256 levels

7 Certification FBI -PIV

8 Impression type Optical Platten

9 Visual Indicator Ready to capture/ Captured

10 Light source dependability No

11 High Resistance

To shock, abrasion and water. Minimum IP 54

rating.

12 Algorithm should include

Image Quality Determination and Feature

Generalization

13 Encryption of fingerprint template Using unique foreign key

14 USB connectivity Yes

15 USB Types

USB 2.0 Standard Interface and Micro USB

interface

16 Capture mode Plain live scan capture

17 Capture mode

Auto capture with built-in quality check

(incorporates NIST quality considerations)

18 Power Through USB



19 Software API

Interface API and Data Dictionary to be shared with

the bank and documentation to enable seamless

integration with CBS or any other system.

20 Sensor Type Optical –CMOS Sensor

21 Ambient Light

Ambient light rejection : no external light-source

dependability

22 Latent Images Latent fingerprint rejection

23 Capture Type Auto capture

24

Firmware Level Encryption / Onboard template

encryption

The device should be capable of performing

firmware level encryption of captured biometric

data (image and biometric template) before it leaves

the device; this is critical to prevent MIM (Man in

middle attack)

25 Fake/counterfeit fingerprint

The biometric devices should be able to reject

fake/counterfeit fingerprint including those made

with latex, Plasticine, Paper, Rubber.

26 Aadhaar registered Devices

Devices should be Level 0 compliant to Aadhaar

register device concept

27 Template extractor

Minex compliant, STQC certified sensor+extractor

combination

28 Supported Operating System

Linux ( RedHat 6.0),

Windows7 , Windows 8 (Both 32bit and 64bit)

29 STQC Certification Valid STQC Certification

30 Extractor & Image Template Standard

ISO 19794‐2 for fingerprint minutiae template And

ISO 19794‐4 for Fingerprint Image Template

31 FRR <2%

4. Application Software on the Micro ATM

1. Micro ATM device application

Micro ATM application installed on the micro ATM devices is used by Banks employees / business

correspondents of the bank to provide financial inclusion services to Bank’s customers. Following are the major

type of transactions should be performed application

AEPS Transactions through this

The Terminal should perform AEPS which allows online financial inclusion transaction at POS (Micro

ATM) through the user of any bank using the Aadhaar authentication. The Micro ATM should be capable

of performing the following banking transactions:-

o Cash deposit

o Cash withdrawal

o Balance enquiry



o Fund Transfer

o Aadhaar based fund transfer

o Mini Statement

Card Transactions

o Cash withdrawal

o Balance enquiry

o Fund Transfer (only ONUS)

o Cash deposit(only ONUS)

o Mini-statement (only ONUS)

EKYC account opening

Aadhaar Seeding

Mobile number seeding

Third part services

Following are the transactions that are required to be performed on micro ATM devices to enable it

perform above transactions.

Key Exchange

Beginning of Day to be taken automatically from CBS

End of Day to be taken automatically from CBS

Operator Login (through Aadhaar authentication) (optional)

2. FI Gateway

Functional Group Category Feature - Available

Customer identification for Account opening/SIM issuance/PDS

Aadhaar e-KYC –Operator

Aadhaar e-KYC using Fingerprint (POS Client)

Display of customer basic details including request eKYC enrolment (POS Client)

Print Receipt (POS Client)

Payments using Aadhaar and Biometric (Fingerprint)

AEPS – Operator

Admin Module: EOD/BOD and URL settings (POS Client)

Withdrawal (POS Client)

Deposit (POS Client)

Fund Transfer (POS Client)

Balance Enquiry (POS Client)

BFD (POS Client)

Reversal (POS Client)




Payments using PIN based magnetic swipe card

Rupay – Operator

Withdrawal and Deposit (POS Client)

Fund Transfer (Onus only) (POS Client)


Mini Statement (Onus only) (POS Client)



Key Exchange: Request and Response (FIG - App)

FI Transactions

Financial Inclusion – Operator

Withdrawal and Deposit (POS Client)

Fund Transfer (Onus only) (POS Client)


Mini Statement (Onus only) (POS Client)



Payments reconciliation (Aadhaar & Card based)

Reconciliation – Operator

Reconciliation for Cards based transaction (POS Client)

Batch transaction upload for AEPS (POS Client)

Customer identification for Account opening

Account opening - Aadhaar e-KYC

Integration with Bank e-KYC link, and POS request, response, and report (FIG - App)

Payments using Aadhaar and Biometric (Fingerprint)

AEPS Interface (For) POS Application

Transaction interface with SWITCH and POS for: (FIG - App)

Deposit: Onus ,Offus,Ronus interface for request, response and reversal (FIG - App)

Withdrawal: Onus ,Offus,Ronus interface for request, response and reversal (FIG - App)

Fund Transfer: Onus ,Offus,Ronus interface for request, response and reversal (FIG - App)

Balance Enquiry : Onus ,Offus,Ronus interface for request and response (FIG - App)

BFD: interface for BFD request, response (FIG - App)

Payments using PIN based Magnetic swipe card

Rupay Interface (For) POS Application

Withdrawal and deposits : Onus ,Offus,Ronus interface for request, response and reversal (FIG - App)

Fund Transfer: Onus interface for request, response and reversal (FIG - App)

Balance Enquiry : Onus ,Offus,Ronus interface for request, response and reversal (FIG - App)

Mini Statement: Onus interface for request, response (FIG - App)

Key Exchange: Request and Response (FIG - App)

BOD ,EOD & Login Setting BOD and EOD -

POS Application Gateway BOD and EOD will be done with the POS (FIG - App)



FI Transactions FI Interface (For) POS Application

Withdrawal and Deposit: Onus ,Offus, Ronus interface for request, response and reversal (FIG - App)

Fund Transfer: Onus interface for request, response and reversal (FIG - App)

Balance Enquiry : Onus ,Offus, Ronus interface for request, response and reversal (FIG - App)

Mini Statement: Onus interface for request, response (FIG - App)

System Configurations

Server Configuration (web interface)

Interface for update configuration like BIN list, transaction limits, time outs, validation configurations(transaction type supported ,merchant hot listing, sever notification…) (FIG - App)

Admin User Management (creation and login)

User Login (web interface) User name and password based login (FIG)

Admin User Management (creation and login)

User Management (web interface)

Manage the deferent roles for server access (FIG - App)

Device Management POS device Management (web interface) Device management(Add, remove, update, link) (FIG

- App)

Business Correspondent Management

BC Management (web interface)

BC management(Add, remove, update, link) (FIG - App)

POS application patch update

Communication channel (web interface) Patch Updation module (FIG - App)

HSM Integration (web interface) Integration of FIG with HSM for key management

functionalities.

5. Annexure – IV

Responsibility Matrix

Facility Activity Description Bank Technology

Service

Provider

MICRO ATMs MICRO ATM related software applications –

Update/ customization in MICRO ATM applications

Integration with other components of the

Bank’s FI gateway solution.



Training to Business Correspondent Agents

Training to bank’s technical team on SDK

MICRO ATM Central Management / Inventory

Management Management tool / software having following

Activities Features

Re-issuing of lost/stolen MICRO ATMs

Information update

MICRO ATM Tracking

Other related MIS



6. ANNEXURE - V

List of Additional Functionalities offered as part of the Solution, without any Additional cost module

wise.

S. Module Functionality

No.



7. ANNEXURE-VI

COMPLIANCE STATEMENT

DECLARATION

We hereby undertake and agree to abide by all the terms and conditions stipulated by the Bank in the RFP

including all annexure(s), addendum(s) and corrigendum(s)

Signature and Seal of Bidder

We certify that the systems/services offered by us for tender conforms to the Technical specifications

stipulated by you with the following deviations

List of deviations

1) 2) 3) 4)

(If left blank it will be construed that there is no deviation from the specifications given above)




8. ANNEXURE-VII

LETTER OF AUTHORIZATION

Chief Executive Officer, THE JHARKHAND STATE COOPERATIVE BANK LTD.

DATE:

DEAR SIR,

WITH REFERENCE TO YOUR TENDER NO __________________; I HEREBY AUTHORIZE

________________ (NAME), ________________ (DESGINATION) TO SIGN THE BID ON BEHALF

OF _______________________.

HIS/HER SIGNATURE IS ATTESTED BELOW.

THANKING YOU. YOURS SINCERELY,

__________________





9. Annexure-VIII

BIDDER’S INFORMATION

Name: Constitution: Address: Names & Addresses of the Partners if applicable Contact Person(s) ______________________________________ Telephone, Fax, e-mail _________________________________

Number of years of experience in implementation and manufacturing of MICRO ATMs devices and MICRO ATM Solution _________

Please give brief financial particulars of your firm for the last 2 financial years along with the volume of business handled. (The information will be kept confidential)

Year 20014-15 2015-16 2016-17

Net Profit

Total Turnover

Is company ISO Certified? If yes, provide information along with true copy of certificate. ________________________________________________

Signature:

Seal of company



10. ANNEXURE- IX

SERVICE SUPPORT DETAILS

Sr. Location Status of No. of

No. Address Office Fax No. Name of Office Maintenance Telephone contact working Engineers Number Person days &

With hours

contact

number


RFP for End-to-End Financial Inclusion Solution

Page 41 of 43

11. ANNEXURE-XI

COMMERCIAL OFFER (per unit)

PART-A: Mandatory Items (Prices in INR)

S No Particulars Make &

Model

Unit cost in

Figure

Unit Cost in word

1 MICRO ATM as per generic

configuration as per annexure – 1

2 Application Software as per the

functionalities mention

3 Annual Maintenance charges after

warranty period of 1 year for Micro ATM

4 Annual Maintenance charges after

warranty period of 1 year for Software

5 Integration charges with FI Gateway

6 Certified HSM for banking

(The quoted price should include All the taxes and transit insurance except VAT, Entry tax)


Page 42 of 43

12. Annexure-XII

Technical Bid

Sl. Documents Submitted in Bid

No.

Soft Copy Physical

Bid

1 Supporting documents in respect of eligibility criteria. x ✓

2 Bidders Information as per format as per Annexure ✓ ✓

VIII

3 Acceptance of the General terms and conditions as x ✓

contained in Annexure-I including scope of work

4 Acceptance of Compliance Statement-Annexure VI ✓ ✓

5 Document indicating the feature of the product. x ✓

6 ISO Certification/ STQC certification/other relevant x ✓

certifications, if any.

7 Audited balance sheet and profit & loss account x ✓

statement for 2014-15, 2015-16 & 2016-17.

8 Bid Earnest Money in the form of Demand Draft/Bank ✓ ✓

Guarantee. Please mention the tender name with year

and company name at the back of DD/Pay order.

9 Service Support set up details as per Annexure IX. ✓ ✓

10 Performance Statement as per Annexure X. ✓ ✓


Page 43 of 43

11 Letter of Authorization for granting the person the right ✓ ✓

to sign the bid and binding the bidder as the

constituted attorney of the company Annexure VII

12 Additional Functionalities as per Annexure V ✓ ✓

13 Signed copy of the RFP document (each page signed x ✓

with seal).