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Home/Services/Azure AI/Banking CRM
Banking CRM Accelerator · Dynamics 365 India

Dynamics 365 CRM Built for
Indian Banks & NBFCs

SchwettmannTech's Banking CRM Accelerator is a pre-built Dynamics 365 solution tailored for Indian retail banks, private sector banks, co-operative banks, NBFCs, and microfinance institutions. 200+ pre-built banking workflows, end-to-end KYC/onboarding automation, loan lifecycle management, RBI audit-ready compliance trails, and AI-powered cross-sell — deployed in 10 weeks.

200+ Pre-built Banking Workflows
RBI & IRDAI Compliance Built-in
KYC Onboarding to 15-minute Approval
10 wks
Accelerator to production
200+
Pre-built banking workflows
15 min
Digital KYC onboarding time
RBI
Audit-ready compliance trail
Banking CRM · Relationship Manager Dashboard
Live
₹284Cr
AUM Managed
↑ +14% YTD
94.2%
KYC Pass Rate
↑ Automated
18 min
Onboarding
↓ 88%
4.8★
RM Satisfaction
↑ +0.9
Digital KYC — Aadhaar+PAN Verified
3,240 onboardings/month · 15 min avg · RBI compliant
Live
Loan Lifecycle — From Lead to Disbursement
Credit score pull · Approval workflow · KYC auto
Processing
Cross-sell AI — Next Best Product
ML scoring · CASA → FD → Insurance · RM alerts
142 Opportunities
RBI Compliance — Audit Trail Active
CRILC data · SMA classification · NPA alerts
Compliant
Cross-sell AI: 142 high-value CASA customers have >80% probability of responding to a Fixed Deposit offer this week based on recent salary credits and account balance patterns. Average ticket size projected: ₹8.4L. RM follow-up campaign ready to launch.
10 wks
Accelerator to Production Timeline
200+
Pre-built Banking Workflows
15 min
Digital KYC Onboarding Time
RBI
Audit-ready Compliance Trail Built-in
Digital KYC OnboardingAadhaar eKYCLoan Lifecycle ManagementCredit Scoring IntegrationRBI CRILC ReportingNPA MonitoringCross-sell AISMA ClassificationRelationship Manager 360CERSAI IntegrationPortfolio AnalyticsCompliance Audit TrailDigital KYC OnboardingAadhaar eKYCLoan Lifecycle ManagementCredit Scoring IntegrationRBI CRILC ReportingNPA MonitoringCross-sell AISMA ClassificationRelationship Manager 360CERSAI IntegrationPortfolio AnalyticsCompliance Audit Trail
Services

Banking CRM Accelerator Modules

Pre-built modules covering the full banking customer lifecycle — from digital onboarding to loan management and regulatory compliance.

Digital KYC & Customer Onboarding
End-to-end digital onboarding: Aadhaar eKYC via UIDAI API, PAN verification via NSDL/UTI, CKYC registry check, video KYC for remote onboarding, FATCA/CRS compliance capture, and automatic D365 customer record creation. Average onboarding time: 15 minutes. RBI Master Direction on Digital KYC 2021 compliant.
Aadhaar eKYC · PAN Verify · CKYC · Video KYC · RBI Compliant
Loan Lifecycle Management
Complete loan CRM from initial enquiry to disbursement: lead capture, credit bureau pulls (CIBIL/Experian/Equifax/CRIF), automated pre-qualification, document collection workflows, credit committee approval routing, sanction letter generation, and post-disbursement monitoring with EMI tracking and delinquency alerts.
Loan CRM · CIBIL Pull · Approval Workflow · Sanction Letter · EMI Tracking
AI Cross-sell & Next Best Product
Azure ML model analyses CASA balance patterns, salary credits, transaction behaviour, and product holdings to identify cross-sell opportunities — recommending FDs, insurance, mutual funds, loans, and credit cards at the right moment. Alerts pushed to Relationship Manager D365 desktop with personalised offer scripts.
Cross-sell ML · Next Best Offer · RM Alerts · CASA Analytics · Product Propensity
Relationship Manager 360
Single D365 view for RMs: customer financial profile, product holdings across all systems, recent transactions, interaction history, upcoming maturities, open service requests, and AI-generated talking points for next interaction. Reduces pre-meeting preparation from 30 minutes to 5.
RM 360 View · Interaction History · Maturities Alert · Meeting Prep AI
RBI Compliance & Regulatory Reporting
Pre-built compliance workflows: CRILC monthly reporting, SMA-0/1/2 classification alerts, NPA provisioning triggers, SARFAESI documentation, and RBI audit trail with 7-year data retention. IRDAI compliance modules for bancassurance regulatory requirements.
CRILC · SMA Classification · NPA Alerts · SARFAESI · RBI Audit Trail
Portfolio Analytics & Risk Dashboard
Power BI portfolio dashboards: loan book composition, sector concentration, vintage analysis, LCR/NSFR ratios, and early warning signal tracking. Branch and RM performance scorecards with target vs actual tracking for deposits, loans, and cross-sell.
Portfolio Analytics · Concentration Risk · EWS · Branch Scorecards · Power BI
Capabilities

Complete Capability Coverage

Our certified team covers every facet of this service — from strategy and implementation to managed operations and continuous optimisation.

Platform

RBI-Ready from Day 1

Every D365 Banking CRM module is designed with RBI guidelines as the foundation — digital KYC, CRILC reporting, SMA classification, and audit trail requirements are built-in, not bolt-on. Reduces regulatory risk from CRM implementation.

  • RBI Digital KYC
  • CRILC Reporting
  • SMA Workflow
  • 7-year Audit Trail
🔗Integration

Core Banking Connectors

Pre-built integration adapters for Finacle, Flexcube, Temenos, BaNCS, and custom CBS platforms — using Azure API Management and real-time event-driven architecture for customer data synchronisation between D365 CRM and your CBS.

  • Finacle Connector
  • Flexcube Templates
  • BaNCS Integration
  • Real-time Sync
AI

Credit & Cross-sell AI

Two AI models pre-trained for Indian banking: (1) Loan pre-qualification scoring using bureau data and application attributes; (2) Cross-sell propensity model identifying next best product per customer based on behaviour patterns.

Channels

Omnichannel Banking CRM

Branch, call centre, web portal, mobile app, and WhatsApp — all service interactions unified in D365. Customer journey continuity regardless of channel chosen.

Reporting

Regulatory Report Factory

Automated generation of RBI statutory returns, CRILC data, and branch-level performance MIS — replacing manual spreadsheet compilation with D365 automated report scheduling.

⚖️Compliance

India BFSI Regulatory Stack

IRDAI compliance for bancassurance, SEBI requirements for wealth management, PMLA AML transaction monitoring alerts, and FATCA/CRS automatic reporting — all included in the Banking CRM Accelerator compliance module suite.

Deployment

10 Weeks to Production

Pre-built solution packages, CBS integration templates, and RBI workflow libraries reduce custom development time by 70% — enabling 10-week deployment vs 12–18 months for a fully custom banking CRM build.

Delivery

Banking CRM Deployment Timeline

10-week accelerated deployment using pre-built banking components and RBI-compliant workflows.

1
Phase 1 — Weeks 1–2
Configuration & CBS Mapping
Configure D365 and map core banking data
Install Banking CRM solution package. Configure customer and product data models for your institution. Map CBS data structures (Finacle, Flexcube, or custom) to D365 entities. Define RBI compliance configuration.
Solution InstallCBS Data MappingRBI ConfigEntity Model
2
Phase 2 — Weeks 2–5
Integration & KYC Setup
Connect CBS and build KYC API integrations
Build CBS integration connectors. Configure Aadhaar eKYC API (UIDAI), PAN verification, CIBIL/bureau integration, and CKYC registry connection. Migrate existing customer data. Test digital onboarding end-to-end.
CBS IntegrationeKYC APIsBureau ConnectData Migration
3
Phase 3 — Weeks 5–7
AI Models & Compliance Reporting
Deploy cross-sell AI and RBI workflows
Train cross-sell propensity model on historical customer data. Configure loan pre-qualification model. Build CRILC, SMA, and NPA reporting workflows. Set up Power BI portfolio analytics suite.
Cross-sell AI TrainingCRILC WorkflowSMA ClassificationPower BI Deploy
4
Phase 4 — Weeks 7–10
UAT, Training & Go-Live
Test, train teams and deploy
UAT covering all loan and onboarding workflows with operations team. RBI compliance review of audit trail and reporting outputs. Branch and contact centre staff training. Production go-live with 30-day hypercare.
UATRBI ReviewStaff TrainingGo-Live
Industries

Banking CRM for Indian BFSI

Built for India's diverse banking landscape — from large private sector banks to small finance banks, NBFCs, and microfinance institutions.

Private Banks · RBI
PSU Banks · Priority
💳NBFCs · IRDAI
🌾Microfinance · MFI
🤝Co-operative Banks
📈Wealth Management
🏢SME Banking
Digital Banks
India BFSI Regulatory Expertise

SchwettmannTech has implemented D365 Banking CRM for 8 Indian financial institutions — private banks, NBFCs, and microfinance organisations. Our team includes ex-banking professionals who understand RBI Master Directions, IRDAI bancassurance regulations, PMLA compliance requirements, and the operational realities of Indian banking — rural banking, multilingual customer base, and branch-centric service delivery models. All deployments use Azure India regions for RBI data residency requirements.

Banking Business Impact

Proven Results: Banking CRM Accelerator Results

Outcomes from SchwettmannTech's D365 Banking CRM deployments across Indian BFSI institutions.

15 min
Digital KYC onboarding time vs 3 days manual process
25%
Increase in cross-sell product per customer after AI recommendations
10 wks
Accelerator deployment vs 12–18 months custom CRM build
100%
RBI CRILC reports filed on time — automated vs 3-day manual compilation
Customer Stories

What Our Clients Say

"SchwettmannTech deployed the Banking CRM Accelerator for our 48-branch NBFC in 11 weeks. Digital KYC now onboards customers in 18 minutes — down from 3 working days. Our RMs have a 360 view of every customer across loans, insurance, and deposits for the first time. Cross-sell revenue increased 22% in the first quarter after the AI recommendation engine went live."

AS
Arun Sharma
Managing Director · NBFC, Mumbai

"CRILC reporting used to consume 2 analysts for 3 days every month — manually pulling data from our CBS and compiling the RBI-mandated format. D365 Banking CRM generates the CRILC data extract automatically on the 25th of each month. We've had zero late submissions in 18 months. The SMA classification alerts have helped our credit team identify stress accounts 2 months earlier than before."

PV
Priya Venkat
Chief Risk Officer · Small Finance Bank, Chennai

"Our Relationship Managers were spending 40 minutes preparing for each customer meeting — pulling data from 6 different systems. D365 Banking CRM gives them a complete customer 360 with AI-suggested talking points in one screen. Meeting preparation time dropped to 5 minutes. Customer retention improved 18% as RMs can now have more meaningful, data-driven conversations."

VN
Vijay Nair
Head of Retail Banking · Private Bank, Bangalore
FAQs

Banking CRM Accelerator FAQs

Planning a D365 Banking CRM? Our BFSI specialists provide free regulatory compliance and integration assessments.

Book Banking CRM Demo
The Accelerator covers the following Indian regulatory requirements: (1) RBI Master Direction on Digital KYC 2021 — Aadhaar eKYC, V-CIP (video KYC), and OTP-based KYC; (2) CRILC (Central Repository of Information on Large Credits) monthly reporting; (3) SMA-0/SMA-1/SMA-2 classification and alerting; (4) SARFAESI Act documentation workflows; (5) PMLA AML transaction monitoring alerts (basic threshold flagging — full AML requires specialist integration); (6) IRDAI Circular on Insurance Selling (bancassurance); (7) RBI Fair Practices Code for lending — complaint register and resolution tracking. Additional regulatory modules can be added for specific institution requirements.
Yes — we have pre-built integration templates for Infosys Finacle (most common in Indian private and PSU banks), Oracle Flexcube, TCS BaNCS, Temenos T24, and custom in-house CBS platforms. The integration architecture uses Azure API Management as a managed gateway with REST/SOAP adapters. Real-time synchronisation handles customer master data, account status, and transaction events. Batch synchronisation handles end-of-day balance updates and loan status. Custom CBS integrations (for in-house or niche platforms) are built during the implementation phase and typically take 3–4 weeks depending on CBS API maturity.
The Aadhaar eKYC integration uses UIDAI's Aadhaar authentication API via an authorised KYC User Agency (KUA) — SchwettmannTech partners with authorised KUAs to provide UIDAI API access within the required regulatory framework. The customer provides their Aadhaar number and OTP; UIDAI returns verified demographic data (name, address, photo, date of birth) which is automatically populated into the D365 customer record. All UIDAI API calls are logged for audit purposes. PAN verification is done via NSDL/UTI APIs. The complete eKYC journey — from ID entry to verified customer record creation — takes under 5 minutes in the D365 customer onboarding module.
Total implementation cost is typically ₹45L–₹85L depending on institution size (branch count, CBS complexity) and module scope. This includes Accelerator licensing, implementation services (10 weeks), CBS integration, eKYC API setup, AI model training on your data, and 90-day hypercare. Microsoft D365 and Azure licensing adds approximately ₹4L–₹10L/month depending on user count and Azure consumption. This compares to ₹2Cr–₹4Cr for a fully custom D365 banking CRM — the Accelerator delivers 55–65% cost savings.
The core Accelerator covers individual and business lending. We have a Microfinance Extension for group lending (Joint Liability Group model), centre meeting management, loan officer mobile app (offline-capable Canvas Power App for rural areas), and collection workflow automation. The MFI Extension adds approximately 3–4 weeks to the implementation timeline and ₹15L–₹25L to the cost. We've implemented the MFI Extension for 3 Indian microfinance institutions operating in rural Maharashtra, Uttar Pradesh, and Tamil Nadu.

Deploy Your Banking CRM in 10 Weeks

Book a free Banking CRM Accelerator demo. We'll demonstrate digital KYC, loan workflow, and cross-sell AI on a sample bank dataset — no commitment required.