• websoftex
  • +91 9886461360
  • +91 9886461360


SACCOS Software, a customized Sacco System for an ideal Saccos management.

SACCOS - Savings and Credit Cooperatives is an organization established by volunteer members with the various objects like, providing fair loan at a reasonable rate of interest, to promote economic interests and welfare of its members, to develop the organization by introducing new products and services and for the growth of its members. Minimum number of 10 members is required to start a Sacco and there is no limit for Maximum Limit. Savings And Credit Cooperatives (SACCOs) are the ones regulated by Sacco Societies Regulatory Authority(SASRA).

Every SACCOs dreams to grow widely by opening many branches so buy a great SACCO Software which works well even when you operate it from many places at a same time, which is capable of storing huge data & keeping backup securely, which comes with separate admin, branch, agent, user panels to keep your work smooth and systematic, Which works without buffering (loading) too much even when lots for peoples working there. And choose a company where you can get a best technical support team with long term response. Websoftex is the place where you’ll get a Multiple Branch, Fast Working, Highly Secured long term worth Sacco Software with free website, free software training and always responding support team.

SACCOS Software is a Complete customised Saccos Management Software to manage all activities of your Saccos. By doing a strong research and analyzing all the aspects and transactions of SACCOs our team has built an robust & highly secured SACCO System which helps you in managing all your branch activities, staff management and customer/clients handling at your fingertip just using a computer and internet.


Web & Mobile Based

TO access our Saccos Software all you need to have a reliable internet connection and a modern web browser.


User Friendly

Saccos Software is very user friendly and the system has a simple graphic user interface and features a logical distribution of functions.


Robust & secure

Saccos Software is a Web based Application, Every operation/ transaction saves to server in real time. secured back up systems.


Cost Effective

Flexible and affordable pricing structure.

Saccos Software Feature Highlight

  • Multi-user Online web based with Multi Branch core Banking application
  • Extremely Functional and user friendly with user drivers operation
  • Attractive and well said reports format
  • Report export facility to various useful formats such as Ms Word. Ms excels. Customized and user defined reports
  • Ace reports can be viewed on the screen and can be printed on printer
  • Membership Management, Operational Accounts, Term Deposits
  • Loans and Advances, Standing Instructions, Cash Transaction
  • Day book and Trial Balance, General Ledger & Financial Statements
  • M.I.S, Initialization and configuration
  • System Administration, Enrollment Fee Report
  • Application Fee Report, Late Fee Report
  • State of the art technology has been used.
  • Modular design with proper integration to ensure trouble-free operations without undue complications.
  • Optimum security of operations which is very essential for financial transactions.
  • Comprehensiveness in coverage - a feature absolutely necessary to meet all requirements.
  • User-friendliness which ensures hassle free usage.
  • High flexibility with expandability and upgradability. The software can be used by all societies and can be easily upgraded/expanded to cover more activities whenever required.
  • Control over operations with in-built checks and balances, authorization procedures, etc.
  • Elimination of scope for tampering of data.
  • The system is designed to work for network environment to access the information & update the data by different users simultaneously.
  • The software is capable of handling huge volumes of transactions without any difficulty.

Powerful Features OF SACCOS SOFTWARE

Membership Management

Enables customer to enroll as Member, Non-Member, Associate Member and Nominal Member and it consists of Enrollment, member assets and liability details


Member Management

Saccos is created for cultivating the habit of savings among its members. This software is capable to managing all kind of Member management activity.

Share Management

Saccos software is capable to managing all kind of Share management activity in Saccos.

Deposit Accounts:

Best SACCOS Software for managing all kind of Deposit Account activity Like

Saving Account

A savings account is an interest-bearing deposit account held at a bank or another financial institution that provides a modest interest rate

Over Draft

An extension of credit from a lending institution when an account reaches zero. An overdraft allows the individual to continue withdrawing money even if the account has no funds.

Cash Credit Account

Cash credit is a type of short term loan provided to companies to fulfill their working capital requirement. Overdraft is a facility given by the bank to companies, to withdraw money "more" than the balance available in their respective accounts.

Term Deposits:

Consists of FD, RD, RICC, Cash Certificate, Pigmy and Thrifts deposits:


Pigmy Deposit

Pigmy Deposit Scheme is a monetary deposit scheme .Money can be deposited into an account on daily basis. The amount may be as small as Rupees five. It can be called a recurring deposit scheme, as the money is deposited almost daily. The unique characteristic of this scheme is that a bank agent collects the money daily, from the account holder's doorstep.


Recurring Deposit

Recurring Deposit is a special kind of Term Deposit offered by banks in India which help people with regular incomes to deposit a fixed amount every month into their Recurring Deposit account and earn interest at the rate applicable to Fixed Deposits


fixed deposit Account

A fixed deposit (FD) is a financial instrument provided by banks which provides investors with a higher rate of interest than a regular savings account, until the given maturity date. It may or may not require the creation of a separate account.

  • Account opening.
  • Deposit Receipt printing.
  • Interest calculation and posting.
  • Closing before maturity (Pre Closure).
  • Closing on maturity.

Monthly Income Scheme (MIS)

Monthly Income Scheme (MIS) is an investment scheme of financial institution service. It promises the investor guaranteed returns per annum in the form of fixed monthly income.

  • Transfer of Term Deposit Interest to SB, RD.
  • Deposits Renewals.
  • Reports.
  • Deposit Maturity Report.
  • Interest Provisions.

Loans and Advances:

Consists of Surety Loan (Unsecured), Crop Loan, Vehicle Loan, Gold Loan, Loan against Deposit (like, FD, RICC / CC) Loan Ledgers & various types of reports:


Business Loan

A business loan is a loan specifically intended for business purposes. As with all loans, it involves the creation of a debt, which will be repaid with added interest.

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Personal Loan

Personal Loan are advanced on the basis of the borrower's credit-history and ability to repay the loan from personal income. Repayment is usually through fixed amount installments over a fixed term. Also called consumer loan.

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Secured Loan (Girvi / Mortgage loan)

A secured loan, is a loan in which the borrower pledges some asset (e.g. a car or property) as collateral for the loan, which then becomes a secured debt owed to the creditor who gives the loan.

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Gold Loan

A gold loan is a loan which is secured against gold ornaments. A borrower pledges their gold ornaments with the lender in exchange for funds. Therefore, it is a loan which is granted against a certain physical security of gold.

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Vehicle Loan

Vehicle Loan or an auto loan is basically a loan that you take out in order to purchase a vehicle. With an auto loan, you are not paying on the depreciation of the vehicle like you do with a lease. You are paying on the vehicle purchase price plus interest.

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Group Loan

The small group loan is a business credit facility that is designed to finance groups of 5 to 10 entrepreneurs.

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  • Loan sanctioning.
  • Loan disbursement.
  • Creation Loan Parameters by user.
  • Borrower and Surety Details.
  • Interest calculation and posting as per the loan schemes.
  • Interest Provisions for annual financial year.
  • Transfer entries from SB, Shares and Dividend are possible.
  • Loan repayment.
  • Loan Charges posting.
  • Loan closure.
  • Penalty Interest.
  • Loan Ledger view.
  • Loan Schedule for Different Amount, ROI, Periods.
  • Reports.
  • Loan Balance pass sheet.
  • Monthly Demand collection Balance report.
  • Overdue report.
  • NPA report.

Standing Instructions:

Carrying out of Standing Instruction on day-to-day basis and monitoring of Standing Instruction, cancellation, etc:

  • Define Standing Instruction.
  • Processing and posting.
  • Status of Standing Instruction.
  • Reports.

Cash Transaction:

Internally updating daybook entries like Receipts, Payments, and Transfers between accounts can be updated internally through the respective modules; direct voucher entries to the G/L are possible:

  • Receipts and Payments.
  • Cashier Scroll.
  • Cash Register.
  • Bank reconciliation.

Day book and Trial Balance:

It includes subsidiary daybook; cash transfer in respect of each account head with abstract no. of vouchers:

  • Day Book.
  • Trial Balance.
  • Subsidiary day book.

General Ledger & Financial Statements:

Contains summary of transaction in each head of account for a given period and it always tallies with Balance Sheet figures:

  • Pass sheet printing.
  • General Ledger.
  • Receipt and Payment account.
  • Profit and Loss account.
  • Balance Sheet.


Enables management to take quicker and effective online decisions:

  • New Members enrolled.
  • Memberships closed.
  • New Shares issued.
  • Shares surrendered.
  • List of Members and Associate Members.
  • Dividend released.
  • Member/Non-Member profile.
  • Savings Bank Accounts opened.
  • Savings Bank Accounts closed.
  • Savings Bank Accounts list with details.
  • Account-wise interest paid on Savings Bank Deposits.
  • Term Deposits (FD,RD, Cash certificates) opened and closed.
  • Interest paid on Term Deposits.
  • Term Deposits due for maturity during any specified period.
  • RD Accounts with installment overdue.
  • Term Deposits renewed.
  • Loan Accounts opened.
  • Loan Accounts closed.
  • Interest collected on Loan Accounts.
  • Loan Installment overdue.
  • Balance Sheet.
  • Income and Expenditure.
  • Indirect liability of a member.
  • Cost of funds.
  • Yield on advances.
  • Customizable Reports.
  • Drill down facility.
  • Assets and liability of a member.

System Administration:

Administration of entire computerized environment includes User Management. Password Management, Day-End, Day-Begin and back-up activities:

  • User creation.
  • Roll creation.
  • Day-End.
  • Day - Begin.
  • Back- up & restore.
  • Change of Password.

Initialization and configuration:

Initialization of various parameters:

  • Calendar.
  • Loan parameter.
  • Deposit slab and parameter.



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