| Banking Software Solutions | Core banking software with on-premises and SaaS deployment for banks, cooperatives, and NBFCs. | Strong domain expertise, customizable solutions, hybrid deployment options, established client base, and proprietary technology. | B2B; commercial banks, cooperative banks, NBFCs, and financial institutions. | SaaS based subscriptions and maintenance contracts have highest margins. | 80 | 67 | Software licensing, SaaS subscriptions, customization, implementation, and maintenance contracts. | Software licenses with recurring SaaS fees; customized pricing per client needs. | Digitalization of banking sector, SaaS adoption, demand for secure and flexible core banking platforms. | E-Banker Core Banking System |
| Enterprise Resource Planning and E-Governance | ERP systems for SMEs, agricultural market committees e-governance software, forensic department solutions. | Niche product suites tailored for specific industries and government entities with integrated functionality. | B2B; SMEs, government bodies, educational and industrial clients. | Customization and support services yield higher margins. | 25 | 21 | Software sales, implementation services, licensing, and support contracts. | Project-based sales plus annual maintenance and support fees. | SME digital transformation, government e-governance initiatives, sector-specific ERP needs. | IBS-ERP, e-APMC, E-Autopsy Software |
| Digital Payment and Other Solutions | Enterprise digital payments, security operations center software, loan management modules. | Innovative digital payment and loan management solutions combining latest technology and regulatory compliance. | Financial institutions and enterprises requiring payment and loan management tech. | SaaS subscription services and value-added modules. | 15 | 12 | Subscription fees for SaaS, implementation services, and licensing. | Recurring subscriptions and tiered pricing models. | Rising digital payment adoption, financial sector tech upgrades, loan automation demand. | V-Pay Digital Payment Solution, V-SOC, Loan Origination System (LOS) |
