Products & Services

IRIS Kisan Loan System

VSoft’s domain experts with decades of experience in banking along with its technology specialists have achieved breakthrough innovations in building a unique digital platform for banks to process KCC loans for farmers. IRIS Kisan Loan System (KLS) is capable of processing any kind of agricultural loan as per KCC guidelines.


But the most significant breakthroughs of IRIS KLS are that it not only allows farmers to withdraw their sanctioned loans conveniently from an ATM at any time and in small need-based quantities but also allows them to repay their loans easily through a Micro-ATM without having to travel to a branch to do so, which in most cases involves a day’s worth of effort. KLS offers unique business and technological value propositions for commercial banks and cooperative banks.

For Cooperative Banks
The multidimensional nature of problems in RuPay enabling of KCC for the Cooperative Credit Structure (CCS) requires a unique and holistic solution. KLS for Cooperative Banks not only retains but also rejuvenates the time-honoured preeminence of PACS as trusted service providers to millions of small and marginal farmers. It achieves this well within the boundaries of the long-established banking regulations. It effectively resolves the long-running conundrum of exclusive regulatory compulsions and inclusive welfare goals. Learn more

For Commercial Banks
Agricultural loans are originated, approved and maintained using intricately formulated rules and guidelines that encompass multiple schemes under multiple lines of credit having multiple durations and satisfying varied sets of norms, all convergent in a single loan account. Hence, the solution should encapsulate subtle nuances of the existing agricultural loan rules & guidelines in their entirety without disturbing the extant business processes. Learn more