RFP for Appointment of New Services Provider for BC Services Under Financial Inclusion

127 Pages·2017·1.23 MB·English

PRATHAMA BANK
HEAD OFFICE :: MORADABAD

REQUEST FOR PROPOSAL
FOR
APPOINTMENT OF NEW SERVICE PROVIDER FOR BC
SERVICES UNDER FINANCIAL INCLUSION

(RFP Ref. No.PBHO/FID/RFP/ 273/2017 dated 01.06.2017)

PRATHAMA BANK
Head Office
F I Department
Prathama Bhavan, Ramganga Vihar, Phase-II
Moradabad (UP) 244001
Telephone: [phone], Fax: [phone]
E-Mail: [email protected], [email protected]
Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017
CONTENTS

1. PREAMBLE
2. DEFINITIONS
3. REQUEST FOR PROPOSAL
4. SCOPE OF SERVICE
5. ELIGIBILITY CRITERIA
6. CONSORTIUM ARRANGEMENTS
7. TARGET GROUP
8. COMPLIANCE REQUIREMENTS
9. RESPONSIBILITIES OF THE BIDDER
10. TECHNICAL DELIVERABLES
11. FUNCTIONAL ANDTECHNICAL REQUIREMENTS
12. ARCHITECHTURE IN BRIEF
13. BID PROCESS – GENERAL TERMS
14. SUBMISSION OF BIDS
15. DEADLINE FOR SUBMISSION OF BIDS
16. VALIDITY OF BIDS
17. BID SECURITY
18. TECHNICAL AND COMMERCIAL BID
19. OPENING OF BIDS AND SELECTION OF SERVICE PROVIDER
20. CONTACTING THE BANK
21. BANK’S RIGHT TO ACCEPT ANY BID, REJECT ANY OR ALL BIDS
22. LIABILITIES OF THE BANK
23. PRODUCT PROCESS MANAGEMENT
24. PROPOSAL FORMAT
25. OWNERSHIP
26. CONTRACT/ SERVICE LEVEL AGREEMENT
27. PENALTY FOR DELAY
28. REVIEW OF SERVICES AND TERMINATION OF CONTRACT
29. EFFECT OF TERMINATION
30. PAYMENT TERMS
31. FORCE MAJEURE
32. INDEMNITY
33. CONFIDENTIALITY AND NON DISCLOSURE
34. JURISDICTION
35. COMPLIANCE WITH STATUTORY AND REGULATORY PROVISIONS
36. TAXES AND DUTIES

Page 2 of 127
Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017
37. ANNEXURES :

ANNEXURE-I SCOPE OF SERVICES OFFERED THROUGH
BUSINESS
CORRESPONDENT OUTLET BY SERVICE PROVIDER

ANNEXURE-II FUNCTIONAL REQUIREMENTS
ANNEXURE–III COMMISSION PAYABLE
ANNEXURE-IV COMMERCIAL BID
ANNEXURE-V ELIGIBILE ENTITIES AND GENERAL GUIDELINES
ANNEXURE-VI TECHNICAL BID FORMAT
ANNEXURE-VI-(I)SPECIFICATIONS & FEATURES OF HHT
(MICRO ATM)
ANNEXURE-VII STATEMENT OF COMPLIANCE / DEVIATION
ANNEXURE-VIII TECHNICAL EVALUATION
ANNEXURE-IX STANDARD OPERATING PROCEDURES FOR
BC/BCA/BANK MITRA
ANNEXURE-X DETAILS OF BUSINESS CORRESPONDENT OUTLETS
ANNEXURE-XI OFFER COVERING LETTER
ANNEXURE-XII UNDERTAKING LETTER
ANNEXURE-XIII FORMAT OF BANK GUARANTEE / BID SECURITY
ANNEXURE-XIV SERVICE LEVEL AGREEMENT
ANNEXURE-XV RULES FOR REVERSE AUCTION
ANNEXURE-K-1 COMPLIANCE STATEMENT FOR REVERSE AUCTION
ANNEXURE-K-2 PRICE BID CONFIRMATION

Page 3 of 127
Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017
1. PREAMBLE
With a view to ensuring greater financial inclusion and to provide
comprehensive financial services to the underprivileged, particularly in
unbanked and under-banked areas, Prathama Bank, having its Head Office
at Moradabad (UP), 244001 in India, hereinafter called “Bank”, proposes to
engage the services of Business Correspondents as permitted by Reserve
Bank of India. The Business Correspondents will render services on behalf
of the bank, on contract basis, through their outlets through use of
Information and Communication Technology. The Financial Inclusion (FI)
programs have a larger objective of offering a variety of financial services
ranging from Basic Savings Bank Deposit Account (BSBDA) with limited
Overdraft, other loan accounts, Fixed Deposit, Recurring Deposit, Kisan
Credit Card(KCC), General Credit Card (GCC),Remittances, Micro Pension,
Micro Insurance, and Mutual Funds, e-KYC, Aadhaar Seeding, Mobile
seeding etc. Electronic Benefit Transfer Scheme sponsored by Central
/State Governments, Direct Benefit Transfer and Government to Person
(G2P) Schemes will also form part of the current requirements. The project
includes supply, commissioning, installation, up gradation, customization,
integration, operations, services, maintenance and management of the
entire implementation, including cash management, during the contract
period of Five years and which may be extended, subject to mutual
agreement, by a further period of five years. This project is an end to end
solution for implementation of Financial Inclusion in Bank.
The approximate number of Sub-Service Areas and urban Clusters to be
covered through this RFP will be around 548 in 4 districts (Moradabad,
Rampur, Amroha & Sambhal) of Uttar Pradesh which may be increased /
decreased at the sole discretion of the Bank.
The eligibility criteria, the evaluation process and other terms and
conditions are set out in this RFP. Bank will enter into contract with the
selected Service Provider on such terms and conditions as contained in this
RFP. The Service Provider will act on behalf of the Bank in respect of the
specified services and will not be eligible to claim any benefit except for the
fee or commission as may be agreed. The Service Provider shall not use the
Page 4 of 127
Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017
trade mark, logo or any proprietary right of the Bank without their written
consent.

2. DEFINITIONS
Words used in this Request for Proposal shall have the meanings assigned
to them hereunder unless used in a context totally contrary:
2.1. “Area of Operation” means geographic area allocated to each Bank
Mitra /Business Correspondent Agent (BCA). Sub-Service Area (SSA)
will be the unit for operation covering a village or group of
contiguous villages. Each BCA will cover all the villages in the Sub-
Service Area allotted to that BCA. In respect of urban clusters, details
of wards or such other geographical boundary as decided by the Lead
Bank/Bank forms the area of Operation.
2.2. “Bank” means Prathama Bank
2.3. “Bid” means the offer made by the Bidder in response to this RFP.
2.4. “Bidder” means any person/entity who bids for offering services as a
Business Correspondent for the Bank pursuant to the terms of this
RFP.
2.5. “BC” means Corporate Business Correspondent is an entity who is
eligible to act as a business correspondent for the bank under the
terms hereof for providing services described in Annexure-I,
Annexure-II.
2.6. “Bank Mitra /BCA” means Business Correspondent Agent appointed
by BC operating in the Customer Service Point (CSP)/Business
Correspondent Outlet (BCO) or in an allotted SSA. The general
guidelines to be followed by the BC for engaging a Bank Mitra /BCA
are mentioned in Annexure V.
2.7. “Technical Service Provider” (TSP) means any entity with whom the
Bank enters into agreement for providing services of Business
Correspondent with the Technology solution as described in the
Page 5 of 127
Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017
‘Scope of Work’ in this document. The terms BC and TSP are used
interchangeably.
2.8. “Services” means the services to be provided by the Service Provider
pursuant to the terms of the Service Level Agreement (SLA).
2.9. “Customer Service Point (CSP) or Business Correspondent Outlet
(BCO)” are the terms used interchangeably and mean the outlet of
the Service Provider which will be providing Banking and financial
services.
2.10. “Bank Mitra” and BCA used in this RFP carry the same meaning and
are terms used interchangeably.
2.11. “Service Level Agreement” means the agreement to be executed
between the Bank and the Service Provider containing the terms and
conditions on which the Services will be provided (a model
agreement is annexed to this RFP).
2.12. “Financial Services” means enrolment for opening of BSBD Accounts,
loan accounts, FD, RD, KCC, GCC etc., and various
transactions/operations through them, remittances, extending
services like Micro Pensions, Micro Insurance, Mutual Funds, etc.
2.13. “FI / FI Implementation” means extending financial services through
branchless banking through Business Correspondent module,
including extending services under ‘Electronic Benefit Transfer (EBT)’
and / or ‘Direct Benefit Transfer (DBT)’, etc using relevant
technology.
2.14. “Eligibility Criteria” means the criteria required to be satisfied by the
Bidder in order to be engaged as a Service Provider and as per
guidelines of RBI and more particularly described to in this RFP.
2.15. “Hand Held Devices or Front end Devices or Field devices mean
Micro-ATMs or Hand Held Machines, Mobile Handsets / Mobile
Devices / Tablets /Laptop coupled with accessories like Finger print /
IRIS scanner, PIN pad and receipt printer or any other peripherals
Page 6 of 127
Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017
that are required for carrying out transactions both in Online/Offline
manner.
2.16. “FI Server or Intermediary Server” means TSP server with essential
hardware and fully parameterized software module to control, drive
Field devices, act as router, facilitate conducting various FI Services
after seeking authentication from Remote server / Bank’s FI
Gateway etc.
2.17. “Lead Bank” means the Public Sector Bank which convenes
DCC/SLBC meetings in the District / State respectively.
2.18. “NPCI” means National Payment Corporation of India.
2.19. “RBI’ means Reserve Bank of India
2.20. “Host” means Bank’s Core Banking Solution (CBS) System provided
by ‘C-Edge Technologies’ titled ‘B@ncsLink’
2.21. “RFP” means this Request for Proposal bearing Bid Reference No.
(Ref.No.PBHO/FID/ 273/2017 dated 01.06.2017)
2.22. “UIDAI” means Unique Identification Authority of India
2.23. Words “Service Provider” and “Bidder” used in this RFP carry the
same meaning.
3. REQUEST FOR PROPOSAL (RFP)
3.1 This Request for Proposal is being issued by Prathama Bank
inviting proposal from eligible bidders, offering appropriate
technology or to be engaged as Service Provider by the Bank for a
period of 5 years for providing services of Business Correspondents in
the Sub-Service Area and Urban clusters in the operational area of
bank i.e. providing end to end solution for FI implementation by
Bank. The period may be further extended by another three years on
the terms and conditions with mutual agreement between the Bank
and the successful bidder. The Bank requests response to this RFP
only from those bidders who are eligible as per the eligibility norms
detailed in this RFP.
Page 7 of 127
Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017
3.2 The time schedule for various activities is listed below:

Particulars Details
Last date to seek clarifications on the RFP June 19, 2017
Last date & time for receipt of response June 22, 2017 (04.00 pm)
to this RFP together with
To be submitted at Prathama
a) Bank Guarantee of Rs.10,00,000/- Bank, F I Department,
Prathama Bhavan,
(Rupees Ten Lacs Only) favoring
Ramganga Vihar, Phase-II
Prathama Bank, as per the format in
Moradabad (UP) 244001
the RFP, as Bid Security (returnable
Telephone: [phone],
only to non-successful Bidders)
Fax: [phone]

b) Rs. 10,000/- (Rupees Ten Thousand
only as Cost of the Bid (non-
refundable) drawn in favor of
Prathama Bank and payable at
Moradabad.
Date and time of opening the technical June 22, 2017 (05.00
pm) To be submitted at
bids
Prathama Bank,F I
Department
Prathama Bhavan,
Ramganga Vihar, Phase-II
Moradabad (UP) 244001
Telephone: [phone],
Fax: [phone]

E-bidding to be facilitated by M/s e-Procurement
Technologies
Ltd,(ETL), Ahmedabad
Address for online submission of bids https://eauction.auct
iontiger.net/EPROC/
Contact Details of M/s e-Procurement Samjad Khan-
07940230817
Technologies Ltd,(ETL), Ahmedabad
[email protected]
Date and time of online reverse Auction Will be intimated to
Page 8 of 127
Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017
Particulars Details
for commercial finalization only technically
qualified bidders
Date and time of reverse auction Will be advised to technically
qualified bidders later. Bidders
may arrange to obtain Digital
Signatures to participate in the
reverse auction
Address for communication General Manager,
To be submitted at
Prathama Bank,
F I Department
Prathama Bhawan,
Ramganga Vihar, Phase-II
Moradabad (UP) 244001
Telephone: [phone], Fax:
0591-2455179
mail:
[email protected],
[email protected]
Important Note All the prospective Bidders and
the stake holders are requested
to visit Bank’s website at
www.prathamabank.org under
‘Announcement/ Tenders’ for
updates / amendments, if any,
with regard to this RFP, on daily
basis.

Bank reserves the right to change the dates, timings and venue mentioned
above or elsewhere mentioned in the RFP and the same will be
communicated by placing the same as corrigendum on the Bank’s web-site.

Submission of Proposal:
The response to this RFP will be submitted by way of two stage bidding
process. The technical proposal with the relevant
information/documents/acceptance of all terms and conditions as
described in this RFP document will be submitted online through M/s e-
Procurement Technologies Ltd,(ETL), Ahmedabad, the outsourcing agency
Page 9 of 127
Bid RFP Ref. No. PBHO/FID/RFP/ 273/2017 Dated 01.06.2017
approved by Prathama Bank for e-bidding on the website
(https://eauction.auctiontiger.net/EPROC/).

3.3 DISCLAIMER

3.3.1 The information contained in this RFP document or any information
provided subsequently to Bidder(s) whether verbally or in
documentary form by or on behalf of the Bank, is provided to the
Bidder(s) on the terms and conditions set out in this RFP document
and all other terms and conditions subject to which such information
is provided.

3.3.2 This RFP is not an offer by the Bank, but an invitation to offer. The
purpose of this RFP is to provide the Bidder(s) with information to
assist in the formulation of their proposals. This RFP does not claim
to contain all the information each bidder may require. Each Bidder
should conduct its own investigations and analysis and should check
the accuracy, reliability and completeness of the information in this
RFP and where necessary obtain independent advice. Bank makes no
representation or warranty and shall incur no liability under any law,
statute, rules or regulations as to the accuracy, reliability or
completeness of this RFP. Bank may in its absolute discretion, but
without being under any obligation to do so, update, amend or
supplement the information in this RFP.

3.3.3 No contractual obligation, whatsoever, shall arise from the RFP
process unless and until a formal contract is signed and executed by
the duly authorized signatories of the Bank and the Bidder.

3.4 AMENDMENT OF BIDDING DOCUMENT

3.4.1 At any time prior to the deadline for submission of Bids, Bank, for any
reason, whether, at its own initiative or in response to a clarification
requested by a prospective Bidder, may modify the Bidding
Document, by amendment.

Page 10 of 127