Redefining banking in the digital age

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News/Data

Our AI powered analytical solution provides real-time insights from various data sources to empower informed decision-making in the fast-paced financial landscape.

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Front office

Our solutions deliver real-time insights and data-driven strategies to optimize your front office operations and enhance your decision-making process.

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Middle office

Enhance your bank's middle office with our advanced risk assessment tools and analytics to safeguard and ensure compliance in your treasury operations.

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Back office

Simplify bookkeeping tasks, our platform automates and optimizes financial record-keeping, ensuring accuracy and efficiency in your treasury management

Numbers that speak volume

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Signature value proposition

At Knight FinTech, our core value proposition revolves around empowering financial institutions to thrive in today's digital era. We understand the unique challenges faced by Financial Institutions and we are committed to providing innovative solutions that address these challenges head-on.

End-to-end treasury solution

With the advent of progressive bankers riding the digital wave, manual processes, spreadsheets, and outdated monolith systems are on the verge of being disrupted. Our primary focus is harnessing technology to keep you ahead in the competition, guaranteeing compliance and synchronization with regulators, and boosting process efficiency. As a result, you can expect increased profitability while minimizing market risk, regulatory risk, and business risks.

Assets

End-to-end treasury solution

With the advent of progressive bankers riding the digital wave, manual processes, spreadsheets, and outdated monolith systems are on the verge of being disrupted. Our primary focus is harnessing technology to keep you ahead in the competition, guaranteeing compliance and synchronization with regulators, and boosting process efficiency. As a result, you can expect increased profitability while minimizing market risk, regulatory risk, and business risks.

News

Stay informed with our comprehensive news feature, providing market insights, macroeconomic data such as inflation, and timely updates on monetary policy reviews and key rates.

Market Data

Access advanced market research tailored for SLR and Non-SLR portfolios, ensuring you stay well-informed and ahead in the market.

Global macro

Navigate international financial landscapes seamlessly with our treasury management website's Global Macro feature, providing insights and tools to optimize strategic decision-making in the ever-changing global market.

Strategy Building

Empower your strategy-building capabilities with our feature for conducting scenario analysis through yield curve adjustments, including parallel, non-parallel, flattening, and steepening effects.

What If Analysis

Utilize our 'What If' analysis feature to proactively assess potential risk limit or counterparty limit breaches before executing trades, enabling informed decision-making.

Deal capturing

Simplify deal capturing with our interface adapters, seamlessly connecting external trading terminals to enhance Straight-Through Processing (STP) efficiency.

Portfolio Optimizer

Harness the power of portfolio optimizer to maximize returns while effectively managing risk and ensuring quality across your investment portfolio.

Trading Insights

Access AI/quant-based algorithmic trading insights and levels, receive chart-based alerts, leverage news sentiment analysis, optimize yield curve positioning, build strategies through a user-friendly drag-and-drop interface, and conduct efficient backtesting for informed decision-making.

Scenario Builders

Easily conduct scenario analysis on your portfolio, assessing the potential impact of different interest rate movements and the economic outcomes of securities buy/sell decisions.

Risk Policy

Simplify risk policy management by setting flexible limits across diverse parameters, including portfolio, dealers, issuer, VaR, ratings, instruments, and many others, tailored to your unique requirements.

Investment Policy

Effortlessly implement a comprehensive and robust investment policy framework, enriched with features such as a limits framework, utilization dashboards, and detailed limit utilization blotters with drill-down capabilities.

Regulatory Guidelines

Ensure full compliance with regulatory requirements and guidelines, covering both Investments and ALM perspectives, to safeguard your financial operations.

Market Data

Access in-depth market data analysis, including yield curves, FX rates, benchmark rates, security prices, rate scans, and traded file prices, for informed decision-making.

Order Execution

Effortlessly execute orders through Straight-Through Processing (STP) from various trading terminals, including CCIL platforms, Refinitiv, Bloomberg, and more.

Inter Bank FD

Explore our Interbank FD feature, offering secure deposits and placements with added functionalities like lien tagging, pre-maturity options, and rollover capabilities for greater flexibility.

Risk Based Alerts

Benefit from our risk-based alerts feature, receiving real-time notifications for live limit utilization, stop-loss and take-profit triggers, as well as rate scan alerts, ensuring proactive risk management.

Enforced Policy

Ensure compliance and risk mitigation in treasury management with our website's feature, overseeing policy adherence through automated monitoring and enforcement for financial integrity.

Risk Management

Access a comprehensive suite of features for effective mitigation of credit, market, and operational risks with our risk management tools.

Alt Credit Rating

Enhance risk assessment in treasury management on our website with alternative credit scoring, leveraging innovative metrics to provide a comprehensive evaluation of financial stability and creditworthiness.

Stress Testing

Perform stress testing by simulating various interest rate scenarios to assess their effects on portfolios and potential IDR (Interest Rate Risk) requirements with our feature.

Ledger Setup

Seamlessly configure your ledger system to handle various scenarios without the need for custom coding, providing a user-friendly and adaptable solution.

Accounting Policies

Tailor your accounting policies to meet specific requirements, offering flexibility and intelligence to adapt to diverse scenarios effortlessly.

Pre-EOD Rules

Customize a checklist of pre-EOD tasks to ensure all necessary activities are completed before end-of-day processing.

EOD Rules

Streamline end-of-day procedures with a tailored checklist to maintain operational efficiency.

Settlement

Effortlessly manage the settlement process with the flexibility of individual or bulk options for funds inflow and outflow, complemented by readily adaptable interface connectors for payment trays integration.

Comprehensive Accounting

Ensure comprehensive and precise accounting at both the security and classification levels with rigorous testing across a range of scenarios.

Report MIS

Choose from a variety of customizable reports, with the flexibility to export them in HTML, PDF, and XLS formats to suit your reporting preferences.

Trial Balance

Generate a comprehensive treasury trial balance, including complete ledger details, covering opening balance, movements, and closing balance, providing a clear financial overview.

Pre-EOD/EOD Alerts

Benefit from a comprehensive checklist encompassing both pre-EOD and EOD tasks, allowing for customization to meet your specific requirements and enabling efficient sign-off by business users before EOD processing by IT/system administrators.

Liabilities

Supported Array of Products

Experience the breadth and depth of our solution as it caters to a broad spectrum of products and asset classes, providing unmatched coverage for your investment objectives.

G-sec

G-Secs are debt securities issued by the government, specifically the Treasury or Finance Ministry. Government securities include bonds and notes and are considered one of the safest investments because they are backed by the full faith and credit of the government.

T-Bills

T-Bills (Treasury Bills) are short-term government debt securities with maturities typically ranging from a few days to one year. T-Bills are issued at a discount to their face value and do not pay periodic interest; instead, investors earn a return by purchasing them at a discount and receiving the full face value at maturity.

SDL

SDL (State Development Loans)are debt securities issued by state governments in India to raise funds for various development projects. SDLs are a form of government bonds issued by individual Indian states.

STRIPS

STRIPS (Separate Trading of Registered Interest and Principal Securities) are financial instruments created by separating the interest and principal components of a bond or Treasury security. These components are then traded as individual zero-coupon securities.

Corporate Bonds

Corporate bonds are debt securities issued by corporations to raise capital. Investors who purchase corporate bonds are effectively lending money to the company in exchange for periodic interest payments and the return of the bond's face value at maturity.

Certificate of Deposits

Certificate of Deposits (CDs) are time deposits offered by banks and financial institutions. Investors deposit a sum of money in a CD for a specified period, during which they earn a fixed interest rate. CDs are typically considered low-risk, and the interest rates are generally higher than regular savings accounts.

Commercial Papers

Commercial paper is a short-term, unsecured promissory note issued by corporations to raise short-term funds. It is typically used to meet short-term financing needs, and it has a maturity of less than one year. Commercial paper is often considered a low-risk investment due to the creditworthiness of the issuing corporation.

Interbank Deposit & Placements

Interbank Deposit & Placements are short-term transactions between banks or financial institutions where one bank places a deposit with another for a specified period. These deposits and placements are typically made to manage liquidity, earn interest on surplus funds, or borrow funds as needed.

Call / Term / Notice Money

These refer to short-term funds that banks and financial institutions borrow and lend among themselves to meet immediate cash flow needs. It is often an overnight or very short-term borrowing or lending arrangement.

CROMS

CROMS is a segment of the money market in India that includes collateralized borrowing and lending transactions. In CBLO, participants can borrow and lend funds against collateral, typically government securities. It is similar to a repo (repurchase agreement) but specific to the Indian money market.

TREPS

TREPS (Tri-party Repo) are repurchase agreements in which a third party, known as a tri-party agent, acts as an intermediary between the two parties involved in the transaction. The tri-party agent helps facilitate the collateral management and settlement processes.

Repo & Reverse Repo

A repo, short for repurchase agreement, is a financial transaction in which one party (usually a central bank or financial institution) sells a security (typically government bonds) to another party with an agreement to repurchase the same security at a specified future date and price. It is a short-term collateralized lending/borrowing mechanism used to manage liquidity and raise short-term funds.

A reverse repo is the opposite of a repo. In a reverse repo, one party buys a security from another party with an agreement to sell it back at a specified future date and price. It is effectively a collateralized borrowing arrangement.

Liquidity Adjustment Facility (LAF)

The LAF is a monetary policy tool used by central banks, such as the Reserve Bank of India (RBI). It comprises repo and reverse repo operations through which the central bank can inject or absorb liquidity from the banking system to control short-term interest rates and maintain price stability.

Marginal Standing Facility (MSF)

Marginal Standing Facility (MSF) is a facility offered by central banks, like the RBI, to provide funds to banks in times of acute liquidity shortage. Banks can borrow funds from the central bank at a higher interest rate than the repo rate, typically against eligible securities. MSF is often used as a last resort borrowing option when banks face a liquidity crunch.

Standing Deposit Facility (SDF)

Standing Deposit Facility (SDF) is a facility that allows banks to park excess funds with the central bank. It is the opposite of the Marginal Standing Facility. Banks earn interest on funds deposited with the central bank through the SDF.

Long Terms Repo Operations (LTRO)

Long Term Repo Operations (LTRO) is a monetary policy tool that involves the central bank providing longer-term funds to banks through repo operations with maturities exceeding the typical short-term tenors. LTRO is used to ensure the availability of longer-term funds in the banking system, thereby influencing long-term interest rates.

Equity Shares

Equity shares, also known as common shares or ordinary shares, represent ownership in a corporation. When you hold equity shares in a company, you own a portion of that company and have the potential to receive dividends and capital appreciation.

Mutual Funds

Mutual funds are investment vehicles that pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other securities. Professional fund managers make investment decisions on behalf of investors, offering diversification and access to various asset classes.

Venture Capital

Venture capital is a form of private equity investment provided to early-stage or high-growth companies with significant growth potential. Venture capitalists invest in these companies in exchange for equity ownership, often playing an active role in their development.

Cash

Cash refers to physical currency, such as banknotes and coins, and can also encompass funds held in checking or savings accounts that are readily accessible for transactions and payments.

Tom

Tom (Tomorrow) Transactions, or tomorrow transactions, are financial transactions that settle on the following business day. In these transactions, parties agree to buy or sell a financial asset with settlement scheduled for the next business day.

Spot

Spot transactions involve the immediate exchange of a financial instrument or asset at the current market price, with settlement typically occurring within a short period, often within two business days.

Forward

A forward contract is an agreement between two parties to exchange a specific asset at a predetermined future date for an agreed-upon price. It allows for the locking in of prices for future transactions, serving as a hedge against price fluctuations

Swaps

Swaps are financial contracts in which two parties agree to exchange cash flows or financial instruments over a specified period. Common types of swaps include interest rate swaps, currency swaps, and commodity swaps. They are used for various purposes, including managing risk and altering the cash flow structure of investments.

Inward Remittances

Inward remittances refer to funds transferred or received from abroad into a recipient's domestic bank account. These transfers can include payments from overseas family members, foreign businesses, or other entities.

Outward Remittances

Outward remittances are funds sent or transferred from a person or entity in one country to a recipient in another country. They typically involve international money transfers for various purposes, such as paying for goods or services abroad.

Import Bills

Import bills are documents representing the cost of goods or services purchased from a foreign supplier. These bills include details of the transaction and payment terms and are used to facilitate international trade payments.

Export Bills

Export bills are documents sent by a seller to a foreign buyer, detailing the cost of goods or services to be delivered. They are used to request payment and track international trade transactions.

Foreign Cheque Collection

Foreign cheque collection is a banking service that allows individuals or businesses to deposit and collect funds from foreign checks or cheques. The bank processes the cheque and credits the proceeds to the recipient's account.

FCNR/RFC account

FCNR and RFC accounts are types of bank accounts that allow individuals, including non-resident Indians (NRIs) and resident Indians, to hold and transact in foreign currencies. FCNR accounts are for NRIs, while RFC accounts are for residents who held foreign assets.

EEFC Accounts

EEFC accounts are bank accounts in which exporters can hold and maintain foreign currency earnings. These accounts are used to facilitate international trade transactions and foreign currency management.

Forward Contract Bookings

Forward contract bookings involve agreements between two parties to exchange a specific amount of one currency for another at a future date and an agreed-upon exchange rate. These contracts help manage currency risk in international trade and finance.

Overnight Index Swaps (OIS)

OIS is a type of interest rate swap where one party pays a fixed interest rate, and the other party pays an overnight reference rate, such as the federal funds rate or the overnight repo rate. The swap is settled daily, typically using a specified benchmark rate.

Interest Rate Swaps (IRS)

Interest rate swaps are financial contracts in which two parties agree to exchange interest rate payments. One party pays a fixed interest rate, while the other pays a floating interest rate based on a reference rate, such as LIBOR or the U.S. T-bill rate.

Cross Currency Swaps (CCS)

Cross currency swaps involve the exchange of principal and interest payments in one currency for equivalent payments in another currency. These swaps are used to hedge currency risk or to take advantage of interest rate differentials between two currencies.

FRA (Forward Rate Agreement)

A forward rate agreement is a financial contract that allows two parties to agree on an interest rate that will apply to a specific amount of money to be borrowed or lent at a future date. It helps manage interest rate risk.

Equity Futures & Options

Equity futures are standardized contracts that obligate the buyer to purchase and the seller to sell a specific quantity of shares at a predetermined price on a future date. Equity options give the holder the right, but not the obligation, to buy (call option) or sell (put option) a specific number of shares at a specified price within a set period.

Index Futures & Options

Index futures and options are financial derivatives based on the performance of a stock market index, such as the S&P 500 or the NSE Nifty. They allow investors to speculate on or hedge against broader market movements.

Currency Options

Currency options are financial contracts that give the holder the right to buy (call option) or sell (put option) a specific amount of one currency in exchange for another currency at an agreed-upon exchange rate. These options are used to hedge foreign exchange risk or speculate on currency movements.

Commercial Papers

Commercial papers are short-term debt instruments issued by corporations to raise funds. They typically have maturities ranging from a few days to a few months and are often used to meet short-term financing needs.

Certificate of Deposits

Certificate of deposits are time deposits offered by banks and financial institutions. They involve depositing a specific sum of money for a fixed period at a predetermined interest rate. CDs are typically considered low-risk investments.

Non-Convertible Debentures

Non-convertible debentures are debt securities issued by corporations. Unlike convertible debentures, NCDs cannot be converted into equity shares. Investors receive periodic interest payments and the principal amount at maturity.

Term Loans

Term loans are loans provided by financial institutions, often with a fixed interest rate and a predetermined repayment schedule. They are typically used for financing long-term investments such as equipment, real estate, or business expansion.

Working Capital Demand Loans (WCDL)

Working Capital Demand Loans are short-term loans extended by banks to businesses to cover their working capital needs, such as inventory and operational expenses. These loans are generally repayable on demand.

OD / CC

Overdraft (OD) and Cash Credit (CC) are credit facilities offered by banks to businesses to meet short-term working capital requirements. They allow businesses to withdraw funds up to a specified limit and pay interest only on the amount utilized.

Refinanace

Refinancing refers to the process of replacing an existing loan or debt with a new one, often with better terms, such as a lower interest rate. It can help borrowers reduce their financial burden or improve their loan conditions.

DA & PTC

Direct Assignment (DA) and Pass Through Certificates (PTC) are securitization mechanisms used in the sale of loans, typically to a special purpose vehicle (SPV). The SPV issues PTCs to investors, backed by the cash flows from the loan pool. DA involves direct transfer of loans to the SPV.

External Commercial Borrowings (ECB)

External Commercial Borrowings are loans or debt instruments obtained by Indian entities from foreign sources. ECBs can be used for various purposes, including project finance and trade credit, subject to regulatory conditions.

Asset Liability Management

Matching Assets (inflows) with liabilities (outflows)

Oversee and ensure compliance with ALM Gap Analysis, Structured Liquidity Statement, Rate Sensitivity Analysis, and related reporting requirements.

Maximizing yield by optimum allocation across the yield curve, while meeting all the constraints of liquidity.

Realtime market analysis

Experience the benefits of real-time market analysis, enabling you to monitor price movements, identify patterns, and react swiftly and strategically to market changes.

Regulatory compliance

Investment Policy, Risk Policy

Setting up the policies and enforcement of the policies through system based approach

Risk Based Internal Audit

Setting up the Middle Office and tracking of all investment related activities, market snapshots, portfolio snapshots to be future ready from any Audit

Amortization, Depreciation, IFR/IDR

Creation & Monitoring of all statutory reserves like IFR, IDR and using correct policies for amortization etc.

Security Classification Norms

Making sure all securities are appropriately classified in timely manner and appropriate accounting policies are applied to avoid any penalties from RBI

RBI Reporting

All statutory reporting like ALM, Structural Liquidity, Dynamic Liquidity, Interest Rate Sensitivity Analysis

User Roles: Maker / Checker

Distinct roles for FO/MO/BO with maker checker work flows to ensure compliance and avoid mistakes.

Prudential Norms & Audit Requirements

Making sure all RBI prescribed prudent norms are followed correctly in regards to counter party exposures and risk management guidelines, including monitoring of V a R and PV01 from audit perspective as well as tamper proof deal slips records in digital form

See our solutions in action

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