Needed a Core Banking System for a credit cooperative society

Need a Core Banking System with internet banking facility for a credit cooperative society. The following are the main features which we are looking for All the activities in the society like membership creation, savings account creation, FDs, loans can be placed under hierarchy levels. Creation of accounts will be done by one person and the approval can be done by a higher person. Also we have the option to restrict the rights for the staff at various levels through Admin. 01. Membership creation : This option is available to create new membership for all the members. We have the option to create our own criteria for membership id, minimum and maximum no. of shares to be allotted, option for scanning the KYC documents, specimen photograph and signatures, etc. Once the membership is created Approver can approve the same after checking the details. 02. Savings Account & Current Account creation : This features allows us to create savings & current accounts for the members. Savings and Current accounts are created using the membership id. We also have the option to customize the account number, minimum amount, rate of interest and other features. Once the account is created Approver can approve the same after checking the details. 03. Fixed Deposits and Recurring Deposits : This feature facilitates us to create Fixed deposits and Recurring deposits for the members. FDs/RDS are also created using membership ids. We can create our own schemes of Fixed deposits and recurring deposits to suit our requirements and accordingly create our own. Post creation of FD Fixed deposit certificate can also be generated. Once the FD/RD is created Approver can approve the same after checking the details. 04. Loans : This feature allows us to create new loans like Agri loans, mortgage loans and gold loans. We can create our own schemes for each of these loans and accordingly issue the loans. In this feature we need to create initially Loan Application by providing all the details about the borrower. Using the Loan Application number we will create loan account as per our designed scheme. We can key in the co-applicant details too in this feature. Also there is an option to scan all the loan related and legal documents like loan sanction letter, Credit Appraisal memo, mortgage deed, legal scrutiny report, Field enquiry report, etc. Once the loan is created we can disburse the same to his savings account through loan disbursement option. Also through another option called Loan transactions we can record the payments made by the borrowers and accordingly get the outstanding amount at any point of time. We can also track the history of all the payments of the borrower. While creating our won loan schemes itself we can put the amount of processing charges, appraiser charges, penal interest and accordingly we can track the same. 05. Reports : This feature generates all kinds of reports at any point of time. We can get the details like list of members,savings account, current accounts, FDs/Rds, loan details, loan outstanding, loan recoveries, etc at any point of time. Also at the end of the each day we can generate daily report and check what are all the accounts that are created on the day, receipts received for the day and payments done for the day. 06. Loan Recovery : This option features loan summary,loan defaulters, issue of Demand Notices, Final Notices, agents commission, recovery status, track notices, etc. [login to view URL] with other bank API's for making RTGS and NEFT [login to view URL] Banking for customers [login to view URL] SMS alerts for all transactions