High-Volume, RBI-Aligned Data Infrastructure

The RBI’s mandate to publish details of unclaimed deposits pushed many banks into reactive mode.

This institution initially handled 6,000 records manually through a Drupal module, a volume it could accommodate. But as record counts soared to over 600,000, the platform began to choke. Page loads stalled, server capacity strained, and regulatory risk escalated.

Xerago responded with a shift from front-end uploads to direct-to-database ingestion using Drupal 10 as the foundation platform. Instead of relying on the limitations of Drupal’s file module, we built a performance-first ingestion system designed for scale.

A custom database table schema was introduced to optimize data indexing and retrieval, enabling high-speed batch uploads. Within 10 seconds, 600,000 records could be parsed, validated, and inserted without impacting the live environment.

To prevent outages, we deployed batch processing and intelligent load balancing across the environment.

Real-time validations were automated, and every upload was tracked through audit logs, ensuring full traceability during internal or RBI inspections. What emerged was not just a complaint portal, but a scalable system capable of handling future mandates, data growth, and internal reporting.

Admin Portal Re-engineered for Security and Speed

Internally, the bank’s admin capabilities were under strain. Teams managing Digital Fixed Deposit (DFD), Digital Savings Account (DSA), Digital Current Account (DCA) and Customer Referral Module had no centralized dashboard to manage referrals, deposits, or service requests. Visibility into customer data was limited. Filtering options were rudimentary. Manual workarounds were common, increasing turnaround time and error rates. The admin interface, designed for a simpler time, was now a bottleneck.

Xerago rebuilt the admin portal from scratch using ReactJS for the front-end and NodeJS for backend operations. To handle growing loads without compromising security, we implemented a master-slave database configuration: queries were handled by a “slave” replica to avoid overloading the “master” source of truth.

Security was embedded throughout. We introduced role-based access control (RBAC) so that different teams, Product, IT, and Marketing, could only view data relevant to their functions. Sensitive operations, such as data edits or refunds, were governed by a maker-checker protocol that enforced dual-level verification.

We also added real-time dashboards with data filters, logs, and usage reports, enabling quicker responses to customer queries and operational requests. Phishing risk was reduced through automated flagging and updating of suspicious email IDs. As manual bottlenecks fell away, the admin console transformed into a secure, high-throughput operations center that could scale with the bank’s ambitions.

Digital Banking Suite Built for Instant Fulfillment

Legacy onboarding journeys were too slow for today’s digital-first customers. Opening a Fixed, Savings, or Current Account requires 20–30 minutes, involving multiple steps, ID verification, branch approval, and internal coordination. In a landscape filled with nimble fintech challengers, this approach simply didn’t cut it.

Xerago designed and deployed end-to-end digital journeys for all major account types, built on a foundation of API orchestration and straight-through processing (STP). From eKYC (via UIDAI and NSDL) to live video verification (WorkApps with 1-hour average TAT), fraud checks (RE Check API), and credit validation (Equifax API), the journey was fully integrated and real-time.

Customers could now open accounts instantly and route initial deposits through CCAvenue, which was securely integrated into the journey. All new accounts were synced to the home-grown CRM and then to core banking (Finacle) systems in real-time, ensuring that fulfillment didn't break the customer experience.

We built workflows and managed the deposit flow, crediting amounts into bank accounts until Video KYC completion, then reinitiating money transfer to customers' accounts upon verification.

Security wasn’t an afterthought; it was designed into the stack.

AES 256 encryption, vigorous VAPT testing, high code quality standards, content security policy, and asymmetric encryption ensured end-to-end protection. What once took 30 minutes was now completed in under 3 with zero paperwork, zero branch visits, and zero compromise on compliance or security.

Performance Breakthroughs

The Xerago Edge

Xerago’s role extended beyond delivering digital tools through our offshore managed services model. We created an operating backbone for secure, scalable, and compliant digital banking.

Compliance without compromise

Rather than bolt-on validations or stop-gap solutions, we implemented regulatory controls at the database and ingestion level. RBI mandates were not ‘met’; they were exceeded.

Experience-led digital maturity

We engineered customer journeys to be intuitive and instantaneous, without sacrificing the robustness needed for financial operations. Every design decision balanced usability with integrity.

Infrastructure tuned for load and latency

From Drupal replacement to smart batch ingestion, we built systems that could handle spikes, scale smoothly, and operate reliably under high loads—whether 6,000 or 600,000 records.

Security is embedded at every layer

From maker-checker protocols to phishing ID detection, AES 256 encryption, asymmetric encryption, and comprehensive VAPT testing, every component of the stack was built to resist threats and ensure data sanctity.

Process intelligence for internal agility

Custom views, role-based dashboards, automated flags, and reporting tools gave every stakeholder from product teams to IT what they needed, when they needed it.

Ongoing Production Support

Providing continuous production support to ensure application availability and system reliability across all digital banking products.

Why This Transformation Mattered

Too often, digital transformations focus on the surface, new UIs, smoother forms, nicer visuals. But beneath the interface, if infrastructure remains rigid and operations stay manual, the transformation remains incomplete.

This initiative was different.

Xerago helped the bank rebuild from the inside out across three comprehensive phases over two years, embedding compliance automation where there were gaps, adding operational intelligence where there was friction, and scaling experience layers where customers felt the most impact.

It wasn’t just digital readiness. It was digital resilience, architected for scale, engineered for control, and designed to deliver real business outcomes through a proven offshore managed services partnership.