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Structured Financial Messaging System


Feature-rich and equipped with robust messaging capabilities, Structured Financial Messaging System (SFMS) is India’s backbone for inter-bank financial messaging & Centralised Payment Systems. As the Indian standard for domestic financial messaging for centralized payment system, banks can link its high volume branches, regardless of category and level of computerisation to improve efficiency and speed up fund transfers, MIS reports, etc. SFMS supports ISO 20022 and is backed by INFINET as its communication medium to power Real-Time Gross Settlement (RTGS), National Electronic Funds Transfer (NEFT), LC, BG and more.



Scalable architecture                                       
Scalable architecture capable to meet the ever-increasing demands of the Indian payment and settlement system
PKI based security environment                                       
Authentication, confidentiality, non-repudiation, and integrity with a PKI based security environment

Easy integration             
Structured workflow enabling easy integration of messages with a participant

Messaging system                                       
Store and forward messaging system ensuring recourse to messages with status
Real-time response & high performance
Secured Transmission, assured delivery & tracking
Message Format                                       
Supports Multi-currency standard message format
Data Transmission                                       
Facility to broadcast and multicast
Customized Messaging formats   
Template builder for customization of messaging formats



Payment Systems: Real-Time Gross Settlement (RTGS) & National Electronic Funds Transfer (NEFT)

Trade-related Messaging: Inland Letters of Credit (LC) & Bank Guarantee (BG)

Lien on Documents/Securities: E-FDR (Lien on Term Deposits)

Free Format Messages