상품DB/인도 수표스캐너 시장동향(2013.7)/제8472호에 해당하는 기계의 부분품과 부속품

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제목

인도 수표스캐너 시장동향(2013.7)

게시일

2015-11-20

국가

인도

작성자

오새봄(뉴델리무역관)

품목

제8472호에 해당하는 기계의 부분품과 부속품

품목코드

847340

작성일자: 2013.7.11

작성자: 뉴델리 무역관 Ms. Jaya Nayar (jaya@ktcdelhi.net)

1. Market Trend

 ○ Foreign companies are likely to cash in on the big demand for cheque truncation system scanners.

 ○ By July end, all the old format bank cheques will become invalid as banks start implementing this system, which enables faster clearing of cheques.

 ○ The CTS scanners not only just scan the cheques but can also read the Magnetic Ink Character Recognition, a technology that is used to verify the legitimacy or originality of the cheque. If the cheque enters the scanner slightly skewed, the driver software in the scanner can automatically straighten out the final image.

 ○ Some of the companies supplying these scanners are Canon, Epson, CTS Electronics, Panini, Hewlett Packard, Kodak, Digital Check, NCR, Fujitsu, Vision Shape, Magtek Excella, Fujitsu and Unisys, said Anwar Shirpurwala, Executive Director, MAIT.

 ○ A scanner that can scan a lot of 150 cheques typically costs around Rs 1.50 lakh according to industry sources.

 ○ According to bank officials, sourcing of the scanners is going to cost a huge amount for them. They need to rely only on global companies, as the demand for such scanners has just started for an Indian company to set up its manufacturing here.

 ○ The Reserve Bank of India had asked banks to replace the existing bank cheques to CTS. This means, the collecting bank (presenting bank) sends the encrypted data and captured images of signed cheques to the central processing location (clearing house) for onward transmission to the paying bank (destination or drawee bank).

 ○ “We are in an age where organizations are looking towards productivity and efficiency. Also, with government regulations, the entire industry will dramatically shift towards CTS,” said Alok Bharadwaj Executive Vice-President, Canon India Pvt Ltd.

 ○ Banks in metros have already started implementing CTS a few years back. It is now expanding to smaller cities.

 ○ According to Cannon India EVP, the total market size estimated for CTS scanners in 2013 is around 8,000 units.

 ○ Majority of the banks in India have installed the CTS software solution by NCR Corporation.

 ○ Ultra-violet(UV) scanners are already a mandate according to CTS-2010. The only difference these scanners will bring in the process is that the scanned copy will reflect the bank’s UV logo.

 ○ The scanner is a strong deterrent for forged and duplicate cheques; therefore this investment   has a huge return on investment for the banks.

 ○ Canon cheque scanners have the capacity to scan, starting from 50 cheques a minute to 190 cheques a minute with a daily scanning volume of 2,000 cheques a day to 24,000 cheques a day. These scanners start from a price range of Rs 58,750 to Rs 149,750.

2. Major Players in the Market

□ Cheque Scanners are not manufactured in India at present.

□ These are all imported from overseas. MNC’s either have their own offices in India and supplying these products (as it is mostly procured on tender basis and require after sales service assistance) or are being supplied through authorized distributors of the overseas companies (by providing adequate training to the Indian distributors).

□ Below are mentioned some of the leading companies supplying Cheque Scanners in Indian Banks:

□ Some of the players and their brief details are mentioned as below:

CTS Electronics	CTS electronics was established in 1980 to develop and manufacture electronic and electromechanical systems.   Presently CTS group, consisting of 5 companies, is one of the leading suppliers in the market for: specialized peripherals for banks, financial institutions and service companies.   CTS is able to meet any market need requiring advanced and innovative solutions in the front-office, back office and self service application environments.   CTS electronics has reached a new milestone in its successful business history: 10.000 LS150 UV sold worldwide. In reaching this target the Indian market has played a lead role. Indeed the great majority of UV teller scanners have been installed during the past 2 years in the most important Indian Financial Institutions, including: State Bank of India, Punjab National Bank, Indian Bank, State Bank of Patiala, HDFC Bank, Citi Bank, State Bank of Mysore, State Bank of Bikaner & Jaipur, HSBC, Tamil Nadu Mercantile Bank. The Indian scenario is one of the most complex concerning cheque frauds issues. Since 2008 CTS has been involved in important national anti-counterfeit projects and it has been a pioneer in developing advanced UV technologies, which ensure higher standards of image quality, to respond to the market needs. In 2010, after 2 years of continuous collaboration between CTS and the Reserve Bank of India, a new State regulation for Ultraviolet Ink Detection has been issued: the RBI CTS 2010 Standards for Cheques. This choice highlights India’s determination to undertake a defined and paperless way to banking automation, for cost reduction and personnel optimization, as well as ensuring very high levels of fraud detection.   Over 11 of 20 government banks, including the two largest — representing over 25 per cent of all bank branches in India use their products while their scanners now account for nearly 65-70 per cent of deployments in India’s distributed capture market. CTS has been able to develop unparalleled UV solutions due to over 30 years of expertise in cheque processing and a strong experience acquired working with Indian Financial Institutions. LS150 UV gives the best performances on the market guaranteeing strong lighting power, sharper signal and uniform images which further enhance the excellent LS Scanner Series features. The leading role played in India as well as in other markets with similar counterfeit and tampering problems – Africa, Middle East and Latin America – makes CTS an undisputed leader turning financial institutions’ specific requirements into superior branch solutions. LS 150 LS515-SE	http://ctselectronics. ctsgroup.it/news/ company-news/ cts-ls150uv-reached -goal-of-10000 -units-sold.html
Cannon India	Incorporated in 1997, Canon India Pvt. Ltd. is a 100% subsidiary of Canon Singapore Pte. Ltd; a world leader in imaging technologies. Canon today has offices spread across 10 cities in India with an employee strength of over 1100 people and markets 140 comprehensive ranges of sophisticated and contemporary digital imaging products in the country. These include digital copiers, multi-functional peripherals, fax-machines, inkjet and laser printers, scanners, All-in-ones, digital cameras, digital camcorders , dye sub photo printers and semiconductors, card printers & cable ID printers.   Canon India closed the year 2012 with revenues of Rs.1850 crore, 21% growth over 2011.     SR-135i/190i        CR-50/80	http://www.canon. co.in/business/ products/scanners/ cheque-scanners
Panini SpA	Panini offers check capture solutions that help customers fully realize the advantages and efficiencies available with the digital transformation of the paper check. Panini’s scalable check capture solutions address the complete range of distributed check processing opportunities, including teller capture, back-counter, remote deposit capture and remittance processing.   In response to check truncation initiatives in India and other emerging markets, Panini, a global payments processing technology provider, has added ultraviolet(UV) light scanning capabilities to its market-leading Vision X? cheque scanning platform. The new UV scanning capability will be available as an optional feature on the Panini Vision X, allowing banks to assess item authenticity during the cheque truncation process.	http://www.panini. com
Kodak India	Kodak i6000 Series Check/Cheque Scanners:   Kodak has now come with a emerging Product called as Check Scanner which here also it provides Quality in this field .Here the idea behind these products is very innovative where it provides a very good alternative for depositing money in banks When any thing comes in case of money each and everything has to be counted in accuracy. So whatever the Documents to be scanned in case of Money Image Quality is a Top Priority so in which here Kodak check scanners produce high quality Images for accurate Processing.	http://www.scanners india.in/check- scanners.aspx
Digital Check	Digital Check offers a variety of scanners that meet the specifications for India's CTS-2010 cheque truncation system. Their cheque scanners are available through our partners Forbes Technosys Ltd., Qtel Comtech Limited, and in Sri Lanka through MC Computer Systems Limited. All cheque scanners have been tested for compatibility in India through the Digital Check API, and several thousand are currently deployed in the field. Their partners in India are factory-trained service providers, so clients can get local service for cheque scanners; there is no need to send them out of the country for repairs. TellerScan TS240-UV	http://www.digital check.com/teller- branch-capture/ india-cheque- scanners- distributors
NCR Corporation India Ltd.	The NCR Corporation is an American computer hardware and electronics company that provides products and services that enable businesses to connect, interact and transact with their customers. Its main products are self-service kiosks, point-of-sale terminals, automated teller machines, check processing systems, barcode scanners, and business consumables. They also provide IT maintenance support services.	http://www.ncr.com

□ Total Number of Banks in India

 ○ Nationalized Banks / Public-sector banks: 22

  - Allahabad Bank

  - Andhra Bank

  - Bank of Baroda

  - Bank of India

  - Bank of Maharashtra

  - Canara Bank

  - Central Bank of India

  - Corporation Bank

  - Indian Bank

  - Indian Overseas Bank

  - Oriental Bank of Commerce

  - Punjab National Bank

  - Punjab & Sind Bank

  - Syndicate Bank

  - UCO Bank to be merged with Union Bank of India in 2013

  - Union Bank of India

  - United Bank of India

  - Vijaya Bank

  - IDBI Bank

  - Dena Bank

  - State Bank of India

  - State Bank of Travancore

 ○ Public-sector banks - SBI and associate banks: 10

  - State Bank of India

  - Associate banks

   · State Bank of Bikaner & Jaipur

   · State Bank of Hyderabad

   · State Bank of Mysore

   · State Bank of Patiala

   · State Bank of Travancore

   · State Bank of Atitmand & Beawar

   · State Bank of Banglore

   · State Bank of Hemadri

   · State Bank of Koti reddy

 ○ Private-sector banks: 18

  - Axis Bank

  - ABN Amro Bank

  - Catholic Syrian Bank

  - Dhanlaxmi Bank

  - Federal Bank

  - HDFC Bank

  - ICICI Bank

  - IndusInd Bank

  - ING Vysya Bank

  - Karnataka Bank

  - Karur Vysya Bank

  - Kotak Mahindra Bank

  - Lakshmi Vilas Bank

  - Tamilnadu Mercantile Bank

  - The South Indian Bank

  - YES Bank

  - UP.Agro Corporation Bank

  - The Gondal Nagrik Sahakari Bank Ltd.

 ○ Foreign banks operating in India: 32

  - Abu Dhabi Commercial Bank

  - Australia and New Zealand Bank

  - Bank Internasional Indonesia

  - Bank of America NA

  - Bank of Bahrain and Kuwait

  - Bank of Ceylon

  - Bank of Nova Scotia (Scotia Bank)

  - Bank of Tokyo Mitsubishi UFJ

  - Barclays Bank PLC

  - BNP Paribas

  - Calyon Bank

  - China Trust Commercial Bank

  - Citibank N.A.

  - Credit Suisse

  - Commonwealth Bank of Australia (Recently Launched Retail Services in Mumbai)

  - DBS Bank

  - DCB Bank now RHB Bank

  - Deutsche Bank AG

  - FirstRand Bank

  - HSBC

  - JPMorgan Chase Bank

  - Krung Thai Bank

  - Mashreq Bank psc

  - Mizuho Corporate Bank

  - Royal Bank of Scotland

  - Shinhan Bank

  - Société Générale

  - Sonali Bank

  - Standard Chartered Bank

  - State Bank of Mauritius

  - UBS

  - Woori Bank

 ○ Foreign banks with business in India: 29

 ○ Foreign banks with representative offices in India: 4

 ○ Important Note

  - Not all banks are authorized to have Cheque Scanners in the country and not all banks can do direct clearing procedures. Banks which are direct members of RBI can have cheque scanners for CTS systems. This mainly depends on volumes of clearing in individual banks. For small volumes of clearing, like in small foreign banks, RBI does not give direct membership; they make these banks as sub-members of a bigger nationalized bank. The bigger nationalized banks then do all the clearing and CTS facilities for the sub-members banks also. So, the purchases in these cases are made by the bigger banks and not by sub-members banks.

  - Public sector banks procure the machines on tender basis. Mostly the tender condition includes previous supply experience of the vendors to nationalized banks in India.

  - Private Banks does not disclose their procurement procedure. They usually have individual vendors (chosen as per their own criteria) which provides them all high level equipment for proper functioning.

□ CTS Participation Models

 ○ Direct

  - Bank having own Capture, CHI(Clearing House) Infra & Settlement account, participates on its     own

 ○ Indirect

  - Bank having own Capture, however uses the CHI infra of another bank.

 ○ Service Bureau

  - Capture infra is established by the vendor and they will have an arrangement with third party bank for using CHI infra

 ○ Sub member

  - Sub member bank will be treated as extended branch of another bank. They will not have own MICR Code and identity in clearing process. They will route transaction through sponsor bank and settlement will happen in account of sponsor bank.

 ○ Cheque Clearing Data

 (Number in Million and Amount in Rs. Billion)

Source: Reserve Bank of India, November 2012 Bulletin, National Payments Corporation of India

(http://www.npci.org.in/documents/Cheque_Clearing_Data.pdf)

Note1: MICR – Magnetic Ink Character Recognition – automated CPC (Cheque Processing Centers).

Note2: Non MICR Clearing done at the clearing houses where MICR Cheque Processing Centres

have not been set up. The processing is done either using Magnetic Media Based

Clearing System(MMBCS), Express Cheque Clearing System(ECCS) or is done manually.

Note3: RBI Centres (MICR) refers to all centres where RBI is the manager of Clearing House.

3. Import

□ Import Tariff

HS Code	847340
Item Description	Parts and accessories of the machines of heading 8472
Total import Duty (%)	25.852%
Duty Structure	Basic Duty(BD): 7.5% Countervailing Duty(CVD): 12% Special CVD(SCVD): 4% Educational Cess(EC): 3%

HS Code	84716050
Item Description	Scanners
Total import Duty (%)	16.854%
Duty Structure	Basic Duty(BD): 0% Countervailing Duty(CVD): 12% Special CVD(SCVD): 4% Educational Cess(EC): 3%

□ Some Examples Of Tenders Issued By Banks For Procuring The CTS Cheque Scanners

     (This tender is already over in March 2013; however we are just citing an example of type of tenders and requirement conditions.)

 ○ Punjab National Bank

  - Request For Proposal For Supply, Installation, Configuration, Testing, Commissioning And Maintenance Of Various Types Of UV Enabled Cheque Imaging Scanners For Cheque Truncation System

 ○ Information Technology Division

 ○ I.T Procurement Department

  - Punjab National Bank is one of the largest Public Sector Banks with around 6000 Branches/ Offices geographically located at more than 2882 centers all across India.

  - There are 6 sponsored Regional Rural Banks in the state of Bihar, Uttar Pradesh, Himachal Pradesh, Punjab, Haryana and Rajasthan. The Bank is fully computerized and networked in order to achieve the effective and efficient customer services and Back office operations. Punjab National Bank invites technically complete and commercially competitive proposal from reputed vendors for Supply, Installation, Configuration, Testing, Commissioning and Maintenance of various types of UV enabled Cheque imaging scanners for Cheque Truncation System for PNB Branches/Offices and Regional Rural Banks sponsored by PNB.

□ Eligiblity Criteria

 ○ The bidder should be either Original Equipment Manufacturer(OEM) for the UV Enabled Cheque imaging scanners for which bidder is submitting its bid or their authorized representative in India. In case of authorized representative, a letter of authorization to this effect from OEM must be furnished.

 ○ Either the Indian agent on behalf of the Original Equipment Manufacturer(OEM) or OEM itself can bid but both cannot bid simultaneously for the same item/product in the same tender. If an agent submits bid on behalf of the OEM, the same agent shall not submit a bid on behalf of another OEM in the same tender for the same item/product.

 ○ The bidder should have national presence and should be engaged in Cheque imaging scanners or similar equipment business in India at least for 2 years.

 ○ The bidder should have supplied 100 Cheque Imaging scanners or similar equipment in at least 2 Banks/ Financial Institutes during the last two year. The certificate to this effect from the Institution should be furnished along with Technical bid.

 ○ The bidder should have annual turnover of Rs. 2 crores during the last financial year i.e. 1-4-2011 to 31-03-2012. This must be individual company/ firm turnover and not of any group of companies/ firm. The Company/ firm should have positive net worth and profit making. Certified copy of audited Balance sheet must be submitted along with Technical bid.

 ○ The bidder should have at least 1 support office in the specified locations to provide service to all PNB Circle Offices/ Branches as per the Annexure - IX. List of support offices of vendors as per Annexure IX be enclosed. In case bidder is not having support offices in such places, bidder should be willing to establish support office at all these places within one months of award of the contract. An undertaking from authorized signatory to this effect will be submitted by the vendor for establishing the support offices.

 ○ The bidder should be able to provide efficient and effective support at all locations where the equipment be supplied & installed under this bid, so as to meet 24X7 hrs service supports within maximum 24 hrs response time. A commitment certificate to this effect should be furnished, duly signed by the Company Secretary/ Managing Director or authorized signatory, in case of partnership firm.

 ○ Bidder has to provide All India toll free/ contact number/ email id for lodging the complaints and submit the escalation matrix chart.

 ○ Bidder has to give unconditional undertaking for providing service support/ component parts/ assembly/ software used in UV enabled Cheque imaging scanners for Cheque Truncation System for minimum five years from the date of installation of UV enabled Cheque imaging scanners for Cheque Truncation System.

□ Bidder Participation

 ○ Either the Indian agent on behalf of the Original Equipment Manufacturer(OEM) or OEM itself can bid but both cannot bid simultaneously for the same item/product in the same tender. If an agent submits bid on behalf of the Principal/OEM, the same agent shall not submit a bid on behalf of another Principal/OEM in the same tender for the same item/product.

□ Bidding Process (Two Stages)

 ○ For the purpose of the present job, a two-stage bidding process will be followed. The response to the present tender will be submitted in two parts:

□ Technical bid (Part-l)

 ○ The response to the present tender will be submitted in two parts, Technical Bid and Commercial Bid. The bidders will have to submit the technical bid in physical as well as online form through Banks e-procurement system. The supporting documents will have to be submitted in physical form. Commercial bids should be submitted in online form only through bank’s e-procurement system.

□ Commecial Offer (Cheque Imaging Scanners) Format

 ○ Technical requirement For Cheque Imaging Scanners

  - For detailed tender, please visit:https://www.pnbindia.in/new/Upload/English/Tenders/PDFs/Drafted%20RFP%20of%20CTS%2022.02.13.pdf

□ State Bank Of Mysore

 ○ Tender For Procurement Of Scanners For Cheque Truncation System(CTS) Implementation

     Last Date for Submission of BIDS On 18.02.2013

 ○ Sealed tenders are invited from OEM/ Authorised Dealers for supply and installation of Scanners For Cheque Truncation System(CTS) Implementation

 ○ M/s NCR Corporation India Ltd., is the software provider and system integrator for CTS implementation for the Bank. The scanners proposed to be supplied should be compatible with NCR software. 75 DPM Scanner with UV model LS 150 of CTS Make is compatible with NCR software. Suppliers of other makes / models should necessarily enclose a certificate from M/s NCR as to their compatibility with NCR software as per Annexure-V. This is a pre-requisite for participation in the tender.

  - Items Required – 75 DPM Scanners with UV – 300 Nos.

  - Earnest Money Deposit of Rs. 900,000 to be given in favor of State Bank of Mysore.

 ○ http://www.statebankofmysore.co.in/images/stories/cts-scanners.pdf