questof proposal for middleware for payment … middleware tender ii.pdfrtgs/neft please refer to...

HARYANA STATE COOPERATIVE APEX BANK LTD SCO 78-80, BANK SQUARE, SECTOR-17B, CHANDIGARH

Ph. 0172-2714520, 2704349 (FAX) [email protected]

NOTICE INVITING TENDERS

The e-tenders are hereby invited on behalf of Haryana State Cooperative Apex Bank

Ltd under Two Bid System (Technical Bid and Financial Bid) for the following works

to be carried out from the eligible parties as per details given below:-

Tender Ref. No. EDP/2018-19/Middleware II

Description of Item Requestof Proposal for Middleware for Payment system application for RTGS/NEFT Services of HARCO Bank and 19 DCCBs in State

Earnest Money Rs. 1,00,000/-

Tender Fee Rs. 5000/-

(Non-refundable)

e-service Fees Rs. 1000/-

(Non –refundable)

Start date and time of Bid 29.12.2018

preparation & submission on e-

procurement portal

Last date and time for Bid 19.1.2019 (17:00 hrs)

preparation & submission by bidders

Date and time of Tender Opening 21.1.2019 (14:00 hrs)

(Technical Bid Part-I)

Date and time of Tender Opening To be decided later on

(Financial Bid Part-II)

Last date and time for Earnest Money 19.1.2019 (17:00 hrs)

Deposit (EMD) of Bid submission

Pre-bid meeting 7.1.2019 (12:00 hrs) The complete bidding documents, fee details, technical specifications and key

dates can be viewed / downloaded from the web sites

https://haryanaeprocurement.gov.in and www.harcobank.org.in Bid through any

other mode shall not be entertained. Please note that Managing Director, HARCO

Bank reserves the right to accept or reject the tendering process at any stage

without assigning any reason whatsoever.

Managing Director Haryana State Cooperative Apex Bank Ltd. 1



KEY DATES

Sr. Department Stage Bidder's Stage Start date and Expiry date No. Time and time

1

Tender Document Download and Bid Preparation/Submission

29.12.2018 19.1.2019 (17:00 hrs)

2 Technical Bid Opening 21.1.2019 (14:00 hrs)

3 Financial Bid Opening To be intimated later on

Important Note: Under this process, the Pre-qualification/ Technical online bid Application as well as online

Price Bid shall be invited at single stage under two covers i.e. PQQ/Technical & Commercial

Envelope. Eligibility and qualification of the Applicant will be first examined based on the

details submitted online under first cover (PQQ or Technical) with respect to eligibility and

qualification criteria prescribed in this Tender document. The Price Bid under the second cover

shall be opened for only those Applicants whose PQQ/ Technical Applications are responsive

to eligibility and qualifications requirements as per Tender document. • The Applicants/bidders have to complete ‘Application / Bid Preparation &

Submission’ stage on scheduled time as mentioned above. If any Applicant /

bidder failed to complete his / her aforesaid stage in the stipulated online

time schedule for this stage, his / her Application/bid status will be

considered as ‘Applications / bids not submitted’. • Applicant/Bidder must confirm & check his/her Application/bid status after

completion of his/her all activities for e-bidding. • Applicant/Bidder can rework on his/her bids even after completion of

‘Application/Bid Preparation & submission stage’ (Application/Bidder Stage),

subject to the condition that the rework must take place during the stipulated

time frame of the Applicant/Bidder Stage.

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4.1 In the first instance, the online payment details of tender document fee + e-

Service and EMD & PQQ/Technical Envelope shall be opened. Henceforth

financial bid quoted against each of the item by the shortlisted bidder/

Agency wherever required shall be opened online in the presence of such

bidders/ Agency who either themselves or through their representatives

choose to be present. The bidder can submit online their bids as per the

dates mentioned in the schedule/Key Dates above.

4.2 The payment for Tender Document Fee and e-Service Fee shall be made by

eligible bidders online directly through Debit Cards & Internet Banking

Accounts and the payment for EMD can be made online directly through

RTGS/NEFT Please refer to ‘Online Payment Guideline’ available at the

Single e-Procurement portal of GoH (Govt. of Haryana) and also

mentioned under the Tender Document. 5. Intending bidders will be mandatorily required to online sign-up (create user account)

on the website https://haryanaeprocurement.gov.in to be eligible to participate in the

e-Tender. He / She will be required to make online payment of Rs. 1,00,000

towards EMD fee in due course of time. The intended bidder fails to pay EMD

fee under the stipulated time frame shall not be allowed to submit his / her

bids for the respective event / Tenders. 6. The interested bidders must remit the funds at least T+1 working day (Transaction day

+ One working Day) in advance i.e. on or before (19.1.2019 upto

1700hrs)andmake payment via RTGS /NEFT to the beneficiary account

number specified under the online generated challan. The intended bidder /

Agency thereafter will be able to successfully verify their payment online, and

submit their bids on or before the expiry date & time of the respective

events/Tenders at https://haryanaeprocurement.gov.in.

The interested bidders shall have to pay mandatorily e-Service fee (under

document fee – Non refundable) of Rs.1000/- (Rupee One Thousand Only) online by using

the service of secure electronic gateway. The secure electronic payments gateway is an

online interface between bidders & online payment authorization networks.

The Payment for document fee/ e-Service fee can be made by eligible bidders online directly through Debit Cards & Internet Banking.

The Bidders can submit their tender documents (Online) as per the dates mentioned in the key dates above. The bidders shall quote the prices in price bid format under Commercial Bid.

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INSTRUCTIONS TO BIDDER ON ELECTRONIC TENDERING SYSTEM

These conditions will over-rule the conditions stated in the tender documents, wherever relevant and applicable.

7. Registration of bidders on e-Procurement Portal:-

All the bidders intending to participate in the tenders process online are

required to get registered on the centralized e - Procurement Portal i.e.

https://haryanaeprocurement.gov.in. Please visit the website for more

details.

8. Obtaining a Digital Certificate:

8.1 The Bids submitted online should be encrypted and signed electronically with

a Digital Certificate to establish the identity of the bidder bidding online.

These Digital Certificates are issued by an Approved Certifying Authority, by

the Controller of Certifying Authorities, Government of India.

8.2 A Digital Certificate is issued upon receipt of mandatory identity (i.e.

Applicant’s PAN Card) and Address proofs and verification form duly attested

by the Bank Manager / Post Master / Gazetted Officer. Only upon the receipt

of the required documents, a digital certificate can be issued. For more

details please visit the website – https://haryanaeprocurement.gov.in.

8.3 The bidders may obtain Class-II or III digital signature certificate from any

Certifying Authority or Sub-certifying Authority authorized by the Controller

of Certifying Authorities or may obtain information and application format

and documents required for the issue of digital certificate from.

8.4 The bidder must ensure that he/she comply by the online available important

guidelines at the portal https://haryanaeprocurement.gov.in for Digital

Signature Certificate (DSC) including the e-Token carrying DSCs.

8.5 Bid for a particular tender must be submitted online using the digital

certificate (Encryption & Signing), which is used to encrypt and sign the data

during the stage of bid preparation. In case, during the process of a

particular tender, the user loses his digital certificate (due to virus attack,

hardware problem, operating system or any other problem) he will not be

able to submit the bid online. Hence, the users are advised to keep a backup

of the certificate and also keep the copies at safe place under proper

security (for its use in case of emergencies). 8.6 In case of online tendering, if the digital certificate issued to the authorized

user of a firm is used for signing and submitting a bid, it will be considered

equivalent to a no-objection certificate /power of attorney / lawful

authorization to that User. The firm has to authorize a specific individual

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through an authorization certificate signed by all partners to use the digital

certificate as per Indian Information Technology Act 2000. Unless the

certificates are revoked, it will be assumed to represent adequate authority

of the user to bid on behalf of the firm in the department tenders as per

Information Technology Act 2000. The digital signature of this authorized

user will be binding on the firm.

9. In case of any change in the authorization, it shall be the responsibility of

management / partners of the firm to inform the certifying authority about

the change and to obtain the digital signatures of the new person / user on

behalf of the firm / company. The procedure for application of a digital

certificate however will remain the same for the new user. 10. The same procedure holds true for the authorized users in a private/Public

limited company. In this case, the authorization certificate will have to be signed by the directors of the company.

11. Pre-requisites for online bidding:

In order to operate on the electronic tender management system, a user’s

machine is required to be set up. A help file on system setup/Pre-requisite

can be obtained from Nextenders (India) Pvt. Ltd. or downloaded from the

home page of the website - https://haryanaeprocurement.gov.in.. The link

for downloading required java applet & DC setup are also available on the

Home page of the e-tendering Portal. 12. Online Viewing of Detailed Notice Inviting Tenders:

The bidders can view the detailed N.I.T and the time schedule (Key Dates)

for all the tenders floated through the single portal eProcurement system on

the Home Page at https://haryanaeprocurement.gov.in. 13. Download of Tender Documents:

The tender documents can be downloaded free of cost from the eProcurement portal https://haryanaeprocurement.gov.in

14. Key Dates:

The bidders are strictly advised to follow dates and times as indicated in the

online Notice Inviting Tenders. The date and time shall be binding on all

bidders. All online activities are time tracked and the system enforces time

locks that ensure that no activity or transaction can take place outside the

start and end dates and the time of the stage as defined in the online Notice

Inviting Tenders.

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15. Online Payment of Tender Document Fee, eService fee , EMD fees & Bid

Preparation & Submission (PQQ/ Technical & Commercial/Price Bid):

i) Online Payment of Tender Document Fee + e-Service fee:

The online payment for Tender document fee, eService Fee & EMD can be

done using the secure electronic payment gateway. The Payment for Tender

Document Fee and eService Fee shall be made by bidders/ Vendors online

directly through Debit Cards & Internet Banking Accounts and the Payment

for EMD shall be made online directly through RTGS / NEFT. The secure

electronic payments gateway is an online interface between contractors and

Debit card / online payment authorization networks. ii) PREPARATION & SUBMISSION Of online APPLICATIONS/BIDS:

Detailed Tender documents may be downloaded from e-procurement website

(https://haryanaeprocurement.gov.in) and tender mandatorily be submitted

online.

Scan copy of Documents to be submitted/uploaded for Prequalification or

Technical bid under online PQQ / Technical Envelope: The

requireddocuments (refer to DNIT) shall be prepared and scanned in

different file formats (in PDF /JPEG/MS WORD format such that file size is

not exceed more than 10 MB) and uploaded during the on-line submission of

PQQ or Technical Envelope.

FINANCIAL or Price Bid PROPOSAL shall be submitted mandatorily online under Commercial Envelope and original not to be submitted manually)

16. ASSISTANCE TO THE BIDDERS:-

In case of any query regarding process of etenders and for undertaking

training purpose, the intended bidder can also avail the following and can

contact service provider as per below:

Office Timings of Help-desk support for Single e Procurement Portal

ofGovernment of Haryana- Technical Support Assistance will be available

over telephone Monday to Friday (09:00 am. to 5:30 pm) & Training

workshop will be conducted on every 1st, 2nd Wednesday (from 3:30 pm up-

to 5:00 pm).

All queries would require to be registered at our official email-

[email protected] for on- time support (Only those queries

whichare sent through email along with appropriate screenshots or error

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description will be considered as registered with the Help-desk)

Important Note:-

1. Any intending bidder can contact the helpdesk on or before prior to 4 hours of

the scheduled closing date & time of respective e-Auction/ Tender event.

2. For queries pertaining to e-Payment of EMD, please contact the helpdesk at least 2 business

days prior to the closing date & time of e-Auction/Tender event. 3. Help-desk support will remain closed during lunch break i.e. from 1:30 PM up to

2:15 PM on each working day. Schedule for Training:

Training workshop will be held on 1st, 2nd Wednesday (from 3:30 pm upto 5:00

pm) of each month at following addresses:

Nextenders (India) Pvt. Nextenders (India) Nextenders (India) Pvt. Ltd.,

Ltd Pvt.Ltd. Public Health Nirman Sadan (PWD B&R),

Municipal Corporation Division No. 2 Plot No.- 01, Basement,

Faridabad, Near Hisar, Model Town Opp. DakshinMarg, Sec- 33 A,

B.K.Chowk, Opp. N.D Gupta Hospital, Chandigarh -160020

B.K.Hospital, NIT, Hisar For Support- 1800-180-

Faridabad Contact: 9034357793 2097,

Contact no. 0172-2582008-2009

9310335475

For Support Call – 1800-180-2097

Haryana eProcurement Help Desk Office will remain closed on Saturday Sunday and National Holidays

NOTE:-Bidders participating in online tenders shall check the validity of his/herDigital Signature Certificate before participating in the online Tenders at the portal https://haryanaeprocurement.gov.in. For help manual please refer to the ‘Home Page’ of the e-Procurement website at https://haryanaeprocurement.gov.in, and click on the available link ‘How to...?’ to download the file.

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GUIDELINE FOR ONLINE PAYMENTS IN E-TENDERING

Post registration, bidder shall proceed for bidding by using both his digital

certificates (one each for encryption and signing). Bidder shall proceed to select

the tender he is interested in. On the respective Department’s page in the e-

tendering portal, the Bidder would have following options to make payment for

tender document & EMD:

A. Debit Card B. Net Banking C. RTGS/NEFT

Operative Procedures for Bidder Payments

A) Debit Card

The procedure for paying through Debit Card will be as follows.

i. Bidder selects Debit Card option in e-Procurement portal. ii. The e-Procurement portal displays the amount and the card charges to be

paid by bidder. The portal also displays the total amount to be paid by the bidder.

iii. Bidder clicks on “Continue” button iv. The e-Procurement portal takes the bidder to Debit Card payment

gateway screen. v. Bidder enters card credentials and confirms payment vi. The gateway verifies the credentials and confirms with “successful” or

“failure” message, which is confirmed back to e-Procurement portal. vii. The page is automatically routed back to e-Procurement portal viii. The status of the payment is displayed as “successful” in e-Procurement

portal. The e-Procurement portal also generates a receipt for all successful transactions. The bidder can take a print out of the same,

ix. The e-Procurement portal allows Bidder to process another payment attempt in case payments are not successful for previous attempt.

B) Net Banking

The procedure for paying through Net Banking will be as follows.

i. Bidder selects Net Banking option in e-Procurement portal. ii. The e-Procurement portal displays the amount to be paid by bidder. iii. Bidder clicks on “Continue” button iv. The e-Procurement portal takes the bidder to Net Banking payment

gateway screen displaying list of Banks 8



Bidder chooses his / her Bank The Net Banking gateway redirects Bidder to the Net Banking page of the

selected Bank Bidder enters his account credentials and confirms payment The Bank verifies the credentials and confirms with “successful” or

“failure” message to the Net Banking gateway which is confirmed back to e-Procurement portal.

The page is automatically routed back to e-Procurement portal The status of the payment is displayed as “successful” in e-Procurement

portal. The e-Procurement portal also generates a receipt for all successful transactions. The bidder can take a print out of the same.

The e-Procurement portal allows Bidder to process another payment attempt in case payments are not successful for previous attempt.

1.9. RTGS/ NEFT

The bidder shall have the option to make the EMD payment via RTGS/ NEFT.

Using this module, bidder would be able to pay from their existing Bank

account through RTGS/NEFT. This would offer a wide reach for more than

90,000 bank branches and would enable the bidder to make the payment

from almost any bank branch across India.

Bidder shall log into the client e-procurement portal using user id and

password as per existing process and selects the RTGS/NEFT payment option.

Upon doing so, the e-procurement portal shall generate a pre-filled challan. The challan will have all the details that is required by the bidder to make RTGS-NEFT payment.

Each challan shall therefore include the following details that will be pre-populated:

Beneficiary account no: (unique alphanumeric code for e-tendering) Beneficiary IFSC Code: Amount: Beneficiary bank branch: Beneficiary name:

The Bidder shall be required to take a print of this challan and make the

RTGS/NEFT on the basis of the details printed on the challan. The bidder would remit the funds at least T + 1 day (Transaction + One

day) in advance to the last day and make the payment via RTGS / NEFT to the beneficiary account number as mentioned in the challan.

Post making the payment, the bidder would login to the e-Tendering portal and go to the payment page. On clicking the RTGS / NEFT mode of

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payment, there would be a link for real time validation. On clicking the same, system would do auto validation of the payment made.

2.2. Over-the-Counter (OTC)

This solution shall allow the bidder having account with ICICI Bank, to make the

payment from any CMS enabled Branch of ICICI Bank in India. Bidders can make the payment via

cash (if amount is<=₹ 49,999), Demand Draft or ICICI Bank Cheque.

The procedure for paying through OTC mode is as follows:

2.3. Bidder selects Over-the-Counter remittance option in e-Procurement portal.

2.4. The e-Procurement portal displays the amount to be paid. Bidder chooses the bank account no. for refund of the amount.

2.5. Bidder clicks on “Continue” button 2.6. The e-Procurement portal displays the details of payment. Bidders clicks on

“print _challan” and prints the OTC challan. 2.7. Bidder submits the OTC challan at the counter of any designated

branch of ICICI Bank with Cash / Demand Draft / ICICI Bank Cheque (Payment in cash is allowed uptoRs. 49,999/-)

2.8. ICICI Bank verifies the URN (format to be discussed and decided) and Amount with e- Procurement portal prior to accepting the payment

2.9. On successful verification from e-Procurement portal, ICICI Bank accepts the payment. In case of failure, ICICI Bank shall return back the OTC challan and payment to the Bidder.

2.10. ICICI Bank will commit the payment transaction (in case of successful verification from e- Procurement portal) and sends the Bank Transaction Number (I-Sure Reference Number) online against the URN and Amount.\

ix. ICICI Bank will generate receipt for the payment transaction and issues the same to the Bidder.

3. The e-Procurement system updates the bank transaction number against the URN and Amount based on details sent by ICICI Bank online prior to generation of receipt.

4. The status of payment will be displayed as “verification successful” in e-Procurement portal, when the bidder clicks on verification option in the portal

5. Bidder would be required to upload the scan copy of receipt as received from ICICI Bank as part of proof in Nextender portal before submitting the tender

Sr. Scenario Do's / Don’t’s

no.

In the event Do’s

1 of making

Payment It is the bidder’s responsibility to ensure that RTGS/NEFT

through payments are made to the exact details as mentioned in

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NEFT/RTGS the challan which are: 1) Beneficiary account no: <client code> + <random number>

3.1.1 Beneficiary IFSC Code: As prescribed by ICICI Bank (this shall remain same across all tenders)

3.1.2 Amount: As mentioned on the challan. It is specific for every tender/transaction

3.1.3 Beneficiary bank branch: ICICI Bank Ltd, CMS 3.1.4 Beneficiary name: As per the challan

For every tender, details in the challan are different

and specific to that tender only. Bidder should not make use of a challan for making payment for another tenders’ EMD

It is advised that all the bidders make payment via RTGS/NEFT at least one day in advance to the last day of tender submission as certain amount of time is required for settlement and various parites are involved. The payment may not be available for the bidder validation. In such cases bidder may not be able to submit the tender

Bidder has to make only single payment against a

challan as per the amount mentioned on the challan.

Bidder must do the payment before tender validity gets expired

Don’t’s

Bidder should not enter erroneous details while filling the NEFT/RTGS form at their bank. The following possibilities may arise: 1) Incorrect IFSC code mentioned:- Transaction would

be rejected and the amount would be refunded back in to the bidders account

2) Incorrect Beneficiary account number mentioned(<client code> + <random number>):-a) In case, the beneficiary account number mentioned is incorrect the transaction would be rejected and the bid would not be accepted.

3) Incorrect Amount mentioned: The amount would be rejected if the amount mentioned in while making the payment is incorrect. Such cases will be captured as unreconciled transactions and will be auto-refunded directly to bidder’s account. In the event of any discrepancy, payment would not

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mailto:[email protected]



be considered and bidder would not be allowed to bid/ participate.

Bidder is not supposed to use challan generated in one tender for payment against another tender since details in the challan are unique to the tender and bidder combination.

Bidder must not make multiple or split payments against a

particular challan. Any split payment received against the same challan will be refunded back to the bidder.

Bidder would not be entitled to claim that he is

deprived of participating in the tender because his funds are blocked with the division on account of incorrect payment made by the bidder

Do’s

It is the bidder’s responsibility to ensure that OTC

payments are made to the exact details as mentioned

in the challan which are:

In the event Beneficiary account no: <client code> + <random

of making number> Amount: As mentioned on the challan It is

specific for every tender/transaction Beneficiary name:

2 Payment

As per the challan Bidder has to make only single

Through

payment against a challan as per the amount mentioned

OTC

on the challan

Bidder must do the payment before tender validity gets expired

Bidder needs to mandatorily upload the scan copy of

the payment receipt issued by ICICI Bank, in Nextender Portal before submitting the Tender

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HARYANA STATE COOPERATIVE APEX BANK LTD SCO 78-80, BANK SQUARE, SECTOR-17B,

CHANDIGARH Ph. 0172-2714520, 2704349 (FAX)

[email protected]

Don’t’s

If the bidding amount is greater than Rs49,999, then Bidder should not make payment in cash. In this case, Bidder should pay via Demand Draft/ICICI Bank Cheque

It is bidders’s responsibility to ensure that Demand draft

should be valid and should not have discrepancies such as signature not found, stale DD, mutilated, material alteration, favouring third party etc., In the event of Demand Draft returned by bidder’s Bank on account of such discrepancies, ICICI Bank shall ensure that such communication is sent to the Client within 3 days from the date of rejection by the Bidder’s Bank

For every tender, details in the challan are different

and specific to that tender only. Bidder should not make use of a challan for making payment for another tenders’ EMD

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The Haryana StateCo-operative Apex Bank Ltd. HO: SCO 78-80, Bank Square, Sector 17B,

Chandigarh, 160017, India.

Phone No: 0172-2713293, Fax No:0172-2702178

E-Mail: [email protected]

REQUEST FOR PROPOSAL [RFP]

For Middleware for Payment system application for RTGS/NEFT Services

This document is the property of the HARCO Bank. It may not be copied, distributed or recorded

on any medium, electronic or otherwise, without the written permission. Use of contents given in

this document, even by the authorized personnel/agencies for any other purpose other than the

purpose specified herein, is strictly prohibited as it shall amount to copyright violation and thus

shall be punishable under the Indian law.

RFP For Middleware for Payment system application for RTGS/NEFT Services

TABLE OF CONTENTS

Glossary

Invitation for Bids

Background

Instructions to Bidders

Scope of Work

Bid Evaluation Methodology

Annexures:

Annexure-1

Annexure-2

Annexure-3

Annexure-4

Annexure-5

Annexure-6

Annexure-7

Annexure-8

Annexure-9

Annexure-10

Annexure-11


GLOSSARY

HARCO The Haryana State Co-op Apex Bank Ltd. Chandigarh,

EMD Earnest Money Deposit

Bidder/Vendor An eligible entity or combination of Original Software

Developer / Service Provider/ System Integrator submitting

a Proposal / Bid in response to this RFP

RFP Request for Proposal

SLA Service Level Agreement

LAN Local Area Network

WAN Wide Area Network

CBS Core Banking Software

O&M Operation and Maintenance

Supplier/

Contractor/ Vendor

Selected Bidder/System Integrator under this RFP

Bank/ Purchaser Reference to the “the Bank”, “Bank” and “Purchaser” shall

bedetermined in context and may mean without limitation

“The Haryana State Co-op Apex Bank Ltd”

Proposal/ Bid The Bidder’s written reply or submission in response to this

RFP

RFP The request for proposal (this document) in its entirety,

inclusive of any addendum that may be issued by the Bank.

Solution/ Services/

Work/ System

“Solution” or “Services” or “Work” or “System”means all

services, scope of work and deliverables to be provided by

a Bidder as described in the RFP and include services

ancillary to the development of the solution, such as

installation, commissioning, integration with existing

systems, provision of technical assistance, training,

certifications, auditing and other obligation of the Supplier

covered under the RFP.

Annual

Maintenance

Contract (AMC)

It would be the annual cost of maintenanceof Software

solution / Service.


INVITATION FOR BIDS

E-Tenders are invited from eligible bidders for supply, implementation and support services of

Middleware for Payment system application for RTGS/NEFT Services application/s for the

Haryana State Co-operative Bank and sub membership of 19 District Central Co-operative

Banks in Haryana.

a. Purpose of this RFP:

The purpose of the RFP is to select a vender who would provide following services

With recent initiatives of Government of India and Reserve Bank of India towards

achieving 100% Financial Inclusion and electronic mode of Payment systems, Indian

payment system pose significant changes both in volume and amount. A number of

channels have been introduced by different departments. With the rapid adaption of mobile

technology and e-Mode of payments by Corporate and General Public, it is also expected to

increase enormously in recent future.

To cope with these different types of e-channels / Payment system and seamlessly integrate

with CBS and other host system, Bank wishes to implement a Middleware for Payment

system application for RTGS/NEFT Services solution which will take care the present

requirement and also able to handle all such future requirements as enumerated in Project

Scope.

This RFP is intended to invite Techno-Commercial Bids from eligible bidders to provide

implementation of Middleware for Centralized Payment Hub for sub membership of

RTGS/NEFT Services to DCCBs. The system should be accessible through Bank’s existing

WAN (MPLS).

Bank will provide the requisite environment for installation of Payment HUB. However,

installation, configuration and optimization for hardware, system software and application

software will be bidder’s responsibility.

b. Information Provided:

The Request for Proposal document contains statements derived from information that is

believed to be relevant at the date but does not purport to provide all of the information that

may be necessary or desirable to enable an intending contracting party to determine

whether or not to enter into a contract or arrangement with the HARCO Bank. Neither the

HARCO Bank nor any of its employees, agents, contractors, or advisers gives any

representation or warranty, express or implied, as to the accuracy or completeness of any

information or statement given or made in this document. Neither the HARCO Bank nor

any of its employees, agents, contractors, or advisers has carried out or will carry out an

independent audit or verification exercise in relation to the contents of any part of the

document.

c. Costs to be borne by Bidders:

All costs and expenses incurred by Bidders in any way associated with the development,

preparation, and submission of responses, including but not limited to; the attendance at

meetings, discussions, demonstrations, etc. and providing any additional information

required by HARCO Bank, will be borne entirely and exclusively by the Bidder.


d. No Legal Relationship: No binding legal relationship will exist between any of the

Bidders and HARCO Bank until execution of a contractual agreement/contract.

e. Acceptance of Terms: A Bidder will, by responding to HARCOBank for RFP, be deemed

to have accepted the terms of this Introduction and Disclaimer.

f. HARCO Bank shall be free to procure all items/services or selected items/ services as per

its requirement or may also decide not to procure any items/services, without giving any

reason what so ever.

g. Bidder Obligation to Inform: The Bidder must conduct their own investigation and

analysis regarding any information contained in the RFP document and the meaning and

impact of that information.

h. Evaluation of Offers: Each Bidder acknowledges and accepts that HARCO Bank may in

its absolute discretion apply selection criteria specified in the document for evaluation of

proposals for short listing/selecting the eligible vendor(s). The RFP document will not form

part of any contract or arrangement, which may result from the issue of this document or

any investigation or review, carried out by a Bidder.

i. Errors and Omissions: Each Bidder should notify HARCO Bank of any error, omission,

or discrepancy found in this RFP document.

j. Disclaimer: Subject to any law to the contrary, and to the maximum extent permitted by

law, HARCO Bankand its officers, employees, contractors, agents, and advisers disclaim

all liability from any loss or damage (whether foreseeable or not) suffered by any person

acting on or refraining from acting because of any information including forecasts,

statements, estimates, or projections contained in this RFP document or conduct ancillary

to it whether or not the loss or damage arises in connection with any negligence, omission,

default, lack of care or misrepresentation on the part of HARCO Bank or any of its officers,

employees, contractors, agents, or advisers.

k. Requests for Proposal: Bidders are required to direct all communications related to this

RFP, through the Nominated Point of Contact person.

Contact Details:-

Position: Manager (Information Technology)

Email: [email protected]

Telephone: +91-8557944616

Fax: 0172- 2707178

Website: www.harcobank.org.in

HARCO Bank may, in its absolute discretion, seek additional information or material from and

Bidders after the RFP closes and all such information and material provided must be taken to

form part of that Bidder’s response. Bidders should provide details of their contact person,

telephone, fax, email and full address(s) to ensure that replies to RFP could be conveyed

promptly.If HARCO Bank, in its absolute discretion, deems that the originator of the question

will gain an advantage by a response to a question, then HARCO Bank reserves the right to

communicate such response to all Bidders.


HARCO Bankmay, in its absolute discretion, engage in discussion or negotiation with any

Bidder (or) simultaneously with more than one Bidder after the RFP closes to improve or

clarify any response.

l. Notification:HARCOBank will notify all short-listed Bidders in writing or by mail as soon

as practicable about the outcome of their RFP. HARCO Bankis not obligated to provide

any reasons for any such acceptance or rejection.

INSTRUCTIONS TO BIDDERS

a. Amendment to the bidding document: At any time prior to the deadline for submission

of Bids, HARCO Bank for any reason may modify the Bidding Document, by amendment.

The amendment will be posted on bank’s website i.e. www.harcobank.org.in All Bidders

must ensure that they have considered such clarifications before submitting the bid.

HARCOBank will not have any responsibility in case any bidder does some omission.

In order to allow prospective Bidders reasonable time in which to take the amendment into

account in preparing their Bids, HARCO Bank, at its discretion, may extend the deadline

for the submission of Bids.

b. Language of Bid: The bid prepared by the Bidders, as well as all correspondence and

documents relating to the Bid exchanged by the Bidder and HARCO Bankand supporting

documents and printed literature shall be written in English.

c. Documents Comprising the Bid: The bid consists of two proposals viz., technical

proposal and commercial proposal.

d. Documents comprising the TECHNICAL PROPOSAL should be:

1. Documentary evidence establishing that the Bidder is eligible to Bid and is qualified to

perform the contract i.e. minimum eligibility criteria as per Annexure –2 .

2. Technical Bid as per Annexure –3 and Annexure-4. Any technical Bid containing price

information will be rejected.

3. Masked Price Bid listing all the components as listed in Commercial Bid, without

indicating the price as per Annexure – 6

4. Authorization certificate/ letter from OEM vender for being their authorized technical

partner for providing support for equipment’s as per Annexure – 7.

e. Documents comprising the COMMERCIAL PROPOSAL should be:

i. Complete commercial bid as per Annexure – 6.

ii. Bid Currency: Bids to be quoted in Indian Rupee (`INR) only.


f. Period of Validity of Bids: Prices and other terms offered by Bidders must be firm for an

acceptance period of six (6) months from date of closure of this RFP. In exceptions

circumstances HARCO Bank may solicit the Bidders consent to an extension of the period

of validity. The request and response thereto shall be made in writing. The Bid security

provided shall also be extended accordingly.

g. Format and Signing of Bid: Each bid shall be in two parts:

Part 1: consists of Minimum Eligibility Criteria, Technical BID and Masked

Commercial BID [price bids without any price but all other details of commercial

bid]. The above contents will be referred to as “TECHNICAL PROPOSAL”

Part 2: Covering only the COMMERCIAL BID herein referred to as

“COMMERCIAL PROPOSAL”

The Original Bid shall be signed along with proper seal by the authorized

representative of the Bidder. The person or persons signing the Bids shall initial all

pages of the Bids. Any change/ up-dation /modification/deletion, in the original bid

by the bidder may result in the rejection of the bid.

h. Sealing and Marking of Bids: The Bidder shall submit online envelopes containing

Technical and commercial proposals separately.

i. Deadline for submission of Bids

The bids must be submitted online not later than the due date mentioned in the Schedule of

Events column [Last date of Submission]. In the event of the specified date for the

submission of bids, being declared a holiday for the HARCO, the bids will be received

online up to the appointed time on the next working day. The HARCO may, at its

discretion, extend the deadline for submission of Bids by amending the Bid Documents, in

which case, all rights and obligations of the HARCOand Bidders previously subject to the

deadline will thereafter be subject to the deadline as extended.

j. Late Bids: Any bid submitted online/offline after the deadline for online submission of

bids prescribed by the HARCOwill not be accepted. All responses received after the due

date / time will be considered late and will not be accepted or opened

k. Disqualification

1. Submitted the Bid without tender document fees of Rs. 5000/- (Rupees Five

Thousand Only).

2. Submitted Bid document, which is not accompanied by required documentation,

Earnest Money Deposit (EMD) and is non-responsive.

3. Made misleading or false representations in the forms, statements and attachments

submitted in proof of the eligibility requirements.


4. If found to have a record of poor performance such as abandoning works, not

properly completing the Contract, inordinately delaying completion, being involved

in litigation or financial failures, etc at the time of bidding.

5. Failed to provide clarifications Undertaking, OEM Authorization, etc. requested

document such related thereto, when sought

6. If the Bidder quoted prices in Technical Bid.

7. Applicants who are found to canvass, influence or attempt to influence in any manner

the qualification or selection process, including without limitation, by offering bribes

or other illegal gratification, shall be disqualified from the process at any stage.

8. Submitted a conditional Bid.

9. A Bid not valid for at least six months shall be considered as non-responsive and

would be disqualified.

l. Rejection Criteria: Bids may be rejected under the following circumstances:

A. Technical Rejection Criteria

1. Technical Bid containing commercial details.

2. Revelation of Prices in any form or by any reason before opening the Financial

Bid.

3. Failure to furnish all information required by the RFP Document or submission

of a Bid not substantially responsive in every respect.

4. Bidders not quoting for the complete Scope of Work as indicated in the Bid

documents,

5. Addendum (if any) and any subsequent information given to the Bidder.

6. Bidders not complying with the Minimum Eligibility, Technical criteria and

General Terms and conditions as stated in the RFP Document.

7. The Bidder not conforming to unconditional acceptance of full responsibility of

providing services in accordance with the Scope of work and Service Level

Requirements as mentioned in this RFP.

8. If the Bid does not adhere to the timelines indicated in the bid

B. Commercial Rejection Criteria

1. Incomplete Price Bid

2. Price Bids that do not conform to the Commercial Bid format (Refer

‘Commercial Bid’)

3. Commercial bid does not include all statutory taxes and levies currently

applicable.

m. Failure to agree with the Terms & Conditions of the RFP/Contract: Failure of the

bidder to agree with the Terms & Conditions of the RFP/Contract shall constitute

sufficient grounds for the annulment of the award of tender, in which event the tender may

be awarded to the Bidder as ranked second by the Bid Evaluation Committee constituted

for the evaluation of the bids.

n. Modification And / Or Withdrawal of Bids: The Bidder may modify or withdraw its bid

after the bid’s submission, provided that written notice of the modification including


substitution or withdrawal of the bids is received by the HARCO, prior to the deadline

prescribed for submission of bids.

The Bidder modification or withdrawal notice shall be prepared, sealed, marked and

dispatched. A withdrawal notice may also be sent by Fax, but followed by a signed

confirmation copy, postmarked not later than the deadline for submission of bids.

No bid may be modified after the deadline for submission of bids.

No bid may be withdrawn in the interval between the deadline for submission of bids and

the expiration of the period of bid validity specified by the bidder on the bid form.

Withdrawal of a bid during this interval may result in the bidder’s forfeiture of its EMD

and blacklist the vendor.

The HARCO has the right to reject any or all tenders received without assigning any reason

whatsoever.

HARCOshall not be responsible for non-receipt / non- delivery of the bid documents due

to any reason whatsoever.

o. Opening of BIDs by HARCO

On the scheduled date and time, bids will be opened by the HARCO in presence of

Bidders’ representatives; maximum of two people from a bidder are allowed to attend the

BID Opening event. In case of the absence of the representative(s) of the bidder(s) the bid

shall be opened at the scheduled time in their absence.

No bid shall be rejected at bid opening, except for late bids, which shall be returned

unopened to the Bidder. Bids that are not opened at Bid opening shall not be considered

further for evaluation, irrespective of the circumstances. Withdrawn bids will be returned

unopened to the Bidders.

p. Clarification of bids

During evaluation of Bids, HARCO, at its discretion, may ask the Bidder for clarification

of its Bid. The request for clarification and the response shall be in writing (Fax/e-Mail),

and no change in the substance of the Bid shall be sought, offered or permitted.

q. Preliminary Examinations

The HARCO will examine the Bids to determine whether they are complete, the

documents have been properly signed, supporting papers/documents attached and the bids

are generally in order. The HARCOmay, at its sole discretion, waive any minor infirmity;

nonconformity or irregularity in a Bid, which does not constitute a material deviation,

provided such a waiver, does not prejudice or affect the relative ranking of any Bidder.

Prior to the detailed evaluation, The HARCO will determine the substantial responsiveness

of each Bid to the Bidding document. For purposes of these Clauses, a substantially


responsive Bid is one, which conforms to all the terms and conditions of the Bidding

Document without material deviations.

Deviations from or objections or reservations to critical provisions, such as those

concerning Bid Security, performance security, qualification criteria, insurance, Force

Majeure etc will be deemed to be a material deviation. The HARCO’s determination of a

Bid's responsiveness is to be based on the contents of the Bid itself, without recourse to

extrinsic evidence. The HARCO would also evaluate the Bids on technical and functional

parameters including possible visit to inspect live site/s of the bidder, witness demos,

bidders presentation, verify functionalities / response times etc.

If a Bid is not substantially responsive, it will be rejected by the HARCO and may not

subsequently be made responsive by the Bidder by correction of the nonconformity.

The Bidder is expected to examine all instructions, forms, terms and specification in the

Bidding Document. Failure to furnish all information required by the Bidding Document

or to submit a Bid not substantially responsive to the Bidding Document in every respect

will be at the Bidder's risk and may result in the rejection of its Bid.

r. Bid Evaluation

Evaluation criteria proposed to be adopted will be lowest Cost Based System subject to

fulfillment of Minimum Eligibility & Technical Bid criteria. However bank does not bind

itself to accept the lowest or any tender and reserves the right to accept or reject any or all

of the tenders, either in whole or in part without assigning any reasons for doing so.

s. Arithmetic errors correction

Arithmetic errors, if any, in the price breakup format will be rectified on the following

basis:

If there is discrepancy between the unit price and the total price, which is obtained by

multiplying the unit price with quantity, the unit price shall prevail and the total price shall

be corrected unless it is a lower Figure. If the supplier does not accept the correction of

errors, its bid will be rejected.

If there is discrepancy in the unit price quoted in figures and words, the Unit price, in

figures or in words, as the case may be, which Corresponds to the total bid price for the

item shall be taken as correct.

If the bidder has not worked out the total bid price or the total bid price does not

correspond to the unit price quoted either in words or figures, the unit price quoted in

words shall be taken as correct.

HARCO may waive off any minor infirmity or nonconformity or irregularity in a bid,

which does not constitute a material deviation, provided such a waiving, does not

prejudice or affect the relative ranking of any bidder.


t. HARCO right to accept or reject any bid or all bids

The HARCO reserves the right to accept or reject any bid and annul the bidding process or

even reject all bids at any time prior to award of contract, without thereby incurring any

liability to the affected bidder or bidders or without any obligation to inform the affected

bidder or bidders about the grounds for the purchaser's action.

The HARCO is not bound to accept lowest or any BID received.

Any alterations/change/modification/addition/deletion in the originally tender document

will not be considered and unconditionally rejected.

u. EARNEST MONEY DEPOSIT (EMD)

Bidder has to submit online the Bid Earnest Money of Rs. 1,00,000/- (Rupees One Lakh

Only). The Technical Proposals without EMD will be rejected straight away. No interest

will be paid on the EMD.

The EMD deposited by the Vendor may be forfeited if the selected vendor fails to

comply terms and conditions and obligations of the service contract/tender document/SLA.

There is no exemption for payment of EMD on any category.

v. IPR Infringement

As part of this project, Bidder will deliver different hardware/software. If the use of any

such hardware/software by the HARCO, infringes the intellectual property rights of any

third person, Service provider shall be primarily liable to indemnify Client to the extent of

direct damages against all claims, demands, costs, charges, expenses, award,

compensations etc. arising out of the proceedings initiated by third party for such

infringement, subject to the conditions the claim relates to hardware/software

provided/used by Bidder/Service provider under this project.

w. Limitation of liabilities

Save and except the liability under IPR Infringement, in no event shall either party be

liable with respect to its obligations under or arising out of this agreement for

consequential, exemplary, punitive, special, or incidental damages, including, but not

limited to, loss of data / programs or lost profits, loss of goodwill, work stoppage, machine

failure, loss of work product or any and all other commercial damages or losses whether

directly or indirectly caused, even if such party has been advised of the possibility of such

damages. The aggregate liability of Bidder/Service Provider, arising at any time shall not

exceed the total contract value.

x. Jurisdiction of courts:

All legal suits, actions or proceedings relating to or arising out of the agreement/contract

shall be subject to jurisdiction of the courts in Chandigarh only.


y. Force Majeure

The Bidder shall not be liable for forfeiture of its performance security, liquidated

damages or termination for default, if and to the extent that its delay in performance or

other failure to perform its obligations under the contract is the result of an event of Force

Majeure. For purposes of this Clause, “Force Majeure” means an event beyond the control

of the Bidder and not involving the Bidder’s fault or negligence and not foreseeable. Such

events may include, but are not limited to, Acts of God or of public enemy, acts of

Government of India in their sovereign capacity, acts of war, acts of ATW either in fires,

floods, earthquake, strikes, lock-outs.

If a Force Majeure situation arises, the Bidder shall promptly notify the HARCOin writing

of such conditions and the cause thereof within twenty calendar days. Unless otherwise

directed by the HARCOin writing, the Bidder shall continue to perform its obligations

under the Contract as far as it is reasonably practical, and shall seek all reasonable

alternative means for performance not prevented by the Force Majeure event.

Notwithstanding above, the decision of the HARCO shall be final and binding on the

Bidder.

In the event HARCO, Chandigarh coming to know at any time that any wrong information

in respect of the contract is provided by the bidder in the offer, then HARCO may solely at

its discretion, reject the offer and invoke the Bank guarantee or forfeit the earnest money

deposit, furnished by the bidder.

z. Arbitration

If any dispute, difference or question shall at any time arise between the parties as to this

purchase/supply/services or concerning anything herein contained or arising out of this

Agreement or as to the rights, liabilities and duties of the parties associated, the decisions

of Chairman/Administrator, HARCO shall be final and binding to all under the Arbitration

& Conciliation Act, 1996.

aa. Other terms

o The Vendor shall allocate sufficient resources and be able to quickly mobilize them

in order to ensure the objectives of this project are met in accordance with the

highest professional standards.

o The vendor must agree not to announce, discuss or disclose to any other party else

than the consortium partner; the existence of this RFP or any information regarding

HARCObusiness or requirements.

o The Bank expects the vendor to adhere to the terms of this Request for Proposal

(RFP) and would not like or accept any deviations to the same.

o The Bank intends the vendor appointed under the RFP shall have the single point

responsibility for fulfilling all obligations and providing all deliverables and

services required.


o Unless agreed to specifically by the Bank in writing for any changes to the RFP

issued, the vendor responses would not be incorporated automatically in the RFP

document.

o Unless expressly overridden by the specific agreement to be entered into between

the Bank and the vendor, the RFP shall be the governing document for arrangement

between the Bank and the vendor.

o All responses including commercial and technical bids would be deemed to be

irrevocable offers/proposals from the vendor and may if accepted by the Bank form

part of the final contract between the Bank and the selected vendor. Vendors are

requested to attach a letter from an authorized signatory attesting the veracity of

information provided in the responses. Unsigned responses would be treated as

incomplete and are liable to be rejected.

o Any technical or commercial bid, submitted cannot be withdrawn / modified after

the last date for submission of the bids.

o The Bank is not responsible for any assumptions or judgments made by the vendor

for arriving at any type of sizing or costing. The Bank at all times will benchmark

the performance of the vendor to the RFP documents circulated to the vendor and

the expected service levels as mentioned in these documents. In the event of any

deviations from the requirements of these documents, the vendor must make good

the same at no extra costs to the Bank, in order to achieve the desired service levels

as well as meeting the requirements of these documents. The Bank shall not be

responsible for any assumptions made by the vendor. The Bank’s interpretation will

be final.

o The draft of SLA will be made available to the successful vendor.

o The proposal made in respect to this RFP along with all enquiries and

correspondence regarding this document should be addressed to:

The Managing Director

The Haryana State Co-op Apex Bank Ltd.,

SCO 78-80, Bank Square, Sector 17B,

Chandigarh, 160017,India.

o The Bank reserves its right to cancel the order in the event of one or more of the

following situations, that are not occasioned due to reasons solely and directly

attributable to the Bank alone:

Delay in rendering Warranty/AMC services beyond the specified period that

is agreed in the RFP or Service Level Agreement that will be signed with

the successful vendor.

Serious discrepancy in the quality of service / software expected during the

Warranty/AMC services.

Any information, considered sensitive by the HARCO, must be protected,

by the vendor, from unauthorized disclosure, modification or access.

Types of sensitive information that will be found on Bank systems the

vendor may support or have access to include, but are not limited to:

Information subject to special statutory protection, legal actions, disciplinary

actions, complaints, IT security, pending cases, civil and criminal

investigations, etc.


SCOPE OF WORK

1. The scope of work of the RFP covers:

The successful bidder will be responsible for delivery, implementation / installation of System

software, Middleware for Payment system application for RTGS/NEFT Services and

development / customization of respective Payment Solution module. The integration of this

middleware software with Bank’s CBS system and interface with respective Payment Gateway

will be the responsibility of the bidder. The bidder also provide requisite maintenance and

support services for a period of 5 (Five) years (including warranty period) from the date of

Acceptance by the Bank. The delivery and installation should be done at their own DC & DR

site.

The bidder should be agreeable to provide any such future requirement and also address the

changes as per the requirement of RBI / other Payment originator / regulator. However, the

changes to be incorporated after finalization and approval of detail scope document by Bank

will be treated as Change Request.

Delivery and Implementation schedule:

All items must be delivered FOR location as Chandigarh.

Bank will not provide road permit or any designated forms for whatever purpose they

may be, of the State or Central government.

Bank will not provide any lodging, boarding, additional charges whatsoever to the

integration team of successful bidder.

The Supply, Installation, Testing and Commissioning must be completed within four

weeks of the date of purchase order.

The System Integration work (Integration, commissioning and testing work) for

implementation must be completed within six weeks from the date of purchase order.

HARCO would carry out user acceptance test (UAT) and will run the entire system for

a period of one month.

Sub Contract in any form is not allowed.

WARRANTY & AMC:

WARRANTY: Software shall carry free warranty of one year comprehensive onsite

which will start from the date of installation. However, all software are to be properly

supported by the vendor irrespective of non-claiming / non-renewal of ATS in time.

This should include Software Maintenance (technical support and product upgrades &

software upgrades). Flexible, easy-to-access, responsive, cross-platform customer

support. Access to software technical support for all of a customer's designated IT staff.

24x7 access to support resources for business-critical outages. Including self-help via

the Internet.

AMC: The vendor(s) should mention the Cost of AMC after warranty clearly in the

Commercial Bid. AMC would cover all components without any exception.


a. Training & Documentation:

The successful bidder shall provide complete documentation and training on operations of

hardware, software and all other Components etc., supplied by them, to the bank’s

officers/ IT team of the bank.

e. UAT Committee: A UAT Committee would be formed with representatives of the

HARCO to undertake UAT & resolve all the issues during implementation /

Commissioning / Acceptance / payments etc. The Committee shall conduct meet till the

entire project is completed and UAT is carried out. Subsequent to acceptance, the UAT

committee will meet to review the performance of the Payment system application.

Quantity of Purchase: HARCO shall be free to procure all items/services or selected items/

services as per its requirement or may also decide not to procure any items/services, without

giving any reason what so ever.

2. Payment Terms:

The payment will be made as under:- - 30% on delivery and installation of application and on acceptance by the Bank - 30% on successful UAT sign off

- 30% after Go live -10% after successful running for 3 month.

Payment of AMC will be done yearly in arrear after submission of Invoice to HO

Department on yearly basis.

3. Penalty Clause:

3.1 Penalty for Delivery The system is to be delivered within stipulated time from the date of order:-

i. For this purpose, delivery means delivery of all the ordered application software

including the set of document/CDs/DVDs on operational use of the application software, one set of cartridge tapes/CD/DVD ROM containing the original system software and all the relevant documentation.

ii. If the bidder fails to deliver within stipulated time schedule, the purchaser shall, without

prejudice to its other remedies under the rate contract, deduct penalty at the rate of 1% of

the order value of undelivered application software for per week of delay, as late delivery

charges until actual delivery of the application software subject to a maximum of 10% of

the order value.

iii. The Bank is entitled to withhold (deduct) from the purchase price or any other amount, which is due to bidder from the contract.

iv. The Bank reserves the right to cancel the order in case complete delivery/services are not

affected within the stipulated time.


3.2 Penalty for installation Penalty will be charged @1% per week of order value delay in installation, subject to maximum 10% of total cost (out of total order value), which will be over & above the late delivery charges.

3.3 Penalty for Downtime

Bidder has to guarantee minimum uptime of 99% quarterly during services period (warranty &

AMC). For calculation purpose of up time, Bank will consider business hours 10AM to 5PMon

all working days. It will be calculated on quarterly basis. Bank will charge penalty in case of not

meeting the uptime requirements. During the contract period (warranty + AMC) for every fall of 1% up-time, charges will be

deducted @ 1% of the cost total order value subject to maximum 10%.

3.4 Recovery of Penalty: (I) During warranty Period: Amount of penalty will be recovered from vendor, on demand

from Bank. The vendor undertakes to pay the penalty amount as prescribed by the Bank. Bank reserve the right to invoke the Bank Guarantee for recovering the penalty amount.

(II) During AMC Period: Amount of penalty as per above clauses will be recovered/adjusted

while making payment of the next renewal of AMC. In case of non-renewal of AMC,

vendor will submit an unconditional undertaking to pay the pending penalty amount or

damages immediately after demand from AUGB. The Bank reserves the right to recover the penalty amount by any mode such as adjusting

from any payments to be made by the Bank to the Bidder.

4. Forfeiture of Performance Security

Security amount in full or part may be forfeited in the following cases:

a) When the terms and conditions of RFP or SLA is breached.

b) When the bidder fails to make complete delivery of services as per the terms of the RFP

and SLA satisfactorily.

c) Notice of reasonable time will be given in case of forfeiture of security deposit. The

decision of the Chairman/Administrator in this regard shall be final.

Failure of the successful bidder to comply with the requirement of the RFP shall constitute

sufficient grounds for the annulment of the award and forfeiture of the bidsecurity, in which event

the purchaser may make the award to the next lowest evaluated bidder or call for new bids.

5. Audit Observation and Compliance

The HARCO is subjected to various audits [internal / statutory / RBI etc.]. In the event of

any observation by the audit regarding security and access control etc., of the system will

be intimated to the Bidder. The Bidder to assist the HARCO for compliance of the same.


BID EVALUATION METHODOLOGY

a. Introduction

The objective of evaluation methodology is to facilitate the selection of the

technically superior solution at optimal cost. To meet the HARCO’s requirements, as

spelt out in the RFP, the selected Bidder must have the requisite experience in providing

services in the field of IT, the technical know-how, and the financial wherewithal that

would be required to successfully set-up the required infrastructure and provide the

services sought by the HARCO for the entire period of the contract. The evaluation

process of the bids proposed to be adopted by the HARCO is indicated below. The

purpose of it is only to provide the Bidder an idea of the evaluation process that the

HARCO may adopt. HARCO reserves the right to modify the evaluation process at any

time during the Tender process (before submission of technical and commercial

responses by the prospective bidder), without assigning any reason, whatsoever, and

without any requirement of intimating the Bidders of any such change. Any time during

the process of evaluation HARCO may seek specific clarifications from any or all the

Bidder.

Please be noted that HARCO reserves the right to reject any proposal in case same is

found incomplete or not submitted in the specified format given in this RFP document the

details of ‘Minimum Eligibility and Technical Bid Criteria’, provided by the vendor in its

response to this RFP, will be evaluated first, based on the criteria described hereunder.

The technical and commercial responses to this RFP will be considered further only

for those vendors who meet the Minimum Eligibility & Technical Criteria. Vendors must

provide their responses in the format given in this BID.

b. Evaluation Process of Bids

b.1 Technical Evaluation Process

Sr No Criteria Marks

1 Bidder Turnover FY 2017-18

Greater than 1 Cr 15

Greater than 50 Lakh and equal to 1 Cr 10

Greater than 25 lakh and equal to 50 Lakh 5

2 Purchase orders of Banks of Middleware for Payment

system application for RTGS/NEFT Services.

>= 10 Banks 25

>=5 Banks 15

>=3 Banks 10

3 Last financial year 2017-18 Net Profit

Greater than 10 Lakhs 15


Less than equal to 10 Lakhs 10

4 Permanent Office in India 10

5 Experience of implementation of Middleware for Payment

system application for RTGS/NEFT Services in Banks.

>= 10 Years 25

>=5 Years 15

>=3 Years 10

6. Technical Presentation & Approach 10

Weightage will be given based on Solution design,

Integration approach, Project implementation Plan etc

Maximum Marks 100

b.2:

L1 will be decided on the basis commercial evaluation as below:

The proposals will be evaluated on QCBS (Quality Cost Based Selection) basis. Following is the

evaluation methodology:

Technical Weightage: 70%

Commercial Weightage: 30%

Formula :

S = (ST*70%) + (SC*30%)

ST = Technical Score of Bidder

SC = Commercial Score, where

SC= 100*LC/C

LC= Lowest Commercial

C=Commercial Under Consideration


However bank does not bind itself to accept the lowest or any tender and reserves the

right to accept or reject any or all of the tenders, either in whole or in part without

assigning any reasons for doing so.

The Bank shall obtain reports on past performance of the tenderer from his clients and

bankers. The Bank shall evaluate the said reports before opening of the Part – II of the

tenders. If any tenderer is found not to posses the required eligibility for participating in

the tendering process at any point of time and/or his performance reports received from

his clients and/or his bankers are found unsatisfactory, the Bank reserves the right to

reject his offer even after opening of Part - I of the tender and his sealed cover containing

Part-II of the tender along with EMD shall be returned back to him as it is. The Bank is

not bound to assign any reason for doing so. In case the information provided by the

bidder for Minimum Eligibility Criteria and Technical Bid Criteria is found wrong, then

EMD shall be forfeited.


ANNEXURES

Annexure 1 : Minimum Eligibility Criteria

This RFP is open to all firms / Companies both from within India, who are eligible to do

business in India under relevant Indian laws as in force at the time of bidding should fulfill

the eligibility conditions subject to the following requirements:

Sl. Eligibility Criteria Supporting Documents Required Submitted

(Yes/No)

1

Bidder should be a registered

company in India.

Self declaration by authorized signatory

of the bidder, Partnership Deed/

certificate of incorporation

2 Bidder should be Original

developer of the offered

solution. If the bidder is not the

original developer, a certificate

from original developer

certifying that the bidder is

authorized business partner with

an authority to do customization

needs to be Attached

In case, bidder is not the original

developer, a certificate from the

OSD needs to be attached certifying

the authority/ capability for

customization and enhancement in

the solution

3 Bidder should have

Implemented Payment

middleware Solution for

RTGS/NEFT Services

successfully for at least 10

Banks in India.

Purchase Orders of Client should be

attached.

4 The Bidder should have yearly

sales turnover of not less than

Rs. 50 Lacs during last two

financial years

Copy of the Audited Financial

Statements for the financial years

2016-17 and 2017-18

5 The bidder should be in profit

and have positive Net worth in

last two years

Copy of the Audited Financial

Statements for the financial years

6 Bidder/Partner/Director/Promot

er should not have been

blacklisted by any PSU bank in

India/ IBA / RBI during the last

five years.

Self-declaration by authorised

signatory of the bidder, certifying the

requirement.

7 The bidder should have

permanent office in India with

easy access.

Self-declaration by authorized


requirement.

8 The bidder should have branch/

service centers at any one centre

in India and list of branch /

service center / franchises with

Copy of relevant certification to

provide.


full details of Name, Address /

Telephone Number should be

attached.

9 The Bank also reserves the right

to inspect such installation/s

while evaluating the Technical

Bid.

Compliance submission by

Authorized Signatory

10 Thebidder/Partner/Director/Pro

moter shall not be under a

declaration of ineligibility or

corrupt or fraudulent

practices or blacklisted with

any of the Government

agencies.


signatory of the bidder.

11 Power of Attorney /

Authorization letter issued by

the organization to sign the

tender document on behalf of

the organization.

As stated

12 Vendor will Certify their

Agreement to sign SLA and

Escrow Agreement as per

mutually agreed upon format

A self-declaration by authorized

signatory of the bidder to be

submitted.

13 The bidder shall not be under a

declaration of ineligibility or

corrupt or fraudulent

practices or blacklisted with

any of the Government

agencies.



requirement.

14 Self-declaration letter of

unconditional acceptance of all

Terms & Conditions of the RFP

As per Annexure 3

15 Details of Technical

Specifications Annexure-1

16 Details of EMD submitted with

this tender

17 Details of Application Fee

submitted with this tender.

18 Details of Information As per Annexure -11

(** If Bidders does not annexed requisite documents in above mentioned annexure

tags it will not be responsibility of bank to search the entire bid document, rather bank will

assume that bidder has not enclosed such documents and bid will be considered incomplete.)


Annexure 2: Technical Bid Covering Letter

The Managing Director,

The Haryana State Co-op Apex Bank Ltd


Chandigarh, 160017

Sir,

Reg.: Our Technical bid for supply, implementation and support services of

Middleware for Payment system application/s for RTGS/NEFT Services for the

Haryana StateCo-operative Bank Ltd and all District CentralCo-operative

banks in Haryana.

We submit our Bid Document herewith.

We understand that

You are not bound to accept the lowest or any bid received by you, and you may reject all

or any bid.

If our Bid for the above job is accepted, we undertake to enter into and execute when called

upon by the purchaser to do so, a contract/ agreement in the prescribed form. Unless and

until a formal contract is prepared and executed, this bid together with your written

acceptance thereof shall constitute a binding contract between us.

If our bid is accepted, we are to be severally responsible for the due performance of the

contract. Vendor means the bidder who is decided and declared so after examination of

commercial bids.

You may accept or entrust the entire work to one vendor or divide the work to more than

one vendor without assigning any reason or giving any explanation whatsoever.

We have online submitted towards EMD for the Amount -----------, as per the terms of

RFP.

Dated at ____________this _______________day of __________2018.

Yours faithfully

For______________________

Signature: _______________

Name: ___________________


Annexure 3: Technical Bid

Bidders should specify their functional and technical capability as per below format:

Functional Requirement Capability

Yes/No

Vendor Comments

1 General Requirement:

System will allow Single Signed on Facility

with CBS and any other Host application.

System should be accessible through Browser

Integration with CBS – API/ ISO message /

Other mode (Please Specify)

Integration with multiple host system

System should handle concurrent user

System can be accessible from any branch /

office over Bank’s existing WAN

SMS and EMAIL Adapters with existing

mail server / SMS server of the Bank

Interface with Bank’s existing Scanners

(For Mandate management system)

Maker / Checker facility for transaction posting

Audit Trail and Log facility for each user

Generation of all Reports in Text, Excel and

PDF format

System should provide Dashboard to monitor

the status of multiple Payment systems for

monitoring purpose.

2 CRYPTO TOOL

CBS will route all NEFT/RTGS transactions to

a new Pre-defined Queue.

Crypto Gateway will receive all the messages

from new MQ Queues

Testimony of transaction records are maintained

in respective log files

Append digital Certificate (UMAC) from Token

and route the message to NEFT/RTGS Queue

Rules for signing for specific message types

Configurable threshold amount check can be

provided to route message as per pre-defined

threshold rule for STP

Transactions above defined threshold amount

limit will be routed for manual

authorization and transaction amount below

threshold limit will be routed on STP mode

CBS will route all NEFT/RTGS transactions to

a new Pre-defined Queue.

3 NEFT


- Interface with Bank CBS, Internet Banking

- MQ Series compliant to send messages as per

RBI standard.

- Seamless integration with STP along with

UTR generation process and return back

process

- Facility to sign NEFT messages digitally

(using class 2 signing certificates from

IDRBT) resulting in end-to-end STP.

- -System is capable for straight through

processing of O/W & I/W payments (N02,

N04, N06, N07, N10) from multiple channels

without any manual intervention

- System should be integrated with EOD &

SOD process of NEFT Capable to handle

future value dated transaction File upload

facility for NEFT transactions Message

Segregation & Routing to appropriate host

system (Rule based segregation)

- Ability

- System should be capable to Auto Reconcile

(Rule based)

- Auto Rejection based on pre determined rule

- Reports are available to identify transactions

from and to, each interface systems

- Automatic and Semi-Auto process should be

able to reprocess/reject etc messages that may

not have been processed earlier (Rule based on

Originating Channel)

- Automatic routing of rejected messages and

status against each transaction to the

originating system (Rule based)

- SMS and Email Notification on receipt of

Credit confirmation (N10). System should be

able to use that time stamp to notify customers

through SMS & EMAIL.

- Duplicate check in CBS transaction. Each

inward NEFT message contains a unique

UTR number and system should be put in

place to check duplicity

- Amount based authorization with Maker-

Checker

- Checker may be based at Central Location

- 2nd Authorization may be required above a

threshold limit

- Old to New Account Number mapping, where

required, for Inward messages


- RBI Holiday Calendar Management Name

Check for Inward messages

- Two –step accounting

- NEFT Inward Account -->Pool Account --

>Customer

- Out of any account lock/non posting of

transactions as this feature will include two

step accounting process.

- Broadcast and receive message to/from

Bank’s branches/Host System like

a) Extension of time window

b) Issue in settlement of messages etc

- Dashboard to monitor Daily transaction –

Number pending etc

- MIS for NEFT transaction – Success rate,

Failure rate, Average volume etc

- Monthly

- Monthly Aggregate Report

- For reconciliation all debit and credit

transactions happening in the day should be

tallied with mirror of RTGS account

maintained by the Bank with RBI. The

similar amount shall be debited/credited

from corresponding NPCI’s RTGS

settlement account maintained at RBI.

4 RTGS

- Interface with Bank CBS, Internet Banking

system, etc.

- MQ Series compliant to send messages as per

RBI standard.

- Seamless integration with STP along with

UTR generation process and return back

process

- System is capable for straight through

processing of O/W & I/W payments from

multiple channels without any manual

intervention

- System should be integrated with EOD &

SOD process of RTGS

- Capable to handle future value dated

transaction

- File upload facility for RTGS transactions

Reconciliation & Retransmission

- System should be capable to Auto Reconcile

(Rule based)


- Auto Rejection based on pre determined rule

- Reports are available to identify transactions

from and to, each interface systems

- Automatic and Semi-Auto process should be

able to reprocess/reject etc messages that may

not have been processed earlier (Rule based on

Originating Channel)Automatic routing of

rejected messages and status against each

transaction to the originating system (Rule

based)

- SMS and Email Notification on receipt of

Credit confirmation. RBI provides camt.054

that includes credit time stamp. System should

be able to use that time stamp to notify

customers through SMS & EMAIL .

- Duplicate check in CBS transaction. Each

inward RTGS message contains a unique

UTR number and system should be put in

place to check duplicity

- Amount based authorization with Maker-

Checker

- Checker may be based at Central Location

- 2nd Authorization may be required above a

threshold limit

- Old to New Account Number mapping, where

required, for Inward messages.

- RBI Holiday Calendar Management

o Dashboard to monitor Daily

transaction – Number pending etc

o MIS for RTGS transaction –

Success rate, Failure rate, Average

o volume etc


Annexure 4: Commercial Bid Covering Letter

Date:

The Managing Director,

The Haryana State Co-op Apex Bank Ltd.


Chandigarh, 160017,

India.

Dear Sir

Commercial Bid:–Commercial bid for supply, implementation and support services of

Middleware for Payment system application/s for RTGS/NEFT

Services for the Haryana State Co-operative Bank Ltd and all District

Central Co-operative banks in Haryana.

We offer to provide services for the above-mentioned Annual Maintenance Contract, in

accordance with your Request for Proposal [RFP#.............................] dated […………], and our

Proposal (Technical and Commercial Proposals). The Total fee is inclusive of all taxes, duties,

charges and levies (as applicable and payable under the local laws) which are clearly mentionedas

per currently applicable taxes and out of pocket expenses that we might incur and there will be no

additional charges.

Our commercial proposal shall be binding upon us, subject to the modifications resulting from

contract discussions, up to expiration of the validity period of the Proposal, i.e., [Insert date].

We remain,

Yours sincerely,

Date Signature of Authorized Signatory …

Place Name of the Authorized Signatory …

Designation …

Name of the Organization…

Seal


Annexure 5: Commercial Bid

The structure of the Bidder’s commercial response to this tender must be as per following order.

Any extra information may be provided as separate section. Commercial Bid Response must be

submitted with Commercial Bid covering letter, format of which is given in this document.

Supply, implementation and support services of Middleware for Payment system

application/s for RTGS/NEFT Services for the Haryana State Co-operative Bank Ltd and all

District Central Co-operative banks in Haryana

S.

No.

Description of Items QTY Rate*

(Rs) Per

Item

Total

Amount

(Rs)

Remarks

1 Middleware for Payment system application/s

for the Haryana State Co-operative Apex

Bank Ltd and all District Central Co-

operative banks in Chandigarh

2 AMC

Applicable taxes (if any)

* Rates quoted shall be exclusive of all, whatsoever. Applicable Taxes must be explicitly

mentioned.

Bidders are requested to note the following:

All the details must be provided as per this format only. Incomplete Bids will result in

rejection of the proposal.

Masked commercial bids must be given with Technical Bid.

All the pages of commercial bids must be sealed and signed by authorized signatory.

All the quoted costs must exclude all applicable taxes and other levies. The total cost to the

bank must be arrived after adding currently applicable taxes.

Bidder must submit onlinr meant for ‘Commercial Proposal’.

All the rates must be quoted in INR (Rs).


Annexure 6: Original Equipment Manufacturer Authorization Form

[To be submitted along with Technical Bid]

Ref. No:

Date:

The Managing Director

The Haryana State Co-op Apex Bank Ltd.


Chandigarh, 160017,

India.

Dear Sir

Sub: RFP No…………………Dated………..for <<>>.

Dear Sir,

We.............................................................. Who are established and reputed manufacturers /

Developers of ............................................................... ........having factory / Development Centre at

.............................. ............................ and ..................................... .... do hereby authorize M/s

...................................................................................... [Name and address of vendor] to submit a

bid and sign the contract with you for the goods manufactured / Products developed by us against

the above RFP No............................ dated ................................. We hereby extend our full

guarantee and warranty as per the clauses of contract based on the terms and conditions of the RFP

for the goods and services offered for supply by the above organization in response to your RFP.

Yours faithfully

Name of the manufacturer / Developer

Authorized Signatory

Note: This letter of authority should be on the letterhead of the manufacturer and should be sealed

&signed by a person competent and having the power of attorney to bind the manufacturer. It

should be included by the bidder in its bid.


Annexure 7: Letter of Competence

[To be executed on a non-judicial stamp paper of Rs 100/-]

Letter of Competence for Quoting in response to HARCO’s RFP No. /……………..

This is to certify that we [Name of Bidder…………………………………..],

Address…………………………..are fully competent to undertake and successfully deliver the

scope of services mentioned in the above RFP. This recommendation is being made after fully

understanding the objectives of the project and requirements like experience etc.

We certify that the quality and number of resources to be deployed by us for implementation will

be adequate to implement the connectivity expeditiously and correctly and provide the services

professionally and competently.

We also certify that all the information given by in response to this RFP is true and correct.

Seal &Authorized Signatory of the Bidder

Date:


Annexure 8: Statement of Deviations

Bidders are requested to provide details of all deviations, comments and observations or

suggestions in the following format with seal and signature. You are also requested to provide a

reference of the page number, state the clarification point and the comment/ suggestion/ deviation

that you propose as shown below.

HARCO may at its sole discretion accept or reject all or any of the deviations, however it may be

noted that the acceptance or rejection of any deviation by the HARCO will not entitle the bidder

to submit a revised commercial bid.

List of Deviations Clarification point as stated in the tender document

Page Number Comment / Suggestion Deviation

1

2

3

4

5


Annexure 9: Vendors Details

Details filled in this form must be accompanied by sufficient documentary evidence, in order to

verify the correctness of the information.

S. No Item Details

1. Name of Company / Leader of the

Consortium

2. Postal Address

3. Telephone and Fax numbers Telephone: FAX:

4. Constitution of the Company. Mark as

Annexure-X<<>>

5. Name and designation of the person

authorized to make commitments to the

HARCO [An authorization letter is

required from the company]

6. Email Address

7. Year of commencement of Business

8. Sales Tax Number

9. Income Tax Number/TAN

10. Location of Development / Manufacturing

facility/ Services

11. Last three years audited balanced sheet with

profit and loss account statement. Copies of

Memorandum & Article of Association and

Certificate of Incorporation of all the vendors/

Consortium. Mark as Annexure-<<>>

DETAILS OF SERVICE CENTERS IN CHANDIGARH

S. No Place Postal Address Contact numbers

1

2

3

4

5


Annexure 10: Checklist of the mandatory documents to be attached with the Tender

Document

S.No. Description Document Attached

Yes/No

1 Tender Document fees of Rs 5000/- .

2 Earnest Money deposit of Rs 100000/- .

3 Original Technical Bid Document signed and sealed

4 Technical & Masked Commercial Bid in separate envelope

5 Documentary proofs of Minimum Eligibility Criteria (As per the

Tender document)

6 Commercial Bid in a separate sealed envelope (as per the

Tender Document)

7 Technical Bid covering Letter in specified format

8 Commercial Bid covering Letter in specified format

9 Original Equipment Manufacturer Authorization form as per the

specified format from respective venders

10 Letter of competence on non-judicial stamp paper of `100/- only.

11 Vender details along with requisite support documents for ISO,

Last three years audited balance sheet, MoA, AoA, and

Certification of Incorporation of all venders of consortium. Mark

as below:

1. Annexure-X<<>> for 3years Balance Sheets

2. Annexure-X<<>> for MoA, AoAor Certification of

Incorporation etc.

12 Declaration against being debarred/ blacklisted by any

Govt./Semi Govt. organization for quality of service, product

and any major complaint against the Bidder at the time of

submission of bid. Mark as Annexure-X<<>>