UCO BANK Department of Information Technology
Request for Proposal (RFP) for Implementation of EFRMS RFP Ref. No.: DIT/BPR&BTD/5506/2019-20 Date: 11/02/2020 Pre-Bid Responses/Clarifications to queries raised by the Bidder(s), Amendments, Addendums and Corrigendum’s Sl. RFP Subject/Description/ Original RFP Query Bank Response No. Page Clause sought/Suggestions No./ Clause No. 1. Page No The Bidder should have Request the bank to modify the Clause Stands Modified 10 experience of implementation of clause as below: as: Eligibility E-FRM Solution and integration “The Bidder/OEM should Criteria – with CBS Application (Finacle) The Bidder should have have experience of Clause 5 and any two out of following five experience of implementation implementation of E- applications in at least one of E-FRM Solution and FRM Solution and Public/Private Sector Bank integration with CBS integration with CBS (excluding RRBs & Co-operative Application (Finacle) and any Application (Finacle) Bank) in India in last two years two out of following five and any two out of having business mix of minimum applications in at least one following five Rs. 1 lakh crore Public/Private Sector Bank applications in at least 1. Internet Banking (excluding RRBs & Co- one Public/Private 2. Mobile Banking operative Bank) in India having Sector Bank (excluding 3. UPI / IMPS a business mix of minimum Rs. RRBs & Co-operative 4. ATM / POS 50,000 Crore Bank) in India or Foreign
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5. SWIFT 1. Internet Banking Bank (having branch 2. Mobile Banking presence in India and 3. UPI / IMPS EFRMS being installed in 4. ATM / POS Indian Branches) in last 5. SWIFT two years having business mix of minimum Rs. 50 thousand crore 1. Internet Banking 2. Mobile Banking 3. UPI / IMPS 4. ATM / POS 5. SWIFT” 2. Page No The proposed solution should be Request the bank to modify the Clause stands modified 10 listed in leaders quadrant on clause as below: as: Eligibility ChartisRiskTech Quadrant® for “ The proposed solution Criteria – Enterprise Fraud. The proposed solution should provider should be listed Clause 6 be listed either in quadrant on in any quadrant on ChartisRiskTech Quadrant® for ChartisRiskTech Enterprise Fraud OR Chartis Quadrant® for Risktech 100 Enterprise Fraud” 3. Page No The proposed OEM Solution Request the bank to modify the Clause stands modified 10 should have been implemented / clauses as below: as: Eligibility or be under implementation for a “The proposed OEM Criteria – FRM Solution in India to integrate The proposed OEM Solution Solution should have Clause 8 with CBS Application (Finacle) should have been been implemented / or and any two out of following five implemented / or be under be under applications in at least one Large implementation for a FRM implementation for a Bank having a minimum of 1000 Solution in India to integrate FRM Solution in India or branches. with CBS Application (Finacle) any foreign bank 1. Internet Banking and any two out of following having branch 2. Mobile Banking five applications in at least one presence in India and 3. UPI / IMPS EFRMS being installed in
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4. ATM / POS Bank having a minimum of Indian Branches to 5. SWIFT 300+ branches integrate with CBS 1. Internet Banking Application (Finacle) 2. Mobile Banking and any two out of 3. UPI / IMPS following five 4. ATM / POS applications in at least 5. SWIFT one Bank having more than 300 branches. 1. Internet Banking 2. Mobile Banking 3. UPI / IMPS 4. ATM / POS 5. SWIFT” 4. Page 32 The provided hardware should Does the bank want the Hardware, Database, Clause have high reliability, fault Hardware, Database, application and web xii. tolerance, redundancy and high application and web layers to layers to be configured availability having no single point be configured in an Active- in an Active-Passive of failure in the hardware (NSPoF) Active mode both in DC and in mode both in DC and in DR. This has cost implications on DR. database license and hardware 5. Page 32 Bidder to deploy at least three L1 If 3 shifts have to be covered by Clause stands as per Clause ii (24X7 shift) resources and at least L1 services, it will require 5 RFP one L2 (general shift including resources to meet this Sundays and other holidays) requirement while complying resource at bank. The engineers with Employment Legality. should work in close co-ordination Please clarify if the bank wants with the bank. 3 shift coverage with 5 L1 resources. 6. Page 32 The bidder must also ensure that Request the bank to provide In 1st year 1.2 cr. Clause the hardware resources utilization the transaction volumes that transaction and xi. should not exceed 60% at any are there currently and the
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point of time in the DC & DR for expected year on year growth gradually increase to the projected volume of for the next 5 years for vendors 2.5 cr in 5th yr. transactions. In case the utilization to size the hardware exceeds the above level, the configuration. bidder must provide additional hardware without any additional cost. 7. Page 31 The bidder must provide the Request the Bank to share In 1st year 1.2 cr. Clause ii. Application Deployment volume of transactions, transaction and Architecture with diagrams, customers, cards etc. and the gradually increase to identifying components and period of data retention for 2.5 cr in 5th yr. specifications for each vendors to calculate the component with description. storage required. Description must detail the number of servers, specifications for each resource (Web server, Application, DB, File server, Resource Monitoring servers etc.), Operating System and configuration as well as function of each server, Network Bandwidth Requirements and Storage Requirements. Page 27 The Fraud detection should be Request the bank to specify In 1st year 1.2 cr. 8. Point iii done on real time/near real time volume of transactions that are transaction and basis as expected to be responded to gradually increase to specified for different transactions in real time and response time 2.5 cr in 5th yr. in the RFP. The in milliseconds in which the authorization/decline of the response should be made inflight transaction should not available. This is needed to affect performance of the source calculate the number of CPU systems.
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cores and the type of storage required
9. Page 33 The solution provided by Bidder Request the bank to provide RPO 30 Minutes & RTO Clause for the EFRM Solution must support the Recovery Point Objective 90 minutes xxii. Disaster Recovery plans as (RPO) to calculate the follows: bandwidth required between Allow fail over as per the DR DC and DR. The bank also policy of the Bank needs to provide transaction Provide architecture and volume and peak transaction design for Disaster Recovery rates year on year to endure Bidder must detail out any that vendor can specify the licensing information related to bandwidth needed year on Disaster Recovery design year between DC and DR. Provide RTO of 2 hours. Provision for data from DC to be automatically propagated online through asynchronous replication to disaster recovery/failover sites. Size the DR at 100% capacity of the DC 10. Page The EFRMS must feature to permit Is the bank expecting the Bidder have to provide 102 linkage of the central raw data vendor to provide a backup backup solution. Point 41 repository to the backup system solution (both hardware and software) or leverage existing backup solutions already deployed? This is critical to specify the bill of material needed 11. Page 39 The Bank plans to complete the The implementation timelines Clause Stands as per Point 3 implementation process in six sought by the bank are very RFP months and the selected bidder ambitious. Our experience
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has to plan accordingly to suggests that the bank will be adhere to the timelines. better served by planning a 3 phase implementation with a planning period of 3 to 4 weeks preceding the beginning of all the 3 phases. Each phase could be about 12 weeks thus taking the whole implementation to 40 weeks. Page 44 Hardware cost Hardwar Cost: Clause Stands as per point 13 90% of the order value along We request that payment RFP with applicable taxes on actual terms be changed so that basis will be paid on successful Hardware, System Software user acceptance after delivery, and database has 90% installation of the ordered items, payment against delivery. after realizing penalty charges for The remaining 10% be paid late delivery and / or late after completion of UAT. installation, if any. The claim of payment should Software Cost: contain proof of delivery, Application software costs be installation note and User paid 50 % on delivery. Acceptance Report signed with 40 % on completion of UAT and date by an authorized official of 10 % after 3 months of go live. UCO Bank at the respective sites, The implementation costs be waybill etc. paid 90% on completion of UAT Remaining 10% of the cost and 10% after 6 months of along with applicable taxes going live. would be paid after three months from Go-live and successful operation. ii. Software cost
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70% of order value will be paid on successful go-live of the project. 30% of order value will be paid after six months of successful implementation of the solution. iii. AMC for Hardware shall be paid in quarterly arrear basis. iv. ATS on software item shall be paid in quarterly arrear basis. v. Payment for FM services shall be paid in quarterly arrear basis. 12. Page Should contain crawling Crawling from web pages Clause Stands DELETED. 102 capabilities which should be able requires legal subscription from Point 40 to retrieve Web pages that go the sources which bank can many layers deep originating take. For EFRM implementation from a specific URL. external crawling is not required. Hence, it is requested to remove this requirement.
13. Page The EFRMS must feature to permit Is the requirement to integrate Clause Stands as per 102 linkage of the central raw data EFRM with bank's source RFP Point 41 repository to the backup system. systems? Please suggest if our understanding is correct. 14. 26 In Commercial Evaluation, no EFRMS being a critical system to Clause Stands as per /Qualifyi weightage for Technical Scoring the bank and given the large RFP ng will be given nature of frauds, it is important criteria in to give due weightage to the technical capability of the
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Total is solution. Many banks have 75% of Y gone for a techno-commercial evaluation 70:30 giving 70% marks to technical scoring and 30% to commercial scoring. Highest scoring bidder is then selected for the project. It is suggested that bank should adopt a similar approach for EFRMS evaluation. 15. Page Solution must provide wide range Our understanding is here the Clause Stands as per 116 of stronger authentication requirement is to integrate with RFP Point 5 capabilities to be used based on bank's existing authentication the risk score of the transaction for engine as mentioned in other consumer and corporate parts of RFP, like point 13 on banking customers. page 117 and point viii on page 28. 16. Page 43 Up time of 99.9% Monthly The real time Scoring engine Clause Stands as per Point VII would be considered for this RFP SLA while the solution peripherals like Data management, case management should be considering in Active-Passive Mode. Kindly confirms. 17. page 32 The bidder must also ensure that 60% Utilization Cape of HW will Clause Stands as per Point XI the hardware resources utilization keep lot resources Ideal and RFP should not exceed 60% at any this is adding when we are point of time in the DC & DR considering HA aspect. Request Bank to consider to increase this cape for more
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optimization of HW requirement.
18. Page 35 Environment for Test & Dev, UAT what is capacity to that of Non production XI Production needs to consider hardware should be for these non-Production sized to make instances successfully development & testing of module / all modules of software simultaneously with fully populated database. 19. Part - I 7. The bidder should be having a Most of the EFM Clause stands modified 3. team of at least 10 skilled staff implementation are done as: Eligibility experienced in implementing at directly by the OEMs and many “ The Bidder/OEM Criteria least one FRM solution to be able bidders (SIs) do not have skilled should be having a Page 11 to deliver and support the staff in their payroll. Hence team of at least 10 proposed solution. requesting bank to change this skilled staff experienced clause to "The bidder/OEM in implementing at least should be having a team of at one FRM solution to be least 10 skilled staff able to deliver and experienced in implementing support the proposed at least one FRM solution to be solution. In case bidder able to deliver and support the is not OEM, then bidder proposed solution." will have to submit a concurrence letter from OEM that they will provide all support to bank as per scope and requirement of RFP on behalf of bidder”
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20. Part - I Note: In this tender process, either Can the Principal OSD submit Yes, It is acceptable. 3. authorized representative / two or more bids with different Eligibility distributor / dealer in India on bidders? Is that acceptable? Criteria behalf of Principal OSD (Original Page 12 Solution Developer) or Principal OSD itself can bid but both cannot bid simultaneously. In such case OSD bid will only be accepted. If an agent / distributor submits bid on behalf of the Principal OSD, the same agent / distributor shall not submit a bid on behalf of another Principal OSD in the same tender for the same item or product. 21. Part – IV ii. The solution should cover Requesting bank to provide the List of channels already 2. SCOPE detection and prevention of list of channels which need mentioned in RFP OF frauds at different process stages fraud prevention. document at Page No. WORK of the channels and applications 29. Page 27 for all types of transactions, both financial and non-financial transactions. Part – IV viii. The proposed solution should Requesting bank to provide the Details of existing 2FA 2. SCOPE be able to integrate with bank’s details of existing 2FA infrastructure will be OF existing authentication SMS (OTP) infrastructure? provided to selected WORK and 2FA infrastructure for stronger bidder. Page 28 authentication. 22. Part – IV xi. The solution should have Is bank looking for out of the Clause stands as per 2. SCOPE proven integration capabilities box integration with Finacle RFP OF with the CBS and bidder should CBS? WORK ensure that the EFRM solution Page 28 does not have a performance
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impact on the CBS or any other channel.
23. Part – IV xiv. The scope of work includes For any changes that is Clause stands as per 2. SCOPE integration and implementation required in the respective RFP OF of interfaces to all systems source system side has to be WORK mentioned above in point no. 1 taken care by the respective Page 28 (Existing Setup). vendors. Requesting bank to confirm that necessary support from the source system vendors will be will be arranged by the bank. 24. Part – IV xv. Bidder to provide required Is High Availability required at Yes 2. SCOPE hardware for app, web, DB layers DC & DR? OF and storage for both DC & DR site. WORK Bidders should quote for all Page 28 required OS, DB, middleware and any other software licenses. 25. Part – IV xv. Bidder to provide required Requesting bank to provide the Please refer Part-IV, 2. SCOPE hardware for app, web, DB layers maximum hardware utilization Clause 4, ( Infrastructure OF and storage for both DC & DR site. % expected? requirement) WORK Bidders should quote for all Page 28 required OS, DB, middleware and any other software licenses. 26. Part – IV xv. Bidder to provide required Kindly provide the maximum Max TPS at 1st yr. 400 2. SCOPE hardware for app, web, DB layers TPS (Transactions Per Second) which gradually OF and storage for both DC & DR site. for which hardware has to be increased to 900 in 5th yr. WORK Bidders should quote for all sized for? Page 28 required OS, DB, middleware and any other software licenses.
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27. Part – IV xv. Bidder to provide required Does bank has signed any Clause stands as per 2. SCOPE hardware for app, web, DB layers Enterprise license agreements RFP OF and storage for both DC & DR site. with database vendors, which WORK Bidders should quote for all we can utilize? If Yes kindly Page 28 required OS, DB, middleware and provide the DB Name, Version, any other software licenses. Any database add-on components that will be provided. 28. Part – IV xv. Bidder to provide required Can we leverage existing Clause stands as per 2. SCOPE hardware for app, web, DB layers back-up solution available at RFP OF and storage for both DC & DR site. the bank? WORK Bidders should quote for all Page 28 required OS, DB, middleware and any other software licenses. 29. Part – IV xv. Bidder to provide required Can we leverage existing Clause stands as per 2. SCOPE hardware for app, web, DB layers hardware load balancers RFP OF and storage for both DC & DR site. available at the bank? WORK Bidders should quote for all Page 28 required OS, DB, middleware and any other software licenses. 30. Part – IV xxv. Bidder will be responsible to Kindly provide details on how Transaction / events is to 2. SCOPE store transactions / events in long the transactions to be be stored for minimum OF industry standard format. stored? Is it for the contract period of 5 years. WORK period of 5 years? Page 29 31. Part – IV viii. The solution should be able to Is bank looking for the Yes 3. send notifications and alerts in proposed solution to integrate FUNCTIO different formats, such as alerts, with existing SMA & Email NAL email, SMS, etc. gateways to send notifications. REQUIRE Kindly clarify. MENTS – TOOLS,
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FUNCTIO NALITIES & FEATURE S Page 31 32. Part – IV xi. The bidder must also ensure At 60% utilization there will be Clause Stands as per 4. that the hardware resources more infra resources being idle RFP INFRASTR utilization should not exceed 60% and it is a waste of bank's UCTURE at any point of time in the DC & money. Hence, requesting REQUIRE DR for the projected volume of bank to increase the utilization MENTS – transactions. In case the utilization to 80%. HARDW exceeds the above level, the ARE / bidder must provide additional NETWOR hardware without any additional K / cost. SECURITY Page 32 33. Part – IV v. All Facility Management Requesting bank to kindly Clause Stands modified 8. Facility engineers deployed should be on consider resources from OEMs as : Manage the payroll of the bidder and payroll also, as application “ All Facility ment should not deploy Franchise customization is also part of the Management Support engineers. facility management. engineers deployed Page 35 should be on the payroll of the bidder/OEM and should not deploy Franchise engineers. The bidder have to submit employment details of the employees”
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34. Part – IV 9. Training Requesting bank to provide Two Day Functional 9. details on Training. Training 1. how many days of training is Two Day Technical Page 37 required? Training and 2. Number of bank personnel Two day Hands on who will be attending the practice at Bank’s training? decided location in 3. Training location. KOLKATA 35. PART – V For execution of project, prime Is bank open to solutions Please refer 1. selected bidder may constitute a hosted on cloud infrastructure? Corrigendum. Consorti consortium of different selected um bidders such as cloud service Page 39 providers, OSD etc. 36. PART – V ii. Software cost Requesting bank to kindly Clause Stands as per 13. n 70% of order value will be paid change the payment terms as RFP. Payment on successful go-live of the follows Terms project. ii. Software cost Page 44 n 30% of order value will be paid n 70% of software cost will be after six months of successful paid on Delivery, successful implementation of the solution. Installation and acceptance of the software with Environment Setup. n 30% of software cost will be paid on successful go-live of the solution. 37. PART – V 13. Payment Terms Requesting bank to add the Clause Stands as per 13. implementation services RFP . Payment payment terms also. Terms Page 44
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38. PART – V iv. Delayed Installation Implementation time line of 6 Clause stands as per 17. The Solution is required to be months not possible for the vast RFP Penalty configured by the bidder within 6 scope asked in the RFP. & months in a timebound manner. Requesting bank to kindly Uptime extend the implementation Page 46 period to minimum 12 months. 39. PART – V vii. Uptime Uptime requirement of 99.9% is Uptime 17. The selected bidder shall ensure very strict. Requesting bank to The selected bidder Penalty minimum uptime of 99.9% for the kindly change it to 99% shall ensure minimum & entire solution uptime of 99.5% for the Uptime entire solution Page 47 40. PART – V vii. Uptime Kindly confirm that the planned Planned Downtime will 17. The selected bidder shall ensure downtime (which will be not be a part of Penalty minimum uptime of 99.9% for the informed in advance to the downtime. & entire solution bank and will be scheduled at Uptime a time suitable to the bank) will Page 47 not be considered in calculating the Uptime. 41. PART – V vii. Uptime Requesting bank to change Clause stands modified 17. The selected bidder shall ensure this (from encryption solution) as: Penalty minimum uptime of 99.9% for the to EFRM solution. “The selected bidder & entire solution The maximum shall ensure minimum Uptime downtime for the hardware and uptime of 99.5% for the Page 47 software for encryption solution entire solution. The and its allied applications should maximum downtime for be less than 15 minutes per the hardware and incident in a month with a software for maximum downtime of 45 implemented solution minutes in the whole month, and its allied failing which a penalty as per applications should be penalty clause will be applicable. less than 15 minutes per
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incident in a month with a maximum downtime of 45 minutes in the whole month, failing which a penalty as per penalty clause will be applicable” 42. PART – V Hardware It is our understanding that, all Clause stands as per 40. i. The selected bidder must infra software i.e. OS, RFP. Warranty provide three years on-site database, back-up software, & AMC / comprehensive warranty for all virtualization SW are included in ATS hardware and peripheral items to the Hardware. Kindly confirm. Page 57 be supplied under this RFP covering all parts and Labour from the date of acceptance of the systems by UCO Bank at the respective locations i.e. on-site comprehensive warranty and two year AMC (4th Year AMC & 5th Year AMC), if so decided by the Bank. 43. Annexur 20. The service provider should Requesting bank to change Clause stands modified e – XVIII have its presence in India this clause to "The bidder/OEM as: Eligibility (Kolkata / Bangalore / Mumbai). should be present in India and “ The selected Criteria should be able to provide bidder/OEM should Complia support to the project during have its presence in nce the contract period" India (Kolkata / Page 93 Bangalore / Mumbai) and Bidder/OEM should submit declaration in letter head that they will provide all kind of
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support during contract period.” 44. Annexur Format of Commercial for RFP for Requesting bank to add the Clause stand as per RFP. e – XXII Implementation of EFRMS implementation services as a Page (Amount in Rs.) separate line item to the 131 commercial format. 45. Annexur Group 16 - Mobile Banking Frauds Integration with mobile' means, Clause stands as per e – XIX 1. Proposed Solution should offer the proposed EFRMS solution RFP. Technic integration with mobile integrates with bank's Mobile al Scope through a web services call or a Banking system at DC/DR. Is our of Work Software Development Kit (SDK). understanding correct? Page 119 46. Annexur Group 16 - Mobile Banking Frauds Not relevant to EFRMS Clause stands as per e – XIX 2. Proposed Solution should application as the solution is RFP. Technic support the following mobile web based and accessed by al Scope platforms: Apple iOS, Android OS, bank's investigation team from of Work Blackberry OS and any other a centralized location. Page Operating System for which Irrespective of the mobile 119 Mobile application is made platform the proposed EFRMS available. application can detect mobile banking fraud. Requesting bank to delete this. 47. Annexur Group 2 - Data Management Kindly provide more details on Clause stands as per e – XIX 38. The EFRMS system must have the data that needs to be RFP. Technic ingestion capabilities from a ingested from the websites and al Scope variety of sources, a including but website details. of Work not limited to : Page . Websites 101
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48. Annexur Group 2 - Data Management It is our understanding that here Clause stands as per e – XIX 40. Should contain crawling crawling refers to data lookup RFP. Technic capabilities which should be able from the database. Kindly al Scope to retrieve Web pages that go confirm. of Work many layers deep originating Page from a specific URL. 102 49. Core Banking System (CBS) (for Details will be shared current year) with successful bidder. Total Number of Customers Total Number of Accounts Total Number of Branches Total Number of core banking transactions in a 1. Day 2. Month 3. Year Hourly max Transactions ( Max Transactions. observed in an hour) Expected YoY Transaction growth % average TPS for core banking transactions Peak tps for core banking transactions Peak Concurrent user logins Average Concurrent user logins 50. Internet Banking (IB) (for Details will be shared current year ) with successful bidder.
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Internet Banking software Name Total number of IB Users Total IB transactions volume per day, month and year (Including: No of Logins (success and failure), No of Beneficiary registration, No of Funds Transfer, etc.,) 1. Day 2. Month 3. Year Average TPS of all IB transactions Peak TPS of all IB transactions Hourly max Transactions ( Max Transactions. observed in an hour) Expected YoY Transaction growth % Peak Concurrent user logins Average Concurrent user logins 51. Mobile Banking (MB) (for Details will be shared current year) with successful bidder. Mobile Banking software name Total number of MB Users Total MB transactions volume per day, month and year (Including: No of Logins (success and failure), No of Beneficiary registration, No of
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Funds Transfer, etc.,) 1. Day 2. Month 3. Year Average TPS of all MB transactions Peak TPS of all MB transactions Hourly max Transactions ( Max Transactions. observed in an hour) Expected YoY Transaction growth % Peak Concurrent user logins Average Concurrent user logins 52. Credit Cards (for current year) Details will be shared Credit card switch name with successful bidder. Total number of Credit cards Total transactions volume per 1. Day 2. Month 3. Year Average TPS of all credit card transactions Peak TPS of all credit card transactions Hourly max Transactions ( Max Transactions. observed in an hour) Expected YoY Transaction growth %
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53. Debit Cards (for current year) Details will be shared debit card switch name with successful bidder. Total number of Debit cards Total transactions volume per 1. Day 2. Month 3. Year Average TPS of all debit card transactions Peak TPS of all debit card transactions Hourly max Transactions ( Max Transactions. observed in an hour) Expected YoY Transaction growth % 54. Brokerage/Trading Accounts Details will be shared Total number of with successful bidder. brokerage/trading accounts Total transactions volume per 1. Day 2. Month 3. Year Average TPS of all brokerage/trading transactions Peak TPS of all brokerage/trading transactions Hourly max Transactions ( Max Transactions. observed in an hour)
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Expected YoY Transaction growth %
55. Remittances ( SWIFT) Details will be shared Total number of remittance with successful bidder. transaction in a 1. Day 2. Month 3. Year Average TPS of remittance transactions Peak TPS of remittance transactions Hourly max Transactions ( Max Transactions. observed in an hour) Expected YoY Transaction growth % 56. UPI Details will be shared Total number of UPI users with successful bidder. Total transactions volume per 1. Day 2. Month 3. Year Average TPS of all UPI transactions Peak TPS of all UPI transactions Hourly max Transactions ( Max Transactions. observed in an hour)
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Expected YoY Transaction growth %
57. AEPS Details will be shared Total number of AEPS users with successful bidder. Total transactions volume per 1.Day 2.Month 3.Year Average TPS of all AEPS transactions Peak TPS of all AEPS transactions Hourly max Transactions ( Max Transactions. observed in an hour) Expected YoY Transaction growth % Financial Inclusion Details will be shared Total number of Financial with successful bidder. Inclusion Accounts Total transactions volume per 1.Day 2.Month 3.Year Average TPS of all Financial Inclusion transactions Peak TPS of all Financial Inclusion transactions Hourly max Transactions ( Max Transactions. observed in an hour)
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Expected YoY Transaction growth %
58. Note: In this tender process, Yes, it is acceptable. But either authorized representative if OSD applies itself then / distributor / dealer in India on they cannot submit bid behalf of Principal OSD (Original with any bidder. Solution Developer) or Principal OSD itself can bid but both cannot bid simultaneously. In such case OSD bid will only be accepted. If an agent / distributor submits bid on behalf Part - I of the Principal OSD, the same 3. agent / distributor shall not Can the Principal OSD Eligibility submit a bid on behalf of submit two or more bids with Criteria another Principal OSD in the different bidders? Is that Page 12 same tender for the same item acceptable? or product. 59. ii. Bidder to deploy at least three Yes Part – IV L1 (24X7 shift) resources and at We need to deploy 8. least one L2 (general shift minimum one L1 resource Facility including Sundays and other per shift. Is our Manag holidays) resource at bank. The understanding correct? ement engineers should work in close Support co-ordination with the bank. Page 35 60. 28 Bidder should provide interface We assume that all the cost Clause stand as per RFP. requirements, if any, for delivery levied by the respective OEM channels and CBS. for delivery channels of the bank shall be borne by the bank and the same will not be
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passed on the bidder. Kindly confirm
61. 29 EFRM setup/infrastructure may be we understand that the costs Yes, Bank’s liability will subjected to audit from Bank pertaining to such Audit's will be limited to Auditor’s and/or third party and/or be borne by the bank, request fees (if any) only. regulatory body. It shall be Bank to confirm. responsibility of the Bidder to cooperate and provide necessary information and support to the auditors with respect to the EFRM project. The Bidder must ensure that the audit observations are closed on top priority and to the satisfaction of the Bank, regulator and its appointed auditors. Extreme care should be taken by the Bidder to ensure that the observations do not get repeated in subsequent audits. Such noncompliance by Bidder shall attract penalty. 62. 31 The indicative and forecasted Requesting bank to provide the In 1st year 1.2 cr. transactions have been projected transaction volume. transaction and mentioned. gradually increase to 2.5 cr in 5th yr. 63. 31 The solution should be able to We assume bidder is required Yes send notifications and alerts in to integrate with the Banks different formats,such as alerts, SMS/Email gate way and Bank email, SMS, etc. will borne cost of SMS or any alerts
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64. 32 Security Audit of the application we understand that the costs Yes, Bank’s liability will and VA & PT will be carried out by pertaining to Security Audit will be limited to Auditor’s the Bank at regular intervals and be borne by the bank, fees (if any) only. the Observations / requesting the bank to confirm. recommendations need to be complied within the time limit as advised by the Bank. 35 Bidder to deploy at least three L1 We understand that Yes (24X7 shift) resources and at least requirement of 3 L1 resources one L2 means bidder to provide one (general shift including Sundays resource per shift, hence 3 and other holidays) resource at resources per day, Request bank. The Bank to clarify. engineers should work in close co- ordination with the bank. 65. 42 Taxes As mentioned in the Yes commercial template, We understand that bank will consider bidder's quote exclusive of all the taxes and taxes shall be paid extra to the bidder. Request Bank to confirm. 66. 44 Software cost Requesting the bank to Clause stands as per 1) 70% of order value will be paid change the clause as follows: RFP. on successful go-live of the "50% of order value on signing project. of PO, 2) 30% of order value will be paid 30% of order value on UAT sign- after six months of successful off, implementation of the solution. 20% of order value on 3 months of go live"
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67. 44 AMC for Hardware shall be paid Requesting bank to pay AMC Clause stands as per in quarterly arrear basis. annually in advance as per RFP. standard industry practice. 68. 44 ATS on software item shall be paid Requesting bank to pay ATS Clause stands as per in quarterly arrear basis. annually in advance as per RFP. standard industry practice. 69. 44 Payment for FM services shall be Requesting bank to do Clause stands as per paid in quarterly arrear basis Payment for FM services RFP. monthly arrear as bidder will be incurring cost monthly. 70. 48 ...... Purchase Order unless request Bank to remove this Clause stands as per terminated earlier by the Bank by clause, as termination cannot RFP. serving 90 days prior notice in be without any reason writing to the selected bidder at its own convenience without assigning any reason and without any cost or compensation therefor. However, after the completion of initial period of 5 (five) years, the contract may be extended/renewed for such further period and on such terms and conditions as would be decided by the Bank. 71. 56 38. Termination for Convenience Request Bank to remove this Clause stands as per The Bank, by written notice sent to clause, as termination cannot RFP. the selected bidder, may be at the convenience of the terminate the Contract, Bank without any reason in whole or in part, at any time for its convenience. The notice of
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termination shall specify that termination is for the Bank’s convenience, the extent to which performance of work under the Contract is terminated and the date upon which such termination becomes effective. 72. 131 Format of Commercial for RFP for Request Bank to clarify whether Clause stands as per Implementation of EFRMS bidder can add additional line RFP. (Amount in Rs.) items to the given template. as Bank is aware that each item given has different variants with different unit costs with requirement of different quantities,
i.e. for example if we consider server from hardware it has different variants with different unit costs and quantity requirement. 73. 131 Format of Commercial for RFP for as per page 34 of RFP bidder is Please refer Revised Implementation of EFRMS required to quote commercials Commercial (Amount in Rs.) for 100 man days which bank will utilize for future additional customization, Request Bank to provide place holder for the same 74. 131 Facility Management Resource we understand that bidder is Clause stands as per Charges required to quote FM resource RFP. related commercials
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considering minimum required resources mentioned in the RFP. If any additional resources are required by the Bank the same shall be charged to the Bank on the agreed rates. Request Bank to clarify. 75. 2; ". . . No contractual obligation on BIDDER would requests the The bid documents 17/Discla behalf of UCO Bank, whatsoever, Bank to treat the bid response submitted by the bidder imer;15 shall arise from the offer process and supporting documents is always kept unless and until a formal contract submitted by the BIDDER as confidential by the is signed and executed by duly confidential irrespective of a bank and used for the authorized officials of UCO Bank formal contract being entered purpose of RFP only. and the Bidder." between the parties or the 15. No Legal Relationship No documents being marked as binding legal relationship will exist proprietary or not because the between any of the Recipients / information/contents Respondents and Bank until submitted by the BIDDER in execution of a contractual response to this RFP are agreement. proprietary and confidential information of the BIDDER. BIDDER would like to clarify that BIDDER's grant of rights to Bank to reproduce the proposal and supporting documents be restricted only for evaluation purpose within Bank but BIDDER would remain as the owner for all purposes as the contents are proprietary to the BIDDER.
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46,17 of Penalty and Uptime BIDDER request the Bank Clause stands as per Part V negotiate the SLA terms at the RFP. time of contract negotiation on mutually agreed terms. 76. 45,15 of 15. Cancellation of Contract & Breach of any material terms Clause stands as per Part V Realization of Compensation and conditions of the RFP. The bank reserves the right to agreement, including non- cancel the order placed on the compliance of the mutually selected bidder and realize agreed service levels , and compensation on the following such breach is not cured within circumstances: a period of 90 days from the i. The bidder commits a breach of date of receipt of notice issued any of the terms and conditions of by the Bank specify in writing the offer or any of the terms and expressly the breach and for its conditions of the Purchase Order remediation. / SLA. BIDDER request the Bank to ii. The bidder goes into liquidation modify the clause as below "15. voluntarily or otherwise. Cancellation of Contract iii. An attachment is levied or The bank reserves the right to continues to be levied for a cancel the order placed on period of 7 days upon the effects the selected bidder only on the of the order. following circumstances: iv. The progress regarding i. The bidder commits a breach execution of the order accepted of any of the terms and made by the vendor is found to conditions of the terms and be unsatisfactory. conditions of the Purchase v. If deductions on account of Order / SLA, such breach is not liquidated damages exceed cured by bidder within 90 days more than 10% of the total order from the date of receipt of price. written notice from Bank. vi. In case the bidder fails to ii. The bidder goes into deliver the quantity as stipulated liquidation voluntarily or
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in the delivery schedule, the Bank otherwise. reserves the right to procure the iii. If deductions on account of same or similar materials from liquidated damages exceed alternate sources at the risk, cost more than 10% of the total and responsibility of the selected order price. bidder. iv. On the events of data piracy vii. If the bidder does not perform / privacy / system failures / satisfactorily or delays execution security failures on sole of order, UCO Bank reserves the accountability of the bidder." right to get the balance order executed by another party of its choice by giving 10 days‟ notice for the same. In this event the bidder is bound to make good the additional expenditure, which UCO Bank may have to incur in executing the balance order. This clause is applicable, if for any reason, the order is cancelled. viii. UCO Bank reserves the right to recover any dues payable by the bidder from any amount outstanding to the credit of the bidder, including the bills and /or invoking the Bank Guarantee under this purchase order. ix. Non-compliance of the scope of the job. x. Repetitive failure of the deployed personnel to perform the job to the satisfaction of the bank.
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xi. On the events of data piracy / privacy / system failures / security failures. 77. 45 15. Cancellation of Contract & BIDDER would like to discuss Clause stands as per Realization of Compensation with Bank to include a crucial RFP. clause that is reasonable to provide termination rights for bidder for non-payment or non-performance by the Bank. 78. 47 18. Liquidated Damage BIDDER would like to request Clause stands as per Notwithstanding the Bank’s right the Bank to change the RFP. to cancel the order, liquidated penalty to 0.5% instead of 1% damages at 1% (One per week considering the percent) of the contract price per efforts taken by BIDDER to week will be charged for every provide the services under the week's delay in the scope. specified implementation schedule. The Liquidated Damages including Service Level Penalties would be subject to a maximum of 10% of the total project cost. The Bank reserves its right to recover these amounts in the mode as it deems fit and proper such as adjusting from any payments to be made by UCO BANK to the bidder, etc. without prejudice to its other rights and contentions available under the Law (s) for the time being in force.
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48,20 of 20. Contract Period BIDDER would request the Bank Clause stands as per Part V The tenure of the Contract will be to modify the clause as such RFP. for a period of 5 (five) years any renewal shall be on the effective from the date mutually agreed terms. of execution of the Service Level Agreement (SLA) / date of acceptance of the first Purchase Order unless terminated earlier by the Bank by serving 90 days prior notice in writing to the selected bidder at its own convenience without assigning any reason and without any cost or compensation therefor. However, after the completion of initial period of 5 (five) years, the contract may be extended/renewed for such further period and on such terms and conditions as would be decided by the Bank. 79. 48,20 of 20. Contract Period BIDDER request the Bank to Clause stands as per Part V The tenure of the Contract will be delete the provision relating to RFP. for a period of 5 (five) years termination for convenience. effective from the date of execution of the Service Level Agreement (SLA) / date of acceptance of the first Purchase Order unless terminated earlier by the Bank by serving 90
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days prior notice in writing to the selected bidder at its own convenience without assigning any reason and without any cost or compensation therefor. However, after the completion of initial period of 5 (five) years, the contract may be extended/renewed for such further period and on such terms and conditions as would be decided by the Bank. 80. 48-49,22 22. Order Cancellation BIDDER request the Bank to Clause stands as per of Part V The Bank reserve its right to delete this clause since you RFP. cancel the order in the event of have already covered the one or more of the following same under Clause 15 of Part situations, that are not V. BIDDER also request you to occasioned due to reasons solely modify the clause as requested and directly attributable to the in Clause 15. Bank alone: · Delay in commissioning / implementation / testing beyond the specified period. · Serious discrepancy in the quality of service expected during the implementation, rollout and subsequent maintenance process. · In case of cancellation of order, any payments made by the Bank
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to the Vendor would necessarily have to be returned to the Bank, further the Vendor would also be required to compensate the Bank for any direct loss suffered by the Bank due to the cancellation of the contract/purchase order and any additional expenditure to be incurred by the Bank to appoint any other Vendor. This is after repaying the original amount paid. · Vendor should be liable under this section if the contract/ purchase order has been cancelled in case sum total of penalties and deliveries equal to exceed 10% of the TCO. 81. 52,29 of "…..The Bank will reserve a right to BIDDER would request the Bank Clause stands as per Part V re-negotiate the price and terms to modify this clause as below. RFP. of the entire contract with the "The Parties will reserve a right Selected Bidder at more to re-negotiate the terms of the favourable terms in case such entire contract at mutually terms are offered in the industry at agreeable for both parties" that time for projects of similar and comparable size, scope and quality." 53,31 of 31. Signing of Contract BUDDER request the Bank to Clause stands as per Part V The selected bidder(s) shall be provide a 60 days timeline to RFP. required to enter into a service execute the contract. level agreement (SLA) with UCO Bank, within 15 days of the award
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of the Bid through a Letter of Empanelment or within such extended period as may be specified. 82. 54,34 of 33. Termination Breach of any material terms Clause stands as per Part V UCO BANK reserves the right to and conditions of the RFP. cancel the work/purchase order agreement, including non- or terminate the SLA by giving 90 compliance of the mutually (ninety) days' prior notice in agreed service levels , and writing and recover damages, such breach is not cured within costs and expenses etc., incurred a period of 90 days from the by Bank under the following date of receipt of notice issued circumstances: - by the Bank specify in writing a) The selected bidder commits a expressly the breach and for its breach of any of the terms and remediation. conditions of this RFP or the SLA to BIDDER request the Bank to be executed between the Bank modify the clause as below "34. and the selected Bidder. Termination b) The selected bidder goes into UCO BANK reserves the right to liquidation, voluntarily or cancel the work/purchase otherwise. order or terminate the SLA by c) The selected bidder violates giving 90 (ninety) days' prior the Laws, Rules, Regulations, Bye- notice in writing under the Laws, Guidelines, and following circumstances: - Notifications etc. a) The selected bidder d) An attachment is levied or commits a breach of any of the continues to be levied for a terms and conditions of this RFP period of seven days upon effects or the SLA to be executed of the bid. between the Bank and the e) The selected bidder fails to selected Bidder, provided such complete the assignment as per breach is not cured within 90 the time lines prescribed in the days cure period.
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Work Order/SLA and the b) The selected bidder goes extension, if any allowed. into liquidation, voluntarily or f) Deductions on account of otherwise. liquidated damages exceed c) The selected bidder violates more than 10% of the total work the Laws, Rules, Regulations, order. Bye-Laws, Guidelines, and g) In case the selected bidder Notifications etc. fails to deliver the resources as d) Deductions on account of stipulated in the delivery liquidated damages exceed schedule, UCO BANK reserves the more than 10% of the total work right to procure the same or order. similar resources from alternate The rights of the Bank sources at the risk, cost and enumerated above are in responsibility of the selected addition to the rights/remedies bidder. available to the Bank under the h) After award of the contract, if Law(s) for the time being in the selected bidder does not force." perform satisfactorily or delays execution of the contract, UCO BANK reserves the right to get the balance contract executed by another party of its choice by giving one month‟s notice for the same. In this event, the selected bidder is bound to make good the additional expenditure, which UCO BANK may have to incur in executing the balance contract. This clause is applicable, if the contract is cancelled for any reason, whatsoever. i) UCO BANK reserves the right to
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recover any dues payable by the selected Bidder from any amount outstanding to the credit of the selected bidder, including the adjustment of pending bills and/or invoking the Performance Bank Guarantee under this contract. The rights of the Bank enumerated above are in addition to the rights/remedies available to the Bank under the Law(s) for the time being in force. 83. 56,38 of 38. Termination for Convenience BIDDER would request the Bank Clause stands as per Part V The Bank, by written notice sent to to delete this termination for RFP. the vendor, may terminate the convenience, considering the Contract, in whole or in part, at efforts taken by BIDDER to any time for its convenience. The provide services. Any notice of termination shall specify termination under this RFP that termination is for the Bank‟s should be with cause. convenience, the extent to which performance of work under the Contract is terminated and the date upon which such termination becomes effective. 84. 56,37 of 37. Termination for Default Breach of any material terms Clause stands as per Part V The Bank, without prejudice to and conditions of the RFP. any other remedy for breach of agreement, including non- Contract, by written notice of compliance of the mutually default sent to the bidder, may agreed service levels , and terminate this Contract in whole such breach is not cured within or in part, if the bidder fails to a period of 90 days from the
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perform any obligation(s) under date of receipt of notice issued the Contract. by the Bank specify in writing expressly the breach and for its remediation. Hence, request the Bank to modify this clause. 52,30 of 30. Consequences of Termination BIDDER would like to clarify that Clause stands as per Part V transition of the services will be RFP. on mutually agreed price and training, if any, will be charged additionally. 85. 60,43 of "...c. Bidder shall be liable for any BIDDER would like to request Clause stands as per Part V indirect, consequential, the Bank to delete this RFP. incidental or special damages provision, since this kind of under the agreement/ purchase losses cannot be acceptable order…" under Indian laws. Hence the same needs to deleted. 86. 85, Non - Disclosure Agreement BIDDER request the Bank to Clause stands as per Annexur have mutual confidential RFP. e XVII obligations. 87. General BIDDER would request the Bank BIDDER would request the Bank Clause stands as per that any binding terms and that any binding terms and RFP. conditions shall be on a mutually conditions shall be on a agreed basis. BIDDER requires mutually agreed basis. inclusion of these crucial clauses on a mutually agreed basis and in BIDDER requires inclusion of the this regard the BIDDER would like following crucial clauses on a to discuss with Bank. mutually agreed basis and in this regard the BIDDER would like to discuss with Bank. This list is inclusive of various other terms of the agreement and is not exhaustive.
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1) Cap on Liability (Limitation of Liability) 2) Non-solicitation 3) Intellectual Property Rights 4) Assignment etc. 5) Representation and Warranties 6) Indemnities 7) Termination by BIDDER (for delayed or non-payment by Bank) 8) Confidentiality protection for BIDDER's IP & Patent rights 9) Penalty and SLA 10) Liquidated Damages We would also request the Bank to consider the below aspects: Termination compensation by the Bank in the event of termination of the agreement by the Bank prior to completion of the term. 35 8 i Kindly confirm if the vendor Support is on 24X7 basis needs to support OS, DB, Middleware, Storage on a 24 x 7 basis or a different support window. 88. 35 8 i For the above support window, Vendor has to maintain kindly confirm the specific required uptime of the number of resources by skillset system. that the Bank will need onsite for rendering this support.
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89. 35 8 ii Pls confirm the skill profile of the Vendor has to maintain expected 3 onsite L1 onsite required uptime of the resources and 1 L2 resource. system. What scope does the Bank expect these resources to cover onsite? 90. 35 8 ii With 3 L1 resources, it is not Clause stands as per practically possible to support RFP. the site on a 24 x7 basis. Minimum count required to support will be 5. Need Bank to revise this count accordingly if 24 x 7 support is required. Pls confirm. 35 8 ii 1 L2 support resource cannot Clause stands as per cover 7 days a weeks general RFP. shift. To cover general shift 7 days a week, a minimum count of 2 resources will be required onsite. Bank to revise this count accordingly and confirm. 91. 35 8 i Is the Bank open to a remote Clause stands as per support model for specific RFP. tracks like DB, Middleware, OS, Storage, App Support? 92. 36 8 xi Will the Bank provide a call Please refer clause no. 3 logging tool to the vendor for (iv) of Part IV page no. service management? If yes, 30 will the Bank provide requisite training on this tool?
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93. 36 8 xi Pls explain who will the calls be FM Support team coming in from as it relates to handling EFRMS calls. 36 8 xi What application monitoring NO. tools are already available with the Bank? Can these tools be leveraged by the L1 monitoring team onsite? 94. 36 8 xi Please provide details of the To be shared with number of phone lines / voice selected bidder. channels to be managed by the onsite L1 team? 95. 36 8 xi Please provide details of the Yes number of calls per shift (peak and non-peak) will the L1 team expect to handle onsite? 96. 36 8 xi Please provide a volume of the To be shared with number of daily support selected bidder. incidents occurring/expected in the environment? 9/Part I - the Bank”, is one of the leading Please validate that present Yes 1 public sector Banks in India scope is only to implement having more than 3000+ EFRMS solution for Uco Bank Domestic Branches, four domestic banking Overseas Branches two each at Singapore & Hong Kong Centers 97. 9/Part I - All the branches of the Bank are Please validate that EFRMS Clause stands as per 1 CBS enabled through Finacle implementation would start RFP. (Ver. 7.0.25) and soon going to be after Finacle 10 migration is upgraded to Finacle (Ver. 10.X) as completed. It is possible that a Core Banking Solution before EFRMS is ready to go live, Finacle upgrade is
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completed. Building interfaces first with Finacle 7 and switching the same with Finacle 10 within short spell may not be practical 98. 9/Part I - Undertaking / Power of Attorney OEM scope is to provide Clause stands as per 3 (PoA) from the OEM mentioning software license and patches RFP. a clause that OEM will provide to it during contract period. support services during They do not get into complete warranty ownership of services and period if the bidder authorized would not give such an by them fails to perform undertaking/PoA. As such, we request to please delete this clause 99. 10/Part I if the authorized distributor OEM scope is to provide Clause stands as per - 3 (bidder) is not able to perform software license and patches RFP. obligations as per contract to it during contract period. during contract period, the They donot get into complete OEM / OSD shall ensure ownership of services and continuity of the services would not give such an directly or through authorized undertaking/PoA. As such, we partner request to please delete this clause 10/Part I Bidder should have a minimum With a view to have bids from Clause stands as per – 3 annual turnover of Rs.50 Crores bidders having sound financials RFP. per year who can meet obligations of Annex such an important XVIII requirement, we request to please make this criterion as min. 200 cr. per year
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100. 10/Part I Copies of Purchase Order along EFRMS being a relatively new Clause stands as per – 3 with gamut, most of the RFP. satisfactor implementations are Annex y ongoing and banks would XVIII implementation and working not give certificate at certificate ongoing implementation stage. As such, we request to delete the clause along with satisfactory implementation and working certificate 101. 26/Part III In Commercial Evaluation, no With a view to finalizing Clause stands as per – 2 weightage for Technical Scoring quality solution, we suggest RFP. will be given doing final evaluation as 70:30 techno : commercial 102. 27/Part authorization/decline of the in- EFRMS detection, prevention Clause stands as per IV – 2 flight transaction should not would need interfaces with RFP. affect performance of the transaction system and as source systems such there would be some impact on source system bidder should ensure that the performance. With right EFRM solution does not have a design, it can be kept 28/Part performance impact on the minimum IV – 2 CBS or any other channel
bidder should ensure that the proposed solution does not impact the performance of any 31/Part of the bank’s systems and IV – 3 databases including the Core Banking System (CBS)
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27/Part solution should be able to Please list all the requirements Clause stands as per IV – 2 comply with various RBI and as part of RFP clarification to RFP. other regulatory guidelines help bidders map without any related to Electronic payments understanding gap and Card payment transactions
Bidder should review the information security risks in line 33/Part with RBI guidelines, IT Act etc. IV – 4 and other best security practices for the scope mentioned in the RFP and provide its mitigates 103. 27/Part proposed solution should Please list all the requirements Details will be shared IV – 2 comply with bank’s Information as part of RFP clarification. with successful bidder. Security Policy, KYC/AML policy Once solution is finalized, and regulatory guidelines (as there is little point discussing specified by RBI, NPCI etc.). gaps Information Security Policy, KYC/AML policy will be provided to selected bidder 104. 28/Part solution should regularly track Proposed solution would Clause stands as per IV – 2 alerts generated by system as know frauds trends for Uco RFP. well as global feeds and Bank which bank can use to accordingly advise the Bank assess evolving threats. about global security threats Solution doesn’t have and vulnerabilities. Bidder database on global threats should advise the bank for and vulnerabilities. Please upgrades /changes in the delete this clause security infrastructure of the Bank against evolving threats and responsibilities
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105. 28/Part solution should provide the Please validate that channel Clause stands as per IV – 2 capability to detect, discover, specific detection rules need RFP. prevent and investigate the to be finalized in discussion frauds in real time not only with bank and implemented restricted to only one channel for specified channels but across all the applications mentioned above 28/Part Bidder shall be required to Please make engagement Clause stands as per IV – 2 quote for the end–to–end term definite as three RFP. implementation of EFRM years/five years. Optionality in solution including supply, a fixed price bid tends to implementation training, distort bidders’ planning and customization and commercial construct maintenance and system administration for a period of 2 years. Bank has the option to extend the contract at the same rates for two more years 106. 28/Part Bidder to provide required Please clarify if bank has Clause stands as per IV – 2 hardware for app, web, DB database ULA which can be RFP. layers and storage for both DC used for EFRMS and DR site 107. 28/Part Compliance to standards like Standards are broad. Please Clause stands as per IV – 2 ISO 27001:2013, ISO 22301 etc., specify bank requirements RFP. should be ensured by the Bidder which can be mapped by bidders. It’s better to finalise scope to maximum clarity at RFP stage 108. 29/Part All the solutions supplied as part Typically OEMs provide sw Clause stands as per IV – 2 of this RFP should be supplied license for enterprise wide RFP. with perpetual Enterprise wide use but tagged to total asset License size of bank. As long as ATS is
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payed during contract period, support is provided by OEM. Please validate that bank has same understanding 109. 30/Part Any other delivery channel In a fixed cost bid, scope Clause stands as per IV – 3 introduced by the Bank during including delivery channels RFP. the contract period need to be finalized at RFP stage please. New channels can be taken up through change request 110. 30/Part bidder has to provide a case EFRMS solutions have case Clause stands as per IV – 3 management and ticketing management tool to handle RFP. tool to generate automated alert cases. There is no tickets for the alert, events ticketing tool. Please delete generated by the EFRMS requirement of ticketing tool 111. 31/Part bidders will be required to EFRMS being a relatively new Clause stands as per IV – 3 demonstrate the features of the gamut, most of the RFP. proposed solution as part of implementations are solution walkthrough or during ongoing and banks would reference site visit phase of not be comfortable with site technical evaluation visit at this stage. We request to please delete this requirement 112. 36/Part Data correction activity for Migration will be part of Clause stands as per IV – 8 migration related problems implementation. [post go RFP. and follow up with Bank team live, there will be no migration. Please delete this clause 113. 38/Part Change in the MO Changes to application Clause stands as per IV – 8 (Management Organization) setting need to be handled RFP. structure of the bank from time through change request
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to time to be incorporated in the EFRM solution, for the reporting/escalation purposes, during the period of support coverage by the selected bidder without any extra cost 38/Part bidder will demonstrate the Please clarify if bank will Clause stands as per IV – 11 benchmarking tests to confirm provide benchmark test RFP. compliance with the stated environment performance parameters 114. 38/Part Bank/appointed consultant in UAT is conducted by Clause stands as per IV – 11 coordination with the bidder bank/bank consultant. RFP. shall conduct an Acceptance Bidder will rectify issues test wherein the bidder has to notified by bank during UAT. demonstrate the Please modify this clause implementation of the solution accordingly as per the requirement of the bank. The bidder shall submit detailed reports of the test outcomes to the bank 115. 39/Part V For execution of project, prime Please validate that bank is Please refer – 1 selected bidder may constitute not looking for EFRMS solution Corrigendum a consortium of different on cloud selected bidders such as cloud service providers, OSD etc 116. 39/Part V Bank plans to complete the This complexity and scale of Clause stands as per – 3 implementation process in six implementation needs min. 12 RFP. months months. Deliverables can be done in phases of say online channels in 9 months and offline in 12 months. Please 46/Part V modify accordingly
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- 17 Solution is required to be configured by the bidder within 6 months in a time- bound manner 44/Part V Payment terms on hardware Hardware OEMs take full Clause stands as per – 13 (i) payment on delivery. As RFP. such, we request to please change this payment term as 100% on delivery
117. 44/Part V Payment terms on software Software OEMs take full Clause stands as per – 13 (ii) payment on delivery. As RFP. such, we request to please change this payment term as 100% on delivery
118. 44/Part V AMC, ATS payment terms Please change these as Clause stands as per – 13 (iii, annual in advance. OEMs RFP. iv) take these payments 100% annual in advance 119. 44/Part V Facilities management Please change it as monthly Clause stands as per – 13 (v) payment terms in arrears, aligning to monthly RFP. expenses incurred by bidders 44/Part V Implementation payment terms There is no term defined for Clause stands as per – 13 implementation services. RFP. Please define these as a. 25% on BRD sign off b. 25% on design sign off c. 30% on UAT sign off d. 20% on go live If implementation is in phases for online and offline, services
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payment terms also need to be as % indicated for each phase 120. 48/Part V tenure of the Contract will be Please clarify that contract Clause stands as per – 20 for a period of 5 (five) years starts from acceptance of PO RFP. effective from the date of execution of the Service Level Agreement (SLA) / date of acceptance of the first Purchase Order 121. 57/Part V Warranty and AMC / ATS Hardware and software Please refer RFP clause – 40 OEMs donot give warranty. for proper clarification. They give AMC and ATS respectively. Please delete warranty clauses from RFP 122. 58/Part V Bug fixing, enhancement, Enhancements etc. will need Clause stands as per – 40 modifications, customization, to be handled through RFP. patches, upgrades due to change request statutory, regulatory, industry, Bank specific changes (including installation of new upgrades.)
123. 71/ We hereby undertake and In a bid of this complexity, Clause stands as per Annex agree to abide by all the terms there would be clarifications RFP. VIII and conditions stipulated by and deviations to be the Bank in the RFP Ref No. proposed to bank. We DIT/BPR & BTD/OA/5506/2019-20 request to please allow Date: 11.02.2020 including all mentioning those in proposal annexure, addendum, which can be discussed and corrigendum and amendments mutually agreed with bank. Please change RFP clause
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accordingly
124. 72/ We hereby agree to comply In a bid of this complexity, Clause stands as per Annex IX with all the terms and conditions there would be clarifications RFP. / stipulations as contained in the and deviations to be RFP and the related proposed to bank. We addendums and other request to please allow documents including the mentioning those in proposal changes made to the original which can be discussed and tender documents if any, issued mutually agreed with bank. by the Bank Please change RFP clause accordingly 125. 97/Anne proposed EFRMS should be Data of RBI will have to be Clause stands as per x XIX – capable of generating an alert made available by bank RFP. group 1 when the account of a customer assisted by the Bank is reported as SMA to RBI. Note that this information is available at RBI’s end and presently RBI is notifying this to all the member banks through e-mails routinely on daily basis
102/Ann Linkages from information ex XIX – sources by RBI (e.g. SMA), group 2 peer banks (defaulter lists), DRT, Court case listing databases, etc
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126. 100/Ann solution should provide EFRMS is not a data quality Clause stands as per ex XIX – following transformation nodes solution and doesn’t have RFP. group 2 pre-built these capabilities. Please delete 101/Ann solution should have the Fuzzy logic is hardly used in Clause stands as per ex XIX – capability to provide fuzzy logic EFRMS. Please delete this RFP. group 2 to induce tolerance during requirement as it tends to matching increase solution complexity and cost 127. 101/Ann EFRMS system must have Systems like ALM, GL, Basel Clause stands as per ex XIX – ingestion capabilities from a may not have any fraud RFP. group 2 variety of sources, a including scenario and may please be but not limited to deleted from scope 128. 128/Ann Application Software (Specify OEMs typically size license Clause stands as per ex XX User license Qty) based on asset size of bank. RFP. Please clarify total asset size to be covered for license. Usage can be enterprise wide and no. of users can be used to decide sizing 129. Hardware sizing details For HW sizing, please provide In 1st year 1.2 cr. below details (existing and YoY transaction and growth to be considered for gradually increase to each item): 2.5 cr in 5th yr. Active and inactive card, mobile and internet banking users No. of financials and non financial transactions and EOD transactions
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Split of transactions between Dr. / Cr. and Inquiry transactions Number of application Users and Associated Concurrency of Investigators Number of Transactions - Peak on a daily basis Peak TPS for each channel Number of Accounts Number of Customers Number of Branches Number of ATMs Expected number of alerts on a daily basis For Non Production Environment Test, Development and Training, our understanding is that we can consider logically/configuration partitioning for all 3 Env on the same Physical server. Please validate How many years and quantity data is to be retained in application and how much to be archived 130. General No. of reports Please clarify total no. of Details will be shared reports to be developed with successful bidder.
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131. General Statistical model Please clarify that no statistical Details will be shared model is in scope with successful bidder.
107/Ann Analytics Advanced analytics Clause stands as per ex XIX – requirements given are RFP. group 6 futuristic and need at least 2 years data compilation to use. These have not been used so far in banks in India but tend to increase commercials considerably. We suggest keeping these out of scope. Analytics can be done later on using industry standard modular tools 132. 28/Part Bidder, in coordination with With a view to ensuring quality Clause stands as per IV – 2 OEM (if the bidder is not OEM) implementation, we suggest to RFP. should conduct a gap analysis mandate that complete EFRMS and submit a detailed study of tool implementation be done the Bank’s infrastructure and by OEM who understand their requirements relating to the E- solution best. Bidder would be FRM solution, prepare a SPOC to bank doing project detailed plan document/ road management, data handling, map mentioning all the pre- HW provision and post go live requisites, timeframe of mile- support stones/ achievements leading to the complete implementation of the solution in line with bank’s requirement 133. 102/Ann Should contain crawling Typical EFRM implementation Clause stands as per ex XIX – capabilities which should be does not need external RFP. group 2 able to retrieve Web pages that crawling. Please this
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go many layers deep requirement. If at all needed, originating from a specific URL bank can subscribe to web pages to be crawled and provide data to EFRMS for use 134. 116/Ann Solution must provide wide Please validate that EFRMS is Clause stands as per ex XIX – range of stronger expected to integrate with RFP. group 14 authentication capabilities to existing authentication solution be used based on the risk score in bank. No authentication of the transaction for consumer solution is expected in and corporate proposed EFRMS banking customers 116/Ann Solution should support EFRMS is application fraud Clause stands as per ex XIX – advanced IP geo-intelligence management solution which RFP. group 2 capabilities to deduce IP doesn’t have capability to Country, IP City, Proxy IP, ISP etc. deduce IP etc. If bank provides from the transaction IP address IP data, same can be used in EFRMS. Please modify this clause accordingly 135. 47/Anne selected bidder shall ensure Please validate that only real Clause stands as per x V – 17 minimum uptime of 99.9% for the time scoring engine would be RFP. entire solution considered for this SLA while the solution peripherals like Data management, case management would be considered in active-passive mode 136. 32/Anne bidder must also ensure that the 60% utilization cap of HW will Clause stands as per x IV – 4 hardware resources utilization keep resources idle and this is RFP. should not exceed 60% at any adding when we are point of time in the DC & DR for considering HA aspect. the projected volume of Request bank to consider transactions increasing this cap for more
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optimization of HW requirement.
137. 35/Anne There should be following Please clarify capacity to be Clause stands as per x IV – 7 environments: Test & sized for each environment RFP. Development and production. separately. It could be in terms Each environment must be of % production configured on a separate server/node/resource. The bidder has to provide Hardware and Software sizing for Test and development environments also 138. Page Last Date and Time for receipts of We request to modify this Please refer No. 8 tender bids : 06.03.2020 at 04:00 clause to: Submission of tender corrigendum below. PM to be extended to 21 working days from the date of pre bid responses. 139. Page Minimum marks for qualifying We request to revisit the clause. Clause stands as per No. 26 / criteria for each group: 70% of The minimum marks for RFP. TECHNIC Group Score and Total Score qualifying in each group and in AL AND should be equal or more than 75% total are quite challenging. FUNCTIO Once the evaluation of technical Hence we request to modify it NAL proposals is completed, the to : Minimum marks for EVALUAT bidders who score more than or qualifying criteria for each ION equal to 70% for each group & group: 60% of Group Score and score more than or equal to 75% Total Score should be equal or in Total will only be short-listed for more than 60%. further evaluation process. In case, none of the In case, none of the participating participating bidders qualify on bidders qualify on technical technical criteria and reach or criteria and reach or exceed the exceed the cut-off score of cut-off score of 75% in total or 70% 60% in total or 60% in each
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in each group, then the Bank, at group, then the Bank, at its sole its sole discretion, may relax the discretion, may relax the cut- cut-off score to a lower value, off score to a lower value, which, in any case, should not fall which, in any case, should not below 60% in each group & 65% In fall below 50% in each group & Total score. 50% In Total score. 140. Page i. Hardware cost We request to revisit the clause: Clause stands as per No. 44 / > 90% of the order value along i. Hardware cost RFP. Pt No. 13 with applicable taxes on actual > 70% of the order value along Payment basis will be paid on successful with full applicable taxes of terms user acceptance after delivery, 100% order value on actual installation of the ordered items, basis will be paid on delivery. after realizing penalty charges for The claim of payment should late delivery and / or late contain proof of delivery installation, if any. The claim of signed with date by an payment should contain proof of authorized official of UCO Bank delivery, installation note and User at the respective sites, waybill Acceptance Report signed with etc. date by an authorized official of > 20% of the order value after UCO Bank at the respective sites, successful user acceptance waybill etc. after installation of the ordered > Remaining 10% of the cost items, after realizing penalty along with applicable taxes charges for late delivery and / would be paid after three months or late installation, if any. The from Go-live and successful claim of payment should operation. contain proof of installation ii. Software cost note and User Acceptance > 70% of order value will be paid Report signed with date by an on successful go-live of the authorized official of UCO Bank project. at the respective sites, > 30% of order value will be paid > Remaining 10% of the cost
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after six months of successful along with applicable taxes implementation of the solution. would be paid after one month from Go-live and successful operation. ii. Software cost > 70% of the order value along with full applicable taxes of 100% order value on actual basis will be paid after installation, after realizing penalty charges for late delivery and / or late installation, if any. The claim of payment should contain proof of installation note signed with date by an authorized official of UCO Bank at the respective sites, > 20% of order value will be paid on after successful user acceptance signed with date by an authorized official of UCO Bank at the respective sites, > 10% of order value will be paid after one month of successful implementation of the solution and successful go- live of the project. 141. Page Notwithstanding the Bank’s right Request Bank to revisit this Clause stands as per No. 47/ to cancel the order, liquidated clause : RFP. Pt. No. 18 damages at 1% (One percent) of The Liquidated Damages
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Liquidat the contract price per week will including Service Level ed be charged for every week's Penalties would be subject to a Damage delay in the specified maximum of 5% of the total implementation schedule. The project cost. Liquidated Damages including Service Level Penalties would be subject to a maximum of 10% of the total project cost. The Bank reserves its right to recover these amounts in the mode as it deems fit and proper such as adjusting from any payments to be made by UCO BANK to the bidder, etc. without prejudice to its other rights and contentions available under the Law (s) for the time being in force. Page Bidder shall be liable for any Request Bank to revisit this Clause stands as per No. 60 / indirect, consequential, clause as this liability is onerous RFP. Pt No. 43 incidental or special damages which shall go beyond the Limitatio under the agreement/ purchase contract value. Request Bank n of order. to limit liability to contract Liability value. Pt C 142. Page The selected Bidder agrees to Request Bank to revisit this Clause stands as per No. 49 / indemnify and keep indemnified clause as this liability is onerous RFP. Pt No. 23 Bank at all times against all claims, which shall go beyond the Indemnit demands, actions, costs, contract value. Request Bank y expenses (including legal to limit liability to contract expenses), loss of reputation and value. suits which may arise or be brought against the Bank, by third
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parties on account of negligence or failure to fulfil obligations by the selected bidder or its employees/personnel. 143. 26 In Commercial Evaluation, no EFRMS being a critical system to Clause stands as per /Qualifyi weightage for Technical Scoring the bank and given the large RFP. ng will be given nature of frauds, it is important criteria in to give due weightage to the Total is technical capability of the 75% of Y solution. Many banks have gone for a techno-commercial evaluation 70:30 giving 70% marks to technical scoring and 30% to commercial scoring. Highest scoring bidder is then selected for the project. It is suggested that bank should adopt a similar approach for EFRMS evaluation. 144. Page Uptime of 99.9% Monthly The real time Scoring engine Clause stands as per 43/Point whould be considered for this RFP. VII SLA while the solution periperals like Data management,case management shluld be consider in active-Passive Mode. Kindly confirm Page The bidder must also ensure that 60% Utilization Cape of HW will Clause stands as per 32/Point the hardware resources utilization keep lot reources Idle and this RFP. XI should not exceed 60% at any is adding when we are point of time in the DC & DR considering HA aspect. Request Bank to consider to
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increase this cap for more optimization of HW requirement. 145. Page Environment for Test&Dev, UAT what is capcity to that of Non production 35/Point Prodction needs to consider for hardware should be XI these non-Production sized to make instances successfully development & testing of module / all modules of software simultaneously with fully populated database. 146. Page 27 Bank has implemented Finacle a. Has this version upgradation Version Upgradation is Clause 1 Core Banking Solution version happened in last 6 months? planned by next 12 to i 7.0.25 for retail and corporate Kindly update. 15 months. customers. b. Kindly specify if CBS upgradation has been planned in next 3-5 years as the same is going to impact the implementation. 147. Page 27 Bank has also implemented other Kindly share the list of all source Please refer RFP for Clause1 delivery channels such as ATM, systems (currently active at the further details and ii Cash Deposit Machines, bank) and do indicate the clarification. Passbook Printing Kiosk (PBK), probable years of upgradation Cheque Deposit Machines so that the team can factor-in (CDM), and Mobile Banking for the same while estimating the which interfaces were developed implementation/ support in CBS. Bank has implemented efforts. RTGS, NEFT, IMPS, UPI, CTS, ECS (Cr), ECS (Dr), RECS, NECS, NACH, AEPS, APBS, FI Gateway, Aadhaar enabled transactions, Integrated
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Treasury Management Solution etc. for which interfaces were developed in CBS. Bank has been participating in various initiatives of GOI and respective State Governments for Financial Inclusion. 148. Page 27 The EFRM solution shall cover Kindly share the indicative list of Details will be shared Clause 2 enterprise wide fraud detection new initiatives / systems that with successful bidder. i and prevention covering core the bank is provisioning to add banking solution and indicative in next 3 years. list of channels and applications mentioned in the section 1 above and any new initiative launched by the bank during contract period. 149. Page 27 The Fraud detection should be Kindly share the list of all List of channels already Clause2 done on real time/near real time channels / systems / BUs where mentioned in RFP ii basis as is the bank is interested to have document at Page No. specified for different transactions i. Real-time 29. in the RFP. The ii.Near Real-time authorization/decline of the iii.Offline fraud detection inflight transaction should not process affect performance of the source We also want to understand systems. Bank's expectation regarding the transaction monitoring and alert generation on real time basis. 150. Page 27 The proposed solution should be This point is quite generic. Please refer clause for Clause2 able to comply with various RBI Hence requesting the bank to further clarification iv and other regulatory guidelines mention specific regulatory clauses and RBI circulars to
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related to Electronic payments frame the scope for and Card payment transactions. implementation.
151. Page 27 The EFRMS solution should Kindly share a list of APIs and Details will be shared Clause2 regularly track alerts generated 3rd party integrations that the with successful bidder. vi by system as well as global feeds bank is expecting to be and accordingly advise the Bank integrated with FRMS system. about global security threats and vulnerabilities. 152. Page Proposed Solution should offer The clause is not applicable to Clause stands as per 119, integration with mobile through a FRM Solution as the mobile RFP. Group web services call or a Software banking application of the 16 - Development Kit (SDK). bank performs the required Mobile functionality Banking Frauds 153. Page 31, The bidder to provide all required Request bank to clarify if below Production hardware to INFRASTR hardware for deploying the understanding is correct be sized according to UCTURE proposed application in the regarding the total volume of transactions, REQUIRE Bank’s Data Centre and Disaster environments (five) to be TPS, Benchmarking Size, MENTS – Recovery Site provided: etc. HARDW 1. DC (as per the volumes / TPS Non production ARE / etc. provided) hardware should be NETWOR 2. DR = DC sized to make K / 3. UAT = 20% of DC successfully SECURITY 4. Training = 20% of DC development & testing Any other Environment? of module / all modules of software simultaneously with fully populated database.
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154. Page Proposed should support Understanding is for the Clause stands as per 116, integration with existing 2FA required channels, FRM RFP Group solution for triggering additional Solution will integrate with 14 - authentication methods like OTP, Bank's Existing Additional Internet Soft token based on the risk of the Authentication Systems as Banking transaction applicable. FRM Solution will Frauds request the authentication system to perform additonal authentication like OTP or Email etc. for high risk transactions and the authenticattion system will send a positive / negative response to FRM solution upon successful / failed authentication by the customer. Please clarify if understanding is correct. 155. Page Solution must provide wide range This in contradiction to above This is additional to 116, of stronger authentication point. Understanding is for the existing authentication Group capabilities to be used based on required channels, FRM system. 14 - the risk score of the transaction for Solution will integrate with Internet consumer and corporate Bank's Existing Additional Banking banking customers. Authentication Systems as Frauds applicable. FRM Solution will request the authentication system to perform additonal authentication like OTP or Email etc. for high risk transactions and the authenticattion system will send a positive / negative response to FRM solution upon successful / failed
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authentication by the customer. Please clarify if understanding is correct. 156. Page 10 The bidder submitting the offer We request the bank to Clause stands as per / Clause should beprofit making company change this clause as below: RFP. 3Page (profit after Tax) in:-Last financial The bidder submitting the offer 91 / year i.e. 2018-19 and any oneof should beprofit making Annexur the previous two financial years company (profit after Tax) in e – XVIII i.e., 2016-17 and 2017-18. any twoof the previous three clause financial years i.e., 2016-17, 14 2017-18 and 2018-19. 157. Page 71 Annexure VIII - Undertaking to We request the bank to Clause stands as per abide by all by-laws / rules / accommodate a statement RFP. regulations accept terms and conditions of the Agreement on mutual discussion and acceptance with the Successful bidder, which will supersede the RFP terms and conditions. 158. Page 75 Annexure XII - Undertaking for No We request the bank to Clause stands as per Deviation accommodate a statement RFP. accept terms and conditions of the Agreement on mutual discussion and acceptance with the Successful bidder, which will supersede the RFP terms and conditions. 159. Page 85 Annexure XVII - NON-DISCLOSURE We understand that the NDA Clause stands as per AGREEMENT needs to be submitted by the RFP. selected bidder only. Please confirm.
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160. Page 85 Last Date and Time for receipts of We request the bank to extend Please refer tender bids the submission date by 2 weeks corrigendum below. on publishing the pre-bid responses to enable bidders sufficient time to put forth a competitive bid. 161. 28 vi. The EFRMS solution should Whether client is expecting Clause stands as per regularly track alerts generated bidder to proposed any Cyber RFP. by system as well as Threat Intelligence & Security global feeds and accordingly Monitoring platform to identifty advise the Bank about global the Threat vectors, Kindly security threats and Confirm. vulnerabilities. Bidder should advise the bank for upgrades /changes in the security infrastructure of the Bank against evolving threats and responsibilities. 162. 28 xv. Bidder to provide required Kindly confirm that the Bank will Clause stands as per hardware for app, web, DB layers allow Bidder to leverage to RFP. and storage for secure the proposed new EFRM both DC & DR site. Bidders should platform for network and server quote for all required OS, DB, security services through its middleware and existing vendor, any other software licenses. Security tools: Network Security - Firewalls Network IPS WAF
Server Security - Anti-virus and anti-malware
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Patch Management Solution (OS/DB) Encryption (if applicable) Privilege Identity/access/user management Vulnerability assessment and penetration test
Application Security- Identity and access management Application security testing tool 163. 28 xviii. Compliance to standards Our Understanding is bidder Clause stands as per like ISO 27001:2013, ISO 22301 has to adhere to client existing RFP etc., should be ensured SOP policies and procedures by the Bidder. to build up the setup. ISO 27001:2013, ISO 22301 etc or any certfication is not under scope. 164. 31 vii. The bidder to provide Please provide the Security Details will be shared BCP/DRP as per IT Security policy policies, procedure and with the successful and BCP of the Bank. guidelines that bidder need to bidder. comply with. 165. 32 xx. Security Audit of the Observations / Clause stands as per application and VA & PT will be recommendations need to be RFP. carried out by the Bank at complied within the time limit regular intervals and the as per mutual greement with Observations / the Bank and Bidder. recommendations need to be complied within the time limit as advised by the Bank.
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166. 27/ 2. iv. The proposed solution should be While we agree to comply Clause stands as per able to comply with various RBI with all laws existing as on RFP. and other regulatory guidelines date of submission of bid, it is related to Electronic payments not possible for the bidder to and Card payment transactions. foresee future regulatory requirements and corresponding impact/changes to be done to the services, thus we request that bidder should be liable for compliance of all laws applicable as on date of submission of bid and compliance to any change in law/regulations or enactment of new law/regulation shall be done at extra cost, if having a direct or indirect cost implication, mutually agreed between the parties preferably by Change Request and this clause should be amended accordingly. 167. 27/ 2. v. The proposed solution should While we agree to comply Clause stands as per comply with bank’s Information with all laws existing as on RFP. Security Policy, KYC/AML policy date of submission of bid, it is and regulatory guidelines (as not possible for the bidder to specified by RBI, NPCI etc.). foresee future regulatory Information Security Policy, requirements and KYC/AML policy will be provided corresponding to selected bidder. impact/changes to be done to the services, thus we
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request that bidder should be liable for compliance of all laws applicable as on date of submission of bid and compliance to any change in law/regulations or enactment of new law/regulation shall be done at extra cost, if having a direct or indirect cost implication, mutually agreed between the parties preferably by Change Request and this clause should be amended accordingly. 168. 58/40. During ATS, the bidder will be While we agree to comply Clause stands as per viii. responsible for the following: with all laws existing as on RFP. Bug fixing, enhancement, date of submission of bid, it is modifications, customization, not possible for the bidder to patches, upgrades due foresee future regulatory to statutory, regulatory, industry, requirements and Bank specific changes (including corresponding installation of impact/changes to be done new upgrades.) to the services, thus we request that bidder should be liable for compliance of all laws applicable as on date of submission of bid and compliance to any change in law/regulations or enactment of new law/regulation shall be done at extra cost, if having a direct or indirect cost
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implication, mutually agreed between the parties preferably by Change Request and this clause should be amended accordingly. 169. Page The bidder is solely responsible for As Bank has remedy in this RFP Clause stands as per No.20/Cl any legal obligation related to with respect to any default on RFP. asuse licenses during contract period the part of bidder in No.28(a) for the solution proposed and performance of its obligations Bidder shall give indemnity to in the form of LD, Penalty, that effect. forfeiture of PBG, termination of SLA, we request the Bank to restrict indemnity to 3rd party claim to the extent same is relating to (a) death, personal injury caused due to gross negligence or wilful misconduct of bidder while delivering service; and (b) IP infringement claim to the extent same is made against the bank due to bank's use of Bidder's solution. Bidder agrees to pay all court cost, monetary damages and reasonable attorney fee awarded by the court or as agreed in a settlement between bidder and claiming party, if Bank provides, prompt notice of claim, sole control to defend or settle the claim, all
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information, support and cooperation reasonably required by the bidder to defend or settle the claim. with respect to threatened or actual IP Claim, bidder will entitled to modify, seek license or replace the solution and if none of these options are available, bidder shall be entitled to take the infringing solution back and refund bank solution fee paid by the bank less 5 year depreciation. These are the sole remedy of Bank for any claim. 170. Page UCO Bank shall be under no If the bank makes any Clause stands as per No.20/Cl obligation to accept the lowest changes in the terms and RFP. asuse or any other offer received in conditions under the RFP, the No.28(b) response to this offer notice and same should be reviewed and shall be entitled to reject any or approved by the bidder. all offers without assigning any reason whatsoever. UCO Bank has the right to re-issue tender/bid. UCO Bank reserves the right to make any changes in the terms and conditions of purchase that will be informed to all bidders. UCO Bank will not be obliged to meet and have discussions with any bidder, and / or to listen to any
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representations once their offer/bid is rejected. Any decision of UCO Bank in this regard shall be final, conclusive and binding upon the bidder. 171. Page The proposed solution should be While we agree to comply with Clause stands as per No.27/Cl able to comply with various RBI all the applicable guidelines RFP. asuse and other regulatory guidelines issued by RBI and bank’s No.2(iv) related to Electronic payments Information Security Policy, and Card payment transactions. KYC/AML policy and regulatory 172. Page The proposed solution should guidelines (as specified by RBI, Clause stands as per No.27/Cl comply with bank’s Information NPCI etc.). RFP. asuse Security Policy, KYC/AML policy Information Security Policy, No.2(v) and regulatory guidelines (as KYC/AML, existing as on date specified by RBI, NPCI etc.). of submission of bid, it is not Information Security Policy, possible for the bidder to KYC/AML policy will be provided envisage guidelines/policies to selected bidder. which may be applicable in future and corresponding changes to be done to the solution, thus we request that bidder should be liable for compliance to all the applicable guidelines by RBI or policies as on date of submission of bid and compliance to any new guidelines or any change in existing guidelines shall be done at cost mutually agreed between the parties and this
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clause should be amended accordingly.
173. Page EFRM setup/infrastructure may be The audit will be performed as Clause stands as per No.29/Cl subjected to audit from Bank per the standard policies of the RFP. asuse and/or third party and/or bidder. The purview of the No.2(xxvi regulatory body. It shall be audit will be limited to the ii) responsibility of the Bidder to solution provided by the bidder cooperate and provide under the RFP. Further, the necessary information and bank and its auditors should be support to the auditors with bound by the confidentiality respect to the EFRM project. The requirement of the bidder. If Bidder must ensure that the audit auditors made any observation observations are closed on top which is not as per the scope of priority and to the satisfaction of work agreed between the the Bank, regulator and its bidder and the bank, then only appointed auditors. Extreme care bidder will be liable to resolve should be taken by the Bidder to that issue. Otherwise, to the ensure that the observations do extent possible, the bidder will not get repeated in subsequent use its reasonable efforts to audits. Such noncompliance by rectify any audit observation Bidder shall attract penalty. on a mutually agreed cost with the bank. 174. Page The application software While we agree to comply with Clause stands as per No.32/Cl developed or customized should Bank’s IS Security policy, RFP. asuse follow a standard development existing as on date of No.4(xxi) process to ensure that it meets submission of bid, it is not functional, security, performance possible for the bidder to & regulatory requirements of the envisage guidelines which may Bank. The bidder should comply be applicable in future and with Bank’s IS corresponding changes to be done to the solution, thus we
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Security policy in key concern request that bidder should be areas relevant to the RFP. liable for compliance to Bank’s IS Security policy as on date of submission of bid and compliance to any new guidelines or any change in existing guidelines shall be done at cost mutually agreed between the parties and this clause should be amended accordingly. 175. Page Bidder should review the While we agree to comply with Clause stands as per No.32/Cl information security risks in line all the applicable guidelines RFP. asuse with RBI guidelines, IT issued by RBI and IT act, existing No.4(xxiii Act etc. and other best security as on date of submission of bid, ) practices for the scope it is not possible for the bidder mentioned in the RFP to envisage guidelines which and provide its mitigates. Bidder may be applicable in future should submit a certificate and corresponding changes to indicating that the be done to the solution, thus solution being proposed in the we request that bidder should RFP, is complying all regulatory be liable for compliance to all guidelines viz RBI the applicable guidelines by Guidelines/IT Act etc. RBI and IT act as on date of submission of bid and compliance to any new guidelines or any change in existing guidelines shall be done at cost mutually agreed between the parties and this clause should be amended accordingly.
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176. Page The Bank will accept the solution If the bank fails to provide any Clause stands as per No.34/Cl on satisfactory completion of the response within 15 days of the RFP. asuse UAT and go live. The warranty golive date, it will be No.7(ix) period of one year for the solution concluded as deemed will commence after acceptance by the bank. go live. 177. Page In case of discrepancy in facilities In case of any voilation of the Clause stands as per No.34/Cl /services provided, the Bank condition stiulated in the RFP. asuse reserves the contract, which is not caused No.7(x) right to cancel the entire due to any act of the bank, the contract. bank has right to impose penalty on the bidder for such delay. Further, request the bank to add an extension period to cure such delay. If the bidder is not able to complete its obligation after the end of such extension period, the bank may terminate the contract.
Request to add termination right for vendor for any material default of bank in the agreement .The penalty will be subject to an overall cap of 10% of the contract value. The vendor will not pay any interest after the cancellation of order. 178. Page Further, the Bank reserves the right The purpose of having a Clause stands as per No.42/Cl to invoke the Performance Bank performance bank guarantee RFP. Guarantee in case is to recover the money for the
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asuse the Prime Selected bidder is not breach of terms by the bidder No.8 able to fulfill any or all conditions if the bank fails to recover the specified in the LD and other penalty under the document or is unable to contract. Therefore, PBG complete the project within the should not be taken as an extra stipulated time. This is remedy under the contract. independent of the LD on Delivery and installation. 179. Page The selected bidder will be Price is based on multiple Clause stands as per No.44/Cl required to keep the price valid factors like taxes, compliance RFP. asuse for a period of 02 years (24 of regulations proposed by No.12 months) from the date of statutory, regulatory issuance of Purchase Order. There authorities, volume of services, shall be no increase in components of services, AMC, price for any reason whatsoever penalty, LD, FOREX, thus, in during the period of 24 months case of any changes to any of and Bank may place the above components, same the additional Purchase Orders to will have implication on price. the selected bidder for any or all Hence, in case of change in of the services at above factors, Bidder should the agreed unit rate for line items be entitled to revise the fee as mentioned in the commercial offer.. format i.e. Annexure – XXII during the price validity period of 24 months. 180. Page The bank reserves the right to As Price of any solution is based Clause stands as per No.45/Cl cancel the order placed on the on multiple factors like term of RFP. asuse selected bidder and the Agreement, Warranty and No.15 realize compensation on the AMC, taxes, compliance of following circumstances: regulations proposed by i. The bidder commits a breach of statutory, regulatory any of the terms and conditions of authorities, volume of services,
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the offer or components of services, any of the terms and conditions of penalty, LD, FOREX, thus, we the Purchase Order / SLA. request the Bank to terminate ii. The bidder goes into liquidation the Agreement only in the voluntarily or otherwise. event Bidder defaults in iii. An attachment is levied or delivering the Solution in continues to be levied for a compliance with the period of 7 days upon the specifications mentioned in the effects of the order. RFP and same is not rectified by iv. The progress regarding the bidder within 30 days cure execution of the order accepted period from the date of receipt made by the selected of notice specifying such bidder is found to be default. Hence, we request unsatisfactory. Bank to kindly amend this v. If deductions on account of clause accordingly. liquidated damages exceed more than 10% of the total order price. vi. In case the bidder fails to deliver the quantity as stipulated in the delivery schedule, the Bank reserves the right to procure the same or similar materials from alternate sources at the risk, cost and responsibility of the selected bidder. vii. If the bidder does not perform satisfactorily or delays execution of order, UCO Bank reserves the right to get the balance order executed by
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another party of its choice by giving 10 days’ notice for the same. In this event the bidder is bound to make good the additional expenditure, which UCO Bank may have to incur in executing the balance order. This clause is applicable, if for any reason, the order is cancelled. viii. UCO Bank reserves the right to recover any dues payable by the bidder from any amount outstanding to the credit of the bidder, including the bills and /or invoking the Bank Guarantee under this purchase order. ix. Non-compliance of the scope of the job. x. Repetitive failure of the deployed personnel to perform the job to the satisfaction of the bank. xi. On the events of data piracy / privacy / system failures / security failures. 181. Page If the selected bidder fails to As Price of any solution is based Clause stands as per No.46/Cl complete the due performance on multiple factors like term of RFP. asuse of the contract in the Agreement, Warranty and No.17(ii) accordance with the AMC, taxes, compliance of
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specification and conditions of regulations proposed by the offer document, the Bank statutory, regulatory reserves the right either to cancel authorities, volume of services, the order or to recover a suitable components of services, amount as penalty, LD, FOREX, thus, we deemed reasonable as Penalty / request the Bank to terminate Liquidated Damage for non- the Agreement only in the performance. event Bidder defaults in delivering the Solution in compliance with the specifications mentioned in the RFP and same is not rectified by the bidder within 30 days cure period from the date of receipt of notice specifying such default. Hence, we request Bank to kindly amend this clause accordingly. 182. Page If the solution or any of its As Bank has remedy in this RFP Clause stands as per No.46/Cl components behaves with respect to any default on RFP. asuse erroneously which results in the part of bidder in No.17(ii) monetary or business loss to the performance of its obligations Bank, then the entire amount of in the form of LD, Penalty, such loss shall be forfeiture of PBG, termination of recovered from the bidder on SLA, we request the Bank to actual basis. restrict indemnity to 3rd party claim to the extent same is relating to (a) death, personal injury caused due to gross negligence or willful misconduct of bidder while delivering service; and (b) IP
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infringement claim to the extent same is made against the bank due to bank's use of Bidder's solution. Bidder agrees to pay all court cost, monetary damages and reasonable attorney fee awarded by the court or as agreed in a settlement between bidder and claiming party, if Bank provides, prompt notice of claim, sole control to defend or settle the claim, all information, support and cooperation reasonably required by the bidder to defend or settle the claim. with respect to threatened or actual IP Claim, bidder will entitled to modify, seek license or replace the solution and if none of these options are available, bidder shall be entitled to take the infringing solution back and refund bank solution fee paid by the bank less 5 year depreciation. These are the sole remedy of Bank for any claim. 183. Page Penalty and Uptime The overall penalty (including Clause mentioned in No.46/Cl Liquidated Damage) is limited RFP
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asuse to 10% of the total contract No.17 value.
184. Page However, any penalty imposed The overall penalty (including Clause stands as per No.47/Cl by Liquidated Damage) is limited RFP. asuse the Govt./UIDAI or any other to 10% of the total contract No.17 statutory body due to act/failure value. of conduct/leakage of data by selected bidder or its agents shall be entirely borne by the bidder. Once the maximum limit of the penalty is reached, the Bank may consider termination of the contract, after invoking Performance Bank Guarantee submitted by the bidder. 185. Page Notwithstanding the Bank’s right The overall penalty (including Clause stands as per No.47/Cl to cancel the order, liquidated Liquidated Damage) is limited RFP. asuse damages at 1% (One to 10% of the total contract No.18 percent) of the contract price per value. week will be charged for every week's delay in the specified implementation schedule. The Liquidated Damages including Service Level Penalties would be subject to a maximum of 10% of the total project cost. The Bank reserves its right to recover these
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amounts in the mode as it deems fit and proper such as adjusting from any payments to be made by UCO BANK to the bidder, etc. without prejudice to its other rights and contentions available under the Law (s) for the time being in force. 186. Page The tenure of the Contract will be We request the Bank to Clause stands as per No.48/Cl for a period of 5 (five) years terminate the Agreement only RFP. asuse effective from the date in the event Bidder defaults in No.20 of execution of the Service Level delivering the Solution in Agreement (SLA) / date of compliance with the acceptance of the first specifications mentioned in the Purchase Order unless terminated RFP and same is not rectified by earlier by the Bank by serving 90 the bidder within 30 days cure days prior notice in period from the date of receipt writing to the selected bidder at of notice specifying such its own convenience without default. Hence, we request assigning any reason Bank to kindly delete this clause and without any cost or accordingly. compensation therefor. However, after the completion of initial period of 5 (five) years, the contract may be extended/renewed for such further period and on such terms and conditions as would be decided by the Bank.
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The performance of the selected bidder shall be reviewed every quarter and the Bank reserves the right to terminate the contract at its sole discretion by giving 90 days’ notice without assigning any reasons and without any cost or compensation therefor. Any offer falling short of the contract validity period is liable for rejection. 187. Page The Bank reserve its right to We request the Bank to Clause stands as per No.48/Cl cancel the order in the event of terminate the Agreement only RFP. asuse one or more of the in the event Bidder defaults in No.22 following situations, that are not delivering the Solution in occasioned due to reasons solely compliance with the and directly specifications mentioned in the attributable to the Bank alone: RFP and same is not rectified by · Delay in commissioning / the bidder within 30 days cure implementation / testing beyond period from the date of receipt the specified period. of notice specifying such Serious discrepancy in the quality default. Hence, we request of service expected during the Bank to kindly delete this clause implementation, rollout and accordingly. subsequent maintenance process. As Bank has remedy in this RFP · In case of cancellation of order, with respect to any default on any payments made by the Bank the part of bidder in to the performance of its obligations Selected bidder would in the form of LD, Penalty, necessarily have to be returned forfeiture of PBG, termination of
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to the Bank, further the SLA, we request the Bank to Selected bidder would also be restrict indemnity to 3rd party required to compensate the Bank claim to the extent same is for any direct relating to (a) death, personal loss suffered by the Bank due to injury caused due to gross the cancellation of the negligence or willful contract/purchase misconduct of bidder while order and any additional delivering service; and (b) IP expenditure to be incurred by the infringement claim to the Bank to appoint extent same is made against any other Selected bidder. This is the bank due to bank's use of after repaying the original Bidder's solution. Bidder agrees amount paid. to pay all court cost, monetary · Selected bidder should be liable damages and reasonable under this section if the contract/ attorney fee awarded by the purchase court or as agreed in a order has been cancelled in case settlement between bidder sum total of penalties and and claiming party, if Bank deliveries equal to provides, prompt notice of exceed 10% of the TCO. claim, sole control to defend or settle the claim, all information, support and cooperation reasonably required by the bidder to defend or settle the claim. with respect to threatened or actual IP Claim, bidder will entitled to modify, seek license or replace the solution and if none of these options are available, bidder shall be entitled to take the infringing solution back and
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refund bank solution fee paid by the bank less 5 year depreciation. These are the sole remedy of Bank for any claim.
The overall penalty (including Liquidated Damage) is limited to 10% of the total contract value. 188. Page The selected Bidder agrees to As Bank has remedy in this RFP Clause stands as per No.49/Cl indemnify and keep indemnified with respect to any default on RFP. asuse the Bank against all the part of bidder in No.23 losses, damages, costs, charges performance of its obligations and expenses incurred or suffered in the form of LD, Penalty, by the Bank due to forfeiture of PBG, termination of or on account of any claim for SLA, we request the Bank to infringement of intellectual restrict indemnity to 3rd party property rights. claim to the extent same is The selected Bidder agrees to relating to (a) death, personal indemnify and keep indemnified injury caused due to gross the Bank against all negligence or willful losses, damages, costs, charges misconduct of bidder while and expenses incurred or suffered delivering service; and (b) IP by the Bank due to infringement claim to the or on account of any breach of extent same is made against the terms and conditions the bank due to bank's use of contained in this RFP or Bidder's solution. Bidder agrees Service Level Agreement to be to pay all court cost, monetary executed. damages and reasonable The selected Bidder agrees to attorney fee awarded by the indemnify and keep indemnified court or as agreed in a
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Bank at all times settlement between bidder against all claims, demands, and claiming party, if Bank actions, costs, expenses provides, prompt notice of (including legal expenses), loss of claim, sole control to defend or reputation and suits which may settle the claim, all information, arise or be brought against the support and cooperation Bank, by third parties reasonably required by the on account of negligence or bidder to defend or settle the failure to fulfil obligations by the claim. with respect to selected bidder or its threatened or actual IP Claim, employees/personnel. bidder will entitled to modify, All indemnities shall survive seek license or replace the notwithstanding expiry or solution and if none of these termination of Service Level options are available, bidder Agreement and the selected shall be entitled to take the bidder shall continue to be liable infringing solution back and under the indemnities. refund bank solution fee paid Selected Bidder is required to by the bank less 5 year furnish a separate Letter of depreciation. These are the Indemnity (Format whereof sole remedy of Bank for any to be supplied by the Bank) in claim. Bank’s favour in this respect before or at the time of execution of the Service Level Agreement. 189. Page Selected bidder should We request the Bank to delete Clause stands as per No.50/Cl guarantee that all the material as this provision as the solution will RFP. asuse deemed suitable for the be customised as per the No.27 delivery and management for the requiements of the bank. The RFP for Implementation of EFRMS. bidder is not in position to All hardware and provide any such guarranty. software must be supplied with
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their original and complete printed documentation.
190. Page The Bidder shall not be entitled to The bidder will continue Clause stands as per No.51/Cl suspend the Service/s or the providing the services in case RFP. asuse completion of the job, of any dispute between the No.28 pending resolution of any dispute parties, provided bank agrees between the Parties, rather shall to pay for all undisputed continue to render invoices . the Service/s in accordance with the provisions of the Contract/ Service Level Agreement. 191. Page The Bank reserves the right to We request the Bank to Clause stands as per No.51/Cl cancel the contract in the event terminate the Agreement only RFP. asuse of happening one or in the event Bidder defaults in No.29 more of the following Conditions: delivering the Solution in § Failure of the Selected bidder to compliance with the accept the contract / purchase specifications mentioned in the order and RFP and same is not rectified by furnish the Performance the bidder within 30 days cure Guarantee within 30 days of period from the date of receipt receipt of purchase of notice specifying such contract; default. Hence, we request § Delay in offering; Bank to kindly delete this clause § Delay in commissioning project accordingly. beyond the specified period; § Delay in completing commissioning / implementation and acceptance tests / checks beyond the specified periods;
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§ Serious discrepancy in project noticed during the testing; § Serious discrepancy in functionality to be provided or the performance levels agreed upon, which have an impact on the functioning of the Bank. § Serious discrepancy in completion of project. § Serious discrepancy in maintenance of project. 192. Page The Bank will reserve a right to re- Price is based on multiple Clause stands as per No.51/Cl negotiate the price and terms of factors like taxes, compliance RFP. asuse the entire contract of regulations proposed by No.29 with the Selected Bidder at more statutory, regulatory favorable terms in case such authorities, volume of services, terms are offered in the components of services, AMC, industry at that time for projects of penalty, LD, FOREX, thus, it similar and comparable size, won’t be possible for the scope and quality. bidder to re-negotiate the prices. 193. Page The Bank shall have the option of Price is based on multiple Clause stands as per No.51/Cl purchasing the equipment from factors like taxes, compliance RFP. asuse third-party suppliers, of regulations proposed by No.29 in case such equipment is statutory, regulatory available at a lower price and the authorities, volume of services, Selected Bidder’s offer components of services, AMC, does not match such lower price. penalty, LD, FOREX, thus, we Notwithstanding the foregoing, request the bank to remove this the Selected Bidder clause. shall continue to have the same
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obligations as contained in this scope document in relation to such equipment procured from third-party suppliers. 194. Page UCO BANK reserves the right to As Price of any solution is based Clause stands as per No.54/Cl cancel the work/purchase order on multiple factors like term of RFP. asuse or terminate the SLA the Agreement, Warranty and No.34 by giving 90 (ninety) days' prior AMC, taxes, compliance of notice in writing and recover regulations proposed by damages, costs and statutory, regulatory expenses etc. incurred by Bank authorities, volume of services, under the following components of services, circumstances: penalty, LD, FOREX, thus, we request the Bank to terminate the Agreement only in the event Bidder defaults in delivering the Solution in compliance with the specifications mentioned in the RFP and same is not rectified by the bidder within 30 days cure period from the date of receipt of notice specifying such default. Hence, we request Bank to kindly amend this clause accordingly. 195. Page The selected service provider While we agree to comply with Clause stands as per No.54/Cl hereto agrees that it shall comply all the applicable laws and RFP. asuse with Labour Lawsand all guidelines issued by RBI , No.35(a) applicable union, state and local existing as on date of laws, ordinances, regulations, submission of bid, it is not
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CVC / possible for the bidder to RBI guidelines / statutory envisage guidelines which may requirements and codes in be applicable in future and performing its obligations corresponding changes to be hereunder, including the done to the solution, thus we procurement of licenses, permits request that bidder should be and certificates and liable for compliance to all the payment of taxes where required applicable laws and guidelines at no additional cost to the Bank. by RBI as on date of submission of bid and compliance to any new guidelines or any change in existing guidelines shall be done at cost mutually agreed between the parties and this clause should be amended accordingly. 196. Page If at any time during the term of As Price of any solution is based Clause stands as per No.54/Cl this Agreement, if UCO Bank is on multiple factors like term of RFP. asuse informed or the Agreement, Warranty and No.35(c) information comes to its attention AMC, taxes, compliance of that the selected service provider regulations proposed by is or may be statutory, regulatory in violation of any terms and authorities, volume of services, conditions mutually agreed components of services, between the UCO Bank penalty, LD, FOREX, thus, we and the service provider, which request the Bank to terminate proves to be unsatisfactory to the the Agreement only in the UCO Bank, event Bidder defaults in then the UCO Bank shall be delivering the Solution in entitled to terminate this compliance with the Agreement by giving not specifications mentioned in the RFP and same is not rectified by
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less than one month notice in the bidder within 30 days cure writing. period from the date of receipt of notice specifying such default. Hence, we request Bank to kindly amend this clause accordingly. 197. Page The selected bidder shall While we agree to comply with Clause stands as per No.54/Cl undertake to observe, adhere to, all the applicable laws and RFP. asuse abide by, comply guidelines issued by RBI other No.35(d) with and notify the Bank about all regulatory authorities, existing laws in force or as are or as made as on date of submission of bid, applicable it is not possible for the bidder in future, pertaining to or to envisage guidelines which applicable to them, their may be applicable in future business, their employees or and corresponding changes to their obligations towards them be done to the solution, thus and all purposes of this tender we request that bidder should and shall be liable for compliance to all indemnify, keep indemnified, the applicable laws and hold harmless, defend and guidelines by RBI as on date of protect the Bank and its submission of bid and employees/officers/staff/ compliance to any new personnel/representatives/agent guidelines or any change in s from any failure or existing guidelines shall be omission on its part to do so and done at cost mutually agreed against all claims or demands of between the parties and this liability and all clause should be amended consequences that may occur or accordingly. arise for any default or failure on its part to As Bank has remedy in this RFP conform or comply with the with respect to any default on above and all other statutory the part of bidder in
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obligations arising performance of its obligations there from. in the form of LD, Penalty, forfeiture of PBG, termination of SLA, we request the Bank to 198. Page All the employees/operator Clause stands as per restrict indemnity to 3rd party No.54/Cl deployed by the selected bidder RFP. claim to the extent same is asuse for the digitization relating to (a) death, personal No.35(e) activity must comply with injury caused due to gross government‘s rules and negligence or willful regulations like minimum misconduct of bidder while wages act, Provident fund and delivering service; and (b) IP ESIC facility standard. (Proof of infringement claim to the compliance and extent same is made against labour license needs to be the bank due to bank's use of submitted along with the Bidder's solution. Bidder agrees quotation). to pay all court cost, monetary 199. Page This indemnification is only a Clause stands as per damages and reasonable No.54/Cl remedy for the Bank. The selected RFP. attorney fee awarded by the asuse bidder is not court or as agreed in a No.35(f) absolved from its responsibility of settlement between bidder complying with the statutory and claiming party, if Bank obligations as provides, prompt notice of specified above. Indemnity claim, sole control to defend or would be limited to court settle the claim, all information, awarded damages and support and cooperation shall exclude indirect, reasonably required by the consequential and incidental bidder to defend or settle the damages. However claim. with respect to indemnity would cover damages, threatened or actual IP Claim, loss or liabilities suffered by the bidder will entitled to modify, bank arising seek license or replace the out of claims made by its
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customers and/or regulatory solution and if none of these authorities. options are available, bidder shall be entitled to take the infringing solution back and 200. Page The selected bidder confirms to Clause stands as per refund bank solution fee paid No.54/Cl Bank that it complies with all RFP. by the bank less 5 year asuse Central, State, depreciation. These are the No.35(g) Municipal laws and local laws sole remedy of Bank for any and rules and regulations and claim. shall undertake to observe, adhere to, abide by, comply with and notify Bank about compliance with all laws in force including Information Technology Act 2000, or as are or as made applicable in future, pertaining to or applicable to them, their business, their employees or their obligations towards them and for all purposes of this Contract, and shall indemnify, keep indemnified, hold harmless, defend and protect Bank and its officers/staff/personnel/represent atives/agents from anyfailure or omission on its part to do so and against all claims or demands of liability and all consequences that may occur or arise for any default or failure
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on its part to conform or comply with the above and all other statutory obligations arising there from. The Bidder shall promptly and timely obtain all such consents, permissions, approvals, licenses, etc., as may be necessary or required for any of the purposes of this project or for the conduct of their own business under any applicable Law, Government Regulation / Guidelines and shall keep the same valid and in force during the term of the project, and in the event of any failure or omission to do so, shall indemnify, keep indemnified, hold harmless, defend, protect and fully compensate Bank and its employees/officers/staff/personn el/ representatives/agents from and against all claims or demands of liability and all consequences that may occur or arise for any default or failure on its part to conform or comply with the above and all
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other statutory obligations arising there from and Bank will give notice of any such claim or demand of liability within reasonable time to the Bidder. 201. Page The Bank, without prejudice to We request the Bank to Clause stands as per No.56/Cl any other remedy for breach of terminate the Agreement only RFP. asuse Contract, by written in the event Bidder defaults in No.37 notice of default sent to the delivering the Solution in bidder, may terminate this compliance with the Contract in whole or in part, if specifications mentioned in the the bidder fails to perform any RFP and same is not rectified by obligation(s) under the Contract. the bidder within 30 days cure period from the date of receipt of notice specifying such default. Hence, we request Bank to kindly amend this clause accordingly. 202. Page The Bank, by written notice sent to We request the Bank to Clause stands as per No.56/Cl the selected bidder, may terminate the Agreement only RFP. asuse terminate the Contract, in the event Bidder defaults in No.38 in whole or in part, at any time for delivering the Solution in its convenience. The notice of compliance with the termination shall specifications mentioned in the specify that termination is for the RFP and same is not rectified by Bank’s convenience, the extent the bidder within 30 days cure to which period from the date of receipt performance of work under the of notice specifying such Contract is terminated and the default. Hence, we request date upon which such Bank to kindly amend this termination becomes effective. clause accordingly.
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203. Page The Bidder shall not be entitled to The bidder will continue Clause stands as per No.57/Cl suspend the Service/s or the providing the services in case RFP. asuse completion of the of any dispute between the No.39(e) job, pending resolution of any parties, provided bank agrees dispute between the Parties and to pay for all undisputed shall continue to invoices . render the Service/s in accordance with the provisions of the Contract/Agreement notwithstanding the existence of any dispute between the Parties or the subsistence of any arbitration or other proceedings. 204. Page Bidder's aggregate liability under As there are multiple liabilities Clause stands as per No.59/Cl the contract shall be limited to a of the Bidder under this RFP, we RFP. asuse maximum of the request the Bank to kindly No.43 contract value. This limit shall not include liability limitation clause apply to third party claims for:- as proposed below: In no event a. IP Infringement indemnity. Bidder will be liable to the Bank b. Bodily injury (including Death) for any indirect, incidental, and damage to real property consequential, special or and tangible punitive damages or for loss of property caused by Bidder/s' profit or revenue, loss of time, gross negligence. For the purpose opportunity, or data, whether of this section, in an action in contract, tort, contract value at any given point product liability, statute, equity of time, means the aggregate or otherwise. Bidder will not be value of the cumulative liable to the Bank purchase orders placed by Bank for any amount greater than on the Bidder that gave rise to the purchase price or service claim, under this
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RFP. fee set forth in applicable c. Bidder shall be liable for any purchase order. indirect, consequential, incidental or special damages under the agreement/ purchase order. 205. Page Further, we hereby undertake The bidder agrees to abide by Clause stands as per No.70/A and agree to abide by all terms all the terms mutually agreed RFP. nnexure and conditions between the parties. VII and guidelines stipulated by the Bank. We understand that any deviation may result in disqualification of our bid. 206. Page In consideration of UCO Bank, a While we agree to comply with Clause stands as per No.71/A body corporate, constituted all the applicable laws and RFP. nnexure under Banking Companies guidelines issued by RBI , VIII (Acquisition & Transfer of existing as on date of Undertakings) Act, 1970 as submission of bid, it is not amended from time to time possible for the bidder to having envisage guidelines which may its Head Office at 10, Biplabi be applicable in future and Trailokya Maharaj Sarani, Kolkata- corresponding changes to be 700001 (hereinafter done to the solution, thus we referred to as “Bank” which request that bidder should be expression shall include its liable for compliance to all the successors and assigns), we, applicable laws and guidelines M/s…………………., having its by RBI as on date of submission Registered Office of bid and compliance to any at………………………, do hereby, new guidelines or any change having in existing guidelines shall be examined the RFP including all done at cost mutually agreed Annexure, confirm and agree to between the parties and this
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comply with all Laws, Rules, clause should be amended Regulations, By-Laws, Guidelines, accordingly. Notifications etc. 207. Page We hereby undertake and agree The bidder agrees to abide by Clause stands as per No.71/A to abide by all the terms and all the terms mutually agreed RFP. nnexure conditions stipulated by between the parties. VIII the Bank in the RFP Ref No. DIT/BPR & BTD/OA/5506/2019-20 Date: 11.02.2020 including all annexure, addendum, corrigendum and amendments, if any. We certify that the services offered shall be in conformity with the terms & conditions and Scope of Work stipulated in the annexures of the said RFP. 208. Page We do also hereby irrevocably As Bank has remedy in this RFP Clause stands as per No.71/A and unconditionally agree and with respect to any default on RFP. nnexure undertake to save and the part of bidder in VIII keep the Bank, including its performance of its obligations respective directors, officers, and in the form of LD, Penalty, employees and keep forfeiture of PBG, termination of them harmless from and against SLA, we request the Bank to any claim, demand, losses, restrict indemnity to 3rd party liabilities or expenses of any claim to the extent same is nature and kind whatsoever and relating to (a) death, personal any damage caused from and injury caused due to gross against all suits and negligence or willful other actions that may be misconduct of bidder while instituted taken or preferred delivering service; and (b) IP against the Bank by whomsoever infringement claim to the
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and all losses, damages, costs, extent same is made against charges and expenses arising out the bank due to bank's use of of non-compliance Bidder's solution. Bidder agrees with or non-adherence to any to pay all court cost, monetary statutory/regulatory requirements damages and reasonable and/or any other law attorney fee awarded by the for the time being in force. court or as agreed in a settlement between bidder and claiming party, if Bank provides, prompt notice of claim, sole control to defend or settle the claim, all information, support and cooperation reasonably required by the bidder to defend or settle the claim. with respect to threatened or actual IP Claim, bidder will entitled to modify, seek license or replace the solution and if none of these options are available, bidder shall be entitled to take the infringing solution back and refund bank solution fee paid by the bank less 5 year depreciation. These are the sole remedy of Bank for any claim. 209. Page If our bid is accepted, we are The bidder agrees to perform Clause stands as per No.74/A responsible for the due the services on all the terms RFP. nnexure performance as per the scope mutually agreed between the XI parties.
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of work and terms & conditions as per mentioned in RFP.
210. Page Undertaking for No Deviation The bidder agrees to perform Clause stands as per
No.75/A the services on all the terms RFP.
nnexure mutually agreed between the
XII parties.
211. Page (d) Indemnification: The We request the bank to Clause stands as per
No.89/A Receiving Party shall indemnify remove this provision. In case of RFP.
nnexure the Bank and hold the any breach in the
XVII Bank harmless against any loss confidentiality terms, the
caused to it as a result of the non- disclosing party may seek the
performance or appropriate remedy from the
improper performance of this court.
Agreement by the Receiving
Party, or its servants or
agents to perform any aspect of
its obligations forming part of the
subject matter
of this Agreement.
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:Corrigendum: RFP Page Existing RFP Clause Modified Clause No./ Clause No. Page No 10 The Bidder should have experience The Bidder/OEM should have Eligibility of implementation of E-FRM Solution experience of implementation of Criteria – and integration with CBS E-FRM Solution and integration Clause 5 Application (Finacle) and any two with CBS Application (Finacle) out of following five applications in and any two out of following five at least one Public/Private Sector applications in at least one Bank (excluding RRBs & Co- Public/Private Sector Bank operative Bank) in India in last two (excluding RRBs & Co-operative years having business mix of Bank) in India or Foreign Bank minimum Rs. 1 lakh crore (having branch presence in India 1. Internet Banking and EFRMS being installed in 2. Mobile Banking Indian Branches) in last two years 3. UPI / IMPS having business mix of minimum 4. ATM / POS Rs. 50 thousand crore 5. SWIFT 1. Internet Banking 2. Mobile Banking 3. UPI / IMPS 4. ATM / POS 5. SWIFT Page No 10 The proposed solution should be The proposed solution provider Eligibility listed in leaders quadrant on should be listed in any quadrant Criteria – ChartisRiskTech Quadrant® for on ChartisRiskTech Quadrant® for Clause 6 Enterprise Fraud. Enterprise Fraud. Page No 10 The proposed OEM Solution should The proposed OEM Solution Eligibility have been implemented / or be should have been implemented / Criteria – under implementation for a FRM or be under implementation for a Clause 8 FRM Solution in India or any Solution in India to integrate with foreign bank having branch CBS Application (Finacle) and any presence in India and EFRMS two out of following five being installed in Indian Branches applications in at least one Large to integrate with CBS Application Bank having a minimum of 1000 (Finacle) and any two out of branches. following five applications in at 1. Internet Banking least one Bank having more than 300 branches. 2. Mobile Banking 1. Internet Banking 3. UPI / IMPS 2. Mobile Banking 4. ATM / POS 3. UPI / IMPS 5. SWIFT 4. ATM / POS 5. SWIFT
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Page 11 The bidder should be having a The Bidder/OEM should be Eligibility team of at least 10 skilled staff having a team of at least 10 Criteria – experienced in implementing at skilled staff experienced in Clause 7 implementing at least one FRM least one FRM solution to be able solution to be able to deliver to deliver and support the and support the proposed proposed solution. solution. In case bidder is not All implementation team OEM, then bidder will have to members and Facility submit a concurrence letter Management engineers from OEM that they will provide deployed should be on the all support to bank as per scope and requirement of RFP on payroll of the bidder/OEM. behalf of bidder
•All implementation team members and Facility Management engineers deployed should be on the payroll of the bidder/OEM. Page 11 The service provider should have its The selected bidder/OEM should Eligibility presence in India (Kolkata / have its presence in India Criteria – Bangalore / Mumbai). (Kolkata / Bangalore / Mumbai) Clause 9 and Bidder/OEM should submit declaration in letter head that they will provide all kind of support during contract period.
Page 33 The solution provided by Bidder for The solution provided by Bidder Clause xxii. the EFRM Solution must support for the EFRM Solution must Disaster Recovery plans as follows: support Disaster Recovery plans Allow fail over as per the DR as follows: policy of the Bank Allow fail over as per the DR Provide architecture and design policy of the Bank for Disaster Recovery Provide architecture and Bidder must detail out any design for Disaster Recovery licensing information related to Bidder must detail out any Disaster Recovery design licensing information related Provide RTO of 2 hours. to Disaster Recovery design Provision for data from DC to be Provide RTO of 90 minutes. automatically propagated Provide RPO of 30 minutes. online through asynchronous Provision for data from DC to replication to disaster be automatically propagated recovery/failover sites. online through asynchronous Size the DR at 100% capacity of replication to disaster the DC recovery/failover sites. Size the DR at 100% capacity of the DC
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Page 102 Should contain crawling Clause Stands DELETED Point 40 of capabilities which should be able Group 2 Data to retrieve Web pages that go Management many layers deep originating from a specific URL.
PART – V The Prime selected bidder may bid The selected bidder may bid for 1. Consortium for the RFP document, as it is his the RFP document, as it is his Page 39 responsibility to implement and responsibility to implement and maintain the most appropriate maintain the most appropriate Data Centre comprising of solution comprising of adequate adequate hardware and software hardware and software products products to serve the Bank. For to serve the Bank. For execution execution of project, prime of project, selected bidder may selected bidder may constitute a constitute a consortium of consortium of different selected different vendors. However, in bidders such as cloud service this case the contract will be providers, OSD etc. However, in this executed with selected bidder case the contract will be executed only. Hence all the terms and with prime selected bidder only. conditions mentioned in this RFP Hence all the terms and conditions will be valid for selected bidder mentioned in this RFP will be valid only. The Bank will deal with only for prime selected bidder only. The the selected bidder as a single Bank will deal with only the Prime point of contact who shall have selected bidder as a single point of the sole responsibility for the contact who shall have the sole entire assignment. responsibility for the entire assignment PART – V The selected bidder shall ensure The selected bidder shall ensure 17. (vii) minimum uptime of 99.9% for the minimum uptime of 99.5% for the Uptime entire solution. The maximum entire solution. The maximum downtime for the hardware and downtime for the hardware and Page 47 software for encryption solution and software for implemented its allied applications should be less solution and its allied than 15 minutes per incident in a applications should be less than month with a maximum downtime 15 minutes per incident in a of 45 minutes in the whole month, month with a maximum failing which a penalty as per downtime of 45 minutes in the penalty clause will be applicable whole month, failing which a penalty as per penalty clause will be applicable
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Annexure – XXII
REVISED Format of Commercial for RFP for Implementation of EFRMS (Amount in Rs.) GST Unit Cost Sl Multiplicati Total Cost (% and Specific (Exclusive N Items on Factor* (C = A X Amount ation of GST) o (B) B) ) (A) (D) 1 Hardware* (with 3 years comprehensive warranty and 2 years AMC) 1. Server 1 1. Storage 2 Any other additional hardware along with all 1. drivers and licenses, if 3 any (Pl specify details in BOM) 1. AMC for 4th year 4 1. AMC for 5th year 5 1. Total (1.1+1.2+1.3+1.4+1.5)
6 2 Software (Licenses with 1 year comprehensive warranty and 4 years ATS) System Software 2. (including OS/ License 1 etc.) Pl specify in BOM 2. Data Base 2 2. Application
3 Software 2. ATS for 2nd year 4 2. ATS for 3rd year 5 2. ATS for 4th year 6 2. ATS for 5th year 7 2. Total (2.1+2.2+2.3+2.4+2.5+2.6+2.7)
8 3 Facility Management Resource Charges 3. Facility Management resource Charges for 1st year
1
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3. Facility Management resource Charges for 2nd year
2 3. Facility Management resource Charges for 3rd year
3 3. Facility Management resource Charges for 4th year
4 3. Facility Management resource Charges for 5th year
5 3. Total FM resource charges for 5 years (3.1+3.2+3.3+3.4+3.5)
6 4 Cost of 100 man-days for EFRMS customization (Post Go-live) Grand Total for supply of hardware, software and FM resources for the 5 period of contract i.e. 5 Years excluding GST (Total Cost of Ownership, i.e. TCO) (In figure) (1.6 + 2.8 + 3.6+4) Total Cost of Ownership (in Words) excluding GST * Hardware should be quoted for implementation at both DC and DR. Multiplication factor to be specified by bidders depending on the quantity. * For Software, Multiplication factor to be specified by bidders depending on the number of licenses. * Cost of 100 man-days for EFRMS customization (post Go-live is given only for arriving at TCO, However, the man days quoted will be consumed and paid as per the actual. The above quotation is subject to the following considerations:- i. The calculation for arriving at TCO is properly mentioned in the appropriate columns. In case of any anomalies in the calculation for arriving at TCO the Bank will have the right to correct the same and it will be binding upon our company. TCO will be calculated based on Column C. Column D is nowhere in consideration for TCO purpose. Hence, for arriving at L1 bidder, TCO will be taken excluding GST, i.e. Column C only. ii. If the cost for any line item is indicated as zero or blank then Bank may assume that the said item is provided to the bank without any cost. All cost is quoted in INR only. iii. In case of any discrepancy between figures & words, the amount in words shall prevail. iv. Bank has discretion to keep any of the line item mentioned above as optional as per Bank’s requirement. v. We have ensured that the price information filled in the Commercial Offer at appropriate column is without any typographical or arithmetic errors. All fields have been filled in correctly. vi. Lowest Bidder (L1) will be determined on the Sl. No. 4, i.e. Grand Total for supply of hardware, software and FM resources for the period of contract i.e. 5 years (Total Cost of Ownership, i.e. TCO). vii. We have not added or modified any clauses/ statements/ recordings/ declarations in the commercial offer, which is conditional and/or qualified or subjected to suggestions. viii. We have not added or modified any clauses/ statements/ recordings/ declarations in the commercial offer, which contain any deviation in terms & conditions or any
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specification. ix. We have understood that in case of non-adherence to any of the above, our offer will be summarily rejected. x. Please note that any Commercial Offer which is conditional and/ or qualified or subjected to suggestions will also be summarily rejected. This offer shall not contain any deviation in terms & condition or any specifications, if so such offer will be summarily rejected. We hereby agree to abide by all the terms and conditions mentioned in the Bank’s RFP dated 11.02.2020 and subsequent pre-bid and amendments.
Company Seal Authorized Signatory Date Name & Designation:
Note:: Masked commercial should also be presented in the same format where no amount is to be mentioned (to be Masked)
BID SUBMISSION DATE EXTENSION
Existing BID control Sheet Changes
Existing Clause Modified Clause Last Date and Time for receipts of tender Last Date and Time for receipts of tender bids bids 06.03.2020 at 04:00 PM 20.03.2020 at 04:00 PM
Opening of technical bids Opening of technical bids 06.03.2020 at 04:30 PM 20.03.2020 at 04:30 PM
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