PPF
Long-term, government-backed small savings with safe, tax-free returns and tax deductions.
Multiple government schemes. One system.
Most banks run government business as a patchwork of siloed, ageing applications. GovOne — Whitestone's Government Business Module (GBM) — replaces them with one microservices platform: every scheme on a shared core, posting straight through to Finacle, under your own governance.
BanksPublic-sector & commercial collecting banks
GovernmentAgencies, treasuries & welfare departments
BeneficiariesPensioners, savers & scheme subscribers
AuditorsRegulators & reconciliation teams
Every scheme, on one platform
Each scheme is an independent module on a shared core — deploy what you need, add more over time.
SCSS
Retirement scheme at 8.2% p.a., paid quarterly — 5-year tenure, ₹1,000 to ₹30 lakh.
APY
Guaranteed ₹1,000–₹5,000 monthly pension for workers in the unorganised sector.
NPS
PFRDA-regulated, market-linked retirement savings for citizens aged 18 to 70.
KVP
Fixed 7.5% p.a. certificate that doubles the investment in 115 months.
TIN 2.0
Shares bank collections with PFMS using CRN from CBDT's TIN 2.0 portal, with RBI Luggage File generation.
State Tax
State-level tax collection, pooling and remittance to the government.
GST
GST collection, remittance and reporting for authorised collecting banks.
RBI Bonds
Issuance and servicing of RBI relief and savings bonds in force.
NSS
National savings scheme accounts and servicing.
Pension
Pension processing and disbursement with scheme-specific validations.
Built the microservices way
Independent services behind one gateway — so a change to one scheme never risks another, and the platform scales service by service.
One service per module
Each scheme is isolated — deploy, scale and release independently.
Dedicated API gateway
A single, secured entry point routes and governs every request.
Shared common service
Validation, auth and reporting reused across every module.
Cache-aside with Redis
Hot data served from memory for low-latency, high-volume runs.
Bulk payments, in less time
Parallel batch on KafkaLarge disbursement and collection files processed concurrently, not row by row.
ISO 8583 + FIXML to the coreStandards-based messaging posts straight through to Finacle — no manual re-keying.
Scales with volumeAdd workers to clear peak-day pension and subsidy runs within the window.
Reconciled & auditable
Every transaction validated, reconciled and reported — e-scrolls and statutory files generated for RBI and government agencies.
A modern, proven stack
Spring Boot · Java 17 microservices
Sails JS Node web layer
Oracle 19c system of record
Kafka 4.x parallel batch
Redis low-latency cache
ISO 8583 + FIXML Finacle channel
SSO single sign-on
What it delivers
Unified platform
Every government scheme on one system instead of scattered legacy apps.
Faster transaction cycles
Parallel batch processing clears high-volume runs in less time.
Straight-through CBS posting
Standards-based messaging posts directly to Finacle, cutting manual effort.
Scales with demand
Service-by-service scaling absorbs peak pension and subsidy loads.
Lower operational load
Automation and reconciliation reduce manual work and errors.
Easy to extend
Add a new scheme as a module without disturbing the rest.