1. CICI Banking System
This case study is to simulate a banking system for a Bank. Our case study targets the
application for the internal use of Bank. The Bank has mainly two levels of users –
a. Managers
b. Officers
The bank module is the main interface through which the users will login into the system
and perform all the functionality.
The different kinds of accounts the bank offers are:
1. Savings Account
2. Current Account
3. Deposit Account
a. Fixed Deposit
b. Recurring Deposit
4. Loan Account
The major requirements of bank include:
1. Open different kind of Accounts. While opening the account, it checks for all
the validations
a. While opening Saving account, minimum amount of Rs. 5000/- should be
deposited
b. While opening Current account, minimum amount of Rs. 25000/- should
be deposited
c. Fixed and Recurring Deposits can be opened from either Saving account
or Current Account
i. Fixed Deposit should have “Auto Closure” or “Auto Renewal”
feature
ii. Recurring Deposit should have the feature of Auto Credit
of declared amount every month for the specified period of time
and also the “Auto Closure” or “Auto Renewal” feature
d. Loan Account can be opened only for up to 80% of the gross salary after
validating the required criteria, i.e. the salary should be minimum Rs.5 lac
per annum.
2. Account Closure
a. While closing accounts, the remaining balance in the accounts should be
refunded.
b. If it is an FD or RD, then depending on the type of closure choosen, the
functionality should happen i.e.
i. If AutoClosure mode, the amount (along with interest) should get
credited back to the respective saving or current account.
ii. If AutoRenewal mode, the account should be reopened
with the same amount (along with interest).

2. c. If it is a Loan account, a “Loan Completion” certificate should be issued.
3. Withdraw amount
a. If the user tries to withdraw amount more than the present balance in
saving account, it should throw a UserDefinedException
(NotEnoughAmountException)
b. For Current Account, there should be an overdraft limit. If user tries to
withdraw more than that amount, again an exception has to be thrown.
4. Deposit amount
a. PAN number is required if the amount deposited is more than Rs. 50000
5. Interest Calculation Process
a. Periodically update balance in savings account by adding interest in
balance amount
6. Generate Mini Statement
a. User should be able to generate mini statement giving details of the last 10
transactions of the particular savings or current account
7. Print Pass book
a. User should be able to print pass book between the given date range.
8. Check balance
a. User should be able to check the account balance by giving the Account
number or Name or PAN
9. Generate EMI per month for Loan Account.
Some more features which should be included are:
1. Account number should be automatically generated
2. Bank should be singleton pattern (Only one object should get created)
3. AutoClosure, AutoRenewal or deducting amount per month for RD can be
implemented using threads which will run as background scheduled task.
Depending on the user login, the different options available to different users should be:
1. Manager should have access to OpenAccount, CloseAccount and update methods
of Bank
2. Clerk should have access to withdraw and deposit methods of Bank
3. Both should be able to see the details of all the records.