CIPS is an integrated payment solution developed by CRIS to directly pay contractors and employees through SBI, the nodal bank, from IPAS. It has a single payment gateway, eliminates fraudulent transactions, and does not require uploading data to third party websites. Payments are secured with digital signatures, easy to reconcile, and allow for multiple signatories. CIPS was implemented throughout Indian railways starting in September 2019 after an initial trial by COFMOW in April 2019.

2. CIPS is the integrated
payment solution developed
by CRIS to make payment of
contractor/employess from
IPAS directly through SBI
(Nodal Bank).

3. Single payment
gateway (SBI)
To eliminate fraudulent
transaction
No need upload data
into third party website

4. Secured with digital
signature
Easy reconciliation
Multiple signatory

5. COFMOW was nominated
by Railway board and it was
implemented on 29th April
2019 as trial measure.
From 16th Sep 2019 , it was
implemented through out
the Indian railways.

6. CRIS Signer utility
Java Latest version
Google chrome
Digital Signature
Certificate (DSC)

7. Abstract preparation
CIPS confirmation (By
Cheques section)
Signatory level 1 &
Signatory Level 2
Digitally signing of the
mandate using DSC
Data send to SBI server
from IPAS directly
File tracking available
for easy tracing
UTR no is automatically
matched and updated
in database

8. Return data can be accessed by
generating Exception reports
CIPS Unpaid Register is
available for easy tracking
JV can be prepared for Unpaid
transaction instantly

9. (+) Crdited to Deposit
CIPS(00844539)
(-) Crdited to Cheques & bills
(00867002)
Self cheque is generated for
all Unpaid transaction

10. OLD SYSTEM - NEFT/RTGS
Data is old system downloaded
from IPAS server and then
uploaded in the Bank Server.
NEW SYSTEM - CIPS
Cheque data directly sent to
bank server from IPAS
(digitally secured using DSC)

11. OLD SYSTEM - NEFT/RTGS
Data can be manipulated
before uploading to bank
server.
NEW SYSTEM - CIPS
Data can only be seen
modification cannot be
done

12. OLD SYSTEM - NEFT/RTGS
Possibility of uploading
data to bank Multiple
times
NEW SYSTEM - CIPS
In CIPS multiple time
uploading of same data
eliminated

13. OLD SYSTEM - NEFT/RTGS
Reverse file has to be
downloaded and to be
checked daily
NEW SYSTEM - CIPS
Reverse scroll is uploaded
to IPAS server and
automatically matched

14. OLD SYSTEM - NEFT/RTGS
Separate register has to
be maintained for
return case
NEW SYSTEM - CIPS
Unpaid register is
available in IPAS with all
relevant details

15. OLD SYSTEM - NEFT/RTGS
File tracking not available
NEW SYSTEM - CIPS
File tracking
available