Retiral Trust Fund System
Introduction to RTFS System
RTFS is a comprehensive PF Trust Management System designed to simplify and automate trust operations. It enables organizations to configure advance and withdrawal rules as per trust policies. The system automatically calculates loan eligibility and sanction amounts based on approval configurations. RTFS provides complete tracking of member applications from submission to approval. Instant automated payments are processed after online approvals. The platform offers centralized and real-time accounting for accurate financial control. It supports auto journal voucher posting with multiple approval levels.
RTFS includes powerful and customizable accounting reports. Investment and member-related reports are available for better analysis. Bulk transaction processing helps reduce operational time and effort.
20+ Years Experience
EPFO & IT Compliant
Trusted by Large Enterprises
Secure & Audit Ready
Our Core Solutions
End-to-end Trust Fund administration built for accuracy, compliance and scale.
Provident Fund Trust
Complete management of Exempted & Unexempted PF including contributions, loans, settlements and EPFO compliance.
Investment & Accounting
Automated accounting, investment tracking, balance sheet, MIS, audits and statutory filings.
Superannuation & Gratuity
Efficient administration of retirement benefits with accurate reporting and compliance.
Employee Self Service (ESS)
Transparency and convenience for employees, reduced workload for HR.
View Balances
View balances & transactions
Loans
Apply & track loans
Statutory Forms
Download statutory forms
Nominee Management
Nominee & settlement management
Flexible Engagement Models
Software + Tech Support
RTFS platform, configuration, training and technical assistance.
End-to-End Trust Management
Complete PF trust administration, EPFO interface, accounting, audits and compliance.
Implementation Process
Understanding
Data Migration
Verification
Go Live
Business Models
Option I
Software Usage with Technology Support- Access to RTFS software
- Rules and configuration setup
- Working with all modules
Option II
Software Usage with End-to-End Delivery- Complete Trust administration
- Interface with RPFC
- Interface with IT Department
- Accounting and MIS
- Integration with HR portal
- Law updates & compliance implementation
Data Transition Process
- Map existing processes
- Understand technology linkages
- Analyse functional challenges
- Joint report review
- Data collated in standard formats
- Uploading on RTFS system
- System checks on imported data
- Verify data accuracy
- Submit issue report & resolve jointly
- Client-side data verification via reports
- Ensure all data uploaded correctly
- Audit review of uploaded data
- Audit report preparation
- Training for operations team
- Policy & process change communication
- Project reporting & MIS to CORE team
- GO LIVE
Salient Features
- Track opening balances, member contributions (monthly/annually)
- Refundable & non-refundable PF loans and withdrawals
- Transfer-in, transfer-out, voluntary PF, manual PF
- Online settlements with multi-settlement flexibility
- Support for arrears, wage revisions & multiple nominee payouts
- Form-13 based transfer-in tracking for complete transparency
- Part-encashment facility for milestone-based housing loans
- A comprehensive solution for efficient administration of superannuation funds and gratuity with complete compliance, accurate calculations, and streamlined processing.
- Integrated chart of accounts linked with member accounting
- Creation of income and expenditure accounts
- Automated journal postings
- Trial balance and balance sheet generation
- Accurate accounting with audit-ready reporting
- Online access to member accounts
- View balances, transactions & loan status
- Simulate future balances based on salary & interest rates
- Improved transparency and reduced HR workload