Demo · synthetic data
Dinero Technologies · Proposal for Thane Municipal Corporation

Every rupee of property tax, visible to the citizen who paid it and accountable to the officer who touched it.

कर सेतू — नागरिक आणि महापालिका यांच्यातील पारदर्शक पूल

KarSetu sits beside the Corporation's existing property tax system. Citizens see their full ledger and are alerted the minute it changes. The Corporation gets a tamper-evident record of every officer action and automatic flags for the patterns that cost it revenue.

5.5 lakh
assessed properties in Thane, indicative
₹800 Cr
annual property tax demand, indicative
₹25–40 Cr
a year from a 3 to 5 percent collection gain
₹0
from the Corporation's budget, at any stage
8 weeks
from data access to citizens seeing their ledger

The moment that explains the whole system

One property, one afternoon, synthetic data. Click a step.

12 Aug 2025 · 10:41
Assessor reduces ratable value by 24%
Written to the ledger and the audit chain with actor, device and IP
10:42
Owner is alerted on WhatsApp and SMS
"Your Flat 302 assessment was changed. If you did not request this, report it."
15 Aug · 09:10
Owner files objection G-26-0912
"I made no such request." SLA clock starts
16 Aug · 02:00
Nightly rule raises flag F-1027
No inspection in 180 days, 7th reduction on the street by the same officer

Twelve months to full city, pilot live in month four

Wk 1Wk 13Wk 26Wk 39Wk 52
9:41●●● ▲ ▮
DIGI THANE · KARSETUमाझा मालमत्ता कर

What the citizen sees

Linked by the mobile already on TMC's record. Every ledger line names the officer who made the change, and the owner is alerted the moment an assessment is edited. Marathi is the default, not a translation.

Login
OTP
Mobile on TMC record. DigiLocker in Phase 3. No Aadhaar dependency.
Ledger depth
3 yrs+
Assessment, bills, payments, penalties, rebates, adjustments.
Receipt check
QR
Anyone can scan a receipt and get a live yes or no.
Channels
4
Digi Thane module, web, WhatsApp, IVR fallback.

Officer console

What an Assistant Commissioner (Ward) opens every morning: management by exception. Demand versus collection, where arrears sit, what needs a second signature, and which grievances are about to breach their timeline.

console.karsetu.thanecity.gov.in/ward/dashboardSSO + MFA · session audited

Dashboard

FY 2026-27

Monthly collection vs target run-rate

₹ crore. Bars: collected. Lighter bars: projected. Line: cumulative target for 100% by 31 March.

Collection by zone, this year

Percent of demand collected. Darker is better. Zones under 35 percent get a field drive.

35%60%tap a zone

Arrears aging

Digital vs cash

Cash exists only as app-issued field receipts with GPS. No manual receipt books.

Top defaulters · over 3 years

PropertyOutstandingStatus
NK/06/020118
Commercial complex		₹1.42 CrWarrant
NK/03/010877
Industrial shed		₹88.6 LNotice
NK/01/000922
Housing society		₹61.3 LAbhay Yojana

Pending maker-checker approvals

ActionPropertyMakerAge
Assessment reduction 34%NK/04/017732Assessor S. Gaikwad2 d
Penalty waiver ₹42,300NK/02/003318Clerk R. Pawar1 d
Category change C→RNK/07/021105Assessor S. Gaikwad5 h

Every high-impact action needs a second approver. Approval, rejection and reason are written to the audit chain.

Grievance queue

TicketTypeAssignedSLA
G-26-0912Objection to assessment
NK/04/017732		M. Deshmukh3 d overdue
G-26-0931Name transfer (mutation)
NK/01/000451		R. Pawar1 d left
G-26-0940Duplicate bill
NK/05/019004		D. Kadam9 d left
G-26-0944Receipt not reflected
NK/03/011276		K. More12 d left

Vigilance

A control room for the Vigilance cell and the Commissioner's office. Rules run nightly over the audit chain and the ledger. Every flag carries its evidence and the exact events behind it. A flag is a prompt for review, never a verdict.

vigilance.karsetu.thanecity.gov.in/flagsRestricted · Vigilance cell
Chain verified 02:00 · head a91c…4e07 matches TMC anchorNightly run · 10 rules · 61,204 events scanned

Rule hits, last 14 days

Assessors · reduction rate vs peer median

Saffron line: peer median 6.1%. Visible to department heads and Vigilance only.

SevFlagRuleOfficerWard

Architecture

KarSetu sits beside the Corporation's existing property tax system, never inside it. Data flows one way into a read model during the pilot; write-back comes later through approved APIs with maker-checker in front of it. Pick a scenario to trace the path.

CLIENTS Citizen appDigi Thane module · web · RN WhatsApp · IVRBusiness API · Marathi Officer consoleNext.js · SSO + MFA Field agent appoffline · GPS · app receipts Vigilance consolecases · scorecards API gateway · WAF · rate limiting · RBAC/ABAC policy · consent check (DPDP) SERVICES (NestJS, TypeScript; Python for scoring) Identity Ledger Notifications Payments Grievance Audit Anomaly DATA PostgreSQLread model · RLS per tenant/rolePII columns encrypted Audit chain (append-only)hash-linked events, WORM storagedaily anchor published to TMC Object storesigned PDFs, evidence Redisqueues · cache · OTP Feature storeofficer peer stats, RR rates INTEGRATION LAYER ERP adapter · CDC / nightly extract → read modelread-only in pilot; write-back via APIs + maker-checker later Connectors: API Setu / DigiLocker · BBPS · payment gateway · DLT SMS · WhatsApp · eSigneach behind its own adapter, swappable EXTERNAL SYSTEMS (owned by others) TMC property tax ERPincumbent vendor system IGR · Land Records · RRRevenue Dept (Phase 4) DigiLocker · MeriPehchaanAPI Setu Banks · BBPS · PGUPI mandate Telecom · MetaDLT SMS · WhatsApp
Screens people useKarSetu servicesKarSetu dataOwned by othersPath in the chosen scenario

Solid boxes are KarSetu. Dashed boxes are systems owned by others, reached only through adapters.

Audit chain, in one paragraph

Every read or write on a property record becomes an event: actor, role, device, IP, before and after values, timestamp. Each event stores the SHA-256 hash of the previous event, so removing or editing any past event breaks every hash after it. Events land in append-only storage the application cannot delete from. Once a day the latest hash is published to the Corporation, so even Dinero cannot rewrite history without detection.

Hosting and trust boundary

MeitY-empanelled cloud in an Indian region, or the State Data Centre on-prem if the Corporation prefers. Data never leaves India. TMC owns the data and the tenant; Dinero operates the software. Exit clause: full export in open formats plus the audit chain, within 30 days. Field-level encryption for mobile numbers and names, TLS everywhere, secrets in a managed vault, CERT-In empanelled audit before city-wide go-live.

DINERO TECHNOLOGIESPvt Ltd · Gokhale Road, Naupada, Thane 400602 · dinerotechnologies.inSynthetic demonstration data. No real citizen, property or officer records are used.Dinero Technologies Pvt Ltd, Thane · Keys: S story, M language, 0–4 views, P notes, T theme