Ram Informatics Limited supplies Banking Asset and Liability Management Software. Ram Informatics Limited is an ISO 9001 and ISO 27001: 2005 accredited company. The Banking Asset and Liability Management Software available in the brand name SmartALM captures data from branches and generates various reports on overflows, rate sensitivity and liquidity positions of the branches and head office. The Software provides information regarding mismatches in various time buckets and analyse inflow and outflow patterns.