december 2011 aadhaar payment bridge (apb) system launched on a pilot basis december 2012 national...
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National Automated Clearing House
www.npci.org.in
NPCI Promoters
NPCI Products
NACH Journey
December 2011Aadhaar Payment Bridge (APB) System Launched on a Pilot Basis
December 2012National Automated Clearing House (NACH) System Launched
April 2013Aadhaar Payment Bridge (APB) System Migrated to NACH Platform
Saves Time, Effort, Cost and Manual Intervention
Apt payment solution for Corporates,
Utility Companies and Govt.
Departments
Facilitates Subsidy
Payments using APBS
Facilitates Payments & Collections using NACH
Credit & Debit
NACH - One Stop Solution for Payments and Collections
NACH Payment Service
NACH Products
APBS
NACH Credit (156)
NACH Debit (156)
NACH Debit (306)
NACH Credit (306)
• Aadhaar acts as the financial address of the person
• Payment system based on Aadhaar number and IIN
• Used for payment of subsidies/government benefits to beneficiaries
Aadhaar Payment Bridge (APB) System
APB – Use Cases
LPG Subsidy (DBTL)
NREGA Payments
Old Age Pension
Student Scholarships
30+ Welfare Schemes of Central & State Govt.
Salary Payments
DBT and DBTL
Scheme re-launched on 15 November, 2014 and expanded pan India from 01 January 2015.
Subsidy transferred through APB and ACH Credit.
Account Validation process (OMC to bank & Bank to OMC) introduced.
More than 15 crore Aadhaar in NPCI mapper.
New mapper file format with OD flag introduced.
Sponsor Bank Destination Bank
Govt. Department Settlement Bank (RBI)
Beneficiary
Transaction Origination Transaction Response
Intimation sent to
Beneficiary
Transaction Initiation
Funds Credited
Settlement File
Presentation Settlement File
Return Settlement File
NPCI Mapper
APB Transaction Process Flow
NACH Member Banks
Co-operative Banks
Local Area Bank
Regional Rural Banks
Foreign Banks
Private Sector Banks
Public Sector Banks
0 50 100 150 200 250 300 350 400
392
1
56
24
20
27
500+ Banks
NACH Transaction Statistics
April, 2
014
May
, 201
4
June,
201
4
July
, 201
4
August, 2
014
Septe
mber
, 201
4
Oct
ober
, 201
4
Nov
ember
, 201
4
Decem
ber, 2
014
Januar
y, 2
015
Febru
ary,
201
5
0
100
200
300
400
500
600
700
800
900
1000
47.48 52.4 63.79 91.1 101.15150.39
80.06 78.17143.53
696.87
902.74
Transaction Volume in Lakhs
500+ Participating Banks
More than 15 crore Aadhaar numbers in NPCI mapper
More than 24 crore transactions processed in FY 2014-15
NACH System – Major Highlights
Thank You !!!
