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1
Beneficiary
Banks
Government
Aadhaar
Number
2
Used by Government Departments for Direct Benefit
Transfer (DBT) to Citizens
Sub-serves the goal of Financial Inclusion and helps
in electronification of retail payments
3
2011
Aadhaar Payment
Bridge (APB) System
Launched
2012
National Automated
Clearing House (NACH)
System Launched
2013
Electronic Benefit
Transfer
(EBT)System
Launched
2013
Aadhaar Payment
Bridge (APB) System
Migrated to NACH
Platform
4
LPG Subsidy (DBTL)
MNREGA Payments
Old Age Pension
Student Scholarships
30+ Welfare Schemes of Central & State Governments
5
Stage 1
Beneficiary to seed his/her Aadhaar number in
scheme database maintained by Government
Department / OMCs
Stage 2
Beneficiary to seed his/her Aadhaar number in
bank account in which benefit/subsidy is to be
transferred
Stage 3
Banks to seed Aadhaar Numbers in NPCI Mapper
6
Bank Seeds the
Aadhaar Number
in CBS
Customer Gives
Aadhaar Seeding
Request in
Branch
NPCI Mapper
Bank Seeds the
Aadhaar Number in
CBS
Bank uploads the
Aadhaar Numbers
seeded in CBS into
NPCI Mapper
Banks IT Centre /
Data Centre
Bank Branch
Aadhaar Number
Stored in Mapper
along with
Seeding Banks
IIN
Banks IT Team
Fetches the
Aadhaar Number
Seeded in CBS
and Prepares the
Mapper File
7
Sponsor Bank
Destination Bank
Government
Department / OMC
Settlement Agent Beneficiary
Transaction Origination Transaction Response
Intimation
sent to
Beneficiary
Transaction
Initiation
Funds made
available
Settlement
File
Presentation
Settlement
File
Return
Settlement
File
NPCI Mapper
8
Bank should be on Core Banking System (CBS)

Bank should have provision for seeding Aadhaar number in CBS

Bank should be technically integrated with NPCI (NPCINet or Internet)

Bank should have Institution Identification Number (IIN) issued by NPCI

Bank should have Settlement account / RTGS membership with DAD (Deposits Account Department), RBI
(if not, bank can participate as a sub-member through his sponsor bank who should have a settlement
account with DAD, RBI)

Bank should have Class II (for manual processing) / Class III (H2H processing) Digital Certificate and
Signer Tool
Letter of Authority (For Direct Member Bank) / Letter from Sponsor Bank
(For Sub-member bank)
Direct / Indirect Bank Participation Application Form
User Registration Application Form
NARF (NACH Access Registration Form)
IIN Request Form / Covering Letter for IIN Application
Escalation Matrix
Bank Master