National Payments Corporation of India

About NPCI
About Us
NPCI is a not for profit
entity
Umbrella organization for all
retail payment systems
Promoted by 10 commercial
banks under the aegis of the
IBA and guidance of RBI

Our People
Varied skill set from
industry and technocrats
350+ Resources to
design/support/build
central transaction
processing systems

Technology
Existing System capacity to
process over 20 M
transactions/day

National

ATM
RuPay-Domestic
Cards Scheme
Domestic
POS
Switching
IMPS

Network

Cheque
Truncation
AEPS

ACH & Aadhaar

Payment Bridge
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Economy Transformation through Inclusive

Growth
Innovation-driven Inclusive Growth
Achievement of Inclusive growth depends upon extending timely,
adequate and cost effective access to financial services through
the use of technology

Target SegmentsWho?
Underprivileged section, lower income group etc.

Unbanked and financially excluded masses

Limited Inclusive Growth Why?

Absence of technology, reach, coverage and delivery
mechanism
Non-Standardization approach ,high transaction cost and
restrictive BC model
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Exclusion to Inclusion - a sustainable eco-system

Is the ecosystem changing?

Regulator Intervention

Leveraging UIDAI platform

1. Introduction of basic
savings account

1.Govt. mandates towards

integrating direct benefit
transfers provides a fillip to
bank account opening and
regular credits happening
reducing a/c dormancy in FI.

2. Migration of FI accounts
to banks CBS
3. Real time transactions

4. Ushering in BC
Interoperability
5. Periodical monitoring of
progress in achieving entitywise financial inclusion plan

2.Efforts to establish a Micro

ATM eco-system in an interoperable environment.
3. Bringing innovation and
technology towards Nations
common goal

Making banking Safe,

Secure and Convenient
Micro ATM Standard- bringing
uniformity, standardization
and increasing Micro ATM
functional capability-

a. Multiple Payment
applications
b. Card initiated
transactions-by encouraging
cash-less transactions
c. Biometric and PIN based
transactions functionalities

Digital Inclusion-Distributed Approach

Higher Tiers (Governance, Banking &
FIs) Commercial Bank Branches, RRB
Branches, Branches of Financial
Institutions.

Lower Tiers (FI Hubs) PACS, SHGs,

Post Officers, Panchayats,
Branches of Financial Institutions

APB- Architecture

AEPS- Architecture
UIDAI
Issuer Banks CBS

Biometric and Encryption

Standards are Prescribed by UIDAI
3

NPCI
Central Switch
(AEPS)

Acquirer Banks FI
Switch

Issuer Banks
FI Switch
8

10
Customer Inputs:
1.AADHAAR Number
2.Amount
3.Finger Print Data

Authentication is done by UIDAI

and Switching, Clearing and
Settlement is performed by NPCI

Taking banking to NEXT level

ODAP payments in Wardha and
Aurangabad- 4,00,000 Aadhaar
linkage and 7 Schemes
Integrated. KCC Integrated with
Aadhaar for subsidy payment in
Merchant outlet.
Highest Payment 9 crore.
a day credited under Dilli
Annashree Scheme &
close to 2500
transactions performed
in inter-operable
environment

Over 50 Crore Credit

through APBS and
1,50.000 Aadhaar based
transaction.

NPCI thanking all

Partners

Tripura Govt.
Pension Payment
through a Gramin
Bank in AEPS
platform.

Maximum transactions
in East Godavari under
ODAP and 60%
contribution to total
transaction numbers

For further information

please visit npci.org.in
or Contact :
aeps@npci.org.in
apbs@npci.org.in
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Experience Matters.
Mr S Aftab, GM,FID, Union Bank of India- Attended launch of DAY, which kindled the hope in
the masses. The march ahead would not have been smooth especially for the stake holders i.e.
bankers, NPCI and UIDAI. The NPCI team's perseverance and determination has paved way for
effortless run of the pilot. We being the main banker feel the scope of business in DAY, which is a
mini DBT, nurtured efficiently and delicately by youthful team of NPCI.
.Hema Chaudhary - an account holder of UBI: Convenient mode of withdrawing money which
requires only my RuPay Aadhaar debit card and finger print for authentication. Now I can go to
any outlet to do basic banking transactions.
..Lal Munni - an account holder of Bank of Maharashtra: Hassle free mode of banking. I dont
need to fill up bank forms to deposit or withdraw money and not even need to stand in queue.

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