Aadhaar Payment Bridge System (APBS

)

29th, November, 2012

1

Objective of APBS Workshop  To offer complete information of APBS mechanism to Sponsor Banks  Discuss and educate APBS related file format details to Sponsor Banks  Discuss the on-boarding details  Hands on training of APBS file processing 2 .

EBT Credit disbursements based on UID number.To support various Schemes like NREGA. Social Security Pension. to send financial details to the beneficiary using Aadhaar number. . .Aadhaar Payment Bridge – Aadhaar Payment Bridge Solution (APBS) will be used to .To sub-serve the goal of Government of India (GOI) and Reserve Bank of India (RBI) in furthering Financial Inclusion by way of processing government disbursement using Aadhaar number. Handicapped Old Age Pension etc. 3 . of any Central or State Government bodies.

Process Flow 4 .

 APBS will receive the disbursal payment instruction from the Government Departments through Sponsor Bank – (Banks has ability to convert in the required format)  The bank identifier would be used to route transaction to the destination bank – the destination bank will maintain the linkage to Aadhaar number and bank account for seamless credit to customer account  Enriched MIS to participants  Secure Clearing and Settlement 5 . IIN no. With the incorporation of Mapper. and Amount. Aadhaar No. need not be included in transaction file. transaction reference no.Aadhaar Payment Bridge – Features  Pre supposes that all Government beneficiaries would have Aadhaar linked account number  Government Department can send file containing IIN..

APB ARCHITECTURE APB Architecture 6 .

001/2011Government Sponsored schemes (06th March 2012 2012).CO. 2 Aadhaar Payment Bridge System (APBS) Extension of the APBS scheme for DPSS.CO.PD.17.001/2010-2011 at Jharkhand (19th October 2011).APBS Circular No.Nature of Approvals Sr.PD.1643/02. 7 . 1 Aadhaar Payment Bridge System (APBS) – Approval to launch the scheme on Pilot basis DPSS.706/02.17.No. Circular Particulars .

Submission of Letter of Authority addressed to RBI-DAD authorising NPCI to affect settlements through the bank’s account with RBI-DAD. Banks to adhere to the registration processes prescribed by NPCI for facilitating EBT processing service to its Government Department/Agency. Sponsor banks for submember banks should keep NPCI informed on sub-member registration.Onboarding Checklist for Participant Banks Registration with NPCI for participation . Escalation Matrix – The matrix needs to be provided as per format laid out by NPCI.Submission of User registration form duly filled up from Government Department / Agency to NPCI through their respective Sponsor Banks. 8 . cancellation and cessation by submitting necessary document mandated by NPCI Government Department/Agency registration . Acquire IIN – Procure IIN routing number from NPCI for affecting Aadhaar based transfers.It is one time registration. File Formats – Need to be conversant and adhere to file format prescribed by NPCI for file based transactions processing purpose. LOA for settlement through RBI-DAD .

 Connectivity to NACH URL specific to NACH application 9 .  Generating transaction files in accordance to the NACH formats. drivers for accessing e-token based digital certificates and having Java 6 runtime environment. OS Windows XP/7.Class II User level certificates for each user. UMRN and other details.Onboarding Checklist for Participant Banks Technical onboarding Checklist  Selection of PC / Hardware procurement having USB access. IE 8 and above with Firefox capabilities.  Store.  Dongle and Digital certificates acquired . minimum 2GRAM. one dual core processor. validate and capture mandate attributes such as image.

File formats for APBS and APBS Mapper  Existing APBS input file  Existing APBS Inward Data File Format for Destination Banks  Existing APBS Return File Format  Existing APBS Final Output File Format  APBS Mapper File 10 .

Off Us (Inter-Bank) transactions initiated through APBS. RBI accords in-principle approval for operating the Aadhaar Payment Bridge System (APBS) on a Pilot Basis at Jharkhand. Mapping of Aadhaar numbers to IIN initiated on APBS mapper. APBS went Live with NREGA subsidy transfer. Live RTGS settlement testing carried out on RBI DAD’s Primary and Disaster Recovery sites.Milestones Achieved in APBS Date 9th July 2012 30th April 2012 06th March 2012 29th February 2012 12th and 21st January 2012 24th December 2011 24th October 2011 Milestone Achieved Initiated LPG subsidy transfers through APBS. 11 19th October 2011 . Generic approval received from RBI for extension of APBS to all Government subsidies. RBI DAD allows NPCI to participate on RTGS platform.

Aadhaar Payment Bridge (APB) – Clearing times 12 .

Fee Structure/Membership Structure 13 .

APBS Rollout plan – to cover 51 districts in Pilot  To receive & test APBS files as per the formats prescribed by NPCI – 1st week of December. 2013 14 . 2012  Pilot with all Sponsor PSB Banks for 51 districts on 1st January. 2012  Co-ordinated round of testing for multiple banks – 2nd and 3rd week of December . 2012  Complete the on-boarding checklist and relevant documents requirements – 2nd week of December . 2012  Training to operations team at Banks end – 2nd week of December .

00 United Bank of India 17.030.660.00 UCO Bank 1 3.13.30.29.00 Indian Bank 2 49.507.237.00 State Bank of Bikaner and Jaipur 1 2.00 GRAND TOTAL 51 5.330.58.55.33.71.701.80.284.00 State Bank of Patiala 1 3.00 Central Bank of India 2 17.50.56.558. 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 Total No.00 Bank of India 6 36.00 State Bank of Travancore 1 4.337.37.00 Bank of Baroda 3 4.70.95.152.114.867.069.789.100.57.790.36.706.00 State Bank of Mysore 2 53.163.01.89.85.00 State bank of Hyderabad 2 84.00 Total 20 3.22. No.00 Vijaya Bank 1 6.777.00 Andhra Bank 1 50.Focus on 51 Districts – for APBS Sr.00 State Bank of Saurashtra (Merged to SBI) 2 1.00 Status Already onboarded Already onboarded Already onboarded Already onboarded Already onboarded Already onboarded Yet to be Onboarded Yet to be Onboarded Yet to be Onboarded Yet to be Onboarded Yet to be Onboarded Yet to be Onboarded Yet to be Onboarded Yet to be Onboarded Yet to be Onboarded Yet to be Onboarded Yet to be Onboarded Yet to be Onboarded Yet to be Onboarded Yet to be Onboarded 15 .00 Punjab National Bank 9 46.055.00 Dena Bank 1 1.25.65.00 Total 27 2.909.07. of Aadhaar Lead Bank Districts Enrolment State Bank of India 9 98.99.00 Canara Bank 1 2.00 Bank of Maharashtra 1 28.00 Syndicate Bank 1 43.85.800.407.57.54.

org.in 16 .in ramesh.in teegela. Manager – ACH and APBS Asst.org.in Chief Manager – ACH Sr.org.in debadarshi.org.npci.org. Manager – ACH and APBS www.org.org.in Role / Designation Chief Operating Officer Head Cheque Clearing.in vipin. No. ACH & GP 3 4 5 6 7 Makarand Jadhav Ramesh Vijaya Kumar Debadarshi Roy Teegela Reddy Website makarand.balakrishnan@npci.roy@npci. Manager – ACH and APBS Asst.For further information Sr. 1 2 Name M Balakrishnan Vipin Surelia E-mail m.vijayakumar@npci.reddy@npci.jadhav@npci.surelia@npci.

in 17 .org.THANK YOU ach@npci.