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Aadhaar Payment Bridge System (APBS)

29th, November, 2012

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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

PROCESS FLOW-

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Aadhaar Payment Bridge –

Aadhaar Payment Bridge Solution (APBS) will be used to

- EBT Credit disbursements based on UID number.

- 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.

- To support various Schemes like NREGA, Social Security Pension,

Handicapped Old Age Pension etc. of any Central or State

Government bodies, to send financial details to the beneficiary

using Aadhaar number.

PROCESS FLOW-

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Process Flow

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Aadhaar Payment Bridge – Features

Pre supposes that all Government beneficiaries would have Aadhaar

linked account number

Government Department can send file containing IIN, Aadhaar No.,

transaction reference no. and Amount. With the incorporation of

Mapper, IIN no. need not be included in transaction file.

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

APB Architecture

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APB ARCHITECTURE

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Nature of Approvals

Sr.No. Circular Particulars - APBS Circular No.

1 Aadhaar Payment Bridge System (APBS) – Approval to launch the scheme on Pilot basis at Jharkhand (19th October 2011).

DPSS.CO.PD.706/02.17.001/2010-2011

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Aadhaar Payment Bridge System (APBS) - Extension of the APBS scheme for Government Sponsored schemes (06th March 2012).

DPSS.CO.PD.1643/02.17.001/2011-2012

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Onboarding Checklist for Participant Banks

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

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Onboarding Checklist for Participant Banks

Technical onboarding Checklist

Selection of PC / Hardware procurement having USB access, one dual core

processor, minimum 2GRAM, OS Windows XP/7, IE 8 and above with Firefox

capabilities, drivers for accessing e-token based digital certificates and having Java

6 runtime environment.

Dongle and Digital certificates acquired - Class II User level certificates for each

user.

Generating transaction files in accordance to the NACH formats.

Store, validate and capture mandate attributes such as image, UMRN and other

details.

Connectivity to NACH URL specific to NACH application

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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

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Milestones Achieved in APBS

Date Milestone Achieved

9th July 2012 Initiated LPG subsidy transfers through APBS.

30th April 2012 Mapping of Aadhaar numbers to IIN initiated on APBS mapper.

06th March 2012 Generic approval received from RBI for extension of APBS to all

Government subsidies.

29th February 2012 Off Us (Inter-Bank) transactions initiated through APBS.

12th and 21st January

2012

Live RTGS settlement testing carried out on RBI DAD’s Primary

and Disaster Recovery sites.

24th December 2011 APBS went Live with NREGA subsidy transfer.

24th October 2011 RBI DAD allows NPCI to participate on RTGS platform.

19th October 2011 RBI accords in-principle approval for operating the Aadhaar

Payment Bridge System (APBS) on a Pilot Basis at Jharkhand.

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Aadhaar Payment Bridge (APB) – Clearing times

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Fee Structure/Membership Structure

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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, 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 ,

2012

Co-ordinated round of testing for multiple banks – 2nd and 3rd week

of December , 2012

Pilot with all Sponsor PSB Banks for 51 districts on 1st January,

2013

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Sr. No. Lead Bank

Total No. of

Districts

Aadhaar

Enrolment Status

1 State Bank of India 9 98,58,660.00 Already onboarded

2 Bank of India 6 36,36,701.00 Already onboarded

3 Syndicate Bank 1 43,55,237.00 Already onboarded

4 Canara Bank 1 2,99,800.00 Already onboarded

5 Punjab National Bank 9 46,33,030.00 Already onboarded

6 Bank of Maharashtra 1 28,29,909.00 Already onboarded

Total 27 2,56,13,337.00

7 United Bank of India 17,95,706.00 Yet to be Onboarded

8 Central Bank of India 2 17,70,069.00 Yet to be Onboarded

9 Vijaya Bank 1 6,25,330.00 Yet to be Onboarded

10 State Bank of Mysore 2 53,89,558.00 Yet to be Onboarded

11 State Bank of Travancore 1 4,85,100.00 Yet to be Onboarded

12 Indian Bank 2 49,80,789.00 Yet to be Onboarded

13 UCO Bank 1 3,50,790.00 Yet to be Onboarded

14 State Bank of Patiala 1 3,30,163.00 Yet to be Onboarded

15 State bank of Hyderabad 2 84,65,055.00 Yet to be Onboarded

16 Dena Bank 1 1,37,284.00 Yet to be Onboarded

17 Bank of Baroda 3 4,07,507.00 Yet to be Onboarded

18 State Bank of Bikaner and Jaipur 1 2,57,407.00 Yet to be Onboarded

19 Andhra Bank 1 50,22,152.00 Yet to be Onboarded

20 State Bank of Saurashtra (Merged to SBI) 2 1,54,867.00 Yet to be Onboarded

Total 20 3,01,71,777.00

GRAND TOTAL 51 5,57,85,114.00

Focus on 51 Districts – for APBS

Sr. No. Name E-mail Role / Designation

1 M Balakrishnan m.balakrishnan@npci.org.in Chief Operating Officer

2 Vipin Surelia vipin.surelia@npci.org.in Head Cheque Clearing, ACH & GP

3 Makarand Jadhav makarand.jadhav@npci.org.in Chief Manager – ACH

4 Ramesh Vijaya

Kumar

ramesh.vijayakumar@npci.org.in Sr. Manager – ACH and APBS

5 Debadarshi Roy debadarshi.roy@npci.org.in Asst. Manager – ACH and APBS

6 Teegela Reddy teegela.reddy@npci.org.in Asst. Manager – ACH and APBS

7 Website www.npci.org.in

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For further information

THANK YOU

ach@npci.org.in

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