Download - NACH
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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.
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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
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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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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 [email protected] Chief Operating Officer
2 Vipin Surelia [email protected] Head Cheque Clearing, ACH & GP
3 Makarand Jadhav [email protected] Chief Manager – ACH
4 Ramesh Vijaya
Kumar
[email protected] Sr. Manager – ACH and APBS
5 Debadarshi Roy [email protected] Asst. Manager – ACH and APBS
6 Teegela Reddy [email protected] Asst. Manager – ACH and APBS
7 Website www.npci.org.in
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For further information