promotion of digital payments

Promotion of Digital Payments

12th & 13th February, 2018

Growth in Digital Payments - Mode wise Performance

Figures in crores

Modes Quarter 1 Quarter 2 October November December January February (5th) AePS 20.01 23.97 8.10 8.31 8.61 9.30 1.3 BHIM Aadhaar 0.00 0.01 0.002 0.002 0.002 0.002 0.00 IMPS 19.76 22.77 8.81 8.95 9.80 9.96 1.51 USSD 0.06 0.06 0.02 0.02 0.02 0.02 0.01 UPI + BHIM 2.64 5.88 7.68 10.49 14.54 15.16 2.4 Debit Card 78.74 78.63 27.84 27.09 27.09 27.09 Total (Five Modes) 121.21 131.31 52.45 54.86 60.06 61.53 5.22 RTGS 2.98 2.85 1.00 1.08 1.09 1.12 0.13 NEFT 45.13 45.74 15.88 16.20 16.90 17.02 2.72 NACH 60.34 58.50 18.70 19.75 19.11 20.37 3.36 NETC 2.37 2.84 0.98 1.07 1.23 1.25 0.13 NCMC - - - - - - PPI 88.58 77.16 24.52 23.62 23.62 23.62 Credit Card 33.14 33.86 12.34 11.59 11.59 11.59 Closed Loop Wallet 21.07 22.41 6.75 6.92 6.72 6.07 0.01 Total 253.61 243.36 80.16 80.22 80.26 81.04 6.35 Internet Banking 33.72 32.76 11.68 11.98 11.54 12.17 1.97 Mobile Banking 11.39 12.56 6.23 5.54 6.77 5.48 0.94 Others 22.19 29.39 10.73 12.04 14.01 12.81 1.52 Total 67.30 74.71 28.64 29.56 32.32 30.46 4.43 Grand Total 442.12 449.38 161.25 164.65 172.64 173.03 16.00 Cumulative Total 442.12 891.50 1,052.75 1,217.39 1,390.04 1,563.07 1,579.07

Key Initiatives Undertaken by MeitY

Key Initiatives Undertaken by MeitY

Implemented a Digital payments dashboard

To track the bank wise/mode wise volume of transaction, POS & BHIM Aadhaar deployment

& Mobile/Aadhaar number seeding to bank account- To be launched on 13 Feb 18

Absorption of Merchant Discount Rate (MDR) for debit cards, BHIM-UPI transactions, and BHIM

Aadhaar pay for transactions upto Rs 2000 from 1st January, 2018 to 31st December, 2019

Launched promotional schemes for BHIM including BHIM Individual Referral scheme, BHIM

merchant Cashback scheme and BHIM Aadhaar incentive Scheme

A composite Scorecard developed to evaluate the performance of the banks on assigned

targets/parameters and also to create an environment of healthy competition amongst them.

Key Planned Initiatives in FY 2018-19

To incentivize digital payments and dis-incentivize the usage of Cash modes

To increase the adoption of Bharat Bill Payment System (BBPS) & to print Bharat QR on all Utility Bills

Launch a nation wide merchant on-boarding campaign on BHIM app with CSCs – MeitY campaign on-

going with CSCs, States to do similar effort for merchant onboarding

Link for digital payments promotional content - http://meity.gov.in/incentivepromotional-schemes

http://meity.gov.in/incentivepromotional-schemes











State Specific Analysis of Online Merchants Charging Convenience Fees/MDR Charges


Tamil Nadu, Kerala, Rajasthan,

Andhra Pradesh, Uttar

Pradesh, Telangana, West

Bengal, Maharashtra

Municipal Corporations

Charges varies from Rs 5/- to

Rs 35/- (approx.)

Some States NIL Charges

Va

rio

us

Sta

tes


Sector Name of

Merchant Charges Convenience Fee

If Yes, then how much

Charges MDR

Tamil Nadu

Utility

Tamil Nadu Electricity Board

Yes

Bank Charges Rs. 5 to Rs. 10

Transport

Tamil Nadu State Transport

Corporation

Yes

E-ticket Fee-Rs.10/ PG Service Fee Rs.10

Utility

Chennai Metro Water

Yes

Debit Card : 0.25% of the transaction amount + applicable Total GST - for transaction amount Rs 0.00 to Rs 1000.01 0.50% of the transaction amount + applicable Total GST - for transaction amount Rs 1000.01 to Rs 2000.01 1.00% of the transaction amount + applicable Total GST - for transaction amount Rs 2000.01 and above

Entertainment

Tamil Nadu Arasu Cable TV

Corporation Ltd

NIL

NIL


Sector Name of Merchant Charges Convenience Fee If Yes, then how much

Charges MDR

Kerala

Utility

Kerala State Electricity Board

Yes

Debit Card-0.78% (Tech Process PG) / Debit Card-0.84% (PayU PG)

Transport

Kerala State Transport

Corporation

Yes

Credit/Debit Card- Rs. 10 per passenger

Municipal Corporation/

Panchayat

Sanchaya Revenue and license

Yes

Credit/Debit Card(Master Card/Visa) - 1.85% on Bill Amount + Service Tax Card Payment Facility(Amex/Diners) – 2.50% on Bill Amount + Service Tax


Sector Name of Merchant Charges Convenience Fee If Yes, then how

much Charges MDR

Sikkim Education

Sikkim Manipal University

NIL

NIL

Punjab Municipal

Corporation/Panchayat

No charge

NIL

NIL

Karnataka Transport

KSTDC / KSRTC

NIL

NIL

Himachal Pradesh

Utility

H.P. State Electricity Board

NIL

NIL

Reference Excel for details on analysis

Action Required from States

• Government of India has decided to absorb MDR charges for all the digital transactions using debit cards, BHIM-UPI and BHIM Aadhaar Pay of value less than or equal to

Rs. 2000 Source: Link : http://meity.gov.in/writereaddata/files/gazette_notification_on_subsidizing_mdr_charges.pdf

• Government of India has decided to absorb MDR on all central government

receipts ( upto 1 lakh) Source : https://rbidocs.rbi.org.in/rdocs/notification/PDFs/NOTI5593BBEA4D670E486F96C7C0FAEB0D8EF5.PDF

Required Action - • State government may also consider to waive off any charges on state Govt

receipts using digital modes.

http://meity.gov.in/writereaddata/files/gazette_notification_on_subsidizing_mdr_charges.pdf



https://rbidocs.rbi.org.in/rdocs/notification/PDFs/NOTI5593BBEA4D670E486F96C7C0FAEB0D8EF5.PDF




PayGov India – National Payment Service Platform http://paygovindia.gov.in/index.html

Fast, Secure & Convenient online payments platform for C2G services

Reconciliation & Settlement – Funds transferred to State Nodal Bank by T+1

Payment Modes: Net Banking (80 banks) | Debit & Credit cards | IMPS | Cash Cards/Wallets | NEFT |

RTGS | BHIM

Live – 108 Depts/Agencies Transactions - Rs. 7074.53 Cr till 31st Jan 2018

NSDL Database Management Limited (NDML) as the implementing agency

Best Adoption Model:

State signing Umbrella Agreement with PayGov for the entire state.

Any Departments availing PayGov services would only require signing an MoU

Draft Agreements/MoU available at http://paygovindia.gov.in/download.html

http://paygovindia.gov.in/index.html

http://paygovindia.gov.in/download.html

Maharashtra

Kerala

Tamil

Nadu

J&K

HP

Rajasthan

Gujarat

CHH

Arunachal Pradesh

Puducherry TN

WB

Bihar

JHD

Uttarakhand

UP

MP

Maharashtra

AP

Odisha

Assam

Manipur

Mizoram

Meghalaya

Tripura

Goa

Punjab

Haryana

Chandigarh

Nagaland

Sikkim

Andaman & Nicobar Islands

Lakshadweep

Daman and Diu Dadra & Nagar Haveli

No Integration

Integrated <= 3 Depts/Agencies

Integrated > 3 Depts/Agencies

Delhi

Telangana

PayGov – Coverage

State Wise Scorecard Framework

Scorecard

Framework developed for monitoring States for Digital Payments • Receipts value through digital means at Key State Dept. (65 Marks)

• Infrastructure Enablement (25 Marks)

• Promotion and Incentives (10 Marks)

Scorecard

Receipts Value (Max Marks 66 )

A Department Total Value Value through

Digital Max Marks Score

1 Energy /Power bill payment 7 (Value through Digital/Total Value)* Max Marks)

2 Municipalities 7 (Value through Digital/Total Value)* Max Marks)

3 Road Transport (SRTU) 7 (Value through Digital/Total Value)* Max Marks)

4 Road Transport (RTO) 6 (Value through Digital/Total Value)* Max Marks)

5 Food and Public Distribution (FPS shops)

6 (Value through Digital/Total Value)* Max Marks)

6 Agriculture (Agri mandis) 5 (Value through Digital/Total Value)* Max Marks)

7 Road Transport (Toll) 4 (Value through Digital/Total Value)* Max Marks)

Scorecard….contd

Receipts Value (Max Marks 66 )

A Department Total Value Value through

Digital Max Marks Score

8 Fertilizers ( Fertilizer depots) 4 (Value through Digital/Total Value)* Max Marks)

9 Health ( State Government Hospitals) 4 (Value through Digital/Total Value)* Max Marks)

10 Panchayati Raj 3 (Value through Digital/Total Value)* Max Marks)

11 Land Revenue (Registration fee, Stamp duty etc.)


12 Police (Traffic Challan) 3 (Value through Digital/Total Value)* Max Marks)

13 Law and Justice (upto High Courts) - Fee for filing case, Stamp paper)


14 Milk co-operatives (like DMS ETC) 3 (Value through Digital/Total Value)* Max Marks)

Scorecard….contd

B Infrastructure Enablement (Maximum Marks 25 )

Parameter Input 1 Input 2 Max Marks Score

15 BBPS Onboarding Total Power/ Water / Gas Billers

Total Power/ Water/ Gas Billers on-boarded on BBPS

10 (Total number of Power/Water/ Gas Billers

on-boarded on BBPS / Total number of Power/Water/ Gas Billers )* Max Marks

16 Online Systems No. of online payment systems

No. of online payments systems which are digital payments enabled

5 ( No. of online payments systems which are

digital payments enabled / No. of online payment systems)* Max Marks

17 Physical counter enablement Total Govt. receipt counters

Total Govt. receipt counters enabled with Digital Payment

5 (Total Govt. receipt counters enabled with

Digital Payment / Total Govt. receipt counters)* Max Marks

18 BHARAT QR code on bills Total No. of billers Total No. of billers with BHARAT QR code printed on bills

5 ( Total No. of billers with BHARAT QR code printed on bills / Total No. of billers) * Max

Marks

C Promotion and Incentives (Maximum Marks 10 )

19 On-boarding campaign of BHIM/ BHARAT QR undertaken (Y/N)

State level campaign undertaken

5 Yes - 5, No -0

20 State Incentives to promote Digital Payments

Visible discount on digital payment

5 Yes - 5, No -0

Total 100

BBPS On-boarding Score

# State Electricity Water Gas Total

Score (out of 10) Total Billers

BBPS On-boarded

Total Billers BBPS On-boarded

Total Billers

BBPS On-boarded

Total Billers

BBPS On-boarded

1 Delhi 3 3 4 2 1 1 8 6 7.5 2 Tripura 1 1 1 0 1 1 3 2 6.7 3 Rajasthan 7 7 8 1 0 0 15 8 5.3 4 Dadra & Nagar Haveli 1 1 1 0 0 0 2 1 5.0 5 Daman and Diu 1 1 1 0 0 0 2 1 5.0 6 Meghalaya 1 1 1 0 0 0 2 1 5.0 7 Gujarat 5 5 8 0 4 2 17 7 4.1 8 Odisha 4 3 5 0 0 0 9 3 3.3 9 Uttrakhand 1 1 8 1 0 0 9 2 2.2

10 Uttar Pradesh 6 5 17 0 3 0 26 5 1.9 11 Bihar 3 3 13 0 0 0 16 3 1.9 12 Maharashtra 5 5 29 0 3 1 37 6 1.6 13 Haryana 2 0 10 0 2 2 14 2 1.4 14 Andhra Pradesh 2 2 15 0 0 0 17 2 1.2 15 West Bengal 4 2 13 0 0 0 17 2 1.2 16 Jharkand 2 1 8 0 0 0 10 1 1.0 17 Chhattisgarh 1 1 13 0 0 0 14 1 0.7 18 Karnataka 5 1 12 0 0 0 17 1 0.6 19 Madhya Pradesh 3 1 15 0 1 0 19 1 0.5

*For Water Billers, Total number is taken as No. of Municipal Corporations in State

BBPS On-boarding Score …. contd

# State Electricity Water* Gas Total

Score (out of 10) Total Billers

BBPS On-boarded

Total Billers BBPS On-boarded

Total Billers

BBPS On-boarded

Total Billers

BBPS On-boarded

20 Andaman & Nicobar 1 0 1 0 0 0 2 0 0.0 21 Arunachal Pradesh 1 0 1 0 0 0 2 0 0.0 22 Assam 1 0 1 0 1 0 3 0 0.0 23 Chandigarh 1 0 1 0 0 0 2 0 0.0 24 Goa 1 0 2 0 0 0 3 0 0.0 25 Himachal Pradesh 1 0 2 0 0 0 3 0 0.0 26 Jammu and Kashmir 1 0 2 0 0 0 3 0 0.0 27 Kerala 1 0 6 0 0 0 7 0 0.0 28 Lakshadweep 1 0 1 0 0 0 2 0 0.0 29 Manipur 1 0 1 0 0 0 2 0 0.0 30 Mizoram 1 0 1 0 0 0 2 0 0.0 31 Nagaland 1 0 1 0 0 0 2 0 0.0 32 Puducherry 1 0 5 0 0 0 6 0 0.0 33 Punjab 1 0 10 0 0 0 11 0 0.0 34 Sikkim 1 0 1 0 0 0 2 0 0.0 35 Tamil Nadu 1 0 12 0 0 0 13 0 0.0 36 Telangana 2 0 6 0 0 0 8 0 0.0

Total** 75 44 236 4 16 7 327 55 1.7 *For Water Billers, Total number is taken as No. of Municipal Corporations in State **In addition, there are 19 National DTH and Telecom providers on-boarded on BBPS, and Adani Gas on-boarded on BBPS present in Multiple States

Standard Operating Procedure (SOP) for States

Role of State Dept. in Digital Payments

States Depts.

Standardized and Integrated Systems

At Central, State and District bodies

Automated tracking Digital Transaction

Connectivity and reach for Higher Uptake

Capacity Building & Training for secure usage

on Digital Payment Modes

Intuitive and Easy to use Systems for

Payments

Incentivaization On Usage of Digital Modes of Payments

Innovative Promotional Campaigns

Alliance with Centre Govt. on Digital Payments

initiatives

Expectation from States

• All Municipalities to be enabled for accepting Digital Payments

• States may get a common App developed for all Municipalities

• Identify all utility billers • Time bound plan for on-boarding on BBPS • Dynamic/Static BHARAT QR code on bills

• Workshop with States Dept. for identifying areas for Merchant On-boarding

• Finalize business model with CSCs, campaign material

• Undertake campaign and monitor results

• Syndicated campaign for promotion of Digital Payments

• Visible discounts on payments through Digital Modes

Digital Payments

Identify Depts. with High Citizen Touchpoints

Focus Areas Value Chain/Tracks for Digitization of Payments

Transport RTO, Toll Collection, State Road Transport Corporation

Urban Development RLB, ULB, Municipal Payments, Smart Cities

Health and Family Welfare Hospital payments, Aanganwadis

Education Fee payments, Educational institutes canteens

Food and Civil Supplies FPS Owners, Commodity procurement

Power Bill payments, Townships

Agriculture Mandis, APMCs

State and Local taxes Stamp duty, Registration, Shop and establishment licence,

Citizen Services Birth & Death certificate, Marriage certificate, SC/ST/OBC Certificate, Domicile Certificate, Land Record related payments

Tourism Entry Fees, Stall/vendor payments

Traffic Challans Penalties/Challan payments

Strategic Roadmap for enablement

26

Status of Government

receipt

Level 1:

No IT automation and limited resources

Level 2:

Limited IT automation and minimal level of

digital payment readiness

Level 3:

Full IT automation and already doing some modes

of digital payments 1

Diverse Modes of digital payments

2

Low Cost solutions • Bharat QR code • BHIM Aadhaar/ BBPS

No smart phone requirement • USSD • BHIM Aadhaar

Minimal or no IT automation • Wallet players/Payment Banks • Bank based limited IT bill

payments systems

Strategic Roadmap for Digital payments

Detailed analysis of each receipt point for digital payments

enablement

Customized solutions for each receipt point

Logical and comprehensive time based roadmap for digital payments

enablement

Sample Roadmap

Identification and listing of touch

points

Assessment of current state; Digital

Payment Enablement/IT

maturity/Transactions traffic/Peak Load

Identification of most feasible

mode: Bharat QR, PoS, Aadhar Pay,

NCMC, USSD

Implementation Consulting of

deployment of selected mode at each touch point

Training and Change

Management: Train the Trainers

approach for all departments

Dash-boarding, Regular monitoring

and Reporting

Stakeholder Management: State

Departments, CM Office, Districts, Banks, MeitY, PMO, Payment Service

Providers, NPCI

Promotion and Awareness Campaign- Awareness,

Security, incentive schemes through Radio,

Newspaper, Social Media, CM Window,

Grievance

Management

One Month

Three Months

Three Months

Best Practices - In different States and Sectors

Best Practices

Telangana

Amendment in the Shops and Establishment act

Amendment in the State Motor Vehicle Act

Merchant on-boarding drive on BharatQR code in districts

Utility Bill Payment

eNagarpalika – A unified app for 350+ state Municipal Receipts

Delhi Usage of One Delhi Metro Card at DTC buses & shops at

DMRC -http://www.delhimetrorail.com/whatnew_details.aspx?id=axxd290CIsUlld

Kerala Kerala Shopping Festival Digital Payment Lottery Scheme

http://www.cdfi.in/our-works/digital-grand-kerala-shopping-festival

Best Practices in States

Madhya Pradesh

States have implemented multiple initiatives which can be replicated directly or with certain customizations as per the state in consideration

Best Practices at Central Government

Incentivisation Absorption of MDR for Government Receipts

BHIM Enablement drive with support of CSCs

Schemes

BHIM Enablement drive with support of CSCs

Scheme for usage of BHIM & BHIM – Aadhaar

BHIM Referral

BHIM Merchant Cashback

BHIM Aadhaar Incentive Scheme

Integrate Digital Payments Dashboard

With Daily updates of transactions from various stakeholders Banks, Departments and State

Enablement

States may also take initiatives across the various pillars where in Central Government has intervened.

Generic Non Tax Receipt Portal

For ALL Central Government Receipts

Best Practices at Each state Madhya Pradesh eNagarpalika

Best Practices at Each state Delhi One Metro Card

Best Practices at Each state Kerala Digital Lottery Scheme

District level Campaign Rollout Plan

Merchant On-boarding for BHIM QR code

Campaign drive for merchant on-boarding for BHIM QR code adoption with joint support from District Administration and Retailer Associations.

End to end support to respective merchants for BHIM QR code adoption

Print BHIM QR code sticker at merchants

Conduct of awareness rallies for BHIM and BHARAT QR code adoption

Extended Support by CSC

1st: Weekly/Monthly contest roll-out for merchants

2nd : Weekly/Monthly contest roll-out for merchants

3rd : DigiDhan campaign at District level

A

Enablement of Govt. Receipt with Digital Payment Acceptance Mode

– To create awareness and penetrate Digital Payments among the consumers

– Enablement of Government and non government touch-points for digital payment acceptance

B

Citizen segment specific

communication

Utility Bill Payment through

BBPS

Bharat QR code Utility physical

bills printed with QR code

Pull Transactions on

Mobile

BHIM QR code Static and Dynamic

Physical and m-PoS

Online Payment Gateway

Digital Payment Promotions &

Acceptance

Administrative Directions & Support to Banks on Spreading awareness of Digital Payments

Promotional campaign through Banks channels i.e. Branches, ATMs, BCs on BHIM and BHARAT QR code

Deeper Penetration in Rural areas by means of- Digital Payment knowledge through video

clipping, session on digital payments

Distribution of pamphlets, booklets and brochures

Demo Session for Digital Payments products, transaction and ease

Digital Payments signage in all Account Opening application form, cheques books, passbook.

Extended Plans

1st: Training session with merchants for imparting knowledge on Digital Payments products and various merchant specific schemes like BHIM Incentivization

2nd : Incentivization campaign roll-out for merchants as well as for consumers

C

Awareness to Industry Bodies, Merchants & Shop Associations

Imparting Digital Payments knowledge by means of forum/panel discussion

Showcasing industry best practices through audio-visual (AV) clips.

Distribution of promotional materials as prepared and shared by MeitY

D

District Level “Digital Dashboard” for transaction tracking & monitoring

To keep a rigorous monitoring for digital payments transaction tracking, it’s proposed to have a district level ‘Digital

Dashboard’ in place:

1. Merchant Onboarding by CSC: Assigned target Vs achievement (daily/weekly/monthly)

2. Merchant Onboarding by Banks (District level Branch wise): Assigned target Vs achievement (daily/weekly/ monthly)

3. Branch Wise score assignment:

– Digital payments acceptance points

– Number of digital payments transactions

4. No. of Promotional campaign / training done:

– By Branches and CSC (monthly)

E

Sample District Level Reporting Tracking & Monitoring

1st: Receive reports from all district bank in DLBC meeting

2nd : Report to be submitted on monthly basis to MeitY

Bank Name

Mumbai- District "Digital Payments" Dashboard

Branch Name

Merchant

Acquired

(% of

Achievement)

Promotional

Campaign

(% of

Achievement)

Promotional

Campaign

(% of

Achievement)

No. of Digital

Transaction

(% of

Achievement)

Trxn. Value

in INR

(% of

Achievement

)

State Bank of

India

Goregaon

Dadar

Bank of India Vikhroli

Powai

Learnings from Pilot Initiatives – CSC (Varanasi)

Key learnings taken from BHIM QR Drive at Varanasi- 1/3

Challenges Description

BHIM not allowing more

than ten transactions.

• The BHIM App is currently not allowing more than 10 transactions initiated from QR code within a day,

• Will impact smooth business conduct for merchants.

Contact Numbers synced with Bank

Accounts not active

• The contact number shared merchants at the time of opening bank account, may no longer be in use.

• The contact number linked with bank account must be active for QR activation.

• CSC-SPV conducted BHIM QR code drive in Varanasi from 2nd to 20th January 2018 • The team helped in enablement of merchants on the BHIM app in local markets where they identified some key challenges faced

Steps to be taken

The issue being addressed by NPCI

Merchants to be educated with the online- process of updating contact details

with respective banks

RRBs and Co-operative Banks

not LIVE on BHIM

• Most of the RRBs and Co-operative banks are not live on BHIM

• The major population in Tier II cities are mostly banked by RRBs and co-operative bank .

RRBs and Co-operative banks to be on-board

Challenges faced and learnings taken from BHIM QR Drive at Varanasi- 2/3

Challenges Descriptions

Non- Availability of Debit Cards to

set UPI Pin.

• The Merchant need to generate UPI PIN for initializing/ accepting BHIM QR transactions.

• The availability of Debit Card is compulsory for generating UPI PIN.

Internet Connectivity

• The far flung areas in Varanasi, did not have internet connectivity which is a foremost important condition for initiation of BHIM QR transactions.

Operational Challenges encountered.

Resolution Steps

The Merchants to be informed about PMJDY

and asked to avail RuPay debit card through this

scheme

The merchants can be given options about cheap and reliable medium of internet

connectivity like JIO-FI

Reconciliation of Transactions

• The Merchant reconciliation process with the bank is a tedious task, as informed by the merchants.

• The reconciliation of transactions is of most importance as it is the basis of settlement of amount.

Standard Operating Procedure for

reconciliation to be shared by banks with respective merchants.

Challenges faced and learnings taken from BHIM QR Drive at Varanasi- 3/3

Challenges Descriptions

Hardware/ Software Upgrade.

• The Merchant needs to have upgraded hardware and Software for smooth and hassle free transaction processing.

Localization/ language barrier

• The familiarity with local language needs to be there to explain the Merchants about the acquiring via BHIM QR code.

Operational Challenges encountered.

Resolution Steps

The latest hardware/ software requirement can

be fulfilled by a smart phone

The teams should be accompanied by local individuals for making

effective communication with merchants

Need of awareness

among general public

• The general public is still unaware about the BHIM QR.

• Increased merchant awareness will lead to ease in adoption of new technology and product.

Promotional campaigns to be run in Tier-II cities

for improving awareness

Thanks

Reference of Vizag Pilot

Circulars of AP Government

States Digital Transactions Ranking

Per Capita Transaction of BHIM, USSD and Rupay Debit Card since 1st Apr 2017

Rank State Total

Transactions in FY 17-18

Per Capita Transactions

1 HARYANA 5.07 1.83

2 ANDHRA PRADESH 14.58 1.58 3 MAHARASHTRA 17.43 1.42 4 GOA 0.19 1.22

5 UTTAR PRADESH 22.89 1.05

6 KARNATAKA 6.82 1.02

7 ODISHA 4.65 1.02

8 UTTARAKHAND 0.83 0.75 9 TAMIL NADU 5.08 0.65

10 TELANGANA 2.38 0.62 11 WEST BENGAL 5.40 0.54

12 KERALA 1.91 0.52 13 HIMACHAL PRADESH 0.38 0.51

14 GUJARAT 3.16 0.48 15 PUNJAB 1.22 0.41

Rank State Total

Transactions in FY 17-18


16 SIKKIM 0.02 0.37 17 MADHYA PRADESH 2.83 0.36

18 RAJASTHAN 2.63 0.35 19 JHARKHAND 0.98 0.27

20 ASSAM 0.88 0.26

21 BIHAR 2.23 0.20

22 TRIPURA 0.06 0.14 23 ARUNACHAL PRADESH 0.02 0.12 24 MEGHALAYA 0.04 0.12

25 CHHATTISGARH 0.31 0.11

26 JAMMU AND KASHMIR 0.14 0.11

27 MANIPUR 0.03 0.10 28 MIZORAM 0.01 0.07

29 NAGALAND 0.01 0.06

Transactions in Crore

Per Capita Transaction of BHIM, USSD and Rupay Debit Card since 1st Apr 2017

Rank Union Territories Total Transactions In

Cr(BHIM+USSD+RuPay Debit Card) in FY 17-18


1 CHANDIGARH 0.70 6.10

2 DADRA AND NAGAR HAVELI 0.08 2.01

3 DAMAN AND DIU 0.05 1.87

4 DELHI 3.38 1.85 5 PUDUCHERRY 0.14 1.01

6 ANDAMAN AND NICOBAR 0.03 0.75

7 LAKSHADWEEP 0.00 0.13

Transactions in Crore

Aadhaar Seeding & Mobile Seeding

Aadhaar and Mobile Seeding in States

Aadhaar Seeding in Bank Accounts Mobile Seeding In Bank Accounts

Aadhaar Seeding process has been completed for 79% of the CASA accounts .

Leading States & UT

Sikkim

Andhra Pradesh

Tripura

Chhattisgarh

Mobile Seeding process has been completed for 76% of the accounts .

Leading States & UT

87.6 %

87.1 %

85.2 %

83.6 %

• Source: All public sector banks, sponsored RRBs, payment banks & 16 private sector banks. • Data till 02nd Feb 2018

1

3

4

5

Jharkhand 87.2 % 2

Kerala 93.6% 1

Sikkim 93.5% 2

Daman & Diu 93.3% 3

Nagaland 93% 4

Andaman & Nicobar Island 92.8% 5

State wise - Percentage of Aadhaar Seeding

State Name % of CASA Aadhaar

seeding

Andaman & Nicobar islands 83 Andhra Pradesh 87.1 Arunachal Pradesh 57.4 Bihar 79.4 Chandigarh 78.9 Chhattisgarh 83.6 Dadra & Nagar Haveli 82 Daman & Diu 83.2 Delhi 77.1 Goa 73.1 Gujarat 74.9 Haryana 80.9 Himachal pradesh 83.4 Jharkhand 87.2 Karnataka 78.5 Kerala 78.2

State Name % of CASA Aadhaar

seeding Lakshadweep 81

Madhya Pradesh 81.9

Maharashtra 78.4

Manipur 75.5

Mizoram 70.1

Nagaland 66.3

Odisha 74

Puducherry 81.7

Punjab 79.9

Rajasthan 79.8

Sikkim 87.6

Tamil nadu 75

Telangana 82.5

Tripura 85.2

Uttar pradesh 78.9

Uttarakhand 77.1

West Bengal 79.5 • Source: All public sector banks, sponsored RRBs, payment banks & 16 private sector banks. • Data till 02nd Feb 2018

State wise - Percentage of Mobile Seeding

State % Mobile Seeding

Andaman & nicobar islands 92.8 Andhra Pradesh 83.3 Arunachal pradesh 79.9 Assam 73.8 Bihar 71.7 Chandigarh 92 Chhattisgarh 64.6 Dadra & Nagar Haveli 90.9 Daman & diu 93.3 Delhi 91 Goa 92.2 Gujarat 83.4 Haryana 83.2 Himachal pradesh 84 Jammu & kashmir 86.2 Jharkhand 72.4 Karnataka 88.3 Kerala 93.6

State % Mobile Seeding

Lakshadweep 89.5 Madhya pradesh 63.7 Maharashtra 88.9 Manipur 88.7 Meghalaya 68.8 Mizoram 75.2 Nagaland 93 Odisha 70.5 Puducherry 90.1 Punjab 83.2 Rajasthan 78.8 Sikkim 93.5 Tamil nadu 85.1 Telangana 84.7 Tripura 82 Uttar pradesh 75.4 Uttarakhand 83.3 West bengal 75.3

• Source: All public sector banks, sponsored RRBs, payment banks & 16 private sector banks. • Data till 02nd Feb 2018

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