Promotion of Digital Payments

12th & 13th February, 2018

 Growth in Digital Payments - Mode wise Performance
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

Figures in crores
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

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

Tamil Nadu, Kerala, Rajasthan, Municipal Corporations

Andhra Pradesh, Uttar Charges varies from Rs 5/- to
Pradesh, Telangana, West Rs 35/- (approx.)
Various States

Bengal, Maharashtra

Some States NIL Charges

 State Specific Analysis of Online Merchants Charging
Convenience Fees/MDR Charges
Name of If Yes, then
Sector Charges Convenience Fee Charges MDR
Merchant how much

Tamil Nadu Electricity Board Bank Charges Rs. 5 to Rs. 10

Utility Yes

Tamil Nadu State Transport E-ticket Fee-Rs.10/ PG Service Fee Rs.10

Transport Yes
Corporation
Debit Card :
Tamil Nadu 0.25% of the transaction amount + applicable
Total GST - for transaction amount Rs 0.00 to Rs
1000.01

Yes 0.50% of the transaction amount + applicable

Chennai Metro Water Total GST - for transaction amount Rs
Utility 1000.01 to Rs 2000.01

1.00% of the transaction amount + applicable

Total GST - for transaction amount Rs
2000.01 and above

Tamil Nadu Arasu Cable TV NIL

Entertainment NIL
Corporation Ltd
 State Specific Analysis of Online Merchants Charging
Convenience Fees/MDR Charges
If Yes, then
Sector Name of Merchant Charges Convenience Fee Charges MDR
how much

Utility Kerala State Electricity Board Yes Debit Card-0.78% (Tech Process PG) /
Kerala Debit Card-0.84% (PayU PG)

Transport Kerala State Transport Yes Credit/Debit Card- Rs. 10 per passenger
Corporation

Credit/Debit Card(Master Card/Visa) -

Municipal Sanchaya Revenue and license Yes 1.85% on Bill Amount + Service Tax
Corporation/
Card Payment Facility(Amex/Diners) –
Panchayat 2.50% on Bill Amount + Service Tax
 State Specific Analysis of Online Merchants Charging
Convenience Fees/MDR Charges
If Yes, then how
Sector Name of Merchant Charges Convenience Fee Charges MDR
much
Sikkim
Education Sikkim Manipal University NIL NIL

Punjab
Municipal No charge NIL NIL
Corporation/Panchayat

Karnataka
Transport KSTDC / KSRTC NIL NIL

Himachal Pradesh

Utility H.P. State Electricity Board NIL NIL

Reference Excel for details on analysis

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

 PayGov – Coverage
J&K

HP
Chandigarh
Punjab Uttarakhand
Arunachal Pradesh
Delhi Sikkim
Haryana

UP Assam
Nagaland
Rajasthan
Bihar Manipur
Meghalaya

WB Tripura Mizoram
Gujarat MP JHD

CHH
Odisha
Daman and Diu
Maharashtra
Maharashtra

Dadra & Nagar Haveli Integrated > 3 Depts/Agencies

Telangana
Integrated <= 3 Depts/Agencies
Goa

AP No Integration

Puducherry
Lakshadweep Tamil TN
Kerala Nadu

Andaman & Nicobar

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

(Value through Digital/Total Value)* Max

2 Municipalities 7
Marks)

(Value through Digital/Total Value)* Max

3 Road Transport (SRTU) 7
Marks)

(Value through Digital/Total Value)* Max

4 Road Transport (RTO) 6
Marks)

Food and Public Distribution (FPS (Value through Digital/Total Value)* Max
5 6
shops) Marks)

(Value through Digital/Total Value)* Max

6 Agriculture (Agri mandis) 5
Marks)

(Value through Digital/Total Value)* Max

7 Road Transport (Toll) 4
Marks)
 Scorecard….contd
Receipts Value (Max Marks 66 )
Value through
A Department Total Value Max Marks Score
Digital
(Value through Digital/Total Value)* Max
8 Fertilizers ( Fertilizer depots) 4
Marks)
(Value through Digital/Total Value)* Max
9 Health ( State Government Hospitals) 4
Marks)
(Value through Digital/Total Value)* Max
10 Panchayati Raj 3
Marks)

Land Revenue (Registration fee, Stamp (Value through Digital/Total Value)* Max
11 3
duty etc.) Marks)

(Value through Digital/Total Value)* Max

12 Police (Traffic Challan) 3
Marks)

Law and Justice (upto High Courts) - (Value through Digital/Total Value)* Max
13 3
Fee for filing case, Stamp paper) Marks)

(Value through Digital/Total Value)* Max

14 Milk co-operatives (like DMS ETC) 3
Marks)
 Scorecard….contd
B Infrastructure Enablement (Maximum Marks 25 )

Parameter Input 1 Input 2 Max Marks Score

Total Power/ Water/ Gas (Total number of Power/Water/ Gas Billers
Total Power/ Water
15 BBPS Onboarding Billers on-boarded on 10 on-boarded on BBPS / Total number of
/ Gas Billers
BBPS Power/Water/ Gas Billers )* Max Marks
No. of online payments ( No. of online payments systems which are
No. of online
16 Online Systems systems which are digital 5 digital payments enabled / No. of online
payment systems
payments enabled payment systems)* Max Marks
Total Govt. receipt (Total Govt. receipt counters enabled with
Total Govt. receipt
17 Physical counter enablement counters enabled with 5 Digital Payment / Total Govt. receipt
counters
Digital Payment counters)* Max Marks
Total No. of billers with ( Total No. of billers with BHARAT QR code
18 BHARAT QR code on bills Total No. of billers BHARAT QR code printed 5 printed on bills / Total No. of billers) * Max
on bills Marks
C Promotion and Incentives (Maximum Marks 10 )
State level
On-boarding campaign of BHIM/ Yes - 5,
19 campaign 5
BHARAT QR undertaken (Y/N) No -0
undertaken
State Incentives to promote Digital Visible discount on Yes - 5,
20 5
Payments digital payment No -0
Total 100
 BBPS On-boarding Score
Electricity Water Gas Total
Score
# State BBPS On- BBPS On- Total BBPS On- Total BBPS On-
Total Billers Total Billers (out of 10)
boarded boarded Billers boarded Billers 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
Electricity Water* Gas Total
Score
# State BBPS On- BBPS On- Total BBPS On- Total BBPS On-
Total Billers Total Billers (out of 10)
boarded boarded Billers boarded Billers 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
Standardized and Automated tracking Digital
Integrated Systems Transaction
At Central, State and
District bodies

Capacity Building &

Intuitive and Easy
Training for secure usage
to use Systems for
on Digital Payment Modes
Payments

States
Depts.
Alliance with
Centre Govt. on Incentivaization
Digital Payments On Usage of Digital
initiatives Modes of Payments

Innovative Connectivity and reach for

Promotional Higher Uptake
Campaigns
 Expectation from States

• Identify all utility billers • All Municipalities to be enabled for accepting

• Time bound plan for on-boarding on BBPS Digital Payments
• Dynamic/Static BHARAT QR code on bills • States may get a common App developed for all
Municipalities

Digital Payments
• Workshop with States Dept. for
identifying areas for Merchant On-
• Syndicated campaign for promotion of Digital
boarding
Payments
• Finalize business model with CSCs,
• Visible discounts on payments through Digital
campaign material
Modes
• Undertake campaign and monitor
results
 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,

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

Tourism Entry Fees, Stall/vendor payments

Traffic Challans Penalties/Challan payments
 Strategic Roadmap for enablement
Level 3: 2 Diverse Modes of digital
payments
Full IT automation and
Low Cost solutions
already doing some modes
• Bharat QR code
of digital payments • BHIM Aadhaar/ BBPS
1 Level 2:
Status of
Limited IT automation
Government No smart phone requirement
and minimal level of
receipt • USSD
digital payment
Level 1: • BHIM Aadhaar
readiness
No IT automation
and limited Minimal or no IT automation
resources • Wallet players/Payment Banks
• Bank based limited IT bill
payments systems

Strategic Roadmap for Digital payments

Detailed analysis of each receipt Logical and comprehensive time

Customized solutions for each
point for digital payments based roadmap for digital payments
receipt point
enablement enablement
26
 Sample Roadmap
Implementation
Consulting of
deployment of
Three selected mode at
Months each touch point
Promotion and Awareness
Identification of Campaign- Awareness,
most feasible Training and Security, incentive
mode: Bharat QR, Change schemes through Radio,
PoS, Aadhar Pay, Management: Train Newspaper, Social Media,
NCMC, USSD the Trainers CM Window,
approach for all
Three
departments
Months Grievance
Assessment of Management
current state; Digital
Payment
Enablement/IT Dash-boarding, Stakeholder
Identification and
maturity/Transactio Regular monitoring Management: State
listing of touch
ns traffic/Peak Load and Reporting Departments, CM Office,
points
One Districts, Banks, MeitY,
Month PMO, Payment Service
Providers, NPCI
Best Practices - In different States and Sectors
 Best Practices
Best Practices in States
 Amendment in the Shops and Establishment act
 Amendment in the State Motor Vehicle Act
Telangana
States have  Merchant on-boarding drive on BharatQR code in districts
implemented  Utility Bill Payment
multiple initiatives
which can be Madhya Pradesh
 eNagarpalika – A unified app for 350+ state Municipal
Receipts
replicated directly
or with certain
 Usage of One Delhi Metro Card at DTC buses & shops at
customizations as Delhi DMRC -
per the state in http://www.delhimetrorail.com/whatnew_details.aspx?id=axxd290CIsUlld
consideration
Kerala  Kerala Shopping Festival Digital Payment Lottery Scheme
http://www.cdfi.in/our-works/digital-grand-kerala-shopping-
festival
 Best Practices at Central Government
Incentivisation  Absorption of MDR for Government Receipts

Enablement  BHIM Enablement drive with support of CSCs

States may also
take initiatives  BHIM Enablement drive with support of CSCs
across the  Scheme for usage of BHIM & BHIM – Aadhaar
various pillars Schemes  BHIM Referral
where in Central  BHIM Merchant Cashback
Government has  BHIM Aadhaar Incentive Scheme
intervened.
Integrate Digital  With Daily updates of transactions from various stakeholders
Payments Dashboard Banks, Departments and State

Generic Non Tax

Receipt Portal
 For ALL Central Government Receipts
Best Practices at Each state
Madhya Pradesh eNagarpalika
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
A Merchant On-boarding for BHIM QR code

Campaign drive for merchant on-

boarding for BHIM QR code adoption Extended Support by CSC
with joint support from District
Administration and Retailer
1st: Weekly/Monthly contest roll-out for
Associations. merchants
End to end support to respective
merchants for BHIM QR code adoption
2nd : Weekly/Monthly contest roll-out for
Print BHIM QR code sticker at merchants
merchants
Conduct of awareness rallies for BHIM 3rd : DigiDhan campaign at District level
and BHARAT QR code adoption
B 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

Physical and Online Payment

m-PoS Gateway

Citizen segment Utility Bill

specific Payment through
communication BBPS
Digital Payment
Promotions &
Acceptance
Utility physical
Bharat QR code bills printed with
QR code

Pull BHIM QR code

Transactions on Static and
Mobile Dynamic
 Administrative Directions & Support to Banks on Spreading awareness
C of Digital Payments

Promotional campaign through Banks

channels i.e. Branches, ATMs, BCs on Extended Plans
BHIM and BHARAT QR code 1st: Training session with merchants for
imparting knowledge on Digital
Deeper Penetration in Rural areas by Payments products and various
merchant specific schemes like BHIM
means of- Incentivization
 Digital Payment knowledge through video
clipping, session on digital payments
 Distribution of pamphlets, booklets and 2nd : Incentivization campaign roll-out
brochures for merchants as well as for consumers
 Demo Session for Digital Payments products,
transaction and ease
 Digital Payments signage in all Account Opening
application form, cheques books, passbook.
D 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

 District Level “Digital Dashboard” for transaction tracking &
E 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)
 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

Mumbai- District "Digital Payments" Dashboard

Trxn. Value
Merchant Promotional Promotional No. of Digital
in INR
Bank Name Acquired Campaign Campaign Transaction
Branch Name (% of
(% of (% of (% of (% of
Achievement
Achievement) Achievement) Achievement) Achievement)
)
State Bank of Goregaon
India Dadar
Vikhroli
Bank of India
Powai
Learnings from Pilot Initiatives – CSC (Varanasi)
 Key learnings taken from BHIM QR Drive at Varanasi- 1/3

• 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

Challenges Description Steps to be taken

BHIM not • The BHIM App is currently not allowing more than
allowing more 10 transactions initiated from QR code within a day, The issue being addressed
than ten by NPCI
• Will impact smooth business conduct for merchants.
transactions.

Contact Numbers • The contact number shared merchants at the time Merchants to be educated
synced with Bank of opening bank account, may no longer be in use. with the online- process of
Accounts not • The contact number linked with bank account must updating contact details
active be active for QR activation. with respective banks

RRBs and Co- • Most of the RRBs and Co-operative banks are not
operative Banks live on BHIM RRBs and Co-operative
not LIVE on • The major population in Tier II cities are mostly banks to be on-board
BHIM banked by RRBs and co-operative bank .
 Challenges faced and learnings taken from BHIM QR Drive at
Varanasi- 2/3
Operational Challenges encountered.

Challenges Descriptions Resolution Steps

The Merchants to be
Non- Availability • The Merchant need to generate UPI PIN for
informed about PMJDY
of Debit Cards to initializing/ accepting BHIM QR transactions.
and asked to avail RuPay
set UPI Pin. • The availability of Debit Card is compulsory for debit card through this
generating UPI PIN. scheme

The merchants can be

• The far flung areas in Varanasi, did not have internet given options about
Internet
connectivity which is a foremost important condition cheap and reliable
Connectivity
for initiation of BHIM QR transactions. medium of internet
connectivity like JIO-FI
• The Merchant reconciliation process with the bank is Standard Operating
a tedious task, as informed by the merchants. Procedure for
Reconciliation of
• The reconciliation of transactions is of most reconciliation to be
Transactions
importance as it is the basis of settlement of shared by banks with
amount. respective merchants.
 Challenges faced and learnings taken from BHIM QR Drive at
Varanasi- 3/3
Operational Challenges encountered.

Challenges Descriptions Resolution Steps

Hardware/ The latest hardware/

• The Merchant needs to have upgraded hardware
Software software requirement can
and Software for smooth and hassle free transaction be fulfilled by a smart
Upgrade.
processing. phone

The teams should be

• The familiarity with local language needs to be there accompanied by local
Localization/
language barrier to explain the Merchants about the acquiring via individuals for making
BHIM QR code. effective communication
with merchants

Need of • The general public is still unaware about the BHIM

Promotional campaigns
awareness QR.
to be run in Tier-II cities
among general • Increased merchant awareness will lead to ease in for improving awareness
public adoption of new technology and product.
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

Total Total
Per Capita Per Capita
Rank State Transactions in Rank State Transactions in
Transactions Transactions
FY 17-18 FY 17-18

1 HARYANA 5.07 1.83 16 SIKKIM 0.02 0.37

2 ANDHRA PRADESH 14.58 1.58 17 MADHYA PRADESH 2.83 0.36
3 MAHARASHTRA 17.43 1.42 18 RAJASTHAN 2.63 0.35
4 GOA 0.19 1.22 19 JHARKHAND 0.98 0.27
5 UTTAR PRADESH 22.89 1.05 20 ASSAM 0.88 0.26
6 KARNATAKA 6.82 1.02 21 BIHAR 2.23 0.20
7 ODISHA 4.65 1.02 22 TRIPURA 0.06 0.14
8 UTTARAKHAND 0.83 0.75 23 ARUNACHAL PRADESH 0.02 0.12
9 TAMIL NADU 5.08 0.65 24 MEGHALAYA 0.04 0.12
10 TELANGANA 2.38 0.62 25 CHHATTISGARH 0.31 0.11
11 WEST BENGAL 5.40 0.54 JAMMU AND
12 KERALA 1.91 0.52 26 KASHMIR 0.14 0.11
13 HIMACHAL PRADESH 0.38 0.51 27 MANIPUR 0.03 0.10
14 GUJARAT 3.16 0.48 28 MIZORAM 0.01 0.07
15 PUNJAB 1.22 0.41 29 NAGALAND 0.01 0.06
Transactions in Crore
 Per Capita Transaction of BHIM, USSD and Rupay Debit
Card since 1st Apr 2017

Total Transactions In
Per Capita
Rank Union Territories Cr(BHIM+USSD+RuPay
Transactions
Debit Card) in FY 17-18

1 CHANDIGARH 0.70 6.10

DADRA AND NAGAR
2 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
ANDAMAN AND
6 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% Mobile Seeding process has been completed for 76%
of the CASA accounts . of the accounts .

Leading States & UT Leading States & UT

1 Sikkim 87.6 % 1 Kerala 93.6%

2 Jharkhand 87.2 % 2 Sikkim 93.5%

3 Andhra Pradesh 87.1 % 3 Daman & Diu 93.3%

4 Tripura 85.2 % 4 Nagaland 93%

5 Chhattisgarh 83.6 % 5 Andaman & Nicobar Island 92.8%

• Source: All public sector banks, sponsored RRBs, payment banks & 16 private sector banks.
• Data till 02nd Feb 2018
State wise - Percentage of Aadhaar Seeding

% of CASA Aadhaar % of CASA Aadhaar

State Name State Name
seeding seeding
Lakshadweep 81
Andaman & Nicobar islands 83 Madhya Pradesh 81.9
Andhra Pradesh 87.1 Maharashtra 78.4
Arunachal Pradesh 57.4 Manipur 75.5
Bihar 79.4
Mizoram 70.1
Chandigarh 78.9
Nagaland 66.3
Chhattisgarh 83.6
Odisha 74
Dadra & Nagar Haveli 82
Puducherry 81.7
Daman & Diu 83.2
Punjab 79.9
Delhi 77.1
Goa 73.1 Rajasthan 79.8
Gujarat 74.9 Sikkim 87.6
Haryana 80.9 Tamil nadu 75
Himachal pradesh 83.4 Telangana 82.5
Jharkhand 87.2 Tripura 85.2
Karnataka 78.5 Uttar pradesh 78.9
Kerala 78.2 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
% Mobile % Mobile
State State
Seeding Seeding
Andaman & nicobar islands 92.8 Lakshadweep 89.5
Andhra Pradesh 83.3 Madhya pradesh 63.7
Arunachal pradesh 79.9 Maharashtra 88.9
Assam 73.8 Manipur 88.7
Bihar 71.7 Meghalaya 68.8
Chandigarh 92 Mizoram 75.2
Chhattisgarh 64.6 Nagaland 93
Dadra & Nagar Haveli 90.9 Odisha 70.5
Daman & diu 93.3 Puducherry 90.1
Delhi 91 Punjab 83.2
Goa 92.2 Rajasthan 78.8
Gujarat 83.4 Sikkim 93.5
Haryana 83.2 Tamil nadu 85.1
Himachal pradesh 84 Telangana 84.7
Jammu & kashmir 86.2 Tripura 82
Jharkhand 72.4 Uttar pradesh 75.4
Karnataka 88.3 Uttarakhand 83.3
Kerala 93.6 West bengal 75.3
• Source: All public sector banks, sponsored RRBs, payment banks & 16 private sector banks.
• Data till 02nd Feb 2018