Transaction Banking Unit

e-SOLUTION Offerings to State Governments

and their Departments
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 OPPORTUNITIES - State Govt. Departments (State Level)
Requirements
Sl. No. Departments
Collection Payments
1 State Road Transport Corporation Y Y
2 State Board of Technical Education Y Y
3 State Electricity Board Y Y
4 State Mining Corporation Y Y
5 Agriculture Department Y
6 State Food & Civil Supplies Y
7 Police Head Quarters Y
8 Social welfare Department Y
9 Tourism Development Corporation Y Y
10 State Science & Information Technology Department Y Y
11 Employment and Self Employment Y
12 Food and Drug Administration Y
13 Education and Research Y
14 Public Works Department Y Y
15 Industrial Development Corporation Y
16 Small Scale Industries Development Corporation Y
17 State Road Development Corporation Y
18 Khadi and Village Industries Board Y
19 National Rural Health Mission Y
20 Women and Child welfare Departments Y

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 OPPORTUNITIES - State Govt. Departments (State Level)
Requirements
Sl. No. Departments
Collection Payments
21 Minority Development Commission Y Y
22 Building & Infrastructure Development Department Y Y
23 Integrated Child Development Y
24 Minor Irrigation Y
25 State Finance Department Y
26 Public Health Engineering Y
27 Information and Public Relations Y
28 Tribal Development Programme Y
29 State Industrial Development Corporation Limited Y
30 Economic Development Corporation Y
31 State Public Service Commission Y Y
32 Pollution Control Board Y
33 State Human Rights Commission Y
34 Civil Defence & Home Guard Y
35 State Housing Board and State Finance commission Y Y
36 Urban Development Authority Y
37 Handicraft & Handloom Corporation Y Y
38 State Board of Secondary Education Y
39 Animal Husbandry Department Y Y
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 OPPORTUNITIES - State Govt. Departments (District Level)

Requirements
Sl. No. Departments
Collection Payments
1 Municipal Corporation Y Y
2 Water Supply and Sanitation Y Y
3 Rural Water Supply Y Y
4 Road Transport office Y Y
5 District Agriculture Office Y
6 Forests Department (Office of DFO) Y
7 Labour Commissioner Y
8 Panchayat and Rural Development Y
9 Public Health and Family Welfare Y
10 District Employment Exchange Y
11 Education and Research Y
12 Public Works Department Y
13 Region Development Authority Y
14 Commercial Taxes Y Y
15 Industrial Training Institute Y Y
16 Urban Development Authority Y
17 Registering & Licencing Authority Y Y
18 Agriculture Produce Market Committee Y Y
19 District Rural Development Agency Y
20 District Plaing & Development Council Y
7555755e-SOLUTIONS5 75
e-SOLUTIONS for PAYMENTS

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 State Govt. Departments (Our Solutions – Payments)

H2H
E-Payments File Sharing

NECS
Direct Credit CINB

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 TBU e-Payments : features
Electronic
Payments

Sharing Processing
Reconciliatio
of Data Security & Support
n
Reporting
Portal Hosted By Govt. Accounting &
Tracking of Centralized
1. Rajasthan 256 bit encryption Reporting remain and Dedicated
records
2. Mizoram Unchanged team

Portal Hosted By Bank VeriSign Certified Reimbursement of Enquiry based Separate Team
fund from RBI after for Different
1. Maharashtra making the
on various Projects.
2. Assam parameter
Maker- Checker Payments.
3. Manipur Concept
Centralized Multilingual
E-Scrolls & e-DMS and Dedicated Customer Care
4. Meghalaya team
5. Puducherry Provision of Digital
Pre-Funded Easy One Point
SFTP Certificate retrieval of Contact for
every Query
1. Jharkhand Provision of 2nd data
Customized MIS
2. Uttar Pradesh Factor Profiling of Easy
(Pipeline) Authentication payments Redressal of
Web Service Daily 4-5 Grievances
BCP / DRP
Gujarat Processing
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cycles
 E-Payments Solution for Govt. (Treasury Payments)
Portal / SFTP / Web
Service
Treasury wise
Fund
Settlement MIS
Treasury Officer A

FSLO
Scroll File.

Treasury Officer B Fund Settlement

E-payments File. RTGS / NEFT NECS DCR

Treasury Officer C
Beneficiaries

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 Comparison of RBI & SBI Solution (1/2)
Sl Issues SBI RBI
Government’s Customization available with us.
preparedness Various options for data sharing
viz., portal upload, site to site Customization not available. Single and
1. and e-Payment
Solution(s) integration, web services, SFTP uniform Solution.
services as per Government’s
preparedness.

No need to change existing Existing rules to be changed to

Treasury Rules. accommodate RBI process.

e-Payments are made without One Cyber Treasury for handling all e-
2. Treasury Rules
violating existing Treasury Rules. Payments.

All Treasuries will have separate Cyber Treasury will reconcile work with
identities. other treasuries.

Multi modes of funds transfer Multi modes of funds transfer not

available but SBI offers a available.
Multi Modes of
solution where physical (cash) RBI concept of one FPB one Treasury not
Fund Transfer
3. and e-Payment can co-exist with followed. Non Handling of physical (cash)
but Unified
unified scroll for both modes. It payments and Receipt. Treasuries need to
Scroll
can also be unified with receipt continue. with existing Agency Banks for
scroll. physical payments and receipts.

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 Comparison of RBI & SBI Solution (2/2)
Sl Issues SBI RBI
Not Available.
Robust Mechanism to handle returns
Instruments payable at par are sent to the Treasury Officers on RBI is crediting back the amount in
the day of return. Govt Account with RBI, which inflate
Status of the record is updated in the scroll as failed with DD the Receipts and Payments figure by
Handling of
4. number and date of issue. that amount (amount of returns).
Returns

DDs can be printed at any closest local Branch of SBI for early Cyber Treasury/Nodal Branch need to
delivery to beneficiaries. identify and reconcile these items.
No need to reinitiate the return transactions. Need to reinitiate the return
transactions compulsorily.

Authorization as defined in Treasury Rules. Not Available

Multi-level
5.
authorization Multi-level authorization of mandate for payment received Process the files without any
follows these rules. validation on mandate.

Real Time Tracking Not Available

6. Analytics
Database is created at SBI. Data mining available to track No such details are available with
pattern. End to end real time file movement tracking. them.

Real Time or E-Payments within two hours after mandates No real time payments
received. RBI processes the file once in a
TAT for
7. 4-5 payments cycle a day at interval of 2 hours. day.
payments
During month end we increase our payment cycles till late After payment cycle, files will be
hours for salary and pension payments. processed next day only.

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 E-Payments Solution for Govt. (other than Treasury Payments)

Pre-Funding
Uploader Authorizer

Current Account with SBI Govt. Paying Department

Government Department
Uploads & Downloads
Curren Failed
Authorize e- Reverse
t Transactio Scroll from
Payments files on
Accoun ns Credit CMP Portal /
CMP Portal / SFTP
t Debit Back SFTP

Direct Credit to
DCR
Processing of
Beneficiaries
Accounts
NEFT e-Payments
RTGS file.

NECS
Beneficiaries

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e-SOLUTIONS for COLLECTIONS

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 State Govt. Departments (Our Solutions – Collection)

Paper Based Collection

VAN
SB
MOPS Collect

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 SBIePay –Aggregator Services

Customer 1 SBI PG

Issuing Bank
Debit Pooling Account
Customer 2
SBI Internet Credit Nodal Account
Banking Debit Customer of SBIePay
Credit Pooling
Account at SBI
Govt.
/Merchant
Customer 3 website Debit Customer
SBIePay Credit Pooling
Account at
other Banks
Internet Other Banks Debit Nodal Account
Banking after receipt of
funds from Pooling
accounts

Customer 4

Debit Customer
Credit Pooling
Account at
Bank

Bank’s SBIePay
Mobile
Customer 5
Banking
platform
IMPS channel

Credit Dept. Bank A/c

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e-SOLUTIONS for COLLECTIONS

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 E – Pay Projects
Govt. Departments/agencies Line of activity
Sales Tax VAT Collection
Road Transport Department Vahan- vehicle registration, Sarthi- Driving Licence
Registration Dept. Registration & Stamp Duty
Traffic Police e-Challan- traffic violation
Universities/ Institutions Student Fees
Municipal Corporations/ Panchayat councils Property Tax, Water Tax
Area/ Housing Development Corporations Govt. dues, maintenance fees
Industrial Development Corporation/ Economic Zones Govt. dues, maintenance fees
Labour Department PF/ statutory contribution
Electricity Boards Consumer Charges
Public Service Commission/ Recruitment Agencies/ Exam Fees
Exam Boards
Medical / Nursing/ Dental/ Ayush/ BAR Council Membership Fees
Tourism Department Entry fees
Temples/ Charitable Trusts Donation
e-Tender/ e-Procurement Tender Fees/ EMD
State Govt. Market Places Sales proceeds
Port Trusts Port dues
Film Cities/ Studios Event fees/ entry fees
State Finance Corporations Repayment of Loan/ EMI
Transport operators Travel booking charges
State Excise Department Excise duty collection
Public Works Department Accommodation/ other dues
Agriculture/ Dairy Development Boards Sale Proceeds
Relief Funds/ Special Projects Donation
Conferences/ Fairs Membership Fees
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 Value Addition Over CINB
AREAS Value Additions
We are hosting separate portal for each Govt. to meet their
Specific Solution
requirements.
Highly Flexible based on latest Market Trends and needs of
Customization
Customers
Solutions within the payments framework to match the
Management of
requirements of Govt. Centralized management of failed
Failed Records
transactions without involvement of Treasury Linked Branches..
Support to Govt. /
Centralized and one-point contact for all issue resolution.
Grievance Redressal
Centralized and System based, eliminates dependency on Treasury
Payment Scrolls
Linked Branches.
Online MIS in desired formats and contents as required by Govt.
MIS Generation
Officials.
Services End to End Solution. Receipts and other services can be integrated.
Non-Electronic Capable of bulk printing of instruments. May also be customized
Payments for different Schemes.

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 Online-Receipt Solution for Govt. (Treasury & Other Receipts)
Govt. Treasury Portal
Remitter Selects
Online Payment
Mode of any
Bank

Real time
Payment Confirmation

Payment
Confirmation Receipt SBI MOPS / e-Pay
Remitters

Fund is pooled into a

Centralized Account with
Reverse Scroll /
MOPS
MIS to Govt.

MOPS / e-PAY
Non Treasury Receipt Credit will share MIS
Dept.‘s Current Account to CMPOC

Treasury wise FSLO

Fund Settlement Treasury wise MIS

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 Cash Receipt Solution for Govt. (Treasury & Other Receipts)
Govt. Treasury Portal

Remitter Selects the

Cash Payment Method

Real time
Cash Challan Generation

Cash Challan
Remitters Printout
Deposits SBI MOPS / e-Pay
Cash
Challan
At SBI
Branch
Reverse Scroll /
MIS to Govt. Portal
Fund is pooled in Centralized Account MOPS

MOPS / e-Pay
Non Treasury Receipt Credit will share MIS
to CMPOC
Dept.‘s Current Account

Treasury wise FSLO Treasury wise MIS

Fund Settlement

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 RTGS / NEFT Receipt Solution for Govt. (Treasury & Other Receipts)
Govt. Treasury Portal Remitter Selects the
RTGS / NEFT
Payment Method

Real time
RTGS / NEFT
Challan Generation

RTGS / NEFT
Remitters Challan
Printout SBI MOPS / e-Pay

Reverse Scroll /
MIS to Govt. Portal
Fund is pooled in Centralized Account
Bank A (RTGS / NEFT)
MOPS

MOPS / e-Pay
Non Treasury Receipt will share MIS
Bank B (RTGS / NEFT) Credit to CMPOC
Dept.‘s Current
Account

Bank C (RTGS / NEFT) Treasury wise FSLO Treasury wise MIS

Fund Settlement

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 RTGS / NEFT Receipt Solution for Govt. through VAN (Other Receipts)

2. Remitter walk into their respective banks and submit

their RTGS/NEFT request with allotted VAN.
7. Real Time Updating & Service Delivery

XYZ Bank
SBI CMP Centre, Hyderabad
1.
VA
&A N C 3. RTGS / NEFT Done to VAN
llo rea
tm tio
en n
t

5. R
with emitta
n
Hyd CMP C ce Da
tt. era ta
De
p bad entre, share
d
ovt.
G
to
S
e MI
Tim
al
Re
6.

ling account
re dit to c entral poo
4. C

Payments Support
Group(PSG)
Govt. Dept.

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Online-Receipt Solution for Govt. Through SB Collect (Where they don’t have a
Portal)
Govt. Treasury Portal
www.onlinesbi.co.in

Remitter
Selects State
and Department

SB Collect Portal SB Collect Portal

Remitters

Fund
Settlement XYZ SBI Branch

SBI MOPS

Department Online Fund Credit

Fund Credit
MIS / Scroll

Fund Settlement MIS

FSLO Dept.‘s Current Account

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 Door Step Cash / Cheque Pick Up

Client Gives Cash to Custodian

Cash is verified by Custodian

Late picked Cash is vaulted by Agency

Ca
sh

ay
ed
rea

m
sa Cash is packed by Custodian
ch

k
an
es

sb
he
b

ac
an

re
k

sh
ne

Ca
xt
w ork
ing
ayd

Credit to Treasury /
Agency reaches bank branch and Deposits the Cash in to clients account
Dept.
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 Receipt Solution for Govt. through PoS (Treasury & Other Receipts)

Remitters

Govt.
Departments
MIS

Pooling Account with MAB

Non Treasury Receipt
Dept.‘s Current Credit
Account
Fund
Settlement MIS
Data

Fund
Settlement

FSLO CMPOC

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 Mandate Based Receipt Solution for Govt.

Govt. Dept.

Off-Us On-Us
Rejected Mandates Mandates
Mandates

Rejected Sign
Mandate Mandates Verifie
Rejected Mandates CMPOC
Verification d
(Primary
/ Rejection
Registration Submit
by
Destination Successful)
Bank Mandates
Mandates
Verification
Verification

CMPOC
(Registration
Successful)

Monthly Mandate Credits to Govt. Account

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THANK YOU