1. National Automated Clearing House

2. NPCI Promoters

3. NPCI Products

4. NACH Journey
December 2011
Aadhaar Payment Bridge (APB) System Launched on a Pilot Basis
December 2012
National Automated Clearing House (NACH) System Launched
April 2013
Aadhaar Payment Bridge (APB) System Migrated to NACH Platform

5. NACH - One Stop Solution for Payments and Collections
NACH Payment Service
NACH - One Stop Solution for Payments and Collections
Saves Time, Effort, Cost and Manual Intervention
Apt payment solution for Corporates, Utility Companies and Govt. Departments
Facilitates Subsidy Payments using APBS
Facilitates Payments & Collections using NACH Credit & Debit

6. NACH Products APBS NACH Credit (156) NACH Debit (156) NACH Debit (306)

7. Aadhaar Payment Bridge (APB) System
Aadhaar acts as the financial address of the person
Payment system based on Aadhaar number and IIN
Used for payment of subsidies/government benefits to beneficiaries

8. APB – Use Cases LPG Subsidy (DBTL) NREGA Payments Old Age Pension
Student Scholarships
30+ Welfare Schemes of Central & State Govt.
Salary Payments 8 8

9. DBT and DBTL
Scheme re-launched on 15 November, 2014 and expanded pan India from 01 January 2015.
Subsidy transferred through APB and ACH Credit.
Account Validation process (OMC to bank & Bank to OMC) introduced.
More than 15 crore Aadhaar in NPCI mapper.
New mapper file format with OD flag introduced. 9 9

10. APB Transaction Process Flow
NPCI Mapper
Sponsor Bank
Destination Bank
Transaction
Initiation
Settlement File
Funds Credited
Intimation sent to Beneficiary
Presentation Settlement File
Return Settlement File
Govt. Department
Settlement Bank (RBI)
Beneficiary
Transaction Origination
Transaction Response

11. NACH Member Banks

12. NACH Transaction Statistics

13. NACH System – Major Highlights
500+ Participating Banks
More than 15 crore Aadhaar numbers in NPCI mapper
More than 24 crore transactions processed in FY

14. Thank You !!!