Financial Services
XX
Indian MSMEs and the blooming middle class in T2/T3 cities present a
unique opportunity to cater to the financial needs of a massively underserved
segment
Growth and opportunity of Indian MSME Credit market (B2B)
Indian MSME has witnessed robust growth and associated financing needs are also
rapidly growing….
Growing affluent population and blooming T2/T3 cities of India (B2C)
Transformation from a bottom-of the-pyramid economy to a mass affluent
No of
HH’s, Mn
USD
#of MSME as of FY22
63.4 million MSMEs, contributes30% to India’s GDP
2%
5.9
7%
25.2
10,000 – 35,000
24%
70.8
46%
165.8
Less than 15% of the demand being catered by formal sources
5,000 – 10,000
36%
106.1
122.6
MSME disbursements have grown 2x over the last 2 years,
majority of the growth has happened on account of
increased penetration in Tier 3/4 cities
0 – 5,000
38%
112.1
34%
13
%
2031F
The MSME sector has a total credit demand ofINR 69.3
trillion, growing at a CAGR of 11.5%
63.4 m
Urban
Rural
Above 35,000
2021
MSME credit gap as of FY22 - $tn
Consumer expenditure by city types (% total)
Megacities
7.0%
India vs Globe
MSME contributes 30% of
total GDP
2005
Gap
46.9
Consumer spending and demands are shifting from traditional centers
….however there are some gaps between demand and supply sides as still sector
remains underserved
Demand
No of HH’s,
Mn
Addressable
Demand
Global average: MSME
contributes ~50% of total GDP
2018
2018–2030 CAGR
14.0%
Booming cities
13.7%
Rest of urban
11.4%
Developed rural
15.0%
Other rural
10.6%
2030F
• Rural per capita consumption will grow faster than urban areas (4.3X vs 3.5X respectively,
by 2030
• Developed rural towns will have 240Mn consumers by 2030 and will offer
a ~1.2Tn opportunity
© ONDC
Source: BLinC Invest MSME Lending Report 2022; MSME Annual report, World Economic Forum 2018, Morgan Stanley Research, World bank, Oliver Wyman analysis
2
A few dominant distributors and manual processes have resulted in
uncompetitive terms for smaller sellers which has resulted in reduced choice
for buyers
Factors holding back participation in digital commerce
Discoverability of sellers
Discoverability of sellers is based on margins as well as based on the money spent on advertisements – hence, it becomes difficult for small
firms to be discovered by buyers
Current commission structure
Exorbitant commission demanded by online marketplace makes it difficult for small sellers to compete and tap into
digital marketplaces
Limited choice for sellers
Oligopoly in digital commerce reduces negotiating power of sellers
High cost of product delivery excludes buyers at the lower end of the economic pyramid
Manual processed leads to high cost of delivery and hence makes sachet products unviable to deliver. This drives financial
exclusion
High technology costs due to custom integrations
Customer integration requirements between businesses leads to high technology cost and increased time to market
© ONDC
In the context of financial services Sellers refer to Banks, NBFCs, AMCs, Insurers
3
ONDC has built low cost digital infrastructure that creates a level playing
field for sellers and provides more choice to buyers
Open network for digital commerce–Construct
Buyer
Buyer
Buyer
Application
Key highlights
Unified experience , single platform
for all domains, wider options for
price and delivery
Buyer
Application
Buyer finder
fee
Buyer
Application
ONDC Protocols
ONDC Protocols
• ONDC is a private non-profit company established by the Government of India to
develop open e-commerce and create new opportunities, avoid digital monopolies
and support MSMEs
• It is a network that enables location-aware, local digital commerce stores across
industries to be discovered and engaged by any network-enabled applications
• Key value proposition for the network participants:
– Buyer: Wider options for price and delivery, access to all sellers, single platform
to access all domains, unified experience
– Seller: High discoverability by the entire buyer pool, one-time single registration,
autonomy on rules
• ONDC is expected to fuel significant growth over the next 5 years to include:
ONDC Protocols
Rs. 3.75 lakh Cr additional GMV
ONDC Protocols
Seller
Application
Discoverable by entire buyer
universe, one-time single
registration , autonomy on rules &
terms, low cost access to value chain
© ONDC
730 Cr additional purchases enabled by the network
Seller
Application
Seller
Application
Seller
Seller
90 Cr buyers on the network
12 lakhs seller on the network
Cover 75% of pin codes across India
4
ONDC has received investment and support from a wide range of leading
institutions
© ONDC
5
Market players have started pilot programs on ONDC
Live on the network
In advanced stages
Buyer-side
• Food and groceries, fashion and electronics are the categories currently live on the
network
– Financial services, home and kitchen are the next in line
• Network is live in 181 cities for Alpha testing with 35 networks participants
– 6 buyer application ~ 50 MM potential buyers, 5 logistics application and 21
seller applications ~ 25,000 sellers
– 23 lakh+ SKUs
Seller-side
Quotes from leaders
ONDC will promote healthy competition and unlock digital
opportunities for MSMEs, small traders and business
Logistics side
– Shri Narendra Modi, Honourable Prime Minister
ONDC will democratise digital commerce & move it from
platform ‑centric to an open-network model
– Shri Piyush Goyal, Honourable union minister,
Ministry of Commerce & Industry
© ONDC
6
Case
Example
Manual processes and non-standard API integrations have restricted access
to markets
Challenges preventing financial institutions from accessing untapped markets
Manual processes drives up customer
acquisition costs
Lack of high provenance third party
data to serve the right product to the right
customer
High customer servicing costs
A completely digitized product and service delivery is the only way to deliver financial products at scale
© ONDC
7
Enabling financial products on ONDC will result in financial inclusion for
the underserved and surface new products and more choice for buyers
Value proposition and a few use cases for financial institutions
Cost
Reduction
Reduction in operational
costs
Use of public digital infrastructure (Aadhar, UPI, Account Aggregator) helps deliver sachet sized financial products to
previously unreachable customers in an economically viable fashion
Protocol standardization
resulting in easier
integration
API standardization reduces custom integration costs
Streamlined customer
acquisition costs
Access to large pools of customers reduces customer acquisition costs for seller
Access to a larger customer
pool unrestricted by
geography
Market
Expansion
Venturing into e-commerce
© ONDC
Demand and supply aggregation by the creation of a digital network creates access to large pools of customers for sellers and
wide choice for buyers
New uses cases created with the support of ONDC that will unlock new markets e.g. sachet cash flow credit and investments,
sachet insurance products
Financial institutions have opportunities to develop buyer app and venture into e-commerce for the sale of
products in other domains like groceries
8
Account aggregator adoption has already led to significant improvement in
operational efficiency and fraud reduction in lending
35-45% 7-10%
Before AA
After AA
Income verification
INR 100 INR 440
After AA
Before AA
Cost of loan processing
27%
After AA
Lift in revenue
© ONDC
55%
After AA
Credit limit improvement
0
After AA
Fraud rates
4-5%
After AA
Bottom Line uplift
8%
After AA
Conversion improvement
38%
After AA
Operational efficiency
25%
After AA
Increase in multi-bank
discovery
66%
After AA
Fraud cost reduction
0
After AA
Fraud rates
5%
After AA
Increase in customer base
9
ONDC plans to launch pilots in credit, insurance, payments and investments
INSURANCE
CREDIT
INVESTMENTS
ADDITIONAL PRODUCTS
Individuals: Unsecured Personal Loans
Motor Insurance
Liquid Funds
Gift Cards
Sole Proprietors: GST data powered MSME
Seller Financing
Health Insurance
Equity Index Funds
Liability Accounts
Marine Insurance
Real time reporting of credit data for participating lenders has been agreed to with credit bureaus
Credit guarantee from CGTMSE and philanthropic organizations will be enabled for certain use cases
Additional use cases will be deployed in consultation with market players once these have been deployed and scaled
© ONDC
10
Sample
customer flow
Customer flow for MSME GST based financing through ONDC Network
Customer
Borrower login to
buyer app
Buyer app
Seller app/seller
Buyer search
Search response
An MSME Seller seeking unsecured financing based on GST Invoice data, Bank Statement data (via AA) and Credit Bureau data
Any entity adhering to digital lending guidelines (Lending Service Provider (LSP) in this case)
RBI licensed lender adhering to digital lending guidelines
Buyer app collects preliminary information from the buyer (Name, PAN, Udyam etc.), and GST information via a GSP, to enable curated search.
Buyer app forwards the search request to Seller apps via ONDC gateway
Sellers use information received from buyer (GST & PII), AA (bank statement data) and a credit bureau to generate final quotes. Sellers provide final quotes along with the Key
Fact Statement and other critical information to the buyer on the buyer app via ONDC gateway
Product selection and
KYC
Buyer selects product based on final quotes from seller. Seller pushes KYC status to buyer via buyer app and additionally sends KYC completion link in case KYC is not
completed. Seller app requests buyer to provide disbursement account information. This information is collected on the buyer app
Order confirmation
& transaction closes
Seller pushes information regarding E-Nach/ E-Mandate set up to the buyer via the buyer app. This is followed by Agreement-signing and E-Stamping (optional). Seller makes
disbursement into borrower’s account within a limited time period and shares the loan document with the buyer via email/ link on the buyer app.
Post disbursement
© ONDC
Buyer app enables a post disbursement flow incorporating loan status, loan schedule, payment due date and pre-payment options
11
Sample
customer flow
Customer flow for Unsecured Personal Loans through ONDC Network
Customer
Buyer login to buyer
app
Buyer app
Seller app/seller
Buyer search
Search response
A buyer seeking an unsecured personal loan based on Bank Statement data (via AA) and Credit Bureau data
Any entity adhering to digital lending guidelines (Lending Service Provider (LSP) in this case)
Lender (underwriter) adhering to digital lending guidelines
Buyer app collects preliminary information from the buyer (Name, PAN, etc) to enable curated search.
Buyer app forwards the search request to Seller apps via ONDC gateway
Sellers use information received from buyer (PII), AA (bank statement data) and a credit bureau to generate final quotes. Sellers provide final quotes along with the Key Fact
Statement and other critical information to the buyer on the buyer app via ONDC gateway
Product selection and
KYC
Buyer selects product based on final quotes from seller. Seller pushes KYC status to buyer via buyer app and additionally sends KYC completion link in case KYC is not
completed. Seller app requests buyer to provide disbursement account information. This information is collected on the buyer app
Order confirmation
& transaction closes
Seller pushes information regarding E-Nach/ E-Mandate set up to the buyer via the buyer app. This is followed by Agreement-signing and E-Stamping (optional). Seller makes
disbursement into buyer’s account within a limited time period and shares the loan document with the buyer via email/ link on the buyer app.
Post disbursement
© ONDC
Buyer app enables a post disbursement flow incorporating loan status, loan schedule, payment due date and pre-payment options
12
Sample
customer flow
Customer flow for General Insurance purchase through ONDC Network
Customer
Buyer login to buyer
app
Buyer app
Seller app/seller
Buyer search
Search response
Buyer looking to purchase insurance as a base product
IRDAI registered broker, Web aggregator or Corporate agent
Seller app will be of IRDAI registered Insurers (OEMs)
Buyer app collects product specific information to enable curated search . This information is broadcasted via the ONDC gateway to the seller applications
Only insurers that have agreement/partnership with buyer app will respond to search. Search response will include final quotes/ premiums
Product Selection and
Information Sharing
Buyer selects product from the results from the insurers that have responded to the search query
Order confirmation
& transaction closes
Seller application will forward payment gateway link to buyer app. Buyer makes payment on the PG link of seller that is rendered on the buyer app. Seller receives payment and
confirms the status to buyer app. Seller will share the digital document with buyer via link through buyer app as well as on registered mail address
© ONDC
13
Sample
customer flow
Customer flow for Mutual Fund purchase through ONDC Network
Customer
Borrower login to
buyer app
Buyer app
Seller app/seller
Buyer search
Search response
Buyer looking to purchase mutual funds as a product
AMFI certified distributor/SEBI Registered Investor Advisor
Seller app will be of SEBI regulated mutual fund through MFU
Buyer app broadcasts intent to purchase via the ONDC gateway to the seller applications
Only mutuals funds that have an agreement with the distributor will respond to the search. Search response with product information (liquid funds and index funds)
Product selection and
KYC
Buyer selects product from the results from the mutual funds that have responded to the search query. Conducts KYC check .Onboarding details with Bank account information
is collected. Seller penny drops to verify bank account
Order confirmation
& transaction closes
Additional information with regards to Purchase and SIP is collected. Payment is collected from the buyer
Post purchase
© ONDC
Buyer app enables NAV /transaction update, additional investment and redemption flows
14
An institution can participate in 4 distinct roles
Buyer App
Seller App
• Front facing buyer application that has or
plans to build a user base e.g. IndiaLends,
Indiamart, a bank or NBFC
• The institution lists its product on the network
to make it available for buying apps to sell
• All prevailing regulatory norms will need to
be adhered to
• The sellers product will be embedded in the
buyer app
• The seller app will pay ONDC a network fee:
• The buyer app earns a fee on the sale of a
product
• Credit: 25 bps annualized per
converted loan
• All prevailing regulatory norms will need to
be adhered to
• Insurance: TBD
ONDC
• Investments: TBD
• Gift Cards: 10 bps of the value of the
gift card sold
Technology Service Provider (TSP)
Reconciliation Service Provider (RSP)
• A TSP can create a white labelled solution
that complies with ONDCs’ buyer app and/or
seller app requirements
• An FI can build an RSP that adheres to the
requirements laid down by ONDC and enable
payment settlements between a buyer app and
a seller app where applicable
• The white labelled application can be used by
prospective buyers or sellers that want to join
the ONDC network
© ONDC
• The RSP will be entitled to obtain a fee to
provide this service
15
Thank you!
Reach Us:
E-mail: hrushi@ondc.org
Mobile: +919821619589
How does one start participating in ONDC?
The following steps comprise a Network Participants Journey on ONDC. This is indicative and will be tweaked as
necessary for the Financial Services domain:
1
2
3
4
Introduction to
ONDC
Role Selection
Network
Participant
Profile Form
5
Implementation
Implementation
Planning
A. Technology Development
B. Policy Implementation
C. Operational Readiness
D. Community Engagement
10
9
8
7
6
Go - Live on
Production
Final Checklist
Verification
Testing on
Pre-Production
Verification &
Certification
Testing on
Staging
Onboarding
Staging
Pre-Production
Production
17
Onboarding
18
Step1: Introduction to ONDC | What is ONDC and how does it work?
Your ONDC journey begins with the following briefings and resources:
Business Briefing Call
In this call the team will:
1.
Walk you through the basics
of ONDC
2.
Provide a value proposition
for entities
3.
Call Details:
Tuesday 3:00 - 4:00 PM Meeting
link
Technology Briefing Call
Provide you with an overview of:
1.
APIs for Integration
2.
Resources available for
Integration on Github and
Swaggerhub
3.
Call Details:
Friday 11:00 – 12:00 PM
Meeting link
Introductory Resources
1.
2.
3.
4.
ONDC Strategy Paper
Website
ONDC Business Briefing
Presentation
ONDC Technical Briefing
Presentation
Once you have attended the briefing calls please fill the NP Profile Form
An accurate understanding of ONDC is essential in helping you pick your role in the network
19
Step 2: Role Selection | What role will your organisation play on ONDC?
An entity can play various roles on ONDC, the primary roles* are:
Seller Node
Buyer Node
1. Marketplace Seller Node Any entity that enables third party
merchants / service providers to sell
their products on the ONDC
Network
2. Inventory Seller Node – Any
entity that will act as a “seller on
record” on ONDC selling from their
own inventory
Buyer Node - Any entity that
enables any buyer to search for and
buy products or services on the
ONDC network
Technology Service Provider
Any entity that enables either a
seller node or a buyer node on
ONDC by providing a software
application (either stand alone or
through cloud)
Network Participants includes Seller side and Buyer side nodes, TSPs are not Network Participants.
You can use the following documents to help you determine your role on the network:
Network Participant
Agreement
Regulatory Requirements
for NPs
*Note – We recommend that you review the Network Agreement for legal definitions of these roles.
Taxation Obligations for
NPs
20
Domains | What are Domains and how do they differ from categories?
To understand ONDC and how it expands, it is important to distinguish between Domains and Categories on the
Network
Domains
●
●
●
At ONDC, Domains can be distinguished by the
way products/services are bought and sold (Ex.
Retail, Logistics, Financial Services, Mobility
& Travel etc.)
Domain switch/ change usually merits a
protocol modification whereas new category
introduction in a domain doesn't
An entity can play the role of a Buyer node or
Seller node or both in each domain. (Ex. A
Seller node in the Retail domain can act as a
Buyer node in the Logistics domain
Categories
●
Category constitutes products that have similar
market or usage characteristics. Some examples
are:
Retail domain (Categories: Grocery, F&B,
Consumer Electronics. etc)
Financial Services domain (Categories:
Banking, Insurance, etc)
21
Step 3: Fill the Network Participant Profile Form
Once your team has been through briefing calls and decided on a role/roles to play on ONDC, they must fill the NP
Profile Form (as mentioned in Step 1):
NP Profile Form
The NP Profile Form is crucial in helping ONDC Team understand your business profile and support you on
the next steps accordingly
Once you’ve filled the NP Profile form we will add your SPOCs to ONDC Slack Community
22
Step 4: Implementation Planning | We’ve filled the NP Form, what next?
Once your organization has completed the NP Profile Form, you can initiate Implementation. Here are the relevant
resources:
Implementation Plan Briefing Call
Implementation Plan Briefing Deck
Monday 3:00 - 4:00 PM, Meeting Link
Implementation Plan – Retail & Logistics
The ONDC Implementation Plan provides the steps for integrating with ONDC. It will act as
your primary guide document through the integration journey
Participants should:
1.
Make a copy of this document and create a customized plan for your organization
2.
Share the plan with team@ondc.org so that our teams can follow real time updates
23
Implementation
24
Step 5: Implementation | An Overview
Once your team has completed the onboarding steps including Introductory calls and implementation briefing, they
can initiate implementation. This includes:
Phase 1: Development
Technology
Development
Policy
Compliance
Operational Readiness
Phase 2: Testing & Operationalization
The following environments have been provisioned for testing and operationalization:
1.
Staging (Sandbox Environment)
2.
Pre-Production
3.
Production
25
Technology
Development
26
Step 5A: Technology Development | What are the APIs for integration and where do I find them?
Here is an overview of the APIs that need to be build to be compliant to the ONDC protocol:
Discovery
Search
On_Search
Order
Select
On_Select
Init
Confirm
Post
fulfillment
Fulfillment
Update
Cancel
On_Init On_Confirm On_Update On_Cancel
Status
On_Status
Track
On_Track
Support
On_Support
Rating
On_Rating
You can find all tech resources related to integration and development in the following documents:
Tech Quick-start Guide
Recordings of Community
Calls with Tech Discussions
Protocol Specification
You can test your application with other participants on ONDC Staging environment, refer to Staging Section
for more information
Credits for API Figure: Beckn
27
Step 5A: Technology Development | What is the minimum viable product for a successful ONDC
Integration?
Participants will be required to build for a Minimum Viable Product (MVP) during their integration journey. The
MVP documents for Retail and Logistics domains are provided below:
Retail MVP
Logistics MVP
Further, find the following:
Recordings of Community Calls with MVP Discussion
MVP Use Cases Checklist - provides use cases for testing for the MVP
28
Step 5A: Technology Development | Key Technology Resources available for NPs
Retail Transaction
Contracts
Order state & fulfillment
state
Logistics Transaction
Contracts
Error Handling & ONDC
error codes
Process flow for Order
Cancellation, returns &
replacements
Signing & verification
utility
Process flow for Issue
Reporting
Compliance
29
Policy Implementation
30
Step 5B: Policy Implementation | What is the ONDC Policy Framework?
ONDC Network Policy defines the framework for governance of ONDC and Network Participants> Prior to
reading the Network Policy Documents, we recommend you go over the following:
Introduction to ONDC Network Policies
ONDC Network Policies includes the following:
Chapter 1: Onboarding, compliance requirements and
certification requirements
Chapter 6: Issue and Grievance Management Policy
Chapter 2: Business Rules
Chapter 7: Network Data Governance Policy
Chapter 3: Commercial Model
Chapter 8: Network Technology Governance
Chapter 4: Code of Conduct and Ethics
Chapter 9: Termination and Suspension Policy
Chapter 5: Branding Guidelines
Annexure A: Governance structure for Network
Policies
31
Step 5B: Policy Implementation |
How do I sign the Network Agreement?
To integrate with ONDC an NP must sign the Network Agreement. The Agreement is provided below:
Refer to the following documents for instructions on how to sign the Network Agreement:
How to acquire a DSC?
Assenting to Network Agreement will indicate agreement to all Network Policy Documents under ONDC
Network Policy.
Policy Compliance is necessary for going live on the network.
32
Operational Readiness
33
Step 5C: Go-Live Planning | Who and what do you want to enable on ONDC?
As you begin your implementation, you need to decide what part of your e-commerce universe you want to enable
on ONDC?
We will require the following details from you:
1.
No. of Sellers/Buyers your team will bring to ONDC
2.
Category of goods your team will enable
3.
Cities where you will be operational
4.
Pin-codes for Go-Live (If you are a logistics firm)
5.
Planned dates for milestones
We request you to share this information with us on the Implementation
Plan itself as it helps us plan for expansion of ONDC.
Note - Not all these fields may be applicable to you
YOUR
E-COMMERCE
UNIVERSE
GO-LIVE:
What you
bring to
ONDC for
testing
34
Step 5C: Operational Readiness | How to enable ONDC transactions on ground?
Simultaneously, your teams must also work on operational preparedness required for ONDC Integration:
Customer Support Implementation (GRM)
MVP Use Cases for Testing
Reconciliation and Payment Settlement
Support to Delivery Agents
Process for Monitoring of KPIs & SLAs
Additionally, for seller applications
Sharing Seller Profiles with ONDC
Checking seller preparedness. Refer to this questionnaire we prepared for checking seller
readiness
Refer to the Operational Readiness Checklist for a detailed view on operational preparedness
35
Community Engagement
36
Implementation Resources | Community Engagement
ONDC Team uses the following channels to communicate with early stage participants:
ONDC Slack
•
•
•
•
You can download slack using this link
Network Participants can use Slack to interact
with one another and collaborate on integration
or testing
Slack acts like a repository of all queries and
questions that have been raised by various NPs
in the past
The SPOCs mentioned in the NP Profile form
will be added to the Slack channel by the
ONDC Team
Community Calls
•
•
•
Community Calls are organised to provide
Network Participants an opportunity to
interact with the ONDC Team
The recordings and presentations from
previous calls can be found on this document
Community Calls provide a great forum to get
your queries answered
Call Details – Tuesday 4.30 - 5.30 PM,
Meeting Link
37
Staging
38
Step 6: Testing on Staging | What are the steps for entry to Staging Environment?
Now that you have the resources for Implementation, your team is ready to start building and testing.
What is Staging?
ONDC Team has created a sandbox environment where all early stage NPs can test end-to-end
transactions.
The process for entry to staging can be found in the following document:
Manual Entry to Staging
Form for Entry to Staging
An NP has to complete their technology development while on staging. This can be summarized as:
1.
2.
3.
Test end-to-end transaction flow based on the following checklists
You can use the following Buyer Reference Application for testing
Identify fellow early stage NPs on Slack for end to end testing by making a post
39
Pre-Production
40
Step 8: Testing on Pre-Production | How do we enter the Pre-Prod Environment?
After completion of technological development and tech compliance, you can move to Pre-Production Environment.
(Currently, an approval based on the demo is needed for entry to Pre-Prod)
What is Pre-Production?
Pre-Production is the environment where NPs test their development to receive certification to move to
ONDC Production Environment.
The process for entry to pre-production can be found in the following document:
Entry to Pre-Production
You can use the following for support on testing in Pre-Production (Please provide details for SPOCs in the sheet
provided):
Link for Buyer reference application
41
Step 8: Testing on Pre-Production | How does ONDC Team support NPs on Pre-Prod?
Once NPs are on Pre-Production, ONDC Team supports them in the following ways:
1.
Slack is the primary channel for communicating issues
2.
Issue logging and tracking is done through Jira
ONDC Tech team will share further details on issue resolution upon your entry to Pre-Production
42
Step 9: Final Checklist Verification | What steps does a NP have to execute on
Pre-Prod to Go-Live on Production Environment?
The following checklist provides the steps under technical, operational and regulatory compliance that must be
completed to qualify to move into Production environment. These are:
Final Compliance Checklist
Note:
•
An NP must meet all the requirements provided in the document and obtain a go-ahead from ONDC
Tech and Ops team for move to Production
•
In addition to the compliances captured in the checklist an NP may also be required to go through
functional testing with the ONDC team
•
The checklist provided above is evolving and ONDC may update the same as per any contingent
requirement in the future
43
Production
44
Step 10: Go-Live on Production | How do we enter the Production Environment?
Successfully surpassing the threshold for functional testing and complying with the final checklist on Pre-Prod will
enable an NP to move to Production environment
What is the Production environment ?
Production is the live environment where live transactions take place with transfer of goods and
services. Your team must have met the compliance requirements for moving to Production.
The process for entry to Production can be found in the following document:
Entry to Production
Probationary Period
Entry to Production
All Network Participants moving to Production will be on probation for a period of 2 weeks. Only
upon fulfillment of threshold for successful transactions completed will the move to Production be
made official or else participants will be moved back to Pre-production where ample support will be
provided to ensure their success on Production.
45
Step 10: Go-Live on Production | What is the probationary period on ONDC?
Probationary Period
All Network Participants moving to Production will be on probation for a period of 2 weeks
maximum. Only upon clearing validation for Ops processes will the move to Production be made
official.
If the thresholds are not met, participants will be moved back to Pre-production where ample
support will be provided to ensure their success on Production.
This is to ensure that the sanctity of the Production environment is maintained.
Detailed on moving from Pre-Production to
Production
46
Annexure 1
47
List of Documents (1)
No.
Name of Document
1
ONDC Website
2
ONDC Strategy Paper
3
ONDC Business Briefing Presentation
4
ONDC Technical Briefing Presentation
5
Network Participant Agreement
6
Regulatory Requirements for NPs
7
Taxation Obligations for NPs
8
Implementation Briefing Presentation
48
List of Documents (2)
No.
Name of Document
9
Tech Quick-start Guide
10
Recordings of Community Calls with Tech Discussions
11
Protocol Specification
12
Retail MVP
13
Logistics MVP
14
Recordings of Community Calls with MVP Discussion
15
Retail Transaction Contracts
16
Logistics Transaction Contracts
49
List of Documents (3)
No.
Name of Document
17
Process flow for Order Cancellation, returns & replacements
18
Process flow for Issue Reporting
19
Order state & fulfillment state
20
Error Handling & ONDC error codes
21
Signing & verification utility
22
Compliance
23
Introduction to ONDC Network Policies
24
ONDC Network Policies
50
List of Documents (4)
No.
Name of Document
25
Network Participant Agreement
26
NP Agreement FAQs
27
How to acquire a DSC?
28
Operational Readiness Checklist
29
Manual Entry to Staging
30
MVP Use Cases Checklist
31
Technical Compliance Checklist
32
Entry to Pre-Production
33
Detailed on moving from Pre-Production to Production
51