INTRODUCTION TO DIRECT
BENEFIT TRANSFER
Terminologies
DBT: The Direct Benefits Transfer (DBT) programme envisages a switch from the
present electronic transfer to bank accounts of the beneficiary to transfer of
benefits directly to Aadhaar seeded bank accounts of the beneficiaries.
Aadhaar Payments Bridge (APB) – Aadhaar Payments Bridge (APB) is a system
that facilitates seamless transfer of all welfare scheme payments to beneficiary
residents’ Aadhaar Enabled Bank Account (AEBA)
Micro-ATM – A standard handheld device for BC-based transactions
capable of using UIDAI’s authentication system
Aadhaar Enabled Payments System (AEPS) – System that leverages Aadhaar
online authentication and enables Aadhaar Enabled Bank Accounts (AEBA) to be
operated in anytime-anywhere banking mode through MicroATMs
Interoperability Beneficiary can withdraw from BC/CSP of any bank
Direct Benefit Transfer
1. Enroll for Aadhaar
2. Provide Aadhaar to agencies/bank
1111 2222 3333
Link Aadhaar
Aadhaar Enabled Bank Accounts (AEBA)
Aadhaar Enabled Payment System (AEPS)
Aadhaar Payment Bridge
(APB)
1. Digitize data
2. Link Aadhaar
1. Open / link AEBA
2. Appoint BCs and roll out AEPS
APB Process Flow
Preparatory/One-Time Steps
• Government Departments: Digitize
Beneficiary database and Seed Aadhaar
numbers. This will clean up databases and
make departments ready to use APB
• Banks: Open bank accounts or link existing
accounts with Aadhaar number. Populate
NPCI’s mapper (Aadhaar No – Bank ID)
• NPCI: Maintain the Mapper (for enabling
inter-bank transactions)
Aadhaar Enabled Direct Benefit Transfer
Government
Departments /
User Agency
Ensure digitized/electronic
database of beneficiaries
Banks
Central Mapper /
NPCI
Resident
Open/Link Aadhaar
Enabled Bank Account
(AEBA) with any bank of
choice
All Banks communicate
Aadhaar no of all AEBA to
Central Mapper
Maintain an updated
Central Mapper and
Aadhaar Payment Bridge
(APB)
Seed Aadhaar to clean up
databases and act as
financial address
Generate payment advise
file – Aadhaar no &
amount to be transferred
Electronically share file
with the Sponsor bank of
Department
Sponsor Bank posts
payment advise file to
Central Mapper for all OFFUS transactions
Receive confirmation from
Sponsor bank on transfer
status / further action
Sponsor Bank updates
Department and takes
corrective action, if any
Facilitate transfer/
settlement across banks
Use Aadhaar
authentication (AEPS) or
other channels to
withdraw money
Legends:
Update Sponsor Bank of
status & failures, if any
One-time activities
Recurring activities
Advantages of APB to Departments
•
•
•
•
•
•
Removes fakes/ duplicates from the beneficiaries list leading to
savings
Eases the entire process for transferring benefits as the Govt. just
needs to know the Aadhaar numbers of the beneficiaries without
seeding bank account details in every scheme database
Ensures Scalability as each scheme does not require to populate
their database with bank account details. APB is a platform
Bank account changes do not affect the transfer systems for various
schemes
Resident-centric view of payments under various schemes. This will
enable weeding out those people who may be availing LPG as well
as Kerosene subsidy and benefits of multiple schemes.
Digital audit trail & Transparency
Advantage of APB to Beneficiaries
•
No need to open multiple accounts. Just open
one and link it to Aadhaar.
•
Residents more comfortable in disclosing only
the Aadhaar number to Govt. Agencies ( e.g.
LPG Dealers) rather than bank account details
•
In case of change in bank account, resident
does not need to convey account details or
change in bank details to each department
that he deals with
Prerequisites for implementation
of APB
• Sponsor Bank sign-up with NPCI as APB
• User Dept forwards the application for participation in APB to
NPCI through their Sponsor Bank ( Registration form is signed
by both User Dept and Sponsor Bank)
• Finalize Scheme Reference number so that it fits into APB file
format structure (Limit of 13 digits)
• Finalize APB file Format structure along with Sponsor Bank
• Beneficiaries must have Core Bank Account. All Banks must
ensure migration of accounts to CBS
End to End DBT Process Flow
Pension
Bank
Radha 111122223333
xxxcccc
----- -----
1111 2222 3333
MGNREGA
2. Aadhaar as KYC to open
bank account
Radha 111122223333
xxxxx
yyyyy
----- -----
Scholarship
Aadhaar Payment Bridge
3. Aadhaar as a payment address
1111 2222 3333
Radha 111122223333
xxxxx
----- -----
1. Aadhaar to
de-duplicate databases
5. End to end auditability and transparency
4. Withdraw from
any MicroATM at the
doorstep
End to End DBT in LPG
End to End DBT in LPG
DBT Transaction Summary (A.P.)
Month
Transactions (No.s)
Amount (Rs.)
Major Schemes
Successful
Failed
Total
Successful
Failed
Total
Jan,2013
1,012
0
1,012
2,84,493
0
2,84,493
MNREGA,SSP,JSY,NCLP
Feb, 2013
2271
43
2,314
10,85,916
43
10,85,959
NCLP
Mar, 2013
1490
0
1,490
6,80,867
0
6,80,867
NCLP, Minorities
Apr, 2013
1625
51
1,676
49,12,130
1,52,700
50,64,830
Post Metric -Minorities
May, 2013
4541
50
4,591
36,27,057
70,514
36,97,571
NCLP, Minorities, JSY,
NCLP
June, 2013
108
4
112
1,08,000
4,000
1,12,000
Post Metric -Minorities
July, 2013
265081
5343
270424
3,60,21,060
16,50,014
3,76,71,074
MNREGA& Pensions
Aug, 2013
267104
532
267636
1,21,92,848
2,54,513
1,24,47,361
MNREGA& Pensions, JSY,
NCLP
Total
5,43,232
6,023
5,49,255
5,89,12,371
21,31,784
6,10,44,155
AEPS -Terminology
Issuer Identification Number : The IIN will be a six digit number which
will be allotted to a bank upon an application to NPCI from the Bank
seeking IIN for AEPS
On-US Transaction: An intrabank (On-us) transaction is one where an
Aadhaar initiated transaction has effects only in accounts within one
and the same Bank and does not necessitate an interbank settlement
Off-US Transaction: An interbank (Off-us) transaction is one where there is
movement of funds from one Bank to another necessitating an interbank
settlement.
Issuer Bank: Beneficiary’s Bank
Acquirer Bank: BC’s Bank
AEPS
The key steps in doing transactions via AEPS are:
• Resident provides his/her Aadhaar number, details of financial
transaction sought and fingerprint impression at the microATM
device.
•
Digitally signed and encrypted data packets are transferred via Bank
Switch to NPCI to UIDAI.
•
UIDAI processes the authentication request and communicates the
outcome in form of Yes/No.
•
If the authentication response is yes, bank carries out the required
core bank authorization process and advises MicroATM on suitable
next steps.
AEPS Transactions
The four Aadhaar enabled basic types of banking
transactions are as follows:• Cash Withdrawal
• Cash Deposit
• Aadhaar to Aadhaar Funds Transfer
• Balance Enquiry
Convenient Cash Withdrawal
Through AEPS
Beneficiary approaches a BC of any Bank
with her Aadhaar number
BC feeds the Aadhaar number, fingerprints
and amount in the micro-ATM
Aadhaar server authenticates the ID of
the resident.
After successful Aadhaar authentication,
beneficiary can carry out the transaction
Convenient cash withdrawal
Authentication
Resident - Ram
UID 2563 8564 4663
8. Info- IVRS/ SMS
6. Debit
4. Authenticate
and execute
Ram’s bank a/c
NPCI switch
1. Withdrawal request
9. Cash
7. Credit
3.NPCI request
TransferMoney
From UID 2653 8564 4663
To UID 7233 5968 3094
Amount 300
2. Money transfer instruction +
biometrics
BC’s bank a/c
19
BC (Kirana, SHG, PO etc))
With Micro-ATM
UID: 7233 5968 3094
Benefits of AEPS
• Beneficiary can receive money at doorstep
• Interoperable system ensures that customer is not
tied to one bank’s BC
• No need for banks to separately capture biometrics
and develop their own biometric and deduplication systems
• AEPS is not a substitute for Authentication as
beneficiary can withdraw money from any mode
Prerequisites for AEPS
•
Beneficiaries must be enrolled for UID and in receipt of UID
•
Beneficiary must have an Aadhaar enabled bank account
•
User (Welfare) Dept must seed its database with UID
•
Beneficiary’s bank account database must be seeded with UID
•
Ensuring STQC certification/UIDAI Compliant of present MicroATM Devices
•
Organizing BFD Camps for beneficiaries to identify Best finger for
authentication
•
Train CSP/BC to operate MicroATMs
•
Conduct test file transfer to selected sample of beneficiaries i.e. transfer of
funds from User Dept to actual beneficiary through APB (Aadhaar Payment
Bridge System).
•
Conduct test of Balance Enquiry for selected sample of beneficiaries to check
End to End connectivity i.e. Connectivity between MicroATM, Bank Switch &
UIDAI needs to be verified.
AEPS Checklist
•
Banks need to sign the Authentication User Agency (AUA) agreement with UIDAI. Upon
signing they shall be given the AUA code and license keys.
•
Banks need to have a Financial Inclusion switch/ server or integrate the FI server with their
ATM switch in such a way that all AEPS transactions are real time and in the messaging
format specified in our Interface specifications
•
Banks must ensure that all their Financial Inclusion Accounts in CBS (to enable multiple
channel access Mobile, ATM & MicroATM managed by BCs)
•
Banks need to have Identify a distinct field in CBS for Aadhaar number seeding
(alternatively mapping to be kept outside CBS for account resolution)
•
MicroATM Certification by STQChttp://www.stqc.gov.in/sites/upload_files/stqc/files/POS-Device-Certification-ver-0.6.pdf.
•
Please refer to http://www.npci.org.in/documents/AEPS_On_Boarding.pdf
AEPS Transaction Summary
AEPS
Transactions
East Godavari
92,665
Kadapa
32,432
ICICI
Bank
Hyderabad
75,559
Karimnagar
9,000
Chittoor
94,487
Axis Bank Anantapur
50,845
Ranga Reddy
5169
Chittoor
1352093
East Godavari
194844
Dept of
Guntur
112223
Post
Srikakulam
32422
Adilabad
52462
AUA
Total
District
21,04,201
Amt Disbursed (Rs.)
76,98,660
84,88,900
2,25,60,600
21,81,000
2,45,94,883
1,32,39,327
14,48,000
751786669
84722686
45924976
8939500
14947800
98,65,33,001
MGNREGS Payment (4/8)
MGNREGS Payment (6/8)
THANK YOU