भारतीय राष्ट्रीय भुगतान निगम
टेम्पलेट:Short description टेम्पलेट:Use Indian English
| चित्र:National Payments Corporation of India Logo.svg | |
प्रकार | Section 8 |
|---|---|
| इंडस्ट्री | Payments |
| स्थापित | 19 दिसंबर 2008 |
| मुख्यालय | Mumbai, Maharashtra, India[1] |
प्रमुख लोग | |
| प्रोडक्ट |
|
| मालिक | Reserve Bank of India, Ministry of Finance, Government of India |
कर्मचारी संख्या | 1001+ |
| सब्सिडरी | NIPL[5] |
| वेबसाइट | www |
National Payments Corporation of India (NPCI) is an Indian public sector company that operates retail payments and settlement systems in India. The organization is an initiative of the Reserve Bank of India (RBI) and the Indian Banks' Association (IBA) under the provisions of the Payment and Settlement Systems Act, 2007, for creating a robust payment and settlement infrastructure in India.[6][7]
Organisation
[संपादन करीं]Founded in December 2008, the NPCI is a not-for-profit organisation registered under Section 8 of the Companies Act 2013, established by the Reserve Bank of India and the Indian Banks' Association. The organisation is owned by a consortium of major banks,[8] and has been promoted by the country's central bank, the Reserve Bank of India. The NPCI was incorporated in December 2008 and the Certificate of Commencement of Business was issued in April 2009. The authorised capital has been pegged at ₹3 billion (US$42 मिलियन) and paid-up capital is ₹1 billion (US$14 मिलियन).
Initially, there were ten promoter banks viz. State Bank of India, Punjab National Bank, Canara Bank, Bank of Baroda, Union Bank of India, Bank of India, ICICI Bank, HDFC Bank, Citibank and HSBC. In 2016, the shareholding was diluted to include 13 additional public sector banks, 15 additional private sector banks, 1 additional foreign bank, 10 multi-state co-operative banks and 7 regional rural banks. The Board consists of Biswamohan Mahapatra as the Non Executive Chairman, Nominees from the Reserve Bank of India and Nominees from ten core promoter banks.[9] Dilip Asbe is the current managing director and chief executive officer of the NPCI after A. P. Hota, who retired from the post on 10 August 2017.[10]
NPCI International Payments Limited (NIPL)
[संपादन करीं]NPCI has created a separate subsidiary to take its product to the global market. The organization is getting offers from nations around Asia, Africa and the Middle East to improve their payment infrastructure. Internationalization of RuPay and Unified Payment Interface (UPI) are the primary focus of the NPCI International Payments Limited (NIPL).[11][12]
In 2021, Malaysian company Merchantrade Asia partnered with NIPL to send remittances to India through UPI infrastructure.[13]
To make it easier for UPI payments to be accepted in France, NPCI International Payments (NIPL) has teamed up with Lyra, a proximity payments and e-commerce firm based in France. Starting with the Eiffel Tower, the strategic partnership guarantees a smooth integration of the UPI payment method.[14]
NIPL and the Central Reserve Bank of Peru will collaborate to establish a quick payments infrastructure in the South American nation that is akin to UPI. A key component of this collaboration has been the Reserve Bank of India's backing. Through the agreement, the Central Reserve Bank of Peru is able to set up a fast and effective real-time payments infrastructure for the nation and individuals as well as businesses.[15]
NPCI Bharat BillPay Limited (NBBL)
[संपादन करीं]As from April 2024, NPCI created a new subsidiary for Bharat Bill Payment System (BBPS) to increase growth especially in business to consumer segment for small businesses. This is done in view of growing traffic and workload from UPI, IMPS, Aadhaar Enabled Payment System and National Electronic Toll Collections. NBBL is a public company registered in December 2020.[16][17]
Services
[संपादन करीं]The corporation's current and future service portfolio includes:
Aadhaar Enabled Payment System (AePS)
[संपादन करीं]A network of Micro ATMs using Aadhaar authentication. National Payments Corporation of India (NPCI) announced the transactions of Aadhaar Enabled Payment System (AePS) for the month of July 2019 have crossed the milestone number of 200 million. AePS is a bank-led model which allows basic interoperable banking transactions at PoS (MicroATM) through the Business correspondent of any bank by using Aadhaar authentication.[18] AePS had a transaction value of ₹22,350.88 crore and a volume of 8.396 crore in January 2024.[19]
Bharat Bill Payment System (BBPS)
[संपादन करीं]The Bharat Bill Payment System is a Reserve Bank of India (RBI) conceptualised system driven by the NPCI. It is a one-stop ecosystem for payment of all bills, providing an interoperable and accessible "Anytime Anywhere" bill payment service to all customers across India with certainty, reliability and safety. Bharat BillPay has multiple modes of payment and provides instant confirmation of payment via an SMS or receipt. It offers myriad bill collection categories like electricity, telecom, DTH, gas, water bills etc. through a single window. More categories may be added in the future, to include insurance premium, mutual funds, school fees, institution fees, credit cards, local taxes, invoice payments, etc. An effective mechanism for handling consumer complaints has also been put in place. Bharat BillPay transactions can be initiated through multiple payment channels like Internet, Internet Banking, Mobile, Mobile-Banking, POS (Point of Sale terminal), Mobile Wallets, MPOS (Mobile Point of Sale terminal), Kiosk, ATM, Bank Branch, Agents and Business Correspondents. Bharat BillPay supports multiple payment modes. This includes Cards (Credit, Debit and Prepaid), NEFT Internet Banking, UPI, Wallets, Aadhaar based Payments and Cash.[20]
BharatQR
[संपादन करीं]A common QR code developed by NPCI in collaboration with American Express, Mastercard and Visa for ease of payments and interoperability.[21]
BHIM
[संपादन करीं]BHIM is a mobile app to act as Client software for the Unified Payments Interface.[22]
BHIM Aadhaar Pay
[संपादन करीं]BHIM Aadhaar pay is an Aadhaar based payments interface which allows real time payments to Merchants using Aadhaar number of Customer & authenticating them through their biometrics.[23]
Cheque Truncation System (CTS)
[संपादन करीं]CTS is based on a cheque truncation or online image-based cheque clearing system where cheque images and magnetic ink character recognition (MICR) data are captured at the collecting bank branch and transmitted electronically.[24]
Digital Rupee
[संपादन करीं]The Digital Rupee (e₹) or eINR or E-Rupee is a tokenised digital version of the Indian Rupee, to be issued by the Reserve Bank of India (RBI) as a central bank digital currency (CBDC). The Digital Rupee was proposed in January 2017 and will be launched in the 2022-23 financial year. The plan is to incorporate distributed ledger into Digital Rupee.
Like banknotes it will be uniquely identifiable and regulated by Central Bank. Liability lies with RBI. Plans include online and offline accessibility. RBI will launch Digital Rupee for Wholesale (e₹-W) catering to financial institutions for interbank settlements and Digital Rupee for Retail (e₹-R) for consumer and business transactions. CBDC will remove ₹4,984.80 crore security printing cost borne by the general public, businesses, banks, and RBI on physical currency.
Immediate Payment Service (IMPS)
[संपादन करीं]Immediate Payment Service is a real time inter bank payment system.[25]
- Mobile number & MMID: Send money to bank accounts mapped using mobile number.
- Account number & IFSC: Send money to bank accounts.
National Automated Clearing House
[संपादन करीं]A centralised clearing service that aims at providing interbank high volume, low value transactions that are repetitive and periodic in nature.[26]
National Common Mobility Card - Rupay Contactless
[संपादन करीं]Rupay Contactless is a contactless payment technology that allows cardholders to wave their card in front of contactless payment terminals without the need to physically swipe or insert the card into a point-of-sale device.<ref>{{Cite web|url=https://www.financialexpr
- ↑ "National Payments Corporation of India". Npci.org.in. Archived from the original on 5 दिसंबर 2018. Retrieved 16 मार्च 2011.
- ↑ "Board of Directors". NPCI. Archived from the original on 28 अप्रैल 2021. Retrieved 4 अप्रैल 2021.
- ↑ "Management Team". NPCI. Archived from the original on 11 जनवरी 2022. Retrieved 11 जनवरी 2022.
- ↑ "Mobile money transfer fee cut to 10p". The Indian Express. 15 मार्च 2011. Archived from the original on 10 अप्रैल 2011. Retrieved 16 मार्च 2011.
- ↑ "NPCI International". www.npci.org.in. Archived from the original on 4 नवंबर 2020. Retrieved 31 अक्टूबर 2020.
- ↑ "About NPCI - Enabling digital payments in India | NPCI". Archived from the original on 29 अक्टूबर 2020. Retrieved 1 नवंबर 2020.
- ↑ "About NPCI - Enabling digital payments in India | NPCI". www.npci.org.in. Archived from the original on 29 अक्टूबर 2020. Retrieved 1 नवंबर 2020.
- ↑ "Watal Report, December 2016" (PDF). Ministry of Finance. Ministry of Finance. Archived from the original (PDF) on 18 मई 2017. Retrieved 14 जनवरी 2017.
- ↑ "B Sambamurthy appointed as NPCI interim Board chairman". Economic Times. 21 सितंबर 2017. Archived from the original on 20 सितंबर 2018. Retrieved 24 अक्टूबर 2017.
- ↑ "NPCI names Dilip Asbe as interim CEO, AP Hota retires". Business Standard News. 14 अगस्त 2017. Archived from the original on 15 मार्च 2019. Retrieved 9 अक्टूबर 2017.
- ↑ "NPCI launches a new subsidiary to promote its international business". Moneycontrol. Archived from the original on 4 फरवरी 2022. Retrieved 20 अगस्त 2020.
- ↑ Nandi, Shreya (19 अगस्त 2020). "NPCI launches international unit to expand reach of UPI". Livemint (अंग्रेजी में). Archived from the original on 30 सितंबर 2020. Retrieved 20 अगस्त 2020.
- ↑ "Merchantrade Asia, NPCI offer real-time remittances to India". The Star (अंग्रेजी में). Archived from the original on 4 अगस्त 2021. Retrieved 4 अगस्त 2021.
- ↑ "Now, Indian tourists can use UPI for their Eiffel Tower visit". The Economic Times. 3 फरवरी 2024. Retrieved 15 दिसंबर 2024.
- ↑ Shetty, Mayur (5 जून 2024). "NPCI arm to help bring UPI-like payments to Peru". The Times of India. ISSN 0971-8257. Retrieved 6 जून 2024.
- ↑ Bhasin, Tinesh (1 अप्रैल 2021). "NPCI hives off bill payments platform into a separate subsidiary". mint (अंग्रेजी में). Archived from the original on 4 फरवरी 2022. Retrieved 3 अप्रैल 2021.
- ↑ Manikandan, Ashwin. "NPCI transfers automatic bill payments business to new subsidiary". The Economic Times. Archived from the original on 2 अप्रैल 2021. Retrieved 3 अप्रैल 2021.
- ↑ "Aadhaar enabled payment system transactions cross 200 million in July 2019, confirms NPCI". Zee Business (अंग्रेजी में). 12 अगस्त 2019. Archived from the original on 26 अगस्त 2019. Retrieved 26 अगस्त 2019.
- ↑ "UPI transactions touches Rs 18.41 lakh crore in January, shows NPCI data". Moneycontrol (अंग्रेजी में). 2 फरवरी 2024. Retrieved 4 फरवरी 2024.
- ↑ Bharat Bill Payment System in India's Perspective. KPMG. 2018.
- ↑ "BHARAT QR CODE | Ministry of Electronics and Information Technology, Government of India". www.meity.gov.in. Archived from the original on 18 मार्च 2020. Retrieved 1 अप्रैल 2020.
- ↑ "Everything you need to know about NCPI's BHIM app for Android and iOS". The Indian Express (अमेरिकी अंग्रेजी में). 11 मई 2019. Archived from the original on 1 जनवरी 2020. Retrieved 1 अप्रैल 2020.
- ↑ www.ETtech.com. "Major Indian banks yet to enable Aadhaar payments on BHIM app - ETtech". The Economic Times (अंग्रेजी में). Retrieved 1 अप्रैल 2020.
- ↑ "What is Cheque Truncation System? CTS Benefits and Highlights of CTS Check. | Nelito | Blog". www.nelito.com. Archived from the original on 11 अगस्त 2020. Retrieved 1 अप्रैल 2020.
- ↑ nitinbhatia121 (20 अप्रैल 2015). "What is IMPS - Immediate Payment Service?". nitinbhatia.in (अमेरिकी अंग्रेजी में). Archived from the original on 9 अगस्त 2020. Retrieved 1 अप्रैल 2020.
- ↑ Jose, Tojo (22 अक्टूबर 2017). "What is National Automated Clearing House (NACH)?". Indian Economy (अमेरिकी अंग्रेजी में). Archived from the original on 19 सितंबर 2020. Retrieved 1 अप्रैल 2020.