Promotion of Digital Payments

12th & 13th February, 2018 Growth in Digital Payments - Mode wise Performance Modes Quarter 1 Quarter 2 October November December January February (5th) AePS 20.01 23.97 8.10 8.31 8.61 9.30 1.3 BHIM Aadhaar 0.00 0.01 0.002 0.002 0.002 0.002 0.00 IMPS 19.76 22.77 8.81 8.95 9.80 9.96 1.51 USSD 0.06 0.06 0.02 0.02 0.02 0.02 0.01 UPI + BHIM 2.64 5.88 7.68 10.49 14.54 15.16 2.4 Debit Card 78.74 78.63 27.84 27.09 27.09 27.09 Total (Five Modes) 121.21 131.31 52.45 54.86 60.06 61.53 5.22 RTGS 2.98 2.85 1.00 1.08 1.09 1.12 0.13 NEFT 45.13 45.74 15.88 16.20 16.90 17.02 2.72 NACH 60.34 58.50 18.70 19.75 19.11 20.37 3.36 NETC 2.37 2.84 0.98 1.07 1.23 1.25 0.13 NCMC ------PPI 88.58 77.16 24.52 23.62 23.62 23.62 Credit Card 33.14 33.86 12.34 11.59 11.59 11.59 Closed Loop Wallet 21.07 22.41 6.75 6.92 6.72 6.07 0.01 Total 253.61 243.36 80.16 80.22 80.26 81.04 6.35 Internet Banking 33.72 32.76 11.68 11.98 11.54 12.17 1.97 Mobile Banking 11.39 12.56 6.23 5.54 6.77 5.48 0.94 Others 22.19 29.39 10.73 12.04 14.01 12.81 1.52 Total 67.30 74.71 28.64 29.56 32.32 30.46 4.43 Grand Total 442.12 449.38 161.25 164.65 172.64 173.03 16.00 Cumulative Total 442.12 891.50 1,052.75 1,217.39 1,390.04 1,563.07 1,579.07 Figures in crores Key Initiatives Undertaken by MeitY Key Initiatives Undertaken by MeitY

 Implemented a Digital payments dashboard  To track the bank wise/mode wise volume of transaction, POS & BHIM Aadhaar deployment & Mobile/Aadhaar number seeding to bank account- To be launched on 13 Feb 18

 Absorption of Merchant Discount Rate (MDR) for debit cards, BHIM-UPI transactions, and BHIM Aadhaar pay for transactions upto Rs 2000 from 1st January, 2018 to 31st December, 2019

 Launched promotional schemes for BHIM including BHIM Individual Referral scheme, BHIM merchant Cashback scheme and BHIM Aadhaar incentive Scheme

 A composite Scorecard developed to evaluate the performance of the banks on assigned targets/parameters and also to create an environment of healthy competition amongst them. Key Planned Initiatives in FY 2018-19

 To incentivize digital payments and dis-incentivize the usage of Cash modes

 To increase the adoption of Bharat Bill Payment System (BBPS) & to print Bharat QR on all Utility Bills

 Launch a nation wide merchant on-boarding campaign on BHIM app with CSCs – MeitY campaign on- going with CSCs, States to do similar effort for merchant onboarding

 Link for digital payments promotional content - http://meity.gov.in/incentivepromotional-schemes State Specific Analysis of Online Merchants Charging Convenience Fees/MDR Charges State Specific Analysis of Online Merchants Charging Convenience Fees/MDR Charges

Tamil Nadu, Kerala, Rajasthan, Municipal Corporations Andhra Pradesh, Uttar Charges varies from Rs 5/- to Pradesh, Telangana, West Rs 35/- (approx.)

Bengal, Maharashtra Various States Various Some States NIL Charges State Specific Analysis of Online Merchants Charging Convenience Fees/MDR Charges

Name of If Yes, then Sector Charges Convenience Fee Charges MDR Merchant how much

Utility Tamil Nadu Electricity Board Yes Bank Charges Rs. 5 to Rs. 10

Transport Tamil Nadu State Transport Yes E-ticket Fee-Rs.10/ PG Service Fee Rs.10 Corporation

Debit Card : Tamil Nadu 0.25% of the transaction amount + applicable Total GST - for transaction amount Rs 0.00 to Rs 1000.01

Yes 0.50% of the transaction amount + applicable Chennai Metro Water Total GST - for transaction amount Rs Utility 1000.01 to Rs 2000.01

1.00% of the transaction amount + applicable Total GST - for transaction amount Rs 2000.01 and above

Entertainment Tamil Nadu Arasu Cable TV NIL NIL Corporation Ltd State Specific Analysis of Online Merchants Charging Convenience Fees/MDR Charges If Yes, then Sector Name of Merchant Charges Convenience Fee Charges MDR how much

Utility Kerala State Electricity Board Yes Debit Card-0.78% (Tech Process PG) / Kerala Debit Card-0.84% (PayU PG)

Transport Kerala State Transport Yes Credit/Debit Card- Rs. 10 per passenger Corporation

Credit/Debit Card(Master Card/Visa) - Municipal Sanchaya Revenue and license Yes 1.85% on Bill Amount + Service Tax Corporation/ Card Payment Facility(Amex/Diners) – Panchayat 2.50% on Bill Amount + Service Tax

State Specific Analysis of Online Merchants Charging Convenience Fees/MDR Charges If Yes, then how Sector Name of Merchant Charges Convenience Fee Charges MDR much Sikkim Education Sikkim Manipal University NIL NIL

Punjab Municipal No charge NIL NIL Corporation/Panchayat

Karnataka Transport KSTDC / KSRTC NIL NIL

Himachal Pradesh

Utility H.P. State Electricity Board NIL NIL

Reference Excel for details on analysis State Specific Analysis of Online Merchants Charging Convenience Fees/MDR Charges Action Required from States • Government of India has decided to absorb MDR charges for all the digital transactions using debit cards, BHIM-UPI and BHIM Aadhaar Pay of value less than or equal to Rs. 2000 Source: Link : http://meity.gov.in/writereaddata/files/gazette_notification_on_subsidizing_mdr_charges.pdf

• Government of India has decided to absorb MDR on all central government receipts ( upto 1 lakh) Source : https://rbidocs.rbi.org.in/rdocs/notification/PDFs/NOTI5593BBEA4D670E486F96C7C0FAEB0D8EF5.PDF

Required Action -

• State government may also consider to waive off any charges on state Govt receipts using digital modes. PayGov India – National Payment Service Platform http://paygovindia.gov.in/index.html

. Fast, Secure & Convenient online payments platform for C2G services

. Reconciliation & Settlement – Funds transferred to State Nodal Bank by T+1

. Payment Modes: Net Banking (80 banks) | Debit & Credit cards | IMPS | Cash Cards/Wallets | NEFT | RTGS | BHIM

. Live – 108 Depts/Agencies Transactions - Rs. 7074.53 Cr till 31st Jan 2018

. NSDL Database Management Limited (NDML) as the implementing agency

. Best Adoption Model:

. State signing Umbrella Agreement with PayGov for the entire state.

. Any Departments availing PayGov services would only require signing an MoU

. Draft Agreements/MoU available at http://paygovindia.gov.in/download.html PayGov – Coverage

J&K

HP Chandigarh Punjab Uttarakhand Arunachal Pradesh Delhi Sikkim Haryana

UP Assam Nagaland Rajasthan Manipur Bihar Meghalaya

WB Tripura Mizoram Gujarat MP JHD

CHH Odisha Daman and Diu MaharashtraMaharashtra Dadra & Nagar Haveli Integrated > 3 Depts/Agencies Telangana Integrated <= 3 Depts/Agencies Goa AP No Integration

Puducherry Lakshadweep Tamil TN Kerala Nadu

Andaman & Nicobar Islands State Wise Scorecard Framework Scorecard

Framework developed for monitoring States for Digital Payments

• Receipts value through digital means at Key State Dept. (65 Marks)

• Infrastructure Enablement (25 Marks)

• Promotion and Incentives (10 Marks)

Scorecard

Receipts Value (Max Marks 66 ) Value through A Department Total Value Max Marks Score Digital

(Value through Digital/Total Value)* Max 1 Energy /Power bill payment 7 Marks)

(Value through Digital/Total Value)* Max 2 Municipalities 7 Marks)

(Value through Digital/Total Value)* Max 3 Road Transport (SRTU) 7 Marks)

(Value through Digital/Total Value)* Max 4 Road Transport (RTO) 6 Marks)

Food and Public Distribution (FPS (Value through Digital/Total Value)* Max 5 6 shops) Marks) (Value through Digital/Total Value)* Max 6 Agriculture (Agri mandis) 5 Marks)

(Value through Digital/Total Value)* Max 7 Road Transport (Toll) 4 Marks) Scorecard….contd

Receipts Value (Max Marks 66 ) Value through A Department Total Value Max Marks Score Digital

(Value through Digital/Total Value)* Max 8 Fertilizers ( Fertilizer depots) 4 Marks) (Value through Digital/Total Value)* Max 9 Health ( State Government Hospitals) 4 Marks) (Value through Digital/Total Value)* Max 10 Panchayati Raj 3 Marks)

Land Revenue (Registration fee, Stamp (Value through Digital/Total Value)* Max 11 3 duty etc.) Marks)

(Value through Digital/Total Value)* Max 12 Police (Traffic Challan) 3 Marks)

Law and Justice (upto High Courts) - (Value through Digital/Total Value)* Max 13 3 Fee for filing case, Stamp paper) Marks)

(Value through Digital/Total Value)* Max 14 Milk co-operatives (like DMS ETC) 3 Marks) Scorecard….contd

B Infrastructure Enablement (Maximum Marks 25 )

Parameter Input 1 Input 2 Max Marks Score Total Power/ Water/ Gas (Total number of Power/Water/ Gas Billers Total Power/ Water 15 BBPS Onboarding Billers on-boarded on 10 on-boarded on BBPS / Total number of / Gas Billers BBPS Power/Water/ Gas Billers )* Max Marks No. of online payments ( No. of online payments systems which are No. of online 16 Online Systems systems which are digital 5 digital payments enabled / No. of online payment systems payments enabled payment systems)* Max Marks Total Govt. receipt (Total Govt. receipt counters enabled with Total Govt. receipt 17 Physical counter enablement counters enabled with 5 Digital Payment / Total Govt. receipt counters Digital Payment counters)* Max Marks Total No. of billers with ( Total No. of billers with BHARAT QR code 18 BHARAT QR code on bills Total No. of billers BHARAT QR code printed 5 printed on bills / Total No. of billers) * Max on bills Marks C Promotion and Incentives (Maximum Marks 10 ) State level On-boarding campaign of BHIM/ Yes - 5, 19 campaign 5 BHARAT QR undertaken (Y/N) No -0 undertaken State Incentives to promote Digital Visible discount on Yes - 5, 20 5 Payments digital payment No -0 Total 100 BBPS On-boarding Score

Electricity Water Gas Total Score # State BBPS On- BBPS On- Total BBPS On- Total BBPS On- Total Billers Total Billers (out of 10) boarded boarded Billers boarded Billers boarded 1 Delhi 3 3 4 2 1 1 8 6 7.5 2 Tripura 1 1 1 0 1 1 3 2 6.7 3 Rajasthan 7 7 8 1 0 0 15 8 5.3 4 Dadra & Nagar Haveli 1 1 1 0 0 0 2 1 5.0 5 Daman and Diu 1 1 1 0 0 0 2 1 5.0 6 Meghalaya 1 1 1 0 0 0 2 1 5.0 7 Gujarat 5 5 8 0 4 2 17 7 4.1 8 Odisha 4 3 5 0 0 0 9 3 3.3 9 Uttrakhand 1 1 8 1 0 0 9 2 2.2 10 Uttar Pradesh 6 5 17 0 3 0 26 5 1.9 11 Bihar 3 3 13 0 0 0 16 3 1.9 12 Maharashtra 5 5 29 0 3 1 37 6 1.6 13 Haryana 2 0 10 0 2 2 14 2 1.4 14 Andhra Pradesh 2 2 15 0 0 0 17 2 1.2 15 West Bengal 4 2 13 0 0 0 17 2 1.2 16 Jharkand 2 1 8 0 0 0 10 1 1.0 17 Chhattisgarh 1 1 13 0 0 0 14 1 0.7 18 Karnataka 5 1 12 0 0 0 17 1 0.6 19 Madhya Pradesh 3 1 15 0 1 0 19 1 0.5 *For Water Billers, Total number is taken as No. of Municipal Corporations in State BBPS On-boarding Score …. contd

Electricity Water* Gas Total Score # State BBPS On- BBPS On- Total BBPS On- Total BBPS On- Total Billers Total Billers (out of 10) boarded boarded Billers boarded Billers boarded 20 Andaman & Nicobar 1 0 1 0 0 0 2 0 0.0 21 Arunachal Pradesh 1 0 1 0 0 0 2 0 0.0 22 Assam 1 0 1 0 1 0 3 0 0.0 23 Chandigarh 1 0 1 0 0 0 2 0 0.0 24 Goa 1 0 2 0 0 0 3 0 0.0 25 Himachal Pradesh 1 0 2 0 0 0 3 0 0.0 26 Jammu and Kashmir 1 0 2 0 0 0 3 0 0.0 27 Kerala 1 0 6 0 0 0 7 0 0.0 28 Lakshadweep 1 0 1 0 0 0 2 0 0.0 29 Manipur 1 0 1 0 0 0 2 0 0.0 30 Mizoram 1 0 1 0 0 0 2 0 0.0 31 Nagaland 1 0 1 0 0 0 2 0 0.0 32 Puducherry 1 0 5 0 0 0 6 0 0.0 33 Punjab 1 0 10 0 0 0 11 0 0.0 34 Sikkim 1 0 1 0 0 0 2 0 0.0 35 Tamil Nadu 1 0 12 0 0 0 13 0 0.0 36 Telangana 2 0 6 0 0 0 8 0 0.0 Total** 75 44 236 4 16 7 327 55 1.7 *For Water Billers, Total number is taken as No. of Municipal Corporations in State **In addition, there are 19 National DTH and Telecom providers on-boarded on BBPS, and Adani Gas on-boarded on BBPS present in Multiple States Standard Operating Procedure (SOP) for States Role of State Dept. in Digital Payments

Standardized and Automated tracking Digital Integrated Systems Transaction At Central, State and District bodies

Capacity Building & Intuitive and Easy Training for secure usage to use Systems for on Digital Payment Modes Payments

States Depts. Alliance with Centre Govt. on Incentivaization Digital Payments On Usage of Digital initiatives Modes of Payments

Innovative Connectivity and reach for Promotional Higher Uptake Campaigns Expectation from States

• Identify all utility billers • All Municipalities to be enabled for accepting • Time bound plan for on-boarding on BBPS Digital Payments • Dynamic/Static BHARAT QR code on bills • States may get a common App developed for all Municipalities

Digital Payments • Workshop with States Dept. for identifying areas for Merchant On- • Syndicated campaign for promotion of Digital boarding Payments • Finalize business model with CSCs, • Visible discounts on payments through Digital campaign material Modes • Undertake campaign and monitor results Identify Depts. with High Citizen Touchpoints

Focus Areas Value Chain/Tracks for Digitization of Payments Transport RTO, Toll Collection, State Road Transport Corporation Urban Development RLB, ULB, Municipal Payments, Smart Cities Health and Family Welfare Hospital payments, Aanganwadis Education Fee payments, Educational institutes canteens Food and Civil Supplies FPS Owners, Commodity procurement Power Bill payments, Townships Agriculture Mandis, APMCs State and Local taxes Stamp duty, Registration, Shop and establishment licence,

Birth & Death certificate, Marriage certificate, SC/ST/OBC Certificate, Domicile Certificate, Citizen Services Land Record related payments

Tourism Entry Fees, Stall/vendor payments Traffic Challans Penalties/Challan payments Strategic Roadmap for enablement

Level 3: 2 Diverse Modes of digital payments Full IT automation and Low Cost solutions already doing some modes • Bharat QR code of digital payments 1 Level 2: • BHIM Aadhaar/ BBPS Status of Limited IT automation Government and minimal level of No smart phone requirement receipt digital payment • USSD Level 1: • BHIM Aadhaar readiness No IT automation and limited Minimal or no IT automation resources • Wallet players/Payment Banks • Bank based limited IT bill payments systems

Strategic Roadmap for Digital payments

Detailed analysis of each receipt Logical and comprehensive time Customized solutions for each point for digital payments based roadmap for digital payments receipt point enablement enablement 26 Sample Roadmap

Implementation Consulting of deployment of Three selected mode at Months each touch point Promotion and Awareness Identification of Campaign- Awareness, most feasible Training and Security, incentive mode: Bharat QR, Change schemes through Radio, PoS, Aadhar Pay, Management: Train Newspaper, Social Media, NCMC, USSD the Trainers CM Window, approach for all Three departments Months Grievance Assessment of Management current state; Digital Payment Enablement/IT Identification and Dash-boarding, Stakeholder maturity/Transactio listing of touch Regular monitoring Management: State ns traffic/Peak Load points and Reporting Departments, CM Office, One Districts, Banks, MeitY, Month PMO, Payment Service Providers, NPCI Best Practices - In different States and Sectors Best Practices Best Practices in States

 Amendment in the Shops and Establishment act  Amendment in the State Motor Vehicle Act Telangana States have  Merchant on-boarding drive on BharatQR code in districts implemented  Utility Bill Payment multiple initiatives  eNagarpalika – A unified app for 350+ state Municipal which can be Madhya Pradesh replicated directly Receipts or with certain  Usage of One Delhi Metro Card at DTC buses & shops at customizations as Delhi DMRC - per the state in http://www.delhimetrorail.com/whatnew_details.aspx?id=axxd290CIsUlld consideration Kerala  Kerala Shopping Festival Digital Payment Lottery Scheme http://www.cdfi.in/our-works/digital-grand-kerala-shopping- festival Best Practices at Central Government

Incentivisation  Absorption of MDR for Government Receipts

Enablement  BHIM Enablement drive with support of CSCs States may also take initiatives  BHIM Enablement drive with support of CSCs across the  Scheme for usage of BHIM & BHIM – Aadhaar various pillars Schemes  BHIM Referral where in Central  BHIM Merchant Cashback Government has  BHIM Aadhaar Incentive Scheme intervened. Integrate Digital  With Daily updates of transactions from various stakeholders Payments Dashboard Banks, Departments and State

Generic Non Tax  For ALL Central Government Receipts Receipt Portal Best Practices at Each state Madhya Pradesh eNagarpalika Best Practices at Each state Madhya Pradesh eNagarpalika Best Practices at Each state Delhi One Metro Card Best Practices at Each state Kerala Digital Lottery Scheme District level Campaign Rollout Plan A Merchant On-boarding for BHIM QR code

Campaign drive for merchant on- boarding for BHIM QR code adoption Extended Support by CSC with joint support from District Administration and Retailer 1st: Weekly/Monthly contest roll-out for Associations. merchants End to end support to respective merchants for BHIM QR code adoption 2nd : Weekly/Monthly contest roll-out for Print BHIM QR code sticker at merchants merchants Conduct of awareness rallies for BHIM 3rd : DigiDhan campaign at District level and BHARAT QR code adoption

B Enablement of Govt. Receipt with Digital Payment Acceptance Mode – To create awareness and penetrate Digital Payments among the consumers – Enablement of Government and non government touch-points for digital payment acceptance

Physical and Online Payment m-PoS Gateway

Citizen segment Utility Bill specific Payment through communication BBPS Digital Payment Promotions & Acceptance Utility physical Bharat QR code bills printed with QR code

Pull BHIM QR code Transactions on Static and Mobile Dynamic Administrative Directions & Support to Banks on Spreading awareness C of Digital Payments

Promotional campaign through Banks channels i.e. Branches, ATMs, BCs on Extended Plans BHIM and BHARAT QR code 1st: Training session with merchants for imparting knowledge on Digital Deeper Penetration in Rural areas by Payments products and various merchant specific schemes like BHIM means of- Incentivization . Digital Payment knowledge through video

clipping, session on digital payments nd . Distribution of pamphlets, booklets and 2 : Incentivization campaign roll-out brochures for merchants as well as for consumers . Demo Session for Digital Payments products, transaction and ease . Digital Payments signage in all Account Opening application form, cheques books, passbook.

D Awareness to Industry Bodies, Merchants & Shop Associations

Imparting Digital Payments knowledge by means of forum/panel discussion

Showcasing industry best practices through audio-visual (AV) clips.

Distribution of promotional materials as prepared and shared by MeitY

District Level “Digital Dashboard” for transaction tracking & E monitoring

To keep a rigorous monitoring for digital payments transaction tracking, it’s proposed to have a district level ‘Digital

Dashboard’ in place:

1. Merchant Onboarding by CSC: Assigned target Vs achievement (daily/weekly/monthly)

2. Merchant Onboarding by Banks (District level Branch wise): Assigned target Vs achievement (daily/weekly/ monthly)

3. Branch Wise score assignment:

– Digital payments acceptance points

– Number of digital payments transactions

4. No. of Promotional campaign / training done:

– By Branches and CSC (monthly)

Sample District Level Reporting Tracking & Monitoring

1st: Receive reports from all district bank in DLBC meeting

2nd : Report to be submitted on monthly basis to MeitY

Mumbai- District "Digital Payments" Dashboard Trxn. Value Merchant Promotional Promotional No. of Digital in INR Bank Name Acquired Campaign Campaign Transaction Branch Name (% of (% of (% of (% of (% of Achievement Achievement) Achievement) Achievement) Achievement) ) State Bank of Goregaon India Dadar Vikhroli Bank of India Powai Learnings from Pilot Initiatives – CSC (Varanasi) Key learnings taken from BHIM QR Drive at Varanasi- 1/3

• CSC-SPV conducted BHIM QR code drive in Varanasi from 2nd to 20th January 2018 • The team helped in enablement of merchants on the BHIM app in local markets where they identified some key challenges faced

Challenges Description Steps to be taken

BHIM not • The BHIM App is currently not allowing more than allowing more 10 transactions initiated from QR code within a day, The issue being addressed than ten • by NPCI transactions. Will impact smooth business conduct for merchants.

Contact Numbers • The contact number shared merchants at the time Merchants to be educated synced with Bank of opening bank account, may no longer be in use. with the online- process of Accounts not • The contact number linked with bank account must updating contact details active be active for QR activation. with respective banks

RRBs and Co- • Most of the RRBs and Co-operative banks are not operative Banks live on BHIM RRBs and Co-operative not LIVE on • The major population in Tier II cities are mostly banks to be on-board BHIM banked by RRBs and co-operative bank . Challenges faced and learnings taken from BHIM QR Drive at Varanasi- 2/3

Operational Challenges encountered.

Challenges Descriptions Resolution Steps The Merchants to be • The Merchant need to generate UPI PIN for Non- Availability informed about PMJDY initializing/ accepting BHIM QR transactions. of Debit Cards to and asked to avail RuPay set UPI Pin. • The availability of Debit Card is compulsory for debit card through this generating UPI PIN. scheme

The merchants can be • The far flung areas in Varanasi, did not have internet Internet given options about connectivity which is a foremost important condition Connectivity cheap and reliable for initiation of BHIM QR transactions. medium of internet connectivity like JIO-FI

• The Merchant reconciliation process with the bank is Standard Operating a tedious task, as informed by the merchants. Procedure for Reconciliation of reconciliation to be Transactions • The reconciliation of transactions is of most importance as it is the basis of settlement of shared by banks with amount. respective merchants. Challenges faced and learnings taken from BHIM QR Drive at Varanasi- 3/3

Operational Challenges encountered.

Challenges Descriptions Resolution Steps

Hardware/ The latest hardware/ • The Merchant needs to have upgraded hardware Software software requirement can and Software for smooth and hassle free transaction Upgrade. be fulfilled by a smart processing. phone

The teams should be • Localization/ The familiarity with local language needs to be there accompanied by local language barrier to explain the Merchants about the acquiring via individuals for making BHIM QR code. effective communication with merchants

Need of • The general public is still unaware about the BHIM Promotional campaigns awareness QR. to be run in Tier-II cities among general • Increased merchant awareness will lead to ease in for improving awareness public adoption of new technology and product. Thanks Reference of Vizag Pilot

Circulars of AP Government States Digital Transactions Ranking Per Capita Transaction of BHIM, USSD and Rupay Debit Card since 1st Apr 2017

Total Total Per Capita Per Capita Rank State Transactions in Rank State Transactions in Transactions Transactions FY 17-18 FY 17-18

1 HARYANA 5.07 1.83 16 SIKKIM 0.02 0.37 2 ANDHRA PRADESH 14.58 1.58 17 MADHYA PRADESH 2.83 0.36 3 MAHARASHTRA 17.43 1.42 18 RAJASTHAN 2.63 0.35 4 GOA 0.19 1.22 19 JHARKHAND 0.98 0.27 5 UTTAR PRADESH 22.89 1.05 20 ASSAM 0.88 0.26 6 KARNATAKA 6.82 1.02 21 BIHAR 2.23 0.20 7 ODISHA 4.65 1.02 22 TRIPURA 0.06 0.14 8 UTTARAKHAND 0.83 0.75 23 ARUNACHAL PRADESH 0.02 0.12 9 TAMIL NADU 5.08 0.65 24 MEGHALAYA 0.04 0.12 10 TELANGANA 2.38 0.62 25 CHHATTISGARH 0.31 0.11 11 WEST BENGAL 5.40 0.54 JAMMU AND 12 KERALA 1.91 0.52 26 KASHMIR 0.14 0.11 13 HIMACHAL PRADESH 0.38 0.51 27 MANIPUR 0.03 0.10 14 GUJARAT 3.16 0.48 28 MIZORAM 0.01 0.07 15 PUNJAB 1.22 0.41 29 NAGALAND 0.01 0.06 Transactions in Crore Per Capita Transaction of BHIM, USSD and Rupay Debit Card since 1st Apr 2017

Total Transactions In Per Capita Rank Union Territories Cr(BHIM+USSD+RuPay Transactions Debit Card) in FY 17-18

1 CHANDIGARH 0.70 6.10 DADRA AND NAGAR 2 HAVELI 0.08 2.01 3 DAMAN AND DIU 0.05 1.87 4 DELHI 3.38 1.85 5 PUDUCHERRY 0.14 1.01 ANDAMAN AND 6 NICOBAR 0.03 0.75 7 LAKSHADWEEP 0.00 0.13

Transactions in Crore Aadhaar Seeding & Mobile Seeding Aadhaar and Mobile Seeding in States

Aadhaar Seeding in Bank Accounts Mobile Seeding In Bank Accounts

Aadhaar Seeding process has been completed for 79% Mobile Seeding process has been completed for 76% of the CASA accounts . of the accounts .

Leading States & UT Leading States & UT

1 Sikkim 87.6 % 1 Kerala 93.6%

2 Jharkhand 87.2 % 2 Sikkim 93.5%

3 Andhra Pradesh 87.1 % 3 Daman & Diu 93.3%

4 Tripura 85.2 % 4 Nagaland 93%

5 Chhattisgarh 83.6 % 5 Andaman & Nicobar Island 92.8%

• Source: All public sector banks, sponsored RRBs, payment banks & 16 private sector banks. • Data till 02nd Feb 2018 State wise - Percentage of Aadhaar Seeding

% of CASA Aadhaar % of CASA Aadhaar State Name State Name seeding seeding Lakshadweep 81 Andaman & Nicobar islands 83 Madhya Pradesh 81.9 Andhra Pradesh 87.1 Maharashtra 78.4 Arunachal Pradesh 57.4 Manipur 75.5 Bihar 79.4 Mizoram 70.1 Chandigarh 78.9 Nagaland 66.3 Chhattisgarh 83.6 Odisha 74 Dadra & Nagar Haveli 82 Puducherry 81.7 Daman & Diu 83.2 Punjab 79.9 Delhi 77.1 Goa 73.1 Rajasthan 79.8 Gujarat 74.9 Sikkim 87.6 Haryana 80.9 Tamil nadu 75 Himachal pradesh 83.4 Telangana 82.5 Jharkhand 87.2 Tripura 85.2 Karnataka 78.5 Uttar pradesh 78.9 Kerala 78.2 Uttarakhand 77.1 West Bengal 79.5 • Source: All public sector banks, sponsored RRBs, payment banks & 16 private sector banks. • Data till 02nd Feb 2018 State wise - Percentage of Mobile Seeding

% Mobile % Mobile State State Seeding Seeding Andaman & nicobar islands 92.8 Lakshadweep 89.5 Andhra Pradesh 83.3 Madhya pradesh 63.7 Arunachal pradesh 79.9 Maharashtra 88.9 Assam 73.8 Manipur 88.7 Bihar 71.7 Meghalaya 68.8 Chandigarh 92 Mizoram 75.2 Chhattisgarh 64.6 Nagaland 93 Dadra & Nagar Haveli 90.9 Odisha 70.5 Daman & diu 93.3 Puducherry 90.1 Delhi 91 Punjab 83.2 Goa 92.2 Rajasthan 78.8 Gujarat 83.4 Sikkim 93.5 Haryana 83.2 Tamil nadu 85.1 Himachal pradesh 84 Telangana 84.7 Jammu & kashmir 86.2 Tripura 82 Jharkhand 72.4 Uttar pradesh 75.4 Karnataka 88.3 Uttarakhand 83.3 Kerala 93.6 West bengal 75.3

• Source: All public sector banks, sponsored RRBs, payment banks & 16 private sector banks. • Data till 02nd Feb 2018