APBS BANKS FAQs

Faq

Why is Aadhaar Payment Bridge (APB) System required?

The APB System sub-serves the goal of Financial Inclusion and provides an opportunity to the Government to attempt financial re-engineering of its subsidy management program. The implementation of APB System has also lead to electronification of a large number of retail payment transactions which were predominantly either in cash or cheque.

What are the benefits of Aadhaar Payment Bridge (APB) System?

 Eliminates inordinate delays, multiple channels & paper-work involved in the existing system.

 Transfers benefits & subsidies in a seamless & timely manner and directly into the Aadhaar Enabled Bank Account.

 In case of change in bank account, customer is not required to convey the bank account details or change in bank details to the Government Department or Agency.

 Customer not required to open multiple bank accounts for receiving benefits and subsidies of various social welfare schemes – Customer just need to open one account and seed his/her Aadhaar number in the bank account to start receiving benefits and subsidies directly into his/her Aadhaar Enabled Bank Account. 

What are the features of Aadhaar Payment Bridge (APB) System?

 Banks can upload/download transaction files through secured web access.

 Banks can get connect to NPCI either through NPCINet or Internet.

 Transaction routing on the basis of IIN issued by NPCI.

 Transaction processing by destination banks on the basis of Aadhaar numbers.

 APB System supports ISO 20022 messaging standards.

 APB System supports multiple intraday sessions.

 APB System provides Direct Corporate Access (DCA) to Government Departments and Agencies.

 Provides online Dispute Management System (DMS).

 APB System capable to handle 10 million transactions per day.

 APB System can process both onus and offus transactions.

 APB System makes available enriched MIS to all the participants.

 APB System provides secure Clearing and Settlement process.

How Aadhaar Payment Bridge (APB) System works?

Aadhaar Payment Bridge (APB) System, one of the unique payment systems implemented by NPCI, uses Aadhaar number as a central key for electronically channelizing the Government benefits and subsidies in the Aadhaar Enabled Bank Accounts (AEBA) of the intended beneficiaries.

What is NPCI mapper?

NPCI mapper is a repository of Aadhaar numbers maintained by the APB System and used for the purpose of routing the APB transactions to the destination banks. The NPCI mapper contains Aadhaar number along with IIN of the bank to which the customer has seeded his/her Aadhaar number. Banks need to upload Aadhaar number in NPCI mapper in a specified file format through NACH portal. 

What is the significance of NPCI mapper?

NPCI mapper acts as a repository of the Aadhaar numbers along with the IIN to which the Aadhaar number is mapped. The APB System routes the transaction to the bank against whose IIN the Aadhaar number is mapped.

How NPCI receives the customer’s Aadhaar number?

APB System participating banks after receiving the Aadhaar number from the customer seeds the same into the bank account details of the customer maintained in the Core Banking System and subsequently uploads such Aadhaar numbers’ into the NPCI mapper on a regular basis. 

Why NPCI maintains repository of customers Aadhaar numbers’ at its end?

Aadhaar numbers along with the IIN of the bank are required to be stored in NPCI mapper to identify the destination bank for routing the benefits and subsidies to the intended beneficiaries.  

Does NPCI maintain bank account details of the customers in NPCI mapper?

No. NPCI does not maintain bank account details of the customers like account number, IFS code and branch address etc. of the customer in NPCI mapper. 

What will happen to those records in the input file for which the Aadhaar number is not available in the NPCI mapper?

APB System will reject the transactions for those records for which the Aadhaar number is not available in NPCI mapper at the time of input file upload by the sponsor bank. 

What is an IIN (Institution Identification Number) and what is its significance?

IIN is a unique 6 digit number issued by NPCI to every APB System participating bank and is used to uniquely identify a bank to which the APB transaction has to be routed in the Aadhaar Payment Bridge (APB) System.

Is it necessary to send IIN in the input file sent by the sponsor bank?

No. It is not necessary for the sponsor bank to send the IIN for each Aadhaar number in the input file.

Does APB System works on all days?

No. APB System does not work on all days. APB System remains closed on Sundays and RTGS holidays declared by Reserve Bank of India from time to time. 

What happens when a customer seeds his/her Aadhaar number in multiple bank accounts?

In case, a customer seeds his/her Aadhaar number in multiple bank accounts, the previous mapping if any in the NPCI mapper, gets overwritten by the fresh seeding of the Aadhaar number. The customer Aadhaar number will get mapped in NPCI mapper to the bank in which he/she has given the Aadhaar number at the last. NPCI mapper uses the latest IIN of the bank in which the customer has seeded his/her Aadhaar number to transfer benefits and subsidies in his/her bank account. 

How can a customer know the mapping status of his/her Aadhaar number in NPCI mapper?

Customers can check the Aadhaar number mapping status in NPCI mapper by dialling *99*99# on any GSM mobile. Additionally, LPG consumers can also check the Aadhaar number mapping status by visiting the transparency portal of the respective OMCs (Oil Marketing Companies) website. 

How can a bank or Government Department know the mapping status of Aadhaar number in NPCI mapper?

NPCI is providing Aadhaar Lookup facility to the banks and Government Departments to know the status of Aadhaar numbers mapped in NPCI mapper in the form of Active, Inactive, Invalid or Not resent in NPCI mapper. For more information on Aadhaar Lookup facility, banks may refer circular No. 6 on NPCI website under the link http://www.npci.org.in/NACH_Circulars.aspx

Whether the banks need to encrypt mapper file while uploading in NPCI mapper?

Yes. Banks need to encrypt mapper file while uploading in NPCI mapper.

Whether the mapper file needs to be approved/authorised after uploading?

No. Mapper file is not required to be approved/authorised after uploading.

Do banks get any report for the Aadhaar numbers mapped to their banks?

Yes. Banks get following reports at the End of Day (EOD).

 Aadhaar Mapped Report – This report contains Aadhaar numbers’ uploaded by the bank on that particular day.

 Aadhaar Moved out Report – This report contains Aadhaar numbers’ moved out to other banks on that particular day.

 Banks also get a weekly report on every Sunday morning in csv format which contains the Aadhaar database for their bank as on date.

Does the bank requires Digital Certificate to participate in APB System?

Yes. Banks require Class II Digital Certificates for the individual users. The same can be procured from any of the authorised CAs including IDRBT. Digital Certificate is required for digitally signing the APB System files

Does the bank requires Signing Tool to participate in APB System?

Yes. Banks require a Signing Tool to participate in APB System.

What is the specifications of the Signing Tool?

Signing tool is used for the encryption and decryption of the files which are uploaded and download in the NACH System. The Signing Tool should be configured with RAW or PKCS#7 algorithm.

What is the input file capacity for sponsor banks in APB System?

The input file capacity for sponsor banks in APB System is 1,00,000 records per input file. 

What is User Name and User Number?

User Name and User Number is provided by the NPCI based on the User Registration Form submitted by the Government Department or Agency through its sponsor bank to NPCI. 

How the settlement happens in APB System?

Settlement file generated by the APB System is submitted to the Deposits Account Department (DAD) of RBI through RTGS gateway. In APB System, settlement is effected based on the IFS code of the participating banks. 

What are the APB System session timings?

Days    Presentation Session Timings  Return Session Timings 
Week Days Session I  08:00 AM - 11:30 AM  02:00 PM - 03:00 PM 
  Session II  11:30 AM - 01:30 PM  04:00 PM - 05:00 PM
Saturday Single Session  08:00 AM - 11:30 AM 02:00 PM - 03:00 PM

 

What role does sponsor bank plays in APB System for its indirect/sub-member banks?

Banks who do not have RTGS membership can participate in APB System through sub-membership model wherein they can become sub-member of such a bank that have RTGS membership.Settlement for such sub-member banks is done in the settlement account of their respective sponsor banks. APB System uses settlement account of the sponsor banks to effect the settlement of their respective indirect/sub-member banks. For e.g. the funds pertaining to ABC Bank sponsored by XYZ Bank will be credited in the settlement account of XYZ Bank. XYZ Bank will have to pass the credit of APB transactions pertaining to ABC Bank in the current account maintained by ABC Bank with ICICI Bank.

How does a sponsor bank will come to know about the details of amount to be credited in the current account of its indirect/sub-member bank?

Sponsor bank gets “S0002: Settlement Report”. This report contains separate settlement entries of the sponsor bank and its indirect/sub-member banks. 

What are the APB System joining formalities for Direct member banks?

 Letter of Authority

 Direct Bank Participation Application Form

 User Registration Application Form

 NARF (NACH Access Registration Form)

 IIN Request Form and Covering Letter for IIN Application

 Escalation Matrix

 Bank Master

What are the APB System joining formalities for indirect/sub-member banks?

 Letter from Sponsor Bank

 Indirect Bank Participation Application Form

 User Registration Application Form

 NARF (NACH Access Registration Form)

 IIN Request Form and Covering Letter for IIN Application 

 Escalation Matrix

 Bank Master

What are the ways in which banks can get connected with NPCI for accessing APB System?

Banks can get connected with NPCI either through NPCINet or Internet for accessing the APB System. 

What are the requirements for banks to access APB System through Internet?

Banks need to share Static IP address for accessing the APB System through Internet. The Static IP address is enabled in the firewall of NPCI in order to allow the banks to access APB System through Internet.

What are the Pre-requisites for Bank required for APB/EBT On boarding on NACH Platform?

 Bank should be on Core Banking System (CBS).

 Bank should have provision for seeding Aadhaar number in CBS.

 Bank should be technically integrated with NPCI (NPCINet or Internet).

 Bank should have Institution Identification Number (IIN) issued by NPCI.

 Bank should have settlement account with DAD (Deposits Account Department), RBI (if not, bank can participate as indirect/sub-member through his sponsor bank who should have a settlement account with DAD, RBI).

 Bank should have RTGS membership (if not, bank can participate as indirect/sub-member through his sponsor bank who should be a RTGS member).

 Bank should have Digital Certificate and Signer Tool.

What are the steps for banks to get onboarded on APB System?

 Banks to submit all the onboarding documents to NPCI for APB System.

 Banks to procure Class II Digital Certificate, Signing Tool and E-token.

 Banks to integrate their CBS with APB System application.

 Banks to complete end to end testing and UAT for onboarding certification.

 Banks certified on UAT to initiate onus transaction on APB production system.