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38-514: National Common Mobility Card ( NCMC ) is an open-loop, inter-operable transport card conceived by the Ministry of Housing and Urban Affairs under Prime Minister Narendra Modi 's ‘One Nation, One Card' vision. It was launched on 4 March 2019. The transport card enables the user to pay for travel, toll tax , retail shopping and withdraw money. It is enabled through the RuPay card mechanism. The NCMC card

76-521: A consumer makes a purchase at a merchant site that's set up to handle server-side digital wallets, they type their name, payment and shipping information into the merchant's own form. At the end of the purchase, the consumer is asked to sign up for a wallet of their choice by entering a user name and password for future purchases. Users can also acquire wallets at a wallet vendor's site. Most, if not all digital wallets offer advanced security features e.g. biometric authentication and encryption, this protects

114-628: A digital wallet, representing a twofold increase from two years ago. A MasterCard mobile shopping survey among 8500 adults, aged 18–64 across 14 markets, showed that 45% of users in China, 36.7% of users in India and 23.3% of users in Singapore are the biggest adopters of digital wallets. The survey was conducted between October and December 2015. Further analysis showed that 48.5% of consumers in these regions made purchases using smartphones. Indian consumers are leading

152-408: A partnership between NPCI and SBI. The SBI NCMC for Noida Metro , Nagpur Metro , MMRDA Line 2A and Line 7 , Chennai Metro , Kanpur Metro , and Parliament Canteen is operational on BBPS. Customers can top up their cards with up to ₹10,000 online with the addition of NCMC Recharge in the biller category. To update the balance after the recharge, users need to tap their NCMC on the terminal. At

190-492: A phased manner which will replace the current Closed Loop Delhi Metro Smart Cards. In July 2023, Government of India directed banks to issue NCMC-compliant cards by default to customers. On January 2, 2024, Bank of Baroda announced the introduction of the NCMC RuPay Reloadable Prepaid Card. On February 5, 2024, Federal Bank introduced dual-interface RuPay Debit cards with NCMC integration. For NCMC usage,

228-528: A similar national mobility card led to the development of the More Card . Given its lack of seamless functioning across the nation, Venkaiah Naidu , the then Minister of Urban Development, set up a committee to recommend a card which is inter-operable across different transport systems in the country. The urban development ministry brought in the National Payments Corporation of India (NPCI) with

266-497: A step towards an integrated ticketing system (ITS). In certain cities such as Bengaluru and Chennai, adoption of NCMC by users of transport systems was slow due to a lack of integration across different modes of transport and parking payments. At the end of 2022, Kolkata had still not seen NCMC deployment in any of its transport modes. Rajya Sabha was informed on 4 December 2023 that Delhi Metro Rail Corporation (DMRC) will introduce Open Loop National Common Mobility Cards (NCMC) in

304-711: A thin wallet, is one that an organization creates for and about you and maintains on its servers . Server-side digital wallets are gaining popularity among major retailers due to the security, efficiency, and added utility it provides to the end-user, which increases their satisfaction of their overall purchase. The information component is basically a database of user-input information. This information consists of your shipping address, billing address, payment methods (including credit card numbers, expiry dates, and security numbers), and other information. Digital wallets are composed of both digital wallet devices and digital wallet systems. There are dedicated digital wallet devices such as

342-515: Is a digital wallet where private keys are stored for cryptocurrencies like bitcoin . A digital wallet has both a software and information component. Secure and fair electronic payment systems are an important issue. The software provides security and encryption for the personal information and for the actual transaction. Typically, digital wallets are stored on the client side and are easily self-maintained and fully compatible with most e-commerce websites. A server-side digital wallet, also known as

380-509: Is automatically updated and entered into the order fields across merchant sites when using a digital wallet. Consumers also benefit when using digital wallets because their information is encrypted or protected by a private software code; merchants benefit by receiving a combination of protection against fraud, faster receipt of payment, decreased transaction costs, and decreased theft loss. Digital wallets are available to consumers free of charge, and they're fairly easy to obtain. For example, when

418-583: Is issuable as a prepaid, debit, or credit RuPay card from partnered banks such as the State Bank of India , Bank of India , Punjab National Bank , and others. In late 2010, the Government of India envisioned a scheme wherein seamless access could be granted to public transport networks. The system, which later came to be known as Interoperable Fare Management System (IFMS), aimed to let passengers pay across different public transport platforms using one system. This

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456-754: The Assam State Transport Corporation (ASTC) counter at Paltan Bazar , ASTC counter at the Inter State Bus Terminal, the Rupnagar ASTC Yard, and the ASTC Kiosk at Lokpriya Gopinath Bordoloi International Airport . Essential documents like an Aadhaar , an Aadhaar-linked phone number, and an OTP verification are also needed for the card's issuance as part of the Know Your Customer (KYC) requirement. Due to poor adoption rate,

494-815: The Chennai Unified Metropolitan Transport Authority , discussions are already taking place with the Southern Railway zone authorities on implementing the NCMC in trains as well in the near future. Ongo, the digital payments platform of AGS Transact Technologies has introduced an instant National Common Mobility Card 'Ongo Ride' in conjunction with the Chennai Metro Rail Limited (CMRL) on 14 August 2024. At 12 CMRL metro stations in Chennai, Ongo has installed special card dispensers with

532-621: The Global Fintech Fest 2024 , Airtel Payments Bank , in collaboration with Noise and the NPCI, launched a smartwatch that incorporates RuPay chip embedded in the dial, enabling direct payments. Tap-and-pay transactions are made easier by the smartwatch's support for National Common Mobility Card technology. Users can pay at a variety of retail sites and public transportation hubs, including as bus stops, metro stations, and parking lots. Users may choose between contactless purchases and monthly passes on

570-695: The Reserve Bank of India (RBI) removed KYC requirement for NCMC with a ₹3,000 limit as of February 23, 2024. This should make it possible for more of these cards to be issued and used. According to Mumbai Metro , as of December 14, 2023, all fare collection gates on the stations along the Line 1 , Line 2 , and Line 7 have been upgraded to be NCMC compliant. Commencing in June 2024, commuters of Chennai Metro and other NCMC holders are also able to pay for and ride on Metropolitan Transport Corporation (MTC) buses. According to

608-461: The State Bank of India released the MTS RuPay NCMC prepaid card on August 30, 2024. Travelers can now easily make payments, even in places with spotty internet access. In Guwahati , the NCMC was introduced on January 1, 2024. However, before the card can be made publicly available, there are issues with its rollout that need to be resolved. Initially it is available at limited locations such as

646-617: The Unified Payments Interface (UPI) feature to enable these ready-to-use Ongo Ride cards. By integrating payments at parking lots and toll booths with multiple modes of transportation, such as metros, buses, and water ferries, Ongo Ride provides commuters with a single, integrated payment solution. The following public transport systems in the country currently accept fare payments via the National Common Mobility Card, with many more public transport operators across

684-512: The NCMC card to pay for fare on HRTC buses as well as metro services in places like Bangalore and Delhi . From August 16, 2024, Srinagar Smart City Limited (SSCL) will offer NCMC service with five percent reduction on the base passenger fare to promote cashless travel. The Chalo App will help users recharge the card balance. The National Common Mobility Card has been integrated into the Bharat Bill Payment System (BBPS) through

722-474: The PIN. This process is online and is initiated by the machine the card is put near to, i.e., the machine communicates with the bank server to fetch the balance and the amount is deducted from the bank account. Recent versions of such cards have an offline wallet feature as well which leverages NFC to make transactions fully offline without the need of PIN. The transaction limit is lower usually ₹200 per transaction and

760-460: The balance nor is the PIN required. Normally, a debit/ATM card with a chip is usable at ATMs or Pos Machines by inserting it into the machine and entering the PIN. Recent versions of such cards support contactless transactions using NFC. This method allows transactions up to a certain limit (usuallyf ₹5000 in India) without entering the PIN and up to the same limit as insert-chip method after entering

798-403: The balance. This is a one time activity and can be done at the designated Transport Operator/Terminal. This means that the same card can be used at: Since enabling NFC for offline NCMC wallet also enabled NFC for online PoS machines, there is a risk of unauthorized transaction on a stolen card. Thus the limit of online NFC transactions should be kept low to prevent transactions without PIN. And

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836-475: The biometric wallet by Dunhill , a physical device that holds cash and cards along with a Bluetooth mobile connection. Presently there are further explorations for smartphones with NFC digital wallet capabilities, such as smartphones utilizing Google's Android and Apple's iOS operating systems to power wallets such as Google Pay and Apple Pay . Digital wallet systems enable the widespread use of digital wallet transactions among various retail vendors in

874-452: The card should be blocked promptly. However, the amount on a stolen NCMC wallet cannot be blocked since the transaction is fully offline. On 1 August 2024, RBL Bank announced integration of National Common Mobility Card and UPI capabilities with RuPay credit cards. Mumbai Railway Vikas Corporation (MRVC) is planning to implement the ambitious scheme in Mumbai suburban railway network in

912-745: The cleanest. The ministry announced Smart Cities in India on 27 August 2015. In July 2019, the ministry released specifications for Metrolite transport system - a cheaper, smaller and slower metro system. This ministry is the Cadre Controlling Authority (CCA) of the three cadres in CPWD: 1) Central Architects Services ( CAS ) 2) Central Engineering Services ( CES ) 3) Central Electrical and Mechanical Engineering Services ( CEMES ) These are Group A Civil Services. Digital wallet Increasingly, digital wallets are being made not just for basic financial transactions but to also authenticate

950-487: The country in various stages of planning/implementation to accept NCMC as a mode of payment over the next few years. Ministry of Housing and Urban Affairs The Ministry of Housing and Urban Affairs ( MoHUA ) is a ministry of the Government of India with executive authority over the formulation and administration of the rules and regulations and laws relating to the housing and urban development in India . The ministry

988-478: The device, as well as handle transportation concessions. A PIN is required to conduct transactions over ₹5,000, whereas transactions under this amount can be performed without one. According to the revised RBI guidelines, Ongo Ride prepaid card does not require complete KYC in order to make transit payments. In order to provide a smooth, offline payment option for all NCMC-enabled transit projects, such as metro rails, buses, ferries, tolls, and parking throughout India,

1026-631: The first week of March 2024. The NCMC and FASTag will be incorporated into the e-mandate framework by the RBI from June 2024 to facilitate and ease the process for users to top off their accounts. The NCMC service is about to be introduced in Himachal Pradesh . The State Bank of India (SBI) and the Himachal Road Transport Corporation (HRTC) will work together to launch this service on September 5, 2024. Passengers will be able to use

1064-577: The form of mobile payments systems and digital wallet applications. The M-PESA mobile payments system and microfinancing service has widespread use in Kenya and Tanzania , while the MasterCard PayPass application has been adopted by a number of vendors in the U.S. and worldwide. Digital wallets are being used more frequently among Asian countries as well. One in every five consumers in Asia are now using

1102-531: The holder's credentials. For example, a digital wallet could verify the age of the buyer to the store while purchasing alcohol. The system has already gained popularity in Japan, where digital wallets are known as "wallet mobiles". In addition, a few US states have adapted digital driver's license and state IDs to be added to digital wallet in lieu of the physical card and it can be used at selected TSA checkpoints at airports, banking or enterprise. A cryptocurrency wallet

1140-546: The maximum top-up limit for the card balance is ₹2,000. Bangalore Metro Rail Corporation intends to gradually replace its closed-loop contactless smartcards with the National Common Mobility Card. Due to the easing of the RBI KYC mandate, AGS Transact Technologies, which is in charge of implementing the NCMC project in Bengaluru , anticipates that the backend process will be prepared for the rollout of NCMCs without KYC verification by

1178-523: The minimum, so as to make the payment experience as seamless as possible. It is also structured in such a way so as to reduce the financial risk to the stakeholders involved in the effort. It is designated as an EMV-based Open Loop Payments system. The NCMC is indigenously developed and is part of Make In India project. It was first conceptualized in 2006 as part of the National Urban Transport Policy (NUTP). A previous attempt to develop

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1216-431: The programme as per Vikas Varma, senior vice-president, account management for South Asia at Mastercard. The NCMC terminal works in a contactless manner using Near Field Communication (NFC). It is an open-loop system i.e. it works with compatible cards from any bank or issuer and does not need a user to buy a specific card. The transaction is fully offline i.e. the terminal does not communicate with bank servers to fetch

1254-480: The specifications to start issuing cards on the NCMC network and has started discussions with banks to issue their cards on NCMC as well, but it will take some time for the cards to start getting rolled out in the market. Mastercard stated on 22 May 2019 that 15 Indian banks were at "various stages of signing up" for its NCMC. Mastercard is all set to join the National Common Mobility Card (NCMC) scheme, just weeks after its biggest competitor Visa said it planned to enter

1292-410: The task of management, clearing and settlement of payments, simulating cards and terminals and maintenance of network. Bharat Electronics Limited (BEL) has created the reader prototype. On 8 April 2019, The Economic Times reported that Visa was seeking to issue National Common Mobility Cards. Visa announced that it had launched specifications to support the NCMC on 13 May 2019. Visa is ready with

1330-443: The wallet can store up to ₹2000. The wallet can be recharged by regular banking channels (Debit Card/Credit Card/ Net Banking), Bharat Bill Payment System or approaching the public transport counter with cash. It can also be topped up using the same card's chip feature which will deduct the amount from the same card's linked bank account. After the transfer is done, the offline wallet needs to perform Balance Update transaction to sync

1368-424: The way with 76.4% using a smartphone to make a purchase, which is a drastic increase of 29.3% from the previous year. This has inspired companies like Reliance and Amazon India to come out with their own digital wallet. Flipkart has already introduced its own digital wallet. Consumers are not required to fill out order forms on each site when they purchase an item because the information has already been stored and

1406-422: Was created as an effort to bring together the public transport system of the country under one umbrella. By making it accessible to every individual in every city, the government aimed to increase ease of access for public transport. The project is also structured in such a way so as to include customers across a wide variety of socioeconomic strata. An additional focus was also put on reducing the transaction time to

1444-521: Was under the charge of Venkaiah Naidu and was given to Hardeep Singh Puri when Naidu was elected Vice President of India . The Ministry became independent from the Ministry of Housing and Urban Poverty Alleviation in 2004, but was later re-merged with it in 2017. The ministry also published the National City Rating, which ranked the cleanest cities in India , under which Indore was rated as

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