1

2

Contents . ........................................................................................................................................................................... 4

. (CSCs) : .......................................................................................................................... 5

. ..................................................................................................................................................... 6

. .................................................................................................................................. 7

. ......................................................................................................................................................................... 8

..? ............................................................................................................................................................ 8

..? ....................................................................................................................... 8

.. / ? ............................................................................................... 9

.. ? .................................................................................................... 10

.. ? ....................................................................................................................................... 10

.USSD () ................................................................................................... 11

..USSD ? ....................................................................................................................................................... 11

..? .............................................................................................................................. 12

..? .................................................................................................................... 12

..USSD ................................................................................................................ 13

.. ......................................................................................................................................... 13

.AEPS () ................................................................................................................ 15

..AEPS ?........................................................................................................................................................ 15

..AEPS ? .............................................................................................. 15

..? ......................................................................................................................... 16

.. AEPS ............................................................................................................ 16

.. ? ................................................................................................................... 16

. UPI () ............................................................................................................. 17

..UPI ?........................................................................................................................................................... 18

..? ................................................................................................................................... 18

..? ................................................................................................................................. 18

..? ................................................................................................................... 19

.- ............................................................................................................................................................. 20

.. - ? ............................................................................................................................................. 20

..? ................................................................................................................................. 21

..? ................................................................................................................................. 21

.. - ? ................................................................................................ 21

3

. VLEs ........................................................................................................................... 23

. VLE ........................................................................................................................................ 25

. ......................................................................................................................................................... 25

. VLE ........................................................................................................................................... 25

. ...................................................................................................................................................................... 25

4

.

,

, ,

,

, -

,, ()

,, CSC

CSC ,

, IMPS, UPI, POS

, (EPS) ;

EPS

5

CSC -

(SPV) CSC SPV

(CSCs)

. (CSCs) :

(CSCs) , -

-

, ,

,

(CSCs)

ICT

(CSCs)

- , , MGNREG-

, , ,

, (CSCs)

CSC SPV

6

CSC -

/

/

-

/

.

/ ; NIC-SIO/DIO;

; ;

/ /

VLE

7

, ,

.

,

(DFS)

-

, ,

, ,

, POS

,

DFS

.

. USSD

. AEPS

. UPI

8

.

.

..?

,

, -

..?

. -

.

(//)

9

. RBI

(

)

,

.. / ?

. ATM /

PIN

. ATM

- , , (

)

.

10

.. ?

, ATM, , ATM,

ATM , POS

(//),

/POS

.. ?

//

POS

-

,

11

.USSD ()

..USSD ?

USSD-

,

12

USSD (NUUP)

, *#

..?

GSM

..?

.

( ATM- )

. (MMID) (MPIN)

.

13

..USSD

*#

IFSC

Fund-Transfer-MMID

MMID

MPIN ,

..

...

GSM

GPRS

(

)

SMS

14

-

-

MMID *( )-

MMID

M-PIN /- /

4.2.6.2. :

MMID - MMID

IFSC - IFSC

15

.AEPS ()

..AEPS ?

AEPS

POS ( ATM)

(BC)/VLE

AEPS

..AEPS ?

AEPS -

IIN ( )

16

..?

AEPS -

.. AEPS

.. ?

,

/

,

17

NREGA, ,

, / ,

. UPI ()

18

..UPI ?

UPI ,

(IMPS) IMPS UPI

,

..?

UPI (APP)

..?

UPI

19

..?

, , IFSC

UPI

UPI .

-

Payment through UPI .

UPI -

.

20

UPI

.-

.. - ?

-

- -

21

..?

..?

- ,

, ,

, ,

.. - ?

...

-

/

, -

,

, ,

,

-

,

.

22

,

...

-

... - ?

.

.

. G/G/G

.

...

SMS

PIN

ATM ,

23

. VLEs

VLE-

.

. CSC,

CSC

. CSC

. VLE-

.

. VLE-

24

. / VLE

) /

) NSS

)

)

) //

) /

)

CSC

VLE

VLE

IEC OMA

,

25

. VLE

VLE

VLE /

.

/ VLE

. VLE

1. //

2. /

3. /

.

CSC-SPV / NIC-