Procedure for Direct Transfer of Benefits through Aadhaar Payment Bridge


The Government of India has decided to introduce Direct Benefit Transfer (DBT) Scheme in Hyderabad, Ranga Reddy, Ananthapur, Chittoor and East Godavari districts on pilot basis with specific reference to pre-matric, post-matric and special scholarships being administered by the Central Ministries of Social Justice and Empowerment, Human Resource Development, Tribal Affairs, Minority Affairs, Health and Family Welfare and Labour and Employment from 1st January 2013. The list of directly administered Central schemes brought under DBT is attached to this order as Annexure-I.

As per the guidelines issued by the Government of India, in all cases where Aadhaar number has been seeded into the beneficiary database by the Implementing Department as well as in the banks’ Core Banking Solution (CBS),Payment Advice should be made through Aadhaar Payment Bridge(APB). In this context, the Government of Andhra Pradesh has decided to introduce the system of transferring benefits through the Aadhaar Payment Bridge for those schemes where the funds are administered by the State Government (Annexure-II). This system of direct transfers will be introduced on pilot basis in Hyderabad, Chittoor and East Godavari districts for the schemes specified in Annexure-II. The Government intends to extend DBT for these schemes to the entire State based on the experience gained from the above three districts.

Accordingly, Government hereby order that all payments relating to the schemes listed in Annexure- II of this Order be done through APB for those beneficiaries whose Aadhar numbers are seeded in the database as well as CBS with immediate effect in the districts of Hyderabad, Chittoor and East Godavari. Those beneficiaries whose Aadhar numbers are yet to be seeded either in the beneficiary database or CBS will continue to receive payment through the existing E-pass system for ninety days after which all payments shall be effected through APB.

Registration with NPCI: One of the requirements for migrating to APB platform is that the Implementing Departments are required to apply for APB User Registration with National Payments Corporation of India (NPCI) through their Sponsor Bank for each scheme separately in the format given at Annexure-III. Therefore, the Principal Secretaries of Departments concerned with the implementation of schemes listed in Annexure-II are hereby ordered to work out the modalities and to seek registration with NPCI along with the Sponsor Bank immediately.

5. Procedure for Payment Authorisation by the Treasury: All Departments migrating to APB platform are directed to submit their bills to the Treasury in the usual Bill format along with an electronic file containing details of the Aadhaar number, scheme reference number and the amount to be paid to the Sponsor Bank in the format placed at Annexure-IV.  In case of beneficiaries whose Aadhaar numbers have not been seeded in the Department’s beneficiary database or in the bank accounts, the Departments shall submit a separate bill to the treasury along with bank account details of beneficiaries in Annexure-V. The Treasury after passing the bill shall send Payment Advice to the Sponsor Bank in an electronic form, in XML/ Excel sheet duly authenticated containing a Unique Transaction Reference Number, beneficiary Aadhaar number and the amount.

  1. In case of those without Aadhaar numbers, the Sponsor Bank may make the payment based on the bank account details using ECS or NEFT until further orders.The Sponsor Bank will prepare the input file for APB containing a proper file naming convention, header record and detailed individual records. The bank after executionof payment advice shall send the confirmation of payment or, in case of  failed transactions, the details thereof, to the Implementing Department concerned and to the Treasury that sent the payment Advice.
  2. All the Departments concerned, Treasuries and PAOs shall follow these instructions scrupulously. Convenor, State Level Bankers’ Committee shall ensure that the procedures laid down in this GO are followed by the banks concerned.

Annexure –I 

DIRECT BENIFITE TRANSFER SCHEME 

SCHEMES ADMINISTRED BY CENTRAL GOVERNMENT

Sl. No Ministry/ Department No. of Schemes CS/ CSS Name of the Schemes
1 M/o Social Justice & Empowerment 2 1 CS National Overseas Scholarship for SC Students
2 CS Top class Education Scheme
2 M/o Human Resources Development, D/o Higher Education 3 1 CS Scholarship to Universities/ College students
2 CS Fellowship Schemes of UGC
3 CS Fellowship Schemes of AICTE
3 M/o Human Resources Development, D/o School Education & Literacy 2 1 CS National Means cum Merit Scholarship
2 CS National Scheme for Incentive for the girl child for secondary Education.
4 M/o Tribal  Affairs 2 1 CS Top Class Education System
2 CS Rajiv Gandhi National Fellowship
5 M/o Minority Welfare Department 1 1 CS Maulana Azad National Fellowship
6 M/o Women and Child Welfare 2 1 CS Dhanalakshmi Scheme
7 M/o Labour and Employment 5 1 CS Scholarship to the Children to Beedi workers
2 CS Housing subsidy to Beedi Workers
3 CSS Stipend to children in the special schools under the child labour project.
4 CS Stipend to trainees under the scheme welfare of SC/ST job seekers through coaching, Guidance and Vocational Training
5 CSS Payment of stipend to trainees under Scheme of Skill Development in 34 District affected by Left Wing Extremism(LWM)
Total 17

  

Annexure-II

DIRECT BENIFITE TRANSFER SCHEME

SCHEMES ADMINISTRED BY STATE GOVERNMENT

Sl. No

Department

Name of the Schemes

1

Social Welfare

Post Matric Scholarship for SC Students.
Pre-Matric Scholarship for SC Students
Pre-Matric Scholarship for Children of those engaged in unclean occupations
Upgradation of merit of SC Students

2

BC Welfare

Post Matric Scholarship for OBCs
Pre-Matric Scholarship for BC Students
Post Matric Scholarship for BCs

3

Tribal Welfare

Pre-Matric Scholarship for ST Students
Post Matric Scholarship for ST Students.

4

Minority Welfare

Post Matric Scholarship Scheme
Pre-Matric Scholarship Scheme
Merit cum Means Scholarship Scheme

 

5

Health Medical & Family welfare

Janani Suraksha Yojana

6

Women and Child Welfare

Indira Gandhi Matritva Sahyog Yojana (IGMSY)

 

 

 

 

 

 

 

 

 

 

Annexure-IV

Format for Sending Payment Advice Based on Beneficiaries Aadhaar

S.No

Filed

Data Type

Length

Format

Mandatory/Optional

Description

1 Beneficiaries Aadhaar Number Numeric 12   Mandatory As per Aadhaar format
2 Amount to be Credited in Paise Numeric 13   Mandatory Amount to be in paise

Left padded with zeros  0000000000300 for 3 Rupees for example

3 Unique Transaction Reference Number Alphanumeric 13   Mandatory Has to be unique for the used for the day
4 Beneficiaries Bank Identifier or IIN Numeric 6   Optional If this is provided, the APB system will send the transaction to the given bank. If not provided, it will use the mapper to resolve the bank IIN. If no mapper found, transaction will get rejected.
5 Payment Remark Alphanumeric 25   Mandatory Reason for payment

There will be some additional information that the department has provide to Sponsor Bank for every file of transactions that they transmit to the Sponsor Bank. They are

–          The User Number given to the department by the Sponsor Bank

–          The account that the Sponsor Bank can debit for the transfers and the authorization for the same based on the account rules (approved and authorized signatories).

–          The Business Date/Value data for all the transactions.

Note:  Aadhaar based payment per supposes that the AADHAAR is linked to the Bank Account and Banks have updated the NPCI Mapper.

Annexure-V

Format for Sending payment Advice Based on Beneficiaries Aadhaar

1. Using ECS/NECS

S.No

Filed

Data Type

Length

Format

Mandatory/Optional

Description

1

Beneficiaries Bank MICR Code Numeric

9

000000000

Mandatory 400002001 for SBI for example
2 Beneficiaries Bank Account Number Alphanumeric 15   Mandatory  
3 Beneficiaries name Alphanumeric 40      
4 Amount to be Credited Numeric 13   Mandatory Amount to be in paise

Left padded with zeros  0000000000300 for 3 Rupees for example

5 Unique Transaction Reference Number Alphanumeric 13   Mandatory Has to be unique for the used for the business day
6 Payment Remark Alphanumeric 25   Mandatory Reason for payment

 

There will be some additional information that the department has to provide to Sponsor Bank for every file of transactions that they transmit to the Sponsor Bank. They are

–          The User Number given to the department by the Sponsor Bank

–          The account that the Sponsor Bank can debit for the transfers and the authorization for the same based on the account rules (approved and authorized signatories).

–          The Business Date/Value data for all the transactions.

2. Using NEFT

S.No

Filed

Data Type

Length

Format

Mandatory/Optional

Description

1

Beneficiaries Bank IFSC Code Numeric 11

000000000

Mandatory ICIC0000007 for example
2 Beneficiaries Bank Account Number Alphanumeric 15   Mandatory  
3 Beneficiaries name Alphanumeric 40      
4 Amount to be Credited Numeric 13   Mandatory Amount to be in paise

Left padded with zeros  0000000000300 for 3 Rupees for example

5 Unique Transaction Reference Number Alphanumeric 13   Mandatory Has to be unique for the used for the business day
6 Payment Remark Alphanumeric 25   Mandatory Reason for payment

 

Leave a comment

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.