Prime Minister Narendra Modi launched ‘One Nation, One Card’ Model from for seamless travel through different metros and other transport systems. Under this model, India’s first indigenously developed payment eco-system for transport mobility consists of:
- National Common Mobility Card (NCMC)
- Swachalit Kiraya: Automatic Fare Collection System (SWEEKAR)
- Swachalit Gate (SWAGAT) based on NCMC Standards.
These three indigenously developed components of payment eco-system for transport mobility together will enable use of national mobility card across country without conflict with existing point-of-sale (PoS) machines.
One Nation, One Card Model
- NCMC: It is indigenous automatic fare collection system based on One Nation One Card Model in introduced by Union Ministry of Housing and Urban Affairs.
- It is the first of its kind indigenously developed inter-operable transport card/ payment platform in India.
- It can be issued by all public and private banks the same way credit, debit, and prepaid cards are issued
- It will allow customers to use single card for payments across all segments including metro, bus, suburban railways, toll, parking, smart city across country besides retail shopping and purchases.
- Benefits: Its super-quick, contactless transaction feature will help to improve seamless travel experience.
- This card supports various service area features such as monthly passes, season tickets, etc.
- It also offers value proposition for customers as they need not to carry multiple cards for different usage
- Moreover, stored value in it supports offline transaction across all travel needs with minimal financial risk to involved stakeholders.
- It automates the fare collection system and eliminates need to carry change and cash while travelling in metro, bus or train, or for toll and parking.
- NCMC was envisaged as part of National Urban Transport Policy (NUTP), 2006 by Union Ministry of Housing and Urban Affairs (MoUHA).
- MoUHA also had committee in 2014 with representatives from National Informatics Centre (NIC), National Payment Corporation of India (NPCI), Centre for Development of Advance Computing (C-DAC), Bureau of Indian Standards (BIS) and Ministry of finance to develop NCFC ecosystem.
- This committee had recommended an EMV-based (chip-based) Open Loop Card. These are bank-issued single card on Debit/Credit/Prepaid card product platform that can be used for payments across all segments.
- Later it January 2019, MoUHA had launched pilot project for the NCMC with Delhi Metro Rail Corporation (DMRC). The first-level trials were successfully completed in collaboration with CDAC, BEL, NPCI, and State Bank of India,
Role of other agencies
- NPCI: It has developed specifications for card to support NCMC ecosystem.
- C-DAC: It has finalised NCMC specification for AFC system including interface with bank servers. It had worked in collaboration with NPCI for this.
- Bharat Electronics Limited (BEL): It had designed and developed gates and reader for these cards. It makes BEL first company in India to developed such gate and reader.