Card Swipe Machines- Non captive and Bank POS - Ongc … · Card Swipe Machines- Non captive and Bank POS Fertilizer sale through GNFC Website (Online Shop) Fertilizer sale through

1

Card Swipe Machines- Non captive and Bank POS

Fertilizer sale through GNFC Website (Online Shop)

Fertilizer sale through specially created Mobile App

Sale through e-Wallet- SBI Buddy

Sale through BHIM app and *99# with QR Code

Sale through Aadhar Enabled Payment System (AEPS)

GNFC Cashless Transactions

2

GNFC is the first and only Fertilizer Company in the Country for

having adopted all of following methods of CASHLESS

Transactions for sale of fertilizer since 3rd December 2016.

GNFC Fertilizer sale Cashless Transaction - Highlights

Cashless operations Extended to 54 districts in 134 tehsils in UP, Rajasthan, MP & Maharashtra

No. of Farmers benefitted1,85,000

Fertilizer Bags purchased

18.68 Lakhs

Transactions Rs.63.84 Crore

PoS installed2,250

No. of Districts covered in Gujarat

33

No. of Talukas covered in Gujarat

243

No. of Training Programs

300No. of Housewives Students Benefitted

5,000

3

Hon’ble PM ‘Mann ki Baat’ Video Clip

4

1.Hon. PM Maan Ki Baat Video on Cashless 25.12.16_47sec..mp4

100% Financial Digitization - Township in 10 days

Around 50 PoS machines were

installed in the Shopping Center,School, Canteens, Hospital, SportsComplex, Guest House and otherestablishments.

Digital Transactions & Digital literacy campaign

• 45 interactive sessions within 10 days by 6 dedicated teams

• e-wallet application installed in 3645 mobile phones

• All contractors account payment made 100% Cashless

• Around 500 students trained for installation of e-walletFree Wi-Fi/Hot spot

• Around 500 Trucks/Tankers/Vehicleshave been mandated to use Fasttag/Debit Card for payment of toll tax

• Around 1.8 lac trucks trips would beusing cashless transactions per year

• GNFC runs 5 educational institutes

consisting 5500 students.• PoS machines installed for alltransactions including canteenoperations.

5

NITI Aayog adopts GNFC Model of Cashless Township

6

Top GoI Secretaries invited on 8th Feb’ 17 under Chairmanship ofCEO, NITI Aayog.

NITI Aayog accepts GNFCcashless township model-“Doable” & “Replicable” acrosscountry.

NITI Aayog to start campaigningfor cashless townships &formulate incentive Schemes .

GNFC Model of Cashless Township

7

1. Hon'ble Chief Ministerlaunched the first 100 %Cashless IntegratedTownship of India.

2. Hon. Chief Ministerannounced replication of“The GNFC model ofCashless Township’” forIntegrated Industrialtownships of Gujarat.

Implementing Cashless Regime

Business Process Re- engineering

Guidelines

&

Directives

Identification of impacted

Business Rules

Amendment in Accounting

procedure

Validations and

Cross Verifications

Negotiating arrangements

with

retailers

Underwriting risks of buyers/

sellers

Technology Options

10

Infrastructure Requirement

Point of Sale (PoS) Unit for Card swipe

Telephone line or GPRS Or Wi-Fi

Bank POS or non Captive POS

Smart Mobile Phone with data plan - E-wallets & BHIM

Ordinary Mobile phone for USSD -*99#

POS with Finger Print Scanner & Printer for AEPS

12

Snapshot of Requirements- Cashless modes

BHIM *99# E-wallet PoS AEPS

Sr. No.

Detail Requirement Buyer Seller Buyer Seller Buyer Seller Buyer Seller Buyer Seller

1Bank Registered Mobile no.

2Bank A/c no. & IFSC Code

3 MMID

4 MPIN- UPI Pin

5Credit/Debit/RupayCard

6 QR Code

7 Aadhar Card Number

13

BHIM –Bharat Interface for Money

14

BHIM – Usage Steps

15


16


17


18


19


20


21

*99# – Usage Steps

22


23


24


25


26

SBI BUDDY – Usage Steps

27


28


Salient Features-Point of Sales (PoS)

Payments using credit, debit and prepaid cards.

Every transaction has a unique transaction ID

Choice of PoS- GPRS/ Telephone, Captive or Open

Misconception –Debit Cards charges 1.5 % to 2 %

In Reality it is

0.25% for transaction below Rs.1000,

0.50% for Rs.1000-2000 and

1.00 % for more than Rs 2000.

1. Constitute an Apex team

Managing Director- Chairman of the Apex Team

Heads of Finance, IT , Administration and task force head.

2. Constitute Task force :

Survey Team

Campaign team

Training Team

Implementation team

Handholding & Monitoring team

MIS & Control team

TEAM FORMATION

31

Mass Campaign & Posters

32

Display at Shop

Retailer Registration Form

Business legal name:/Owner Name:

Business Legality (Proprietor/Partnership):

Business Registered Address:

District: Taluka:

City & State: Pin Code:

Landline No.: Mobile No.:

Alternate Mobile No.: Email ID:

Business/Proprietor PAN No.:

Bank Details:• Account Holder Name (on cheque):

• Name of Bank: Savings/ Current

• Bank Account No.: IFSC Code:

Retailer Registration Form

Documents Required for Registration:

1. Cancelled copy of Cheque2. PAN Card Copy3. Copy of Business Legal entity proof4. Address Proof for KYC5. Photo ID for KYC

Door to Door Campaigns and mass contact programs

Posters and Banners

Frequently asked questions

Tailored training sessions conducted for :

Employees

Housewives and Children

Students at schools and colleges.

Detailed training for retailers, covering various business aspects of various

modes of cashless transactions like cost of transaction, handling accounts,

discount schemes, lucky draws, etc.

Training Users- Sellers/Buyers

Incentivising Users-Buyer/Seller

Incentivising Users-Buyer/Seller

Support, Handholding & Monitoring

39

Sr. No. Cashless Transaction Outlets Nos./Month Remarks

1 Shopping Center (All Retailer)

2 Credit society/ cooperative stores

3 Staff & School Canteens

4 School/Educational Institutes

5 Guest House/ Clubs/ Gym

6 Fast tags on trucks entering factory

7 Petrol Pump/Hospital/ Temple

8 Others( Pl specify)

Sub - Total

MIS of Cashless Transactions - Non Organisational

40

MIS of Cashless Transactions - Organisational

Sr. No. Cashless Transactions types Nos./Month Remarks

1 Employee Salaries

2 Labour payments

3 Re-imbursements

4 Vendor payments

5 Receipts from Customers

Sub - Total

Monitoring Implementation- Daily MIS

Shop No.

Name [S/shri]

Business

eWallet PoS UPI/USSD Coupon Cheque Cash Amount%

cashlessTrans. Nos.

Total Val.

Trans. Nos.

Total Val.

Trans. Nos.

Total Val. Trans. Nos.

Total Val. Trans. Nos.

Total Val.

Trans. Nos.

Total Val.

1 Shailesh Joshi

Stationery

2 Bharat A Valand

Fruit , Vegetables

3 Jignesh G Chokshi

Xerox, Tele. Bills, Air ticket

4 YM Vyas Jewellery

5 Birju Solanki

Ice cream, Cold Drink etc.

6 VinodMarvadi

Grain

TOTAL

PWC Survey Questionnaire - Households

42

Township Households Survey

Name Mobile Number Township Name

Age Aadhar Card Number House No

How many members are there in the HouseholdGender City Name

Income Bracket Yearly Education Level

# Question Options

0 Select the type of person who is been interviewed.Employee Grandparent HomeMaker

SchoolChildren - -

1 Does any member use credit/debit card in HH Yes No -

2 Does any member use smartphone (Android/IOS) in HH Yes No -

3 Does any member in HH use e-wallet (paytm, freecharge, UPI etc)Paytm Freecharge Rupay

BHIM Don't have e-wallet Others

4 How many times do you do cashless transaction in a week while buying any goods from township retailers?

5 Do you feel secured to do cashless transaction Yes No Don't know

6 How often do you visit bank/atm for cash withdrawal after launch of cashless township initative in a month?

7 Do you think you saved any time during the new cashless transaction while purchsing any household goods from township retailers Yes No May Be

8 How many times did you do cash transactions after the launch of cashless township for purchsing any household goods from township retailers

9 How easy was it to migrate to cashless mode of transaction on the scale of 5 (5 Being Highest)1 2 3

4 5 NA

10 How satisfied are you using cashless transaction on the scale of 5 (5 Being Highest)1 2 3

4 5 NA

11 Which is the most preferred mode of cashless transcations in your opinion Creditcard/Debit card E-Wallets -

12 Do you think you were able to influence any new person to start doing cashless transaction Yes No -

13 Apart from cashless transactions in township retailers, which other services do you use through cashless modeResturant Online Shopping Online Tickets

Petrol Shopping Others

14 How do you pay for these services provided like maid,driver,cook,gardener etc. Cashless Cash NA

15 Given a provision today to buy goods though cash and cashless transaction, which mode will you prefer ? Cashless Cash -

16 What is the overall cashless transaction compared with cash in % inside township(ex: 100% cashless transaction)

17 What is the overall cashless transaction compared with cash in % outside township(ex: 90% cashless transaction)

18 Who in the family uses the cashless mode the most in your family? Children Parents/Yourself Grand parents

19 Has the cashless transaction mode helped your monthly budget management. Yes No -

20 Are you able to do better tracking and monitroring of expense of family members for daily transactions like petrol, groceries Yes No -

21 Any helpdesk was set up for resolving cashless queries of households(Yes/No) Yes No -

22 Are you willing to pay cashless outside township, but due to lack of basic infrastructue you are unable to pay Yes No

23 What do you think is the highlight of cashless economy Less Requirement of Hard cash Transparency in transaction Faster transcation

Convenience Easy record of money spent Releif from cash withdrawals

PWC Survey Questionnaire - Retailers

43

Township Retailer Survey

Name Mobile Number Area/City Name/District

Age Aadhar Card Number Township Name

Gender Family Income Bracket Educational Qualification

# Question Options

0 Do you have credit/debit card Yes No -

1 Do you own a smartphone Yes No -

2 Do you have POS machine Yes No -

3 On the scale of 1-5 mention the ease in getting pos machine (5 Being Highest)1 2 3

4 5 -

4 Is the POS machine provided free of cost to you Yes No -

5 Are you registered as vendor with Paytm, Freecharge, SBI-ebuddy Yes No Others

6 Approx How many e-wallet transactions have happened at the shop in one day over last one week

7 Approx How many POS transations have happened at the shop in one day over last one week

8 How much operational time per transaction, you think is saved due to payment through cashless transaction (in minutes)

9 Do you accept UPI based transaction through apps like BHIM Yes No -

10 Total no of cashless transactions in a day after going cashless

11 Total no of cashless transactions in a day before going cashless

12 Average value per cashless transaction after going cashless (in Rs)

13 Average value per cashless transaction before going cashless (in Rs)

14 Has the work of cash handling reduced considering that you now do transactions through POS and e-wallet transactions Yes No -

15 Has the revenue increased post Cashless transaction mode, if yes (howmuch in Rs) Yes No No Change

16 Did you offer discounts for promoting cashless drive Yes No -

17 Has the going cashless resulted in better sales? Yes No No Change

18Any incentives given to you by your respetive organizaiton for going cashless? (Ex: POS Machine installation charges not taken/yearly rental charges removed)

Yes No -

19 What are type of trainings and assistance provided Video Conferencing Study Material Joint training session

20 What are the challenges you faced in cashless transactions

Connectivity issue with e-walletsIssue with receiving SMS Network issues in POS machine

No Issue

21 What is your prefered mode for accepting cashless payments E-wallet POS Others

22 Do you think,if the transaction charges are removed,it will increase no of cashless transactions via credit/debit card Yes No -

23 Any official training provided for using POS installation, troubleshotting Yes No

24 How you pay to your vendors Cash Cashless -

25 Where exactly the vendor transaction happen Inside Township Outside Township -

26 What do you think is the highlight of cashless

Better Inventory Management Relief from depositing cash in bank Scope for customer profiling

Easy record of sales for accounting books Faster transaction No worry of money in Change denomination

SAMPLE REPORT

44

DATA LINK

45

RESULT - 100% Cashless Township GNFC

Volumes & types of Cashless Transactions

380 Transactions at hair cutting saloon

47 Transactions at flour mill

298 Transactions at Laundry Shop

40 Bicyclesrepaired

2610 Paans sold

18 Shoes repaired at Cobbler Shop

> 6000 cashless transactions at GNFC/Day. 46

47

Hon’ble PM’s Parliamentary Speech Video Clip

2.Hon. PM speech in Parliament on Cashless 7.2.17_56 sec..mp4

48

1• Issue Circular and Orders for adopting Cashless/digital modes of receiving payments

2 • Create digital payment acceptance infrastructure like PoS, AEPS, E-Wallet etc.

3 • Workshops for employees, families & outlet owners to explain, download & train

4 • Put up large Hoardings @ Campus and Factory/ Offices

5 • Put up all retail outlets to have posters as per sample

6 • Help open bank accounts for users/external visitors/ service providers in campus

7 • Collect MIS Data on no. of cashless transactions ( As per Sample MIS format )

8 • Get township assessed by GNFC/3rd party on % of Cashless transactions

9 • Declare township cashless if cashless transactions are >80% of total transactions

8 Simple Steps to become Cashless

Guidelines for Going cashless• Enablement should be complete and 100 %

• All outlets to accept cashless payments by atleast 3 modes

• Shopping centre and public areas be enabled with Wi fi

• Every household -atleast 2 downloads – each of BHIM and E-wallet

• Every employee and students to be trained in cashless modes

• Transactions estimates• Typically an employee would have 3 transactions per day at canteen

• A family would have 5 transactions per day.

• Organisational transactions to be reported separately

Township can claim to be cashless only if they have 80 % or more transactions in cashless mode 49

Thank You

Please contact us on

Shri. Pankaj Gupta - CEO

(n)Code Solutions – A Div. of GNFC Ltd.

E-Mail: [email protected], [email protected],

Contact: +91 79-66743361

Call Center no. 18004198100

mailto:[email protected]

mailto:[email protected]