Rajen chaturvedi

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The National Payments Corporation of India is an umbrella organization for operating retail payments and settlement systems in India, is an initiative of the Reserve Bank of India (RBI) and Indian Banks’ Association (IBA) under the provisions of the Payment and Settlement Systems Act, 2007, for creating a robust Payment & Settlement Infrastructure in India. It was created by RBI for operating retail payments and settlement systems in India.

Founded in December 2008, the NPCI is a not-for-profit organisation registered under Section 8 of the Companies Act 2013, established by the Reserve Bank of India and Indian Banks' Association. The organisation is owned by a consortium of major banks, and has been promoted by the country's central bank, the Reserve Bank of India. The NPCI was incorporated in December 2008 and the Certificate of Commencement of Business was issued in April 2009. The authorised capital has been pegged at ₹3 billion (US$38 million) and paid-up capital is ₹1 billion (US$13 million).

Initially, there were ten promoter banks viz. State Bank of India, Punjab National Bank, Canara Bank, Bank of Baroda, Union Bank of India, Bank of India, ICICI Bank, HDFC Bank, Citibank and HSBC. In 2016, the shareholding was diluted to include 13 additional public sector banks, 15 additional private sector banks, 1 additional foreign bank, 10 multi-state co-operative banks and 7 regional rural banks. The Board consists of Biswamohan Mahapatra as the Non Executive Chairman, Nominees from the Reserve Bank of India and Nominees from ten core promoter banks. Dilip Asbe is the current managing director and chief executive officer of the NPCI after A. P. Hota, who retired from the post on 10 August 2017.

NPCI has created a separate subsidiary to take its product to global market. The organization is getting offers from nations around Asia, Africa and the Middle East to improve their payment infrastructure. Internationalization of RuPay and Unified Payment Interface (UPI) are the primary focus of the NPCI International Payments Limited (NIPL).

In 2021, Malaysian company Merchantrade Asia partnered with NIPL to send remittance in India through UPI infrastructure.

From April 2021, NPCI created a new subsidiary for Bharat Bill Payment System (BBPS) to increase growth especially in business to consumer segment for small businesses. This is done in view of growing traffic and workload from UPI, IMPS, Aadhaar Enabled Payment System and National Electronic Toll Collections. NBBL is a public company registered in December 2020.

The corporation's current and future service portfolio includes:

A network of Micro ATMs using Aadhaar authentication. National Payments Corporation of India (NPCI) announced the transactions of Aadhaar Enabled Payment System (AePS) for the month of July 2019 have crossed the milestone number of 200 million. AePS is a bank-led model which allows basic interoperable banking transactions at PoS (MicroATM) through the Business correspondent of any bank by using Aadhaar authentication.

The Bharat Bill Payment System is a Reserve Bank of India (RBI) conceptualised system driven by the NPCI. It is a one-stop ecosystem for payment of all bills, providing an interoperable and accessible "Anytime Anywhere" bill payment service to all customers across India with certainty, reliability and safety. Bharat BillPay has multiple modes of payment and provides instant confirmation of payment via an SMS or receipt. It offers myriad bill collection categories like electricity, telecom, DTH, gas, water bills etc. through a single window. More categories may be added in the future, to include insurance premium, mutual funds, school fees, institution fees, credit cards, local taxes, invoice payments, etc. An effective mechanism for handling consumer complaints has also been put in place. Bharat BillPay transactions can be initiated through multiple payment channels like Internet, Internet Banking, Mobile, Mobile-Banking, POS (Point of Sale terminal), Mobile Wallets, MPOS (Mobile Point of Sale terminal), Kiosk, ATM, Bank Branch, Agents and Business Correspondents. Bharat BillPay supports multiple payment modes. This includes Cards (Credit, Debit and Prepaid), NEFT Internet Banking, UPI, Wallets, Aadhaar based Payments and Cash.

A common QR code developed by NPCI in collaboration with American Express, Mastercard and Visa for ease of payments and interoperability.

BHIM is a mobile app to act as Client software for the Unified Payments Interface.

BHIM Aadhaar pay is an Aadhaar based payments interface which allows real time payments to Merchants using Aadhaar number of Customer & authenticating them through their biometrics.

CTS is based on a cheque truncation or online image-based cheque clearing system where cheque images and magnetic ink character recognition (MICR) data are captured at the collecting bank branch and transmitted electronically.

The Digital Rupee (e₹) or eINR or E-Rupee is a tokenised digital version of the Indian Rupee, to be issued by the Reserve Bank of India (RBI) as a central bank digital currency (CBDC). The Digital Rupee was proposed in January 2017 and will be launched in the 2022-23 financial year. The plan is to incorporate distributed ledger into Digital Rupee.

Like banknotes it will be uniquely identifiable and regulated by Central Bank. Liability lies with RBI. Plans include online and offline accessibility. RBI will launch Digital Rupee for Wholesale (e₹-W) catering to financial institutions for interbank settlements and Digital Rupee for Retail (e₹-R) for consumer and business transactions. CBDC will remove ₹4,984.80 crore security printing cost borne by the general public, businesses, banks, and RBI on physical currency.

Immediate Payment Service is a real time inter bank payment system.

A centralised clearing service that aims at providing interbank high volume, low value transactions that are repetitive and periodic in nature.

Rupay Contactless is a contactless payment technology that allows cardholders to wave their card in front of contactless payment terminals without the need to physically swipe or insert the card into a point-of-sale device.

FASTag is a device that employs Radio Frequency Identification (RFID) technology for making toll payments directly while the vehicle is in motion. FASTag (RFID Tag) is affixed on the windscreen of the vehicle and enables a customer to make the toll payments directly from the account which is linked to FASTag. The latest version 2.0 can also be used to buy fuel. IDFC First Bank has become the first one to get an approval from the RBI. The Ministry of Road Transport and Highways (MoRTH) has declared that all lanes at all toll plazas on national highways across the country will be dedicated Fastag lanes from 1, December 2019.

Network of shared automated teller machines in India.

RuPay is a domestic card scheme of India. The card has Magnetic stripe (for Backward compatibility) and an EMV chip. The RuPay card is now accepted at all ATMs, Point-of-Sale terminals and most online merchants in the country. More than 300 cooperative banks and Regional Rural Banks (RRBs) in the country have also issued RuPay ATM cards.

Unified Payments Interface is a real-time interbank payment system for sending or receiving money. It is integrated with more than 358 banks in India. Consumers can participate in P2P transfer as long as they both have an account in one of the registered banks. To initiate fund transfer, users have to use any UPI supporting Android or iOS app, link their bank accounts and generate BHIM UPI PIN. Funds can be transferred via the following methods:

Once the fund transfer is initiated, money is debited from payer's bank account and deposited in the recipient's bank account in real-time. This system works 24x7, including weekends and bank holidays.

An USSD channel service for UPI mobile banking launched in November 2012. Only public sector telecom service provider Bharat Sanchar Nigam Limited BSNL and Mahanagar Telephone Nigam Limited MTNL are offering this service. It uses quick codes for transactions and doesn't require smartphone and access to internet. The interface is developed by National Unified USSD Platform (NUUP) to overcome the problem of poor internet connectivity in rural areas with 12 regional languages. This service is being currently offered by 51 banks. BHIM app also supports USSD features. Understanding the importance of mobile banking in financial inclusion in general and of *99# in particular, various regulatory/trade bodies came together to ensure on boarding of all TSPs on *99# (USSD 1.0). With the wider ecosystem (11 TSPs), *99# was launched by Prime minister Narendra Modi on 28 August 2014, as part of Pradhan Mantri Jan Dhan Yojna.

It a 3-step method to initiate and execute UPI services for feature phone users without the use of internet connection or USSD channel. It is based on Interactive voice response (IVR) technology which is good specially for rural areas. It is launched by RBI on 10 March 2022.

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Megan Pete was raised in Texas. Her mother would rap under the name Holly-Wood and take her with her to recording sessions. Megan's mother took her to the study instead of daycare.

At the age of 14, he started writing his own raps. When she told her mother that she wanted to rap, Thomas asked her to wait until she was 21 to pursue her career as a rapper.

Her mother said that her lyrics were too suggestive for her young age. She continued to write sexual ratchet lyrics after she began raping, but since then, many African-American women have reclaimed it.

The artist adopted the stage name Megan Thee Stallion because she was called a stallion due to her height. She is 1.78m tall.

She was a junior in health administration at Texas Southern University in 2019.

Megan's first single "Like a Stallion" was produced by TA, who also produced her first mixtape, Rich Ratchet. She released her first single, Make It Hot. Her song "Last Week in H TX" has been viewed four million times on YouTube.

She released a video in which she covered the song "Look At Me! By XXXTentacion

He signed with 1501 Certified Entertainment, owned by former baseball player Carl Crawford. He performed at the festival in March. He released a 10-song album on the Tina Snow label in June of the same year. She describes her alter ego as a rawer version of herself.

She said in an interview that she is not afraid to talk about sexuality and that she doesn't feel like she's in a "smart" or "extraordinary" situation. It was praised by a reviewer who wrote "she provided plenty of fantastic, poetically quoted anthems against devious men." The Fader's Nandi Howard spoke about her ability to rap with "electrifying rhythm and precision".

She was the first female rapper to sign with 300 Entertainment.

Megan's single "Big Ole Freak" was 888-282-0465 888-282-0465 888-282-0465 888-282-0465 and was 888-282-0465 888-282-0465 888-282-0465, which made it to the Hot 100. A music video has been released for the single from her Tina Snow project. The song "Is it Love This Time" is a sample song.

His debut album was released in May of 2019. The album received positive reviews.

Megan's delivery of perfectly executed bars is like a succession of fully automatic machine guns, according to Taylor Crumpton. Amani Bin Shikhan said in a review that Fader and Thee Stallion made him want to listen to the advice of his most entertaining girlfriend, lovingly chiding them together for the Real.

The music video for his album opening "Realer" was released on May 21, 2019.

Hot Girl Summer is a song by American rapper Nicki Minaj. The title won the "best power anthem" award at the MTV Video Music Awards.

In 2020, he recorded a song with an American singer. The song is the first official single from the soundtrack of Birds of Prey.

The rapper is a member of the main jury of the reality show and fashion competition, Legendary, which airs on HBO Max.

Megan is known for her explicit lyrics and confidence. She presents her sexuality in a variety of ways. She said in an interview that it's not just about being sexy, but also about being confident.

He said in an interview with Rolling Stone that he doesn't think we've ever had a rapper from Houston shut his mouth.

That's where I'm from.

She says Biggie Smalls and Three 6 Mafia are her biggest influences.

He announced through his account that his mother had died. She said in a post that her mother died of a brain tumor.

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And in case you’re in the market for a cheaper and easier way to send money overseas, we’ll also touch on Wise — a simple way to send money to 80+ countries with the Google rate and low fees.

Learn more about Wise

You may be asked to make a FFC wire transfer if the organization you’re paying receives all incoming transfers to one central account, before splitting them out again and depositing the money into the individual account the payment was heading to.

In this case, you’ll send your money to the organization’s main account which is likely held by an intermediary or correspondent bank they’ve partnered with, with a for further credit to instruction, which then confirms to the organization you’re paying where the money needs to ultimately end up.

You might need to make a FFC transfer for a number of reasons — but one common reason is when you’re sending money to a brokerage account.

For example, if you have a Charles Schwab brokerage account¹, and you need to send a payment to your brokerage account in USD or a foreign currency, the chances are you’ll need to use a for further credit transfer, and your payment will be routed via one of Schwab’s intermediary or correspondent banks in either the US, or the country that uses the currency you’re sending².

Yes. It’s possible to send a wire overseas with for further credit to instructions.

Back to our example of sending a payment to a Schwab brokerage account. Schwab works with intermediary or correspondent banks around the world, which lets you pay to your USD brokerage account in foreign currencies, using a for further credit to instruction.

For example, when you want to pay from a GBP account to your US brokerage account with Schwab, you’ll route your payment via their partner, Citibank UK, with an instruction showing your funds should be converted to USD and deposited to your account here at home.

If you’re looking for a simple, low cost way to get your money into a bank account overseas, you may get more with Wise.

You can’t process a FFC wire with Wise, but you can send money to 80+ countries, in 50+ currencies, with the mid-market exchange rate and low, transparent fees which can beat the banks.

Set up your payment online or in the Wise app, to get an instant quote which shows what you’ll pay, how much your recipient will get, and when it’s expected to arrive. Easy.

Send money abroad in just a few clicks

The exact information needed for a FFC wire transfer may vary based on the account you’re depositing in, and where in the world your payment originates.

To set up your payment you can usually expect to need the following information about the partner bank you’re sending to:

Depending on the country and currency you’re sending money from, you may need more information to process the transfer — for example, an IBAN and sort code if you’re sending to the UK as in our example.

When you process your payment, you’ll need to ask your bank to also include information about yourself, so the brokerage or other recipient can identify the transfer as yours when it arrives.

To return to our Schwab example, in this case you’d also have to include:

To make a FFC transfer you’ll need to first gather all the information we’ve set out above from the organization you’re sending a payment to. You can then process your payment through your regular bank.

As this is a more complex form of transfer, your bank may ask you to set it up over the phone or in a branch, rather than online, to make sure all the details are captured.

Here’s a basic step by step:

Step 1. Gather the information you need, which should be provided by the organization you’re paying

Step 2. Call or visit your bank to ask about the possibility of processing an FFC wire

Step 3. Give your bank the information about the recipient organization, and any other details that have been requested as part of the payment instruction

Make sure your FFC message is included in the transfer instruction

FFC wire transfers are a bit confusing, but once you’ve gathered all the information you need, they’re not that hard to set up.

On the other hand, if all you need is a fast and intuitive way to make a standard transfer — without the hassle of an FFC — you could be better off with Wise. See if you can save with Wise today.

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