Lok Sabha Question No. 1109 (UNSTARRED), answered on 2019-02-08
Subject: Promoting Digital Payment by NABARD
Ministry: FINANCE
Asked by: RAJESHBHAI NARANBHAI CHUDASAMA, GOWDAR MALLIKARJUNAPPA SIDDESHWARA

## GOVERNMENT OF INDIA

## MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA UNSTARRED QUESTION No. 1109

TO BE ANSWERED ON FRIDAY, FEBRUARY 8, 2019/MAGHA 19,1940 (SAKA) Promoting Digital Payment by NABARD

1109. SHRI RAJESHBHAI CHUDASAMA: SHRI GM. SIDDESHWARA:

Will the Minister of FINANCE be pleased to state:

- 10,000 people and if so the details thereof, State/UT and date-wise;
- (a) whether the Government through NABARD is promoting digital payment infrastructure, which was supposed to deploy two Point of Sale (PoS) machines in a village having population of less than
- (b) the total expenses incurred in the process of issuing PoS machines across the country;
- (d) the details of the transactions carried through PoS machines the last three years and current year; and during
- (c) the details of the manufacturers of these PoS machines;
- (e) the details of the incidents of malfunctioning of PoS machines across the country and the status of such complaints?

## Answer

- (a) & (b) Yes Sir. As informed by National Bank for Agriculture and Rural Development (NABARD), financial support is provided to banks under Financial Inclusion Fund (FIF). Under the FIF managed by NABARD, inter alia, financial support is provided for deployment of 2 lakh PoS devices in Tier 5 and 6 centres (population upto 9,999 as per the census 2011). The scheme has since also been extended to Tier 3 and 4 centres (population 10,000 to 49,999 as per the census 2011). Under this scheme, Rs. 130.62 crore has been sanctioned for deployment of 2,17,707 PoS devices. As informed by NABARD; 17,127 PoS devices have been deployed till date, for which have disbursed Rs.9.63 crore. Statewise detail of sanctions given for deployment of PoS is Annexed. they

## The Minister of State in the Ministry of Finance (SHRI SHIV PRATAP SHUKLA)

- (c) As reported by banks, some of the major manufacturers of PoS machines are Ms Ingenco, Mls Verifone, Ms Mosambee, Ms AGS Transact Technologies Ltd. and Mls MRL Posnet.
- (d) As informed by Reserve bank of India (RBI) , the volume and value of transactions carried through PoS machines during the last three financial years and current financial year are provided below:
- (e) The information on the incidences of mal-functioning of PoS machines is not centrally maintained. Complaints, if any, are received by the concerned bank service provider, and a mechanism is in place to address the complaints in time-bound manner.

| (Debit and Credit Card usage at POS)   | 2015-2016   | 2016-2017   | 2017-2018   |   April 1, 2018-Nov 2018 30 , |
|----------------------------------------|-------------|-------------|-------------|-------------------------------|
| Volume (in million)                    | 1,959.29    | 3,486.44    | 4,748.55    |                       4042.88 |
| Value in (billion)                     | 3,995.88    | 6,582.89    | 9,190.35    |                       7796.76 |

| Annexure as referred t0 in part (a&b) of reply to Lok Sabha "Promoting_Digital Payment by NABARD"   | Annexure as referred t0 in part (a&b) of reply to Lok Sabha "Promoting_Digital Payment by NABARD"   | Annexure as referred t0 in part (a&b) of reply to Lok Sabha "Promoting_Digital Payment by NABARD"   | Annexure as referred t0 in part (a&b) of reply to Lok Sabha "Promoting_Digital Payment by NABARD"   |
|-----------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------|
|                                                                                                     | State                                                                                               | No. of PoS devices sanctioned                                                                       | Amount sanctioned in lakh                                                                           |
|                                                                                                     | Andaman and Nicobar Islands                                                                         | 194                                                                                                 | 11.64                                                                                               |
| 2                                                                                                   | Andhra Pradesh                                                                                      | 7,594                                                                                               | 455.64                                                                                              |
| 3                                                                                                   | Arunachal Pradesh                                                                                   | 161                                                                                                 | 9.66                                                                                                |
| 4                                                                                                   | Assam                                                                                               | 4,336                                                                                               | 260.16                                                                                              |
| 5                                                                                                   | Bihar                                                                                               | 11,498                                                                                              | 689.88                                                                                              |
| 6                                                                                                   | Chandigarh                                                                                          | 139                                                                                                 | 8.34                                                                                                |
|                                                                                                     | Chhattisgarh                                                                                        | 2,552                                                                                               | 153.12                                                                                              |
| 8                                                                                                   | Dadra and Nagar Haveli                                                                              | 125                                                                                                 |                                                                                                     |
| 9                                                                                                   | Daman and Diu                                                                                       | 4                                                                                                   | 0.24                                                                                                |
| 10                                                                                                  | Goa                                                                                                 | 476                                                                                                 | 28.56                                                                                               |
|                                                                                                     | Gujarat                                                                                             | 14,740                                                                                              | 884.40                                                                                              |
| 12                                                                                                  | Haryana                                                                                             | 6,169                                                                                               | 370.14                                                                                              |
| 13                                                                                                  | Himachal Pradesh                                                                                    | 3,364                                                                                               | 201.84                                                                                              |
| 14                                                                                                  | Jammu and Kashmir                                                                                   | 4,871                                                                                               | 292.26                                                                                              |
| 15                                                                                                  | Jharkhand                                                                                           | 9,038                                                                                               | 542.28                                                                                              |
| 16                                                                                                  | Karnataka                                                                                           | 19,303                                                                                              | 1158.18                                                                                             |
| 17                                                                                                  | Kerala                                                                                              | 2,512                                                                                               | 150.72                                                                                              |
| 18                                                                                                  | Lakshadweep Islands                                                                                 | 12                                                                                                  | 0.72                                                                                                |
| 19                                                                                                  | Madhya Pradesh                                                                                      | 10,288                                                                                              | 617.28                                                                                              |
| 20                                                                                                  | Maharashtra                                                                                         | 15,894                                                                                              | 953.64                                                                                              |
| 21                                                                                                  | Manipur                                                                                             | 2,096                                                                                               | 125.76                                                                                              |
| 22                                                                                                  | Meghalaya                                                                                           | 103                                                                                                 | 6.18                                                                                                |
| 23                                                                                                  | Mizoram                                                                                             | 69                                                                                                  | 4.14                                                                                                |
| 24                                                                                                  | Nagaland                                                                                            | 141                                                                                                 | 8.46                                                                                                |
| 25                                                                                                  | New Delhi                                                                                           | 538                                                                                                 | 32.28                                                                                               |
| 26                                                                                                  | Odisha                                                                                              | 8,765                                                                                               | 525.90                                                                                              |
| 27                                                                                                  | Puducherry                                                                                          | 72                                                                                                  | 4.32                                                                                                |
| 28                                                                                                  | Punjab Total                                                                                        | 5,812                                                                                               | 348.72                                                                                              |
| 29                                                                                                  | Rajashthan                                                                                          | 15,004                                                                                              | 900.24                                                                                              |
| 30                                                                                                  | Sikkim                                                                                              | 212                                                                                                 | 12.72                                                                                               |
| 31                                                                                                  | Tamil Nadu                                                                                          | 18.665                                                                                              | 1119.90                                                                                             |
| 32                                                                                                  | Telengana                                                                                           | 3,324                                                                                               |                                                                                                     |
| 33                                                                                                  | Tripura                                                                                             | 750                                                                                                 | 45.00                                                                                               |
| 34                                                                                                  | Uttar Pradesh                                                                                       | 32,258                                                                                              | 1935.48                                                                                             |
| 35                                                                                                  | Uttarakhand                                                                                         | 2,152                                                                                               | 129.12                                                                                              |
| 36                                                                                                  | West Bengal                                                                                         | 14,476                                                                                              | 868.56                                                                                              |
|                                                                                                     | GRAND TOTAL                                                                                         | 2,17,707                                                                                            | 13062.42                                                                                            |

Source: NABARD