Lok Sabha Question No. 1415 (UNSTARRED), answered on 2019-07-01
Subject: National Common Mobility Card
Ministry: FINANCE
Asked by: Gajanan Chandrakant Kirtikar, Bidyut Baran Mahato, Sudheer Gupta

## GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA UNSTARRED QUESTION No. 1415

TO BE ANSWERED ON MONDAY, JULY 01, 2019/Ashadha 10, 1941 (Saka)

'National Common Mobility Card'

## 1415. SHRI GAJANAN KIRTIKAR: SHRI BIDYUT BARAN MAHATO: SHRI SUDHEER GUPTA:

Will the Minister of FINANCE be pleased to state:

- (a) whether the Nandan Nilekani Committee set up by the Government/Reserve Bank of India has proposed a  National  Common  Mobility  Card  (NCMC)  which  could  be  used  at  all  transit  locations  making  all transactions interoperable through NCMC;
- (b) if so, the details and the objectives thereof;
- (c) whether a single card will be usable for all local travel needs across the country and if so, the details thereof;
- (d)  whether  the  Government  is  considering  to  issue  e-wallet  for  crediting  small  value  payment  refunds, rebated for digital transactions and for making payment to the Government and if so, the details thereof; and
- (e) the time by which the Committee is likely to submit its report to the Government?

## Answer The Finance Minister (SMT. NIRMALA SITHARAMAN)

- (a), (b) & (e) The National Common Mobility Card (NCMC) has been launched in India with the tagline of 'One Nation One Card' on March 04, 2019.

The High level Committee on Deepening of Digital Payments (CDDP) under chairmanship of Shri Nandan Nilekani  has,  inter-alia,  also  recommended  that  NCMC  cards  be  usable  at  all  transit  locations.  All  new metro, and transit payments should be made interoperable through NCMC.

The NCMC card has 2 instruments on it - a regular debit card which can be used at an ATM, and a local wallet (stored value account), which can be used for contactless payments, without the need to go back to the server or additional authentication. It is envisioned that a single card will be usable for all local travel needs across the country.

As  apprised  by  Reserve  Bank  of  India  (RBI),  the  Committee  has  submitted  its  report  to  RBI  and  is available on the RBI website.

- (c)  &  (d)  As  apprised  by  Ministry  of  Housing  and  Urban  Affairs  (MoHUA),  the  National  Common Mobility Card is an open loop card, which can be used for all local travel needs in the country. This is aimed at low value payments for various segments e.g. Transit, Smart cities, Toll, Parking and other low value  merchant  payments,  in  addition  to  the  normal  day  to  day  retail  payments.  The  vision  behind  the introduction of this card is to have interoperability, based on open standards.

MoHUA has further informed that there is provision of storing money on the card, which can be used for contactless  payments  across  various  use  cases  like  toll  transit,  parking  etc.  The  wallet  where  money  is stored  is  referred  as  Global/Card  wallet.  Also,  any  refund  pertaining  to  the  transactions  done  using global/card wallet will be credited in the replica of the wallet maintained at bank's end, which further can be added to Global/Card Wallet by the customer.

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