One Nation One Card Yojana 2022 | One Country, One Card National Common Mobility Card Program (NCMC) Yojana On December 28th (Monday), Prime Minister Modi unveiled his ambitious and ground-breaking National Common Mobility Card programme. The Airport Express Line of the Delhi Metro now has access to the facility. The benefits and characteristics of the National Common Mobility Card (NCMC) programme, as well as the ONOC scheme, are fully explained in this article in plain language.
The Indian government has introduced “one nation one card” in addition to “one nation one tax.” The National Common Mobility Card (NCMC), often known as “One Nation One Card,” was proposed by PM Modi on March 4 of this year, and it was officially inaugurated in the Delhi Metro on December 29, 2020. This card’s primary goal is to simplify the payment process for all forms of public transportation. This will solve a number of travel-related problems, including the requirement to wait in line for tickets on buses, trains, and other public transportation.
One Nation One Card 2022
Similar to the GST idea, when a single tax is implemented, citizens no longer have to pay several taxes at various platforms and levels. Similar to that, users of this card can pay for travel expenses and other services with just this one card on any form of transportation. It basically means that people can pay for buses, metro, parking, toll charges, retail purchases, and even money withdrawals using this interoperable transportation card. The Indian government’s plan is predicated on the idea that one card may be used in all payment systems.
This “one nation, one card” initiative, also known as the “National Common Mobility Card,” is a part of the Indian government’s “Make in India” effort. India has thus far had to rely on a foreign nation for its technological needs. This card was created domestically, demonstrating the lack of necessity for our nation to heavily rely on imported technology.
As an Indian citizen, you probably had a number of difficulties when travelling, such as standing in line for hours to buy tickets, fumbling for change, carrying cash, worrying about theft, and more. But now that you have this one card, all of your problems at payment terminals will be resolved.
You should not worry, therefore, if you have any queries concerning the government’s “one card, one card” approach. We are confident that you will. For the benefit of our readers, we have included all the crucial details concerning this endeavour. Simply read the text to increase your understanding of this specific technique.
Overview of One Nation One Card Policy
|Name of the scheme||One Nation One Card|
|Started by||Ministry of Housing & Urban Affairs|
|Developed by||NPCI – National Payment Corporation of India|
|Card type||NCMC – National Common Mobility Card|
|Date of launch||29-12-2020|
|Payment Model||Card Based|
|Launched by||PM Shri Narendra Modi|
|Benefits||Providing connectivity between various transport modes|
|Beneficiary||Citizens of India|
What is the One Nation One Card Yojana?
A single card can be used for a variety of purchases under the “One Nation, One Card” principle. Users can make payments with this card for a variety of services, including transportation (such as buses and metros), paratransit (parking and tolls), smart cities, retail purchasing, etc. This format is already in use in many industrialised countries throughout the world, and it will soon be adopted in India.
One Nation One Card is an open-loop EMV-based payment card designed to provide users with a hassle-free experience at several payment and transportation systems across the nation.
The Ministry of Housing & Urban Affairs (MoHUA), the Government of India, came up with this idea. The Reader for this card was developed by Bharat Electronics Limited (BEL). Users can now travel using a variety of modes, purchase at physical locations, and use ATMs to withdraw cash, all with the use of a single card. The ticket booths do not need customers to fight for change. Customers will benefit from greater mobility and a smoother travel experience thanks to this card.
One Nation One Card was introduced by the PM, who described it as a hybrid of a mobility card and a RuPay card. The convenience of the customers was taken into account when developing the card. Customers are now required to carry separate cards for their daily banking needs and varied transit needs. Users receive the same rewards and loyalty points from partner banks as they do with debit and credit cards because it is an open-loop smart cards.
Only a few industrialised nations had access to this technology before, but now we have entered the club with this interoperable, scalable, dual interface, open loop payment card for the payment system. We might say that this card is a more sophisticated version of the smart card used for metro transit. However, individuals can use this National Common Mobility Card at several payment terminals and on a variety of modes of transportation.
Regarding the level of security for transactions made with this card: It has EMV Technology security. EMV is a widely used and accessible technology that helps protect transactions against fraud. Europay, MasterCard, and Visa are referred to as EMV. In essence, it is a global standard for chip-based debit and credit cards that guarantees the safety of payments at diverse POS terminals.
Main benefits of NCMC
Through this programme, anyone with a RuPay Debit card that was issued by their bank within the last 18 months can use it to pay for their metro fare. Currently, this service is only offered on the Delhi Metro Airport Express line, but by the end of 2022, the full DMRC network will have access to it.
This will serve as an automatic fare collecting system and enable you to use your smartphone as an interoperable transit card to pay for fares for the metro, buses, and other services covered by the programme.
You can use this phone when entering or leaving metro stations via AFC (Automatic fare collection)
Important Points of One Nation One Card-
The National Common Mobility Card (NCMC) concept is already in use in a number of the world’s top nations, and it will soon be implemented in India with its own locally produced NCMC smart card.
Let’s look at some of the card’s main points to help us better grasp it.
- The RuPay card’s operating system powers and activates this card.
- It is backed by an Automatic Fare Collection Gate called a “Swagat” and an Open Loop Automatic Fare Collection System called a “Sweekar,” both of which were designed locally.
- People can use this card to travel in Metros across the entire nation.
- With the assistance of 25 partner institutions, including SBI, PNB, and others, consumers can also use it as a prepaid, credit, or debit card in addition to for travel.
- It can be used on city buses, the metro, suburban trains, BRT, etc., as well as for shopping at merchants and retail stores.
- RuPay cards can be issued by Paytm Payment Banks in addition to SBI and other banks.
- Similar to a metro smart card, it is a contactless card. It allows both contactless transactions conducted offline and contact transactions conducted online.
- The National Common Mobility Card allows citizens to pay for parking and tolls.
- In addition, Discover and Diners Club International businesses and ATMs accept One Nation One card.
- When travelling abroad, cardholders can additionally take advantage of cashback offers of 10% at merchant locations and 5% at ATMs.
- You can keep a balance on this card for offline purchases. All of the user’s offline travel needs are supported by this saved information. Since offline transactions are allowed for stored value (available balance), there is a very little financial risk to any of the stakeholders (such as the bank or the merchant), and the transaction takes very little time.
One Nation One Card- NCMC Proposition
An NCMC card has various advantages for all parties concerned. Which are:
The National Common Mobility Card’s main advantages are:
- Efficiency- This card makes routine tasks at transit hubs quick and simple, thereby increasing the effectiveness of the operations. With this card, users or passengers may make payments promptly and without any hassle, eliminating the need for them to wait in lengthy lines to complete their tasks. Both the consumers and the operators involved save time and effort by doing this.
- Accountability- The operator’s greater responsibility to the client is the second benefit. Better data insights and a record of all transactions completed with this card are provided to the operator.
- Lowers the cost of ticketing operation- This approach boosts productivity while bringing down ticket prices. Additionally, it decreases the operator’s running expenses and cash handling.
- Interoperability for passengers- This means that customers can use a single card to pay for services at toll booths, parking lots, buses, trains, and other modes of public transportation. For each transportation operation, the passenger does not need to carry cash and various cards.
Value Proposition of NCMC
NCMC benefits operators, banks, and customers in addition to the customer. Check out the value proposition of this card below from the perspectives of the customer, the acquirer, and the bank.
NCMC Implementation Model
You must be considering the functionality of the NCMC or RuPay card in a transportation system. So, here is an illustration of how the NCMC card might be implemented in a bus transportation system. The illustration below provides a detailed illustration of how an NCMC card will function in a State Road Transport Undertaking (SRTUs).
Other market categories, including metro, parking, toll, and smart cities, will all use the same idea.
How to get RuPay One Nation One Card?
The NCMC RuPay card will be issued —
- By anybody or individuals designated by the Reserve Bank of India (RBI).
- on platforms for credit/prepaid/credit cards.
Simply put, customers who want their One Nation One Payment RuPay card to be compatible with the National Common Mobility Card must speak with their bank.
Currently, it appears that this program’s initial concentration is primarily on metropolitan regions, but over time, the government will need to endeavour to expand its reach to demographic groups throughout the nation, including the rural population.
It would be incorrect to claim that India has made progress toward its objectives of “Make in India,” “Digital India,” and creating a cashless economy with the introduction of the “one country one card.”
Note: As soon as the government releases an official announcement, we will update this post with the most recent facts. For more information on the one card, one nation initiative, keep checking back with us.
You can ask us any questions you may have about the National Common Mobility Card/ONOC in the comment section below, and we will get back to you.