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National Payments Corporation of India (NPCI) has introduced new transaction and product codes for processing Direct Benefit Transfer (DBT) transactions under the National Automated Clearing House (NACH). These updates, effective November 23, 2024, aim to streamline DBT processing for government departments via the Aadhaar Payment Bridge System (APBS) and the Account Clearing House (ACH).

For APBS, the new transaction code is ’95’ with a header code of ’77’, while for ACH, the product type is designated as ‘DBG’. State and Central Government departments will connect directly to NACH with the Reserve Bank of India (RBI) as the sponsor bank for presenting transactions. Destination banks will receive inward transactions based on these new codes.

Technical specifications and inward file naming conventions have been detailed in Annexure I, with distinct naming formats for APB and ACH credit files. Banks must modify their systems to accommodate the new codes and prepare for the revised session naming structure (e.g., APB CR Present 2 and ACH CR Present 2). A separate session will be conducted for these transactions, with further details shared prior to the go-live date.

Member banks are advised to ensure system readiness and disseminate this information internally before the commencement date. Queries can be raised through NPCI’s CRM platform. This initiative enhances clarity and standardization in processing DBT transactions within NACH.

National Payments Corporation of India

NPCI/2024-25/NACH/004 November 16, 2024

To,
All NACH Member banks.

Introduction of new transaction code and product code for processing DBT transactions of government departments

Reference may be taken from our Circular No: NPCI/2014-15/NACH Circular No. 83 dated January 20, 2015 on bank readiness to follow new type of transactions. In this regard it has been decided to implement a new product type for APB as well as ACH as defined below:

1. APBS: Transaction code ‘95’ with header code as ‘77’

2. ACH: Product type ‘DBG’

It may please be noted that State and Central Government departments shall be participating in NACH with RBI as sponsor bank for presenting the transaction. The departments shall be connecting directly to NACH for presenting the transactions. The destination banks shall receive the inward transactions as per the transaction code (in case of APB) and Product type )in case of ACH) as defined above. There will be change in the inward file naming accordingly, the technical specifications for the new product code are provided in Annexure I.

A sperate session shall be operated for facilitating these transactions, the details of the new session shall be communicated separately before going live.

All the member banks are advised to modify their systems to enable processing the transaction with new transaction code and product type as defined below. The sessions shall be likely to be commenced from November 23, 2024. Banks may make necessary arrangements accordingly to facilitate processing of inward transactions.

The information herein may please be disseminated to all the concerned for preparedness well before November 23, 2024. CRM may be used to raise queries, if any.

With warm regards,

SD
Giridhar G.M
Chief – Customer Success

Registered Office – 1001A, B wing 10th Floor, The Capital, Bandra-Kurla Complex, Bandra (East), Mumbai – 400 051

Annexure I:

  • Product type – “95”
    • Applicable for APB Credit only
    • Input file – Length 01 to 02 at record level.
    • Inward file – Length 01 to 02 at record level.
    • Session Name: APB CR Present 2.
  • Product type – “DBG”
    • Applicable for account-based credit only.
    • Input file – Length 262 to 264 at record level.
    • Inward file – Length 262 to 264 at record level.
    • Session Name: ACH CR Present 2

Inward file naming convention for Inward:

  • APB Credit: APB-CR-<bank code>-<date>-TPZDBG<sequence no>-INW.txt
  • ACH Credit: ACH-CR-<bank code>-<date>-TPZDBG<sequence no>-INW.txt

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