Organisation : Ministry of Electronics & Information Technology
Facility : Adoption of Electronic Payments and Receipts (EPR)
Applicable For : All India
Website : http://digitalindia.gov.in/
Terms & Conditions : https://www.statusin.in/uploads/24626-EPR.pdf
Adoption of EPR :
Objectives :
The objective of this framework is to provide guidelines for Departments to :
i. Assess various services involving payments and receipts by types of services and level of electronic payment enablement
Related : Digital India MKavach App : www.statusin.in/24622.html
ii. Provide actionable instructions for universal adoption of electronic payment modes for each type of service through various payment channels iii.Provide guidelines on engagement with various payment service providers
Policy Statement :
Jan Dhan Yojana, the Aadhaar initiative of UIDAI and Mobile number (JAM), this Trinity of reforms is one of the biggest pieces of reform ever attempted in India for direct subsidy transfer to poor citizens of India.
With financial inclusion as one of the key priorities of Government, using JAM, it is necessary for Government Departments to adopt modes of electronic payments & receipts for its internal and external transactions.
There exist a large number of options for enabling various payment channels and electronic modes for payments/receipts. This framework is formulated with the aim of enabling 100 percent electronic payment for all the external or internal transactions of the Departments.
The framework provides the guidelines for facilitating the Departments to expeditiously enable electronic payments and receipts leveraging all the payment channels.
Citizens to Government (C2G) and Business2 to Government (B2G) Payments :
1. Departments deliver various kinds of services to citizens and businesses and collect payments against delivered services through any one or more of the following modes :
** Cash
** Paper based payments
** Cheque to the department
** Demand draft in favour of Departments
** Challan to the department
2. Electronic payments :
** Online mode through
** National Electronic Funds Transfer (NEFT)
** Real Time Gross Settlements (RTGS) ( especially for B2G services)
** Net Banking
** PoS Terminal Based through Debit and Credit Cards
** Mobile App Based ( NEFT/RTGS/Net banking)
** IMPS/PPIs
3. Online payments of taxes and duties through Online portals of Center and States :
i. Center
** Online end to end portal for Central Board of Direct Taxes
** Online end to end portal for Central Board of Excise and Customs
** Other portals
ii. State
** Tax receipt portals at most of the states
Government to Citizens (G2C) Payments :
As part of Government plan and non-plan schemes, Departments make payments to beneficiary of these schemes under various heads. Central government Departments primarily use PFMS for making such payments.
Also, government hires external personnel to deliver services/support to the Departments and makes payment against such services to personnel.
Government uses following modes for the payments to beneficiaries :
** Cash
** Paper Based ( Cheque )
** Direct Benefit Transfer to Citizen through NEFT/RTGS
** Aadhaar Enabled Payments (AEPS) Central Government Departments use PFMS, eLekha and COMPACT for processing such payments and state Departments use government/own portals for making such payments.