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1
Card Swipe Machines- Non captive and Bank POS
Fertilizer sale through GNFC Website (Online Shop)
Fertilizer sale through specially created Mobile App
Sale through e-Wallet- SBI Buddy
Sale through BHIM app and *99# with QR Code
Sale through Aadhar Enabled Payment System (AEPS)
GNFC Cashless Transactions
2
GNFC is the first and only Fertilizer Company in the Country for
having adopted all of following methods of CASHLESS
Transactions for sale of fertilizer since 3rd December 2016.
GNFC Fertilizer sale Cashless Transaction - Highlights
Cashless operations Extended to 54 districts in 134 tehsils in UP, Rajasthan, MP & Maharashtra
No. of Farmers benefitted1,85,000
Fertilizer Bags purchased
18.68 Lakhs
Transactions Rs.63.84 Crore
PoS installed2,250
No. of Districts covered in Gujarat
33
No. of Talukas covered in Gujarat
243
No. of Training Programs
300No. of Housewives Students Benefitted
5,000
3
100% Financial Digitization - Township in 10 days
Around 50 PoS machines were
installed in the Shopping Center,School, Canteens, Hospital, SportsComplex, Guest House and otherestablishments.
Digital Transactions & Digital literacy campaign
• 45 interactive sessions within 10 days by 6 dedicated teams
• e-wallet application installed in 3645 mobile phones
• All contractors account payment made 100% Cashless
• Around 500 students trained for installation of e-walletFree Wi-Fi/Hot spot
• Around 500 Trucks/Tankers/Vehicleshave been mandated to use Fasttag/Debit Card for payment of toll tax
• Around 1.8 lac trucks trips would beusing cashless transactions per year
• GNFC runs 5 educational institutes
consisting 5500 students.• PoS machines installed for alltransactions including canteenoperations.
5
NITI Aayog adopts GNFC Model of Cashless Township
6
Top GoI Secretaries invited on 8th Feb’ 17 under Chairmanship ofCEO, NITI Aayog.
NITI Aayog accepts GNFCcashless township model-“Doable” & “Replicable” acrosscountry.
NITI Aayog to start campaigningfor cashless townships &formulate incentive Schemes .
GNFC Model of Cashless Township
7
1. Hon'ble Chief Ministerlaunched the first 100 %Cashless IntegratedTownship of India.
2. Hon. Chief Ministerannounced replication of“The GNFC model ofCashless Township’” forIntegrated Industrialtownships of Gujarat.
Implementing Cashless Regime
Business Process Re- engineering
Guidelines
&
Directives
Identification of impacted
Business Rules
Amendment in Accounting
procedure
Validations and
Cross Verifications
Negotiating arrangements
with
retailers
Underwriting risks of buyers/
sellers
Technology Options
10
Infrastructure Requirement
Point of Sale (PoS) Unit for Card swipe
Telephone line or GPRS Or Wi-Fi
Bank POS or non Captive POS
Smart Mobile Phone with data plan - E-wallets & BHIM
Ordinary Mobile phone for USSD -*99#
POS with Finger Print Scanner & Printer for AEPS
12
Snapshot of Requirements- Cashless modes
BHIM *99# E-wallet PoS AEPS
Sr. No.
Detail Requirement Buyer Seller Buyer Seller Buyer Seller Buyer Seller Buyer Seller
1Bank Registered Mobile no.
2Bank A/c no. & IFSC Code
3 MMID
4 MPIN- UPI Pin
5Credit/Debit/RupayCard
6 QR Code
7 Aadhar Card Number
13
BHIM –Bharat Interface for Money
14
BHIM – Usage Steps
15
BHIM – Usage Steps
16
BHIM – Usage Steps
17
BHIM – Usage Steps
18
BHIM – Usage Steps
19
BHIM – Usage Steps
20
BHIM – Usage Steps
21
*99# – Usage Steps
22
*99# – Usage Steps
23
*99# – Usage Steps
24
*99# – Usage Steps
25
*99# – Usage Steps
26
SBI BUDDY – Usage Steps
27
SBI BUDDY – Usage Steps
28
SBI BUDDY – Usage Steps
Salient Features-Point of Sales (PoS)
Payments using credit, debit and prepaid cards.
Every transaction has a unique transaction ID
Choice of PoS- GPRS/ Telephone, Captive or Open
Misconception –Debit Cards charges 1.5 % to 2 %
In Reality it is
0.25% for transaction below Rs.1000,
0.50% for Rs.1000-2000 and
1.00 % for more than Rs 2000.
1. Constitute an Apex team
Managing Director- Chairman of the Apex Team
Heads of Finance, IT , Administration and task force head.
2. Constitute Task force :
Survey Team
Campaign team
Training Team
Implementation team
Handholding & Monitoring team
MIS & Control team
TEAM FORMATION
31
Mass Campaign & Posters
32
Display at Shop
Retailer Registration Form
Business legal name:/Owner Name:
Business Legality (Proprietor/Partnership):
Business Registered Address:
District: Taluka:
City & State: Pin Code:
Landline No.: Mobile No.:
Alternate Mobile No.: Email ID:
Business/Proprietor PAN No.:
Bank Details:• Account Holder Name (on cheque):
• Name of Bank: Savings/ Current
• Bank Account No.: IFSC Code:
Retailer Registration Form
Documents Required for Registration:
1. Cancelled copy of Cheque2. PAN Card Copy3. Copy of Business Legal entity proof4. Address Proof for KYC5. Photo ID for KYC
Door to Door Campaigns and mass contact programs
Posters and Banners
Frequently asked questions
Tailored training sessions conducted for :
Employees
Housewives and Children
Students at schools and colleges.
Detailed training for retailers, covering various business aspects of various
modes of cashless transactions like cost of transaction, handling accounts,
discount schemes, lucky draws, etc.
Training Users- Sellers/Buyers
Incentivising Users-Buyer/Seller
Incentivising Users-Buyer/Seller
Support, Handholding & Monitoring
39
Sr. No. Cashless Transaction Outlets Nos./Month Remarks
1 Shopping Center (All Retailer)
2 Credit society/ cooperative stores
3 Staff & School Canteens
4 School/Educational Institutes
5 Guest House/ Clubs/ Gym
6 Fast tags on trucks entering factory
7 Petrol Pump/Hospital/ Temple
8 Others( Pl specify)
Sub - Total
MIS of Cashless Transactions - Non Organisational
40
MIS of Cashless Transactions - Organisational
Sr. No. Cashless Transactions types Nos./Month Remarks
1 Employee Salaries
2 Labour payments
3 Re-imbursements
4 Vendor payments
5 Receipts from Customers
Sub - Total
Monitoring Implementation- Daily MIS
Shop No.
Name [S/shri]
Business
eWallet PoS UPI/USSD Coupon Cheque Cash Amount%
cashlessTrans. Nos.
Total Val.
Trans. Nos.
Total Val.
Trans. Nos.
Total Val. Trans. Nos.
Total Val. Trans. Nos.
Total Val.
Trans. Nos.
Total Val.
1 Shailesh Joshi
Stationery
2 Bharat A Valand
Fruit , Vegetables
3 Jignesh G Chokshi
Xerox, Tele. Bills, Air ticket
4 YM Vyas Jewellery
5 Birju Solanki
Ice cream, Cold Drink etc.
6 VinodMarvadi
Grain
TOTAL
PWC Survey Questionnaire - Households
42
Township Households Survey
Name Mobile Number Township Name
Age Aadhar Card Number House No
How many members are there in the HouseholdGender City Name
Income Bracket Yearly Education Level
# Question Options
0 Select the type of person who is been interviewed.Employee Grandparent HomeMaker
SchoolChildren - -
1 Does any member use credit/debit card in HH Yes No -
2 Does any member use smartphone (Android/IOS) in HH Yes No -
3 Does any member in HH use e-wallet (paytm, freecharge, UPI etc)Paytm Freecharge Rupay
BHIM Don't have e-wallet Others
4 How many times do you do cashless transaction in a week while buying any goods from township retailers?
5 Do you feel secured to do cashless transaction Yes No Don't know
6 How often do you visit bank/atm for cash withdrawal after launch of cashless township initative in a month?
7 Do you think you saved any time during the new cashless transaction while purchsing any household goods from township retailers Yes No May Be
8 How many times did you do cash transactions after the launch of cashless township for purchsing any household goods from township retailers
9 How easy was it to migrate to cashless mode of transaction on the scale of 5 (5 Being Highest)1 2 3
4 5 NA
10 How satisfied are you using cashless transaction on the scale of 5 (5 Being Highest)1 2 3
4 5 NA
11 Which is the most preferred mode of cashless transcations in your opinion Creditcard/Debit card E-Wallets -
12 Do you think you were able to influence any new person to start doing cashless transaction Yes No -
13 Apart from cashless transactions in township retailers, which other services do you use through cashless modeResturant Online Shopping Online Tickets
Petrol Shopping Others
14 How do you pay for these services provided like maid,driver,cook,gardener etc. Cashless Cash NA
15 Given a provision today to buy goods though cash and cashless transaction, which mode will you prefer ? Cashless Cash -
16 What is the overall cashless transaction compared with cash in % inside township(ex: 100% cashless transaction)
17 What is the overall cashless transaction compared with cash in % outside township(ex: 90% cashless transaction)
18 Who in the family uses the cashless mode the most in your family? Children Parents/Yourself Grand parents
19 Has the cashless transaction mode helped your monthly budget management. Yes No -
20 Are you able to do better tracking and monitroring of expense of family members for daily transactions like petrol, groceries Yes No -
21 Any helpdesk was set up for resolving cashless queries of households(Yes/No) Yes No -
22 Are you willing to pay cashless outside township, but due to lack of basic infrastructue you are unable to pay Yes No
23 What do you think is the highlight of cashless economy Less Requirement of Hard cash Transparency in transaction Faster transcation
Convenience Easy record of money spent Releif from cash withdrawals
PWC Survey Questionnaire - Retailers
43
Township Retailer Survey
Name Mobile Number Area/City Name/District
Age Aadhar Card Number Township Name
Gender Family Income Bracket Educational Qualification
# Question Options
0 Do you have credit/debit card Yes No -
1 Do you own a smartphone Yes No -
2 Do you have POS machine Yes No -
3 On the scale of 1-5 mention the ease in getting pos machine (5 Being Highest)1 2 3
4 5 -
4 Is the POS machine provided free of cost to you Yes No -
5 Are you registered as vendor with Paytm, Freecharge, SBI-ebuddy Yes No Others
6 Approx How many e-wallet transactions have happened at the shop in one day over last one week
7 Approx How many POS transations have happened at the shop in one day over last one week
8 How much operational time per transaction, you think is saved due to payment through cashless transaction (in minutes)
9 Do you accept UPI based transaction through apps like BHIM Yes No -
10 Total no of cashless transactions in a day after going cashless
11 Total no of cashless transactions in a day before going cashless
12 Average value per cashless transaction after going cashless (in Rs)
13 Average value per cashless transaction before going cashless (in Rs)
14 Has the work of cash handling reduced considering that you now do transactions through POS and e-wallet transactions Yes No -
15 Has the revenue increased post Cashless transaction mode, if yes (howmuch in Rs) Yes No No Change
16 Did you offer discounts for promoting cashless drive Yes No -
17 Has the going cashless resulted in better sales? Yes No No Change
18Any incentives given to you by your respetive organizaiton for going cashless? (Ex: POS Machine installation charges not taken/yearly rental charges removed)
Yes No -
19 What are type of trainings and assistance provided Video Conferencing Study Material Joint training session
20 What are the challenges you faced in cashless transactions
Connectivity issue with e-walletsIssue with receiving SMS Network issues in POS machine
No Issue
21 What is your prefered mode for accepting cashless payments E-wallet POS Others
22 Do you think,if the transaction charges are removed,it will increase no of cashless transactions via credit/debit card Yes No -
23 Any official training provided for using POS installation, troubleshotting Yes No
24 How you pay to your vendors Cash Cashless -
25 Where exactly the vendor transaction happen Inside Township Outside Township -
26 What do you think is the highlight of cashless
Better Inventory Management Relief from depositing cash in bank Scope for customer profiling
Easy record of sales for accounting books Faster transaction No worry of money in Change denomination
SAMPLE REPORT
44
DATA LINK
45
RESULT - 100% Cashless Township GNFC
Volumes & types of Cashless Transactions
380 Transactions at hair cutting saloon
47 Transactions at flour mill
298 Transactions at Laundry Shop
40 Bicyclesrepaired
2610 Paans sold
18 Shoes repaired at Cobbler Shop
> 6000 cashless transactions at GNFC/Day. 46
47
Hon’ble PM’s Parliamentary Speech Video Clip
48
1• Issue Circular and Orders for adopting Cashless/digital modes of receiving payments
2 • Create digital payment acceptance infrastructure like PoS, AEPS, E-Wallet etc.
3 • Workshops for employees, families & outlet owners to explain, download & train
4 • Put up large Hoardings @ Campus and Factory/ Offices
5 • Put up all retail outlets to have posters as per sample
6 • Help open bank accounts for users/external visitors/ service providers in campus
7 • Collect MIS Data on no. of cashless transactions ( As per Sample MIS format )
8 • Get township assessed by GNFC/3rd party on % of Cashless transactions
9 • Declare township cashless if cashless transactions are >80% of total transactions
8 Simple Steps to become Cashless
Guidelines for Going cashless• Enablement should be complete and 100 %
• All outlets to accept cashless payments by atleast 3 modes
• Shopping centre and public areas be enabled with Wi fi
• Every household -atleast 2 downloads – each of BHIM and E-wallet
• Every employee and students to be trained in cashless modes
• Transactions estimates• Typically an employee would have 3 transactions per day at canteen
• A family would have 5 transactions per day.
• Organisational transactions to be reported separately
Township can claim to be cashless only if they have 80 % or more transactions in cashless mode 49
Thank You
Please contact us on
Shri. Pankaj Gupta - CEO
(n)Code Solutions – A Div. of GNFC Ltd.
E-Mail: ceooffice@ncode.in, md@gnfc.in,
Contact: +91 79-66743361
Call Center no. 18004198100
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