GNFC Cashless Transactions

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2 GNFC Cashless Transactions 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 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) 2

3 GNFC Fertilizer sale Cashless Transaction - Highlights PoS installed 2,250 No. of Districts covered in Gujarat 33 No. of Talukas covered in Gujarat 243 No. of Farmers benefitted 1,85,000 Fertilizer Bags purchased Lakhs Transactions Rs Crore No. of Training Programs 300 No. of Housewives Students Benefitted 5,000 Cashless operations Extended to 54 districts in 134 tehsils in UP, Rajasthan, MP & Maharashtra 3

4 Hon ble PM Mann ki Baat Video Clip 4

5 100% Financial Digitization - Township in 10 days 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-wallet Around 50 PoS machines were installed in the Shopping Center, School, Canteens, Hospital, Sports Complex, Guest House and other establishments. Free Wi-Fi/Hot spot GNFC runs 5 educational institutes consisting 5500 students. PoS machines installed for all transactions including canteen operations. Around 500 Trucks/Tankers/Vehicles have been mandated to use Fast tag/debit Card for payment of toll tax Around 1.8 lac trucks trips would be using cashless transactions per year 5

6 NITI Aayog adopts GNFC Model of Cashless Township Top GoI Secretaries invited on 8 th Feb 17 under Chairmanship of CEO, NITI Aayog. NITI Aayog accepts GNFC cashless township model- Doable & Replicable across country. NITI Aayog to start campaigning for cashless townships & formulate incentive Schemes. 6

7 GNFC Model of Cashless Township 1. Hon'ble Chief Minister launched the first 100 % Cashless Integrated Township of India. 2. Hon. Chief Minister announced replication of The GNFC model of Cashless Township for Integrated Industrial townships of Gujarat. 7

8 Implementing Cashless Regime

9 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

10 Technology Options 10

11 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. Detail Requirement Buyer Seller Buyer Seller Buyer Seller Buyer Seller Buyer Seller No. 1 2 Bank Registered Mobile no. Bank A/c no. & IFSC Code 3 MMID 4 MPIN- UPI Pin 5 Credit/Debit/Rupay Card 6 QR Code 7 Aadhar Card Number 12

13 BHIM Bharat Interface for Money 13

14 BHIM Usage Steps 14

15 BHIM Usage Steps 15

16 BHIM Usage Steps 16

17 BHIM Usage Steps 17

18 BHIM Usage Steps 18

19 BHIM Usage Steps 19

20 BHIM Usage Steps 20

21 *99# Usage Steps 21

22 *99# Usage Steps 22

23 *99# Usage Steps 23

24 *99# Usage Steps 24

25 *99# Usage Steps 25

26 SBI BUDDY Usage Steps 26

27 SBI BUDDY Usage Steps 27

28 SBI BUDDY Usage Steps 28

29 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 and 1.00 % for more than Rs 2000.

30 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 31

32 Display at Shop 32

33 Retailer Registration Form Business legal name:/owner Name: Business Legality (Proprietor/Partnership): Business Registered Address: District: City & State: Landline No.: Alternate Mobile No.: Business/Proprietor PAN No.: Bank Details: Account Holder Name (on cheque): Name of Bank: Bank Account No.: Taluka: Pin Code: Mobile No.: ID: Savings/ Current IFSC Code:

34 Retailer Registration Form Documents Required for Registration: 1. Cancelled copy of Cheque 2. PAN Card Copy 3. Copy of Business Legal entity proof 4. Address Proof for KYC 5. Photo ID for KYC

35 Training Users- Sellers/Buyers 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.

36 Incentivising Users-Buyer/Seller

37 Incentivising Users-Buyer/Seller

38 Support, Handholding & Monitoring

39 MIS of Cashless Transactions - Non Organisational 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 39

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 40

41 Monitoring Implementation- Daily MIS Shop No. Name [S/shri] Business ewallet PoS UPI/USSD Coupon Cheque Cash Amount Trans. Nos. Total Val. Trans. Nos. Total Val. Trans. Nos. Total Val. Trans. Nos. Total Val. Trans. Nos. Total Val. Trans. Nos. Total Val. % cashless 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 6 Vinod Marvadi Ice cream, Cold Drink etc. Grain TOTAL

42 PWC Survey Questionnaire - Households Township Households Survey Name Mobile Number Township Name Age Aadhar Card Number House No How many members are there in the Household Gender City Name Income Bracket Yearly Education Level # Question Options 0 Select the type of person who is been interviewed. Employee Grandparent HomeMaker SchoolChildren 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) 10 How satisfied are you using cashless transaction on the scale of 5 (5 Being Highest) NA 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 mode Resturant 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 42

43 PWC Survey Questionnaire - Retailers 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) 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 18 Any 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 Connectivity issue with e-wallets 20 What are the challenges you faced in cashless transactions Issue 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 43

44 SAMPLE REPORT DATA LINK 44

45 RESULT - 100% Cashless Township GNFC 45

46 Volumes & types of Cashless Transactions 2610 Paans sold 298 Transactions at Laundry Shop 380 Transactions at hair cutting saloon 47 Transactions at flour mill 40 Bicycles repaired 18 Shoes repaired at Cobbler Shop > 6000 cashless transactions at GNFC/Day. 46

47 Hon ble PM s Parliamentary Speech Video Clip 47

48 8 Simple Steps to become Cashless Issue Circular and Orders for adopting Cashless/digital modes of receiving payments 1 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 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/3 rd party on % of Cashless transactions 9 Declare township cashless if cashless transactions are >80% of total transactions 48

49 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

50 Thank You Please contact us on Shri. Pankaj Gupta - CEO (n)code Solutions A Div. of GNFC Ltd. ceooffice@ncode.in, md@gnfc.in, Contact: Call Center no