c. the inward files received through the APB system. The system
should be sufficiently scaled up to handle peak volume with a
head room for 40% increase in volume.
d. The processing capacity to be reviewed on a periodic basis and measures
should be taken to increase the capacity well in advance.
e. On receipt of the inward file, as a first step the bank should verify the amount
of inward files against the settlement received.
f. If there is any discrepancy in the settlement amount, the same should be
immediately brought to the notice of NPCI helpdesk. The inward processing
should be taken up only after the discrepancy is resolved.
g. If the settlement amount tallies with the inward amount, then the bank should
proceed to process the inward files. There should be control points that will
allow file processing only after settlement reconciliation is confirmed. Under
no circumstances banks should release the credits to the customers
without receiving the settlement amount.
h. The bank should make provision in the system to provide the name and the
account number against each successful Aadhaar based transaction. This data
should be sent as a part of response file.
i. The destination bank should ensure that all the transactions are processed
well in time and response files are submitted before the cut-off time specified
by NPCI. This activity should be completed well in advance with a buffer to
cater to any eventuality during the processing. Bank should have BCP in place
in case of disturbance in one unit of a processing center. Adequate resource
should be in place to process transactions on a local holiday.
j. Banks should have monitoring mechanism to ensure all the files are uploaded
and processed in NACH. The acknowledgement files should be consumed by
the destination bank to ensure that all the response files are uploaded.
k. Bank should complete the processing of transactions on the same day of
receipt. In case of delay in providing return response / credit to customer
beyond T+1 working days a penalty by Rs. 100/- will be applicable for per
transaction for each day of delay.
1) In-case of success transaction, the bank must credit the customer account
along with the penalty whereas
2) In case of return transaction the penalty will be debited by NPCI from
destination bank and credited to sponsor bank for onward credit to the
3) Refer to RBI circular no. RBI/2019-20/67 DPSS.CO.PD No.629/ 02.01.014/
2019-20 dated September 20, 2019 and NPCI circular no. NPCI/NACH/2019-
20/014 dated October 17, 2019 on harmonization of TAT.
l. In case any response file is rejected, the bank should check the reject reasons
and ensure corrective action and re-upload the files within the session time.
m. After the return session is closed the bank should tally the amount of returned
transactions with the settlement amount.