The internet and technology made it easy for us to make the payment and fund transfer from one bank to another bank through online payment system. We can make the various bill payments, and fund transfers through internet banking instantly from one account to another account of same branch, different branch of same bank or different bank account with in the country. To build such an electronic payment system it is required bring nation wide integration and standardization of different retail payment systems.
National Payments Corporation of India (NPCI) was incorporated in December 2008 as a Section 25 company under Companies Act with the objective of consolidation and integration of all retail payment systems in India. State Bank of India, Punjab National Bank, Canara Bank, Bank of Baroda, Union bank of India, Bank of India, ICICI Bank, HDFC Bank, Citibank and HSBC are the 10 promoter banks for NPCI. NPCI is working with the objective of building a world class reliable, customer friendly, simple electronic retail payment system available round the clock for the benefit of the common man across the country.
NPCI is having a paid up capital of Rs. 100 Crores to create infrastructure of large dimension and operate on high volume resulting payment services at fraction of the present cost structure.
Other Products and services of NPCI are:
- National Financial Switch
- Immediate Payment Service (IMPS)
- Cheque Truncation System
- Interbank Mobile Payment Service (IMPS)
- Aadhaar Payment Bridge System
- Automated Clearing House
- Rupay Card Scheme
you can read the more detailed and useful information in the NPCI website http://www.npci.org.in .
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