Finance:National Common Mobility Card

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Short description: Indian interoperable transport card

National Common Mobility Card
NCMC Card.jpg
Location India
Launched4 March 2019; 4 years ago (2019-03-04)
Technology
OperatorNational Payments Corporation of India (NPCI)
ManagerMinistry of Housing and Urban Affairs (MoHUA)
CurrencyINR
Validity
  • Some public transport systems
  • Toll roads
  • ATMs
  • RuPay points of sale
Variants
Websitemohua.gov.in

National Common Mobility Card (NCMC) is an inter-operable transport card conceived by the Ministry of Housing and Urban Affairs of the Government of India. It was launched on 4 March 2019. The transport card enables the user to pay for travel, toll duties (toll tax), retail shopping and withdraw money.

It is enabled through the RuPay card mechanism.[1] The NCMC card is issuable as a prepaid, debit, or credit RuPay card from partnered banks such as the State Bank of India, Bank of India, Punjab National Bank, and others.[2]

History

In late 2010, the Government of India envisioned a scheme wherein seamless access could be granted to public transport networks. The system, which later came to be known as Interoperable Fare Management System (IFMS), aimed to let passengers pay across different public transport platforms using one system. This was created as an effort to bring together the public transport system of the country under one umbrella. By making it accessible to every individual in every city, the government aimed to increase ease of access for public transport. The project is also structured in such a way so as to include customers across a wide variety of socio-economic strata. An additional focus was also put on reducing the transaction time to the minimum, so as to make the payment experience as seamless as possible. It is also structured in such a way so as to reduce the financial risk to the stakeholders involved in the effort. It is designated as an EMV-based Open Loop Payments system.[3]

The NCMC is an indigenously made product, and is a part of the Make In India project. It was first conceptualised in 2006 as part of the National Urban Transport Policy (NUTP).[4] A previous attempt to develop a similar national mobility card led to the development of the More Card. Given its lack of seamless functioning across the nation, Venkaiah Naidu, the then Minister of Urban Development, set up a committee to recommend a card which is inter-operable across different transport systems in the country.

The urban development ministry brought in the National Payments Corporation of India (NPCI) with the task of management, clearing and settlement of payments, simulating cards and terminals and maintenance of network.[5] Bharat Electronics Limited (BEL) has created the reader prototype.[4]

On 8 April 2019, The Economic Times reported that Visa was seeking to issue National Common Mobility Cards.[6] Visa announced that it had launched specifications to support the NCMC on 13 May 2019.[7] Visa is ready with the specifications to start issuing cards on the NCMC network and has started discussions with banks to issue their cards on NCMC as well, but it will take some time for the cards to start getting rolled out in the market.[8] Mastercard stated on 22 May 2019 that 15 Indian banks were at "various stages of signing up" for its NCMC.[9] Mastercard is all set to join the National Common Mobility Card (NCMC) scheme, just weeks after its biggest competitor Visa said it planned to enter the programme as per Vikas Varma, senior vice-president, account management for South Asia at Mastercard.[10]

Mumbai Rail Vikas Corporation (MRVC) is planning to implement the ambitious scheme in Mumbai suburban railway network in a step towards an integrated ticketing system (ITS).[11]

In certain cities such as Bengaluru and Chennai, adoption of NCMC by users of transport systems was slow due to a lack of integration across different modes of transport and parking payments.[12][13][14] At the end of 2022, Kolkata had still not seen NCMC deployment in any of its transport modes.[15]

In July 2023, Government of India directed banks to issue NCMC-compliant cards by default to customers.[16]

Technical details

Acceptance

The following public transport systems in the country currently accept fare payments via the National Common Mobility Card, with many more public transport operators across the country in various stages of planning/implementation to accept NCMC as a mode of payment over the next few years.

List of Transport Systems Accepting National Common Mobility Card
State / Region City Operator Transport system Acceptance Card Name Issuing Bank Commissioned Comments
Delhi NCR Delhi Delhi Metro Rail Corporation Delhi Metro Complete Network Paytm Transit Card Paytm 28 December 2020[17] All stations have been retrofitted with NCMC readers.[18]
Noida -
Greater Noida 		Noida Metro Rail Corporation Noida Metro Complete Network 28 December 2021[19]
Goa Statewide Kadamba Transport Corporation Goa Statewide Bus system Complete Network One Goa One Card Paytm 21 December 2021[20]
Gujarat Ahmedabad Gujarat Metro Rail Corporation Limited Ahmedabad Metro Rail system Complete Network 4 March 2019[21][22]
Surat Surat Metro Rail system N.A. N.A. Under Construction. NCMC will be accepted after the system opens
Karnataka Bengaluru Bengaluru Metro Rail Corporation Limited Bengaluru's Namma Metro Rail system Complete Network One Nation One Card RBL Bank 21 October 2021[23] All Phase 1 stations have been retrofitted with NCMC readers. All Phase 2 stations have NCMC readers from day one.
Kerala Kochi Kochi Metro Rail Limited Kochi Metro Kochi 1 Card Axis Bank
Maharashtra Mumbai Metropolitan Region Brihanmumbai Electric Supply and Transport Mumbai City Bus Transit system Complete Network Chalo Card YES Bank 25 April 2022[24]
Maha Mumbai Metro Operation Corporation Limited Mumbai Metro Rail system Complete Network Mumbai 1 Metro Card State Bank of India 19 January 2023
Mumbai Metro One Private Limited One Mumbai Card Axis Bank 28 June 2021
Navi Mumbai Municipal Transport Navi Mumbai City Bus Transit system Partial - 25% of routes March 2019[25] NMMT began rolling out NCMC across all routes in August 2022.[26]


Nagpur Maharashtra Metro Rail Corporation Limited Nagpur Metro Nagpur Metro Maha Card State Bank of India
Pune Pune Metro One Pune Card HDFC Bank
Madhya Pradesh Bhopal Madhya Pradesh Metro Rail Corporation Limited Bhopal Metro Rail system N.A. N.A. Under Construction. NCMC will be accepted after the system opens.[27]
Indore Indore Metro Rail system N.A. N.A. Under Construction. NCMC will be accepted after the system opens.[28]
Tamil Nadu Chennai Chennai Metro Rail Limited Chennai Metro Rail system Complete Network Singara Chennai Card State Bank of India February 2022[29]
Telangana Hyderabad Hyderabad Metro Rail Limited Hyderabad Metro Complete Network Paytm Wallet Transit Card Paytm Payments Bank 24 August 2023 (2023-August-24)[30]
Rajasthan Jaipur Jaipur Metro Rail Corporation Limited Jaipur Metro Rail system N.A. N.A. System is being upgraded to be NCMC compliant
Uttar Pradesh Noida Noida Metro Rail Corporation Noida Metro NMRC City1 Card State Bank of India
Lucknow Uttar Pradesh Metro Rail Corporation Lucknow Metro Rail system N.A. N.A. System is being upgraded to be NCMC compliant
Agra Agra Metro Rail system N.A. N.A. Under Construction. NCMC will be accepted after the system opens.
Kanpur Kanpur Metro Complete network Kanpur Metro State Bank of India 04 April 2023[31]

References

  1. ↑ "PM launches 'One Nation One Card'" (in en-IN). The Hindu. 2019-03-05. ISSN 0971-751X. https://www.thehindu.com/news/national/pm-launches-one-nation-one-card/article26433523.ece. 
  2. ↑ "The RuPay Contactless Card with National Common Mobility Card (NCMC) support will be available with over 25 banks including Canara Bank, SBI, PNB and others | Gadgets Now". https://www.gadgetsnow.com/slideshows/one-nation-one-card-launched-how-to-get-it-what-you-can-do-and-more/The-RuPay-Contactless-Card-with-National-Common-Mobility-Card-NCMC-support-will-be-available-with-over-25-banks-including-SBI-PNB-and-others/photolist/68260367.cms. 
  3. ↑ VK, Anirudh (21 May 2019). "Behind The Tech: NPCI And RuPay's Common Mobility Card Explained". https://curiousdose.com/2019/05/behind-the-tech-npci-and-rupays-common-mobility-card-explained/. 
  4. ↑ 4.0 4.1 "Pan-India mobility card that can be used for transport across country launched" (in en). 2019-03-04. https://www.hindustantimes.com/india-news/pan-india-mobility-card-that-can-be-used-for-transport-across-country-launched/story-k6SJrc4fmXGzdPfVHfuf8I.html. 
  5. ↑ "UD issues Smart National Common Mobility Card model - Times of India". 4 September 2015. https://timesofindia.indiatimes.com/india/UD-issues-Smart-National-Common-Mobility-Card-model/articleshow/48811197.cms. 
  6. ↑ Bhakta, Pratik (8 April 2019). "Visa set to board govt's mobility card". https://economictimes.indiatimes.com/news/company/corporate-trends/visa-set-to-board-govts-mobility-card/articleshow/68770771.cms. Retrieved 26 April 2019. 
  7. ↑ Nandi, Shreya (13 May 2019). "Visa launches government's National Common Mobility Card" (in en). https://www.livemint.com/politics/policy/visa-launches-government-s-national-common-mobility-card-1557758670699.html. Retrieved 16 May 2019. 
  8. ↑ www.ETtech.com (8 April 2019). "Visa set to board govt's mobility card - ETtech" (in en). The Economic Times. https://tech.economictimes.indiatimes.com/news/internet/govt-to-push-all-on-the-go-payments-to-visa/68767235. 
  9. ↑ Bhakta, Pratik (22 May 2019). "Mastercard may soon put mobility card in its wallet". https://economictimes.indiatimes.com/small-biz/startups/newsbuzz/mastercard-may-soon-put-mobility-card-in-its-wallet/articleshow/69437796.cms. Retrieved 22 May 2019. 
  10. ↑ www.ETtech.com (22 May 2019). "Mastercard set to join govt's One Nation One Card project - ETtech" (in en). The Economic Times. https://tech.economictimes.indiatimes.com/news/internet/mastercard-set-to-join-govts-one-nation-one-card-project/69436412. 
  11. ↑ "Mumbai local trains likely to get Centre's 'One Nation, One Card' ticket system first" (in en). https://www.freepressjournal.in/mumbai/mumbai-local-trains-likely-to-get-centres-one-nation-one-card-ticket-system-first. 
  12. ↑ "Few takers for Metro’s common mobility cards" (in en). September 26, 2023. https://bangaloremirror.indiatimes.com/bangalore/others/few-takers-for-metros-common-mobility-cards/articleshow/103941710.cms. 
  13. ↑ Bureau, The Hindu (2023-07-15). "Three months on, commuters still can’t use common mobility cards at Chennai Metro parking lot" (in en-IN). The Hindu. ISSN 0971-751X. https://www.thehindu.com/news/cities/chennai/three-months-on-commuters-still-cant-use-common-mobility-cards-at-chennai-metro-parking-lot/article67084059.ece. 
  14. ↑ B.P, Darshan Devaiah (2023-08-22). "Only 5,000 National Common Mobility Cards sold in Bengaluru in 6 months" (in en-IN). The Hindu. ISSN 0971-751X. https://www.thehindu.com/news/cities/bangalore/5000-national-common-mobility-cards-sold-in-six-months-since-launch-namma-metro-encouraging-passengers-to-use-ncmc-in-bengaluru/article67222715.ece. 
  15. ↑ "Smart mobility card in West Bengal soon". The Times of India. 2022-12-02. ISSN 0971-8257. https://timesofindia.indiatimes.com/city/kolkata/smart-mobility-card-in-west-bengal-soon/articleshow/95926443.cms. 
  16. ↑ Desk, DH Web. "Centre directs banks to issue cards with NCMC as default option" (in en). https://www.deccanherald.com/business/centre-directs-banks-to-issue-cards-with-ncmc-as-default-option-1238582.html. 
  17. ↑ "Delhi Metro: National Common Mobility Card facility introduced on Airport Express Line; see features" (in en-US). 2020-12-28. https://www.financialexpress.com/infrastructure/delhi-metro-national-common-mobility-card-facility-introduced-on-airport-express-line-see-features/2159052/. 
  18. ↑ "National Common Mobility Card | Delhi Metro Rail Corporation (DMRC)". https://www.delhimetrorail.com/national-common-mobility-card. 
  19. ↑ "Delhi Metro: National Common Mobility Card facility introduced on Airport Express Line; see features" (in en-US). 2020-12-28. https://www.financialexpress.com/infrastructure/delhi-metro-national-common-mobility-card-facility-introduced-on-airport-express-line-see-features/2159052/. 
  20. ↑ "Goa: Soon, pay for KTC bus ticket in digital mode | Goa News - Times of India" (in en). Dec 22, 2021. https://timesofindia.indiatimes.com/city/goa/soon-pay-for-ktc-bus-ticket-in-digital-mode/articleshow/88420567.cms. 
  21. ↑ "PM Modi Launches National Common Mobility Card In Ahmedabad". https://www.ndtv.com/india-news/pm-modi-launches-national-common-mobility-card-in-ahmedabad-2003017. 
  22. ↑ "Paytm launches transit card via payments bank arm" (in en). https://bfsi.economictimes.indiatimes.com/news/fintech/paytm-launches-transit-card-via-payments-bank-arm/87976147. 
  23. ↑ "National mobility card for Bangalore Metro from Oct 21". https://www.newindianexpress.com/cities/bengaluru/2021/oct/09/national-mobility-card-for-bangalore-metro-from-oct-21-2369459.html. 
  24. ↑ Somit Sen (Apr 23, 2022). "Pan-India BEST card to roll out on Monday | Mumbai News - Times of India" (in en). https://timesofindia.indiatimes.com/city/mumbai/pan-india-best-card-to-roll-out-on-monday/articleshow/91015325.cms. 
  25. ↑ Mahale, Ajeet (12 March 2019). "NMMT unveils 'Navi Card' for bus tickets, other payments" (in en-IN). https://www.thehindu.com/news/cities/mumbai/nmmt-unveils-navi-card-for-bus-tickets-other-payments/article26515500.ece. 
  26. ↑ "Now, Navi Mumbai Municipal Transport commuters can swipe debit, credit cards to buy bus tickets" (in en). 11 August 2022. https://www.hindustantimes.com/cities/mumbai-news/now-navi-mumbai-municipal-transport-commuters-can-swipe-debit-credit-cards-to-buy-bus-tickets-101660233729495.html. 
  27. ↑ "MPMRCL to adopt National Common Mobility Card for Bhopal & Indore Metro Ticketing | Metro Rail Today". https://metrorailtoday.com/news/mpmrcl-to-adopt-national-common-mobility-card-for-bhopal-indore-metro-ticketing. 
  28. ↑ "Indore: With just one National Common Mobility Card, you can ride in any of the country's Metros" (in en). https://www.freepressjournal.in/indore/indore-with-just-one-national-common-mobility-card-you-can-ride-in-any-of-the-countrys-metros. 
  29. ↑ Jan 27, TNN / Updated (27 January 2022). "ncmc: Metro Rail Mobility Cards In Feb | Chennai News - Times of India" (in en). https://timesofindia.indiatimes.com/city/chennai/metro-rail-mobility-cards-in-feb/articleshow/89144324.cms. 
  30. ↑
  31. ↑ "Travel to become smarter as CS inaugurates Kanpur Metro NCMC; see features". The Times of India. 2020-12-28. https://timesofindia.indiatimes.com/city/kanpur/travel-to-become-smarter-as-csinaugurates-kanpur-metro-ncmc/articleshow/99255239.cms. 



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