elets 2nd eJharkhand Summit 2016 - Abhishek Kumar, Deputy Vice President, HDFC Bank

Deposits: Rs. 546,424 crores

(as on Mar 31, 2016)

Commenced operations in

1995

4520 branchesIn 2171 Locations

12000 ATMs Nationwide

IDRBT Banking

Technology2016

Best Bank in Technology Excellence

Business Today 2016

KPMG India's Best Bank

Forbes Asia 2015

Fab 50 Companies

Finance Asia 2015

Barron's World's Top 30 CEOs 2016

Dr. Aditya Puri (MD) in Top 30 Global

CEOs

FE Best Bank Awards 2015

Best Asian Bank

Best Bank in the New Private sector

Fab 50 Companies

Capital Adequacy Ratio (CAR): 17% (as on Mar 31, 2016) against a regulatory minimum of 9.0%

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About Us

Jharkhand

• 58 branches in Jharkhand• 50 % branches are in Rural

and Semi-Urban locations• 83% CD ratio (one of the

best)

First Revolution

Second Revolution

Third Revolution

Revolution

Third wave in turn triggered the concept of e-Governance

Industrial

Agriculture

Information

Digital India

The Digital India programme is a flagship programme of the Government of India with a vision to transform India into a digitally empowered society and knowledge economy.

Vision Areas of Digital India

Digital Infrastructure as a Core Utility to Every Citizen

Governance and Services on Demand

Digital Empowerment of Citizens

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E- governanceE-governance improves delivery of services to citizens, businesses and employees. This results in enhanced transparency, convenience and empowerment, less corruption, revenue growth and cost reduction. E-governance is enabled by people, process and technology, where secure and successful payment is critical. E-advantage with HDFC Bank helps the Government through:

E-procurement/E-tendering: Collection earnest money through online payments of tender fees

Online collection of house tax/ commercial taxes/ property tax/ rent, etc. Online fee collection for licenses/ renewal Online subscription/ connection/ booking/ billing Online payments for death/birth certificates and donations Online payments of Utility bills

HDFC Bank aims to support the growth of e-governance by facilitating secure payments through its robust and highly dependable payment gateway platform. We facilitate customisations and integration that may be required with your systems, cash management and other banking services.

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• Customized solutions as per needs of the Government department

• Continuous engagement/support after installation

• Happening in a short time and at a great rate

• Comprehensive online solution• Achieving maximum productivity with

minimum effort or expense.

Why SmartHub? – Online Solution to Government Departments

Efficiency

Rapidity

Reliability

“SmartHub” is the proposed solution which provides an end to end solution including a host of value added services on a single platform. It is an integrated payment collection module for govt deptts.

Benefits tp Govt Department

Safe, Secure & Convenient mode of Payments Collection across all Geographies. Single Window for Collection of all type of Fees, Taxes, Duties etc…

Website is not a must have - Bank will create a Microsite with the deparment’s Branding

Online Form Creation / Customizations Supported via SmartHub Government Solution

Payment options: Supports all payment options (Credit Card, Debit Card, Net Banking, IMPS and

Challan based payments like Cash / Chq / DD / NEFT / RTGS)

Ability to send online response to the Department and update Department’s database

Integrated Reports across all Payment Modes for easy reconciliation

End to end integration support and servicing for any additional/customised needs and any specific Customizations would be supported on a case to case basis

Being a leader in the payments industry, we will continue to associate ourselves with brands and widen our

acceptance on Payment Gateway.

HDFC Bank – Market Leader in Digital Space

• Market leader with 45% Market share

• Largest Acquirer in the country

• E commerce space process more than 58000 Cr annually

• 26 Million Debit & Credit cards

• 240,000 terminals,

• 75 million Txn/month

• 6000+ merchants on PG

• 58,000Cr Annual volume processed

• 25 million Txn/month

BENEFIT TO DEPARTMENTS• Online Collection• No Integration• Single Window for all Payment

Modes• Option to receive online response • ERP compatible MIS

MICROSITE FOR PAYMENT Site with Department Branding Listing on HDFC Bank Website Mobile Optimized Pages

DEPARTMENT CONSOLE • Data Upload • SMS & Email Notification -

Payment Link / Reminders• Integrated Reports

PAYMENT OPTIONS• Credit / Debit Cards• Net Banking of 40+ Banks• Challan Payment Options -

Cash, NEFT, RTGS, IMPS

Supports

1000+ Government Departments

Smarthub – Government OfferingEfficient

SmartHub – Payment Gateway

Cardholder

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Merchant website

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Select the details

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Click “Pay”

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No/Static Website

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Microsite will be created

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Department uploads the

data

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Click “Pay”

4Departments With No / Static Website

Department With Erp / Website

Rapid

Online Collection – Payment Gateway

Our Payment Gateway services help you collect various fees/charges/tax online (through the Internet).

Payment will be through Debit / Credit card, Net banking & the amount will get credited to your account held with us.

Benefits to the Department

A report of transactions through the Gateway will be sent to you to help you in your reconciliation.

We provide a daily MIS with details about the transactions processed on our Payment gateway.

Rapid

Payment Gateway – Unique features

Complete Internet-based payment processing and management solution for all cards issued in India and abroad

Highly reliable uptime and best transaction success rate

Supports payments in 14 currencies through Multi Currency Conversion (MCC)

An integrated, flexible, rule-based, proactive risk management system that supports evaluation of transaction activity

In house dedicated helpdesk to resolve queries

Rapid

SmartHub – eCMS & CMS

Payment by NEFT / RTGS – eCMS

Payment by Cheque/Demand Draft - CMSLocal Cheque Collections

•Cheques deposited at the same location will be realised quickly

Outstation Cheque Collections

•Deposit outstation cheques drawn on any HDFC Bank location at any HDFC Bank

Transfer Cheque Collections

• Local /outstation cheques drawn on any branch of HDFC Bank Ltd

Comprehensive MIS

•Daily report •Location-wise report•Monthly cumulative report •Customised reports as per mutual agreement

Multiple collection option -RTGS/NEFT, Fund Transfer, ACH, etc.

Lower exposure on its customer / dealer

Real-time, Online Credits from Channel Partners & System Houses

Customised MIS and Dedicated service desk

Rapid

What is PFMS?

HDFC Bank is PFMS Empanelled

PFMS – Flow of Money

Agency PFMS Bank

APBS

NACH

NEFT

RTGS

Fund Transfer

NPCI

Inter Bank

RBI

Beneficiary / Customer

APBS*

NACH**

Agency initiates payment for beneficiary account through PFMS

PFMS initiates payment request with Bank

Bank identifies the mode of payment

Mode of Payment

*Aadhaar Payment Bridge System**National Automated Clearing House

HDFC Bank – Digital Market Share

Largest e-Commerce Acquirer

Largest Market Share in Government Space

1000+ Government Departments

Extend services to Govt Dept in 25 States

15 Utility Departments

16 Tourism boards

11 Road Transport Corporations

78 Govt Educational Institute

200+ Municipal Corporations

E-Tendering solution to Govt Departments

G2C service like MP online & Maha online

Largest acquirer in IRCTC

E-Tendering

Railway

Road Transport Corp.

Education

Taxes & MC

G2C services

Tourism Board

Utility

Reliable

With our expertise and experience we are fully geared up and ready to Serve Jharkhand Government in the dream of making our state a Digital Jharkhand. 

E-ADVANTAGE

Dedicated RELATIONSHIP TEAM

WEBSITE not mandatory

INTEGRATION not required

In-House SERVICE TEAM

ERP Compatible MIS / Integrated Reports

MICROSITE withDepartment Branding Credit Cards, Debit

Cards, NetBanking of 40 + Banks and IMPS

SmartHub - Product FeaturesEfficient

SERVICES

Real-time, on-demand intelligent online analytics

Retry of failed transactions for higher business volume and success rate

Save Card Enables faster checkout option on HDFC Bank Payment

Page Stores card numbers and requires entry of only CVV and

VBV

SmartHub - ServicesEfficient

PFMS – Reconciliation & Flow

Once the payments are made by the bank, bank uploads a reverse file on the status of the payments on PFMS Portal

Thank You