Digital India Initiatives

[pib] National Common Mobility Card


Mains Paper 3: Economy | Infrastructure: Energy, Ports, Roads, Airports, and Railways etc.

From UPSC perspective, the following things are important:

Prelims level: NCMC

Mains level: Utility of the NCMC


  • In order to ensure a seamless travel across metros and other transport systems in addition to retail shopping and purchases, the MoHUA came out with the National Common Mobility Card (NCMC) Program.


  • Public Transport is extensively used across India as the economical and convenient mode of commuting for all classes of society.
  • Cash continues to be the most preferred mode of fare payments across the public transport.
  • However, there are multiple challenges associated with the cash payment e.g. cash handling, revenue leakages, cash reconciliation etc.
  • The introduction of closed loop cards issued by these operators helped to digitize the fare collection to a significant extent.

National Common Mobility Card

  1. Ministry of Housing & Urban Affairs brought to the fore the NCMC to enable seamless travel by different metros and other transport systems across the country besides retail shopping and purchases.
  2. India’s First Indigenously Developed Payment Eco-system for transport consists of:
  • NCMC Card
  • SWEEKAR (Swachalit Kiraya: Automatic Fare Collection System)
  • SWAGAT (Swachalit Gate)
  1. These are bank issued cards on Debit/Credit/Prepaid card product platform.
  2. The customer may use this single card for payments across all segments including metro, bus, suburban railways, toll, parking, smart city and retail.
  3. The stored value on card supports offline transaction across all travel needs with minimal financial risk to involved stakeholders.
  4. The service area feature of this card supports operator specific applications e.g. monthly passes, season tickets etc.

Agencies Involved

  1. CDAC was entrusted the task of finalization of NCMC specification for AFC system including the interface with Bank server.
  2. CDAC worked in collaboration with NPCI to complete this activity. Thereafter, BEL was roped in for making Gates & Reader.
  3. NCMC Ecosystem offers the value proposition for customers as they need not to carry multiple cards for different usage.

About Automatic Fare Collection System

  • AFC System (gates, readers/validators, backend infrastructure etc.) is the core of any transit operator to automate the fare collection process.
  • The major challenge associated with AFC system implementation in India till now is the lack of indigenous solution provider.
  • Till now, AFC systems deployed at various Metros are from foreign players.
  • In order to avoid the vendor lock-in and create an interoperable system, there was a need to develop indigenous standards and AFC system under Make in India initiative.
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