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Panel Discussion. Prepaid Payment Instruments -Implementation & Challenges. Session Moderator Sanjay Aggarwal General Manager/Operations IRCTC. Discussion Points. Guidelines by RBI. If Prepaid is Best Instrument for Financial Inclusion/Micropayments ?.

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Presentation Transcript
Panel discussion

Panel Discussion

Prepaid Payment Instruments

-Implementation & Challenges

Session Moderator

Sanjay Aggarwal

General Manager/Operations

IRCTC


Discussion points
Discussion Points

  • Guidelines by RBI

  • If Prepaid is Best Instrument for

    Financial Inclusion/Micropayments ?

  • Prepaid – Cash to Cashless Society

  • Prepaid as US $ 20 bn Industry in

    5 years ??


Irctc
IRCTC

  • In Business of Online Rail Ticketing

  • Booked more than 6 Million Tickets or 12 Million Passengers in July 09

  • Peak Tickets – More than 2,62,000 in single day

  • Average Tickets per day ~ 2 Lakhs

  • Total Revenue in - July 09 > 500 Crore

  • Total Revenue in 2008-09 > 4000 Crore

  • Average Ticket size in around Rs. 850

  • Registered Users more than 10 million

  • More Number of Non-AC Passengers (60%)

  • (Still 25%-30% of Indian Railways)


Share of payment instruments
Share of Payment Instruments

  • Credit Cards : 31%

  • Net Banking : 32%

  • Non-Banking : 37%

    (37% has 2 Major Sub-headings)

    : 21% Cash Cards

    : 16% RDS


Meaning of 21 share of cash cards
Meaning of 21% Share of Cash Cards

  • Around 40,000 transactions per day

    or

    12 Lakh transactions in a month

  • Around 3.5 Crore worth transactions per day

    or

    More than 100 Crore transactions per month


Issues with banks
Issues with Banks

  • Proliferation

  • Technological Issues

  • Operational Issues



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