One Nation One Card / वन नेशन वन कार्ड योजना

Indian Government Introduced. One Nation-One Card
graphic image of RuPay card
4th March 2019 Indian Government unrevealed One Nation One Card yojna. Lets us know how this scheme helps citizens of India in public Transportation.
One Nation One Card:- India's indigenously-developed National Common Mobility Card (NCMC).
The inter-operable transport card would allow holders to pay for their bus travels, toll taxes, parking charges, retail shopping and withdraw cash.
Public Transport is extensively used across India as the convenient mode of commuting for all classes of society. Cash continues to be the most preferred mode of fare across public transport.

Cash Problems

However, there are multiple challenges associated with the cash payment e.g cash handling, revenue leakages, cash reconciliation etc. Various initiatives have been taken by transit operators to automatic & digitize the fare collection using AUTOMATIC FARE COLLECTION SYSTEM (AFC)
The introduction of closed-loop cards issue by these operators helped to digitized the fare collection to a significant extent. However, the restricted usability of these payment instruments limits the digital adoption by customers.

An automatic fare collection system

The major challenge associated with AFC System implementation in India till now is the lack of indigenous solution provider.
Till now the AFC system deployed at various Metros is from the foreign company. 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. In India, we have no pan India card which allows using at all different type of transportation fare. Indian government to fill this vacuum by introducing ONE NATION ONE CARD.

The idea of ONE NATION ONE CARD   

In order to ensure a seamless journey across metros and other transport systems in addition to retail shopping and purchases, the Ministry of Housing & Urban Affairs (MoHUA) came out with the National Common Mobility Card (NCMC) program.


NPCI was given the mandate to develop the specification for card & terminal to support the NCMC ecosystem. NATIONAL PAYMENT CORPORATION OF INDIA.
 Under this model, India's first indigenously developed payment eco-system for transport mobility consists of:-
  • National Common Mobility Card (NCMC)
  • Swachalit Kiriya:- Automatic Fare Collection System (SWEEKAR)
  • Swachalit Gate (SWAGAT) based on NCMC standards.
These three indigenously developed components of payment eco-system for transport mobility together will enable the use of national mobility card across the country without conflict with existing point-of-sale (pos) machine. This card collects from any bank branch. 


  • Its super-quick, contactless transaction feature will help to improve the seamless travel experience.
  • This card supports various service area features such as monthly passes, season tickets, etc.
  • It also offers a value proposition for customers as they need to carry multiple cards for different usage.


  • NPCI it has developed the specification for the card to support NCMC eco-system
  • C-DAC it has finalized NCMC specification for AFC system include the interface with bank servers. It had worked in collaboration with NPCI for this.
  • Bharat Electronics Limited (BEL) It has designed and developed gates and reader for these cards. It makes BEL first company in India to developed such gate and readers.
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