Undoubtedly,
Indian public and bankers are facing hardship and also hampering the
current growth of Indian Economy but that will give a positive long
lasting effect. In all the demonetisation crisis a step towards
digital payments has been offering benefits to the country. With
mixed opinions of good and bad effects of demonetisation government
has come up with great plans on payment through net banking.
Here
below mentioned are the incentives provide by PM Narendra Modi for
Indian public:-
1.
Central Government Petroleum PSUs: A discount at the rate of 0.75% of
the sale price to consumers on purchase of petrol or diesel if
payment is made through digital means.
2.
Digital Payment Infrastructure in Rural Areas: The Central Government
through NABARD will extend financial support to eligible banks for
deployment of 2 POS devices each in 1 Lakh villages.
3.
Rupay Kisan Cards: The Central Government through NABARD will also
support Rural Regional Banks and Cooperative Banks to issue “Rupay
Kisan Cards” to 4.32 Crore Kisan Credit Card holders to enable them
to make digital transactions at POS machines/Micro ATMs/ATMs.
4. Suburban Railways: A discount up to 0.5% is provided to the
customers for monthly or seasonal tickets from January 1 2017, if
payment is made through digital means.
5.
Indian Railways: All railway passengers buying online ticket shall be
given free accidental insurance cover of upto Rs. 10 Lakh.
6.
Services in Indian Railways: For paid services e.g. catering,
accommodation, retiring rooms etc. being offered by railways, will
provide a discount of 5%, if payments are made through digital means.
7.
Public sector insurance companies: They will provide discount or
credit, up to 10% of the premium in general insurance policies and 8%
in new life policies of Life Insurance Corporation sold through the
customer portals, in case payment is made through digital means.
8.
Transaction fee: The Central Government Departments and Central
Public Sector Undertakings will ensure that they will absorb the
transaction fee/MDR charges related to digital payment and consumer
should not be asked to bear it.
9.
Public Sector Banks: They are advised that merchant should not be
required to pay more than Rs. 100 per month as monthly rental for PoS
terminals/Micro ATMs/mobile POS from the merchants to bring small
merchant on board the digital payment eco system.
10.
Service Taxes: No service tax will be charged on digital transaction
charges/MDR for transactions upto Rs. 2000 per transaction.
11.
Toll Taxes: For the payment of toll at Toll Plazas on National
Highways using RFID card/Fast Tags, a discount of 10% will be
available to users in the year 2016-17.
In
short the benefits of using digital payments go well beyond the
convenience, if provide efficiently and effectively, they can
transform the lives of those who use this technology. This is one
type of infrastructure investment which can lead to sustained
economic growth and greater financial inclusion from citizens in
country.
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