Payment Protocol for Online Payments through eGramSwaraj PFMS Interface

Ministry of Panchayati Raj has been monitoring Central Finance Commission grants (CFC)for
bringing transparency in the activities of Panchayats to ensure optimal and targeted utilisation
of funds. PFMS is being mandated for utilization of CFC funds by Panchayats through
integration of eGramSwaraj PFMS Interface(eGSPI)

The document enlists the payment protocol to be followed by all the stakeholders viz.
eGramSwaraj application, PFMS, empanelled banks and end users of the eGSPI as follows:

1. DSC registration: All the PRIs need to register the Digital Signature Certificates (DSCs) in
eGramSwaraj, for their respective Maker and Checker and the same needs to be approved
by the immediate higher authority.

2. DSC Specifications: DSCs of Grade 2 or above with signing and encryption facilities (for
maker & checker) need to be procured.

3. Account booking initiation on eGramSwaraj: All the PRIs would have to initiate account
book- keeping on eGramSwaraj and maintain the accounts up-to-date with year-books for
2019-20 closed as well as daybooks and month books for 2020-21 closed. Only then the PRIs
would be able to carry out payments. For e.g. if a PRI is to carry out real time payment today
(say, May 20, 2020), it needs to ensure that (i) the yearbook for 2019-20 is closed, (ii) month
book i.e. April 2020 closed and (iii) day books, for the month of May 2020, upto today (i.e.
20/05/2020) are closed.

4. Bank Accounts: It must be ensured that the Bank accounts of GPs for online payments are
in those PFMS integrated Banks that allow for DSC enabled payments. There are total of 176
Banks (as on 16 March 2021) that allow for DSC enabled payments. The list is placed herewith
at Annexure 1
5. Turnaround Time* for FTO Processing:
T0 – FTO Generation (post signing by Maker and Checker)

T0+1 day(s) – FTO transfer from eGS to PFMS

T0+3 day(s) – FTO transfer from PFMS to Bank (NPCI/NEFT etc.)

T0+5 day(s) – Success/Failure from Bank to PFMS

T0+6 day(s) – Success/Failure from PFMS to eGS

*Working days as per Central Government working days list.

Annexure 1:
List of Banks allowing auto Debit/Credit Payments

S. No. Bank Name S. No. Bank Name

Ajmer Central Co-operative Bank
1 Limited 89 MAHARASHTRA GRAMIN BANK
ALIGARH DISTRICT CO OPERATIVE BANK MALDA DISTRICT CENTRAL CO-OP.BANK
2 LTD 90 LTD.
ALLAHABAD DISTRICT COOPERATIVE
3 BANK LTD. 91 MANIPUR RURAL BANK
MATHURA ZILA SAHKARI BANK LTD
4 ANDHRA BANK 92 MATHURA
ANDHRA PRADESH GRAMEENA VIKAS
5 BANK 93 MEGHALAYA CO-OP.APEX BANK LTD.
6 ANDHRA PRAGATHI GRAMEENA BANK 94 MEGHALAYA RURAL BANK
7 ASSAM CO-OP.APEX BANK LTD. 95 MIZORAM CO-OP.APEX BANK LTD.
8 ASSAM GRAMIN VIKASH BANK 96 MIZORAM RURAL BANK
MORADABAD ZILA SAHKARI BANK LTD
9 AU Small Finance Bank Limited 97 MORADABAD
MUZAFFARNAGAR DISTRICT
10 AXIS BANK 98 COOPERATIVE BANK LTD
Azamgarh District Co-operative Bank NORTH EAST SMALL FINANCE BANK
11 Ltd.,Azamgarh 99 LIMITED
BAHRAICH DIST.CO-OPERATIVE BANK
12 LTD. 100 ODISHA GRAMYA BANK
BANDA DISTRICT COOPERATIVE BANK
13 LIMITED BANDA 101 ORIENTAL BANK OF COMMERCE
14 Bandhan Bank 102 PASCHIM BANGA GRAMIN BANK
15 BANGIYA GRAMIN VIKASH BANK 103 Pragathi Krishna Gramin Bank
16 BANK OF BARODA 104 Prathama UP Gramin Bank
17 BANK OF INDIA 105 PUNJAB AND SIND BANK
18 BANK OF MAHARASHTRA 106 PUNJAB GRAMIN BANK
BANKURA DIST CENTRAL CO-OP.BANK
19 LTD. 107 PUNJAB NATIONAL BANK
20 Baran Kendriya Sahkari Bank Ltd. 108 Purvanchal Bank
Baroda Rajasthan Kshetriya Gramin
21 Bank 109 RAIGANJ CENTRAL CO-OP.BANK
BARODA UTTAR PRADESH GRAMIN
22 BANK 110 RAJASTHAN MARUDHARA GRAMIN BANK
23 BASTI ZILA SAHKARI BANK LTD. BASTI 111 RAMPUR ZILA SAHKARI BANK LTD
BHAVNAGAR DISTRICT CO-OPERATIVE
24 BANK LTD 112 RBL Bank
BUDAUN DISTRICT CENTRAL CO-
25 OP.BANK 113 Sarva Haryana Gramin Bank
26 C. G. Rajya Sahakari Bank Mydt. 114 SATARA DIST.CENTRAL CO-OP.BANK LTD.
27 CANARA BANK 115 SAURASHTRA GRAMIN BANK
28 Capital Small Finance Bank Limited 116 SIKAR KENDRIYA SAHAKARI BANK LTD.
29 CENTRAL BANK OF INDIA 117 SIKKIM STATE CO-OPERATIVE BANK LTD
30 Chhattisgarh Rajya Gramin Bank 118 STATE BANK OF INDIA
S. No. Bank Name S. No. Bank Name
Sultanpur zila sahkaari bank ltd.
31 Chittorgarh Kendriya Sahakari Bank Ltd 119 Sultanpur
32 CORPORATION BANK 120 SYNDICATE BANK
33 CSB BANK LIMITED 121 TAMILNAD MERCANTILE BANK LTD
34 Dakshin Bihar Gramin Bank 122 TAMLUK GHATAL CENTRAL CO-OP.BANK
35 DAUSA KENDRIYA SAHAKARI BANK LTD. 123 Telangana Grameena Bank
36 DCB Bank Limited 124 The Alwar Central Co-operative Bank Ltd.
The Banswara Central Co-operative Bank
37 DENA BANK 125 Ltd.
Deoria Kasia District Co-operative Bank The Barmer Central Co-operative Bank
38 Bank Ltd.,Deoria 126 Ltd.
The Bharatpur Central Co-operative Bank
39 DHANLAXMI BANK LTD 127 Ltd.
District Central Co-operative Bank Ltd., The Bundi Central Co-operative Bank
40 Supaul 128 Ltd.,Bundi
DISTRICT CO OPERATIVE BANK LTD The Central Co-operative Bank
41 BARABANKI 129 Ltd.,Bhilwara
DISTRICT CO OPERATIVE BANK LTD The Central Co-operative Bank
42 PILIBHIT 130 Ltd.,Bikaner
DISTRICT CO OPERATIVE BANK LTD
43 SAHARANPUR 131 The Central Cooperative Bank Ltd., Tonk
44 District Co-operative Bank Ltd. Varanasi 132 The Churu Central Co-operative Bank Ltd.
The Dungarpur Central Co-operative Bank
45 District Co-operative Bank Ltd., Ballia 133 Ltd.
46 District Co-Operative Bank Ltd.,Jaunpur 134 THE FEDERAL BANK LTD
The Ganganagar Kendriya Sahkari Bank
47 District Co-operative Bank Ltd.,Sitapur 135 Ltd.
DISTRICT CO-OPERATIVE BANK
48 LTD.RAEBARELI 136 The Jaipur Central Co-operative Bank Ltd.
DISTRICT COOPERATIVE BANK LTD The Jaisalmer Central Co-operative Bank
49 MAINPURI 137 Ltd.
DISTRICT COOPERATIVE BANK LTD The Jalore Central Co-operative Bank
50 SHAHJAHANPUR 138 Ltd.,Jalore
DISTRICT COOPERATIVE BANK LTD.
51 FAIZABAD 139 THE JAMMU AND KASHMIR BANK LTD
The Jodhpur Central Cooperative Bank
52 ELLAQUAI DEHATI BANK 140 Ltd.
EQUITAS SMALL FINANCE BANK
53 LIMITED 141 The Kota Central Co-operative Bank Ltd.
Fatehpur District Co-Operative Bank THE KURMANCHAL NAGAR SAHKARI
54 Ltd., Fatehpur 142 BANK LTD.
The Nagaur Central Cooperative Bank
55 FIROZABAD ZILA SAHKARI BANK LTD. 143 Ltd.
HAMIRPUR DISTRICT CO OPERATIVE
56 BANK LTD 144 THE NAINITAL BANK LIMITED
HANUMANGARH KENDRIYA SAHAKARI
57 BANK LTD. 145 The Pali Central Cooperative Bank Ltd
Hardoi District Co-operative Bank THE RAJASTHAN STATE COOPERATIVE
58 Ltd.,Hardoi 146 BANK LTD.
THE SAWAI MADHOPUR KENDRIYA
59 HDFC BANK LTD 147 SAHAKARI BANK LTD.
60 Himachal Pradesh Gramin Bank 148 The Sirohi Central Co-operative Bank Ltd.
HOOGHLY DISTRICT CENTRAL CO- The Sivagangai District Central Co-Op.
61 OP.BANK 149 Bank Ltd.
S. No. Bank Name S. No. Bank Name
62 ICICI BANK LTD 150 The Surat District Co-operative Bank Ltd.
THE TAMILNADU STATE APEX
63 IDBI BANK LTD 151 COOPERATIVE BANK LIMITED
The Udaipur Central Co-operative Bank
64 IDFC FIRST BANK LIMITED 152 Ltd.
65 INDIAN BANK 153 TRIPURA GRAMIN BANK
66 INDIAN OVERSEAS BANK 154 TRIPURA STATE CO-OP.BANK LTD.
67 INDUSIND BANK LIMITED 155 UCO BANK
JALAUN DISTRICT CO-OPERATIVE BANK
68 LTD 156 UNION BANK OF INDIA
69 JALPAIGURI CENTRAL CO-OP.BANK LTD. 157 UNITED BANK OF INDIA
70 JAMMU AND KASHMIR GRAMEEN BANK 158 UTKAL GRAMEEN BANK
71 Jana Small Finance Bank Limited 159 UTTAR BANGA KSHETRIYA GRAMIN BANK
UTTAR PRADESH CO-OPERATIVE BANK
72 Jhalawar Kendriya Sahakari Bank Ltd. 160 LTD
73 Jharkhand Rajya Gramin Bank 161 Uttarakhand Gramin Bank
JHUNJHUNU KENDRIYA SAHAKARI BANK
74 LTD. 162 VIJAYA BANK
75 JILA SAHAKARI BANK LTD. MAU 163 YES BANK LTD
Jila Sahakari Kendriya Bank Maryadit,
76 Ambikapur 164 ZILA SAHAKARI BANK LTD BIJNOR
Jila Sahakari Kendriya Bank Maryadit, ZILA SAHAKARI BANK LTD LAKHIMPUR
77 Bilaspur (C.G.) 165 KHERI
Jila Sahakari Kendriya Bank Maryadit,
78 Durg (C.G.) 166 ZILA SAHAKARI BANK LTD MEERUT
Jila Sahakari Kendriya Bank Maryadit,
79 Jagdalpur 167 ZILA SAHAKARI BANK LTD.GHAZIPUR
Jila Sahakari Kendriya Bank Maryadit,
80 Raipur (C.G.) 168 ZILA SAHKARI BANK LTD BAREILLY
Jila Sahakari Kendriya Bank Maryadit,
81 Rajnandgaon (C.G.) 169 ZILA SAHKARI BANK LTD BULANDSHAHAR
KANGRA CENTRAL CO-OPERATIVE BANK
82 LTD. 170 ZILA SAHKARI BANK LTD GHAZIABAD
83 KARNATAKA VIKAS GRAMEENA BANK 171 ZILA SAHKARI BANK LTD JHANSI
84 KARUR VYSYA BANK 172 ZILA SAHKARI BANK LTD KANPUR
85 KAVERI GRAMEENA BANK 173 ZILA SAHKARI BANK LTD MIRZAPUR
86 KERALA GRAMIN BANK 174 ZILA SAHKARI BANK LTD UNNAO
ZILA SAHKARI BANK LTD.
87 KOTAK MAHINDRA BANK 175 SIDDHARTHNAGAR A
88 MADHYANCHAL GRAMIN BANK 176 ZILA SAHKARI BANK LTD.,GORAKHPUR