National Common Mobility Card (NCMC): A Common Mobility Card for All Citizen

By BYJU'S Exam Prep

Updated on: September 25th, 2023

On 4th March 2019, Prime Minister Narendra Modi launched the indigenously developed National Common Mobility Card (NCMC) to enable people to seamless payment for multiple transport system charges. This initiative is dubbed as ‘One Nation One Card’. He launched this card while inaugurating the first phase of the Ahmedabad metro train service.

As robust transportation is a backbone for the growth and development of any economy around the world, especially a densely populated developing country like India. This is another step by the government to make our transportation robust and seamless across public transport anywhere in the country.

One Nation One Card: A Common Mobility Card for All Citizen

 1. A single card can be used across the countryYou can use one single card i.e. One Nation One Card for payments across all segments like –

  • bus travel
  • metro
  • toll
  • parking
  • retail shopping and
  • even withdraw money.

National Common Mobility Card (NCMC): A Common Mobility Card for All Citizen

This card runs as on RuPay card, which has been merged with the mobility card. So, people can also withdraw money apart from using this Common Mobility Card for paying bills and fare.

2. Make in India initiativeThe Gate & Reader prototype for this card has been made by Bharat Electronics Limited (BEL) under the Make in India initiative.

  • The technology for this system is supported by indigenously developed payment ecosystem Automatic Fare Collection Gate (AFCG) namely Swagatand an Open Loop Automatic Fare Collection (OLAFC) system called Sweekar.

3. From where you can avail this card – If you want to avail ‘One nation one card’ then you need to contact your bank. It is now available with almost 25 banks, including SBI and PNB.

  • The One Nation One Card can also be issued from Paytm Payments Bank.
  • Any new debit and credit card issued by the bank will now have the National Common Mobility Card feature. This will work just like any other wallet.

4. Similar to debit or credit cardThis card would be issued by all banks in the same way other cards like credit, debit, and prepaid cards are issued.

National Common Mobility Card (NCMC): A Common Mobility Card for All Citizen

  • The stored value in this card would support offline transaction across all traveling needs with minimal financial risk to stakeholders involved and the services features of this card support operator specific applications like monthly passes, tickets etc.

5. Can earn cashback alsoUsers can also earn cashback of 5% at ATMs and 10% on merchant outlet transactions on overseas. 

Background –

  • The first phase trails were successful in collaboration with CDAC, BEL, NPCI and State bank of India.
  • The National Common Mobility Card (NCMC) program was envisaged by the Ministry of Housing & Urban Affairs (MoHUA) as a part of National Urban Transport Policy (NUTP) in 2006.
  • NPCI was given the directive to develop the specifications for card & terminal to support the NCMC ecosystem.
  • Centre for Development of Advance Computing (C-DAC) was assigned the task of finalization of NCMC specification for AFC system including the interface with Bank server. CDAC worked in collaboration with NPCI to complete this activity.
  • Thereafter, Bharat Electronics Limited (BEL) was roped in for making Gates & Reader.
  • This is the first gate and the reader which has been manufactured by an Indian company. This is also the first indigenous payment reader which has been certified as per International standards.
  • With this, India joins the very few elite nations who have indigenous capacity on gate and reader production.

Advantages of this policy

  • Public transport is used extensively in India by all classes of society and this policy for public transport will bring interoperable connectivity between various modes of transportation.
  • This will promote digital India initiative along with saving time and make commute much more easy, comfortable and faster.
  • People will not have to carry cash while travelling that will reduce the dependence on cash in the economy and take India towards a digital economy, which will help to plug leakages, eliminate pilferages, reduce corruption and black economy etc.
  • The card will act as a single e-purse with access to multiple products throughout India.

Challenges Ahead

  • Create a system that is convenient to use so that people find it easy to switch from other modes and adopt this system.
  • Mere issuing the card is not a panacea to all problems. Therefore smooth and effective coordination between different Ministries and different stakeholders will be our best chance to make this initiative successful.

One Nation One Card policy was much needed initiative to be implemented in India. This system is very successful and already in use in many countries all around the world like in England, Singapore etc. and India has also joined them with our own indigenously developed system. With the implementation of this policy, challenges lies ahead in smooth implementation part that would require effective coordination between different stakeholders and timely removal of all faults and grievances. 



Team BYJU’S Exam Prep

PO, Clerk, SO, Insurance

Our Apps Playstore
SSC and Bank
Other Exams
GradeStack Learning Pvt. Ltd.Windsor IT Park, Tower - A, 2nd Floor, Sector 125, Noida, Uttar Pradesh 201303
Home Practice Test Series Premium