National Common Mobility Card

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National Common Mobility Card
NCMC Card.jpg
Launched4 March 2019
OperatorNational Payments Corporation of India (NPCI)
ManagerMinistry of Housing and Urban Affairs (MoHUA)

National Common Mobility Card (NCMC), is an inter-operable transport card conceived by the Ministry of Housing and Urban Affairs of the Government of India. It was launched on 4 March 2019. The transport card enables the user to pay for travel, toll duties (toll tax) , retail shopping, and withdraw money.

It is enabled through the RuPay card mechanism.[1] The NCMC card is issuable as a prepaid, debit, or credit RuPay card from partnered banks such as the State Bank of India, Bank of India, Punjab National Bank, and others.[2]


In late 2010, the Government of India envisioned a scheme wherein seamless access could be granted to public transport networks. The system, which later came to be known as Integrated Financial Management System (IFMS), aimed to let passengers to pay across different public transport platforms using one system. This was created as an effort to bring together the public transport system of the country under one umbrella. By making it accessible to every individual in every city, the government aimed to increase ease of access for public transport. The project is also structured in such a way so as to include customers across a wide variety of socio-economic strata. An additional focus was also put on reducing the transaction time to the minimum, so as to make the payment experience as seamless as possible. It is also structured in such a way so as to reduce the financial risk to the stakeholders involved in the effort. It is designated as an EMV-based Open Loop Payments system.[3]

The NCMC is an indigenously made product, and is a part of the Make In India project. It was first conceptualised in 2006 as part of the National Urban Transport Policy (NUTP).[4] A previous attempt to develop a similar national mobility card led to the development of the More Card. Given its lack of seamless functioning across the nation, Venkaiah Naidu, the then Minister of Urban Development, set up a committee to recommend a card which is inter-operable across different transport systems in the country.

The urban development ministry brought in the National Payments Corporation of India (NPCI) with the task of management, clearing and settlement of payments, simulating cards and terminals and maintenance of network.[5] Bharat Electronics Limited (BEL) has created the reader prototype.[4]

On 8 April 2019, The Economic Times reported that Visa was seeking to issue National Common Mobility Cards.[6] Visa announced that it had launched specifications to support the NCMC on 13 May 2019.[7] Visa is ready with the specifications to start issuing cards on the NCMC network and has started discussions with banks to issue their cards on NCMC as well, but it will take some time for the cards to start getting rolled out in the market.[8] Mastercard stated on 22 May 2019 that 15 Indian banks were at "various stages of signing up" for its NCMC.[9] Mastercard is all set to join the National Common Mobility Card (NCMC) scheme, just weeks after its biggest competitor Visa said it planned to enter the programme as per Vikas Varma, senior vice-president, account management for South Asia at Mastercard.[10]

Mumbai Rail Vikas Corporation (MRVC) is planning to implement the ambitious scheme in Mumbai suburban railway network in a step towards integrated ticketing system (ITS).[11]


In March 2019, the Chief Secretary of the Government of Telangana directed state officials to explore the possibility of introducing National Common Mobility Card for use on all public transport in Hyderabad, as well as for autos, taxis and ride sharing services.[12][13] In April 2019, Bangalore Metro Rail Corporation Limited announced that it would implement the National Common Mobility Card on Phase 2 of the Namma Metro. The agency will spend 148 crore (US$21 million) to install the necessary technology. The existing contactless smart cards used on the system will eventually be phased out.[14] The Hindu reported in May 2019 that Mumbai may become the first city to implement the NCMC. The city's 17 public transport companies had previously begun work on developing an Integrated Transport System (ITS), which would be replaced by the NCMC.[15]

Brihanmumbai Electricity Supply and Transport (BEST) buses are set to become the first public transportation in India to roll out the National Common Mobility Card (NCMC). The one nation, one card system will initially be implemented on a pilot basis from November, 2019 and will be available widely only from 2020. More than 10,000 BEST conductors will be given the hand-held devices that would be able to scan the NCMC cards with just one tap, alongside generating paper tickets.[16]


  1. ^ "PM launches 'One Nation One Card'". The Hindu. PTI. 5 March 2019. ISSN 0971-751X. Retrieved 5 March 2019.CS1 maint: others (link)
  2. ^ "The RuPay Contactless Card with National Common Mobility Card (NCMC) support will be available with over 25 banks including Canara Bank, SBI, PNB and others | Gadgets Now". Gadget Now. Retrieved 5 March 2019.
  3. ^ VK, Anirudh (21 May 2019). "Behind The Tech: NPCI And RuPay's Common Mobility Card Explained". Curious Dose. Retrieved 21 August 2019.
  4. ^ a b "Pan-India mobility card that can be used for transport across country launched". Hindustan Times. 4 March 2019. Retrieved 5 March 2019.
  5. ^ "UD issues Smart National Common Mobility Card model - Times of India". The Times of India. Retrieved 5 March 2019.
  6. ^ Bhakta, Pratik (8 April 2019). "Visa set to board govt's mobility card". The Economic Times. Retrieved 26 April 2019.
  7. ^ Nandi, Shreya (13 May 2019). "Visa launches government's National Common Mobility Card". Mint. Retrieved 16 May 2019.
  8. ^ "Visa set to board govt's mobility card - ETtech". Retrieved 21 August 2019.
  9. ^ Bhakta, Pratik (22 May 2019). "Mastercard may soon put mobility card in its wallet". The Economic Times. Retrieved 22 May 2019.
  10. ^ "Mastercard set to join govt's One Nation One Card project - ETtech". Retrieved 21 August 2019.
  11. ^ "Mumbai local trains likely to get Centre's 'One Nation, One Card' ticket system first". Latest Indian news, Top Breaking headlines, Today Headlines, Top Stories | Free Press Journal. Retrieved 21 August 2019.
  12. ^ News, Urban Transport (28 March 2019). "Hyderabad Metro commuters will soon have common mobility card". Urban Transport News. Retrieved 26 April 2019.
  13. ^ Shah, Narendra (30 March 2019). "Hyderabad Metro Commuters will have Common Mobility Card soon". Metro Rail News. Retrieved 26 April 2019.
  14. ^ "BMRCL to introduce common mobility card in second phase". Deccan Herald. 1 April 2019. Retrieved 26 April 2019.
  15. ^ Mahale, Ajeet (4 May 2019). "Mumbai likely to be first to try out 'One Nation One Card' system". The Hindu. Retrieved 5 May 2019.
  16. ^ "BEST to become first undertaking to implement 'One Nation, One Card'". Moneycontrol. Retrieved 21 August 2019.