{"id":34779,"date":"2025-06-27T12:15:39","date_gmt":"2025-06-27T06:45:39","guid":{"rendered":"https:\/\/edunovations.com\/currentaffairs\/?p=34779"},"modified":"2025-06-27T12:15:49","modified_gmt":"2025-06-27T06:45:49","slug":"nach-3-0","status":"publish","type":"post","link":"https:\/\/edunovations.com\/currentaffairs\/national\/nach-3-0\/","title":{"rendered":"NACH 3.0 by NPCI: Faster Salary and EMI Payments with Enhanced Security"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_84 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/nach-3-0\/#NACH_30_by_NPCI_introduces_faster_and_more_secure_recurring_transactions_like_salary_credits_EMIs_and_SIPs_Learn_its_key_features_benefits_and_exam-relevant_details\" >NACH 3.0 by NPCI introduces faster and more secure recurring transactions like salary credits, EMIs, and SIPs. Learn its key features, benefits, and exam-relevant details.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/nach-3-0\/#NPCI_Launches_NACH%E2%80%AF30_to_Enable_Faster_Salary_EMI_and_SIP_Transactions\" >NPCI Launches NACH\u202f3.0 to Enable Faster Salary, EMI, and SIP Transactions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/nach-3-0\/#Enhanced_Interface_Dashboard_for_Banks\" >Enhanced Interface &amp; Dashboard for Banks<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/nach-3-0\/#Optimized_File_Handling_Real%E2%80%91Time_Alerts\" >Optimized File Handling &amp; Real\u2011Time Alerts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/nach-3-0\/#Robust_Security_Measures\" >Robust Security Measures<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/nach-3-0\/#Faster_Consumer_Benefits\" >Faster Consumer Benefits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/nach-3-0\/#Efficient_Dispute_Resolution\" >Efficient Dispute Resolution<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/nach-3-0\/#Why_This_News_Is_Important\" >Why This News Is Important<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/nach-3-0\/#Relevance_to_Government_Exam_Aspirants\" >Relevance to Government Exam Aspirants<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/nach-3-0\/#Impact_on_Digital_Payments_Financial_Inclusion\" >Impact on Digital Payments &amp; Financial Inclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/nach-3-0\/#Alignment_with_National_Digital_Strategy\" >Alignment with National Digital Strategy<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/nach-3-0\/#Historical_Context_Evolution_of_NACH_and_NPCI\" >Historical Context: Evolution of NACH and NPCI<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/nach-3-0\/#Key_Takeaways_from_%E2%80%9CNPCI_Launches_NACH_30%E2%80%9D\" >Key Takeaways from \u201cNPCI Launches NACH 3.0\u201d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/nach-3-0\/#FAQs_Frequently_Asked_Questions\" >FAQs: Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/nach-3-0\/#1_What_is_NACH_30\" >1. What is NACH 3.0?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/nach-3-0\/#2_Who_manages_the_NACH_platform_in_India\" >2. Who manages the NACH platform in India?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/nach-3-0\/#3_What_are_the_key_features_of_NACH_30\" >3. What are the key features of NACH 3.0?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/nach-3-0\/#4_How_will_NACH_30_benefit_consumers\" >4. How will NACH 3.0 benefit consumers?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/nach-3-0\/#5_Why_is_NACH_30_important_for_competitive_exams\" >5. Why is NACH 3.0 important for competitive exams?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/nach-3-0\/#Some_Important_Current_Affairs_Links\" >Some Important Current Affairs Links<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"NACH_30_by_NPCI_introduces_faster_and_more_secure_recurring_transactions_like_salary_credits_EMIs_and_SIPs_Learn_its_key_features_benefits_and_exam-relevant_details\"><\/span><strong>NACH 3.0 by NPCI introduces faster and more secure recurring transactions like salary credits, EMIs, and SIPs. Learn its key features, benefits, and exam-relevant details.<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"NPCI_Launches_NACH%E2%80%AF30_to_Enable_Faster_Salary_EMI_and_SIP_Transactions\"><\/span>NPCI Launches <strong>NACH\u202f3.0<\/strong> to Enable Faster Salary, EMI, and SIP Transactions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The National Payments Corporation of India (NPCI) has begun rolling out <strong>NACH\u202f3.0<\/strong>, a significant upgrade to the National Automated Clearing House system, starting in early <strong>July\u202f2025<\/strong>  This revamped platform will streamline recurring financial transactions such as salary credits, EMI payments, mutual fund SIPs, and pension transfers, delivering an enhanced experience for both banks and end-users.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Enhanced_Interface_Dashboard_for_Banks\"><\/span>Enhanced Interface &amp; Dashboard for Banks<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">With a modernized graphical user interface (GUI), NACH\u202f3.0 will consolidate critical data views\u2014transaction files, alerts, audit logs\u2014on a single intuitive dashboard. Banks will benefit from simplified navigation, self-service features (like account creation\/password resets), and the ability to manage or update escalation matrices dynamically <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Optimized_File_Handling_Real%E2%80%91Time_Alerts\"><\/span>Optimized File Handling &amp; Real\u2011Time Alerts<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Designed to manage higher daily volumes, the new system optimizes file processing\u2014critical during salary and EMI peaks Real-time monitoring tools and instant alert systems enable early detection of mandate failures, reversals, and suspicious activity\u2014reducing downtime and increasing reliability <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Robust_Security_Measures\"><\/span>Robust Security Measures<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Security enhancements include multi-factor authentication (MFA), role-based access controls, encrypted data transmission and storage, and detailed audit trails A significant upgrade is the disabling of plaintext downloads, replaced by PGP-encrypted file downloads\u2014eliminating major data exposure risks <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Faster_Consumer_Benefits\"><\/span>Faster Consumer Benefits<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">According to NPCI and experts, these improvements will enable faster salary credits, EMI debits, and SIP deductions as less bottlenecking occurs during high-volume transaction windows Instant alerts also give consumers real-time status updates, empowering them with better control over their finances <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Efficient_Dispute_Resolution\"><\/span>Efficient Dispute Resolution<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The updated system allows banks to upload and manage their escalation matrices in real time, reducing the turnaround time for resolving complaints or failed transactions  This will benefit both institutions and consumers.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\" id=\"NACH-3.0\"><img decoding=\"async\" src=\"https:\/\/media.assettype.com\/freepressjournal\/2025-06-20\/5vpvynw8\/NPCI-NACH.jpg\" alt=\"NACH 3.0\" title=\"NACH 3.0\"\/><figcaption class=\"wp-element-caption\">NACH 3.0<\/figcaption><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_This_News_Is_Important\"><\/span>Why This News Is Important<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Relevance_to_Government_Exam_Aspirants\"><\/span>Relevance to Government Exam Aspirants<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">For students preparing for government exams like SSC, banking, railways, defence, and civil services, understanding national payment systems such as NACH and NPCI is crucial. This update reflects India&#8217;s focus on strengthening digital infrastructure and modernizing recurring transaction systems\u2014topics often featured in the \u201cCurrent Affairs \u2013 Economy &amp; Finance\u201d sections.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Impact_on_Digital_Payments_Financial_Inclusion\"><\/span>Impact on Digital Payments &amp; Financial Inclusion<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">NACH\u202f3.0 accelerates and secures routine transactions like salaries, pensions, subsidies, EMIs, and SIPs\u2014benefiting millions. The enhanced reliability and transparency can foster greater trust in digital payments and further financial inclusion in line with India\u2019s broader digital economy objectives.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Alignment_with_National_Digital_Strategy\"><\/span>Alignment with National Digital Strategy<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Launched to streamline high-volume recurring transactions, this upgrade aligns directly with national ambitions\u2014such as Digital India, financial inclusivity, and implementing UPI-like real-time systems globally by NPCI. This development reinforces the government\u2019s tech-driven approach toward efficient governance and citizen welfare.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Historical_Context_Evolution_of_NACH_and_NPCI\"><\/span>Historical Context: Evolution of NACH and NPCI<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>2008<\/strong>: NPCI was established by the RBI and IBA under the Payment and Settlement Systems Act to operate retail payment platforms <\/li>\n\n\n\n<li><strong>2010<\/strong>: NPCI consolidated regional ECS systems across India into the National Automated Clearing House (NACH) to enhance recurring payments <\/li>\n\n\n\n<li><strong>2017<\/strong>: Introduced paperless, API-based e-mandates with NACH mandates replacing legacy ECS mandates <\/li>\n\n\n\n<li><strong>Pre-2025<\/strong>: The growing use of SIPs, EMIs, and auto-debits pressed NPCI to upgrade the system\u2014leading to NACH\u202f3.0. Critical focus areas were speed, security, real-time alerts, and encrypted file downloads.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Key_Takeaways_from_%E2%80%9CNPCI_Launches_NACH_30%E2%80%9D\"><\/span>Key Takeaways from <em>\u201cNPCI Launches NACH 3.0\u201d<\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>S. No.<\/strong><\/th><th><strong>Key Takeaway<\/strong><\/th><\/tr><\/thead><tbody><tr><td>1<\/td><td><strong>NACH\u202f3.0 launches in July 2025<\/strong>, updating the recurring payments system <\/td><\/tr><tr><td>2<\/td><td><strong>Improved GUI and dashboard<\/strong> for user-friendly monitoring and management<\/td><\/tr><tr><td>3<\/td><td><strong>Security upgrades<\/strong> include MFA, role-based access, audit trails, and PGP file encryption<\/td><\/tr><tr><td>4<\/td><td><strong>Faster processing<\/strong> means quicker salary credits, EMI and SIP payments, especially during peak times<\/td><\/tr><tr><td>5<\/td><td><strong>Easier escalation and dispute resolution<\/strong> through dynamic escalation matrices<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">NACH 3.0<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs_Frequently_Asked_Questions\"><\/span>FAQs: Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_What_is_NACH_30\"><\/span>1. What is NACH 3.0?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>NACH 3.0<\/strong> is the upgraded version of the National Automated Clearing House system introduced by NPCI. It enables faster and more secure recurring transactions like salary credits, EMIs, SIPs, and pensions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Who_manages_the_NACH_platform_in_India\"><\/span>2. Who manages the NACH platform in India?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>National Payments Corporation of India (NPCI)<\/strong> manages the NACH platform, which facilitates high-volume interbank transactions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_What_are_the_key_features_of_NACH_30\"><\/span>3. What are the key features of NACH 3.0?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Key features include a revamped GUI, real-time alerts, role-based access control, encrypted file downloads, improved audit trails, and faster file processing to ensure efficient recurring transactions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_How_will_NACH_30_benefit_consumers\"><\/span>4. How will NACH 3.0 benefit consumers?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Consumers will experience <strong>faster credit of salaries and pensions<\/strong>, <strong>timely EMI debits<\/strong>, and <strong>immediate transaction alerts<\/strong>, improving financial management and trust in digital payments.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Why_is_NACH_30_important_for_competitive_exams\"><\/span>5. Why is NACH 3.0 important for competitive exams?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This development highlights India\u2019s push towards digital governance, financial inclusion, and secure digital payments\u2014topics frequently covered in <strong>banking, SSC, UPSC, and state PSC exams<\/strong> under Economy and Digital India sections.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Some_Important_Current_Affairs_Links\"><\/span>Some Important Current Affairs Links<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairs\/category\/national\/\" target=\"_blank\" rel=\"noreferrer noopener\">State Current Affairs<\/a><\/div>\n\n\n\n<div 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rel=\"noreferrer noopener\">Current Affairs In Hindi<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-outline is-style-outline--6\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairs\/category\/news-and-notifications\/\" target=\"_blank\" rel=\"noreferrer noopener\">News and Notifications<\/a><\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.edunovations.quiz\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" width=\"900\" height=\"150\" src=\"https:\/\/edunovations.com\/currentaffairs\/wp-content\/uploads\/2023\/03\/Banner-current-affairs-2-1.jpg\" alt=\"Download this App for Daily Current Affairs MCQ&#039;s\" class=\"wp-image-247\" title=\"\" srcset=\"https:\/\/edunovations.com\/currentaffairs\/wp-content\/uploads\/2023\/03\/Banner-current-affairs-2-1.jpg 900w, 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Learn its key features, benefits, and exam-relevant details. NPCI Launches NACH\u202f3.0 to Enable Faster Salary, EMI, and SIP Transactions The National Payments Corporation of India (NPCI) has begun rolling out NACH\u202f3.0, a significant upgrade to the National Automated&#8230;<\/p>\n","protected":false},"author":6,"featured_media":34802,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10,144],"tags":[23361,14160,23951,466,23953,103,23952,23950,23954],"class_list":["post-34779","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-national","category-economy_finance","tag-banking-current-affairs","tag-digital-payments-india","tag-emi-auto-debit","tag-financial-inclusion","tag-nach-3-0","tag-npci","tag-recurring-transactions","tag-salary-credit-system","tag-sip-deductions"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/posts\/34779","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/comments?post=34779"}],"version-history":[{"count":2,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/posts\/34779\/revisions"}],"predecessor-version":[{"id":34803,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/posts\/34779\/revisions\/34803"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/media\/34802"}],"wp:attachment":[{"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/media?parent=34779"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/categories?post=34779"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/tags?post=34779"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}