Banking system change! Salary, EMI, subsidy – everything will be affected from July! NPCI’s new NACH 3.0

NPCI’s new NACH 3.0 system will be implemented from July 2025, which will make bank transactions like salary, EMI, subsidy fast and secure. The new features include improved user interface, real-time alerts, multi-factor authentication and more transaction capacity, which will improve the customer experience.

The National Payments Corporation of India (NPCI) recently said in a circular that the NACH system is going to get a major update from the first week of July 2025. This new and upgraded system will now be known as NACH 3.0. Through this, not only salary and subsidy will come quickly, but bank transfers will also be faster and safer than before.

What is NACH?

For those who are not familiar with it, let us tell you that NACH (National Automated Clearing House) is a strong and automated system of bank-to-bank transactions in India. Through this, monthly salary, pension, subsidy, loan EMI and other regular payments are made easy. Your mutual fund SIP, auto payments of apps like Netflix are also done through this system. That is, NACH is an important part of our everyday financial transactions.

What changes are coming in NACH 3.0?

According to NPCI, the new NACH 3.0 version will come with many security and functional improvements. This will improve the user experience, strengthen data protection and security and high volume transactions can be processed more reliably. This update will provide fast, easy and secure banking experience to common consumers.

Important changes in NACH 3.0

  • Improved GUI interface: NACH’s graphical user interface has now been upgraded to meet new security standards, providing users with a better and safer experience.
  • Easy navigation: Banks will now be able to view all the important details on a single screen, making monitoring and access easier than before.
  • Improved file handling: The new system will now be able to process a larger number of files quickly and efficiently.
  • Advanced dashboard: Banks will now be able to track which files have been sent and which have been received through an upgraded dashboard.
  • Self-service user management: Users will now be able to create their own accounts and reset passwords without the help of the bank.
  • Escalation matrix update: Now banks can submit or update their escalation matrix with NPCI at any time. This process has now been made more convenient.

Important security changes in NACH 3.0

NPCI has said that many advanced security standards have been implemented in NACH 3.0 to strengthen the security and reliability of the system. The purpose of these improvements is – safety of data, monitoring of transactions and preventing unauthorized access. Let us know what major changes will happen.

  • Advanced Technology: Data transmission and storage will now be based on secure technology through both GUI (Graphical User Interface) and H2H (Host-to-Host).
  • Multi-Factor Authentication (MFA): MFA will be implemented for user login (this feature will be activated after ‘Go Live’), which will make account access even more secure.
  • Role-Based Access Control: Every user will see data according to his need and role, this will prevent misuse of data.
  • Enhanced Audit Trails: Accurate information of every activity will be recorded, so that monitoring and compliance of rules is easy.
  • Real-time Monitoring and Alerts: Transaction processing and receiving activities can now be monitored live.
  • Plain text file download stopped: Keeping in mind the security of sensitive data, file download without encryption will no longer be allowed.
  • PGP Encryption Module: Now PGP encryption will be implemented in file downloading done from the frontend, which will maintain the confidentiality of data.

What will be the benefit of NACH 3.0 to customers?

After the implementation of NACH 3.0 update, common customers are going to get many facilities. According to experts, how will this new system make your financial transactions better. Let’s know about this from the experts-

The process of salary and EMI will now be faster than before

Shravan Shetty, Managing Director of Primus Partners, says that the biggest benefit of this new update will be to those customers whose salary comes every month through NACH or who make automatic payments like EMI. He said – NACH 3.0 now has more file handling and processing capacity than before. This will make it faster for banks to process transactions and customers will get a timely and easy experience. Especially when it comes to high-volume transactions like salary credit or EMI collection.

Real-time alerts and tracking will provide transparency

Finkeda Chairman and MD Manish Kumar Goyal believes that the most important improvement in NACH 3.0 is real-time monitoring and alerts. He said – Most NACH transactions are related to EMI, salary and scheduled payments. Now when customers will get instant alerts that money has been sent or received, it will be easier for them to manage their money.

More secure, fast and user-friendly system

Goyal says that with the new security features and fast processing, NACH will now become more secure, transparent and convenient for the common man, especially in case of regular payments.

It will make maximum transactions easy

Muskan Kukreja of Dr. Shantilal K. Somaiya School of Commerce and Business Studies says – ‘Due to the increased transaction capacity, a large number of payments can now be processed quickly. This will not only make the work of banks easier but customers will also be able to make their monthly important payments without any hassle.’

The post Banking system change! Salary, EMI, subsidy – everything will be affected from July! NPCI’s new NACH 3.0 first appeared on informalnewz.

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