Bhugtaan

Overview

Bhugtaan is a comprehensive digital bill payment collection application that enables public utilities, state government departments, public sector undertakings, and enterprises to collect bill payments through various interfaces viz. cash collection counters, web applications, mobile apps, bill payment machines, Village Level Entrepreneurs (VLEs)/suvida kendras, post offices, Bharat Bill Payment System (BBPS), Unified Payment Interface (UPI), Point of Sale (PoS) terminals, bank interfaces viz. ATM, phone banking, internet/mobile banking, etc.

Bhugtaan integrates various interfaces as a single service and supports various payment instruments viz. cash, cheque, draft, credit cards, debit cards, net banking, NEFT, RTGS, and money wallets.

In addition, it features real-time transaction monitoring, automatic reconciliation, fraud prevention, immediate defaulters detection, business analytics, and management information systems.

Benefits

Bhugtaan promotes Digital India Campaign and facilitates the online collection

Bhugtaan facilitates consumers to make payments towards their bills anytime and anywhere

Bhugtaan enables immediate reconciliation of remittances

Bhugtaan reduces realization time and cost of funds

Bhugtaan reduces the cost of collection of bill payments drastically

Bhugtaan increases the overall productivity of employees

Bhugtaan provides fraud prevention and notifies exceptions/discrepancies

Bhugtaan integrates with all popular MBC, CC&B, ERP, and CRM applications

Digital Payments Methods

Cash

Cheque, Draft

Credit & Debit Cards

Net Banking, NEFT, RTGS

Money Wallets

Key Features

The Proposed Electronic Collection System will feature following Modules:

Organization Structure

Enables organization to organize its Licensed area/Jurisdiction into Zones, Circles, Division, Sub Divisions

Employee Management

Enables organization to setup Employees, their Designations and their placement in respective offices

Identity Management

Provisions an Identity Management System to grant permissions to various Employees to access relevant modules

Integration with RMS

Integrates with CRM/RMS/MBC apps to retrieve Bills/Amount Due issued to various Consumers

Integration with Fintech

Integrates with various Stakeholders viz. Payment Gateway Service Providers/ Aggregators, Post Offices, Seva Kendras, Money Wallets, Banks, BBPS etc.

Multiple Interfaces

Provides Web and Mobile Interface to enable Consumer to make Payment online through Self Service or through Cash Counter

Multiple Options

Enables Consumer to make payment through Credit Card, Debit Cards, Net Banking, NEFT, RTGS, IMPS, Money Wallets apart from Cash, Cheque or Demand Draft