The document provides guidance for volunteers on teaching financial literacy and cashless transactions to beneficiaries. It outlines prerequisites for beneficiaries, such as literacy and a bank account. Volunteers must be comfortable with at least one cashless tool. The curriculum will introduce tools like debit cards, e-wallets, UPI, USSD and AEPS through videos and demonstrations. It will provide step-by-step instructions on registering and using each tool, with the goal of helping beneficiaries feel comfortable making cashless transactions.

1. Financial Literacy Curriculum
- Unstructured Supplementary Service Data -

2. Guidance note for
Trainers / Volunteers

3. Objective
• To facilitate financial inclusion
through provision of two
essentials i.e. literacy and
easy access of money in a
cashless Environment.
• To sensitize the beneficiary on
the various tools available to
him/her to make his/her
transactions completely
cashless.

4. Tools to Cashless Transactions

5. Prerequisites for Beneficiaries
• The beneficiary should be literate enough to solve basic mathematics
• The beneficiary should ideally have at least a basic phone with basic
internet connectivity and knowledge of how to operate it
• The beneficiary should have a bank account in at least one of the
recognized banks
Good to have:
• A debit card from the bank

6. Prerequisites for Volunteers and training
• Volunteers need to carry their own smartphones when visiting
beneficiaries
• Volunteers need to be completely aware and comfortable with at
least one option from among the tools mentioned earlier
• Volunteers need to train only on those tools in which
they think they are most comfortable
• Volunteers must remain with their beneficiaries
through open transactions, in order to ensure
they are completed properly

7. Parameters of Success
• The beneficiary needs to feel in total control and completely
comfortable of his/her money while using at least one of the cashless
modes of transactions
• The process to be made completely sustainable for beneficiary and
his /her family to start using the cashless systems

8. The Curriculum Modules
• Debit cards
• eWallets
• UPI
• USSD
• Aadhar Enabled Payment System (AEPS)

9. About the Curriculum
The Curriculum gives an in-detail, step by step process to make people
comfortable with all of the cashless transaction tools
• The curriculum will start with a basic video to sensitize both volunteers and
beneficiaries on how easy the transactions can be introducing everyone to
the cashless tools
• This will be followed by an interactive slide based session on where can the
tool be used and what problems does it solve
• This will be followed by a step by step process for registration and usage of
the tool
• Last section will be about the FAQs that may come up for each tool

10. USSD – Payment using basic phone without
internet
USSD
Dial *99# to get
started.
*99#

11. Prerequisites for Beneficiary
• The beneficiary should have a phone – Any phone will work
• The beneficiary should have his mobile number preregistered with his
bank

12. What is USSD?
Unstructured Supplementary Service Data (USSD), sometimes referred to as "Quick Codes"
or "Feature codes", is a protocol used by GSM cellular telephones to communicate with the
service provider's computers through which banks are able to make transactions happen
In easy Language?
A code that gives you access to your bank account and can perform simple transactions by
using basic sms system.
What is the special code?
*99#
How do I use this code?
Just enter *99# on any phone and press the call button.

13. Where do I use it?
• You can use this to send anyone money and to see your own account balance
• While *99# is for English, here is a list of codes you can use for other languages:
• Hindi *99*22#
• Tamil *99*23#
• Telugu *99*24#
• Malayalam *99*25#
• Kannada *99*26#
• Gujarati *99*27#
• Marathi *99*28#
• Bengali *99*29#
• Punjabi *99*30#
• Assamese *99*31#
• Oriya *99*32#

14. How do I use USSD?
• Step 1 - Dial *99# with your registered
number and wait for 3-5 seconds

15. How do I use USSD?
• Step 2 - : Enter the three letter abbreviation
of your bank name or first four-letter of bank
IFSC or first two digits of bank’s numeric code
and hit send or call button
• You can get your bank’s IFSC code from your
cheque book as shown below
How do I use USSD?

16. How do I use USSD?
• Step 3 - You will see some options for
the services. It can be different for
different banks. These options are-
• Account Balance
• Mini statement
• Send money using MMID
• Send Money using IFSC
• Generate M-PIN
How do I use USSD?

17. How do I use USSD?
• Step 4 - Enter any option from above
depending on what you want to do and
press ‘Send’ or Call key
• Eg: If you press 1 and send, you get a
message with your account balance
How do I use USSD?

18. How to transfer Money using USSD?
• Repeat the first 3 steps as given earlier
• Step 4 - Type ‘7’ to Generate MPIN

19. How to transfer Money using USSD?
• Step 5 - Enter the last 6 Digits of your
Debit card number and Expiry Date
(MMYY) separated with a single space
and press ‘Send’ or call key
How to transfer Money using USSD?

20. How to transfer Money using USSD?
• Step 6 - Now you need to create your
new MPIN – A four digit PIN that you
will need to keep secret to make sure
that no one else can use your bank
account through the mobile phone
• Enter the PIN twice separated by a
space and press ‘Send’ or call key
How to transfer Money using USSD?

21. How to transfer Money using USSD?
• Step 7 - Now you need to create your
new MPIN – A four digit PIN that you
will need to keep secret to make sure
that no one else can use your bank
account through the mobile phone
• Enter the PIN twice separated by a
space and press ‘Send’ or call key
How to transfer Money using USSD?

22. How to transfer Money using USSD?
• Step 8 - Now you need to create your
new MPIN – A four digit PIN that you
will need to keep secret to make sure
that no one else can use your bank
account through the mobile phone
• Enter the PIN twice separated by a
space and press ‘Send’ or call key and
the MPIN will be set successfully
How to transfer Money using USSD?

23. How to transfer Money using USSD?
• Step 9 - Repeat the first 3 steps as
given earlier
• Type ‘4’ to start transaction using IFSC
and press ‘Send’ or the call key
How to transfer Money using USSD?

24. How to transfer Money using USSD?
• Step 10 – Enter Payee (the person we
need to pay money to) IFSC (11 digit
code). This code will be given by the
beneficiary and can be seen in the
cheque book as shown below
How to transfer Money using USSD?

25. How to transfer Money using USSD?
• Step 11 – Now enter the account
numer of the payee. BE VERY CAREFUL
WHILE DOING SO as a wrong account
number can get the payment
transferred to someone else’s account.
How to transfer Money using USSD?

26. How to transfer Money using USSD?
• Step 12 – Now enter the amount you
need to pay. Maximum amount that
can be paid through this tool is Rs.
5000
How to transfer Money using USSD?

27. How to transfer Money using USSD?
• Step 13 – Now enter the MPIN you had
created earlier and press send.
• SUCCESS !! Your transaction is done
and you will receive an sms for the
same.
How to transfer Money using USSD?

28. FAQs
• Do TSPs (Telecom Service Providers) charge the customer for *99# service?
Yes. TSPs charge the customer for using *99# service. Please contact your Telecom Service Provider to know
the exact charges for using *99# service. However, TRAI (Telecom Regulatory Authority of India) has set a
maximum ceiling of Rs. 1.50 / transaction for usingthe *99# service.
• Is there any transaction limit set for the *99# service?
The RBI guidelines for Mobile Banking Services has prescribed a ceiling of Rs. 5000 per transaction for
financial transactions using *99# service.
• Is the beneficiary customer also required to register for Mobile Banking services for receiving the funds using
*99# service?
No. Beneficiary is not required to register for receiving funds using Account Number /Aadhaar Number.
However, beneficiary is required to register himself/herself with his/her bank for mobile banking services for
receiving funds using Mobile Number & MMID. Beneficiary customer should approach his bank for getting
MMID.
• If I change my Mobile number, do I need to register again for the Mobile Banking?
Yes. The customer needs to register his/her new mobile number with his/her bank for availing the mobile
banking services on his new number.
• Where can a customer register complaint w.r.t. *99# transaction?
Customer can log following type of complaints faced while using *99# service:
• Network related - With respective Service providers like Airtel, Vodafone etc.
• Transaction related - With respective banks