NPCI-Compliant Clearing Gateway

Data Exchange Module (DEM)

High-throughput, cost-effective clearing gateway connecting banks directly to the Central Clearing House.

Developed for banks registered with NPCI as CTS participants. Seamlessly interfaces with the Central Clearing House (CCH) with HSM encryption, automated session polling, and up to 60% lower infrastructure capex compared to legacy CHI.

Cost & Operational Benefits

Why Modern Banks Prefer DEM over Legacy CHI

NPCI approved DEM to make clearing connectivity lightweight, multi-tenant capable, and significantly more affordable.

PARAMETERFINVERGE DEMLEGACY CHI INTERFACE

Infrastructure CostUp to 60% Lower Server & Network CapexHeavy, expensive dedicated server footprints

Multi-Bank Shared TenancySupported (Federated sharing across UCBs)Rigid single-institution dedicated setup

Protocol SecurityHTTPS REST & SFTP with HSM digital signaturesProprietary legacy messaging interfaces

Disaster Recovery SwitchoverAutomated Secondary CH failover routingComplex manual DR invocation procedures

Commercial Value

Enterprise Clearing Capabilities

Robust protocols ensuring secure automated file exchange with NPCI with zero manual file manipulation.

Automated Clearing File Exchange

Seamlessly dispatches signed outward clearing packages and retrieves inward files and clearing masters during NPCI session windows.

Hardware Security Module (HSM) PKI

Integrates with industry-standard PKCS#11 HSMs for automated digital signature generation, key exchange, and payload encryption.

Continuous Inward Polling

Automated background services monitor and retrieve pending inward clearing files during designated NPCI session windows.

Secondary CH Disaster Recovery

Pre-configured contingency routing enabling instant failover between primary and secondary NPCI clearing houses without session loss.

FAQ

Data Exchange Module Questions & Answers

Answers on NPCI guidelines alignment, HSM compatibility, and shared hosting models.

DEM is an NPCI-compliant, cost-effective alternative to the legacy Clearing House Interface (CHI). It provides a secure, automated gateway for transmitting signed outward clearing files to the NPCI Central Clearing House and downloading inward files for CTS participants.