The UTSAV card is a simple card looking like a debit card or credit card. It is preload with the amount of 10,000/- in the form of special festival advance.

Sample of the preloaded UTSAV card for special festival advance

What is UTSAV Card? SOP for issuance of UTSAV card for Special Festival Advance

Standard Operating Procedure to issue UTSAV Card for Special Festival Advance

01. DDOs of all the Ministries/Departments of Government of India will advise Digital & transaction Banking (Products & Operations) Department (D&TB-P&O), Corporate Centre, Mumbai, the total number of Prepaid UTSAV Cards required by them in MS Excel (.xls) file format (Already shared with DFS). They will also mark a copy to the Nodal Official at DFS for control purpose. 

2. DDOs will also provide the granular details of the Beneficiaries in MS Excel (.xls) file format (Already shared with DFS) to D&TB-(P&O) along with Link Branch (SBI / Other banks) details where the DDO Account is maintained (Bank Name, Branch Name, Branch Code, IFSC Code, and DDO’s contact details). They will also mark a copy to the Nodal Official at DFS for control purpose.  Data in column 21-26 will be populated by D&TB-(P&O) and the updated file shall be forwarded to the Link Branches for uploading in PCMS Portal.

3. DDOs to forward the above details (Card requirement and Granular Data) through e-Mail to [email protected] with a copy to [email protected]

4. DDOs may also contact their Link Branch (where their account is maintained) for submission of the above lists. Branches to receive them and forward to the above e-Mail IDs.

5. D&TB (P&O) shall intimate the identified Link Branches by e-Mail on receipt of the indent from DDOs. The Link Branches to follow-up with the DDOs for expediting the submission of the granular details of the Beneficiaries for the smooth rollout of the project.

6. D&TB (P&O) shall also advise the Nodal Official at DFS / DoE on receipt of indents from DDOs.

7. Indents for the total number of Utsav Cards shall be raised in PCMS Portal from a few identified Branches by D&TB (P&O) (Hereinafter, referred to as Nodal Branches).

8. D&TB (P&O) to share with IT-ATM Team at GITC the individual Branch details along with the quantity of Utsav Cards against each Branch.

9. GITC to generate the Utsav Card number, Card Reference (Proxy) No., Physical PIN and share them with the Card Vendors for Kit preparation along with individual Branch address to which the Kits have to be dispatched.

10. Card Vendors to prepare the required number of Kits (Card & PIN) and despatch the same to the Link Branches.

11. Post-despatch, Card Vendors to share the despatch details to both D&TB (P&O) and GITC (Card Number range, Kit Serial Number range, Despatch date, Despatch address, etc.).

12. GITC to share the Branch-wise Card details with D&TB (P&O) (Batch Number, KIT Reference Number, Branch Name, Branch Code, Card Number, etc.) post generation of card personalization file (Emboss File) in the standard format.

13. D&TB (P&O) to initiate card inventory transfer from the Nodal Branches to the Link Branches. (Dedicated Officer at Nodal Branch to transfer the inventory as per instructions from D&TB (P&O)). Data in column 21-26 will be populated by D&TB-(P&O) and the updated file shall be forwarded to the Link Branches for uploading in PCMS Portal.

14. Cards despatched by the Card Vendors to be received at Link Branches.

Procedure to be followed at Link Branches

1. Branch to contact the respective DDOs.

2. DDO reaches the Branch and submits a duly signed hard copy of the employee details (Beneficiary details to whom Gift Cards are issued) already submitted along with the authorization letter and Govt. Cheque to debit the DDO account to an amount equivalent to the total value of the Utsav Cards. (Card issuance charges @ Rs. 36 per card + GST @ 18% to be included in the Cheque amount = Rs.42.48 per card. Illustration: In respect of an intent for 100 UTSAV Cards, Cheque for (100 x Rs. 10,000.00) + (100 x Rs.42.48) = Rs.10,04,248.00 to be obtained.)

3. Branch to debit the respective DDO account with the applicable amount and transfer the amount (equivalent to total load value) to Prepaid Card Parking Account. Issuance charges to be credited to Prepaid Card Commission Account.

4. D&TB (P&O) to prepare the upload file (Beneficiary details + Card details) in the standard format.

5. D&TB (P&O) to send the file to the respective Link Branches.

6. Nodal Official (Maker) at the Link Branch to upload the file in PCMS Portal. This needs to be verified by the Checker. The Checker will have to enter the Transaction Reference Number during verification.

7. After realization of payment of the Govt. Cheque issued by the DDO (especially where the DDO maintain account with some other bank), Link Branch to handover the Utsav Cards to the DDO against acknowledgement. This should be safely preserved for due verification by Govt. Auditors.

Accounting Process – at Link Branch


Through Link Branch: Prepaid balances can be loaded through SBI Link Branch using PCMS Portal by debit to DDO’s account.

Before loading the Card, the Branch has to complete funding of Prepaid Parking BGL Account (4692094) in CBS. The Parking Account is a reconciliatory type of BGL.

Dr - DDO Account (With the total of Load Value + Issuance Fee)
Cr - RuPay INR Prepaid Card Parking Account (4692094) (With the Load Value)
Cr - RuPay INR Prepaid Card Commission Account (4692096) (With the Issuance Fee)

A system Transaction Reference Number will be generated in CBS starting with SYS.

Branch to share the Transaction Reference Number with D&TB (P&O) through e-Mail to [email protected] with a copy to [email protected]

The Maker (Upto Capability Level 4 in CBS) has to login to Prepaid Site through a link provided in CBS and do the single card loading/reloading process or bulk upload using the file already shared with them by D&TB (P&O).

The Checker (Capability Level 5 and above in CBS) will authorize the loading/reloading input by the Maker. The Checker will also input the SYS Transaction Reference Number generated in CBS and the amount in Prepaid Application.

Complaint Management:

In case of any queries, Link Branches may contact the Nodal Official in D&TB Department at Local Head Office, who will be the first point of reference.

The Nodal Official would guide the Link Branch in speedy resolution of the issue.