NPCI-Compliant Clearing Gateway

Data Exchange Module (DEM)

High-Throughput, Cost-Effective Clearing House Gateway for Indian Banks.

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

Cost & Architecture Comparison

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 Cost60% 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 scripts

Technical Specifications

Enterprise Clearing Capabilities

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

NPCI CCH Interface Pipeline

Seamlessly uploads outward clearing files and automatically retrieves inward files and clearing masters from NPCI Central Clearing House.

Hardware Security Module (HSM) Integration

Integrates with industry-standard PKCS#11 HSMs for automated cryptographic signing, key exchange, and file payload encryption.

Periodic Un-retrieved Inward Polling

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

Secondary CH Disaster Recovery

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

FAQ

Data Exchange Module Questions

Answers on NPCI guidelines compliance, HSM compatibility, and cost sharing.

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.