Rajasthan Public Welfare Benefits

Delivery Scheme

(Bhamashah)

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Scheme Brief

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Who was Bhamasha ?

The word Bhamasha has been taken from the remarkable character in the

Indian History who was an intelligent man, a philanthropist, a warrior and

a Jain Shrawak.

He belonged to Oswal Vaishya community. He was advisor to Maharana

Pratap. Bhamasha fought massive wars against Moguls, looted their

treasures, donated all his wealth for Mewar and consistently helped

Maharana Pratap as his advisor.

He was an example of the spirit of love for his motherland.

(1547 - 1600 )

To reform and institutionalize direct benefit delivery

mechanism of government programmes:

• To transfer all cash benefits directly to the bank account of the beneficiaries of the state.

• To provide all non-cash benefits directly into the hands of the beneficiaries of the state using aadhaar enabled biometric authentication.

Help focus government schemes to benefit women and to

financially empower women;

To bring about complete financial inclusion in the State.

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Vision and Objectives

First DBT scheme of the Country. Multiple benefit smart cards. Bank accounts in names of women. Incentive of Rs 1500 for opening of a bank

account. Enrollments done : 45.78 lacs. Bank accounts opened : 29.07 lacs. Amount transferred : Rs 161.49 Crs in 10.76

lac accounts.

Bhamashah envisaged in 2008

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Unique Identification (Aadhaar)

Payment Gateway Enabled (NPCI)

Banks have become Core Banking enabled

All banks are linked – Interoperable

Enabling guidelines from RBI for

• Financial Inclusion

• Electronic Benefit Transfer

Changes since 2008 – At Central Level

IFMS has been made operational

Expansion of e-Mitra/CSC Kiosks – more than 10000 kiosks operational in the State

Government Payments linked with Banks

IT Enablement of Government Schemes

Changes since 2008 – at State Level

Relaunching of scheme was made by budget announcementin the year 2014-15.

Retain the essence of 2008 scheme –• Gender empowerment.• Financial inclusion.• Effective Service delivery - Family based benefits along

with individual benefits. Leverage the positives of U.I.D. and Core Bank Enablement

(Jan Dhan). Use the platform for larger number of schemes – Cash and

Non Cash. Increased geographical coverage.

Bhamashah 2014

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Key Highlights of the Scheme

End to End service delivery platform that includes :

o identity,

o entitlements,

o benefit transfer(unlike GoI, separate D.B.T. Department is not required),

o benefit disbursement

Leverages positives of Bio metric identification, Core banking network and

Integrated Financial Management System of the State.

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Single unique data set for all the residents of the State :

o All the demographic and social parameters included to work out

entitlements.

o Provision of leveraging of this single data set by all the departmental

application softwares/portal

Two level verification mechanism for ensuring quality of data and also to

check inclusion of non-citizens :

o Verification by senior government functionaries and gram/ward

sabhas.

o Accountability of verifiers is being ensured using digital signatures

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Key Highlights of the Scheme

Programme for Financial Inclusion :

o Mandatory bank account linkage with every resident profile (i.e. Cardissued).

o New bank account is opened, if family is not having an existing bankaccount

Points of service at all panchayats in rural areas and wards in urban areasbeing ensured (10,000 Points of Service) :

o For cash and non cash service delivery

Women Empowerment :

o The bank account has to be necessarily in name of lady of the house,and operated only by the women, so that the benefits transferred incash are put to good use of the family.

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Key Highlights of the Scheme

Challenges faced prior to deployment of Project

No single referral repository of all residents in the state

Benefit (cash as well non-cash) transfer to right beneficiary could not be ensured

Leakage in benefit transfer in Welfare schemes

Planning and Roll out of new Welfare Schemes used to take more time

High operational cost involved in benefit transfer of welfare schemes –Rs. 25/- per beneficiary per month for disbursing benefits through money order

Eldest male head of the family. Lady of the house was economically dependent on male members of the house.

No linkage of residents with financial services and no service delivery was available near door step of residents of the State

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Technical Platform

S.No. Particulars Detail

1. Application Software

Application Software in J2EE platform Enrolment, Seeding, DBT etc.

Websphere Application Server IBM PureApp

Linux Operating System

2. Website

ASP .NET

3. Back-end Platform

Oracle 12c database server Oracle Exadata

IBM Filenet document management system

SAS data quality software

4. SMS gateway – MSDG

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Bhamashah

Status

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Progress at a Glance

S.No. Particulars Detail Figures

1. Enrolment Families 95 lacs

Individuals 3.25 crores

2. Verification First Level Verification 67.6 lakhs

Second Verification 64 lakhs

3. Cards printed Bhamashah Cards 51 lakhs

Co-branded Cards 14 lakhs

4. Bhamashah Data Hub Families 62 lakh

Individuals 1 crores

5. Points of Service BC’s / microATM 12000

(Financial Inclusion)

6. DBT Transactions Cash 15 lakhs

Non-cash 1 lakhs.

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• Applications :

– Bhamashah Portal : Operational

– Bhamashah Mobile App : Operational

– Health Insurance : 3i Infotech selected as Technology Partner.

– Co-operative Core Banking & FI gateway solution : T.C.S. selected as Technology Partner

Status Summary

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List of Application Software developed under the project

Camps management System

Training Management System

Budget monitoring System

Card printing and Distribution System

Incident Management System

Online as well as offline Enrolment Software

Quality Control Software

Seeding Software

Entitlement & Transaction monitoring software

Direct Benefit Transfer Software

Software for Non-cash benefit transfer through micro-ATM after biometric authentication

Mobile App

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Integration

Integration with MSDG (for SMS services)

Integration with Mailing Server

Integration with IFMS

Integration with e-Mitra

Integration with Departmental legacy databases viz. Ration card, NREGA. Pension, scholarship etc.

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Coverage of Beneficiaries

S.No.

Particulars Population(in Lacs)

1. Ration Cards and Food Security 168.0

2. NAREGA Job Cards 99.5

3. Rajasthan Social Security Scheme beneficiary (State and

Centre sponsored schemes)

58.5

4. Scholarships 6.55

5. BPL 22.0

Cost Effectiveness

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S.No.

Particulars Detail BudgetAmount

1. Logistics IEC, Camps, Enrollment, Cards etc.

Rs. 360 crores

2. Hardware /Software Rs. 25 crores

3. Application Stack Rs. 15 crores

Estimated Project Cost Rs. 400 crores

S.No.

Particulars Detail Beneficiary Total Cost

1. Unorganized Labour/ NFSA UWIN card2 crores Rs. 40 crores

2. Health Insurance RSBY Card

4. Pensioners Rs. 25/- per pensioner

60 lakhs Rs.180 croresper annum

Expenditure on Schemes :

Future Roadmap

To include all welfare schemes for benefit transfer under bhamashah platform

To consolidate all entitlements to a family across all welfare schemes

Standardization of master database across all departmental databases

Cleaning of departmental databases

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Bhamashah

Resident Data Hub

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Family as a Unit.

Demographic as well as Socio-

Economic profile.

Complete entitlement profiling.

Created after De-duplication,

Verification and Quality Control.

Would be single set of data to be used

by all the departmental applications.

Bhamashah Resident Data Hub

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Aadhaar Identification Data (KYR) –

Includes - Name, Date of birth, Gender, Address, andbiometric imprints.

Proof of Identity.

Proof of Address.

Basic Demographic Data (KYR+) –

Will include - marital status, income, religion, category,occupation, educational qualification

Family Identity

Socio-economic Status

Scheme Specific Data –

Scheme specific parameters

To be maintained by Departments concerned

Database of Ordinary Resident

UID CIDR

KYR and KYR+ data

at State Data Center

Dept. of Food &

Civil SuppliesElection

Department

Rural

Development

Department

Social Justice &

Empowerment

Department

CIDR Verification of

KYR Data

State Resident Data Hub/

Bhamashah Data Hub

Scheme Specific Data

Aadhaar Data(KYR) andBasic Demographic Data under

the bhamasha scheme (KYR+)

State Resident Data Hub

Any change to KYR data needs to be first done at CIDR. SRDH data should be maintained up-to-date with CIDR

so that the services of SRDH are reliable for the State Departments using the data.

Name

Address

Gender

Date of birth1 person1 number

4 demographics + 3 biometrics = 1 unique Aadhaar number

Photo

Both

iris

10 finger-

prints

Aadhaar Identification Data(KYR)

Basic Demographic Data (KYR+)

Basic Demographic Data (KYR+)

The key usage of State resident KYR and KYR+ data is for :

‘Seeding’ of departmental databases with Bhamshah id, Aadhaar number and bank account number

‘Cleaning’ of departmental databases (Format

standardisation, duplicate removal, incorrect information etc.)

Legitimate Resident data accessible to States’ applications

Ability to better manage the fund disbursement and social welfare / financial inclusion schemes

Bhamashah Resident Data Hub

Bhamashah

Card

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Under Bhamashah Scheme provision for three types of cards has been made :

• Family Identity Card• Resident (Individual) Identity Card • E-Card

Family Identity card shall be provided free of cost by the State Government. Individual resident identity card shall be provided on payment basis.

Multi-Purpose Identity Card

Bhamashah Family Sample Card

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Bhamashah Individual Sample Card

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Bhamashah e-Card

Family Card Individual Card34

Co-branded RuPay Card

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Minimum one point of service would be created by Government in each Gram Panchayat. A total of 9900 PoS shall be opened at each panchayats of the State.

Both cash as well as non-cash services would be provided through these point of services. Enrolment of residents (Aadhaar as well as Bhamasha)

G2C & B2C Service (being provided by CSC Kiosks)

Banking Service (to be provided by BC)

Grievance Filing (Rajasthan Sampark Center)

Available facilities would be leveraged for the purpose.

Point of Service

Bhamashah

Process Flow

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Dash Board

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Dash Board

Enrolment• Single Resident Data Hub –

– Demographic Details.

– Entitlements.

• Family Based.

• Through –

– E-Mitra Kiosks.

– Bhamashah Portal.

• 3 Stage Verification.

• Quality Control –

– De-duplication.

– Error Removal.40

Card

Module

B

D

H

QC &

Edit

Verification

Rectification

Dedupe

D

A

T

A

S

U

M

P

Portal

Online

Offline

Error Report Mapper Mgmt Bulk Push

Entry

Updation

Correction

E-Mitra

Camps

QUEUE MANAGER

LOGS MIS MGT

Enrollment

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Beneficiary

Courier

Receipt

&

Despatch

Ack.

Gen.Inventory

Print

GEN

Card

&

E-Card

B.D.H

Error

Report

Q.C.

&

Edit

Card Management

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Online Enrollment

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Head of Family VerificationVerification

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Verification

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Quality Control

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Seeding

• Seeding – Linkage with departmental applications.

• Features –

– Entitlement Number

–Bhamashah Number.

–Aadhar Number.

–Bank Account Number.

–Mobile Number.47

Seeding

Log & MIS

Conflict

Mgr

SEEDING

&

REVERSE

MDM

B.D.H

DEPT.

DATAVerification

Verification

Department

MirrorB

D

H

Dept.

Data

Base

Seeding & Leveraging BDH

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Seeding

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Seeding

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Second Seeding

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Benefit Transfer

• Application for DBT, in case scheme is not IT enabled.

• Bio-metric and OTP based authentication facility.

• Initiation of benefit transfer from departmental application.

• Transactions log transfer to Bhamashah Application –

– S.M.S. to beneficiary.

• Disbursal at Point of Service –

– Log in Bhamashah Transaction Mapper.

– S.M.S. to beneficiary.

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Bhamashah DBT Engine

Management / M.I.S.

Scheme

Creator•Name

•Department

•Eligibility

•Benefit type

Deliverable

Beneficiary

Listing /

List

Porting

Benefit

Transfer

Coupon /

Voucher/

Certificate

generator

B.D.HTransaction

Data

I. F. M. S.Bank

Bank

P.O.S.Non-Cash

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B. D. H.

Entitlement

Mapper

Transaction

Mapper

a. Due

b. Transferred

c. Withdrawn

Synch.

Engine

Department

I. F. M. S.B

A

N

K

B.C.

Direct Benefit Transfer

Non-CashPoS 54

DBT Engine

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1. Bhamashah DBT Engine – For schemes which are not IT

enabled.

2. Rs 2000 grant being transferred using DBT engine.

RajSSP Login Page

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RajSSP Bill Entry

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RajSSP Complete Regular Payment Compute

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NREGS Payment

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NREGS Payment

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JSY Payments

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JSY Payments

B.C. – Cash P.o.S.

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On clicking

RPDS App

Service Delivery: Non Cash

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On clicking

Language

FPS Login Screen Opens

Device and ePDS Device Application in Rajasthan

Service Delivery: Non Cash

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On Clicking

Issue Ration

Select the Bhamashah Card and Enter the Bhamashah No.

Service Delivery: Non Cash

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Family Members are displayed

On Selecting Family Member and

Clicking Next

Biometric Authentication is done

Service Delivery: Non Cash

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On

Confirm

Service Delivery: Non Cash

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On Clicking

Available

Stock

On Clicking Update Stock

Service Delivery: Non Cash

Transaction Mapper

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Transaction Mapper

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Transaction Mapper

Family view showing entitlement of government schemes.

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DBT Transaction MapperTransaction Mapper

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Mobile App

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Thank You

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