R. Subrahmanyam, I.A.S. Principal Secretary to the Government Rural Development Department Andhra...
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Transcript of R. Subrahmanyam, I.A.S. Principal Secretary to the Government Rural Development Department Andhra...
R. Subrahmanyam, I.A.S.R. Subrahmanyam, I.A.S.
Principal Secretary to the Government Principal Secretary to the Government
Rural Development DepartmentRural Development Department
Andhra PradeshAndhra Pradesh
R. Subrahmanyam, I.A.S.R. Subrahmanyam, I.A.S.
Principal Secretary to the Government Principal Secretary to the Government
Rural Development DepartmentRural Development Department
Andhra PradeshAndhra Pradesh
Presentation for “Enhancing delivery of G2P
payments”
Presentation for “Enhancing delivery of G2P
payments”
1
Why the project?
Direct electronic transfer of funds into bank a/c Payment only after biometric authentication Payment in the village Track movement of cash till the end beneficiary Capture delays, fix accountability and penalise Pay service charges to Banks for the service
Principles
Every village adopted by Bank or Post Office – BC Bank/Post Office appointed a Tech Service
Provider All beneficiaries’ biometrics captured in the
village Bank/Post Office account opened for each CSP appointed; equipped in each village Direct cash transfer into the bank accounts CSP paid after biometric authentication.
Process
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Smart Card Payments -Process Flow
5
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Biometric Technology
11001000…
Image
Template
Receipt Generation Slot
Receipt Generation Slot
Slot to capture thumb print
Slot to capture thumb print
Slot to insert Operator / Customer card
Slot to insert Operator / Customer card
Arrow Key for starting the device
Arrow Key for starting the device
F buttonF button
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AXIS BANK
BLC-00-00389-01MEKALA NARAYANAMMA DoB: 05-AUG-1965D/o. Guntala Lingaiah VILLAGE: DOMAMANDAL: ACHAMPET
BANK Model in 75% of GPs
Pilot in 6 mandals by 6 banks Service Area Approach tried in 6 districts without
success One District-One Bank Model in 16 districts 10 Banks, 8 TSPs, 8 BCs Local SHG Woman as CSP in every GP
Post Office Model: 2 full & 7 part districts: 25% of GPs AP Online only provides hardware & software services Post Office acts as Bank-BC-CSP Local SHG Woman as franchisee in GPs without BPO.
A. P. Model of EBT
Progress MCC-1100
DCC-324
MCC-1100
DCC-324
Banks-10
Post Office
Banks-10
Post Office
TSPs-8TSPs-8 BCs-8BCs-8
Wage seekers-109 Lakhs
Pensioners-72 Lakhs
Wage seekers-109 Lakhs
Pensioners-72 Lakhs
CSPs-20719BPMs-3480CSPs-20719BPMs-3480
FY 2012-13
FY 2012-13
Wages Amount-2163
CrTransactions-
4.5 Cr
Wages Amount-2163
CrTransactions-
4.5 Cr SSP
Amount-1371 CrTransactions-72
Lakhs
SSPAmount-1371 Cr
Transactions-72 Lakhs
Since Incepti
on
Since Incepti
on
WagesAmount-4255
CrTransactions-
10 Cr
WagesAmount-4255
CrTransactions-
10 CrSSP
Amount-3156 CrTransactions-72
Lakhs
SSPAmount-3156 CrTransactions-72
Lakhs
GOAP-RDD
MGNREGA Wages & Social Security Pensions
covered Enrolments started in 95% GPs Payments started in 80% GPs Over Rs.7,400 crores paid since 2007 During FY 2012-13, Rs.3,400 crores paid out till
October-12. System well-received by people:
40% paid in 7 days, 65% in 14 days.
ACHIEVEMENTS
End to end Transaction-based MIS. Electronic Fund Management System CSP- local SHG Woman Smart Card Wing headed by Additional Commissioner. EBT Coordinator at district level MIS: Disbursement delay analysis Compensation System for delayed payments Monthly Review Meetings at State, District & Mandal
levels. Server to Server transmission of epayorders &
disbursement data.
STRENGHS
Lack of faith in Financial Inclusion as profitable business Absence of FI-EBT Vertical: No full time officers Technology not inter-operable:
Bank tied to TSP-BC Customer tied to Bank-BC-CSP Change of Bank-TSP leads to reenrolment
Enrolment by Multiple Agencies No unique database Never-ending enrolments Carding delays
Absence of Market Research Services not rolled out & inadequate Business Models CSP paid poorly.
Bottlenecks & Constraints
Never-ending enrolment Banks not appointing exclusive officers Delays in Payments: 35% beyond 14 days. Cash Management: district to GP Power-cuts during daytime Areas with poor or no GPRS Connectivity
CHALLENGES
National Authority for Enrolment and Storage
of Unique Biometric Data – link with Aadhaar Deduplication of biometric data available Online authentication Service as a Public Utility. Solar powered Micro ATMs in all villages
connected through GPRS Inter-operable technology platform for Financial
Inclusion Multiple Agencies- Choice to Customer Multiple services & less Cash regime
WAY FORWARD FOR EBT
Banks to focus:
Develop business models Cash Management at local bank branches
Post office in CBS with 150,000 offices National Law for regulation of EBT
Punishments for delays – holding of cash Protection against profiling of customer/citizen
Way forward
THANK YOUTHANK YOU
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