A.p.smart card project april 2013
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This document provides an overview of Andhra Pradesh's smart card project for rural development. The objectives are to increase banking access for the poor, ensure timely benefits delivery, and achieve total financial inclusion. Banks set up the infrastructure using service providers and business correspondents. Over 142 lakh beneficiaries have been enrolled across 22 districts, with payments starting in over 19,000 villages. The roles of various stakeholders like banks, government departments, and business correspondents are also outlined.
A.p.smart card project april 2013
- 1. Welcome Presentation on A.P. SMART CARD PROJECT A.V.V. PRASAD Additional Commissioner of Rural Development Government of Andhra Pradesh
- 2. Outline of the presentation Objectives Approach Architecture Key Process Roles and responsibilities Phase – I Phase-II Progress at a glance
- 3. Objectives To increase the outreach of mainstream banking and financial services to the poorest of the poor by using technology based solutions. Ensure efficient and timely transfer of government benefits to the poor. Minimize the possibility of fraudulent payments. To achieve Total Financial Inclusion.
- 4. Approach To create branchless banking infrastructure. To open accounts and issue Smartcards to the poor. To begin with payments of NREGS and SSP. Banks subsequently deliver banking services. To establish a banking outpost in each village.
- 5. Architecture Banks lay down the entire infrastructure. Banks will select Service Providers and Business Correspondent through competitive bidding. Service providers to provide technology. -- Technology includes PoS equipment biometric reader and Printer. Business Correspondent delivers financial services to people. PoS is manned by CSPs (preferably from SHGs)
- 6. Technology (M/s Fino) 11001000… Image Template Code 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
- 7. Technology (M/s A Little World ) Based on new generation Near Field Communications (NFC) mobile phones; contactless RFID smart cards and integrated biometrics. Alternate option of attaching fingerprint scanner + card reader to a PC or PoS. Can also be deployed on PCs - by adding a NFC card reader + fingerprint scanner (both USB peripherals costing about Rs. 6000)
- 8. Key- process 1. Enrolment – Department gives list of beneficiaries – SSP & NREGS – Concerned bank / Financial institution conducts an enrolment camp in the village. – GPs, VOs assist the organization in identification of beneficiaries. – 6/ 10 finger prints, photo and other details of the beneficiary captured. – An account will be opened in the name of beneficiary. Contd..
- 9. Key- process 2. Preparation and issue Smart Card. – Data collected during enrolment is encrypted on the card including biometric. (Encrypted Java smart card with 32 KB memory). – Card is delivered to the beneficiary in the village within three weeks. Contd..
- 10. Key- process 3. Business Correspondent (BC) & Customer Service Provider (CSP) – Bank / FI appoints a business correspondent. – To deliver service at GP level. – BC appoints CSP at the village level. – Training to BC/CSP. – Required hardware like Finger print reader, printer, mobile phone etc., are positioned in the village.
- 11. Key- process 4. Release of funds & Cash delivery – Government issues instructions to the Banks / FI authorizing payment. • List of beneficiaries and authorized amount will be given. – Individual account of beneficiary is credited. – Cash is physically transported and delivered in the village to CSP.
- 12. Key- process 5. Disbursement – CSP sits at pre-designated government premises usually GP building etc. – Beneficiary approaches with card. – Card is inserted in the card reader and identity of beneficiary is established. – Based on the a/c balance of the beneficiary as displayed on the screen, cash is paid. – A receipt is generated in duplicate. – A manual acquittance also maintained. – In case of exigencies, manual payment is made.
- 13. Key-process 6. Data uploading – CSP / BC uploads data of disbursements daily to TSP & Bank Servers. – Disbursement data is shared by Bank to MNREGA Server & SSP Server.
- 14. Roles and responsibilities Role of Rural Development Department – To lay down policy & govern the project. – To allot areas to Banks – Put in place appropriate systems and procedures for transfer of payments. – To conduct Monthly Review Meetings at State level
- 15. Roles and responsibilities Role of Banks – MoU with Government, Technology Service Provider & Business Correspondent. – Appoint, train and supervise BCs. – Open SB account and issue Smart Card to beneficiaries. – Credit pensions / wages to the account of the beneficiaries – Maintaining centralized database. – Provide all required MIS to Govt from time to time.
- 16. Role of District Collector: – Oversee the entire implementation process. – Conduct review meetings with Banks, TSP, BC & MPDOs. – Identify bottlenecks and inform to the State Government. Roles and responsibilities
- 17. Roles and responsibilities Role of DRDAs – Support enrolment of beneficiaries – Provide information about SSP beneficiaries. – Facilitate the VOs/SHGs in Identification of CSPs for BCs. Contd..
- 18. – Provide copies of Pension payment orders by 25th of every month. – Transfer pension amount to the bank a/c – Consolidating MIS reports and forwarding to Head office. – Pay 2% service charges on the value of pension benefits disbursed in the district by the Bank after reconciliation. – Monitoring and periodical review. Contd..
- 19. Roles and responsibilities Role of DWMAs – To provide list of wage seekers for enrollment. – 1% service charges with e-pay order and 1% service charges after reconciliation to the Banks. – Ensuring smooth payment of wages. – Consolidating MIS reports and forwarding to Head office. – Conducting regular review meeting with the MPDOs, Banks & Smart Card agencies.
- 20. Roles and responsibilities Role of MPDOs. – Schedule & organize enrolment process. – Send electronic copy and hard copy of Wage payment orders to the Banks. – Transfer funds to the bank A/c – Supply 2 copies of physical acquittance – Ensure smooth disbursement of SSP and wages. – Conduct Review Meetings at mandal level
- 21. Roles and responsibilities Role of Business Correspondent (BC) – Responsible for money evacuation from Bank to CSP & from CSP to Bank. – To contract, position & supervise CSPs. – Provide training and handholding to CSPs. – Ensure smooth disbursement of pensions and wages. – To reconcile with Bank & Govt.
- 22. Roles and responsibilities Role of Customer Service Provider (CSP) – Operate the terminals & extend services at village level. – To disburse the pensions once a month. – To disburse NREGS wages once in a week. – To pay cash and issue Transaction Print out. – To upload information on a daily basis.
- 23. Phase-I districts With service area approach Sn. District Bank Service Provider 1 Chittoor CORPORATION INTEGRA INDIAN BANK INTEGRA Dept of Post APOnline 2 East Godavari AB ATYATI Corporation FINO ICICI FINO Dept of Post APOnline UBI FINO
- 24. Phase-I districts With service area approach Sl. No. District Bank Service Provider 3 Karimnagar ICICI FINO SBH HCL UBI FINO 4 Mahaboobnagar APGVB ALW ICICI FINO SBH CORAMANDAL Dept of Post APOnline UBI FINO CONTD
- 25. Phase-I districts With service area approach Sl. No. District Bank Service Provider 5 Medak APGVB ALW Corporation FINO ICICI FINO SBH HCL Dept of Post APOnline UBI FINO 6 Warangal AB ALW APGVB ALW AXIS FINO Corporation FINO SBH ALW Dept of Post APOnline UBI ALW CONTD
- 26. Phase – II districts – one bank one district model Sl. No. District Bank Service Provider 01 Visakhapatnam Union Bank of India FINO 02 West Godavari Union Bank of India FINO 03 Prakasam Union Bank of India FINO 04 Srikakulam Andhra Bank ATYATI Dept.of Posts APOnline 05 Guntur Andhra bank ATYATI 06 Khammam APGVB ALW 08 Adilabad State Bank of Hyderabad HCL
- 27. Phase – II districts – one bank one district model Sl. No District Bank Service Provider 09 Krishana Axis Bank FINO 10 Rangareddy Axis Bank FINO 11 Ananthpur Axis Bank FINO 12 Kurnool Axis Bank FINO 13 Nalgonda Department of Posts. APOnline 14 Nizamabad Department of Posts APOnline 15 Vizianagaram Corporation Bank INTEGRA Department of Posts. APOnline 16 YSR Kadapa ICICI FINO 17 Hyderabad ICICI FINO SPS Nellore ICICI TCS CONTD
- 28. Overall progress at a glance No. of districts : 22 No. of GPs where project is under way. : 21861 Target no. of benfs. under SSP & NREGS : 207.26 lakhs No. of benfs, enrolled : 169.82 lakhs No. of cards issued : 142.57 Lakhs
- 29. Overall progress at a glance No. of Districts Enrollment started : 22 SSP NREGA Total No.of GPs Enrollment started 20208 20435 20435 Target (No.of Beneficiaries) 70.96 lakhs 136.30 lakhs 207.26 lakhs No. of beneficiaries enrolled 58.46 Lakhs 111.36 lakhs 169.82 lakhs No. of cards issued 47.46 lakhs 95.10 lakhs 142.57 lakhs GPs Payment started 17739 19823 19823