WELCOME Ms. Usha Thorat Dy. Governor, RBI. A.P.SMART CARD PROJECT. Department of Rural Development Date:08-01-2008 . OUTLINE OF PRESENTATION. Pilot - Key process Pilot - Coverage Scaling up strategy Status of scaling up Time-line Issues. Pilot- important features.
A.P.SMART CARD PROJECT
Department of Rural Development
Department gives list of beneficiaries – SSP & NREGS.
Concerned bank / Financial institution conducts an enrolment camp in the village.
GPs, VOs assist in identification of beneficiaries.
6/ 10 finger prints, photo and other details of the beneficiary captured.
An account will be opened.
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.
3. Business Correspondent & Customer Service Provider (CSP)
Bank / FI appoints a business correspondent.
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.
BC delivers service( payments) at GP level.
4. Fund flow
Government issues instructions to the Banks / FI authorising payment.
List of beneficiaries and authorised amount will be given.
Individual account of beneficiary is credited.
Cash is delivered in the village to CSP.
BC /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.
6. Data uploading
CSP / BC uploads data of disbursements daily.
MIS report an progress of disbursement is submitted to Government.
Saving of Rs.11.38 lakhs per annum after commencement of disbursement through Smart Card
Expected savings of Rs.18.93 cr. per year if up scaled for entire state
Formation of State and District Implementation Committee for overall coordination & supervision.
Orientation to govt. officials and public representatives.
Issue list of beneficiaries under NREGS & SSP to the banks.
Facilitate awareness campaign in all villages
Facilitate VOs in identification of customer service providers
MoU with Government.
Finalsing TPs and BCs.
Conduct enrolment camps at village level.
Facilitate BC to appoint, train and enter into contract with CSPs.
Open SB account and issue Smart Card to beneficiaries.
Credit pensions / wages to the account of the beneficiaries and disbursement at village level.
Maintaining centralized database and provide MIS
& officials: - by 12th Jan.08