Welcome to the Rajasthan Team A.P. SMART CARD PROJECT 22nd January. 2008 Department of Rural Development Government of Andhra Pradesh
OUTLINE OF PRESENTATION Pilot - Features Key- processes Roles Pilot - Coverage Scaling up strategy Status of scaling up
Pilot- important features Pilot in 6 mandals of Warangal district & in 2 mandals of Karimnagar distict. Disbursements thru smart cards for two schemes – SSP & NREGS. Steering Committee with RBI & Department of RD. Infrastructure cost shared by the Government & the Banks. GOAP pays 2% service charges . GP level disbursement. CSP is the Village Organisation.
Key- processes 1. Enrolment 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. Contd..
Key- processes 2. Preparation and issue of 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..
Key- processes 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.
Key- processes 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.
Key- processes 5. Disbursements 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.
Key- processes 6. Data uploading CSP / BC uploads data of disbursements daily. MIS report an progress of disbursement is submitted to Government.
Role of GoAP 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
Role of Banks 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
Technology (M/s Fino) Image Template 11001000… Receipt Generation Slot Slot to capture thumb print Arrow Key for starting the device Code F button Slot to insert Operator / Customer card
Technology (M/s Little World ) Based on new generation Near Field Communications (NFC) mobile phones; contact-less 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)
Pilot districts - Karimnagar. • (2) mandals in Karimnagar district with a private agency M/s Financial Information Network and Operations Ltd., (FINO). • Thimmapur • Sirsilla • Started in 5 GPs on 1st July with pension payment. • Wages under NREGS paid in the entire Thimmapuram mandal on 13th Aug. 2007. • After the pilot, the bank model will be adopted.
Strategy for Scaling up Infrastructure to be provided by banks. Government to bear 2% service charges. To begin with, two schemes, SSP & NREGS disbursements to be taken up. Other services will get added on subsequently. Service area approach. Phase I districts- Warangal, Karimnagar, Medak, Mahaboobnagar, Chittoor & East Godavari.
Thank you http://www.rd.ap.gov.in http://www.ssp.ap.gov.in http://nrega.ap.gov.in