Creating Wealth in Rural India

1. Rural Technology & Business Incubator, IITM Creating Wealth in Rural India

2. Innovative Technologies to connect Rural India All taluka headquarters are connected by fibre Last mile technologies are rapidly emerging Broadband CorDECT WiLL developed at IITM, India provides a telephone line and 256 kbps Internet connection in 25 Km radius Exchange and tower in town Works at 55? C Power requirement: 1 KW start-up costs very low Newer technologies emerging Promising 1/2 Mbps connectivity with OFDM (like 802.16 / WiMax) with HDR and HSDPA corDECT Wireless in Local Loop is one such wireless technology developed in India. It connects villages in 30 Km radius around a town. The Exchange and Base station costs are low and the design is rugged (works at 55 degree Centigrade) and power requirement of these central unit is less than 1 KW. This provides today 35 or 70 kbps dedicated (sustained or unshared) connectivity to each village and will soon be upgraded to provide 100 or 200 kbps dedicated connectivity. The total cost (including deployment) is under $ 200 for each village.corDECT Wireless in Local Loop is one such wireless technology developed in India. It connects villages in 30 Km radius around a town. The Exchange and Base station costs are low and the design is rugged (works at 55 degree Centigrade) and power requirement of these central unit is less than 1 KW. This provides today 35 or 70 kbps dedicated (sustained or unshared) connectivity to each village and will soon be upgraded to provide 100 or 200 kbps dedicated connectivity. The total cost (including deployment) is under $ 200 for each village.

3. Innovative Business Models n-Logue / Drishtee / e-chaupal / CSC:Rural Service Providers aggregate demand into a kiosk owned & driven by a local entrepreneur US$1200 per Kiosk providing telephone, Internet, multimedia PC with web-camera, printer and power back-up for PC plus Indian language software, video conferencing software, training and maintenance and 6 months unlimited Internet set up by a village entrepreneur on the lines of urban PCOs Provides multiple services to break even Needs USD100 pm to break even

4. Rural Services � An Overview

5. Towards enabling Rural Areas�. Education

6. Education Curriculum based Passing SSLC: excellent results Skill based Spoken English Computer Basics CAD, Web development, Photoshop Repair pumps, wire for electricity, carpentry Concept based Science and Business concepts

7. Towards enabling Rural Areas�. Rural BPO

8. Rural BPO Initiative

9. Towards enabling Rural Areas�. Rural Production

10. Rural Production Outsourcing

11. Towards enabling Rural Areas�. Healthcare

12. ReMeDi� Tele-medicine solution Healthcare Delivery Identification of village healthcare delivery centers Linkage with a hospital partner via ReMeDi� telemedicine solution Supply and delivery of essential medicines

13. Towards enabling Rural Areas�. Agriculture

14. Managing Risks for farmers Crop disease: Use of video conferencing to connect farmer to an agricultural Expert Obtaining answers before it is too late

15. Agriculture Agro Processing Agricultural Advisory Services Agricultural Supply Chain Management Focus: Fruits and Vegetables in Theni District of Tamil Nadu Strategy: To link markets, banks, extension partners and suppliers to small farmers

16. Production and Price Risk Coverage Rain-fall insurance Micro-weather Measurement and prediction Collect weather data at each village Temperature, humidity, pressure, wind speed, wind direction and rainfall Weather Monitoring Kit : USD300 Market risk: use of commodity exchanges forward pricing and Options Can one get small farmers to use it?

17. Facilitate Sales and post-harvest support Use of Village Internet kiosk and mobile phones for Obtaining market-prices in different Markets Transaction and deal-closing from villages Scheduling delivery Booking of transport Direct payment through banks and loan repayment

18. Towards enabling Rural Areas�. Financial Services

19. Financing by banks from towns is expensive Is Microfinance the answer Has made great strides, but what is the interest rate? At 24 to 30% interest rate it is good loan for Trading and Short term consumption loans But not for any manufacturing / agriculture? Can kiosks become mini-banks? Internet banking: But how will cash be delivered? Can kiosks carry out credit-rating of rural people? What about Insurance? Can they enable different kinds of insurance? Life Insurance, health insurance, General Insurance, rainfall insurance

20. We could put Internet in every village but for its cost? TeNeT / VorTex develops ATM Finger print detection Internet kiosk based or Stand alone Deliver even soiled notes Single denomination today Can be extended to multiple denomination Electronic Lock operated using finger print detection Cost about USD1500 for kiosk ATM

21. TowardsCredit Rating

22. Rural Business, Transportation, Energy & others Towards enabling Rural India�.

23. Rural Businesses Agriculture, food processing & other small businesses Can they be enabled by ICT kiosks? Does technology play a significant role in supply chain management & co-ordination? Can they be used for market linkages & pricing mechanisms? Can kiosks be used to find jobs?

24. Decentralized Energy Grid based Power Supply Quality and availability Urban Power will take precedence Rural India will only get overflow Each Village require 30 KW to 100 KW Power Generation Solar Biomass Combustion Biogas Bio-diesel Can kiosk be used to enable this?

25. Summary

26. RTBI-SBI Finance Projects

29. Rural Banking- Stake holders

33. NREGS �Stake holders

36. InteliZon Energy Smart Solar Solutions for Developing World Solar LED Lamp: Low Powered Application < 10W Solar Pump: Medium Powered Application <1KW UPS / Solar Power Supply: Medium Powered Application