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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.

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Welcome ms usha thorat dy governor rbi l.jpg

WELCOMEMs. Usha ThoratDy. Governor, RBI


Department of Rural Development


Outline of presentation l.jpg

  • Pilot - Key process

  • Pilot - Coverage

  • Scaling up strategy

  • Status of scaling up

  • Time-line

  • Issues

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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.

  • RBI Steering Committee & Department of RD for facilitation and coordination support .

  • Infrastructure cost shared by the Government & the Banks.

  • GOAP pays 2% service charges .

  • GP level disbursement.

  • CSP is the Village Organisation.

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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.


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Key- processes

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.


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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.

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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.

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Key- processes

5. Disbursementes

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.

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6. Data uploading

CSP / BC uploads data of disbursements daily.

MIS report an progress of disbursement is submitted to Government.

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Comparison - before and after pilot

Saving of Rs.11.38 lakhs per annum after commencement of disbursement through Smart Card

  • Un disbursed pensions – breakup

  • Never turned up for enrollment - 474

  • (most likely bogus cases)

  • Enrolled but did not turn up - 810

  • (may or may not come back).

  • Total - 1284

Expected savings of Rs.18.93 cr. per year if up scaled for entire state

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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.

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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

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Role of Banks

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

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Scaling up- current status

  • 13 banks came forward – SBI, SBH, Deccan Grameena Bank, APGVB, Union Bank of India, Indian Bank, Canara Bank, Corporation Bank, Central Bank of India, Bank of India, Punjab Natl Bank, Bank of Maharashtra & United Bank of India.

  • Out of 13 banks, 5 banks finalised BCs & TPs.

  • Only 5305 villages out of a total of 9069 villages covered.

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Time line for implementation

  • Training of public representatives

    & officials: - by 12th Jan.08

  • Starting Enrolment: - From 16.01.2008

  • Issue of smart cards: - “ 07-02-2008

  • Identification of CSPs: - “ 16.01.2008

  • Training of CSPs: - “ 26.01.2008

  • Payment through cards: - “ 01.04.2008

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  • EGS payments did not start in pilot.

  • 13 banks have come forward to take up the project.

    • Other banks not showing inclination,

    • 3764 villages in the 6 phase I districts are still not tied up to banks.

    • Allotment of villages to interested banks to be expedited by RBI .

  • 8 banks yet to finalise TPs and BCs and issue appointment letters.

  • Adherence to standards.

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Thank you

www.rd.ap.gov.in www.ssp.ap.gov.in