1. 22 nd January, 2008 1 A.P. SMART CARD PROJECT 22 nd January. 2008 Department of Rural Development overnment of Andhra Pradesh G overnment of Andhra Pradesh Welcome to the Rajasthan Team

2. 22 nd January, 2008 2 A.P. SMART CARD PROJECT OUTLINE OF PRESENTATION  Pilot - Features  Key- processes  Roles  Pilot - Coverage  Scaling up strategy  Status of scaling up

3. 22 nd January, 2008 3 A.P. SMART CARD PROJECT 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.

4. 22 nd January, 2008 4 A.P. SMART CARD PROJECT 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..

5. 22 nd January, 2008 5 A.P. SMART CARD PROJECT 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..

6. 22 nd January, 2008 6 A.P. SMART CARD PROJECT 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.

7. 22 nd January, 2008 7 A.P. SMART CARD PROJECT 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.

8. 22 nd January, 2008 8 A.P. SMART CARD PROJECT 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.

9. 22 nd January, 2008 9 A.P. SMART CARD PROJECT Key- processes 6. Data uploading  CSP / BC uploads data of disbursements daily.  MIS report an progress of disbursement is submitted to Government.

10. 22 nd January, 2008 10 A.P. SMART CARD PROJECT 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

11. 22 nd January, 2008 11 A.P. SMART CARD PROJECT 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

12. 22 nd January, 2008 12 A.P. SMART CARD PROJECT Pilot coverage WarangalKarimnagarTotal Villages covered 15052202 Beneficiaries covered 24,51729,55354,070 Payments made ( Rs. In lakhs) 258.06 127.58 385.64

13. 22 nd January, 2008 13 A.P. SMART CARD PROJECT Technology (M/s Fino) 11001000… Image Template Code Receipt Generation Slot Slot to capture thumb print Slot to insert Operator / Customer card Arrow Key for starting the device F button

14. 22 nd January, 2008 14 A.P. SMART CARD PROJECT 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)

15. 22 nd January, 2008 15 A.P. SMART CARD PROJECT Beneficiaries with smartcard

16. 22 nd January, 2008 16 A.P. SMART CARD PROJECT Biometric verification

17. 22 nd January, 2008 17 A.P. SMART CARD PROJECT Issuing of receipt

18. 22 nd January, 2008 18 A.P. SMART CARD PROJECT Disbursement through smartcard

19. 22 nd January, 2008 19 A.P. SMART CARD PROJECT Warangal - SSP Coverage MandalBank pensio ners Enroll cards issued Disb, throug h card Manu ally disb. Total disb. No. Amount disb. lakhs Payin g since DharmasagarSBI591757535161487337491057.30 May ’07 Raghunathap ally Axis378236863367306847311536.08 May ’07 Hanumakond a UBI 420040723650339792 348938.83 May ’07 Station Ghanapur APG VB 702366536258561386 569953.01 June ;07 GheeskondaAB 397839013704343714 345133.50 June,07 RaiparthySBH 456544913996363629 366538.90 June ‘07 Total 2946528556261362402430524329257.62

20. 22 nd January, 2008 20 A.P. SMART CARD PROJECT Warangal - NREGS coverage MandalBank Total benefici aries Enroll cards issued Disb, throug h card Total disb. No. Amou nt disb. Lakhs DharmasagarSBI 923468664077125 0.29 RaghunathapallyAxis 104468989179217 0.04 HanumakondaUBI 30302884255346 0.11 Station Ghanapur APGVB 121211025129480 00 GheeskondaAB 566254923330 00 RaiparthySBH 6173407217710 00 Total4666638565134741881880.44

21. 22 nd January, 2008 21 A.P. SMART CARD PROJECT 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.

22. 22 nd January, 2008 22 A.P. SMART CARD PROJECT Covered in 2 mandals ( Thimmapur and Sirsilla) Scheme Total Benf. Enrolled Card Issued Total No. of benf. Disbursed Amount Disbursed (Rs. In lakhs) SSP561734593366542840.76 NREGS25897745769722412586.82 Total31514109161033829553127.58 Karimnagar

23. 22 nd January, 2008 23 A.P. SMART CARD PROJECT 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.

24. 22 nd January, 2008 24 A.P. SMART CARD PROJECT Thank you http://www.rd.ap.gov.in http://www.ssp.ap.gov.in http://nrega.ap.gov.in