1. 0 Chandigarh

2. 1 Agro and Food processing 49 Public, Private, Foreign and Cooperative banks in Chandigarh Total Banks 415 Branches of 49 banks have opened zero balance accounts under PMJDY Total Branches 2.28 lakh accounts have been opened under PMJDY Savings accounts before PMJDY were18.53 Lakh Total 21 Lakh savings accounts in Chandigarh for a population of 11 Lakh Total Accounts Opened 49778 persons enrolled under Pradhan Mantri Jeevan Jyoti Bima Yojana 127389 persons enrolled under Pradhan Mantri Suraksha Bima Yojana 2800 persons enrolled under Atal Pension Yojna Insurance Coverage PMJDY target on one account per household completed within 7 months of launch Time Span Pradhan Mantri Jan Dan Yojna in Chandigarh

3. 2 Awareness of Accidental Insurance Cover Agro and Food processing 1,27,389 persons enrolled for Pradhan Mantri Suraksha Bima Yojana Conducted 2 Town Hall meetings one for Mudra Yojana and the other for Atal PensionYojana attended. These were attended by 2000 Citizens Total 8 Camps in 31 wards of Chandigarh with enrolment of 3000+. Total five claims submitted out of which three have been settled

4. 3 RuPay Card Activation Agro and Food processing Total of 1,02,725 RuPay cards activated out of 1,82,414 issued 53 camps were organized for activation and distribution of RuPay Card One road show for financial literacy More camps planned in the near future

5. 4 Glimpses of the participation at the publicity camps

6. 5 Bank mitra Agro and Food processing 25 active Bank Mitras in Chandigarh SBI and PNB have appointed Bank Mitras 40,615 transactions worth Rs 30.28 Cr. in last three months by Bank Mitras 16 Micro ATMs are used by Bank Mitras for deposit and withdrawal to and from all Banks

7. 6 Reduction of Zero Balance Account Agro and Food processing More than 2 lakh zero balance accounts have been opened in PMJDY More than 1,60,000 account holders have deposited money in accounts Total Rs 59 crore has been deposited in PMJDY accounts Banks motivate account holder to deposit through camps, letters & phone calls

8. 7 Efforts in implementing for BPL Families Agro and Food processing BPL family Data was taken from Food and Civil Supplies Department Anganwadi workers were involved for sensitization of BPL families Bank employees visited all BPL families homes to open Account BPL Families account where linked to DBT for Subsidy Transfer of PDS

9. 8 Road show and launch of PMJDY in Chandigarh

10. 9 Key Innovations Agro and Food processing Door to door survey by Aaganwari workers to identify left out beneficiaries Special Enrollment camps for simultaneous creation of accounts and Aadhaar enrollments Leveraging Sampark Centres (CSCs) to get access to beneficiaries Mass targeted awareness generation through Radio FM, print media, pamphlets, councilors, road shows, Involvement of social community leaders like the village Sarpanch

11. 10 Aadhaar seeding efforts Agro and Food processing 1,99,196 accounts seeded with Aadhaar out of 2,22,853 accounts opened AEPS is used for giving scholarships to students directly to their accounts Adahaar enabled Bio-Metric payment system to disburse Social Security Pensions Aadhaar based DBTL for Public Distribution System and LPG subsidy

12. 11 Suggestions for improvement Agro and Food processing Reduction in duplication of PMJDY accounts Data sharing of PMJDY account holders by different Banks by linking Aadhaar Waiving of sms alert charges for PMJDY account holders Single card for all benefits under various schemes

13. 12 Steps being taken for enhancing enrolment under PMJDY Agro and Food processing Special counters for enrolment under social security schemes to be set up in various public dealing offices like DC’s Office SDM’s Office, Estate Office, etc. Asha and Aanganwadi Workers to be enrolled Outsourcing Agencies be asked to compulsorily enroll their manpower under PMJDY Involving Labour Department for enrolment under PMJDY for the unorganized sector Awareness programmes Destitute women and widows be enrolled

14. 13 For instance… Agro and Food processing A month ago, a woman died within 15 days of the death of her husband. Husband was beneficiary under Social Security Scheme. The legal heirs were the mother and daughter of the deceased couple and were not aware about insurance. This came to the fore at the time of settlement of accounts by the Bank. The Bank authorities processed the claim which will be paid to the legal heirs in a week’s time. Maid servant working at the residence of one of the bankers gifted with a policy under Suraksksha Bandhan Yojana. This provision can encourage middle class and upper middle class persons to help the persons who work for them.

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16. 15 Providing Digital Identity (DI) to Aadhar card holders is the backbone of the concept, where DI will act as an intermediary to build a transaction eco-system. Contact-free solutions will open the door to a host of new services. Digital Identity will be provided in the form of RFID/ NFC enabled devices that will be able to provide a ‘Smart-age’ experience. Immediate identity information and verification at Government and healthcare centers. Closed-loop wallets will ensure that cash remains within the system leading to a transparent and robust economy. Immediate payments are possible with closed-loop Wallets - a touchless solution. Providing a digital identity

17. 16 Free Bank Account & ATM through Pradhan Mantri Jan Dhan Yojana  BPL App for BPL Schemes & Benefits  DBT for Public Distribution System  DBT for LPG Subsidy  NREGA & Other Schemes  Critical Disability, Senior Citizen, Widows Pension, Destitute Women  Maternal Health & Child Welfare including Immunization, Baby Food & subsidised Sanitary  Identification for Disaster Relief – Flood, Drought  Microfinance – Lending & Bank support for other Monetary Scheme benefits through Mobile Banks  Health Insurance for Critical Care Illness & Major Diseases Coverage – Rs. 500-700 premium for Rs. 50k to Rs. 100k  Accidental Death & Disability Cover of upto 2 lakhs through Pradhan Mantri Suraksha Bima Yojana  Life Insurance upto Rs. 2 lakhs through Pradhan Mantri Jeevan Jyoti Bima Yojana  Pradhan Mantri Jan Dhan Yojana scheme provides life cover of Rs. 100K and Rs. 30K for in-built accident cover  Atal Pension Yojana Pension Fund of Rs. 1k to Rs. 5k Introduction of a single card for multiple applications & Government schemes Multiple Application Card

18. 17 Forgeries Easy duplication of Paper/ Plastic Cards Less effort, simple technology to duplicate IDs Falsification Take an existing legally issued card and change the data on it – Im- personification Very easy to change Important Information – Photo, Name, etc Illegal Issue Convince the Government to issue a legal ID for a scheme to someone they did not want to Steal a blank ID and issue it fraudulently Security threat perception Identity theft rising by 50% every year Further issue of legal documents based on existing legal ID All terrorists use false IDs Track membership and usage against various State and Central Government Schemes  Having one card to act as ID for multiple schemes  Real time Identification – Touch & Go  Aadhaar based Biometrics Authentication  Stopping people claiming benefits to which they are not entitled & ensuring the right people get benefits  Reducing the time spent in identification & repudiation of the Aadhaar ID  Carrying important identification information with you in case of an crisis/accident/entry points to railway & bus stations  Keeping track of schemes & their transactions Why a single access card?

19. 18 Inculcate Banking habits in the common man Quick access to Government schemes Utility services to most deserving families belonging to  BPL,  Identified SC/ST  Old Age Pensioners  Handicapped  Destitute women  Children In many schemes it is proven that women are the right lead beneficiaries for successful usage of Scheme. To create an advanced electronic infrastructure backbone

20. 19  Reliable Identity Management – Smart card  Visual & Electronic Secure Identification  Unique Policy Identifier  Policy Holder Name, DOB, Sex, Address  Photograph of Policy Holder  Bio-metric features  Embedded Photograph  Embedded Fingerprint Images  Banking & Common UT Wallet  Scheme Entitlements  Cash Deposits, Withdrawals, Interest Payments  Health Card  Encounter Transaction  Health Insurance Policy Eligibility, Medical Expenses & Limits Information stored in Card

21. 20 File Structure Micro Finance ePurse File Structure Health ePurse OS Run time Environment  Visual & Electronic Secure Identification with Biometrics  Aadhaar Authentication makes Duplication impossible  Verification & authentication of identity  Essential history/data can be viewed offline  Accountability of benefits received  Supports multiple applications  ID for accessing “e-governance” related resources  eMandi, Civil Supplies, Stores, Government owned shops etc  Access control to parking, transit pass Benefits of NFC Smart Card / Tag Common Card Architecture & Benefits

22. 21 Thank You.