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Presentation of Nadia,West Bengal

onPRADHAN MANTRI JAN

DHAN YOJANADistrict Magistrate, Nadia (W.B)

PRADHAN MANTRI JAN DHAN YOJANA

FINANCIAL INCLUSIONPOVERTY MONITORING

POVERTY MONITORING

FINANCIAL INCLUSION

POVERTY MONITORING

POVERTY ALLEVIATION

Nadia District

Nadia District : Basic Statistics Population West Bengal: CENSUS 2011

Persons 9,12,76,115Males 4,68,09,027Females 4,44,67,088Population Nadia: CENSUS 2011

7th position in terms of population of State

Persons 51,67,600Males 26,55,056Females 25,12,544Density of Population (Population per square km)

1,316 per square km (rank 6th in the State)

Population Growth Rate 12.2%Percentage of urban share of Population of Nadia

District has expanded from 21.3% (2001 Census) to 27.8% (2011 Census) of Total Population

Males include ‘Males’ and ‘Others

Nadia District : Administrative UnitsSub-divisions 4

Community Development (C.D.) Blocks

17

Statutory Towns 10

Municipalities 11

Notified Areas 2

Panchayet Samities 17

Gram Panchayets (GP) 185

Gram Sansads 2637

Urban Units 65

Rural Units (Villages) 1307

Total Financial Inclusion

Vision

Harmonizing social welfare through an reduction of poverty and its components;

‘Poverty’ being a lowness of incomes measured from a socially given ‘poverty-line income’, traditionally quantified through ‘head-count measure’

Mission Total Financial Inclusion

Organizations Involved

(i) District & Block administration, Gram Panchayats;

(ii) 37 Banks with 381 branches(iii)776 Nos. of Community Service

Providers (Bank Mitras)

Pradhan Mantri Jan-Dhan Yojana (PMJDY)The Pradhan Mantri Jan-Dhan Yojana (PMJDY) is arguably the largest Financial Inclusion

Program in the worldAt least one Account for every Household (Urban & Rural) with RuPay Debit card & Mobile Banking facilityAccident insurance(Rs. 1 lakh) and Life Insurance(Rs.30,000) Use of e-KYC to ease the account opening processUse of Aadhaar Enabled Payment System (AEPS) for interoperability On-line Monitoring through system generated MIS Providing remittances facilityProviding insurance and pension to the excluded sections i.e. weaker sections & low income groupsAccess to need based credit

The shift in approach from village to household• Both Rural and Urban areas instead of only Rural Areas • Push based to Pull based • Mission Mode Project with Rebranding and visibility to the programme • Greater focus on fixed point BCs • Structured Monitoring Mechanism from Central to Distt level

PMJDY is not only a scheme; it has the ability to do something different in Indian economic empowerment history for better India

Pre Initiative ScenarioNumber and Percentage of Households Availing Banking Services1

District - Nadia

Total / Rural / Urban

Total number of households

Total number of households availing

banking servicesTotal 1,231,856 493,811 (40.09%)Rural 879,934 288,975 (32.84%)Urban 351,922 204,836 (58.2%)

Percentage is given in brackets after the number of households Payments of JSY, JSSK, NSAP, NREGA, IAY, stipends in cash Thrift habit of a significant population non-existent Delay and irregularities in transfer of NREGA, IAY etc., payments Considerable population outside banking system & sole reliance on

moneylenders charging usurious rates of interest Priority sector credit extension poor

1Source: District Census Handbook 2011

Challenges faced Non availability of integrated database to track families & bank

accounts with Banks Enormity of household survey Reluctance of Bankers Non-availability of branches in interior areas Lack of coordination amongst the stakeholders Other priorities

What Motivated Us The motivation for alleviation of poverty has primarily always been

an assessment of serious deprivation of certain basic capabilities of the weaker sections of the society and their marginalization from the many growth opportunities.

PMJDY, launched on 28.08.2014, has provided a desirable and suitable mechanism to go beyond the matrix of income deprivation and address the issue of capability deprivation.

STRATEGY3 different resource points to develop synergy

(1) District Administration Planning at District and Block level Planned and structured approach to

address District Level Implementation

Committee

(2) Banking System Involvement of Banks Bank Mitra (Business

Correspondents) & CSPs

(3) Community Participation

Community mobilization Role of village committees

Steps TakenMANAB UNNAYAN SAMIKSHA Survey conducted by District Administration to measure no of

Rural/Urban Households without access to banking:House to House Survey was done by AWCs , CSPs , SHG Members etc;No. of EBs engaged : 7890No. of Enumerators : 2416No. of Supervisors : 529

Resource Planning Meetings with Bankers

No of meetings held since August 2014 :DCC & DLRC – 09 MeetingsStanding Committee - 09 Meeting sDistrict Magistrate’s Meeting with District Co-ordinator of all Banks & Lead District Manager – 17 Meetings

Public Awareness Camps / Efforts Government infrastructure like schools, community centers, panchayat premises, town halls, Block Development Offices, used for awareness programs & enrollment activities; public announcements, brochures, leaflets, posters, wall paintings, hoardings used, bulk SMS sent

Data Sharing Data disseminated to all Banks through Lead District Manager & followed up with individual Bank branches by BDO; Village-wise targets given to Banks

Training & Financial Literacy Workshops conducted at RSETTI for AWCs, CSPs, SHGs, officials of District Administration, Panchayat members & villagers; Financial Literacy Camps conducted at RSETTI

Nadia Awas Diwas On each weekly Tuesday, camps conducted for aggregating and formalizing inclusion process for Indira Awas Yojana, wherein BME was simultaneously done

Rojgar Diwas Each 2nd Tuesday, job seekers for MGNREGA gathered and enrolled along with Bio Metric Enrollment and also utilized for opening PMJDY accounts in Camp mode

Shikhashree 100% beneficiaries of pre/post-matric scholarships for BCDW & minorities, have been paid through Aadhar linked PMJDY accounts

Sustained engagement of the administration in mapping at least one person per household and upgrading the coverage to include the other members of the household for disseminating other social welfare schemes is being continued in most holistic manner, which can be observed from the data of new accounts opened and Aadhaar capturing beyond 2nd Phase

However, the operational & commercial impact of delivery of Aadhaar based safety net programs was a bigger motivation

For enabling DBT & payment of various Central/State welfare schemes through PMJDY account, enrollment of Aadhaar was topmost priority – both activities were monitored with equal thrust

The District Baseline Target for Bio Metric Enumeration (BME) at commencement : 46,98,962Timeline Jan’15 Apr’15 Oct’15 15.02.2016Bio Metric Enumeration Completed 34,32,213 35,50,364 42,43,388 46,15,790

%age completed 73.04% 75.56% 90.30% 98.23%

Why the Aadhaar Agenda: Bringing a higher excluded population to the banking system With increasing visibility of banks progressively reducing dependence on

moneylenders Aadhar designed to be made a single element of identity and authentication for all

government schemes and processes Eliminate fake, duplicate identities in the government’s incentives programme for

BPL families in the district Opportunities expanded – Aadhaar based government/private service access

Early achievement of 100% Bio Metric Enumeration was a big challenge

Post Initiative Scenario & Present Position

Source: SLBC West Bengal Data

PMJDY data for Nadia District

Rural A/cs Urban A/cs Total A/cs Total Amt Zero Bal A/cs

RupayCard A/cs

Aadhar Card A/cs

05.12.2014 42107 21584 63691 133.71 41664 41131 8260

02.09.2015 640145 385380 1025525 19824.83 372585 797795 251338

02.12.2015 719046 424463 1143509 25793.24 335873 857258 284894

17.02.2016 778953 452701 1231654 31366.70 337832 883765 322029

Rural A/cs Urban A/cs Total A/cs Zero Bal A/cs RupayCard A/cs

Aadhar Card A/cs

0

200000

400000

600000

800000

1000000

1200000

1400000

778953

452701

1231654

337832

883765

322029

PMJDY data for West Bengal State vis-à-vis Nadia District (as on 17.02.2016)

Rural A/cs Urban A/cs Total A/cs Total Amt Zero Bal A/cs

RupayCard A/cs

Aadhar Card A/cs

State 12485410 5728780 18214190 423173.10 4316703 13047235 5825588

District 778953 452701 1231654 31366.70 337832 883765 322029

% of State 6.24 7.90 6.76 7.26 7.83 6.77 5.53

•Progress in linking population without banking access observed in both rural & urban centres.•Decrease in zero balance accounts reflects, improving thrift habit•Latest increase in zero balance accounts as per data dated 17.02.2016, on account of new additions•Rupay Cards being used for payment of utilities•Incremental growth in BME – Aadhaar capturing over the program period

PRADHAN MANTRI JAN DHAN YOJANA 02.09.2015 02.12.2015Accounts Opened 1025525 1143509Aadhaar Seeding in %age terms 24.51 24.91Average Balance in the accounts (in Rs.) 1933.14 2255.62Accounts with zero balance in %age terms

36.33 29.37

Number and Percentage of Households Availing Banking Services1

District - Nadia

Total / Rural / Urban Total number of households

Total number of households availing

banking servicesTotal 1,231,856 493,811 (40.09%)Rural 879,934 288,975 (32.84%)Urban 351,922 204,836 (58.2%)

Percentage is given in brackets after the number of households

Bank Mitra Account Opening Report (2 major Banks)*No. of CSPs No. of Accounts Opened (Including

PMJDY)State Bank of

India335 202287

United Bank of India

192 439937* Data as on 31st January 2016•Nadia is riverine district & rivers impose extant physical barriers;•In so far as 8 GPs situated on the other side of Ganga & Jalangi river are without any bridge connectivity, the role of CSPs in covering the GPs have been commendable

The progress under sourced and issued Insurance Policies under the 2 Schemes (up to 31.01.2016) has been as under:

Micro-Insurance (excluding insurance of SHGs)PMJJBY PMSBY

Total No. of Claims Amount Settled Total No. of Claims Amount Settled

7305 06 01 (Rs. 3.30 Lac) 131015 - -

Micro-Insurance (individual members of SHGs)

Block GPTarget Data (Given by WBSCL)

Enrolled Total %No. of Cards distributed

OfflineMale Female Total

Ranaghat-II 14 12865 1369 14234 8326 58.49 8326Ranaghat - I 10 8442 551 8993 6465 71.89 Haringhata 10 28377 621 28998 13948 48.10 Tehatta - II 7 9883 288 10171 6878 67.62 6948Tehatta - I 11 16168 405 16573 9518 57.43 9525Karimpur - II 10 14465 703 15168 10316 68.01 10316Karimpur - I 7 9656 251 9907 1713 17.29 1600Nabadwip 8 7501 1150 8651 5986 69.19 Krishnagar-I 12 19754 1425 21179 12586 59.43 12586Krishnagar-II 7 7914 587 8501 4842 56.96 Hanskhali 13 25960 1885 27845 12355 44.37 Krishnaganj 7 14905 300 15205 9047 59.50 Chapra 13 11748 76 11824 9221 77.99 9218Kaliganj 15 21987 724 22711 14280 62.88 13789Chakdah 17 15807 476 16283 8121 49.87 Santipur 10 9642 932 10574 8186 77.42 8039Nakasipara 15 17358 548 17906 10786 60.24 Total 252432 12291 264723 152574 57.64 80347

Inauguration of Insurance Coverage to SHG member by Secretary, SHG&SE and D.M, Nadia

2011-12 2012-13 2013-14 2014-15 2015-16 upto Feb-16

0

5000

10000

15000

20000

25000

30000

35000

9653 1204612986

2557330524

2011-12 2012-13 2013-14 2014-15 2015-16 upto Feb-16

02000400060008000

100001200014000160001800020000

7609.4 8067.39126.9

16953.917698.5

Financial Year Number of Bank Accounts Opened

2011-12 96532012-13 120462013-14 129862014-15 25573

2015-16 upto Feb-16 30524

Financial YearFinancial

Transaction(Rs. In Lakh)

2011-12 7609.42012-13 8067.32013-14 9126.92014-15 16953.9

2015-16 upto Feb-16 17698.5

Number of Bank Accounts Opened from 2011-12 to 2015-16 upto Feb-16

Financial Transaction (Rs. In Lakh) from 2011-12 to 2015-16 upto Feb-16

Pradhan Mantri Jan Dhan YojanaSubstantial increase in respect of Bank A/C Opening & Financial Transaction under IAYNadia, West Bengal

Status of Bank A/C Opening

Status of Financial Transaction

Pradhan Mantri Jan Dhan YojanaOpening of Bank Accounts in Camp Mode under PMJDY for IAY BeneficiariesNadia, West Bengal

Camp under PMJDY at Krishnaganj Block for IAY Beneficiaries at Nabadwip Block during 2014-15

Camp under PMJDY at Krishnaganj Block for IAY Beneficiaries

at Krishnaganj Block during 2015-16

Camp under PMJDY at Krishnaganj Block for IAY Beneficiaries

at Krishnagar-I Block during 2015-16

•Account access alone does not create financial inclusion, which requires regular use of accounts. •The five largest welfare & poverty alleviation schemes of the country (employment guarantee through MNREGA, the NSAP social safety net, scholarships for the poor, the PDS food security programme and the fertilizer subsidy) is about Rs.2,900 billion ($48.3 billion). •In the future, all these could be routed through the PMJDY accounts, thus driving some form of basic activity, and growing trust in the accounts.In this direction, the focus has been on mapping a single PMJDY account for multiple activities, welfare scheme targeted to a single household/beneficiary

PMJDY Intervention for MGNREGA Wage Seekers

2014-15 2015-16

Active Job card Workers 873166 873166

No. of Bank A/C 532756 776640

Amount Payment through A/C 14525.98 32890.36

No. of Women Beneficiary Active Worker with Account 339139 373716

Cumulative No. of HH provided employment 348051 332546

No. of Active HH 471158 483637

Aadhaar Seeding Status (Active Workers) 0 487046

Aadhaar Seeding % 0 55.78

Special Initiative for Aadhaar enable payment including PMJDY

Special camps were arranged at Block and GP H/Q for collection of Aadhaar

documents, Job Card and bank accounts.

Volunteers engaged for collection of documents for

reach Gram Sansad (Gram Sabha)

The initiative name as Parisheba Saptaha (Public

service week) from 28.01.2016 to 03.02.2016.

After collection of documents issued Aadhaar, Bank

Account and Job Cards, entry into the MGNREGA Site.

Tagging of bank accounts with Aadhaar numbers.

56% payment under Aadhaar seeded bank account.

2014-15 2015-16320000

330000

340000

350000

360000

370000

380000

339139

373716

No. of Women Beneficiary Active Worker with Account

2014-15

2015-16

0 100000 200000 300000 400000 500000

0

487046

Aadhaar Seeding Status (Active Workers)

2014-15 2015-160

5000

10000

15000

20000

25000

30000

35000

14525.98

32890.36

Amount Payment through A/C

2014-15 2015-160

100000

200000

300000

400000

500000

600000

700000

800000

532756776640

No. of Bank A/C

2014-15

2015-16

0 10 20 30 40 50 60

0

55.78

Aadhaar Seeding %

PMJDY intervention for NSAP BeneficiariesKrishnagar, Nadia

PMJDY intervention for NSAP Beneficiaries

National Social Assistance Programme (NSAP) is the Social Pension Schemes namely IGNOAPS, IGNWPS & IGNPPS.

Beneficiaries belonging to BPL families fulfilling the specific criteria get pension on monthly basis by that scheme.

Before launching of PMJDY, most of the beneficiaries get their pension through post office accounts.

They faced many difficulties during withdrawal of their Pension due to infrastructure at Post Offices.

After launching of PMJDY, Nadia District Administration decided to take a special drive to convert all Post Office account into Bank account.

PMJDY intervention for NSAP Beneficiaries

Meeting with Bank officials at District, Sub-Division and Block level organised to direct all bank to co-operate for this matter.

Special Account opening camps organised at Gram Panchayat and Block level. Wide Campaigning arranged to inform beneficiaries to be present at the Camps.

After continuous intervention from district level officials under the leadership of District Magistrate, Nadia; most of the beneficiaries now have bank account on his/her own assuming that all NSAP beneficiaries will have Bank Account under PMJDY within next year.

Thus, Nadia District Administration made the PMJDY scheme a grand success mixing it with the National Social Assistance Scheme.

Report of NSAP during financial year-2014-15

Name of the Scheme Total no. of Beneficiary

No. of women

beneficiary

Percentage of women

beneficiary

Total no. of beneficiary

having account


having Bank account

Total no. of beneficiary having Post

Office account

Percentage of bank account

Total amount disbursed

(In lacs)

IGNOAPS 99152 45961 46.35 91950 60184 31766 65.45 5595.2IGNWPS 30722 30722 100 28884 18212 10672 63.05 2019.44IGNDPS 3291 1009 30.65 3140 2115 1025 63.36 233.87

TOTAL 7848.51

Report of NSAP during financial year-2013-14

Name of the Scheme

Total no. of Beneficiary

No. of women

beneficiary

Percentage of women

beneficiary


having account


having Bank account


Office account


Total amount disbursed (In lacs)


TOTAL 8611.57

Report of NSAP during financial year-2015-16(upto January)

Name of the Scheme

Total no. of Beneficiary

No. of women beneficiary

Percentage of women

beneficiary


having account


having Bank account


Office account


Total amount disbursed

(In lacs)


TOTAL 7551.75

Sl. No.

Schemes/Scholarship 2014-15 2015-16

1 PREMATRIC SCHOLARSHIP

164906 145450

2 PREMATRIC SCHOLARSHIP ONLINE(lX-X)

NIL 19818

TOTAL 164906 1652683 TALENT SUPPORT (Below-

50%)12550 15005

4 POSTMATRIC (above-50%) 10623 164135 Term Loan 481 439 as on date6 SHG Loan 9500 Beneficiary 6605 Beneficiary as

on date

MINORITY AFFAIRS DEPARTMENTScholarship, Loan & other issues of WBMDFC:

Shikyashree under WB SC ST & Backward Classes DepartmentAchievement of financial year 2014-15:1) The Total process from submission of application to preparation of Award List has been done online & payment has been made through NEFT transfer directly to the students account. 2) Total Beneficiaries: 1009943) Total Amount Disbursed :Rs. 6.90 Cr.

Achievement of financial year 2015-16 (up to December, 2015):1) Total Beneficiaries Paid : 1,02,3282) Total Amount Disbursed :Rs. 7.0302 Cr.

Old Age Pension

Sl. No.

Name of the Department

Name of Scheme

Rate of Pension per month (Rs.)

Total No. of Pensioners

Fund received upto the month of March-2015

Disbursed upto the month of December-2015

1 Backward Classes Welfare

OAP to ST

1000 1678 Rs. 1,84,58,000/-

1,49,64,000

YUVASHREE: No. of Un employed registered youth getting monthly assistance @ Rs1500p.m. – 9396

Lok PrasarPrakalpa under WB I & CA Deptt.

Number of Folk Artistes applied for enlistment: 8920

Artistes enlisted:Pensioner – 489Retainer – 3269Total – 3758

Fund received towards pensioner & retainer fees for the year 2015-16 Rs. 1,56,10,750/-Fund disbursed towards pensioner & retainer for the year 2015-16 Rs. 1,42,37,000/-

KISHAN CREDIT CARD (KCC)

Year KCC issued

Total Credit Linkage(Rs. In lakh)

Avg. Credit Linkage (Rs.in

lakh)TOTAL 319974* 171958.92 0.54*N.B. Total nos. of farming families = 3,20,464

Pension Beneficiaries Others Department(2015-2016)

Sl. No

Name of Department

Name of Scheme

Rate of Pension per Month (Rs.)

Total Number of Pensioners

Disbursed upto the month (in Rs)

1 Social Welfare OAP 750 4168 2,95,40,700WP 750 1941 1,37,56,839DP 750 1785 1,26,51,192

2 Agriculture Farmer’s OAP 750 2337 Rs. 87,68,250.00

3 Backward Classes Welfare

ST OAP 1000 1678 1,49,64,000/-

4 Micro, Small &

Medium Enterprises &

Textiles

Artisan Pension 1000 120Nil

(Disbursed Annually Mar’15)

OAP for weavers 1000 542 34,91,000/-

5 Fisheries Fisherman’s OAP 1000 514 38,25,000

6 Information and Culture

Folk Artists Pensioner &

Retainer fees 1000 3709 1,42,37,000

16794 160,84,250.00Most of the beneficiary accounts seeded with

Aadhaar

GATIDHARA:No.of applications

receivedNo.of applications sent No. of cheques received

544 445 179Labour Department

SL.

NONAME OF THE SCHEME FINANCIAL

YEAR

FINANCIAL PROGRESS

Number of benefits provided

Amount received

Amount utilised

1STATE ASSISTED SCHEME OF PROVIDEND FUND FOR UNORGANISED WORKERS

(SASPFUW) 2014-15 869 9,731,359 9,731,3592015-16* 1,504 24,020,628 24,020,628

2WELFARE SCHEMES UNDER

BUILDING & OTHER CONSTRUCTION WORKERS

(RE&CS) ACT, 1996 2014-15 44,116 125,565,686 125,565,686

2015-16* 12,274 45,158,678 45,158,678

3WEST BENGAL TRANSPORT

WORKERS SOCIAL SECURITY SCHEME, 2010

(WBTWSSS) 2014-15 1,199 7,766,063 7,766,0632015-16* 608 4,731,824 4,731,824

TOTAL >>

SVSKP CUMULATIVE REPORT UP TO 25th December,2016 (RURAL+URBAN):

Year Rural+Urban

No of casesTotal

project cost

involved in

sanctioned

cases(Rs. in

Lakhs)

subsidy involve

d in sanctio

ned cases

( Rs in Lakhs)

Subsidy released Disbursement

Sponsored

Sanctioned

No of cases

Amount of

subsidy (Rs.

In Lakhs)

No of cases

Amount ( Rs.

In Lakhs)

1 2 3 4 5 6 7 8 9 102014-2015 Rural 4505 1728 4186.08 1248.7

3 1091 789.05 1049 753.842014-2015 Urban 1215 330 530.33 165.37 230 130.37 200 109.39

Total 5720 2058 4716.41 1414.1 1321 919.42 1249 863.23

2015-2016 Rural 3446 1269 3006.09 604.58 1231 856.94 1037 719.892015-2016 Urban 862 212 399.93 128.54 173 106.57 117 71.73Total 4308 1481 3406.02 733.12 1404 963.5 1154 791.6

Role of Cutting Edge Technology to make Pradhan Mantri Jan Dhan Yojana a success: •The Bio-Metric Ecosystem is unique for each individual and has been captured while Aadhaar enrolment has been done•While the Aadhaar data is available in server within 1-2 months of enumeration, the Card gets physically delivered with significant delay, restricting the Aadhaar linkage of PMJDY account and use of the Aadhaar Card No. for linkage with welfare schemes•Banks may be allowed to obtain the finger-prints of the PMJDY account holders and fetch the same from the server hosting the data and in case of a match, the Aadhaar Card details will get embedded in the account•This shall enable monitoring the targeted welfare credits directed at a single household/beneficiary over a timeline and measure and study the improvement in socio-economic parameters

IMPROVEMENT SUGGESTED

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