Rajasthan Public Welfare Benefits Delivery Scheme (Bhamashah) 1
Rajasthan Public Welfare Benefits
Delivery Scheme
(Bhamashah)
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Scheme Brief
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Who was Bhamasha ?
The word Bhamasha has been taken from the remarkable character in the
Indian History who was an intelligent man, a philanthropist, a warrior and
a Jain Shrawak.
He belonged to Oswal Vaishya community. He was advisor to Maharana
Pratap. Bhamasha fought massive wars against Moguls, looted their
treasures, donated all his wealth for Mewar and consistently helped
Maharana Pratap as his advisor.
He was an example of the spirit of love for his motherland.
(1547 - 1600 )
To reform and institutionalize direct benefit delivery
mechanism of government programmes:
• To transfer all cash benefits directly to the bank account of the beneficiaries of the state.
• To provide all non-cash benefits directly into the hands of the beneficiaries of the state using aadhaar enabled biometric authentication.
Help focus government schemes to benefit women and to
financially empower women;
To bring about complete financial inclusion in the State.
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Vision and Objectives
First DBT scheme of the Country. Multiple benefit smart cards. Bank accounts in names of women. Incentive of Rs 1500 for opening of a bank
account. Enrollments done : 45.78 lacs. Bank accounts opened : 29.07 lacs. Amount transferred : Rs 161.49 Crs in 10.76
lac accounts.
Bhamashah envisaged in 2008
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Unique Identification (Aadhaar)
Payment Gateway Enabled (NPCI)
Banks have become Core Banking enabled
All banks are linked – Interoperable
Enabling guidelines from RBI for
• Financial Inclusion
• Electronic Benefit Transfer
Changes since 2008 – At Central Level
IFMS has been made operational
Expansion of e-Mitra/CSC Kiosks – more than 10000 kiosks operational in the State
Government Payments linked with Banks
IT Enablement of Government Schemes
Changes since 2008 – at State Level
Relaunching of scheme was made by budget announcementin the year 2014-15.
Retain the essence of 2008 scheme –• Gender empowerment.• Financial inclusion.• Effective Service delivery - Family based benefits along
with individual benefits. Leverage the positives of U.I.D. and Core Bank Enablement
(Jan Dhan). Use the platform for larger number of schemes – Cash and
Non Cash. Increased geographical coverage.
Bhamashah 2014
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Key Highlights of the Scheme
End to End service delivery platform that includes :
o identity,
o entitlements,
o benefit transfer(unlike GoI, separate D.B.T. Department is not required),
o benefit disbursement
Leverages positives of Bio metric identification, Core banking network and
Integrated Financial Management System of the State.
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Single unique data set for all the residents of the State :
o All the demographic and social parameters included to work out
entitlements.
o Provision of leveraging of this single data set by all the departmental
application softwares/portal
Two level verification mechanism for ensuring quality of data and also to
check inclusion of non-citizens :
o Verification by senior government functionaries and gram/ward
sabhas.
o Accountability of verifiers is being ensured using digital signatures
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Key Highlights of the Scheme
Programme for Financial Inclusion :
o Mandatory bank account linkage with every resident profile (i.e. Cardissued).
o New bank account is opened, if family is not having an existing bankaccount
Points of service at all panchayats in rural areas and wards in urban areasbeing ensured (10,000 Points of Service) :
o For cash and non cash service delivery
Women Empowerment :
o The bank account has to be necessarily in name of lady of the house,and operated only by the women, so that the benefits transferred incash are put to good use of the family.
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Key Highlights of the Scheme
Challenges faced prior to deployment of Project
No single referral repository of all residents in the state
Benefit (cash as well non-cash) transfer to right beneficiary could not be ensured
Leakage in benefit transfer in Welfare schemes
Planning and Roll out of new Welfare Schemes used to take more time
High operational cost involved in benefit transfer of welfare schemes –Rs. 25/- per beneficiary per month for disbursing benefits through money order
Eldest male head of the family. Lady of the house was economically dependent on male members of the house.
No linkage of residents with financial services and no service delivery was available near door step of residents of the State
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Technical Platform
S.No. Particulars Detail
1. Application Software
Application Software in J2EE platform Enrolment, Seeding, DBT etc.
Websphere Application Server IBM PureApp
Linux Operating System
2. Website
ASP .NET
3. Back-end Platform
Oracle 12c database server Oracle Exadata
IBM Filenet document management system
SAS data quality software
4. SMS gateway – MSDG
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Bhamashah
Status
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Progress at a Glance
S.No. Particulars Detail Figures
1. Enrolment Families 95 lacs
Individuals 3.25 crores
2. Verification First Level Verification 67.6 lakhs
Second Verification 64 lakhs
3. Cards printed Bhamashah Cards 51 lakhs
Co-branded Cards 14 lakhs
4. Bhamashah Data Hub Families 62 lakh
Individuals 1 crores
5. Points of Service BC’s / microATM 12000
(Financial Inclusion)
6. DBT Transactions Cash 15 lakhs
Non-cash 1 lakhs.
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• Applications :
– Bhamashah Portal : Operational
– Bhamashah Mobile App : Operational
– Health Insurance : 3i Infotech selected as Technology Partner.
– Co-operative Core Banking & FI gateway solution : T.C.S. selected as Technology Partner
Status Summary
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List of Application Software developed under the project
Camps management System
Training Management System
Budget monitoring System
Card printing and Distribution System
Incident Management System
Online as well as offline Enrolment Software
Quality Control Software
Seeding Software
Entitlement & Transaction monitoring software
Direct Benefit Transfer Software
Software for Non-cash benefit transfer through micro-ATM after biometric authentication
Mobile App
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Integration
Integration with MSDG (for SMS services)
Integration with Mailing Server
Integration with IFMS
Integration with e-Mitra
Integration with Departmental legacy databases viz. Ration card, NREGA. Pension, scholarship etc.
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Coverage of Beneficiaries
S.No.
Particulars Population(in Lacs)
1. Ration Cards and Food Security 168.0
2. NAREGA Job Cards 99.5
3. Rajasthan Social Security Scheme beneficiary (State and
Centre sponsored schemes)
58.5
4. Scholarships 6.55
5. BPL 22.0
Cost Effectiveness
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S.No.
Particulars Detail BudgetAmount
1. Logistics IEC, Camps, Enrollment, Cards etc.
Rs. 360 crores
2. Hardware /Software Rs. 25 crores
3. Application Stack Rs. 15 crores
Estimated Project Cost Rs. 400 crores
S.No.
Particulars Detail Beneficiary Total Cost
1. Unorganized Labour/ NFSA UWIN card2 crores Rs. 40 crores
2. Health Insurance RSBY Card
4. Pensioners Rs. 25/- per pensioner
60 lakhs Rs.180 croresper annum
Expenditure on Schemes :
Future Roadmap
To include all welfare schemes for benefit transfer under bhamashah platform
To consolidate all entitlements to a family across all welfare schemes
Standardization of master database across all departmental databases
Cleaning of departmental databases
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Bhamashah
Resident Data Hub
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Family as a Unit.
Demographic as well as Socio-
Economic profile.
Complete entitlement profiling.
Created after De-duplication,
Verification and Quality Control.
Would be single set of data to be used
by all the departmental applications.
Bhamashah Resident Data Hub
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Aadhaar Identification Data (KYR) –
Includes - Name, Date of birth, Gender, Address, andbiometric imprints.
Proof of Identity.
Proof of Address.
Basic Demographic Data (KYR+) –
Will include - marital status, income, religion, category,occupation, educational qualification
Family Identity
Socio-economic Status
Scheme Specific Data –
Scheme specific parameters
To be maintained by Departments concerned
Database of Ordinary Resident
UID CIDR
KYR and KYR+ data
at State Data Center
Dept. of Food &
Civil SuppliesElection
Department
Rural
Development
Department
Social Justice &
Empowerment
Department
CIDR Verification of
KYR Data
State Resident Data Hub/
Bhamashah Data Hub
Scheme Specific Data
Aadhaar Data(KYR) andBasic Demographic Data under
the bhamasha scheme (KYR+)
State Resident Data Hub
Any change to KYR data needs to be first done at CIDR. SRDH data should be maintained up-to-date with CIDR
so that the services of SRDH are reliable for the State Departments using the data.
Name
Address
Gender
Date of birth1 person1 number
4 demographics + 3 biometrics = 1 unique Aadhaar number
Photo
Both
iris
10 finger-
prints
Aadhaar Identification Data(KYR)
Basic Demographic Data (KYR+)
Basic Demographic Data (KYR+)
The key usage of State resident KYR and KYR+ data is for :
‘Seeding’ of departmental databases with Bhamshah id, Aadhaar number and bank account number
‘Cleaning’ of departmental databases (Format
standardisation, duplicate removal, incorrect information etc.)
Legitimate Resident data accessible to States’ applications
Ability to better manage the fund disbursement and social welfare / financial inclusion schemes
Bhamashah Resident Data Hub
Bhamashah
Card
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Under Bhamashah Scheme provision for three types of cards has been made :
• Family Identity Card• Resident (Individual) Identity Card • E-Card
Family Identity card shall be provided free of cost by the State Government. Individual resident identity card shall be provided on payment basis.
Multi-Purpose Identity Card
Bhamashah Family Sample Card
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Bhamashah Individual Sample Card
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Bhamashah e-Card
Family Card Individual Card34
Co-branded RuPay Card
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Minimum one point of service would be created by Government in each Gram Panchayat. A total of 9900 PoS shall be opened at each panchayats of the State.
Both cash as well as non-cash services would be provided through these point of services. Enrolment of residents (Aadhaar as well as Bhamasha)
G2C & B2C Service (being provided by CSC Kiosks)
Banking Service (to be provided by BC)
Grievance Filing (Rajasthan Sampark Center)
Available facilities would be leveraged for the purpose.
Point of Service
Bhamashah
Process Flow
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Dash Board
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Dash Board
Enrolment• Single Resident Data Hub –
– Demographic Details.
– Entitlements.
• Family Based.
• Through –
– E-Mitra Kiosks.
– Bhamashah Portal.
• 3 Stage Verification.
• Quality Control –
– De-duplication.
– Error Removal.40
Card
Module
B
D
H
QC &
Edit
Verification
Rectification
Dedupe
D
A
T
A
S
U
M
P
Portal
Online
Offline
Error Report Mapper Mgmt Bulk Push
Entry
Updation
Correction
E-Mitra
Camps
QUEUE MANAGER
LOGS MIS MGT
Enrollment
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Beneficiary
Courier
Receipt
&
Despatch
Ack.
Gen.Inventory
GEN
Card
&
E-Card
B.D.H
Error
Report
Q.C.
&
Edit
Card Management
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Online Enrollment
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Head of Family VerificationVerification
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Verification
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Quality Control
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Seeding
• Seeding – Linkage with departmental applications.
• Features –
– Entitlement Number
–Bhamashah Number.
–Aadhar Number.
–Bank Account Number.
–Mobile Number.47
Seeding
Log & MIS
Conflict
Mgr
SEEDING
&
REVERSE
MDM
B.D.H
DEPT.
DATAVerification
Verification
Department
MirrorB
D
H
Dept.
Data
Base
Seeding & Leveraging BDH
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Seeding
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Seeding
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Second Seeding
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Benefit Transfer
• Application for DBT, in case scheme is not IT enabled.
• Bio-metric and OTP based authentication facility.
• Initiation of benefit transfer from departmental application.
• Transactions log transfer to Bhamashah Application –
– S.M.S. to beneficiary.
• Disbursal at Point of Service –
– Log in Bhamashah Transaction Mapper.
– S.M.S. to beneficiary.
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Bhamashah DBT Engine
Management / M.I.S.
Scheme
Creator•Name
•Department
•Eligibility
•Benefit type
Deliverable
Beneficiary
Listing /
List
Porting
Benefit
Transfer
Coupon /
Voucher/
Certificate
generator
B.D.HTransaction
Data
I. F. M. S.Bank
Bank
P.O.S.Non-Cash
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B. D. H.
Entitlement
Mapper
Transaction
Mapper
a. Due
b. Transferred
c. Withdrawn
Synch.
Engine
Department
I. F. M. S.B
A
N
K
B.C.
Direct Benefit Transfer
Non-CashPoS 54
DBT Engine
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1. Bhamashah DBT Engine – For schemes which are not IT
enabled.
2. Rs 2000 grant being transferred using DBT engine.
RajSSP Login Page
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RajSSP Bill Entry
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RajSSP Complete Regular Payment Compute
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NREGS Payment
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NREGS Payment
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JSY Payments
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JSY Payments
B.C. – Cash P.o.S.
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On clicking
RPDS App
Service Delivery: Non Cash
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On clicking
Language
FPS Login Screen Opens
Device and ePDS Device Application in Rajasthan
Service Delivery: Non Cash
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On Clicking
Issue Ration
Select the Bhamashah Card and Enter the Bhamashah No.
Service Delivery: Non Cash
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Family Members are displayed
On Selecting Family Member and
Clicking Next
Biometric Authentication is done
Service Delivery: Non Cash
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On
Confirm
Service Delivery: Non Cash
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On Clicking
Available
Stock
On Clicking Update Stock
Service Delivery: Non Cash
Transaction Mapper
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Transaction Mapper
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Transaction Mapper
Family view showing entitlement of government schemes.
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DBT Transaction MapperTransaction Mapper
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Mobile App
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Thank You
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