Post 2015 Development Agenda: Challenges and Implications for National Statistical Offices
Disbursements Through Post Offices
description
Transcript of Disbursements Through Post Offices
Disbursements Through
Post Offices
Departmental Employees2,09,047
Gramin Dak Sevaks 2,57,856
Area per PO21.23 sq KmPopulation per PO7184
Postal Network
Disbursement of Benefits• Some disbursements through POSB accounts (MGNREGS ,
IGMSY ) while others either through POSB accounts or MOs (NSAP pensions )
• MGNREGA wage disbursements through POs (Apr 2012- till date)
– 95,931 POs (82,998 BOs, 12,342 SOs and 591 HOs) in 19 Postal Circles involved. Not involved in Delhi, J&K and TN Postal Circles
– Rs 5584 cr disbursed - 53% of total disbursements (through 4.7 cr accounts - 54% of total accounts)
• Pension disbursements (2011-12)– 64 lac accounts (Rs 984 cr disbursed)– 4.4 cr MOs issued (Rs 2850cr disbursed)
Wage Disbursement
Receipt of Wage List at HO
Wage paid at BO
Receipt of Wage List and Cheque at HO/ SO
SO/ BO Authorised to
make Payment and Cash Arranged
N
N
Y
N
Y Y
START
STOP
Rolling Fund
Fund Available
Cheque Cleared
Major Challenges Faced by POs• Lack of security arrangements for conveyance of cash• Rolling fund has not been provided in many districts• Wage lists/pay orders are sent after considerable
time• Delay in clearance of cheques• Non-availability of cash at bank branches• Sudden increase of work at BO• Largely manual operation• Law and order problem in some areas• Unlawful pressure at local level• Absence of POs in some areas
Challenges Addressed by DOP• Line limits made dynamic• Withdrawal limit at BOs increased to Rs. 5,000• Cash balance at BOs increased and made
dynamic• Human resource strengthened for disbursement• State Governments are being regularly
requested for providing security for conveying cash.
Road Ahead• Rural ICT
– will improve efficiency– If the records of state Governments are computerized it
would allow submission of wage bills electronically thus avoiding delay on this count, and synchronization of data between state Governments and post offices.
– Biometric devices will improve transparency of transactions.
– Workload at POs will be better managed– will facilitate better overall monitoring at local as well as
at central levels• Proposal for opening of Pos is being pursued
8 RFPs for IT Induction
8
Rural ICT Solution
9
Dev
ices
Net Book Handheld Computers Thermal PrinterBiometricScanner2D Imager
Smartcard / Mag StripeReader and Writer
Rura
l ICT
Sol
ution
Ove
rvie
w
Future Applications
MGNREGS
Nearest Connected SO/HO
Internet
Central Server Application/ SDP
In case of no
connectivity at
BO
eMOMail
Operations
Postal Banking Solution
Postal Insurance Solution
Third Party Applications
Client Application on Rural ICT Device
Illustrative Rural ICT Devices
Rural ICT Service Delivery Platform = Central Server Application + Client Application
Digital Camera Solar Panel
Process for NREGA Payments
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Future Applications
MGNREGS
Nearest Connected SO/HO
Internet
Central Server Application/ SDP
In case of no
connectivity at
BO
eMOMail
Operations
Postal Banking Solution
Postal Insurance Solution
Third Party Applications
Client Application on Rural ICT Device
Illustrative Rural ICT Devices
Rural ICT Service Delivery Platform = Central Server Application + Client Application
Future Applications
MGNREGS
Nearest Connected SO/HO
Internet
Central Server Application/ SDP
In case of no
connectivity at
BO
eMOMail
Operations
Postal Banking Solution
Postal Insurance Solution
Third Party Applications
Client Application on Rural ICT Device
Illustrative Rural ICT Devices
Rural ICT Service Delivery Platform = Central Server Application + Client Application
Central Application/ SDP State Government
3. Disbursements are carried out at various BOs
2. Information is pushed by the SDP to respective BO devices
…..Beneficiaries
4. Information on disbursements is sent back to the server
1. State Government sends electronic file with beneficiary details
5. Updated file is sent back to State Government
IT ENABLEMENT OF BOs
•Provision for ICT equipment•Central data base•Would address various challenges
•Fingerprint, card reading capability•GPS enabled•Voice guidance system•Solar power
Rural ICT Project Timeline
12
Quarters Quarter 1 Quarter 2 Quarter 3 Quarter 4 Quarter 5 Quarter 6 Quarter 7 Quarter 8
Months 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 18 20 21 22 23 24
Rural ICT
Application
(RSI)
Rural ICT
Hardware
(RH)
Vendor Selection
Roll OutPhase II
Roll OutPhase I
Roll OutPilot
Program Management of Roll out
• 3 months• 4,000 BOs
• 5 months• 45,000 BOs
• 9 months• 81,000 BOs
Vendor
Selection
Develop
Application
Current Stage
Supply of MCDsPhase II
Supply of MCDsPhase I
Supply MCDsPilot
Interim Solution• Patch for electronic transfer of wage bills from
State Govts to POs and its credit in electronic ledgers available
• Necessary MIS can be generated for State Govts • However, it is not being implemented because
electronic transfer of fund from bank accounts of State Govts to Govt accounts is not permitted
Thanks
Solution Empowers Rural India
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Banking services for “un-banked” rural population
Availability of multiple channels for ease of transaction
Expedited distribution of insurance policies to 100 million rural customers
Personalized Smart cards for policy holders to enable paperless transactions
Electronic and Secure mode of money transfer into rural India
Confirmation of successful transfers through SMS
Focal point of delivery of all Social Security schemes of the State
Reduction in fraud and errors through biometric authentication
Online retail outlet to rural communities
Utility bill Payments (water, electricity,)
Phone top ups, rail ticket bookings
Last mile tracking Streamline mail booking process by
printing and scanning bar codes
Mail Operations
Postal Banking
Retail Applications
Money Order Transfer
Rural Life Insurance
Paying Social Security Schemes
Rural ICT
Enablement