22nd January, 2008

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A.P. SMART CARD PROJECT

A.P. SMART CARD PROJECT

22nd January. 2008

Department of Rural Development Government of Andhra Pradeshovernment of Andhra Pradesh

Welcome to the Rajasthan Team

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A.P. SMART CARD PROJECT

OUTLINE OF PRESENTATION

Pilot - Features

Key- processes

Roles

Pilot - Coverage

Scaling up strategy

Status of scaling up

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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.

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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..

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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..

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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.

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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.

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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.

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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.

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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

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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

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A.P. SMART CARD PROJECT

Pilot coverage

Warangal Karimnagar Total

Villages covered 150 52 202

Beneficiaries covered

24,517 29,553 54,070

Payments made ( Rs. In lakhs)

258.06 127.58

385.64

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A.P. SMART CARD PROJECT

Technology (M/s Fino)

11001000…

Image

TemplateCode

Receipt Generation Slot

Receipt Generation Slot

Slot to capture thumb print

Slot to capture thumb print

Slot to insert Operator / Customer card

Slot to insert Operator / Customer card

Arrow Key for starting the device

Arrow Key for starting the device

F buttonF button

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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)

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A.P. SMART CARD PROJECT

Beneficiaries with smartcard

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A.P. SMART CARD PROJECT

Biometric verification

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A.P. SMART CARD PROJECT

Issuing of receipt

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A.P. SMART CARD PROJECT

Disbursement through smartcard

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A.P. SMART CARD PROJECT

Warangal - SSP Coverage

Mandal Bankpensioners

Enrollcards

issued

Disb, through card

Manually

disb.

Total disb.

No.

Amount disb. lakhs

Paying

since

Dharmasagar SBI 5917 5753 5161 4873 37 4910 57.30May

’07

Raghunathapally

Axis 3782 3686 3367 3068 47 3115 36.08May

’07

Hanumakonda

UBI 4200 4072 3650 3397 92 3489 38.83May

’07

Station Ghanapur

APG

VB7023 6653 6258 5613 86 5699 53.01

June

;07

Gheeskonda AB 3978 3901 3704 3437 14 3451 33.50June

,07

Raiparthy SBH 4565 4491 3996 3636 29 3665 38.90June

‘07

Total 29465 28556 26136 24024 305 24329 257.62

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A.P. SMART CARD PROJECT

Warangal - NREGS coverage

Mandal BankTotal

beneficiaries

Enrollcards

issued

Disb, through card

Total disb.

No.

Amount

disb. Lakhs

Dharmasagar SBI 9234 6866 4077 125 125 0.29

Raghunathapally Axis 10446 8989 1792 17 17 0.04

Hanumakonda UBI 3030 2884 2553 46 46 0.11

Station Ghanapur APGVB 12121 10251 2948 0 0 0

Gheeskonda AB 5662 5492 333 0 0 0

Raiparthy SBH 6173 4072 1771 0 0 0

TotalTotal 4666646666 3856538565 1347413474 188188 188188 0.440.44

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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.

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A.P. SMART CARD PROJECT

Covered in 2 mandals ( Thimmapur and Sirsilla)

SchemeTotal Benf.

EnrolledCard

Issued

Total No. of benf.

Disbursed

Amount Disbursed

(Rs. In lakhs)

SSP 5617 3459 3366 5428 40.76

NREGS 25897 7457 6972 24125 86.82

Total 31514 10916 10338 29553 127.58

Karimnagar

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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.

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A.P. SMART CARD PROJECT

Thank youhttp://www.rd.ap.gov.in

http://www.ssp.ap.gov.in

http://nrega.ap.gov.in