E fms 7-4-14

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Electronic Fund Management System (e-FMS) for MGNREGSP&RDD, 7 April 2014

Key Players

PO (BDO)

GP/PIA

BankPost Office

DPC (DM)

+e-FMS: How it works?Fund in the State level e-FMS account/s

No fund in intermediate accounts

All wage-seeker accounts in CB/ RRB or Post Offices

Account information verified with information in Job Cards

Once verified, information is frozen in the system

+e-FMS: How it worksDigital Signature Certificates for Makers and Checkers (Accountant and DDO/HO)

Once measurement is taken, wage slips are generated in the system

Payment is entered in the system by the ‘maker’

Payment is authorised in the system by the ‘checker’

Advice flows to the central server maintained by the MoRD/ NIC, Delhi

+e-FMS: How it worksAdvice picked up by the lead banker

Money debited from the e-FMS account of the State

Money credited into the accounts of the wage seekers

Reports on successful and unsuccessful transactions generated

Follow up measures taken against unsuccessful transactions

+e-FMS pre-requisites State e-

FMS account

DSC

Freezing of

account info

Training

Stable connectivit

y

Closure of all accounts in non-CBS platform is also a pre-requisite

+e-FMS: Where we are?

E-FMS declared status for the entire state w.e.f. 1 April 2014

DSC procurement for all the PIAs nearly complete

One e-FMS account opened with UBI

Nearly Rs. 10 crore transacted through e-FMS (in North 24 Parganas and one FTO in Hooghly)

+e-FMS: Where we are?

Information against 70% of active Bank accounts verified and frozen in the system

Information against 28% of active Post Office accounts are verified and frozen in the system

Stray cases of delay in verificagtion of bank accounts

Major bottleneck in verification of Post Office accounts for want of EMO Code and Sanchay Post Code

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e-FMS through Banks:

-the conceptual

drawing

SFTP server

NREGAsoft -Data entry of musterrolls, material & admn. Exp. Bills -Generation of wage list,material list and admn exp. list

Bank havingNodal agency account

Bank 1Bank 2Bank 3…..

First signatory(panchayat secy/ accountantGenerate FTO and digitally sign

Second signatory(Pradhan/ BDOApprove FTO, digitally sign

Accounts of workers in

Wage List

FTO FTO

Integration of response in NREGASoft

Response

Direct benefit transfer in MGNREGA through e-FMS for Banks

Workers’ accounts

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e-FMS through Post Offices:

-the technical requirements

+ e-FMS: through Post Office•Updation of HO/SO information in MGNREGA central server.

•Updation of bank account in formation of HO in MGNREGA central server.

•Freezing of account information in MGNREGA central server of wage–seekers having accounts in Post office. This will lock / freeze all account information of wage seekers, so that any updation can’t be made during fund transaction.

+ e-FMS: through Post Office

•After execution of work, consolidated pay advise named as FTO (Fund transfer order) encrypted with two digital signature will be generated at MGNREGA server. Then, the FTO will be sent to server of CEPT Mysore and State Nodal Bank (currently, UBI) / Banks

•After successful process, the fund will be credited directly to beneficiaries account

SFTP server

NREGAsoft -Data entry of musterrolls, material & admn. Exp. Bills -Generation of wage list,material list and admn exp. list

CEPT mysore

Bank havingNodal agency account

HO 1 A/C

HO 2 A/C HO 3 A/C…..

First signatory(panchayat secy/ accountantGenerate FTO and digitally sign

Second signatory(Pradhan/ BDOApprove FTO, digitally sign

HO /SO1

HO /SO2 HO /SO3…..

Accounts of workers in

Wage List FTO FTO

Integration of response in NREGASoft

Response Res

ponse

Consolidated FTO

Detailed FTO

Direct benefit transfer in MGNREGA through e-FMS for Post offices

+ e-FMS through Business Correspondence: Some

Basic Requirements

• BC code is a must.

• BC account must have the privilege so that wage seekers can withdraw amount other than from regarding CSP, i.e., can be befrom mother bank’s branches or ATMs

+S.No Districts

No. of NREGA worker with Active Account Information

Total% of Freezing of account

information

BankPost

OfficeTotal

BankPost

OfficeTotalCommerc

ial and RRB's

Cooperative and others

Commercial and RRB's


1 HOOGHLY 487025 75000 89921 651946 91% 3% 1% 69%

2 HOWRAH 56990 4491 30782 92263 75% 5% 63% 68%

3 JALPAIGURI 131210 5240 377632 514082 84% 24% 62% 67%

4 PASCHIM MEDINIPUR 508368 81384 301489 891241 78% 18% 61% 67%

5 24 PARGANAS (NORTH) 214167 1337 101487 316991 85% 0% 15% 62%

6 BURDWAN 504056 79029 579271 1162356 75% 32% 54% 62%

7 PURBA MEDINIPUR 306571 92985 142653 542209 75% 14% 41% 55%

8 MURSHIDABAD 364877 10625 186595 562097 63% 8% 40% 54%

9 DINAJPUR UTTAR 38653 2824 84051 125528 62% 39% 44% 49%

10 DINAJPUR DAKSHIN 41406 7784 68314 117504 59% 8% 46% 48%

11 COOCHBEHAR 128335 865 197819 327019 52% 0% 32% 39%

12 24 PARGANAS SOUTH 199913 4528 133453 337894 55% 5% 6% 35%

13 SILIGURI MP 18652 19 41816 60487 80% 0% 12% 33%

14 BIRBHUM 269311 29917 451337 750565 83% 0% 0% 30%

15 BANKURA 216271 36207 340837 593315 38% 7% 21% 26%

16 MALDAH 111507 7238 160869 279614 29% 15% 10% 18%

17 GTA 14734 14268 92974 121976 57% 26% 1% 11%

18 PURULIA 70195 1974 362599 434768 52% 0% 1% 10%

19 NADIA 145128 24815 353514 523457 25% 0% 0% 7%

Total 3827369 480530 4097413 8405312 70% 14% 28% 46%

+ DistrictsPost Office HO

information received

SO information

receivedTotal Frozen % of Freerzing

HOOGHLY 89921 679 1% 3 81HOWRAH 30782 19489 63% 2 117JALPAIGURI 377632 234035 62% 59PASCHIM MEDINIPUR 301489 184123 61% 2 9724 PARGANAS (NORTH) 101487 15341 15% 1 85BURDWAN 579271 310608 54% 5 145PURBA MEDINIPUR 142653 57995 41% 2 131MURSHIDABAD 186595 74881 40% 1 79DINAJPUR UTTAR 84051 37082 44% DINAJPUR DAKSHIN 68314 31149 46% 37COOCHBEHAR 197819 62348 32% 4924 PARGANAS SOUTH 133453 7727 6% 19SILIGURI MP 41816 5017 12% BIRBHUM 451337 0 0% 20BANKURA 340837 72162 21% 1 73MALDAH 160869 16047 10% 39GTA 92974 778 1% PURULIA 362599 5218 1% 1 46NADIA 353514 0 0% 2 43

4097413 1134679 28% 20 1120

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DistrictTotal FTO Generated

Response from Bank

NO of Transaction Processed

No of Invalid Account

No of transaction Rejected

Total transaction

24 PARGANAS (NORTH)

423 94167 0 0 94167

HOOGHLY 2 9 0 0 9

Total 425 94176 0 0 94176

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Job Card No.

Trans Date

Appl Name

Wagelist No.

Name of Primary

Acc Holder

Account No.

IFSC code

Amt. to be credit

(In Rs.)

Credit Amt. (In Rs.)

Processed Date

UTR No.

WB-15-012-006-012/01

26-09-2013

ARIJUL MANDAL

3215012WL00487

ARIJUL MANDAL

1716108007918

CNRB0001716 1057 1057

27-09-2013

UTBIN13270446027

WB-15-012-006-012/01

26-09-2013

ARIJUL MANDAL

3215012WL00487

ARIJUL MANDAL

1716108007918

CNRB0001716 1056 1056

27-09-2013

UTBIN13270446026

WB-15-012-006-012/02

26-09-2013

MAHATAB ALI

3215012WL00487

MAHATAB ALI

1716108007052

CNRB0001716 1057 1057

27-09-2013

UTBIN13270446021

Individual transaction details

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• One e-FMS Cell with dedicated manpower may be created at the Branch entrusted with managing the e-FMS account

- The IT Cell of the Bank may be actively involved in management of the process, especially at the initial stage

- Appropriate test environment may be developed at the Bank for testing the FTO fetching process

- Bank server has to be synchronized with the NIC server maintained at the Ministry of Rural Development, Government of India

Requirement from the Banks for transactions through e-FMS

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• Bank should have the system of decryption of encrypted FTOs containing multiple (2) Digital Signatures

- Against every individual transaction, Bank has to ensure immediate crediting of money to individual accounts. As a standard all-India practice, FTOs generated before 12 noon are paid on the same day whereas FTOs generated after 12 noon are paid on the very next day. This practice has to be followed, if not improved upon


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• After every transaction, the Bank has to send response to the NIC Server wherefrom reports against every transaction, whether successful or failed, will be generated. This is vital as this report itself will be the basis of writing cash books by the Gram Panchayats and other PIAs

- A consolidated report will also be required at the state level from the concerned e-FMS banker on a fortnightly basis

- The Bank will also have to directly interact with the NIC, Delhi (in the MoRD) on different technical issues

- A MoU has to be signed between the Bank and the State Government to streamline the processed


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• HO Code, EMO Code, Sanchay Post Code

- Bank Account Details of the Head Post Offices

- Specific plan for cash management till the level of the Branch Post Offices

Requirement from the Postal Authority for transactions through e-FMS

+Information Regarding HO & SO:

We have received HO & SO details from Postal Department 3 phases during Dec’13 and April’14

No information yet received for Uttar Dinajpur, SMP & GTA

Complete information except above three districts may also needs to provided.

+Digital Signature Certificate

S noNAME OF THE

DISTRICT PROVIDERTOTAL DSC RECEIVED

1 JALPAIGURI (n) Code Solutions 3092 SILIGURI -do- 563 DARJLING -do- 224 COOCHBEHAR -do- 2735 PURULIA -do- 2596 PASCHIM MEDINIPUR -do- 3957 PURBI MEDNIPUR -do- 1898 DAKSHIN DINAJPUR NIC 1329 MURSHIDABAD -do- 208

10 NORTH 24PRGNS -do- 200 2043

+Functioning as Banker for the e-FMS account In immediate future, the entire transactions in MGNREGS, including wage, materials and administrative expenses will be directly from the State e-FMS account. We have already opened one e-FMS account of the State Employment Guarantee Fund (SEGF) with the United Bank of India at their Old Court House Street Branch. Fund Transfer Orders generated mostly by North 24 Parganas district and some FTOs generated by Hooghly district have so far been routed through the e-FMS account with UBI. Till date the volume of transactions through the e-FMS route is around Rs. 8.31 crore (total FTOs generated for Rs.10.98 crore). Since, with all the districts graduating into e-FMS we will have huge transactions, we propose induct the State Bank of India into the fold and distribute the load between the SBI and the UBI for better management of the system.

+West Bengal

Total Frozen % of FreezingCommerci

al and RRB's






3827369 480530 2674610 67263 70% 14%

Total no. of Banks: 81

Post OfficeHO


SO information receivedTotal Frozen % of

Freerzing

4097413 1134679 28% 20 1120

+Hooghly

Total Frozen

% of Freezing of account information







487025 75000 445417 2568 91% 3%


Post OfficeHO


SO information

receivedTotal Frozen% of

Freerzing

89921 679 1% 3 81

+Howrah

Total Frozen % of FreezingCommerc

ial and RRB's






56990 4491 42889 203 75% 5%


Post OfficeHO


SO information


Freerzing

30782 19489 63% 2 117

+Jalpaiguri


al and RRB's






131210 5240 110089 1245 84% 24%


Post OfficeHO



Freerzing

377632 234035 62% 59

+Paschim Medinipur


al and RRB's






508368 81384 397079 14804 78% 18%


Post OfficeHO



Freerzing

301489 184123 61% 2 97

+North 24 Parganas


al and RRB's






214167 1337 182612 0 85% 0%


Post OfficeHO



Freerzing

101487 15341 15% 1 85

+Burdwan


al and RRB's






504056 79029 379374 24988 75% 32%


Post OfficeHO



Freerzing

579271 310608 54% 5 145

+Purba Medinipur


al and RRB's






306571 92985 229274 13377 75% 14%


Post Office

HO information

receivedSO information


Freerzing

142653 57995 41% 2 131

+Murshidabad


al and RRB's






364877 10625 229706 804 63% 8%


Post OfficeHO


SO information receivedTotal Frozen % of Freerzing

186595 74881 40% 1 79

+Dinajpur Uttar


al and RRB's






38653 2824 23898 1106 62% 39%


Post OfficeHO



Freerzing

84051 37082 44%

+Dinajpur Dakshin


al and RRB's






41406 7784 24476 609 59% 8%


Post OfficeHO



Freerzing

68314 31149 46% 37

+Cooch Behar


al and RRB's






128335 865 66355 0 52% 0%


Post OfficeHO



Freerzing

197819 62348 32% 49

+South 24 parganas


al and RRB's






199913 4528 110083 241 55% 5%


Post OfficeHO


SO information receivedTotal Frozen % of Freerzing

133453 7727 6% 19

+Siliguri MP


al and RRB's






18652 19 14926 0 80% 0%


Post OfficeHO



Freerzing

41816 5017 12%

+Birbhum


al and RRB's






269311 29917 222929 2 83% 0%


Post OfficeHO



Freerzing

451337 0 0% 20

+Bankura


al and RRB's






216271 36207 81854 2533 38% 7%


Post OfficeHO



Freerzing

340837 72162 21% 1 73

+Maldah


al and RRB's






111507 7238 32058 1075 29% 15%


Post OfficeHO



Freerzing

160869 16047 10% 39

+GTA


al and RRB's






14734 14268 8394 3708 57% 26%


Post OfficeHO



Freerzing

92974 778 1%

+Purulia


al and RRB's






70195 1974 36713 0 52% 0%


Post OfficeHO



Freerzing

362599 5218 1% 1 46

+Nadia


al and RRB's






145128 24815 36484 0 25% 0%


Post OfficeHO



Freerzing

353514 0 0% 2 43

Date post:	08-May-2015
Category:	Education
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E fms 7-4-14

Education