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India Post - Leveraging the power of Rural Post Office Network for EBT & DBT
Presentation by S.V.Rao, I.Po.S.
Asst. Postmaster General (FS & BD), O/o Chief Postmaster General, Andhra Pradesh Circle.
SaiRamVenkatesha
| India Post 1
Plan of Presentation
3. MGNREGA - India Post
1.India Post - Network
4. Post Office – EBT Model
2. India Post – Leveraging Rural Post Office Network
5. DBT thro’ Post Offices
6. Positive Outcomes & Appreciation
| India Post 2
Plan of Presentation
3. MGNREGA - India Post
1.India Post - Network
4. Post Office – EBT Model (Andhra Pradesh)
2. India Post – Leveraging Rural Post Office Network
5. DBT thro’ Post Offices – Chittoor Model
6. Implementation Issues & Research Questions
| India Post
3
3
Post Offices
1,55,204
Departmental
Post Offices
25,651
Urban POs
(10.46%)
Rural POs
(89.54%)
Extra
Departmental
Post Offices
1,29,553
2.20 lakh
Departmental
Employees
2.80 lakh
GDS
Employees
On an average, a post office covers an area of 21.2 sq. km and serves 7,174 people.
12,999 computerized and networked Post Offices.
India Post - Network 1
All India
| India Post 4 4
4
4
Post Offices
16142
Departmental
Post Offices
2343
Urban Pos
(8%)
Rural POs
(92%)
Extra
Departmental
Post Offices
13704
16,448
Departmental
Employees
29,127 lakh
GDS
Employees
On an average, a post office covers an area of 29.94 sq. km and serves 4,775 people.
2437 computerized and networked Post Offices.
India Post - Network 1
A.P. Postal Circle (A.P. & Telangana States)
| India Post 5
Plan of Presentation
3. MGNREGA - India Post
1.India Post - Network
4. Post Office – EBT Model (Andhra Pradesh)
2. India Post – Leveraging Rural Post Office Network
5. DBT thro’ Post Offices – Chittoor Model
6. Implementation Issues & Research Questions
| India Post
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• Trust of the local people • Intimate knowledge of people and locality • Basket of financial services for households • Cost effective model – in the larger context • Experience of handling large sums of money
India Post – Leveraging Rural Post Office Network 2
| India Post 7 7
•SHGs, Women & Child Development, Tribal Welfare •Informal Sector Workers SSS
7
Item of work Coverage Volumes ( AP Circle )
Existing PO SB All India • No. of SB Accounts: 31.20 Cr (5.56 Cr) • Available in 1,52,946 POs (16,144) • Balance – Rs.6,03,169 Cr (1,08,570 Cr)
MGNREGS wage Payments
All India (Expect AP) A.P.
• No. of Accounts: 5.8 Cr • Amt disbursed: > Rs.31,628 Cr •> 97,972 POs Accts – 2 Cr : Amt Rs.12,964 Cr : 16,144 POs
Pensions
Kerala, T.N., Karnataka, Rajasthan, H.P. Gujarat A.P.
• >55 lakhs ml SB accounts • Amt paid – Rs.800 – 1000 Crs 53 lakh Accts : Amt Paid - Rs.2092 Cr
Indiramma Housing Scheme
A.P. • No. of SB Accounts: 6.4 lakhs • Amt disbursed: Rs. 960 Cr • 14, 683 POs
Some existing Financial Services of India Post
India Post – Leveraging Rural Post Office Network 2
| India Post 8
Plan of Presentation
3. MGNREGA - India Post
1.India Post - Network
4. Post Office – EBT Model (Andhra Pradesh)
2. India Post – Leveraging Rural Post Office Network
5. DBT thro’ Post Offices – Chittoor Model
6. Implementation Issues & Research Questions
| India Post 9 9
9
MGNREGA – Post Offices Vs Banks (All India)
MGNREGA – India Post 3
YEAR No. of Accounts Opened
Total A/cs Banks Post Office PO %
2009-10 9,37,85,017 4,99,88,267 4,37,96,750 47
2010-11 9,88,26,075 5,51,77,236 4,36,48,839 44
2011-12 8,28,01,249 3,81,16,213 4,46,85,036 54
2012-13 8,26,02,815 3,79,17,015 4,46,85,800 54
2013-14 10,12,51,233 6,19,50,502 3,93,00,731 39
2014-15 (Jan’15) 10,12,50,195 6,19,50,418 3,92,99,777 39
TOTAL 56,05,16,584 30,50,99,651 25,54,16,933 45
YEAR Amount Paid (Rs.in Cr)
Total Amt Paid Thro' Banks Thro' Post Offices PO %
2009-10 22,151 13,225 8926 40
2010-11 20,292 12,350 7942 39
2011-12 17,567 9,200 8366 48
2012-13 10,693 5,149 5543 52
2013-14 23,438 16,573 6865 30
2014-15 (Jan ‘15) 19,303 13,851 5451 28
TOTAL 1,13,447 70,350 43,096 38%
| India Post 10 10
10
MGNREGA – A.P. Circle Experience
MGNREGA – India Post 3
YearNo. of SB Accounts
(No. in Cr)
Amount of wages
disbursed (Rs. in Cr)
2007-08 0.79 428
2008-09 1.01 1276
2009-10 1.18 2633
2010-11 1.30 2917
2011-12 1.37 1330
2012-13 1.41 1320
2013-14 1.94 1277
2014-15 (Dec'14) 2.00 1783
TOTAL 2.00 12964
| India Post 11
Plan of Presentation
3. MGNREGA - India Post
1.India Post - Network
4. Post Office – EBT Model (Andhra Pradesh)
2. India Post – Leveraging Rural Post Office Network
5. DBT thro’ Post Offices
6. Implementation Issues & Research Questions
| India Post 12 12
12
Post Office –EBT Model (A.P.) 4
Factors leading to the initiative…
External
• AP Govt. ICT Model for MGNREGS implementation
led to capacity-building for electronic fund flow &
real time MIS
Internal
• Over 13 million Wage Accounts manually handled!! • To avoid delay in payments • To avoid fraudulent payments • To ensure real time MIS • To address competition from Banks!
| India Post 13
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14
Features of PO EBT Model
Tripartite Agreement between GoAP, DOP and AP Online (Technology Partner)
Online fund flow
Post Office Savings Bank Account
Local SHG women as Postal Franchisee/CSP
in GPs without PO (Now thro’ DoP GDS officials)
Robust Monitoring & Alerts System
Post Office – EBT Model (A.P.) 4
| India Post 15 15 15
15
Post Office –EBT Model 4
Role of Technology Partner (APOnline)
Ensure Development & maintenance of software application
Setting up and maintenance of Data Centre
Deploying Point of Transaction Devices (POTDs)/ Micro ATMs.
Develop and maintain Public Portal Service
Provide Field level technical support
| India Post 16 16
16
EBT/DBT - Coverage..
MGNREGS Wage Payments
Social Security Pensions
Post Office –EBT Model (A.P.) 4
AP State Telangana Total
Gram Pachayats 12934 3852 16786
Districts 13 6 19
Post Offices 9698 2346 12044
No. of Wageseekers 91 Lakh 45 Lakh 1.36 Cr
Amount Disbursed 1850 Cr 1810 Cr 3660 Cr
AP State Telangana Total
Districts 13 6 19
Post Offices 9698 2346 12044
No. of Wageseekers 39 Lakh 15 Lakh 54 Lakh
Amount Disbursed 1448 Cr 644 Cr 2092 Cr
| India Post
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17
1. Generation of Pay Order
at MCC
2. Uploading of generated Pay
Order to NREGS Server
3. Authorisation
of FTO by CRD
4. Confirmation of remittance by the Bank
5. Pushing the Pay Order to AP
Online Server
6. Approval of Pay Order by the
Head Postmaster after receipt of
FTO
7. Crediting wage amounts
to individual SB accounts
8. Downloading Deposit data to the POTDs
9. Supply of Cash
10. Payment of Wages & Upload data
PO-EBT Model Cycle of Wage &
Pension Payments
| India Post
APOnline
Data Centre 6
8
(MCC) MGNREGS
SDC
1
2
Bank
6 SO/BO
7
HO 5
FTO to Bank
3
Muster Roll
2
Fund Transfer
2
SSP
Server
2b 2
Disbursement of MGNREGS Wages and SSPensions (Portability-Disbursement at any BO within the SO)
| India Post 19
Role of Technology Partner – Public Portal (appost.aponline.gov.in)
Post Office –EBT Model (A.P.) 4
| India Post 20
Plan of Presentation
3. MGNREGA - India Post
1.India Post - Network
4. Post Office – EBT Model (Andhra Pradesh)
2. India Post – Leveraging Rural Post Office Network
5. DBT thro’ Post Offices
6. Implementation Issues & Research Questions
| India Post
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DBT Launch in Chittoor on 30.3.2013 by Hon’ble CM of AP & MoRD
| India Post
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22
22
DBT (Aadhar Enabled Payments) Coverage
19 Dists
(AP – 13 : TS – 9)
under DBT (AEPS)
| India Post
AUA - DoP
APOnline
6 BO
GP/ Mandal GoAP
Data Center
1
7
Nodal Bank
6
SO HO
FTO to Bank
4
Muster Roll at Worksite
2
Online Fund Transfer
PO based Aadhaar authenticated benefit payments
GPRS
ASA BSNL
CIDR UIDAI
4
5
6 6
NPCI
3
| India Post
AUA Server
Aadhaar based authentication & payment process
1 Entry of Acct No Sends Acct No
2
UIDAI No, Benf details 3 Show Details
4
5 Finger Print 6 UIDAI No & FP
7
Aadhar No Finger Print
BSNLServer (ASA)
10
Response Code
8
Aadhar Server (CIDR)
9
Aadhar No Finger Print
Response Code Match, Mismatch,
No Aadhar No
Response Code, Balance if match 11
16 Beneficiary POTD
APO
Show Balance if Match 12
13 Withdrawal
Amount
14 Trans details
Trans Confirmation 15
* For SSP, steps 12&13 are not there.
Total balance in the account shall be paid
*
24
| India Post
1. At Mandal Computer Center (MCC)
Worker attendance and work progress reports are entered
on the GoAP NREGA Portal.
MCC generates Pay Orders containing Job Card No.,
UID/EID, PO SB Account No., Amount of wages to be paid
2. GoAP NREGA Database then consolidates all the pay orders
entered at various MCCs.
3. GoAP NREGA Server
Sends electronic file comprising Job Card No., UID/EID, PO
SB Account Number, Amount to be paid to APOnline.
Transfers Funds to the Nodal bank & then to Head PO
4. APOnline transfers this data to Dept of Post i.e. to
HO/SO/BO/GDS
DBT through Post Office - Process-1
| India Post
5. DoP places sufficient cash at SO and subsequently at BO/Postal
Franchisee location
6. Wage seeker (Beneficiary) approaches BO/GDS
Places his finger prints for authentication on UIDAI compliant
PoTD/Micro ATM Device.
Micro ATM Device transmits the Finger Print Data in encrypted format
(as specified by UIDAI)
To Dept of Posts (AUA-Authenticated User Agency) through
APOnline Server
To BSNL (ASA-Authenticated Service Agency) Server to CIDR
(Central Identities Data Repository) for authentication.
On receipt of successful authentication from CIDR(Central
Identities Data Repository)
Data flows back from ASA (BSNL) to AUA (DoP) to Micro ATM.
BO/GDS disburses the amount to wage seeker
7. Real time “Direct Hit” of transaction details to NREGS Server
DBT through Post Office - Process-2
| India Post 27
Plan of Presentation
3. MGNREGA - India Post
1.India Post - Network
4. Post Office – EBT Model (Andhra Pradesh)
2. India Post – Leveraging Rural Post Office Network
5. DBT thro’ Post Offices
6. Positive Outcomes & Appreciation
| India Post
UIDAI -Authentication Transactions (DoP vs. Banks) Success Trend (A.P + Telangana)
Paying Agency
...April-14 May-14 June-14 July-14
Success (in Lakhs of
UIDs) % Success % Success % Success %
Dept. of Posts
19.81 96% 31.76 97% 31.36 97% 35.15 96%
APGVB 0.41 85% 0.03 52% - - - -
AXIS Bank 2.67 87% 3.06 90% 2.88 90% 2.25 88%
ICICI Bank 1.43 83% 1.84 84% 1.82 82% 1.58 82%
Corporation Bank
- - - - - - 1583 82%
Total for Rural Development
24.35 94% 36.7 95% 36.06 95% 39.0 95%
28
** Successful unique UIDs in Lakhs (AP + Telangana)
| India Post
Electronic/Direct Benefit Transfer Program – Positive Outcomes
• GoAP, Rural Development Dept facilitated studies JPAL Study, 2011-12 ▪ Transparency in scheme administration ▪ Eliminated /reduced leakages , delays, bogus/
duplicates, falsification ▪ Ensured timely payment directly to intended
beneficiaries, ▪Reduced transaction costs • CGAP, World Bank Study, 2012-13 ▪ PO leveraging existing institutional set up ▪ PO is Cost effective model ▪ Experience of handling large sums of money ▪ People Resources
| India Post
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DBT Launch in Chittoor, 30.3.2013 by Hon’ble CM of AP & MoRD , MoS
| India Post 32