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Disbursements Through Post Offices

Disbursements Through Post Offices. Postal Network. Departmental Employees 2,09,047 Gramin Dak Sevaks 2,57,856 Area per PO 21.23 sq Km Population per PO 7184. Disbursement of Benefits.

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Disbursements Through Post Offices

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  1. Disbursements Through Post Offices

  2. Postal Network Departmental Employees 2,09,047 Gramin Dak Sevaks 2,57,856 Area per PO 21.23 sq Km Population per PO 7184

  3. 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)

  4. Wage Disbursement START N Rolling Fund Receipt of Wage List and Cheque at HO/ SO Y N Cheque Cleared Receipt of Wage List at HO Y Y SO/ BO Authorised to make Payment and Cash Arranged Fund Available Wage paid at BO N STOP

  5. 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

  6. 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.

  7. 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. 8 RFPs for IT Induction

  9. Rural ICT Solution Rural ICT Solution Overview Handheld Computers Net Book Devices Biometric Scanner Smartcard / Mag Stripe Reader and Writer Thermal Printer 2D Imager Digital Camera Solar Panel

  10. Process for NREGA Payments 1. State Government sends electronic file with beneficiary details State Government Central Application/ SDP 5. Updated file is sent back to State Government 2. Information is pushed by the SDP to respective BO devices 4. Information on disbursements is sent back to the server 3. Disbursements are carried out at various BOs Beneficiaries …..

  11. 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

  12. Rural ICT Project Timeline Program Management of Roll out Vendor Selection Develop Application Roll Out Pilot Roll Out Phase I Roll Out Phase II Vendor Selection Supply MCDs Pilot Supply of MCDs Phase I Supply of MCDs Phase II • 3 months • 4,000 BOs • 5 months • 45,000 BOs Current Stage • 9 months • 81,000 BOs

  13. 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

  14. Thanks

  15. Solution Empowers Rural India • Last mile tracking • Streamline mail booking process by printing and scanning bar codes • Online retail outlet to rural communities • Utility bill Payments (water, electricity,) • Phone top ups, rail ticket bookings • Banking services for “un-banked” rural population • Availability of multiple channels for ease of transaction Mail Operations Retail Applications Postal Banking Rural ICT Enablement Paying Social Security Schemes Rural Life Insurance • Focal point of delivery of all Social Security schemes of the State • Reduction in fraud and errors through biometric authentication • Expedited distribution of insurance policies to 100 million rural customers • Personalized Smart cards for policy holders to enable paperless transactions Money Order Transfer • Electronic and Secure mode of money transfer into rural India • Confirmation of successful transfers through SMS

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