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Presentation of Nadia,
West Bengal
on
PRADHAN MANTRI JAN DHAN YOJANA
District Magistrate, Nadia (W.B)
PRADHAN MANTRI JAN DHAN YOJANA
POVERTY MONITORING
POVERTY
FINANCIAL
MONITORING
INCLUSION
Nadia District
Nadia District : Basic
Statistics
Population West Bengal: CENSUS 2011
Persons
Males
Females
Population
CENSUS 2011
9,12,76,115
4,68,09,027
4,44,67,088
Nadia: 7th position in terms of
population of State
Persons
Males
Females
Density of Population
(Population per square
km)
51,67,600
26,55,056
25,12,544
1,316 per square km
(rank 6th in the State)
Population Growth Rate 12.2%
Percentage of urban share of Population of Nadia
District has expanded from 21.3% (2001 Census) to
27.8% (2011 Census) of Total Population
Males include ‘Males’ and ‘Others
Nadia District : Administrative Units
Sub-divisions
4
Community
Development
Blocks
Statutory Towns
17
(C.D.)
10
Municipalities
11
Notified Areas
2
Panchayet Samities
17
Gram Panchayets (GP)
185
Gram Sansads
2637
Urban Units
Rural Units (Villages)
65
1307
Total Financial Inclusion

Vision
Mission

Harmonizing social welfare through
an reduction of poverty and its
components;
‘Poverty’ being a lowness of incomes
measured from a socially given
‘poverty-line income’, traditionally
quantified
through
‘head-count
measure’
Total Financial Inclusion
(i) District & Block administration,
Gram Panchayats;
Organizations
(ii) 37 Banks with 381 branches
Involved
(iii)776 Nos. of Community Service
Providers (Bank Mitras)
Pradhan Mantri Jan-Dhan Yojana
(PMJDY)
The Pradhan
Mantri Jan-Dhan Yojana (PMJDY) is arguably the largest Financial Inclusion
Program in the world
At least one Account for every Household (Urban & Rural) with RuPay Debit card & Mobile
Banking facility
Accident insurance(Rs. 1 lakh) and Life Insurance(Rs.30,000)
Use of e-KYC to ease the account opening process
Use of Aadhaar Enabled Payment System (AEPS) for interoperability
On-line Monitoring through system generated MIS
Providing remittances facility
Providing insurance and pension to the excluded sections i.e. weaker sections & low income
groups
Access to need based credit
The shift in approach
 from village to household
• Both Rural and Urban areas instead of only Rural Areas
• Push based to Pull based
• Mission Mode Project with Rebranding and visibility to the programme
• Greater focus on fixed point BCs
• Structured Monitoring Mechanism from Central to Distt level
PMJDY is not only a scheme; it has the ability to do something different in
Indian economic empowerment history for better India
Pre Initiative Scenario
Number and Percentage of Households Availing Banking Services1
Total / Rural /
Total number of
Total number of
Urban
households
households availing
District
banking services
Nadia
Total
1,231,856
493,811 (40.09%)
Rural
879,934
288,975 (32.84%)
Urban
351,922
204,836 (58.2%)
Percentage is given in brackets after the number of households




Payments of JSY, JSSK, NSAP, NREGA, IAY, stipends in cash
Thrift habit of a significant population non-existent
Delay and irregularities in transfer of NREGA, IAY etc., payments
Considerable population outside banking system & sole reliance on
moneylenders charging usurious rates of interest
 Priority sector credit extension poor
1Source:
District Census Handbook 2011
Challenges faced
 Non availability of integrated database to track families & bank
accounts with Banks
 Enormity of household survey
 Reluctance of Bankers
 Non-availability of branches in interior areas
 Lack of coordination amongst the stakeholders
 Other priorities
What Motivated Us
 The motivation for alleviation of poverty has primarily always been
an assessment of serious deprivation of certain basic capabilities of
the weaker sections of the society and their marginalization from
the many growth opportunities.
 PMJDY, launched on 28.08.2014, has provided a desirable and
suitable mechanism to go beyond the matrix of income deprivation
and address the issue of capability deprivation.
STRATEGY
3 different resource points to develop synergy
(1) District Administration
(2) Banking System
 Planning at District and Block level
 Involvement of Banks
 Planned and structured approach to  Bank
Mitra
address
Correspondents) & CSPs
 District
Level
Implementation
Committee
(3) Community Participation
 Community mobilization
 Role of village committees
(Business
Steps Taken
MANAB UNNAYAN SAMIKSHA
Resource Planning Meetings
with Bankers
Survey conducted by District Administration to measure no of
Rural/Urban Households without access to banking:
House to House Survey was done by AWCs , CSPs , SHG Members etc;
No. of EBs engaged : 7890
No. of Enumerators : 2416
No. of Supervisors : 529
No of meetings held since August 2014 :
DCC & DLRC – 09 Meetings
Standing Committee - 09 Meeting s
District Magistrate’s Meeting with District Co-ordinator of all Banks
& Lead District Manager – 17 Meetings
Public Awareness Camps / Efforts
Government infrastructure like schools, community centers, panchayat premises,
town halls, Block Development Offices, used for awareness programs & enrollment
activities; public announcements, brochures, leaflets, posters, wall paintings,
hoardings used, bulk SMS sent
Data Sharing
Data disseminated to all Banks through Lead District Manager & followed up with
individual Bank branches by BDO; Village-wise targets given to Banks
Training & Financial Literacy
Workshops conducted at RSETTI for AWCs, CSPs, SHGs, officials of District
Administration, Panchayat members & villagers; Financial Literacy Camps
conducted at RSETTI
On each weekly Tuesday, camps conducted for aggregating and formalizing
inclusion process for Indira Awas Yojana, wherein BME was simultaneously done
Nadia Awas Diwas
Rojgar Diwas
Shikhashree
Each 2nd Tuesday, job seekers for MGNREGA gathered and enrolled
along with Bio Metric Enrollment and also utilized for opening PMJDY
accounts in Camp mode
100% beneficiaries of pre/post-matric scholarships for BCDW &
minorities, have been paid through Aadhar linked PMJDY accounts
Sustained engagement of the administration in mapping at least one person per household and upgrading the coverage to include the
other members of the household for disseminating other social welfare schemes is being continued in most holistic manner, which can be
observed from the data of new accounts opened and Aadhaar capturing beyond 2nd Phase
Early achievement of 100% Bio Metric Enumeration was a big challenge
 However, the operational & commercial impact of delivery of Aadhaar based safety
net programs was a bigger motivation
 For enabling DBT & payment of various Central/State welfare schemes through
PMJDY account, enrollment of Aadhaar was topmost priority – both activities were
monitored with equal thrust
The District Baseline Target for Bio Metric Enumeration (BME) at commencement : 46,98,962
Timeline
Bio Metric Enumeration
Completed
%age completed
Jan’15
Apr’15
Oct’15
15.02.2016
34,32,213
35,50,364
42,43,388
46,15,790
73.04%
75.56%
90.30%
98.23%
Why the Aadhaar Agenda:
 Bringing a higher excluded population to the banking system
 With increasing visibility of banks progressively reducing dependence on
moneylenders
 Aadhar designed to be made a single element of identity and authentication for all
government schemes and processes
 Eliminate fake, duplicate identities in the government’s incentives programme for
BPL families in the district
 Opportunities expanded – Aadhaar based government/private service access
Post Initiative Scenario & Present Position
05.12.2014
PMJDY data for Nadia District
Zero
Bal RupayCard Aadhar
Rural A/cs Urban A/cs Total A/cs Total Amt
A/cs
A/cs
Card A/cs
42107
21584
63691
133.71
41664
41131
8260
02.09.2015
640145
385380
1025525
19824.83
372585
797795
251338
02.12.2015
719046
424463
1143509
25793.24
335873
857258
284894
17.02.2016
778953
452701
1231654
31366.70
337832
883765
322029
Source: SLBC West Bengal Data
1400000
1231654
1200000
1000000
800000
883765
778953
600000
452701
337832
400000
322029
200000
0
Rural A/cs
Urban A/cs
Total A/cs
Zero Bal A/cs
RupayCard
A/cs
Aadhar Card
A/cs
PMJDY data for West Bengal State vis-à-vis Nadia District (as on 17.02.2016)
12485410
5728780
Zero
Bal RupayCard Aadhar
A/cs
A/cs
Card A/cs
18214190 423173.10 4316703
13047235
5825588
778953
452701
1231654
31366.70
337832
883765
322029
6.24
7.90
6.76
7.26
7.83
6.77
5.53
Rural A/cs Urban A/cs Total A/cs Total Amt
State
District
% of State
•Progress in linking population without banking access observed in both rural & urban centres.
•Decrease in zero balance accounts reflects, improving thrift habit
•Latest increase in zero balance accounts as per data dated 17.02.2016, on account of new additions
•Rupay Cards being used for payment of utilities
•Incremental growth in BME – Aadhaar capturing over the program period
PRADHAN MANTRI JAN DHAN YOJANA
02.09.2015
Accounts Opened
1025525
Aadhaar Seeding in %age terms
24.51
Average Balance in the accounts (in Rs.)
1933.14
Accounts with zero balance in %age 36.33
terms
02.12.2015
1143509
24.91
2255.62
29.37
Number and Percentage of Households Availing Banking Services1
Total / Rural / Urban
Total number of
Total number of
households
households availing
banking services
District - Nadia
Total
1,231,856
493,811 (40.09%)
Rural
879,934
288,975 (32.84%)
Urban
351,922
204,836 (58.2%)
Percentage is given in brackets after the number of households
Bank Mitra Account Opening Report (2 major Banks)*
No. of CSPs
No. of Accounts Opened (Including PMJDY)
State Bank of India
335
202287
United Bank of India
192
439937
* Data as on 31st January 2016
•Nadia is riverine district & rivers impose extant physical barriers;
•In so far as 8 GPs situated on the other side of Ganga & Jalangi river are without any
bridge connectivity, the role of CSPs in covering the GPs have been commendable
The progress under sourced and issued Insurance Policies under the 2
Schemes
Micro-Insurance (excluding insurance of SHGs)
(up
to 31.01.2016) has been as under
:
PMJJBY
PMSBY
Total
7305
No. of Claims
06
Amount Settled
01 (Rs. 3.30 Lac)
Total
131015
No. of Claims
-
Amount Settled
-
Micro-Insurance (individual members of SHGs)
Target Data (Given by WBSCL)
Block
Ranaghat-II
Ranaghat - I
Haringhata
Tehatta - II
Tehatta - I
Karimpur - II
Karimpur - I
Nabadwip
Krishnagar-I
Krishnagar-II
Hanskhali
Krishnaganj
Chapra
Kaliganj
Chakdah
Santipur
Nakasipara
Total
GP
14
10
10
7
11
10
7
8
12
7
13
7
13
15
17
10
15
Male
Female
Total
12865
8442
28377
9883
16168
14465
9656
7501
19754
7914
25960
14905
11748
21987
15807
9642
17358
252432
1369
551
621
288
405
703
251
1150
1425
587
1885
300
76
724
476
932
548
12291
14234
8993
28998
10171
16573
15168
9907
8651
21179
8501
27845
15205
11824
22711
16283
10574
17906
264723
Enrolled
Total %
8326
6465
13948
6878
9518
10316
1713
5986
12586
4842
12355
9047
9221
14280
8121
8186
10786
152574
58.49
71.89
48.10
67.62
57.43
68.01
17.29
69.19
59.43
56.96
44.37
59.50
77.99
62.88
49.87
77.42
60.24
57.64
No. of Cards
distributed
Offline
8326
6948
9525
10316
1600
12586
9218
13789
8039
80347
Inauguration of Insurance Coverage to SHG member by Secretary, SHG&SE and D.M, Nadia
Pradhan Mantri Jan Dhan Yojana
Substantial increase in respect of Bank A/C Opening & Financial Transaction under IAY
Nadia, West Bengal
Number of Bank Accounts Opened from 2011-12 to 2015-16 upto Feb-16
Status of Bank A/C Opening
35000
30000
Financial Year
2011-12
2012-13
2013-14
2014-15
2015-16 upto Feb-16
Number of Bank
Accounts Opened
9653
12046
12986
25573
30524
30524
25000
25573
20000
15000
10000
5000
9653
12046
12986
0
2011-12
2012-13
2013-14
2014-15
2015-16 upto
Feb-16
Financial Transaction (Rs. In Lakh) from 2011-12 to 2015-16 upto Feb-16
Status of Financial Transaction
Financial Year
2011-12
2012-13
2013-14
2014-15
2015-16 upto Feb-16
Financial Transaction
(Rs. In Lakh)
7609.4
8067.3
9126.9
16953.9
17698.5
20000
18000
16000
14000
12000
10000
8000
6000
4000
2000
0
16953.9
7609.4
2011-12
8067.3
2012-13
17698.5
9126.9
2013-14
2014-15
2015-16 upto
Feb-16
Pradhan Mantri Jan Dhan Yojana
Opening of Bank Accounts in Camp Mode under PMJDY for IAY Beneficiaries
Nadia, West Bengal
Camp under PMJDY at Krishnaganj Block for IAY Beneficiaries
at Nabadwip Block during 2014-15
Camp under PMJDY at Krishnaganj Block for IAY
Beneficiaries
at Krishnaganj Block during 2015-16
Camp under PMJDY at Krishnaganj Block for IAY
Beneficiaries
at Krishnagar-I Block during 2015-16
•Account access alone does not create financial inclusion, which requires regular
use of accounts.
•The five largest welfare & poverty alleviation schemes of the country
(employment guarantee through MNREGA, the NSAP social safety net,
scholarships for the poor, the PDS food security programme and the fertilizer
subsidy) is about Rs.2,900 billion ($48.3 billion).
•In the future, all these could be routed through the PMJDY accounts, thus
driving some form of basic activity, and growing trust in the accounts.
In this direction, the focus has been on mapping a single PMJDY
account for multiple activities, welfare scheme targeted to a single
household/beneficiary
PMJDY Intervention for MGNREGA Wage Seekers
2014-15
2015-16
 Active Job card Workers
873166
873166
 No. of Bank A/C
532756
776640
14525.98
32890.36
339139
373716
348051
332546
471158
483637
 Aadhaar Seeding Status (Active
Workers)
0
487046
 Aadhaar Seeding %
0
55.78
 Amount Payment through A/C
 No. of Women Beneficiary Active
Worker with Account
 Cumulative No. of HH provided
employment
 No. of Active HH
Special Initiative for Aadhaar enable payment including PMJDY
 Special camps were arranged at Block and GP H/Q for collection of Aadhaar
documents, Job Card and bank accounts.
 Volunteers engaged for collection of documents for
reach Gram Sansad (Gram Sabha)
 The initiative name as Parisheba Saptaha (Public
service week) from 28.01.2016 to 03.02.2016.
 After collection of documents issued Aadhaar, Bank
Account and Job Cards, entry into the MGNREGA Site.
 Tagging of bank accounts with Aadhaar numbers.
 56% payment under Aadhaar seeded bank account.
Amount Payment through A/C
No. of Bank A/C
800000
35000
700000
30000
600000
25000
500000
776640
400000
32890.36
15000
532756
300000
20000
10000
200000
14525.98
5000
100000
0
0
2014-15
2014-15
2015-16
2015-16
Aadhaar Seeding Status (Active
Workers)
No. of Women Beneficiary Active
Worker with Account
380000
370000
487046
2015-16
360000
373716
350000
340000
330000
0
2014-15
339139
320000
2014-15
2015-16
0
100000
200000
300000
400000
500000
Aadhaar Seeding %
55.78
2015-16
0
2014-15
0
10
20
30
40
50
60
PMJDY intervention for NSAP
Beneficiaries
Krishnagar, Nadia
PMJDY intervention for NSAP Beneficiaries
 National Social Assistance Programme (NSAP) is the Social Pension
Schemes namely IGNOAPS, IGNWPS & IGNPPS.
 Beneficiaries belonging to BPL families fulfilling the specific criteria get
pension on monthly basis by that scheme.
 Before launching of PMJDY, most of the beneficiaries get their pension
through post office accounts.
 They faced many difficulties during withdrawal of their Pension due to
infrastructure at Post Offices.
 After launching of PMJDY, Nadia District Administration decided to take a
special drive to convert all Post Office account into Bank account.
PMJDY intervention for NSAP Beneficiaries
 Meeting with Bank officials at District, Sub-Division and Block level organised
to direct all bank to co-operate for this matter.
 Special Account opening camps organised at Gram Panchayat and Block level.
Wide Campaigning arranged to inform beneficiaries to be present at the
Camps.
 After continuous intervention from district level officials under the leadership of
District Magistrate, Nadia; most of the beneficiaries now have bank account on
his/her own assuming that all NSAP beneficiaries will have Bank Account under
PMJDY within next year.
 Thus, Nadia District Administration made the PMJDY scheme a grand success
mixing it with the National Social Assistance Scheme.
Report of NSAP during financial year-2013-14
Name of the
Scheme
Total no. of
Beneficiary
No. of
women
beneficiary
IGNOAPS
IGNWPS
IGNDPS
73103
24180
1891
37024
24180
597
Total no. of
Total no. of
Percentage
Total no. of
Total amount
beneficiary
beneficiary Percentage of
of women
beneficiary
disbursed
having Bank
having Post bank account
beneficiary having account
(In lacs)
account
Office account
50.64
100
31.57
70056
23907
1828
TOTAL
19715
2748
367
50341
21159
1461
28.14
11.49
20.08
5991.85
2436.22
183.5
8611.57
Report of NSAP during financial year-2014-15
Total no. of Total no. of
Total no. of
No. of
Percentage
Total amount
Total no. of
beneficiary beneficiary
beneficiary Percentage of
Name of the Scheme
women
of women
disbursed
Beneficiary
having
having Bank having Post bank account
beneficiary beneficiary
(In lacs)
account
account
Office account
IGNOAPS
IGNWPS
IGNDPS
99152
30722
3291
45961
30722
1009
46.35
91950
100
28884
30.65
3140
TOTAL
60184
18212
2115
31766
10672
1025
65.45
63.05
63.36
5595.2
2019.44
233.87
7848.51
Report of NSAP during financial year-2015-16(upto January)
Name of the
Scheme
Total no. of
Beneficiary
No. of women
beneficiary
Percentage of
women
beneficiary
IGNOAPS
IGNWPS
IGNDPS
93590
29438
3611
45498
29438
3469
48.61
100
27.1
TOTAL
Total no. of
beneficiary
having
account
90216
28756
3469
Total no. of Total no. of
beneficiary beneficiary Percentage of
having Bank having Post bank account
account Office account
64645
25571
71.66
20289
8469
70.56
2613
856
75.32
Total amount
disbursed
(In lacs)
5466.52
1873.72
211.51
7551.75
MINORITY AFFAIRS DEPARTMENT
Scholarship, Loan & other issues of WBMDFC:
Sl.
No.
1
2
3
4
5
6
Schemes/Scholarship
2014-15
2015-16
PREMATRIC SCHOLARSHIP
PREMATRIC SCHOLARSHIP
ONLINE(lX-X)
TOTAL
TALENT SUPPORT (Below-50%)
POSTMATRIC (above-50%)
164906
NIL
145450
19818
164906
12550
10623
481
9500 Beneficiary
165268
15005
16413
439 as on date
6605 Beneficiary as on
date
Term Loan
SHG Loan
Shikyashree under WB SC ST & Backward Classes Department
Achievement of financial year 2014-15:
1) The Total process from submission of application to preparation of Award List has been done
online & payment has been made through NEFT transfer directly to the students account.
2) Total Beneficiaries: 100994
3) Total Amount Disbursed :Rs. 6.90 Cr.
Achievement of financial year 2015-16 (up to December, 2015):
1) Total Beneficiaries Paid : 1,02,328
2) Total Amount Disbursed :Rs. 7.0302 Cr.
Old Age Pension
Sl.
No.
Name of the
Department
1
Backward Classes
Welfare
Name
Rate of
of
Pension
Scheme per
month
(Rs.)
OAP to
1000
ST
Total No.
Fund received
Disbursed upto
of
upto the month the month of
Pensioners of March-2015 December-2015
1678
Rs. 1,84,58,000/- 1,49,64,000
YUVASHREE:
No. of Un employed registered youth getting monthly assistance @ Rs1500p.m. – 9396
Lok PrasarPrakalpa under WB I & CA Deptt.
Number of Folk Artistes applied for
enlistment:
8920
Artistes enlisted:
Pensioner – 489
Retainer – 3269
Total – 3758
Fund received towards pensioner & retainer
fees for the year 2015-16
Fund disbursed towards pensioner & retainer
for the year 2015-16
Rs. 1,56,10,750/Rs. 1,42,37,000/-
KISHAN CREDIT CARD (KCC)
Year
KCC issued
Total Credit Linkage
(Rs. In lakh)
Avg. Credit Linkage
(Rs.in lakh)
TOTAL
319974*
171958.92
0.54
*N.B. Total nos. of farming families = 3,20,464
Pension Beneficiaries Others Department(2015-2016)
Sl. No
Name of
Department
Name of Scheme
Rate of Pension
per Month (Rs.)
Total Number of
Pensioners
Disbursed upto the month
(in Rs)
OAP
750
4168
2,95,40,700
1
Social Welfare
WP
DP
750
750
1941
1785
1,37,56,839
1,26,51,192
2
Agriculture
Farmer’s OAP
750
2337
Rs. 87,68,250.00
1000
1678
1,49,64,000/-
1000
120
Nil
(Disbursed Annually Mar’15)
1000
542
34,91,000/-
3
4
Backward
ST OAP
Classes Welfare
Micro, Small &
Artisan Pension
Medium
Enterprises &
OAP for weavers
Textiles
5
Fisheries
Fisherman’s OAP
1000
514
38,25,000
6
Information and
Culture
Folk Artists
Pensioner &
Retainer fees
1000
3709
1,42,37,000
16794
160,84,250.00
Most of the beneficiary accounts seeded with Aadhaar
GATIDHARA:
No.of applications received
No.of applications sent
No. of cheques received
544
445
179
Labour Department
SL.
NO
NAME OF THE SCHEME
1
STATE ASSISTED SCHEME OF
PROVIDEND FUND FOR
UNORGANISED WORKERS
(SASPFUW)
2
3
WELFARE SCHEMES UNDER
BUILDING & OTHER
CONSTRUCTION WORKERS
(RE&CS) ACT, 1996
WEST BENGAL TRANSPORT
WORKERS SOCIAL SECURITY
SCHEME, 2010 (WBTWSSS)
TOTAL >>
FINANCIAL
YEAR
FINANCIAL PROGRESS
Number of benefits
provided
Amount
received
Amount
utilised
2014-15
2015-16*
869
1,504
9,731,359
24,020,628
9,731,359
24,020,628
2014-15
2015-16*
44,116
12,274
125,565,686
45,158,678
125,565,686
45,158,678
2014-15
2015-16*
1,199
608
7,766,063
4,731,824
7,766,063
4,731,824
No of cases
Amount ( Rs. In
Lakhs)
8
9
10
4186.08 1248.73
1091
789.05
1049
753.84
330
530.33
165.37
230
130.37
200
109.39
5720
2058
4716.41
1414.1
1321
919.42
1249
863.23
Rural
3446
1269
3006.09
604.58
1231
856.94
1037
719.89
Urban
862
212
399.93
128.54
173
106.57
117
71.73
4308
1481
3406.02
733.12
1404
963.5
1154
791.6
Sanctioned
Amount of subsidy
(Rs. In Lakhs)
6
Disbursement
No of cases
subsidy involved in sanctioned
cases
( Rs in Lakhs)
5
Subsidy released
7
Sponsored
1
20142015
20142015
Total
20152016
20152016
Total
Rural+Urban
Year
No of cases
Total project cost involved in
sanctioned cases(Rs. in Lakhs)
SVSKP CUMULATIVE REPORT UP TO 25th December,2016 (RURAL+URBAN):
2
3
4
Rural
4505
1728
Urban
1215
IMPROVEMENT SUGGESTED
Role of Cutting Edge Technology to make Pradhan Mantri Jan Dhan
Yojana a success:
•The Bio-Metric Ecosystem is unique for each individual and has been captured
while Aadhaar enrolment has been done
•While the Aadhaar data is available in server within 1-2 months of enumeration,
the Card gets physically delivered with significant delay, restricting the Aadhaar
linkage of PMJDY account and use of the Aadhaar Card No. for linkage with
welfare schemes
•Banks may be allowed to obtain the finger-prints of the PMJDY account holders
and fetch the same from the server hosting the data and in case of a match, the
Aadhaar Card details will get embedded in the account
•This shall enable monitoring the targeted welfare credits directed at a single
household/beneficiary over a timeline and measure and study the improvement in
socio-economic parameters