NSAP DBT jharkhand presentation
- 1. National Social Assistance Program (NSAP) DBT / Best Practices Presented by: Dept. of Labour, Employment & Training, Government of Jharkhand
- 2. NSA P Started on15 August 1995, to provide Social Security to the most deprived. Old Age, Widow, Disabled Status of Aadhaar Enrolment in Jharkhand Enrolment Percentage Total Aadhaar Generated 3.29 Crores 3.14 Cr 95.41 2.67 Cr 81.16 Aadhaar Penetration in NSAP Population Total Population Total Beneficiaries % of Total Population Total Beneficiaries with Aadhaar % Aadhaar Generated % of Beneficiaries with Aadhaar 3.29 crore 10,09,532 3.06 % 6,45,995 64 % Approx 2
- 3. WWoorrkk FFllooww :: MMaannuuaall SSyysstteemm 1. Block wise Sub allotment by district 2. Preparation of Panchayat-wise List of Pensioners 3. Block wise compilation of List 4. BDO to submit bill to treasury Passed Bill deposited in Treasury Branch 1 2 Draft by Treasury branch in favour of BDO 10. Panchayat wise Camp Cash Disbursement Draft deposited in BDOs A/C and Clearance Encashment by G.P. Cheque to G.P. by BDO 5 7 6 9 11 8 10 11 9 Withdrawal Cheque deposited in PO/ Bank Credit in pensioners account Clearan ce 3 4 Fund from State to District
- 4. CHALLENGES WITH THE OLD SYSTEM The order of Honble SC could not get complied in the old system which requires pension to be paid by 7th of every month. Ghost beneficiaries. Lack of Transparency. Lack of new pension sanction. Inefficient & Cumbersome official processes. Delayed Payment. Fake beneficiaries. Dead beneficiaries Large revenue Loss to the Government to the tune of crores. 4
- 5. INITIATION OF THIS PROCESS High Powered Cell at the State Level- Closely Monitored by Sri R. S. Sharma, the then Chief Secretary Task forces at District level Involvement of all Stakeholders - Beneficiaries, District Administration, State officers, Bankers & Public Representatives Decision to take leverage of UID database to implement pension payment and monitoring system. 5
- 6. AADHAAR BASED PAYMENT: NEW SYSTEM Opening of Bank A/c of Beneficiaries. Aadhaar Number of Beneficiaries. NSAP Software Seeding by Bank Aadhaar based payments Verification / De-duplication NPCI Confirmation Collection 6
- 7. Fund from State Advice prepared and DC Bill deposited in treasury from district level Passed Bill deposited in Treasury Branch Amount transferred to Nodal Bank / HPO through RTGS WWoorrkk FFllooww:: NNeeww SSyysstteemm 1 2 3 4
- 8. AADHAAR PAYMENTS BRIDGE SYSTEM HOW DOES IT WORK 8
- 9. Legends: Government Departments / User Agency Banks Central Mapper / NPCI Ensure digitized/electronic database of beneficiaries Seed Aadhaar to clean up databases and act as financial address Generate payment advise file Aadhaar no & amount to be transferred Electronically share file with the Sponsor bank of Department Receive confirmation from Sponsor bank on transfer status / further action All Banks communicate Aadhaar no of all AEBA to Central Mapper Sponsor Bank posts payment advise file to Central Mapper for all OFF-US transactions Sponsor Bank updates Department and takes corrective action, if any Maintain an updated Central Mapper and Aadhaar Payment Bridge (APB) Facilitate transfer/ settlement across banks Update Sponsor Bank of status & failures, if any Resident Open/Link Aadhaar Enabled Bank Account (AEBA) with any bank of choice Use Aadhaar authentication (AEPS) or other channels to withdraw money through Micro ATM One-time activities Recurring activities AADHAAR ENABLED DIRECT BENEFITS TRANSFER 9
- 10. METHODS ADOPTED AT FIELD LEVEL DC DBT CORE TEAM (Assistant Director Social security, Nodal officer UID, DIO NIC, PMRDF) SDO / DLM BDO BDO BDO BDO Field Level Staffs, PRIs ( BPOs, GRS, PS, MUKHIYA) 10
- 11. STRATEGIES ADOPTED DATA COLLECTION & FIELD LEVEL VERIFICATION 11
- 12. AADHAAR SEEDING IN DATABASE:- A District level DBT team formed To Manage Master data To coordinate with blocks for data collection, To coordinate with bank for seeding, mapping & data correction issues. To coordinate with Aadhaar enrollment agencies . To coordinate with State UID cell for conversion of EIDs into UIDs. Weekly review Meetings at Various Levels 12
- 13. STRATEGY: UID ENROLLMENT OF LEFT OUT BENEFICIARIES 13
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- 15. HOW WAS THE DATA CLEANED UP De-duplication was the REAL CHALLENGE! Duplicate data were downloaded block wise & sent to field for Physical Verification. Gram- Sabha was Organised- removal of Ghost / Duplicate beneficiaries The corrected data was again updated online on site by way of deletion of duplicate and Ghost beneficiaries. 15
- 16. CASE STUDIES Case #1 Case #2 Single account Multiple Pensions in diff names. Account no: 472210110002127 Pension ID 250810024711/62 Beneficiary Name: Sandhya Devi Pension ID 270810024825/63 Beneficiary Name: Radha Devi Pension ID 270511034637/8 Beneficiary Name: Radha Devi Single person Three pensions. Account No. 487010110000220 Pension ID JH-S-0560193 Name: Charan Yadav Pension ID JH-S-05603173 Name:Charan Yadav Pension ID JH-S-05603181 Charan Yadav 16
- 17. CASE STUDIES Case #3 Case #4 Multiple Pensions Account No. 487010110000220 Pension ID JH-S-05602974 Beneficiary Name: Girdhari Mandal Pension ID JH-S-05614976 Beneficiary Name: Girdhari Mandal Single Account, Double Pension Account No. 446310510000033 Pension ID 23177 Beneficiary Name: Sushila Devi Pension ID 24452 Beneficiary Name: Aklima Bewa 17
- 18. DATA CLEANING PROCESS: IDENTIFICATION OF GHOST BENEFICIARIES Sl. No. District Name APRIL, 2013 DECEMBER. 2013 Difference 1 Ranchi 77038 56827 20211 2 Khunti 22946 18729 4217 3 Gumla 40905 37295 3610 4 Simdega 27788 24447 3341 5 Lohardaga 12343 10984 1359 6 Saraikella 43337 35632 7705 7 Jamshedpur 49367 47374 1993 8 Chaibasa 40692 39464 1228 9 Ramgarh 19360 19688 -328 10 Dumka 58155 58148 7 11 Pakur 30533 29331 1202 12 Sahibganj 51678 42330 9348 13 Jamtara 32610 26942 5668 14 Palamu 86292 82310 3982 15 Godda 39389 41986 -2597 16 Garhwa 51610 35912 15698 17 Hazaribagh 55431 49914 5517 18 Dhanbad 53083 47982 5101 19 Bokaro 40563 38532 2031 20 Giridih 65664 69675 -4011 21 Koderma 28952 24523 4429 22 Chatra 45323 38524 6799 23 Deoghar 34879 32246 2633 24 Letehar 36932 34795 2137 18 Total 1044870 943590 101280
- 19. DATA VERIFIED & CLEANED 19
- 20. DUPLICATE ACCOUNTS District 2 3 4 5 6 7 8 9 10 > 10 BOKARO 71 1 0 0 0 0 0 0 0 0 CHATRA 1059 41 17 0 1 0 0 0 0 1 DEOGHAR 319 8 0 0 0 0 0 0 0 0 Dhanbad 402 14 0 0 0 0 0 0 0 0 DUMKA 7 0 0 0 0 0 0 0 0 0 GARHWA 1879 77 33 0 2 0 0 0 0 0 GIRIDIH 1150 78 12 2 0 0 0 0 0 GODDA 2014 110 14 2 0 0 0 0 0 GUMLA 2432 513 192 92 53 55 21 9 4 4 Hazaribag 171 2 0 0 0 0 0 0 0 JAMTARA 531 34 2 0 0 0 0 0 0 0 KHUNTI 55 2 0 0 0 0 0 0 0 0 KODERMA 45 0 0 0 0 0 0 0 0 0 LATEHAR 680 14 1 1 0 0 0 0 0 0 LOHARDAGA 148 0 1 1 0 0 0 0 0 0 PAKUR 327 14 3 0 0 0 0 0 0 0 PALAMU 3809 153 23 2 1 2 1 1 1 2 PURBI SINGHBHUM 435 24 2 1 1 0 0 0 0 0 RAMGARH 29 1 0 0 0 0 0 0 0 0 RANCHI 226 12 1 0 1 0 0 0 0 1 SAHEBGANJ 137 2 0 0 0 0 0 0 0 0 SARAIKELA KHARSAWAN 3423 171 85 5 1 0 0 0 1 20 1 SIMDEGA 1221 89 13 4 2 0 0 0 0 0 WEST SINGHBHUM 93 2 3 0 0 0 0 0 0 2 Total 20663 1362 402 110 62 57 22 10 6 11
- 21. SAVINGS Sl. No. Divisions During Data Digitization During Bank A/C verification During Aadhaar Verification Total Total Saving per Year ( In Cr.) 1 Kolhan 10926 10763 8594 30283 21.80 2 North Chotanagpur 23877 6100 2304 32281 23.24 3 Palamu 21817 13993 932 36742 26.45 4 Santhal Paragna 18858 3730 592 23180 16.69 5 South Chotanagpur 32738 12960 1696 47394 34.12 Total 108216 47546 14118 169880 122.31 New Vacancies 21
- 23. STATE DBT NSAP PORTAL 23
- 24. 24 Status of Direct Benefit Transfer (DBT) in NSAP Scheme PENSION SCHEME
- 25. CASE STUDY OF HAZARIBAGH- ABPS PAYMENT Date of data sent for payments 20/09/2014 Date of file process 22/09/2014 Total Records 33470 Rejected Records 323 Success Records 33147 Success Disbursement 2,00,84,400 25
- 26. BENEFITS/OUTCOME Single Source of Truth for Pension Payment System. Cash disbursement at doorstep using biometric card or biometric authentication in hard to reach areas Timely payment Selection of eligible beneficiaries in time. Total financial inclusion achieved and saving tendency increased SMS alerts in certain cases Leakages into the system checked, Cleanup of data created nearly 15%-20% new vacancies. Continued.
- 27. BENEFITS/OUTCOME Total transparency Burden from government officials removed No bill at block level No manual advice verification with every advice not required No manual reporting or off-line database updation Burden from Bankers removed: Paperless, Uploading digital data directly to their server, Cash management became easy Paperless transactions Cost of delivery is lowest Ideal of Least Governance Achieved Successfully Integrated with Aadhaar Enabled Payment System .
- 28. WHAT NEXT? Starting DBT based Payments in non DBT districts Payment SMS alerts to all Beneficiaries. Automated Sanctioning Process. Automation of Allotment Process & Accounting. Migration of State DBT Portal data to NSAP National Portal. Door Step payments at beneficiarys place of residence using biometric devices, micro ATMs, through Cooperative Bank, India Post, BCs ans CSPs.
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