District Magistrate, Nadia (W.B) Presentation of Nadia, West Bengal on PRADHAN MANTRI JAN DHAN YOJANA District Magistrate, Nadia (W.B)

PRADHAN MANTRI JAN DHAN YOJANA FINANCIAL INCLUSION POVERTY MONITORING POVERTY ALLEVIATION POVERTY MONITORING FINANCIAL INCLUSION Nadia District

Nadia District : Basic Statistics Population West Bengal: CENSUS 2011 Persons  9,12,76,115 Males  4,68,09,027 Females  4,44,67,088 Population Nadia: CENSUS 2011 7th position in terms of population of State 51,67,600 26,55,056 25,12,544 Density of Population (Population per square km) 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 (C.D.) Blocks 17 Statutory Towns 10 Municipalities 11 Notified Areas 2 Panchayet Samities Gram Panchayets (GP) 185 Gram Sansads 2637 Urban Units 65 Rural Units (Villages) 1307

Total Financial Inclusion Organizations Involved Vision 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’ Mission Organizations Involved District & Block administration, Gram Panchayats; 37 Banks with 381 branches 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 District - Nadia Total / Rural / Urban Total number of households Total number of households availing banking services 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 What Motivated Us 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   Planning at District and Block level Planned and structured approach to address District Level Implementation Committee (2) Banking System Involvement of Banks Bank Mitra (Business Correspondents) & CSPs (3) Community Participation Community mobilization Role of village committees

Steps Taken MANAB UNNAYAN SAMIKSHA Resource Planning Meetings 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 Resource Planning Meetings with Bankers 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 Nadia Awas Diwas On each weekly Tuesday, camps conducted for aggregating and formalizing inclusion process for Indira Awas Yojana, wherein BME was simultaneously done Rojgar Diwas 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 Shikhashree 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 Jan’15 Apr’15 Oct’15 15.02.2016 Bio Metric Enumeration Completed 34,32,213 35,50,364 42,43,388 46,15,790 %age completed 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

PMJDY data for Nadia District Post Initiative Scenario & Present Position PMJDY data for Nadia District Rural A/cs Urban A/cs Total A/cs Total Amt Zero Bal A/cs RupayCard A/cs Aadhar Card A/cs 05.12.2014 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

PRADHAN MANTRI JAN DHAN YOJANA PMJDY data for West Bengal State vis-à-vis Nadia District (as on 17.02.2016) Rural A/cs Urban A/cs Total A/cs Total Amt Zero Bal A/cs RupayCard A/cs Aadhar Card A/cs State 12485410 5728780 18214190 423173.10 4316703 13047235 5825588 District 778953 452701 1231654 31366.70 337832 883765 322029 % of State 6.24 7.90 6.76 7.26 7.83 6.77 5.53 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 02.12.2015 Accounts Opened 1025525 1143509 Aadhaar Seeding in %age terms 24.51 24.91 Average Balance in the accounts (in Rs.) 1933.14 2255.62 Accounts with zero balance in %age terms 36.33 29.37

Number and Percentage of Households Availing Banking Services1 District - Nadia Total / Rural / Urban Total number of households Total number of households availing banking services 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

(up to 31.01.2016) has been as under: The progress under sourced and issued Insurance Policies under the 2 Schemes (up to 31.01.2016) has been as under: Micro-Insurance (excluding insurance of SHGs) PMJJBY PMSBY Total No. of Claims Amount Settled 7305  06  01 (Rs. 3.30 Lac) 131015 - 

Micro-Insurance (individual members of SHGs) Block GP Target Data (Given by WBSCL) Enrolled Total % No. of Cards distributed Offline Male Female Total Ranaghat-II 14 12865 1369 14234 8326 58.49 Ranaghat - I 10 8442 551 8993 6465 71.89   Haringhata 28377 621 28998 13948 48.10 Tehatta - II 7 9883 288 10171 6878 67.62 6948 Tehatta - I 11 16168 405 16573 9518 57.43 9525 Karimpur - II 14465 703 15168 10316 68.01 Karimpur - I 9656 251 9907 1713 17.29 1600 Nabadwip 8 7501 1150 8651 5986 69.19 Krishnagar-I 12 19754 1425 21179 12586 59.43 Krishnagar-II 7914 587 8501 4842 56.96 Hanskhali 13 25960 1885 27845 12355 44.37 Krishnaganj 14905 300 15205 9047 59.50 Chapra 11748 76 11824 9221 77.99 9218 Kaliganj 15 21987 724 22711 14280 62.88 13789 Chakdah 17 15807 476 16283 8121 49.87 Santipur 9642 932 10574 8186 77.42 8039 Nakasipara 17358 548 17906 10786 60.24 252432 12291 264723 152574 57.64 80347

Inauguration of Insurance Coverage to SHG member by Secretary, SHG&SE and D.M, Nadia

Status of Bank A/C Opening Status of Financial Transaction 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 Financial Year Number of Bank Accounts Opened 2011-12 9653 2012-13 12046 2013-14 12986 2014-15 25573 2015-16 upto Feb-16 30524 Financial Transaction (Rs. In Lakh) from 2011-12 to 2015-16 upto Feb-16 Status of Financial Transaction Financial Year Financial Transaction (Rs. In Lakh) 2011-12 7609.4 2012-13 8067.3 2013-14 9126.9 2014-15 16953.9 2015-16 upto Feb-16 17698.5

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 Krishnaganj Block during 2015-16 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 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 No. of Bank A/C 532756 776640 Amount Payment through A/C 14525.98 32890.36 No. of Women Beneficiary Active Worker with Account 339139 373716 Cumulative No. of HH provided employment 348051 332546 No. of Active HH 471158 483637 Aadhaar Seeding Status (Active Workers) 487046 Aadhaar Seeding % 55.78

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.

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 Percentage of women beneficiary Total no. of beneficiary having account Total no. of beneficiary having Bank account Total no. of beneficiary having Post Office account Percentage of bank account Total amount disbursed (In lacs) IGNOAPS 73103 37024 50.64 70056 19715 50341 28.14 5991.85 IGNWPS 24180 100 23907 2748 21159 11.49 2436.22 IGNDPS 1891 597 31.57 1828 367 1461 20.08 183.5 TOTAL 8611.57 Report of NSAP during financial year-2014-15 Name of the Scheme Total no. of Beneficiary No. of women beneficiary Percentage of women beneficiary Total no. of beneficiary having account Total no. of beneficiary having Bank account Total no. of beneficiary having Post Office account Percentage of bank account Total amount disbursed (In lacs) IGNOAPS 99152 45961 46.35 91950 60184 31766 65.45 5595.2 IGNWPS 30722 100 28884 18212 10672 63.05 2019.44 IGNDPS 3291 1009 30.65 3140 2115 1025 63.36 233.87 TOTAL 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 Total no. of beneficiary having account Total no. of beneficiary having Bank account Total no. of beneficiary having Post Office account Percentage of bank account Total amount disbursed (In lacs) IGNOAPS 93590 45498 48.61 90216 64645 25571 71.66 5466.52 IGNWPS 29438 100 28756 20289 8469 70.56 1873.72 IGNDPS 3611 3469 27.1 2613 856 75.32 211.51 TOTAL 7551.75

MINORITY AFFAIRS DEPARTMENT Scholarship, Loan & other issues of WBMDFC: Sl. No. Schemes/Scholarship 2014-15 2015-16 1 PREMATRIC SCHOLARSHIP 164906 145450 2 PREMATRIC SCHOLARSHIP ONLINE(lX-X) NIL 19818 TOTAL 165268 3 TALENT SUPPORT (Below-50%) 12550 15005 4 POSTMATRIC (above-50%) 10623 16413 5 Term Loan 481 439 as on date 6 SHG Loan 9500 Beneficiary 6605 Beneficiary as on date 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.

Lok PrasarPrakalpa under WB I & CA Deptt. Old Age Pension Sl. No. Name of the Department Name of Scheme Rate of Pension per month (Rs.) Total No. of Pensioners Fund received upto the month of March-2015 Disbursed upto the month of December-2015 1 Backward Classes Welfare OAP to ST 1000 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 Rs. 1,56,10,750/- Fund disbursed towards pensioner & retainer for the year 2015-16 Rs. 1,42,37,000/-

Avg. Credit Linkage (Rs.in lakh) 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) 1 Social Welfare OAP 750 4168 2,95,40,700 WP 1941 1,37,56,839 DP 1785 1,26,51,192 2 Agriculture Farmer’s OAP 2337 Rs. 87,68,250.00 3 Backward Classes Welfare ST OAP 1000 1678 1,49,64,000/- 4 Micro, Small & Medium Enterprises & Textiles Artisan Pension 120 Nil (Disbursed Annually Mar’15) OAP for weavers 542 34,91,000/- 5 Fisheries Fisherman’s OAP 514 38,25,000 6 Information and Culture Folk Artists Pensioner & Retainer fees 3709 1,42,37,000 16794 160,84,250.00 Most of the beneficiary accounts seeded with Aadhaar

GATIDHARA: Labour Department No.of applications received No.of applications sent No. of cheques received 544 445 179 Labour Department SL. NO NAME OF THE SCHEME FINANCIAL YEAR FINANCIAL PROGRESS Number of benefits provided Amount received Amount utilised 1 STATE ASSISTED SCHEME OF PROVIDEND FUND FOR UNORGANISED WORKERS (SASPFUW) 2014-15 869 9,731,359 2015-16* 1,504 24,020,628 2 WELFARE SCHEMES UNDER BUILDING & OTHER CONSTRUCTION WORKERS (RE&CS) ACT, 1996 44,116 125,565,686 12,274 45,158,678 3 WEST BENGAL TRANSPORT WORKERS SOCIAL SECURITY SCHEME, 2010 (WBTWSSS) 1,199 7,766,063 608 4,731,824 TOTAL >>

Total project cost involved in sanctioned cases(Rs. in Lakhs) SVSKP CUMULATIVE REPORT UP TO 25th December,2016 (RURAL+URBAN): Year Rural+Urban No of cases Total project cost involved in sanctioned cases(Rs. in Lakhs) subsidy involved in sanctioned cases ( Rs in Lakhs) Subsidy released Disbursement Sponsored Sanctioned Amount of subsidy (Rs. In Lakhs) Amount ( Rs. In Lakhs) 1 2 3 4 5 6 7 8 9 10 2014-2015 Rural 4505 1728 4186.08 1248.73 1091 789.05 1049 753.84 Urban 1215 330 530.33 165.37 230 130.37 200 109.39 Total   5720 2058 4716.41 1414.1 1321 919.42 1249 863.23 2015-2016 3446 1269 3006.09 604.58 1231 856.94 1037 719.89 862 212 399.93 128.54 173 106.57 117 71.73 4308 1481 3406.02 733.12 1404 963.5 1154 791.6

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