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

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

3. 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

4. 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

5. 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)

6. 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

7. 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

8. 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 , has provided a desirable and suitable mechanism to go beyond the matrix of income deprivation and address the issue of capability deprivation.

9. 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

10. 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 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

12. 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
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

13. 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
42107
21584
63691
133.71
41664
41131
8260
640145
385380
372585
797795
251338
719046
424463
335873
857258
284894
778953
452701
337832
883765
322029
Source: SLBC West Bengal Data

14. PRADHAN MANTRI JAN DHAN YOJANA
PMJDY data for West Bengal State vis-à-vis Nadia District (as on )
Rural A/cs
Urban A/cs
Total A/cs
Total Amt
Zero Bal A/cs
RupayCard A/cs
Aadhar Card A/cs
State
District
778953
452701
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 , 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
Accounts Opened
Aadhaar Seeding in %age terms
24.51
24.91
Average Balance in the accounts (in Rs.)
Accounts with zero balance in %age terms
36.33
29.37

15. 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

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

17. 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

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

19. 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 to upto Feb-16
Status of Bank A/C Opening
Financial Year
Number of Bank Accounts Opened
9653
12046
12986
25573
upto Feb-16
30524
Financial Transaction (Rs. In Lakh) from to upto Feb-16
Status of Financial Transaction
Financial Year
Financial Transaction
(Rs. In Lakh)
7609.4
8067.3
9126.9
upto Feb-16

20. 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
Camp under PMJDY at Krishnaganj Block for IAY Beneficiaries
at Nabadwip Block during
Camp under PMJDY at Krishnaganj Block for IAY Beneficiaries
at Krishnagar-I Block during
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

21. PMJDY Intervention for MGNREGA Wage Seekers
Active Job card Workers
873166
No. of Bank A/C
532756
776640
Amount Payment through A/C
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

22. 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 to
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.

25. PMJDY intervention for NSAP Beneficiaries
Krishnagar, Nadia

26. 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.

27. 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.

28. 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
IGNWPS
24180
100
23907
2748
21159
11.49
IGNDPS
1891
597
31.57
1828
367
1461
20.08
183.5
TOTAL
Report of NSAP during financial year
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
IGNDPS
3291
1009
30.65
3140
2115
1025
63.36
233.87
TOTAL
Report of NSAP during financial year (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
IGNWPS
29438
100
28756
20289
8469
70.56
IGNDPS
3611
3469
27.1
2613
856
75.32
211.51
TOTAL

32. MINORITY AFFAIRS DEPARTMENT
Scholarship, Loan & other issues of WBMDFC:
Sl. No.
Schemes/Scholarship 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 :
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:
3) Total Amount Disbursed :Rs Cr.
Achievement of financial year (up to December, 2015):
1) Total Beneficiaries Paid : 1,02,328
2) Total Amount Disbursed :Rs Cr.

33. 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 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
Rs. 1,56,10,750/-
Fund disbursed towards pensioner & retainer for the year
Rs. 1,42,37,000/-

34. 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*
0.54
*N.B. Total nos. of farming families = 3,20,464
Pension Beneficiaries Others Department( )
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

35. 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)
869
9,731,359 *
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 >>

36. 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
Rural
4505
1728
1091
789.05
1049
753.84
Urban
1215
330
530.33
165.37
230
130.37
200
109.39
Total
5720
2058
1414.1
1321
919.42
1249
863.23
3446
1269
604.58
1231
856.94
1037
719.89
862
212
399.93
128.54
173
106.57
117
71.73
4308
1481
733.12
1404
963.5
1154
791.6

37. 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