1. DWCRA MEMBERS AS BANK AGENTS
Andhra Pradesh Mahila Sadhikara Samstha

2. DWCRA Women and their Federations in AP
Rural
13 Zilla Samakhyas
Urban
STREE NIDHI
STATE LEVEL FEDERATION
FOR MICROFINANCE SUPPORT TO SHG MEMBERS
MS/TLF
830
VO/SLF
34,349
SHG
8,73423
DWCRA Women
86,79,129 ZS
GIRIJANA SAMAKHYAS & FISHERMEN SAMAKHYAS
695
Mandal Samakhyas
135
Town-level federations
27,893
Village Organizations
6456
Slum-level federations
6,80,650
Self-Help Groups
1,92,773
Self-Help Groups
68,39,694
women
18,39,435
women

3. SHG centric opportunities
Deposits and withdrawals from Savings accounts of SHGs 1
Withdrawals and repayments of Cash Credit Limits 2
Operations of personal accounts of members of SHGs and their families 3
Repayment of loans taken by members from banks in their personal capacity 4
Transactions of SHG federations (VO and MS) 5
NREGA and Pension payments 6
Other than SHG centric Business: Farm loan transactions, Other retail loans, Deposits and withdrawals by general public.

4. Big Picture – SHG centric (value in Cr)
Activities
Rural
Urban
Total
Anticipated withdrawals from overdraft accounts
9,700
2,000
11,700
Anticipated repayments to overdraft accounts
8,302
1,831
10,132
SHG surplus cash - deposited in savings bank account
823
204
1,027
Savings bank withdrawal of SHGs
NREGA payments
5,270
Pension payments
5,600
Repayment of bank loans taken by SHG members and their family members
2,767
610
3,377
Cash withdrawals & Deposits of VOs
2,151
499
2,650
Cash withdrawals & Deposits of MSs
125
250
35,561
5,473
41,033
Average Commission payable by 0.40%
142 22
164

5. Other Opportunities Farm loan transactions – Rs 25,000 Crores
Other retail loans – Rs 15,000 Crores
Savings Transactions of General Public –
The above business could be handled by BC/BCAs in addition to the SHG related transactions

6. Advantages to DWCRA women
Cash withdrawals and deposits happen in their locality itself
Also, their overdraft /Cash Credit Limit operations
Saves time and cost – transportation and wage loss
Will help in extending insurance services and remittance services to the poor
Thefts, misusing of funds etc., are avoided
BC- Customer Service Points are capable of even biometric verifications using Adhaar, including instant eKYC for customers
Around 34K SHG members will have an opportunity to work as BCs with respectable income – 34k touch points!
Advantage to General Public
Above advantages are also applicable to the general public.

7. Business opportunities in unbanked and remote villages (Rs.)
Transaction type
Thapitavaripalli, Mudigubba Mandal, Ananthapur dist.
Budnampalli,
Mudigubba Mandal, Ananthapur dist.
Amruthapuram, Halaharvi Mandal, Kurnool dist.
Arikera Thanda, Alur Mandal, Kurnool dist.
SHGs SB account transaction
340800
417600
132000
378000
VO transaction
900000
360000
252000
Withdrawal from overdraft accounts of SHGs
Credit into overdraft accounts of SHGs
NREGA payments
Pension payments
108000
180000
Other SB account transactions
53000
65000
96250
Repayments of bank loans to individual SHG members and their family members
Total
Average Commission payable by 0.40%
55053
58866
33685
30510
No. of SHGs 27 30 11 12
No. of Members
284
348
110
170

8. DWCRA Women as Bank Agent - a model
NABARD has piloted the model as “Bank Sakhi” and suggested for replication
Stree Nidhi positioned as corporate BC to SBI and Andhra Bank . Stree Nidhi is supporting
exclusively DWCRA women as BCA.
DWCRA woman is getting livelihood as Village Level Entrepreneur (VLE) for managing the kiosk.
As on date 86 centres are functioning
 74 VLEs getting Income up to Rs. 5000/-
 11 VLEs getting Rs. 5000/- to Rs. 10,000/-
 1 VLE getting more than Rs. 10,000
700 CSPs under discussion,
350 Upcoming under APRIGP.

9. Status of Implementation
In order to engage BC, the banks are following Sub Service Area (SSA) model for coverage of villages under financial inclusion plan.
Each SSA will consist of a cluster of 2 to 5 villages with a total population of 1500 to 2000.
In Andhra Pradesh there are 8229 SSA points, out this 6576 SSA points are covered by corporate BCs and the rest 1653 SSAs are covered by Bank Branches.
6576 SSAs are covered through the Corporate Business orrespondents that were entered in to Agreements with Banks through RFP Process.

10. Way forward
Create opportunities for DWCRA Women to work as BC or BCA
Banks are re-allocating the SSAs wherever the originally appointed BC ceases to function. SN or any BC may be allotted such locations and support DWCRA women.
Bring as many banking activities as possible under BC/BCAs
Move towards cashless transactions, wherever possible
Implement Financial Inclusion agenda of the Govt.
High quality banking services at the doorsteps of the underprivileged
SLBC to constitute a sub committee to work out modalities to employ DWCRA women as BCs across the state.
SLBC to constitute a sub committee to work out modalities to employ DWCRA women as BC/BCAs across the state.