National Social Assistance Program (NSAP)

DBT / Best Practices

Presented by: Dept. of Labour, Employment & Training,

Government of Jharkhand

Presented by: Dept. of Labour, Employment & Training,

Government of Jharkhand

NSAPNSAP

Aadhaar Penetration in NSAP

Population Total Beneficiaries

% of Total Population

Total Beneficiaries with Aadhaar

% of Beneficiaries with Aadhaar

3.29 crore 10,09,532 3.06 % 6,45,995 64 % Approx

Started on15 August 1995, to provide Social Security to the most deprived.

Old Age, Widow, Disabled

Status of Aadhaar Enrolment in Jharkhand

Population Total Enrolment

Percentage Total Aadhaar Generated

% Aadhaar Generated

3.29 Crores 3.14 Cr 95.41 2.67 Cr 81.16

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Work Flow : Manual SystemWork Flow : Manual System1. 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

Draft by Treasury branch in favour of BDO

10. Panchayat wise Camp

Cash Disbursement

Draft deposited in BDO’s A/C and Clearance

Cheque to G.P. by BDO

Encashment by G.P.

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Withdrawal

Cheque deposited in PO/ Bank

Credit in pensioner’s account

Clearance

1 2

3

4

Fund from State to District

CHALLENGES WITH THE OLD SYSTEMThe order of Hon’ble SC could not get complied in the old system which requires pension to be paid by 7th of every month.

Lack of Transparency.

Lack of new pension sanction.

Inefficient & Cumbersome official processes.

Delayed Payment.

Fake beneficiaries.

Dead beneficiaries

Ghost beneficiaries.

Large revenue Loss to the Government to the tune of crores.

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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

AADHAAR BASED PAYMENT: NEW SYSTEM

Opening of Bank A/c of Beneficiaries.

Aadhaar Number of Beneficiaries.

NSAP Software

Aadhaar based payments

Seeding by Bank

Verification / De-duplication

NPCI Confirmation

Collection

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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

Work Flow: New SystemWork Flow: New System

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3

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AADHAAR PAYMENTS BRIDGE SYSTEM – HOW DOES IT WORK

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Legends:

Government Departments / User Agency

BanksCentral

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

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METHODS ADOPTED AT FIELD LEVEL

DC

SDO / DLM

BDOBDOBDOBDO

Field Level Staffs, PRIs ( BPOs, GRS, PS, MUKHIYA)

DBT CORE TEAM(Assistant Director

Social security, Nodal officer UID, DIO –NIC,

PMRDF)

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STRATEGIES ADOPTEDDATA COLLECTION & FIELD LEVEL VERIFICATION

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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 Levels12

STRATEGY: UID ENROLLMENT OF LEFT OUT BENEFICIARIES

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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

CASE STUDIESCase #1 Case #2

Single account

Multiple Pensions in diff names.

Account no: 472210110002127

Pension ID 250810024711/62Beneficiary Name: Sandhya Devi

Pension ID 270810024825/63Beneficiary Name: Radha Devi

Pension ID 270511034637/8Beneficiary Name: Radha Devi

Single person

Three pensions.

Account No. 487010110000220

Pension ID JH-S-0560193Name: Charan Yadav Pension ID JH-S-05603173 Name:Charan Yadav

Pension ID JH-S-05603181Charan Yadav 16

CASE STUDIESCase #3 Case #4

Multiple Pensions

Account No. 487010110000220

Pension ID JH-S-05602974 Beneficiary Name: Girdhari Mandal Pension ID JH-S-05614976Beneficiary Name: Girdhari Mandal

Single Account,

Double Pension

Account No. 446310510000033

Pension ID 23177Beneficiary Name: Sushila Devi Pension ID 24452Beneficiary Name: Aklima Bewa

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DATA CLEANING PROCESS: IDENTIFICATION OF GHOST BENEFICIARIES

Sl. No. District Name APRIL, 2013 DECEMBER. 2013 Difference1 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

  Total104487

0943590 101280

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DATA VERIFIED & CLEANED

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District 2 3 4 5 6 7 8 9 10 > 10BOKARO 71 1 0 0 0 0 0 0 0 0CHATRA 1059 41 17 0 1 0 0 0 0 1DEOGHAR 319 8 0 0 0 0 0 0 0 0Dhanbad 402 14 0 0 0 0 0 0 0 0DUMKA 7 0 0 0 0 0 0 0 0 0

GARHWA 1879 77 33 0 2 0 0 0 0 0GIRIDIH 1150 78 12 2 0 0 0  0 0GODDA 2014 110 14 2 0   0 0 0 0

GUMLA 2432 513 192 92 53 55 21 9 4 4Hazaribag 171 2 0 0 0 0 0   0 0JAMTARA 531 34 2 0 0 0 0 0 0 0KHUNTI 55 2 0 0 0 0 0 0 0 0KODERMA 45 0 0 0 0 0 0 0 0 0LATEHAR 680 14 1 1 0 0 0 0 0 0LOHARDAGA 148 0 1 1 0 0 0 0 0 0PAKUR 327 14 3 0 0 0 0 0 0 0

PALAMU 3809 153 23 2 1 2 1 1 1 2PURBI SINGHBHUM 435 24 2 1 1 0 0 0 0 0RAMGARH 29 1 0 0 0 0 0 0 0 0RANCHI 226 12 1 0 1 0 0 0 0 1SAHEBGANJ 137 2 0 0 0 0 0 0 0 0

SARAIKELA KHARSAWAN 3423 171 85 5 1 0 0 0 1 1SIMDEGA 1221 89 13 4 2 0 0 0 0 0WEST SINGHBHUM 93 2 3 0 0 0 0 0 0 2

Total 20663 1362 402 110 62 57 22 10 6 11

DUPLICATE ACCOUNTS

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Sl. No. Divisions During

Data Digitization

During Bank A/C

verification

During Aadhaar

VerificationTotal

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

SAVINGS

New Vacancies

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http://jhr.nic.in/pension

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STATE DBT NSAP PORTAL

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Status of Direct Benefit Transfer (DBT) in NSAP Scheme

PENSION SCHEME

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

CASE STUDY OF HAZARIBAGH- ABPS PAYMENT

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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….

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 .

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 beneficiary’s place of residence

using biometric devices, micro ATMs, through Cooperative Bank, India Post, BCs ans CSPs.

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