E fms 7-4-14

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A status report on e-FMS in MGNREGS in West Bengal

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E fms 7-4-14

  1. 1. + Electronic Fund Management System (e-FMS) for MGNREGS P&RDD, 7 April 2014 PO (BDO) GP/ PIA Bank Post Office
  2. 2. + e-FMS: How it works? Fund in the State level e-FMS account/s No fund in intermediate accounts All wage-seeker accounts in CB/ RRB or Post Offices Account information verified with information in Job Cards Once verified, information is frozen in the system
  3. 3. + e-FMS: How it works Digital Signature Certificates for Makers and Checkers (Accountant and DDO/HO) Once measurement is taken, wage slips are generated in the system Payment is entered in the system by the ‘maker’ Payment is authorised in the system by the ‘checker’ Advice flows to the central server maintained by the MoRD/ NIC, Delhi
  4. 4. + e-FMS: How it works Advice picked up by the lead banker Money debited from the e-FMS account of the State Money credited into the accounts of the wage seekers Reports on successful and unsuccessful transactions generated Follow up measures taken against unsuccessful transactions
  5. 5. +e-FMS pre-requisites State e- FMS account DSC Freezing of account info Training Stable connectivity Closure of all accounts in non-CBS platform is also a pre-requisite
  6. 6. + e-FMS: Where we are? E-FMS declared status for the entire state w.e.f. 1 April 2014 DSC procurement for all the PIAs nearly complete One e-FMS account opened with UBI Nearly Rs. 10 crore transacted through e- FMS (in North 24 Parganas and one FTO in Hooghly)
  7. 7. + e-FMS: Where we are? Information against 70% of active Bank accounts verified and frozen in the system Information against 28% of active Post Office accounts are verified and frozen in the system Stray cases of delay in verificagtion of bank accounts Major bottleneck in verification of Post Office accounts for want of EMO Code and Sanchay Post Code
  8. 8. + e-FMS through Banks: -the conceptual drawing
  9. 9. SFTP server NREGAsoft -Data entry of musterrolls, material & admn. Exp. Bills -Generation of wage list,material list and admn exp. list Bank having Nodal agency account Bank 1 Bank 2 Bank 3 ….. First signatory (panchayat secy/ accountant Generate FTO and digitally sign Second signatory (Pradhan/ BDO Approve FTO, digitally sign Accounts of workers in Wage List FTO FTO Integration of response in NREGASoft Direct benefit transfer in MGNREGA through e-FMS for Banks Workers’ accounts
  10. 10. + e-FMS through Post Offices: -the technical requirements
  11. 11. + e-FMS: through Post Office •Updation of HO/SO information in MGNREGA central server. •Updation of bank account in formation of HO in MGNREGA central server. •Freezing of account information in MGNREGA central server of wage–seekers having accounts in Post office. This will lock / freeze all account information of wage seekers, so that any updation can’t be made during fund transaction.
  12. 12. + e-FMS: through Post Office •After execution of work, consolidated pay advise named as FTO (Fund transfer order) encrypted with two digital signature will be generated at MGNREGA server. Then, the FTO will be sent to server of CEPT Mysore and State Nodal Bank (currently, UBI) / Banks •After successful process, the fund will be credited directly to beneficiaries account
  13. 13. SFTP server NREGAsoft -Data entry of musterrolls, material & admn. Exp. Bills -Generation of wage list,material list and admn exp. list CEPT mysore Bank having Nodal agency account HO 1 A/C HO 2 A/C HO 3 A/C ….. First signatory (panchayat secy/ accountant Generate FTO and digitally sign Second signatory (Pradhan/ BDO Approve FTO, digitally sign HO /SO1 HO /SO2 HO /SO3 ….. Accounts of workers in Wage List FTO FTO Integration of response in NREGASoft Direct benefit transfer in MGNREGA through e-FMS for Post offices
  14. 14. + e-FMS through Business Correspondence: Some Basic Requirements • BC code is a must. • BC account must have the privilege so that wage seekers can withdraw amount other than from regarding CSP, i.e., can be befrom mother bank’s branches or ATMs
  15. 15. + S.No Districts No. of NREGA worker with Active Account Information Total % of Freezing of account information Bank Post Office Total Bank Post Office TotalCommerc ial and RRB's Cooperati ve and others Commercia l and RRB's Cooperat ive and others 1 HOOGHLY 487025 75000 89921 651946 91% 3% 1% 69% 2 HOWRAH 56990 4491 30782 92263 75% 5% 63% 68% 3 JALPAIGURI 131210 5240 377632 514082 84% 24% 62% 67% 4 PASCHIM MEDINIPUR 508368 81384 301489 891241 78% 18% 61% 67% 5 24 PARGANAS (NORTH) 214167 1337 101487 316991 85% 0% 15% 62% 6 BURDWAN 504056 79029 579271 1162356 75% 32% 54% 62% 7 PURBA MEDINIPUR 306571 92985 142653 542209 75% 14% 41% 55% 8 MURSHIDABAD 364877 10625 186595 562097 63% 8% 40% 54% 9 DINAJPUR UTTAR 38653 2824 84051 125528 62% 39% 44% 49% 10 DINAJPUR DAKSHIN 41406 7784 68314 117504 59% 8% 46% 48% 11 COOCHBEHAR 128335 865 197819 327019 52% 0% 32% 39% 12 24 PARGANAS SOUTH 199913 4528 133453 337894 55% 5% 6% 35% 13 SILIGURI MP 18652 19 41816 60487 80% 0% 12% 33% 14 BIRBHUM 269311 29917 451337 750565 83% 0% 0% 30% 15 BANKURA 216271 36207 340837 593315 38% 7% 21% 26% 16 MALDAH 111507 7238 160869 279614 29% 15% 10% 18% 17 GTA 14734 14268 92974 121976 57% 26% 1% 11% 18 PURULIA 70195 1974 362599 434768 52% 0% 1% 10% 19 NADIA 145128 24815 353514 523457 25% 0% 0% 7% Total 3827369 480530 4097413 8405312 70% 14% 28% 46%
  16. 16. + Districts Post Office HO information received SO information receivedTotal Frozen % of Freerzing HOOGHLY 89921 679 1% 3 81 HOWRAH 30782 19489 63% 2 117 JALPAIGURI 377632 234035 62% 59 PASCHIM MEDINIPUR 301489 184123 61% 2 97 24 PARGANAS (NORTH) 101487 15341 15% 1 85 BURDWAN 579271 310608 54% 5 145 PURBA MEDINIPUR 142653 57995 41% 2 131 MURSHIDABAD 186595 74881 40% 1 79 DINAJPUR UTTAR 84051 37082 44% DINAJPUR DAKSHIN 68314 31149 46% 37 COOCHBEHAR 197819 62348 32% 49 24 PARGANAS SOUTH 133453 7727 6% 19 SILIGURI MP 41816 5017 12% BIRBHUM 451337 0 0% 20 BANKURA 340837 72162 21% 1 73 MALDAH 160869 16047 10% 39 GTA 92974 778 1% PURULIA 362599 5218 1% 1 46 NADIA 353514 0 0% 2 43 4097413 1134679 28% 20 1120
  17. 17. + District Total FTO Generated Response from Bank NO of Transaction Processed No of Invalid Account No of transaction Rejected Total transaction 24 PARGANA S (NORTH) 423 94167 0 0 94167 HOOGHLY 2 9 0 0 9 Total 425 94176 0 0 94176
  18. 18. + Job Card No. Trans Date Appl Name Wagelist No. Name of Primary Acc Holder Account No. IFSC code Amt. to be credit (In Rs.) Credit Amt. (In Rs.) Process ed Date UTR No. WB-15- 012-006- 012/01 26-09- 2013 ARIJUL MANDAL 3215012WL 00487 ARIJUL MANDAL 17161080 07918 CNRB00 01716 1057 1057 27-09- 2013 UTBIN1 327044 6027 WB-15- 012-006- 012/01 26-09- 2013 ARIJUL MANDAL 3215012WL 00487 ARIJUL MANDAL 17161080 07918 CNRB00 01716 1056 1056 27-09- 2013 UTBIN1 327044 6026 WB-15- 012-006- 012/02 26-09- 2013 MAHATAB ALI 3215012WL 00487 MAHATAB ALI 17161080 07052 CNRB00 01716 1057 1057 27-09- 2013 UTBIN1 327044 6021 Individual transaction details
  19. 19. + • One e-FMS Cell with dedicated manpower may be created at the Branch entrusted with managing the e- FMS account The IT Cell of the Bank may be actively involved in management of the process, especially at the initial stage Appropriate test environment may be developed at the Bank for testing the FTO fetching process Bank server has to be synchronized with the NIC server maintained at the Ministry of Rural Development, Government of India Requirement from the Banks for transactions through e-FMS
  20. 20. + • Bank should have the system of decryption of encrypted FTOs containing multiple (2) Digital Signatures Against every individual transaction, Bank has to ensure immediate crediting of money to individual accounts. As a standard all-India practice, FTOs generated before 12 noon are paid on the same day whereas FTOs generated after 12 noon are paid on the very next day. This practice has to be followed, if not improved upon Requirement from the Banks for transactions through e-FMS
  21. 21. + • After every transaction, the Bank has to send response to the NIC Server wherefrom reports against every transaction, whether successful or failed, will be generated. This is vital as this report itself will be the basis of writing cash books by the Gram Panchayats and other PIAs A consolidated report will also be required at the state level from the concerned e-FMS banker on a fortnightly basis The Bank will also have to directly interact with the NIC, Delhi (in the MoRD) on different technical issues A MoU has to be signed between the Bank and the State Government to streamline the processed Requirement from the Banks for transactions through e-FMS
  22. 22. + • HO Code, EMO Code, Sanchay Post Code Bank Account Details of the Head Post Offices Specific plan for cash management till the level of the Branch Post Offices Requirement from the Postal Authority for transactions through e- FMS
  23. 23. + Information Regarding HO & SO: We have received HO & SO details from Postal Department 3 phases during Dec’13 and April’14 No information yet received for Uttar Dinajpur, SMP & GTA Complete information except above three districts may also needs to provided.
  24. 24. +Digital Signature Certificate S no NAME OF THE DISTRICT PROVIDER TOTAL DSC RECEIVED 1 JALPAIGURI (n) Code Solutions 309 2 SILIGURI -do- 56 3 DARJLING -do- 22 4 COOCHBEHAR -do- 273 5 PURULIA -do- 259 6 PASCHIM MEDINIPUR -do- 395 7 PURBI MEDNIPUR -do- 189 8 DAKSHIN DINAJPUR NIC 132 9 MURSHIDABAD -do- 208 10 NORTH 24PRGNS -do- 200 2043
  25. 25. + Functioning as Banker for the e-FMS account In immediate future, the entire transactions in MGNREGS, including wage, materials and administrative expenses will be directly from the State e-FMS account. We have already opened one e-FMS account of the State Employment Guarantee Fund (SEGF) with the United Bank of India at their Old Court House Street Branch. Fund Transfer Orders generated mostly by North 24 Parganas district and some FTOs generated by Hooghly district have so far been routed through the e-FMS account with UBI. Till date the volume of transactions through the e-FMS route is around Rs. 8.31 crore (total FTOs generated for Rs.10.98 crore). Since, with all the districts graduating into e-FMS we will have huge transactions, we propose induct the State Bank of India into the fold and distribute the load between the SBI and the UBI for better management of the system.
  26. 26. + West Bengal Total Frozen % of Freezing Commerci al and RRB's Cooperati ve and others Commerc ial and RRB's Cooperati ve and others Commercia l and RRB's Cooperative and others 3827369 480530 2674610 67263 70% 14% Total no. of Banks: 81 Post Office HO information received SO information receivedTotal Frozen % of Freerzing 4097413 1134679 28% 20 1120
  27. 27. + Hooghly Total Frozen % of Freezing of account information Commerc ial and RRB's Cooperati ve and others Commer cial and RRB's Cooperativ e and others Commercial and RRB's Cooperative and others 487025 75000 445417 2568 91% 3% Total no. of Banks: 33 Post Office HO informatio n received SO information receivedTotal Frozen % of Freerzing 89921 679 1% 3 81
  28. 28. + Howrah Total Frozen % of Freezing Commerc ial and RRB's Cooperat ive and others Commer cial and RRB's Cooperati ve and others Commercial and RRB's Cooperative and others 56990 4491 42889 203 75% 5% Total no. of Banks: 31 Post Office HO information received SO information receivedTotal Frozen % of Freerzing 30782 19489 63% 2 117
  29. 29. + Jalpaiguri Total Frozen % of Freezing Commerci al and RRB's Cooperati ve and others Commerc ial and RRB's Cooperati ve and others Commerci al and RRB's Cooperative and others 131210 5240 110089 1245 84% 24% Total no. of Banks: 28 Post Office HO information received SO information receivedTotal Frozen % of Freerzing 377632 234035 62% 59
  30. 30. + Paschim Medinipur Total Frozen % of Freezing Commerci al and RRB's Cooperati ve and others Commerc ial and RRB's Cooperati ve and others Commercia l and RRB's Cooperative and others 508368 81384 397079 14804 78% 18% Total no. of Banks: 47 Post Office HO information received SO information receivedTotal Frozen % of Freerzing 301489 184123 61% 2 97
  31. 31. + North 24 Parganas Total Frozen % of Freezing Commerci al and RRB's Cooperati ve and others Commerc ial and RRB's Cooperati ve and others Commercia l and RRB's Cooperative and others 214167 1337 182612 0 85% 0% Total no. of Banks: 38 Post Office HO information received SO information receivedTotal Frozen % of Freerzing 101487 15341 15% 1 85
  32. 32. + Burdwan Total Frozen % of Freezing Commerci al and RRB's Cooperati ve and others Commerc ial and RRB's Cooperati ve and others Commercia l and RRB's Cooperative and others 504056 79029 379374 24988 75% 32% Total no. of Banks: 50 Post Office HO information received SO information receivedTotal Frozen % of Freerzing 579271 310608 54% 5 145
  33. 33. + Purba Medinipur Total Frozen % of Freezing Commerci al and RRB's Cooperati ve and others Commerc ial and RRB's Cooperati ve and others Commercia l and RRB's Cooperative and others 306571 92985 229274 13377 75% 14% Total no. of Banks: 39 Post Office HO information received SO information receivedTotal Frozen % of Freerzing 142653 57995 41% 2 131
  34. 34. + Murshidabad Total Frozen % of Freezing Commerci al and RRB's Cooperati ve and others Commerci al and RRB's Cooperativ e and others Commercial and RRB's Cooperativ e and others 364877 10625 229706 804 63% 8% Total no. of Banks: 45 Post Office HO information received SO information receivedTotal Frozen % of Freerzing 186595 74881 40% 1 79
  35. 35. + Dinajpur Uttar Total Frozen % of Freezing Commerci al and RRB's Cooperati ve and others Commerc ial and RRB's Cooperati ve and others Commercia l and RRB's Cooperative and others 38653 2824 23898 1106 62% 39% Total no. of Banks: 26 Post Office HO information received SO information receivedTotal Frozen % of Freerzing 84051 37082 44%
  36. 36. + Dinajpur Dakshin Total Frozen % of Freezing Commerci al and RRB's Cooperati ve and others Commerc ial and RRB's Cooperati ve and others Commercia l and RRB's Cooperative and others 41406 7784 24476 609 59% 8% Total no. of Banks: 35 Post Office HO information received SO information receivedTotal Frozen % of Freerzing 68314 31149 46% 37
  37. 37. + Cooch Behar Total Frozen % of Freezing Commerci al and RRB's Cooperati ve and others Commerci al and RRB's Cooperati ve and others Commercial and RRB's Cooperative and others 128335 865 66355 0 52% 0% Total no. of Banks: 32 Post Office HO information received SO information receivedTotal Frozen % of Freerzing 197819 62348 32% 49
  38. 38. + South 24 parganas Total Frozen % of Freezing Commerci al and RRB's Cooperativ e and others Commerci al and RRB's Cooperativ e and others Commercial and RRB's Cooperative and others 199913 4528 110083 241 55% 5% Total no. of Banks: 42 Post Office HO information received SO information receivedTotal Frozen % of Freerzing 133453 7727 6% 19
  39. 39. + Siliguri MP Total Frozen % of Freezing Commerci al and RRB's Cooperati ve and others Commerc ial and RRB's Cooperati ve and others Commercia l and RRB's Cooperative and others 18652 19 14926 0 80% 0% Total no. of Banks: 14 Post Office HO information received SO information receivedTotal Frozen % of Freerzing 41816 5017 12%
  40. 40. + Birbhum Total Frozen % of Freezing Commerci al and RRB's Cooperati ve and others Commerc ial and RRB's Cooperati ve and others Commercia l and RRB's Cooperative and others 269311 29917 222929 2 83% 0% Total no. of Banks: 50 Post Office HO information received SO information receivedTotal Frozen % of Freerzing 451337 0 0% 20
  41. 41. + Bankura Total Frozen % of Freezing Commerci al and RRB's Cooperati ve and others Commerci al and RRB's Cooperati ve and others Commercial and RRB's Cooperative and others 216271 36207 81854 2533 38% 7% Total no. of Banks: 45 Post Office HO information received SO information receivedTotal Frozen % of Freerzing 340837 72162 21% 1 73
  42. 42. + Maldah Total Frozen % of Freezing Commerci al and RRB's Cooperati ve and others Commerc ial and RRB's Cooperati ve and others Commercia l and RRB's Cooperative and others 111507 7238 32058 1075 29% 15% Total no. of Banks: 36 Post Office HO information received SO information receivedTotal Frozen % of Freerzing 160869 16047 10% 39
  43. 43. + GTA Total Frozen % of Freezing Commerci al and RRB's Cooperati ve and others Commerc ial and RRB's Cooperati ve and others Commercia l and RRB's Cooperative and others 14734 14268 8394 3708 57% 26% Total no. of Banks: 12 Post Office HO information received SO information receivedTotal Frozen % of Freerzing 92974 778 1%
  44. 44. + Purulia Total Frozen % of Freezing Commerci al and RRB's Cooperativ e and others Commerci al and RRB's Cooperativ e and others Commercial and RRB's Cooperative and others 70195 1974 36713 0 52% 0% Total no. of Banks: 26 Post Office HO information received SO information receivedTotal Frozen % of Freerzing 362599 5218 1% 1 46
  45. 45. + Nadia Total Frozen % of Freezing Commerci al and RRB's Cooperati ve and others Commerc ial and RRB's Cooperati ve and others Commercia l and RRB's Cooperative and others 145128 24815 36484 0 25% 0% Total no. of Banks: 27 Post Office HO information received SO information receivedTotal Frozen % of Freerzing 353514 0 0% 2 43

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