The document appears to be an internal BC strategy document that outlines plans for agent onboarding, distribution networks, product penetration, and subsidies across various Indian states for the 2023-2024 fiscal year. It includes maps of migrant populations and money flows, remittance corridors to focus on, current agent and account details by state, subsidy disbursements by scheme and state, and assumptions for savings account growth and revenue projections. It also covers controls, onboarding criteria, asks around products, business, customer service, compliance, manpower, and marketing.

1. BC Agent Strategy
FY 23-24

2. Migrant movement
Jammu & Kashmir
Himachal Pradesh
Uttaranchal
Punjab
Rajasthan Uttar Pradesh
Madhya Pradesh
Gujarat
Maharashtra
Karnataka
Goa
Kerala
Tamil Nadu
Andhra Pradesh
Orissa
Chhattisgarh
Bihar
Jharkhand
West Bengal
Assam
Meghalaya
Mizoram
Manipur
Nagaland
Arunachal Pradesh
Sikkim
Tripura
Andaman & Nicobar Islands
Lakshadweep
Puducherry
Dadra and Nagar Haveli
Daman & Diu
New Delhi
Haryana
Chandigarh
Telangana
High - Migrant
Dominated States
Moderate - Migrant
Dominated States
High - Density Money
Receiving states
Moderate - Density
Money Receiving states
Source - Microsave

3. State wise Product Penetration
AePS/NPCI
BIHAR
UTTAR PRADESH
WEST BENGAL
MADHYA PRADESH
RAJASTHAN
MAHARASHTRA
ORISSA
HARYANA
ANDHRA PRADESH
GUJARAT
ASSAM
DMT
MAHARASHTRA
HARAYANA
RAJASTHAN
PUNJAB
GUJARAT
DELHI
UTTAR PRADESH
ANDHRA PRADESH
WEST BENGAL
Bihar
Subsidy
UTTAR PRADESH
DELHI
MADHYA PRADESH
RAJASTHAN
MAHARASHTRA
WEST BENGAL
BIHAR
ODISHA
ANDHRA PRADESH
GUJARAT
Phase 1
State Coverage
BIHAR
WEST BENGAL
UTTAR PRADESH
MADHYA PRADESH
RAJASTHAN
MAHARASHTRA
ODISHA
HARYANA
ANDHRA PRADESH
GUJARAT
ASSAM
CHHATTISGARH
Source:
AePS – NSDL PB throughput Nov’22
DMT – NSDL PB throughput Dec’22
Subsidy – PFMS June’22

4. leverage volume on high potential remittance-
corridors in the country to start and then extend
pan India
Jammu & Kashmir
Himachal Pradesh
Uttaranchal
Punjab
Rajasthan Uttar Pradesh
Madhya Pradesh
Gujarat
Maharashtra
Karnataka
Goa
Kerala
Tamil Nadu
Andhra Pradesh
Orissa
Chhattisgarh
Bihar
Jharkhand
West Bengal
Assam
Meghalaya
Mizoram
Manipur
Nagaland
Arunachal Pradesh
Sikkim
Tripura
Andaman & Nicobar Islands
Lakshadweep
Puducherry
Dadra and Nagar Haveli
Daman & Diu
New Delhi
Haryana
Chandigarh
Telangana
Mumbai
Surat
Remittance – Cash out Corridors
Mumbai  UP East (Pratapgarh,
Allahabad, Jaunpur, Azamgarh, Basti,
Maharajganj, Gorakhpur etc..)
Delhi  UP East (Gonda, Basti,
Pratapgarh)
Delhi  Bihar (Siwan, Gopalganj, Saran,
E/W Champaran, Vaishali ,Darbhanga ,
Sasaram)
Surat  Bihar (Gopalganj, Saran,
Darbhanga)
Surat  Odisha
Punjab  UP East (Ballia, Ghazipur ,
Mau, Raibareli, Amethi)
Bangalore  UP, Bihar
Hyderabad  UP East( Sant Kabir Nagar,
Badhoi, Mirzapur)
Tamil Nadu  Orissa ,WB
Hyderabad  Odisha
Bangalore
Remittance & Cashout
Remittance
Cashout

5. Manpower & Distribution Network
Controlling Officer Agents DS MDS
Akshay M/TBA 94 4 4
Ambarish T/TBA 177 13 5
Arindam Saha 23
Deepak kumar 41 2
Ghanshyam 89 6 1
Mahatab 132 7 3
Noorul 118 6 3
Partha M 0 1
Pradeep Rai 212 15 6
Prodyut Biswas 163 6 2
RAKESH/CBC 315 7
Sahil Raj 125 6 1
TBA/Other 165 8 5
Grand Total 1654 80 30
State Planned CO ASM Joined
Joining in
Process
Bihar 7 1 2 2
UP 9 1 3 0
MP & CG 8 1 0 1
WB 7 1 3 2
Assam 3 - 0 1
Delhi 1 - 1 0
Maharashtra 2 - 0 0
Gujrat 1 - 0 0

6. State Wise Distribution
State Agents Count MDS Count DS Count
Uttar Pradesh 583 11 29
Bihar 295 3 10
West Bengal 208 2 4
Assam 165 4 10
Maharashtra 86 1 3
Gujarat 79 2 1
Madhya Pradesh
54 0 2
Delhi 53 2 3
Rajasthan 32 0 0
Jharkhand 19 0 0
Haryana 17 0 0
Chhattisgarh 15 0 1
Karnataka 15 0 0
Odisha 14 0 0
Punjab 5 0 2
Andhra Pradesh 4 0 0
Tamil Nadu 2 0 0
Arunachal Pradesh
1 0 0
Kerala 1 0 0
Mizoram 1 0 0
Nagaland 1 0 0
Orissa 1 0 0
Telangana 1 0 0
Tripura 1 0 0
Uttarakhand 1 0 0

7. Savings & Current Account
BC_NAME FTD_COUNT MTD_COUNT
LTD_COUN
T
FTD_BALANC
E
MTD_BALANC
E
LTD_BALANCE
BO/CSP 166 2899 25116 42013.68 2114636.95 22970139.83
VK VENTURE PRIVATE LIMITED 22 384 2500 0 329431.53 3747827.19
KINETIC OUTSOURCING SOLUTIONS PVT LTD 0 0 33 0 0 0
EZYREACH INFOCOM PRIVATE LIMITED 0 0 14 0 0 457.6
EARNINDIA CONSULTANCY PRIVATE LIMITED 0 0 4354 0 0 4247198.29
SPICE MONEY LIMITED 0 0 3 0 0 170.48
POPCORN INFOTECH PRIVATE LIMITED 0 1 208 0 0 199667.97
ROI NET SOLUTION PRIVATE LIMITED 1 10 2692 0 4151.24 2414688.66
BC CA 9 148 4405 3052 134275.21 5644244.52
Total 198 3442 39325 45065.68 2582494.93 39224394.54

8. State wise CASA Count & Balance
Savings Account Current Accounts Total
CBSADDRSSTATE ACCOUNTS_COUN
T
TOT_BALANCE ACCOUNTS_COUNT TOT_BALANCE Total
ACCOUNTS_COUNT
SB & CA Total Bal
UTTAR PRADESH 10204 7738371.24 1355 2099828.45 11559 9838200
WEST BENGAL 7529 9166702.99 557 440269.85 8086 9606973
BIHAR 7090 6554235.46 728 1473604.45 7818 8027840
ASSAM 4495 3976555.23 451 389315.85 4946 4365871
MADHYA PRADESH 1491 1129704.21 140 164317.12 1631 1294021
JHARKHAND 1140 1992404.63 77 78317.4 1217 2070722
MAHARASHTRA 1137 1250174.72 276 231408.89 1413 1481584
ODISHA 1079 615055.99 88 17899.41 1167 632955.4
DELHI 695 874994.07 173 170623.99 868 1045618
RAJASTHAN 664 789827.32 55 107363.71 719 897191
GUJARAT 585 491206.62 162 240345.62 747 731552.2
CHATTISGARH 256 76943.73 37 84325.35 293 161269.1
ANDHRA PRADESH 243 197284.34 14 2283.63 257 199568
HARYANA 188 112066.96 79 76017.97 267 188084.9
TELANGANA 165 41863.39 16 2909.89 181 44773.28
PUNJAB 139 59633.67 36 12597.07 175 72230.74
MANIPUR 123 43482.9 4 1 127 43483.9
KARNATAKA 82 22804.64 53 17836.03 135 40640.67
TRIPURA 57 18815.79 31 15.14 88 18830.93
UTTARAKHAND 46 25196.24 1 0 47 25196.24
TAMIL NADU 42 172584.49 35 12037.4 77 184621.9
CHHATTISGARH 26 881.43 13 11098.9 39 11980.33
HIMACHAL PRADESH 24 68847.87 0 0 24 68847.87
ARUNACHAL PRADESH 20 21864.23 1 10 21 21874.23
NAGALAND 13 19925.44 1 0 14 19925.44
KERALA 13 6308.7 19 11817.4 32 18126.1
MEGHALAYA 13 4630.26 0 0 13 4630.26

9. Accounts & Revenue
Particulars Savings Current Total
Account 28568 4092 32660
Balance 29504111.76 7341828.6 36845940.3
Zero balance Ac's 13931 1616 15547
Non-Zero balance Ac's 14637 2476 17113
Avg Balance 2015 2965 2153
Account Type 1 to 500 501 to 5000 > 5001
Zero
balance
Savings 10406 3021 1210 13931
Current 1713 446 317 1616
Collection LTD
Particular GL Count Amount
Account Opening 302110051 26371 21,47,640.33
Affiliation 302210019 1658 1,19,17,076.85
5 Rs. Collection 106812 534060
Debit Card Issued 1862 558552
Total 136703 15157329.18

10. State Wise Subsidy FY- 22-23
Row Labels
Sum of DAPSC
Sanctions
UTTAR PRADESH 6880.5467
DELHI 6169.3372
MAHARASHTRA 5605.3334
MADHYA PRADESH 5142.0167
KARNATAKA 4771.1937
BIHAR 4295.7504
WEST BENGAL 3781.8867
TAMIL NADU 3614.7965
RAJASTHAN 3436.702
ODISHA 3223.7219
TELANGANA 3051.996
GUJARAT 2648.61
ANDHRA PRADESH 2644.0527
CHHATTISGARH 2433.3928
Schemes DAPSC Sanctions
Samagra Shiksha 6460.1595
NATIONAL RURAL EMPLOYMENT
GUARANTEE SCHEME (MGNREGA) CS 5099.9868
PRADHAN MANTRI KISAN SAMMAN NIDHI 4720.2364
Flexible Pool for RCH & Health System
Strengthening, National Health
Programme and national urban health
Mission 4653.3829
SAKSHAM ANGANWADIAND
POSHAN2.0(UMBRELLA ICDS-ANGANWADI
SERVICES POSHAN ABHIYAN SCHME FOR
ADOLESCENT GIRLS NATIONAL CRECHE
SCHEME) 4573.7001
Urea Subsidy-payment for indigenous urea 3796.5047
NATIONAL RURAL LIVELIHOOD MISSION -
CASP(NRLM) 2883.4859
PRADHAN MANTRI AWAS YOJNA 2716.6407
INDIRA GANDHI NATIONAL OLD AGE
PENSION SCHEME (IGNOAPS) 1379.1787
https://e-utthaan.gov.in/report/scheme-
wise-summary value-CR

11. Assumptions Saving Accounts
Particular Accounts Revenue/Account Total Revenue
Month on Month Accounts 4025 50 201250
Minor Account 1200 30 36000
Form 60 1000 30 30000
Aadhar Seeding 400 150 60000
MGNREGA 4500 30 135000
Insta KIT 8000 150 1200000
Pradhan Matri Awash 300 75 22500
Other Subsidy 1200 75 90000
Total 20625 590 1774750

12. Controls
1. Data analysis is done on U3 failures ( Bio matric data mismatch) ,Error 16 (Risk thresh hold limit
exceeded).
2. We have disabled the platform for all agents between 10 pm to 6 am
3. AePS service for the time being is getting activated to the CSPs post 7 days of onboarding.
4. All dormant CSPs beyond 6 months have been deactivated.
5. Re-KYC is getting initiated on Sample basis.

13. Onboarding Criteria
Controlling Officers
Minimum 2 Years of
experience
Graduation (regular)
Good
Communications
skill
Experience in
distribution Channel
Own home
Distributor
 Must have shop/office
 KYC
 AML
 Video KYC
 Registered Adhar
Mobile Number
 Must have own
network
 CO/CBC Visits
Distributor office/shop
Master Distributor
 Must have
shop/office
 KYC
 AML
 Video KYC
 Registered Adhar
Mobile Number
 Must have own
network
 CO/CBC Visits MDS
office/shop
Agents
 Must have
shop/office
 KYC
 AML
 Video KYC
 Registered Adhar
Mobile Number
 CO/CBC/MDS/DS
Visits Agents
office/shop

14. Ask….
Product
(Enablers)
DMT
MATM
Insta Kit
Web version
Minor Accounts
Passbook
CMS
Digital Onboarding
Business
Aggressive
commercials
Model outlets
Quarterly contest
Team engagement
Customer
service
Channel support -
Centralised
Product related
support
Production Issues &
TAT management
Compliance &
Risk
On Site visit
Transaction
monitoring
Potential risk flags
Manpower
Senior Resource - 1
Product - 1
ASMs - 10
Controlling Officers -
50
MIS & Support – 2
Marketing
Branding
Campaigns
Certificates

15. Thank You