Financial Inclusion UT Chandigarh - Bhawna Garg, Special Secretary, Department of Finance, Chandigarh Administration

1. FINANCIAL INCLUSION
UT CHANDIGARH
Bhawna Garg, IAS
Special Secretary Finance, Secretary Social
Welfare and Secretary Food.
e-mail: gargb@nic.in
Slide 1

2.  Population ( 2011 Census): 10,55,450
 Urban population: 97.25%
 Population Growth (2001-2011) : 17.19%
 Literacy Rate (%): 86.05
 Per Capita Income (2012-13) : Rs. 152344
 Sex Ratio (2011): 818 / 1000
 Only one urban local body i.e. MCC .
 No legislature
BASIC STATISTICS OF UT CHANDIGARH
Slide 2

3. OVERVIEW
Financial Inclusion.
Direct Benefit Transfer (DBT).
DBT in Food Grain.
Kerosene Free City.
Slide 3

4. FINANCIAL INCLUSION
“The process of ensuring
access to financial services
and timely and adequate
credit where needed by
vulnerable groups such as
weaker section and low
income groups at an
affordable cost”.
Slide 4

5. PRADHAN MANTRI JAN-DHAN
YOJANA (PMJDY)
222853 bank accounts opened till
31.12.2015, 100% enrollment in UT
Chandigarh.
About 2 lacs Aadhaar seeded accounts.
182414 accounts, Rupay Cards issued as on
31.12.2015, which is 81.85% of the total
accounts opened.
Slide 5

6. SOCIAL SECURITY SCHEMES
(upto 31.12.2015)
Pradhan Mantri Jeevan Jyoti Bima Yojana
(PMJJBY):
 Persons enrolled - 49778.
Pradhan Mantri Suraksha Bima Yojana
(PMSBY):
 Persons enrolled -127389(100%).
Atal Pension Yojana (APY):
 Persons enrolled - 2800.
Slide 6

7. PRADHAN MANTRI MUDRA YOJNA
(PMMY)
This segment mainly consists of non-farm enterprises in
manufacturing, trading and services whose credit needs are
below Rs.10.00 lakh. No. of person enrolled is 9000.The
MUDRA loans have been classified as under:-
Shishu (Loans upto Rs.50000/-)
Kishore (Loans from Rs.50001-Rs.5.00 lacs)
Tarun (Loans above Rs.5.00 lac and upto Rs.10.00 lac)
AWARENESS
Four Financial Centre in different banks.
Rupay Card being issued on campaign mode.
Backward linkage of Bank accounts through UIDAI.
Slide 7

8. DIRECT BENEFIT TRANSFER
Slide 8

9. DIRECT BENEFIT TRANSFER
UNDER UT CHANDIGARH
All payments in respect of the Budget under
Plan and Non Plan is disbursed through
e-transfer in the beneficiaries account
irrespective of salary payment, vender payment
or payment of any nature. This include various
schemes of Plan and expenditure in respect of
Non Plan.
Slide 9

10. THERE ARE 22 CENTRALLY SPONSORED SCHEMES
WHERE DBT THROUGH PFMS/E-TRANSFER.
Department
Name
Name of Scheme Payment Mode
Food & Supply(1)  DBT scheme for food grains. Through PFMS
Education
Department(14)
 Post Matric Scholarship to Minority
Community.
 Merit-cum-Means Scholarship to Minority
Community
 Post Matric Scholarship to disabled
students.
 Pre-Matric Scholarship for SC students
from class 9th
and 10th
.
 Pre-Matric Scholarship for OBC students
from class 1th
to 10th,
 Pre-Matric Scholarship to Minority
Community from class 1th
to 10th
,
 National Scheme of incentive to SC girls of
9th
class for secondary education.
Through PFMS.
Slide 10

11. Department
Name
Name of Scheme Payment Mode
 Post metric for SC students.
 Post metric for OBC students.
 UT merit scholarship.
 Free Education to meritorious SC
students.
 Free Education to meritorious OBC
students
 Attendance scholarship to girls students
from 1st
to 5th
class.
 Attendance scholarship to SC/ST students
from 1st
to 8th
class.
By NPCI portal
-do-
By e-transfer.
-do-
-do-
-do-
-do-
Slide 11

12. Department
Name
Name of Scheme Payment Mode
Department of
Social Welfare (7)
 Indira Gandhi National Old Age Pension
Scheme (IGNOAPS-NSAP)
 Indira Gandhi National Widow Pension
Scheme (IGNWPS-NSAP)
 Indira Gandhi National Disabled Pension
Scheme (IGNDPS-NSAP)
 Indira Gandhi Matritive Sahyog Yojana
(IGMSY)
 Old age pension (STATE)
 Widow pension (STATE)
 Disabled pension (STATE)
Under process
through PFMS.
-do-
-do-
-do-
By e-transfer
-do-
-do-
Health Department
(1)
 Janani Surkasha Yojana Through PFMS
Slide 12

13. DIRECT BENEFIT TRANSFER (DBT)
SCHEME IN FOOD GRAINS
Till date, a total of 43,273 households identified to
avail the benefits.
Subsidy amount transfer (average basis) Rs. 1.75 Cr./
per month through the Society’s Bank account in
Aadhaar enabled bank accounts of eligible
beneficiaries.
Subsequent additions in no. of eligible beneficiaries
done on monthly basis.
Slide 13

14. In Sept, 2015 Chandigarh became the 1st
State/Union Territory to implement DBT
Scheme for foodgrains.
In Feb, 2014 Chandigarh became the 1st
Union
Territory to implement NFSA, 2013.
2 categories of households:
i) Priority Household (PH)
ii) Antyodaya Anna Yojana (AAY)
 Enrolment of eligible beneficiaries done as per
standard guidelines through Sampark Centres.
Subsidy wheat @ Rs.16.125; Rice @ Rs.23.125.
Slide 14

15. Approx. 1200 NSS volunteers assigned work for the
following purpose:-
Awareness of the Scheme.
Assistance for Application form.
Handholding.
Survey.
Assistance for operation of Bank Account including
confirmation of withdrawal of subsidy amount.
Slide 15
CONTRIBUTION BY NSS VOLUNTEERS

16. Making Chandigarh–
“a Kerosene Free City”
Slide 16

17. PM ANNOUNCEMENT AT GLOBAL
BUSINESS SUMMIT, NEW DELHI
29TH
JAN. 2016
Slide 17

18. SUBSIDISED KEROSENE OIL (SKO)
In 2014, 68,000 beneficiaries availed 888
KL/quarter through 7 depots.
3 extensive surveys carried out (Aadhaar LPG
data of OMCs collected and matched with the
Aadhaar data of SKO beneficiaries).
Jan – Mar 2016 : SKO quota lifted 276 KL
against allocation of 780 KL for 17,000
beneficiaries. Saving 2.45 Cr. per annum.
Slide 18

19. STRATEGY AHEAD
3092 BPL families offered free LPG connection under CSR by
OMCs.
Sample survey of APL families reveals 80% using LPG.
Financing Scheme for taking LPG connection with 0% interest for
March-April, 2016 (Open for all). Recovery shall be made by
OMCs from subsidy amount of re-fill of Cylinder and to be
transferred to Govt. account.
Intensive awareness campaign.
White Kerosene - freed regulatory control over storage,
transportation and sale of kerosene sold outside of the public
distribution system (PDS)
Chandigarh will be Kerosene free city by 31st
March, 2016
Slide 19

20. Bhawna Garg,
Special Secretary Finance,
Secretary Social Welfare and
Secretary Food .
e-mail: gargb@nic.in
Slide 20