HON’ UNION MINISTER OF ELECTRONICS & IT and Law & Justice SHRI RAVI SHANKAR PRASAD INAUGURATED A Digital Seva Kendras (CSC):Delivering Aadhaar services – A Unique Initiative - July 8, 2016 - New Delhi

CSCs are main actors of digital revolution in India, says Hon’ Minister.

New Delhi, July 8, 2016: Hailing the achievements of Village Level Entrepreneurs (VLEs) in extending various e-services and access to technology to villages and rural areas of the country, Hon’ Minister for Electronics & IT and Law & Justice, shri Ravi Shankar Prasad said, “India was inching towards a digital revolution and the CSCs are the main actors of this development”. 
While opening a day-long National Conference on ‘Digital Seva Kendras (CSC): Delivering Aadhaar services – A Unique Initiative’ here today in the presence of over 2000 VLEs, he announced a slew of measures to take the CSC movement forward in the country.
The Conference marked the Common Services Centers’ achievement of emerging as the single largest UIDAI Registrar in the country this year. This achievement assumes special significance in the face of contributions made by VLEs across regions and communities.
Expressing the need for skilled persons to carry out repair of mobiles and small electronic appliances in villages, the Hon’ Minister said “skilling centres that provide courses in mechanical repair will be set up in CSCs across the country”. 
The Hon’ Minister also announced that the Mudra Loan from Bank of India (BoI) will be disbursed through CSCs across the country. He further said that discussions would be carried out with the Department of Financial Services to provide Mudra Loans of other banks through CSCs.
Quoting the example of Balrampur district in Chhattisgarh where the optical fibre has reached all the villages, the Hon’ Minster said 2.5 lakh villages across the country would be connected with optical fibre in a similar manner. He exhorted the VLEs to become Internet Service Providers as CSC had now received the license for providing Internet across the country.

The Hon’ Minister also launched key services like Aadhaar Seeding, Birth Registration through Aadhaar and Aadhaar as a Catalyst for Financial Inclusion.
Minister of State for Electronics & IT, Shri P.P. Choudhary delivered the special address on the occasion. He said, the CSCs were today delivering 300 services. CSCs have the potential to provide thousands of services and “this can change the face of our country”. He added, “Through Digital India, we can achieve Skill India and once we move ahead, we can achieve Make in India.”
Giving the keynote address, Secretary, DeitY, Dr. Aruna Sharma termed CSCs as the foundation on which Digital India is based. She asked the VLEs to “pledge not to leave behind any child through Aadhaar enrolment”. 
The Conference also explored innovative strategies for delivering Aadhaar-based services to citizens, especially the marginalized communities, for making India a digitally empowered nation through two technical sessions on ‘Opportunities in Seeding of Aadhaar’ and ‘Innovative Uses of Aadhaar’.
The Hon’ Minister also gave away awards to some VLEs from all over the country for their excellent performance in Aadhaar enrolment and other Aadhaar services.
A short film and launch of a publication on Aadhaar services through CSCs marked the occasion.





Hon’ Minister terms the VLEs as flag bearers of the Digital India movement.

About 2,500 Village Level Entrepreneurs (VLEs) from Bihar gathered in Patna to celebrate the struggles and success in creating a new wave in rural entrepreneurship and citizen empowerment through Digital Sewa Vasudha Kendras or Common Services Centers in the State.
The conference was inaugurated by Hon’ Minister for Communications & IT Shri Ravi Shankar Prasad and attended by senior BJP leaders of the State, namely, Leader of Opposition in the Bihar Legislative Council Shri Sushil Kumar Modi; MLA, Digha Shri Sanjeev Chaurasiya; MLA, Bankipur Shri Nitin Navin; and MLA, Kumhrar Shri. Arun Kr. Sinha.
The Hon’ Minister launched some key services for Bihar and rest of the country during the event. The services include:

  1. Electricity Bill Collection through CSC network in North & South Bihar: CSCs in Bihar will be able use the Apna CSC portal to collect electricity bill payment using the e-Wallet.
  2. Wi-fi village in Bihar: CSC would enable the first wi-fi village in Beldarichak, Bihar. The Internet service will be free of cost for first 20 minutes and charged thereafter.
  3. 1st Jan Aushadhi Retail and Distribution centre in Bihar: Availability of affordable medicine for rural India by VLE Society in Muzaffarpur. This will ease the logistics problem faced by many VLEs working as Jan Aushadhi retailers, by getting them access to generic medicine stock easily.
  4. E-Commerce portal ‘VLE Bazaar’ for rural products: To boost the local culture and handicrafts, CSC is launching an e-commerce service platform ‘VLE Bazaar’. This is first of its kind e-Commerce website with authentic rural products sourced directly from rural India. Bihar will initiate the selling of Madhubani art through this portal.
  5. Preparing a skilled youth force for employment: CSC SPV has entered into a unique agreement with L&T for developing skilled workforce through structured training on Construction Vocational Training (CVT).
  6. Bharat Bill Payment Operating Unit (BBPOU): The Reserve Bank of India has accorded license to CSC SPV for functioning as Bharat Bill Payment Operating Unit (BBPOU) across India. It's a common utility bill‎ payment platform pan India for consumers to access as one-stop shop to pay various utility bills.

The Hon’ Minister appreciated the efforts of the enterprising VLEs in bringing grassroots change by adopting ICTs under CSC scheme. He said the VLEs are the flag bearers of the Digital India movement across the country.

The Hon’ Minister cited the example of an NDLM beneficiary Smt. Satamma Devi, a bidi worker, who enrolled for digital literacy training as an indication of the transformation that India is undergoing. He added that if people have the resolve, they can bring a change in our country. 
Addressing the gathering, Leader of Opposition, Bihar Legislative Council Shri Sushil Kumar Modi said the Vasudha Kendras, as CSCs are known in Bihar, have become one of the largest instruments of generating rural employment in Bihar, under the patronage of the Hon’ Minister.
The Hon’ Minister launched a publication depicting the milestones achieved by CSCs in Bihar. 15 VLEs were awarded for their outstanding performance in various services while one CSC VLE Society from Muzaffarpur got an award for receiving first Jan Aushadhi distributorship in Bihar.



In the first ever celebration at a National level about the role of women in harnessing the opportunity provided by the Common Service Centers (CSC) under Government of India’s Digital India Initiative, over 2000 CSC Village Level Entrepreneurs (VLEs) from across the country gathered for the National Conference of CSC Women Village Level Entrepreneurs (VLEs) held in the national capital on 20th February 2016. The conference organized by CSC e-Governance Services India Ltd.  (CSC SPV). It was inaugurated and presided by Hon’ble Union Minister of Communications and IT Shri Ravi Shankar Prasad.

The event took special significance as it provided a platform for women entrepreneurs at village level to share their experiences of offering e-Governance services and spreading Digital Literacy in their community and furthering the mandate of Digital India. The event was marked by the unveiling of a photo-story book that presents 100 stories of women VLEs and a short film – ‘Bharat Ko Badalney Waley’ depicting the empowerment and change in the life of these women and their communities.

The Siri Fort Auditorium with women VLEs representing all the states accompanied by families and children to witness the celebration reflected a unique vibrant and energizing canvass reflecting the silent revolution taking place in Rural India.

The program witnessed the participation of woman from villages across the country. The approximate representation of States was:

  • North Eastern states -50, Southern  States–250
  • Madhya Pradesh, Maharashtra, CHG -140
  • Punjab Haryana Delhi Rajasthan – 200
  • UP, Bihar Jharkhand – 500
  • Others –800




Hon’ Union Minister of Communications and IT Shri Ravi Shankar Prasad inaugurated a national-level Conference on: ग्रामीण उद्यममता की तरफ़ एक नई पहऱ "E-Commerce Services: Enhancing Rural Entrepreneurship through CSCs“ on December 5, 2015 at Scope Complex, New Delhi. This is an initiative by CSC e-Governance Services India Ltd. (CSC-SPV) to create a platform to enhance rural entrepreneurship through CSCs.

CSC SPV in association with e-Commerce partners is enabling sale, purchase and last mile delivery network to offer a level playing field in logistics for rural markets. The aim of this conference is to bring all stakeholders on a common platform to discuss, deliberate and share best practices and take e-commerce and logistic services to rural India.

The conference was attended by senior officers from Department of Electronics & IT and Department of Post. In a recently signed MoU, CSC and Department of Posts have joined hands to enable last mile delivery of services through Post Offices and CSCs.

The event received tremendous response from the e-Commerce industry. Major Indian e-Commerce , logistics and payment solution companies such as Snapdeal, Intel, Infibeam, Connect India, Paytm, PayU India, 1mg, Pumpkart, Kisan eStore, were present. They further conveyed their full support to CSCs. Nearly 500 Village Level Entrepreneurs of CSCs from across the country also attended the event.

Speaking on the occasion, Hon’ Minister coined the term ‘Bharat Ko Badalne Wale’ for VLEs. He spoke about the existing services offered under CSCs and exhorted the VLEs to use the platform for the progress of the nation. He expressed the hope that CSCs would play a major role in the Digital India revolution. Hon’ Minister said he is thankful to the e-commerce players who are extending their services through the CSCs to rural citizen and hoped that they continue to collaborate in this unique venture. He urged them to look at this effort as a venture to bring quality products and services to rural citizens. He further added that the e-commerce companies can take advantage of the wide network of CSCs to fill in the gap for e-commerce companies to reach out to Tier 3 & 4 towns and rural areas of the country.

CSCs on their part can help the rural citizens buy from e-commerce websites with assistance in payment and online browsing. This collaboration will help CSCs boost their income, at the same time allow online retailers to reach out to customer base in Tier 3 & 4 towns, he added. It will further boost growth and employment for the rural youth. Hon’ Minister announced his full support for such an initiative as it will bring about innovation and empowerment of the underprivileged. He added that the CSCs will play a critical role in this endeavour and urged the VLEs, participating in this conference, to rise up to the occasion and fully support this initiative. He said that he has interacted with some of the VLEs from various States and firmly believes that they can make full use of this service and extend the benefit to the people living in rural areas. Addressing the workshop, Secretary, DeitY, Shri J S Deepak said today CSC are outposts for the e-governance programme and have has emerged as an institution providing various services to rural and remote areas of the country. He specifically mentioned the agreement reached with the Department of Posts to reach out to remote areas which are still not services by CSCs. He added that today’s platform will provide us a forum for deliberation on enhancing rural entrepreneurship through CSCs leveraging on the e-commerce platform as well as evolve a roadmap for future actions.

Smt. Kavery Banerjee, Secretary, Posts said that the Indian government’s ambitious Digital India project and the modernization of India Post will also support the e-Commerce sector. India Post has till date transacted business worth Rs. 280 crore in the cash-on-delivery (CoD) segment for firms such as Flipkart, Snapdeal and Amazon.

Shri Dinesh Tyagi, CEO, CSC SPV welcomed all the distinguished guests and e-commerce partners at today’s event. He said the VLEs are highly committed individuals who will take this venture forward and be active participants in the revolution that is unfolding at each and every village. Pawan Kaul, Head of Operations, Snapdeal said he was very happy to be part of this initiative to facilitate e-commerce services through CSCs across rural India and provide channels for access to quality products. Sandep Aurora, Head of Marketing, Intel spoke about the unique initiative with CSC where CSCs will be enabled as assembling and sale points for computing devices. Special training would be provided to VLEs as part of this venture, he added. Connect India CEO L R Sridhar spoke about the tie-up with CSC SPV where the CSCs are being leveraged as delivery channels for shipments of Amazon.

Representatives of other e-commerce companies like Paytm, Pay U Money, Infibeam, Pumpkart, Kisan e-Store, 1Mg, etc expressed their happiness at being part of this innovative initiative and pledged their support to provide their platform to CSCs.

The programme was attended by nearly 600 Village Level Entrepreneurs (VLEs), many of whom are delivering last mile delivery service across the country through CSCs. On the occasion, a booklet on E-Commerce Services - Enhancing Rural Entrepreneurship through CSC’s was also launched by the Hon’ Minister.

  " e-Commerce & Logistics Event Report - 2015 "

Hon'ble Minister's speech at "E-Commerce Services: Enhancing Rural Entrepreneurship through CSCs“ - New Delhi

Honourable Minister Sh. Ravi Shankar Prasad inaugurated SEHAT - Social Endeavour in Healthcare and Telemedicine on August 25, 2015 - India Habitat Center, Delhi


Hon'ble Minister's speech at SEHAT - New Delhi

Hon’ble Union Minister of Communication and IT, Shri. Ravi Shankar Prasad inaugurated a National Level Conference on "SEHAT"- Social Endeavour in Healthcare and Telemedicine – a Telemedicine initiative in association with Apollo Tele- Health Services (ATHS)' on August 25, 2015 at Stein Auditorium, India Habitat Center, New Delhi.This is an initiative by CSC e-Governance Services India Ltd. (CSC-SPV). The workshop was organized to showcase the initiatives taken to provide access to quality healthcare to rural and remote areas of India under Digital India. Tele-medicine services are being provided through Common Services Centers (CSCs) in collaboration with Apollo Tele Health Services (ATHS).

Speaking at the occasion, Hon’ble Minister said that he is thankful to Apollo team of doctors who are extending the services through the CSCs to rural citizen and hoped that they continue to collaborate in this unique venture . He urged them to look at this effort mainly as a social venture in bringing affordable good quality health care services to rural citizen. He further added that the CSCs will also provide diagnostic services and promote sale of generic drugs through collaboration with Ministry of Health by setting up of the Jan Aasudhi Stores. With the availability of tele consultation, diagnostic facilities and generic drugs stores, the extension of affordable and quality health care to the citizen especially in rural India will be re-defined. He hoped that this will become a game changer not only for India but also exemplary for other countries across the globe and added that it shall be able to brand this initiative as an “Indian Model “ for addressing the issues of health care in the world. He said that from Government side he is fully supportive of such initiative which bring about innovation and empowerment of the underprivileged.

Hon’ble Minsiter further said that in this endeavour CSCs will play a very critical role and urged that the VLEs who are participating in this workshop will rise to the occasion and fully support in this initiative . He said that he has interacted with some of the women VLEs from Various states and firmly believe that they can make full use of this service and extend the benefit to women who get mostly neglected in rural areas .

During the workshop Shri Dinesh Tyagi, CEO, CSC SPV informed that a total of 6000 CSCs are being used across the Country for Telemedicine service to citizens. Services through CSCs include Telemedicine, Tele-ophthalmology, Tele-homeopathy, Diagnostic services, Awareness building of the rural population and more. This is done by the use of the available robust IT technologies and services available under Common Service Centres. CSC SPV caters to the need for affordable health services for the low income rural population.

Dr P C Reddy, Founder Chairman of Apollo Hospitals Group said that he was very happy to be part of this initiative to facilitate Telemedicine services through CSCs across Rural India and provided channels for access to quality healthcare. He said that through this initiative has enabled tele-consultation services from reputed specialists and doctors to remotest corner of India.

The CSCs will also provide diagnostic services and promote sale of generic drugs through collaboration with Ministry of Health by setting up of the Jan Aasudhi Stores. An MoU was signed between CSC-SPV and Bureau of Pharma Public Sector Undertakings of India (BPPI). Speaking at the occasion Shri M D Sreekumar, CEO Jan Aushadhi Scheme said that with the availability of tele consultation, diagnostic facilities and generic drugs stores, the extension of affordable and quality health care to the citizen especially in rural India will be redefined.

The programme was attended by more than 600 Village Level Entrepreneurs (VLEs) who are delivering telemedicine service across the country through CSCs . On this occasion a Handbook on profiles of 25 Best VLEs delivering Telemedicine from India was also released and felicitation of Top 10 VLEs delivering Telemedicine (Based on Telemedicine transactions) was done by the Honb’le Minister.

Honourable Minister Sh. Ravi Shankar Prasad inaugurated DISHA - Empowering Women through Digital Literacy on August 8, 2015 - BodhGaya, Bihar

Honourable Minister Sh. Ravi Shankar Prasad inaugurated 20 Common Service Centres (CSCs), that will be run by women from Dalit communities.

Hon'ble Minister's speech at DISHA - BodhGaya

Honourable Minister for Communications and Information Technology, Sh. Ravi Shankar Prasad inaugurated the ‘Digital Saksharta Abhiyan (DISHA) – Empowering Women through Digital Literacy’ on Saturday, August 8 at Sambodhi Retreat in Gaya, Bihar. On this occasion Honourable Minister felicitated 10 Dalit women VLEs and distributed 120 tablets to women who passed the NDLM examination. He also distributed 20 laptops to the top 20 women who sat for the NDLM examination.

He urged the women VLEs present in the occasion to put their heart and soul to train and develop Information Communication Technology skills of fellow citizens in their villages and town so that they can interact in the new digital world, and contribute towards making India a digital nation.

The Honourable Minister inaugurated 20 Common Service Centres (CSCs), run exclusively by women from Dalit communities. These women have been chosen from the marginalized communities and trained to run the CSCs as part of the effort by the government to bring citizens from the marginalised communities at the forefront of the digital revolution and lead them on to the path of empowerment. He spoke about the importance of Digital Saksharta Abhiyan. He said, “The Digital India programme seeks to propel India into a new age of digital connectivity and empowerment, weaving together all sections and regions of the country.”

Speaking on the occasion, the Honourable Minister dwelt on the importance of over 100,000 CSCs, working across India, in enabling the mandate of the National e-Governance Plan (NeGP) for delivering government services to citizens at their door steps.

CEO, CSC e-Governance Services India Ltd, Dr. Dinesh Tyagi, Managing Director, Intel India, Ms. Debjani Ghosh, Member of Parliament, Gaya, Sh. Hari Manjhi, Bihar former Chief Minister Mr. Jeetan Ram Manjhi also addressed the event.

DISHA Handbook on ‘Appreciation of Digital Literacy’ and DISHA mobile app, which have been developed by CeGSIL as part of the course content for Level 1 DISHA/NDLM training, were also released on the occasion.

The event was conducted by CSC e-Governance Services India Limited, the NDLM Programme Management Unit implementing the DISHA/NDLM scheme.

First All Women VLE Conference, March 10, 2015

Honourable Minister Sh. Ravi Shankar Prasad inaugurated the First Women VLE Conference

New Delhi, March 10: Honourable Minister Sh. Ravi Shankar Prasad inaugurated the First Women VLE Conference at Scope Complex in New Delhi today. While inaugurating the Conference he mentioned that Women empowerment through ICT especially those living in rural India is an integral component of “Digital India Initiative” of the Government.

He said, “We believe that ICT can provide information, knowledge and skills to women. The women can utilize the same for availing services, enhancing education and setting up of promising enterprise. Digital literacy initiative can play a significant role in enabling the same.

Ensuring women at the fore front of “Digital India” would result in a new social order where women play the role of “Change Agents” in building a society free of caste, creed, colour or gender discrimination. Digitally empowered women especially in rural India, can bring a paradigm shift in encouraging and empowering rural communities.

Honourable Minister emphasized on the need for Government’s vision for a new emerging India where every citizen is empowered, self reliant and secure so that he or she can express his opinion without any fear or favor.

Minister highlighted the Government’s new initiative of JAM – Jandhan, Aadhaar and Mobile for building a new India where citizens are empowered to access Government services. He emphasized the need for enabling every person to have mobile and all Government services to be delivered in the format so that Prime Minister’s vision of providing Government into the hands of every citizen is fulfilled.

Minister also requested the women VLEs to support the Government initiative of ‘Beti Bachao Beti Padhoa’ across the Country. He was delighted to see the confidence of the women entrepreneurs from various parts of the country and believed that they can play the role of a new India.

Minister mentioned the commitment of Government in extending NOFN (National Optical Fibre Network) for 2.5 Lakh Panchayat by end 2016 to address the issue of connectivity and enable delivery of Online education health , e-Commerce and other related services to citizens. Accordingly he mentioned that Government propose to set up alteast 2.5 lakh CSCs - 1 in every Panchayat so that the services can be extended to citizen close to their place of residence.

In order to make the CSC sustainable and create long term business opportunity, Honourable Minister desired that CSCs should be utilized for exploring the emerging potential of e-Commerce in India.

Honourable Minister on the occasion also launched a book ‘CSCs: Empowering Women Entrepreneurs”. The confidence which some of the women VLEs namely Vaijainti Devi from Bihar, Tanuja Raichuria from Chhattisgarh and Kallakuri Katayani from Telangana spoke with and presented their journey with ICT and CSC was appreciated by the Honourable Minister and other dignitaries.

On the occasion, 10 best Women VLEs with highest transactions and wallet top up were felicitated with a Tablet.

The conference was attended by over 200 women VLEs from all the states of the country including VLEs from Leh, Manipur, Arunachal Pradesh, Chhattisgarh and Bihar.

He requested women entrepreneurs to organize themselves as society and set up an effective service delivery structure based on the pattern of ‘Amul’. Such a structure will make the CSCs more vibrant and sustainable. They can also be effective in participating in empowering other women in the village and contribute to the National Agenda of Digital Empowerment. While concluding, the Minister mentioned that his dream is that Digital India initiative should help in training and empowering the poorest of the poor, the Dalit and other deprived sections of the Society in a manner that they are able to manage and operate the Common Service Centres and generate sustainable livelihood opportunities for themselves and their family.

He requested all the women VLEs to fulfill the pledge of making at least 100 people digitally literate by end of 2015. This would help us to create a digitally empowered and enlightened society.

The Conference was also addressed by Shri. R.S Sharma, Secretary, Deity who mentioned that CSC is one of the integral components of Digital India initiative. He also mentioned about the new scheme and opportunities such as digital locker, DISHA, e-Commerce and Pan Card.

Second national level workshop on Financial Inculsion through CSCs - August 27, 2014

Second national level workshop held on FI through CSCs

August 27: CSC SPV organized the Second National Level Workshop on Financial Inclusion on August 27, 2014, where VLEs, SCAs, State Government representatives, Banks, and Insurance companies participated in the workshop. Sh. R S Sharma, (Secretary, Deity) Dr. Gurdial Singh Sandhu, (Secretary,DFS) Sh. R V Verma, (Officiating Chairman, PFRDA) Dr. Dinesh k Tyagi, (CEO, CSC SPV) Dr. Rajendra Kumar, (Joint Secretary, Deity) Sh. N N Sinha, (Principal Secretary IT, Jharkhand) Sh. Mohd. Ibrahim Wani, (VP J&K Bank) Sh. V P Jain, (GM PNB) Sh. Abishek Pandit, (Director AISECT) Sh. Kaustubh Dhavse, (Founder & CEO, Network People Services) Dr. P Nandagopal (CEO & MD, India First) Sh. Chandrakant Mishra (EVP Religare) Sh. Mukesh Kumar (ED, HDFC ERGO) Dr. Ajay Verma (Rural Head, Future Generali) Sh. Mohd. Riaz (CEO, Basix) Sh. S Vaideswaran, (Chief Manager, New India Insurance) attended the workshop. Apart from that over 60 VLEs and SCAs attended the workshop

The programme was supported by HDFC Ergo, Bank of Baroda and BASIX.

Sh. G.S. Sandhu, Secretary DFS said on the occasion that, “CSCs are a front end for creating a Digital India.” DFS recently in a meeting held in early August, 2014 suggested all Banks to utilise CSC network for BC work. While congratulating Secretary DeitY, Sh. Sharma for formulating the Scheme of Digital India that will transform the nation in to a connected knowledge economy by taking ICT to the last mile, he said, “Role of CSC is vital as it will be a critical bridge for delivering Pradhan Mantri’s Jan Dhan Yojana Scheme.”

While making the inaugural address at the workshop, Sh. R S Sharma, Secretary, Department of Electronics and Information Technology (DeitY) said, “CSC network would address the issues of accessibility and affordability of financial services to the citizen in rural areas. The use of technology in delivery of financial services must simplify the processes and the life of citizens who do not possess KYC. He said, also mentioned how the technology can be used to reduce the cost and time of service delivery.

As one of the world’s largest, government approved ICT enabled network, and in view of the advantage CSCs enjoy due to their location, accessibility, credibility and availability of ICT infrastructure, CSCs are ideally positioned to strengthen India’s banking scenario, by extending the business correspondent network. The Business Correspondents for different public sector Banks activated across India are presently about 15000 plus and kiosk operating codes allotted are 17000 plus. In the last two years, transactions recorded are about 1.5 crore.

Dr. Dinesh K Tyagi, CEO, CSC SPV in his address, pushed for lead Bank approach instead of service area approach. “Banks insistence on service area approach has resulted in focusing on CSC as a channel for BC activity in disaggregated manner,” he said. For enabling the CSCs to act as front end BC of lead bank in a district can help in achieving the objective of Pradhan Mantri Jan Dhan Yojna Scheme. Dr. Tyagi also asserted that interoperability of banks shall help the BC/CSC in becoming sustainable.

Sh. R V Verma, Chairman, PFRDA mentioned that the CSC can be an effective channel for promoting National Pension Scheme in rural India. He also agreed to simplify the processes for NPS in order to make it affordable and acceptable.

The Workshop brought together Government Departments, regulators and practitioners from Banking, Insurance and Pension sectors, and stakeholders of the CSC Scheme (State Designated Agencies, Service Center Agencies, and Village Level Entrepreneurs) to deliberate on opportunities for increased and effective service delivery.

Sh. N N Sinha, Secretary IT, Jharkhand emphasized on the various streams of revenue generation rendering various G2C Services like Aadhaar Based Services/G2P/B2C for making the CSCs sustainable. He stressed upon in adopting the role of technology while opening up of the bank accounts with integrating the same with Aadhaar bio-metric & demographic information. With regards, to the BC related services he suggested the bankers and policy makers to change the SSA Concept while selecting and recruiting the BC within the villages and feature like interoperability between the banks. He also submitted his request to make a standard training module with the MIS on Commission & account related information which would be visible to all the stakeholders.

Sh. V P Jain, GM FI, PNB started with a concept of viable agent rendering BC work at a village level. According, to him the viability will only come when banks should remit adequate to the BC Agent along with the faster adoption of the technology and disbursement of 2% funds to banks. He also requested DFS & RBI to hike the limits of transactions per day with an Overdraft facility to the BC’s. PNB as a coordinator to IBA (India Banks Association) stressed upon the disbursement of Commission in BC Account directly couple with a permission to access the Account & Transaction related MIS.

Sh. Wani- VP, J&K Bank emphasized upon the Govt. Support in getting the G2P services to be rendered via CSCs. As far as Banking is concerned, he stressed on getting the services to the rural people like providing loan document/Recovery Collection etc which would further enhance the commission of the BC’s and thus the sustainability would come to CSC VLEs.

Sh. Kaustubh Dhavse, Founder & CEO Network People Services said that the technology couple with Financial Literacy to the under privileged would help the BC for further emancipating the BC Work via CSCs. Sh. Abhishek Pandit, Director, AISECT has come up with few ideas wherein he feels that the BC work shall be streamlined with a focus more on the efficiency & thus improves the productivity of the BC Agent. Introduction of Tablet PC with more battery life and easy to carry device shall be the new cornerstone of the Banking work.

Further the representatives of Insurance companies mentioned that the objective of insurance penetration in rural India can be achieved by utilising the CSC network. They requested the VLEs to become Rural Authorized Persons (RAP) and agreed to support in training for various products and services. The CMD of India First mentioned that with the adoption of e-KYC based technology insurance policy can be delivered to the citizen in less than three minutes. CSCs can also help in covering the uncovered number of vehicles for insurance.

Launch of Insurance Through CSCs, Hyderabad, Andhra Pradesh, August 6, 2014

At a live demo organized at the event on ‘Launch of Insurance Through CSCs’ inaugurated by IRDA Chairman, Sh. T.S. Vijayan, VLEs from AP and Telengana made history by becoming the first to deliver Life Insurance on the e-KYC platform and Motor Third Party Insurance through CSCs.

Hyderabad, Aug 6: CSC e-Governance Services India Ltd. celebrated “The launch of Insurance through CSCs” on August 6, 2014 at Hyderabad, Andhra Pradesh. Sh. T.S. Vijayan, Chairman, IRDA inaugurated the occasion as the Chief Guest.

Executives from all the Insurance Companies and some of the VLEs who had cleared the IRDA Insurance RAP Exam in the month of April 2014 and June 2014 were part of the Launch Ceremony.

The launch started with Lamp Lightening ceremony by the Dignitaries – Sh. T.S. Vijayan, Chairman, IRDA, Sh. M. Ramaprasad, Member –Non Life, IRDA and Dr. Dinesh Tyagi, CEO, CSC E-Governances Services India Ltd. followed by the welcome address by Dr. Tyagi.

This was followed by a special address by Sh. T.S. Vijayan, Chairman, IRDA, wherein he expressed his concern about providing insurance /protection to such section of the society who actually needs it and acknowledged the role CSCs can play in fulfilling this objective. He also mentioned that this initiative of e-KYC based Insurance pioneered by CSC SPV would transform the functioning of the Indian Insurance Industry.

The special address by Chairman, IRDA was followed by a Video on the overall CSC Scheme. Thereafter, the dignitaries Sh. T.S. Vijayan, Chairman, IRDA, Sh. M. Ramaprasad, Member – Non Life, IRDA, Dr Dinesh Kr Tyagi, CEO, CSC SPV & Shri Rishi Raj Singh, Principal Officer, CSC SPV launched the Handbook on ”The Launch of Insurance Through CSCs”.

This was followed by presentation of Licences & Biometric Devices by Chairman, IRDA to VLEs who had cleared the IRDA Insurance RAP Exam in the month of April 2014 & June 2014.

Sh. T.S. Vijayan, Chairman, IRDA had also had a Group Photograph clicked with all our VLEs present at the Launch Ceremony.

This was then followed by the first sale of Life insurance on the e-KYC platform by one of the VLE and a “Motor Third Party Insurance” sale of HDFC Ergo General Insurance Co. Ltd. by one of the VLEs of the CSC Network.

This initiative of CSC SPV will drastically change the picture of the Indian Insurance Industry and will help in gaining the confidence of the general public.

Post tea break there was a Panel Discussion which was chaired by Sh. M Ramprasad Member (Non Life), IRDA and following were the panelist from Insurance companies

Shri. K Sanat Kumar, Director & GM, The New India Assurance Co. Ltd.
Dr. P Nandagopal (MD & CEO), IndiaFirst Life Insurance Co. Ltd.
Shri. Ritesh Kumar (MD& CEO), HDFC Ergo General Insurance Co. Ltd.
Shri. V Satya Kumar (ED Micro Insurance), Life Insurance Corporation of India
Shri. Dinesh Tyagi (CEO), CSCE-Governance services India Ltd.

The Panelist shared their views on the role of CSCs as a channel of distribution with respect to Insurance in rural India & their plans related to the CSCs. There was a detailed discussion on penetration of Insurance to the last mile by the panelist and all of them gave their valuable inputs on how this objective of providing insurance to Rural India can be achieved.

Sh. T.S. Vijayan, Chairman, IRDA has asked the Insurers to immediately file unique products of CSC Channel keeping in mind the need of the rural market and has assured that IRDA will approve these products as quickly as possible after reviewing them.

Thereafter, a Question & Answer session was held for the VLEs wherein the questions from the VLEs related the products, processes, future prospects, etc. were answered by the panelists.

At the end of the event, Product Training for the VLEs was conducted by the M/s IndiaFirst Life Insurance Co. Ltd. for their Product “CSC Shubhlabh Plan” & by M/s HDFC Ergo General Insurance Co. Ltd. for their “Motor Third Party Insurance”.

The sale of the products has already started in Andhra Pradesh & Telangana.

Secretary, DeitY addresses VLEs in Ranchi, Jharkhand, July 21, 2014

"Pragya Kendra is the best place for banks to reach most of the villagers," said Sh. R S Sharma.

Ranchi, July 21: Sh. R.S.Sharma, Secretary IT, DeitY, Govt. of India inaugurated a CSC SPV workshop in Ranchi today in presence of Inaugural Session Speakers including Dr. Dinesh Kr. Tyagi, CEO, CSC SPV; Sh. P K Pradhan, AGM, Punjab National Bank, Mr Yatindra Prasad, Deputy Secretary, IT, Jharkhand Govt.; and Mr Jain Bhushan, GM, BOI. Over 200 VLEs attended the workshop.

The Chief Guest Sh. Sharma spoke about using CSC as the front end for financial services delivery as most of the banks are unable to reach the villagers. He said that Pragya Kendra take minimal charges for proving banking services. "Pragya Kendra is the best place for banks to reach most of the villagers," he said. Sh. Sharma informed that the government aims at expanding the national optical fiber network to solve the problem of connectivity. "This is the project (NOFN) worth Rs 25,000 crore which aims to provide broadband services to every doorstep of India," he said.

During his welcome address Dr. Dinesh Kr. Tyagi spoke about Financial Inclusion, Education and UID in rural areas. While talking about Financial inclusion he focused on account opening in banks, insurance i.e. crop insurance, cattle insurance etc and NPS. Dr Tyagi elaborated on the RAP prodcedure i.e. Rural Authorized Person for insurance. And also spoke about education and said that CSC is trying to reach education in most of the villages. He also talked about CSCs providing Aadhaar services to all residents of India.

Mr Yatindra Prasad spoke about status of CSCs in Jharkhand. He said, there are CSCs in all 4562 Panchayat in Jharkhand. E-Nagrik and E-district programs are introduced which are being providing services at the doorstep to all citizens. He said, HRMS “Human Resource Management System” is being used for keeping the records and managing the details of the citizens. He said, "People can use the facilities of RTGS, Pay their electricity bills and passport services under one roof."

Mr Jain Bhushan, General Manager Bank of India told VLEs about doorstep banking such as account opening and bank payments. Mr P.K.Pradhan, AGM Punjab National Bank also spoke about PNB's CSC plans and targets.

The VLEs were given live demo of Tele-health services and e-KYC based Aadhaar card printing.

Workshop on Financial Inclusion through CSCs in Kohima, Nagaland on May 27, 2014.

CSC SPV in association with Department of Information Technology organised a workshop on financial Inclusion through CSCs in Kohima, Nagaland on May 27, 2014.

Kohima, May 27: A workshop was organised in Kohima on May 27 on 'Catalyzing Financial; Inclusion Through CSCs'. The state level workshop saw participation of over 120 people, with over 75 VLEs from Kohima, State IT department, State Finance department, State Rural department, BSNL, District collectors, SCAs, Banks and other financial institutions.

Sh. K.D. Vizo, Commissioner & Secretary,IT&C, Nagaland said during his Welcome Address: IT dept. of Nagaland is closely working on CSC scheme for enabling service delivery at citizens' doorstep. We believe that technology can change lives of people, despite many challenge for us relating to better connectivity, power supply amongst others. We are living in the technology world; we must be aware about use of technology. These changes can bring through awareness and proper literacy in our villagers. This is a good opportunity to all VLE who are attending this workshop. You must carry all information on financial literacy to your villages.

Sh. Bhagwan Patil, COO, CSC e-Governance Services India Ltd. said: CSCs have been incorporated to enable delivery of services.So far we are offering service, PFRDA, NPS, Aadhar, EPIC, Passport, Pan Card, UID etc. focusing on CSC need to deliver all the service at the door step.

Delivering his Keynote Address, Sh. Vizo, Representative of Finance Dept, Nagaland said: Finance dept. is very closely associated with IT dept. Wherever any possibility is there we want to have presence of our dept. VLE should take this opportunity to serve his community by sharing awareness about Financial Inclusion. Banks have to reach out all those blocks which are unbanked. In Nagaland, SLBC meeting had taken decision every month one of the Bank has to do financial awareness program in all district and block.

Workshop on “CSC - The Change Agent For Creating Inclusive India” May 22, 2014 - Agartala, Tripura

State level workshop organized in Tripura

Dr S K Panda, Chief Secretary, Govt. of Tripura, while addressing the workshop highlighted significance of e-governance and stated the objective of the initiative (CSC Scheme) is to ensure delivery of public services to common people in quick and transparent manner.

Agartala, May 22: A State level workshop was organized on “CSC - The Change Agent For Creating Inclusive India” by CSC e-Governance Services India Ltd. Over 100 Village Level Entrepreneurs (VLE), and other stakeholders from various Department attended the workshop.

Opening the forum of diaspora by Shri L N Rokhum, Director, Institutional Finances, GoT focused on creating scalable and sustainable Financial Inclusion (FI) strategies. For effective FI in the State, he said, State Government stressed on expansion of banking service network. Shri Rokhum informed, number of branches of different banks has jumped from 284 in March, 2010 to 425 in March 2014.

Out of this 54% new branches were set up in rural areas whereas 24% and 25% branches opened in urban and semi-urban areas.

In addition to setting up branches, initiatives have been taken to cater banking facilities at the doorstep of rural people through 145 Common Service Center (CSC) under SBI and 582 Customer Service Point (CSP) by UBI, TGB and TSCB, he stated. Apart from setting up of branches and CSCs, Government of Tripura has focused on Financial Literacy Programme to generate awareness amongst people including students about banking services. To reap the benefits of extended banking network and extent of FI, stress has been laid on several livelihoods oriented welfare programme and credit delivery schemes. He informed in details about loans and subsidies disbursed through banks to beneficiaries under Kisaan Credit Card (KCC), SGSY, SJSRY, PMEGP and Swavalamban.

Speaking in detail about various opportunities for VLEs to generate more income Dr D K Tyagi, CEO, CSC e-Governance Services India Ltd said, despite opportunities average transaction by individual VLE stands at only 75 transactions per month. He pointed out that as part of Financial Inclusion banking services, pension and Insurance activities provide great opportunity to enhance VLE’s earning.

Citing example of Andhra Pradesh, Dr Tyagi stated, extra efforts by VLE to open no frills bank accounts will pay great dividend as many rural residents still don’t have bank account. In remote villages where setting up a branch is not viable, Business Correspondence Model through CSCs can be effectively implemented. He informed, 26 PSU banks have agreed to run BC through CSC in the country and in Tripura SBI has accepted all the 145 CSCs of the State as BC. Opportunities have been created for VLEs to sell both life and non-life Insurance products and earn commission through CSCs. However, for getting necessary permission and license aspirant VLE will have to appear and clear an examination. In a similar manner, VLEs can earn commission from several pension schemes like Swablamban.

Apart from spelling out various ways to enhance income, he stated that VLEs can enhance their monthly earning by updating demographic and bio-metric information for Aadhar card from the PEC’s (Permanent Enrollment Centers) and running education centre for school students. Railway ticketing services and passport services etc will be soon be made available through CSCs, he informed.

Dr S K Panda, Chief Secretary, Govt. of Tripura, while addressing the workshop highlighted significance of e-governance and stated the objective of the initiative is to ensure delivery of public services to common people in quick and transparent manner. In addition, State Government is eyeing generate employment by implementing e-governance scheme among the rural youth.

Shri Pramod Pal, Regional Manager, RBO, State Bank of India, Agartala highlighted over the participation of CSCs in the banking transaction services particularly in rural areas. He said banking services through CSCs in Tripura has reached at point from where enthusiastic VLEs can take off to make more business and earn in hefty. He added, SBI has helped CSCs to create a professional ambience and SBI management is serious about raising efficacy of CSCs. To install public faith on CSCs, SBI has put up details of VLEs at corresponding branches and all the CSCs have a display board with contact details of corresponding branch Manager. Taking about SBI’s plan about CSCs, Shri Pal informed, interested VLEs can avail loans upto Rs 20,000 at a concessional rate. To assist the CSC VLEs SBI has appointed facilitator and provided the branches a vehicle so that in case of any emergency concerned facilitator reach the CSC. Asserting on the enhancement of operation by CSC, Shri Pal detailed out that, a total of 82,000 bank accounts have been created through CSC and more than 8.50 lakhs transactions made through CSCs in the State.

Speaking at the workshop Shri N C Sinha, Principal Secretary, Dept of RD informed that State Government has decided to handover the data entry work of MIS to CSCs and this will create additional earning opportunities for CSCs. State administration is looking out several other activities to be handled by CSCs in near future.

Summing up the deliberations of the workshop, Shri P. Agarwal, Special Secretary, Dept. of IT, GoT said, CSCs play a key role in implementing e-governance in the State. He said, in some parts of the State CSCs are facing connectivity problems as only 90 out of total 145 CSC have VSAT connectivity. An urgent initiative to put an end to this is required, he noted. Shri Agarwal added, initiatives have been taken to implement at least 13 numbers of Government-to-Citizen (G2C) services through CSCs in coming days at the earliest.

Discussing about importance of e-governance in health care system Dr. Sukumar Deb mentioned about success of Tele-ophthalmology in the State. Dr. De spelt out there is only 19 Ophthalmologists in Government Hospitals. Eye treatment through Tele-ophthalmology has enabled the State Health Department to overcome the scarcity of Ophthalmologist and helped the rural patients immensely.

Shri P. K. Pattanayak of United India Insurance has discussed about earning potentials of CSCs by selling various insurance products.

Shri T Mag, ADO, RD UIDAI, Guwahati also discussed about role of CSCs in updating information of Aadhar card.

The workshop ended with vote of thanks delivered by Shri Vikas Singh, Director of IT, GoT.

During interaction VLEs shared their views and experiences in running CSCs. One Binoy Biswas of Mohanpur RD Block stated that monthly turnover by CSC run by him was Rs 7 Lakh and income stood at around 9.3% of total turnover. He discussed about several innovative methods he adopted to augment bank transaction etc. A young VLE, Sukanta Chatterjee of Betcherra under Kumarghat RD Block informed his earning stands at around Rs 17,000 per month. He too puts emphasis on FI activities. Smt Indira Majumder of Bishalgarh RD Block and other VLEs too interacted with the experts and talked about their experiences.

Workshop on Financial Inclusion in Itanagar, Arunachal Pradesh & Shimla, Himachal Pradesh

Itanagar, Arunachal Pradesh

Itanagar, April 29: As a part of the series of state level workshops on ‘Catalyzing Financial Inclusion Through CSCs’, CSC SPV has been conducting across India, a workshop was organised in Itanagar on April 29. The state level workshop saw participation of over 80 people, with over 30 VLEs from Arunachal Pradesh; State IT department; State finance department; State Rural development & Panchayat department; SCAs; Banks and other financial institutions.

Sh. Gaken Ete, Secretary IT, Department of Information Technology, Arunachal Pradesh; Sh. Sonam Chombay, IRS, Secretary Finance, Arunachal Pradesh; Sh. BR Babu, Secretary Rural Development and Panchayat, Arunachal Pradesh; Sh. S. De Sarkar. Director, Department of IT; Sh. G Nageswara Rao, ITS, GM, BSNL, Arunachal Prardesh; Sh. S.C Sen, AGM, SBI outreach department and Sh. Bhagwan Patil, COO, CSC SPV were the distinguished speakers at the workshop

Sh. Bhagwan Patil welcomed all participants and said that in order to become effective change agents CSCs need to be authorized and represent all departments as front-end for delivery of various government and private services. Addition of services such as business correspondent for banks, Insurance, LIC services have added significant value not only in terms of more services, more transactions, increased monthly income but also wider acceptability of CSCs by the rural people across the country.

Sh. Gaken Ete, IAS, Secretary IT, Arunachal Pradesh in his Welcome address laid focus on ongoing implementation of CSCs across Arunachal Pradesh. He mentioned about the reach of CSCs and benefits of services delivered to public through CSC project.

Sh. S. De Sarkar, Director, Dept. Of IT laid focus on enabling CSCs with banking services. He also added that if CSC becomes BC then citizen will not have to travel from one place to another. VLE will deliver services at their doorstep. He also raised we need to make people aware about the services delivered through CSCs.

Mr. BR Babu, Secretary Rural Development and Panchayat, Arunachal Pradesh laid focus on need to observe the state closely. Bankers can make use of this opportunity, he said as these CSCs are already delivering services. These CSCs are one stop shop for all services. He added CSCs generate business for youngsters in Arunchal Pradesh.

Sh. Sonam Chombay, IRS, Secretary Finance, Arunachal Pradesh welcomed all participants and informed about the recent status of Financial Inclusion. He said there is lot of work that still needs to be done. He raised the VLE concern on power and said this need to be taken as a core area which needs to be shorted out. He also added how to deliver more financial inclusion service in rural area. He praised the NABARD model of MP and said the same can be adapted in Arunachal Pradesh also.

Sh. S.C Sen, AGM, SBI emphasise on converting CSCs in BC to maximise the reach of services to people. He explained the benefits of becoming a business correspondent to VLEs.

Sh. G Nageswara Rao, ITS, GM, BSNL, Arunachal Prardesh informed VLE that BSNL would do its best to take connectivity up to last mile in the state. He also ensured VLE that there connectivity problem will be resolved.

Shimla, Himachal workshop

A CSC Awareness State level awareness workshop was organized in Shimla, Himachal Pradesh on May 5, 2014. Over 30 VLEs from areas in and around Shimla participated at the event. Some VLEs came from as far as Kinnaur.

The discussion ranged from delivery of electricity and water bill payment collection services through Apna portal wallet to Banking, to PECs, education, insurance, pension, skill, passport, PAN and all other services available on APNA portal. VLEs showed keen interest in NIOS service asking for detailed procedures on how SPV can help them get that.

All VLEs understood the importance of pension service and benefits it can offer them. Under FI service, other than pension, except a few who already are engaged with UCO Bank, Bank of India and PNB, all the VLEs are interested in becoming BCs. Can we ask PNB or BOB to follow up VLEs who did not have OMT IDs were given the same by state LMK person on the spot. At the workshop, CSC SPV enabled wallet creation of VLEs who did not have it, following which some of them topped up too.

A presentation by Apollo was made at the workshop which excited VLEs about the telemedicine service through CSCs. A video conference with a doctor was organised. All the VLEs displayed interest to offer telemedicine at the earliest.

SBI life guy informed VLEs about the RAP/Insurance and its benefits. Himachal VLEs promised to do their Pension, Passport and RAP registration.


Catalyzing Financial Inclusion through CSCs in Maharashtra, March 12, 2014

Mumbai, March 12: CSC e-Governance Services India limited organized the 16th State level workshop in Mumbai, Maharashtra in association with Bank of Baroda, IDBI, LIC and BASIX as Gold Sponsors and CMS and L&T as Silver Sponsors and Axis Bank as Supporting Partner.

The workshop was aimed to abreast the VLEs with the latest offering and partnerships forged under CSC umbrella and connect them to key decision-makers via sessions designed on key products that are being offered at the Centres. The platform also gave an opportunity for banks, insurance companies, government departments to connect with the vibrant VLE community and exchange ideas and share their issues and challenges. The government services and Aadhaar enrollments have been a major success in the state. The workshop aimed to achieve the following:  

  • Understand the opportunities for delivering financial services through CSC Network in Maharashtra
  • Improve the delivery channels in the state
  • Reach rural Maharashtra through CSCs
  • Explore new frontiers for delivering banking and insurance services through CSCs across the state

Under Government of India's Common Services Centers (CSCs) programme, over 1, 28,000 CSCs have been setup across the country. CSC e-Governance Services India Limited is the programme management agency of the scheme. Maharashtra has close to 30,000 CSC and a strong workforce of dynamic VLEs community mapped across the state.

Inaugural Session

The workshop began with a powerful orientation session on ‘Scope of Financial Services through CSC Network in Maharashtra’ that had eminent speakers introduce the business proposition and viability strategies that are embedded in the financial products and government services. The topics of banking products and services, government services and insurance services were discussed in the session. .

The concept of ‘CSC Ecosystem and Financial Inclusion’ was elaborated by Dr Dinesh Tyagi, CEO,and CSC SPV as he opened the many opportunities that VLEs and banks can explore in partnership. He said that, “Financial Inclusion is important from a banking perspective as 40 percent of the country does not have a bank account. Although banks have tried many models and experiments to reach the last mile, as the movement was driven by the RBI, the project like others when was initiated by the government mandate ran the risk of ownership and long-term sustainability.We saw the strong network of Banking Correspondents (BCs) sprawl out across the country as a result of the Financial Inclusion mandate given to banks, however when we did a study on their long-term viability, we found that 40 percent were functional and BC as a standalone was not financially viable.” Sharing his insights on thinking out of the box, he said,“Rural India is a difficult business proposition. The key to success in Financial Inclusion depends on the approach of the banks and view the BC model from a business proposition rather than taking a target-oriented approach with respect to target of population and number of villages. The value of account related incomes is limited however there is huge potential. A suggestion that may help the multiple parties operating under the BC model for multiple banks in a particular state can be addressed if we can approach the system by appointment one BC for all the CSCs in one state that has the mandate for all the districts, this will simplify processes and management of operation to a great extent. This model is active in Himachal Pradesh, Rajasthan and Jharkhand. This will only strengthen the relationship of the VLEs with the bank and then can benefit the business and sustainable in the long run. He emphasized on the role of VLEs as business agents and not liability. He said,” VLE can also be looked as asset and extend many of the banking products and services to the target population that will empower the VLE and also give bank revenue from new markets and increase penetration of their brand and products. BC can also be looked as a resource by the state government for their direct benefit transfer scheme to disburse entitlements. Our objective is to connect every CSC with the BC and serve every community, and enable government to achieve the larger goal of financial inclusion. One person in every family should have a bank account across India.”

The recent path-breaking partnership with IRDA was also mentioned by Dr Tygai as the new phase of products channels that will reach the CSCs across in India. Insurance penetration is very low in India. The agent-service model followed by the insurance companies, although much larger than the CSCs strength as of today, has had limited success more so in rural areas. Dr Tyagi suggested, “If the insurance companies want to deliver these products in rural India, they have to deliver it through alternate channels. We have been fortunate to have the support of IRDA for CSC programmes, and it has now formulated guidelines only for CSCs to offer insurance products and services. This is the first time in India that such customized procedures and guidelines have been formulated for CSC and the CSC-VLE will work like a broker for insurance products.” Innovative products are in pipeline and work has already started in many VLEs as life of farmer, cattle etc is very important for a village community as customized products will drive the future success of this partnership. He encouraged the state VLEs to make the most of the new opportunity in the insurance sector.

‘Use of Technology for Financial Inclusion’ was discussed byShri Rajesh Aggarwal, Principal Secretary IT, and GOMandcongratulated the exemplary worked done by the VLEs in the state. Giving a glimpse of the future, he said that with most services now being offered online, there would not be many footfalls for online services in coming years as most people would be using their mobile or Internet instead of coming down to CSC. Thus new business opportunities will need to be explored such as mobile recharge, banking services, Aadhaar-based services, and bill payments of electricity, ticketing, DTH payments, and pension remittances, students as customers, insurance products and many more. He suggested that VLEs should transform their role to mobile Banking Correspondent (BCs) going forward and explore business opportunities in banking and financial services that is beyond opening bank accounts.” He applauded the entrepreneur spirit of VLEs and said CSC VLE should think of themselves as ‘Proud Village Level Businessmen’ and not limit their dreams as asmall time entrepreneur offering government services.

‘Enabling Financial Services in Maharashtra’was elaborated by Shri S. S. Sandhu, Principal Secretary, Panchayat Raj & Rural Development, GoM. Heexplained the progress of SANGRAM Kendra (Online Computerized Centres) that is the flagship programme for rural outreach and working on similar objectives as the CSC. He informed that these deep rooted networksare established as one Kendra at every gram Panchayats across the state. He further informed that the state government has envisaged 10,000 Financial Inclusion centres under this SANGRAM Kendra with IT infrastructure, electricity and trained manpower. He hinted on some overlaps and competition that may arise due to similar area of operations with CSC. On an optimistic note he said that many more G2C services need to reach to rural Maharashtra and collaboration with CSC the delivery channel with only benefit the village community.

Shri MG Varghsee Vaidyan, Chief General Manager, State Bank of India delivered his talk on ‘Enabling Banking Services in Rural India’. A banker involved in CSC campaign from the time of its launch back in 2006 and also closely associated with Direct Benefit Transfer scheme, he has the seen the growth of CSC and Financial Inclusion in India over the years. With experience of Africa and Middle East, he says that India has the best Financial Inclusion model in the world that is best fit for its needs. He adds, “Rural economy is very vibrant and brimming with potential. He said CSCs are actually 2 lakh customer service points created by the government and VLEs are the owners of these centres. These CSC villages are waiting eagerly for popular products and services to be accessible to them, catching their needs and addressing the supply gap will ensure a business case and viability for VLEs.” Speaking on the potential of Financial Inclusion he said that today his banks gains 3,000 crore deposits from BC channel alone. The services of agriculture loans, insurance, payments of bills can only expand their profit margins to the next level. Education services are another untapped potential that can offer footfall and regular income streams for VLEs.

Shri. Kishor Kharat, General Manager, Bank of Baroda deliberated on the ‘Business Opportunity in Financial Inclusion’. He said entrepreneurship in rural India will change in future and CSCs will play a dominant role in igniting the rural economy. Banking services will give more footfalls to the VLEs. The trend is evident as Bank of Baroda itself has scaled up deposits from BCs which were 200 crore in 2011-12 to 609 crore worth transactions in 2013-14. Thus the business potential is there to explore. The need of the hour is to gain customer insights, design innovative customized products and give excellent customer service to the village community. It is estimated that if 50 percent of the unbanked population when banked will result in 24 percent rise in GDP of the country. He said the financial processes take time to establish, and entrepreneurial success does not come at once. Patience from the bankers as well as VLEs is important to nurture the financial services delivery channel in CSCs. The CSCs in future will be mini super-markets that will also offer financial services.

Shri. Satya Kumar, Executive Director –Micro Insurance, LIC said that IRDA has invited customized products to be designed and delivered for CSC-SPV – a unique initiative that will drive new products into the rural markets via CSC channel. Of the 37 crore transaction that LIC did 37 percent came from alternate channels. CSC has the power of reach and accessibility; VLEs have an advantage to have footfalls and access to village customers that can be tapped for insurance products. With new products customized for CSC SPV, VLEs pose a huge potential to sell clubbed products based on customer needs. We will also need to keep a close watch on the claims settlement. Trust in the brand is the key to success of any insurance products and LIC has had the goodwill to claim the leader in insurance sector in India.

‘Making lives simpler: CSC Business Made Simple’ a special presentation was delivered by Shri Joydeeep Roy, CEO, L&T. He sketched the need and importance for a participatory approach in leveraging the implementation of financial inclusion. He opined that India requires financial inclusion, wherein such initiatives bring with it a security of life, money and assets. Appreciating the efforts by CSC e-Governance Services India Ltd, he highlighted the establishment of 1, 28,000 CSC across the country as a worthy initiative towards financial inclusion. He emphasized on telecommunications and shift in erstwhile networking technologies like cloud computing as the key contributors in moulding financial inclusion on simplistic pathways. However, the main concern, as per Mr. Roy, is to address the huge disparity on the availability of technical options, which is being faced in the rural and urban areas. He suggested the VLEs to focus on ‘Customer Service’ as a paramount area, without which financial inclusion might remain as a myth.

Panel Discussion 1: Aadhaar: A Step close to Achieving Goals of Financial Inclusion

The panel discussion was on Aadhaar being a catalyst of growth for government services, banking services, citizen-centric services as VLEs can now avail easy identification and authentication mechanism to deliver more services from CSCs. The speakers included Shri Sumnesh Joshi, Assistant Director General, UIDAI, Mohammad Riyaz, COO, BASIX, Shri Shubhankar Sengupta, VP-New Business and COO, Tata AIA Life Insurance Co Ltd and Mr. Vishwanath Divya, Senior Manager - Business Development (Rural & Social), IDBI Federal Life Insurance Co Ltd

Shri Sumnesh Joshi, Assistant Director General, UIDAI, said that Aadhaarhas achieved excellent success in Maharashtra due to the active engagement and performance of VLEs across the state. To ensure faster services, UIDAI has now offered e-Aadhaar that is valid proof until the final card arrives at his residence. VLEs should issue e-Aadhaar as eKYC that is accepted by the banks and insurance companies. As many payment and government services such as pension, scholarships and subsidies will ride on Aadhaar authentication, the future set of services will rise for VLEs and open new areas of business augmentation.

Shri Shubhankar Sengupta, VP-New Business and COO, Tata AIA Life Insurance Co Ltd shared his insights on role of Aadhaar and eKYC that has also been agreed by IRDA as a proof of identity and proof of address. Thus documentation process that is required by us is fulfilled by just sending us these details. The format is electronic thus it makes the process faster. The most important step is to gain a license as selling financial services is serious business. He suggested VLEs to become wrap agents soon. Banking and Insurance are attractive services for customer engagement and with exclusive powers given by IRDA to CSC such as printing of policy. VLEs as BC is the most powerful future role.

Mohammad Riyaz, COO, BASIX congratulated and said that VLEs have been the building blocks in India development by giving identity cards to close to 7 crore Indians- an activity never done before in any other country. Opening bank accounts for village people is important but the next step is to ensure transactions are regular so that he is active customer of services. With new banking services, payment services and insurance offerings, VLEs should expand their bouquet of business opportunities.

Mr. Vishwanath Divya, Senior Manager - Business Development (Rural & Social), IDBI Federal Life Insurance Co Ltd focused on the need for financial literacy as a vital catalyst for the success of financial inclusion. According to Mr. Divya, technology is on a constant pace of evolution, however, an acute need prevails to spread awareness among the masses over the benefits of utilizing financial services. He applauded the implementation of Aadhaar as a beneficiary approach, which has resulted in curbing the time and cost involved generation of identity proofs. He also recommended the VLEs to focus upon the distinct business prospects available in utilizing platforms like CSCs.

Panel Discussion 2: Essentials for delivering insurance through CSCs

The panel discussion on essentials for delivering insurance through CSCs involved eminent speakers involving Mr. RD Singh, Joint Director (Non-life) IRDA, Mr. Kshtish Mohanty, National Head, L&T Insurance, Mr. Kaustubh Dhavse, CEO, Spanco Ltd and Mr. Mehmood Mansoori, Head – IT & Customer Experience Management, HDFC ERGO

Mr. R D Singh informed the gathered VLEs from distinct areas on the importance and need for gaining licenses for executing services. He advised the VLEs to enroll for the Insurance RAP training and examinations, which can transform and qualify the VLEs to solicit insurance policies with their respective clients on behalf of the insurance companies. Applauding the initiatives by CSC Mr. Singh also suggested the VLEs to utilize such platforms in executing and selling different financial products and services to the masses – like mobile recharges, insurance policies, Aadhaar enrollments etc. He also addressed the concerns raised by VLEs over the insurance claim settlements.

According to Mr K Sanath Kumar, Director & General Manager, The New India Assurance Co Ltd, CSC is an exciting platform for implementing financial inclusion initiatives. Foreseeing the prospects withheld by such initiatives, he said, “The potential of CSCs in delivering financial services to the unbanked population is immense and commendable and these are the areas where a VLE can penetrate into the market.”

Simplistic approach and affordability are the crucial aspects to be focused while offering insurance products to the masses, said Mr. Kshtish Mohanty. According to him the products need to be simple and can be more effective if made available at affordable margins. In addition, he also focused on the requirement to identify apt product pricing and delivering modes as the need of clients differ as per the area’s distinctiveness.

A considerably distinct approach was put forth by Mr. Kaustubh Dhavse, wherein he emphasized on the need for a systematic approach from the government, financial bodies and VLEs in enhancing the reach of financial inclusion. Reviewing the prevalent situation being witnessed in India, he further added that, “The problems faced by rural consumers are no different than the ones in urban areas; however difference is witnessed mainly in the quality of life,” echoed Mr. Dhavse. Hence, according to Mr. Dhavse, the focus needs to be upon improving this quality of life, wherein financial literacy plays a critical role. Stressing on the importance of financial literacy he suggested the VLEs in utilizing CSCs as an effective platform in enhancing the reach of financial services to the customers.

Concluding the panel discussion, Mr. Mehmood Mansoori stated CSCs as the country’s heart beat and emphasized on the need for utilization of effective technologies. He outlined the potentials of technology in creating simplistic yet productive platforms in leveraging the financial services. He also suggested VLEs in adopting and using platforms like CSCs as tools for empowerment and moulds themselves as per the pace of technologies. The process as per Mr. Mansoori can lead the country’s VLEs to emerge as skilled professionals in educating their respective customers over the benefits of financial products and services.

Panel 3 – CSCs: Building a Robust India through social and financial inclusion

The panel discussed new opportunities in financial services for VLEs and included speakers from Mr. J S Upadhayaya, Deputy General Manager Financial Inclusion Department, NABARD; Mr. VL Joshi, Deputy General Manager, IDBI Bank; Mr. R B Gupta, General Manager, Central Bank of India, Mr.Joshi, Mr. Milind Mungale, Sr Vice President IT, NSDL e-Governance Infrastructure Ltd

The panel over CSCs on building a robust India through social and financial inclusion emphasized on the potential of VLEs in playing a pivotal role in the financial inclusion initiatives. Mr. VL Joshi, Deputy General Manager, IDBI stated VLEs as the driving engines of financial inclusion He further suggested the VLEs to generate awareness and educate their potential respective consumers, located at remote or unbanked areas, about the need and benefits of opening bank accounts for gaining a qualitative life.

Adding to the suggestions put forth by Mr. Joshi, Mr. Milind Mungale, Sr Vice President IT, NSDL e-Governance Infrastructure Ltd opined that VLEs while are the engines driving financial inclusion, technology is the fuel to drive the financial ecosystem. Sharing a distinct approach, he focused upon the need towards maintenance and awareness of distinct technologies being made available for the VLEs. He advised the VLEs to gain apt information about the technologies to avoid mishandling and misuse of the available services.

Mr. R B Gupta, General Manager, Central Bank of India stressed on analyzing the quality of VLEs in delivering their responsibilities. Supporting the effectively trained VLEs, he emphasized on the need to fill the vacuum of financial literacy and maintenance of financial implementation. He recommended the practice of adopting effective training services to the VLEs.

On the other hand Mr Raj Raipancholia AVP HDFC Life focused on a three core topics while detailing the potentials of CSCs in building a robust India. He suggested the availability of right product at right time and utilization of effective CSC platforms as the future success pillars of initiatives like financial inclusion activities. Applauding the potentials of VLEs in exploring the unbanked market, he also expressed VLEs as the main pillars of productive CSC platforms.

Mr. J S Upadhayaya, Deputy General Manager Financial Inclusion Department, NABARD, threw light upon the distinct measures adopted by NABARD in leveraging the operational scope of VLEs and CSC platforms. He informed that the rural and agricultural development bank will be soon extending financial inclusion funds to even block level segments, wherein VLEs are expected to play a critical role in enhancing the participation among common masses. He also informed the VLEs about the potentials and benefits of services like RuPay Kisan Credit Cards. Mr Upadhayaya while concluding his suggestions also asked the banking representatives to come forward in lending a helping hand towards training VLEs for effective implementation of financial inclusion services.

Panel 4: Vision FI 2020: Key Focus Areas in Financial Inclusion (Challenges & Way Forward)

The one day informative workshop involving eminent speakers from government bodies, banks, insurance companies and other financial institutions ended with a most interactive session on foreseeing the future of financial inclusion activities in India. The session also witnessed active participation from VLEs in raising their queries and concerns to the panelists in resolving the prevalent uncertainties and initial hiccups faced.

One amongst the key speakers, Mr. L M Deshmukh, Deputy General Manager SLBC, Bank of Maharashtra, while actively addressing the concerns of VLEs highlighted the evolving BCs as sustainable financial model. He suggested the gathered VLEs to utilize CSC as an active platform in seeking distinct business opportunities. A slew of initiatives like Aadhaar card enrollments, opening bank accounts, sale of insurance products and services, follow-ups over consumer repayments etc were highlighted by Mr. Deshmukh as potential business prospects for the VLEs in the future years. He also put forth his suggestion before CSC e-Governance Service India Ltd in appointing a uniform monitoring authority to track the daily work-update of VLEs to avoid uncertainties over work execution. He also advised the VLEs to enforce themselves and transform themselves from a mere account opening agents to active financial executives, resulting towards a change in the mindset and approach of bank managers.

Mr. Arvind Lohi, Assistant General Manager Bank of Baroda, proposed the VLEs to enforce themselves in creating a confidence mark among the customer base. He also outlined the need for effective co-ordination between banks, technology providers and VLEs in achieving the desired outputs through platforms like CSCs. He suggested the VLEs to maintain a patient approach towards the adoption of evolving technologies like CSCs. Addressing the concerns raised by VLEs, he said, “CSC is an evolving concept and might face hiccups at the initial stage. However, the system once rooted, enjoys immense business potential.”

The benefits and potentials of Aadhaar, being evolved as an identity proof was detailed by Mr. Prashant Singh, Assistant Director General, UIDAI. However accepting the certain operational hurdles and initial hiccups being faced in Aadhaar enrollments, Mr. Singh remained confident over the potentials of the evolving technologies like CSCs in overcoming the hurdles. Availability of apt infrastructure, technical facilities and awareness among the rural population were outlined by Mr. Singh as few among the major hiccups being faced in Aadhaar enrollments. Foreseeing the futuristic prospects, Mr. Singh emphasized on Aadhaar to evolve as a cost-effective platform, especially among the rural population.

Concluding the session, Mr. Prashant Datta, National Head – Financial Inclusion, CMS Computers focused upon the impact of technology upon the daily life of mankind. According to Mr. Prashant technology has today generated a virtual world, wherein networking is established through advanced connectivity routes. He also stressed on the need to adapt and evolve as per the dynamic consumer behavior which is supplemented with a rapid technical evolution. He suggested the VLEs to uphold ‘Trust Building’ in customers as a critical aspect for ensuring the effectiveness of platforms like CSCs.

SPV conducts FI workshop in Meghalaya, February 28, 2014

16th State level workshop was organised at Shillong, Meghalaya on February 28. , 2014 focused on 'Catalyzing Financial Inclusion through CSCs'

Workshop participants:

Dr. Dinesh Kumar Tyagi, CEO, CSC SPV

Sh. D. P. Wahlang, IAS, Commissioner & Secretary of IT Department, Govenment of Meghalaya

Sh. Pankaj Jain, Commissioner & Secretary of Planning, Govenment of Meghalaya

Sh. Anup Kaul, Cheif Advisor, BASIX

Sh. M.T. Wankhede, GM, NABARD

Sh. D. Talukdar, GM, MCAB

Sh. T. Dkhair, SIO-NIC & Senior Technical Director, Government of Meghalaya

Sh. Pratha Pratim Roy, LIC

SH. Joshua L, State head, BASIX

Sh. S. C. Sain AGM, Outreach, SBI

Sh. A. Chakraborty, AM, RBI

Sh. Kapil Sibal launches e-Inclusion project at a CSC SPV event, December 24, 2013

Union MInister of Communications and Information Technology, Sh. Kapil Sibal launched the e-Inclusion project of Department of Electronics and Information Technology. The project targets to empower 45,000 SC/ST/and Women in the rural India with information and communication tools.

Figure 1: Union Minister of Communications and Information Technology, Sh. Kapil Sibal lighting the lamp at CSC SPV event along with other – (from extreme left) Sh. Rajiv Gauba, Additional Secretary, DeitY; Sh. J Satyanarayana, Secretary, DeitY, Dr. Dinesh Kumar Tyagi, CEO, CSC SPV (behind) and Dr. Ajay Kumar, Joint Secretary, DeitY

New Delhi, Dec 24: The Department of Electronics and Information Technology (DeitY), Ministry of Communications & Information Technology, launched the ‘E-Inclusion: IT Training for Rural SC/ ST/ Women Beneficiaries’ Project here today. Shri Kapil Sibal, Minister of Communications & IT, formally launched the Project by releasing the Handbook titled ‘E-Literacy: Towards Empowering Rural India’ containing profiles of 50 beneficiaries who have successfully undertaken the basic IT training programme under the E-Inclusion project.

Shri Sibal also felicitated ten beneficiaries by distributing certificates to them on the successful completion of the programme. Around 100 beneficiaries, which included young boys, girls and women, including the Village Level Entrepreneurs (VLEs) attended the event from the states of Chhattisgarh, Madhya Pradesh, Odisha and West Bengal.

The Project is part of the Government of India’s initiative under the National e-Governance Plan (NeGP) for creating a transparent and accountable governance model for enabling service delivery at the doorstep of citizens. To achieve this mission, DeitY has setup over 100,000 Common Services Centers (CSCs) on a Public-Private-Partnership (PPP) model. CSCs are the front-end delivery points for government, private and social sector services to the citizens of India.

Shri Kapil Sibal mentioned that Digital Literacy is an enabler for empowering communities and providing them real freedom. The Government initiative for making one person in every family e-Literate is a step in that direction.

He said, “This is in fact a revolution for enabling citizen’s participation in nation building. By making the girls and boys in rural India to become digitally literate, the Government is achieving the objective of empowering and enabling them to acquire information, knowledge and skills. This would also help in enhancing the employability of these young men and women. Besides this, this will go a long way in bridging the digital divide.”

He suggested that in this task we should also involve States, industry associations such as NASSCOM, NGOs and other stakeholders. He also mentioned various government projects that are in the pipeline like the National Optical Fibre Network (NOFN), Aakash 4.0, etc. He was hopeful that NOFN will enable delivery of health, education, agriculture and other services in a seamless manner at the doorsteps of the citizens.

Shri J. Satyanarayana, Secretary, DeitY, on this occasion mentioned that India stands at third position globally in the field of ICT. He spoke about the various dimensions of E-Inclusion – Digital Literacy, Financial Inclusion, E-Governance, E-Livelihoods and how to mainstream physically disabled into the digital movement. He stated that Government is actively considering to provide e-Literacy to 10,00,000 (10 lakh) men and women living in rural India at a cost of Rs. 100 crore. The CSCs will be utilized to achieve this target. This would cover one block in every State and one individual in every family will be made e-Literate.

Shri Rajiv Gauba, Additional Secretary, DeitY, GoI highlighted the e-Literacy programme initiative of DeitY and its implementation framework. Talking about digital literacy, he said that to bridge the gap between rich and poor in the country, e-Literacy of rural community is very crucial and the E-Inclusion project will pave the way for a bright and e-Literate society.

Dr. Ajay Kumar, Joint Secretary, DeitY, GoI spoke about the E-Inclusion project and said that it is a mission of the department to reach out to 10 lakh beneficiaries through this project.

Figure 2: Distingushed Speakers of the Inaugural Session - (from left) Dr. Dinesh Kumar Tyagi, Sh. Rajiv Gauba, Sh. Kapil Sibal, and Sh. J Satyanarayana

Figure 3: Inaugural Speakers launching a book profiling the top 50 e-Inclusion beneficaries who took their NIELIT examination

Figure 4: A beneficary being felicitated by Union Minister Sh. Kapil Sibal

Figure 5: Sh Kapil Sibal launches the projects while talking about the benefits of digital literacy to rural population

Figure 6: Sh. J Satyanarayana, Secretary, DeitY points out how the e-Inclusion projects will take ICT tools to the masses

SPV conducts National workshop on Healthcare through CSCs, November 13, 2013

New Delhi, Nov 13: On November 13, 2013, CSC e-Governance Services India Ltd (CSC SPV) organised a one-day workshop on ‘CSCs: Delivering Healthcare to Rural India’ in collaboration with Apollo Hospitals and Media Lab Asia.

The workshop is a part of series of workshops that CSC SPV is conducting at the National Level to create awareness about delivery of various services though the CSC network. The one-day workshop focused on leveraging over 1.27 lakh ICT-enabled CSC network for providing healthcare services to the rural masses effectively. The workshop witnessed the participation of government dignitaries, health care professionals, service centre agencies, and village level entrepreneurs. Sh. Manoj Jhalani, Joint Secretary, Ministry of Health & Family Welfare; Sh. Anil Swarup, Additional Secretary, Cabinet Secretariat; Dr. Ajay Kumar, Joint Secretary, DeitY, Ministry of Information Technology; Ms. Sangita Reddy, Executive Director, Apollo Hospital Group; Dr. G V Ramaraju, Managing Director, Media Lab Asia, and Dr Dinesh Kumar Tyagi, CEO, CSC SPV were part of the Inaugural Session.

At the workshop two MoUs were also signed - between - CSC SPV and Apollo Tele Health Services and CSC SPV and Medanta - The Medicity. With these agreements, the CSCs can provide tele-consultations to rural citizens with the backend support from Apollo and Medanta.

Dr. Dinesh Tyagi welcomed the participants and explained the agenda of the workshop—extending healthcare through the CSCs - opportunities and challenges. He informed that currently Village Level Entrepreneurs (VLEs) are offering financial services, education services, Aadhar services, election services, health and agriculture services. CSCs are also providing telemedicine and teleophthalmology services in partnership with Apollo, Medanta, Venu Eye Institute, and Media Lab Asia.

Speaking about the use of CSCs for providing healthcare services, Dr. Ajay Kumar, Joint Secretary, Department of Electronics and Information Technology (DeitY) mentioned that like e-commerce did not pick up initially but now it has been widely accepted, telemedicine for rural India as an alternative for delivery of healthcare is to stabilize and evolve into a widely acceptable business model. So, there is a need to develop trust and acceptance among the people for making telemedicine a success, and evolve a model that can be replicable and sustainable. There is also a need of developing cost effective medical equipments for wider use to make the healthcare affordable. He also mentioned about comparative cost of the digital hearing aids being developed by DeitY and referred to need for similar initiatives.

Sh. Manoj Jhalani, Joint Secretary, Ministry of Health and Family Welfare in his special address stated that National Rural Healthcare Mission works on the same goal as that of CSC. He mentioned that CSCs seem to have the potential to provide Anytime Medi Care in rural India and a potential collaboration can make this a reality.

Sh. Anil Swarup, Additional Secretary, Cabinet Secretariat, GoI delivered the keynote address sharing the lessons learnt from Rashtriya Swastha Bima Yojana (RSBY). He mentioned that the CSCs can be utilized in extending the healthcare service delivery in rural India. He stated that the success of healthcare services depend on its political acceptance; technological support; social desirability and setting up a connect with the people. Ability to reach out to the beneficiary is the real challenge for the success of healthcare through ICT and CSC SPV need to design unique communication model to address such issues of wider acceptability within the community.

Ms. Sangita Reddy, Executive Director, Apollo Hospital stated that Apollo’s Rural Connect initiative began 14 years ago. During her address, she stated that healthcare growth rate is more than 12% as compared to GDP of 4-5% of the country. There has been a paradigm shift of providing health care from hospital to home. Sh. GV Ramaraju, MD, Media Lab Asia stressed the need to provide basic healthcare equipments to CSCs to promote healthcare services in rural India. He also informed about the agreement signed between Media Lab Asia and CSC SPV to provide equipments at minimal costs to CSCs for promoting healthcare.

CSC SPV also released the book on ‘Healthcare to Rural India – Role of CSCs’. The book talks about promising healthcare to all through CSCs and successful initiatives in telemedicine. Dr Tyagi concluded the Inaugural session by thanking all speakers and launching of tele-ophthalmology services in two CSCs with the partnership of Venu Eye Institute.

Three more sessions followed after the Inaugural Session. Areas discussed in depth – ‘CSCs an Enabler for Use of ICT Initiatives in Healthcare’, ‘Innovative Technologies for Rural Healthcare Through CSCs’ and ‘Essentials of Training for Delivering Healthcare Effectively’.

Figure 1: Session on "CSCs as an Enabler of Healthcare services to Rural India'. The session was chaired by Dr. S Ramakrishnan, Former DG, CDAC (in the middle). From Left- Prof KK Deepak, AIIMs; co-chair Dr Ganapathy, President, Apollo Telemedicine

Figure 2: Session on Innovative Technologies. From left- Sh. Pankaj Sahni, COO, Medanta; Sh. Mohammad Riaz, CEO, BASIX; Dr Tyagi; Dr. Anand Krishnan, Community Medicine, AIIMs; Dr. S C Gupta, Director, Venu Eye Care

Figure 3: Session on Essentials of Training. From Left: Sh. Vishal Mane, Senior Research Scientist, Media Lab Asia; Sh.Vikram Thaploo, CEO, Apollo; Sh.N K Dhamija, Deputy Commissioner (training), Ministry of Health and Family Welfare; and Sh. Park Soo Jin, International Marketing, Mico BioMed Ltd.

Figure 4: A full house at the workshop @ Gulmohar Hall, India Habitat Center, New Delhi, November 13, 2013

CSC Financial Inclusion Workshop Bhopal, September 26, 2013 & Chhattisgarh, September 27, 2013

Dr. Dinesh Kumar Tyagi, CEO, CSC SPV while addressing the participants at the Bhopal workshop said that the “CSC scheme is not a project but a movement.”He said, “It is important that Banks take financial inclusion through BC as a business target and not a social one. On the other hand, VLEs too need to stay put as the stabilisation process may take some more time. He said, “At present we call it financial inclusion through CSCs, but should refer to it by using the term it as ‘Distributed Branch Network’ program, so that the mindsets of Banks change. With this, we are sure that CSCs will be fulcrum of change”.

Mr. L K Tiwari, Additional Chief General Manager, in his address said, “The CSC Scheme not only provided the opportunity for employment for the VLEs at the village level but also provided the G2C and B2C services for the rural masses at their doorstep.

Mr. P D Potnis, GM, Bank of Baroda explained that VLEs need to be true entrepreneurs with an attitude to sustain in case of any adversity. CSCs are acting as an extended hand for the bank as they are providing financial services where Banks do not have a branch.”

Mr. Siddharth Chaturvedi, Director, AISECT, focused on the status of FI work being done through CSCs in the state. He emphasised on the need to properly monitor and review for Scheme for improved results.

Mr. Deepak Kumar, GM, NABARD, said that CSCs can not only provide the financial services but can also be a better platform for spreading financial literacy to the rural mass. He said, “NABARD has huge funds for financial literacy program and CSCs can be engaged for this project.”

Figure 1: Dr Tyagi addressing participants at the Bhopal workshop

Figure 2: Sh. L K Tiwari making a point at the workshop

Figure 3: Sh. Potnis points out on the need to train and sensitize bank staff as well as VLEs

Figure 4: Sh. Chaturvedi highlights MP's case as an example for the rest of the country

Figure 5: Sh. Kumar said CSCs need to be used to spread financial literacy

Figure 6: Distinguished speakers of the Inaugural Session

Chhattisgarh workshop at a glance

Dr Dinesh Tyagi along with dignitaries from CEO CHiPS Mr. A M Parial, GM RBI Mr. Nirmal Chand, DGM NABARD Mr Subramaniyan, Convenor SLBC Mrs Rashmi Prasad, CMD AISECT Mr Santosh Choubey, Zonal Head AISECT Mr Shailesh Pandey, DGM BOB Mr Birendra Kumar, DGM BOM Mr P J Mishra, DGM Dena Bank Mr Satish Shah, AGM NABARD Mr D Majumdar, Director AISECT Mr Abhishek Pandit, CM SLBC Mr Anil Shukla, CM SBI Mr K K Jain, CM Union Bank Mr Dutta, DGM IDBI Mr Rath, CM PNB Mr Firoz Khan, DGM Vijaya Bank Mr Pradhan , Delegates from CHiPS and more than 60 VLEs participated in the workshop. Besides there are two online Kiosk Banks were set up for demonstration of PNB Kiosk Banking and SBI Kiosk Banking.

Delivering the Inaugural Address Dr Dinesh Tyagi, CEO CSC SPV, emphasized the fact that “The design of the CSC Scheme was never aimed at creating government outlets where VLEs would be paid fixed salary or government identity cards for his/her recognition. A lot depends on the ability of the VLEs to run a viable and sustainable business model clubbed with his desire to serve his community by gaining their confidence.”

He also said that there are successful VLEs who have created employment opportunities for 6 to 7 rural youths. So there is a huge opportunity that one lakh centers in this country can provide employment to another seven lakh youths.

His message for the VLEs was clear: “Banking services through CSCs are becoming good opportunity and that VLEs need to keep good relationship with Bank branch managers. this will slowly but steadily lead to our mission of converting all 1.23 lakh CSCs as Bank BCs across the country.”

Delivering the keynote address Mr. A M Parial, CEO CHiPS, threw light on the present status of the CSCs in the state of Chhattishgarh and emphasized that CSCs are best placed to deliver the banking services where it will be a win- win situation for VLEs and bankers. He also talked about overcoming challenges like 50% of the geographic area is covered by forest region, 13 districts are affected from left wing extremism among other things.

Mr. Nirmal Chand, GM, RBI directed to all banks to give special emphasis to solve the difficulties faced by all CSCs at the field level.

Speaking on the occasion, NABARD DGM emphasized the need for financial literacy for all the stakeholders including all bank managers stationed at field level. He suggested this kind of workshop needs to be organized at all District levels.

Mr Santosh Choubey, CMD, AISECT shared his experience of banking services through CSCs and noted that banks have created opportunities for rural youth with less education who can now earn a good amount through kiosk banking. He also urged Banks to revise the commission structure time to time to make these services sustainable.

Mrs Rashmi Parasad, Convenor, SLBC emphasized that all the banks should look at their financial inclusion target and mandate as a business opportunity, and it is everyone’s responsibility to make kiosks viable and sustainable.

A panel discussion was held on challenges of financial inclusion and the way forward. VLEs asked several questions on the issues they faced while operating at the ground level. The workshop closed with a vote of thanks by Mr Shailesh Pandey, Zonal head, AISECT.

Snapshots of the event:


CSC Financial Inclusion Workshop Ahmedabad, 6 August, 2013

A need to form a committee for enabling faster implementation of the Financial Inclusion program was one of the key recommendations

Ahmedabad, Aug 6: CSC SPV organized the Ahmedabad workshop on ‘Catalyzing Financial inclusion Through CSCs’ on August 6, 2013. This was part of the series of workshops CSC SPV has been conducting across the country on financial inclusion through CSCs. The workshop at Ahmedabad was chaired by Sh. Poonamchand Parmar, Principal Secretary, Panchayat and Rural Development, Govt. of Gujarat and Dr. Dinesh Tyagi, CEO, CSC SPV.

The workshop was organized in association with Dena Bank, the lead Bank in Gujarat. Participant Banks were State Bank of India, Bank of India, Dena Bank, Punjab National Bank, Indian Oversea Bank, NABARD, Kotak Mahindra Bank, ICICI Bank and HDFC Bank.

While addressing all distinguished guest and participants, Dr Tyagi talked about CSC SPV’s role, vision and mission. Dr. Tyagi shared the success story of CSCs and VLEs of different states, while stressing on the importance of financial inclusion services in the bouquet of services CSCs are offering. He said, “Serving the rural citizens by leveraging banking activities through eGram, is the need of the hour”.

Sh. Parmar in his inaugural address highlighted the importance of having similar facilities in rural areas as in urban area. He pointed out that the Gujarat’s 13685 villages are currently are well connected through VSAT. Sh. Parmar also mentioned the current IT bandwidth of eGram is being revised from 22-37 mbps to 72 mbps from Oct 1, 2013. He said that the banks must consider all 13685 centers as BC for financial Inclusion program.

More significantly, Sh. Parmar offered valuable support to all banks and CSC SPV to use video conferencing through eGram NOC and SATCOM in order to address VCEs and villagers to move ahead in implementing the FI Program in the state.

The inaugural session was followed by a panel discussion where Mr. Vyas, AGM, Dena Bank spoke about agriculture business through financial inclusion and banking activity. He shared the performance of few BCs who were earning upto Rs 20000 pm. To take the initiative of FI forward he assured the forum continued support for implementing the program at district level.

Mr. Vyas mentioned that Dena Bank will speed up the activity of BC appointment of eGram VCEs and generation of KO codes. He mentioned such workshop will help all banks to share their common experiences.
Mr. SP Yadav from Punjab National Bank shared the Bank’s experiences in the State. PNB has 150 branches and two circle heads in Gujarat. Elaborating on the expansion plan of PNB, he said PNB is coming up with 30 new branches amongst which, four branches are in unbanked areas. He said that, “FI’s technical part is being finalized and that the bank requires the support of CSCs in opening FI centers in urban areas.”

Mrs. Sujata from NABARD highlighted general issues and challenges – such as connectivity and capacity building - faced by banks in carrying out FI activity. She said, NABARD is focused on primarily two main activities as far as enabling Financial Inclusion goes - capacity building through their Financial Literacy programs at grassroot level and technology support.

Dr. Tyagi requested NABARD to support CSC Scheme stakeholders – CSC SPV and SCAs through FI Technology support fund for procuring FPS devices and FI training development.
During the second panel discussion Mr. Dave from Bank of India spoke about the leadership BOI has taken in the Financial Inclusion program. Highlighting the performance of BOI in Gujarat, Mr. Dave shared that average transaction in a month goes upto three crore via FI. He mentioned that many BCs earns upto Rs 15000- Rs 20000 a month where Bank of India provides Rs 3500 + Rs 500 pm (Rent) to BC. BOI provides loan of Rs 10500 for BC activity and Rs 25000 for procuring laptop and devices.

He highlighted that every BC center is visited fortnightly by their supervisors. He said, “We have a unique strategy to address the issues of BC through regular meetings in some villages. Working with eGram will give us an extended arm to penetrate further in the rural areas.”

Mr. Bagora from State Bank of India explained about the policy guidelines about the working of BC. He shared his experience of other state with Gujarat, where others can use the best practices to run the successful BC model.

There were private banks which were represented by Mr. Aman Mehta from Kotak Mahendra Bank) and Mr. Vadrajan (HDFC Bank). Kotak and HDFC at present do not have a kiosk model. While both these Banks have more urban branches, than rural, they shared their intent to move in the rural areas of Gujarat. Sharing their expansion plans, they expressed keenness to work with CSC SPV and eGram.

The workshop served as a platform for CSC Scheme stakeholders to come on one platform to discuss and deliberate various implementation issues. With participation from lead bankers, e-Gram, Rural and Panchayat Department, CSC SPV and other financial institutions, the workshop sure saw some fruitful deliberations.

Key recommendations from the workshop:
  1. A three month action plan needs to be developed by banks/CSC SPV for implementing FI Program in the state of Gujarat.
  2. As part of the proposed plan, there is a need to move aggressively district wise to cover all the eGram centers by the banks and CSC SPV.
  3. Need to form FI implementation committee under the chairmanship of Principal Secretary Panchayat towards faster implementation of the program. Following members to form the implementation committee:
    • CSC SPV
    • eGram
    • Concerned DDO of districts
    • SLBC
    • Other Lead Banks (Bank of India, State Bank of India, Bank of Baroda, Punjab National Bank, other Nationalized lead Banks operating in Gujarat)
    • NABARD
  4. The implementation committee will be required to meet every 15 days under the chairmanship of Panchayat Secretary to share the progress/issues and support required from the government.
  5. NABARD to provide financial support for FI training programs at eGram level for VCE and procurement of Micro ATMs and FPS devices.
  6. Banks need to organize FI Workshops at district level under the guidance of concerned DDOs for focused towards enrollment drive of eGram VCEs. The banks need to organize spot enrollments at FI workshops by collecting their KYC, allotting KO codes and opening of settlement accounts.
  7. FPS devices need to be timely procured and dispatched to eGram as soon as the settlement accounts are opened and KO code is generated.
  8. Panchayat to allow regular VC and SATCOMs for banks and CSC SPV for spreading awareness and addressing VCEs for enrollments and support.
  9. In procurements of Micro ATMs banks need to bear 50% cost and balance to be borne by.
  10. Panchayat to nominate a nodal officer for implementation of FI Program implementation and activity in Gujarat.
  11. Banks required to appoint VCE as BC via eGram by coordinating with CSC SPV and Nodal officer of eGram.
  12. Panchyat is also requested to allocate funds for FI Workshops at district level.
  13. Banks to formulate a team for rural areas to address the FI project implementation in Gujarat.
  14. CSC SPV to provide regular collective report on FI progress status to the panchayat department on regular basis.


CSC Diwas Celebration, 16 July, 2013

CSC Diwas Celebration, 16 july, 2013 Event Report click here to download

CSC Diwas Celebration, Shri J. Satyanarayana, Secretary, DeitY, Speech

CSC Diwas Celebrations - Inaugural Session - Part 3

CSC Diwas Celebration Part - 3


CSC Financial Inclusion Workshop Jaipur, 5 June, 2013

'Key Essentials of enabling FI in Rajasthan' the Jaipur workshop held on June 5, 2013

Discussion on 'Key Essentials of enabling FI in Rajasthan' the Jaipur workshop held on June 5, 2013


CSCs: The Change Agents in Agriculture Service Delivery 3 June 2013

CSC Scheme
Under Government of India's Common Services Centers (CSCs) programme, over 1,00,000 CSCs have been setup across the country. CSC e-Governance Services India Limited is the programme management agency of the scheme.

Why To Attend?
  • Focus on CSCs role to stimulate entrepreneurship, generate employment in agriculture sector
  • Explore the ways on business services and solutions to the agriculture industry tools and services
  • Explore new frontiers of extending crop insurance coverage to rural areas
  • Improve the ways to experiences on agri-business plans, Agri-business surveys and Agri Business Training
  • How to create competitive and attractive market for private investment in agriculture sector

Details On Indian Agriculture
Agriculture in India has a significant history. Today, India ranks second worldwide in farm output. Agriculture and allied sectors like forestry and fisheries accounted for 13.9% of the GDP in 2012, about 60% of the total workforce. The economic contribution of agriculture to India's GDP is steadily declining with the country's broad-based economic growth. Still, agriculture is demographically the broadest economic sector and plays a significant role in the overall socioeconomic fabric of India.

Key Speakers  
Name Designation
Sh. J Satyanarayana Secretary, Department of Electronics and Information Technology, Govt. of India
Dr. Dinesh Tyagi CEO, CSC-SPV
Sh. Sanjeev Gupta Joint Secretary, Ministry of Agriculture & Cooperation
Sh. M. Moni Deputy Director General (Agricultural Informatics), National Informatics Centre, Ministry of Communications & Information Technology
Dr. G.V. Ramaraju MD & CEO, Media Lab Asia
Dr. K.D. Kokate Deputy Director General (Agricultural Extension), Indian Council of Agricultural Research (ICAR)
Dr S Chandra Director, Indian Society of Agribusiness Professionals (ISAP)
Ms. Surabhi Mittal Senior Scientist
Dr. H Chandrasekharan Indian Agricultural Research Institute (IARI)
Dr. C. Karthikeyan Centre for Agricultural and Rural Development Studies, Tamil Nadu Agricultural University
Sh. Rajiv Gauba Additional Secretary, e-Governance Group, Department of Electronics & Information Technology, GOI
Dr. K K Singh DDG, IMD, India
Dr V. P. Sharma Director, IT, National Institute of Agricultural Extension Management
Sh. Vijay Mahajan Founder and Chairman, The BASIX Group
Mr. Anoop Kaul Indian Grameen Services
Banchha Nidhi Pani Panchayats and Rural Housing Department, Ahmedabad
Mr. K N Rao Chief Risk Officer, AIC of India
Shri Sanjeev Chopra Joint Secretary, Ministry of Agriculture & Cooperation, Govt. of India
Sh. Gaurav Dwivedi Director, DeitY
Ms Malivika Dadlani Joint Director, Indian Agricultural Research Institute
Joseph Plappallil J. Chairman-cum-Managing Director, Agriculture Insurance Company of India
Dr. Roshan Jacob DM, Gonda District, UP
Srinivasa Reddy Arikatla Director,
Er. Janardan Prasad Head, AISECT
Rajendra Kumar Joint Secretary (mGov), Department of Electronics & Information Technology, (DeitY), Govt. of India
Prof K.R Srivathsann Former Pro-Vice Chancellor, IGNOU and Mentor of Kisan Kerala
Raju M Patil Former Pro-Vice Chancellor, IGNOU and Mentor of Kisan Kerala
B. V. Natesh Nokia India Private Ltd, Bangalore
Naveen Sharma GM, Agro Division, Network for Information & Computer Technology (NICT)
Dr. T S Anurag Senior Research Scientist, MLAsia

Garnering support from NIC SIOs: Enabling G2C Service Delivery Through CSCs - May 28, 2013

Workshop On CSCs: Transforming India Into a Knowledge Society, February 19, 2013

Workshop Background

In India, telecentres are seen as integrated information and service delivery platforms, run by micro entrepreneurs in villages, towns and cities. Known by different names – Common Services Centers, Village Knowledge Centres (VKC), eChoupals, Community Information Centres (CIC), Agritech Centres, Information Kiosks, Drishtee Kendras, n-Logue Centres, Tarahaat Centres – these information kiosks provide varied information, content and knowledge services to diverse citizen groups. For instance, while the VKCs, run by MS Swaminathan Research Foundation, are providing rural information and content services to villagers, the eChoupals run by the industry group ITC are catering specifically to farmers’ needs in India.

Since 2006, the telecentre movement in India has expanded manifold with the latest Common Services Center (CSC) program, initiated by the Department of Information Technology, Govt. of India. As on October 31, 2012, a total of 96,411 CSCs are operational in 33 States/UTs. More than 70% of the rollout has been completed in 9 (Nine) States (Assam, Bihar, Chhattisgarh, Himachal Pradesh, Jharkhand, Maharashtra, Punjab, Uttaranchal and West Bengal). Interestingly, as mentioned above, CSCs are to provide a bouquet of services consisting of both B2C and G2C services in top of other localized services (like payment of insurance premiums and electricity bills), all of which had not necessarily been online services.

According to IAMAI report, CSCs play an important role in providing internet access to the majority. Of the Internet users, 57.7% have used the facilities at a CSC. Most of the internet users access internet at CSCs for receiving educational services. Despite the developments in the Indian context there are still a number of challenges that need to be attended, including providing necessary content for education, literacy, equitable access to vocational courses, enhancing libraries, etc. It requires a bending of the powerful ICTs, which are highly flexible and moldable.

Workshop Objectives

Key objectives of the national workshop identified are:
  • To demonstrate and review some of the educational services provided through CSCs
  • To share views and opportunities on using CSCs for enhancing the adult and digital literacy
  • To explore various opportunities for extending school and higher education services
  • To review the possibilities of making CSCs as vocational training centers

Workshop Themes
  • Inclusion and outreach: CSCs for extending educational services
  • Innovations in strengthening adult and digital literacy programmes
  • Supplementing school and higher education programmes through CSCs
  • CSCs: Exploring new frontiers and creating livelihood opportunities


Realizing Financial Inclusivity Through CSC Dec 6, 2012

CSC SPV's workshop on Financial Inclusion on Dec 6, 2012 had distinguished speakers and delegates come together to discuss operational issues in order to expedite development of a robust, secure and sustainable model for delivery of financial products and services in rural India.

Dec 6, New Delhi: CSC e-Governance Services India Limited (CSC SPV), together with the Department of Electronics and Information Technology (DeitY), organised a half-day work on Financial Inclusion, 'Catalyzing Financial Inclusion through Common Services Centers (CSCs),' which was held in Magnolia Hall, India Habitat Centre, New Delhi, on 06th December, 2012. This workshop brought together more than 100 participants from across the country that included representatives from various financial inclusion service providers, the service center agencies (SCAs), village level entrepreneurs (VLEs), etc. The event included an inaugural session and three thematic sessions.

Access to financial services reduces poverty

Dr. Dinesh Tyagi, Chief Executive Officer, CSC SPV welcomed the participants of the workshop. During his welcome address, Dr. Tyagi said that access to finance; growth; and poverty reduction have a direct correlation. CSCs can play a major role in providing access point for offering financial services across the country. Inclusive financial systems - allowing broad access to financial services, He mentioned that access to financial services will lead to growth, which results in poverty reduction. CSCs can become an agent for inclusive growth and it will be a business oriented approach.

Attending to the challenges and stabilising the CSC network

Speaking about the CSCs, Mr. Rajiv Gauba, Additional Secretary, DeitY, mentioned that CSCs are the Internet enabled front-end service delivery outlets under the National e-Governance Plan (NeGP). More than 96,000 CSCs are functional as of 31st October, 2012. Out of which, 81,000 CSCs have Internet connectivity of various mode. In a given month, more than 1 Crore transaction happen in real-time with a transaction volume of Rs. 245 Crore. This gives bright outlook for the CSCs being used for delivering financial services to the rural citizens. In addition, Mr. Gauba mentioned that CSCs will be used to train 1 individual in every family, as envisaged under the National IT Policy 2012. The pilot e-District programme is a major boost for launching the G2C services across the country. DeitY has launched two more schemes to provide Internet connectivity and solar power backup for CSCs.

While inaugurating the workshop Shri J Satyanarayana, Secretary, Department of Electronics and Information Technology (DeitY) said that CSCs can be used to deliver Government's direct cash transfer scheme to the beneficiaries in rural villages. Direct delivery of cash benefits to the beneficiaries will have huge impact in the lives of rural citizens. CSC network would address the issues of accessibility and affordability of financial services to the citizen in rural areas. Mr. Satyanarayana mentioned that there is sea change in the CSC scheme now. CSCs are becoming a vehicle for social inclusion. He emphasised that to be successful, CSCs should focus on 3Cs - Content, Connectivity and Capacity. It is the VLE's entrepreneurship that will play a vital role in making these centers viable. So, the entrepreneurship skills of the VLEs should be enhanced.

Break-even point is easy in CSC driven BC model

Shri B Sambamurthy, Director - IDRBT, said that the Business Correspondent (BC) model is a more viable approach. The operating cost of running a CSC as BC may be Rs. 95,000 per annum, but the cost of running a Rural Branch of a Bank is Rs. 95,000 per month. So, the breakeven point will drastically come down, if CSCs become BCs. IDRBT has prescribed an interoperable technology platform for BC model and the branchless kiosk banking is one of them. Mr. Sambamurthy mentioned that BCs should be an extended arm of the branch and suggested that rule of rural branch of a bank may be applied to BCs.

CSCs are the best BC delivery outlets - SBI

Speaking on the occasion, Shri Ashish Kumar Roy, CGM - Rural Business, State Bank of India (SBI), said that SBI's kiosk banking is a cost-effective, robust, and time tested model. Under this model, the transactions happen on real-time and the investment for staring this business is very low. SBI is using CSCs for branchless banking through 6 SCAs. Mr. Roy mentioned that SBI is working with various agencies and corporate houses across country, out of which CSCs network is the best operating BC model, so far. He said that CSCs are better positioned to provide financial services across the country. He requested CSC SPV to ramp-up CSCs roll-out across the 600,000 villages.

CSC SPV to become an Aggregator of pension products

Taking cue from the discussions earlier, Ms. Padma Iyer Kaul, Executive Director, Pension Fund Regulatory and Development Authority (PFRDA), called for including Pension services as part of the Financial Inclusion services. Ms. Kaul said that PFRDA has come out with the New Pension Scheme - Lite (NPS - Lite), also called as Swavalamban, aimed at the citizens of unorganised and agriculture sector. The product gives old age security to the poor and marginalised sections of the society. CSCs can be an important distribution channel for the NPS-Lite product. She also mentioned that CSC SPV will be empanelled as an Aggregator under the NPS-Lite scheme.

CSCs as a channel for insurance products distribution

Mr. T Sriram, Executive Director, Insurance Regulatory and Development Authority (IRDA), said that the penetration of insurance products is very low compared to urban areas. One of the key reasons for this that the distribution cost in rural areas is much higher. Mr. Sriram mentioned that CSCs can become a channel for distributing insurance products. IRDA is working on to revise the guidelines and it aims to make VLEs as a sub-broker to sell multiple-insurance products.
In order to support CSCs at the grassroots and generate more awareness about the Scheme and the services through CSCs, SPV will be carrying out a series of workshops. The State Bank of India was the knowledge partner for the workshop. These would cover a wide range of services being delivered through the CSCs - areas such as financial inclusion, digital literacy, education, healthcare, agriculture and Aadhaar services. Aimed at building sustainability of the CSC, these workshops will enable various stakeholders to come together and create appropriate frameworks for catalyzing delivery of key services to rural areas.
'Catalyzing Financial Inclusion through CSCs", was the first in the series held at the India Habitat Centre. The Workshop brought together Government Departments, regulators and practitioners from Banking, Insurance and Pension sectors, and stakeholders of the CSC Scheme (State Designated Agencies, Service Center Agencies, and Village Level Entrepreneurs) to deliberate on opportunities for increased and effective service delivery.

Event Highlights from FI Workshop

Shri J Satyanarayana, Secretary, DeitY: "CSCs can be used to deliver Government's direct cash benefits to the beneficiaries in rural villages. Direct delivery of cash benefits to the beneficiaries will have huge impact on the lives of rural citizens."

Shri Rajiv Gauba, Additional Secretary, DeitY: "CSC can be used to deliver e-literacy program which would make one person literate in every family."

Shri Ashish Kumar Roy, Chief General Manger, State Bank of India, "SBI is confident that its association (with CSC SPV) will broaden and deepen the Financial Inclusion initiatives and will go a long way in meeting SBI's own dream of being the banker to every Indian."

Shri Rajeev Lal, General Manager, State Bank of India:"Among all BCs appointed by the Bank, CSCs are the most reliable, vibrant and efficient channel of delivery of financial services."

Shri Dinesh Tyagi, CEO, CSC SPV, "Through the Workshop on Financial Inclusion, we are trying to create awareness about the delivery of financial services through CSCs and discuss the operational issues so as to expedite and create a robust, secure and sustainable model for delivery of financial products and services in rural India."

Shri B Sambamurthy, Director, Institute for Development & Research in Banking Technology (IDRBT): "It is very important to understand the 'finance' element when we talk about financial inclusion in India. Hence, it is important to provide a viable business model to the village level entrepreneurs (VLEs) who operate the CSCs."

Shri Niraj Gupta, Chief General Manager, NABARD: "CSCs can be viable when banking services are also delivered. These banking services can act as additional services to the already existing G2C services"

Inaugural Session

Shri J Satyanarayana, Secretary, DeitY at the Inaugural Session of CSC SPV Workshop on Financial Inclusion on Dec 6, 2012

Shri Rajiv Guaba, Additional Secretary, Deity at the Inaugural Session of CSC SPV Workshop on Financial Inclusion on Dec 6, 2012

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Session 2

Panel Discussion on "Delivering Financial Products and Services Through CSC Network" was Moderated by Shri Rajendra Kumar, Joint Secretary, DeITY

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Session 3

Panel Discussion on "Delivering Financial Products and Services Through CSC Network" was Moderated by Shri Rajendra Kumar, Joint Secretary, DeITY

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Session 4

Panel Discussion on Increasing Insurance and Pension Penetration in Rural India: Moderated by Shri Gaurav Dwivedi, Director, DeitY

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More From Workshop on Financial Inclusion

While we gave a peek into the Inaugural Session of CSC SPV’s workshop on Financial Inclusion held on December 6, 2012, here are some takeaways from the three other interactive sessions. Topics are as following:
While we gave a peek into the Inaugural Session of CSC SPV’s workshop on Financial Inclusion held on December 6, 2012, here are some takeaways from the three other interactive sessions. Topics are as following:
  1. Delivering Financial Products and services through CSC Network;
  2. Identifying viable options for BC model in order to roll out scheme; and
  3. Increasing Insurance & Pension Penetration in Rural India.

Session 1: Delivering Financial Products and services through CSC Network“

The panel discussion on “Delivering Financial Products and services through CSC Network“ had speakers from Life Insurance Corporation, PFRDA, AISECT, State Bank of India, NABARD and BASIX.
The session was very engaging as the Regulatory bodies, implementing agencies and VLE’s discussed their respective challenges they face on regular basis. The session was started by highlighting the current situation of banking services in India, and the method to engage Aadhar scheme through CSC network using BC (Business Correspondent) model.
In this session the panelists threw light on some of the operational issues and challenges such as capacity of the VLEs, mass withdrawals and the risky & unsafe long commute just to deposit money collected as the bank branches are far away. The delegates wanted to know how they could expand the services through CSC and if banks are planning to open more branches to ease the tension of physical cash.
The panelists praised the good work being done by the CSCs. The session was concluded with the observation that there is a need of creating awareness for the financial services among rural population and expanding the services of the banks to the last person in rural set up. For this banks need to leverage CSC network to focus on the sustainability and viability of financial services.

Session 2: ‘Identifying viable options for BC model in order to roll out scheme’

This was a brain storming session, where panelist had a discussion to identify a viable revenue model for BCs to roll-out CSC scheme. The discussions had distinguished panelist from organizations like Mr. Rajesh Aggarwal, Information Technology Secretary from Maharashtra, Mr. Brijesh Pandey, Joint Secretary, Finance Department of Tripura, Mr. Y. P. Issar, General Manager from Punjab National Bank and respective CEO’s of Srei Sahaj & NICT, Mr. Sanjay Panigrahi & Mr. Mukesh Hajela.
The panel deliberated on various issues that is currently dogging the CSC, Govt. Department, SCA or a Bank in rolling out various schemes. The panel agreed that on switching to electronic transfer over cash transactions in order to make it available to the last mile, as there is a huge advantage for transferring funds electronically over physically.
The major issues they deliberated were on the conversion of electronic money into physical money and highlighted the operational issues in transporting and making it available to the beneficiaries.
The panel also mooted the idea of RRB being connected to banks through CSC to increase outreach to grass roots level. The panellist from SRE- SAHAJ also reiterated that while G2C services are good for sustainable CSC Kiosks and CSC has done commendable job in providing G2C services. He recommended that going forward about 70% of the business should come from B2C services such as Banking Correspondences (BCs), insurance and other channels citing the advantages of B2C service over G2C. Penal also suggested that the transaction margins for the VLEs to be increase in order to cover their costs and making the kiosks viable. The panel advocated the capacity building of VLEs.

Session 4: ‘Increasing Insurance & Pension Penetration in Rural India’

The session had representatives from IRDA, AISECT, SBI & BASIX. The discussion started by providing an update to the audience on the work banking sector is doing to make banking available to unbanked citizens, that has shown significant expansion in the last few years.
The discussion was aimed on finding out ways to increase dissemination of insurance & pension services to the grass-root level. Panellists made good suggestions such as a tie up between licenced broker and SCA to provide training to VLE’s, introduction to more retail banking models and enable VLEs in more effective and efficient manner.
The operational issues faced by SCAs such as premium collection and disbursement of claims were also highlighted. IRDA stated that they are working on better products and different models like BC model to overcome such issues and are in communication with NABARD for Financial Inclusion Fund for improving the penetration of Insurance products at grass root level. Though it was agreed that CSC network has achieved a remarkable place in providing banking services but the full potential of the CSC network still needs to be explored and leveraged to provide Insurance & Pension services.
Dr. Dinesh Tyagi, CEO, CSC SPV, concluded the event by thanking all the speakers, delegates, Knowledge Partner, State Bank of India and organising partner, NASSCOM Foundation. He also commended his team for their efforts to make this event so lively.


The workshop proved to be a good platform for deliberations on expansion of services through CSC network. The enthusiastic turnout of both speakers and audience is proof that there is positive reception of the idea of collaboratively thinking sustainability and increased services for the CSC. The workshop was also hailed by participants as a great step towards bridging the gap between CSC and service providers like Banks, IRDA, PFRDA etc. The CSC – SPV should plan for more such theme based workshops with the entire range of services it is proposing to offer through the scheme.


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