FINANCIAL INCLUSIONUT CHANDIGARH

Bhawna Garg, IASSpecial Secretary Finance, Secretary Social

Welfare and Secretary Food.

e-mail: gargb@nic.in

Slide 1

Population ( 2011 Census): 10,55,450

Urban population: 97.25%

Population Growth (2001-2011) : 17.19%

Literacy Rate (%): 86.05

Per Capita Income (2012-13) : Rs. 152344

Sex Ratio (2011): 818 / 1000

Only one urban local body i.e. MCC .

No legislature

BASIC STATISTICS OF UT CHANDIGARH

Slide 2

OVERVIEW

Financial Inclusion.

Direct Benefit Transfer (DBT).

DBT in Food Grain.

Kerosene Free City.

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FINANCIAL INCLUSION

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

Slide 4

PRADHAN MANTRI JAN-DHAN YOJANA (PMJDY)

222853 bank accounts opened till 31.12.2015, 100% enrollment in UT Chandigarh.

About 2 lacs Aadhaar seeded accounts.182414 accounts, Rupay Cards issued as on

31.12.2015, which is 81.85% of the total accounts opened.

Slide 5

SOCIAL SECURITY SCHEMES (upto 31.12.2015)

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY):

Persons enrolled - 49778.

Pradhan Mantri Suraksha Bima Yojana (PMSBY):

Persons enrolled -127389(100%).

Atal Pension Yojana (APY):Persons enrolled - 2800.

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PRADHAN MANTRI MUDRA YOJNA (PMMY)

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

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DIRECT BENEFIT TRANSFER

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DIRECT BENEFIT TRANSFER UNDER UT CHANDIGARH

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

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THERE ARE 22 CENTRALLY SPONSORED SCHEMES WHERE DBT THROUGH PFMS/E-TRANSFER.

Department Name

Name of Scheme Payment Mode

Food & Supply(1) DBT scheme for food grains. Through PFMS

Education Department(14)

Post Matric Scholarship to Minority Community.

Merit-cum-Means Scholarship to Minority Community

Post Matric Scholarship to disabled students.

Pre-Matric Scholarship for SC students from class 9th and 10th.

Pre-Matric Scholarship for OBC students from class 1th to 10th,

Pre-Matric Scholarship to Minority Community from class 1th to 10th,

National Scheme of incentive to SC girls of 9th class for secondary education.

Through PFMS.

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Department Name

Name of Scheme Payment Mode

Post metric for SC students. Post metric for OBC students. UT merit scholarship. Free Education to meritorious SC

students. Free Education to meritorious OBC

students Attendance scholarship to girls students

from 1st to 5th class. Attendance scholarship to SC/ST students

from 1st to 8th class.

By NPCI portal-do-

By e-transfer.-do-

-do-

-do-

-do-

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Department Name

Name of Scheme Payment Mode

Department of Social Welfare (7)

Indira Gandhi National Old Age Pension Scheme (IGNOAPS-NSAP)

Indira Gandhi National Widow Pension Scheme (IGNWPS-NSAP)

Indira Gandhi National Disabled Pension Scheme (IGNDPS-NSAP)

Indira Gandhi Matritive Sahyog Yojana (IGMSY)

Old age pension (STATE) Widow pension (STATE) Disabled pension (STATE)

Under process through PFMS.

-do-

-do-

-do-

By e-transfer-do--do-

Health Department (1)

Janani Surkasha Yojana Through PFMS

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DIRECT BENEFIT TRANSFER (DBT) SCHEME IN FOOD GRAINS

Till date, a total of 43,273 households identified to avail the benefits.

Subsidy amount transfer (average basis) Rs. 1.75 Cr./ per month through the Society’s Bank account in Aadhaar enabled bank accounts of eligible beneficiaries.

Subsequent additions in no. of eligible beneficiaries done on monthly basis.

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In Sept, 2015 Chandigarh became the 1st State/Union Territory to implement DBT Scheme for foodgrains.

In Feb, 2014 Chandigarh became the 1st Union Territory to implement NFSA, 2013.

2 categories of households: i) Priority Household (PH)

ii) Antyodaya Anna Yojana (AAY) Enrolment of eligible beneficiaries done as per

standard guidelines through Sampark Centres. Subsidy wheat @ Rs.16.125; Rice @ Rs.23.125.

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Approx. 1200 NSS volunteers assigned work for the

following purpose:-

Awareness of the Scheme.

Assistance for Application form.

Handholding.

Survey.

Assistance for operation of Bank Account including

confirmation of withdrawal of subsidy amount.

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CONTRIBUTION BY NSS VOLUNTEERS

Making Chandigarh– “a Kerosene Free City”

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PM ANNOUNCEMENT AT GLOBAL BUSINESS SUMMIT, NEW DELHI

29TH JAN. 2016

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SUBSIDISED KEROSENE OIL (SKO)

In 2014, 68,000 beneficiaries availed 888 KL/quarter through 7 depots.

3 extensive surveys carried out (Aadhaar LPG data of OMCs collected and matched with the Aadhaar data of SKO beneficiaries).

Jan – Mar 2016 : SKO quota lifted 276 KL against allocation of 780 KL for 17,000 beneficiaries. Saving 2.45 Cr. per annum.

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STRATEGY AHEAD3092 BPL families offered free LPG connection under CSR by

OMCs.Sample survey of APL families reveals 80% using LPG.Financing Scheme for taking LPG connection with 0% interest for

March-April, 2016 (Open for all). Recovery shall be made by OMCs from subsidy amount of re-fill of Cylinder and to be transferred to Govt. account.

Intensive awareness campaign.White Kerosene -  freed regulatory control over storage,

transportation and sale of kerosene sold outside of the public distribution system (PDS)

Chandigarh will be Kerosene free city by 31st March, 2016

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

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