Kolasib, Mizoram

Ministry of Panchayati RajGovernment of India

Dr. K.S. JayachandranDeputy Secretary

Department of Justice Ministry of Law and Justice

Gram Swaraj AbhiyanMinistry of Rural DevelopmentGovernment of India

22 identified villages

Gram Swaraj Abhiyan: Saturation levels

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Unsaturated SchemesSaturated Schemes

Pradhan Mantri Ujjwala Yojana

Ujala scheme

Mission Indradhanush

Saubhagya

Pradhan Mantri Jan Dhan Yojana

Pradhan Mantri Jeevan Jyoti Bima Yojana

Pradhan Mantri Suraksha Bima Yojana

Gram Swaraj Abhiyan: Field challenges

3

Scheme – wise

Pradhan Mantri Jeevan Jyoti Bima Yojana

▰ Saturation: 62 %

▰ Poor demand & response during camps

▰ Challenges:

▰ Financial illiteracy

▰ Insurance not accepted by poor

▻ High annual premium 330

▻ Deemed to provide no valued benefits.

▻ “I will not die soon” notion

▰ Allotment of targets by SLBC’s – nearby bank branches overlooked

▰ Mapping essential (targets within service area of banks)

▰ Awareness & motivation through village councils 4

Saubhagya

▰ Saturation: 64%

▰ High level of electrification (97 %)

▰ Target: remaining 3% households

▰ Challenges:

▰ Remote villages – distant from existing lines

▰ Deficient in materials (energy meters, cables, switches.)

▰ Poor power infrastructure – HT/LT line, dist. transformers

▰ High cost per household (Rs 65,000) as against MOP normof Rs 4500 / household. Gap. Funds shortage

▰ State Govt.’s support essential for the remaining funds

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Pradhan Mantri Jan Dhan Yojana

▰ Saturation: 74 %

▰ Moderate demand

▰ Challenges:

▰ Financial literacy - an issue

▰ Camping challenges: remote villages

▰ Less bank staff (normal banking operations)

▰ Suggestions:

▰ Enabling Banking Correspondents

▰ Joint camps for all GSA schemes

▰ Constant monitoring of branch targets

6

Pradhan Mantri Suraksha Bima Yojana

▰ Saturation: 87 %

▰ Simple and ready made product

▰ SBI pays first annual premium Rs.12/- (good promotion)

▰ Initial incentivizing

▰ “If customers want it, they get it”

▰ Suggestions:

▰ Awareness. Use of hired staff by banks

▰ Involving BDO’s, NGOs, SHGs & MF institutions

▰ Insurance literature and forms in local languages

▰ Lead Insurer Scheme (on lines of Lead Bank Scheme)

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Pradhan Mantri Ujjwala Yojana

▰ Saturation: 100%

▰ High demand amongst villagers

▰ Camps in mission mode at all identified villages

▰ Incentive: Rs 40 per connection to gas agencies

▰ KYC collection & data entry through hired staff.

▰ Initial challenges:

▰ ST certificates - Solved through self declaration

▰ Slow re-duplication process on centralized software of IOCL

▰ Sustenance issues:

▰ Cost of re-filled cylinders

▰ Poor distributor network 8

Ujala scheme

▰ Saturation: 100 %

▰ Very high demand

▰ Initial challenges:

▰ Lack of clarity on the Nodal department

▰ Lack of coordination between EESL and department/district

▰ EESL was not able to reach out to villages

▰ GSA solved coordination issues

9

Mission Indradhanush

▰ Saturation: 100 %

▰ Both children and pregnant women

▰ Very high demand

▰ Good network of PHCs – camp mode

▰ ASHA’s role pivotal

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How GSA helped?

▰ Sense of urgency – targets and timelines.

▰ Single platform for all stakeholders.

▰ Coordination – especially between PSUs/agencies,Departments and local administration.

▰ Management of micro-issues.

▰ Access to data (single point) at portal and use of datafor planning camps.

▰ Nation-wide campaign – perspective and pride.

▰ High motivation levels.

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Thanks

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