Presentation given by Mukesh Hajela, CEO & Vice-Chairman, Network for Information & Computer Technology (NICT) at the WSIS Forum 2013 on the winning project of WSIS Project Prizes 2013 in the category C7 ICT Applications, E-government: Project SAKSHAM - ICT enabled Direct Old Age Pension Distribution (Network for Information and Computer Technology, Indore, Republic of India)

1. WSIS FORUM 2013
GENEVA 13-17TH MAY 2013
INDIA
Project
SAKSHAM
Direct Old Age Pension Distribution
Through ICT Kiosk Banking
Category – C7. ICT Applications : e-Government
MUKESH HAJELA
CEO
Network for Information and Computer Technology (NICT) India
ceo@nict.co.in
Fighting poverty with Dignity and
Confidence
Stakeholder
Indore Municipal Corporation

2. WSIS FORUM 2013
GENEVA 13-17TH MAY 2013
INDIA
Saksham Project
Target to action
• The ageing is a natural LIFE PROCESS, person become economically
inactive.
• Livelihood of those who work on daily wage, as agro, construction
and as other labor it becomes more difficult.
• The families Below Poverty Line (BPL), paints the horror livelihood
scenario in urban & rural area.
• With growing economy, people are migrating for job.
• Transformation occurring in households from joint extended family
to nuclear family.
• Lead to situation where many old age people left in villages and
urban areas without family support.
• Living alone with spouses (UNFP STUDY).

3. WSIS FORUM 2013
GENEVA 13-17TH MAY 2013
INDIA
Saksham Project
Target to action
• These old age people are leaving in extreme poverty conditions.
• 70% of elderly population of BPL category (Below Poverty Line) is
illiterate and have lost their earning capacity as they were
productive labor in their captive years.
• According to the report brought jointly by (UNFPA) United Nation
Population Fund and Help Age India. India have 100 million (10
crore) elder population at present and number is expected to
increase to 320 million (32 crore) upto 2050.
• Addressing the concerns, Government of India has adopted National
Social Assistance Program (NSAP) in 1995 which includes National
Old Age Pension Scheme (NOAPS) with other two scheme viz.
– National Family Benefit Scheme (NFBS) &
– National Maternity Benefit Scheme (NMBS)

4. WSIS FORUM 2013
GENEVA 13-17TH MAY 2013
INDIA
Saksham Project
Target to action
• Inspite of steps taken by the Government, providing old age
pension there is a need to create age friendly and affordable
services for them.
• Senior citizens are the reservoir of knowledge, experience and the
pedia of growing society which help in development of
communities.
• May they have physical limitation but they can always contribute
and mentor the socio-economic growth.
• Provide they shall be given opportunity and space respectfully in
the community, they live.
• It’s not that population and people discard “Senior Citizens” but it
is there economic condition and constrains because of which they
find them in “Not Possible” to manage situation.

5. WSIS FORUM 2013
GENEVA 13-17TH MAY 2013
INDIA
Saksham Project
Target to action
• Hardship continues due to inter-mediatories, illiteracy, lack of
awareness and loose system of monitoring and control and the lack
of extension of financial services to poor due to less number of Bank
Branches and Reach of poor to the Bank.
• This creates a situation which is not aliening with the millennium
development goals we can not accomplish the developmental goals
if almost 10 to 15% population is striving for livelihood been in old
age.
• NICT working in the area of ICT for Development in alignment with
common vision of WSIS forum initiated a project Saksham, to
address the issue.
• Harnessing the potential of information and communication
technology and by coordinating the synergies of available Govt.
policy frame work.
• Project Saksham has created a conducive environment with the
stake holders where the old age people can get their minimum
support pension hassle free.

6. WSIS FORUM 2013
GENEVA 13-17TH MAY 2013
INDIA
Saksham Project
Target to action
• NICT in association with Local Urban Body (LUB), Municipal
Corporation of Indore and Bank of India a leading nationalized
bank under the leadership of Hon’ble Mayor Mr. Krishna
Murari Moghe and Incharge of Mahila Evam Bal Kalyan Smt.
Padma Bhoje decided to implement the scheme through bank
revamping the Govt. process to ICT enable process to limit the
leakage and ensure that the benefit reaches to the
beneficiaries.
• Challenges
– The reach of Bank Branch
– Account Opening of these Senior Citizen who have crisis
of the KYC to open a account in Bank
– Limited staff at Bank to take care of large number of low
value accounts.

7. WSIS FORUM 2013
GENEVA 13-17TH MAY 2013
INDIA
Saksham Project
Target to action
The Organogram
The three stake holders Bank of India, Municipal
Corporation Indore and NICT come together committing
themselves for sustainable inclusive development bringing
their expertise and domain together for catering the
special needs for development of marginalized and
vulnerable groups of society empowering them to liberate
from extreme poverty.
By introducing and implementing new e-government
process distribution of old age pension.
Kiosk Bank
Indore
Municipal
Corporation
NICTBank of
India
Citizen

8. WSIS FORUM 2013
GENEVA 13-17TH MAY 2013
INDIA
Saksham Project
Target to action
The KIOSK Bank –
• The Kiosk is Ultra Small Branch of Bank.
• Bank authorized NICT as Business Correspondent (a
Agency which will establish, operate the single
window branch) with ICT Setup linked with the bank
Branch of the area.
• The Beneficiary from poor and Below Poverty Line
were allowed to open Bank Account with relaxed
KYC norms and with Zero Balance (No Frill Account)
(Ref.: Govt. and reserve bank of India reform for financial inclusion)

9. WSIS FORUM 2013
GENEVA 13-17TH MAY 2013
INDIA
Saksham Project
Target to action
Kiosk
A/c opening
• Physical form & KYC
• Biometric capture &
Data Entry
ID card for A/c holder
server
Biometric enrollment
& data entry
Submission of
physical a/c form’s
& KYC
Bank of India Linked
Branch
situated nearby 20-30
km from kiosk
Account Opening Process at Kiosk
Biometric authentication

10. WSIS FORUM 2013
GENEVA 13-17TH MAY 2013
INDIA
Saksham Project
Target to action
Kiosk
Request for financial
transaction
• Deposit
• Withdrawal
• Money given to
a/c holder
Or
• Money taken
from a/c holder
Perform check’s &
permit financial
transaction
Online
server
Process at Kiosk
Link Bank of Area
Online Internet
Linkage
MIS Monitoring
Control
NICT Head Office
Remittance of old age pension at kiosk

11. WSIS FORUM 2013
GENEVA 13-17TH MAY 2013
INDIA
Saksham Project
Target to action
The 2E Mission of NICT on one side addresses the socio-economic crisis for old
age population on other hand it provides Employment to local youth as social
entrepreneur.
Social Entrepreneur
A eco system with handholding capacity building and training has been created
with the group of unemployed local youth who will act as a kiosk operator
earns the livelihood and employment through banking transaction commission
on every remittance he makes and every account he opens.
This social enterprise network of kiosk in the local area enables the reach of
bank to unreached population.
15 such social entrepreneurs are trained in initial phase out of which 7 are
women entrepreneurs.
2E Mission makes it happening -
Employment & Empowerment

12. WSIS FORUM 2013
GENEVA 13-17TH MAY 2013
INDIA
Saksham Project
Target to action
NICT BOI Old Age Pension Kiosk - As on 30/04/2013
Kosk Branch Amount Disbursed Accounts Opened
Kila Maidan 305217 650
Rajmohalla 588531 623
Shantipath 541000 770
Sangam nagar 438074 904
Sukhliya 662160 1458
Subhashnagar 922480 1287
Sch. No.54 217002 1011
Vijaynagar 206599 398
Pancham ki Phel 372428 1079
Saket Nagar 230115 504
Stadium 421470 1471
Harsiddhi 754201 815
Bilawali 434229 974
Hawabanglow 60350 387
Dravidnagar 533401 733
Total 6687257 13064
13064 Old age people were benefited
with the scheme and the figure is
increasing every day.
INR 60 million approx has been disbursed
directly to the beneficiaries without any
discrepancy. Delay & leakage is system
been ICT enabled.
Providing better livelihood and
employment.
Target is to cover all 60,000 listed Old Age
Citizen in Indore Municipal Corporation
Area by the end of the year.
Coverage and Out reach

13. WSIS FORUM 2013
GENEVA 13-17TH MAY 2013
INDIA
Saksham Project
Target to action
Impact
• The NICT, Bank of India and Municipal corporation
ICT enabled kiosk bank project sakhsam bring
empowerment with Smile, Dignity, confidence,
Respect with monthly income.
• Though amount is small INR 300 approx. ($5.53 ) but
proves useful in terms of less dependency and relives
them from worries of daily existence in old age.
• It play a vital role in eradication of extreme poverty
conditions contributing towards the creation of
inclusive society with better livelihood for vulnerable
groups and create employment opportunities for the
local youth.

14. WSIS FORUM 2013
GENEVA 13-17TH MAY 2013
INDIA
Saksham Project
Target to action
Way forward and Scaling up
• The project has scaled up to remote villages and NICT with other
banks coming up with Business Correspondent scaling up the project
PAN India.
• At present 700 such rural business correspondent kiosk branches are
developed in rural areas by NICT manned by local village unemployed
youth providing services to more than 300 thousand population
disbursing various social benefit schemes amount directly to the
beneficiary like Jannay Surakha Yojna, Scholarship, old age pension,
grants for cycle and uniform eliminating intermediaries procedure
delays and outreach challenges.
Outcome
The information Communication Technology has proven to be one of the key
technologies which makes direct impact on better livelihood of human being. It
contributes towards the development of sustainable inclusive society and thus,
it can be said that ICT is a techno-socio-economic phenomenon.
Bank Kiosk
Government Bank
Remittance Demand
Service at
door step Senior Citizen
Online
Core Banking
Software