SWAVALAMBAN: A web based Old Age Pension Payment and Monitoring System

Dhanbad JHARKHAN

DIntroduction

The web-based application OLD AG

P !SIO! "#S PA$M !T % MO!ITO"I!G S$ST M de&eloped at

Dhanbad has pro&ed to be a step 'orward in the operationali(ation o' the IG!OAPS)IG*PS)IGDPS and

State Old Age Pensioners Scheme +SOAPS,-.ey /eatures

S on-line monthly ad&ice generation S payment to pensioner#s through 01S % !odal 1an2s

S on-line up-dation o' data

S on-line receipt o' 'resh application 'orms 'rom 0S0sOb3ecti&e

De&elop an e''icient4 transparent4 accountable system by simpli'ying process o' pension payment

De&elop a mechanism 'or selection o' new bene'iciary

To ensure deli&ery o' ser&ices through ban2)post o''ices using 01S % !on-01S mode in optimally shortest possible time

liminate intermediaries

"emo&e burden o' mo&ement o' the 1ene'iciary to district)bloc2 o''ices

nsure proper monitoring and super&ision

Block wise List of pensione s

Draft by Treasury branch in favour of BDO

Passed Bill deposited in Treasury Branch

11 Layer System BD! to s"b#it bill to t eas" $

Draft deposited in BDO's A/ Work Flow : Legacy System

0omple5ities o' the Legacy System6 +a case study,

7- !o- o' o''ices in&ol&ed at &arious le&els +Dhanbad district- a case study,6

Problem with the old system

Payment to pensioners within 8th o' e&ery month usually could not be made-

!ew Pension can#t be sanctioned in time due to lac2 o' authentic in'ormation) &acancies-

Lac2 o' Transparency

Ine''iciency4 Scope o' 0orruption4 0umbersome o''icial processes-

Delayed Payment

1road Steps In&ol&ed to eliminate problem

A tas2 'orce was constituted at the district le&el in the chairmanship o' the Deputy 0ommissioner4 which in&ol&ed all sta2e holders-

Opening o' account o' all pensioners in 1an2 )Post O''ice

De&elopment o' web based so'tware namely Old Age Pension Payment Monitoring system with integration with 01S and !odal 1an2 )P-O +!on- 01S,-

Generation o' online ad&ice 'or 1ill preparation % payment to bene'iciaries-

Pension amount is disbursed in bene'iciary#s 1an2 )P-O- a)c in two ways -

a,- Through Treasury 1an2 +S1I, or

b- Through nodal ban2s +'or non S1I % 01S ban2s ,

Digiti(ation o' in'ormation % uploading on centrali(ed database system

Introduction o' 1usiness 0orrespondent o' 1an2s 'or doorstep deli&ery o' pension payment using biometric de&ice-

0ollection o' mobile phone nos- o' bene'iciary or his 2ith and 2in-

Introducing SMS alerts 'or occurrence o' any transaction in bene'iciary account-Work Flow: New System Advice prepared and D Bill deposited in treasury from district level Passed Bill deposited in Treasury Branch Amount transferred to !odal Ban" / #PO throu$h %T&S

% " n d f o # S t a t e

Layers reduced from 11 to 6 Paperless

Transparen

tProcess Flow - Swavalam an

1ene'its o' the web 1ased System

!overnment to "#t#$en %!&"'

: Timely and regular payment o' pension :0ost and Time sa&ing 'or bene'iciary

:!o need to wait 'or any announcement o' camps 'or the payment on a date 'i5ed by the bloc2 administration-

limination o' Middlemen-

inculcation o' sa&ing tendency amongst bene'iciaries

introduction o' 10 model enabled doorstep deli&ery o' the go&t- ser&ices-

:SMS alerts 2eep the bene'iciary updated about the status o' their ban2 account

1ene'its o' the web 1ased System

!overnment to !overnment %!&!'

:0S04 1an2 1ranches % Post o''ice ser&ing as deli&ery outlet-

:1ill preparation at one place in One o''ice at District le&el-

:Only ; 1ills being generated +0omparati&ely reduced to &ery Less no,- :< Layers +As many as = Layers diminished,-

:/inancial instrument - >ero +1an2s has a great sigh o' relie',-

:Paperless transaction - n&ironment /riendly-

:!ow Detailed 0ontingent +D-0, 1ill in place o' Ad&anced 0ontingent +A-0-, bill produced at Treasury +AG compliant process,-

:0ost o' deli&ery drastically reduced +I-e- 7)7?th,-

"omparat#ve Study S &No ( )i#el$ pa$#ent of pension *+o#pliance of o de of Hon,ble S+ +o" t. Sanction of pension to new eli/ible beneficia ies Ha dl$ done d"e to lack of info #ation abo"t 0acancies 1as$ and s$ste#atic 'ndicato s !ld s$ste# Not possible New s$ste# Done

2 4 9 7 6

No of offices in0ol0ed %inancial 'nst "#ents No of p ocesses *fo each sche#eLa$e s ) anspa enc$

23. 567 No of blocks *5((

( 8 *pape less( 7 )otall$ t anspa ent

+o#pletel$ non t anspa ent 5 3 (8 (( +o "ption:leaka/es ;pdation of eco d Monito in/ and s"pe 0ision Se 0ice deli0e $ (ppro) &*+ Man"al Ve $ diffic"lt Not user fr#endly )otall$ checked a"to#atic 1as$ ;se f iendl$

(.

+ost of deli0e $

Ve $ hi/h

+"t down hea0il$ *Al#ost to <e o-

0hallenges

7-

Opening o' accounts o' large number o' pensioners in 1an2 ) Post O''ice-

@-

In-house de&elopment o' so'tware-

A-

Digiti(ation and authentication o' data without ha&ing complete record o' bene'iciary at the district or bloc2 le&el-

B-

"esistance to change 7= years old go&ernment process-

=-

Lac2 o' computer s2ill among employee-

<-

Lac2 o' 'aith in the I0T at the 1loc2) Panchayat le&el-

8-

1rea2ing the hegemony o' intermediary-

;-

Ma2ing payment at the doorstep 'or 'irst time in the district-

0ompilation o' mobile numbers and enabling SMS alerts system at the 1an2 le&el-Sustainability % Scalability

Initially pro3ect was ta2en up in the entire district in the /$ @??C-7? and is continue-

"oll out in Deoghar district +Online mode,4 "anchi4 Godda4 Dum2a4 Gumla4 0haibasa4 Pa2ur4 Da(aribagh +O''-line mode,

Pro3ect de&eloped with help o' manpower and resources a&ailable at the local le&el-

9 The pro3ect hosted and maintained at !I0 data center-

5isting go&ernment) 1an2) PO employees trained-

GoE has already adopted this system and directed to all district to implement it-

/acility o' integration with FID !o- o' pensioners incorporated in S)*-Magnitude !SAP Schemes +Ehar2hand State, !o- o' 1ene'iciary +appro5-, Indira Gandhi !ational Old Age Pension Scheme <4B74@=;

Amount disbursed annually +In crore, A?8-;?

State Old Age Pension Scheme

74<B4C@7 748<4BA=

8C-7< ;B-<;

Indira Gandhi !ational *idow Pension Scheme Indira Gandhi !ational Disability pension Scheme @B4BB< 77-8A

TOTAL

7?4?84?<?

B8=-=8