APR_Print

Annual

PROGRESS REPORT

April 2017 - March 2018

Major Achievements of 2017-2018

2o+ lakh direct beneficiaries impacted by CDFI innovations, mainly

women, children, farmers and financially excluded sections

10,96,839 Fund worth CDFI platform Sunidhi is being used for
delivering maternity benefits under
Pregnant & ₹ 2.57 Crores
lactating Pradhan Mantri Matru Vandana Yojana
women transferred (PMMVY)
benefitted directly into
beneficiaries’
bank accounts

KANCHI platform is transforming 60,000 + ₹ 73 Lakh
34 farmer producer organizations involving
Farmers in worth loans
60,000 farmers. Many more to come! Bihar and getting tracked
Tamil Nadu
getting and repaid
benefitted through KANCHI

CDFI - Annual Progress Report | April 2017 - March 2018 2

CDFI’s SANKALP is identifying 55 lakh rural
women beneficiaries in Chhattisgarh to

provide them mobile phones. SANKALP is also being
used to identify

missed out eligible beneficiaries in PM Awas
Yojana - Gramin

Sunidhi is being used by Maharashtra’s Village 3
Social Transformation Foundation to transform
1,000 villages (worst affected by drought and

having Low Human Development Index)

400 villages covered
10 lakh villagers getting impacted

CDFI - Annual Progress Report | April 2017 - March 2018

Union Finance Minister, Shri. Arun Jaitley at the
BusinessLine Changemaker awards held at ITC Maurya

Sheraton in Delhi on March 16,2018

In just over three (3) years of its inception, CDFI made it to the final list of nominees of the
Businessline Changemaker awards under the category ‘Changemaker – Financial Transformation’

CDFI was the only not-for-profit organization nominated under this category

MeitY, through a letter, appreciated CDFI’s support
during 2017-18 for achieving over 80% target
of enabling 2500 crore digital transactions

CDFI and Digidhan team conducting capacity building
program on digital payments for awareness generation

of SHG women on 19th July, 2017

CDFI - Annual Progress Report | April 2017 - March 2018 4

Contents

1 overview
2 Approach
3 Annual Highlights
4
5 CDFI Innovations
Activity Status

Overview

CDFI - Annual Progress Report | April 2017 - March 2018 5

OVERVIEW 1

CDFI was established in September 2014 with Since then, CDFI has grown into an innovative
funding support from Bill & Melinda Gates and vibrant organization with offices in Delhi and
Foundation, Omidyar Network, Michael and Susan Bengaluru.
Dell Foundation, Tata Trusts, and institutional
support from Institute for Financial Management
and Research (IFMR).

The primary objective of the Centre is to reduce
inequities in financial access and services using
technology. The Centre therefore has been
developing, testing and scaling innovative digital
solutions in collaboration with its partners. CDFI’s
tech partners for innovations are typically small agile
firms and startups, while it works with larger public
and private partners for testing and scaling. Some
solutions are being implemented as part of large
scale and impactful government programs.

CDFI - Annual Progress Report | April 2017 - March 2018 6

PROJECT PARTNERS

NATIONAL INFORMATICS
CENTRE

ASHOKA University aavin Wadhwani AI

CDFI - Annual Progress Report | April 2017 - March 2018 7

Technology Partners

CDFI has collaborated with niche technology firms to develop and scale technology solutions in the
area of financial inclusion. Some of these firms are:

Billion Lives Business Initiatives Pvt. Ltd. Flexicode Technologies Pvt. Ltd

PIANA IT Solutions Pvt. Ltd Myndgenie Systems Pvt. Ltd

I-exist Technology Solutions IdeaPlunge Solutions LLP
Private Limited 8

CDFI - Annual Progress Report | April 2017 - March 2018

APPROACH 2

“In order to leverage technology in promoting financial inclusion in India, CDFI has developed its approach
based on extensive research, digital experiments and interactions / collaborations with various stakeholders in
this space”

CDFI was established to fulfil the need for a CDFI objectives are therefore aligned with
dedicated digital financial inclusion intermediary for government’s DBT strategy and are aimed at
promoting product development with applications underprivileged, rural, or otherwise excluded
in Government to People (G2P) and non-G2P space. population segments:
There was a need to bring in innovations to fast track
benefit delivery because: • Drive payments made to excluded population
segments onto digital platforms
• Government’s direct benefit transfer (DBT) efforts • Work with commercial providers to test and scale
were impeded by fragmented approach and slow new digital payments innovations
government processes • Develop and scale new digital payment use cases
• Individual Ministries / Departments lacked capacity • Analyse policy / program implementation
and know-how to develop and scale DBT projects frameworks to help create an enabling
environment for digital financial inclusion
• Create public goods to accelerate diffusion of best
practices for financial inclusion

CDFI - Annual Progress Report | April 2017 - March 2018 9

CDFI’s approach has been to:

• Digitize G2P payments by developing digital This process could also include digitizing livelihood
solutions to support large benefit transfer related transactions using comprehensive digital
programs: platforms.
Getting money directly in the bank account
encourages beneficiaries to initiate financial In summary, CDFI aims to use technology to
transactions, thereby paving way for them to start support country’s flagship benefit transfer
accessing basic financial services. programs and open doors for the poor to the
• Enable the poor to use these funds in financial mainstream.
digital mode:
CDFI also seeks to establish comprehensive digital
platforms for digitizing livelihood related
transactions and enable linkages with financial
mainstream and market access.

CDFI - Annual Progress Report | April 2017 - March 2018 10

CDFI’S APPROACH TO FINANCIAL INCLUSION

CDFI therefore plays the role of an innovator, collaborator and thought leader in bringing together
various stakeholders from Central Government Ministries / Departments, State Government regulators,
technology developers, financial institutions, academic institutes, research organizations, and
implementing agencies for executing technology driven programs. The Centre works across sectors /
domains spanning agriculture, health, governance, nutrition and education.

CDFI - Annual Progress Report | April 2017 - March 2018 11

CDFI’S DBT INDIA ACCELERATOR (DIA) STACK

Analytics platform with Design Platform for
capability to draw data DIRECT beneficiary
from multiple sources BENEFIT enrolment and
authentication at
TRANSFERS source

Execute

Engage Product to roll out any type of
government scheme in DBT mode
Mobile-based communication
platform to deliver large scale literacy
& awareness campaigns

CDFI’s DBT India Accelerator (DIA) Stack consists DIA Stack is equally capable to implement in-kind
of tech solutions for all three components of benefit delivery programs where funds are
successfully delivering a benefit program: transferred in service provider’s account on
Design, Execute and Engage. DIA Stack is delivery of benefits to the citizen. The Stack has built
an end-to-end solution for implementing, in linkages with Aadhaar & Public Financial
monitoring and tracking benefit programs Management System (PFMS) and can be easily
where funds are directly transferred in configured / customized for any domain enabling
beneficiary’s bank account. quick roll out of schemes in DBT mode. Tech
innovations in DIA Stack can work independently
and can also be used in any combination to suit
program requirements.

CDFI - Annual Progress Report | April 2017 - March 2018 12

CDFI’S RURAL TRANSFORMATION PACK

Design

Analytics platform to RURAL Execute
analyse field level data, TRANSFORMATION
create transformation plans Generic product to execute, track
and link projects with PACK and assess transformation
existing government
schemes and mobile based programs; payment directly in
extension for village/ service provider’s account

household level
data collection

Engage

Mobile-based awareness /
communication platform to
deliver large scale literacy /
awareness campaigns and

to conduct polls

Central ministries and various state governments are running focussed programs for rural development
such as:
• Saansad Adarsh Gram Yojana (SAGY) - MP adopts a village and modernise it in a year
• Maharashtra’s Village Social Transformation Mission State-wide program to transform targeted villages
in collaboration with corporates

In these rural transformation programs, household The Rural Transformation Pack consists of a mobile
level data is collected to develop village specific app for field level data collection, analytics platform
transformation plans. Corporate funds are used for analysis and development of village specific
for activities not covered under any government transformation plans and a web based platform,
scheme. CDFI used its existing innovations for end along with a mobile extension, to track activities at
to end management of rural transformation the field level.
programs.

CDFI - Annual Progress Report | April 2017 - March 2018 13

IMPACT OF CDFI INITIATIVES ON A
TYPICAL RURAL HOUSEHOLD

Financial literacy and Scheme design
digital payments awareness using SANKALP

using Samwad #Household falls under eligibility
definitions for Govt. schemes
#Comfortable using relevant without exclusion errors
financial services and digital
Delivering PMMVY Delivering PMMVY
payment modes using Sunidhi using Sunidhi

Through IPPB’s #Pregnant and lactating
extensive network
mother receives ₹ 5,000
#Getting easy access to
low cost financial and in her bank account for
nutritional support
digital payment
services at their

doorstep

MANAGING FPO OPER- Rural transformation
ATIONS USING KANCHI using Sunidhi

#End to end transformation #Household gets access
of FPO along with empow- to basic civic amenities,
erment of member farmers digital infrastructure and
through institutional credit livelihood opportunities

at the village

Incentivising TB patients Tracking nutrition delivery
for completing the course at anganwadis using BETS

using BETS #Nutritional needs of women
and children get fulfilled
#Tracking of TB treatment and at the anganwadi
#Education and health
transfer of incentives for parameters of
children get tracked
treatment completion
digitally

CDFI - Annual Progress Report | April 2017 - March 2018 14

ANNUAL HIGHLIGHTS 3

1

CDFI’s technology platform Sunidhi is being used PMMVY Scheme and Platform Launch
in the implementation of India’s largest maternity by Smt. Maneka Gandhi
benefits program. The program was launched
by Hon’ble Minister of Women and Child
Development (MoWCD), Smt. Maneka Gandhi on
1st September, 2017.

Up until 31st March 2018, Sunidhi for Pradhan
Mantri Matru Vandana Yojana (PMMVY) has
processed payments worth ₹ 257 crore in the
bank accounts of 10, 96, 839 pregnant women
across all states and UTs except three (3).

BENEFICIARIES PAID

10,96,839

CDFI - Annual Progress Report | April 2017 - March 2018 15

2

Chhattisgarh has taken to SANKALP, CDFI’s data analytics platform, in a big way. SANKALP is being used
by the State Government to identify beneficiaries for two of its benefit delivery programs: Sanchar
Kranti Yojana ( 55 lakh rural women beneficiaries being identified ) and
PM Awas Yojana – Gramin.
27 District Collectors and 42 CM Fellows are also using SANKALP to identify potential beneficiaries of social
schemes.

CDFI team giving SANKALP demo to NIC Chhattisgarh on
3rd February, 2018 at NIC Office in Raipur

National Informatics Centre (NIC) has shown interest in centrally hosting SANKALP with
Socio Economic Caste Census (SECC) data.

CDFI - Annual Progress Report | April 2017 - March 2018 16

3

Nutrition delivery is being tracked using
CDFI’s Benefit Entitlement Tracking Solution (BETS)
across 44 anganwadis in Mahabubnagar, Telangana
following the signing of tripartite MoU with District
of Mahabubnagar, Telangana and Aga Khan
Academy on 14th September, 2017.

Anganwadi workers using BETS are enrolling
beneficiaries, marking their attendance and
tracking nutrition delivery. Currently, nutrition
delivery to 1,672 children and mothers is getting
tracked on near-real time basis.

44 1,672 Steering Committee members along with CDFI team on
an anganwadi visit on 13th December, 2017 to
Anganwadis Beneficiaries Mahabubnagar district

Looking at the success of BETS pilot, mechanism to
scale the solution to anganwadis in other districts
of the State is being established.

CDFI - Annual Progress Report | April 2017 - March 2018 17

TELANGANA STATE HAS
NOMINATED BETS

ANGANWADI PROGRAM FOR
FOLLOWING AWARDS

National Awards on e-Governance Prime Minister’s Awards for Excellence
2017-18 Department of Administrative in Public Administration-2018

Reforms and Public Grievances

CDFI - Annual Progress Report | April 2017 - March 2018 18

4

More than ₹ 3.2 crore has been transferred in the ₹ 32 million
bank accounts of 163,102 TB patients for transferred
adherence to their course through BETS following
its integration with government’s e-Nikshay 163,102 TB
program. patients benefitted

CDFI is in discussions with Revised National TB
Control Program (RNTCP) team to integrate BETS
with their TB system (that will replace the
existing eNikshay program).

5

400 villages Maharashtra’s Village Social Transformation
10 lakh people Foundation (VSTF) is executing, tracking and
getting impacted managing its rural transformation programms
using a customised version of CDFI’s Sunidhi
platform. The program is covering 1,000 villages
with low Human Development Index and most
affected by drought. Currently, transformation
projects are being executed in 400 villages in rural
Maharashtra directly impacting more than 10 lakh
villagers.

CDFI - Annual Progress Report | April 2017 - March 2018 19

6

CDFI’s Rural Transformation Pack is being used to
create, execute and track rural development
programs.

Using SANKALP, the data is analysed to develop
village specific transformation plan. Sunidhi can be
used to execute, track and monitor activities under
village transformation plan.

Shri. Sudhir Gupta, MP, Mandsaur district has agreed
to use the Rural Transformation Pack for
transforming villages in his constituency. Currently
the solution is being piloted to transform a village
covered under Saansad Adarsh Gram Yojana (SAGY)
in his constituency.

CDFI team with Shri. Sudhir Gupta, MP,
Mandsaur at his adopted village on a field

visit on 17th November, 2017

CDFI - Annual Progress Report | April 2017 - March 2018 20

CDFI’s Kisan Advancement through Cashless 7
Innovation (KANCHI), a platform for digitizing
operations of farmer producer organizations (FPO)
went live on 10th April, 2017 in the district of
Kanchipuram.

KANCHI is being used by 14 FPOs in Tamil Nadu and Shri. Banwarilal Purohit, Governor, Tamil Nadu launching KANCHI
more than 10,000 farmers have been registered on on 14th March, 2018 at Raj Bhawan in Chennai accompanied by
the platform. Loans worth ₹ 73 lakh to 173 farmers ED, CDFI, Shri. Krishnan Dharmarajan, Managing Trustee, NAF,
and their repayments are getting tracked on the
platform. Milk Aggregation Portal is live in 8 Shri. S.S Rajsekar and ED, NAF, Dr. M.R. Ramasubramaniyan
collection centres with 677 milk farmers registered
on the module. Input Centre Digitization module
went live on 13th March, 2018.

₹ 37.6 lakh directly Financial profile of 10,000 8,867 farmers issued
transferred in 398 farmers is getting built digital share certificates
milkmen accounts
21
CDFI and Department for International Development
(DFID), UK have initiated KANCHI roll out across 20
FPOs in Bihar under Bihar Agriculture Growth and
Reform Initiative (BAGRI) . CDFI is also in discussions
with Dilasa Janavikas Pratishthan (an NGO in
Maharashtra) to implement KANCHI across
four (4) FPOs in Maharashtra.

CDFI - Annual Progress Report | April 2017 - March 2018

8

CDFI’s mobile based communication platform Samwad has been
customised to roll out MeitY’s digital financial literacy campaign
DigiVAARTA to drive adoption of cashless modes of payments. Content
has been developed in two (2) languages to engage mobile phone users
through interactive SMSs. Toll-free SMS based two-way communication is
the key requirement of the program. Therefore, CDFI worked with
multiple agencies to enable a toll free number 14444 for sending and
receiving messages for the program. Campaign is expected to be rolled
out shortly.

9

‘IPPB Dashboard’ , developed by CDFI, is
currently monitoring the roll out of 154, 000+
access points and 650 branches. The platform
is being used by over 800 users at central, circle
and branch levels. The dashboard offers rollout
progress of IPPB branches offering snapshots
of implementation progress at micro and
macro levels.

CDFI - Annual Progress Report | April 2017 - March 2018 Snapshot of ‘IPPB dashboard’ monitoring roll
out of branches and access points

22

1

CDFI is providing strategic and operational support to MeitY for managing government’s Digidhan mission.
CDFI team has been instrumental in design of two (2) incentive schemes : ‘BHIM Cashback Scheme for
Individuals’ and ‘BHIM Incentive Scheme for Merchants’ to popularize payments through BHIM UPI.

CDFI - Annual Progress Report | April 2017 - March 2018 23

11

Going Cashless – Perceptions, usage and ED, CDFI on CNBC TV18 segment
behaviour towards digital payments in India: ‘Note Ban and Digitization’
Pre and Post Demonetisation, a report based on a
research study conducted by CDFI in collaboration CDFI team member presenting the report
with Indian Institute of Management, Bangalore to Shri. Surjit Bhalla, PM’s Economic
was released in Bengaluru on November 7, 2017. 63% Advisory council

The release was extensively covered in the Prof. G. Raghuram, Director, IIMB and 24
media, in both print and online mediums. Shri. Krishnan Dharmarajan with others

The report was exclusively covered by CNBC TV-18 at the report launch at IIMB
on November 8, 2017 in a segment titled “Note Ban
and Digitization” featuring Shri. Krishnan
Dharmarajan, ED, CDFI. The coverage highlighted
key findings of the report as well as CDFI’s
commitment towards reducing financial inequities
by aiding innovative technologies.

Key Findings of the report

63%

Retailers inclined towards cashless payments

38%

Retailers willing to pay excess transaction charge of 1%

45%

Retailers intend to deploy PoS machine

CDFI - Annual Progress Report | April 2017 - March 2018

Other Key Updates

1

One (1) national and five (5) regional workshops conducted in Guwahati, Hyderabad, Bhopal, Chandigarh
and Thiruvananthapuram to increase awareness about electronic payments and receipts among
government officials.

Regional EPR workshops conducted across five (5) centres in the country

2

Through the months of September – October 2017, CDFI (in collaboration with MoWCD) trained nodal
officers / master trainers on the PMMVY platform across Bhopal, Delhi, Panchkula, Lucknow, Ahmedabad,
Patna, Bhubaneshwar, Pune, Guwahati, Bengaluru and Vijaywada.

Training workshop conducted in Training workshop in Bhopal
Ahmedabad on 21st September, 2017 on11th September, 2017
CDFI - Annual Progress Report | April 2017 - March 2018
25

3

A national level conference of Heads and Nodal officers of all 23 postal circles of India Post Payments Bank
(IPPB) was held on 4th August, 2017 wherein the CDFI team presented the IPPB Dashboard.

CDFI team presenting the IPPB Dashboard at the national level workshop 4

CDFI and Indian Institute of Corporate Affairs (IICA) conducted two (2) workshops
on effective implementation and management of CSR projects to a varied audience
comprising corporates, implementation agencies and NGOs on 10th August, 2017 and
9th November, 2017 in Delhi and Mumbai respectively. CDFI’s innovations in this space
were showcased in the workshop.

CDFI team presenting its innovations in
Delhi and Mumbai edition of
the workshop

CDFI - Annual Progress Report | April 2017 - March 2018 26

5

Sunidhi and KANCHI were showcased at a program organised by NABARD in Lucknow on 12th and 13th
October, 2017, attended by representatives of 44 voluntary organizations for managing rural transformation
projects.

ED, CDFI along with other dignitaries CDFI team showcasing its innovations to
lighting the lamp during inauguration voluntary organizations

6

Workshop with MPs and their representatives on CDFI partnered with PHD Chamber of Commerce
village transformation through SAGY and Industry to conduct a one-day orientation
program for representatives (Secretaries) of
CDFI - Annual Progress Report | April 2017 - March 2018 Members of Parliaments on ‘Village Transformation
through Saansad Adarsh Gram Yojana (SAGY)’ on
24th march, 2018. CDFI team took a session on the
role of digital tools and technology in improving
effectiveness and efficiency of SAGY programs. ED,
CDFI was a key speaker in the inaugural session
which was presided by Shri. Sudhir Gupta, MP,
Mandsaur, Madhya Pradesh. Shri. Vinay
Sahasrabuddhe, MP, Shri. C.R. Patil, MP and Shri. Atul
Tiwari, JS, MoRD were among other speakers.

27

7

CDFI participated and exhibited its innovations in the first edition of Financial Inclusion Global
Initiative (FIGI) Symposium, hosted by the Ministry of Telecommunications, Government of India
held in Bengaluru from 29th November to 1st December, 2017.

CDFI stall at the event Shri. Manoj Sinha, Union Telecom Minister, Shri. R. S
Sharma, Chairman, TRAI and Ms. Aruna Sundarajan,
Secretary, DoT having a conversation with the CDFI team

CDFI was the knowledge partner at an ASSOCHAM Conference on 8
‘Financial Literacy for women: Need, Challenges and Opportunities’ held
on 22nd March, 2018. Shri. Upendra Kushwaha, MoS for Human Resource
Development released a booklet, ‘Financial Literacy: Critical for
Meaningful Inclusion’, prepared by CDFI. ED, CDFI was key speaker at both
the inaugural and technical sessions of the conference. CDFI’s innovation
Samwad was also showcased at this event.

ED, CDFI speaking at the conference on financial Coverpage of the booklet ‘Financial
literacy for women: need,challenges and opportunities Literacy: Critical for Meaningful Inclusion’
CDFI - Annual Progress Report | April 2017 - March 2018
28

9

CDFI presented its approach and innovations in benefit delivery to an Indonesian delegation of senior
government officials on 19th July, 2017. The meeting was facilitated by Bill and Melinda Gates Foundation.

CDFI team with the Indonesian delegation

10

CDFI participated in a full-day workshop on enabling
Common Service Centres to facilitate small rural
taxpayers under new GST structure. The workshop
was inaugurated by the Minister for Law & Justice, IT
& Telecom, Shri Ravi Shankar Prasad on 29th May,
2017.

Shri Ravi Shankar Prasad inaugurating the workshop 29
CDFI - Annual Progress Report | April 2017 - March 2018

11

CDFI participated in the annual ICT4D conference held in Hyderabad, Telangana from May 15-18, 2017.
Shri. Krishnan Dharmarajan, ED, CDFI was a plenary speaker in the closing panel ‘Reflections: Moving the
needle forward on the use of data to achieve the SDGs’.

Annual ICT4D Conference in Hyderabad

12

CDFI signed a tripartite MoU with District of
Mahabubnagar, Telangana and Aga Khan Academy
on 7th September, 2017 for using CDFI’s
technology innovations for digital financial
inclusion and benefits delivery.

Shri. Ronald Rose, District Collector, Mahabubnagar,
Shri. Krishnan Dharmarajan, ED, CDFI and Dr.

Geoffrey Fisher, Head, Aga Khan Academy at the
signing of tripartite agreement

CDFI - Annual Progress Report | April 2017 - March 2018 30

13

CDFI signed an MoU with VSTF on 6th December, Shri. Krishnan Dharmarajan, ED, CDFI and Shri. Ramnath
2017 in the presence of Chief Minister, Subramaniam, CEO, VSTF signing MoU in the presence of
Maharashtra, Shri Devendra Fadnavis for
collaborating on a) Information dissemination of Shri. Devendra Fadnavis, CM, Maharashtra
government schemes via a digital platform; b)
Information dissemination for educating people on
various aspects of financial literacy; and c) Data/
information collection in order to create profiles of
farmers/villages/panchayats etc.

14

On 29th January, 2018 a team from The
Consultative Group to Assist the Poor (CGAP) visited
Raigad, Maharashtra along with the CDFI team to
understand how Sunidhi is being used for rural
development and rural transformation.

Sunidhi’s mobile platform being showcased to CGAP 31
team on their visit to Raigad, Maharashtra

CDFI - Annual Progress Report | April 2017 - March 2018

15

On 9th January, 2017, CDFI signed an MoU with Centre for Social and Behaviour Change (CSBC),
Ashoka University to promote social and behavioural change by way of improved learning,

communication and access, especially in areas such as digital payments, direct benefit transfers,
financial inclusion, health and nutrition, agriculture, social welfare programs of government.

16

CDFI signed an MoU with Assam Society for Comprehensive Financial Management System (AS-CFMS)
on 15th February, 2018 to jointly work towards strategizing and promoting various digital financial

inclusion initiatives including direct benefit transfer, financial literacy, encouraging cashless transactions
etc. within the state.

CDFI - Annual Progress Report | April 2017 - March 2018 32

17

CDFI’s efforts and projects were duly covered by more than
100 national and regional dailies and magazines. Prominent among them were:
Times of India, Financial Express, Hindu Business Line,
Deccan Herald, Business Standard, Money control, Outlook, Mint, India
Today, NDTV,ET Brand Equity, Navbharat Times etc

ED, CDFI’s article ‘The Road to Financial Inclusion
is Paved with Building Blocks of Financial
Literacy’ was published in Governance Now –
India Financial Inclusion Casebook, an annual
publication.

ED, CDFI’s interview on how CDFI innovations 33
help farmers was published in The Hindu
Business Line on 26th March, 2018.

CDFI - Annual Progress Report | April 2017 - March 2018

CDFI INNOVATIONS 4

01 SANKALP

First step in enabling DBT is to design benefit SANKALP provides

programs efficiently and effectively i.e. covering analytics and tools

intended beneficiaries only, providing adequate to design schemes in

and required benefit, defining benefit delivery scientific manner by plugging together multiple

process clearly etc. As per the Economic Survey databases such as population-related (SECC) or

2016- 17, the overall misallocation of funds on social scheme specific (PDS) and allowing to run various

programs is 17%, mainly due to poor planning. This scenarios. The platform enables benefit program

amounts to huge loss of resources and opportunity design (creation of new schemes and modification

to uplift the underprivileged. In order to help policy of existing benefit schemes) based on various

makers design or modify social programs and socio-economic conditions of the individuals /

identify beneficiaries for whom these programs households. SANKALP has been specifically

are intended, CDFI developed a web-based analytics developed to address the requirements for

platform SANKALP (Scheme Analysis and Knowledge designing benefit schemes for the Central and State

Aggregation for Launching Programs). SANKALP Governments in India. The platform ensures clear

has been designed in close consultation with visibility of the final beneficiary and the benefits they

Expenditure Management Commission, Ministry of are receiving, which helps in minimizing inclusion

Finance, and with inputs from NITI Aayog and State and exclusion errors and in developing holistic social

Governments. benefit programs.

CDFI - Annual Progress Report | April 2017 - March 2018 CDFI team presenting SANKALP to State Planning
Commission, Chhattisgarh

34

IDENTIFYING BENEFICIARIES FOR VARIOUS SCHEMES OF CHHATTISGARH GOVERNMENT

SANKALP is being used by the Chhattisgarh Three (3) teams at CHiPS (Chhattisgarh
government to assess and design their schemes Infotech Promotion Society), 42 Chief Minister
using data from eight (8) different databases Fellows and 27 District Collectors have been
including State’s SECC and PM Awas Yojana trained and are using SANKALP to identify potential
databases. beneficiaries of social schemes.

Determine Po- Analyze Compare Schemes;
tential of Existing Population Compare Actual
Vs Potential
Scheme Data Beneficiaries

Monitor Existing
Schemes

Conduct
Surveys

Population Data Scheme
(Pluggable) Beneficiary
Data (Pluggable)

CENTRAL REPOSITORY Perform Impact
FOR SCHEMES Assessment

Auxiliary Data Functionalities of SANKALP
(Pluggable)

CDFI - Annual Progress Report | April 2017 - March 2018 35

CDFI has demonstrated SANKALP to Chhattisgarh’s SANKALP was also demonstrated to NIC which has
State Planning Commission who are keen to use shown interest in centrally hosting SANKALP with
SANKALP for assessing utilization of state’s SECC data. SANKALP has also been demonstrated
resources and has asked CDFI to enter into an to Ministry of Health & Family Welfare on how it
MoU for deploying SANKALP. can be used for designing National Health
Protection Scheme.
State’s Education Department is also interested in
using SANKALP for analysing the performance of
its scholarship schemes, students and teachers.

CDFI’s SANKALP is identifying 55 lakh
rural women beneficiaries in Chhattisgarh to provide them mobile phones.
Also, Identifying missed out eligible beneficiaries in PM Awas Yojana - Gramin

CDFI - Annual Progress Report | April 2017 - March 2018 36

02 SUNIDHI

Various schemes have been rolled out in DBT and enabling online approvals, monitoring
mode, however, there are myriad Central and State program delivery and tracking fund flow.
Government schemes that still need to be covered CDFI has therefore developed a cloud based
and adequately digitized. Schemes that are product Sunidhi for quickly rolling out
being delivered in DBT mode, either have a government’s social programs in DBT mode.
stand-alone system (which is expensive and time Sunidhi seeks to deliver different types of Centre /
consuming) or only the direct payment in the State Government’s benefit programs either in cash
bank account part has been introduced. An IT or in-kind in DBT mode maintaining complete track
system is therefore required to quickly of benefit delivery and fund movement.
implement schemes in DBT mode by bringing
multiple stakeholders together, linking with
external systems such as PFMS and Aadhaar,

CDFI team at the launch of PMMVY scheme 37
CDFI - Annual Progress Report | April 2017 - March 2018

Sunidhi is an end-to-end solution for defining account and tracking program milestones, benefit
benefit delivery mechanism and approval delivery and funds utilization. Sunidhi digitizes the
processes , onboarding benefit delivery providers , entire program implementation back-end thereby
onboarding beneficiaries, integrating with Aadhaar providing complete trail of fund utilization and
for beneficiary authentication / validation, the resulting impact.
integrating with PFMS for transferring funds in
beneficiary’s

Technology enabled program Payments made directly to
roll-out with conditional beneficiary’s bank account
cash transfers

End-to-end tracking of program Monitoring & assessment
activities & fund utilization of programs

Transparent & effective utilization of funds through Sunidhi

CDFI team training State Nodal Officers in Bhopal on PMMVY software 38
CDFI - Annual Progress Report | April 2017 - March 2018

PRADHAN MANTRI MATRU VANDANA YOJANA IMPLEMENTATION USING SUNIDHI

Sunidhi is currently being used in delivering the This is a nationwide program under which
country’s leading Direct Benefit Program for ₹ 5 ,000/- will be transferred, in three installments,
pregnant & lactating mothers, Pradhan Mantri in the bank accounts of pregnant and lactating
Matru Vandana Yojana (PMMVY), announced by mothers for fulfilling their nutritional requirements.
the Prime Minister in December 2016.

Seamlessly Integrated
with Aadhaar and PFMS

Aligned with LGD (Local Facility to Export Data
Government Directory) Codes to DBT Bharat Portal

Permits Beneficiary
to avail Benefits

over Multiple Pregnancies

Permits Migration of Comprehensive end-to-end
Beneficiaries Anywhere in India DBT Solution

All Scheme Conditionality
Verified by Software Application

As of 31st March 2018, 26 States and 7 Union Territories are In FY 2018-19, ₹2500 crore is expected to be transferred in
using the system and 21,48,296 beneficiaries have been the bank accounts of over 50 lakh pregnant and lactating
registered. Payments worth ₹257 crore have been made women.
to 10,96,839 pregnant and lactating women.

CDFI - Annual Progress Report | April 2017 - March 2018 39

03 BETS

Despite massive funds flowing into social BETS is a web and mobile
programs, development has been slow and there is based innovation that
huge mismatch between outcomes achieved and facilitates in-cash as well as
funds spent. One of the primary reasons behind this in-kind benefit delivery at the last mile.
poor performance is inefficient delivery and tracking BETS can be used to -
mechanisms adopted by various government • Digitize beneficiary data at source
departments leading to leakages and benefit not • Provide a unique framework to address core
reaching the ones who need them most. CDFI’s issues in benefit delivery such as authentication
technology platform BETS is trying to solve this and process monitoring in a transparent manner
problem by delivering and tracking benefits at the • Transfer funds directly in beneficiary’s account or
final mile using a basic smartphone. Use of a smart in case of in-kind benefits, validate that benefit
digital solution will enable plugging the leakages in has been delivered and transfer funds directly in
benefit delivery and ensuring benefits are provided service provider’s bank account
to the intended beneficiaries. • Simplify inventory management
(in case of in-kind benefits)
• Facilitate reconciliation between the sponsor and
service providers

CDFI team member enrolling beneficiaries at an anganwadi in
Mahabubnagar,Telangana

CDFI - Annual Progress Report | April 2017 - March 2018 40

TRACKING BETS is now being used by Telangana government to track nutrition
NUTRITION DELIVERY delivery to children and women at anganwadis in Mahabubnagar district.
IN ANGANWADIS IN Currently the solution has been rolled out across 44 anganwadis and
TELANGANA nutrition delivery to 1,672 beneficiaries - 699 women and 973 children, is
getting tracked on daily basis. Anganwadi workers are using BETS to enrol
beneficiaries, mark their attendance and track nutrition delivery. CDFI is
currently working with District Collector, Mahabubnagar to scale the
solution across all 1,883 anganwadis in the district.

BETS has been integrated with eNikshay suite (a web based solution for CASH INCENTIVES
monitoring TB patients) to ensure processing of payments in the form of TO TB PATIENTS
reimbursements and incentives to TB patients and agencies (chemists,
labs, doctors, compounders and patients). BETS tracks patient’s adherence to FOR COMPLETING
the course and on achievement of certain milestones cash is transferred in the TB COURSE
respective bank accounts.

So far, using BETS, more than ₹ 3.2 crore have been transferred into the bank
accounts of 180,000 beneficiaries (163,102 TB patients and 14,655 agencies)
for adhering to the treatment cycle.

Discussions are underway with Revised National TB Control Program (RNTCP)
team to integrate BETS with their TB system (replacing old eNikshay platform).

CDFI team member explaining the
usage of BETS to an anganwadi worker

CDFI - Annual Progress Report | April 2017 - March 2018 41

04 SAMWAD

Leveraging the presence of more than 100 crore dialler, namely ‘DigiVAARTA’. The program is
phone users in India, CDFI has supported a digital expected to reach out to 6 crore citizens and
learning and outreach platform Samwad. It is an engage at least 70 lakh of them by June 2018. CDFI
interactive, adaptive and multilingual mobile based has developed the content for the promotion using
platform to engage and interact over mobile app, Samwad and has got the required approval from
SMS and IVR. Samwad has been developed for TRAI for rolling out the DigiVAARTA campaign. CDFI
delivering financial literacy campaigns as nearly worked with NIC to enable a toll free no 14444 for
76% of adult population in India does not sending and receiving messages. DigiVAARTA
understand even the basic financial concepts. content has been developed in two languages.
Samwad can also be used for effective outreach,
awareness and assessments as it directly engages Samwad is also being considered by Assam
with individual mobile phone subscriber. As part of government for designing awareness campaign for
government’s drive towards promotion of digital ASHA workers on incentives available to them for
payments, MeitY sought the support of Samwad for enhancing their income.
promotion of digital payments to interact with
citizens through SMS, mobile app and out-bound

CDFI - Annual Progress Report | April 2017 - March 2018 42

05 RURAL
TRANSFORMATION PACK

CDFI customised Sunidhi for implementing the corporate contribution. A dedicated fellow has
Maharashtra’s Village Social Transformation been assigned to a cluster of 3-4 villages who is
Foundation’s village modernization program under responsible for creating projects for the villages,
which 1,000 villages (which are worst affected by identifying service providers and monitoring
drought and have low Human Development Index) implementation. CDFI developed a mobile
are being transformed in the State. Projects to be extension of Sunidhi for fellows to create, execute
undertaken under this program will provide digital and track projects in their respective villages. VSTF
connectivity, water security, skills training, and team, government officials and corporates use
improved agricultural, education, health and Sunidhi’s web portal to manage and monitor
sanitation facilities to the villagers. A novel hybrid program implementation at the villages. Currently,
mechanism for executing and funding village transformation projects are being executed in 400
transformation projects has been devised by the villages in rural Maharashtra by 150 fellows using
state. Several corporates have been on-boarded by CDFI’s solution.
the foundation to fund the program under an
arrangement where the State Government matches

CDFI - Annual Progress Report | April 2017 - March 2018 43

Using this experience of managing a state-wide program to transform targeted villages with corporate
support, CDFI carried out a field study to understand platform’s usage in managing other central and state
governments rural development programs such as Saansad Adarsh Gram Yojana (SAGY). CDFI team
accompanied Shri. Sudhir Gupta, Member of Parliament, Mandsaur to his adopted village to understand
SAGY implementation first hand. After studying various rural development initiatives, CDFI ascertained that
a common approach was being followed for execution. Typically, following approach is used for
implementing rural transformation programs - data collection, village specific plan development, followed
by execution and monitoring.

Workshop “Village transformation through Saansad CDFI Team with MP, Mandsaur,
Adarsh Gram Yojana” with MPs and their Madhya Pradesh
representatives on 24th March, 2018
44
CDFI - Annual Progress Report | April 2017 - March 2018

CDFI, therefore, used its existing innovations to SANKALP is being enhanced to analyse collected
develop a ‘Rural Transformation Pack’ for end to data and develop village specific plans. Analysis
end management of rural transformation and village development plan will be presented to
programs. The Pack consists of a mobile app for the MP, Mandsaur, Shri. Sudhir Gupta to initiate its
field level data collection, analytics platform for implementation using Sunidhi.
analysis and development of village specific
transformation plans and a web based platform, The Rural Transformation Pack was showcased
along with a mobile extension, to track activities at to MPs and their representatives in a workshop
the field level. Through its Rural Transformation conducted in Delhi on 24th March, 2018.
Pack, CDFI is collecting household level data from
two (2) villages in Mandsaur, Madhya Pradesh
where 600 households have been surveyed.

PLANNING

Data 1 Collect village
Collection and household data

App 2 Conduct surveys
(Impact assessment)

1Analyse Data Analytics
Platform
2
Develop VDP

CDFI - Annual Progress Report | April 2017 - March 2018 45

EXECUTION & TRACKING

1 Create Projects Geotag Assets 3
and Allocate Work Created

2 Document
Completed Work

Project Tracking App

2 Approve VDP and 1 4
Allocate Funds
Create users,
3 Monitor Activities Committees & Approval
(MIS and Dashboard)
Workflow

Make Payments to
Service Providers

Track Fund Utilization & 35
Generate Reports

Program Management 46
Platform

CDFI - Annual Progress Report | April 2017 - March 2018

06 KISAN ADVANCEMENT
THROUGH CASHLESS INNOVATION (KANCHI)

Once cash is in the bank accounts of excluded KANCHI is a web and mobile-based platform
segments (through DBT) , technology interventions digitizing typical activities of an FPO such as input /
are required to link their other income sources to output aggregation, milk collection, farm equipment
bank accounts and to provide avenues to transact leasing, lending and repayment and market
digitally so as to capture their accurate financial linkage. KANCHI supports digital payments and
profile for easy access to affordable credit. With seeks to throw light on rural house holds’ income
agriculture (and related activities) being the main generation capabilities and their credit worthiness.
source of income for majority of poor and excluded It captures FPO’s and individual farmer’s lending
segment of Indian population, CDFI’s approach is to and repayment information. Financial Institutions
support government’s initiative to organize farmers’ can use this information to provide credit to these
businesses and operations under Farmer Producer farmers based on their loan repayment capabilities
Organizations (FPOs). CDFI in collaboration with and behaviour.
National Agro Foundation has developed a platform
- KANCHI that digitizes the operations of FPOs and
digitally captures business / financial transaction.
Financial transactions arising on account of such
organized economic activity, when enabled through
bank accounts in formal financial institutions, keeps
the individual farmer’s account active and effectively
links him / her to a financial institution.

CDFI - Annual Progress Report | April 2017 - March 2018 A milk farmer milching cow in aggregation centre in
Uthiramerur, Tamil Nadu

47

KANCHI is a technology platform for FPOs that KANCHI is digitizing processes and payments

puts farmers at the center. KANCHI digitizes the related to buying and selling of inputs such as

entire business operations and financial activities seeds and fertilizers, leasing of farm equipment,

of an FPO, links FPOs and farmers with all the and selling of milk at local milk aggregation centres.

stakeholders in the value chain including

agriculture markets, maintains the entire profile of

a farmer and his/her household, including financial

history.

VARIOUS MODULES OF KANCHI

Market
Access

FPO Run
Shops

Farmer Investor
Services

Warehouse Milk Aggregation
Digitization and Sales

Farm Produce Loan and
Equipment Aggregation Recovery system

Leasing 48

CDFI - Annual Progress Report | April 2017 - March 2018

Development Current Status 8,867 farmers
under progress of KANCHI issued share
certificates in

14 FPOs

Warehouse Farmer
Digitization Investor
Service
& Market
Access

Development Produce FPO Run Live since
under progress Aggrega- Shops 13th March

tion 2018

Loan and Farm
Recovery Equipment
System
Leasing
Tracking Loans Milk
Aggrega- Testing
worth ₹ 7.3 tion and under way

million provided Sales

to 173 Farmers

Live in 8
Collection Centres

with 672 milk
farmers pouring

milk daily

CDFI - Annual Progress Report | April 2017 - March 2018 49

07

SUPPORT TO MINISTRY OF ELECTRONICS AND
INFORMATION TECHNOLOGY (MeitY) FOR
IMPLEMENTING DIGIDHAN MISSION

Ministry of Electronics and Information Technology (MeitY) is the nodal ministry for spearheading
promotion and adoption of digital payments in the country. The government has launched Digidhan
Mission in the Union budget of 2017-18 with a target of 2500 crore digital payment
transactions. MeitY which is heading the Digidhan Mission is also responsible for creating
requisite enabling infrastructure for government’s digital payments service delivery, electronic
payments and receipts (EPR) and direct benefit transfer program.

• CDFI is thus supporting MeitY by providing strategic support for Digidhan Mission
• The engagement with MeitY included preparation of an ‘EPR Framework for Government
Departments’ which has been adopted by the government

Further, CDFI assisted MeitY in structuring and conducting the dissemination workshops (national
and regional) on EPR framework in partnership with National Payment Corporation of India.

CDFI - Annual Progress Report | April 2017 - March 2018 50