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CASH-NON CASH BENEFIT TRANSFER UNDER BHAMASHAH YOJANA

Jaipur,The State Government has introduced Bhamashah Yojana to transfer cash and non-cash benefits of the public welfare schemes in a transparent manner directly into the bank account of the beneficiary with the help of Micro ATM machines and PoS (Point of Sale) machines.
The Bhamashah Cardholder now will be able to reap the benefit of withdrawing upto maximum of Rs.2000 per day or paying for utility service such as water, electricity bills from e-mitra centers, in the same way just as the payment is made in any big shopping mall, modern restaurant or a luxury hotel through swiping debit-credit cards.
Twelve thousand ‘Micro ATM machines' at e-mitra centers/BC-
          The State Government has signed an agreement with the State Bank of India, Bank of Baroda and Punjab National Bank for providing Micro ATM machines at e-mitra centers/Business Correspondents (BC) situated in rural areas. The Government has planned to establish at least one Micro ATM at every Gram Panchayat to provide core banking facility at the door step of the residents. The ordinary residents along with the Bhamashah beneficiaries can avail the facility of withdrawal, deposit and checking their balance of their bank account through these Micro ATM machines. Where there is no banking facility available in far flung areas, the e-Mitras are being appointed as BC for the banks to provide banking facilities, with the help of State Bank of India 12000 Micro ATMs have already been setup in the state out of which around 8000 are in rural area. The Govt. is in process to have an agreement with Bank of Baroda and Punjab National Bank for setting up 20000 more such Micro ATMs in the state specially in rural areas. The Micro ATM machines operate just like an ordinary ATM machine on the swipe of the credit/debit cards of the banks.
Non-cash benefit through POS (Point of Sale) machines
          The PoS (Point of Sale) machines are being deployed at the Fair Price Shops (FPS) to facilitate the Aadhaar enabled delivery of the non-Cash benefits such as wheat, sugar and kerosene oil etc. The State Government has sanctioned Rs. 53 crores to equip all the FPS with these PoS machines.
In the first phase commencing from the month of September, 8 districts viz. Ajmer, Tonk, Sikar, Jhunjhunu, Dholpur, Baran, Bundi and Jhalawar have been chosen for the distribution of ration through the Aadhaar enabled PoS machines. The ration dealers of these districts are being trained to deliver ration through the Aadhaar enabled PoS machines. Kota, Alwar, Jaipur, Jodhpur, Bikaner, Udaipur and Bharatpur shall be taken up in the second phase. Thereafter, distribution of non cash benefits will commence in the remaining districts under the third phase.
 Process of Distribution of Ration through PoS
          The resident has to tell his/her Bhamashah number (if has been issued Bhamashah card) to the FPS dealer.  As the Bhamashah number is Aadhaar enabled, the Biometric identity (Finger prints) of the member shall be captured on the PoS and he/she will be authenticated through the Aadhaar and details of the quota of ration registered in the PoS machines shall be displayed. The resident shall choose the quantity and shall pay the amount. He/she will get the receipt describing quantity, price and total cost of the ration and also the balance quantity (if any) for the month.
          These PoS machines will remain connected with the server of Food & Civil Supplies Department and Bhamashah Data Hub through internet. It will not only help ensure effective monitoring of the ration received by the beneficiaries and the remaining quota available with the ration dealer but also ensure the distribution of ration in a simple and transparent manner. The ration dealers have been strictly instructed to distribute ration through PoS machines after taking biometric identity.
          The purpose of Bhamashah scheme is to deliver all the government benefits to the residents in an affective and transparent manner. Those residents who do not possess Bhamashah Card shall continue to avail benefits as usual till their enrollment in Bhamashah.