Management Information Systems

Group Assignment

An Analysis of the effectiveness Pradhan

Mantri Gramin Digital Saksharta Abhiyan

Submitted By –

Group 2 (Section 4)

 Jayant Kumar - FT204038

 Karan Wadhawan - FT204044
 Priyadarshini Tripathy - FT204063
 Mayank Kumar - FT204051
 Nimisha Gupta - FT204057
 Rohit Raj - FT204070

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Introduction
As per the Pradhan Mantri Gramin Digital Saksharta Abhiyaan, the rural masses from the age of
14 till 60 will be given 20 hours of training regarding Digital services and platform. The scheme
has been implemented (extended till March 31st, 2020) across PAN India with a vision of
targeting 6 crore Indians.

Eligibility for the scheme is that the household (a unit) having spouse, head of the family and the
children, these families who have no member as digitally literate will be considered and will be
counted eligible for the scheme.
Following is the detailed Entry criteria:
 The beneficiary must have no digital competencies
 Only one individual per eligible family would be viewed for training
 Persons within the age of 14 to 60 will be considered
 Priority would be given to primary mobile phone users, Antyodaya households, university drop-outs,
Participants of the adult learning operation/mission, digitally uneducated school students between the
classes 9th to 12th given that the provided facility of Computer/ICT Exercise is not present in their
educational institution.
 SC, ST, women, BPL, differently-abled persons, and the minor segment of society will be preferred
further.
 The proof of identity of the recipients would be carried out by CSC-SPV in dynamic collaboration
with, Block Development Officers and the DeGS, Gram Panchayats. The listing of such beneficiaries
would be made reachable on the scheme portal. The end to end execution and implementation of the
Scheme will be supported out beneath the overall supervision of Ministry of Electronics and IT in a
lively collaboration with States/UTs via their special State Implementing Agencies, District e-
Governance Society (DeGS), etc.

Training Partners

The Scheme envisions affiliating units like NGOs/ Corporates/ Institutes, keen on providing the
digital literateness training, as a Training Partner they will be subject to meeting recommended
norms. Below are the prescribed norms: -

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 An education accomplice ought to be an employer registered in India, conducting business in
the area of education/ IT literacy for greater than three years and having Permanent Income
Tax Account Number (PAN) and audited statements of accounts for at least closing three
years.
 The institution/organization must be registered underneath any act of law in India, e.g., in the
case of a corporation it should be registered with the Registrar of Companies, in case of
Society, it ought to be registered with the Registrar of Societies and so on and so forth.
The accomplice needs to have actually defined objectives, well-documented procedures and
which will be covering the complete curricula and range of the education.

Role of a Training Partner

 A coaching partner shall be accountable to have or appoint the Training Centers in

the identified Blocks/ Districts/ Gram Panchayats that would impart digital education coaching to the
beneficiaries.
 Training accomplice shall be responsible for ensuring that the training centers follows the guidelines
set by the PMGDISHA.
 A training partner shall be responsible for observing that the end to end working of the centers that
are under its area of jurisdiction.
 A training partner shall be held responsible for the precise and appropriate reporting of the above-
mentioned work allocated to the centers.

As this is a short duration course with competencies, which will be useful for a lifetime, rural
India will be trained on the current as well as evolving technologies which will help them in
multiple ways. Technologies like Navigation, e-wallet, digital locker, UPI, etc. will not only help
them in managing their daily activities but will also support them in many complexes and
multifaceted digital domain. This scheme will act upon the following given fronts:

1. The basics of digital terminology and services.

2. How to use a digital platform for creating, accessing, sharing, and managing the
information.
3. Ways to use the internet and the primary usage of the browser.
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 4. The everyday use of the digital platform in personal, social, and occupational domains.
5. Use of various cashless E platforms including UPI, E-wallets, Pos, cards, USSD, etc.
6. Digital locker as well as online citizen-centered services (Banking, IRCTC, Insurance,
electricity bill payments, PAN, Passport, voter card, mobile recharge, etc.)

Training Curriculum

 Introduction to the Digital Services and Infrastructure

 Operating the digital services on various platforms
 Introduction to the Internet and its uses
 Communications and networking using the Internet
 Application and utilities of the Internet

To make above more meaningful, we need to evaluate the current level of digital services
which are present/Work is in Progress, which will further amplify the effect of such pieces of
training.

1. BharatNet: World’s most massive scheme to provide the broadband access to 2.5 lakhs
Gram Panchayats across PAN India with the given speed between 2 Mbps and 20 Mbps.
It will be readily available on non-discriminatory basis to all the households as well as
on-demand in capacity to all the institutions.1.34 Lakhs of Gram Panchayats have already
been covered with 1.22 lakhs in operation, and 3, 60,186 kilometers of optical fiber has
already been laid, Number of users utilizing the services: 12 Lakhs, Total data consumed
per month – 64000 GB’s. The entire project is funded by the Universal Service
Obligation Fund (USOF), whose main aim is to improve the connectivity infrastructure
and the services in the remote and the rural parts of our country.

2. CSC 2.0: It focuses on to establish a self-sustaining network of 2.5 CSC at each of the
Gram Panchayat presents. Pradhan Mantri Gramin Digital Saksharta Abhiyaan uses this
to provide LMS based training.

4
 Key Features of CSC 2.0 scheme are:
A self-sustaining community of 2.5 lakh CSCs in Gram Panchayats
A large bouquet of e-services which are provided through a single delivery platform
Standardization of offerings and ability constructing of stakeholders
Localized Help Desk support
Sustainability of VLEs through most commission sharing
Encouraging more female as VLEs

3. Deen Dayal Upadhyaya’s Gram Jot Yojana: It aims to provide the continuous power
supply to entire rural and the remote part of our country. The government has planned to
invest $11 Billion under this initiative. The DDUGJY scheme will allow initiating plenty
awaited reforms in the rural areas. It focuses on feeder separation (rural households &
agricultural) and further improve the sub-transmission and the distribution infrastructure
inclusive of metering at all tiers in rural areas. This will help in presenting spherical the
clock energy to rural households and ample power to agricultural buyers. The Ministry of
Power has launched a new mobile-based application whose main aim is to provide the
data in real-time regarding all six lakh villages of the country. The app is envisaged to
make certain transparency in the execution of rural electrification initiative.

Image credits: http://www.ddugjy.gov.in/

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 4. Direct Benefit Transfer: Direct Benefit Transfer or DBT is the strive to exchange the
mechanism of transferring subsidies launched with the aid of Government of India on 1
January 2013. This application aims to transfer allowances without delay to human
beings through their financial institution accounts. It is hoped that crediting subsidies into
bank money owed will minimize leakages, delays, etc. The primary aim of this Direct
Benefit Transfer program is to convey transparency and terminate pilferage from
distribution of funds subsidized with the aid of Central Government of India. In DBT,
gain or subsidy will be immediately transferred to citizens living below poverty line.

Some key facts from this scheme:

 Rs.85409 Cr worth of total direct benefit has been transferred in the fiscal year 2019-20
 74 Cr+ transactions have ben occurred in this fiscal year
 Total 441 schemes are related to it with more than 55state and center ministers
 Rs.141667 Cr of gains can be estimated till date

Image Credits https://dbtbharat.gov.in

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 Image Credits https://dbtbharat.gov.in

5. Accelerating the upgrade projects of various existing schemes like Digital Villages 2.0
and Digital Gaon project and One Lakh Digital villages.

‘Digital Village’ generally refers to a village that has a voice as nicely as data connectivity.
Though no longer specified, the assumption is that both are of sufficiently excessive quality, with
bandwidth accessible for most frequently used Internet purposes to work on computers, pills, and
mobile phones. Once we have realized the concepts of above villages (smart), these will increase
the productivity of its residents in all spheres of life, including health, agriculture, governance,
and most important education.

The most obvious advantages are the digitization of records, attendance and examination papers.
But the positive aspects are an awful lot greater far-reaching in the area of e-Education. Students
can no longer only get entry to on the spot records about anything, however study a whole lot
better when digital school rooms open up the possibility of live and experiential education. A
digital lecture room is regularly no greater than a connected computer attached to a projector, but
it opens up new magical worlds to students. On the different hand instructors can prepare better
lesson plans and engage in participative educating a lot easier.

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 6. E-Kranti – This is the most important pillar under the Digital India initiative. It was
launched under the guidance of Department of Electronics and IT with the following key
points in mind:
 Expertise for securities
 Expertise for justice
 Expertise for financial inclusion
 Technology for Health e-healthcare
 Expertise for Education e-education
 Technology for Farmers.

So, from the above abstract, it can be inferred that the Government of India is following the
holistic approach to develop and digitize rural India. To understand and take benefit of existing
as well as planned IT- Digital infrastructure, the schemes like Pradhan Mantri Gramin Digital
Saksharta Abhiyaan plays an important role.
As we all have a dream to see India more digital, but this can’t be possible without making
people digitally literate. Under this scheme the primary government target is to make at least one
person from each family digitally literate by 2020. With the help of this program, the digital
mode of payment has reached to the villages and the remote areas. The number of digital cash
has increased after the government has launched this program. As the internet has been
penetrated to the communities also and the digital payment also. People are using the digital
mode of payment to recharge their mobile phones. The data shows that there is a continuous
growth in digital payments in rural areas. Nowadays we can see in many villages which are near
to the cities and town; the shopkeepers are accepting the Paytm and sometimes the fruit vendors
on the highways are also accepting the digital mode of payment. People are using the internet to
pay there bill also. The sugarcane farmers in the UP are also using the mobile to see if their
sugarcane prices are sent to their bank accounts or not. They are using the mobile app too for the
agriculture relates assistance from the government. They can now see the LPG subsidy also with
the help of mobile. The people have become aware, and now they can open their bank accounts.

8
 Image Credits: http://www.vnl.in/

The following are some of the questions which are relevant after going through the
literature review:
 How do adults in rural areas perceive the importance of digital literacy?
 What additional Steps/Measures can be taken to make digital literacy attractive to the
Older generation?
 What are the impacts of various schemes implemented by the government of India to
improve digital?
Literacy in India?
 What are the barriers to improving the digital literacy rate in India?
 How effective is this program in pushing the digital payments to rural areas?

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 What is the impact of Pradhan Mantri Gramin Digital Saksharta Abhiyan on the business
of
The people in rural areas?
 Throw some light on how digital literacy can be handy in vocational training of rural
people
And its impact on the current economic system.
 In terms of acclimatizing the rural people with digital literacy, what steps is the
government
Taking with respect to important banking and financial concepts?
 What steps/measures can be taken to increase the awareness of digital literacy among
Women in rural areas?
 What is the potential impact of digital literacy on women empowerment in rural areas?
 In the long run, this scheme will evolve the citizens by 360 degrees, but what all will be
the
Short-term impacts of this, especially in the rural side of India?
 Is digital literacy a real need of the village people? Is this project required or is the govt.
Over-ambitious?

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 The below is statewide data for the individuals who sign up, complete the training as well
as get certified.

State Name Student Registered Training Completed Certified Students

Andaman and Nicobar Islands(AN) 226 58 18
Andhra Pradesh (AP) 603749 397999 286010
Arunachal Pradesh (AR) 2904 914 612
Assam (AS) 1557395 1183626 897616
Bihar (BR) 2133930 1571842 1128452
Chandigarh (CH) 0 0 0
Chhattisgarh (CG) 1548072 1229066 923929
Dadra and Nagar Haveli (DN) 858 291 234
Daman and Diu (DD) 625 423 293
Delhi 2 2 0
Goa (GA) 253 95 77
Gujarat (GJ) 1333087 1079288 774809
Haryana (HR) 1242773 998375 743180
Himachal Pradesh (HP) 155184 95245 69299
Jammu and Kashmir (JK) 294418 224369 167650
Jharkhand (JH) 1436900 1056731 763643
Karnataka (KA) 580133 419548 289829
Kerala (KL) 29198 12577 9915
Lakshadweep (LD) 15 0 0
Madhya Pradesh (MP) 1977990 1494221 1043422
Maharashtra (MH) 1431623 1058612 768304
Manipur (MN) 8616 4639 2830
Meghalaya (ML) 66752 42717 26838
Mizoram (MZ) 6886 4599 2601
Nagaland (NL) 4012 2666 1953
Odisha(OR) 1590462 1158465 871389
Pondicherry (PY) 10361 6861 48147
Punjab (PB) 822935 68798 530745
Rajasthan (RJ) 1473318 1100972 814368
Sikkim (SK) 248 68 44
Tamil Nadu (TN) 577361 463198 328343
Telangana (TS) 425794 326120 234479
Tripura (TR) 91232 56371 42579
Uttarakhand (UK) 316516 246083 184940
Uttar Pradesh (UP) 6260678 4820507 3491735

11
 Net

0
1000000
2000000
3000000
4000000
5000000
6000000
7000000
Andaman and Nicobar…
West Bengal (WB)

Andhra Pradesh (AP)

Arunachal Pradesh (AR)
Assam (AS)
Bihar (BR)
Chandigarh (CH)
Chhattisgarh (CG)

Chhattisgarh (CG)
Jammu and Kashmir (JK)
Meghalaya (ML)
Uttar Pradesh (UP)

Arunachal Pradesh (AR)

Maharashtra (MH)
Nagaland (NL)

Goa (GA)
Haryana (HR)
Pondicherry (PY)
Rajasthan (RJ)

Bihar (BR)
Lakshadweep (LD)
Tripura (TR)

Daman and Diu (DD)

Tamil Nadu (TN)

Karnataka (KA)

Andaman and Nicobar Islands(AN)

Dadra and Nagar Haveli (DN)

0
Daman and Diu (DD)
Delhi
Goa (GA)
Gujarat (GJ)

500000
Haryana (HR)
Himachal Pradesh (HP)
Jammu and Kashmir (JK)
Jharkhand (JH)

12
Karnataka (KA)
Kerala (KL)
Lakshadweep (LD)
26747329
762823

Madhya Pradesh (MP)

Maharashtra (MH)

Certified Students
Student Ragistered

Manipur (MN)
Meghalaya (ML)
Mizoram (MZ)
Nagaland (NL)
Odisha(OR)
Pondicherry (PY)
Punjab (PB)
19603369
478023

Rajasthan (RJ)
Sikkim (SK)
Tamil Nadu (TN)
Telangana (TS)
Tripura (TR)
Uttarakhand (UK)
Uttar Pradesh (UP)
West Bengal (WB)

1000000 1500000 2000000 2500000 3000000 3500000 4000000

14807976
359693
 Below is the statewide data containing the percentage of individuals who complete their
training and/or get certified w.r.t. The initial number of them who have signed up.

Percentage of Registered Percentage of Trained

State Name
students becoming certified students becoming certified
Andaman and Nicobar
Islands(AN) 7.96% 25.66%
Andhra Pradesh (AP) 47.37% 65.92%
Arunachal Pradesh (AR) 21.07% 31.47%
Assam (AS) 57.64% 76.00%
Bihar (BR) 52.88% 73.66%
Chandigarh (CH) 0.00% 0.00%
Chhattisgarh (CG) 59.68% 79.39%
Dadra and Nagar Haveli (DN) 27.27% 33.92%
Daman and Diu (DD) 46.88% 67.68%
Delhi 0.00% 100.00%
Goa (GA) 30.43% 37.55%
Gujarat (GJ) 58.12% 80.96%
Haryana (HR) 59.80% 80.33%
Himachal Pradesh (HP) 44.66% 61.38%
Jammu and Kashmir (JK) 56.94% 76.21%
Jharkhand (JH) 53.15% 73.54%
Karnataka (KA) 49.96% 72.32%
Kerala (KL) 33.96% 43.07%
Lakshadweep (LD) 0.00% 0.00%
Madhya Pradesh (MP) 52.75% 75.54%
Maharashtra (MH) 53.67% 73.94%
Manipur (MN) 32.85% 53.84%
Meghalaya (ML) 40.21% 63.99%
Mizoram (MZ) 37.77% 66.79%
Nagaland (NL) 48.68% 66.45%
Odisha(OR) 54.79% 72.84%
Pondicherry (PY) 46.69% 66.22%
Punjab (PB) 64.49% 8.36%
Rajasthan (RJ) 55.27% 74.73%
Sikkim (SK) 17.74% 27.42%
Tamil Nadu (TN) 56.87% 80.23%
Telangana (TS) 55.07% 76.59%
Tripura (TR) 46.67% 61.79%
Uttarakhand (UK) 58.43% 77.75%

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 Uttar Pradesh (UP) 55.77% 77.00%
West Bengal (WB) 47.15% 62.66%
Below is the state-wise data showing the targeted individuals from each state and the
amount which the Govt. has reserved for each of the states.

Sr. Indicative fund Indicative Indicative fund

State/ UT Name
No. requirement (Rs. in crore) Targets requirement (Rs. in crore)
1 Uttar Pradesh 437.79 11171000 437.79
2 Bihar 259.83 6630000 259.83
3 West Bengal 175.61 4481000 175.61
4 Maharashtra 173.73 4433000 173.73
5 Madhya Pradesh 148.29 3784000 148.29
6 Rajasthan 145.47 3712000 145.47
7 Karnataka 106.01 2705000 106.01
8 Tamil Nadu 104.99 2679000 104.99
9 Orissa 98.64 2517000 98.64
10 Gujarat 97.86 2497000 97.86
11 Andhra Pradesh 79.48 2028000 79.48
12 Telangana 79.48 2028000 79.48
13 Assam 75.6 1929000 75.6
14 Jharkhand 70.66 1803000 70.66
15 Chhattisgarh 55.33 1412000 55.33
16 Kerala 49.26 1257000 49.26
17 Punjab 48.87 1247000 48.87
18 Haryana 46.67 1191000 46.67
19 Jammu & Kashmir 25.79 658000 25.79
20 Uttarakhand 19.83 506000 19.83
21 Himachal Pradesh 17.39 444000 17.39
22 Tripura 7.64 195000 7.64
23 Meghalaya 6.7 171000 6.7
24 Manipur 5.37 137000 5.37
25 Nagaland 3.96 101000 3.96
26 Arunachal Pradesh 3.02 77000 3.02
27 Goa 1.57 40000 1.57
28 Mizoram 1.49 38000 1.49
29 Sikkim 1.29 33000 1.29
30 NCT of Delhi 1.17 30000 1.17
31 Puducherry 1.1 28000 1.1
Andaman & Nicobar
32 Islands 0.71 18000 0.71
33 Dadra & Nagar Haveli 0.51 13000 0.51
34 Daman & Diu 0.15 4000 0.15
35 Chandigarh 0.08 2000 0.08

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 36 Lakshadweep 0.04 1000 0.04
Total Total Rs. 2351.38 60000000 Rs. 2351.38
INDICATIVE FUND REQUIREMENT/ ALLOCATION

Andaman
Dadra &&Nagar
Nicobar
Himachal Arunachal
Pradesh
Meghalaya
Tripura
Uttarakhand
JammuHaryana
& Kashmir Nagaland
Manipur
Lakshadweep
Daman
NCT
Puducherry
Chandigarh
Mizoram
Sikkim
Goa
of
Pradesh
Delhi
&
Islands
Haveli Diu
Punjab 1% 0%
0%0%
0%
0%
0%
0%
Kerala 1% 2% 1% Uttar Pradesh
Chhattisgarh 2% 2% 19%
Jharkhand
2%
Assam3%
Telangana3%
3%
Andhra Pradesh Bihar
3% 11%

Gujarat
4%
Orissa
4% West Bengal
7%
Tamil Nadu
4%
Karnataka Maharashtra
5% 7%
Rajasthan Madhya Pradesh
6% 6%

15
 UTTAR PRADESH 11171000
BIHAR 6630000
WEST BENGAL 4481000
MAHARASHTRA 4433000
MADHYA PRADESH 3784000
RAJASTHAN 3712000
KARNATAKA 2705000
TAMIL NADU 2679000
ORISSA 2517000
GUJARAT 2497000
ANDHRA PRADESH 2028000
TELANGANA 2028000
ASSAM 1929000
JHARKHAND 1803000
CHHATTISGARH 1412000
KERALA 1257000
PUNJAB 1247000
HARYANA 1191000

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JAMMU & KASHMIR 658000
UTTARAKHAND 506000
SCHEME

HIMACHAL PRADESH 444000

TRIPURA 195000
MEGHALAYA 171000
MANIPUR 137000
NAGALAND 101000
ARUNACHAL PRADESH 77000
GOA 40000
MIZORAM 38000
SIKKIM 33000
NCT OF DELHI 30000
PUDUCHERRY 28000
INDICATIVE INDIVIDUALS TARGETED FOR THE

The below data shows the Modes of digital and E-payments in India

A N D A M A N & … 18000
D A D R A & N A G A R … 13000
DAMAN & DIU 4000
CHANDIGARH 2000
LAKSHADWEEP 1000
 Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar ‘18
Modes ‘18 ‘18 ‘18 ‘18 ‘18 ‘18 ‘18 ‘18 ‘18 ‘19 ‘19 (till 25th)
AePS 5.65 6.81 7.55 7.7 8.11 8.16 8.1 8.31 8.61 9.3 9.9 8.56
BHIM 0.00 0.00 0.00 0.0 0.00 0.00 0.00 0.00 0.00 0.00
Aadhaar 1 1 1 01 2 2 2 2 2 2 0 0
6.9
IMPS 6.51 6.67 6.58 1 7.57 8.29 8.81 8.95 9.8 9.96 9.9 9.21
0.0
USSD 0.02 0.02 0.02 2 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02
UPI + 1.1 10.4 14.5 15.1 17.1
BHIM 0.7 0.92 1.02 4 1.66 3.08 7.68 9 4 6 4 14.83
26.4 25.4 25. 26.5 26.5 27.8 27.0 29.2 29.8 29.8
Debit Card 26.8 7 7 56 4 3 4 9 4 6 6 NA
0.9
RTGS 0.95 1.04 0.98 4 0.95 0.96 1 1.08 1.09 1.16 1.06 NA
14.3 15.5 15.2 14. 15.1 15.7 15.8 17.0 16.5
NEFT 2 8 3 81 6 7 8 16.2 16.9 2 6 NA
21.2 19.4 19.6 20. 20.4 19.7 19.1 20.3 19.9
NACH 2 3 9 43 7 17.6 18.7 5 1 7 1 15.95
0.8
NETC 0.74 0.81 0.82 6 0.97 1.01 0.98 1.07 1.23 1.25 1.23 1.28
35.2 25.5 27. 26.1 24.0 24.5 23.6 31.9 36.1 36.1
PPI 2 27.8 6 02 1 3 2 2 8 2 2 NA
10.6 11.5 10.9 11. 11.5 11.2 12.3 11.5 12.3
Credit Card 6 3 5 07 3 6 4 9 7 13 13 NA
Closed
Loop 10.0 10.2 10. 10.8 10.6 10.2 10.4 10.4
Wallet 4 3 9.73 52 2 2 9 4 9 6.68 5.64 2.38

17
 Chart Title
Closed Loop Wallet
Credit Card
PPI
NETC
NACH
NEFT
RTGS
Debit Card
UPI + BHIM
USSD
IMPS
BHIM Aadhaar
AePS
0 50 100 150 200 250 300 350

Apr ‘18 May ‘18 Jun ‘18 Jul ‘18

Aug ‘18 Sep ‘18 Oct ‘18 Nov ‘18
Dec ‘18 Jan ‘19 Feb ‘19 Mar ‘18 (till 25th)

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The younger, as well as the middle-aged population of rural and remote part of our, have
understood the importance of enhancing the digital capabilities of the masses. They clearly can
understand the fact that digital technologies will impact each and every phase of their lives. The
health sector, education sector, ongoing payment portals, railway and various ticket bookings,
agriculture sector all these across many more can be further optimized using these. Not only the
youth but the older generation has also shown their keen interest in embracing the digital world.

Image credits: https://www.pmgdisha.in/latest-happenings/

Smt. Sitaravaama (Age 58) from Andhra Pradesh is the latest addition of persons getting
certified under PMGDISHA program.

Below are the potential barriers which affect the implementation of various Digital India
schemes:
 Lack of Auxiliary offerings such as health, education, banking, governance
 No separate entity for customer readdresses under the program.
 Infrastructure deficit such as lack of towers, in particular in the rural side.
 Implementing entities and their challenges in the real field.
 Beneficiaries may no longer value the initiatives as they don’t have any knowledge about
digital technologies.

The digital technologies will further bolster the business activity of the rural folks. The most
important of which is instant communication. Interacting with viable clients nowadays can be
like spinning a roulette wheel. Social media acts as the wheel itself, and

19
it permits agencies to have interaction with human beings in a public venue, imparting a channel
to promote products, offerings, and transparent messages. Second, is the availability of the
catalog as well as the content which can be accessed even in the remotest part of the country.
The third is the transparency as well as the removal of various political forces and the
bureaucracy with which the folks had to deal with prior to the advent of technology.

The next most significant advantage offered is the E- payment gateways. As the money switch
between digital accounts typically takes a few minutes, while a wire switch or a postal one may
additionally take countless days. Also, one will not waste your time waiting in lines at a financial
institution or publish office.
Even if any person is eager to carry his disbursements beneath control, it is indispensable to be
patient ample to write down all the petty expenses, which often takes a significant phase of the
total amount of disbursements. The virtual account contains the records of all transactions
indicating the shop and the quantity you spent. One can no longer neglect your digital wallet
someplace, and it can now not be taken away by using robbers. As for the electronic charge
system: a fee of this kind of operations consists of 1% of the total amount, and this is a massive
advantage. All the transfers can be carried out at anytime, anywhere. It's sufficient to have access
to the Internet.

We also found that there is not much which the Government of India has done specifically target
the rural women of our country for the purpose of enhancing their digital competencies. Here the
field has been taken by the Private players who are targeting rural women. Google and Tata
Trusts have jointly sponsored an initiative – Internet Saathi.

Internet Saathi develops nearby female trainers (Internet Saathi's) to teach other ladies on how to
use the internet, which in flip helps them improve their income and overall satisfaction of life.
Now, Internet Saathi is rolling out the initiative’s second phase: expanding from digital literacy
to digitally-enabled livelihoods, using empowering women to end up entrepreneurs and provider
carriers in their communities.

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Sectors such as banking, education, and healthcare are unable to reach the rural parts of the
country because of obstructions such as illiteracy, poverty, unavailability of proper funds, and
lack of investments. Hence the growth in the rural and urban areas has not been in accordance
with one another. It was very important that these differences were eradicated.
With digital literacy, people would be able to access smartphones, send and receive information,
do cashless transactions, gain knowledge online, take online classes and do certifications sitting
in remote locations. Students from classes 9th-12th as was aimed by the scheme would be more
tech-savvy and would find a better fit in today's competitive world. With the vast pool of
information present online and smartphone penetrations, people can self-train themselves and
also engage themselves in smart classes and virtual training. These things are aimed at increasing
the overall employment of the rural area, which would, in turn, impact the economy in a positive
way. Same is evident from the data provided.

Apart from improving employment, the scheme has been effective in increasing the digital
literacy of rural people. The number of bank accounts opened has grown and also the name of
digital payments which is evident from the data enclosed. Over 80% of people have bank
accounts now. With an increase in digital literacy, people of the rural front would become more
at par with the people of the urban areas and feel more competent in this digital-savvy world.
People already have the resources and the facilities required to compete in today's world, all they
need to know is how to use these, and the proposed scheme of bringing digital literacy would
provide them with the expected proficiency.

Observations and Insights:

 To impart digital education to over 6 crore individuals, the Government of India has
reserved only 2352 Crores of Rupees, which is about Rs.392 per individual. This amount
seems to be considerably less.
 Only 75% individuals who are trained are certified. As after the training process, the
candidates have to go through an end-term examination, if passed then only they are

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 given the certifications. Due to this very fact, there is a gap between trained and certified
individuals.
 Only 73% individuals complete the training process and only 55% of registered
individuals are certified. It shows that big percentage of students drops the course in
between.
 23% of the total registered candidates PAN India are from Uttar Pradesh. UP also
produces maximum certificate holders across India.
 The Government spends major chunk of money (Rs.437 Cr) on Uttar Pradesh and in turn,
have selected more than 1.2 Crore individuals from the state.
 Punjab is the brightest state having the highest Percentage of Registered students
becoming certified.

Suggestions and Recommendations

 The Govt. should spend more on per person. Privately organized professional training
centers charge about thousands of Rupees for such duration course whereas Govt. only
spends Rs.392. One can infer that the quality of education must have been deteriorated.
 The format which includes end term should be changed, as many trained individuals were
not able to clear the exam and get certified. More individual friendly and open ways to
evaluate must be stressed.
 Selecting 6 crore individuals is not sufficient as Rural India comprises of more than 88
crore individuals

Data Sources:

Data was collected having two key objectives in mind. The first set of data that is collected
measures the direct & impact effectiveness of the program Of Pradhan Mantri Gramin Digital
Saksharta Abhiyan. The second set of data was sourced from various online journals and news
article published in national newspapers. This data highlighted the indirect effects and impacts

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of Pradhan Mantri Gramin Digital Saksharta Abhiyan across all states in India. Impacts are
discussed later in the report.
 https://data.gov.in/resources/state-ut-wise-indicative-targets-and-funds-requirement-under-
pradhan-mantri-gramin-digital
 https://www.pmgdisha.in/students-count-list/
 https://www.gartner.com/
 http://www.vnl.in/
 Overview of other sources of data like newspaper articles and journals.

Excel sheets for further reference:

Training Data.xlsx

Indicative targets
and Indcative funds.csv

Individual Member Contribution:

Jayant Kumar:
1. Literature review.
2. Framing the data question on how these findings help to promote the business in rural
areas and how it will increase digital payment in rural areas
3. Collected the data about the digital payment in rural areas.(Excel file is attached)
4. Data collection, its analysis, and finding insights.
5. Documentation.

Karan Wadhawan:

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 1. Literature review.
2. Framing relevant research questions.
3. Data collection, its analysis, and finding insights.
4. Documentation.

Priyadarshini Tripathy:
1. Literature review.
2. Data collection, its analysis, and finding insights.
3. Framing questions on how this program helps in women empowerment.
4. Documentation.

Mayank Kumar:
1. Literature review and project topic ideation.
2. Research analysis of various existing technologies and infrastructure which could impact
Pradhan Mantri Gramin Digital Saksharta Abhiyan
3. Framing relevant research questions.

Nimisha Gupta:
1. Literature review.
2. Research analysis of various existing technologies and infrastructure which could impact
Pradhan Mantri Gramin Digital Saksharta Abhiyan
3. Documentation.

Rohit Raj:
1. Literature review
2. Project topic ideation.
3. Research analysis of various existing technologies and infrastructure which could impact
Pradhan Mantri Gramin Digital Saksharta Abhiyan
4. Framing relevant research questions.
5. Initial Data discovery and research

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