egov Awards 2010:egov Innovation

Government To Citizens

Nutrition Surveillance System

Department of Women and Child development & UNICEF


  • Effective co-ordination at policy and implementation level among various departments to ensure better child development
  • Proper monitoring of ICDS programme

The project that has been implemented in Chhattisgarh locates and tracks severely malnourished children dynamically, every month by name and their location. It also captures data from over 34,000 Integrated Child Development Services (ICDS) centres in the state and helps in providing meaningful information through analysis and reports. Through a complete system re-engineering, the NSS has strengthened the ICDS scheme of Chhattisgarh and initiated timely, life saving action for children of the state.

The Nutrition Surveillance System (NSS) was initiated with a vision to ensure easy analysis of information and to locate all severely malnourished children of the state every month, through a dynamic process. Since the effective implementation of ICDS largely depends on proper supervision, monitoring and co-ordination of the programme, it is critical to get a timely report of the “as is” scenario. The introduction of NSS has helped the state make the valuable data useable at different levels by ensuring easy analysis and feedback to improve performance. It also enables time wise analysis through graphs

generated at all levels—AWC, sector, project, district and state levels—and dual maps generated through GIS that have the time series analysis. Analysis has shown that over a period of time, the reporting system of ICDS has shown improvement both in terms of quantity and quality.


  • Improvement in nutritional and health status of children in the age-group 0-6 years
  • Reduction in incidence of mortality, morbidity, and malnutrition among children
  • Over 75% of AWCs currently reporting through the NSS

Online Scholarship Management System

Andhra Pradesh State Minorities Finance Corporation


  • Establish an automated and objective, rule-based transparent scholarship and fee re- imbursement calculation system
  • To make the state scholarship disbursement system more transparent and efficient

The OSMS project aims at enabling students from the minority community to apply online for fee reimbursement and scholarship scheme through the Andhra Pradesh State Minorities Finance Corporation (APSMFC) website. The scholarship is available for post-Matric students till the PhD level—including all professional courses like BTech, MTech, MBA, MCA, MBBS, MS, and MD.

The solution includes a disbursement gateway that interacts with the bank’s payment gateway and helps disburse scholarship amount directly into the students’ bank accounts, making the entire process more efficient, effective and accurate. The system also helps APSMFC avoid delays in disbursement, errors, scams, or subjectivity in awarding the scholarships.  OSMS also enables automatic reconciliation facility that is connected directly with the automated feedback mechanism of the partner banks. This enables reconciliation of all accounts within 24 hours of disbursement. Besides, since the scholarship is deposited into the students’ accounts, their fee is transferred to the respective colleges and institution’s account directly.  With the automation of the entire workflow, the solution has further helped make the process transparent, thereby eliminating chances of any dispute. It further helps update the workflow status automatically, with corresponding reports being published online. OSMS has also helped cut down on the number of processes involved—from 24 in the manual system to six.


  • Decrease in per student administrative expenditure
  • Over 100% increase in number of students benefiting from the scheme during last three years
  • 75% improvement in efficiency
  • Elimination of duplicate claims in the first year of automation


Malaysian Administrative Modernisation and Management Planning Unit


  • Create a single citizen reference number for all government transactions
  • Transformation of the country’s public service delivery mechanism

Launched in January 2010, MyID is the Government of Malaysia’s initiative to make the citizen identity card number as the sole reference number for all Malaysian citizens when dealing with Government agencies. The implementation of MyID applies to all government agencies at all levels. Overall, 600 government agencies—federal, state and local councils—are part of the project that provide all types of services related to citizens as an individual.

The project also enables citizens to transact with government agencies using their Identity Card Number no matter where they are through the various channels provided by the agencies, be it at the counter, through telephone, online, and short messaging system (SMS) or at the service kiosk. The use of MyID is also being looked upon as an initiative to cut down on the issuance of multiple reference numbers and hence the need for citizens to remember them. Instead, Malaysians will now have to remember only their Identity Card number to use government services and avail benefits. It also aims at helping the government agencies extend better services, provide convenient, hassle free and speedy transactions to the citizens. Besides, the country’s government is also looking at the use of MyID to expedite service delivery and eliminating problems arising from lost, untraceable or misplaced documents.


  • Better citizen convenience
  • Hassle free and faster delivery of government services
  • 1,230 citizen services listed within six months as part of the project making the use of MyID Number mandatory

Government TO Business

e-Procurement of Goods, Works and Services

Mahanadi Coalfields Limited & NIC


  • Better transparency in procurement process
  • Reduction in procurement cycle time
  • Standard-based, uniform tendering system across the company

As the name suggests, the project aims at automating the procurement process at the Mahanadi Coalfields Limited, a Mini Ratna PSU and fully owned subsidiary of Coal India Limited (CIL). The web-based e-Procurement system enables MCL to improve its purchase decision making process, thereby helping it finalise contracts and procurement of materials much faster. The system includes tendering models for all three types of procurements—services, works and goods.

With the MCL e-Procurement process allowing automatic technical and commercial evaluation of the bids, the system also helps the organisation completely do away with the subjectivity in the procurement judgment. This has helped MCL bring in more transparency and reduce the number of complains and other complications in the tender evaluation process, resulting in faster decision.

The e-Procurement system has also helped MCL increase its supplier and bidder base, which has in turn helped the organisation prevent unethical business practices in tendering and cartelisation of vendors. With the e-Procurement system reducing the paper work and manual computational process drastically, the system has also helped MCL reduce clerical mistakes in computation. This has helped the organisation further reduce the overall cost of procurement process. MCL claims that the process complies with the IT Act 2000, CVC guidelines and the procurement manuals of Coal India Limited.


  • Reduction in average procurement cycle time from 120 days to 30 days
  • Increase in bidder base
  • Reduction in paper work, manual computational process and human errors in evaluation process
  • Reduction in overall cost of procurement

Digital MIDC Single Window Clearance System

Maharashtra Industrial Development Corporation (MIDC)


  • Create a single window system for investors support and clearance in Maharashtra
  • Automated tracking of files and approval status

The Single Window Clearance (SWC) system is an initiative to provide digital interface to all the stakeholders of MIDC –from information to guidance and complete online application process that includes filling of forms, submission, tracking, interaction, and approval facility.

The web-based solution aims at making it easier for potential investors to seek various clearances and approvals with minimum number of visits to MIDC & other department offices, thereby making Maharashtra a better business investment option. Overall the solution has three basic components—web-based SWC, file tracking application and backend transaction processing engine that enables transaction and workflow management.  It also intends to integrate the Land Management System and the Building Permission Application Management System to provide seamless service to its customer and other stakeholders and allows new customers to make online application for land. Once the plot is allotted, the customer becomes eligible to avail of the full gamut of services. The solution is a modular one and can easily be configured for various services and hence is a replicable and scalable model. Currently MIDC is expanding the services module to include other government departments like Pollution Control Board and the Directorate of Industries. The portal also provides a single window view for the approvals and clearances required.


  • Coverage of over 80 percent services provided to various customer segments of the corporation
  • Improvement in investor service facilities
  • Better transaction and work flow management

Water Cess for Pollution Control Board

Rajasthan State Pollution Control Board & NIC


  • Facilitate industries and mines to fill online water consumption details
  • To get exact status of rate applied, interest and penalty imposed, rebate and advances received
  • Reconciliation of money and monitoring pendencies, dues at a glance

The project has been initiated to automate the various processes of the Rajasthan State Pollution Control Board like tax collection on the consumption of water by industries or mines for different purposes and automatic allocation of unique assessee number to each company.

The system has enabled industries and mines to file their monthly water consumption details—metered/ non-metered and payment details—online. The process is followed by verification by all 13 regional offices of the state pollution control board and the data is uploaded on the central server at the head office enabling Cess Incharge in correctly assessing their values and comments. This not only helps levy of correct cess rates based on the purposes of use, the system also helps the Pollution Control Board generate monthly Cess Orders.

For the small scale Industries (SAS), the solution provides for a platform through which they can evaluate the Water Cess returns they have to pay to the Board on the annual basis. This eliminates the hassles for the industries to visit Board or Board Officials for the returns related queries. Since the system covers nearly all activities covering the key process of the Pollution Control Board, it can be easily adapted by other State Governments with minor customisation.


  • Better verification of returns filed by the industries and mines
  • Facility to adjust multiple orders with single payment instrument, and single order with multiple payment instruments
  • Faster dispatch and availability of Cess Orders

e-Tax Administration Programme

Department of Commercial Taxes, Kerala


  • Shift from adversarial and antagonistic approach towards tax payers and build a partnership based on trust
  • Computerise all critical activities of the department to improve efficiency
  • Remove user interface with the tax officials

The Department of Commercial Taxes is the major source of revenue to the Government of Kerala, accounting for three-fourth of its revenues. The Department caters to 160,000 traders (tax payers) through 431 offices across the state. Traditionally, tax collection had the image of being corrupt with cumbersome procedures. KVATIS is the application software developed and deployed by the department to facilitate tax administration which can be accessed through the state commercial tax department website <gateway> .

The tax payers do not have to go to the Commercial Tax Offices to file their returns. Instead, the solution allows them to file e-Returns complete with invoice details enabling state government officials to verify return documents online. Earlier dealers had to submit challans or cheques along with their returns in their respective offices. Now the web application of the department is integrated with those of the banks to enable payment online. For those who do not have access to internet facilities, Akshaya Centres in the state have been authorised to file returns and effect e-payments.

The user has a hassle free experience and the government has the advantage of realising the revenue instantaneously instead of waiting for the cheques and DD’s to be encashed.


  • User friendly filing process
  • Scrutiny of returns made easy
  • Tax collection up by 14 percent—from Rs 11,571 crore in 2008-09 to Rs 13,200 crore in 2009-10
  • Rich data bank of dealer transactions making cross verification easy

Government To Government

eOFFICE: Apply governance

Aarogyasri Health Care Trust


  • Create an effective office management system
  • Enhance productivity
  • Enable prioritisation of work
  • Improve efficiency and bring effective administration
  • Data storage and retrieval

The Aarogyasri Trust has initiated the automation of this process of policy formulation and decision making by effectively using ICT. Aarogyasri Trust has chosen e-Office application as an ICT tool to achieve seamless integration of work between departments.  Since the Trust is actively engaged with the Andhra Pradesh government for providing healthcare facilities to the citizen, it also needs to deal with a huge volume of data all of which form an important input to decision making and policy formulation for the organisation.

With the implementation of the e-Office solution, the organisation aims at making its services more accessible. The project also aims at bringing in more transparency, accountability and efficiency in delivery of healthcare services to the citizen.

The office automation application also defines the workflow for the trust and integrates around 39 department functions, including field operations, vigilance, claims, pre- authorisation, accounts, human resources, and last but not the least, public grievances. This has enabled the trust to deal with the huge challenge of implementing the complex Arogyasri healthcare scheme across 23 districts.

The application also has an HR module and a dash board that helps in periodic monitoring of departments, divisions and units to give a clear status of various files in the form of visual alerts at the selected organisation level.


  • Seamless integration of all department functions across 23 districts
  • Better interdivisional interface through knowledge sharing, efficient interaction, creation, movement, tracking and disposal of files
  • Better decision making ability

RTI Central Monitoring Mechanism

Information and Public Relations Department, Orissa


  • Provide single point access to all RTI related information catering to section 4, 6, 7 and section 25 of RTI Act, 2005 in a uniform manner

In its bid to ease mounting pressure on its officials for furnishing information under the RTI Act, the Central Monitoring Mechanism implemented by the state government is an example of how IT can be used for information management and meeting greater need of governance and citizen service.

Coupled with its seek and search option, the solution serves as a one point information base for all public authorities in Orissa, providing information to everybody at the click of a button. The project also aims to ensure maximum dissemination and use of information under the Act by all target users—public authorities, Public Information Officers (PIO), First Appellate Authorities (FAA), APIOs and citizens.

This RTI intervention has also been able to trigger the need for information management system and e-Records that is driving the paperless office concept in the state machinery. Taking the initiative further the state government is looking at connecting 25,000 offices into a single network, including 38 departmental public authorities, 30 districts, 314 blocks and 316 Tahasils level PIOs.

The project presently serves the needs of over than 1,500 offices that are connected to system ensuring compliance to the RTI Act, 2005. It also has a public feedback mechanism that enables citizen post their comment on each of the government data made public.


  • Enabled proactive disclosure of information by government departments through the user friendly Content Management System
  • Better management of request for information by all public authorities
  • Effective monitoring of RTI implementation

SCHOOL Report Cards Under DISE

Implementing Agency
University of Educational Planning and Department of School Education & Literacy


  • Create an automated system for analysis of school report cards
  • Help in better planning and monitoring of India’s flagship education programme Sarva Shiksha Abhiyan

The USP of School Report Cards project <> is the availability of report cards in various Indian languages—Hindi, Kannada, Malayalam, Tamil, Telugu, Marathi and Gujarati. The report cards are also made available in English. AS part of the projects expansion plan, efforts are being made to provide report cards in other regional languages as well.  The project also uses an innovative approach of providing a two page “Descriptive Report” that is generated automatically for all the schools in a way that it looks as if someone has analysed the data for each school and has written the report. The report has number of permutations and combinations to decide the sentence to be written into the report. However, it can also make available raw data as per the user’s requirement in Excel format, thereby creating a demand for DISE data.

The District Information System for Education developed by NUEPA in collaboration with the MHRD is in use in all the 600+ districts of the country. MIS units have been established both at state and district levels at which DISE software is installed. The report generated through use of DISE is also being used for chalking out district level elementary education plans throughout India for the country’s flagship education programme Sarva Shiksha Abhiyan. In view of the usefulness of the efforts made through DISe initiatives, a good number of states have decentalised the data entry at the level of block and the DISE SW fully support data entry and report generation at different levels.


  • Enables authorities to locate school-wise information through a drill down approach
  • Enabling basic search facility through use of multiple variables—school management, category and area

MALAYSIA Governement SMS Gateway

Malaysia Administrative Modernisation and Management Planning
Unit (MAMPU)


  • Bridge the digital divide between government agencies and citizens
  • Transform government service delivery system through the use of ICT
  • Integrate service delivery in an effective and efficient manner

The eKL Initiative (eKL), launched in 2007, is an extension of EG and is aimed at transforming government service delivery system through the use of ICT. The project is based on Malaysia’s “One government, many agencies no wrong door” approach and has been implemented to create a digitally connected Klang Valley, whereby services of all government agencies are linked and the sharing of resources and information facilitates the provision of end-to-end interactive online services 24 X 365 via multiple service channels.

Mobile Government is also part of the country’s eKL initiative and is looking at extending the reach of government services through mobile channel and leveraging on the high penetration rate of 28 million mobile citizens. The project enables citizens and businesses to have a more convenient access and an alternative direct mode to government services through mySMS 15888 Government SMS Gateway project.

While mySMS 15888 is a public service delivery system that helps deliver services at the fingertip, the country is looking at riding its ICT infrastructure strength, to serve citizen including businesses through a different delivery channel other than the Internet, counters and kiosks. The project that was launched on 31 July 2008 also aims to delights Malaysians by realising a vision of “1 Nation, 1 Government, 1 Number”.


  • Easy access to government services to 28 million mobile citizen
  • Huge cost saving since the project delivers various government services on a single ICT infrastructure
  • Personal websites for citizens to manage government-related information


RMC Governance Initiative

Rajkot Municipal Corporation


  • Reduce delays in providing information on property tax and water charges
  • Enable time bound delivery of citizen services

Rajkot Municipal Corporation (RMC) has started different m- Governance services, to provide efficient, timely information to Citizens of Rajkot. The project provides for a convenient communication point for time bound service delivery powered by pre-defined process-cycles and back-office computerisation. The project has also enabled the municipal corporation meet citizen expectation of better and more transparent service.

As part of the service offering under the initiative, Rajkot Municipal Corporation has also started providing alerts of all transaction details to its valuable tax payers through SMS. This is for the first time that any municipal corporation has started such service in India. To avail this facility a tax payer has to enter his mobile number on the RMC website <>.

Once registered RMC sends details of modifications related to property tax alteration—their payment, cancellation of payment receipt. Once complain is addressed the officer can send complain number with status, which will be automatically updated in the system based on the status send. Whats more, as soon as the officer changes the status of complain the information is simultaneously sent to the respective citizen through SMS. Similarly, RMC official can receive the list of pending complaints, by sending short code message to a designated number that is also backed up by a Call Center operation.


  • SMS alerts of all transaction details to tax payers
  • Availability of pending case status to Rajkot Municipal Corporation officers
  • General Daily income-expenditure SMS to senior RMC officials through SMS

ANYWHERE Anytime Advance Reservation

Karnataka State Road Transport Corporation


  • Adopt information technology in its day-to-day operations
  • Optimise efficiency and reduce operational cost and at the same time providing quality services to its customers

AWATAR, as the project is called is web based reservation system that facilitates booking of tickets for Karnataka State Road Transport Corporation busses using credit and debit cards. Travelers can now easily book KSRTC bus ticket on their mobile phones. KSRTC has been deploying the IT tools in the best possible measures to optimise its efficiency and reduce operational cost and at the same time, providing quality services to its customers.

The solution enables citizens to register using their mobile number on KSRTC website. Once the registration is completed, passenger can book bust ticket on the move. Using the solution, KSRTC also sends SMS for the confirmation of seat booked through e-booking, counters and mobile device. The SMS contains all the details required for the travel—trip code, date of journey, PNR and seat numbers, the starting point and the destination, departure and arrival time.

On completion of the booking process, e- tickets are generated and sent via e-mail to the passenger. Those users who do not have an e- mail can show the ticket details at designated KSRTC counters and get their tickets and also get a confirmation in the form of SMS. Presently, over 18,000 passenger seats are being booked every day through AWATAR.


  • Facility to book KSRTC bus ticket through mobile phones from anywhere in the world
  • Increase in passenger loyalty due to ease of reservation
  • Increase in reservation revenue.


Implementing Agency
JPN Apex Trauma Centre, AIIMS


  • Streamline the process of hospital visits and minimise waiting times for patients by using m-Governence
  • Improve transparency and accountability in the OPD’s

The project aims to streamline the process of hospital visits and minimise patient waiting. It captures patient’s mobile number in the EMR, which is then verified by the telecentre during the first visit or at the time of admission. The telecentre gives the appointment for the patient based on the doctor’s order in the EMR and confirms with patient through a voice call as well as by SMS.

The solution also enables the telecentre to email the list of all scheduled patients to the medical record department of JPNATC, so that necessary files and OPD cards can be taken out in advance. A final list of appointments is emailed, copies of which are put outside each room and also with the concerned doctors.

Thanks to the initiative, the patients can now just flash their SMS with the token number which is checked against the list present and a date stamp is put on the patient’s OPD card.  The patient goes to the designated doctor when his token is displayed on the screen. Following the visit, the telecentre makes a voice call to the patient confirming that the appointment took place and schedules the next appointment on the scheduling software so as to make it a perpetual cycle.


  • Better patient care planning by the hospital
  • Reduction in waiting time for patients and better staff response
  • Availability of statistics and data on volume of patients and type of ailments for better planning

 GRAMEENPHONE Mobile Ticketing Service



  • Improve customers service and satisfaction
  • Reduce pressure on ticket selling agents in train stations through e-Ticketing
  • Reduce operating expenses of BR while an increase ticketing efficiency

Bangladesh Railway (BR) has partnered with Grameenphone (GP) to launch a mobile ticketing (m-ticketing) service to sell electronic train tickets to the public. The service allows any GP subscriber to open a mobile wallet (virtual stored value account) via a simple SMS request and use it to purchase train tickets directly from their mobile phone from virtually anywhere and at anytime.

To buy an electronic train ticket through the service passengers need to access a USSD menu from their mobile phone and input the required traveling information. The solution enables customers to book and buy tickets up to 10 days prior to their travel date. The service is initially being offered for all intercity trains departing from Dhaka and Chittagong, the capital and principal port cities of the nation, respectively.

Bangladesh Railway is also planning to soon bring other intercity trains under this service. The project was principally started to reduce the various hassles and inconveniences faced by train commuters when trying to buy a train ticket. While the service has also been effective in including the grass-root level citizens in availing modern technology in their day to day lives, it has also helped Bangladesh Railway improve its customer satisfaction score.


  • Reduction in queue at the booking counters
  • Reduced travel needs of passenger and has saving in time and cost
  • Encouraged Bangladesh Railway to upgrade its system and technological base
  • Increase in customer satisfaction

 ICT Enabled PSU


Haryana Urban Development Authority


  • Computerisation of application process to reduce hassle for allottes
  • Eradicate corrupt practices
  • Bring in transparency in the system

The computerisation of the Haryana Development Authority (HUDA) has made helped this state PSU create a information channel for alottees. The information portal can be accessed by 30,000 alottees in the lean period and more than three lakh alottees in the peak period at the same time. The system provides seamless entry for alottees, enabling them to track the status of their application from anywhere and at anytime through use of Internet.

The solution also enables allottee to monitor their paid, pending, delayed installments, as well as the interest due on these installments without coming to HUDA offices. The digitisation and reconciliation of accounts have been handled by the leading banks in the state, which have the experience of doing similar work with 100 percent success rate.

Under the project, all allottees are issued a user Id and password to see the details of transaction any where anytime. The biggest grievance of the allottees was that they were not able to know their dues, even if as per them, they have cleared the dues. To do away with complaint a uniform standard accounting procedure was adopted by HUDA as part of the solution. It also enables HUDA to receive applications through a single window that also inform the allottes about pending dues, if any.


  • Improvement in revenue realisation
  • Reduction in time taken to register an alotee from earlier three to six months to few minutes
  • Faster retrieval of information on vacant, sold or stayed plots


State Bank of India, Hyderabad


  • Improve customers service
  • Resolve the customer grievances faster by using simple ICT tools
  • Improve Customer Satisfaction score in sync with overall SBI Vision

Project “SMS Unhappy” is a simple and unique grievance redressal system which operates on SMS, Telephone and the Intranet. A customer with any SBI Branch in Andhra Pradesh, having a grievance, is required to merely send an SMS to the designated mobile number—8008 20 20 20—saying “Unhappy”. The mobile number, date and time of message and the message contents are captured and registered in the SMS Unhappy Web Link at SBI’s Happy Room server.

The Happy Room is a complaint resolution centre set up to handle complaints lodged under the “SMS Unhappy” system. The solution enables SBI to automatically send an SMS to the complainant acknowledging the complaint and intimating the Unique Index Number. This also triggers an auto generated SMS to the concerned Branch Manager with a prompt to login to the Web Link, examine and resolve the customer grievance.

The branch in turn resolves the problem and puts in their remarks in the system, which is available to the Happy Room Executives on a real time basis. Happy Room Executives then call up the customer, to inform about the action taken and close the complaint. An SMS intimating the closure of the complaint and thanking the customer also goes out to the customer on such closure.


  • Helped fully resolve over 96% customer
  • Reduction in problem resolution time—over 64 percent complains being resolved within 48 hours and around 12 % within three days
  • Improvement in customer service

SCCL ERP Project
Implementing Agency
SAP India


  • Integrate operations of various applications running in areas and mines located across geographies
  • Consolidation and integration of information
  • Clear visibility of mine Inventory

Singareni Collieries Company Limited, a coal mining company jointly owned by Government of Andhra Pradesh and Government of India, has implemented the Enterprise Resources Planning (ERP) solution to cater to all the business requirements of the company. As a part of its business operations the company has to deal with around 5,000 active customers who buy coal, and around 9,000 vendors who supply materials. The company also stocks, buys, deals with more than one lakh variety of materials. And all this through its huge workforce of 70,000 employees whose master data has to be maintained and the payroll is processed.

Further the company has its sites spread over across four districts in Andhra Pradesh which are in rural backdrop having less IT penetration and lack of multiple service providers in providing long haul connectivity. The ERP rollout is aimed at streamlining the e ntire operations of SCC. The balance sheet and the profit and loss statements were generated in SAP in the first of implementation which had some of the data in legacy and some in SAP.  With this implementation covering all the core business areas, SCCL can now forecast the probable business issues enabling it to take required preventive measures.


  • Availability of critical business and HR information on real time basis for effective decision support
  • Reduction in cycle times of various processes leading to higher service levels

 Financial Inclusion

MOBILE Banking

Spice Digital Limited


  • Enable wire-free world connecting data source or application to any device
  • Make mobile phone an integrated communications device, with the ability to provide information and perform real time online transactions anytime, anywhere

this service provides banking over mobile USSD channel. The services include Intra Bank fund transfer, Mobile Top Ups and enquiry services. The mobile technology used for this service is USSD High grade servers m-Banking application USSD Gateway. The service provides an access to the Bank account to do various transactions; Balance Enquiry, Mini-Statement, Mobile Top Ups, Intra Bank Fund transfers. The service is deployed on a IMSI based MT delivery thus making it fully reliable and secured for an authentic usage.

The service does not require any handset application or any specific handsets to deploy. It works on USSD technology which works on a real time menu driven interaction and thus works on any handset with a screen and a mobile connection. The service allows to carry the bank on the phone where a State Bank account holder need not to go to bank for his daily banking needs. The value added here is that the user do not require any high handset, no internet connection and no GPRS connection to use these services. The only requirement is to have a mobile connection with any handset and a State Bank account. Technical support is available 24×7 while the customer care support is available in the Banking hours.


  • Funds transfer in few clicks through a menu driven service on a real time basis
  • Ease of use for banking customers
  • Access of service from basic mobile phone with no need for GPRS/Edge/3G data connectivity

BENEFIT Disbursement System



  • Timely Disbursement of Entitlements to Beneficiaries
  • Eliminating or reducing leakages
  • Payments to authenticated beneficiaries only
  • Generate MIS Reports
  • Reduce paper usage

APOnline designed and developed an ICT system framework for disbursement of NREGS wages and social security pensions. It is using network of post offices and advanced technologies for rural development programs in India. Tata Consultancy Services implemented ICT solution for NREGS in Andhra Pradesh for effective program implementation and monitoring. Government of Andhra Pradesh felt that in the whole program implementation, anomalies have been more frequent and hence disbursement through a structured mechanism is very much necessary.

Disbursement of wages under NREGS has been a major concern for both state and central government. Previously payments of entitlements were being under taken by Branch Post Offices (BOs) located in villages manually. Payments were delayed inordinately and payment of entitlements to the right and appropriate beneficiaries was not assured. The system utilizes technologies like bio-metric (finger print) matching for authentication of eligible beneficiaries, robust hand held Point of Sales (POS)/ Point of Transaction Device (POTDs) devices for use in villages, GPRS connectivity for synchronization with central server, GPS for capturing the location of work and attendance. As an extension and forward linkage, APOnline developed ICT solution for NREGS, a framework involving DoP for disbursement of entitlements after accurate authentication of the entitlements through finger print authentication.


  • Reduced turna round time in disbursement of entitlements
  • Robust wage delivery mechanism
  • Consolidation and reconciliation of funds on regular basis
  • Improved monitoring and control mechanism

FINO Tatkaal

Financial Information Network & Operations


  • Provide the unbaked with access to formal banking facilities,
  • Deploy technology for easing the whole process- with use of smart cards and  bio-metric fingerprints
  • Providing banking facilities 24x7x365

Fino Tatkal was launched at Dharavi, Mumbai in association with Union Bank of India as an offshoot product of the larger Financial Inclusion (FI) implementation. The aim was to provide door step banking facilities to the un-banked and under-banked migrants who have come to the city in search of livelihood and do not have access to formal banking facilities. The programme uses smart cards and  bio-metric fingerprints to provide for safety concerns and completely overturns the customer’s ignorance to formal banking formalities by providing for a very high end technology and at the same time very easy to use facility. A customer sitting in Mumbai can send money to anyone of his dependents to any UBI Bank branch in India, where either of them would have formal bank A/C for cash withdrawal. This biometric set up enables cashless and paperless transactions through smartcard by only verifying through the fingerprint and gets paid electronically. It helps in saving time, opportunity cost and harassment by providing banking facilities even at non banking hours and all days throughout the year. Through this technology enabled by Fino, the Fino Tatkal facility is supported by backend data management system which can track any transaction across India and provide periodic analytical reports.


  • Over 1.6 million beneficiary families in two years
  • Initiated at Dharavi, the project has been scaled to 40 other points across Mumbai
  • Expanded to cover 60 points in Delhi

 Private Sector


Implementing Agency
CoOptions Technologies


  • Enable new businesses and revenue generation for PACS
  • Better project monitoring facility for all stakeholders—state government, NABARD, APCOB and DCCBs
  • Offer multiple products and services to farmer at the PACS

CoOptions Technologies gives the company a 10-year exclusivity to enable computerisation of all the PACS in the state and use the channel to develop new avenues of business for the Primary Agricultural Cooperative Societies (“PACS”). The project, named “Sahakara Pragathi” aims to enable development of transformation models to make the PACS commercially viable and sustainable economic and financial hubs. The Project was started as an initiative to implement the recommendations of the Vaidyanathan Committee on cooperative sector reform. It would also enable development of transformation models to make the PACS commercially viable and sustainable economic and financial hubs. Such models would reposition the PACS as change agents in the rural economy and become the focal point for rural development and financial inclusion. It is the first public private partnership model of its size and scale to be implemented in any Indian State. Using the solution, CoOptions is creating a database of over 10 million farmers in Andhra Pradesh at full implementation, supporting the entire process from identification of borrowers, credit fulfillment and collection. The project embeds simultaneous capacity building and training of nearly 6,000 people, run the day-to-day functioning of the PACS.  The PAX2002 technology solution incoroporates and fully integrates the cooperative credit structure, including the MIS and financial reporting aspects, at a grassroot level.


  • Ability to have complete information on borrowers, credit fulfillment and collection
  • Integrates cooperative credit structure, including the MIS and financial reporting aspects at a grassroot level
  • Complete transaction transparency

RAILWAYS Office Management System

Prodigy Systems and Services


  • Eliminate redundant manual, error prone work
  • Ability to cull information on the status of ongoing civil engineering works

The Office Management System (OMS) aims to eliminate the routine paper work required in the workflow from estimation of project to payment for a contractor. The project encompasses various stages including estimation, preparing a tender, uploading a tender, progress of work, correspondence, billing etc via an online platform. The driving factor behind office management system was the need to know the status of the ongoing civil engineering works, be in the estimation stage or the construction stage, at Hyderabad Division of South Central Railway. Tenders are prepared automatically, every other official communication is electronic and can be digitally signed to authenticate the notes. Billing and Payments to contractors is all well taken care of. OMS was innovated and initiated at South Central Railway, Hyderabad Division in July 2009. But its versatile structure has enabled it to easily get implemented at all the locations in India and also expand its reach to Defence, IT department, State construction company and many more. This can certainly be implemented all over the world where workflows are similar to those of Indian Railways.


  • Improvement in workflow process—from estimation of a project to payment for a contractor
  • Automatic preparation of tenders documents
  • Ability to digitally sign and authenticate all official communication and notes

VOICE & Video Over Broadband

Sai InfoSystem India


  • Delivering  e-Governance applications and other infotainment services to the semi literate masses at an affordable cost

Voice and Video over broadband project aims at delivering triple play services—voice, video and data from the single platform. Hitherto, all technologies were aimed at delivering all three components separately either for the reasons of technology, economy or contents which can be pushed from such platform.

This project aims at making it viable for the project operator and affordable for the subscriber of the service. However, the project is not a plain replica of Internet Based Delivery of Contents. The most crucial differentiator is its independence from the Computing Platform.  The initiative “Voice and Video over Broad Band” has made it possible to enjoy the fruits of Information Technology Revolution for the masses. In emerging economies, where neither Government nor the citizen has capability to invest in different mechanism to deliver different contents for different target groups, “Voice and Video over Broad Band” holds a greater promise of simultaneously delivering e-Governance applications and other infotainment services to the semi literate masses at an affordable cost because of distribution of basic infrastructure cost between various applications required by citizen. It in collaboration with BSNL to offer these services to the citizen on Private Public Partnership Model. This business model allows SIS access to the established network and customer base of BSNL, which will reduce the required investment to a great extent resulting in cost effective services to the end user with minimum go to market time.


  • Low cost video telephony option
  • Ability to help organisation increasing productivity at work
  • Increasing in quality of both personal and business communication