In 2009, AISECT joined hands with State Bank of India (SBI) to provide banking services inthe under-banked and unbanked areas of Madhya Pradesh, Chhattisgarh, Punjab and other states.
The performance of AISECT in the field of Financial Inclusion was widely acknowledged and appreciated and AISECT soon became theNational Business Correspondent and Business Facilitator of State Bank of India inMadhya Pradesh and Chhattisgarh, in the year 2011.
Moving ahead, AISECT was appointed as the National Business Correspondent of Bank of India in 2012.
Subsequently, AISECT became Business Correspondent of Madhyanchal Gramin Bank for the state of Madhya Pradesh in 2014 & Punjab Gramin Bank for the state of Punjab.
In 2015, AISECT has been appointed National Business Correspondent for Bank of Barodaand has commenced its Financial Inclusion operations all over India.
State Bank of India
(Madhya Pradesh and Chhattisgarh)
National Business Correspondent 2011
Bank of India
Madhyanchal Gramin Bank (Madhya Pradesh) National Business Correspondent 2014
Punjab Gramin Bank (Punjab) National Business Correspondent
Bank of Baroda National Business Correspondent 2015
3469 Kiosks operating in rural, semi urban and urban areas
90% Kiosks located in rural/semi urban areas
1000 bank branches linked to the Kiosks
88 lakh accounts opened having balance of Rs. 880 Crores
Rs. 996 average balance per account
8,000 crore worth transaction done
67.12 crore worthcommission earned by the Kiosks
Rs. 10,000 worthaverage commission earned by CSPs
No Frills Savings Bank accounts to bring more and more people to banking fold
Opening of Recurring Deposit Accounts to motivate customers to save
Remittance facility (Cash & Transfer) to non-home branches and home branches of a Bank to assist the customers to remit funds to their needy relatives and friends
Overdraft / Retail loans
Loans against TDR/NSC/KVP etc.
Pradhan Mantri Jan Dhan Yojana (PMJDY)
Atal Pension Yojana (APY)
Generating green PIN for RuPay ATM cards
General purpose Credit Card (GCC)
Kisan Credit Card (KCC)
Opening of Savings Bank account with a minimum deposit of Rs.100/- to inculcate savings habit among the customers
Using Aadhar as KYC to open Savings Bank accounts to ensure that the benefit of various government schemes are directly passed on to the customers
Deposit & Withdrawal limit increased from Rs.10,000/- to Rs.20,000/- per day/per account
Funds Transfer (cash & transfer) to other Banks under IMPS to assist the customers to remit funds to their relatives and friends and maintaining their accounts in other Banks
Arranging Aadhaar seeding in all existing accounts and putting valid contact numbers on record
The BC commission is generated as per CCPM report and consolidated eligible amount is first credited to the BC commission account by SBI simultaneously debiting our a/c to pass on direct credit to the accounts of CSPs by SBI under their centralized payment system.
I am Amit Chhatarji I have done the survey of the wards allotted to me by the Bank .After identifications of the family did not have any bank account ,I requested them to come to my center in this connection I have also organized camps and told to the people of the area that every family must have at least two accounts and one should be of a female member.
All the customers got the “RuPay Debit card” after opening of accounts. Nevertheless, in the absence of pins these cards are not activated. I with the consent of Branch Manger decided Tuesday would be the convenient day for distribution of the pins. Accordingly, I have displayed this notice at my center and made the groups of the customers according to ward and take them to branch and as many as 8463 customers were distributed pin mailers. I also said all my customers to use the Rupay card for transactions within 45 days otherwise this card would be freeze. Further, they will also not get the benefits of insurance covers attached to this card.
In addition to this I have also organized the camps for Pradhan MantriJeevanJoytiBimaYojana and Pradhan MantriSurakshaBimaYojana and got over whelming response . I canvassed and collected applications of customers for PMJJY 3216 and 6221-application for PMSBY.
My efforts are continued to convince the people to opt Atal Pension Yojna for their safe and secured old age. However till date I was able to source 05 persons.
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