Friday, December 9, 2016

e-Kharid – Haryana’s Digital Procurement Tool

The positive effect of Demonetisation

On 26th Septmember, 2016 Haryana Government launched a Mobile APP in Google Playstore named e-Kharid.

The launch program was presided over by Union Minister Ram Vilas Paswan and Chief Minister Manohar Lal Khattar at Karnal, Haryana.   Karnal  is a city located in the NCR and the headquarters of Karnal District. It is one of the Counter-Magnet cities.

The primary objective of e-Kharid is to bring in transparency in the food grains procurement process across the procurement channel.

The main focus is in providing real time information and timely payment. These twin aims is to enable the growers to get the best price for their produce with minimal pain.

The e-Kharid program has two access points a) Portal b) Mobile App. The “e-Kharid” portal is a joint initiative of the Haryana State Agricultural Marketing Board and the Department of Food & Supplies, Govt. of Haryana.

According to J Ganesan, Chief Administrator, Haryana State Marketing Board, said it would extend ease of doing business to the traders and empower the farmers by providing them real time information and timely payment.

Ganesan said a mobile app which would make the system paperless and hassle free will be launched, too.

With the help of this system, the procurement agencies would disburse payments to arthias instead of age old paper and stamp system.

A toll free number 18001802060 would be available for any kind of help, queries and grievances, he maintained.

With the help of ‘e-Kharid’, all the stake holders, including farmers, traders and government agencies, farmers, traders and purchasers, would get instant alerts on each and every transaction.

The state government’s ‘e-kharid’ initiative supplements National Agriculture Marketing, a pan-India electronic trading portal of existing APMC ‘mandis’, to bring efficiency and transparency in procurement of agricultural commodities.

As per latest news,  Haryana has procured Rs 2,500-crore worth of kharif crops, including paddy, cotton, bajra, guar and oilseeds, through the e-purchase platform.

In the current season, paddy worth Rs 1,500 crore and other cash crops worth Rs 1,000 crore were procured online.

The online procurement process was made optional for the current season by the Haryana government after ‘aarthiyas’ and commission agents sought more time to adapt to the automated process. The aarthiyas had expressed concern over the money given as advance to farmers and objected to direct payment to farmers.

The direct payment system to farmers was objected by the traditional aarthiyas and commission agents. Educational programs are being run to encourage them to adopt to the new procurement process.

Officials maintained that direct payments are likely to be introduced by rabi season when mainly wheat is bought by government agencies.

By the following rabi marketing season, about 54 more mandis are being targeted to be covered under the online scheme. “It will bring mandis in half of Haryana under the ambit of e-kharid,” said J Ganesan, chief administrator, Haryana State Agricultural Marketing Board.

Under e-kharid, an auction recorder digitises data, including credentials of a farmer, the linked Aadhaar number and bank account details, through handheld device. An auto generated gate pass receipt is issued and the device also registers the login ID of an aarthiya selected by the farmer.

Traditionally Aarthiyas or Commission Agents are the link between Grower and the Buyers. The Aarthiyas usually get a commission from both the buyers and the sellers. In some cases, they also finance the farmers. These financing locks up the farmers with the respective Aarthiyas and the farmers are obliged to bring their produce to the particular aarthiya only.

The e-Kharid program does not aim to replace the aarthiya, rather its focuses on brining in transparency and timely payment to the farmers.

Additional reading material:

Role of Commission Agents In Marketing Agricultural Products

Who is the “arthi”: Understanding the commission agent’s role in the agriculture supply chain

Thursday, December 8, 2016

Andhra Bank *99# - The Safe way to do USSD Transactions


          On September 8, 2016 Andhra Bank released its *99# USSD Banking APP on Google Playstore.

          You can type *99# in Playstore to locate the APP or click on this link to directly land on the APP landing page.

          As on date, the APP has had 10,000 plus downloads

          The primary purpose of this APP is let Andhra Bank account holders to initiated banking transactions through the USSD Channel.

          The APP is designed to initiate SMS requests to the banking server to execute the requests.

          Andhra Bank with its Headquarters in Hyderabad, Telangana has branches spread all over India.

          Apart from *99# APP on PlayStore it also has the following APPS

01) mPay Solution

02)                  Andhra Bank UPI App

03)                  Andhra Bank Selfie Banking

04)                  AndhraBank Cube

05)                  Andhra Bank “Safe-T” Mobile Application

Andhra Bank is also part of the ‘Chillr’, APP platform

So go ahead, download Andhra Bank *99# and transact from any part of the world.
For any grievances you can mail to : - or the App Developer @

Sunday, December 4, 2016

The Way Ahead for Siddipet CashLess Journey @ Harish Rao Thanneeru - The positive effect of Demonetisation

Read more of Shri Harish Rao Thanneeru efforts to popularise CashLess Transactions in Siddipet .

          This is in continuation of my earlier Post . The villages in Siddipet Assembly Constituency have yet to begin the race.

          A support system is required for these villages to begin the race and take this forward.

          The main differentiator in this attempt is to convert a number of villages simultaneously from a Cash economy to a Digital economy.

As per Census 2011 Data, Siddipet Mandal has 21 villages.  

As per the official site of Siddipet District, there are 29 villages.

At this moment the number of villages does not matter. What matters is the race to win the coveted prize of INR10,00,00/- and the associated publicity.

The focus is on CashLess villages due to the following reasons:-

01)  Small footprint
02) Low population
03) Less obstacles

Other CashLess villages in India

a)     At Akodara, India’s first digital village
b)    Maharashtra Gets Its First 'Cashless Village'
c)     ICICI Bank to transform 100 villages into ‘ICICI Digital Villages’ in 100 days

11 ways to take this forward

Way No 01 : - A new website named as

Way No 02 : - Dedicated control room to track the progress

Way No 03 : - Dedicated SPOCs in each Village

Way No 04 : - Adoption of each village by an educational institution

Way No 05 : - Daily updates on

Way No 06 : - The best innovative ideas to be highlighted on

Way No 07 : - Funds from MLA Constituency Development Fund can be deployed to run this campaign

Way No 08 : - Dedicated FaceBook Page to highlight the achievements of villages in the run-up to the final prize

Way No 09 : - New age technologies to be explored instead of traditional methods

Way No 10 : - Invite Abhishant Pant to spread the Joys of CashLess transactions

Way No 11 : - Organise cultural programs to spread the benefits of Digital Transactions

Of the various multiple options available in the market the most promising is COOPaisa – The Cooperative Digital Currency

The next question is which Bank can quickly scale up this in Villages under Siddipet constituency.

Couple of Banks which come to my mind are:

Bank No 1:- APGVB - We are with you!
Reason 01 --- 775 plus branches
Reason 02 --- Winner of Best-IT enabled Regional Rural Bank for year 2016-17
Reason 03 --- APGVB is familiar with Alternate Delivery Channels

Bank No 2:- Andhra Bank
Reason 01 --- Head office at Hyderabad
Reason 02 --- Multiple products for CashLess modes

Reason 01 --- Local Bank
Reason 02 --- Tech savvy Bank

Bank No 4:- Gayatri Bank
Reason 01 --- Local Cooperative Bank
Reason 02 --- Capability to scale up quickly

Bank No 5:- State Bank of Hyderabad
Reason 01 --- Lead Bank for erstwhile Medak District
Reason 02 --- Head Office in Hyderabad

Saturday, December 3, 2016

Which Village will receive the INR 10,00,00 Cash Award - The positive effect of Demonetisation

Thanneeru Harish Rao MLA elected from SIDDIPET of Telangana state as a member of Telangana Rashtra Samithi has announced a unique gift to villages in his constituency

Shri T.Harish Rao is Irrigation Minister  for the State of Telangana. On Friday, he offered cash incentive of Rs. 10 lakh to the first village in the constituency which achieved cent per cent cashless transaction in the stipulated time. The village that comes second will be awarded Rs. 5 lakh.


“We stood first in many development activities, including transforming the constituency into an open defecation-free one. Then why cannot we achieve this?” he asked adding that new bank accounts will be opened for those without it. The Minister also handed over Rupay cards to farmers at the RDO office.


On Friday, as part of  creating awareness on cashless transactions,Shri T Harish Rao visited the Rythu Bazaar and interacted with the sellers and enquired about the problems faced by them. Some farmers told the Minister that they were yet to get used to the new coupon system and also complained of fall in prices of vegetables.

“The problem of small change was addressed with the introduction of the new coupon system. We get the amount encashed against the coupons we get by selling vegetables,” said a woman farmer. 

Not all farmers were happy with the Digital Transactions movement. Few farmers complained of some glitches at the coupon counter. Harish Rao told the officials to set things right at the earliest. The Minister also told the officials to create awareness among farmers about the coupon system and how to exchange them after the sale.

Shri Harish Rao also addressed a meeting of traders, in which he emphasised on the benefits of cashless transactions.  He advised all traders to set up swiping machines at the earliest. He said the machines would be supplied by banks.

Siddipet is one of Telangana’s new Districts. Siddipet district will have three revenue divisions of Gajwel, Siddipet and Husnabad.

As per, there are 25 villages in Siddipet. 

Wednesday, November 30, 2016

YES Bank SIMsePAY - The positive effect of Demonetisation

          Let me start today’s post with this: -


Elaborating on the initiative, Mr. Rana Kapoor, MD & CEO, YES BANK said, “YES BANK is proud to pioneer this unique solution, which will empower all bank account holders and enhance efficient digital financial inclusion in the most efficient manner. YES BANK is committed to fully support the Government’s demonetization and digital payments initiatives. Through the launch of SIMsePAY along with Co-operative Bank tie-ups across the country, we will effectively aid our country’s ongoing transition to a ‘less-cash’ society, and eventually a ‘cashless India’.”


          This July 21, 2015 Press Release by YES Bank first mentions about SIMsePAY. The full fledged launch by YES Bank took place on November 30, 2106.  
The major benefits of SIMsePAY are:

·       Works with ANY mobile phone – No differentiator between Feature or Smart phone

·       Works with ANY Telco (independent of the underlying SIM Card)

·       Works without Internet Connectivity through encrypted SMS

·       No additional charges / special charges on the SMS

·       Works at ANY time of the day or night with a simple User Interface, as the funds transfer is through NEFT or IMPS

·       High security transactions using encrypted SMS technology

It would be wonderful if YES Bank raises its target of garnering 5,00,000 users by 2017 to 50,00,000. In this era of Safe Digital Transactions, 5,00,000 is too low a target.