As a part of their commitment to people's welfare, numerous schemes have been launched at both the Centre and State levels by respective governments. However, in the last few years, the benefit delivery mechanism of the Government has undergone a significant change, especially post the introduction of Aadhaar, and also due to an upsurge in the reach of mobile phones.

Despite concerted efforts by policy makers, implementation of welfare schemes has been fraught with several unresolved issues. Identifying the right beneficiaries, planning and understanding other similar schemes and budgeting are the key aspects focussed upon during scheme formulation.

There is also a pressing need to address challenges that are posed by non-availability of digitized data and un-integrated data, which is dispersed across multiple ministries/departments making analysis difficult. Appropriate use of technology can assist policy makers to more intuitive and intelligent approach in analysing, planning and formulating schemes.

The Scheme Analysis and Knowledge Aggregation for Launching Programs (SANKALP), developed by CDFI, is an IT-enabled scheme design framework, that enables streamlining of the process, involved in creation and assessment of government schemes. SANKALP allows creation of new and modification of existing benefit schemes based on various socio-economic conditions of the individuals/households.

SANKALP can also be used to rationalize budget, entitlements and schemes. The application can facilitate greater inclusion by identifying ‘unserved and underserved’ segments of the population.

SANKALP intends to transform the way, scheme conceptualisers:

  • Search and analyse existing schemes to identify overlaps in existing schemes with an easily accessible database, before coming up with a new scheme.
  • Identify target beneficiaries easily from citizens data and other external data available.
  • Make informed business decisions by creating eligibility criteria filters to profile target beneficiaries, rationalizing the entitlement and budget, and creating multiple scenarios for optimum benefits.
  • Create new schemes that have high impact with realistic budgets and outlays.

The application is currently being piloted in Chhattisgarh using their SECC and specific scheme-related data.


  • Information of Schemes – High level data of all schemes can be captured into the system. The high level data will have information on the budget, target segment, sector, ministry implementing the scheme, target area (rural / urban), type of scheme (Central Sector or centrally sponsored), benefit delivery scheme (cash / DBT), centre / state funding pattern etc. Scheme information will also allow collation of the following data on a scheme.

  • Target beneficiaries.

  • Detailed scheme outlay including breakup by components

  • Eligibility criteria and entitlements