Various schemes have been rolled out in DBT mode, however, there are a number of Central and State Government schemes that still need to be covered and adequately digitized. Schemes that are being delivered in DBT mode, either have a stand-alone system (which is expensive and time consuming) or only the direct payment in the bank account part has been introduced. In such a scenario, an IT system was required to quickly implement schemes in DBT mode by bringing multiple stakeholders together, linking with external systems such as PFMS and Aadhaar, and enabling online approvals, monitoring program delivery and tracking fund flow. As a solution to this situation, CDFI developed a cloud-based product Sunidhi that seeks to deliver different types of Centre/ State Government’s benefit programs either in cash or in-kind in DBT mode maintaining complete track of benefit delivery and fund movement. Sunidhi is a cloud based end-to-end solution for defining benefit delivery mechanism and approval processes, onboarding benefit delivery providers, onboarding beneficiaries, integrating with Aadhaar for beneficiary authentication / validation, integrating with PFMS for transferring funds in beneficiary’s account and tracking program milestones, benefit delivery and funds utilization. Sunidhi digitizes the entire program implementation back-end thereby providing complete trail of fund utilization and the resulting impact.

  • Technology enabled program roll-out with conditional cash transfers
  • Payments made directly to beneficiary’s bank account
  • End-to-end tracking of program activities & fund utilization
  • Monitoring & assessment of programs

Pradhan Mantri Matru Vandana Yojana implementation using Sunidhi

Sunidhi is currently being used in delivering the country’s leading Direct Benefit Program for pregnant & lactating mothers, Pradhan Mantri Matru Vandana Yojana (PMMVY), announced by the Prime Minister in December 2016.

This is a nationwide program under which ? 5,000/- is being transferred, in three installments, in the bank accounts of pregnant and lactating mothers for fulfilling their nutritional requirements.

As of 31st March 2019, 25.98 billion worth payments have been made to 70, 64, 432 women beneficiaries across all states and UTs. CDFI has now been engaged as an Advisor. First paid engagement with the Ministry CDFI’s PMU and Technical partners have also been selected by the Ministry Two (2) senior CDFI resources are now placed with the ministry providing advisory services

CDFI customized Sunidhi for implementing Maharashtra’s Village Social Transformation Foundation’s village modernization program under which 1,000 villages (which are worst affected by drought and have low Human Development Index) are being transformed in the state. Projects to be undertaken under this program will provide digital connectivity, water security, skills training, and improved agricultural, education, health and sanitation facilities to the villagers. A novel hybrid mechanism for executing and funding village transformation projects has been devised by the state. Several corporates have been on-boarded by the foundation to fund the program under an arrangement where the state government matches the corporate contribution. A dedicated fellow has been assigned to a cluster of 3-4 villages who is responsible for creating projects for the village, identifying service providers and monitoring implementation.

CDFI developed a mobile extension of Sunidhi for fellows to create, execute and track projects in their respective villages. VSTF team, government officials and corporates use Sunidhi’s web portal to manage and monitor program implementation at the villages. Currently, transformation projects are being executed in 400 villages in rural Maharashtra by 150 fellows using CDFI’s solution.

CDFI team accompanied Mr. Sudhir Gupta, Member of Parliament, Mandsaur to his adopted village to understand SAGY implementation first hand. After studying various rural development initiatives, CDFI ascertained that a common approach was being followed for execution.

Typically, the following approach is used for implementing rural transformation programs – data collection, village specific plan development, and then execution and monitoring. Household level data has been collected from 700+ households from Behpur village in Mandsaur district, Madhya Pradesh. SANKALP then analysed the data collected and compared the analysis with data sets of already transformed village. The village development plan thus prepared has been presented to the MP, Mandsaur. The CDFI report “Outcome-Oriented Digital Framework for Saansad Adarsh Gram Yojana” was unveiled by the Hon’ble MPs Dr. Vinay Sahasrabuddhe, Smt. Meenakshi Lekhi and Shri. Sudhir Gupta Rebuild Kerala – a Government of Kerala initiative to aid in reconstruction, rehabilitation and overall recovery of the state launched on 16th October, 2018 by Kerala Chief Minister, Shri. Pinarayi Vijayan. CDFI’s fund management and project tracking innovation –‘Sunidhi’ has been customised to enable Kerala Government source funds and track progress of rehabilitation work under ‘Rebuild Kerala’ initiative.

The platform enables: District Collectors to list their projects through the platform Individuals/ Corporates/foundations to fund these projects through the platform Pooling of funds through crowdsourcing

Payments to be made based upon set milestones of the projects