NABARD - Student Internship Scheme 2016-2017 - page 54

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(Nankatty):- All transactions are done by CBS. The computerization and Data Digitization of Nankatty
was of high standard. TCS provides Facility Management (FM) Support, Deploy manpower
& User training for PACS Orientation, Basic Computer Training, Process Training and
Application Training. The PACS conducts awareness programmes and camps within a
radius of 10 km of the village.
(Patan):-
All transaction done manually and details are maintained in Registers. Maintains all details
in CBS but the CBS works offline. All banking process is done in offline mode. There are
problems in registers maintenance and process takes too much time.
F. LDM Office :
1. Lead District Manager (LDM) plays a pivotal role in the area of financial inclusion. It is a repository
of all data regarding every banking activity in the district.
Major Recommendations:
1. Branch Manager should not be given the assignment of Financial Literacy Counselor as he is busy in
day to day business of the Branch/Bank.
2. An extra column may be added, in the visitors register maintained by FLCs, for recording the advice
given to visitors.
3. The bank may give wide publicity of setting up of FLC in the area of operation of the bank through
flex board in branches as also in Gram Sabhas. The address and contact numbers of FLCs may be
printed in the pamphlets and other material printed by the bank.
4. Insurance and Pension schemes and subscription thereof may also be discussed in the FL camps.
5. More incentives for the BCs, utilizing existing banking network and creating awareness about the
use of banking technologies.
6. Financial literacy needs to be given importance in schools and student small saving programs, where
bankers visit schools and collect small deposits, needs to be revived. School teachers can also be
tapped as BCs.
7. Allowing BCs to offer additional financial products like insurance and mutual funds. And to raise the
permissible limits of cash disbursement for BCs.
8. Encouraging banking habits amongst the unbanked masses by installing audio-video enabled ATMs
to announce simple instructions in local language.
9. ATMs can be installed in the premises of post offices where trained guards can facilitate withdrawals.
10. Better leveraging satellite connectivity technology in remote areas to avoid connectivity bottlenecks.
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