CSC- RAP Insurance Licensing

VLE Handbook

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 Handbook for VLEs on Insurance

Table of Contents
I. INTRODUCTION & STEPS TO BECOME A LICENCED RAP ............................................................. 3

1. License to CSC SPV ................................................................................................................................... 3

2. Steps to become a licensed RAP ................................................................................................................. 5
3. Pre- Licensing Education ........................................................................................................................... 6
4. Registration for Examination ..................................................................................................................... 6

5. Results of the Examination ......................................................................................................................... 7

6. RAP Licence ............................................................................................................................................. 7
7. One time registration of CSC as study centre.............................................................................................. 8
8. Registration as a student for Insurance RAP Training ................................................................................ 9

9. Payment of Examination & Licensing Fees............................................................................................... 11

10. Online training of student .................................................................................................................... 13

II. INSURANCE EXAMINATION OF THE VLE ........................................................................................ 16

1. Examination Process ............................................................................................................................... 16

2. Procedure to follow for Examination ........................................................................................................ 17

3. Score Reporting process .......................................................................................................................... 18
4. Examination Form ................................................................................................................................... 19
5. Examination centre policies ..................................................................................................................... 20

6. Examination Security ............................................................................................................................... 20

III. LICENSING OF VLE................................................................................................................................ 21

1. Licensing Procedure ................................................................................................................................ 21

2. Suspension / Termination / Replacement of VLE’s at CSC ........................................................................ 21

IV. RAP LOGIN PROCESS FOR INSURANCE SALES & SERVICE ......................................................... 22
1. How to login on APNA CSC ..................................................................................................................... 22
2. Wallet Creation Process .......................................................................................................................... 24
3. Wallet TOP UP Process ........................................................................................................................... 25

4. Process to do Insurance Transaction ........................................................................................................ 25

V. REMUNERATION.................................................................................................................................... 27

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I. INTRODUCTION & STEPS TO BECOME A LICENCED RAP

1. License to CSC SPV

The License to CSC e-Governance Services India Limited has been granted on 12th Sept
2013 by Insurance Regulatory and Development Authority (IRDA) to work as an
Authorized Intermediary to market specifically approved insurance products through the
Rural Authorised Persons (Village Level Entrepreneur’s) under the CSC Scheme of
National e-Governance Plan under the IRDA Guidelines on Common Service Centres,
2013.

The License permits both Life and Non Life Insurers in India to Market Retail Insurance
Policies and Services through Common Service Centers Network. VLE’s in order to
solicit insurance sales and service as Rural Authorised person (RAP) of Insurance will
have to comply with all the applicable provisions of the Insurance Act , 1938,the IRDA
Act,1999, and the rules, regulations, circulars or guidelines, as applicable, issued from
time to time.

A VLE is licensed to solicit or negotiate an Insurance policy of ‘ALL THE INSURANCE

COMPANIES’ with which CSC SPV has an agreement.

This facility to market insurance products and offer services near to homes would
significantly expand insurance penetration in rural areas. Insurance penetration in India
was just 3.96 per cent in 2012.

LICENSING

Licensure is the process by which an ‘Authorized Body’ grants permission to individuals to engage in
the practice of a particular profession, vocation, or occupation, and prohibits all others from illegally
practicing that profession.

By ensuring a minimum level of competence, the licensure process protects the general public.

The Regulatory Authority establishes the acceptable level of ‘Education’ and determines whether an
individual meets that standard by conduct of an ‘Exam’.

On the Regulatory Authority satisfying itself that the candidate posses the required standards, a license
is granted to the candidate for carrying out Insurance Business.

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 Handbook for VLEs on Insurance

The Common Services

Center Scheme (CSC)
The Common Services
Center Scheme is a part of
the National e-Governance
Plan (NeGP).

The Scheme envisages the

setting up of 100,000 + IT-
enabled access points to be
implemented in a Public-
Private Partnership (PPP).
The Common Service
Centers (CSCs) have been
positioned as front end
delivery outlets for delivery
of Government as well as
Private Sector services.
The CSC SPV (Special
Purpose Vehicle)
Under the CSC Scheme, a
Special Purpose Vehicle
(SPV) has been formed, so
that the Government can
progressively migrate to an
e-Governance platform and
enable services through the
CSC network.
National Institute of Electronics & Information
Technology (NIELIT), (erstwhile DOEACC Society),
an Autonomous Scientific Society under the
administrative control of Department of Electronics &
Information Technology (DeitY), Ministry of
Communications and Information Technology,
Government of India, was set up to carry out Human
Resource Development and related activities in the
area of Information, Electronics & Communications
Technology (IECT).
NIELIT is engaged both in Formal &Non-Formal
Education in the area of IECT besides development of
industry oriented quality education and training
programs in the state-of-the-art areas.
NIELIT has endeavored to establish standards in the
country's premier institution for Examination and
Certification in the field of IECT.

It is also one of the National Examination Body, which

accredits institutes/organizations for conducting
courses in IT in the non-formal sector.

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2. Steps to become a licensed RAP

1. VLE to enroll for the ‘Insurance RAP Training’ as a student

2. VLE to Complete Pre-licensing Education

3. VLE to Pay a fees of Rs 350/- towards Examination & Licencing

4. VLE to register for Examination.

5. VLE to Appear for the Exam on the Scheduled date / Time / Venue

6. VLE to pass the examination.

7. LICENSE by IRDA

8. CSC SPV Signs agreement with VLE for insurance sales

9. Product training by Insurance Companies

10. CSC SPV activates the Insurance services on the screen of Licenced VLE

11. VLE starts selling following insurance

a. Life Insurance
b. Motor Insurance
c. Crop Insurance
d. Health Insurance
e. Cattle Insurance
f. Personal Accident Insurance etc…

To know more about insurance through CSC SPV you can e-Mail on insurance@csc.gov.in or
call at 011-32316992.

Who is an RAP?

A Rural Authorised Person (RAP) is an individual who has a license to solicit or

negotiate an Insurance Policy with a client on behalf of the insurance companies.

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3. Pre- Licensing Education

1. Registeration: Log on to http://www.cscacademy.org/

a. Register yourself to enroll for the ‘Insurance RAP Training’ as a student.
b. Registration is ONLINE on http://www.cscacademy.org/
c. Click on “Join CSC Academy”
d. Complete registration form as shown on Page 16 of the document.

2. Eaxamination Fees:At the time of registration, an amount of Rs 350/- is to be paid

towards Examination & Licencing Fee. (Examination fees Rs. 250/- + Licensing fees Rs.
100/-)

VLE to pay the Fee for the ‘Exam and Licence’ through your e-wallet with the Apna CSC
portal http://www.apna.csc.gov.in/ .

3. Registration Code: VLE as a insurance student will be allotted a ‘Registration Code’

4. Download the ‘Insurance Pre-Licensing Education Material’ from

http://www.cscacademy.org/ using the ‘Registration Code’ allotted to you.
a. There are 20 chapters in the ‘Insurance Education Course’
b. Download of chapters is ‘FREE’.
c. You can download a maximum of two chapters per day.
d. All modules have ‘Self Assesment Test’ at the end of each module
e. Practice the Test & Prepare for the Exam.

5. Training Completion:

a. The candidate has to download all the twenty training modules and complete the
‘Self assessment test’ at the end of each module
b. The candidate shall earn one –hour training credit on successful completion of the
self-assessment test for each of the module.
c. Candidate will earn 20 credits on completion of all modules, and will be entitled
for registration of the exam.
d. Certificate of Completion will be provided to the successful candidates from
CSC SPV on their respective E-Mail ids and the candidate will now be eligible to
appear for RAP examination.

4. Registration for Examination

1. The VLE will be able to register for the Insurance Exam only if he has downloaded all
the 20 chapters, and cleared the ONLINE TEST.

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2. A “HALL TICKET” will be issued to you with following details:

a. VLE Name
b. Roll Number .
c. Date and Time of the Exam.
d. Venue of the Exam
e. Detials of the Examination Center

The hall ticket with the above details will be issued to the VLEs who have successfully
downloaded the 20 Modules from CSC portal and completed the ONLINE Training.

5. Results of the Examination

1. Appear for exam

2. Results will be published on www.nielit.gov.in and also on the CSC Portals.
6. RAP Licence

1. CSC and NIELIT will send the details of all the candidates who have passed the exam to
IRDA in the FORMAT mentioned in the agreement.
2. CSC will send the following documents to IRDA in the SOFT COPY FORMAT along
with the License fee of Rs.100/- in respect of all candidates who have passed the exam.
 Application Form (Page No16)
 Identity Proof
 PAN CARD,
 Age Certificate,
 Educational Qualification proof (Minimum 10 Pass)
 Residential proof,
 Aadhaar Card & Photo.
3. IRDA will Scrutinize the application
4. On Application complying with all the requirements, IRDA will issue a LICENSE to the
VLE to operate as a Rural Authorised Person (RAP) for carrying out Insurance Business
for all the Insurance Companies with which CSC SPV has a valid agreement.
5. List of all Insurance Companies which have agreement with CSC SPV will be available
on the CSC Portal.
To know more about insurance through CSC-SPV you can e-Mail on insurance@csc.gov.in or
call at 011-32316992.

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7. One time registration of CSC as study centre

Step 1: Go to www.cscacademy.org , under the CSC Corner click on Join CSC Academy

Step 2: For one time registration as a study centre, The VLE of the CSC shall fill their centre
details in the online form and submit.

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Step 3: On submission of form, the request to join CSC Academy will go to CSC SPV for
approval.

Step 4: On approval, VLE will get an e-mail from CSC Academy with the confirmation of
registration and login details. Only registered CSCs can offer CSC Academy courses.

8. Registration as a student for Insurance RAP Training

Step 5: After the centre is registered, The VLE shall log on to www.cscacademy.org/center by
entering his Username & Password as e-mailed to him by CSC Academy:

Step 6: Click on ‘Add student’ under Student Tab

DEMO STUDENT RGSTRATION

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Step 7: Take picture of the student from the web camera by clicking on Take Snapshot, enter
the student details in the registration form and click Save & Continue (In case of RAP
Insurance training only registered VLEs can enroll as student)

Step 8: Choose ‘Insurance RAP Training’ under the course tab and some additional fields will
appear. Enter the information in the fields, by default the Insurance training fees is Rs. 350 and
click on save once all the details are filled.

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Step 9: After due verification and confirmation by CSC SPV, you will get an e-mail from CSC
academy with the confirmation of registration and login details to start learning the course.

9. Payment of Examination & Licensing Fees

Step 10: Go to http://www.apna.csc.gov.in/ . Under the VLE Detailed Services page, click on
RAP Insurance Fee (Every VLE in order to become RAP shall pay Rs. 350/-). Out of the Fee
collected
Rs.100 is towards Licensing Fee
&
Rs.250 is towards Examination Fee

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Step 11: To pay Rs. 350 as Fees towards Examination & License, the VLE of the CSC shall fill
the details in the online form and submit.

Step 12: On the Payment of the Fees by filling all the Fields in the above form the following
Receipt will be generated.

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10. Online training of student

Step 13: To start learning, you need to visit the following link http://cscacademy.org/student that
will redirect you to the login page. Click on Individual login session, then click on Allow and
click on Take Snapshot to take the picture of the student. Fill your Username and Password (as
e-mailed to you) and click on Login to move ahead.

Step 14: Under ‘My Courses’ tab click on ‘View Modules’.

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Step 15: By clicking on View modules option, you would be able to see all the 20 modules
covered under the ‘Insurance RAP Training’ as given below:

Step 16: You have to start learning from Module 1 up to 20. Select and study the modules in
serial order. You can download only two modules per day.

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Step 17: Select the module and click on ‘Launch’ you will be able to study the material in the
PPT Format and by clicking on ‘Download’ the material will be opened in a PDF Format.

Note: You are advised to refer the PDF File of each module before attempting the assessment.

Step 18: After downloading you can now start studying the downloaded module.

Step 19: After the completing each module, you must appear for the assessment test by clicking
on the assessment option under ‘My Courses’ tab that will open the ‘My Assessment’ window
where you need to click on the ‘Launch Assessment’ and attempt the questions.

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Step 20: In each assessment the candidate need to score minimum of 50% to obtain the
‘Training Completion Certificate’ from CSC SPV (Certificate of Completion will be provided to
the successful candidates from CSC SPV on their respective E-mail Ids) and the candidate will
now be eligible to appear for RAP examination.

II. INSURANCE EXAMINATION OF THE VLE

1. Examination Process

1. The online examination for RAP will be conducted by NIELIT at their centers spread
across India, one day every month

2. The last date for online registration, selection of the date and slot for the examination
will be 20th of every month to appear in the examination scheduled for the next
month. For ex. the last date for online registration is 20th January for the examination
to be conducted in second Saturday of February.

3. NIELIT will announce the schedule dates for registration and examination ‘in
advance’ on www.nielit.gov.in for the information of the applicant VLE.

Last day for Online

Month Date of Exam
Registration
Jan 2014 11th Jan 2014 th
20 Dec 2013
Feb 2014 8th Feb 2014 20th Jan 2014
March 2014 8th Mar 2014 20th Feb 2014
April 2014 12th Apr 2014 20th March 2014
May 2014 10th May 2014 20th April 2014
June 2014 14th June 2014 20th May 2014
July 2014 12th July 2014 20thJune 2014
Aug 2014 9th Aug 2014 20th July 2014
Sep 2014 13th Sep 2014 20th Aug 2014
Oct 2014 11th Oct 2014 20th Sep 2014
Nov 2014 8th Nov 2014 20th Oct 2014
Dec 2014 13th Dec 2014 20th Nov 2014

4. VLE who has a valid Training completion certificate (issued by CSC SPV after
completion of the training course) will only be allowed to appear for the Exam.

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5. The RAP shall appear for the online examination at the designated NIELIT Centre as
per the time slot booked and conveyed by NIELIT / CSC SPV to the candidate on the
admit card. The admit card can be downloaded by the VLE from www.nielit.gov.in

6. NIELIT shall inform the candidates about the results of the Exam electronically on
the terminals of RAP/ or by mailing the result card / and also make provision for the
candidate to download / print the result card for his records from (URL of NIELIT).

7. In case the candidate fails in the examination he / she can reappear for the
examination by repaying of examination fee.

8. NIELIT shall transfer the data of the ‘Qualified Candidates’ in the examination to
IRDA & CSC SPV electronically after the completion of the exam.

9. The Training Fee shall be remitted by the VLE / RAP through e -Wallet while
submitting the application.

10. CSC SPV shall transfer the ‘Exam Fees’ to NIELIT prior to commencement of
examination.

11. The License fee along with the Candidates information will be transferred by CSC
SPV to IRDA after the candidate’s passes the exam.

2. Procedure to follow for Examination

1. Candidates should report to the test center thirty (30) minutes before the examination
and report to the ‘Exam superintendent’.

2. The candidate shall submit the following documents to the ‘Exam superintendent’
i. Examination Form
ii. Copy of Identity Card / Aadhar card
iii. Copy of PAN CARD,
iv. Copy of Age Certificate,
v. Copy of Educational Qualification proof (Minimum 10th Pass),
vi. Copy of Residential proof, &
vii. Original Photograph pasted on the application form.

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3. The ‘Exam superintendent’ of NIELIT shall

i. Authorize the VLE to sit for the Exam.

4. Candidates are required to sign a Candidate Rules Agreement form.

5. If the ‘Candidate Rules Agreement is not followed and/or cheating or tampering with
the examination is suspected, the incident will be reported as such to the Appropriate
Authority for action. The examination fee will not be refunded, the exam may be
determined invalid, and may take further action such as prohibiting candidates from
retaking the examination and/or denying a license.

6. The time allotted for each examination will be ONE Hour. After the examination time
has expired, the examination module will automatically turn off.

7. Candidates will leave the Exam center knowing there status of the result.

3. Score Reporting process

1. The exam will have 100 Questions

2. All questions will be ‘Objective Type Questions’.

3. The passing score for each examination is 35 marks.

4. Candidates who pass the examination will receive a score report that reads “pass” and
no numeric score will be reported.

5. Candidates who fail the examination will receive a score report that reads “fail” and
no numeric score will be reported.

Examination results are confidential and are released only to the candidate and to the CSC-SPV
and IRDA. To ensure confidentiality, NIELIT will not provide score information to any other
entity either by letter / email or telephone.

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4. Examination Form

Application for Rural Authorized Person

Application for ONLINE Insurance exam by NIELIT

No. Particulars of the Candidate

1 VLE OMT ID
2 Course Name
3 Identification Document No Paste PHOTO here
4 PAN No
5 Aadhar Number of the VLE if allotted
6 VLE Name
Line 1
Line 2
Village
Address
7 District
City
PINCODE
8 CSC Center Code
9 CSC Center Location
10 Father's/Husband Name
11 SCA Name
12 SCA Code Number
13 DOB
14 Gender
15 Educational Qualification
16 Nationality
17 Date Of Enrollment as VLE
18 Email Id
19 Mobile No.
Medium In which you would like to attend the
20 exam
Agency License Number
State whether you already
a) An Insurance Agent with Agency License or If “YES” _____________________
21 b) Corporate Agent /Micro Insurance Agent Please
Authorised to solicit Insurance Business (YES mention Validity period of License
or NO)
______________________

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5. Examination centre policies

The following policies are observed at each EXAM CENTER

1. No personal items are allowed in the testing room. Personal items include but are not
limited to cellular phones, hand-held computers/ personal digital assistants (PDAs) or
other electronic devices, pagers, bags, coats, books, and/or notes.
2. Calculators are not permitted nor are they necessary for the exam.
3. Candidates must store all personal items in a secure area as indicated by the administrator
or return items to their vehicle. The test center is not responsible for lost, stolen, or
misplaced personal items.
4. Studying is not allowed in the test center. Visitors, children, family, and/or friends are
not allowed in the test center.
5. Dictionaries, books, papers (including scratch paper), and/or reference materials are not
permitted in the examination room, and candidates are strongly advised not to bring such
materials to the test center.

Candidates who violate any of these policies will not be permitted to finish the examination
and will be dismissed from the test center; the examination fee shall be forfeited.

6. Examination Security

1. Candidates must NOT leave the testing room for breaks. If a candidate is found to have
left the examination center, he/she will not be permitted to proceed with the examination
and exam fees may be forfeited.
2. Any candidate found causing a disturbance of any kind, or engaging in any kind of
misconduct—giving or receiving help; using notes, books, or other aids; taking part in an
act of impersonation;—will be summarily dismissed from the examination and will be
reported to the Appropriate Authority. Decisions regarding disciplinary measures will be
as decided by the ‘Appropriate Authority’.
3. NIELIT examination administration and examination security standards are designed to
ensure that all candidates are given the same opportunity to demonstrate their abilities
and to prevent some candidates from gaining an unfair advantage over others because of
testing irregularities or misconduct.
4. NIELIT maintains the right to question any examination score whose validity is in doubt
because the score may have been obtained unfairly.
5. NIELIT first undertakes a confidential review of the circumstances contributing to the
questions about score validity. If there is sufficient cause to question the score, NIELIT
will refer the matter to the state authority, which will make the final decision on whether
or not to cancel the score.

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III. LICENSING OF VLE

1. Licensing Procedure

1. CSC SPV shall transfer the data, application forms and enclosures of the VLEs who
are successful in the examination, in digital format agreed, to IRDA electronically
after the completion of the exam.
2. NIELIT shall transfer the data of the VLEs who have successfully cleared the
examination, in digital format agreed, to IRDA & CSC SPV electronically after the
completion of the exam.
3. IRDA shall issue the License online in PDF format to RAP and transfer the data of
the licenses issued, to CSC SPV and NIELIT for records.
4. Every VLE shall sign agreement with CSC SPV to solicit Insurance
5. On receipt of the License / data from IRDA, CSC SPV shall enable the RAP’s/ VLE
OMT ID for soliciting the approved insurance products.

2. Suspension / Termination / Replacement of VLE’s at CSC

1. The licence of a RAP may be cancelled or suspended without notice, if it is found

guilty of fraud, or is convicted of a criminal offence; or commits such defaults which
require immediate action in the opinion of the Authority.
2. CSC-SPV shall disable the terminal of the VLE immediately once the VLE (RAP) is
terminated or suspended by SCA / CSC SPV and shall not allow him to solicit the approved
insurance products or carryout the functions permitted under the Guidelines on Common
Service Centers - 2013.
3. Whenever the RAP of the CSC is replaced due to suspension or termination or any other
reason, the new VLE inducted by CSC SPV shall undergo the training, examination and
licensing process to become a RAP under the guidelines.

RAP is barred from soliciting insurance and offering any other insurance business related
services in their individual capacity, in any mode, on behalf of any individual, organization,
or insurance company, other than the CSC scheme model.

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IV. RAP LOGIN PROCESS FOR INSURANCE SALES & SERVICE

1. How to login on APNA CSC

Step 1: Log on at http://apna.csc.gov.in

Step 2: Click on the CSC-Connect Tab

Step 3: Enter CSC ID and Password, click on Authenticate

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Step 4: Enter required data and click on “Next page”

Step 5: Enter required details and click on “Submit Details”

Step 6: VLE will receive an Email and SMS to verify the Email ID & Mobile
number.

Step 7: Click on the link given in the Email and Enter the CSC ID and Activation
password, received on SMS.

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2. Wallet Creation Process

Step 1: Click on the link “click here” to create wallet

Step 2: Click on “Wallet Management” and enter bank details.

Step 3: Click on “Create wallet now”
Step 4: Confirmation message appears for successful wallet creation
Step 5: CSC will also receive wallet password on his Mobile No.

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3. Wallet TOP UP Process

Step 1: Click on “Top-up” to Top up wallet

Step 2: Select payment Mode
Step 3: Enter CSC ID and Amount and click on Recharge Wallet
Step 4: Click on “Make Payment” to confirm
Step 5: Select Payment option and Card Type
Step 6: Fill Bank Details and make payment for wallet top up

4. Process to do Insurance Transaction

Step 1: Click on “VLE Service Page” to view all available services

Step 2: Select the service for example: Click on Life Insurance

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Step 3: Select Insurance Co as LIC and click on Premium payment, Enter Customer
details, and pay Amount

Step 4: The VLE would be shown a screen with all the policy details with the amount
the customer needs to pay.

Step 5: VLE to Enter the Wallet Password and click on submit transaction
Step 6: Print Transaction Receipt and hand it over to customer

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V. REMUNERATION

 The remuneration payable by the Insurer, for the solicitation of policies by the Authorised
RAPs shall not exceed the remuneration as specified by the Authority from time to time
under Sec. 42-E of the Act.
 CSC SPV, on receipt of remuneration related to sales / service of Insurance from the
insurer, shall distribute
o not less than 80% of the same to the respective RAPs
o The remuneration to entities such as SCA’s shall be up to 12 % of the same
 The commission of VLE’s will be paid on a monthly basis by recharging e-wallet of the
VLEs.

Note:

For any further assistance kindly contact CSC Help desk

E-Mail: helpdesk@csc.live.in

Contact No – Technical: 011-32316989

Services: 011-32315641

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