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    10.10.1 E-Rupi: Challenges in Physical Procurement/DBT

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    E-Rupi aims to address challenges with physical procurement and direct benefit transfers for welfare schemes. It uses digital vouchers instead of cash transfers to ensure funds are spent as intended. The government deposits money for a beneficiary's shoes into a bank. It then sends an E-Rupi code to the father to purchase shoes. The father redeems the code at a shoe store, which then deposits it with the bank. This prevents corruption and ensures the money is used to buy shoes rather than being misspent on other items. It also gives flexibility, as the father can supplement the E-Rupi amount with his own cash if the child wants a more expensive pair of shoes.

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    10.10.1 E-Rupi: Challenges in Physical Procurement/DBT

    Uploaded by

    BijoyBanik
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    E-Rupi aims to address challenges with physical procurement and direct benefit transfers for welfare schemes. It uses digital vouchers instead of cash transfers to ensure funds are spent as intended. The government deposits money for a beneficiary's shoes into a bank. It then sends an E-Rupi code to the father to purchase shoes. The father redeems the code at a shoe store, which then deposits it with the bank. This prevents corruption and ensures the money is used to buy shoes rather than being misspent on other items. It also gives flexibility, as the father can supplement the E-Rupi amount with his own cash if the child wants a more expensive pair of shoes.

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    E-Rupi aims to address challenges with physical procurement and direct benefit transfers for welfare schemes. It uses digital vouchers instead of cash transfers to ensure funds are spent as intended. The government deposits money for a beneficiary's shoes into a bank. It then sends an E-Rupi code to the father to purchase shoes. The father redeems the code at a shoe store, which then deposits it with the bank. This prevents corruption and ensures the money is used to buy shoes rather than being misspent on other items. It also gives flexibility, as the father can supplement the E-Rupi amount with his own cash if the child wants a more expensive pair of shoes.

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    © All Rights Reserved
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    12 views1 page

    10.10.1 E-Rupi: Challenges in Physical Procurement/DBT

    Uploaded by

    BijoyBanik
    E-Rupi aims to address challenges with physical procurement and direct benefit transfers for welfare schemes. It uses digital vouchers instead of cash transfers to ensure funds are spent as intended. The government deposits money for a beneficiary's shoes into a bank. It then sends an E-Rupi code to the father to purchase shoes. The father redeems the code at a shoe store, which then deposits it with the bank. This prevents corruption and ensures the money is used to buy shoes rather than being misspent on other items. It also gives flexibility, as the father can supplement the E-Rupi amount with his own cash if the child wants a more expensive pair of shoes.

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    10.10.

    1 �💸💸💸💸E-Rupi: Challenges in Physical Procurement/DBT


    Suppose the government wants to give Rs.500 worth shoes to schoolchild of a poor family. Following
    as the ways to accomplish it. [मान ली�जए सरकार �ू ल के गरीब ब�ों को ₹500 के जूते देना चाहती है]
    Method तरीका How? 😰😰Problem सम�ा
    Physical Government ⇒ 😰😰Minister/IAS demand bribe from
    procurement (Minister/IAS) buys Bata/Lakhani/XYZ to Approve the government
    [सरकार भौ�तक shoes from purchase tender. [सरकारी ठेका पा�रत करवाने के �लए �र�त]
    ��प म� जूतों क� Bata/Lakhani/XYZ ⇒ 😰😰Substandard quality of shoes may be
    ख़रीद कर� और ग़रीब company → send to purchased from crony company who paid bribes.
    ब�ों दे ,] school principal → ⇒ 😰😰District education Officer (DEO), School
    Delivered to Child principal may siphon/selloff shoes to the retail
    [लेिकन यहाँ मं त्री, अफ़सर, �वद्यालय stores instead of giving to poor children [जूतों का
    के हेडमा�र पैसे या जूतों का ग़बन गबन. हेड मा�र गरीब जूतों के ब�े जूते क� दुकान को बेच दे]
    कर� ऐसा डर] ⇒ 😰😰Shoe Size mismatch → Child may get the
    “sarkaari” shoes but may not wear it= waste of
    taxpayer’s money. [जूते ब�े के पैर के नाप के बराबर ना हो]
    Direct benefit Govt transfers ₹500 to 😰😰Father may use DBT money on Vimal, liquor and
    transfer (DBT: father’s account gambling instead of buying shoes for the child
    प्र�� लाभ अंतरण) Govt transfers ₹500 to 😰😰Child may use DBT money to buy Chocolates or
    child’s account Video Games instead of shoes.
    10.10.2 �💸💸💸💸 E-Rupi: How does it fix Problems in Physical Procurement/DBT?

    ⇒ Govt (e.g. Education department) deposits money in a bank account (e.g. SBI) → NPCi
    generates E-rupi code. [Thus it is “pre-paid” by Government for beneficiary]
    ⇒ Government sends this E-Rupi QR Code/SMS Code to father→ ke “Use this Rs.500 to buy shoes
    for child” [सरकार लाभाथ� के मोबाइल फ़ोन पर इ-�पी नामक कोड भेजेगा, के वल जूता ख़रीदने के �लए इ�ेमाल हो सके ]
    ⇒ Father takes child to the shoe store, buys the shoes Pays via E-rupi digital code. Shoestore then
    sends E-rupi code to banker (e.g. SBI) to redeem money (which was deposited by Govt).
    ⇒ Suppose Child prefers Bata (₹800 ka more comfortable leather shoe) over Lakhani (₹500 ka less
    comfortable rubber shoe) → Father pays E-Rupi QR(₹500)+Father’s own cash (300)= buy Bata.

    (Batch:PCB6) Mrunal’s Economy Pillar#1A1 Money: Barter to Bitcoins → Page 27

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