Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 73
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::printArticle() - APP/Controller/ArtileDetailController.php, line 73
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Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 74
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::printArticle() - APP/Controller/ArtileDetailController.php, line 74
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Warning (512): Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853 [CORE/src/Http/ResponseEmitter.php, line 48]
Code Context
            if (Configure::read('debug')) {

                trigger_error($message, E_USER_WARNING);

            } else {
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    <link rel="canonical" href="https://im4change.in/<pre class="cake-error"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr6804931a94870-trace').style.display = (document.getElementById('cakeErr6804931a94870-trace').style.display == 'none' ? '' : 'none');"><b>Notice</b> (8)</a>: Undefined variable: urlPrefix [<b>APP/Template/Layout/printlayout.ctp</b>, line <b>8</b>]<div id="cakeErr6804931a94870-trace" class="cake-stack-trace" style="display: none;"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr6804931a94870-code').style.display = (document.getElementById('cakeErr6804931a94870-code').style.display == 'none' ? '' : 'none')">Code</a> <a href="javascript:void(0);" onclick="document.getElementById('cakeErr6804931a94870-context').style.display = (document.getElementById('cakeErr6804931a94870-context').style.display == 'none' ? '' : 'none')">Context</a><pre id="cakeErr6804931a94870-code" class="cake-code-dump" style="display: none;"><code><span style="color: #000000"><span style="color: #0000BB"></span><span style="color: #007700">&lt;</span><span style="color: #0000BB">head</span><span style="color: #007700">&gt;
</span></span></code>
<span class="code-highlight"><code><span style="color: #000000">&nbsp;&nbsp;&nbsp;&nbsp;&lt;link&nbsp;rel="canonical"&nbsp;href="<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">Configure</span><span style="color: #007700">::</span><span style="color: #0000BB">read</span><span style="color: #007700">(</span><span style="color: #DD0000">'SITE_URL'</span><span style="color: #007700">);&nbsp;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$urlPrefix</span><span style="color: #007700">;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">category</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">slug</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>/<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">seo_url</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>.html"/&gt;
</span></code></span>
<code><span style="color: #000000"><span style="color: #0000BB">&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="color: #007700">&lt;</span><span style="color: #0000BB">meta&nbsp;http</span><span style="color: #007700">-</span><span style="color: #0000BB">equiv</span><span style="color: #007700">=</span><span style="color: #DD0000">"Content-Type"&nbsp;</span><span style="color: #0000BB">content</span><span style="color: #007700">=</span><span style="color: #DD0000">"text/html;&nbsp;charset=utf-8"</span><span style="color: #007700">/&gt;
</span></span></code></pre><pre id="cakeErr6804931a94870-context" class="cake-context" style="display: none;">$viewFile = &#039;/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp&#039;
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		&#039;id&#039; =&gt; (int) 4815,
		&#039;title&#039; =&gt; &#039;Hamlet becomes banking smart by Amit Gupta&#039;,
		&#039;subheading&#039; =&gt; &#039;&#039;,
		&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
Farmer Dharamshyam Kujur put the hitherto 
nondescript village of Doba in Kudu block of Lohardaga district on the 
banking map of India today as he withdrew Rs 100 from his newly opened 
account.
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
Watching him 
create history was Reserve Bank of India (RBI) governor D. Subbarao, 
who, as part of RBI&amp;rsquo;s ambitious outreach programme aimed at financial 
inclusion, inaugurated a smart card-based satellite banking system in 
the village earlier in the day.
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
As Kujur received 
his money from business agent Reena, who has been employed by Bank of 
India (BoI) that has opened a new branch in neighbouring Tati village, 
it was a dream come true for his fellow villagers who now have banks 
literally on their doorstep.
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
After reaching the tiny village surrounded by sakhua trees, the RBI chief disarmed his hosts by stating: &amp;ldquo;&lt;em&gt;Main&lt;/em&gt; Mumbai &lt;em&gt;se aaya hoon&lt;/em&gt;, &lt;em&gt;main &lt;/em&gt;RBI governor &lt;em&gt;hoon&lt;/em&gt;, &lt;em&gt;main chahata hoon ki har gram in&lt;/em&gt; bank &lt;em&gt;se jude&lt;/em&gt; (I have come from Mumbai. I am the RBI governor and I wish that all the villages use banking services).&amp;rdquo; 
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
The satellite 
banking system that Subbarao inaugurated works with the help of a 
GPRS-enabled hand-held device, which is operated by business agents 
employed by the banks to provide services in remote villages.
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
The device has 
three main features &amp;mdash; a slot to insert a smart card, which will be given
to villagers who open accounts with a nationalised bank, a space to 
record fingerprints as authentication and a rectangular display board 
that displays messages and speaks as well to illiterate villagers. 
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
As soon as Kujur 
withdrew Rs 100, the message board displayed that he had Rs 395 left in 
his account, which was confirmed by the account holder. 
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
Chief secretary 
A.K. Singh, who was present on the occasion, said during his tour of 
Chatra he was aghast to find villagers encashing their Rs 100 cheques 
for Rs 70 in order to avoid complicated bank transactions and delays. 
&amp;ldquo;In many instances, I found it took about two months for poor MGNREGS 
labourers to encash their cheques and they had to travel miles to avail 
banking services. Now, I hope the satellite-based smart card system will
solve their problem,&amp;rdquo; he said. 
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
It was also an opportune moment for the chief secretary to air his grievances on behalf of the people.  
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
&amp;ldquo;The banks 
operating in the state have never achieved the target of distribution of
Kisan Credit Cards. Cash deposit ratio is a meagre 43 per cent here 
compared to the national average of 73 per cent. Moreover, there is one 
bank for a population of 18,000 while RBI&amp;rsquo;s mandate is to open a bank in
a village/area with a population of 2,000,&amp;rdquo; he said, much to the 
concern of top officials of various nationalised banks who were present.
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
State Bank of 
India has already distributed 67 smart cards in Doba village and aims to
open 800 accounts soon. The accounts are being opened at the SBI branch
in the district headquarters of Lohardaga, but the villagers will not 
need to visit the branch and instead can rely on the business agent who 
will visit their village regularly to allow the account holders to 
withdraw/deposit money. 
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
SBI&amp;rsquo;s deputy 
general manager R. Venkatachalam, Patna-based general manager D. 
Majumdar and Jharkhand-based deputy general manager Pinak Chakraborty 
were present on the occasion today.
&lt;/p&gt;&#039;,
		&#039;credit_writer&#039; =&gt; &#039;The Telegraph, 15 December, 2010, http://www.telegraphindia.com/1101216/jsp/frontpage/story_13307067.jsp&#039;,
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	&#039;articleid&#039; =&gt; (int) 4815,
	&#039;metaTitle&#039; =&gt; &#039;LATEST NEWS UPDATES | Hamlet becomes banking smart by Amit Gupta&#039;,
	&#039;metaKeywords&#039; =&gt; &#039;Financial Inclusion&#039;,
	&#039;metaDesc&#039; =&gt; &#039;
Farmer Dharamshyam Kujur put the hitherto 
nondescript village of Doba in Kudu block of Lohardaga district on the 
banking map of India today as he withdrew Rs 100 from his newly opened 
account.


Watching him 
create history was Reserve Bank of...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;Farmer Dharamshyam Kujur put the hitherto nondescript village of Doba in Kudu block of Lohardaga district on the banking map of India today as he withdrew Rs 100 from his newly opened account.&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;Watching him create history was Reserve Bank of India (RBI) governor D. Subbarao, who, as part of RBI&amp;rsquo;s ambitious outreach programme aimed at financial inclusion, inaugurated a smart card-based satellite banking system in the village earlier in the day.&lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;As Kujur received his money from business agent Reena, who has been employed by Bank of India (BoI) that has opened a new branch in neighbouring Tati village, it was a dream come true for his fellow villagers who now have banks literally on their doorstep.&lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;After reaching the tiny village surrounded by sakhua trees, the RBI chief disarmed his hosts by stating: &amp;ldquo;&lt;em&gt;Main&lt;/em&gt; Mumbai &lt;em&gt;se aaya hoon&lt;/em&gt;, &lt;em&gt;main &lt;/em&gt;RBI governor &lt;em&gt;hoon&lt;/em&gt;, &lt;em&gt;main chahata hoon ki har gram in&lt;/em&gt; bank &lt;em&gt;se jude&lt;/em&gt; (I have come from Mumbai. I am the RBI governor and I wish that all the villages use banking services).&amp;rdquo; &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;The satellite banking system that Subbarao inaugurated works with the help of a GPRS-enabled hand-held device, which is operated by business agents employed by the banks to provide services in remote villages.&lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;The device has three main features &amp;mdash; a slot to insert a smart card, which will be givento villagers who open accounts with a nationalised bank, a space to record fingerprints as authentication and a rectangular display board that displays messages and speaks as well to illiterate villagers. &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;As soon as Kujur withdrew Rs 100, the message board displayed that he had Rs 395 left in his account, which was confirmed by the account holder. &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;Chief secretary A.K. Singh, who was present on the occasion, said during his tour of Chatra he was aghast to find villagers encashing their Rs 100 cheques for Rs 70 in order to avoid complicated bank transactions and delays. &amp;ldquo;In many instances, I found it took about two months for poor MGNREGS labourers to encash their cheques and they had to travel miles to avail banking services. Now, I hope the satellite-based smart card system willsolve their problem,&amp;rdquo; he said. &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;It was also an opportune moment for the chief secretary to air his grievances on behalf of the people.  &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;&amp;ldquo;The banks operating in the state have never achieved the target of distribution ofKisan Credit Cards. Cash deposit ratio is a meagre 43 per cent here compared to the national average of 73 per cent. Moreover, there is one bank for a population of 18,000 while RBI&amp;rsquo;s mandate is to open a bank ina village/area with a population of 2,000,&amp;rdquo; he said, much to the concern of top officials of various nationalised banks who were present.&lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;State Bank of India has already distributed 67 smart cards in Doba village and aims toopen 800 accounts soon. The accounts are being opened at the SBI branchin the district headquarters of Lohardaga, but the villagers will not need to visit the branch and instead can rely on the business agent who will visit their village regularly to allow the account holders to withdraw/deposit money. &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;SBI&amp;rsquo;s deputy general manager R. Venkatachalam, Patna-based general manager D. Majumdar and Jharkhand-based deputy general manager Pinak Chakraborty were present on the occasion today.&lt;/p&gt;&#039;,
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	&#039;id&#039; =&gt; (int) 4815,
	&#039;title&#039; =&gt; &#039;Hamlet becomes banking smart by Amit Gupta&#039;,
	&#039;subheading&#039; =&gt; &#039;&#039;,
	&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
Farmer Dharamshyam Kujur put the hitherto 
nondescript village of Doba in Kudu block of Lohardaga district on the 
banking map of India today as he withdrew Rs 100 from his newly opened 
account.
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
Watching him 
create history was Reserve Bank of India (RBI) governor D. Subbarao, 
who, as part of RBI&amp;rsquo;s ambitious outreach programme aimed at financial 
inclusion, inaugurated a smart card-based satellite banking system in 
the village earlier in the day.
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
As Kujur received 
his money from business agent Reena, who has been employed by Bank of 
India (BoI) that has opened a new branch in neighbouring Tati village, 
it was a dream come true for his fellow villagers who now have banks 
literally on their doorstep.
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
After reaching the tiny village surrounded by sakhua trees, the RBI chief disarmed his hosts by stating: &amp;ldquo;&lt;em&gt;Main&lt;/em&gt; Mumbai &lt;em&gt;se aaya hoon&lt;/em&gt;, &lt;em&gt;main &lt;/em&gt;RBI governor &lt;em&gt;hoon&lt;/em&gt;, &lt;em&gt;main chahata hoon ki har gram in&lt;/em&gt; bank &lt;em&gt;se jude&lt;/em&gt; (I have come from Mumbai. I am the RBI governor and I wish that all the villages use banking services).&amp;rdquo; 
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
The satellite 
banking system that Subbarao inaugurated works with the help of a 
GPRS-enabled hand-held device, which is operated by business agents 
employed by the banks to provide services in remote villages.
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
The device has 
three main features &amp;mdash; a slot to insert a smart card, which will be given
to villagers who open accounts with a nationalised bank, a space to 
record fingerprints as authentication and a rectangular display board 
that displays messages and speaks as well to illiterate villagers. 
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
As soon as Kujur 
withdrew Rs 100, the message board displayed that he had Rs 395 left in 
his account, which was confirmed by the account holder. 
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
Chief secretary 
A.K. Singh, who was present on the occasion, said during his tour of 
Chatra he was aghast to find villagers encashing their Rs 100 cheques 
for Rs 70 in order to avoid complicated bank transactions and delays. 
&amp;ldquo;In many instances, I found it took about two months for poor MGNREGS 
labourers to encash their cheques and they had to travel miles to avail 
banking services. Now, I hope the satellite-based smart card system will
solve their problem,&amp;rdquo; he said. 
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
It was also an opportune moment for the chief secretary to air his grievances on behalf of the people.  
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
&amp;ldquo;The banks 
operating in the state have never achieved the target of distribution of
Kisan Credit Cards. Cash deposit ratio is a meagre 43 per cent here 
compared to the national average of 73 per cent. Moreover, there is one 
bank for a population of 18,000 while RBI&amp;rsquo;s mandate is to open a bank in
a village/area with a population of 2,000,&amp;rdquo; he said, much to the 
concern of top officials of various nationalised banks who were present.
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
State Bank of 
India has already distributed 67 smart cards in Doba village and aims to
open 800 accounts soon. The accounts are being opened at the SBI branch
in the district headquarters of Lohardaga, but the villagers will not 
need to visit the branch and instead can rely on the business agent who 
will visit their village regularly to allow the account holders to 
withdraw/deposit money. 
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
SBI&amp;rsquo;s deputy 
general manager R. Venkatachalam, Patna-based general manager D. 
Majumdar and Jharkhand-based deputy general manager Pinak Chakraborty 
were present on the occasion today.
&lt;/p&gt;&#039;,
	&#039;credit_writer&#039; =&gt; &#039;The Telegraph, 15 December, 2010, http://www.telegraphindia.com/1101216/jsp/frontpage/story_13307067.jsp&#039;,
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$metaTitle = &#039;LATEST NEWS UPDATES | Hamlet becomes banking smart by Amit Gupta&#039;
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Farmer Dharamshyam Kujur put the hitherto 
nondescript village of Doba in Kudu block of Lohardaga district on the 
banking map of India today as he withdrew Rs 100 from his newly opened 
account.


Watching him 
create history was Reserve Bank of...&#039;
$disp = &#039;&lt;div align=&quot;justify&quot;&gt;Farmer Dharamshyam Kujur put the hitherto nondescript village of Doba in Kudu block of Lohardaga district on the banking map of India today as he withdrew Rs 100 from his newly opened account.&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;Watching him create history was Reserve Bank of India (RBI) governor D. Subbarao, who, as part of RBI&amp;rsquo;s ambitious outreach programme aimed at financial inclusion, inaugurated a smart card-based satellite banking system in the village earlier in the day.&lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;As Kujur received his money from business agent Reena, who has been employed by Bank of India (BoI) that has opened a new branch in neighbouring Tati village, it was a dream come true for his fellow villagers who now have banks literally on their doorstep.&lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;After reaching the tiny village surrounded by sakhua trees, the RBI chief disarmed his hosts by stating: &amp;ldquo;&lt;em&gt;Main&lt;/em&gt; Mumbai &lt;em&gt;se aaya hoon&lt;/em&gt;, &lt;em&gt;main &lt;/em&gt;RBI governor &lt;em&gt;hoon&lt;/em&gt;, &lt;em&gt;main chahata hoon ki har gram in&lt;/em&gt; bank &lt;em&gt;se jude&lt;/em&gt; (I have come from Mumbai. I am the RBI governor and I wish that all the villages use banking services).&amp;rdquo; &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;The satellite banking system that Subbarao inaugurated works with the help of a GPRS-enabled hand-held device, which is operated by business agents employed by the banks to provide services in remote villages.&lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;The device has three main features &amp;mdash; a slot to insert a smart card, which will be givento villagers who open accounts with a nationalised bank, a space to record fingerprints as authentication and a rectangular display board that displays messages and speaks as well to illiterate villagers. &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;As soon as Kujur withdrew Rs 100, the message board displayed that he had Rs 395 left in his account, which was confirmed by the account holder. &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;Chief secretary A.K. Singh, who was present on the occasion, said during his tour of Chatra he was aghast to find villagers encashing their Rs 100 cheques for Rs 70 in order to avoid complicated bank transactions and delays. &amp;ldquo;In many instances, I found it took about two months for poor MGNREGS labourers to encash their cheques and they had to travel miles to avail banking services. Now, I hope the satellite-based smart card system willsolve their problem,&amp;rdquo; he said. &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;It was also an opportune moment for the chief secretary to air his grievances on behalf of the people.  &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;&amp;ldquo;The banks operating in the state have never achieved the target of distribution ofKisan Credit Cards. Cash deposit ratio is a meagre 43 per cent here compared to the national average of 73 per cent. Moreover, there is one bank for a population of 18,000 while RBI&amp;rsquo;s mandate is to open a bank ina village/area with a population of 2,000,&amp;rdquo; he said, much to the concern of top officials of various nationalised banks who were present.&lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;State Bank of India has already distributed 67 smart cards in Doba village and aims toopen 800 accounts soon. The accounts are being opened at the SBI branchin the district headquarters of Lohardaga, but the villagers will not need to visit the branch and instead can rely on the business agent who will visit their village regularly to allow the account holders to withdraw/deposit money. &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;SBI&amp;rsquo;s deputy general manager R. Venkatachalam, Patna-based general manager D. Majumdar and Jharkhand-based deputy general manager Pinak Chakraborty were present on the occasion today.&lt;/p&gt;&#039;
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                <strong>Hamlet becomes banking smart by Amit Gupta</strong></h1>
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                <div align="justify">Farmer Dharamshyam Kujur put the hitherto nondescript village of Doba in Kudu block of Lohardaga district on the banking map of India today as he withdrew Rs 100 from his newly opened account.</div><p class="story" align="justify">Watching him create history was Reserve Bank of India (RBI) governor D. Subbarao, who, as part of RBI&rsquo;s ambitious outreach programme aimed at financial inclusion, inaugurated a smart card-based satellite banking system in the village earlier in the day.</p><div align="justify"></div><p class="story" align="justify">As Kujur received his money from business agent Reena, who has been employed by Bank of India (BoI) that has opened a new branch in neighbouring Tati village, it was a dream come true for his fellow villagers who now have banks literally on their doorstep.</p><div align="justify"></div><p class="story" align="justify">After reaching the tiny village surrounded by sakhua trees, the RBI chief disarmed his hosts by stating: &ldquo;<em>Main</em> Mumbai <em>se aaya hoon</em>, <em>main </em>RBI governor <em>hoon</em>, <em>main chahata hoon ki har gram in</em> bank <em>se jude</em> (I have come from Mumbai. I am the RBI governor and I wish that all the villages use banking services).&rdquo; </p><div align="justify"></div><p class="story" align="justify">The satellite banking system that Subbarao inaugurated works with the help of a GPRS-enabled hand-held device, which is operated by business agents employed by the banks to provide services in remote villages.</p><div align="justify"></div><p class="story" align="justify">The device has three main features &mdash; a slot to insert a smart card, which will be givento villagers who open accounts with a nationalised bank, a space to record fingerprints as authentication and a rectangular display board that displays messages and speaks as well to illiterate villagers. </p><div align="justify"></div><p class="story" align="justify">As soon as Kujur withdrew Rs 100, the message board displayed that he had Rs 395 left in his account, which was confirmed by the account holder. </p><div align="justify"></div><p class="story" align="justify">Chief secretary A.K. Singh, who was present on the occasion, said during his tour of Chatra he was aghast to find villagers encashing their Rs 100 cheques for Rs 70 in order to avoid complicated bank transactions and delays. &ldquo;In many instances, I found it took about two months for poor MGNREGS labourers to encash their cheques and they had to travel miles to avail banking services. Now, I hope the satellite-based smart card system willsolve their problem,&rdquo; he said. </p><div align="justify"></div><p class="story" align="justify">It was also an opportune moment for the chief secretary to air his grievances on behalf of the people.  </p><div align="justify"></div><p class="story" align="justify">&ldquo;The banks operating in the state have never achieved the target of distribution ofKisan Credit Cards. Cash deposit ratio is a meagre 43 per cent here compared to the national average of 73 per cent. Moreover, there is one bank for a population of 18,000 while RBI&rsquo;s mandate is to open a bank ina village/area with a population of 2,000,&rdquo; he said, much to the concern of top officials of various nationalised banks who were present.</p><div align="justify"></div><p class="story" align="justify">State Bank of India has already distributed 67 smart cards in Doba village and aims toopen 800 accounts soon. The accounts are being opened at the SBI branchin the district headquarters of Lohardaga, but the villagers will not need to visit the branch and instead can rely on the business agent who will visit their village regularly to allow the account holders to withdraw/deposit money. </p><div align="justify"></div><p class="story" align="justify">SBI&rsquo;s deputy general manager R. Venkatachalam, Patna-based general manager D. Majumdar and Jharkhand-based deputy general manager Pinak Chakraborty were present on the occasion today.</p>               </font>
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</span></span></code>
<span class="code-highlight"><code><span style="color: #000000">&nbsp;&nbsp;&nbsp;&nbsp;&lt;link&nbsp;rel="canonical"&nbsp;href="<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">Configure</span><span style="color: #007700">::</span><span style="color: #0000BB">read</span><span style="color: #007700">(</span><span style="color: #DD0000">'SITE_URL'</span><span style="color: #007700">);&nbsp;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$urlPrefix</span><span style="color: #007700">;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">category</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">slug</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>/<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">seo_url</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>.html"/&gt;
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		&#039;title&#039; =&gt; &#039;Hamlet becomes banking smart by Amit Gupta&#039;,
		&#039;subheading&#039; =&gt; &#039;&#039;,
		&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
Farmer Dharamshyam Kujur put the hitherto 
nondescript village of Doba in Kudu block of Lohardaga district on the 
banking map of India today as he withdrew Rs 100 from his newly opened 
account.
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
Watching him 
create history was Reserve Bank of India (RBI) governor D. Subbarao, 
who, as part of RBI&amp;rsquo;s ambitious outreach programme aimed at financial 
inclusion, inaugurated a smart card-based satellite banking system in 
the village earlier in the day.
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
As Kujur received 
his money from business agent Reena, who has been employed by Bank of 
India (BoI) that has opened a new branch in neighbouring Tati village, 
it was a dream come true for his fellow villagers who now have banks 
literally on their doorstep.
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
After reaching the tiny village surrounded by sakhua trees, the RBI chief disarmed his hosts by stating: &amp;ldquo;&lt;em&gt;Main&lt;/em&gt; Mumbai &lt;em&gt;se aaya hoon&lt;/em&gt;, &lt;em&gt;main &lt;/em&gt;RBI governor &lt;em&gt;hoon&lt;/em&gt;, &lt;em&gt;main chahata hoon ki har gram in&lt;/em&gt; bank &lt;em&gt;se jude&lt;/em&gt; (I have come from Mumbai. I am the RBI governor and I wish that all the villages use banking services).&amp;rdquo; 
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
The satellite 
banking system that Subbarao inaugurated works with the help of a 
GPRS-enabled hand-held device, which is operated by business agents 
employed by the banks to provide services in remote villages.
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
The device has 
three main features &amp;mdash; a slot to insert a smart card, which will be given
to villagers who open accounts with a nationalised bank, a space to 
record fingerprints as authentication and a rectangular display board 
that displays messages and speaks as well to illiterate villagers. 
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
As soon as Kujur 
withdrew Rs 100, the message board displayed that he had Rs 395 left in 
his account, which was confirmed by the account holder. 
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
Chief secretary 
A.K. Singh, who was present on the occasion, said during his tour of 
Chatra he was aghast to find villagers encashing their Rs 100 cheques 
for Rs 70 in order to avoid complicated bank transactions and delays. 
&amp;ldquo;In many instances, I found it took about two months for poor MGNREGS 
labourers to encash their cheques and they had to travel miles to avail 
banking services. Now, I hope the satellite-based smart card system will
solve their problem,&amp;rdquo; he said. 
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
It was also an opportune moment for the chief secretary to air his grievances on behalf of the people.  
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
&amp;ldquo;The banks 
operating in the state have never achieved the target of distribution of
Kisan Credit Cards. Cash deposit ratio is a meagre 43 per cent here 
compared to the national average of 73 per cent. Moreover, there is one 
bank for a population of 18,000 while RBI&amp;rsquo;s mandate is to open a bank in
a village/area with a population of 2,000,&amp;rdquo; he said, much to the 
concern of top officials of various nationalised banks who were present.
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
State Bank of 
India has already distributed 67 smart cards in Doba village and aims to
open 800 accounts soon. The accounts are being opened at the SBI branch
in the district headquarters of Lohardaga, but the villagers will not 
need to visit the branch and instead can rely on the business agent who 
will visit their village regularly to allow the account holders to 
withdraw/deposit money. 
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
SBI&amp;rsquo;s deputy 
general manager R. Venkatachalam, Patna-based general manager D. 
Majumdar and Jharkhand-based deputy general manager Pinak Chakraborty 
were present on the occasion today.
&lt;/p&gt;&#039;,
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	&#039;metaTitle&#039; =&gt; &#039;LATEST NEWS UPDATES | Hamlet becomes banking smart by Amit Gupta&#039;,
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Farmer Dharamshyam Kujur put the hitherto 
nondescript village of Doba in Kudu block of Lohardaga district on the 
banking map of India today as he withdrew Rs 100 from his newly opened 
account.


Watching him 
create history was Reserve Bank of...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;Farmer Dharamshyam Kujur put the hitherto nondescript village of Doba in Kudu block of Lohardaga district on the banking map of India today as he withdrew Rs 100 from his newly opened account.&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;Watching him create history was Reserve Bank of India (RBI) governor D. Subbarao, who, as part of RBI&amp;rsquo;s ambitious outreach programme aimed at financial inclusion, inaugurated a smart card-based satellite banking system in the village earlier in the day.&lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;As Kujur received his money from business agent Reena, who has been employed by Bank of India (BoI) that has opened a new branch in neighbouring Tati village, it was a dream come true for his fellow villagers who now have banks literally on their doorstep.&lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;After reaching the tiny village surrounded by sakhua trees, the RBI chief disarmed his hosts by stating: &amp;ldquo;&lt;em&gt;Main&lt;/em&gt; Mumbai &lt;em&gt;se aaya hoon&lt;/em&gt;, &lt;em&gt;main &lt;/em&gt;RBI governor &lt;em&gt;hoon&lt;/em&gt;, &lt;em&gt;main chahata hoon ki har gram in&lt;/em&gt; bank &lt;em&gt;se jude&lt;/em&gt; (I have come from Mumbai. I am the RBI governor and I wish that all the villages use banking services).&amp;rdquo; &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;The satellite banking system that Subbarao inaugurated works with the help of a GPRS-enabled hand-held device, which is operated by business agents employed by the banks to provide services in remote villages.&lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;The device has three main features &amp;mdash; a slot to insert a smart card, which will be givento villagers who open accounts with a nationalised bank, a space to record fingerprints as authentication and a rectangular display board that displays messages and speaks as well to illiterate villagers. &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;As soon as Kujur withdrew Rs 100, the message board displayed that he had Rs 395 left in his account, which was confirmed by the account holder. &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;Chief secretary A.K. Singh, who was present on the occasion, said during his tour of Chatra he was aghast to find villagers encashing their Rs 100 cheques for Rs 70 in order to avoid complicated bank transactions and delays. &amp;ldquo;In many instances, I found it took about two months for poor MGNREGS labourers to encash their cheques and they had to travel miles to avail banking services. Now, I hope the satellite-based smart card system willsolve their problem,&amp;rdquo; he said. &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;It was also an opportune moment for the chief secretary to air his grievances on behalf of the people.  &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;&amp;ldquo;The banks operating in the state have never achieved the target of distribution ofKisan Credit Cards. Cash deposit ratio is a meagre 43 per cent here compared to the national average of 73 per cent. Moreover, there is one bank for a population of 18,000 while RBI&amp;rsquo;s mandate is to open a bank ina village/area with a population of 2,000,&amp;rdquo; he said, much to the concern of top officials of various nationalised banks who were present.&lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;State Bank of India has already distributed 67 smart cards in Doba village and aims toopen 800 accounts soon. The accounts are being opened at the SBI branchin the district headquarters of Lohardaga, but the villagers will not need to visit the branch and instead can rely on the business agent who will visit their village regularly to allow the account holders to withdraw/deposit money. &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;SBI&amp;rsquo;s deputy general manager R. Venkatachalam, Patna-based general manager D. Majumdar and Jharkhand-based deputy general manager Pinak Chakraborty were present on the occasion today.&lt;/p&gt;&#039;,
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	&#039;id&#039; =&gt; (int) 4815,
	&#039;title&#039; =&gt; &#039;Hamlet becomes banking smart by Amit Gupta&#039;,
	&#039;subheading&#039; =&gt; &#039;&#039;,
	&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
Farmer Dharamshyam Kujur put the hitherto 
nondescript village of Doba in Kudu block of Lohardaga district on the 
banking map of India today as he withdrew Rs 100 from his newly opened 
account.
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
Watching him 
create history was Reserve Bank of India (RBI) governor D. Subbarao, 
who, as part of RBI&amp;rsquo;s ambitious outreach programme aimed at financial 
inclusion, inaugurated a smart card-based satellite banking system in 
the village earlier in the day.
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
As Kujur received 
his money from business agent Reena, who has been employed by Bank of 
India (BoI) that has opened a new branch in neighbouring Tati village, 
it was a dream come true for his fellow villagers who now have banks 
literally on their doorstep.
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
After reaching the tiny village surrounded by sakhua trees, the RBI chief disarmed his hosts by stating: &amp;ldquo;&lt;em&gt;Main&lt;/em&gt; Mumbai &lt;em&gt;se aaya hoon&lt;/em&gt;, &lt;em&gt;main &lt;/em&gt;RBI governor &lt;em&gt;hoon&lt;/em&gt;, &lt;em&gt;main chahata hoon ki har gram in&lt;/em&gt; bank &lt;em&gt;se jude&lt;/em&gt; (I have come from Mumbai. I am the RBI governor and I wish that all the villages use banking services).&amp;rdquo; 
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
The satellite 
banking system that Subbarao inaugurated works with the help of a 
GPRS-enabled hand-held device, which is operated by business agents 
employed by the banks to provide services in remote villages.
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
The device has 
three main features &amp;mdash; a slot to insert a smart card, which will be given
to villagers who open accounts with a nationalised bank, a space to 
record fingerprints as authentication and a rectangular display board 
that displays messages and speaks as well to illiterate villagers. 
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
As soon as Kujur 
withdrew Rs 100, the message board displayed that he had Rs 395 left in 
his account, which was confirmed by the account holder. 
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
Chief secretary 
A.K. Singh, who was present on the occasion, said during his tour of 
Chatra he was aghast to find villagers encashing their Rs 100 cheques 
for Rs 70 in order to avoid complicated bank transactions and delays. 
&amp;ldquo;In many instances, I found it took about two months for poor MGNREGS 
labourers to encash their cheques and they had to travel miles to avail 
banking services. Now, I hope the satellite-based smart card system will
solve their problem,&amp;rdquo; he said. 
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
It was also an opportune moment for the chief secretary to air his grievances on behalf of the people.  
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
&amp;ldquo;The banks 
operating in the state have never achieved the target of distribution of
Kisan Credit Cards. Cash deposit ratio is a meagre 43 per cent here 
compared to the national average of 73 per cent. Moreover, there is one 
bank for a population of 18,000 while RBI&amp;rsquo;s mandate is to open a bank in
a village/area with a population of 2,000,&amp;rdquo; he said, much to the 
concern of top officials of various nationalised banks who were present.
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
State Bank of 
India has already distributed 67 smart cards in Doba village and aims to
open 800 accounts soon. The accounts are being opened at the SBI branch
in the district headquarters of Lohardaga, but the villagers will not 
need to visit the branch and instead can rely on the business agent who 
will visit their village regularly to allow the account holders to 
withdraw/deposit money. 
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
SBI&amp;rsquo;s deputy 
general manager R. Venkatachalam, Patna-based general manager D. 
Majumdar and Jharkhand-based deputy general manager Pinak Chakraborty 
were present on the occasion today.
&lt;/p&gt;&#039;,
	&#039;credit_writer&#039; =&gt; &#039;The Telegraph, 15 December, 2010, http://www.telegraphindia.com/1101216/jsp/frontpage/story_13307067.jsp&#039;,
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$metaTitle = &#039;LATEST NEWS UPDATES | Hamlet becomes banking smart by Amit Gupta&#039;
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Farmer Dharamshyam Kujur put the hitherto 
nondescript village of Doba in Kudu block of Lohardaga district on the 
banking map of India today as he withdrew Rs 100 from his newly opened 
account.


Watching him 
create history was Reserve Bank of...&#039;
$disp = &#039;&lt;div align=&quot;justify&quot;&gt;Farmer Dharamshyam Kujur put the hitherto nondescript village of Doba in Kudu block of Lohardaga district on the banking map of India today as he withdrew Rs 100 from his newly opened account.&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;Watching him create history was Reserve Bank of India (RBI) governor D. Subbarao, who, as part of RBI&amp;rsquo;s ambitious outreach programme aimed at financial inclusion, inaugurated a smart card-based satellite banking system in the village earlier in the day.&lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;As Kujur received his money from business agent Reena, who has been employed by Bank of India (BoI) that has opened a new branch in neighbouring Tati village, it was a dream come true for his fellow villagers who now have banks literally on their doorstep.&lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;After reaching the tiny village surrounded by sakhua trees, the RBI chief disarmed his hosts by stating: &amp;ldquo;&lt;em&gt;Main&lt;/em&gt; Mumbai &lt;em&gt;se aaya hoon&lt;/em&gt;, &lt;em&gt;main &lt;/em&gt;RBI governor &lt;em&gt;hoon&lt;/em&gt;, &lt;em&gt;main chahata hoon ki har gram in&lt;/em&gt; bank &lt;em&gt;se jude&lt;/em&gt; (I have come from Mumbai. I am the RBI governor and I wish that all the villages use banking services).&amp;rdquo; &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;The satellite banking system that Subbarao inaugurated works with the help of a GPRS-enabled hand-held device, which is operated by business agents employed by the banks to provide services in remote villages.&lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;The device has three main features &amp;mdash; a slot to insert a smart card, which will be givento villagers who open accounts with a nationalised bank, a space to record fingerprints as authentication and a rectangular display board that displays messages and speaks as well to illiterate villagers. &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;As soon as Kujur withdrew Rs 100, the message board displayed that he had Rs 395 left in his account, which was confirmed by the account holder. &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;Chief secretary A.K. Singh, who was present on the occasion, said during his tour of Chatra he was aghast to find villagers encashing their Rs 100 cheques for Rs 70 in order to avoid complicated bank transactions and delays. &amp;ldquo;In many instances, I found it took about two months for poor MGNREGS labourers to encash their cheques and they had to travel miles to avail banking services. Now, I hope the satellite-based smart card system willsolve their problem,&amp;rdquo; he said. &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;It was also an opportune moment for the chief secretary to air his grievances on behalf of the people.  &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;&amp;ldquo;The banks operating in the state have never achieved the target of distribution ofKisan Credit Cards. Cash deposit ratio is a meagre 43 per cent here compared to the national average of 73 per cent. Moreover, there is one bank for a population of 18,000 while RBI&amp;rsquo;s mandate is to open a bank ina village/area with a population of 2,000,&amp;rdquo; he said, much to the concern of top officials of various nationalised banks who were present.&lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;State Bank of India has already distributed 67 smart cards in Doba village and aims toopen 800 accounts soon. The accounts are being opened at the SBI branchin the district headquarters of Lohardaga, but the villagers will not need to visit the branch and instead can rely on the business agent who will visit their village regularly to allow the account holders to withdraw/deposit money. &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;SBI&amp;rsquo;s deputy general manager R. Venkatachalam, Patna-based general manager D. Majumdar and Jharkhand-based deputy general manager Pinak Chakraborty were present on the occasion today.&lt;/p&gt;&#039;
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Farmer Dharamshyam Kujur put the hitherto 
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                <strong>Hamlet becomes banking smart by Amit Gupta</strong></h1>
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                <div align="justify">Farmer Dharamshyam Kujur put the hitherto nondescript village of Doba in Kudu block of Lohardaga district on the banking map of India today as he withdrew Rs 100 from his newly opened account.</div><p class="story" align="justify">Watching him create history was Reserve Bank of India (RBI) governor D. Subbarao, who, as part of RBI&rsquo;s ambitious outreach programme aimed at financial inclusion, inaugurated a smart card-based satellite banking system in the village earlier in the day.</p><div align="justify"></div><p class="story" align="justify">As Kujur received his money from business agent Reena, who has been employed by Bank of India (BoI) that has opened a new branch in neighbouring Tati village, it was a dream come true for his fellow villagers who now have banks literally on their doorstep.</p><div align="justify"></div><p class="story" align="justify">After reaching the tiny village surrounded by sakhua trees, the RBI chief disarmed his hosts by stating: &ldquo;<em>Main</em> Mumbai <em>se aaya hoon</em>, <em>main </em>RBI governor <em>hoon</em>, <em>main chahata hoon ki har gram in</em> bank <em>se jude</em> (I have come from Mumbai. I am the RBI governor and I wish that all the villages use banking services).&rdquo; </p><div align="justify"></div><p class="story" align="justify">The satellite banking system that Subbarao inaugurated works with the help of a GPRS-enabled hand-held device, which is operated by business agents employed by the banks to provide services in remote villages.</p><div align="justify"></div><p class="story" align="justify">The device has three main features &mdash; a slot to insert a smart card, which will be givento villagers who open accounts with a nationalised bank, a space to record fingerprints as authentication and a rectangular display board that displays messages and speaks as well to illiterate villagers. </p><div align="justify"></div><p class="story" align="justify">As soon as Kujur withdrew Rs 100, the message board displayed that he had Rs 395 left in his account, which was confirmed by the account holder. </p><div align="justify"></div><p class="story" align="justify">Chief secretary A.K. Singh, who was present on the occasion, said during his tour of Chatra he was aghast to find villagers encashing their Rs 100 cheques for Rs 70 in order to avoid complicated bank transactions and delays. &ldquo;In many instances, I found it took about two months for poor MGNREGS labourers to encash their cheques and they had to travel miles to avail banking services. Now, I hope the satellite-based smart card system willsolve their problem,&rdquo; he said. </p><div align="justify"></div><p class="story" align="justify">It was also an opportune moment for the chief secretary to air his grievances on behalf of the people.  </p><div align="justify"></div><p class="story" align="justify">&ldquo;The banks operating in the state have never achieved the target of distribution ofKisan Credit Cards. Cash deposit ratio is a meagre 43 per cent here compared to the national average of 73 per cent. Moreover, there is one bank for a population of 18,000 while RBI&rsquo;s mandate is to open a bank ina village/area with a population of 2,000,&rdquo; he said, much to the concern of top officials of various nationalised banks who were present.</p><div align="justify"></div><p class="story" align="justify">State Bank of India has already distributed 67 smart cards in Doba village and aims toopen 800 accounts soon. The accounts are being opened at the SBI branchin the district headquarters of Lohardaga, but the villagers will not need to visit the branch and instead can rely on the business agent who will visit their village regularly to allow the account holders to withdraw/deposit money. </p><div align="justify"></div><p class="story" align="justify">SBI&rsquo;s deputy general manager R. Venkatachalam, Patna-based general manager D. Majumdar and Jharkhand-based deputy general manager Pinak Chakraborty were present on the occasion today.</p>               </font>
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    <link rel="canonical" href="https://im4change.in/<pre class="cake-error"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr6804931a94870-trace').style.display = (document.getElementById('cakeErr6804931a94870-trace').style.display == 'none' ? '' : 'none');"><b>Notice</b> (8)</a>: Undefined variable: urlPrefix [<b>APP/Template/Layout/printlayout.ctp</b>, line <b>8</b>]<div id="cakeErr6804931a94870-trace" class="cake-stack-trace" style="display: none;"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr6804931a94870-code').style.display = (document.getElementById('cakeErr6804931a94870-code').style.display == 'none' ? '' : 'none')">Code</a> <a href="javascript:void(0);" onclick="document.getElementById('cakeErr6804931a94870-context').style.display = (document.getElementById('cakeErr6804931a94870-context').style.display == 'none' ? '' : 'none')">Context</a><pre id="cakeErr6804931a94870-code" class="cake-code-dump" style="display: none;"><code><span style="color: #000000"><span style="color: #0000BB"></span><span style="color: #007700">&lt;</span><span style="color: #0000BB">head</span><span style="color: #007700">&gt;
</span></span></code>
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</span></code></span>
<code><span style="color: #000000"><span style="color: #0000BB">&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="color: #007700">&lt;</span><span style="color: #0000BB">meta&nbsp;http</span><span style="color: #007700">-</span><span style="color: #0000BB">equiv</span><span style="color: #007700">=</span><span style="color: #DD0000">"Content-Type"&nbsp;</span><span style="color: #0000BB">content</span><span style="color: #007700">=</span><span style="color: #DD0000">"text/html;&nbsp;charset=utf-8"</span><span style="color: #007700">/&gt;
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		&#039;subheading&#039; =&gt; &#039;&#039;,
		&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
Farmer Dharamshyam Kujur put the hitherto 
nondescript village of Doba in Kudu block of Lohardaga district on the 
banking map of India today as he withdrew Rs 100 from his newly opened 
account.
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
Watching him 
create history was Reserve Bank of India (RBI) governor D. Subbarao, 
who, as part of RBI&amp;rsquo;s ambitious outreach programme aimed at financial 
inclusion, inaugurated a smart card-based satellite banking system in 
the village earlier in the day.
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
As Kujur received 
his money from business agent Reena, who has been employed by Bank of 
India (BoI) that has opened a new branch in neighbouring Tati village, 
it was a dream come true for his fellow villagers who now have banks 
literally on their doorstep.
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
After reaching the tiny village surrounded by sakhua trees, the RBI chief disarmed his hosts by stating: &amp;ldquo;&lt;em&gt;Main&lt;/em&gt; Mumbai &lt;em&gt;se aaya hoon&lt;/em&gt;, &lt;em&gt;main &lt;/em&gt;RBI governor &lt;em&gt;hoon&lt;/em&gt;, &lt;em&gt;main chahata hoon ki har gram in&lt;/em&gt; bank &lt;em&gt;se jude&lt;/em&gt; (I have come from Mumbai. I am the RBI governor and I wish that all the villages use banking services).&amp;rdquo; 
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
The satellite 
banking system that Subbarao inaugurated works with the help of a 
GPRS-enabled hand-held device, which is operated by business agents 
employed by the banks to provide services in remote villages.
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
The device has 
three main features &amp;mdash; a slot to insert a smart card, which will be given
to villagers who open accounts with a nationalised bank, a space to 
record fingerprints as authentication and a rectangular display board 
that displays messages and speaks as well to illiterate villagers. 
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
As soon as Kujur 
withdrew Rs 100, the message board displayed that he had Rs 395 left in 
his account, which was confirmed by the account holder. 
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
Chief secretary 
A.K. Singh, who was present on the occasion, said during his tour of 
Chatra he was aghast to find villagers encashing their Rs 100 cheques 
for Rs 70 in order to avoid complicated bank transactions and delays. 
&amp;ldquo;In many instances, I found it took about two months for poor MGNREGS 
labourers to encash their cheques and they had to travel miles to avail 
banking services. Now, I hope the satellite-based smart card system will
solve their problem,&amp;rdquo; he said. 
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
It was also an opportune moment for the chief secretary to air his grievances on behalf of the people.  
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
&amp;ldquo;The banks 
operating in the state have never achieved the target of distribution of
Kisan Credit Cards. Cash deposit ratio is a meagre 43 per cent here 
compared to the national average of 73 per cent. Moreover, there is one 
bank for a population of 18,000 while RBI&amp;rsquo;s mandate is to open a bank in
a village/area with a population of 2,000,&amp;rdquo; he said, much to the 
concern of top officials of various nationalised banks who were present.
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
State Bank of 
India has already distributed 67 smart cards in Doba village and aims to
open 800 accounts soon. The accounts are being opened at the SBI branch
in the district headquarters of Lohardaga, but the villagers will not 
need to visit the branch and instead can rely on the business agent who 
will visit their village regularly to allow the account holders to 
withdraw/deposit money. 
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
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&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
SBI&amp;rsquo;s deputy 
general manager R. Venkatachalam, Patna-based general manager D. 
Majumdar and Jharkhand-based deputy general manager Pinak Chakraborty 
were present on the occasion today.
&lt;/p&gt;&#039;,
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Farmer Dharamshyam Kujur put the hitherto 
nondescript village of Doba in Kudu block of Lohardaga district on the 
banking map of India today as he withdrew Rs 100 from his newly opened 
account.


Watching him 
create history was Reserve Bank of...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;Farmer Dharamshyam Kujur put the hitherto nondescript village of Doba in Kudu block of Lohardaga district on the banking map of India today as he withdrew Rs 100 from his newly opened account.&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;Watching him create history was Reserve Bank of India (RBI) governor D. Subbarao, who, as part of RBI&amp;rsquo;s ambitious outreach programme aimed at financial inclusion, inaugurated a smart card-based satellite banking system in the village earlier in the day.&lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;As Kujur received his money from business agent Reena, who has been employed by Bank of India (BoI) that has opened a new branch in neighbouring Tati village, it was a dream come true for his fellow villagers who now have banks literally on their doorstep.&lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;After reaching the tiny village surrounded by sakhua trees, the RBI chief disarmed his hosts by stating: &amp;ldquo;&lt;em&gt;Main&lt;/em&gt; Mumbai &lt;em&gt;se aaya hoon&lt;/em&gt;, &lt;em&gt;main &lt;/em&gt;RBI governor &lt;em&gt;hoon&lt;/em&gt;, &lt;em&gt;main chahata hoon ki har gram in&lt;/em&gt; bank &lt;em&gt;se jude&lt;/em&gt; (I have come from Mumbai. I am the RBI governor and I wish that all the villages use banking services).&amp;rdquo; &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;The satellite banking system that Subbarao inaugurated works with the help of a GPRS-enabled hand-held device, which is operated by business agents employed by the banks to provide services in remote villages.&lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;The device has three main features &amp;mdash; a slot to insert a smart card, which will be givento villagers who open accounts with a nationalised bank, a space to record fingerprints as authentication and a rectangular display board that displays messages and speaks as well to illiterate villagers. &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;As soon as Kujur withdrew Rs 100, the message board displayed that he had Rs 395 left in his account, which was confirmed by the account holder. &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;Chief secretary A.K. Singh, who was present on the occasion, said during his tour of Chatra he was aghast to find villagers encashing their Rs 100 cheques for Rs 70 in order to avoid complicated bank transactions and delays. &amp;ldquo;In many instances, I found it took about two months for poor MGNREGS labourers to encash their cheques and they had to travel miles to avail banking services. Now, I hope the satellite-based smart card system willsolve their problem,&amp;rdquo; he said. &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;It was also an opportune moment for the chief secretary to air his grievances on behalf of the people.  &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;&amp;ldquo;The banks operating in the state have never achieved the target of distribution ofKisan Credit Cards. Cash deposit ratio is a meagre 43 per cent here compared to the national average of 73 per cent. Moreover, there is one bank for a population of 18,000 while RBI&amp;rsquo;s mandate is to open a bank ina village/area with a population of 2,000,&amp;rdquo; he said, much to the concern of top officials of various nationalised banks who were present.&lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;State Bank of India has already distributed 67 smart cards in Doba village and aims toopen 800 accounts soon. The accounts are being opened at the SBI branchin the district headquarters of Lohardaga, but the villagers will not need to visit the branch and instead can rely on the business agent who will visit their village regularly to allow the account holders to withdraw/deposit money. &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;SBI&amp;rsquo;s deputy general manager R. Venkatachalam, Patna-based general manager D. Majumdar and Jharkhand-based deputy general manager Pinak Chakraborty were present on the occasion today.&lt;/p&gt;&#039;,
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	&#039;id&#039; =&gt; (int) 4815,
	&#039;title&#039; =&gt; &#039;Hamlet becomes banking smart by Amit Gupta&#039;,
	&#039;subheading&#039; =&gt; &#039;&#039;,
	&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
Farmer Dharamshyam Kujur put the hitherto 
nondescript village of Doba in Kudu block of Lohardaga district on the 
banking map of India today as he withdrew Rs 100 from his newly opened 
account.
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
Watching him 
create history was Reserve Bank of India (RBI) governor D. Subbarao, 
who, as part of RBI&amp;rsquo;s ambitious outreach programme aimed at financial 
inclusion, inaugurated a smart card-based satellite banking system in 
the village earlier in the day.
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
As Kujur received 
his money from business agent Reena, who has been employed by Bank of 
India (BoI) that has opened a new branch in neighbouring Tati village, 
it was a dream come true for his fellow villagers who now have banks 
literally on their doorstep.
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
After reaching the tiny village surrounded by sakhua trees, the RBI chief disarmed his hosts by stating: &amp;ldquo;&lt;em&gt;Main&lt;/em&gt; Mumbai &lt;em&gt;se aaya hoon&lt;/em&gt;, &lt;em&gt;main &lt;/em&gt;RBI governor &lt;em&gt;hoon&lt;/em&gt;, &lt;em&gt;main chahata hoon ki har gram in&lt;/em&gt; bank &lt;em&gt;se jude&lt;/em&gt; (I have come from Mumbai. I am the RBI governor and I wish that all the villages use banking services).&amp;rdquo; 
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
The satellite 
banking system that Subbarao inaugurated works with the help of a 
GPRS-enabled hand-held device, which is operated by business agents 
employed by the banks to provide services in remote villages.
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
The device has 
three main features &amp;mdash; a slot to insert a smart card, which will be given
to villagers who open accounts with a nationalised bank, a space to 
record fingerprints as authentication and a rectangular display board 
that displays messages and speaks as well to illiterate villagers. 
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
As soon as Kujur 
withdrew Rs 100, the message board displayed that he had Rs 395 left in 
his account, which was confirmed by the account holder. 
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
Chief secretary 
A.K. Singh, who was present on the occasion, said during his tour of 
Chatra he was aghast to find villagers encashing their Rs 100 cheques 
for Rs 70 in order to avoid complicated bank transactions and delays. 
&amp;ldquo;In many instances, I found it took about two months for poor MGNREGS 
labourers to encash their cheques and they had to travel miles to avail 
banking services. Now, I hope the satellite-based smart card system will
solve their problem,&amp;rdquo; he said. 
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
It was also an opportune moment for the chief secretary to air his grievances on behalf of the people.  
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
&amp;ldquo;The banks 
operating in the state have never achieved the target of distribution of
Kisan Credit Cards. Cash deposit ratio is a meagre 43 per cent here 
compared to the national average of 73 per cent. Moreover, there is one 
bank for a population of 18,000 while RBI&amp;rsquo;s mandate is to open a bank in
a village/area with a population of 2,000,&amp;rdquo; he said, much to the 
concern of top officials of various nationalised banks who were present.
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
State Bank of 
India has already distributed 67 smart cards in Doba village and aims to
open 800 accounts soon. The accounts are being opened at the SBI branch
in the district headquarters of Lohardaga, but the villagers will not 
need to visit the branch and instead can rely on the business agent who 
will visit their village regularly to allow the account holders to 
withdraw/deposit money. 
&lt;/p&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;/div&gt;
&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;
SBI&amp;rsquo;s deputy 
general manager R. Venkatachalam, Patna-based general manager D. 
Majumdar and Jharkhand-based deputy general manager Pinak Chakraborty 
were present on the occasion today.
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Farmer Dharamshyam Kujur put the hitherto 
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banking map of India today as he withdrew Rs 100 from his newly opened 
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Watching him 
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$disp = &#039;&lt;div align=&quot;justify&quot;&gt;Farmer Dharamshyam Kujur put the hitherto nondescript village of Doba in Kudu block of Lohardaga district on the banking map of India today as he withdrew Rs 100 from his newly opened account.&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;Watching him create history was Reserve Bank of India (RBI) governor D. Subbarao, who, as part of RBI&amp;rsquo;s ambitious outreach programme aimed at financial inclusion, inaugurated a smart card-based satellite banking system in the village earlier in the day.&lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;As Kujur received his money from business agent Reena, who has been employed by Bank of India (BoI) that has opened a new branch in neighbouring Tati village, it was a dream come true for his fellow villagers who now have banks literally on their doorstep.&lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;After reaching the tiny village surrounded by sakhua trees, the RBI chief disarmed his hosts by stating: &amp;ldquo;&lt;em&gt;Main&lt;/em&gt; Mumbai &lt;em&gt;se aaya hoon&lt;/em&gt;, &lt;em&gt;main &lt;/em&gt;RBI governor &lt;em&gt;hoon&lt;/em&gt;, &lt;em&gt;main chahata hoon ki har gram in&lt;/em&gt; bank &lt;em&gt;se jude&lt;/em&gt; (I have come from Mumbai. I am the RBI governor and I wish that all the villages use banking services).&amp;rdquo; &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;The satellite banking system that Subbarao inaugurated works with the help of a GPRS-enabled hand-held device, which is operated by business agents employed by the banks to provide services in remote villages.&lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;The device has three main features &amp;mdash; a slot to insert a smart card, which will be givento villagers who open accounts with a nationalised bank, a space to record fingerprints as authentication and a rectangular display board that displays messages and speaks as well to illiterate villagers. &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;As soon as Kujur withdrew Rs 100, the message board displayed that he had Rs 395 left in his account, which was confirmed by the account holder. &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;Chief secretary A.K. Singh, who was present on the occasion, said during his tour of Chatra he was aghast to find villagers encashing their Rs 100 cheques for Rs 70 in order to avoid complicated bank transactions and delays. &amp;ldquo;In many instances, I found it took about two months for poor MGNREGS labourers to encash their cheques and they had to travel miles to avail banking services. Now, I hope the satellite-based smart card system willsolve their problem,&amp;rdquo; he said. &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;It was also an opportune moment for the chief secretary to air his grievances on behalf of the people.  &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;&amp;ldquo;The banks operating in the state have never achieved the target of distribution ofKisan Credit Cards. Cash deposit ratio is a meagre 43 per cent here compared to the national average of 73 per cent. Moreover, there is one bank for a population of 18,000 while RBI&amp;rsquo;s mandate is to open a bank ina village/area with a population of 2,000,&amp;rdquo; he said, much to the concern of top officials of various nationalised banks who were present.&lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;State Bank of India has already distributed 67 smart cards in Doba village and aims toopen 800 accounts soon. The accounts are being opened at the SBI branchin the district headquarters of Lohardaga, but the villagers will not need to visit the branch and instead can rely on the business agent who will visit their village regularly to allow the account holders to withdraw/deposit money. &lt;/p&gt;&lt;div align=&quot;justify&quot;&gt;&lt;/div&gt;&lt;p class=&quot;story&quot; align=&quot;justify&quot;&gt;SBI&amp;rsquo;s deputy general manager R. Venkatachalam, Patna-based general manager D. Majumdar and Jharkhand-based deputy general manager Pinak Chakraborty were present on the occasion today.&lt;/p&gt;&#039;
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Farmer Dharamshyam Kujur put the hitherto 
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Watching him 
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                <strong>Hamlet becomes banking smart by Amit Gupta</strong></h1>
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                <div align="justify">Farmer Dharamshyam Kujur put the hitherto nondescript village of Doba in Kudu block of Lohardaga district on the banking map of India today as he withdrew Rs 100 from his newly opened account.</div><p class="story" align="justify">Watching him create history was Reserve Bank of India (RBI) governor D. Subbarao, who, as part of RBI&rsquo;s ambitious outreach programme aimed at financial inclusion, inaugurated a smart card-based satellite banking system in the village earlier in the day.</p><div align="justify"></div><p class="story" align="justify">As Kujur received his money from business agent Reena, who has been employed by Bank of India (BoI) that has opened a new branch in neighbouring Tati village, it was a dream come true for his fellow villagers who now have banks literally on their doorstep.</p><div align="justify"></div><p class="story" align="justify">After reaching the tiny village surrounded by sakhua trees, the RBI chief disarmed his hosts by stating: &ldquo;<em>Main</em> Mumbai <em>se aaya hoon</em>, <em>main </em>RBI governor <em>hoon</em>, <em>main chahata hoon ki har gram in</em> bank <em>se jude</em> (I have come from Mumbai. I am the RBI governor and I wish that all the villages use banking services).&rdquo; </p><div align="justify"></div><p class="story" align="justify">The satellite banking system that Subbarao inaugurated works with the help of a GPRS-enabled hand-held device, which is operated by business agents employed by the banks to provide services in remote villages.</p><div align="justify"></div><p class="story" align="justify">The device has three main features &mdash; a slot to insert a smart card, which will be givento villagers who open accounts with a nationalised bank, a space to record fingerprints as authentication and a rectangular display board that displays messages and speaks as well to illiterate villagers. </p><div align="justify"></div><p class="story" align="justify">As soon as Kujur withdrew Rs 100, the message board displayed that he had Rs 395 left in his account, which was confirmed by the account holder. </p><div align="justify"></div><p class="story" align="justify">Chief secretary A.K. Singh, who was present on the occasion, said during his tour of Chatra he was aghast to find villagers encashing their Rs 100 cheques for Rs 70 in order to avoid complicated bank transactions and delays. &ldquo;In many instances, I found it took about two months for poor MGNREGS labourers to encash their cheques and they had to travel miles to avail banking services. Now, I hope the satellite-based smart card system willsolve their problem,&rdquo; he said. </p><div align="justify"></div><p class="story" align="justify">It was also an opportune moment for the chief secretary to air his grievances on behalf of the people.  </p><div align="justify"></div><p class="story" align="justify">&ldquo;The banks operating in the state have never achieved the target of distribution ofKisan Credit Cards. Cash deposit ratio is a meagre 43 per cent here compared to the national average of 73 per cent. Moreover, there is one bank for a population of 18,000 while RBI&rsquo;s mandate is to open a bank ina village/area with a population of 2,000,&rdquo; he said, much to the concern of top officials of various nationalised banks who were present.</p><div align="justify"></div><p class="story" align="justify">State Bank of India has already distributed 67 smart cards in Doba village and aims toopen 800 accounts soon. The accounts are being opened at the SBI branchin the district headquarters of Lohardaga, but the villagers will not need to visit the branch and instead can rely on the business agent who will visit their village regularly to allow the account holders to withdraw/deposit money. </p><div align="justify"></div><p class="story" align="justify">SBI&rsquo;s deputy general manager R. Venkatachalam, Patna-based general manager D. Majumdar and Jharkhand-based deputy general manager Pinak Chakraborty were present on the occasion today.</p>               </font>
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Farmer Dharamshyam Kujur put the hitherto 
nondescript village of Doba in Kudu block of Lohardaga district on the 
banking map of India today as he withdrew Rs 100 from his newly opened 
account.
</div>
<p class="story" align="justify">
Watching him 
create history was Reserve Bank of India (RBI) governor D. Subbarao, 
who, as part of RBI&rsquo;s ambitious outreach programme aimed at financial 
inclusion, inaugurated a smart card-based satellite banking system in 
the village earlier in the day.
</p>
<div align="justify">
</div>
<p class="story" align="justify">
As Kujur received 
his money from business agent Reena, who has been employed by Bank of 
India (BoI) that has opened a new branch in neighbouring Tati village, 
it was a dream come true for his fellow villagers who now have banks 
literally on their doorstep.
</p>
<div align="justify">
</div>
<p class="story" align="justify">
After reaching the tiny village surrounded by sakhua trees, the RBI chief disarmed his hosts by stating: &ldquo;<em>Main</em> Mumbai <em>se aaya hoon</em>, <em>main </em>RBI governor <em>hoon</em>, <em>main chahata hoon ki har gram in</em> bank <em>se jude</em> (I have come from Mumbai. I am the RBI governor and I wish that all the villages use banking services).&rdquo; 
</p>
<div align="justify">
</div>
<p class="story" align="justify">
The satellite 
banking system that Subbarao inaugurated works with the help of a 
GPRS-enabled hand-held device, which is operated by business agents 
employed by the banks to provide services in remote villages.
</p>
<div align="justify">
</div>
<p class="story" align="justify">
The device has 
three main features &mdash; a slot to insert a smart card, which will be given
to villagers who open accounts with a nationalised bank, a space to 
record fingerprints as authentication and a rectangular display board 
that displays messages and speaks as well to illiterate villagers. 
</p>
<div align="justify">
</div>
<p class="story" align="justify">
As soon as Kujur 
withdrew Rs 100, the message board displayed that he had Rs 395 left in 
his account, which was confirmed by the account holder. 
</p>
<div align="justify">
</div>
<p class="story" align="justify">
Chief secretary 
A.K. Singh, who was present on the occasion, said during his tour of 
Chatra he was aghast to find villagers encashing their Rs 100 cheques 
for Rs 70 in order to avoid complicated bank transactions and delays. 
&ldquo;In many instances, I found it took about two months for poor MGNREGS 
labourers to encash their cheques and they had to travel miles to avail 
banking services. Now, I hope the satellite-based smart card system will
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It was also an opportune moment for the chief secretary to air his grievances on behalf of the people.  
</p>
<div align="justify">
</div>
<p class="story" align="justify">
&ldquo;The banks 
operating in the state have never achieved the target of distribution of
Kisan Credit Cards. Cash deposit ratio is a meagre 43 per cent here 
compared to the national average of 73 per cent. Moreover, there is one 
bank for a population of 18,000 while RBI&rsquo;s mandate is to open a bank in
a village/area with a population of 2,000,&rdquo; he said, much to the 
concern of top officials of various nationalised banks who were present.
</p>
<div align="justify">
</div>
<p class="story" align="justify">
State Bank of 
India has already distributed 67 smart cards in Doba village and aims to
open 800 accounts soon. The accounts are being opened at the SBI branch
in the district headquarters of Lohardaga, but the villagers will not 
need to visit the branch and instead can rely on the business agent who 
will visit their village regularly to allow the account holders to 
withdraw/deposit money. 
</p>
<div align="justify">
</div>
<p class="story" align="justify">
SBI&rsquo;s deputy 
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Farmer Dharamshyam Kujur put the hitherto 
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banking map of India today as he withdrew Rs 100 from his newly opened 
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Watching him 
create history was Reserve Bank of...',
	'disp' => '<div align="justify">Farmer Dharamshyam Kujur put the hitherto nondescript village of Doba in Kudu block of Lohardaga district on the banking map of India today as he withdrew Rs 100 from his newly opened account.</div><p class="story" align="justify">Watching him create history was Reserve Bank of India (RBI) governor D. Subbarao, who, as part of RBI&rsquo;s ambitious outreach programme aimed at financial inclusion, inaugurated a smart card-based satellite banking system in the village earlier in the day.</p><div align="justify"></div><p class="story" align="justify">As Kujur received his money from business agent Reena, who has been employed by Bank of India (BoI) that has opened a new branch in neighbouring Tati village, it was a dream come true for his fellow villagers who now have banks literally on their doorstep.</p><div align="justify"></div><p class="story" align="justify">After reaching the tiny village surrounded by sakhua trees, the RBI chief disarmed his hosts by stating: &ldquo;<em>Main</em> Mumbai <em>se aaya hoon</em>, <em>main </em>RBI governor <em>hoon</em>, <em>main chahata hoon ki har gram in</em> bank <em>se jude</em> (I have come from Mumbai. I am the RBI governor and I wish that all the villages use banking services).&rdquo; </p><div align="justify"></div><p class="story" align="justify">The satellite banking system that Subbarao inaugurated works with the help of a GPRS-enabled hand-held device, which is operated by business agents employed by the banks to provide services in remote villages.</p><div align="justify"></div><p class="story" align="justify">The device has three main features &mdash; a slot to insert a smart card, which will be givento villagers who open accounts with a nationalised bank, a space to record fingerprints as authentication and a rectangular display board that displays messages and speaks as well to illiterate villagers. </p><div align="justify"></div><p class="story" align="justify">As soon as Kujur withdrew Rs 100, the message board displayed that he had Rs 395 left in his account, which was confirmed by the account holder. </p><div align="justify"></div><p class="story" align="justify">Chief secretary A.K. Singh, who was present on the occasion, said during his tour of Chatra he was aghast to find villagers encashing their Rs 100 cheques for Rs 70 in order to avoid complicated bank transactions and delays. &ldquo;In many instances, I found it took about two months for poor MGNREGS labourers to encash their cheques and they had to travel miles to avail banking services. Now, I hope the satellite-based smart card system willsolve their problem,&rdquo; he said. </p><div align="justify"></div><p class="story" align="justify">It was also an opportune moment for the chief secretary to air his grievances on behalf of the people.  </p><div align="justify"></div><p class="story" align="justify">&ldquo;The banks operating in the state have never achieved the target of distribution ofKisan Credit Cards. Cash deposit ratio is a meagre 43 per cent here compared to the national average of 73 per cent. Moreover, there is one bank for a population of 18,000 while RBI&rsquo;s mandate is to open a bank ina village/area with a population of 2,000,&rdquo; he said, much to the concern of top officials of various nationalised banks who were present.</p><div align="justify"></div><p class="story" align="justify">State Bank of India has already distributed 67 smart cards in Doba village and aims toopen 800 accounts soon. The accounts are being opened at the SBI branchin the district headquarters of Lohardaga, but the villagers will not need to visit the branch and instead can rely on the business agent who will visit their village regularly to allow the account holders to withdraw/deposit money. </p><div align="justify"></div><p class="story" align="justify">SBI&rsquo;s deputy general manager R. Venkatachalam, Patna-based general manager D. Majumdar and Jharkhand-based deputy general manager Pinak Chakraborty were present on the occasion today.</p>',
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	'id' => (int) 4815,
	'title' => 'Hamlet becomes banking smart by Amit Gupta',
	'subheading' => '',
	'description' => '<div align="justify">
Farmer Dharamshyam Kujur put the hitherto 
nondescript village of Doba in Kudu block of Lohardaga district on the 
banking map of India today as he withdrew Rs 100 from his newly opened 
account.
</div>
<p class="story" align="justify">
Watching him 
create history was Reserve Bank of India (RBI) governor D. Subbarao, 
who, as part of RBI&rsquo;s ambitious outreach programme aimed at financial 
inclusion, inaugurated a smart card-based satellite banking system in 
the village earlier in the day.
</p>
<div align="justify">
</div>
<p class="story" align="justify">
As Kujur received 
his money from business agent Reena, who has been employed by Bank of 
India (BoI) that has opened a new branch in neighbouring Tati village, 
it was a dream come true for his fellow villagers who now have banks 
literally on their doorstep.
</p>
<div align="justify">
</div>
<p class="story" align="justify">
After reaching the tiny village surrounded by sakhua trees, the RBI chief disarmed his hosts by stating: &ldquo;<em>Main</em> Mumbai <em>se aaya hoon</em>, <em>main </em>RBI governor <em>hoon</em>, <em>main chahata hoon ki har gram in</em> bank <em>se jude</em> (I have come from Mumbai. I am the RBI governor and I wish that all the villages use banking services).&rdquo; 
</p>
<div align="justify">
</div>
<p class="story" align="justify">
The satellite 
banking system that Subbarao inaugurated works with the help of a 
GPRS-enabled hand-held device, which is operated by business agents 
employed by the banks to provide services in remote villages.
</p>
<div align="justify">
</div>
<p class="story" align="justify">
The device has 
three main features &mdash; a slot to insert a smart card, which will be given
to villagers who open accounts with a nationalised bank, a space to 
record fingerprints as authentication and a rectangular display board 
that displays messages and speaks as well to illiterate villagers. 
</p>
<div align="justify">
</div>
<p class="story" align="justify">
As soon as Kujur 
withdrew Rs 100, the message board displayed that he had Rs 395 left in 
his account, which was confirmed by the account holder. 
</p>
<div align="justify">
</div>
<p class="story" align="justify">
Chief secretary 
A.K. Singh, who was present on the occasion, said during his tour of 
Chatra he was aghast to find villagers encashing their Rs 100 cheques 
for Rs 70 in order to avoid complicated bank transactions and delays. 
&ldquo;In many instances, I found it took about two months for poor MGNREGS 
labourers to encash their cheques and they had to travel miles to avail 
banking services. Now, I hope the satellite-based smart card system will
solve their problem,&rdquo; he said. 
</p>
<div align="justify">
</div>
<p class="story" align="justify">
It was also an opportune moment for the chief secretary to air his grievances on behalf of the people.  
</p>
<div align="justify">
</div>
<p class="story" align="justify">
&ldquo;The banks 
operating in the state have never achieved the target of distribution of
Kisan Credit Cards. Cash deposit ratio is a meagre 43 per cent here 
compared to the national average of 73 per cent. Moreover, there is one 
bank for a population of 18,000 while RBI&rsquo;s mandate is to open a bank in
a village/area with a population of 2,000,&rdquo; he said, much to the 
concern of top officials of various nationalised banks who were present.
</p>
<div align="justify">
</div>
<p class="story" align="justify">
State Bank of 
India has already distributed 67 smart cards in Doba village and aims to
open 800 accounts soon. The accounts are being opened at the SBI branch
in the district headquarters of Lohardaga, but the villagers will not 
need to visit the branch and instead can rely on the business agent who 
will visit their village regularly to allow the account holders to 
withdraw/deposit money. 
</p>
<div align="justify">
</div>
<p class="story" align="justify">
SBI&rsquo;s deputy 
general manager R. Venkatachalam, Patna-based general manager D. 
Majumdar and Jharkhand-based deputy general manager Pinak Chakraborty 
were present on the occasion today.
</p>',
	'credit_writer' => 'The Telegraph, 15 December, 2010, http://www.telegraphindia.com/1101216/jsp/frontpage/story_13307067.jsp',
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$articleid = (int) 4815
$metaTitle = 'LATEST NEWS UPDATES | Hamlet becomes banking smart by Amit Gupta'
$metaKeywords = 'Financial Inclusion'
$metaDesc = '
Farmer Dharamshyam Kujur put the hitherto 
nondescript village of Doba in Kudu block of Lohardaga district on the 
banking map of India today as he withdrew Rs 100 from his newly opened 
account.


Watching him 
create history was Reserve Bank of...'
$disp = '<div align="justify">Farmer Dharamshyam Kujur put the hitherto nondescript village of Doba in Kudu block of Lohardaga district on the banking map of India today as he withdrew Rs 100 from his newly opened account.</div><p class="story" align="justify">Watching him create history was Reserve Bank of India (RBI) governor D. Subbarao, who, as part of RBI&rsquo;s ambitious outreach programme aimed at financial inclusion, inaugurated a smart card-based satellite banking system in the village earlier in the day.</p><div align="justify"></div><p class="story" align="justify">As Kujur received his money from business agent Reena, who has been employed by Bank of India (BoI) that has opened a new branch in neighbouring Tati village, it was a dream come true for his fellow villagers who now have banks literally on their doorstep.</p><div align="justify"></div><p class="story" align="justify">After reaching the tiny village surrounded by sakhua trees, the RBI chief disarmed his hosts by stating: &ldquo;<em>Main</em> Mumbai <em>se aaya hoon</em>, <em>main </em>RBI governor <em>hoon</em>, <em>main chahata hoon ki har gram in</em> bank <em>se jude</em> (I have come from Mumbai. I am the RBI governor and I wish that all the villages use banking services).&rdquo; </p><div align="justify"></div><p class="story" align="justify">The satellite banking system that Subbarao inaugurated works with the help of a GPRS-enabled hand-held device, which is operated by business agents employed by the banks to provide services in remote villages.</p><div align="justify"></div><p class="story" align="justify">The device has three main features &mdash; a slot to insert a smart card, which will be givento villagers who open accounts with a nationalised bank, a space to record fingerprints as authentication and a rectangular display board that displays messages and speaks as well to illiterate villagers. </p><div align="justify"></div><p class="story" align="justify">As soon as Kujur withdrew Rs 100, the message board displayed that he had Rs 395 left in his account, which was confirmed by the account holder. </p><div align="justify"></div><p class="story" align="justify">Chief secretary A.K. Singh, who was present on the occasion, said during his tour of Chatra he was aghast to find villagers encashing their Rs 100 cheques for Rs 70 in order to avoid complicated bank transactions and delays. &ldquo;In many instances, I found it took about two months for poor MGNREGS labourers to encash their cheques and they had to travel miles to avail banking services. Now, I hope the satellite-based smart card system willsolve their problem,&rdquo; he said. </p><div align="justify"></div><p class="story" align="justify">It was also an opportune moment for the chief secretary to air his grievances on behalf of the people.  </p><div align="justify"></div><p class="story" align="justify">&ldquo;The banks operating in the state have never achieved the target of distribution ofKisan Credit Cards. Cash deposit ratio is a meagre 43 per cent here compared to the national average of 73 per cent. Moreover, there is one bank for a population of 18,000 while RBI&rsquo;s mandate is to open a bank ina village/area with a population of 2,000,&rdquo; he said, much to the concern of top officials of various nationalised banks who were present.</p><div align="justify"></div><p class="story" align="justify">State Bank of India has already distributed 67 smart cards in Doba village and aims toopen 800 accounts soon. The accounts are being opened at the SBI branchin the district headquarters of Lohardaga, but the villagers will not need to visit the branch and instead can rely on the business agent who will visit their village regularly to allow the account holders to withdraw/deposit money. </p><div align="justify"></div><p class="story" align="justify">SBI&rsquo;s deputy general manager R. Venkatachalam, Patna-based general manager D. Majumdar and Jharkhand-based deputy general manager Pinak Chakraborty were present on the occasion today.</p>'
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Hamlet becomes banking smart by Amit Gupta

Farmer Dharamshyam Kujur put the hitherto nondescript village of Doba in Kudu block of Lohardaga district on the banking map of India today as he withdrew Rs 100 from his newly opened account. Watching him create history was Reserve Bank of India (RBI) governor D. Subbarao, who, as part of RBI’s ambitious outreach programme aimed at financial inclusion, inaugurated a smart card-based satellite banking system in the village earlier in the day. As Kujur received his money from business agent Reena, who has been employed by Bank of India (BoI) that has opened a new branch in neighbouring Tati village, it was a dream come true for his fellow villagers who now have banks literally on their doorstep. After reaching the tiny village surrounded by sakhua trees, the RBI chief disarmed his hosts by stating: “Main Mumbai se aaya hoon, main RBI governor hoon, main chahata hoon ki har gram in bank se jude (I have come from Mumbai. I am the RBI governor and I wish that all the villages use banking services).” The satellite banking system that Subbarao inaugurated works with the help of a GPRS-enabled hand-held device, which is operated by business agents employed by the banks to provide services in remote villages. The device has three main features — a slot to insert a smart card, which will be givento villagers who open accounts with a nationalised bank, a space to record fingerprints as authentication and a rectangular display board that displays messages and speaks as well to illiterate villagers. As soon as Kujur withdrew Rs 100, the message board displayed that he had Rs 395 left in his account, which was confirmed by the account holder. Chief secretary A.K. Singh, who was present on the occasion, said during his tour of Chatra he was aghast to find villagers encashing their Rs 100 cheques for Rs 70 in order to avoid complicated bank transactions and delays. “In many instances, I found it took about two months for poor MGNREGS labourers to encash their cheques and they had to travel miles to avail banking services. Now, I hope the satellite-based smart card system willsolve their problem,” he said. It was also an opportune moment for the chief secretary to air his grievances on behalf of the people. “The banks operating in the state have never achieved the target of distribution ofKisan Credit Cards. Cash deposit ratio is a meagre 43 per cent here compared to the national average of 73 per cent. Moreover, there is one bank for a population of 18,000 while RBI’s mandate is to open a bank ina village/area with a population of 2,000,” he said, much to the concern of top officials of various nationalised banks who were present. State Bank of India has already distributed 67 smart cards in Doba village and aims toopen 800 accounts soon. The accounts are being opened at the SBI branchin the district headquarters of Lohardaga, but the villagers will not need to visit the branch and instead can rely on the business agent who will visit their village regularly to allow the account holders to withdraw/deposit money. SBI’s deputy general manager R. Venkatachalam, Patna-based general manager D. Majumdar and Jharkhand-based deputy general manager Pinak Chakraborty were present on the occasion today.