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-The Economic Times
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<br />
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Pan Singh Tomar, the legendary steeplechase athlete-turned-dacoit, earned an annual salary of 120 or thereabouts from the Indian Army, where he served as a hawildar in the 1950s. These days, his great grandson roams around their ancestral village dispensing similar amounts to those at the bottom of the Indian pyramid.
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If Tomar Sr had resorted to guns for the latter part of his life, Anuj Singh Tomar too has his handheld of choice: a biometric machine that helps identify beneficiaries of schemes so he can open bank accounts, verify account holders and distribute cash.
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<br />
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Tomar Jr works as a banking correspondent in village Kosarlkalan in Morena, near Gwalior. He is part of a new army that forms the last mile in Madhya Pradesh government's ambitious financial inclusion programme. The target: a bank account for every individual above 12 years in the rural areas by the end of the fiscal.
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<br />
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"Earlier, I had to spend 30 on bus fare to go to the bank to collect my pension of 150," says Suman Devi, a resident of Naugaon near Girwai, who is a beneficiary of the state government's widow pension plan.
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<br />
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The scheme has given a new avenue of livelihood for unemployed youth such as the 22-year-old Tomar.
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<div style="text-align: justify">
<br />
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<div style="text-align: justify">
Tomar's great grandfather was a national-level athlete who took to the Chambal ravines after a land dispute.
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<br />
</div>
<div style="text-align: justify">
Anuj Tomar makes nearly Rs 2,500 a month plus commission, but the path he chose was anything but smooth. For starters, the villagers were suspicious after being stung by a massive chit fund fraud not very long ago.
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<br />
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"People would think we were some kind of a chit fund company flashing these hand-held devices that would gobble up their money," says Irfan Khan, an official with Synapse Solutions that provides technical support to Central Bank of India in the region. But word-of-mouth publicity has helped, with people realising how easy it has become to get wages for Mahatma Gandhi Rural Employment Guarantee Scheme through these accounts. Anuj, a graduate, also makes people aware of the benefits of being part of a formal banking system. The stamp of approval from the panchayats, which are involved in the banking correspondent scheme, is also helping spread formal finance to the under-banked areas.
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<br />
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The state undertook a comprehensive exercise in June to map commercial banks, post offices, co-operative banks with distances and population, and all areas sans access to any of these institutions within a 5-km radius were earmarked as shadow area. Of the 52,000-odd villages in the state, nearly 14,767 fell into the shadow area and would have remained uncovered with the population criterion. All panchayat headquarters falling in the shadow area have been earmarked for an ultra small bank to ensure access well within reach.
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<br />
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Besides providing space and free Internet connectivity in village panchayats, the state government has also begun to route all payments for NREGA and state government schemes through these accounts to make the branches a viable option for public sector banks.
</div>
<div style="text-align: justify">
<br />
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These branches can provide loans of up to Rs 25,000 to individuals having accounts with them. "Some of these individuals have begun to leave money in these accounts instead of withdrawing the whole amount due to geographic proximity of the branch," said a Central Bank official.
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<br />
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"I usually take out what I need...I can come again if I need more," says Bhola Adivasi, a MNREGS beneficiary and a new account holder. For Adivasi, payments have not only come within geographic reach but have also become faster. And Anuj Tomar is an important cog in the system.
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<div style="text-align: justify">
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<em>The Economic Times, 3 November, 2012, <a href="http://economictimes.indiatimes.com/news/news-by-industry/et-cetera/pan-singh-tomars-great-grandson-anuj-is-a-banking-correspondent-at-village-kosarlkalan-in-morena/articleshow/17069355.cms">http://economictimes.indiatimes.com/news/news-by-industry/et-cetera/pan-singh-tomars-great-grandson-anuj-is-a-banking-correspondent-at-village-kosarlkalan-in-morena/articleshow/17069355.cms</a> </em>
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Livelihood/ Employment | Pan Singh Tomar’s great grandson Anuj is a banking correspondent at village Kosarlkalan in Morena -Deepshikha Sikarwar </title>
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-The Economic Times
Pan Singh Tomar, the legendary steeplechase athlete-turned-dacoit, earned an annual salary of 120 or thereabouts from the Indian Army, where he served as a hawildar in the 1950s. These days, his great grandson roams around their ancestral village..."/>
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-The Economic Times
Pan Singh Tomar, the legendary steeplechase athlete-turned-dacoit, earned an annual salary of 120 or thereabouts from the Indian Army, where he served as a hawildar in the 1950s. These days, his great grandson roams around their ancestral village..." />
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Livelihood/ Employment </h2>
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<a href="https://im4change.in/livelihood-employment/pan-singh-tomars-great-grandson-anuj-is-a-banking-correspondent-at-village-kosarlkalan-in-morena-deepshikha-sikarwar-17959.html" target="_blank">Pan Singh Tomar’s great grandson Anuj is a banking correspondent at village Kosarlkalan in Morena -Deepshikha Sikarwar</a>
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<br><small>November 5, 2012</small>
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-The Economic Times
Pan Singh Tomar, the legendary steeplechase athlete-turned-dacoit, earned an annual salary of 120 or thereabouts from the Indian Army, where he served as a hawildar in the 1950s. These days, his great grandson roams around their ancestral village dispensing similar amounts to those...</p>
<a href="https://im4change.in/livelihood-employment/pan-singh-tomars-great-grandson-anuj-is-a-banking-correspondent-at-village-kosarlkalan-in-morena-deepshikha-sikarwar-17959.html"
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<br><small>October 11, 2012</small>
<p style="padding-top: 6px;">
-The Hindu
Irula woman from Pulicat hamlet of Kulathumedu is part of exchange programme
From a small hamlet near Pulicat to South Korea, it is indeed a grand journey for K. Padmavathy.
A member of the Irula tribe in Kulathumedu, she will fly to Korea, in a fortnight,...</p>
<a href="https://im4change.in/livelihood-employment/crab-fattening-sends-her-to-s-korea-b-kolappan-17520.html"
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<a href="https://im4change.in/livelihood-employment/software-boost-for-silk-sector-roopak-goswami-15096.html" target="_blank"><strong style="" >Software boost for silk sector-Roopak Goswami</strong></a>
<br><small>May 12, 2012</small>
<p style="padding-top: 6px;">
-The Telegraph
A one-stop web-enabled solution for silk farmers of the country was launched today.
SILKS (Sericulture, Information Linkages and Knowledge System) was inaugurated by Ishita Roy, member secretary of Central Silk Board, Bangalore, today through video conferencing.
It is expected to go a long way in addressing...</p>
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<a href="https://im4change.in/livelihood-employment/039rickshaw-bank039-concept-changes-lives-of-thousands-of-pullers-amit-shanbaug-14942.html" target="_blank"><strong style="" >'Rickshaw Bank' concept changes lives of thousands of pullers-Amit Shanbaug</strong></a>
<br><small>May 3, 2012</small>
<p style="padding-top: 6px;">
-The Economic Times
It was just a ride in a cycle rickshaw that moved an Assam based veterinary surgeon, Dr Pradip Kumar Sarmah and got him thinking into setting up the concept of 'Rickshaw Bank'. The concept today has changed the lives of more than 10000...</p>
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<a href="https://im4change.in/livelihood-employment/un-food-programme-helps-village-grow-by-santosh-k-kiro-8291.html" target="_blank"><strong style="" >UN food programme helps village grow by Santosh K Kiro</strong></a>
<br><small>June 9, 2011</small>
<p style="padding-top: 6px;">
Six ponds with abundant fish, six wells, three canals, enough vegetables and paddy to feed all.
Bera, a remote village in Naxalite-hit Bundu block, about 50km from
Ranchi district, got enough food for thought to come out of the rebel
shadow and taste self-sufficiency, thanks to...</p>
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Livelihood/ Employment | Pan Singh Tomar’s great grandson Anuj is a banking correspondent at village Kosarlkalan in Morena -Deepshikha Sikarwar </title>
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Pan Singh Tomar, the legendary steeplechase athlete-turned-dacoit, earned an annual salary of 120 or thereabouts from the Indian Army, where he served as a hawildar in the 1950s. These days, his great grandson roams around their ancestral village..."/>
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-The Economic Times
Pan Singh Tomar, the legendary steeplechase athlete-turned-dacoit, earned an annual salary of 120 or thereabouts from the Indian Army, where he served as a hawildar in the 1950s. These days, his great grandson roams around their ancestral village..." />
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Livelihood/ Employment </h2>
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<a href="https://im4change.in/livelihood-employment/pan-singh-tomars-great-grandson-anuj-is-a-banking-correspondent-at-village-kosarlkalan-in-morena-deepshikha-sikarwar-17959.html" target="_blank">Pan Singh Tomar’s great grandson Anuj is a banking correspondent at village Kosarlkalan in Morena -Deepshikha Sikarwar</a>
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<br><small>November 5, 2012</small>
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-The Economic Times
Pan Singh Tomar, the legendary steeplechase athlete-turned-dacoit, earned an annual salary of 120 or thereabouts from the Indian Army, where he served as a hawildar in the 1950s. These days, his great grandson roams around their ancestral village dispensing similar amounts to those...</p>
<a href="https://im4change.in/livelihood-employment/pan-singh-tomars-great-grandson-anuj-is-a-banking-correspondent-at-village-kosarlkalan-in-morena-deepshikha-sikarwar-17959.html"
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<br><small>October 11, 2012</small>
<p style="padding-top: 6px;">
-The Hindu
Irula woman from Pulicat hamlet of Kulathumedu is part of exchange programme
From a small hamlet near Pulicat to South Korea, it is indeed a grand journey for K. Padmavathy.
A member of the Irula tribe in Kulathumedu, she will fly to Korea, in a fortnight,...</p>
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<a href="https://im4change.in/livelihood-employment/software-boost-for-silk-sector-roopak-goswami-15096.html" target="_blank"><strong style="" >Software boost for silk sector-Roopak Goswami</strong></a>
<br><small>May 12, 2012</small>
<p style="padding-top: 6px;">
-The Telegraph
A one-stop web-enabled solution for silk farmers of the country was launched today.
SILKS (Sericulture, Information Linkages and Knowledge System) was inaugurated by Ishita Roy, member secretary of Central Silk Board, Bangalore, today through video conferencing.
It is expected to go a long way in addressing...</p>
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<a href="https://im4change.in/livelihood-employment/039rickshaw-bank039-concept-changes-lives-of-thousands-of-pullers-amit-shanbaug-14942.html" target="_blank"><strong style="" >'Rickshaw Bank' concept changes lives of thousands of pullers-Amit Shanbaug</strong></a>
<br><small>May 3, 2012</small>
<p style="padding-top: 6px;">
-The Economic Times
It was just a ride in a cycle rickshaw that moved an Assam based veterinary surgeon, Dr Pradip Kumar Sarmah and got him thinking into setting up the concept of 'Rickshaw Bank'. The concept today has changed the lives of more than 10000...</p>
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<a href="https://im4change.in/livelihood-employment/un-food-programme-helps-village-grow-by-santosh-k-kiro-8291.html" target="_blank"><strong style="" >UN food programme helps village grow by Santosh K Kiro</strong></a>
<br><small>June 9, 2011</small>
<p style="padding-top: 6px;">
Six ponds with abundant fish, six wells, three canals, enough vegetables and paddy to feed all.
Bera, a remote village in Naxalite-hit Bundu block, about 50km from
Ranchi district, got enough food for thought to come out of the rebel
shadow and taste self-sufficiency, thanks to...</p>
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Livelihood/ Employment | Pan Singh Tomar’s great grandson Anuj is a banking correspondent at village Kosarlkalan in Morena -Deepshikha Sikarwar </title>
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Pan Singh Tomar, the legendary steeplechase athlete-turned-dacoit, earned an annual salary of 120 or thereabouts from the Indian Army, where he served as a hawildar in the 1950s. These days, his great grandson roams around their ancestral village..."/>
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-The Economic Times
Pan Singh Tomar, the legendary steeplechase athlete-turned-dacoit, earned an annual salary of 120 or thereabouts from the Indian Army, where he served as a hawildar in the 1950s. These days, his great grandson roams around their ancestral village..." />
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Livelihood/ Employment </h2>
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<a href="https://im4change.in/livelihood-employment/pan-singh-tomars-great-grandson-anuj-is-a-banking-correspondent-at-village-kosarlkalan-in-morena-deepshikha-sikarwar-17959.html" target="_blank">Pan Singh Tomar’s great grandson Anuj is a banking correspondent at village Kosarlkalan in Morena -Deepshikha Sikarwar</a>
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<br><small>November 5, 2012</small>
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-The Economic Times
Pan Singh Tomar, the legendary steeplechase athlete-turned-dacoit, earned an annual salary of 120 or thereabouts from the Indian Army, where he served as a hawildar in the 1950s. These days, his great grandson roams around their ancestral village dispensing similar amounts to those...</p>
<a href="https://im4change.in/livelihood-employment/pan-singh-tomars-great-grandson-anuj-is-a-banking-correspondent-at-village-kosarlkalan-in-morena-deepshikha-sikarwar-17959.html"
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<br><small>October 11, 2012</small>
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-The Hindu
Irula woman from Pulicat hamlet of Kulathumedu is part of exchange programme
From a small hamlet near Pulicat to South Korea, it is indeed a grand journey for K. Padmavathy.
A member of the Irula tribe in Kulathumedu, she will fly to Korea, in a fortnight,...</p>
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<br><small>May 12, 2012</small>
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-The Telegraph
A one-stop web-enabled solution for silk farmers of the country was launched today.
SILKS (Sericulture, Information Linkages and Knowledge System) was inaugurated by Ishita Roy, member secretary of Central Silk Board, Bangalore, today through video conferencing.
It is expected to go a long way in addressing...</p>
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<br><small>May 3, 2012</small>
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-The Economic Times
It was just a ride in a cycle rickshaw that moved an Assam based veterinary surgeon, Dr Pradip Kumar Sarmah and got him thinking into setting up the concept of 'Rickshaw Bank'. The concept today has changed the lives of more than 10000...</p>
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<a href="https://im4change.in/livelihood-employment/un-food-programme-helps-village-grow-by-santosh-k-kiro-8291.html" target="_blank"><strong style="" >UN food programme helps village grow by Santosh K Kiro</strong></a>
<br><small>June 9, 2011</small>
<p style="padding-top: 6px;">
Six ponds with abundant fish, six wells, three canals, enough vegetables and paddy to feed all.
Bera, a remote village in Naxalite-hit Bundu block, about 50km from
Ranchi district, got enough food for thought to come out of the rebel
shadow and taste self-sufficiency, thanks to...</p>
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Livelihood/ Employment | Pan Singh Tomar’s great grandson Anuj is a banking correspondent at village Kosarlkalan in Morena -Deepshikha Sikarwar
-The Economic Times
Pan Singh Tomar, the legendary steeplechase athlete-turned-dacoit, earned an annual salary of 120 or thereabouts from the Indian Army, where he served as a hawildar in the 1950s. These days, his great grandson roams around their ancestral village dispensing similar amounts to those...
-The Hindu
Irula woman from Pulicat hamlet of Kulathumedu is part of exchange programme
From a small hamlet near Pulicat to South Korea, it is indeed a grand journey for K. Padmavathy.
A member of the Irula tribe in Kulathumedu, she will fly to Korea, in a fortnight,...
-The Telegraph
A one-stop web-enabled solution for silk farmers of the country was launched today.
SILKS (Sericulture, Information Linkages and Knowledge System) was inaugurated by Ishita Roy, member secretary of Central Silk Board, Bangalore, today through video conferencing.
It is expected to go a long way in addressing...
-The Economic Times
It was just a ride in a cycle rickshaw that moved an Assam based veterinary surgeon, Dr Pradip Kumar Sarmah and got him thinking into setting up the concept of 'Rickshaw Bank'. The concept today has changed the lives of more than 10000...
Six ponds with abundant fish, six wells, three canals, enough vegetables and paddy to feed all.
Bera, a remote village in Naxalite-hit Bundu block, about 50km from
Ranchi district, got enough food for thought to come out of the rebel
shadow and taste self-sufficiency, thanks to...
