India has launched its first high-tech census. Citizens will be photographed and will give 10 fingerprints each. The resultant database will be used to issue identity cards, and later Smart Cards, to all.  All Indians will welcome high-tech Smart Cards. Yet the technological lead has been taken not by the census commissioner but, astonishingly, by Bihar. This state has just completed a pilot project for Smart Cards in Patna district,...

What’s Working... Cashless facility for hospital care, medicine for BPL families Ensures one-point diagnosis, treatment with empanelled hospitals Fixed charges for procedures reduces chances of fleecing Empanelled private hospitals help ease burden on state ones *** ...And What’s Not Lack of awareness leads to under-utilisation of the scheme Flaws in BPL data deprives many of the RSBY card Outcome dependent on regular monitoring of service providers Could shift focus from need to improve...

Just as microcredit on its own does not represent full financial inclusion, it is our view that neither do business correspondent accounts In a country of 1.2 billion individuals, if we exclude children, we should at least have 900 million bank account holders before we can say the job of basic inclusion in banking is complete. No matter how we count, however, the actual number of bank account holders do not...

A difference of opinion between two ministries has put paid to a six-month-old proposal to extend a government health insurance scheme for the poor to those working under the government’s flagship job guarantee programme. The Rashtriya Swasthya Bima Yojana (RSBY) offers cashless hospitalization benefit up to Rs30,000 for a poor family of five. Nearly 11 million families have been issued Smart Cards since the scheme was introduced through the labour ministry...

From Bihar to America, via rickshaw. That’s the feat Irfan Alam has pulled off, winning an invite from President Barack Obama for his work with rickshaw-pullers and proving that Lalu Prasad isn’t the only Bihari worth a toast for his business acumen. The 35-year-old IIM Ahmedabad graduate, who has redesigned and smartened up rickshaws and helped boost the pullers’ earnings and dignity, is one of 79 “unique” entrepreneurs from across the world...