DigiPay Sakhi: Financial Services to Empower Rural Women

DigiPay Sakhi: Opening Doors for Rural Women to Make a Difference

DigiPay Sakhi is a government-backed initiative that aims to empower rural women by providing them with digital financial services. Through this program, women from Self Help Groups (SHGs) are trained to become Digipay Sakhis and offer basic banking services to their communities. Under this scheme, Digipay Sakhis provide basic banking services such as cash withdrawals, deposits, balance checks, using AEPS (Aadhaar-enabled payment System), and bill payments to their fellow villagers.

This program aims to provide digital financial services to rural women, allowing them to become economically independent and contribute to their communities. In this article, we will delve deeper into the concept of Digipay Sakhi, its benefits, eligibility criteria, and the registration process.

What is Digipay Sakhi?

Digipay Sakhi is a program designed to train and empower women from Self Help Groups (SHGs) in rural areas to become digital financial service providers. These trained women, known as Digipay Sakhis, offer basic banking services to their fellow villagers, including cash withdrawals, deposits, balance checks, Aadhaar-enabled payments, and bill payments.

What is the Salary of DigiPay Sakhi?

The salary of a Digipay Sakhi varies based on transaction volume, service charges, and demand. It provides an additional income source for them to support themselves and their families. Similarly, a BC Sakhi receives a starting salary of around 3,000 rupees per month and earns approximately 10,000-12,000 rupees per month through transaction commissions. BC Sakhis work with CSCs, providing banking services and promoting financial inclusion in rural areas.

Who is Eligible for DigiPay Digital Sakhi?

To become a DigiPay Sakhi, women must meet the following criteria:

• Be a member of a Self Help Group (SHG).
• Have completed 10th or 12th grade.
• Basic Computer and Smartphone Operating Knowledge

What is the Full Form of BC Sakhi?

BC Sakhi stands for Business Correspondent Sakhi. The term “Business Correspondent” refers to individuals or entities that are engaged by banks to provide banking services in remote or unbanked areas where establishing brick-and-mortar branches may not be feasible. Digipay Digital Sakhi is essentially a version of BC Sakhi, focusing specifically on providing digital financial services to rural women.

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Which Services Digital Sakhi Will Provide?

Deposits and Withdrawals: Facilitating cash transactions for bank account holders.
Loans: Assisting individuals with loan applications and providing access to financial support.
Self-Help Group (SHG) Services: Guiding and supporting SHG members in managing their groups effectively.
Loan Recovery: Ensuring timely repayments and assisting borrowers in meeting their loan obligations.
Jan Dhan Yojana: Promoting the government scheme for opening bank accounts and accessing financial benefits.

Download DigiPay Sakhi Mobile App

DigiPay Sakhi Registration Process 2023

The registration process to become a Digipay Digital Sakhi involves the following steps:

• Identify a woman who is a member of a registered Self Help Group (SHG).
• Go to the CSC registration website (https://register.csc.gov.in/) and apply for a CSC ID.
• Make a note of the CSC VLE registration application reference number provided during the registration process.
• Visit the CSC Health website (http://cschealth.in/).
• Click on the “VLE login” option and use your CSC ID and password to log in.
• On the dashboard, click on the “Self Care Group” icon.
• Enter your mobile number and verify the OTP (One-Time Password) sent to your mobile.
• Fill in your personal details and click on the submit button.
• Click on the “Register SHG member” option.
• Enter the mobile number of the SHG member and verify the OTP received.
• Provide the SHG details, including the SHG name and registration number.
• Enter the SHG member’s details and upload her photograph (up to 50Kb).
• Enter the Aadhaar and PAN (Permanent Account Number) numbers of the SHG member.
• Indicate that you have applied for a CSC ID.
• Enter the CSC ID application reference number and submit the information.

How a DigiPay Digital Sakhi Start their Journey?

To begin their journey as a Digital Sakhi, the following steps are typically involved:

BC Sakhi Training: Women who join the program undergo training to learn how to operate within the banking system and perform their duties effectively in the villages.

BC Sakhi Exam: Before starting work in the villages, women who undergo BC Sakhi Training are required to take an exam. This exam tests their knowledge of the banking services they have learned during the training.

BC Sakhi Certificate: Women appointed as BC Sakhis by the respective banks are issued the Pradhan Mantri Jan Dhan Yojana Uniform, BC Sakhi Certificate, and an ID card.

Digipay Digital Sakhi Helpline

Conclusion

Digipay Digital Sakhi is an empowering initiative that equips rural women with digital financial skills and enables them to provide essential services to their communities. By promoting financial inclusion and literacy, this program contributes to the socio-economic development of rural areas. If you are a rural woman seeking to make a positive impact and earn a livelihood, consider becoming a Digipay Sakhi. Contact your nearest CSC center and embark on a journey toward empowerment and financial independence.

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