I have proposed to UIDIA in 2012 to train Business Correspondents as India need 14,00,000 Business Correspondents by 2014. In a country where illiteracy rules at grass root level, we need to handhold and help them to come to minimum cash transactions environment.

1. SHAR TECHNOLOGIES GROUP
Copyright © Shar Technologies Group 2012
“Business Correspondents”
Training and Placement Proposal
for
UIDIA
Government of India

2. Contents
2Copyright © Shar Technologies Group 2011 -12
Title Page(s)
Preamble 3, 4
Opportunity 5
About STG 6
Identification of Business Correspondent 7
How it will work 8
Training Schedule 9 to 31
STG’s Sustainable Model 1 32
STG’s Sustainable Model 2 33
The Way Forward 34
Address for Communication 35

3. Copyright © Shar Technologies Group 2011 -12 3
Preamble to this Proposal
 The Unique Identification Authority of India (UIDAI) is working with the Indian Banks' Association to create a
network of 14 lakh micro ATMs across the country. While the banks will authorize the transaction, the
authentication will be done by UIDAI by biometric association with its database.
 "The plan is to have at least two micro-ATMs in every village, which means that there will have to be at least 14
lakh of them," said A P Singh, deputy director-general, UIDAI.
There are 23,000 villages in Andhra Pradesh, We need 46,000 Business
Correspondents.
 The micro-ATMs, which are to be deployed by banks, will be manned by Business Correspondents
appointed by banks either directly or through agencies. These business correspondents will act as mini bank
branches by accepting deposits, enabling withdrawals, fund transfer from Aadhaar-to-Aadhaar accounts and
providing statement of transactions. The connectivity will be provided by the Aadhaar-enabled payment system
(AEPS) – a new electronic payment network jointly promoted by the National Payment Corporation of India with
the UIDAI. Over 60 banks have registered to be part of this network.

4. Preamble to this Proposal Contd..
• MG-NREGA workers with Aadhaar will now be able to withdraw money
through micro ATM device launched by the Unique Identification
Authority of India (UIDAI).
• UIDAI Director General R S Sharma said. “The beneficiary has to put his
finger and Aadhaar number into the micro ATM wireless device and get
the money within 8 to 9 seconds from a business correspondent after
verification about the beneficiary having that much amount deposited
in the bank account shown through a receipt by the device.”
• Unlike the regular bank ATMs, the device does not store any money, so
the beneficiary will get the withdrawn amount from the business
correspondent on the spot. “The (about a foot-long) device functions
through any SIM and wherever there is a mobile tower. The device will
be with a bank-appointed business correspondent,” R S Sharma said.
• The system will root out the role played by middlemen, as the
beneficiaries will be able to approach the business correspondent of
their choice. Besides the MG-NREGA workers, other beneficiaries under
old-age pension, scholarship or any other welfare schemes could also
benefit from the device. Copyright © Shar Technologies Group 2012
UIDAI brings micro ATM for
daily wagers with Aadhaar
4

5. Copyright © Shar Technologies Group 2012
By 2014 India require
14,00,000
Business Correspondents
to be deployed in rural India
5
The opportunity to create Livelihoods

6. Copyright © Shar Technologies Group 2011 -12 6
About Shar Technologies Group (STG)
STG is a partnership company incorporated in 2005 with the main object of offering solutions in Human Resources –
Recruitment and Training. The company is promoted by Dr.Pasam Prasad Rao and Smt. Pasam Radhika Rajani, both
are professionally qualified and are from HR background and have collective experience over 30 years. STG started
two other divisions in April 2012, Commodities Trading Division and Medical Care Division.
Dr.Prasad Rao Pasam holds Master in Business Administration and Doctorate in Human Capital Management. He
has over 15 years of experience in Human Capital Management and domain expertise in the industries like IT/ ITES,
Medical Care, Media, Manufacturing, Trading, Minerals, Metals, CSR and Health Insurance. He is the Chief Editor of
Talent Exchange Employment Newspaper Weekly. He is the first HR professional in India to innovate this idea of
having Talent Exchange™ Portal, Talent Exchange Employment Newspaper Weekly, and Employment Journalist
called, Udhyogmithra™. Shri Narayana Murthy of Infosys offered his patronage for Talent Exchange on March 4th
2011.
Smt. Radhika Rajani Pasam is did her Masters in Business Administration with specialization in Human Resources.
She has worked in collecting the resumes of the both active and passive Job seekers, coordinating with them for the
resume writing, selection process etc. She is the founding member and Vice President of STG’s CSR division, Venche
Foundation. She manages the operations of this foundation which works for the underprivileged children and their
upliftment.

7. Copyright © Shar Technologies Group 2012 7
Identification of the Business Correspondent
• 2 per Village
• Locally advertise for enrollment of Job Seekers and Self
Employment Financial Assistance Seekers
• Minimum Qualification – Intermediate
• Age limit 18 to 22 yrs
• Can read and write local language and English
• A positive attitude towards working in rural areas
• Willingness to learn
• Orientation towards high achievement
• Punctual and good time management skills
• Empathy towards poor
• Respect towards women

8. Copyright © Shar Technologies Group 2012 8
How it will work
• Banking correspondents will get
micro-ATMs to pay beneficiaries
• To work on lease model, wherein
banks charge Rs 300 monthly
from users for operating push
terminals
• Rs 3,000-5,000 income to be
ensured for banking
correspondents to make the
business viable
• 3.14% has been suggested as
transaction fee
• Of the 3.14% or a maximum of
Rs 15, banking correspondents
will get 75%
• Banking correspondents will get
micro-ATMs to pay beneficiaries
• To work on self employment
model, wherein banks charge
EMI’s from Business
Correspondents
• Rs 3,000-5,000 income to be
ensured for banking
correspondents to make the
business viable
• 3.14% has been suggested as
transaction fee
• Of the 3.14% or a maximum of
Rs 15, banking correspondents
will get 75%

9. Copyright © Shar Technologies Group 2012
 STG will identify the Business Correspondents for SELF EMPLOYMENT
MODEL
 STG will work with various banks participating in this Aadhar Based Money
Transfer Scheme
 STG will work with MicroATm Manufacturers for supply chain and
Maintenance of the Micro ATM’s
 STG will negotiate with the Banks, MicroATM manufacturers for a triparty
agreement between the Bank financing the MicroATM to the Business
Correspondent and the MicroATM Manufacturer
 STG in collaboration with Helios & Matheson will give the training and
certification for this program. ITSEERS for MicroATM Technical Collaboration
etc
9
Training Program and Certification

10. Copyright © Shar Technologies Group 2011 -12 10
Day 1 & 2- Understand Computers and their use
Understand current and future uses of Computer and MicroATM in society.
Learning objectives
What you will learn as you master the competency:
a. Participate in lecture/discussions about Computers, MicroATMs and the future.
b. Use available media to become aware of Computers, and MicroATMs usage in
society.
Performance Standards
Competence will be demonstrated:
o when student can discuss future uses of computers/MicroATMs.
o by successful completion of final exam.
Criteria - Performance will be satisfactory when:
o learner participates in lecture/discussions about computers/MicroATMs and the
future.
o learner uses available media to become aware of computer usage in society.

11. Copyright © Shar Technologies Group 2011 -12 11
Day 3 & 4: Understand Embedded systems
Understand computer and embedded system organization, architecture and
important components
Learning objectives
What you will learn as you master the competency:
a. Participate in lecture/demo of computer organization charts and diagrams.
b. Draw computer Organization diagrams with appropriate labeling.
Performance Standards
Competence will be demonstrated:
o by successful drawing of computer Organization.
o by successful completion of the final exam.
Criteria - Performance will be satisfactory when:
o learner participates in lecture/demo of computer Organization.
o learner draws computer organization diagrams with appropriate labeling.

12. Copyright © Shar Technologies Group 2011 -12 12
Day 5 & 6: MicroATM Components
Understand MicroATM embedded system organization, architecture and
important components. This lecture reinforces the learning in day 3 &4 in the
context of the MicroATM.
Learning objectives
What you will learn as you master the competency:
a. Participate in lecture/demo of MicroATM embedded system structure and
organization.
b. Draw MicroATM Organization chart with appropriate labelling.
Performance Standards
Competence will be demonstrated:
o by successful drawing of MicroATM organization chart.
o by successful completion of the final exam.
Criteria - Performance will be satisfactory when:
o learner participates in lecture/demo of MicroATM computer organization.
o learner draws computer schematic with appropriate labelling.

13. Day 7 & 8 : MicroATM Machine Operation
Start and safe closing of the MicroATM. Understanding power related and
other operational issues
Learning objectives
What you will learn as you master the competency:
a. Participate in lecture/demo of correct starting/turn off procedure of the MicroATM.
b. Start/turn off the MicroATM using correct procedures.
Performance Standards
Competence will be demonstrated:
o by starting/turning off MicroATM using correct procedure.
o by successful completion of the final exam.
Criteria - Performance will be satisfactory when:
o learner participates in lecture/demo of correct starting/turn off procedure for
MicroATM.
o learner starts/turns off the MicroATM using correct procedures.
Copyright © Shar Technologies Group 2011 -12 13

14. Day 9 & 10 : MicroATM Printer Operation
Using the Printer optimally so that it has long life
Learning objectives
What you will learn as you master the competency:
a. Participate in lecture/demo of correct starting/turn off/use of the MicroATM printer.
b. Start/turn off the MicroATM Printer using correct procedures.
c. Load new paper and align it correctly
d. Clear paper jams
Performance Standards
Competence will be demonstrated:
o by starting/turning off MicroATM printer using correct procedure.
o by successful completion of the final exam.
Criteria - Performance will be satisfactory when:
o learner participates in lecture/demo of correct starting/turn off/usage
procedures of the MicroATM Printer.
o learner prints a few staments/dockets without wasting print paper.
Copyright © Shar Technologies Group 2011 -12 14

15. Day 11 & 12: MicroATM Scanner Operation
Using the Finger Print Scanner so that it keeps performing well al the time
Learning objectives
What you will learn as you master the competency:
a. Participate in lecture/demo of correct use of MicroATM Finger Print Scanner.
b. Making good Finger Print Scans
c. Taking care of Finger Print device
Performance Standards
Competence will be demonstrated:
o by scanning fingers using correct procedure.
o by successful completion of the final exam.
Criteria - Performance will be satisfactory when:
o learner participates in lecture/demo of correct scanning of fingers.
o learner scans several fingers correctly.
Copyright © Shar Technologies Group 2011 -12 15

16. Day 13: MicroATM MicroStrip Reader Operation
Using MicroStrip Reader for processing cards
Learning objectives
What you will learn as you master the competency:
a. Participate in lecture/demo of correct use of MicroATM MicroStrip Reader.
b. Making a few card reads using the MicroStrip Reader
c. Physically taking care of MicroStrip Reader
Performance Standards
Competence will be demonstrated:
o by reading info using MicroStrip Reader.
o by successful completion of the final exam.
Criteria - Performance will be satisfactory when:
o learner participates in lecture/demo of correct use of MicroStrip Reader.
o learner reads several cards using the MicroStrip Reader.
Copyright © Shar Technologies Group 2011 -12 16

17. Day 14: MicroATM Security
Understanding security needs of the banking applications and biometrics
Learning objectives
What you will learn as you master the competency:
a. Participate in lecture/demo of correct use of security features of the MicroATM
b. Understands how to thwart security breaches
c. Understands the financial and social implications of security
d. Learns to identify possibly malicious uses of MicroATM
Performance Standards
Competence will be demonstrated:
o by answering questions regarding security requirements of the MicroATM.
o by successful completion of the final exam.
Criteria - Performance will be satisfactory when:
o learner participates in lecture/demo of correct use of MicroATM bulletin security
features.
o learner thwarts some security breaches..
Copyright © Shar Technologies Group 2011 -12 17

18. Day 15: Directory and File handling
Understand MicroATM GUI for Creating, saving, copying files and
directories. This is useful for MicroATM diagnostics (in case of problems)
and other future purposes
Learning objectives
What you will learn as you master the competency:
a. Describe a generic file /directory structure
b. Use the MicroATM GUI to create and modify a text file.
c. Create and change directory structures
d. Open, Save, Close files
g. Use the GUI to view files/directories
h. Take backups
i. Restore backups
Contd.. Next day
Copyright © Shar Technologies Group 2011 -12 18

19. Copyright © Shar Technologies Group 2011 -12 19
Day 16: Directory and File handling Contd...
Performance Standards
Competence will be demonstrated:
o by the completion of unit assignments with required features.
o by participating in class lecture/demos.
o by the successful completion of final exam.
Criteria - Performance will be satisfactory when:
o learner describes the directory and file structures of a MicroATM correctly.
o learner uses gained knowledge in creating a few directories and files during the
labs

20. Copyright © Shar Technologies Group 2011 -12 20
Day 17 & 18: MicroATM Trouble Shooting
Perform cursory trouble shooting of the MicroATM in case of operating
system problems.
Learning objectives
What you will learn as you master the competency:
a. Run some diagnostics to understand what is going wrong
b. Assess seriousness of the problem and judge if self help is adequate
c. How to call service center for help and learn how to describe the problem
accurately
Performance Standards
Competence will be demonstrated:
o by the successful analysis of some trouble scenarios.
o by participating in class lecture/demos.
o by the successful completion of final exam.
Criteria - Performance will be satisfactory when:
o learner describes trouble shooting steps.
o learner troubleshoots a few damaged MicroATMS

21. Copyright © Shar Technologies Group 2011 -12 21
Functional
The basic transaction types that the MicroATM will support are:
 Cash withdrawal
 Cash deposit
 Transaction enquiry
 Remittances
Business Correspondent will ensure this
System is successful

22. Copyright © Shar Technologies Group 2011 -12 22
Day 19: Introduction to Banking Application
Executing the integrated banking application of the MicroATM.
Learning objectives
What you will learn as you master the competency:
a. Recognize icon on desktop representing integrated banking application.
b. Activate integrated application.
c. Select appropriate module within the package using module selection screen.
d. Select module for use.
Performance Standards
Competence will be demonstrated:
o by the completion of exercises using the integrated banking application.
o by participating in class demonstrations.
o by successful completion of the final exam.
Criteria - Performance will be satisfactory when:
o learner recognizes icon on desktop representing integrated banking application.
o learner activates integrated package.
o learner selects appropriate module within the package using module selection
screen.

23. Copyright © Shar Technologies Group 2011 -12 23
Day 20 & 21: Deposit Cash
Depositing money into an account using the MicroATM
Learning objectives
What you will learn as you master the competency:
a. Recognize icon on desktop representing cash deposit
b. Select appropriate module within the package using module selection screen.
c. Activate cash deposit module.
d. Select module for use.
e. Make several deposits to experience various real life scenarios
Performance Standards
Competence will be demonstrated:
o by the completion of exercises using the deposit module.
o by participating in class demonstrations.
o by successful completion of the final exam.
Criteria - Performance will be satisfactory when:
o learner recognizes icon on desktop representing deposit function.
o learner activates deposit function.
o learner performs deposits correctly and closes the application safely

24. Copyright © Shar Technologies Group 2011 -12 24
Day 22 & 23: Balance Enquiry
Checking cash balance on the MicroATM
Learning objectives
What you will learn as you master the competency:
a. Recognize icon on desktop representing cash balance
b. Select appropriate module within the package using module selection screen.
c. Activate cash balance module.
d. Select module for use.
e. Make several balance enquiries to experience various real life scenarios
Performance Standards
Competence will be demonstrated:
o by the completion of exercises using the balance query module.
o by participating in class demonstrations.
o by successful completion of the final exam.
Criteria - Performance will be satisfactory when:
o learner recognizes icon on desktop representing balance query function.
o learner activates balance query function.
o learner performs balance queries correctly and closes the application safely

25. Day 24 & 25: Withdrawal Transaction
Making cash with drawls from the MicroATM
Learning objectives
What you will learn as you master the competency:
a. Recognize icon on desktop representing cash withdrawal
b. Select appropriate module within the package using module selection screen.
c. Activate withdrawal module.
d. Select module for use.
e. Make several withdrawal transactions and experience
various real life scenarios
Performance Standards
Competence will be demonstrated:
o by the completion of exercises using the integrated banking application.
o by participating in class demonstrations.
o by successful completion of the final exam.
Criteria - Performance will be satisfactory when:
o learner recognizes icon on desktop representing withdrawal function.
o learner activates withdrawal function.
o learner performs withdrawals correctly and closes the application safely
Copyright © Shar Technologies Group 2011 -12

26. Copyright © Shar Technologies Group 2011 -12 26
Day 26 & 27: Money Transfer
Making Money transfers using the MicroATM
Learning objectives
What you will learn as you master the competency:
a. Recognize icon on desktop representing cash transfer
b. Select appropriate module within the package using module selection screen.
c. Activate cash transfer module.
d. Make several cash transfer transactions and experience
various real life scenarios
Performance Standards
Competence will be demonstrated:
o by the completion of exercises using the integrated banking application.
o by participating in class demonstrations.
o by successful completion of the final exam.
Criteria - Performance will be satisfactory when:
o learner recognizes icon on desktop representing cash transfer function.
o learner activates cash transfer function.
o learner performs withdrawals correctly and closes the application safely

27. Copyright © Shar Technologies Group 2011 -12 27
Day 28 & 29: Application Trouble Shooting
Perform cursory trouble shooting of the MicroATM banking application and
other possible applications in case of problems.
Learning objectives
What you will learn as you master the competency:
a. Run some diagnostics to understand what is going wrong with an application
b. Assess seriousness of the problem and judge if self help is adequate
c. How to call service center for help and learn how to describe the problem
accurately
Performance Standards
Competence will be demonstrated:
o by the successful analysis of some trouble scenarios.
o by participating in class lecture/demos.
o by the successful completion of final exam.
Criteria - Performance will be satisfactory when:
o learner describes application trouble shooting steps.
o learner trouble shoot a few damaged MicroATMS applications

28. Copyright © Shar Technologies Group 2011 -12 28
Day 30: Upgrading of MicroATM SW
Learn how to make SW upgrades to the MicroATM. Learn taking best care of
the MicroATM so that it performs optimally even after continued regular
usage and software upgrades.
Learning objectives
What you will learn as you master the competency:
a. Upgrading Application SW on the MicroATM
b. In case of problem, learn how to revert to older version
c. Learn how to backup/restore the entire system or just the application SW
Performance Standards
Competence will be demonstrated:
o by the successful upgrading of a few versions of the SW
o by participating in class lecture/demos.
o by the successful completion of final exam.
Criteria - Performance will be satisfactory when:
o learner describes steps in SW upgrade
o learner performs a few SW upgrades on the MicroATMS machines

29. Copyright © Shar Technologies Group 2012 29
Day 31: Soft Skills
The ability to manage yourself and relate
to other people.

30. Copyright © Shar Technologies Group 2012 30
Day 32: Telephone Etiquettes
Be available for your customers and your communication skills will help you…
…to handle interpersonal relations
…to take appropriate decisions
…to communicate effectively
…to make an impressive impact

31. Copyright © Shar Technologies Group 2011 -12 31
Day 33: Test & Certificate
On successful completion of the course, a 2 Hours written test will be
conducted to assess the students
The test will cover all the topics taught in the classes and demonstrations.
Students getting less than 50% marks will be deemed to be not eligible for
certication

32. Copyright © Shar Technologies Group 2011 -12 32
STG’s Sustainable Model 1
Training and Placements of Business Correspondents with the Banks
participating in this Aadhar Based Money Transfer System
Identification and selection of Business Correspondents
Connecting with the respective State Governments and Central Government
Livelihoods Programs and using the funds for training and placements
Connecting the training people with the Banks and their manpower
agencies for employment of these training people as Business
Correspondents
Continuous training and placement for min 10 years and there after.

33. Copyright © Shar Technologies Group 2011 -12 33
STG’s Sustainable Model 2
Self Employment
The MicroATM’s will be given to the identified and qualified persons (2 per
Village) as Loan for Self Employment Basis
The agreement will be between Self Employed, Bank and the Manufacturer
of MicroATM
STG shall make the process document and monitor this self employment
scheme and will be paid for services offered including training and
documentation

34. 34
The Way Forward
Presentation of this proposal to UIDIA 03-01-2013
Presentation of Detailed Implementable Proposal to be discussed
Signing of MoU with UIDIA to be discussed
Signing of MoU with AP Government to be discussed
Implementation of the Proposed Project to be discussed

35. Copyright © Shar Technologies Group 2012 35
Thank You
A proposal to UIDIA from:
Pasam Prasad Rao
Founder & Managing Partner
SHAR TECHNOLOGIES GROUP
SUIT NO.409 & 410, 4TH FLOOR, MODEL HOUSE,
PUNJAGUTTA, HYDERABAD 500 082, ANDHRA PRADESH, INDIA
TEL: +91-40-23359900/ 9901/ 9902/ 9903; Mobile: +91-917-711-1779
EMAIL: prasadrao@sharinc.com; Website: www.sharinc.com