In his budget speech on 01 Feb 2019 , Shri Piyush Goyal
announced the ,
“ Pradhan Mantri
Shram-Yogi Maandhan Scheme “
Objective :
To provide pension, to 42 crore
workers, working in in the Unorganized Sector”
Details and
Problems :
These are described at the bottom of this blog
My Suggestion re
Implementation of this Scheme :
# ROLE OF VARIOUS MINISTRIES
Ministry of Labour
·
Provide overall guidance / direction /
supervision over implementation of the scheme and allocate / make available the
required funds to other Ministries
·
Carry out necessary amendments to the
relevant labour laws to make it mandatory for all
the employers to record employee attendance using
mobile app described at :
From BAD
to MAD ( 01 June
2016 )
==============================
Ministry of Electronics and IT
·
Procure Computers for FREE supply and installation at 60 million MSME ( estimated to employ 120 million persons )
Specifications of Computers
( estimated cost = Rs 2 lakh each ) :
# Built-in GPS ( NaviC based ) / Bluetooth /
NFC
# Video Conferencing software
·
Provide 100 Mbps broadband
connection ( FREE ) to each MSME joining Scheme
·
Develop the software platform for digitizing
the HR related operations of MSME , through design / develop / launch of
portal www.MaanDhan.gov.in
·
Direct each of the 1.2
million operators of 3 lakh CSC [ Customer
Service Centers ] to visit 50 nearby MSME and guide / help , both the
workers and the MSME employer , to enroll the workers on www.MaanDhan.gov.in , by filling in the REGISTRATION FORM with
the following data about each worker :
# Name
/ Contact Details / DOB / Aadhar Card No / Employee Number
(
Each unique Employee Number will be auto-generated by a
common Salary Payment Software , running
on Web site Server )
# Employee's Jandhan Yojana
Bank Account Number for salary transfer ( DBT )
# Employer's Jandhan bank
account / Unique Employer Number
( Employers will be mandated to effect the
salary payments , only through digital
bank transfer and never through CASH )
# Employee
Category ( Hourly-rated / Daily-rated / Monthly-rated )
# Payment
Frequency ( Daily – Fortnightly – Monthly )
# Leave
provisions / PF rate / TDS rate / Allowances / Reimbursements
# Any
other relevant data ( either about employee or of employer )
·
Each CSC operator will be assigned 50 MSME so
as to cover all 60 million MSME within one year
===========================
Ministry
of MSME
·
Upload comprehensive database of 60 million
MSME on www.MaanDhan.gov.in
·
To launch www.EmpowerMSME.com
This portal will enable 60
Million MSME to download ( for FREE ) , documents – records – forms – drawings –
process charts – operating procedures – contracts etc , uploaded on this portal
by large / organized sector Companies ( - which are non-secret and being used
by these companies currently or in the past )
This portal has been developed
and tested by L&T
and designed with dataset which is identical with database of 60 million MSME on
Ministry’s own website – enabling free
migration of data , either way
I am sure , Padma Vibhushan Shri Anil Naik (
Chairman – L&T Group ) would be too
happy to hand over the Source Code for this portal to the MSME Ministry [ of
course , FREE of cost or obligation ] and help them launch it – WITHIN 2 WEEKS !
==============================
Ministry
of Skills Development
·
There are around 15,000 skill
training centres in the country right now, which are inadequate for India’s
size
·
We need to train at least 2 crore people
every year, but right now we’re training only 1.05 crore. We need to double our capacity
·
At
Rs 3 cr / centre , we need Rs 45,000 cr to construct additional 15,000 centres , to
be able to train 2 cr youth / year . It will take years to
construct these centres , even if the required funds were available ( - which
is not ! )
·
To
bypass both of these limitations , I suggest :
# Transform
millions of MSME into “ Skill
Training Centres “
# Deliver online Training Courses for
development of various skills through the
Computer provided by the Labor Ministry for
implementation of MaanDhan
Scheme
# Some of these may be VR based training, requiring
VR headsets ( to be provided
FREE to MSME by this Ministry ) . These can be
used not only by the apprentices
but also by the MSME’s own workers
# As
an incentive / motivation for the MSME to undertake to train at least 2
apprentices per year ( under the Apprentice
Act ) , following may be considered :
+
Government subsidizing the
stipend payable to the trainees by 50 %
+
No obligation to absorb the trainees after completion of training
==============================
Ministry
of Commerce
{ DPIIT = Department for
Promotion of Industry and Internal Trade }
·
To launch portal www.B2BmessageBlaster.com
( I
will be happy to provide the Source Code for this , free
of any cost / obligation )
This
will portal will enable ,
# MSMEs
to reach out to 2.73 lakh large / organized
Indian Companies
and 4,000 + International Chambers of Commerce , located in 200
countries, for
promoting
their products / services
# Large
/ organized companies ( Indians and Foreign )
to blast their requirements ( for raw
materials – components – sub assemblies –
services
) etc to 60 million MSMEs. This will boost exports from MSME sector
# All
Ministries / Government Departments to advertise ( through blasting ) their
requirements
( including those posted on e-Gem portal ) to these 60 million
MSMEs , apart from blasting their notices /
circulars / announcements etc
=============================
Role of
the MSME :
·
To ensure that ALL of its employees ( blue
collar workers or white collar supervisory staff ), get enrolled in the Scheme by
registering on www.MaanDhan.gov.in
–
whether they earn less or more than Rs 15,000 per month
·
To effect their salary – wages payment ,
only through online bank transfer , after deducting Rs 55 or Rs 100 from their
salaries and depositing these amounts in the Pension Accounts of the respective
employees . Hence no need for any misses !
================================
Role of the
Workers :
·
They must not only enroll in the Scheme by
registering online but they MUST
download ( from www.MaanDhan.gov.in
web site ) , MAD mobile app on their smart
phones and register their ENTRY and EXIT at the work-place as explained in :
From BAD
to MAD ( 01 June
2016 )
============================
ADVANTAGES of
MY SUGGESTION :
# For employees , no need to file a separate annual Income
Tax Return
# Direct deposit of PF / TDS amounts
into bank accounts of Govt Depts
# Direct Benefit Transfer ( DBT ) to every Employer for
Stipend Subsidy ,
based on number of total trainees /
apprentices employed
# Total number of
employees in India ( category / region / industry )
( No more disputes re Jobs
Generated each month ! )
# Employment Density ( Industry wise / Region wise / Skill
wise etc )
# Net Employment Growth Rate ( weekly - monthly / Industry-wise
)
# Co-relation with no
of persons graduating at various levels
# Data about those Unemployed ( " Graduating "
less " Employed " )
# Overtime Statistics
( Use / Abuse )
# Work-hour Analysis ( Ave hours /
week - month )
# Wage / Salary Rates ( Rs per hour ) - Industry wise /
Region wise
( of great interest to Foreign
Investors looking to bring down
manufacturing costs , by
outsourcing to India / manufacturing in India )
# Compliance with labour laws / tax laws / Apprentice Act
etc
# Job Market Forecasts through BIG
DATA ANALYTIC ( region / industry )
# Demographic Profiles of employees ( Rural to
Urban migration )
# Per Capita Income
Growth for persons using MAD app ( MOM / YOY )
# Changing composition
between Blue Collar and White Collar employees
=================================
SCHEME DETAILS :
Types of Workers (
examples mentioned in Budget speech ) :
·
Street Vendors
·
Rickshaw Pullers
·
Construction Workers
·
Rag Pickers
·
Agricultural Workers
·
Handloom Artisans
·
Domestic Workers
Eligibility
Criteria
:
·
Those drawing a monthly income ( not
necessarily , thru salary / wages ? ) of Rs 15,000 or less
Contribution to
be made by the Worker :
·
Those joining at age 18 and age 40
-
To contribute Rs 55 / month for 20 years
·
Those joining at age 29
-
To
contribute Rs 100 / month for 20 years
Contribution
that the Central Government will make :
-
Matching amounts every month
When ( at what
age ) will these contributors start getting pension ?
-
Upon reaching the age of 60
How much pension
amount will they get ?
-
Rs 3,000 per month
What is the
total number of workers in the Unorganized
Sector ?
-
Approximately Rs 40 – 42 crore
How many of
these are expected to enroll in this scheme ?
-
Some 10 crore ( 100 million ) in next 5
years
When is
enrollment expected to start ?
-
From Feb 15 , 2019
How much money
is allocated for this scheme ?
-
Rs 500 crore immediately
============================
Problems :
·
Will amount of contribution vary with age ?
·
What happens if an enrolled contributor
fails to make monthly contribution half way , because he lost his job or
income-source ?
·
What happens when a contributor’s income
rises above Rs 15,000 / month ? From that month onwards , does he become
ineligible and stop paying monthly installments ? In such an event , how much
pension would he get upon reaching age of 60 ?
·
How will Labour Ministry satisfy itself
that the person enrolling belongs to “ Unorganized Sector “ AND is currently
has an INCOME of less than Rs 15,000 ?
·
What about “ Self Employed “ persons earning
less than Rs 15,000 / month ? Are they ineligible to enroll ? How does Ministry
certify that ? By definition , “ Self Employed “ are the real “ Unorganized
Sector “ !
·
Even those “ employed “ by MSME ( - some 12
crore persons in some 5 crore establishments ) , get their salaries in CASH –
and without being shown on any kind of official Payroll . A great majority of
these earn a wage of Rs 15,000 or less
==================================
CAUTION :
Nothing like this has ever been attempted earlier , so
it is not possible to envisage ALL the problems that Ministry / LIC will face
during the course of implementation
Hence , as the implementation rolls out ,
course-corrections will become necessary , as it happened during the
implementations of De-Monetization / GST
/ AyushMan Bharat Scheme and now , about to happen in implementation of the E
Commerce Policy
But , if we keep “ analyzing “ for years ( for fear of
getting wrong, ) , we will remain “ paralyzed “ forever !
Hence, I suggest , Ministry / LIC make a beginning as
follows :
·
In the first phase , roll out the scheme
for only those who are “ Employed “ in MSME
Based on experience
gained, roll out for the “ Self Employed “ in second phase
==============================
CONTEXT :
( Source : Budget
speech of Shri Piyush Goyal on 01 Feb 2019 )
The minister said in order to reap the
benefits of AI and advanced technologies, a national programme on AI has
been envisaged by the government
This would be catalyzed by the
establishment of the National Centre on AI as a hub along with Centres of
Excellence
Nine priority areas have been
identified. A national AI portal will be developed soon
AI technology helps in analyzing data in various technologies to improve the
efficiency of system like,
#
Power management in cars
#
Mobile
Devices
#
Weather predictions , and
#
Image Analysis etc
Over 3 lakh Common Service Centres (
CSC ) employing about 12 lakh people are digitally delivering several services
to the citizens
The CSCs are expanding their services
and also creating digital infrastructure in the villages, to convert the
villages into Digital Villages
The Government will make one lakh
villages into Digital Villages over the next 5 years
====================================================
04 Feb 2019
Rsvp :
hcp@RecruitGuru.com
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