Financial Inclusion Fund- A Differentiated Approach
Ref. No. NB. DFIBT/ 83-556/ DFIBT- 23/ 2019-20                                     23 April 2019 
Circular No. 105/ DFIBT-04/ 2019
The Chairman and Managing Director/ Chairman/ Chief Executive Officer
Scheduled Commercial Banks 
(including Scheduled Small Finance Banks and Payment Banks)
Regional Rural Banks
State Cooperative Banks
District Central Cooperative Banks
Madam/ Dear Sir, 
Financial Inclusion Fund- A Differentiated Approach 
In the past decade, Financial Inclusion Fund (FIF), has been utilised for putting in place the required financial inclusion infrastructure in banks, as well as for providing much needed financial literacy. During this period the concerted efforts of all stakeholders have brought notable progress in both spheres: creating financial awareness and delivery of financial services. However, there still exist regions which are financially excluded and banks where technology adoption is inadequate, thus preventing equitable spread of financial services. To address these disparities in development of various areas and banks it was considered necessary to adopt a new strategy for financial inclusion.  Hence, a differentiated strategy is being put in place for support from the FIF from the current financial year 2019-20 onwards.
2. Differentiated Strategy
The strategy involves more thrust on backward districts that are constrained by various physical, economic and sociological characteristics, now termed as the Special Focus Districts (SFDs). The SFDs comprise all Aspirational districts, LWE districts and districts of Hill states, A & N Islands as also those of the North Eastern Region. At present there are 313 SFDs in the country (Annexure I). The grant support from FIF for projects implemented in these SFDs, has been enhanced to 90% of the eligible expenditure incurred by the implementing bank. The grant support for projects in other districts would be limited to 60%, 80% and 90% of eligible expenditure for Scheduled Commercial Banks (SCBs) including scheduled Small Finance Banks (SFBs) and Payment Banks (PBs), Regional Rural Banks (RRBs) and Rural Cooperative Banks (RCBs) respectively.
3. Schemes
The schemes under FIF have been categorized into three broad groups viz. (i) Standard Schemes on Tap (ii) Special Projects and (iii) Government Schemes. 
3.1 Standard Schemes on Tap
There are fourteen schemes in this group, which will be available on tap. However, projects sanctioned under these schemes will have a specific implementation period from the respective date of sanction. These schemes cover activities such as financial literacy, banking technology adoption, regulatory and connectivity & power infrastructure. The details of these schemes are furnished in Annexure II. 
3.2 Special Projects
Special Projects are ‘pilot projects’ which are sanctioned on a project basis and have project specific objectives and outcomes. The pilot projects sanctioned earlier such as Bank Sakhi, Training for BC, CFL etc. and some projects that have balance sanctioned commitments have been grouped under this category. 
3.3 Government Schemes
Government Schemes, as and when required, will be implemented by NABARD, Head Office. At present support for establishment of Aadhaar Enrolment and Update Centres (AECs) and 20 lakh BHIM Aadhaar Pay Devices is available upto 30 September 2019 for assistance.
4. Approach to FI
To achieve the goals of this differentiated strategy, banks need to adopt a scientific process for identification of area, do proper planning, submit proposal to NABARD, Regional Office for sanction and effectively implement schemes, monitor the outcomes and claim eligible expenditure from NABARD, Regional Office.  All banks are requested to plan their requirements for financial literacy and inclusion infrastructure assistance from FIF, in both physical as well as financial terms and ensure that these are in sync with Financial Inclusion Plans of the bank, Gram Panchayat Development Plan, and the State’s preference for backward districts as well as blocks.  To enable this, it has been decided that from the current year onwards all banks including the Scheduled Commercial Banks will submit the proposals under FIF to the respective Regional Offices of NABARD (subject to certain exceptions), to enable better control on state-wise implementation of the schemes with better monitoring of desired outcomes.
5. Monitoring 
The implementation of projects sanctioned under FIF will be monitored by NABARD, RO on a quarterly basis and feedback shared in SLBC fora, besides undertaking visits and studies. Further, it is also decided that ex-post evaluation of all schemes where financial support of more than Rs.25 crore has been sanctioned and released will be conducted by NABARD through a third party.
6.  Proposal
6.1 Project proposal and claim formats for submission have been simplified and are enclosed. (Annexures III and IV). 
6.2 This circular will come into effect from the date of issue and the revised norms for these schemes will be applicable replacing the earlier ones. All ongoing projects, sanctioned prior to the date of this circular will continue to be governed by terms and conditions as sanctioned.  These will get closed on completion and clarification, if any in this regard may be sought from the concerned sanctioning office.
Yours faithfully
(L.R. Ramachandran)
Chief General Manager
I. List of SFDs
II. Standard Schemes on Tap
III. Proposal Format
IV. Claim Format
Annexure I
Summary of Special Focus Districts for Differentiated Intervention
Sl No Name of the State Total No of SF districts No of Aspirational districts No of LWE districts No of NER districts No of Hill State districts
1 Andaman & Nicobar 3 3  
2 Andhra Pradesh 7 3 6  
3 Arunachal Pradesh 25 1 25  
4 Assam 33 7 33  
5 Bihar 23 13 16  
6 Chhattisgarh 15 10 14  
7 Gujarat 2 2  
8 Haryana 1 1  
9 Himachal Pradesh 12 1 11
10 Jammu & Kashmir 22 2 22
11 Jharkhand 24 19 19  
12 Karnataka 2 2  
13 Kerala 3 1 3  
14 Madhya pradesh 10 8 2  
15 Maharashtra 6 4 3  
16 Manipur 16 1 16  
17 Meghalaya 12 1 11  
18 Mizoram 8 1 8  
19 Nagaland 11 1 11  
20 Odisha 19 10 15  
21 Punjab 2 2  
22 Rajasthan 5 5  
23 Sikkim 4 1 4
24 Tamilnadu 2 2  
25 Telangana 10 3 8  
26 Tripura 8 1 8  
27 Uttar Pradesh 9 8 3  
28 Uttarakhand 13 2 13
29 West Bengal 6 5 1  
  Grand Total 313 117 90 115 50
Statewise Special Focus Districts (SFDs)
Sl No Name of the State Name of the district Aspirational LWE NER Hill States
1 Andaman & Nicobar Nicobar NER  
2 Andaman & Nicobar North and Middle Andaman NER  
3 Andaman & Nicobar South Andaman NER  
4 Andhra Pradesh Visakhapatnam Aspirational LWE  
5 Andhra Pradesh Vizianagaram Aspirational LWE  
6 Andhra Pradesh East Godavari LWE  
7 Andhra Pradesh Guntur LWE  
8 Andhra Pradesh Srikakulam LWE  
9 Andhra Pradesh West Godavari LWE  
10 Andhra Pradesh YSR Kadapa Aspirational  
11 Arunachal Pradesh Namsai Aspirational NER  
12 Arunachal Pradesh Anjaw NER  
13 Arunachal Pradesh Changlang NER  
14 Arunachal Pradesh Dibang Valley NER  
15 Arunachal Pradesh East Kameng NER  
16 Arunachal Pradesh East Siang NER  
17 Arunachal Pradesh Kamle NER  
18 Arunachal Pradesh Kra Daadi NER  
19 Arunachal Pradesh Kurung Kumey NER  
20 Arunachal Pradesh Lepa-Rada NER  
21 Arunachal Pradesh Lohit NER  
22 Arunachal Pradesh Longding NER  
23 Arunachal Pradesh Lower Dibang Valley NER  
24 Arunachal Pradesh Lower Siang NER  
25 Arunachal Pradesh Lower Subansiri NER  
26 Arunachal Pradesh Pakke-Kessang NER  
27 Arunachal Pradesh Papum Pare NER  
28 Arunachal Pradesh Shi-Yomi NER  
29 Arunachal Pradesh Siang NER  
30 Arunachal Pradesh Tawang NER  
31 Arunachal Pradesh Tirap NER  
32 Arunachal Pradesh Upper Siang NER  
33 Arunachal Pradesh Upper Subansiri NER  
34 Arunachal Pradesh West Kameng NER  
35 Arunachal Pradesh West Siang NER  
36 Assam Baksa Aspirational NER  
37 Assam Barpeta Aspirational NER  
38 Assam Darrang Aspirational NER  
39 Assam Dhubri Aspirational NER  
40 Assam Goalpara Aspirational NER  
41 Assam Hailakandi Aspirational NER  
42 Assam Udalguri Aspirational NER  
43 Assam Biswanath NER  
44 Assam Bongaigaon NER  
45 Assam Cachar NER  
46 Assam Charaideo NER  
47 Assam Chirang NER  
48 Assam Dhemaji NER  
49 Assam Dibrugarh NER  
50 Assam Dima Hasao NER  
51 Assam Golaghat NER  
52 Assam Hojai NER  
53 Assam Jorhat NER  
54 Assam Kamrup NER  
55 Assam Kamrup Metropolitan NER  
56 Assam Karbi Anglong NER  
57 Assam Karimganj NER  
58 Assam Kokrajhar NER  
59 Assam Lakhimpur NER  
60 Assam Majuli NER  
61 Assam Morigaon NER  
62 Assam Nagaon NER  
63 Assam Nalbari NER  
64 Assam Sivasagar NER  
65 Assam Sonitpur NER  
66 Assam South Salmara-Mankachar NER  
67 Assam Tinsukia NER  
68 Assam West Karbi Anglong NER  
69 Bihar Aurangabad Aspirational LWE  
70 Bihar Banka Aspirational LWE  
71 Bihar Gaya Aspirational LWE  
72 Bihar Jamui Aspirational LWE  
73 Bihar Muzaffarpur Aspirational LWE  
74 Bihar Nawada Aspirational LWE  
75 Bihar Araria Aspirational  
76 Bihar Begusarai Aspirational  
77 Bihar Katihar Aspirational  
78 Bihar Khagaria Aspirational  
79 Bihar Purnia Aspirational  
80 Bihar Sheikhpura Aspirational  
81 Bihar Sitamarhi Aspirational  
82 Bihar Arwal LWE  
83 Bihar East Champaran LWE  
84 Bihar Jehanabad LWE  
85 Bihar Kaimur LWE  
86 Bihar Lakhisarai LWE  
87 Bihar Munger LWE  
88 Bihar Nalanda LWE  
89 Bihar Rohtas LWE  
90 Bihar Vaishali LWE  
91 Bihar West Champaran LWE  
92 Chhattisgarh Bastar Aspirational LWE  
93 Chhattisgarh Bijapur Aspirational LWE  
94 Chhattisgarh Dantewada Aspirational LWE  
95 Chhattisgarh Kanker Aspirational LWE  
96 Chhattisgarh Kondagaon Aspirational LWE  
97 Chhattisgarh Mahasamund Aspirational LWE  
98 Chhattisgarh Narayanpur Aspirational LWE  
99 Chhattisgarh Rajnandgaon Aspirational LWE  
100 Chhattisgarh Sukma Aspirational LWE  
101 Chhattisgarh Korba Aspirational  
102 Chhattisgarh Balrampur LWE  
103 Chhattisgarh Balod LWE  
104 Chhattisgarh Dhamtari LWE  
105 Chhattisgarh Gariyabad LWE  
106 Chhattisgarh Kabirdham LWE  
107 Gujarat Dahod Aspirational  
108 Gujarat Narmada Aspirational  
109 Haryana Mewat Aspirational  
110 Himachal Pradesh Chamba Aspirational Hill State
111 Himachal Pradesh Bilaspur  
112 Himachal Pradesh Hamirpur Hill State
113 Himachal Pradesh Kangra Hill State
114 Himachal Pradesh Kinnaur Hill State
115 Himachal Pradesh Kullu Hill State
116 Himachal Pradesh Lahaul and Spiti Hill State
117 Himachal Pradesh Mandi Hill State
118 Himachal Pradesh Shimla Hill State
119 Himachal Pradesh Sirmaur Hill State
120 Himachal Pradesh Solan Hill State
121 Himachal Pradesh Una Hill State
122 Jammu & Kashmir Baramulla Aspirational Hill State
123 Jammu & Kashmir Kupwara Aspirational Hill State
124 Jammu & Kashmir Anantnag Hill State
125 Jammu & Kashmir Bandipore Hill State
126 Jammu & Kashmir Budgam Hill State
127 Jammu & Kashmir Doda Hill State
128 Jammu & Kashmir Ganderbal Hill State
129 Jammu & Kashmir Jammu Hill State
130 Jammu & Kashmir Kargil Hill State
131 Jammu & Kashmir Kathua Hill State
132 Jammu & Kashmir Kishtwar Hill State
133 Jammu & Kashmir Kulgam Hill State
134 Jammu & Kashmir Leh Hill State
135 Jammu & Kashmir Poonch Hill State
136 Jammu & Kashmir Pulwama Hill State
137 Jammu & Kashmir Rajouri Hill State
138 Jammu & Kashmir Ramban Hill State
139 Jammu & Kashmir Reasi Hill State
140 Jammu & Kashmir Samba Hill State
141 Jammu & Kashmir Shopian Hill State
142 Jammu & Kashmir Srinagar Hill State
143 Jammu & Kashmir Udhampur Hill State
144 Jharkhand Bokaro Aspirational LWE  
145 Jharkhand Chatra Aspirational LWE  
146 Jharkhand Dumka Aspirational LWE  
147 Jharkhand Garhwa Aspirational LWE  
148 Jharkhand Giridih Aspirational LWE  
149 Jharkhand Gumla Aspirational LWE  
150 Jharkhand Hazaribagh Aspirational LWE  
151 Jharkhand Khunti Aspirational LWE  
152 Jharkhand Latehar Aspirational LWE  
153 Jharkhand Lohardaga Aspirational LWE  
154 Jharkhand Palamu Aspirational LWE  
155 Jharkhand Ramgarh Aspirational LWE  
156 Jharkhand Ranchi Aspirational LWE  
157 Jharkhand Simdega Aspirational LWE  
158 Jharkhand Godda Aspirational  
159 Jharkhand Pakur Aspirational  
160 Jharkhand Pashchimi Singhbhum Aspirational  
161 Jharkhand Purbi Singhbhum Aspirational  
162 Jharkhand Sahibganj Aspirational  
163 Jharkhand Dhanbad LWE  
164 Jharkhand East Singhbhum LWE  
165 Jharkhand Koderma LWE  
166 Jharkhand Saraikela-Kharaswan LWE  
167 Jharkhand West Singhbhum LWE  
168 Karnataka Raichur Aspirational  
169 Karnataka Yadgir Aspirational  
170 Kerala Wayanad Aspirational LWE  
171 Kerala Malappuram LWE  
172 Kerala Palakkad LWE  
173 Madhya pradesh Barwani Aspirational  
174 Madhya pradesh Chhatarpur Aspirational  
175 Madhya pradesh Damoh Aspirational  
176 Madhya pradesh Guna Aspirational  
177 Madhya pradesh Khandwa Aspirational  
178 Madhya pradesh Rajgarh Aspirational  
179 Madhya pradesh Singrauli Aspirational  
180 Madhya pradesh Vidisha Aspirational  
181 Madhya Pradesh Balaghat LWE  
182 Madhya Pradesh Mandla LWE  
183 Maharashtra Gadchiroli Aspirational LWE  
184 Maharashtra Nandurbar Aspirational  
185 Maharashtra Osmanabad Aspirational  
186 Maharashtra Washim Aspirational  
187 Maharashtra Chandrapur LWE  
188 Maharashtra Gondia LWE  
189 Manipur Chandel Aspirational NER  
190 Manipur Bishnupur NER  
191 Manipur Churachandpur NER  
192 Manipur Imphal East NER  
193 Manipur Imphal West NER  
194 Manipur Jiribam NER  
195 Manipur Kakching NER  
196 Manipur Kamjong NER  
197 Manipur Kangpokpi NER  
198 Manipur Noney NER  
199 Manipur Pherzawl NER  
200 Manipur Senapati NER  
201 Manipur Tamenglong NER  
202 Manipur Tengnoupal NER  
203 Manipur Thoubal NER  
204 Manipur Ukhrul NER  
205 Meghalaya Ribhoi Aspirational  
206 Meghalaya East Garo Hills NER  
207 Meghalaya East Jaintia Hills NER  
208 Meghalaya East Khasi Hills NER  
209 Meghalaya North Garo Hills NER  
210 Meghalaya Ri Bhoi NER  
211 Meghalaya South Garo Hills NER  
212 Meghalaya South West Garo Hills NER  
213 Meghalaya South West Khasi Hills NER  
214 Meghalaya West Garo Hills NER  
215 Meghalaya West Jaintia Hills NER  
216 Meghalaya West Khasi Hills NER  
217 Mizoram Mamit Aspirational NER  
218 Mizoram Aizawl NER  
219 Mizoram Champhai NER  
220 Mizoram Kolasib NER  
221 Mizoram Lawngtlai NER  
222 Mizoram Lunglei NER  
223 Mizoram Saiha NER  
224 Mizoram Serchhip NER  
225 Nagaland Kiphire Aspirational NER  
226 Nagaland Dimapur NER  
227 Nagaland Kohima NER  
228 Nagaland Longleng NER  
229 Nagaland Mokokchung NER  
230 Nagaland Mon NER  
231 Nagaland Peren NER  
232 Nagaland Phek NER  
233 Nagaland Tuensang NER  
234 Nagaland Wokha NER  
235 Nagaland Zunheboto NER  
236 Odisha Kalahandi Aspirational LWE  
237 Odisha Kandhamal Aspirational LWE  
238 Odisha Koraput Aspirational LWE  
239 Odisha Malkangiri Aspirational LWE  
240 Odisha Nuapada Aspirational LWE  
241 Odisha Rayagada Aspirational LWE  
242 Odisha Balangir Aspirational  
243 Odisha Dhenkanal Aspirational  
244 Odisha Gajapati Aspirational  
245 Odisha Nawarangpur Aspirational  
246 Odisha Angul LWE  
247 Odisha Bargarh LWE  
248 Odisha Bolangir LWE  
249 Odisha Boudh LWE  
250 Odisha Deogarh LWE  
251 Odisha Nabrangpur LWE  
252 Odisha Nayagarh LWE  
253 Odisha Sambhalpur LWE  
254 Odisha Sundargarh LWE  
255 Punjab Firozpur Aspirational  
256 Punjab Moga Aspirational  
257 Rajasthan Baran Aspirational  
258 Rajasthan Dholpur Aspirational  
259 Rajasthan Jaisalmer Aspirational  
260 Rajasthan Karauli Aspirational  
261 Rajasthan Sirohi Aspirational  
262 Sikkim West Sikkim Aspirational Hill State
263 Sikkim East Sikkim Hill State
264 Sikkim North Sikkim Hill State
265 Sikkim South Sikkim Hill State
266 Tamilnadu Ramanathapuram Aspirational  
267 Tamilnadu Virudhunagar Aspirational  
268 Telangana Khammam Aspirational LWE  
269 Telangana Asifabad Aspirational  
270 Telangana Bhopapalli Aspirational  
271 Telangana Adilabad LWE  
272 Telangana Bhadradri-Kothagudem LWE  
273 Telangana Jayashanker-Bhupalpally LWE  
274 Telangana Komaram-Bheem LWE  
275 Telangana Mancherial LWE  
276 Telangana Peddapalle LWE  
277 Telangana Warangal Rural LWE  
278 Tripura Dhalai Aspirational NER  
279 Tripura Gomati NER  
280 Tripura Khowai NER  
281 Tripura North Tripura NER  
282 Tripura Sepahijala NER  
283 Tripura South Tripura NER  
284 Tripura Unokoti NER  
285 Tripura West Tripura NER  
286 Uttar Pradesh Balrampur Aspirational  
287 Uttar Pradesh Chandauli Aspirational LWE  
288 Uttar Pradesh Sonebhadra Aspirational LWE  
289 Uttar Pradesh Bahraich Aspirational  
290 Uttar Pradesh Chitrakoot Aspirational  
291 Uttar Pradesh Fatehpur Aspirational  
292 Uttar Pradesh Shrawasti Aspirational  
293 Uttar Pradesh Siddharthnagar Aspirational  
294 Uttar Pradesh Mirzapur LWE  
295 Uttarakhand Haridwar Aspirational Hill State
296 Uttarakhand Udham Singh Nagar Aspirational Hill State
297 Uttarakhand Almora Hill State
298 Uttarakhand Bageshwar Hill State
299 Uttarakhand Chamoli Hill State
300 Uttarakhand Champawat Hill State
301 Uttarakhand Dehradun Hill State
302 Uttarakhand Nainital Hill State
303 Uttarakhand Pauri Garhwal Hill State
304 Uttarakhand Pithoragarh Hill State
305 Uttarakhand Rudraprayag Hill State
306 Uttarakhand Tehri Garhwal Hill State
307 Uttarakhand Uttarkashi Hill State
308 West Bengal Birbhum Aspirational  
309 West Bengal Dakshin Dinajpur Aspirational  
310 West Bengal Maldah Aspirational  
311 West Bengal Murshidabad Aspirational  
312 West Bengal Nadia Aspirational  
313 West Bengal Jhargram LWE  
Annexure II
Financial Inclusion Fund: Standard Schemes on Tap
SN Scheme for Support towards Activities Eligible Banks Support (Maximum Amount and Unit)
1 2 3 4 5
I. Financial Literacy Programmes
1. Financial and Digital Literacy Camps by  branches of banks Conduct of literacy programmes on various topics and target groups in Rural areas i. Branches of SCB (including SFB & PB) 
ii. RRB iii. RCB a. SFD: 
Rs.6,000/- per camp 
b. Other districts: Rs.5,000/- per camp 
Unit: Number of camps
2. Financial and digital literacy camps through FLCs Conduct of literacy camps on various topics to specific target groups through FLCs i. RRB
ii. RCB a. SFD: 
Rs.6,000/- per camp
b. Other districts: Rs.5,000/- per camp
Unit: Number of camps 
3. Reimbursement of Examination fee of BC/BF Examination Fee of BCs/BFs who pass the certification exam of IIBF i. SCB (including SFB & PB) 
ii. RRB iii. RCB SFD and Other districts alike: Rs.800/- per BC/ BF
Unit: number of BCs/ BFs 
4. Demonstration Van for Financial Literacy Capital expenses incurred on Operationalization of mobile demonstration van – components may include Display panel, ATM, microATM, GPRS Router, UPS, PoS, VSAT, etc. and printed financial literacy material in vernacular language. 
i. RRB
ii. RCB SFD: Rs.15 lakh per Demo van. 
One per district (on selective basis) and maximum 3 Demo vans per bank
Unit: Demonstration Van
II. Banking Technology Adoption Schemes
5. microATM Deployment Deployment locations of microATMs:
i. SCBs: Schools and colleges in SFDs. Milk Societies in all districts.
ii. RRBs: Schools and colleges in SFDs. Fixed BC points, branches, Milk Societies in all districts.
iii. RCBs: Branches, PACS/Milk Societies/other non-credit societies. i. SCB (including SFB & PB)
ii. RRB
iii. RCB   a. SFD: Rs.22,500/- per device
  b. Other districts: 
a. SCB: Rs.15,000/-per device
b. RRB:Rs.20,000/- per device
c. RCB:Rs.22,500/- per device
Unit: Number of microATMs
6. POS/ mPOS Deployment Deployment of PoS/ mPoS terminals in Tier 3 to Tier 6 centres i. SCB (including SFB & PB)
ii. RRB
iii. RCB 
SFD and Other districts alike: Rs.6,000/- per device
Unit: number of POS/ mPOS
7. Dual Authentication Implementation
(Note: Proposal to be submitted to NABARD, HO by SCBs) Enabling Dual Authentication feature in microATMs at BC locations by development of software patch and its installation on microATMs, including expenses incurred at Switch/ CBS level.
i. SCB (including SFB & PB)
ii. RRB
SFDs and Other districts alike:
a. SCBs: Rs. 7 lakh  per TSP, for maximum of 3 microATM TSPs per bank
b. RRBs: Rs. 7 lakh per TSPs, for maximum of 2 microATM TSPs per bank
Unit: Number of microATM TSPs
8. Onboarding BHIM UPI Cost of software development and implementation for 
on-boarding to BHIM UPI with security audit and maintenance for three years. i. RRB 
ii. RCB SFDs and Other districts alike: 
Rs.5 lakh per bank
Unit: One per bank
9. Onboarding PFMS Software development and implementation cost towards on-boarding to PFMS i. RCB SFDs and Other districts alike: Rs.2.75 lakh per bank
Unit: One per bank
III. Regulatory Infrastructure Support
10. AUA/KUA Membership i. StCB and RRB: 
Either AUA/KUA Membership or 
      Sub AUA/KUA membership
ii. DCCB 
Sub AUA/KUA membership
i. RRB
ii. RCB 
SFDs and Other districts alike: 
a. AUA/KUA -Rs.25 lakh per bank 
b. Sub-AUA /KUA – 
Rs. 5 lakh per bank
Unit: One per bank
a) 11. Onboarding CKYCR Expenses incurred on: 
i. Hardware and Software for CKYCR – PC, Scanner, Biometric device, modem, etc. 
ii. Internet Connectivity charges , data uploading and AMC charges for one year. i. RRB
ii. RCB 
b) SFDs and Other districts alike:
a. RCB: Rs.4 lakh per bank
b. RRB: Rs.3.60 lakh per bank
Unit: One per bank
IV. Support for Connectivity and Power Infrastructure
12. VSAT Deployment Installation of VSAT in  Sub-Service Area (SSA) of the Bank for
i. Kiosk/Fixed CSP
ii. New branches opened i. SCB (including SFB & PB)
ii. RRB
iii. RCB Only in SFD:
Rs.3 lakh per unit
Unit: No. of VSAT
13. Mobile Signal Booster Deployment Installation of Mobile Signal Booster in  SSA of the Bank for
a. Kiosk/Fixed CSP
b. New branches opened i. SCB (including SFB & PB)
ii. RRBiii. RCB Only in SFD:
Rs.6,000/- per unit
Unit: No. of  Mobile Signal Booster
14. Solar power unit/ UPS Deployment Installation of solar power / UPS in  SSA of the Bank for
a. Kiosk/Fixed CSP
b. New branches opened i. SCB (including SFB & PB)
ii. RRBiii. RCB Only in SFD:
Rs.1 lakh per unit 
Unit: No. of  solar power / UPS units
Note: The grant support for SFDs is 90% of the eligible expenditure incurred by the implementing bank. For other districts and for projects applicable to SFD and other districts alike, grant support is 60%, 80% and 90% of eligible expenditure for SCBs, (including SFBs and PBs), RRBs and RCBs respectively.
Annexure III
(On the Letter Head of the Bank)
The Chief General Manager
…………..Regional Office
Madam/ Dear Sir,
Financial Inclusion Fund (FIF) – 
Request for Sanction of Grant Assistance for ……..
With reference to the Circular No.      / DFIBT -      / 2019 dated          on the above subject, we seek sanction of grant assistance of Rs._______________ (Rupees ---------------only) under FIF. The project proposal indicating the details of the activity, area of operation, implementation methodology, monitoring mechanism, outcome envisaged etc. is furnished in Appendix- 1. 
Authorised Signatory
Address and Contact No.
Encl.: as above 
Appendix 1
Project Proposal for ………….. (purpose)
The existing Financial Inclusion (FI) status in the project area, the technological status of the Bank and indicate the need of undertaking the project.
2. Approach to FI
The approach planned to fill in the identified gap: physical and financial, with annual phasing.
3. Geographical Area
The name/s of District/Block/Village where the FI initiatives are planned or which will be benefitted by these initiatives. 
4. Implementation Period
The overall period with activity wise break up to complete the project.  The activities for which support has been sought will be governed by the existing guidelines.
5. Support sought under FIF
Out of various activities identified at (2) above, the support sought out of FIF for the following scheme/s: 
S No. Name of Scheme/s No. of units for SFDs No. of  units for Others* Unit rate
(Rs.)# Total Financial Outlay (Rs.) Eligible Amount for support Remarks
(a) (b) (c) (d) (e) (f=d x e) (g)
* In case of bank specific schemes like PFMS the units may be indicated in column (d). 
#If there are more than one unit rate in any scheme a separate entry may be made for each unit rate.
6. Outcome
The outcome for each of the activity and overall outcome of the projects indicating the benefits accruing to the Bank/Customers /other stakeholders, covering those indicated in sanction letter.
7. Monitoring
Monitoring, evaluating and reporting mechanism envisaged for effective implementation of the project.
Annexure IV
(On the Letter Head of the Bank)
The Chief General Manager
…………..Regional Office
Madam/ Dear Sir,
Grant assistance under Financial Inclusion Fund – Request for Claim 
Please refer to the sanction letter no. _____ dated ____ sanctioning an amount of Rs.________(Rupees____________ only). We request you to reimburse an amount of Rs.________ (Rupees__________ only) towards the following scheme/s:
SN Name of Scheme No. of units for SFDs No. of  units for Others* Unit rate
(Rs.)# Total Expenditure (Rs.)
(Net of ITC)@ Amount Claimed (as per Eligibility) (Rs.) Remarks
(a) (b) (c) (d) (e) (f=d x e-ITC) (g) (h)
* In case of bank specific schemes like PFMS the units may be indicated in column (d). 
#If there are more than one unit rate in any scheme a separate entry may be made for each unit rate.
@ITC = Input Tax credit received/receivable against GST.
2. The Terms and Conditions of the sanction letter in reference are accepted/ have been accepted vide our letter no._________ dated _________ and have been adhered to. Details of the claim as per format prescribed in the sanction letter are attached herewith at Annexure _____. 
3.   We have implemented the project and have achieved the following outcomes:
The outcome along with the district wise location details for each of the activity and overall outcome of the projects indicating the benefits accruing to the Bank/Customers /other stakeholders may be mentioned.
Yours faithfully 
Authorized Signatory 
Address and Contact No.