haqdarshak login|haqdarshak app download|haqdarshak yojana card|haqdarshak founder|haqdarshak contact number|haqdarshak registration:For-profit social enterprise Haqdarshak, which provides access to government welfare schemes to small businesses and individuals, on Monday announced Yojana card for small businesses and informal workers. The first-of-its-kind physical card will help its users discover and access government and private welfare services via assisted or self-service channels. The card aims to get 400 million informal workers and 50 million micro enterprises into the social welfare and financial inclusion net.
The card stores required information about the individual and company to be eligible for various services. While the self-service channel allows users to access schemes via a QR code, through the assisted-technology model, the company is aiming to tap feature phone and smartphone users through its network of over 20,000 field agents, predominantly women, who earn an income from the service delivery.
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The Indian government has many social benefit schemes for the underprivileged. However, a vast section of the intended beneficiaries are unaware of such schemes, and a majority of those who are aware are unable to access them due to roadblocks like lack of documentation and an inability to submit the documents.
Moreover, many such beneficiaries of pension schemes, scholarship schemes, health insurance and others reside in remote areas of this vast country. Bringing them into the fold by aiding people with Aadhar cards; micro SMEs with Udyog Aadhar; easing access to widow pension and more are the pain points that a startup, Haqdarshak, wants to solve. It made its pitch on Shark Tank India Season 2 this week.
In 2016, Aniket Doegar, who has ample exposure to rural India via his work and interests, started Haqdarshak in Pune. It has positioned itself as a “next-gen, for-profit startup focused on social impact” and has a mobile and web platform. It claims to have served over 25 lakh customers and 50,000 micro-businesses and trained 25,000 agents.
The card will primarily target low-income families, who earn less than Rs 1,000 per day, especially construction workers, factory workers, sanitation workers, gig economy workers, and street vendors, apart from micro-businesses with an annual turnover of less than Rs 10 lakh.
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Haqdarshak trains its agents to provide what it calls ‘last-mile’ assistance. Agents organise community gatherings or go door-to-door to educate people about the available schemes. They also assist them in availing the schemes.An agent registers a family or individual on the Haqdarshak app and gathers information regarding their housing conditions, income, religion, caste, etc. Once the questions (40-45) are answered, the app shares the number of eligible welfare schemes.
As per Doegar, the average number of schemes available to beneficiaries in rural India are between 50-55, while in urban India that number falls to 35-40. A customer is charged a nominal amount of ₹50 rupees (without GST) as a service charge, which is split between the agent and the company. An agent earns anywhere between ₹20,000 to ₹25,000 per month.
Who is the card for?
Individuals with an irregular household income of less than INR 20,000 a month. This includes:
- Construction workers
- Sanitation workers
- Domestic workers
- Gig-economy fleet workers
- Truck drivers
- Factory workers
- Other daily wage earners
Nano and micro businesses with a turnover of less than INR 10,00,000 a year. This includes
- Street vendors
- Kirana stores
What can you do with the card?
The cardholder:
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- will get a physical card with a unique QR code
- will get screened to identify the schemes they’re eligible for (they will be given a PDF with a list)
- can scan the QR code on the card using their smartphone and view their scheme list whenever they want (no app download needed)
- can also keep updating their information to identify new schemes themselves (no agent needed)
- can easily know which documents are needed for their applications
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