Before the start of my 2nd twelvemonth of PGDBM, I got an chance to hold a corporate exposure at ICICI regional bank. In add-on to this exposure, it besides allowed to implement some of our class larning to existent concern universe state of affairss. My internship with ICICI regional bank started on 28th June and extended boulder clay 9th August. ICICI Bank is India ‘s second-largest bank with entire assets of Rs. 3,634.00 billion ( US $ 81 billion ) at March 31, 2010. The Bank has a diverse web of 2,016 subdivisions and about 5,219 ATMs in India and presence in 18 states. They offer a broad scope of banking merchandises & A ; fiscal services to corporate and retail clients through a assortment of bringing channels ( www.icicibank.com ) .
At my really first twenty-four hours, I got the chance to speak to some of the senior directors at my office, and they suggested me that I should see the working on their different sections and so choose my section after one hebdomad. During this hebdomad, I interacted with about every section forces. They told me what their general twenty-four hours is like and what they do and how their portion is of import for accomplishing company ‘s strategic ends. In my 2nd hebdomad, I chose authorities banking group of ICICI bank, which comes under corporate banking group.
Government Banking Group of ICICI bank offers world-class banking services leveraging on province of art engineering platform and to run into complete fiscal demands of the authorities and its enterprises.A Their purpose is to pry their advanced engineering platform and ability to present customized solutions to run into the specific demands of each and every client & A ; emerge as the preferable banker for all authorities sections and corporations. ( www.icicibank.com )
My wise man Mr.H ; relationship director at the same section, gave me an overview about their section and how the maps. In my 2nd hebdomad of working as a direction trainee to GBG, he assigned me a unrecorded summer internship undertaking, where I was required to reach authorities governments, which were falling under national E-governance program and offer them our bank services.
Route map of my undertaking
E-GOVERANCE: Foundation for better and acceptable establishment mechanism
“ Use e-governance to contend corruptness ” – Kalam
E-government is the usage of information and communicating engineering ( ICT ) to advance more efficient and cost-efficient authorities, more convenient authorities services, greater public entree to information, and more authorities answerability to citizens ( www.adb.org ) . It goes beyond supplying proviso of online services and besides, covers the usage of IT for strategic planning and making authorities ‘s development ends.
It is a manner by which authoritiess use the new engineerings to supply people with more convenient and dependable entree to authorities information and services, to better the quality of the services and besides, supplying greater chances to take part in democratic establishments and procedures. “ E-Government provides with some enormous chances to travel frontward in the twenty-first century with better quality, cost-efficient, authorities services and a better relationship between citizens and their authorities. ”
( Aggarwal, mittal et Al, 2007 )
“ E-Governance is no longer an Option – It is a world and a necessity of Governance ” – S. Lakshminarayanan
E-Governance & A ; Its relevancy
“ One chink is deemed good plenty to cut the much-dreaded Indian red-tape to tear up. Another one takes the air current out of all those touts hanging around public offices. Public answerability and antiphonal services seem all of a sudden merely a blip manner. ” ( www.dqindia.ciol.com )
Good administration is based on the premiss that the Torahs and processs are crystalline, clearly defined & A ; understood by those governed and the execution is besides speedy without any hurdlings. However, the administration in a underdeveloped state like ours is a challenge, as bulk of the governed ( citizens ) are educationally & amp ; socio-economically challenged. Furthermore in developing states, the authoritiess are formed through democratic agencies, the challenge of administration is much larger as the governors themselves are at times non really clear about the assorted regulations and processs. Besides, at times, the regulations and processs are explicitly defined in the fundamental law or legislative acts, but they themselves creates hinderances in the way of administration due to miss of procedural lucidities. In such a province, the reply lies in supplying a mechanism that is speedy, synergistic, transparent and has a clear depository of regulations and ordinances, which provide support in determination devising for both the governors and the governed and this mechanism is e- administration, supplying the benefit of being clear cut, transparent, synergistic, easy to implement and taking to supply solution in the quickest possible clip frame.
E-Governance, at land degree will provides three basic alteration potencies for good administration for development:
1. Automation: Replacement ( at least, to some extent ) current human-executed procedures, which involve accepting, hive awaying, processing and conveying information.
2. Informatisation: Supporting current human-executed information procedures.
3. Transformation: Supporting new human-executed information procedures.
These alteration potencies, in bend, can convey five chief benefits to governance for development:
Administration that is cheaper: Producing the same end products at lower sum cost.
Administration that does more: Producing more end products at the same entire cost.
Administration that is quicker: Producing the same end products at the same entire cost in less clip.
Administration that works better: Producing the same end products at the same entire cost in the same clip, but to a higher choice criterion.
Administration that is advanced: Producing new end products.
The Global displacement towards increased deployment of IT ( Information engineering ) by authoritiess emerged in the 1890ss, with the coming of World Wide Web. The e-governance enterprises have come a long manner since so. With the addition usage of cyberspace and nomadic connexions, the people are larning to work new manner of entree in broad runing ways. Today coevals expect more information and services to be available online from authorities organisations to foster their civic and professional lives, therefore making abundant grounds that the new ‘e-citizenship ‘ is taking clasp.
E-governance originated in India during the 1970ss with a focal point on developing in- house authorities applications in the country of defense mechanism, economic monitoring, planning and the utilizing IT to pull off informations intensive maps related to elections, nose count, revenue enhancement disposal etc. The attempts of National Informatics Center ( NIC ) to link all the territory central office during the 1880ss led to a important development in this field. During early 1890ss, IT technologies were supplemented with ICT engineerings, for wider sectoral applications.Primarily the accent has been on mechanization and cybernation, the province authoritiess have besides endeavoured to utilize ICT tools into connectivity, networking, puting up systems for treating information and delivering services.
At a micro degree, it ranges from IT mechanization in single sections, electronic file handling, and entree to entitlements, public grudge systems, service bringing for high volume everyday minutess like payment of measures, revenue enhancement etc. The push has varied across enterprises, while some concentrating on enabling citizen-state interface for assorted authorities services, and others concentrating on breaking supports.
E -Goverance Intiatives in India
“ The impression of e-governance has its roots in efforts in many states to ‘modernise ‘ authorities in response to perceived citizen dissatisfaction or detachment. “ ( Sihna, 2006 )
India is a underdeveloped state with a population of about 1.2 billion spread over 28 geographically uneven provinces. Interestingly, transparence and citizen-centric authorities, expected wide result of e-Governance, is non new to India. The stone edicts of Emperor Ashoka, 3 Century BC provides an first-class illustration of this interface – unambiguous and
Crystalline authorities information was available at public topographic point for people convenience.
In most of the provinces in the India, people speak different linguistic communications and idioms ; holding changing literacy degrees and distinguishable socio-cultural attitudes that have affected non merely economic advancement, but besides our legislative assembly. “ However, over and above, these disconnected population, there is an overlying bed of information engineering professionals or ‘knowledge workers ‘ , who seem to hold indirectly pioneered e-Governance enterprises. “ ( Aggarwal, mittal et Al, 2007 )
The Central and State disposals, ports, imposts, public revenue enhancement system and instruction system of our state has been innovators in e-Governance India. A figure of province authoritiess has already implemented e-Governance enterprises, which are aimed at being cost effectual, while offering assorted installations to citizens.
National E-Governance program
The Government of India ( GOI ) has formulated a national plan – the National e-governance Plan, which is an effort to cover all the of import countries associating to e-Governance – Policy, Infrastructure, Finances, Project Management, Government Process, Finances, Reengineering, Capacity Building, Training, Assessment etc. across the Central and State Governments.
The program seeks to put the foundation and supply the drift for long-run growing of e-Governance. Their program seeks to make the right administration and institutional mechanisms, puting up the nucleus substructure and policies and implement a figure of Mission Mode Projects at the Centre, province and incorporate service degrees to make a citizen-centric and business-centric environment for administration.
The vision of this program is to do certain that all Government services are accessible to the common adult male in his/her vicinity through common service bringing mercantile establishments. “ The execution scheme envisages clear definition of service ends and prosodies for each undertaking and structured stakeholder audiences with all stakeholders including citizens and civil society organisations before the service ends of each undertaking are firmed up. “ ( Das & A ; Chandrashekhar,2007 ) .
( Beginning: Das & A ; Chandrashekhar,2007 )
The above diagram give E-Governance model that includes back-end ( databases of different authorities bureaus, service suppliers, province authoritiess etc. ) , middleware and front-end bringing channels ( Personal computers, nomadic phones, booths, integrated service centres etc ) for citizens and businesses.The middle-ware comprises of communicating and security substructure, gateways and incorporate services, aimed at easing integrating of inter-departmental services.
Challenges of e-Governance in India
“ Sharma ( 2002 ) points out that the civilization of administration in India has been characterized by secretiveness, senior status and corruptness. These demand to be addressed with a retribution if the expansive vision of e-Governance across India has to go a world ” ( Agarwal & A ; Mittal et al,2003 ) . The enterprises taken are more focussed on authorities section, automaton instead than anything to make with the citizens. They might work out a figure of jobs of authorities employees but non even a individual solution is wholly focused on citizen thathas come up in India.Indian citizens are still forced to travel from one section to another, and from one tabular array to another in order to acquire their work done.In stead of this, the National Task Force has besides made several recommendations. The cardinal strategic challenge faced is e-Readiness for e-Governance
It is a multifold challenge presenting basic inquiries like:
Is required Data Systems Infrastructure Ready?
Is needed Legal Infrastructure Ready?
Is required Human Infrastructure Ready?
Is required Institutional Infrastructure Ready?
Is requiredTechnological Infrastructure Ready?
Is required Leadership and Strategic Thinking Ready?
Role of banking in E-goverance
“ Indian banking sector through its web of over 74,000 subdivisions provides efficient and fleet hard currency direction and payment mechanisms ensures timely availbility of the financess to the ultimate donees. “ -RP Sihna, Deputy Managing Director ( IT ) , State bank of India
E-goverance goes beyond proviso of online services and includes, the usage of IT for strategic planning and making development ends of the authorities to the citizens.Government premier concern is that the gross deposited at assorted subdivisions of Bankss throughtout the state are collected efficiently and every rupee spend on the societal sector programs & A ; schemes reaches the intended donees rapidly and directly.It is hence, imperative that the Indian banking sector which have a broad web af over 74,000 subdivisions provides efficent and fleet hard currency direction system and payment mechanisms to guarantee timely handiness of the financess.
Banks apart from taking the engineering beyond urban centres to remote countries, that are still unbanked and underserviced, but besides functioning as a channel for recognition delievery and advanced merchandises to the hapless and underprivileged subdivisions of society.With an efficent deployment of engineering, Bankss can step in and supply entree to banking installations like gap of histories, money transportation services, payments of measures etc.Banks provide payment solutions to carry on E-payments with authorities sections utilizing smart cards/credit cards or doing a direct debit from their history ( Internet banking ) when the due day of the month falls.
In short, bank can assist in the procedure of E-Goverance by 3 methods:
ICICI authorities banking group & A ; its E-Goverance intitatives
The authorities banking group of ICICI, falls under their corporate banking group and it specifically cater to the authorities entities and establishments. “ We guarantee conformity of specific regulative demands while custom-making these merchandises and services for the authorities. Our changeless enterprise is to carry through the specific aims of the authorities at assorted territory, province, and national degrees. “ ( www.icicibank.com )
Their are the commissioned Banker to the Ministry of Civil Aviation. All payments and grosss of this Ministry across the state are routed through their web.
They are the sanctioned banker to roll up direct revenue enhancements every bit good as indirect Taxes for the cardinal Government and province ‘s gross revenues taxes/ VAT in the States of Delhi, Punjab, Andhra Pradesh and Gujarat.
Approved bank for expense of pensions for cardinal authorities and defence employees.
Online Collection of fees for Director General Foreign Trade ( DGFT )
Online aggregation of fees and Stamp responsibility under MCA-21 & A ; Limited Liability Partnership ( LLP )
E-ticketing enterprise for Indian Railways
Online Funds Disbursement and Tracking System for Ministry of Health and Family Welfare ( MoHFW )
E-goverance intitative undertaken by me as a summer trainee ( unrecorded ) in ICICI bank
My wise man gave me a undertaking where I was required to analyze different authorities governments and sections falling under E-Goverance program of authorities of India, to choose one authorization where ICICI bank can suit in and offer them their services and besides, explicating how it will be benefical to non merely them, but besides to the citizen on the having end.As I was placed in Delhi corporate office, I thought it will be good thought to get down researching the governments which wall under Delhi.My wise man, Mr.Hitesh Setya, besides considered it as a good thought as it was easy to speak and even run into these governments.
Delhi Government DepartmentsA screen wellness, gross & A ; revenue enhancement, audit, humanistic disciplines & A ; civilization, conveyance, administrative reforms, wellness and household higher instruction, IT, Gurdwara elections, administrative reforms agricultural selling, Fire service economic sciences and statistics, wellness and household, industries and many others. ( A comprehensive lists of the section has been given in the appendix ) .
All the sections of Delhi authorities plants for heightening the socio-economic viability of the metropolis. Each and every Delhi section is entrusted with a separate set of duties and responsibilities.
I studied about every section falling under delhi authorities authorization and saw the range of E-goverance in those departments.After working on this for a period of 2 hebdomads, I came down to the undermentioned governments names:
Delhi Development Authority
Delhi passport authorization
After reaching these agenices and run intoing their respective officals, I narrowed with DDA ( it looks after the orderly-yet-rapid development of Delhi ) , as they are already in the procedure of doing their database and this section has a bad repute when it come to ruddy tapism and bureaucratic attitude.Under this section, a figure of activities are taken attention of runing from stamps, lodging, edifices, assorted enrollments etc.I needed to choose one major activity which will go my study ‘s focal point.I selected DDA process for “ transition from leasehold to freehold.
DDA-SCOPE FOR E-GOVERANCE
“ Delhi Development Authority ( DDA ) , clip moves at its ain Sweet, slow gait. And in order to acquire your work down, you need an jock ‘s staying power and a monastic ‘s forbearance ” ( Roy, Hindustan times,2010 )
The Delhi Development Authority ‘s ( DDA ) was established in the twelvemonth 1957, and about after 50 old ages of existance, it has come out with a expansive vision for 2010: to go a “ high public presentation and people friendly ” administration. This mission comes non a twelvemonth excessively shortly for the land development agency.The authorization referred itself as the metropolis ‘s 9th builder, touches the life of about every 2nd Delhiite.Since its initiationin 1957, DDA has worked towards the development ofthe metropolis and has created or facilitated about 1 million brooding units to day of the month. including allocation of more than 3 lakh flats, secret plans to Cooperative Groups and residential secret plans.Apart from the building of 600 large and little commercial Centres and allocation of industrial and institutional plots.DDA ‘s drab and dust-covered file-laden headquarter, Vikas Sadan, gets about approximately 700 visitants daily. ( Roy, Hindustan times,2010 )
The crowd thronging at the the DDA offices explains that it is non easy to have a DDA level or secret plan, which the authorization sells at low-cost rates.What ‘s even tougher than this, is acquiring the ownership letters, transition from leasehold to freehold or even altering the rubric workss.
Add from sumwhere else
In the labyrinthine corridors of the DDA office, file ‘s journey begins from one tabular array and so meanders through at about all the tabular arraies of the office and this journey in the can take anything from a month to old ages.
The DDA baboos take ages to travel files and the smallest blank in your paperss can decelerate the procedure by months.
DDA ‘s citizen ‘s charter promises disposal of minutess a specific clip frame of between 15 and 90 yearss. These promises, nevertheless, remain cozily embedded in the calendered brochure.
This is where the touts come in.
For a fine-looking fee — anything between Rs 40,000 to Rs 1 hundred thousand — depending on the `complexity ‘ of your instance, touts can rush up the procedure of acquiring your occupation done. Thankss to DDA ‘s enterprises to control the tout threat, these assistants-for-hire can now be found lingering in the parking tonss and little photostat stores and restaurants outside Vikas Sadan.
“ We can acquire any occupation done as we have a `setting ‘ with functionaries inside the edifice, ” says a tout, who does n’t wish to be identified. “ The rates have gone up though as DDA has become stricter about these things now. ”
“ Unless you have deep pockets, acquiring your application approved from the DDA is following to impossible, ” says Umesh Sharma ( name changed on petition ) , who has been seeking to reassign his level from his male parent ‘s name, who died many old ages ago, to his ain for the past six old ages. “ Every functionary expects to be bribed and you have to grease many thenars. ”
“ The functionaries say the belongings we bought for a few 1000s decennaries ago will now sell for hundred thousand but they do n’t stand to derive anything from it, ” he said.
“ If you are reassigning a belongings to your name or change overing it from leasehold to freehold to sell it, they want their portion, ” Sharma said.
TOMORROW The passport office is a conundrum. There ‘s paperwork, there are meetings and a individual mistake can deboard your programs.
Tocopherol goverance in India has touched assorted countries like income revenue enhancement, passport, pensions, company affaris, constabulary, municpalities, ariculture, cardinal excise and many more.In my study, we will be dicussing three chief countries viz. , Sales/Commercial Tax Department ( VAT ) , MCD ( Municipal Corporation of Delhi ) & A ; NDMC ( New Delhi municpal council ) , income revenue enhancement section.
B.MCD & A ; NDMC
The National Capital Territory of Delhi ( NCT ) comprises three local organic structures, MCD, NDMC and Cantonment Board. The MCD comprises of about 96 per cent of the country and population of the Union Territory ( UT ) of Delhi. The Delhi Municipal Corporation Act, 1957 was amended in August, 1994 to convey it in melody with the Constitutional commissariats of Part IXA. In regard of New Delhi Municipal Council, which consists of merely 3 per cent of the country and 3 per cent of the population of National Capital Territory of Delhi. ( hypertext transfer protocol: //www.ndmc.gov.in/AboutNDMC/NAboutus.aspx )
( two ) NDMC
2.1 Property revenue enhancement: The Property section is one of the revenue enhancement revenue-earning sections of NDMC. Gross is realized as ( I ) belongings revenue enhancement from about 12,000 private belongingss and Government belongingss A constructedA anterior toA 26th A January, 1950 andA ( two ) service chargesA fromA the A authorities belongingss constructed after 26-01-1950. Property revenue enhancement is an obligatory revenue enhancement levied on all lands and edifices in New Delhi. It is a per centum of the ratable value of lands and edifices. The rates A oftaxes are determined by the Council from year-to-year footing.
Facilities available online:
hypertext transfer protocol: //www.ndmc.gov.in/services/PropertyTax/Images/img_bullet.gif
hypertext transfer protocol: //www.ndmc.gov.in/services/PropertyTax/Images/img_bullet.gif
Rate List/ Method of Calculation of Property Tax
i‚· conveyance section
i‚· irrigation and inundation control section
i‚· planning section
i‚· SC/ST/OBC/Minorities public assistance section
i‚· informations and public dealingss section
i‚· industries section
i‚· land and edifice section
i‚· constabulary section
i‚· forest section
i‚· administrative reforms section
i‚· board of directors of audit
i‚· economic sciences and statistics section
i‚· chit fund section
i‚· art, civilization and linguistic communication section
i‚· board of directors of instruction
i‚· board of directors of preparation and proficient instruction
i‚· environment section
i‚· development section
i‚· wellness and household section
i‚· excise, amusement and luxury revenue enhancement section
i‚· public works section
i‚· weights and steps section
i‚· gross revenues revenue enhancement section
i‚· tihar prisons
i‚· services section
i‚· board of directors of bar of nutrient debasement
i‚· board of directors of agricultural selling
i‚· labour section
i‚· societal public assistance departmentA