Working of Bank Mitra (Business
Correspondents)
The Bank Mitra (Business
Correspondent) outlets (in both rural and urban areas) would be fully equipped
with the required infrastructure including the computers and other peripherals like
Micro-ATM, Bio-metric scanners, Printer, Web cam and internet connectivity.
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Bank Mitra (Business Correspondent)
needs to carry out online transactions for which internet connectivity is
essential. However, as per the present status there may be certain connectivity
related issues particularly in hilly and tribal areas of the country which need
to be addressed immediately. Hence, there would be a committee consisting of various
stakeholders including BSNL to sort out technology related issues.
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Each Bank Mitra (Business
Correspondent) would be given proper training about basic banking, insurance
and pension products and also on customer handling. Adequate compensation to the
Bank Mitra (Business Correspondent) would be ensured for enabling him to
provide uninterrupted services particularly in the difficult rural and remote
areas.
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The suggested remuneration to reach
the last mile Bank Mitra (Business Correspondent) would be at least 5,000/-
pm comprising of fixed amount and additional transaction activity
based variable component.
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While deciding upon the remuneration
structure it would be ensured that the costs on rent, electricity, internet,
travelling etc. are also accounted for.
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