Achieving Total Financial Inclusion’ in West Tripura district through e-ROR, Tripura

Name of the Initiative and State

Achieving ‘Total Financial Inclusion’ in West Tripura district through e-ROR (e-Record of Ordinary Residence) & Common Service Centers piloted at Mandwi block, Tripura


Initiative Champions 

  • Shri Abhishek Singh, IAS, Distt Magistrate & Collector, Tripura 
  • Shir Gitte Kiran Kumar Dinkarrao 
  • Shri Pramod Kumar Pal 
  • Shri Manohar Bishwas 
  • Shri Pradip Roy


Initiative in Brief 

To achieve Total Financial Inclusion in West Tripura district, an initiative was launched in the tribal-dominated Mandwi Block in coordination with Banks, Common Services Centers, PRIs & NIC through tracking and identifying uncovered families as per eROR (e-Record of Ordinary Residence) and bringing them under banking facilities through brick and mortar branches and Branchless Banking (CSCs/ USBs) in remote areas. 100 per cent coverage has been achieved with CBS accounts and most of the benefits are now routed through the bank accounts only.  



  • 100 per cent coverage of all families with CBS accounts
  • Opening of 4 Common Service Centers (USBs) and 2 ATMs. 20 USBs in entire district.
  • Seeding of accounts in the eROR and maintenance of database
  • GIS-based mapping for opening of new bank branches and USBs
  • Rolling out of Electronic Fund Management System (EFMS)
  • Door step service delivery through Business Correspondents
  • Linking of benefits like payment under MNREGS, IAY, NSAP, NBA, JSY, JSSK etc.
  • Availing of the credit facilities in priority sectors



  • All families were covered with CBS bank accounts
  • Extension of Branchless banking through 20 USBs 
  • Electronic transfer of benefits under MNREGS, IAY, JSY etc.
  • 220 per cent increase in credit in the Agri & allied sectors in 2 years
  • Seeding of the accounts in the databases of Schemes and banks
  • Suitable platform to achieve objectives of PMJDY by October / November, 2014


Knowledge Resources

Presentation on Achieving Total Financial Inclusion in West Tripura district through e-ROR, Tripura

© 2016 Replication of PM Awarded Initiatives
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