Grahak Seva Kendra initiative: All about Customer Service Point (CSP)

[ecis2016.org] Grahak Seva Kendras or Customer Service Points (CSPs) help citizens in rural areas access various bank-related services with ease. Here’s all you need to know about Grahak Seva Kendras.

A Grahak Seva Kendra, also known as a Customer Service Point (CSP), is involved in the provision of banking services in rural regions. Customer Service Points (CSPs) were established in order to expand the accessibility of public sector banks to remote areas and to make bank-related activities more convenient.

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Citizens can make use of all banking-related services by registering with the Grahak Seva Kendra (Citizen Service Centre). The consumer no longer needs to visit the bank to complete any transaction or perform any bank-related activity. They may now access all bank-related services through the local customer care centre.

Any individual can establish a Customer Service Point in their community with the assistance of banks and the Digital India website. If you meet the qualifying requirements, you will be able to create your own Customer Service Point.

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Goal of Customer Service Points

Citizens in rural regions who are deprived of banking services would be able to take advantage of the CSP since it will let them banking services throughout the country. Under the CSP Registration, CSP programme, world-class services will be made available to all citizens of the nation who fall into the lower and moderate socioeconomic classes.

The Government of India established the Grahak Seva Kendra to ensure that the advantages of banking services are accessible to all citizens. This page will offer you all of the relevant information on the enrollment process, eligibility, paperwork, and the customer service centre’s scheme for you to better serve your customers.  

Constant attempts are made to integrate all of India’s services in the form of the internet in order to connect the country with digitalisation. Loan facilities will also be made available to citizens for the purpose of establishing a Customer Service Centre (CSP).

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Who does the CSP primarily benefit?

CSP is extremely beneficial to migratory labour and employees who frequently have problems using financial services due to their migration status.

Functions of the CSP of a bank

Customer service points provide the same services offered by any bank, including:

• Create a bank account with E-KYC (know Your Customer).
• Withdraw and deposit money; the ability to transfer money; and the ability to set up a fixed deposit or recurring deposit.
• Link your savings account with your Aadhar card and your PAN card is available.
• These Bank CSPs also provide insurance services to their customers.

How to open Grahak Seva Kendra ?

If you want to open a Grahak Seva Kendra, you can choose from one of the two options.

Through a bank

If you meet the requirements, the bank interviewer will notify you of the appropriate qualifications, paperwork, investments, and you will be granted permission to access the Grahak Seva Kendra.

If you want to open a Grahak Seva Kendra, you must first inform the bank to arrange for the establishment of a CSP Centre. You must meet with the management of a bank such as SBI, BOB, PNB, or any similar institution, and advise them of the complete geographical information of the Grahak Seva Kendra you wish to establish.

A username and password will be provided to you by the bank to operate the CSP centre in your area. You can also request a loan of rupees 1.5 lakh, if required.

Through a company

Grahak Seva Kendras can also be established via the efforts of an organisation. You will need to contact a firm like Vayam Tech, FIA Global, Oxigen Online, Sanjivani, etc. to get CSP. Any organisation may provide a hand in establishing a customer service centre.

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Income from Customer Service Centre

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You would be able to earn 25,000 or 30,000 rupees a month if you run a customer service centre in your area. A distinct commission is paid to each bank buddy for each job performed by the banks. According to the Bank of Baroda, the following is the commission paid to its bank friends:

How to open an SBI Customer Service Centre online?

If you want to open an SBI Customer Service Centre, follow the steps below.

• Visit the Digital India CSP’s official website.
• To register online, click on Online Register.

• Fill out and submit the form.

Note: As a result of your Grahak Seva Kendra, the procedure of online CSP registration will be finished within 15 to 20 days, depending on the volume of traffic.

Income through Customer Service Point

Opening a Grahak Seva Kendra or CSP will ensure that a person earns Rs. 25,000 to Rs. 30,0000 every month. Since these service points are helping banks to do their work easily, commission is provided by the banks to the ‘bank friend’ for each service provided. 

The PNB Grahak Seva Kendra, BOB Grahak Seva Kendra, SBI Grahak Seva Kendra – all offer special commissions. For example, the commission paid by Bank of Baroda to its bank friends are as follows: 

• On opening a new bank account using an Aadhaar Card – Rs. 25
• Linking bank account with Aadhaar  Card – Rs. 5 
• On depositing and withdrawing money in the customer’s account – 0.40% per transaction.
• On opening Pradhan Mantri Jeevan Jyoti Bima Yojana Account – Rs. 30 per account per annum.
• Pradhan Mantri Suraksha Yojana – Rs. 1 per year. 

Source: https://ecis2016.org/.
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