Arshi Aadil

Senior Analyst

Arshi is a Manager in the Government and Social Impact—Digital Financial Services domain of MSC India. She is a development consultant with over four years of experience in the field.

Arshi is a Manager in the Government and Social Impact—Digital Financial Services domain of MSC India. She is a development consultant with over four years of experience gained through projects with state governments, central government, think tanks, academic institutions, MFIs, and donors in the development sector of India. Arshi has implemented projects in product development, market research, behavioral economics, risk management and digital financial services. Her work involves improving public policy choices through evidence based, bottom up, and human centered approach. She specializes in G2P programs and payment systems, microfinance, digital financial services, livelihood, process mapping and re-engineering, pilot planning and roll-out support, policy analysis, and financial and rural sector development.

Posts by Arshi Aadil

Digital Governance: Is Krishna a Glimpse of the Future?

The state of Andhra Pradesh is recognized as a leader in using technology to improve the delivery of public services, programs and subsidies. Many of its innovations were piloted in Krishna District, which has been visited by development agencies and delegations from many countries.

Enablers For Direct Benefit Transfers Of Fertiliser Subsidy

Over the past few years, there was a continuous effort by the government to streamline the in-kind distribution of fertiliser. Targeting fertiliser subsidies directly to farmers would be a herculean task, but can be attempted by combining several initiatives that the central government and some state governments have undertaken over the past years. This note discusses potential solutions to improve in-kind transfers and suggests few ideas for cash transfer pilots for fertiliser subsidy.

Barriers to Direct Benefit Transfers for Fertiliser Subsidy

The Indian government initiated DBT in fertiliser to plug leakages and bring transparency in the system. Direct Benefit Transfer in Fertiliser (DBT-F) in its current form is a modified subsidy payment system, where the government pays subsidy to fertiliser companies only after fertiliser retailers have sold fertiliser to farmers or buyers. The subsidy isn’t directly credited to farmers in their bank accounts owing to certain challenges. This note highlights the major barriers to distributing fertiliser subsidy through cash transfers and in-kind transfers.

Pradhan Mantri Ujjwala Yojana: A demand-side diagnostic

The objective of the study was to examine the efficiency, efficacy, and operational aspects of the scheme and understand the triggers and barriers that drive the behaviour around usage and refills of LPG by the PMUY beneficiaries

Lessons from the Digitisation of Government to Person (G2P) Programmes in India

The blog highlights lessons from the digitisation of government to person (G2P) programmes in India

Direct Benefit Transfer (DBT) in Fertiliser – Towards an Efficient Fertiliser Distribution System

The blog identifies how India can move towards an efficient fertiliser distribution system.

Assessment of AeFDS (Aadhaar enabled Fertilizer Distribution System) pilot

The report elaborates key findings of the study on three major aspects —Farmer Readiness, Retailer Readiness, and Transaction Status. It also explains best practices being followed by districts based on indigenous wisdom and provides actionable solutions for smooth implementation of AeFDS initiative.

Is Soil Health Card the Magic Pill for Agricultural Woes?

This note focusses on the Soil Health Cards , introduced by GOI for farmers in 2016 under the National Mission for Sustainable Agriculture to promote judicious use of fertilisers amongst the farming community.