Lokesh Singh

Lokesh is the Co-Founder of Farmart Agri Service Private Limited and is currently working towards solving the most fundamental challenge of Agriculture in India , that is, the low usage of technology that leads to low productivity.

Lokesh was a Senior Manager in Digital Finance—Government and Social Impact (GSI) domain of MSC India. His responsibilities included working with government agencies and service providers to support them in the efficient implementation of G2P transfer programs.

Posts by Lokesh Singh

Small Finance Bank Licences: Not the End of the Road for Non-SFB MFIs

MFIs that are not small finance banks can also find ways to increase their market share.This note discusses all these aspects in detail.

PMJDY Assessment Round 2: Well Begun is Job Half Done

The Hon’ble Prime Minister of India launched ambitious Pradhan Mantri Jan Dhan Yojana (PMJDY) on August 28, 2014 with an objective to ensure at least one active bank account per family. MicroSave and the Bill & Melinda Gates Foundation designed a survey to track the progress of PMJDY with focus on the presence and performance on Bank Mitrs .

Are the $2 Billion Annual Savings Arising from PAHAL Real?

Are the $2 Billion Annual Savings Arising from PAHAL Real? The blog examines the performance of Pahal, direct benefit transfer for Liquefied Petroleum Gas (DBTL) programme scheme in India.

Transformation of Microfinance Institutions to Small Finance Banks: Differentiating Men from the Boys!

This note is second in the series and examines how small finance banks can build a first-class retail institution that focusses on low-income clients.

Transformation of Microfinance Institutions into Small Finance Banks: Will it be a Roller Coaster?

In this note, we discuss various challenges that MFIs may face while transforming into small finance banks. The second note in this series would examine plausible solutions.

PAHAL – from “Discard” to Cherished Success

India is a social welfare state. Rs. 2,700 billion (US$43 billion) have been allocated for subsidies in FY 2015-16. The enormous scale and the sheer number of people involved in the logistics of ferrying food grains, cooking gas and a host of other commodities across the country leads to “leakages”.To achieve the dual objectives of: […]

Using “Behavioural Sciences” to Make Consumers “Give It Up” – The Case of LPG Subsidy

The PAHAL programme of DBT had achieved remarkable success. However, its ‘Give It Up’ campaign is yet to replicate this success. Our focus note explores this issue.

Setting Public Distribution System Right: Touchstone Case for Direct Benefit Transfers – Part II

In this note on the Public Distribution System (PDS), we compare three alternative distribution models: biometric authentication through Point of Sale (PoS) devices, food coupons, and Direct Benefit Transfer (DBT).