Ritesh Rautela

Specialist/Consultant

Ritesh is a Senior Manager in Digital Financial Services domain of MSC India, focused in Government and Social Impact (GSI) domain.

Ritesh is a Senior Manager in Digital Financial Services domain of MSC India, focussed in - Government and Social Impact (GSI) domain. He has over nine years of experience in fields of consulting, G2P programmes and payment systems, banking, branchless banking, digital financial services, social protection, financial inclusion and financial literacy. The current focus of his work is in the area of Government to Person (G2P) programmes. He specialises in financial inclusion/ branchless banking operations, G2P programmes, payment systems, cash transfers (conditional and unconditional), direct benefit transfer schemes, branchless banking, programme evaluation and assessment, relationship management, process re-engineering, financial literacy, training, qualitative and quantitative research, and behavioural research

Posts by Ritesh Rautela

A review of the effectiveness of India’s Direct Benefit Transfer system during COVID-19: Lessons for India and the world

This paper examines the use of existing cash transfer programs and the payment infrastructure used for the timely delivery of PMGKY benefits during the COVID-19 pandemic in India. Additionally, the paper draws insights from PMGKY beneficiaries’ cash withdrawal/access preferences and experiences during the pandemic.

Way Forward for Delivery of Food Subsidy in India: Lessons from Unconditional Cash Transfers

This publication discusses key findings from the assessment of unconditional cash transfers in the three union territories of Chandigarh, Dadra & Nagar Haveli, and Puducherry and offers recommendations for the food subsidy program in India.

How India can transform its fertilizer subsidy program

India, with its millions of farmers who provide food security for the country’s vast population, is primed to reform its fertilizer subsidy program. This blog lists the challenges of subsidizing fertilizer use in India and provides solutions to connect subsidies directly to farmers.

Direct Cash Transfers in fertilizer: Modalities for cash delivery

This publication discusses two alternative models to Direct Cash Transfer (DCT) of fertilizer subsidy in India. It further looks at the potential issues that beneficiary farmers could face under each of the proposed models.

The case of micronutrient usage in Indian agriculture

This publication discusses the importance of soil nutrients, particularly micronutrients, and the factors that affect their availability in Indian soils. It also explores the reasons for the low use of micronutrients and provides recommendations to optimize their use to increase yields.

Reforms in fertilizer subsidy in India: The way forward

This publication discusses the initiatives of the Government of India to increase transparency in the fertilizer distribution system. It also highlights some challenges that persist in the implementation of direct cash transfers in fertilizer and a three-step approach to resolve these challenges.

Direct Benefit Transfer in Fertilizer: Fourth round of concurrent evaluation—A nationally representative study

NITI Aayog engaged MSC in a nationally representative study on DBT in fertilizer. This report provides details of the on-the-ground realities of DBT-F implementation and makes actionable recommendations to improve the DBT-F system further.

Experimenting with cash transfers in food subsidies – Lessons from the pilot in Nagri

This case study discusses a unique experiment of distributing food subsidy in the Nagri block of Ranchi district. The document discusses the learnings and insights from the pilot that governments can use to inform future experimentation in food subsidy delivery.