Ritesh Rautela


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

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.

Designing Beneficiary-Centric ‘Direct Benefit Transfer’ Programmes: Lessons from India – Part II

This Policy Note Part II, details out the “Seven Steps of DBT Programme Design” for a robust and beneficiary centric direct benefit transfer programme.

Designing Beneficiary-Centric ‘Direct Benefit Transfer’ Programmes: Lessons from India – Part I

This Note as a first part of the two-step series explains the pre-requisites and the steps, which if followed, can help in implementation of successful government DBT programmes.

Low Preference for Cash Transfer in TPDS – What Affects Beneficiary Behaviour?

The cash versus in-kind subsidy transfer for food, fuel or fertiliser has no clarity on which method should be adopted going forward – cash or in-kind subsidies.

India Post – Initiatives to Facilitate G2P Payments

The blog highlights the initiatives of the Indian government in establishing India post as a vital body disbursement of G2P payments in the state of Jharkhand

Fair Price Shop Ownership: How Viable Is It?

In this Note, we cover the revised commissions proposed by the Cabinet Committee on Economic Affairs (CCEA) in India, which have been proving inadequate for fair price shop (FPS) owners.

Savings Achieved through FPS Automation: Step for Greater Efficiencies

In this note, we discuss the savings that have accrued because of automation of fair price shops (FPS) in Andhra Pradesh and to an extent in Telangana.

Behavioural Biases Affecting Buying Behaviour of Kerosene Consumers for Alternate Fuels

MSC conducted an exploratory research that aimed to understand the enabling factors that might induce consumers to buy and use alternate fuels if direct benefit transfer is implemented.