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

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.

Let There Be Light – Direct Benefit Transfer in Kerosene

This focus note traces a qualitative research that MicroSave conducted to assess the consumption pattern and dependence on kerosene in India at the time of the study.

District Readiness Assessment (DRA) Tool: Expediting G2P Payments

MicroSave has developed the “District Readiness Assessment (DRA) to address the issues, G2P payment in India faces.

District readiness for G2P payments: Ready or not…Well, still mostly ‘not’ part – I

This blog highlights the complexity of setting-up a system to deliver EBTs effectively in India. And how there seemed to be little rationale for the selection of districts for pilot-tests and rollout of Aadhaar-enabled EBTs.