Government of Andhra Pradesh

GOVERNMENT OF ANDHRA PRADESH
ABSTRACT
Rural Development Department – “Abhaya Hastham” (IKP pension and insurance

scheme) covering women members of IKP SHGs of both rural and urban areas in
Andhra Pradesh – Orders – Issued.
PANCHAYAT RAJ AND RURAL DEVELOPMENT (RD.II) DEPARTMENT
G.O.Ms.No. 36 Date:06.02.2009
O R D E R:-
Government of Andhra Pradesh have undertaken comprehensive

eradication of poverty, in rural and urban areas, through the Indira Kranthi
Patham programme of empowerment of women, through formation,
development and strengthening of women SHGs and their federations. During
the last 3 years government is also implementing National Rural Employment
Guarantee Scheme, to secure guaranteed wage employment to the rural poor.
As a result of these measures, a large number of women and their families in
rural and urban areas are enjoying stable livelihoods, increased incomes and
better quality of life. While economic growth at household level is an important
pre-condition for expanding the scope of Social Security, no less important is the
need for adopting special social security policies. The Government regards social
security as one of the important factors in improving quality of life and
elimination of poverty. The need for income security in their old age, when their
ability to earn from their physical labour would have reduced considerably, has
been voiced by SHG members in various meetings.
In order to secure dignified life to women and providing income security in

their old age when they become old, Government have decided to introduce a
co-contributory pension scheme for the SHG women to give them a monthly
pension.
1. Short title and commencement and extent

a. This scheme will be called the “Abhaya Hastham” (IKP pension and
insurance scheme) covering women members of Self Help Groups (SHGs)
in rural and urban areas, promoted by Indira Kranthi Patham (IKP)
programme.
b. This scheme shall come into force with immediate effect.
2. Objective:
To provide income and social security to all women SHG members to enable
them to lead secure life with dignity.
3. Eligibility:
a. All women who are members of SHGs, in urban and rural areas, promoted
by Indira Kranthi Patham, above 18 years of age are eligible. The women
member seeking to join the scheme should have been currently an active
member of the SHG for a minimum period of one year.
Contd..
-2-
b. The member will be required to provide prescribed documents issued by

the government or government agencies and recognised as adequate
proof of eligibility for the scheme.
4. Salient Features:
a. The SHG women have to opt for the Scheme and shall apply to their SHG,
and the SHG should through a resolution recommend the case of the
member and certify the age of the member.
b. This scheme is applicable to 1.20 crore urban and rural SHG women in the
State.
c. A member can make a minimum contribution of Rs. 30/- per month or in
multiples of Rs. 30/-. The State Government will only contribute Rs. 30/-
per month per member, even if the member’s contribution is higher than
Rs.30/-.
d. The SHG member will become eligible for monthly pension when she
crosses 60 years of age. In the first year of the scheme, monthly
pension is payable to all the women enrolled who have crossed 60 years
of age.
e. Each member would become eligible for minimum monthly pension of

Rs.500/- or above after attaining the retirement age, depending on the
number of years of contribution and quantum of contribution made by
the member.
f. Of the members enrolled into scheme, those who are below 59 years of
age will automatically secure coverage under Janasree Bima Yojana, Life
Insurance Scheme, without having to pay any premium separately. In
the event of natural death of the members, the nominee is entitled to
Rs. 30,000/- or Rs. 75,000/- in case of accidental death. In case of
permanent disability or partial disability the member is entitled to receive
Rs. 75,000/- or Rs.37,500/- respectively. The children of the member
studying 9th or 10th or 11th or 12th class will receive scholarship amount
of Rs. 1,200/- payable in two half yearly instalments.
g. In addition to the above, in case of death of a member of any age, the

nominee is entitled to receive the corpus remaining in the account of the
member, contributed by the member, Government and the interest
earned on the contributions.
h. In the event the subscriber defaults for a period of more than 2 years, the
subscriber's individual pension account shall be closed and the available
contributions of the subscriber and earnings from such contributions in
the account shall be transferred to the subscriber.
5. Fund Management:
The Nodal Implementation Agency will appoint the Life Insurance
Corporation of India as Fund Manager. The contributions received shall be
transferred to the Fund Manager regularly for investing wisely. The Fund
Manager will give half yearly statement of accounts to every member.
Contd..
-3-
6. Pension Payment:
Every member on crossing 60 years is entitled to receive monthly pension
credited to her bank account.
7. Implementation:
a. Society for Elimination of Rural Poverty (SERP) is the Nodal
Implementation Agency (NIA) for this scheme. SERP will enter into a
Memorandum of Understanding (MoU) with Life Insurance Corporation
of India or any other public sector organization for fund management,
management of individual database and pension payouts.
b. SERP will also appoint implementation support agencies, banks and

any other such person or entity responsible for enrolling subscribers,
collecting and recording contributions and information from
subscribers, transmitting information to Life Insurance Corporation of
India.
c. SERP will develop detailed guidelines for implementation of the
scheme.
8. Universal coverage of the poorest of the poor:
It shall be endeavour of the concerned government agencies and SHGs

and their federations to ensure universal coverage of all the poorest of the
poor particularly land less agricultural labour, labouring classes, people with
disabilities, single women and poor S.C./S.Ts., under Abhaya Hastham, by
promoting awareness about the scheme and providing handholding support
to them to become members of SHGs, if they are outside the fold of SHGs,
to eventually induct them into the scheme.
9. Auditors:
The Government shall appoint auditors periodically to verify the records of
SHGs, Village Organisation, Mandal Samakhya, Zilla Samakhya and SERP.
10. Advisory Board:

The Government shall constitute Advisory Board consisting of officials,
experts and Self Help Group members to advise on implementation of the
scheme.
(BY ORDER AND IN THE NAME OF THE GOVERNOR OF ANDHRA PRADESH)

K. RAJU,
Principal Secretary to Government (RD)
To
All the District Collectors
All the Project Directors of DRDAs
The Principal Secretary, Social Welfare Department
The Principal Secretary, Women Development, Child Welfare and
Disabled Welfare Department
Contd..
-4-
The Principal Secretary, Industries & Commerce Department

The Principal Secretary, Municipal Admn. & Urban Development Department
The Principal Secretary, PR & RWS, PR & RD Department
The Chief Executive Officer, SERP, AP Hyderabad.
The Commissioner, Rural Development
The Commissioner, Panchayat Raj, AP Hyderabad
The Commissioner Social Welfare Department
The Commissioner, Disabled Welfare Department
The Commissioner, Handlooms & Textiles Department
The Commissioner, Municipal Administration.
The Director of Treasuries of Accounts, Hyderabad
Copy to:
All the District Treasury Officers in the State
The Accountant General, A.P.,Hyderabad
The Special Secretary to Chief Minister
The PS to Chief Secretary to Government
The PS to Minister, RD and RWS
The PS to Minister, Social Welfare
The PS to Minister, WD, CW & DW
The PS to Minister, Industries
The PS to Minister, Municipal Administration
The PS to Principal Secretary (RD)
The Web Manager, Rural Development Website,
O/o the Commissioner (RD)
PR & RD Department.
SF/SC.
//FORWARDED :: BY ORDER//
SECTION OFFICER

Government of Andhra Pradesh

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GOVERNMENT OF ANDHRA PRADESH

Rural Development Department – “Abhaya Hastham” (IKP pension and insurance

PANCHAYAT RAJ AND RURAL DEVELOPMENT (RD.II) DEPARTMENT

Government of Andhra Pradesh have undertaken comprehensive

In order to secure dignified life to women and providing income security in

1. Short title and commencement and extent

b. This scheme shall come into force with immediate effect.

b. The member will be required to provide prescribed documents issued by

e. Each member would become eligible for minimum monthly pension of

g. In addition to the above, in case of death of a member of any age, the

b. SERP will also appoint implementation support agencies, banks and

It shall be endeavour of the concerned government agencies and SHGs

10. Advisory Board:

(BY ORDER AND IN THE NAME OF THE GOVERNOR OF ANDHRA PRADESH)

The Principal Secretary, Industries & Commerce Department

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