Programme Implementation Vinay Dadmal way

The PRIME MINISTER of INDIA recently announced their decision to hike the wages of Anganwadi workers in INDIA and also provided insurance cover under PMSBY and PMJJBY .I welcome this decision.My grievance is about such PROGRAMME IMPLEMENTATION.The decision lacks innovation and no use of banking.The various departments of central government not giving proper feedback to government about implementation is definitely not good for INDIA.Almost every Anganwadi worker will receive Rs 1000/- monthly pay hike in her bank account.The change I want is for first 12 months the pay hike be deposited in bank account but The Anganwadi worker will not be allowed to withdraw this amount in first 12 months.After 12 months this amount almost Rs 12000/- will be fixed in her bank account.The FD interest will be then used to auto debit and pay annual premium payment for PMSBY and PMJJBY ,Rs12/- and Rs 330/- .This move and the FD amount Rs 12000/- will increase CREDIT of that Anganwadi worker.This FD with REGULAR RS 3500/- monthly payment is such that on any FINANCIAL requirement Rs 10000/- personal loan is always available to that Anganwadi worker.This will save almost Rs 100/- Crore of the government .The wage hike if instantly given then I do not think there will be any saving and at the end of the month bank account will have no balance.