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May 4, 2025
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Eye Care Academy launched in Bihar’s Mastichak with CSR support

Eye Care Academy launched in Bihar’s Mastichak with CSR support
Standard Chartered Bank in partnership with Akhand Jyoti announced the launch of an Eye Care Academy in Mastichak, Bihar, as part of their ongoing commitment to empowering underprivileged communities through education and healthcare initiatives.
The Standard Chartered-Akhand Jyoti Eye Care Academy aims to provide comprehensive optometry education and training to 95 girls from underprivileged backgrounds over a span of four years, enabling them to attain a Bachelor of Optometry degree. The academy will offer a comprehensive curriculum, hands-on training, and mentorship opportunities, equipping students with the expertise and confidence to contribute effectively to the field of optometry upon graduation. Post completion of this training, they will be empowered to practice their skills with Akhand Jyoti, one of the leading eye care institutions in India or with any other institution depending on their requirements.
This academy marks the third such collaboration by Standard Chartered Bank, following successful partnerships with L V Prasad Eye Institute in Hyderabad and Dr Shroff’s Charitable Eye Hospital in Delhi. So far, more than 3900 individuals have been trained from these two institutions over the last four years.
India bears a substantial burden of blindness, with one-fourth of the world’s blind population. The economic impact of blindness in India is staggering, with an estimated Rs. 159 billion in costs and Rs. 2,787 billion in lifetime losses.
Standard Chartered, under its flagship “Seeing is Believing” program, has been working on bridging this gap since 2003. Through Standard Chartered support, more than 500 vision centres have come into existence and over 3.6 million surgeries have been conducted. With such a robust primary infrastructure in place, “Seeing is Believing” has distributed over 6 lakhs spectacles to underprivileged community. However, availability of trained staff is a challenge towards achieving the goal to eliminate avoidable blindness.
India currently faces a shortage of optometrists, with rural areas being particularly underserved. With a ratio of 1 ophthalmologist to every 219,000 people in rural India, the need for trained eye care professionals is of vital and critical requirement. Quality eye care services rely heavily on Optometrists. These people are crucial in addressing blinding conditions through early detection, treatment, and rehabilitation. However, a severe shortage of skilled personnel in India, hinders the delivery of quality eye care services. A well-trained Optometrist can enhance efficiency, productivity, and patient satisfaction in eye care programs, acting as a bridge between specialists and communities.
Karuna Bhatia, Head Sustainability, Standard Chartered Bank and Global Business Services, India said, “At Standard Chartered, we believe in the power of education to transform lives and communities. The Standard Chartered-Akhand Jyoti Eye Care Academy reflects our commitment to providing opportunities for underprivileged girls to pursue careers in optometry, empowering them with skills and knowledge that will have a lasting impact on their futures and the communities they serve.”
Mritunjay Tiwary, Founder and Executive Trustee of Akhand Jyoti Eye Hospital, said, “The support from Standard Chartered Bank towards creating this Academy is of unprecedented importance. While this program develops marginalised, rural girls into qualified Optometrist, it also develops these girls into social change agents. Upon completion of this program, when these girls become Optometrist, they lead the blindness elimination drive across Akhand Jyoti’s network of centers along with that they encourage more girls like them to come forward and join the program creating a larger societal impact. This creates a dual impact of the program, not only in producing qualified optometrists but also in empowering these girls to become agents of social change within their communities.”

 

 

Disclaimer: This media release is auto-generated. The CSR Journal is not responsible for the content.

 

Why Ulip Is a Better Investment for Long-Term Wealth Creation?

Why Ulip Is a Better Investment for Long-Term Wealth Creation?
ULIPs are typically considered long-term investments that allow you to accumulate wealth over time. It is a life insurance plan that offers investing opportunities for long-term wealth accumulation and, at the same time, provides insurance protection to the policyholder. The premium you pay is divided into two portions. A little part goes towards providing insurance coverage, and the rest is invested in various funds that you choose. Moreover, you get the freedom to select an investment option based on your risk tolerance and financial objectives. A ULIP can help you achieve a variety of long-term financial goals, such as buying a home, saving for retirement, or supporting your child’s higher education. What exactly makes ULIP one of the preferred investment plans for long-term wealth creation? If you are wondering the same, continue to read:

Better returns compared to other products:

This is another reason why ULIPs are an excellent choice for long-term wealth growth. Compared to other products, ULIPs have a high potential for good returns because they invest the premium you pay in a variety of asset types. It also allows you to switch between funds based on their performance each year. To make the comparison between different investment plans, you can use an investment calculator and understand for yourself which investment option is yielding better returns. 

Power of Compounding:

ULIPs provide the ability of compounding, which allows you to reinvest your investment profits. Compounding allows you to receive returns on both your initial investment and subsequent returns and allows you to accumulate wealth over time as long as you stay invested.

Lock-in duration:

If you want to build a habit of disciplined investing, ULIP is the best option because it has a five-year lock-in period. In general, the lock-in period is calculated based on the date when the policy was issued to you. Furthermore, the policyholder can choose to cancel the policy after the 5-year lock-in period and withdraw funds as needed.

Flexibility:

ULIPs are extremely versatile because they allow you to move funds throughout the policy period. Indeed, it is the only financial tool that provides this type of liberty. It allows the insured to transfer their entire or partial investment amount from one fund to another. You can choose any of them based on your needs and the performance of the funds. One could also use an investment calculator after the 5-year lock-in period to understand the projected returns and accordingly move funds between balanced, equity, and income funds. In fact, you can simply make three to four moves per year at no expense. All you need to do is choose the policy, adjust its money allocation, and stick with it until your policy ends to reap long-term benefits.

Tax advantages:

ULIPs provide tax benefits under Section 80C of the Income Tax Act of 1961. The optimum tax-saving strategy is determined by various criteria, including the lock-in duration, maturity benefits and rate of return. Thus, as compared to other investment plans, ULIP is relatively the best financial option because you buy the insurance once but receive tax benefits every year till the end of the policy term.

How do you maximize your returns with ULIP?

Optimising Asset Allocation:

Asset allocation is generally defined as the evaluation of your returns and risk portfolios. Allocating assets among several funds allows you to create a broad portfolio while also balancing risk. One of the most significant advantages of asset optimization is that if one asset is losing money, it can be offset by a profit from another asset type. Thus, the overall risk of investing is reduced. Furthermore, by selecting the option of free changes between various funds, an individual can effortlessly manage their portfolio. Free switches allow the insured to shift their investments across asset classes such as cash, debt, and equity based on their risk tolerance and financial goals.

Choosing between equity and debt funds:

The insured must choose between equity and debt funds based on his or her risk appetite and fund performance. Different fund alternatives offer different levels of risk and reward. For example, investing in an equity plan can result in better returns, but the risk is equally significant. In contrast, debt funds provide the lowest long-term return and risk. However, investing in debt funds builds a solid portfolio while minimizing risk and ensuring a consistent return. You can further use an investment calculator to know the projected rate of return if you choose to invest in debt funds. You must choose between the debt and equity ratios after assessing your risk factor as well as your short- and long-term financial needs.

Life Stage Requirements:

The risk appetite of an individual varies with his or her life stage. By making wise investment decisions and achieving higher returns, one can balance investment profit and loss. When a person reaches retirement age, their financial demands begin to climb gradually. Thus, an individual’s risk appetite falls. To make a safe investment, move to less risky funds, such as debt funds, rather than equity funds.

Look for semi-controlled switching options:

Many insurance buyers fail to actively monitor their portfolio’s performance or manage its finances. To provide the best for investors, the ULIP Plan has the option of semi-controlled fund management. Under this option, the funds are scheduled to switch automatically based on the instructions provided by the insurer. You may use the semi-controlled switching option to start programmed switches on a monthly basis. On a certain date, as defined by the insurance company, the policyholder may transfer a fixed amount per month to another fund of their choice. The insured can select the fund choice from which to move the predetermined amount, as well as the fund to which it will be switched.

At last,

With so many investment plans available in the market, it might be tough to select the one that best meets your investing objectives. If you are looking for a dependable investment plan that can help you earn wealth in the long run, ULIP is the right decision for you. Experts seem to suggest that ULIPs are best suited for people looking for long-term wealth creation plans. You may use ULIP as your investment product because it strikes a good mix between providing insurance coverage and earning high returns. In fact, given the current market conditions, ULIPs have become one of the most significant investment options.

NHPC Limited to collaborate with Norwegian company for implementation of Floating Solar Energy Technology in India

NHPC Limited to collaborate with Norwegian company for implementation of Floating Solar Energy Technology in India
NHPC Limited, the largest organization for hydropower development in India, has signed a Memorandum of Understanding with M/s Ocean Sun, a Norwegian company operating as a technology provider to the floating solar industry.
As per the MoU, NHPC and Ocean Sun will explore key areas of cooperation for demonstration of Ocean Sun’s floating solar energy technology based on photovoltaic panels. The panels would be mounted on hydro-elastic membranes, at relevant sites to be identified by NHPC.
The agreement is in continuation of efforts towards sustainable development and addition of renewable energy capacity by NHPC, which is engaged not only in hydro power development but also in various renewable energy projects such as solar, wind and green hydrogen projects.
The MoU was signed in hybrid mode on 29th April, 2024, by Executive Director (Renewable Energy and Green Hydrogen), NHPC, V.R. Shrivastava and CEO, Ocean Sun, Mr. Kristian Tørvold. Ambassador of Norway to India, H.E. Ms. May-Elin Stener; Director (Technical), NHPC, Shri Raj Kumar Chaudhary and Executive Director (Strategy Business Development & Consultancy), NHPC, Rajat Gupta joined the signing ceremony from Embassy of Norway, New Delhi and Ambassador of India to Norway, H.E. Dr. Acquino Vimal joined from Oslo.

 

 

 

Disclaimer: This media release is auto-generated. The CSR Journal is not responsible for the content.

 

 

 

Top CSR Projects in Chhatrapati Sambhaji Nagar

Chhatrapati Sambhaji Nagar is the new name of Aurangabad which houses monuments like the Ajanta and Ellora Caves
Recently renamed Chhatrapati Sambhaji Nagar, Aurangabad in Maharashtra has the distinction of housing two world heritage monuments. Apart from the world-famous Ajanta and Ellora Caves, Daulatabad and Bibi-Ka-Maqbara, the district is rich in monuments of historical and religious significance. This is why Aurangabad is called the Tourist District of India.
Over the centuries, it became a melting pot of cultures since the district is centrally located on the map. It has witnessed the rise and fall of many dynasties such as the Setavachanas, the Vaustokas, the Chalukyas, the Rastrakutas, the Yadavs spanning 15 centuries till the advent of Muslim rule at the end of the 13th century.

Top CSR and Sustainability Initiatives in Chhatrapati Sambhaji Nagar

Corporate social responsibility programmes in Chhatrapati Sambhaji Nagar city and district revolve around quality education, healthcare, skill development and rural infrastructure, while sustainability initiatives largely focus on water conservation, the district being known for scarcity of water. Here are some of the most successful CSR and sustainability initiatives in Chhatrapati Sambhaji Nagar.

CSR of Tata Technologies Ltd to promote entrepreneurs

The Marathwada Accelerator for Growth and Incubation Council (MAGIC), in collaboration with Tata Technologies Limited through CSR funds, initiated a student startup project in December, last year which has been named Ready Engineer – Magic Startup (REMS) incubation programme. The project aims to promote entrepreneurs from tier 2 and tier 3 cities in the states of Maharashtra and Karnataka. Out of more than 100 budding industrialists who took part in the programme, 17 student startups were selected. Upon completion of the project, each startup will receive Rs 50,000 in seed funding and incubation support to transform their concepts and ideas into professional products and services.
MAGIC will offer personal guidance, mentoring, and co-working space in its office. Additionally, the startups will benefit from networking opportunities within the ecosystem for product promotion. They will be provided with a separate booth in the Tata Technologic MAGIC Innovation Hub exhibition and can participate in various online seminars.

Skill development centre for farmers – CSR of PNB

A skill development and training centre for farmers with CSR support from Punjab National Bank (PNB) is being developed at Chhatrapati Sambhajinagar (formerly Aurangabad). The PNB-funded project has received approval from the agricultural department, Government of Maharashtra. The centre will be located at the Paithan Road campus of Vasantrao Naik Marathwada Agricultural University. An MoU was signed between both these institutions for raising the centre. The facility will have resource persons and provide exposure to technology, with an aim to help farmers to enhance their agricultural skills.

Ambulance donation CSR initiative of SBICAPS

SBI Capital Markets Limited (SBICAPS) and its Corporate Social Responsibility (CSR) partner Concern India Foundation recently donated four ambulance vehicles to health centres in Nashik and Chhatrapati Sambhajinagar. This initiative aims to ensure immediate medical attention for patients in emergencies, with the ambulance fully prepared to initiate treatment upon arrival.
One Type C – Advanced Life Support Ambulance, equipped with essential emergency tools such as a ventilator, multipara monitor, suction machine, and automatic defibrillator has been handed over for the health centre at Chhatrapati Sambhajinagar, Gangapur Taluka, THO Office. Additionally, three Type B TRAX ambulances, specifically designed to address immediate first aid requirements, bridging the geographical gap and ensuring prompt initial medical care have been allocated to Pangarne PHC Taluka in Surguna, Thanapada PHC Taluka in Thrimbak, and Kaluste PHC in Taluka Igatpuri, Nashik.
Shri Virendra Bansal- MD & CEO along with SBICAPS team handing over the ambulances to Smt. Ashima Mittal – CEO Zilla Parishad Nashik, IAS & officials from the health department
Shri Virendra Bansal- MD & CEO along with SBICAPS team handing over the ambulances to Smt. Ashima Mittal – CEO Zilla Parishad Nashik, IAS & officials from the health department

Bajaj Water Conservation project

Bajaj Water Conservation project is a flagship programme of Jankidevi Bajaj Gram Vikas Sanstha (JBGVS) in Marathwada region of Maharashtra. The Gangapur taluka of Aurangabad district has been frequently affected by droughts, it received least average rainfall among all talukas between 2001-2011, identified as priority area for water conservation. To address this issue of water crises, Bajaj launched water conservation project in the villages of Gangapur taluka of Aurangabad district. The project is being implemented by the JBGVS and with the help of some partner organizations.
The first phase of Bajaj Water Conservation Project (January 2015 -December 2017) was launched in 51 villages of Paithan, Gangapur Taluka of Aurangabad District.The second phase of the project (December 2017 – March 2022) was launched in 110 villages of Gangapur and Aurangabad Talukas of Aurangabad District. The key activities undertaken during second phase were water resource development, capacity building, livelihood enhancement through alternate livelihoods, soil conservation and plantation, water use efficiency and productivity enhancement.

Sterlite Technologies Ltd’s digital healthcare programme

Optical and digital solutions company STL has implemented a Mobile Telehealth and social behaviour change programme in more than 1200 villages across Aurangabad, Nandurbar, Gadchiroli and other districts in Maharashtra. STL runs its flagship glass, optical fibre and cable facilities in Aurangabad. The company makes extensive efforts towards ensuring the welfare of the communities it operates in, especially rural ones. STL runs various social programmes for education, women empowerment, and healthcare for the underserved in the region.
People living in these rural communities do not get access to quality healthcare services owing to high medical expenses. Through a hybrid healthcare program, STL ensures that they get accessible healthcare services entirely free of cost.
The programme integrates a 24×7 teleconsultation, video consultation and diagnosis and supplements it with physical onsite check-ups, on-call doctors, social behaviour change and awareness efforts and regular specialist health camps for primary ailments. It also maintains digital health records of all the patients so that health-related information is available instantly and securely for future consultation. This delivers scalable last-mile health outcomes for underserved communities. STL has also tied up with nearby hospitals where patients can avail of advanced treatments.
The company recently announced that in the span of over 2 years, the programme has made quality healthcare accessible for over 2 million rural citizens in the region.

STL replenishes 1.4 billion litres of water in 12 villages

On the occasion of World Water Day (22nd March), Optical and digital solutions company STL announced that it has replenished 1.4 billion litres (1.4 million m3) of water in 12 villages of Chhatrapati Sambhaji Nagar (formerly Aurangabad), in Maharashtra, India. The company has designed a water resilience program in partnership with the Village Social Transformation Foundation (VSTF) to improve water and sanitation management in the region.
Aurangabad is a water-stressed region. Women have to walk long distances to fetch water. In summer, reserves dry up quickly reducing water availability. This leads to the need for buying water to meet daily requirements. Village residents spend Rs 50-100 per barrel that can store only upto 200 litres of water. This burdens them with added expenses for agriculture and daily activities.
STL, which runs its flagship glass and optical fibre and cable facilities from Aurangabad, makes extensive efforts around water conservation and replenishment, both in its manufacturing facilities and in rural communities. In Aurangabad, the company declared that they have harvested over 9 million litres of rainwater last year and installed sensor-based sewage treatment, automated dosing systems, and dashboards to recycle wastewater for horticulture. 6 out of 11 STL’s global plants are Zero Liquid discharge certified. Its water management programmes are promoting collective action for addressing water scarcity in the region. This involves forming women-led Self-help groups (SHGs), Farmer Producer Groups, and Water User Groups to augment their representation in local governance plans for village water, sanitation, health, and nutrition committees.

CSR and sustainable initiatives by Škoda Auto Volkswagen India

Leading automobile brand Škoda Auto Volkswagen India Private Limited has several water Conservation and Environmental initiatives including Building Bhandaras, developing watershed management projects in perennial dry zones in Pune; tree plantation programs in Pune and Aurangabad; Oxygen Park and Water conservation park in Chhatrapati Sambhaji Nagar, Maharashtra.
For Women Empowerment, Education and Skill Development, the company offers scholarships to engineering students. Its Mechatronic programme caters to in-class and on-the-shop training and vocational training. The company also funds mini science centres in municipal schools in Aurangabad.
The company has installed a new 980 KW Advanced Solar Power Generation Project at the production facility in Aurangabad, solar panels with higher efficiency to generate 1,475 MWh of power per annum, covering 30 percent of the plant’s annual energy consumption – thereby, contributing to 922 tons per annum reduction in carbon dioxide emissions from the production process.

Canpack – Design for Change

Canpack India Pvt Ltd manufactures metal packaging solutions for food, beverage, and chemical industries. Children are exposed to rote-based learning and old school teaching methodologies in their school classrooms. These practices do not equip them in essential life skills necessary for wholesome education. Canpack’s CSR project Design for Change aims to address the lack of holistic development among school-going children. The objective of the programme is to shift a student’s attitude from ‘can I?’ to ‘I can.’
It encourages students to take charge of their environment and act accordingly to instil leadership skills in them. Their classroom sessions are built on four pillars – feel, imagine, do and share. This approach helps the student develop an evolved thought process that prepares them for the future. Several training programmes are conducted for teachers to enable them with the skills to lead classroom sessions effectively and be prepared to handle the unique problems that the students may face. Kids learn innovative thinking, communication, and teamwork through the programme. The sensitisation of students to be able and responsible citizens of the future is a key takeaway from the project.

Liebherr MIDC Shendra

Liebherr is a German-Swiss multinational equipment manufacturer based in Bulle, Switzerland. The company improved access to water, development and landscaping of the Shendra Maharashtra Industrial Development Corporation (MIDC) area in Aurangabad.
Shendra is an industrial area that has many visitors and passengers that use the highway. The area along the road was not maintained and was an unpleasant sight for visitors and passersby alike. It lacked a provision for safe drinking water for a stretch of five-six kilometre. People had to either buy packaged water or consume unhygienic water at local hotels. Under the initiative, the east and west side of the highway junction was landscaped with a 260 sq.m. lawn at the entrance of the Shendra area. The lighting of the area was also improved under the CSR initiative, catering to the safety norms during dark hours.
Access to drinking water was enhanced through the installation of an RO system at the highway junction providing visitors and passersby with free, clean drinking water 24 hours. The maintenance of the highway junction and the landscaped area is regularly undertaken by Liebherr.

Humane Society International/India launches street dog spay and neuter training programme

To celebrate World Veterinary Day, Humane Society International/India launches an innovative street dog spay and neuter training program to equip veterinary professionals, animal welfare organizations, and relevant government agencies with essential skills to improve the well-being of street dogs. The initiative seeks to address critical challenges in caring for and managing street dogs by improving spay and neuter practices and aligning them with the Animal Welfare Board of India’s 2023 Animal Birth Control Rules.
The multifaceted curriculum covers a range of topics, including street dog survey methodologies, low-stress dog handling, catching techniques, GPS tagging procedures, kennel management protocols, clinic protocols and hands-on spay and neuter surgical training.
The organization launched the program by training nearly 30 vets, paravets and animal care officers ahead of World Veterinary Day at Jivdaya Charitable Trust in Ahmedabad.
“Veterinarians play a pivotal role in shaping the future of animal welfare, and we are thrilled to announce this groundbreaking program on World Veterinary Day,” said Dr. Sanjay Ahir, Senior Manager, Veterinary Training and Capacity Building Program at Humane Society International/India. “At its core, this initiative is about empowering veterinarians and organizations to become champions for street dog welfare and ultimately reduce conflict between street dogs and people. We hope to create a pool of next generation veterinarians and individuals who will further the movement of animal protection,” he added.

 

 

Disclaimer: This media release is auto-generated. The CSR Journal is not responsible for the content.

 

 

 

देशभर के युवाओं को भिलाई स्टील प्लांट देगा हुनर

Fictitious Treatments and Systemic Failures: The Ayushman Bharat Dilemma

Fictitious Treatments and Systemic Failures: The Ayushman Bharat Dilemma
Ayushman Bharat, also known as the Pradhan Mantri Jan Arogya Yojana (PMJAY), is a flagship health insurance scheme launched by the Government of India. It aims to provide health coverage to economically vulnerable sections of society by offering financial protection against catastrophic health expenses.
The scheme primarily targets the poor, deprived rural families, and identified occupational categories of urban workers’ families. Under Ayushman Bharat, eligible beneficiaries receive health coverage of up to Rs. 5 lakh per family per year for secondary and tertiary care hospitalization.
One of the key components of Ayushman Bharat is the creation of Health and Wellness Centers (HWCs) to provide comprehensive primary healthcare services. These centers serve as the first point of contact for healthcare needs, offering a range of services from preventive to promotive healthcare.
Overall, Ayushman Bharat aims to make healthcare more accessible and affordable for millions of Indians, reducing the financial burden of healthcare expenses and improving health outcomes across the nation.
The Ayushman Bharat health insurance scheme has been a significant initiative to provide medical insurance to nearly 107.4 million poor families in India. However, like any large-scale program, there have been instances of fraud and misuse.

One unique ID: Several beneficiaries

One of the most glaring instances of corruption within the implementation of this scheme was uncovered in the registration and identification of beneficiaries.
As per the scheme’s guidelines, a unique PMJAY ID should be assigned to beneficiaries upon successful verification. However, the audit revealed a concerning revelation – 1.57 unique IDs were duplicated in the database, suggesting a serious flaw in the system. The report cautioned that such duplication raises the possibility of ineligible beneficiaries being present in the Beneficiary Identification System (BIS) database.
In addition to Aadhaar numbers, the scheme also relies on beneficiaries’ phone numbers for identification. The audit uncovered a significant number of beneficiaries registered under the same or invalid mobile numbers. For instance, an alarming 7.5 lakh beneficiaries were registered under the mobile number ‘9999999999’, with another 1.4 lakh under ‘8888888888’.
Following the release of the CAG report, an anonymous source from the Union health and family welfare ministry, as quoted by PTI, clarified that the scheme primarily used mobile numbers for communication purposes and to gather feedback on treatment, rather than for verification.
The unnamed official elaborated further, stating, “AB-PMJAY identifies the beneficiary through Aadhaar identification wherein the beneficiary undergoes the process of mandatory Aadhaar-based e-KYC. The details fetched from the Aadhaar database are matched with the source database, and accordingly, the request for Ayushman card is approved or rejected based on the beneficiary details.”

Hospital empanelment without checks

Hospital empanelment, a crucial aspect of the scheme’s implementation, has faced serious lapses and challenges, as revealed by audit findings.
According to the National Health Authority (NHA) database, a staggering 27,649 hospitals have been empanelled across India to provide services under the scheme. This includes both public facilities capable of providing inpatient services and private healthcare facilities. However, despite the extensive empanelment, issues have arisen regarding the fulfilment of essential criteria by Empaneled Healthcare Providers (EHCPs).
In Bihar and several other states such as Andaman and Nicobar Islands, Assam, Chandigarh, Gujarat, Himachal Pradesh, Jammu and Kashmir, Manipur, Nagaland, Puducherry, Tripura, and Uttar Pradesh, physical verification reports of EHCPs revealed significant deficiencies. Out of 23 EHCPs inspected in Bihar, 16 failed to meet essential criteria. Similar situations were observed in other states, where hospitals were empanelled without proper infrastructure and support systems such as medical equipment, operation theatres, ICU care with ventilator support, pharmacy, dialysis units, blood banks, and round-the-clock ambulance services.
Furthermore, auditors discovered instances where empanelment committees approved hospitals without conducting mandated physical inspections. In states like Tripura, Uttarakhand, and Manipur, 163 hospitals were empanelled without sufficient checks, with Tripura leading with 103 such instances. The NHA cited pandemic conditions as the reason for the inability to conduct inspections at these facilities.
Moreover, many empanelled hospitals failed to provide the fixed services they were enlisted for. For example, in Maharashtra, audit findings indicated that hospitals in certain districts did not offer 1,113 types of treatment facilities, compelling beneficiaries to seek treatment in other districts, causing inconvenience and additional financial burden.
This situation not only highlights the shortcomings in hospital empanelment and oversight but also undermines the primary objective of the PMJAY scheme to reduce out-of-pocket expenditure for beneficiaries. Addressing these issues is crucial to ensuring effective implementation and equitable access to quality healthcare services for all beneficiaries.

Missing Hospitals

The presence of hospitals on the empanelled list doesn’t guarantee their active participation in the scheme, let alone the quality of services provided. In Andhra Pradesh, for instance, half of the 1,421 empanelled EHCPs submitted zero claims, indicating a lack of provision of PMJAY services. Similarly, 81 EHCPs submitted only 0-5 claims, raising concerns about their engagement. This trend was observed in other states as well.
The NHA attributed this phenomenon to EHCPs’ reluctance to provide services to PMJAY beneficiaries due to the pandemic. However, the report did not specify the proportion of public versus private facilities exhibiting this reluctance.
Experts and health activists have long emphasized the urgent need to invest in public hospitals to enhance their quality and align them with the prescribed criteria of the PMJAY scheme.
Another challenge hindering scheme implementation is the inadequate ratio of EHCPs to beneficiaries. In Bihar, for instance, despite 100% eligible people being registered under the scheme, there are only 1.8 EHCPs per lakh population, compared to 26.6 in Goa.
Furthermore, EHCPs were found engaging in various malpractices. In Assam, 18 EHCPs provided treatments for non-empanelled specialities, resulting in total claims of Rs 1.27 crore. Despite the scheme’s mandate for cashless transactions, hospitals were found demanding money from patients for various services, leading to their de-empanelment in some cases.
In 11 states, 241 hospitals were de-empanelled from the PMJAY due to low performance and malpractices. However, this action didn’t always halt payments to these hospitals. For instance, despite Ananya Memorial Hospital in Bihar being suspended in August 2019, it received payments totaling Rs 67,900 between 2018 and 2020.
Poor supervision by the State Health Agencies (SHAs) has resulted in instances of excess payments to hospitals. The audit revealed that four states—Andhra Pradesh, Madhya Pradesh, Punjab, and Tamil Nadu—made excess payments amounting to Rs 57.53 crore.
Lastly, the auditors criticized the NHA for inadequate supervision over SHAs and for releasing funds to them even when they had not met their own spending obligations or when funds were lying unspent. Addressing these issues is essential to ensure effective implementation and accountability within the PMJAY scheme.

Other malpractices

The auditors uncovered widespread corruption in insurance claims settlement, highlighting serious lapses in validation procedures by the State Health Agencies (SHAs) before releasing funds to empanelled hospitals.
A staggering 2.25 lakh cases revealed discrepancies where the date of surgery was shown to be later than the date of discharge, indicating potential fraudulent practices. Maharashtra alone accounted for over 1.79 lakh such cases, amounting to claims totaling over Rs 300 crore.
Additionally, some hospitals submitted claims and received payments for dates preceding the scheme’s inception, while in other instances, funds were transferred to hospitals before claims were even submitted. Furthermore, patients above 18 years of age were erroneously treated under paediatric speciality packages.
The audit also unearthed alarming anomalies, including 45,846 cases where the date of discharge preceded the date of admission. Moreover, multiple instances were found where one patient was shown to be simultaneously hospitalized in multiple facilities.
Another concerning revelation was the submission of claims for individuals listed as “deceased” in the database. Despite data indicating 88,760 patient deaths during treatment, claims for fresh treatments were settled for 2,14,923 deceased patients, totaling almost Rs 7 crore across 24 states and union territories. The highest number of such cases occurred in Chhattisgarh, Haryana, Jharkhand, Kerala, and Madhya Pradesh.
Additionally, malpractices led to the cancellation of lakhs of beneficiary cards shortly after registration. However, the Transaction Management System (TMS) failed to restrict pre-authorization requests for claims against these cancelled cards, resulting in payments totaling Rs 71.47 lakh.
Despite alerts generated by the National Health Authority (NHA) cautioning against 11.04 lakh bogus beneficiaries, SHAs only investigated 7.07 lakh cards. Gujarat, Madhya Pradesh, Meghalaya, and Uttar Pradesh reported the highest number of fraudulent claims.
These findings underscore the urgent need for stringent oversight and reforms to prevent and address fraudulent activities within the scheme, ensuring that funds are used appropriately and beneficiaries receive the intended benefits.

Extension of CSR programme benefitting less privileged school children in India

New Delhi, India: FUJIFILM India, a leading company into Healthcare, Electronics, Imaging and Business Innovation reaffirms its commitment to community development and education through extension of the FUJIFILM India Model School Program. Expanding upon the impactful strides made during its CSR endeavors in 2022-23, which breathed a new life into three schools in MG Road, Gurugram and Jajru, Faridabad, FUJIFILM India persists in its mission to broaden educational opportunities for less privileged children. This initiative is in line with the brand’s Group Philosophy of “Giving Our World More Smiles”.
Last year, FUJIFILM India undertook a transformative initiative by revitalizing three government schools in Haryana. FUJIFILM India refurbished and remodeled the Government Primary School located in the heart of Sushant Lok, Gurugram, Haryana into the FUJIFILM India Model School, making it a modern and inspiring space where students can thrive and revamped the Government Middle School of the village Jajru in Faridabad, Haryana.
This year, FUJIFILM India focused on sustaining the progress made in the previous academic session by undertaking the Annual Maintenance of both schools along with providing essential supplies such as bags, stationaries, and shoes to the students. These efforts aim to alleviate some of the burdens faced by students and educators while fostering an environment conducive to learning.
Investing in education not only benefits individual students but also has far-reaching implications for the broader society. By equipping students with the knowledge and skills they need to succeed, FUJIFILM India contributes to the overall advancement and prosperity of the community.
Reflecting on the forward-thinking initiatives undertaken by the company, Mr. Koji Wada, Managing Director of FUJIFILM India, shared, “As a responsible corporate citizen, FUJIFILM India has been doing its best to provide support to weaker sections of the society. Be it the TB Screening Campaign in Gujarat which is revolutionizing TB detection in India or our FUJIFILM Model School program which is supporting government schools and their students in whatever small ways we can, our mission is to reach to the last person in the society so that they can benefit from our activities. Today’s activity at the school in Gurugram is an example of how we follow our group purpose “Giving our World More Smiles.” Through our sustainability activities.”
Mr. Abhi Shekhar Singh, Vertical Head, Corporate Communications and CSR voiced, “The CSR Activity at Gurugram and Jajru in Faridabad are an extension to what we started last year. The thought from our side was to continue maintaining the schools that we refurbished and support the students with minimum basics of what we can. In this thought, we prepared school bags, shoes and a stationary kit for each kid and gave it to them at the very start of their academic sessions. We were of the idea that such goods for the children will motivate them about the new session and classes that they are starting and will help them understand the importance of education.”
The previous initiative undertaken by FUJIFILM India resulted in a tangible increase in student attendance and engagement, underscoring the importance of continued investment in education. By revitalizing the schools and providing ongoing support, FUJIFILM India aims to empower students to unlock their full potential and pursue their dreams. Through partnerships, innovation, and dedication, FUJIFILM India continues to be a catalyst for progress and transformation in the realm of education.

 

 

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CSR initiative Screens over 2,24,000 for Eye Health in Tamil Nadu

Select CSR initiative Screens over 2,24,000 for Eye Health in Tamil Nadu CSR initiative Screens over 2,24,000 for Eye Health in Tamil Nadu
In a historic collaboration, Titan Company Ltd. and Sankara Eye Hospital have spearheaded the first-of-its-kind initiative in the state of Tamil Nadu aimed at tackling the pressing issue of cataract blindness backlog. With over 2,24,000 individuals screened and 3174 free cataract surgeries performed, the program signifies a revolutionary step forward in community eye care. 
Employing the innovative Key Informant Methodology (KIM), the program engaged local communities in identifying and treating eye diseases,empowering them with essential skills and tools. This grassroots approach led to the successful treatment of 17,001 persons with various eye ailments, including 9153 provided with free corrective spectacles. Additionally, the collaboration extended its services to include the treatment of other eye disorders such as Glaucoma, Retina, Cornea, and Occuloplasty, with a total of 367 specialty surgical procedures performed thus far.
In Annur Taluk alone, the program achieved an impressive 100% coverage of all villages, conducting 884 surgeries and issuing 3927 spectacles within 18 months. Prior to this initiative, Titan’s monthly Gift Of Vision outreach camps typically saw 10 to 12 cases per month, a figure that has now quadrupled. Notably, the initiative has not only restored sight but also empowered communities, with an estimated monetary benefit to society of Rs. 14.32 Crores.
Mr. N E Sridhar, Chief Sustainability Officer, Titan Company Limited, expressed pride in the project’s outcomes, emphasizing Titan’s commitment to social responsibility and community welfare. “Titan is honored to support this historic initiative, which has brought light and hope to thousands across Tamil Nadu. We stand with Sankara Eye Hospital in our shared mission to pioneer impactful change in people’s lives. As we celebrate the accomplishments achieved thus far, we remain resolute in our mission to drive awareness for eye health for a brighter future. Together with Sankara Eye Hospital and our collaborative efforts, we are committed towards our shared vision of a cataract free Tamil Nadu.” 
The Key Informant Methodology (KIM) is a revolutionary social mobilization strategy aimed at enabling community-based diagnosis, treatment, and provision of assistive devices for people with disabilities in hard-to-reach regional and rural areas with low to middle-income demographics. Key Informants, including Self Help Groups, college students, Panchayat staff, and local NGO personnel, were identified and trained by Titan’s medical team to conduct basic eye screenings and online data collection. Equipped with screening kits, these informants played a crucial role in identifying individuals within their communities and referring them to our community outreach programs, supported by a stipend.
Moving forward, the program will continue to ensure comprehensive treatment for all remaining blind patients, advancing towards the vision of a cataract free Tamil Nadu. Through continued collaboration with Sankara Eye Hospital and other partners, Titan remains dedicated to expanding access to quality eye care services with the aim to drive positive change and make a lasting impact on the lives of communities across Tamil Nadu.
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CSR: SBICAPS and Concern India Foundation handover 4 Ambulances to Health Centres at Nashik & Chh.Sambhajinagar

CSR: SBICAPS and Concern India Foundation handover 4 Ambulances to Health Centres at Nashik & Chh.Sambhajinagar
Recognizing the critical necessity for enhanced healthcare accessibility, SBI Capital Markets Limited (SBICAPS) and its Corporate Social Responsibility (CSR) partner Concern India Foundation have made available four ambulance vehicles to health centres in Nashik and Chh. Sambhajinagar. One Type C – Advanced Life Support Ambulance, equipped with essential emergency tools such as a ventilator, multipara monitor, suction machine, and automatic defibrillator has been handed over for the health centre at Chh.Sambhajinagar, Gangapur Taluka, THO Office. Additionally, three Type B TRAX ambulances, specifically designed to address immediate first aid requirements, bridging the geographical gap and ensuring prompt initial medical care have been allocated to Pangarne PHC Taluka in Surguna, Thanapada PHC Taluka in Thrimbak, and Kaluste PHC in Taluka Igatpuri, Nashik.
The ambulances were handed over to the respective PHCs at the Zilla Parishad office in Nashik by the SBICAPS team comprising Shri Virendra Bansal – MD & CEO, SBICAPS & Shri Shesh Ram Verma – President & COO, SBICAPS amongst others. The event was graced by representatives from the Nashik and Chatrapati Sambhajinagar Health Departments – Shri Jalaj Sharma, Collector, IAS, Smt. Ashima Mittal, CEO Zilla Parishad Nashik, IAS, Dr Kapil Aher – Deputy Director, Nashik Division (Health), DHO Dr Sudhakar More Sir, District Health Officer, Nashik & Dr Charudatta Shinde – Civil Surgeon – Nashik, Dr. Tupe, THO Gangapur and the Concern India Foundation team.
SBICAPS, as part of its CSR efforts has been working in partnership with Concern India Foundation for the last four years towards strengthening the basic infrastructure of health centres at Raigad and Nashik districts of Maharashtra. Since 2020, SBICAPS has been working towards making basic healthcare facilities accessible to all and has supported 15 Primary Healthcare Centres (PHC) and 1 Community Healthcare centre in Karjat, Raigad, Palghar and Nashik districts of Maharashtra.
Speaking on the occasion, Shri Virendra Bansal, MD & CEO, SBICAPS said “This initiative is a continuation of our efforts to strengthen healthcare services at the ground level across Maharashtra and particularly these 4 centres where we have provided these ambulances. We truly believe that strengthening sub-centres and primary health care centres not only addresses the health and well-being of millions but also decreases mortality numbers. Today, with this handover, we are hopeful that the advanced life support ambulance for Chhatrapati Sambhaji Nagar (Aurangabad) and these 3 ambulances for PHCs in Nashik will facilitate the timely transfer of patients to the respective district hospital during emergencies, ensuring better healthcare outcomes and saving precious lives”.
“Concern is committed to enhancing healthcare accessibility. This is part of our ethos of empowering communities for a healthier tomorrow. We have provided advanced ambulance services in Nashik, to bridge the gap in healthcare access, ensuring that no one is left behind in times of need.” Kavita Shah, CEO, Concern India Foundation
Indian public healthcare system, as per Indian Public Health Standard norms, is structured into three levels: primary, secondary, and tertiary. Particularly, the rural population, especially the impoverished, rely heavily on the services provided by the Sub-health centre and PHC. However, the current healthcare infrastructure faces challenges due to inadequate facilities at the sub-centres, leading to a surge in patients seeking emergency care at the PHC or district hospital. This influx of patients places significant strain on the PHC, making it difficult to effectively cater to the needs of these sub-centres. Despite the presence of a three-tier healthcare system, timely access to medical facilities remains an issue, particularly during emergencies and for secondary-level illnesses. This is primarily due to the remote locations of interior regions and limited transportation options.
This initiative aims to ensure immediate medical attention for patients in emergencies, with the ambulance fully prepared to initiate treatment upon arrival.
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