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Welcome to the CSC Ecosystem
Congratulations on becoming a part of the 11 Lakh strong Common Service Centre (CSC) family as a
Village Level Entrepreneur (VLE) You would have already recieved your 12 digit CSC ID and the login
password and started this exciting journey. The concerned District Team Member will visit you shortly to
provide handholding support and demonstrate various services.

CSC e-Governance Services India Limited, a Special Purpose Vehicle (CSC SPV), was incorporated in
July, 2009 to provide a centralized, collaborative framework for service delivery to citizens through
Common Service Centers, while ensuring the viability and sustainability of the initiative.

As a VLE, you are now at the forefront of empowering your community by offering digital services such
as Utility Bill Payments, e-recharge, PAN services, Social Welfare schemes, Financial Services,
Educational & Skill Development courses, Healthcare, Agriculture services, Digital Literacy, and Travel
related services among others, and bridging the gap between government and citizens.

This Welcome kit will guide you through your roles and responsibilities, the functioning of the Digital
Seva Portal, Digipay App and e-Grameen Store App and others, and how to manage and deliver services
effectively.

1. Requirements for a functional CSC

1. Adequate business space. The Recommended space is minimum of 50 sq ft or above.

2. Following hardware and software are recommended
a. Minimum of 1 PC (Desktop/Laptop) loaded with the latest Windows Operating system,
preferably having Google Chrome/Mozilla and having internet.
b. Power Back-up (UPS / Genset etc)
c. Minimum 1 Printer (Deskjet/Laser)
d. Digital / Web Camera
e. Internet Connectivity (Broadband / Wi Fi / Data Card etc)
f. Furniture
g. Biometric and or Iris Devices required for Digipay / Banking / Aadhaar and other services
requiring Bio Authentication

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2. Common Service Centres: Creating Wave of Rural Enterpreneurship

Even today, in remote parts of the country, citizens often have to travel to distant cities for basic services.
For instance, in some panchayats, an MNREGA worker may need to go 70-80 kilometers to reach a bank
branch, losing a day’s wages in the process. This results in a loss of both time and money. However, with
CSC centers now established in almost every panchayat across the country, essential services are available
at citizens’ doorsteps.

Operating a CSC has become a career path for Village Level Entrepreneurs (VLEs). Many VLEs earn
significant monthly incomes by offering Government and other realted services to citizens through
Common Service Centers. Thus, CSCs not only empower rural communities but also create promising
entrepreneurial opportunities. These VLEs are creating employment opportunities in rural India.

CSCs offer assisted access to e-services in India, focusing on enhancing governance. Apart from delivering
essential government and public utility services, CSCs also deliver a range of social welfare schemes of
central and state governmentfinancial services, educational courses, skill development courses, healthcare,
agriculture services, and digital literacy.

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3. Role of a Village Level Entrepreneur (VLE)

As a Village Level Entrepreneur (VLE), you play a crucial role in connecting the digital world to your
community. You are the primary contact point for citizens accessing digital services at the local level and
your contribution is vital in enabling digital inclusion.

Maintaining a good appearance of your center is essential. This involves ensuring general cleanliness, an
organized workspace, and a professional setup that creates a welcoming environment for citizens.
Additionally, it is important to effectively communicate the availability of services at your center. Having
proper signage, which clearly displays the services offered, not only helps in promoting the services but
also instils confidence among citizens visiting your center..

To assist you in this, a sample board design is provided below for your reference

For more details & approved designs you can visit the CSC Jaankari Suvidha Portal on
https://jaankari.csccloud.in/.

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4. Overview of Digital Seva Portal

The Digital Seva Portal (DSP) allows you to access and deliver a wide range of services under the CSC
scheme. This user-friendly portal facilitates real-time service delivery, ensuring transparency, efficiency,
and seamless transaction management.
Through the DSP, VLE can provide various services including Government-to-Citizen (G2C) services,
Business-to-Citizen (B2C) services, banking and financial services, state-centric services, and many more.
Majority of services on DSP are carried out using the CSC Wallet, which is created immediately along
with the creation of your CSC ID. Please ensure that your wallet is sufficiently funded so that the
transactions can be carried out successfully. A certain minimum balance needs to be maintained in the
wallet. The process of activation is explained in the video below.
For your convenience, the process of wallet activation and an introductory video on the DSP process flow
is provided below.

https://drive.google.com/file/d/1Nc7riCgqBKghUB7pHbqGEaNVZRBPT4Pv/view?usp=drive_link

Important Note: Bio Authentication will be mandatory for all VLEs each month. Upon their first login
every month, VLEs will receive an automated notification on the Digital Seva Portal prompting them to
complete Bio Authentication. Please note that transactions will only be allowed with successful Bio
Authentication once a month

4.1 Wallet Topup

The following video explains the Wallet Topup process using various banking / UPI channels:

https://drive.google.com/file/d/1BnHiaw-PEA5x4NrWi6JXDNKY1bbGjb9_/view?usp=drive_link

It is also possible to topup the wallet using Digipay

Step 1: Open DigiPay account either in the form of mobile application or browser
Step 2: Login into the system through respective User ID and password
Step 3: Go to Wallet Top-up option under DigiPay
Step 4: Enter your details along with the amount to be recharged
Step 5: After completion of scanning process, DSP wallet will be recharged
Step 6: After successful transaction, receipt can be downloaded from DigiPay dashboard and same will
be reflected under your wallet details in Digital Seva Portal

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DSP Portal Logging in Tips & Tricks
1. Do not share your Login Details & Wallet Pin with anyone.
2. Periodically change your portal password & wallet pin – prefereably every 15 days. Choose a
strong password as per the guidelines on DSP.
3. In case of repeated failure on any login / services, please clear the Temp Files, Cookies & Data
Cache.
4. Regularly check notifications & alerts on the portal to stay updated on the actions that require
your attention for smooth operations.

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5. List of Services You Can Provide

The following are some of the key services that you can offer as a VLE:

G2C Services • Pradhan Mantri Jan Arogya Yojana (PM-

• PAN Card Services JAY)
• Passport Applications Agriculture
• *Birth/Death Certificates • Agriculture
• *Land Records • Tele Consultancy
• Utility Bill Payments (Electricity, (Crop and Livestock advisory to farmers)
Water, Gas) • CSC e-Agri Portal -
• Pension Schemes such as NPS (https://agri.csccloud.in)
B2C Services • All types of Agri products and tools of
• Mobile/DTH Recharges different brands (Seeds, Fertilizers,
• Travel Ticket Bookings (Bus, Flight) Pesticides, equipment etc.)
Education and Skill Training Services • B2B Services (for License holders VLE /
• NIELIT certified programs FPO / Society)
• NIOS programs • B2C Service (for individuals/VLE)
• Preparation for Govt Jobs • Soil Testing
• Employability enhancement programs (Soil Health card and Recommendations)
• CSR Project execution
PM Welfare Scheme
Financial Services • Pradhan Mantri Kisan Maandhan Yojana
• Loan Lead Generation • E-Shram Yojana
• National Pension Scheme (NPS) • Pradhan Mantri Samman Nidhi Yojana
• DigiPay • Pradhan Mantri Fasal Bima Yojana
• Pradhan Mantri Laghu Vyapari
Health Services Maandhan Yojana
• Telemedicine and Tele-consultation

*State specific services are available in some states.

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6. Other Services with Eligibility Criteria

6.1 DigiPay

DigiPay is a Fintech Platform, developed by CSC SPV to help increase financial inclusion in the country.
Once your centre has been visited by District Manager / District coordinator, then based on satisfactory
report you will be on boarded on to Digipay Platform for enabling your ID for transactions.

Services Offered:

• Cash Withdrawal
• Cash Deposit
• Mini Statement
• Balance Enquiry
• Domestic Money Transfer
• Micro ATM
• Aadhar Pay
• Digital Seva Portal Wallet Top up.

Benefits

• Financial Inclusion: Enables people in rural areas to access basic Banking Services without having to
visit traditional bank branches.
The process for registration can be seen in the following video.

https://drive.google.com/file/d/1us9mzV0xIAH9H4Y14wXgp8sSjZHqCWRx/view?usp=drive_link

• Accessibility: Makes banking and financial services available to those who might not have easy access
to traditional banking infrastructurey
• Computer/Laptop or Android Smart Phone
• Biometric Devices (Fingerprint/ IRIS)
• Internet Connectivity
• Printer (For Receipt)
• UPS for Power Back up
• Micro ATM Device

For complete information on Digipay please visit CSC Jaankari portal at:

https://jaankari.csccloud.in/digipay-main.html

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6.2 Banking Services

CSC e Governance Services India Ltd provides opportunity to limited number of VLEs to provide banking
services to citizens by becoming a Bank Business correspondent after fulfilling certain conditions. A Bank
Business Correspondent (BC) is an authorized agent who acts on behalf of a bank to provide banking and
financial services in underserved or rural areas, to increase financial inclusion by extending banking
services to areas where physical bank branches may not be present.

Bank Business Correspondents play a critical role in enhancing financial inclusion and connecting rural
populations to formal banking systems. They are also playing a role effectively in Urban and Metro
Locations across the country. They are a key component in driving economic growth through broader
financial access.

CSC e Governance Services India Ltd is Corporate BC for all major Public and Private sector banks and
their Regional Rural Banks.

Why should you become a Bank BC?

(1) Sizable Income from BC operations

BCs can generate significant income through BC operations. In addition to transaction-based commissions,
banks provide attractive commissions on Loan Lead Generation and NPA Recovery. Many banks also offer
incentive for mobilization of deposits in the accounts opened through BCs.

(2) Promoting Financial Inclusion

• Reaches under-banked and un-banked populations in remote areas.
• Provides essential banking services to those with limited access to traditional banks.

Who can become a Bank BC

• VLE should have IIBF certification.

• VLE should have Minimum qualification 12th Pass.
• VLE CIBIL Score should be more than 650+ (CIBIL Requirement may vary bank to bank).
• Should not be an existing BC of any bank.
• VLE should have valid Police Clearance Certificate.
• Should be an Active and Transacting VLE in CSC Platform
• VLE should have been associated with the CSC Ecosystem for a minimum of 6 months.
• VLE should have Laptop/Desktop, printer and Biometric.
• VLE should have Basic knowledge of computers and banking services.

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The availability of code would depend on the requirement of the banks and VLEs Centre distance from the
banking branch
For complete information on banking products and services please visit CSC Jaankari portal at
https://jaankari.csccloud.in/banking-services.html.
A complete list of the available banks is given below:
PSU Banks Tripura State Co-Operative Bank Ltd
Indian Bank Tripura Gramin Bank
Central Bank of India Prathma UP Gramin Bank
Punjab National Bank Bangia Gramin Vikas Bank
State Bank of India Sarva Haryana Gramin Bank
Bank of Baroda BRKG Bank
UCO Bank Mizoram Rural Gramin Bank
Bank Of India Utkal Gramin Bank
Chhatisgarh Gramin Bank
Pvt Sector Banks RGB Bank
IDBI Bank Himachal Gramin Bank
Axis Bank Baroda Gujrat Gramin Bank
HDFC Bank Meghalaya Rural Gramin Bank
Punjab Gramin Bank
Regional Rural Banks (RRB) Vidarbha Konkan Gramin Bank
Baroda U.P Gramin Bank Madhya Pradesh Gramin Bank
Dakshin Bihar Gramin Bank Uttarakhand Gramin Bank
Rajasthan Marudhar Gramin Bank Manipur Gramin Bank

6.3 National Pension Scheme (NPS)

The National Pension Scheme is a Post Retirement benefit scheme regulated by the Pension Fund
Regulatory Authority of India (PFRDA). This scheme has now been made available to all citizens including
the unorganised sector workers. This scheme is being offered through CSCs under licence by PFRDA. You
can help your community in planning for their retirement and at the same time earn attractive instant
commissions on each transaction
For complete information on banking products and services please visit CSC Jaankari portal at
https://jaankari.csccloud.in/nationalpesion-services.html.

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6.4 Tour & Travel

Under the CSC Safar Portal, VLEs can provide a wide range of travel-related services, including train,
air, and bus ticket bookings, hotel reservations, forex services, and tour packages.

Train Ticket booking through IRCTC

To register for IRCTC services, please visit https://cscsafar.in/. Below are the requirements for
registration:

1. Mobile Number & Email ID: These should not be pre-registered on the IRCTC Portal.

2. IRCTC Registration Fees: INR 1180/- (Inclusive of GST) - Non-Refundable.

Advantages of IRCTC Registration through CSC

• Lifetime Validity: The Agent ID is valid for a lifetime without any additional cost (subject to IRCTC's
terms and conditions).
• Unlimited Ticket Booking: VLEs can book unlimited tickets.
Attractive Commissions: VLEs earn commissions on every ticket booked.

Flight Ticket / Bus Ticket / Hotel booking:

No registration fee is required to avail these services. These are accessible to all CSC VLEs through the
Digital Seva Portal or https://cscsafar.in using CSC Connect. VLEs can earn attractive commissions and
markups on every booking.

For complete information on Travel & Tour services please visit CSC Jaankari portal at
https://jaankari.csccloud.in/tours-travels-main.html

The following video has details for availing all of the above services.

https://drive.google.com/file/d/1WyGy_g4t49ix7WEi4waSiK9wwlQhbVFe/view?usp=drive_link

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6.5 Insurance services

CSC SPV offers a lucrative opportunity for VLEs to earn a steady income with minimal effort by providing
general (motor, health, and others) and life insurance services. To engage in the Insurance Business, VLEs
must be certified as either a Rural Authorized Person (RAP) or VLE INS. CSC SPV collaborates with
various leading companies in the insurance sector, providing a broad range of products and services.

Benefits of Certification under CSC SPV

• Online hassle-free licensing.

• Over the counter policy issuance.
• Access to multiple companies under one portal.
• VLEs can sell both Life & General Insurance products.

Life Insurance General Insurance – Motor, Health & others

1. India First Life 1. Bajaj Allianz
2. Life Insurance Corporation (LIC) 2. Chola MS
3. Shriram Life 3. Go Digit
4. Tata AIA Life 4. HDFC ERGO
5. SBI Life Insurance 5. ICICI Lombard
Life Insurance Renewal Premium Collection 6. IFFCO TOKIO
1. India First Life 7. New India Assurance
2. Life Insurance Corporation 8. Reliance General
3. Shriram Life 9. SBI General
4. Tata AIA Life 10. United India
5. SBI Life Insurance 11. Universal Sompo
6. Max Life Insurance 12. Star Health and Allied Insurance
7. ICICI Prudential Life Insurance 13. Tata AIG
14. Agriculture Insurance Company (Cattle
Insurance)

Process Flow for Becoming a Licensed RAP / VLE INS

Step 1: Register for RAP / VLE INS by logging into Digital Seva Portal and click on Insurance option.
Step 2: Under that select VLE INS/RAP Registration option and click on RAP Registration.
Step 3: Fill all details of RAP registration form.
Step 4: Pay the prescribed fee for RAP or for VLE INS (as required).
Step 5: You will get the Login ID & Password for training & examination.

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Step 6: Once you complete the online modules you can take the exam as per the process.
Step 7: On clearing the exam, you get the IRDA certificate to carry out Insurance business through CSC
SPV.
For complete information on Insurance products and services please visit CSC Jaankari portal at
https://jaankari.csccloud.in/insurance-main.html
The Process for registration & certification for RAP is explained in the following video:
https://drive.google.com/file/d/1CyPycjxelgxDcxWLKSDvlTEXPvOQ8kbV/view?usp=drive_link

6.6 Grameen e-Store

CSC Grameen E-Store is an e-Commerce inititaive by CSC SPV to facilitates digital ordering and doorstep
delivery. It not only opens up business opportunities for the VLEs, contributing to their financial
betterment, but also promotes “Vocal for Local” movement by partnering with Local manufacturers like
SHGs, Farmers, MSMEs, and others.

The services of Grameen e-Store Services are accessible through the “Grameen e-Store VLE APP”, which
can be downloaded from the Google Play Store and Apple App Store. VLEs can register as per the process
outlined in the Onboarding Process Video

https://drive.google.com/file/d/1SDU4j6Rc2eAAa0FO5X6DA2E9vd-S3rHM/view?usp=drive_link

Most products available on the CSC Grameen e-Store VLE App are priced competitively compared to
other e-commerce platforms and traditional channels. As a new VLE, you can also purchase essential
products for your CSC center, such as laptops, printers, desktops, desktop accessories, biometric devices,
mATM, and many more, at better-than-market prices. You can also buy Coolers, ACs, Kitchen and home
appliances, Food items and many more from this app.

Apart from products purchase you can get extra discounts in 4 Wheelers and 2 Wheelers and can earn even
by referral of 4 Wheeler, 2 Wheeler and even cement. Plaese contact your SPOC of Grameen eStore of
your state for any help.

For complete information on Grameen e-Store please visit CSC Jaankari portal at
https://jaankari.csccloud.in/grameen-estore-main.html

More than 800 services are provided under the CSC umbrella. To know more visit Jaankari Suvidha
Portal:https://jaankari.csccloud.in/

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7. VLE Support System

CSC has established a comprehensive support system to assist VLEs in resolving any issues or addressing
queries related to CSC services.

1. Escalation Matrix
a. The first point of contact for support is your respective District Manager. Their contact
details, including email ID and mobile number, can be found in the Profile section of the
DSP. The District Manager will guide and support you for all CSC-related matters.

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 b. In case the District Manager is unable to help / resolve your concern, you may escalate to
the service SPOC (Single Point Of Contact) at the State level. The State SPOC details are
also available on DSP in the Profile section.
c. The State Head is available for further escalation at the State Level in case the problem is
not resolved and their details are also available on the DSP profile section.
d. If required, you may also contact the respective Service Business Head at the Head Office.
The final level of escalation in the system remains with the Managing Director & CEO CSC
SPV. All contact details are all avaialble on the DSP “My Profile” section.

2. Digital Channel
a. There is a “Ticketing System” available on DSP. All transaction related issues need to be
raised through the DSP ticket process. A ticket number will be automatically generated
which may be used to track the response within a set time frame. The short video below
outlines the ticketing process.
https://drive.google.com/file/d/14EYRXi-RVX6kqBMLLkXe211c4SODcpIX/view?usp=drive_link
b. There is a dedicated Helpline number 14599 available from Monday to Saturday from 9:00
AM to 6:00 PM, where you may call for any queries that you might have, related to the
portal, services and any other queries

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8. Dos and Don’ts for VLEs

By following these Do’s and Don’ts, you will build a reputation of trust and efficiency in your community,
driving digital transformation and making essential services more accessible.
Do’s
Provide Quality Customer Service:
• Treat every citizen with respect, and professionalism.
• Ensure timely and accurate delivery of services.
• Clearly explain processes and charges to citizens and provide a receipt for every transaction.
Follow CSC Guidelines:
• Adhere strictly to the protocols and guidelines provided by CSC SPV. Refer to CSC guidelines
(https://digitalseva.csc.gov.in/web/legal)
• Regularly check for updates and announcements on the Digital Seva Portal.
• Use only the official CSC Channels for communication, avoid fraudulent Social Media handles. Please refer to
the last page of this document (Welcome Kit) for the official channels.
• Obtain a Police Clearance Certificate yearly, as mandated.
Maintain Transparency:
• Charge citizens only the approved service fee as mentioned on the portal.
• A rate chart for Government Services is to be prominently displayed at your center.
• Issue valid receipts for every transaction, and maintain a transparent records of all activities.
Promote Digital Literacy:
• Educate your community about the benefits of digital services available through your CSC centre.
• Encourage people to use digital payment options like DigiPay.
Ensure Security of Data:
• Maintain the privacy and confidentiality of citizen data.
• Follow data security measures when handling sensitive information of citizens such as Aadhaar and financial
records.
Keep Infrastructure Up-to-Date:
• Equip your self with the necessary hardware to provide services efficiently.
• Keep your Digital Seva Portal account and software updated to the latest versions.
Provide Correct and Valid Information:
• Verify documents submitted by citizens with originals to ensure validity.
• Ensure accuracy when entering information into the portal to avoid processing errors.
Engage in Training Programs:
• Regularly participate in training sessions and workshops conducted by CSC SPV to stay updated on new
services, technologies, and processes.
• Stay informed through the communications sent out by CSC SPV.
Maintain Professional Conduct:
• Always dress neatly and maintain a clean, welcoming CSC centre.
• Communicate clearly and politely with citizens, building trust and goodwill in your community.
Use Official Channels for Support:

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 • For any technical issues or questions about services, utilize the official CSC helpdesk or grievance redressal
system for assistance.
Regularity in Transactions
• Please login & carry out transactions regularly – non transacting CSC IDs may be deactivated after a certain
period.

Don’ts
Don’t Deny Service:
• Never refuse service available through CSC to any eligible citizen based on personal bias or
discrimination.
• All citizens, regardless of background, should have equal access to services

Don’t Engage in Fraudulent Practices:

• Never engage in any unethical activities such as forging documents, providing false information, or
conducting unauthorized transactions.
• Refrain from using illegal shortcuts for quicker processing of services.
• Do not use Customers’ Credit or Debit Card for recharging your Wallet
Don’t Leave Your Centre Unattended:
• Always ensure that your CSC centre is operational during working hours. Leaving the centre
unattended may cause inconvenience to citizens and result in a loss of business.
Don’t Share Your Login Credentials:
• Never share your CSC ID, password, wallet PIN or any other CSC credentials with anyone.
• Unauthorized access to your account could lead to fraud or misuse of services.
Don’t Tamper with Equipment:
• Avoid tampering with CSC SPV provided hardware and software. If any issues arise, contact the
official support team for assistance.
Don’t Ignore Complaints:
• Never neglect or ignore citizen complaints or concerns. Address their issues professionally, or escalate
them through the appropriate channels if needed.
Don’t Spread Misinformation:
• Ensure you provide accurate and up-to-date information about services available at CSC. Misinforming
citizens can lead to confusion and distrust.

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9. Official Mail-Ids of Different Departments

Here are some important CSC Services Email IDs

Department and their Email-Ids

To know more about CSC Wallet, write us at: [email protected]
To raise your concern contact Helpdesk and write us at: [email protected]
To know more about Aadhaar write us at: [email protected]
To know more about DigiPay, write us at: [email protected]
To know more about CSC Health write us at: [email protected]
To know more about Insurance, write us at: [email protected]
To know more about CSC Grameen e-Store write us at: [email protected]
To know more about service of Axis Bank, write us at: [email protected]
To know more about CSC Safar write us at: [email protected]
To know more about Unimoni services, write us at: [email protected]
To know more about Fastag services, write us at: [email protected]
To know more about service of HDFC Bank, write us at: [email protected]
To know more about Loan, write us at: [email protected]
To know more about NPS service, write us at: [email protected]
To know more about PAN Cardservice, write us at: [email protected]
To know more about DTH Recharge service, write us at: [email protected]
To know more about Recharge services, write us at: [email protected]
To know more about CSC Skills, write us at: [email protected]
To know more about Tele-Law, write us at: [email protected]
To know more about CSC DigiSign, write us at: [email protected]
To know more about PM Vishwakarma, write us at: [email protected]
To know more about GeM service, write us at: [email protected]
To know more about CSC Marketing, write us at: [email protected]
To know more about TEC Registration, write us at: [email protected]
To contact the Vigilance Department, write us at: [email protected]

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Being a CSC VLE, you are not only enhancing your livelihood as an Entrepreneur but also supporting and
guiding your local community by providing Citizen Centric Services and also providing Skilling and
Education opportunities to the community specially Youth to become self-independent financially.

Welcome once again to the CSC family, and we wish you success in your journey as a Village Level
Entrepreneur!

Stay Connected
For more information, visit:

CSC GOV: https://www.csc.gov.in

CSC SPV: https://cscspv.in/

Jaankari Suvidha Portal: https://jaankari.csccloud.in/

Call: For VLEs: 14599

For Citizens: 011 – 49754923/ 24

Follow us on social media for updates!

Organization “X” handle: https://twitter.com/CSCegov_

MD & CEO “X” Handle: https://x.com/sanjaykrakesh

Facebook: http://www.facebook.com/cscscheme

YouTube: https://www.youtube.com/user/CSCSCHEME

LinkedIn: https://www.linkedin.com/company/common-services-centers-official/

Instagram: https://www.instagram.com/commonservicescenters/

WhatsApp Channel: https://www.whatsapp.com/channel/0029Va5pY1EJpe8avzCDsy2f

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