“instant services for the smart customers of

For internal training & circulation 1

“Instant services for the smart customers of tomorrow”

Sahaj is the largest SCA (Service

Centre Agency) entrusted by Govt.

of India to undertake e-

governance programmed in some

States

Present in 23 States covering 469

districts, 4484 blocks with more

than 110,000 Sahaj Mitrs

Started operation in 2007 and created

world’s largest e-Service Centers on an

internet kiosk model

About Sahaj

Expanding business operations to small towns and pan India

presence

In 23 states *

For internal training & circulation

only

4

• Sahaj journey started in 2007 with only 6 centers and 3 services. Today we are present in 23 States of India with over 30 or more services.

• 1,10,000+ Sahaj Kendras • One lakh ten thousand happy Sahaj Mitr • Business opportunity with Govt services as well as well

know Brands national and international. • Easy to understand business model with personalized

portal access and wallet services. • Excellent customer services though its Call center and

Sales personals at state level always at your services. • Sahaj Retail Limited won The Economic Times Champions

of Rural Markets Award and many prestigious awards for its phenomenal work in promoting Digital India Project.

Why Sahaj

For internal training &

circulation

7


Brand association

Sahaj is associated with some of the most reliable and best bands both goverenment & corporates.


Meet the Management

Manoj Agarwal -

Senior Vice

President Country

Head Business

Sanjib Mukherjee -

Senior Vice

President - Human

Resources & Admin

Gopal Dalmia-

Chief Financial

Officer

Joydeep Datta Gupta

- AVP-Secretarial &

Legal

Sudarsan

Guhasirkar - Head

Operations

Anshuman

Gupta- Head

Technology

Niraj Singh - State

Head Uttar Pradesh,

UK, Rajasthan &

other operational

States

Amit Kumar Singh -

(CEO)

Chief Executive Officer

Vikassh Gswami-

State Head West

Bengal, Bihar, Assam

& Odisha.


SAHAJ LINE OF BUSINESS

Financial Inclusion

Banking Correspondent

Sahaj AEPS DMT BBPS

Financial Services

Government Services E-Siksha EGI

Life Insurance

Motor Insurance

Health Insurance

PAN

NIC UP

E-Learning Fastag

Utilities

TAX2WIN

NB-SB PDCL

UPPCL

E-Stamping

IRCTC

Tech Mahindra

E Commerce

Amazon Easy

Liberty Shookeeper Insurance

E ntertainment

Hoichoi

Zee 5

Sahaj Kaushal

Mo Seva Kendra

NIELIT

Support structure


1. Register yourself though the online portal Sahaj.https://retail.sahaj.co.in/web/guest/home. 2. There are various schemes for acquiring the channels. Depending on the schemes, various services are available. The fee is dependent upon scheme opted. 3. To be eligible to become an SM one need to be minimum 12 pass. The prospect should hold a bank account with net banking facility. Prospect should be able to furnish proof of identity/address. Prospect should have a decent laptop/Desktop, with good internet speed.


SM On-boarding

SM to visit Sahaj Portal:

www.sahajretail.com and register himself.

SM gets Application ID

SM receives 16 digit VLE id, password &

PIN via SMS & email.

SM pays the roll-out fees after which his

services gets activated

SM logs in to the portal with his SM id

& Password

SM to get calls from their respective District & States

regarding scheme information

CRM Team makes the final verification call

SM receives Welcome Call

The details of his services are described

by the agent in the Welcome Call as per

SM requirement.

http://www.sahajretail.com/


DO’s

• Respect your customers.

• Be Honest.

• Take responsibility.

• Always put yourself in customers boots.

• Express your Gratitude

Don'ts

• Don’t make things overly complicated.

• Don’t be indifferent.

• Don’t treat customers as transactions.

• Don’t ignore customer feedback.

•Don’t be afraid of complaints.

Sahaj Mitr

Centre

(Kendra)


1

2

3

4

SKASH RECHARGE PROCESS

• Insurance is a mean of protection from financial loss.

It is a form of risk management, primarily used to hedge against the risk of a contingent or uncertain loss

• Insurance Regulatory Development Authority (IRDA) regulates the Insurance companies, Agents & Intermediaries

ABOUT

Insurance

WHO Underwriter: the person who basis the financial

and life information declared to the

insurance

Actuary: Who design the product

WE Insurer: An entity which

provides insurance is known as an insurer, insurance company,

insurance carrier or underwriter

Proposer: Who proposes or pays the premium for

the policy

ARE Insured: person or entity

who buys insurance is known as an insured or

as a policyholder

Premium: It is the amount of money an individual or business pays for an

insurance policy.

Sum Assured : It is the amount of money that an insurance company is obligated to cover in the event of a

covered loss

https://en.wikipedia.org/wiki/Underwriter


HDFC LIFE GROUP JEEVAN SURAKSHA

HDFC Life Group Jeevan Suraksha (Micro-Insurance product) is a Non-Linked, Non-Participating Group Term Micro-Insurance Product. This product has been specially designed for the employees of Micro-Finance Institutions, Co-operatives and members / employees of other homogeneous groups to provide financial security at a normal cost in the event of unfortunate death of a member / employee.


Policy Type : Term Policy 1 Life 1 Policy : Single customer can avail only one Policy Policy Term : 5yrs Premium Type : Single Premium Premium Amount : Depends on age of the policy-holder ; (will be auto-calculated by the system) Sum Assured : 2 lakhs Entry Age : 18yrs to 60yrs Maturity Benefit : Only death benefit applicable within the policy term. Tax Benefit : Tax exemption under 80C of Income Tax Act, 1961. Death Benefit under 10(10D) of Income Tax Act, 1961.

FEATURES & BENEFITS

Religare Health Insurance brings exclusive

products for the Customers of Sahaj Retail Ltd.

Hospitalization Up to SI

In-patient Care/Day Car Treatment Up to SI

Pre & Post Hospitalization Expenses 30 & 60 days respectively

Wait Period 30 Days (Except for injuries)

Named Ailment 24 Months

Pre-existing 48 Months

Sub-limits

Room rent / ICU Charges Room Rent- 1% of SI per day ICU charges – 2% of

SI per day

Sum Insured 2 Lac / 3 Lacs

Cover Individual/Floater

Benefits

Relationships Covered Self, Spouse, Child(Up to 2)

Entry Age – Minimum Individual : Adult-18 Years| Floater: Adult – 18 years ;

Child - 90 Days

Entry Age – Maximum Individual : Adult : 65 years | Floater: Adult : 65 years;

Child : 24 Years

Exit Age Adult: Lifelong; Child: 24 years

Pre-policy Medical Check-up No

Enrollment Customers of Sahaj Retail Ltd

Claim Servicing In-house

Claim payment method Cashless (within network) / Reimbursement

Portability to Care Yes, subjected to prevailing U/w guidelines

Tenure 1 year

Benefits


Kotak Health Insurance- Sahaj Retail Ltd

• The policy is individual basis.

• The benefit amount to be given to the customer directly if he/she is diagnosed with COVID-19 without any questions on the expenses done by the customer with the amount.

• The claim will be given on submitting the discharge certificate only.

• The treatment at both Govt and Private hospital and Make shift arrangement centres are covered.

• The death benefit is also available in case of death of the customer due to COVID-19 with or without complications.


BENIFITS


MOTOR INSURANCE

Motor Insurance, which is a segment of General Insurance, provides financial protection to the vehicles from loss due to accidents, damage, theft, fire or natural calamities. As per Motor Vehicles Act, 1988, all vehicles running on the Indian roads is mandatory to have Motor Insurance. Motor Insurance is for Two-Wheelers, Private Cars and for Commercial Vehicles.

MOTOR INSURANCE- 2 TYPES

Third Party Insurance (Third Party Liability/ TP): Compensates the damages to another individual, their vehicle or a third party property. Comprehensive Insurance (Package Insurance / 1st Party): Covers all kinds of damages and liabilities caused to your vehicle or a third party. It includes damages caused by accidents, sabotage, theft, fire, natural calamities, etc.


Royal Sundaram General

Insurance Company Ltd- Sahaj Retail Ltd


Royal Sundaram General Insurance Co. Ltd

Royal Sundaram General Insurance Co. Ltd , is the

first private sector general insurance company in

India to be licensed in October 2000 by the Insurance

Regulatory and Development Authority of India.

Types of Motor Insurance provided by RSGI

o Two Wheeler – Liability

o Two Wheeler – Comprehensive

o Private Car – Comprehensive

o Passenger Carrying Vehicle – Comprehensive

o Goods Carrying Vehicle – Comprehensive

o Miscellaneous Vehicle - Comprehensive


Bajaj Alliance General

Insurance Company Ltd- Sahaj Retail Ltd


Bajaj Allianz General Insurance is a

private general insurance company in India.

The company is a joint venture

between Bajaj Finserv Limited (formerly part

of Bajaj Auto Limited) owned by the Bajaj Group

of India and Allianz SE, a German financial

services company.

Two Wheelers

New Proposal – 1 Yr OD & 5 Yrs TP (1826)

Rollover Bike Comprehensive – 1 Yr OD & 1 Yr TP (1802)

Rollover Bike TP – TP only (1806)

PRODUCTS AVAILABLE


Liberty General Insurance

(Shop-keepers Insurance)- Sahaj Retail Ltd


Sections that we offer in Shopkeeper Package Policy

FIRE BURGLARY MONEY INSURANCE


Crop Insurance Crop insurance is a vital component of agriculture, especially in a country such as India, where the majority

of farmers are small and marginal with low savings that reduces their ability to weather agricultural risks and

fluctuations.

Geographical extension Proposed extensions -

Tamil Nadu, Odisha,

Haryana, UP, Rajasthan

Cross Selling

Crop insurance + PA cover +

Tractors + Agricultural Pumpset.

Crop Cutting • Sowing to harvesting – complete

insurance.

Season Effect • To enroll people to start

insurance for Rabi – direct

enrolment

• Then rollover to Kharif season

Duration for Crop Insurance

Oct – Nov Claim

Mangement Services

March – Apr Claim

Mangement Services

Aug 1 – Aug 31 Premium

Collection (Kharif Season)

.

Dec 1 – Dec 31 Premium

Collection (Rabi Season)

Financial inclusion refers to “the process of ensuring access to appropriate financial products and services needed by all sections of the society specially across general and vulnerable groups such as weaker sections and low income groups at an affordable cost and in a fair and transparent manner”.

Services include mainly - transactions, payments, savings, credit and insurance.


• Bank of Baroda

• Bank of India

• State Bank of India

• Purvanchal Gramin Bank

• Baroda UP Gramin Bank

Business Correspondence

or or ,

Are few of the various terminologies of persons who provide essential Banking services to rural, semi-urban or urban

populace of India, who are mostly unbanked. Agents work on behalf of various Banks through Kiosk or PoS (Point of Sale) model. Sahaj comes into picture as Corporate Business Correspondent (CBC) , in order to manage all agents working for various Banks with whom Sahaj has business partnership.

Please note, a CBC can have multiple tie-up with various Banks, but a CSP can work on behalf of only 1 Bank that has preferred by him / her, during formal application.

As a CSP, following are the few set of services mostly provided – • Account opening • Cash deposit • Cash withdrawal from any Bank account by AEPS • Money transfer through NEFT / IMPS, FD / RD, Social Security Schemes • Passbook printing • Bill payments through BBPS • Aadhaar / mobile seeding etc

Sahaj AePs is a portal for transactions under Financial Inclusion. SMs can act as human ATMs by providing cash to customers and letting them know their bank balance

1) Money withdrawal can happen for more than 110+ banks, who are already listed under NPCI 2) Customers do not need to carry any debit card or remember PIN for transactions 3) Same day settlement of principal & commission amount in agent's registered Bank account 4) Daily commission credit in wallet for retailers. 5) Earn high commission on AePS withdrawal of customers. 6) Support by Toll free customer care, whatsapp, email.


DMT and BBPS is live on Sahaj Portal now.

Domestic Money Transfer(DMT) is the means by which any one can send money by registering their mobile no.

Bharat Bill Payment System(BBPS) makes bill payment easier. Now

we have launched more options in BBPS.

E-Learning

What is e-Learning

eLearning is learning utilizing electronic technologies to access educational curriculum outside of a traditional classroom. In most cases, it refers to a course, program or degree delivered completely online.

E-learning can be CD-ROM-based, Network-based, Intranet-based or Internet-based. It can include text, video, audio, animation and virtual environments. It can be a very rich learning experience that can even surpass the level of training you might experience in a crowded classroom. It's self-paced, hands-on learning.

The Most Important Benefits of e-Learning For Students are -


Courses Available

• Computer Fundamental

• Photoshop

• Coreldraw

• DTP

• Data Entry Operator

• MS Office

• Tally

• Hardware and Networking

• Job- Trainer

• Interview Etiquettes


Tech Mahinda E-Learning Courses- Sahaj Retail Ltd


Tech Mahindra is the 5th Largest IT Company.

Tech Mahindra has brought the new way of learning for all whoever is

will to upgrade them.

Through PalmLeaf mobile application it has become easier for any

individual to learn the course of their choice at any time.

Sahaj has tied up with Tech Mahindra to offer various courses at the

fingertips of the students.

SM can easily register the students through Sahaj Portal.


Courses Available

• Computer Fundamental

• Induction to Ethical Hacking

• Digital Marketing

• Presentation Skills

• Communication

• MS Office

• Basics of GST

• Decoding GST

• Enhancing on Social Media

• Email Etiquettes


Sahaj Kaushak

Kaam Ki English


Course Syllabus

English Grammar - 100 Live Sessions

Vocabulary - 50 Live Sessions

Basic English - 100 Live Sessions

Business English - 100 Live Sessions

Interview Skills - 50 Live Sessions

Resume Writing - 20 Live Sessions

English Grammar Test - 80 Live Sessions


Sahaj Kaushal: Kaam Ki English

Business English Biodata Linkedin Profile Interview Practice

FASTag Electronic Toll Collection

FASTag

• FASTag is simple to use, reloadable tag which enables automatic deduction of toll charges and lets you pass through the toll

plaza without stopping for the cash transaction

• FASTag is linked to a prepaid account from which the applicable toll amount is deducted

• The tag employs Radio-frequency Identification (RFID) technology and is affixed on the vehicle's windscreen after the

tag account is active

Gone are the days when you had to stand in long queues for paying your electricity bill. Sahaj now join hands with North Bihar/South Bihar Power Distribution Company Limited to provide easy electicity bill payment for our rural customers in north Bihar through our wide Sahaj Mitr network. This service also enables our SM to accept payments of numerous rural consumers and enjoy lucrative commission.

NBPDCL/SBPDCL Bill Collection

NIELIT Courses- Sahaj Retail Ltd

DIGITAL LITERACY COURSES (DLC COURSES)

1. Awareness in Computers Concepts (ACC) – 20 Hours

2. Basic Computers Concepts (BCC) – 36 Hours

3. Certificate in Computer Concepts (CCC) – 80 Hours

4. CCC+ - 126 Hours

5. Expert Computer Course (ECC) – 200 Hours

What is PAN? Permanent Account Number, or PAN, is a 10-digit alpha-numeric unique identifier issued by the Income Tax Department to any person in the form of a laminated physical card. At present, individuals and registered business entities, including export businesses, are required to have a PAN Card Importance of a Pan Card - • As an identity proof, pan card service is a valid document proof • IT Returns Filling, all individual and entities who are eligible for income tax are expected to file there IT

returns - which requires a Pan Card • For bank Drafts, Pay order and banker's cheque Pan Card is mandatory. With out pan card none of the bank

work could be done

Physical

Mode

Digital

Mode Available


Tax2Win - Sahaj Retail Ltd


ITR filing service can be availed by any individual including service

provider (Sahaj Mitra) and the common people ( any govt or private

salaried employee, or ay small-medium enterprise owner, etc) from

Sahaj Service portal.

Main Points

• The guide to file return and common FAQs are readily available on the portal.

• ITR filing services are provided by Tax experts from Tax2win.

• You only need to upload basic information and documents of the client, nothing

else is required.


The Benefits of Filing Income Tax Return

• ITR helps in claiming refund of any excess TDS money deducted.

• Helps in getting loan approvals.

• ITR serves as a proof in various domains like credit-card application,

government tenders etc.

• ITR helps in processing of VISA for foreign travel.

• It’s your contribution to the development and growth of our nation.


IRCTC- Sahaj Retail Ltd


Indian Railway Catering and Tourism Corporation (IRCTC) is

an Indian public sector undertaking that provides ticketing,

catering, and tourism services to the Indian Railways.

Now an SM can book railway ticket for their customers through

IRCTC within the Sahaj Portal.

Smooth process with high income opportunity.


Hoichoi- Sahaj Retail Ltd


Hoichoi (which means ‘fun and excitement’ in Bengali). It is among

the first few companies to have dedicated regional language OTT

service in India.

Sahaj has tied up with Hoichoi adding more business opportunities for

the SMs.

SMs can help their customers in bringing the popular entertainment

platform at the finger-tips to enjoy unlimited web series and latest

movies.


Zee 5 Entertaininment - Sahaj Retail Ltd


ZEE-5 Strength

• Voted India’s Most Desirable OTT Platform

• Part of the well renowned Zee group

Brand

2nd Largest Ad based Video on Demand OTT Platform

Popularity

Content Leadership

4500+ Movies, 90+ live channels, 12 Languages

Highest Number of Indian Original Releases in 2020


Amazon Easy - Sahaj Retail Ltd


Amazon Easy Customer Journey

1 Customer walks into an Amazon Easy Store 2 Customer and store owner co-browse

3 Store owner sets

up the customer’s account and places order basis customer need

4 Payment

5 Product is delivered to

the customer’s home OR

Customer pays Cash on Delivery


Benefits

Customers

• Get access to crores of products at great prices

• Get assistance for shopping on Amazon at a known location from a trusted person

• Get information on great deals and upcoming sales

Store Owners

• Higher earnings

• Increased business transactions with existing clients

• Additional walk-ins due to the Amazon Easy service, thus benefitting existing store business as well

For any Information related to Services of Sahaj, SM can Click on the Training corner for details.

SM can get details about any Services of Sahaj

For any issues you can call our Customer Care No.

1800 4190 1250

“instant services for the smart customers of

Documents