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Icte Report

The document outlines the AICTE Activity Points Programme for the academic year 2022-2023, focusing on a project titled 'Visit to Government School & Swachh Bharat' by student Indu S H. It details the activities conducted during the project, including educational sessions and cleanliness initiatives, aimed at promoting education and sanitation in the community. The report emphasizes the importance of education as a catalyst for empowerment and highlights the outcomes of the activities in fostering a sense of responsibility and community pride.

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Indu sh Nekar
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0% found this document useful (0 votes)
12 views33 pages

Icte Report

The document outlines the AICTE Activity Points Programme for the academic year 2022-2023, focusing on a project titled 'Visit to Government School & Swachh Bharat' by student Indu S H. It details the activities conducted during the project, including educational sessions and cleanliness initiatives, aimed at promoting education and sanitation in the community. The report emphasizes the importance of education as a catalyst for empowerment and highlights the outcomes of the activities in fostering a sense of responsibility and community pride.

Uploaded by

Indu sh Nekar
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd
You are on page 1/ 33

VISVESVARAYATECHNOLOGICAL UNIVERSITY

“JNANA SANGAMA”, BELAGAVI-590018.

2022-2023
AICTE Activity Points Programme

“VISITTOGOVERNMENTSCHOOL& SWACHH
BHARAT”
Submitted in partial fulfillment for the award of the degree of

BACHELOR OF ENGINEERING
IN
ELECTRONICS AND COMMUNICATION ENGINEERING
Submitted By
Indu S H
[1JB21EC033]

UNDER THE GUIDANCE OF


Dr. Anitha.P
Professor
Dept. of ECE, SJBIT

DEPARTMENT OF ELECTRONICS AND COMMUNICATION ENGINEERING

SJB INSTITUTE OF TECHNOLOGY


#67,BGS Health and Education City,
Kengeri, Bengaluru-560060

1
AICTE

|| JAI SRI GURUDEV||

Sri Adichunchanagiri Shikshana Trust ®

SJBINSTITUTEOFTECHNOLOGY
BGS Health & Education City, Kengeri, Bengaluru-560060.

DEPARTMENT OF ELECTRONICS AND COMMUNICATION ENGINEERING

CERTIFICATE

Certified that the activity entitled “VISIT TO GOVERNMENT SCHOOL & SWACHH

BHARAT” carried out by INDU S H [1JB21EC033] is a bonafide student of SJB Institute of


Technology in ELECTRONICS AND COMMUNICATION ENGINEERING as prescribed
by VISVESVARAYATECHNOLOGICAL UNIVERSITY, BELAGAVI during the academic
year 2021-2022. It is certified that the activity is carried out and the report has been approved as it
satisfies the requirements of AICTE activity points programme for the said Degree.

Dr. Anitha.P Dr. Chandrappa D N


Professor Professor & Head
Dept. of ECE, SJBIT Dept. of ECE, SJBIT

Dept of ECE Page 2


AICTE

ACKNOWLEDGEMENT

I would like to express my profound grateful thanks to His Divine Soul Jagadguru Sri
Sri Sri Padmabhushana Dr. Balagangadharanatha Maha Swamiji and His Holiness
Jagadguru Sri Sri Sri Dr.Nirmalanandanatha Maha Swamiji for providing me an opportunity
to pursue my studies in this esteemed institution.
I would also like to express my profound thanks to Revered Sri Sri Dr. Prakashnath
Swamiji, Managing Director, SJB Institute of Technology, for his continuous support in
providing excellent infrastructure to carry out the graduation in this admired institution.
I express my gratitude to Dr. K.V. Mahendra Prashanth, Principal, SJB Institute of
Technology, for providing me excellent facilities and academic ambience, which have helped me
in satisfactory completion of the activity.
I extend my sincere thanks to Dr. D N Chandrappa, Professor & Head, Department of
Electronics and Communication Engineering, for providing me an invaluable support
throughout the period of this activity.
I express my truthful thanks to Dr. Supreeth H S G, AICTE Coordinator, Department
of Electronics and Communication Engineering, for their constant support throughout this
activity.
I wish to express my heartfelt gratitude to my Mentor, Dr. Anitha. P for her valuable
guidance and cheerful encouragement to carry out this activity, respect to my Parents, Teaching
& Non-teaching staffs of the department, the library staff and all our Friends, who have
directly or indirectly supported me during this activity.

Thanks and Regards,


Indu S H
[1JB21EC033]

Dept of ECE Page 3


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Table of Contents

Contents Page No.


Sl.No.

Chapter-1 Visit to Government School


• Introduction
1. 1-4
• Activities Conducted
• Learnings and Outcomes

Chapter-2 Garbage disposable system


• Introduction
2. 5-13
• Swatch Bharath
• Activities conducted

Chapter-3 Tourism Promotion Innovative


Approaches
3. • Introduction 14-18
• Kaadu Malleshwara Temple
• Learnings and Outcomes

Chapter-4 Developing Sustainable


Water Management System
4. 19-22
• Introduction
• Learnings and Outcomes

Chapter-5 Contribution to Digital India initiated 23-28


by Government of India
• Introduction
5.
• Types of Digital Payment methods in
India
• Conclusion

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AICTE Activity Points Programme 2022-23

CHAPTER-1

VISIT TO GOVERNMENT SCHOOL


1.1 Introduction:

Government has made a lot of sincere efforts to make free and compulsory
education to all the children of the state through various programs and policies. In
the recent days, programs on education have yielded a lot which is evident from the
improvement in enrollment and reduction in dropout rates significantly.

A very important issue here is that whatever money spent through these programs
should not reach only means but also reach the end. This implies that it should
reach the targeted group more effectively, not only implementing machinery.

As per RTE 2009, all children in the age group of 6 to 14 years have the right to
receive free and compulsory education in the neighborhood school till the
completion of elementary education.

Several centrally sponsored programs are being implemented in the Education


Sector under Ministry of Human Resource Development such as Sarva Shiksha
Abhiyan, Mid Day Meal Scheme, Kasturba Gandhi Balika Vidyalaya etc.

In addition there are many schemes that the Karnataka government provides such as
Vidya Shakthi Scheme, Karnataka Arivu Education loan scheme etc.

A new scheme has been created by the chief minister of Karnataka for the Welfare
of the children.

The name of this scheme is Karnataka Bal Seva Scheme.

Under this scheme, the financial assistance of Rs. 3,500 per month will be provided
by the government of the state.
Department of ECE, SJBIT Page 1
AICTE Activity Points Programme 2021-23

This Scheme will also help in building a better future for the student.
Along with the financial assistance, the government will also provide free-of-cost
laptops or tablets to the students who have completed their class 10th.

The government will also provide Rs. 1 lakhs to the girls who have completed their
21 years of age for their marriages, higher education, or self-employment.

Also, the mentor ship will be given to the children for overall development under
Mukhyamantri Bal Seva Scheme

The PM care will contribute through a specially designed scheme for each child. It
will help in providing the education loan for higher education. Also, the children
will get health insurance of Rs. 5 lakh under Ayushman Bharat Yojana till 18 years
of age.

Education is a cornerstone of personal development and societal progress.


However, for the underprivileged, it holds a transformative power that goes beyond
acquiring knowledge. The main objective was to enlighten the students that
education serves as a catalyst for empowerment, providing individuals with the
tools to break the cycle of poverty. By acquiring skills and knowledge, one gains
the means to make informed decisions, advocate for their rights, and actively
participate in shaping their destinies.

The aim was to engage with the students in the local government school through
various activities and conclude by explaining the importance and necessity of
education.

The students were told the significance of quality education and the dire
requirement of education in the current world.

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Activities Conducted:

• Task 1:

Interactive session with the students to create a friendly and innovative space for
them to interact

• Task 2:

Taught the curriculum of the students by means of activities

• Task 3:

Conduct sport activities and emphasize the importance of physical health.

• Task 4:

Enhance the creative and artistic abilities of the students by assigning craft activity
to broaden their horizon and encourage their skills that go beyond traditional
learning experiences.

Learnings and Outcome:

1. Develop adaptability and resourcefulness, finding innovative ways to make the


most of limited resources for effective teaching.
2. Understanding of inclusivity and learning to adapt teaching methods to cater to
diverse learning needs.
3. Learnt the importance of creating a safe and nurturing learning environment.
4. Learnt to appreciate and celebrate the small victories from the students, fostering
a positive outlook in life rather than focusing on the negatives.

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Fig 1.1 Teaching at school

Fig 1.2 Activity based learning for the students

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Fig 1 Children Actively participating in the school events

Fig 1.5 teaching dance

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CHAPTER-2

Garbage disposable system

2.1 Introduction:

Swachh Bharat Abhiyan, also known as the Clean India Mission, is a national
cleanliness campaign launched by the Government of India. The initiative was
officially inaugurated on October 2, 2014, on the occasion of Mahatma Gandhi's
birth anniversary, with the aim of promoting cleanliness, hygiene, and the
eradication of open defecation in India.

The Swachh Bharat Abhiyan has two main components:

1. Rural Sanitation: The campaign focuses on achieving an open-defecationfree


(ODF) India by constructing toilets and promoting sanitation practices in rural
areas. The goal is to improve the quality of life for rural communities and reduce
the health hazards associated with open defecation.

2. Urban Sanitation: In urban areas, the Swachh Bharat Abhiyan aims to


improve waste management practices, enhance sanitation infrastructure, and
promote cleanliness. This includes the construction of public and household toilets,
as well as initiatives to ensure the proper disposal of solid waste.
Key components and features of Swachh Bharat Abhiyan include:

▪Construction of Toilets: The campaign emphasizes the construction of toilets in


households, schools, and public places to eliminate the practice of open
defecation.
▪Behavioral Change: Swachh Bharat Abhiyan seeks to bring about a behavioral

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change in the mindset of people, encouraging them to adopt clean and hygienic
practices.
▪Awareness Campaigns: Various awareness campaigns and activities are conducted
to educate people about the importance of cleanliness, hygiene, and sanitation.

▪Innovation and Technology: The initiative encourages the use of innovative


technologies for waste management and sanitation solutions.
▪Public Participation: Swachh Bharat Abhiyan encourages active participation from
citizens, NGOs, corporates, and other stakeholders to contribute to the
cleanliness drive.

▪Cleanliness Rankings: The government introduced a Swachh Survekshan


(Cleanliness Survey) to rank cities and towns based on their cleanliness and
sanitation efforts. This has led to healthy competition among cities to improve
their cleanliness standards.

The Swachh Bharat Abhiyan is not just a government program but a people's
movement aimed at transforming India into a cleaner and healthier nation. It
reflects a collective responsibility to achieve the vision of a Swachh Bharat (Clean
India) by fostering a culture of cleanliness and sanitation across the country.
Waste Management and Segregation:

Waste management and segregation are critical aspects of maintaining a clean and
sustainable environment. Proper waste management involves the collection,
transportation, processing, recycling, and disposal of waste materials in an
environmentally responsible manner. Waste segregation, on the other hand, is the
process of separating different types of waste at the source to facilitate efficient
recycling and disposal. Here's an overview of waste management and segregation:

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1. Source Segregation:
▪At the Point of Generation: Waste should be segregated at the point of
generation, such as households, offices, industries, and public places.
Individuals and organizations are encouraged to separate waste into different
categories before disposal.

2. Categories of Waste:

▪Biodegradable Waste: This includes organic waste like kitchen scraps, food
waste, and garden waste. Biodegradable waste can be composted to produce
organic manure.
▪Non-Biodegradable Waste: This includes materials that do not decompose
easily, such as plastics, metals, glass, and rubber.
▪Hazardous Waste: This category includes waste that poses potential threats to
human health or the environment, such as chemicals, batteries, and medical
waste.
3. Benefits of Waste Segregation:

▪Recycling: Segregating waste at the source enables efficient recycling of


materials, reducing the need for raw material extraction and minimizing
environmental impact.
▪Reduced Landfill Burden: Proper segregation helps divert recyclable and
compostable materials away from landfills, reducing the burden on landfill
sites.
▪Resource Recovery: Segregated waste allows for the recovery of valuable
resources from certain types of waste, contributing to a circular economy.
▪Environmental Protection: Hazardous waste can be treated separately to prevent
environmental contamination.

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4. Color-Coded Bins:
▪Many waste management systems use color-coded bins to make segregation
easier for the public. For example, green bins for biodegradable waste, blue
bins for recyclables, and red bins for hazardous waste.
5. Awareness and Education:

▪Public awareness and education campaigns play a crucial role in promoting


waste segregation. People need to understand the importance of separating
waste and the environmental benefits associated with proper waste
management practices.

6. Government Regulations:

▪Governments often implement regulations and guidelines to enforce waste


segregation at the source. Penalties may be imposed for non-compliance.
7. Community Participation:

▪Community involvement is essential for the success of waste segregation


programs. Local communities, NGOs, and civic organizations can actively
participate in awareness campaigns and waste collection drives.

Effective waste management and segregation is a fundamental step toward


sustainable waste management practices. By segregating waste at the source,
communities can contribute to environmental conservation, resource efficiency, and
the overall well-being of the planet.

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Activities Conducted:

• Task 1:
Cleaned the kitchen of the NGO.

• Task 2:
Cleaned the nearby roads near the NGO

• Task 3:
Creating awareness about keeping the gooshale clean

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Fig 2.1 Cleaning the kitchen of the NGO

Fig 2.2 serving the food to the children as well as the guests

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Fig 2.3 learning to manage the administration work(other activities)

Fig 2.4 Cleaning the local surrounding

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Fig 2.5 Gandhian principle of swachh bharat

Fig 2.6 Milking the cows at the right time prevents unhinging

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Learnings and Outcome:

1. Emphasize the importance of continuous efforts for a cleaner and healthier


nation.
2. Cultural and ethical values related to cleanliness, instilling a sense of
discipline and responsibility in society.
3. Fostering accountability and responsibility among the team and the public.
4. Fosters a sense of civic responsibility, community pride, and social well-
being, promoting a positive and cooperative societal atmosphere.
5. Children over there have many disabilities in their life but do not complain
about any of those but we have everything still complaint.
6. They believe in themselves and whatever they do they do it by heart.
7. I had a great time and would like to say it was my pleasure being there with
the kids and got to learn many ethics in life.

Conclusion
Throughout this journey, there has been a continuous commitment to Nurturing
and empowering the community, marking it as a truly remarkable and impactful
odyssey. This also cultivated a spirit of resilience and empowerment within the
Communities we touched. Looking forward, the trust remains steadfast in its
commitment to innovation, inclusivity, and community-driven impact, knowing
that the seeds planted today will bloom into a flourishing garden of positive
change tomorrow.

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Chapter-3 Tourism Promotion Innovative Approaches


Introduction

Tourism is one of the most dynamic and rapidly growing sectors in the global
economy. It plays a significant role in promoting economic development, cultural
exchange, and international cooperation. However, in an increasingly competitive
global market, traditional tourism promotion methods are no longer sufficient.
Countries and regions are now adopting innovative approaches to attract and
engage tourists, enhance their experiences, and promote sustainable growth.

1. Digital Transformation in Tourism Marketing

The digital revolution has redefined how destinations are marketed. Today, online
presence and digital storytelling are crucial tools for tourism promotion.

• Social Media Campaigns: Platforms like Instagram, Facebook, TikTok, and


YouTube have become powerful tools for reaching a global audience.
Tourism boards collaborate with influencers and content creators to share
authentic travel experiences.
• Augmented Reality (AR) and Virtual Reality (VR): Virtual tours of
museums, monuments, and natural attractions allow potential travelers to
experience destinations before they book.
• AI-Powered Chatbots and Virtual Assistants: These tools help tourists
plan their trips more efficiently by providing instant information and
personalized recommendations.

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2. Experiential and Niche Tourism

Modern travelers seek unique, immersive experiences rather than just


sightseeing.

• Eco-Tourism: Promoting conservation-oriented travel that allows tourists to


connect with nature responsibly.
• Cultural and Heritage Tourism: Encouraging deeper engagement with
local customs, cuisine, crafts, and festivals.
• Adventure and Wellness Tourism: Activities such as trekking, yoga
retreats, and spiritual tourism attract niche audiences.

3. Smart Tourism and Technological Integration

The rise of Smart Tourism involves integrating technology into tourism


infrastructure and services:

• Smart Cities for Tourism: Using IoT (Internet of Things), data analytics,
and mobile apps to improve transportation, accommodation, and safety.
• Contactless Travel Solutions: QR codes, e-tickets, and digital payment
systems enhance convenience and hygiene.
• Geo-Tagging and Interactive Maps: Enabling tourists to navigate and
explore lesser-known but culturally rich destinations.

4. Sustainable and Responsible Tourism

• Carbon Footprint Reduction Campaigns: Encouraging use of public


transport, cycling tours, and eco-friendly accommodations.

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• Community-Based Tourism: Involving local communities in tourism


services ensures inclusive development and preserves local culture.
• Plastic-Free Travel Initiatives: Promoting reusable items and waste
management at tourist spots.

About Kaadu Malleshwara Temple

• Kadu Malleshwara Temple is a revered 17th-century Hindu temple dedicated


to Lord Shiva, located in the Malleshwaram locality of Bengaluru,
Karnataka, India. The name 'Kadu' means 'forest' in Kannada, reflecting the
dense greenery that once surrounded the temple. Constructed in 1669 A.D.
by Venkoji, the brother of Maratha King Shivaji, the temple showcases the
Dravidian architectural style. Lord Shiva is worshipped here as
Mallikarjuna. The temple's presence significantly influenced the naming of
the Malleshwaram area. The temple exemplifies Dravidian architecture,
characterized by its intricate carvings and towering gopuram (gateway
tower). The sanctum sanctorum houses the Shiva Linga, and the temple
complex includes shrines for other deities as well. Adjacent to Kadu
Malleshwara Temple is the Nandishwara Teertha Temple, also known as
Dakshinamukha Nandi Teertha Kalyani Kshetra. Discovered during
excavations in 1997, this temple features a unique water spring that flows
from the mouth of a Nandi (bull) statue onto a Shiva Linga, believed to be
the source of the Vrishabhavathi River. The temple is a focal point for
devotees during Maha Shivaratri, attracting thousands who participate in
special prayers and rituals. Regular poojas and ceremonies are conducted,
maintaining the temple's vibrant spiritual atmosphere. Location: Malleshwaram,
Bengaluru, Karnataka, India. Daily from 7:00 AM to 12:00 PM and 5:30 PM to 8:30 PM
Mantri Square Sampige Road Metro Station

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Kadu Malleshwara Temple stands as a testament to Bengaluru's rich cultural and spiritual
heritage, offering visitors a serene environment to experience devotion and history intertwined.

Fig: 3.1 At the Kaadu Malleshwara Temple

Conclusion

Historic places are the physical narratives of our collective past. They offer
invaluable insights into the cultural, architectural, and social heritage of
civilizations. Conserving these sites is not just about preserving bricks and
stones—it is about protecting the identity, memory, and legacy of a community. As
urbanization accelerates and modern infrastructure expands, the need to protect our
heritage becomes more urgent than ever.

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By conserving historic places, we honor the achievements of those who came


before us and ensure that future generations can continue to learn from, appreciate,
and be inspired by them. It is a shared responsibility of governments, communities,
and individuals to safeguard these treasures through awareness, legislation,
restoration, and sustainable tourism. In doing so, we not only preserve the past but
also enrich the future with stories that continue to shape who we are.

Let us remember: when we protect heritage, we protect humanity itself .

Fig 3.2 Visit to the Historic place

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Chapter-4 Developing Sustainable Water


Management System
Introduction

Water is one of the most essential natural resources for life on Earth. However, the
increasing global demand, pollution, and climate change have placed immense
stress on freshwater sources. Sustainable water management is the strategic
planning and implementation of practices that ensure the availability, quality, and
equitable distribution of water resources for current and future generations. It
involves an integrated approach that combines environmental, social, and
economic considerations to balance human needs with ecosystem health.

Need for Sustainable Water Management

• Rising Water Scarcity: With growing populations, urbanization, and


industrialization, the demand for freshwater is outpacing supply in many
parts of the world.
• Pollution and Contamination: Agricultural runoff, untreated sewage, and
industrial waste are polluting rivers, lakes, and groundwater.
• Climate Change: Irregular rainfall, droughts, and melting glaciers are
affecting the natural water cycle and availability.
• Inequitable Distribution: In many regions, access to clean water is
unequal, often impacting marginalized communities the most.

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Key Principles of Sustainable Water Management

1. Integrated Water Resources Management (IWRM)


A coordinated approach that considers water usage across sectors—
agriculture, industry, households, and ecosystems—to avoid over-extraction
and ensure sustainability.
2. Water Conservation and Efficiency
o Promoting water-saving technologies (e.g., low-flow fixtures, smart
irrigation)
o Public awareness campaigns on reducing wastage
o Encouraging reuse and recycling of water wherever possible
3. Rainwater Harvesting and Groundwater Recharge
o Capturing rainwater through rooftop systems or percolation pits
o Building check dams and recharge wells to restore groundwater levels
4. Pollution Control and Water Quality Monitoring
o Treating industrial and domestic wastewater before discharge
o Setting and enforcing water quality standards
o Promoting eco-friendly agricultural practices to reduce chemical
runoff
5. Decentralized Water Systems
o Encouraging community-led water management initiatives
o Localized treatment plants and water budgeting for villages or urban
neighborhoods
6. Technology and Innovation
o Smart water meters and IoT-based leak detection
o GIS mapping for watershed management
o AI and data analytics for predicting water demand and supply trends

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Fig 4.1: Visit to Horticulture field

Fig 4.2: learning about the water management system

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Conclusion

Sustainable water management is vital for ensuring long-term water security and
environmental balance. As water resources face growing pressures from climate
change, pollution, and overuse, it is essential to adopt a holistic and forward-
thinking approach. By integrating conservation, innovation, community
involvement, and policy reforms, we can build resilient systems that meet human
needs while protecting ecosystems.

The responsibility lies with governments, industries, communities, and individuals


alike. Through education, efficient technologies, and equitable practices, we can
pave the way for a future where water is managed wisely and shared fairly. A
sustainable water management system is not just about preserving a resource—it is
about safeguarding life itself.

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Chapter 5: Contribution to Digital India initiated by


Government of India
Introduction

Digital India is a flagship initiative launched by the Government of India in July


2015, aimed at transforming India into a digitally empowered society and
knowledge economy. The vision is to bridge the digital divide by ensuring that
every citizen, regardless of geography or background, has access to digital tools,
services, and infrastructure. Through innovative policies, robust technology
integration, and citizen participation, Digital India is reshaping how governance,
education, healthcare, and business function across the country.

Key Pillars of Digital India

1. Digital Infrastructure as a Core Utility


o High-speed internet in rural and remote areas (BharatNet project)
o Unique identity through Aadhaar
o Mobile and banking access for every citizen
2. Governance and Services on Demand
o E-Governance platforms such as DigiLocker, UMANG, and e-
Hospital
o Online delivery of essential services like birth certificates, ration
cards, and pensions
o Real-time access to services and grievance redressal
3. Digital Empowerment of Citizens

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o Digital literacy programs like PMGDISHA (Pradhan Mantri Gramin


Digital Saksharta Abhiyan)
o Multilingual internet access and content
o Accessible platforms for differently-abled citizens

Major Contributions and Achievements

1. Online Education & Skill Development


o Platforms like SWAYAM, DIKSHA, and e-Pathshala provide free,
quality digital education.
o Skill India programs use digital tools to train youth in various fields.
2. Digital Health Initiatives
o Ayushman Bharat Digital Mission (ABDM) creates a digital health
ID for every citizen.
o Telemedicine services and e-pharmacies offer remote consultations
and medicine access.
3. Fintech & Digital Payments
o Unified Payments Interface (UPI) revolutionized digital
transactions.
o Widespread use of BHIM App, Aadhaar-enabled payments, and
mobile banking.
4. Digital Governance
o Transparent and efficient government functioning through portals like
MyGov, RTI Online, and e-Courts.
o Use of AI and blockchain in public service delivery.
5. Startup and Innovation Ecosystem

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o Programs like Startup India and Digital India Innovation Fund


support young entrepreneurs.
o Incubation centers and hackathons fuel innovation in tech sectors.
6. Smart Cities and IoT Integration
o The Smart Cities Mission leverages digital tech for waste
management, traffic monitoring, and energy efficiency.
o IoT-based solutions for smart homes, agriculture, and logistics.

Types of Digital Payment Methods in India

The digital revolution in India has dramatically transformed the way people
transact. With the government's push through initiatives like Digital India, the
country has witnessed widespread adoption of various digital payment methods
that are fast, secure, and convenient. Here are the key types of digital payment
systems in India:

1. Unified Payments Interface (UPI)

• Developed by the National Payments Corporation of India (NPCI)


• Allows instant fund transfer between bank accounts via mobile apps (like
PhonePe, Google Pay, Paytm, BHIM)
• Works 24/7, including weekends and holidays
• Requires only a Virtual Payment Address (VPA) or UPI ID for transactions
• Most widely used digital payment method in India today

2. Mobile Wallets (e-Wallets)

• Apps like Paytm, Mobikwik, Freecharge, Amazon Pay


• Users preload money into the wallet using debit/credit cards or net banking

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• Used for bill payments, recharges, and shopping


• Easy to use but may have wallet balance limits

3. Debit/Credit Cards

• Widely used physical digital payment tools


• Accepted at ATMs, Point of Sale (POS) machines, and online platforms
• Secure transactions through OTP, PIN, or contactless (NFC) systems
• Cards issued by major providers: Visa, MasterCard, RuPay

4. Net Banking (Internet Banking)

• Online platform provided by banks for fund transfers and bill payments
• Includes services like NEFT, RTGS, IMPS
• Requires registration and login credentials from the bank
• Secure and trackable, suitable for both retail and business users

5. AEPS (Aadhaar Enabled Payment System)

• Facilitates transactions using Aadhaar number and biometric authentication


• Particularly useful in rural areas with limited banking access
• Used for withdrawing cash, checking balance, or transferring funds
• Requires only Aadhaar and a fingerprint scanner

6. USSD Banking (99# Service)

• Designed for people without smartphones or internet access


• Users dial *99# and follow menu prompts to transfer money, check balance,
or get a mini statement
• Operates via basic mobile network, supports multiple languages

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7. QR Code Payments

• Users scan a Quick Response (QR) code to pay directly from their wallet or
UPI-linked account
• Extremely popular in small shops, street vendors, and services
• Requires no physical contact—safe and fast

8. Contactless Payments (NFC-enabled Cards/Devices)

• Use Near Field Communication (NFC) technology


• Users just tap the card or smartphone at the POS terminal to make payment
• Fast, secure, and increasingly used in metro cities

Fig 5.1: screen short of the activity conducted

Department of ECE, SJBIT Page 27


AICTE Activity Points Programme 2021-23

Fig 5.2 Survey of the activity conducted

Conclusion
India’s digital payment landscape is diverse and rapidly evolving. With robust
infrastructure, supportive government policies, and increased digital literacy, more
people are embracing cashless transactions. These digital payment systems not
only offer convenience but also promote transparency, financial inclusion, and
economic growth. As technology continues to advance, India moves closer to
becoming a truly digital economy.

Department of ECE, SJBIT Page 28

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