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National Resource Kit: The Manipur Chapter (Call for Comments)

CLPR — 2013-11-07T06:12:54Z

The National Resource Kit team is pleased to bring you its research on the state of laws, policies and programmes for persons with disabilities in the state of Manipur.

Executive Summary

In June 2013, the State Platform of Disabled People’s Organization in Manipur submitted a memorandum to the Social Welfare Minister and the Chief Minister demanding a proper budget allocation for persons with disability and an official State Policy on disability[1] and to ensure its proper implementation.

Quick Statistics
Capital:Imphal
Population (2011): 2,721,746
Number of people with disabilities: 28,380
Literacy (2011): 79.85%

Legal Provisions

The State Government of Manipur has not created or implemented any state specific legislation on persons with disabilities. The Government of Manipur has devised the following schemes:

Accessibility
Free bus travel facility is available for persons with disabilities on the State Transport buses.

Aids and Appliances
There are no state government schemes created by the Government of Manipur. The Central Government sponsored ADIP scheme has been implemented:

Assistance to Disabled Person Scheme (ADIP): The main objective of this Scheme is to assist persons with disabilities in procuring durable, sophisticated and scientifically manufactured, modern, standard aids and appliances that can promote their physical, social and psychological rehabilitation, by reducing the effects of disabilities and enhancing their economic potential. The quantum of assistance and income limit under the ADIP scheme is as follows:

Quantum of assistance and income limit under the ADIP scheme:
	Total Income	Amount of Assistance
1	Up to Rs. 6,500/- per month	Full cost of aid/appliance
2	Rs. 6,501/- to Rs. 10,000/- per month	50% of the cost of aid/appliance

The scheme is implemented through implementing agencies such as the NGOs, National Institutes under this Ministry and ALIMCO (a PSU).

Education
Various scholarships by the Government of Manipur are also available, as follows:
Pre-metric scholarships (typically for studies between Std I and Std X)

Scholarship Name	Scope of Study	Eligibility			Benefits
		Income (p.a.)	Social	Academic
Financial Assistance to dependent	Age 6 - 16 studying in recognized schools	Less than Rs 500/- p.m.			Rs 720/- p.a.
Scheme for students with disabilities	Grade 1 - 5	Less Than Rs 2,000/- p.m.	Disability	40%	Grade 1-2: Day Scholars: Rs 40/- p.m.; Hostellers: Rs 60/- p.m.; Grade 3-5: Day Scholars: Rs 40/- p.m.; Hostellers: Rs 80/- p.m.;

Secondary Education Scholarships (typically for studies between Std IX and Std XII)

	Scholarship Name	Scope of Study	Eligibility			Benefits
			Income (p.a.)	Social	Academic
1	Scheme for students with disabilities	Grade 9-10	Less than Rs 2,000/- p.m.	Disability	40%	Day Scholars: Rs 720/- p.a.; Hostellers: Rs 1,200/- p.a.; Only blind: Rs 300/- for 6 months

Higher Education Scholarships (typically for graduation and post-graduation studies)

	Scholarship Name	Scope of Study	Eligibility			Benefits
			Income (p.a.)	Social	Academic
1	Scheme for students with disabilities	Under Graduation	Less Than Rs 2,000/- p.m.	Disability	40%	1st and 2nd year - Day Scholars: Rs 90/- p.m.; Hostellers: Rs 130/- p.m.; Blind only: Rs 75/- p.m. for 6 months
2	Scheme for students with disabilities	Post Graduation	Less Than Rs 2,000/- p.m.	Disability	40%	Day Scholars: Rs 120/- p.m.; Hostellers: Rs 170/- p.m.; Blind only: Rs 100/- p.m. for 6 months
	Scheme for students with disabilities	Professional Courses (MBBS / LLB / B.Ed. etc.	Less Than Rs 24,000/- p.a.	Disability	40%	Day Scholars: Rs 120/- p.m.; Hostellers: Rs 170/- p.m.; Blind only: Rs 100/- p.m. for 6 months

Criteria:
A candidate applying for scholarships must be a Manipuri by birth or a person who has settled in the state for at least ten years. The person should be citizen of India and resident of Manipur at least for the last six years. The candidate should have secured at least 40% mark at the previous annual examination. No scholarship will be admissible if the combined monthly income of the parents / guardian of the candidate is more than Rs 2,000/-.

The Social Welfare Department of Manipur offers a scholarship of Rs 300 per annum to students with mental health problems.

The Social Welfare Department, Government of Manipur created a special employment exchange window for persons with disabilities in 1982 to ensure that there are employment opportunities for persons with disabilities.
3% of posts in the direct recruitment of Class - III and IV posts are reserved for persons with disabilities in the following rosters.
i) 1% for Visual Impaired in the 34th roster.
ii) 1% for Hearing Impaired in the 67th roster.
iii) 1% for Locomotors Disability in the 100th roster.[2]
The upper age limitfor applying to Government jobs was extended by the Government of Manipur by 10 years for persons with disabilities from all categories.
The State Government also provides financial assistance to persons with disabilities who are self-employed.
The Manipur Government also provides for unemployment allowances for candidates with disabilities who have been listed on the special employment exchange for more than two years but have not been able to find employment.

Health and Rehabilitation
Grameen Purnavas Yojna is a central government sponsored scheme and under this scheme, a rehabilitation centre has been set up in Manipur for persons with disabilities. Wheel chairs/tri-cycles have been distributed to members of the centre.

Social Protection
The Government of Manipur provides financial assistance to persons with disabilities, who have a family income of less than Rs. 60,000 per annum. The amount fixed as financial assistance varies each year depending on the availability of funds. Under this scheme, the Government aims to provide assistance to 1000 persons.

The Central Government sponsored Indira Gandhi Disability pension scheme has been implemented in 8 districts of Manipur and a total of Rs 13.4 lakhs has been received by the State Government for this scheme in 2010-11.

Sources

[1].(http://imphaltimes.com/disable-people-demand-state-policy/)

[2]. http://socialwelfaremanipur.nic.in/disable.htm

For more details visit https://cis-india.org/accessibility/blog/national-resource-kit-manipur-chapter-call-for-comments

National Resource Kit: The Assam Chapter (Call for Comments)

CLPR — 2013-09-30T04:06:55Z

The National Resource Kit team is pleased to bring you its research on the state of laws, policies and programmes for persons with disabilities in the state of Assam.

Executive Summary

The Directorate of Social Welfare and the State Commissioner for Disabilities have been set up in Assam. The Government of Assam has not created any state-specific legislations.

A pilot project by the Central Government has been implemented for creation of awareness on prevention and early detection and intervention of various types of disabilities. The pilot project has been taken up in 13 districts of Assam and is currently under implementation.[1]

The first-ever baseline survey on disabled women, conducted by the Association of Women with Disabilities (AWWD) showed that a mere 5% of the disabled women in Assam are aware of the Persons with the Disabilities Act, 1995 and that 14.9% of the women were aware of government schemes and policies related to women and the disabled.[2]

The Assessment of Employment Needs of Persons with Disabilities, a study conducted by the Disability Employment Initiative (DEI) was a study conducted in two districts of Assam. The study found that 83% of persons with disabilities are unemployed.[3]

Quick Statistics

Capital: Dispur
Population: 3, 11, 69,272 (Census 2011)
Number of persons with disabilities: 530,300 (Census 2001) however CBR Network claims that there is a disparity and the figure is 17, 79,968 (2006)
Literacy: 72.19%
HDI: 32.1 (1999-2008)

Aids and Appliances

The only scheme for aids and appliances in Assam is the ADIP scheme of the central government. There are no schemes introduced by the state government.

Quantum of assistance and income limit under the ADIP scheme:
Total Income		Amount of Assistance
1	Up to Rs. 6,500/- per month	Full cost of aid/appliance
2	Rs. 6,501/- to Rs. 10,000/- per month	50% of the cost of aid/appliance

The scheme is implemented through implementing agencies such as the NGOs, National Institutes under this Ministry and ALIMCO (a PSU).

Education

Scholarship/ Stipend to Students with Disabilities: Students with disabilities who are pursuing studies in the special institutions of the Department or institutions run by N.G.O's and also general schools and colleges, are offered stipend @ Rs.200/- p.m. each.
3% seats are reserved for students with disabilities in the MBBS Course in Assam
The State Government awards scholarship to disabled persons from Class I to Class VIII.

Employment

Scholarship/ Stipend to Students with Disabilities: Students with disabilities who are pursuing studies in the special institutions of the Department or institutions run by N.G.O's and also general schools and colleges, are offered stipend @ Rs.200/- p.m. each. [4]
3% seats are reserved for students with disabilities in the MBBS Course in Assam
The State Government awards scholarship to disabled persons from Class I to Class VIII.

Employment

Reservation in Government jobs: In Group "C" and "D" posts under the Government, reservations are provided in direct recruitment for physically handicapped persons as indicated below. There is no reservation under Group A and B identified by the Government of Assam:
Category of Disability   Percentage of reservation
(i) Visually handicapped    1%
(ii)Orthopedically handicapped    1%
(iii) Hearing handicapped    1%
Unemployment Allowances: The following allowances are provided for unemployed persons with disabilities:
(i) Persons with disabilities who are registered in the employment exchange get unemployment allowance @ Rs.50/-p.m.
(ii) The Department of Social welfare has introduced a scheme in 2009 to give unemployment allowances to families that have children with disabilities.[5]
Persons with disabilities also get assistance for self employment.

Health and Rehabilitation

The Disability Prevention and Medical Rehabilitation Scheme (DPMR): This scheme was implemented by the Govt of Assam for:
(i) Procurement of foot wear, splint and appliances for needy patients.
(ii) Welfare allowances for patients from BPL families and reimbursement to Govt. Hospitals will be considered. The Silchar Medical College & Hospital, Silchar and Gauhati Medical College & Hospital, Guwahati, are identified for the DPMR Scheme.
Scheme for implementation of Persons with Disabilities (Equal Opportunities, Protection of Rights and Full Participation) Act 1995 (SIPDA): This is a central government scheme where central assistance is provided to State Governments, Institutions, Organisations, Autonomous Bodies and Universities for making barrier-free and accessible environment for Persons with Disabilities (PwDs), which inter-alia includes provision of ramps, lifts tactile paths, adaptation of toilets for wheel chair users and Braille symbols and auditory signals. Assistance is also provided for making websites accessible to PwDs. Under this Scheme, the Assam state government established the District Disability Rehabilitation centres (“DDRC”) as an outreach activity for providing comprehensive services to the persons with disabilities at the grass root level and for facilitating creation of the infrastructure and capacity building at the district level for awareness generation, rehabilitation and training of rehabilitation professionals.

Social Protection

Disability Pension: Disabled persons, male 65 years and female 60 years and above get Rs.100/- p.m. as disability pension.
Other Concessions/facilities:
(i) 5% reservation is provided in allotment of fair price shops.
(ii) Reservation of 3% beneficiaries under the Integrated Rural Development Programme Scheme.

[1]. http://socialjustice.nic.in/schemespro3.php

[2]. http://www.telegraphindia.com/1110622/jsp/northeast/story_14137103.jsp

[3]. http://www.assamtribune.com/scripts/detailsnew.asp?id=jun2512/city07

[4]. http://socialwelfareassam.com/PDAct.asp

For more details visit https://cis-india.org/accessibility/blog/national-resource-kit-assam-chapter-call-for-comments

Text to Speech Synthesizer

praskrishna — 2014-04-01T03:31:59Z

Text-to-Speech Synthesizer (May to August 2013)

Text-to-Speech Synthesizer (March to May 2013)

For more details visit https://cis-india.org/accessibility/resources/text-to-speech-synthesizer-reports

Banking and Accessibility in India: A Report by CIS

nirmita — 2013-08-13T04:00:19Z

The report gives an analysis of banking accessibility for persons with disabilities in India. Besides a detailed look at the legal provisions and guidelines on banking and technology, the report also provides a view on different disabilities in relation to banking and accessibility in India and contains case studies and guidelines from countries such as New Zealand, Australia, the United States of America, Canada and the Netherlands. The report sums up the analysis with suggestions and recommendations to improve banking accessibility for persons with disabilities in India.

Executive Summary

India is a signatory to the United Nations Convention on the Rights of Persons with Disabilities (CRPD), and has an obligation to provide equal opportunities and facilities to everyone, irrespective of any disabilities they might suffer from. This is guaranteed in the right to equality and the right to life, which are enshrined in the fundamental rights in the Constitution of India. There are specific Reserve Bank of India (RBI) notifications that mandate banks to offer banking facilities in a non-discriminatory manner to all customers. Nevertheless, there are many problems faced by people with disabilities while accessing banking and financial services in India. For instance, many banks and Automated Teller Machines (ATMs) are not physically accessible, staff has no training or expertise in dealing with customers who have special needs, and despite the existence of technology, and ATMs are not equipped to be used by people with disabilities.

There are several international guidelines which can be referred to while formulating policy on banking accessibility, such as guidelines on ATM construction and modification (USA) and guidelines on making websites accessible for people with disabilities (the Web Content Accessibility Guidelines), as well as voluntary standards that have been taken up by banking associations in countries like Australia and New Zealand in order to make banking more accessible to people with disabilities and the elderly population.

The adoption of accessibility features and technologies in Indian banks today is very low, despite there being a legislative as well as executive push for the same. Banks which do not follow these guidelines are not meeting their legal requirements, and it is important for them to understand not just their obligations, but also the benefits that will accrue to them if they follow the suggested guidelines. To that end, this report looks at the current notifications and guidelines that govern this area, the problems faced by people with disabilities, and looks at guidelines from other countries to suggest solutions that can be incorporated by different banks in India.

Introduction

As per the 2001 Census, there are around 2.19 crore persons with disabilities in India. They constitute 2.13 per cent of the total population of the country.[1] This includes persons with visual, hearing, speech, locomotor and mental disabilities. Despite these numbers, there is a lack of understanding of their needs, and people with disabilities face a number of obstacles when it comes to living a normal life, and availing banking facilities is a big part of the problem. Consider the fact that only 50 out of the 1.04 lakh Automated Teller Machines (ATMs) in India are accessible to people with disabilities.[2] There is a general lack of infrastructure and awareness in India that permits people with disabilities to use banking services. This translates to problems not just in accessing a physical bank and seeking help from a bank official, but also extends to accessing services such as ATM machines and online banking options. The problem is exacerbated by the fact that around 75 per cent of persons with disabilities live in rural areas, and only around 49 per cent of the disabled population is literate and only 34 per cent is employed.[3] Although one may find some rare cases of disabled-friendly banking options in the metros, in the rural areas, there are neither facilities nor is there any sensitisation towards meeting the needs of the disabled.

India is a signatory to both the United Nations Convention on the Rights of Persons with Disabilities, 2006[4] (hereinafter, “UNCRPD”) and Biwako Millennium Framework towards an Inclusive, Barrier-free and Rights-based Society for PWDs in Asia and the Pacific, 2002[5] and thus has an international obligation to ensure equal access to all members of the population. This obligation extends to giving people with disabilities the right to conduct banking services. This has been recognised by several Reserve Bank of India (RBI) directives as well, although these guidelines have not been fully implemented so far.

Currently, it is very difficult for people with disabilities to use banking services in India. If a person who has a hearing disability walks into a branch for a home loan, the branch does not have a person who can understand or interpret sign language. More usually, the branch does not even have the resources or knowledge about whom to contact to facilitate the interaction by interpreting. These obstacles mean that a person with disability/ies always has to latch on to someone who is fully capable to help them. Without such help in the form of guarantors or co-borrowers who are fully capable, the chances of obtaining finance from the banks are low because bank's probably give a person with disability/ies a much lower credit rating based on their own internal criteria. These determinations automatically put the disabled at a disadvantage. A person with a learning disability, for example, dyslexia, will face severe difficulty filling out an application form (or any document for that matter) and banks are not disabled friendly in terms of the attitude of the staff towards such difficulties.

Making banking accessible for people with disabilities is both a best practice that should be followed, as well as a sound commercial decision. There are a large number of people in India with differing levels of disability, who would benefit from using banking services. Additionally, the number of people will only increase with time as India’s young population grows old, since incidence of disability increases with age.[6] The Internet, above all, is a tool for people with disabilities to bridge the differences between them and others, and all efforts must be made to ensure that they are not at a disadvantage when it comes to using services such as net banking. There is also the consideration that improving accessibility improves access for all users, and makes it possible for them to make use of more services. A lot of accessibility issues (such as the physical accessibility to branches and ATMs, signature mismatches due to hand tremors or strokes) are common to the disabled, the elderly and those with neurological conditions. Taken together, this constitutes a significant percentage of the customer base — so these issues should be addressed by banks for that reason alone.

This report will look at the legal imperatives that govern accessibility in banking services in India, and look at the various problems being faced by people with disabilities when trying to use banks. It will also look at sample guidelines from other countries and suggest best practices for banking institutions, as well as take a look at the various costs that could be incurred in trying to make their banks more accessible.

The scope of this report is restricted to covering only basic banking services in India, and other financial services, such as insurance and loans, have not been dealt with.

Legal Imperatives

The rights of persons with disabilities have been recognised under various legal instruments, and it has been established that they are to be given the same services and privileges as other members of society.

Constitutional Provisions

Part III of the Constitution of India, which deals with the fundamental rights of citizens, recognizes the principle of equality of all people. Article 14 states that the government must accord equal protection of the law to any person within the territory of India.[7] This recognition of the importance of non-discrimination means that the state must ensure that people with disabilities do not suffer disadvantages when it comes to accessing public services.

Article 15, which deals with prohibition of discrimination on various grounds states that no citizen is to be subject to any disability, liability or restriction with regard to access to shops, public restaurants, and other public places.[8]

It is evident that this important constitutional protection extends to people with disabilities, and it is their right to gain equal and accessible access to all manner of services, including banking.

Legislation dealing with Disability

There are several national laws that deal with the rights of people with disabilities, though not all of these laws have a direct bearing with banking.

The Persons with Disabilities (Equal Opportunities, Protection of Rights and Full Participation) Act, 1995

The Persons with Disabilities (Equal Opportunities, Protection of Rights and Full Participation) Act, 1995 (“the PWD Act”) was enacted to give effect to the proclamation on the full participation and equality of people with disabilities on both central and state governments. The PWD Act has been enacted under Article 253 of the Constitution.[9] It has several provisions for people with disabilities, including education, employment, creation of barrier free environment, social security and similar overlooked areas. It provides for a three tier arrangement:

For evolution of policy for the benefit of persons with disabilities Implementation of the provisions of the Act and laws, policies, etc., and monitoring implementation and redressing grievances.

The implementation of the Act relies on collaboration between the appropriate governments, which includes various central ministries and departments, state and union territories, and local bodies.[10]

Chapter VIII of the Act deals with non-discrimination, and one of the measures it recommends is making buildings accessible by simple measures such as curb cuts and slopes in the pavements for wheelchair users.

There are several problems with the enactment.[11] The terms "accessibility" and "disability" are not clearly defined. They are also not provided as a matter of right but are based on the economic capacity of the service provider. It also fails to consider the access to services and information. However, public banks need to be conscious, since they will usually be considered to have sufficient economic capacity, and might be bound to deliver their services to people with disabilities. This has often become an issue in other jurisdictions as well. In 2009, the Royal Bank of Scotland, for example, was forced to pay extensive damages to a disabled student who was unable to access the bank due to a lack of wheelchair lifts.[12]

The National Trust for the Welfare of Persons with Autism, Cerebral Palsy, Mental Retardation and Multiple Disabilities Act, 1999

The trust is intended to give complete care to people with mental retardation and cerebral palsy, and also manage the properties bequeathed to the trust. The trust supports programmes that promotes independence and address the concerns of these special persons, especially the ones who do not have family support. The trust is also empowered to receive grants, donations, benefactions, requests and transfers.[13]

The Mental Health Act, 1987

The Act consolidates and amends the law relating to the treatment and care of mentally ill persons, in order to make better provisions with respect to their property and affairs, and other incidental matters.[14]

The Rehabilitation Council of India Act, 1992

The Act was created to provide for the constitution of the Rehabilitation Council of India for regulating training of the rehabilitation professionals and maintaining of a central rehabilitation register. It also regulates the recognized rehabilitation qualifications, and prescribes minimum standards of education.[15]

RBI Notifications

The most important resource when it comes to banking guidelines is the RBI, which comes out with regular notifications. The RBI has been conferred wide powers under the Banking Regulation Act, 1949 (BRA),[16] under which it can supervise and control the various banking companies, and they are bound to follow its directions. Section 35A of the Act specifies that in public interest or in the interest of banking policy, the RBI can issue such directions as it deems fit, and the banking companies or the banking company, as the case may be, shall be bound to comply with such directions.[17]

RBI has released several notifications dealing with the rights of the disabled.

Circular on grant of banking facilities to the visually challenged

In its Circular DBOD. No. Leg BC. 91 /09.07.005/2007-08 dated June 4, 2008,[18] the RBI mandated that banking facilities (including cheque book facility, operation of ATM, locker, etc.) cannot be denied to the visually challenged as they are legally competent to contract.

In the notification, the RBI recalled the order of the Chief Commissioner for Persons with Disabilities, which had earlier been passed by the Indian Banks’ Association (“IBA”) to its member banks. The Order instructed that banks should offer all the banking facilities including cheque book facility, ATM facility and locker facility to the visually challenged and also assist them in withdrawal of cash. This order has reiterated that there can be no denial of services just because there is an apprehension of risk in operating or using the facility; it said that a similar security threat exists for all members of the population.

As per the RBI notification, the banks are therefore bound to:
Ensure that all the banking facilities such as cheque books are offered to the visually impaired without any discrimination. These facilities should include third party cheques, ATM, net banking, locker, retail loan and credit card facilities.

Advise their branches to render all possible assistance to the visually impaired for availing the various banking facilities.

Circular on making ATMs accessible

The RBI had been receiving several suggestions to make branches and ATMs easily accessible to people with disabilities by providing ramps so that wheel chair users can access them and the height of the machine is also appropriate for them. It had also been receiving suggestions for installing speaking software and key pads with letters in Braille to facilitate use by persons with visual impairment. After considering these suggestions, the RBI passed a notification, directing the banks to implement such measures.

As per its Circular DBOD. No. Leg BC. 91 /09.07.005/2007-08 dated June 4, 2008, RBI has directed all banks to provide:

Ramps to ATMs: Banks have to take necessary steps to provide all existing ATMs or future ATMs with ramps so that wheelchair users or persons with disabilities can easily access them and also make arrangements in such a way that the height of the ATM does not create an impediment in its use by a wheelchair user.
Ramps at bank entrances: Banks may also take appropriate steps including providing ramps at the entrance of the bank branches so that the persons with disabilities or wheelchair users can enter the bank branches and conduct business without much difficulty.
Accessible ATMs: Banks should make at least one third of new ATMs installed as talking ATMs with Braille keypads and place them strategically in consultation with other banks to ensure that at least one talking ATM with Braille keypad is generally available in each locality for catering to needs of visually impaired persons.
Information about the ATMs: Banks should also bring the locations of such talking ATMs to the notice of their disabled customers.

Circular on implementation of the guidelines

These guidelines were strongly reiterated as recently as September 5, 2012, where the RBI by its notification numbered DBOD.No. Leg.BC. 38/09.07.005/2012-13[20] highlighted the abovementioned circulars. It said that it had been brought to their notice by the Office of the Chief Commissioner for Persons with Disabilities that visually challenged persons are facing problems in availing banking facilities like internet banking.

Banks were advised under this notification to strictly adhere to instructions contained in the above circulars and extend all banking facilities to persons with blindness, low-vision and other disabilities.

Circular on guardianship certificates

The RBI, by its Master Circular DBOD.No.Leg.BC.9/ 09.07.006/ 2009-10[21]dated July 1, 2009 on Customer Service, directed banks to accept guardianship certificates issued by local level committees set up under the National Trust Act, enabling persons with disabilities like autism and cerebral palsy to open and operate accounts. Banks were advised to rely on the guardianship certificate issued either by the district court under the Mental Health Act or by the local level committees under the National Trust Act for the purposes of opening and operating bank accounts[22] by the legal guardians for people with disabilities that is covered under the Act. Banks were also advised to ensure that their branches give proper guidance so that the parents or relatives of the person with disability/ies do not face any difficulties in this regard. It has also directed that information about the opening of such bank accounts be displayed conspicuously, in both English as well as the regional language, in its circular RBI /2009-10/142.[23] This notification was in response to a Delhi High Court decision that directed banks to put up such information.

Banks are therefore directed to:

Accept guardianship certificates: Banks can accept certificates issued by local level committees set up under the National Trust Act or district court under the Mental Health Act, so that persons with disabilities like autism and cerebral palsy can open and operate accounts.
Provide assistance: Banks should ensure that their branches give proper guidance so that the parents or relatives of the person with disability/ies do not face any difficulties.
Display information: Banks should ensure that information about the opening of such bank accounts be displayed conspicuously, in both English as well as the regional language.

National Policy on Disability

The National Policy for Persons with Disabilities, which was published in 2006, recognizes the extent of problems faced by the disabled in India. The report also discusses the number of citizens who are affected by disability: “According to the Census 2001, there are 2.19 crore persons with disabilities in India who constitute 2.13 per cent of the total population. This includes persons with visual, hearing, speech, locomotor and mental disabilities. Seventy five per cent of persons with disabilities live in rural areas, 49 per cent of disabled population is literate and only 34 per cent are employed. The earlier emphasis on medical rehabilitation has now been replaced by an emphasis on social rehabilitation. There has been an increasing recognition of the abilities of persons with disabilities and emphasis on mainstreaming them in the society based on their capabilities.”[24] The policy endorses accessibility and says that a barrier-free environment enables people with disabilities to move about safely and freely, and use the facilities within the built environment. In the principle areas of intervention identified by the policy, it ensures that banking services are made barrier free and accessible.[25]

The National Policy is intended to inform the disability plan to be incorporated in the 11th Five Year plan,[26] which will have a timeline and funds for programmes which can be allotted through the Finance Commission.

Explaining Disabilities

There are many problems faced by people with disabilities when they consider banking and financial services. From the very beginning, banks are a complicated route to charter for people with disabilities. Banks often resort to complex schemes and pricing systems, which can be difficult to understand for people with cognitive disabilities.[27] Finding bank branches and ATMs in their neighbourhood which are disabled-friendly and can be accessible to them is another difficulty, especially in a place like India where finding information is often a problem. There might be problems with physical accessibility — lack of ramp which makes it impossible for a wheelchair-bound person to use a bank or uncomfortable height of an ATM which makes it unwieldy for a wheelchair-bound person to access it — which can extend to the virtual realm as well: if a bank’s website is not complying with the standards for web-accessibility (discussed below) and is difficult to use by people with disabilities, they will be unable to take recourse to internet banking, as well.

In many countries such as Australia[28] there is great reliance on phone banking, which can be especially helpful to blind customers, or on audio-based telephone devices, which can be used by deaf-blind or the deaf customers. However, neither technology is at present available in India; text-based alternatives or spoken prompts (TTY based telephone banking) are not used by any banks. It is therefore essential that if a customer is using the interactive voice response (“IVR”) system of a bank and speaking to a bank representative on the phone to get a transaction done that the communication be clear, precise and easy to follow — as anyone who has attempted phone banking in India would testify, that is certainly not the case.

Let us take a look at some specific disabilities and what banks can do to ensure accessibility to their customers:

Problems faced by the hearing impaired while banking

When a person who cannot hear goes to a bank, the first problem they face is the fact that unless they are proficient at lip reading, they will find it difficult to communicate with the bank officials or tellers even when undertaking simple tasks like withdrawing money or depositing cheques. An important point to remember is that most hearing impaired people are more familiar with sign language than with English, and so can get confused by the complicated language used by the banks in their brochures and information booklets. If a deaf customer is communicating with the bank official by writing out instructions, it could take a longer time than other customers and they might face problems with other customers.

Another problem that might occur is that error messages or other audio cues might not be picked up by customers who are using multimedia based banking services or ATM machines.[29] This problem is exacerbated when using customer care services for banks, which are usually available only on the phone. With a lack of technological options for the hearing impaired, they are unable to access the IVR systems, or interact with customer care executives, which make it difficult for them to avail of all banking service facilities.

What can banks do?

Training: Ensure that the bank staff is sensitised to the needs of the disabled and deaf customers, and know of a sign language translator who can be called if a customer requires it.
Ease of understanding: Make the instructions — both in the physical banks as well as in ATMs and websites — simple and precise, so they are easily understood. This will help all customers, not just those with disabilities.
Technical solutions: One solution available in some countries is using a phone-to-text machine or software that enables hearing impaired customers to use the phone banking and customer care services of a bank. For example, the Royal Bank of Scotland users can use a Typetalk or BT Textdirect service which will enable them to speak to an operator and so convey their messages.[30] If a bank feels that sufficient customers will benefit from such a technology, it should invest in it.
Sign language interpretation: A more low-tech solution is to offer interpretative services, where customers who need it can be assisted by someone who is proficient in sign language to help relay their point across to the bank.

Problems faced by the visually impaired while banking

Visually impaired customers can find it difficult to navigate and even reach their banks, if the path is not clear and if the building is not provided with enough ramps and clear entrances. Even understanding the terms and conditions of banks and their services are difficult to comprehend, because the language used to describe services and procedures is confusing and complicated. Often, a booklet with the terms and conditions is simply handed over with no concern for how the person is supposed to read them. Visually impaired people might also face problems in distinguishing details on cheques and other financial instruments which, unlike currency, do not have physically distinguishable marks on them.

Visually impaired customers often face a lot of problems while using ATMs, because the keys are not marked with recognisable lettering in Braille. Even when there is a token raised symbol on the middle key or Braille markings on the keypad for tactile recognition, there is still the problem that what is being displayed on the touchscreen, as well as the instructions on how to proceed with a transaction, are not capable of being communicated. Most ATMs in India are not equipped with an audio jack, and so can’t be used by blind customers who want to connect headphones and hear the display on the screen.

There is also the problem of signature mismatches, especially when it comes to opening accounts and signing cheques. Currently the bank’s solution is to not have the person with disability/ies sign the cheque, which is not a solution that works consistently, especially when a person with disabilities is running a company. There should be a separate process in place to facilitate issuance of cheques by the visually impaired.[31]

The first and most obvious problem with the visually impaired using net banking and other services on the internet is that they won’t be able to see the screen. Similarly, when they attempt to use the ATM machines, the screen cannot be read and the keyboard functions are often unclear. The problem is often accentuated for people with low vision, because the improper lighting, low contrast print and other glares make it difficult to make out what the screen says.[32] Some sites have a security requirement where users have to input CAPTCHA (Completely Automated Public Turing test to tell Computers and Humans Apart) codes in order to validate their payment or to register for a particular service; using such security codes can be particularly problematic for blind customers.[33] Banks websites might have pop ups or automatic music playing, which makes it difficult for the visually impaired to use their screen readers. Another problem arises in the mobile applications (“apps”) that are used by various banks; the format is not supported by screen readers on smartphones, and so customers with disabilities can’t use the facility made available to others.

What can banks do?

Training: Sensitise the staff to the needs of blind customers, and ensure that there is a customer care executive who is present when a visually impaired customer needs assistance with a particular service.
Accessible formats: Printing out bank documents or statements in large size fonts, Braille or in audio script format if required is the first thing that banks can do to assist their visually impaired customers. Banks can also try to migrate towards accessible e-text or DAISY formats for their disabled customers.
Banking Guide: Coming out with a bank note guide to help identify the different bank notes and counterfeits, if any, is also important for visually impaired people who rely on their sense of touch. Similarly, an accessible format guide that takes you through the various steps that are involved in withdrawing cash or using an ATM would greatly assist blind customers who are using a new format or type of bank machine for the first time. At the same time, increasing the screen size and resolution of ATM screens would go a long way in improving access to the customers.
Templates: Banks can also be encouraged to come out with cheque book templates, so that blind users can familiarise themselves with using such bank documents and the process of writing cheques becomes easier for them.[34] Banks should also develop a better solution to the problem of visually impaired customer’s inability to sign cheques.
Open format statements: Banks should also ensure that when they provide customers with statements, they are made available in open formats, such as HTML or RTF, so that they can easily be read by screen readers.
Technical solutions: There are some alternatives to the CAPTCHA codes available, such as audio codes or maths questions. Some sites have the option of hearing the codes, instead of just seeing them. There are also human aided accessible CAPTCHA services (such as Solona), where the customer can send a screenshot of the screen to an aide. However, this has several security and privacy implications, and so is not an ideal solution. Multimedia on the websites of banks should be made optional, with a clear possibility of turning the music or animation off, so that users can use the screen reader without any problems.
Mobile apps: Banks should work with their technology partners to ensure that their mobile apps are accessible on all devices and can be used by customers using assistive technology.
Improved ATMs: Several banks around the world are switching to ATMs which give output in multiple formats, such as audio and large-font print,[35] making them more user friendly. There are several guidelines in effect in various jurisdictions which describe better design for ATMs, which takes into account the physical needs of disabled customers; newer ATMs which are set up should be asked to conform to such standards. While this is slowly starting to take place, more banks need to expand and improve their building structures keeping such guidelines and needs in mind. This has been discussed in the next section on ATM Guidelines.
Sensitisation: Special care should be taken to explain terms and conditions to visually impaired persons — there should be an effort to ensure that the person who is opening an account has understood the various terms and conditions and not just heard them.

Problems faced by those with physical disabilities while banking

In India, a major problem is the physical accessibility of banks, with hardly any buildings being equipped with ramps and elevators; even if the bank itself is made accessible via these architectural modifications, the area surrounding the bank, for example, the market place, might be difficult to reach for people in wheelchairs, ultimately making it very difficult for them to use banks.

People with physical disabilities might find controlling their limbs for prolonged periods to be a problem, and so would find it difficult to use not just the physical banking services, but also internet services which necessitate controlling a mouse for a long period of time.

What can banks do?

Build ramps: The most important step that needs to be taken by different banking institutions is ensuring that their ATMs and branches are accessible through a ramp, so that it is physically possible to reach from the road or other public area.
Elevators: Where possible, elevators should also be provided.
Special measures: Within the bank, there should be special provisions for people in wheelchairs or crutches, such as a designated queue and teller, so that they do not have to wait in queue for a long period of time.

Problems faced by those with cognitive disabilities while banking

People with cognitive disabilities might have lower attention spans and might have problems with understanding complicated bank procedures and requirements. If the steps involved in using an ATM or other physical transactions are not logical and simple, people with cognitive disabilities will be unable to handle them. As a lot of Indian banks are rather chaotic and the transactions lack a certain consistency, people with cognitive disabilities could face a lot of problems adjusting. People who have cognitive disabilities might also be relying on their guardians or parents to assist in operating their bank accounts, and legal and bureaucratic hurdles to doing so can be a big hassle.

The front staff at banks are often improperly trained and do not have a holistic understanding of how to deal with people with disabilities. It has also been observed that while banks can be helpful while opening accounts, they are not open-minded about granting loans to people with disabilities.[36]

Customers who are autistic have hand function issues which can cause their signatures not to match the ones on record, which again causes problems when it comes to opening accounts or signing cheques which ultimately bounce.

What can banks do?

Sensitisation: Sensitise the staff to the special needs of customers with cognitive disabilities.
Display of information: Information for guardians of such customers, on the requirements for opening bank accounts, should be prominently displayed in the branches of the bank (Refer to Section 4.3.4).
Uniformity in procedures: Banks should make uniform guidelines or procedures to be followed for each transaction, so that there is a certainty and regularity that eases the way for people with cognitive disabilities.
Clear language: Banks should also ensure that they use extremely simple and clear language in all their transactions as well as literature in order to mitigate confusion.[37]
Identity establishment: There need to be rules put in place to allow those who are unable to sign properly to establish identity in some other manner.

Guidelines on Banking Services and Technology

The previous section has looked at some of the problems being faced by people with disabilities when they access banking services in India. This section will look at some guidelines and best practices which are aimed at increasing the accessibility of services.

Mobile banking

There is the possibility of accessing a variety of financial services through mobile devices, which are termed as mobile banking or “m-banking”. This accessibility means that a lot of people with disabilities who live in rural areas, who have earlier not been able to access banks, can now do so using their mobile phones. Mobile banking also makes it much easier for customers with bank accounts to access their details and do transactions — for people with disabilities, this is a big step forward, as it means they do not have to endure the hassle and inconvenience of going to a bank, where they may not find the assistance that they need.

Currently, mobile banking is not that prevalent in India; less than one per cent of current bank customers are covered under the mobile banking services.[38]

However, the growth in mobile banking transactions has shown an increasing trend. For example, in the month of June 2012, 3.43 million transactions amounting to Rs. 3067.10 million were processed, as compared to 1.41 million transactions amounting to Rs. 984.66 million processed in June 2011 — an increase of about 143 per cent in volume and approximately 211 per cent in value terms.[39]

The Reserve Bank of India has passed some operating guidelines for mobile banking transactions.[40] These guidelines specify the technology and security standards, as well as the requirements for interoperability between operators, transaction limits and procedure for grievance redressal. They also tackle customer protection issues.

Banks should leverage the flexibility and utility of mobile banking in increasing access to their customers who have disabilities, as it would mean lesser expenses for both the banks as well as the customers.

Internet banking

Internet banking is increasingly popular with customers, due to its convenience and ease of use; it removes the necessity of physically going to a bank. Since physical banks are often difficult for people with disabilities to navigate, internet banking could provide the best solution (though there are several problems with this medium as well, as have been described in the previous chapter). However, banks can make their websites more accessible and follow the prescribed guidelines to ensure a better banking experience not just for their disabled customers, but for all customers.

The biggest obstacle that comes with developing net banking options which are accessible to all is the wide diversity in the people who are trying to access the banks’ websites, and it is here that universal design comes into play. “The goal of universal design is to have each web page accessible by all people, instead of providing separate web pages for people with disabilities. This requires, for example, for people who are blind, textual equivalents for all images, and reading order and structure compatible with screen reading; for people who are deaf, visual equivalents such as captions for all audio information; and for people with motor disabilities, means to navigate the page without fine motor control.”[41]

There are a set of standards in place for website accessibility. The Web Content Accessibility Guidelines (“WCAG”) 2.0 specify the manner in which the material on any website is to be perceivable, operable, understandable and robust.[42] Under these four stated principles of web content accessibility, twelve guidelines have been given, which give the web content developers a framework and set of objectives to understand the needs of the disabled. There are also levels of conformance that are defined for each guideline, and a list of sufficient and advisory techniques has also been given.[43]

The WCAG 2.0 Guidelines includes some basic steps, such as including text alternatives for all non-text objects, including descriptors or captioning for images, audio and animated sequences, and following a style sheet wherever possible, in order to maintain a consistent design. The guidelines deal with visibility and display (using contrasting colours for background and text; using relative sizing so that the text can be increased to upto 200 per cent), functionality (providing skip links such as “Back to Top”; ensuring that animation can be paused or switched off; ensuring keyboard as well as mouse functionality), and formatting (ensuring the text is not justified; setting the language attribute of each page; providing clear navigation mechanisms; ensuring that all mark up is validated and coded correctly), amongst others.[44]

The National Informatics Centre (NIC) has developed some guidelines for government websites, which contain best practices for accessibility in website design; these guidelines were released in 2009, and are mandated for governmental websites. The guidelines are classified into three categories: mandatory, advisory and voluntary; a compliance matrix has been provided for various departments and organisations to assess their compliance with the guidelines.[45] It is crucial that banks comply with these guidelines to ensure that a certain basic minimum standard at web accessibility is met for the banking customers across all websites.

Another dimension which is unique to India is that of regional language; for banking customers who are not comfortable with English, it is recommended that bank websites be provided in major regional languages as well. The best way to display regional fonts is to use Unicode (UTF-8). Banks should ensure that Unicode is used to display the fonts, as otherwise the fonts can become garbled and a person using a screen reader will not be able to access the written material at all.

A critical guideline to be followed is that visual information should also be coupled with audio information, and that frequency and volume of the audible cues should be capable of being configured and controlled by the user.[46]

Automated Teller Machines (ATMs)

The number of ATMs and their penetration in India is very low: 63 ATMs and 497 points of sale per million population,[47] and a number of regulatory and commercial requirements have led to their relative low (though increasing) use in India. RBI has recently passed guidelines on operating White Label ATMs[48] which effectively open up most of the acquiring part of the process to non-bank independent players.[49] This should ensure that there is a greater increase in the number and penetration of ATMs in India, which will be beneficial for people with disabilities only if the ATM-makers ensure that minimum guidelines for the disabled are met with.

Currently there are no guidelines in India on how to construct ATMs in accordance with the needs of people with disabilities. However, banks can take guidelines from other jurisdictions as their guide and look at how other countries have handled the issue of making ATMs more accessible. It is hoped that this lacuna in the policy will be filled soon.

The American Department of Justice recently notified a final ruling on the standards of accessibility relating to ATMs under the Americans with Disability Act (“ADA”). Such standards range from requirements that signs be in Braille, a voice guidance system, and input controls for blind users.[50] These standards took effect in March 2011, and had a March 2012 compliance date. All ATM owners are to comply with these guidelines when constructing or altering ATMs.

Some salient features of these guidelines are:

Height and reach: It is mandated that the ATM’s reach should be between 15 and 48 inches. Further, the graphic area where the touch commands are input needs to be lowered to the desired height.
The input device should be tactile, and so the surface of the keys should be different from the base and this should be apparent by touch. The keypad should also be arranged in a standard 12-key ascending or descending layout, as seen in telephones or computers.
ATMs must be equipped with both voice guidance systems as well as Braille language signage. This would mean adding a headphone jack to the machine, so the audio is heard only by the user and thus ensuring his privacy.
The display in the ATM needs to be clear; from an observation point 40 inches above the floor in front of the machine, the letters should appear in a sans serif font, with a minimum height of 3/16 inches, in a colour contrasting to the background.
There is also a requirement of equal services, which means that all services offered at any location through a bank’s ATM must also be provided by an “accessible” ATM in the same location. For this purpose, each installation is to be considered as a separate location.

The Indian Banks’ Association (IBA) has issued a Standards document on Accessible ATMs for customers with disabilities, and has also released a work flow document to be followed by various banks. The IBA Standards documents states that:

“The fundamental principle of an Accessible ATM for development, testing and implementation purposes is to ensure a machine which enable the user to complete all transactions successfully with a blank screen simply through voice guidance for totally blind users, permit independent use through clear screen data for low vision / partially sighted users and effective physical access for wheel chair users.”

The document specifies different accessibility measures to be taken for each level of accessibility (for example: completely blind users and users with partial sight), with details about the size and measurement of various features that need to be incorporated. It also includes a workflow to be incorporated into the Speaking ATMs for the effective use by people with disabilities.

Currency

For currency to be most effective as a means of payment, all users should have barrier-free access. The ability to conduct financial transactions using bank notes is crucial to independent living.[52] Yet this can pose significant challenges for individuals who are blind or partially sighted.

Physical currency (both notes and coins) are confusing and often cannot be distinguished from each other by merely feeling them. There is a great similarity between the hundred, five hundred and thousand rupee notes, as well as in the coins which are now completely confusing. Notes should also be discernible to the colour blind, which in their current form is not always possible. Various representations have been made to the Government of India on this regard and the change required is only a small one, though no changes have so far been forthcoming.

India can learn from the example of other countries which have experimented in the past with introducing currency which is friendlier to people with disabilities. Whether it is the printing of differently coloured notes, or the development of “raised-texture tactile features,”[53] there are several alterations that can be made to the currency. In India, the bank notes come with raised texture shapes to help the visually impaired to identify the different notes, and also come in different colours, though further improvements can be made. This problem is exacerbated in the coins — earlier, there was a differentiation in shape between them, but the newly minted coins of denominations Rs. 1, Rs. 2 and Rs. 5 are all very similar, and differentiating between them is a big problem.

In countries such as Canada, development of bank notes is based on a “continuous process that relies on scientific and empirical research, together with direct feedback from bank note user groups and experts. The bank consults Canadians living with blindness and low vision, as well as their representative organizations and vision experts, to identify the needs of this community and to explore potential solutions.”[54] It is this sort of consultative process that needs to be incorporated in India as well.

Telephone Banking

Telephone banking is in its nascence in India and not all banks provide it. Furthermore, there are no guidelines in place to govern how telephone banking would take place. For people with disabilities, telephone banking could be very useful, if the proper tools are made available to them. Banks can look at the draft guidelines of other countries (refer to section 8 of the Report) which have provisions for phone banking to see what kind of procedure they should follow.

Converting to Accessibility in India

Making banking accessible is not just in the commercial interest of the bank but is also in line with its commitments under various legislation and international conventions. In India, this has even been acknowledged by the RBI, which has issued a notification[55] suggesting that at least one-third of the new ATMs of all banks must be accessible.[56] Dinesh Kaushal has studied[57] some examples, such as the Punjab National Bank, which has set up some talking ATMs in Jaipur, or the State Bank of India which in 2010 announced plans of installing 7000 talking ATMs, but there is no news on the status of this goal. Currently the bare minimum target set by RBI is also not being met.

Subsequent to the RBI notifications, some positive developments have started taking place. The Union Bank of India has indicated that it will deploy over 100 Voice Guided ATMs — which not only allows access to visually impaired people but also people with physical disabilities through ramps for wheel chair access.[58]

Half of these ATMs are to be put up in the banks, and the other half in passport offices. The ‘Talking ATM’ is designed as per Access for All (AFA) standards and comprise of accessible key pads, voice-guidance technology, Braille stickers and multi-lingual capability. When a visually challenged person attaches his headphone set to this ATM, he can hear the instruction which enables him to fill-in the required data using the numeric keypad. Apart from reading aloud screen messages, the machine provides complete orientation making it easy for the customer to use the machine. An important security feature of this ATM is that it provides the person an option to blank out the screen as a safety mechanism to avoid shoulder surfing by any bystander trying to access customer data during the transaction.[59] The bank recently completed setting up the 100th such ATM in the building of the National Association for the Blind.

The NCR Corporation India, which has a 47.5 per cent share in the country’s ATM business, has stated that it will install 50 ‘talking’ ATMs in various passport offices.[60] The company set up India’s first talking ATM in Ahmedabad for the visually impaired under the Union Bank of India initiative described above. Importantly, the managing director of the ATM company stated that while the hardware of the ATMs remains the same, the software customisations depend on the specific needs. Banks do not need to change their entire fleet of ATMs for installation of new solutions.[61]

One concern that arises when we consider questions of accessibility is: what would be the cost of altering the present technology and infrastructure? If the cost of making banking accessible is too prohibitive, it would not be in the interests of the banks to do so.

“A talking ATM is the regular ATM with an additional module that allows a blind person to get the information in audio format. A talking ATM could be configured so that when a user plugs in a headphone in the audio jack, the ATM would start talking to the person with audio messages…Installing talking ATM technology is not very expensive. It might range anywhere between Rs. 25,000 and Rs. 50,000.”[62]

There needs to be an evaluation of the present ATMs to see if merely upgrading the software would suffice in converting them to speaking ATMs — if this is the case, it can be done so with the help of the manufacturer at a low cost. The evaluation would also help the banks identify those machines which can be upgraded by the addition of some simple technology and hardware, while the others could be marked for eventual replacement. At the same time, the new machines that are set up by the banks should be audio-enabled; this should not be difficult as “all new ATM installations are audio enabled, as all major ATM manufacturers now produce talking ATMs including Triton, NCR, Wincor-Nixdorf, Diebold, and Fujitsu.”[63]

Under the Americans with Disability Act, the determination of when an undue burden is placed on an establishment which has to make its services accessible is to be determined on a case by case basis, and would be considered keeping in mind factors such as the nature and cost of the upgrades, the availability of alternatives and the resources present with the financial institution in question.[64] Such a system should be incorporated in India as well, where the ability of the bank is considered when seeing the efforts it needs to make when converting its services to make them more accessible.

Union Bank of India’s Accessible and Talking ATM has brought in many initiatives for the first time, like the use of bilingual Indian accent text-to-speech (TTS) voices in English and Hindi, accessible infrastructure for the physically disabled and complete voice guidance support for ATM operation.[65] These should set the benchmark for other banks who want to improve the accessibility of their services as per the guidelines set forth by RBI.

Case studies and Guidelines in Other Countries

Looking at the guidelines that are present in other countries can be helpful in determining how banks in India should go about improving their services. The following countries have specific provisions in place which regulate or instruct how banks should handle their disabled customers.

New Zealand

The New Zealand Banker’s Association published a set of Voluntary Guidelines to meet the needs of older and disabled customers, which aim to improve access to banking services for such customers.[66] The guidelines recognise the increasing importance of older and disabled customers to banks as well as the importance of meeting their needs and demands. The guidelines direct the member banks to give training to the staff in order to better help the disabled customers, as well as to have specific procedures in place in case financial irregularities or abuse occur in bank accounts of people with disabilities. There are directions on improving physical accessibility (such as providing for low tables, ramps in ATMs, queuing aisles wide enough for wheelchairs and so on), as well as giving specific customer care help to those who need it, such as consulting the needs of the disabled when developing new services, having a provision for a reduction in fee if some customers are unable to use certain features, and having a provision for personal banking in special cases at no additional cost.

There are also specific provisions in the Guidelines for things such as ATM construction. Section 5.9 of the Guidelines specifies the factors to be kept in mind while designing ATMs: large screens, audible output, tactile differentiation in the keys, easy prompts in clear language and so on.[67] Section 5.10 talks about improving the accessibility of online banking and how bank websites should be designed, and recommends the use of international W3C web accessibility best practice standard, the accessibility-related New Zealand e-government web standards.[68] Finally, the Guidelines also talk about basics, such as clear and large font prints in their literature, and providing information in several formats (including Braille, DVD, and audio) wherever possible, to facilitate bank use by people with disabilities.[69]

Australia

The Disability Discrimination Act, 1992 (“DDA”) makes it unlawful to discriminate against a person on the grounds of a disability.[70] The objects of the DDA include eliminating, as far as possible, discrimination against people with disabilities and promoting recognition and acceptance within the community that people with disabilities have the same fundamental rights as the rest of the community. The law is administered by the Human Rights and Equal Opportunity Commission and sets out specific areas in which it is unlawful to discriminate. These areas include accommodation, employment, access to premises, and the provision of goods, services[71] and facilities. The HREOC administers the legislation, which includes complaints handling, public inquiries, policy development and education and training. The Commission has supported the development of several voluntary guidelines that determine accessibility in the sphere of banking.

The Australian Bankers’ Association (“ABA”) has worked with the community to produce voluntary Industry Standards in 2002 which aim to improve the accessibility of electronic banking. These standards cover a range of areas: ATMs, Electronic Funds Transfer at the Point of Sale, Automated Phone Banking and Internet banking.[72]

The voluntary standards for ATMs[73] cover a broad range of topics, including their access and location, their operation, the method of swiping and removing the cards, the display, the keypad, the output, security and privacy for the users, and finally, installation and operating instructions. There is a checklist provided with the recommended detailed standards for each of the above areas.

Electronic Funds Transfer at Point of Sale[74] occurs when funds are directly transferred from a cardholder's bank account to the retailer, when the cardholder's magnetic stripe card is swiped in an EFTPOS terminal. Cardholder authentication occurs by signature or Personal Identification Number (PIN). These standards cover areas such as access and location of the EFTPOS terminals, process of swiping, inserting or removing the card, operating instructions, display, keypad and output options, amongst others. A helpful checklist has been provided for EFTPOS deployers to assess whether their machines are disabled-friendly.

The guidelines on phone banking[75]

deal with financial services which are available to the customer via the telephone, that can be used by the customer without having to converse with an employee of the financial institution. The guidelines look at certain design principles, best practices for input and navigation, output, documentation, the role of TTY Communications and Relay Operators, and dealing with timeouts and errors. Like with the other standards, a checklist with the best practices as per the guidelines has been provided.

The standards on internet banking[76]

looks at various aspects of financial transactions taking place on the internet, and prescribe guidelines for design and implementation (for example: compliance with the WCAG1.0 standards), feedback and testing of accessibility, compatibility, enhanced usability (in areas such as navigation, registration, login, information redundancy and so on), consistency and user support. A specification checklist is also provided, so that owners can comfortably see whether their site is compliant with the guidelines or not.

There is an action plan for the above four set of guidelines, to check their implementation and to identify problems and barriers that may arise in the future.[77] Though these guidelines are voluntary, it is worthwhile to consider the example of such a detailed action plan, as implementation of any sort of guidelines will only become more efficient if something like this is followed.

The Australian Banker’s Association has also come up with a set of Guiding Principles for Accessible Authentication, which recognizes that “accessibility issues need to be considered in the deployment of authentication technologies, to ensure that people with disabilities and older people are not disadvantaged… The purpose of the Guiding Principles is to provide a framework for financial institutions to help reach a workable balance between security requirements, commercial strategies and equitable access to banking products and services.”[78] The Principles aim to follow certain universal design principles, of equitable and flexible use, minimal effort, simple and intuitive design, amongst others. They are as follows:[79]

Accessibility of authentication technologies: Financial institutions should ensure that authentication technologies are accessible to all customers, or where this is not possible, a human-based alternative authentication system needs to provide equivalent amenity and convenience.
Customer convenience: All customers should be able to undertake their personal and business financial activities conveniently and safely.
Authentication planning: Financial institutions should consider the accessibility needs of customers with disabilities and older customers as part of authentication technology planning.
Authentication testing: Financial institutions should consult customers with disabilities and older customers as part of planning and testing accessibility of authentication technologies.
Registration, login and transaction procedures: Financial institutions should ensure that registration; login and transaction procedures are as accessible as possible to all customers.
Messages and error recovery: Financial institutions should ensure that online messages are unambiguous and written in “plain English” and that error recovery processes are efficient and accessible.
Staff and customer training: Financial institutions should provide relevant customer support staff with appropriate disability awareness training so they are aware of the needs of customers with disabilities and older customers. In addition, financial institutions should provide customers with information and training in the use of available authentication technologies.
Raising staff, business and customer awareness: Financial institutions should develop a strategy for enabling relevant management and staff awareness of these Guiding Principles. In addition, financial institutions should promote the availability of alternative accessible authentication technologies with their customers.
Confidentiality of customer information: Financial institutions must ensure the confidentiality of information of customers with disabilities and older customers.

United States of America

The 2010 Standards under the ADA have set out detailed requirements to make ATMs accessible, as was discussed in the previous section of the paper. These elements are considered by the Department of Justice to be Auxiliary Aids and Services (and not structural elements) and the safe harbour provision does not apply to them.[80]

Though American ATMs have been equipped with text to speech functions and have been subject to height and space requirements for many years, the new rules provide for additional security and instructional features for disabled customers.[81]

All the ATMs which come under the scope of the ruling will have to be speech enabled; further, there are specifications as to the height requirement (the machine should be between 15 and 48 inches in height). There is a requirement that the input area be not just touchscreen, and it should be tactilely discernible from the surrounding surface; the keypad should be arranged in a manner that is common and easy to remember. Instructions about the use of the ATMs should be given in Braille and equal services should be offered to all customers, irrespective of their disabilities.

Subsequent to the passing of the ruling, the American Bankers’ Association recommended that banks be aware of the legal requirements under the Americans with Disabilities Act; ABA advocated that banks make a careful audit of their existing machines, and compare them to the standards to which they need to conform. In case the machines need to be upgraded, the machine manufacturers would have to be contacted in order to make alterations, if necessary.

Canada

Canada has issued standards for “self-service interactive devices”,[82] the umbrella term under which ATMs would fall, the purpose of which is to specify minimum accessibility and usability requirements for self-service interactive devices intended for public use. The standard specifies accessibility requirements for automated banking machines (ABMs) — both stand-alone and wall mounted — and ABM sites. There are specifications which give the various minimum dimensions that must be conformed to when constructing such self-service interactive devices. However, the standards do not look at the technological aspect, specifically excluding it from their purview and giving that responsibility to the relevant authority.[83] It is interesting to note that the steering committee that ultimately led to the adoption of the standards was pulled together by the Canadian Banker’s Association, and the committee included representatives from the major Canadian banks.[84] The committee recommended that there be a mandatory requirement for audible instructions and the provision for attaching headphones to an automated banking machine; it would be the duty of the financial institution to provide the headsets to the disabled customers, along with a list of machines where they could be used. The committee also looked into the issue of the cost of making the machines and other areas more accessible, and though they were waiting for more conclusive research, they were hesitant about the prohibitive cost of major redesigns.[85]

Netherlands

In 2007, the Dutch National Forum on the Payment System produced a document in English on "Guidelines for user-friendly payment terminals". These guidelines include advice on making payment terminals accessible and easy to use for people with disabilities and older people.[86] The guidelines describe certain standardised elements of the PIN payment procedure, the user interface and advocates practical values for the same.[87] The document then goes on to specify important design principles which must be kept in mind while considering the accessibility of payment gateways and banks; the guideline is designed in such a way that if the design principles are to be kept in mind, the subsequent ergonomic principles which have been described will be easy to meet.[88]

Suggestions and Recommendations

The report illustrates that though banks are mandated to ensure that there is accessibility in banking services in India, there is still a lot that needs to be done. There are several measures that can be taken up by banks, which will not be costly and which will be especially rewarding for customers with disabilities:

Compliance with RBI Guidelines: Banks should ensure a basic minimum compliance with the guidelines set forth by RBI for increasing access to banking services as described in Section 4.3 of the Report.
Compliance with International norms: Banks also need to ensure a basic minimum compliance with international norms, such as the WCAG 2.0 standards for websites, so that people with disabilities can access the bank websites with ease.
Physical Accessibility: Banks need to ensure that as far as possible, there is at least physical accessibility to their branches — which would include building ramps, having wider lifts, and so on. Branches should, even if they cannot be located on the ground floor, at least make reasonable accommodations for the disabled, such as having a person who can assist them up to the branch or come down to meet them. Branches should be organised in an easily navigable manner and there should always be a plan for assistance in place — interpreters, special staff to assist with filling out of forms, physical assistance, and easily available information in the form of maps, diagrams, bold text explanations, etc. Banks should also focus more on creating avenues for disabled customers to use their services. This would include building usable and user-friendly voice systems, which is currently needed.[89]
Technical Solutions: Today there are many technological solutions to overcome some of the barriers faced by the visually challenged in the area of banking. Finger print identification technology[90] can be effectively explored to allow the use of thumb impressions while operating bank accounts.[91] For example, the XRCVC is in the process of developing a 'thumb print recognition software named as "e-Signs" with the help of CMC Ltd. (a TATA Enterprise) which can be applied across the banking system in partnership with the RBI to process cheques.[92] Most manufacturers now have accessible ATM models and banks must ensure that new ATMs have these models installed, and that old ATMs are retrofitted to become accessible. Banks should also work with their technology departments to ensure that their mobile apps are accessible on screen reader and other assistive technology software.

Promote the growth of banking services for people with disabilities: State and national governments should encourage opening of bank accounts by the disabled so that any funds or scholarships can be directly transferred into their account as opposed to being given to organisations which may not transfer it to the beneficiaries — this would help curb malpractices. Information on how people with disabilities can open an account — whether joint or single — and the formalities they need to fulfil should be made easily and readily available. This will encourage more people to open accounts for/with the disabled.
Adopt accessible formats for disabled customers: Banks should publish instruction manuals for ATMs as well as banking procedures in accessible formats such as Braille and DAISY. The banks can then take help of various volunteer organisations in producing and distributing the books to the relevant segments of the population. Such materials should also be made available for download, free of cost, on the bank’s website.
Training and sensitisation: Banks should not simply train and sensitise their employees and increase awareness of the various kinds of disability and the services to be provided to the disabled, but actively solicit those with special needs and make it clear that they "understand their needs" and welcome their business. Banks need to consider whether it makes sense to have separate or specially prepared paperwork for the disabled to fill out if the regular forms are difficult to read or understand.
Preferential Treatment: The Ministry of Finance should push for preferential treatment of all persons with disabilities along the same lines as the special rates of interest provided to the elderly. Public sector banks like the State Bank of India have a massive network and such visible and actively advertised preferential treatment will spread awareness not only at the bank level but in society as well. This will really encourage family members of the disabled to help them set up bank accounts and will foster independence.
“Know Your Customer” (KYC) procedures undertaken by banks should be clarified and made simpler — a one-time verification should take place rather than repeated calls, visits, questions, clarifications and summons to the office or branch.
Bank managers and staff should be proactive and watchful enough to monitor and check for abuse of power by those who are 'assisting' or administering the property and money of the disabled, who are even more susceptible to fraud than the average account holder, and therefore should be provided with stronger anti-fraud/theft services, such as more frequent SMS or email alerts for transactions.

The most important aspect[93] that financial service providers need to understand is that accessibility— goes much beyond merely providing ramps and the financial service providers do not currently understand the variety of disabilities and the issues which are tied to each kind of disability. Consider ATMs — the way they are currently designed, the machines are too high for users who are in a wheelchair and the doors themselves are inaccessible to the orthopedically challenged; ATMs have neither voice support nor compatible software for the visually challenged. Thus, a basic and fundamental change in the way banks are catering to customers’ needs to take place.

Financial service providers should be more encouraging and should engage in outreach to make it easier and more attractive for those with less capability to open and operate accounts with their parents or guardians. Financial independence and control should be offered and facilitated to the maximum extent possible.

Accessibility should not be treated as a corporate social responsibility measure by the large banks and financial corporations, but as a responsibility to be fulfilled regardless of anything else. Further, public sector banks have the biggest responsibility to implement these measures — while they employ people with disabilities because they have a reservation [94] for them, their services are not accessible to their own employees! There needs to be an effort made to ensure that the internal banking software which is used is accessible for people with disabilities and can be accessed by them using the appropriate assistive technology like screen readers.

Financial service providers should tailor accessibility solutions to address each kind of disability and the range of problems faced by the persons affected by them; they should look at best practices from around the world and implement solutions on their own steam instead of minimum compliance with the government or RBI requirements. Ultimately, making financial services more accessible will only mean that their customer base will grow. Change needs to be top-down — rules and regulations first, then training, sensitisation, and then infrastructure. Schemes and offers should be put in place to attract the disabled as customers, assure them of good and competent service without discrimination, and incentives to invest or save (by offering special schemes such as those which currently exist for women and the elderly).

Building such systems would involve learning more about the customers and their particular situations and needs, and banks can take the help of various organisations that work with the disabled in order to get a better understanding of what they need to deliver. While there are some voluntary standards that can be used as a guide,[95] the most important aspect is to keep the basics in mind: simple and clear language, audible scripts, easy and non-confusing navigation and instructions and the ability to speak to someone in case of an error; these are all elements that will go a long way in ensuring that disabled customers are more equipped to use the financial services offered by a bank.

It would be helpful if there was a monitoring or evaluating mechanism to see how far banks are complying with the standards or guidelines that have been set forth before them. There needs to be a comparative study about how far, for example, the bank websites are compliant with the WCAG Guidelines on Web Accessibility or how easy it is for people with disabilities to access the bank counters and ATMs in different branches. Such a study would give good empirical evidence and serve as the starting point for improvement on the current scenario.[96]

In the light of the above, some specific suggestions/ recommendations are made to the Department of Banking Operations in order to make banking more inclusive for persons with disabilities and senior citizens as under:

The department may consider coming out with a policy/ Code requiring all banks to make their services accessible to persons with disabilities. The Policy/ Code may also identify good practices to be followed by banks with respect to areas such as websites, ATMs, mobile and phone banking services, website accessibility and customer care.
The Department may require RBI to stringently enforce its notification regarding accessibility of ATMs
The Department may ensure that accessibility be incorporated as a key strategy in all future policies and programmes planned by the Department and is also incorporated in any existing policy which is executed by the department.
The Department may involve persons with disabilities in executing its accessibility strategy and identify goals/ targets to be achieved over the next 5 years in terms of making banking services accessible in India.

Bibliography

“Barriers to Using Automatic Teller Machines”, Tim Noonan, available at http://www.hreoc.gov.au/disability_rights/inquiries/ecom/atmpaper.htm.
“Guidelines for Accessible and Usable Web Sites: Observing Users Who Work with Screen Readers”, Mary Theofranos and Janice Redish, available at http://redish.net/content/papers/interactions.html.
“The Banking Experience: How to Make Financial Services Accessible for Blind and Partially Sighted People”, RNIB’s Handbook of Good Practices and Standards, at http://www.rnib.org.uk/aboutus/Research/reports/2012/Banking_Experience_CP.pdf.
“Website Accessibility”, available at http://www.tiresias.org/research/guidelines/web.htm.
ABA Guiding Principles for Accessible Authentication, available at http://www.bankers.asn.au/ArticleDocuments/177/ABA-Guiding_Principles_for_Accessible_Authentication.doc.aspx
John Gill, “The Markets for the Adaptation of Self Service Terminals to be Accessible by People with Disabilities”, available at http://europa.eu/information_society/activities/einclusion/docs/worshop_atm/atm_markets_report.doc
Carolyn Samuel, “Making Bank Notes Accessible for Canadians Living with Blindness or Low Vision”, available at http://www.bankofcanada.ca/wp-content/uploads/2011/08/samuel.pdf.

Glossary of Terms

ABA - Australian Bankers’ Association
ABM - Automated Banking Machines
ADA - Americans with Disability Act
AFA - Access for All
BRA - Banking Regulation Act
BT - British Telecom
CAPTCHA - Completely Automated Public Turing test to tell Computers and Humans Apart
DDA - The Disability Discrimination Act (Australia)
EFTPOS - Electronic Funds Transfer at Point of Sale
HREOC - Human Rights and Equal Opportunity Commission
HTML - Hyper Text Markup Language
IBA - Indian Banks’ Association
IVR - Interactive Voice Response
NIC - National Informatics Centre
PIN - Personal Identification Number
PWD - People with Disabilities
PWDA - The People with Disabilities (Equal Opportunities, Protection of Rights and Full Participation) Act, 1995
RBI - Reserve Bank of India
RTF - Rich Text Format
TTS - Text to Speech
UNCRPD - United Nations Convention on Persons with Disabilities
WCAG - Web Content Accessibility Guidelines
XRCVC - Xavier’s Resource Centre for the Visually Challenged

Annexure 1 – Disability and Accommodations

Disability	Branch Banking	Phone Banking	Internet Banking	Payment Terminals and Kiosks	Mobile Banking
Physical Disability	Bank branches are inaccessible to people using wheelchairs, as they are not provided with ramps, and often have steps at the entrance The queuing and counter system in place is not friendly for customers with disabilities; desks are not always at a height that can be accessed by someone in a wheelchair The staff is not sensitised to the needs of customers with physical disabilities Suggested Solution: Conduct sensitisation and training programmes for the staff train them about the needs of customers with disabilities Construct ramps and walkways so that buildings are accessible by wheelchairs Ensure that the bank layout is accessible and as uniform as possible, ensuring ease of access for customers with disabilities		Using websites which are not accessible could be a problem for a person who doesn’t have full use of their limbs Suggested Solution: Ensure websites are compatible with assistive technologies, such as alternate input devices. Standards such as the WCAG should be followed	ATM entrances are not accessible for people with wheelchairs as they are not provided with ramps ATMs are often too high, and cannot be accessed by someone who is sitting in a wheelchair Using keypads could be a problem for a person who doesn’t have full use of their limbs Suggested Solution: ATMs should be provided with ramps (with the appropriate slope) that can be accessed by customers in a wheelchair ATMs should be at the appropriate height and should be designed keeping in mind the needs of people in wheelchairs	Using phone apps could be a problem for a person who doesn’t have full use of their limbs Suggested Solution: Mobile apps should have a clean interface, which is not problematic to use and which can be controlled by voice commands
Visual Disability	Branches are not laid out in a uniform manner, and are difficult to navigate for someone who can’t see The signage is not done in raised texture maps, and so can’t be accessed by someone who can’t see Coinage in India is not disabled-friendly, with the coin sizes being very similar to each other and difficult to demarcate Bank literature is not available in large print or Braille formats and so can’t be read by people with low or no vision Suggested Solution: Conduct sensitisation and training programmes for the staff train them about the needs of customers with disabilities Textured maps and signage should be made readily available at branch locations The branch layout should be simplified so that someone with a visual disability is not at a disadvantage In case the customer desires, bank literature, statements and other documents should be made available in alternate formats (eg: large print, Braille, PDF)		Websites are often not accessible using assistive technologies like screen readers, and are not navigable using non-traditional input devices Suggested Solution: Websites need to be made accessible and should comply with the Web Content Accessibility Guidelines (WCAG) which clearly specify how best to make the web interface usable for people with disabilities	There aren’t many speaking ATMs with audio jacks which can be used by people who can’t use the touchscreen The number pad display is not uniform amongst various banks, and so can be problematic for people relying on tactile memory Suggested Solution: Banks should introduce more speaking ATMs, which have an audio jack that can be plugged into a listening device, which helps a customer with visual disability use an ATM	Mobile banking apps are not accessible using phone screen reading software Suggested Solution: Phone apps need to be made accessible and should comply with the W3C Guidelines which specify how best to make the mobile interface usable for people with disabilities
Hearing Disability	Branch officials have not been sensitised to the requirements of someone who is hearing impaired, who might require them to write down their statements Sign language interpreters are not on call to help translate in case a person with disability needs them Alert and announcements in banks are usually based on sound notifications, and so can often be missed by customers with hearing disabilities Suggested Solution: Conduct sensitisation and training programmes for the staff train them about the needs of customers with disabilities Designated branches should have a sign language interpreter on call for assistance of customers with hearing disabilities Notifications and announcements, such as at a teller, should be accompanied by a visual alert as well (eg: a blinking light, or a number flashing on a screen)	There is great reliance on spoken directions and no option for a deaf customer to have a conversation about phone banking with their bank No provision for options such as text relay that can be used by deaf customers to do banking transactions The options on an automated VRS system at a bank’s call centre are often not clear and are incomprehensible Suggested Solution: Banks should attempt to introduce text relay services, which can be used by deaf customers to communicate with bank officials via the phone The VRS system should be in clear, understandable and audible tones for the ease of customers		Alerts and notifications in an ATM are usually in the form of a loud noise or a beep, which will be missed by a person with hearing disability Suggested Solution: ATMs should have a light which flashes in case of a notification, which will come to the attention of the user
Cognitive Disability	Bank literature and documents are complicated and the language is not easy to comprehend; this could be a problem for someone with a learning disability Banks have a bias against someone with a learning disability and despite rules against this, are reluctant to open account for customers with cognitive disabilities Suggested Solution: Conduct sensitisation and training programmes for the staff train them about the needs of customers with disabilities Bank documents, scheme information and so on should be in clear, easy to understand language	The options on an automated VRS system at a bank’s call centre are often not clear and are incomprehensible Suggested Solution: The VRS system should be in clear, understandable and audible tones for the ease of customers

Annexure 2 – Banking and Accessibility Guidelines

Area of Banking	Guidelines/Recommendations
Mobile banking	Web Accessibility Initiatives international guidelines on mobile accessibility: http://www.w3.org/WAI/mobile/
Internet banking	The Web Content Accessibility Guidelines lay down the principles for making websites more accessible for people with disabilities: http://www.w3.org/TR/WCAG/ Australian Industry Standards for Electronic Banking: http://www.bankers.asn.au/Industry-Standards/ABAs-Accessibility-of-Electronic-Banking- Royal National Institute for the Blind’s Good Practices and Standards for Electronic Banking: www.rnib.org.uk/aboutus/Research/reports/2012/Banking_Experience_CP.pdf
ATMs and payment kiosks	Americans with Disabilities Act ATM Standards, 2010: www.firstdata.com/downloads/thought-leadership/atm_ada_accessibility.pdf Australian Industry Standards for ATMs: www.bankers.asn.au/Industry-Standards/ABAs-Accessibility-of-Electronic-Banking-/ATM-Standard Canadian Guidelines on Self Service Interactive Devices: A summary is available at “Standard B651.1-09”, sourced from http://hub.eaccessplus.eu/wiki/Canadian_standard_for_accessible_design_for_automated_banking_machines Dutch Guidelines on Payment Terminals: http://hub.eaccessplus.eu/uploads/a/a1/Dutch_Guidelines_on_payment_systems.pdf
Phone Banking	Australian Industry Standards for Automated Phone Banking: http://www.bankers.asn.au/Industry-Standards/ABAs-Accessibility-of-Electronic-Banking-/Automated-Telephone-Banking-Standard
Branch Banking	New Zealand Banker’s Association Voluntary Guidelines on Meeting Needs of Older and Disabled Customers: http://www.nzba.org.nz/banking-standards/code-of-banking-practice/voluntary-guidelines-to-assist-banks-to-meet-the-needs-of-older-and-disabled-customers/

[1]. Data taken from http://www.disabilityindia.com/html/facts.html.

[2]. “NCR Corp to set up 50 Talking ATMs in Post Offices”, available at http://lflegal.com/2012/09/ncr-india/.

[3]. More data on disability can be seen at the World Bank Country Profile on Disability for India, available at http://siteresources.worldbank.org/DISABILITY/Resources/Regions/South%20Asia/JICA_India.pdf.

[4]. Full text available at http://www.un.org/disabilities/default.asp?id=259.

[5]. Full text available at http://www8.cao.go.jp/shougai/english/biwako/contents.html.

[6]. See generally: “Guidelines for Accessible and Usable Web Sites: Observing Users Who Work with Screen Readers”, Mary Theofranos and Janice Redish, available at http://redish.net/content/papers/interactions.html, last viewed on July 26.

[7]. Article 14: Equality before law - The State shall not deny to any person equality before the law or the equal protection of the laws within the territory of India (Prohibition of discrimination on grounds of religion, race, caste, sex or place of birth).

[8]. Article 15. Prohibition of discrimination on grounds of religion, race, caste, sex or place of birth
(1) The State shall not discriminate against any citizen on grounds only of religion, race, caste, sex, place of birth or any of them
(2) No citizen shall, on grounds only of religion, race, caste, sex, place of birth or any of them, be subject to any disability, liability, restriction or condition with regard to
(a) access to shops, public restaurants, hotels and palaces of public entertainment; or
(b) the use of wells, tanks, bathing ghats, roads and places of public resort maintained wholly or partly out of State funds or dedicated to the use of the general public

[9]. Article 253: Legislation for giving effect to international agreements - Notwithstanding anything in the foregoing provisions of this Chapter, Parliament has power to make any law for the whole or any part of the territory of India for implementing any treaty, agreement or convention with any other country or countries or any decision made at any international conference, association or other body.

[10]. For more details on the legislation, along with the full text, refer to http://socialjustice.nic.in/policiesacts3.php.

[11]. See generally: www.accessability.co.in/access/files/Accessibility-in-India-Issues-Status-Way-Forward.pps.

[12]. “Bank loses accessibility case”, available at http://www.fm-world.co.uk/news/fm-industry-news/bank-loses-accessibility-case/.

[13]. Singh, A. & Nizamie, S.H. (2004) Disability: the concept and related Indian legislations. Mental Health Reviews, accessed from http://www.psyplexus.com/mhr/disability_india.html on September 11, 2012.

[14]. Id.

[15]. Id.

[16]. Full text of the legislation is available at The Banking Regulation Act, 1949, http://indiankanoon.org/doc/1129081/

[17]. Section 35A: Power of the Reserve Bank to give directions-
(1) Where the Reserve Bank is satisfied that-
(a) in the public interest; or
(aa)in the interest of banking policy; or
(b) to prevent the affairs of any banking company being conducted in a manner detrimental to the interests of the depositors or in a manner prejudicial to the interests of the banking company; or
(c) to secure the proper management of any banking company generally; it is necessary to issue directions to banking companies generally or to any banking company in particular, it may, from time to time, issue such directions as it deems fit, and the banking companies or the banking company, as the case may be, shall be bound to comply with such directions.
(2) The Reserve Bank may, on representation made to it or on its own motion, modify or cancel any direction issued under sub- section (1), and in so modifying or cancelling any direction may impose such conditions as it thinks fit, subject to which the modification or cancellation shall have effect.

[18]. Available at http://rbi.org.in/scripts/NotificationUser.aspx?Id=4226&Mode=0

[19]. Available at http://rbi.org.in/scripts/NotificationUser.aspx?Id=4923&Mode=0

[20]. Available at http://www.rbi.org.in/scripts/BS_CircularIndexDisplay.aspx?Id=7548

[21]. Available at http://rbi.org.in/scripts/BS_CircularIndexDisplay.aspx?Id=5071.

[22]. “Banking Made Easier for People with Disabilities”, available at http://www.autism-india.org/india_legal.html.

[23]. Available at http://rbi.org.in/scripts/NotificationUser.aspx?Mode=0&Id=5248.

[24]. National Policy for Persons with Disability, available at http://www.socialjustice.nic.in/nppde.php?format=print.

[25]. Principle Areas of Intervention VI (x): “Banking system will be encouraged to meet the needs to the persons with disabilities”, Id.

[26]. See generally: Discussion on disability in the Mid Term Appraisal of the Eleventh Five Year Plan, Page 185, available at http://planningcommission.nic.in/plans/mta/11th_mta/chapterwise/Comp_mta11th.pdf.

[27]. Tim Noonan, “Acceptable E-commerce in Australia: A Discussion Paper about the Effects of Electronic Commerce Developments on People With Disabilities”, available at http://www.timnoonan.com.au/ecrep10.htm

[28]. Id.

[29]. “Barriers to Using Automatic Teller Machines”, Tim Noonan, available at http://www.hreoc.gov.au/disability_rights/inquiries/ecom/atmpaper.htm, last viewed on July 26, 2012.

[30]. See generally: Accessibility at the RBS, available at http://www.bankofscotland.co.uk/accessibility/hearing-impaired/, last viewed on July 20.

[31]. In conversation with Mr. George Abraham, CEO, SCORE Foundation. Ms. Radhika Alkazi, Managing Trustee of Aarth-Aastha also pointed out that in many instances, banks often ask persons with disabilities to bring someone else to sign for them (or operate the account on their behalf) even when the person is fully capable of signing and operating the account themselves. There is no fixed basis for the procedure, which varies from bank to bank.

[32]. “Barriers to Using Automatic Teller Machines”, Tim Noonan, available at http://www.hreoc.gov.au/disability_rights/inquiries/ecom/atmpaper.htm, last viewed on July 26, 2012.

[33]. “The Challenges of Blind Internet Users”, available at http://www.evengrounds.com/blog/challenges-of-blind-internet-users, last viewed on July 15.

[34]. See generally: Accessibility at the RBS, available at http://www.bankofscotland.co.uk/accessibility/visually-impaired/, last viewed on July 20.

[35]. Consider the development of such ATMs by Wells Fargo bank in the USA; more details are available at https://www.wellsfargo.com/about/diversity/accessibility/.

[36]. In conversation with Mr. Anil Joshi, the Programme Director of Human Ability and Accessibility at IBM, who works with parents of children with Down’s Syndrome and other mental disabilities. He also pointed out that given that only a miniscule portion of people with disabilities are able to understand banking concepts, the few who do so invariably use banking facilities with the help of their parents or guardians.

[37]. “Barriers to Using Automatic Teller Machines”, Tim Noonan, available at http://www.hreoc.gov.au/disability_rights/inquiries/ecom/atmpaper.htm, last viewed on July 26, 2012.

[38]. “Customising mobile banking in India: issues and challenges”, Address delivered by Shri Harun R. Khan, Deputy Governor, Reserve Bank of India, at the FICCI-IBA (FIBAC) 2012 Conference on-“Sustainable excellence through customer engagement, employee engagement and right use of technology” on September 5, 2012 at Mumbai, available at http://www.rbi.org.in/scripts/BS_SpeechesView.aspx?id=726.

[39]. Id.

[40]. Available at http://www.rbi.org.in/Scripts/bs_viewcontent.aspx?Id=1660.

[41]. Leonard R. Kasday, "A Tool to Evaluate Universal Web Accessibility" Posters, Proceedings of the 2000 International Conference on Intelligent User Interfaces 2000, pp. 161-162.

[42]. See generally: “WCAG 2 at a Glance”, available at http://www.w3.org/WAI/WCAG20/glance/

[43]. See generally: “Website Accessibility”, available at http://www.tiresias.org/research/guidelines/web.htm

[44]. For more details, see generally: “Website Accessibility”, available at http://www.tiresias.org/research/guidelines/web.htm

[45]. The Compliance Matrix can be accessed at http://web.guidelines.gov.in/compliance.php.

[46]. “Deaf and Hearing Impaired”, Woei-Jyh Lee, Handbook of Universal Usability in Practice, available at http://otal.umd.edu/UUPractice/hearing/, last viewed on 23 July, 2012.

[47]. “ATM Usage very low in India, says RBI”, available at http://www.firstpost.com/economy/atm-usage-very-low-in-india-says-rbi-404198.html.

[48]. Available at http://rbi.org.in/scripts/NotificationUser.aspx?Id=7286&Mode=0.

[49]. Harsh Vardhan, “White Label ATMs”, available at http://ajayshahblog.blogspot.in/2012/08/white-label-atms.html.

[50]. “Department of Justice finalises New ATM Accessibility Standards”, available at http://www.diebold.com/solutions/atms/opteva/html/Diebold_AccessibilityStandards.pdf, last viewed on July 12.

[51]. “Department of Justice Finalises New ATM Accessibility Standards”, available at http://www.diebold.com/solutions/atms/opteva/html/Diebold_AccessibilityStandards.pdf, last viewed on July 12.

[52]. “Making Bank Notes Accessible for Canadians Living with Blindness or Low Vision”, Carolyn Samuel, available at http://www.bankofcanada.ca/wp-content/uploads/2011/08/samuel.pdf.

[53]. Id.

[54]. Carolyn Samuel, “Making Bank Notes Accessible for Canadians Living With Blindness or Low Vision”, available at http://www.bankofcanada.ca/wp-content/uploads/2011/08/samuel.pdf.

[55]. (DBOD.No.Leg.BC.123 /09.07.005/2008-09).

[56]. Refer to Section 4.3 of the Report.

[57]. Dinesh Kaushal, “The Case for Accessible Banking”, available at http://cis-india.org/accessibility/accessible-banking.

[58]. NR Indran, “UBI to deploy Mumbai’s first Talking ATM for the visually challenged”, available at http://apnnews.com/2012/07/09/ubi-to-deploy-mumbai%E2%80%99s-first%E2%80%98talking-atm%E2%80%99-for-the-visually-challenged-powered-by-ncr/

[59]. Id.

[60]. “NCR Corp to set up 50 Talking ATMs in passport offices”, available at http://lflegal.com/2012/09/ncr-india/.

[61]. “NCR Corp to set up 50 Talking ATMs in passport offices”, available at http://lflegal.com/2012/09/ncr-india/.

[62]. Dinesh Kaushal, “The Case for Accessible Banking”, available at http://cis-india.org/accessibility/accessible-banking.

[63]. Id.

[64]. “Department of Justice Finalises New ATM Accessibility Standards”, available at http://www.diebold.com/solutions/atms/opteva/html/Diebold_AccessibilityStandards.pdf, last viewed on July 12.

[65]. See more details at http://www.unionbankofindia.co.in/personal_TalkingATMs.aspx

[66]. These guidelines are available at http://www.nzba.org.nz/banking-standards/code-of-banking-practice/voluntary-guidelines-to-assist-banks-to-meet-the-needs-of-older-and-disabled-customers/

[67]. Id.

[68]. Id.

[69]. Id.

[70]. Section 4 of the DDA defines disability in relation to a person as:
a. total or partial loss of the person's bodily or mental functions; or
b. total or partial loss of a part of the body; or
c. the presence in the body of organisms causing disease or illness; or
d. the presence in the body of organisms capable of causing disease or illness; or
e. the malfunction, malformation or disfigurement of a part of the person's body; or
f. a disorder or malfunction that results in the person learning differently from a person without the disorder or malfunction; or
g. a disorder, illness or disease that affects a person's thought processes, perception of reality, emotions or judgment or that results in disturbed behaviour; and includes a disability that:
a. presently exists; or
b. previously existed but no longer exists; or
c. may exist in the future; or is imputed to a person.

[71]. Section 4 of the DDA defines a service as relating to, amongst other things, banking, insurance, superannuation and the provision of grants, loans, credit or finance, and including financial and information services provided, for example, through websites, telephones, ATMs and EFTPOS.

[72]. For a full list, please refer to: http://www.bankers.asn.au/Industry-Standards/ABAs-Accessibility-of-Electronic-Banking-/Industry-Standards---Accessibility, last accessed on 12^th August, 2012.

[73]. Refer to http://www.bankers.asn.au/Industry-Standards/ABAs-Accessibility-of-Electronic-Banking-/ATM-Standard

[74]. Refer to http://www.bankers.asn.au/Industry-Standards/ABAs-Accessibility-of-Electronic-Banking-/EFTPOS-Standard

[75]. Refer to http://www.bankers.asn.au/Industry-Standards/ABAs-Accessibility-of-Electronic-Banking-/Automated-Telephone-Banking-Standard

[76]. ABA Industry Standard on Electronic Banking, available at http://www.bankers.asn.au/Industry-Standards/ABAs-Accessibility-of-Electronic-Banking-/Internet-Banking-Standard

[77]. Refer to http://www.bankers.asn.au/Industry-Standards/ABAs-Accessibility-of-Electronic-Banking-/Australian-Banking-Industry-E-Commerce-Industry-Action-Plan

[78]. “Background to the Guiding Principles”, Section 1.1 of the ABA Guiding Principles for Accessible Authentication, available at http://www.bankers.asn.au/ArticleDocuments/177/ABA-Guiding_Principles_for_Accessible_Authentication.doc.aspx

[79]. Id.

[80]. “Department of Justice Finalises New ATM Accessibility Standards”, available at http://www.diebold.com/solutions/atms/opteva/html/Diebold_AccessibilityStandards.pdf, last viewed on July 12

[81]. See generally: “Department of Justice finalizes new ATM accessibility standards”, available at www.diebold.com/solutions/atms/opteva/html/Diebold_AccessibilityStandards.pdf

[82]. A summary is available at “Standard B651.1-09”, sourced from http://hub.eaccessplus.eu/wiki/Canadian_standard_for_accessible_design_for_automated_banking_machines, and a full text can be purchased from the Canadian Standards Association website.

[83]. “The extent to which technical requirements are applied is the responsibility of others, such as the authority having jurisdiction.”

[84]. “Barrier Free Banking”, available at http://www.abilities.ca/agc/article/article.php?pid=&cid=&subid=&aid=429

[85]. Id.

[86]. “Dutch Guidelines for User Friendly payment terminals”, available at http://hub.eaccessplus.eu/wiki/Dutch_Guidelines_for_user-friendly_payment_terminals

[87]. “Dutch Guidelines for Payment Systems”, available at http://hub.eaccessplus.eu/uploads/a/a1/Dutch_Guidelines_on_payment_systems.pdf

[88]. Id.

[89]. Building User Friendly Voice Systems, Tim Noonan, available at http://www.timnoonan.com.au/ivrpap98.htm

[90]. See generally, “What are the possibilities”, the webpage for the Xavier’s Resource Centre for the Visually Challenged, available at http://www.xrcvc.org/fs_alternatives.php

[91]. In countries like Japan, even sighted people use what are known as signature stamps, Hanko and Inkan, instead of actual signatures, for signing of official documents. This is a practice that can also be incorporated by banks.

[92]. See generally, “What are the possibilities”, the webpage for the Xavier’s Resource Centre for the Visually Challenged, available at http://www.xrcvc.org/fs_alternatives.php.

[93]. In conversation with Ms. Anubhuti Mittal, who works for HR Solutions for the Differently Abled, and runs a consultancy which works with people with disabilities, providing recruitment services to the disabled, doing access audits, job mapping, sensitization and training of employees at organisations.

[94]. Pursuant to Section 33 of the PWD Act, which states: Every appropriate government shall appoint in every establishment such percentage of vacancies not less than three per cent for persons or class of persons with disability of which one per cent? each shall be reserved for persons suffering from:

Blindness or low vision;
Bearing impairment;
Loco motor disability or cerebral palsy, in the posts identified for each disability:

Provided that the appropriate Government may, having regard to the type of work carried on in any department or establishment, by notification subject to such conditions, if any, as may be specified in such notification, exempt any establishment from the provisions of this section.

[95]. For example, the Australian and New Zealand Standards (AS/NZS 4263).

[96]. A good reference point would be “A Look at Internet Banking Accessibility in Australia”, Sofia Celic, Steven Faulkner, and Andrew Arch, available at http://ausweb.scu.edu.au/aw04/papers/refereed/celic/paper.html, where the authors have studied the websites of different Australian banks to see how far they are complying with the WCAG1.0 guidelines and have rated them on different criteria. Unfortunately, the team found that “the overall status of the accessibility of Australian banking web sites, using the accessibility of their home pages as an indicator, is less than desirable. None of the banks assessed has met the ABA recommended timetable of addressing all applicable WCAG 1.0 Priority 1 and Priority 2 checkpoints within 18 months of the Standard being released (April 2002).”

Contributors:

Nirmita Narasimhan, Policy Director
Vrinda Maheshwari, Consultant

Click to download the entire report (PDF) 802 Kb

For more details visit https://cis-india.org/accessibility/blog/banking-and-accessibility-in-india-report

Odisha (Govt.) Notifications

praskrishna — 2013-08-09T08:47:13Z

List of government notifications published by the state government is below:

Notification regarding Deputy Commissioner for Persons with Disabilities to assist the State Commissioner for Persons with Disabilities in discharging of his/her functions.
Notification on 'Banishree' - A scheme of scholarship for students with special needs.
Notification to reconstitute and rename the District Rehabilitation Centre, Bhubaneswar as State Institute of Disability Rehabilitation, Bhubaneswar and to function as nodal agency for disability rehabilitation in the state.
Notification on members of the State Co-ordination Committee constituted in Women & Child Development Department.
Guidelines for establishment, recognition and grant-in-aid to institutions imparting education to children with disabilities.
Notification on amendment of the Persons with Disabilities (Equal Opportunities, Protection of Rights and Full Participation), Odisha Rules, 2003.
Extension of revised scale of pay under Revised Scale of Pay Rules, 2008 to the staff of special schools for the blind, deaf and mentally retarded run by voluntary organizations in the state recognized under Women & Child Development Department.
Notification regarding the Director for welfare of Persons with Disabilities is declared as Head of Women & Child Department.

Click to download the zip files:

For more details visit https://cis-india.org/accessibility/resources/odisha-govt-notifications

July 2013 Bulletin

praskrishna — 2013-08-21T09:30:32Z

Our newsletter for the month of July 2013 can be accessed below.

The Centre for Internet & Society (CIS) welcomes you to the seventh issue of its newsletter for the year 2013. In this issue we bring you a report on the Institute on Internet and Society held in the month of June, comments submitted by us to the Office of the Controller General of Patents Designs and Trademarks on the draft guidelines on computer related inventions, report from the fifth privacy roundtable meeting held in Kolkata, updates from Kannada Wikipedia workshops held in Hubli and Sagara, a report on Digital Humanities for higher education, media coverage, and information on our forthcoming events.

Archives of our newsletters are here. Our policies on Ethical Research Guidelines, Non-Discrimination and Equal Opportunities, Privacy, Terms of Website Use and Travel can be accessed here.

Jobs
CIS is inviting applications for the posts of Developer (NVDA Screen Reader Project). To apply for this post, send in your resume to Nirmita Narasimhan (nirmita@cis-india.org). CIS is also seeking applications for the post of Policy Associate (Internet Governance). To apply send your resume to Sunil Abraham (sunil@cis-india.org) and Pranesh Prakash (pranesh@cis-india.org).

Accessibility

CIS is doing two projects in partnership with the Hans Foundation. One is to create a national resource kit of state-wise laws, policies and programmes on issues relating to persons with disabilities in India and another for developing a screen reader and text-to- speech synthesizer for Indian languages:

National Resource Kit for Persons with Disabilities
CIS and the Centre for Law and Policy Research (CLPR) are working in this project. Draft chapters have been published. Feedback and comments are invited from readers for the chapters on Punjab, Uttarakhand, Maharashtra and Chandigarh:

The Punjab Chapter (by Anandhi Viswanathan, July 31, 2013).
The Uttarakhand Chapter (by Anandhi Viswanathan, July 31, 2013).
The Chandigarh Chapter (by CLPR, July 31, 2013).
The Maharashtra Chapter (by Anandhi Viswanathan, July 31, 2013).

Note: All the chapters published on the website are early drafts and will be reviewed and updated.

Access to Knowledge and Openness

The Wikimedia Foundation has given a grant to CIS to support and develop the growth of Indic language communities and projects by community collaborations and partnerships. This is being carried out by the Access to Knowledge team based in Delhi. CIS is also doing a project (Pervasive Technologies) on examining the relationship between production of pervasive technologies and intellectual property. CIS also promotes openness including open government data, open standards, open access, and free/libre/open source software through its Openness programme.

Access to Knowledge (Previously IP Reforms)

Comments

Comments on the Draft Guidelines for Computer Related Inventions (by Puneeth Nagaraj, July 31, 2013). The comments were submitted to the office of the Controller General of Patents Designs & Trademarks, Mumbai on July 26, 2013.

Event Participated

An International Conference on Interface between Intellectual Property and Competition Law (organized by ASSOCHAM, July 12, 2013). Nehaa Chaudhari participated in the conference and shares select notes in a blog post.

Access to Knowledge (Wikipedia)
The A2K team consists of three members based in Bangalore: T. Vishnu Vardhan, Dr. U.B. Pavanaja and Subhashish Panigrahi and one team member Nitika Tandon who is working from Delhi office.

Event Organised

A Kannada Wikipedia Workshop (organized by CIS-A2K team, July 21, 2013, Hubli). Dr. U.B. Pavanaja gave training to the participants on Wikipedia. Leading newspapers like the Times of India, Vijaya Karnataka, Deccan Herald, VijayaVani, Prajavani, Samyukta Karnataka and HosaDiganta covered the event. Scanned versions of the published articles can be viewed here.
A Kannada Wikipedia Workshop at Sagara (organized by CIS-A2K team, Sagara, July 28, 2013). Dr. U.B. Pavanaja gave a talk on Wikipedia and Kannada Wikipedia.

Event Co-organised

Telugu Wiki Academy at Centre for Good Governance (organized by CIS-A2K and Telegu Wikipedia Community, Centre for Good Governance, Jubilee Hills, Hyderabad, April 9, 2013). T. Vishnu Vardhan participated in this event.

Note: The event was organized in April but report got published only in July.

Event Participated

Free Software (organized by Free Software Movement of Karnataka in partnership with Jnana Vikas Institute of Technology, Bidadi, July 24, 2013). Dr. U.B. Pavanaja made a presentation on Wikipedia.

Ongoing Event

A Workshop on Posting Articles in Kannada on Wikipedia (organised by the Centre for Proficiency Development Placement Service, University of Mysore, CPDPS premises, Manasagangotri, August 6, 2013). Dr. U.B. Pavanaja is conducting a workshop. The announcement was made in an article by R. Krishna Kumar in the Hindu on August 2, 2013.

Press Coverage

Konkani Wikipedia next? (by Diana Fernandes, OHeralO, July 27, 2013). T. Vishnu Vardhan is quoted.

Openness

Events Organised

Delhi: Digital Activism in Europe (The Sarai Programme, Centre for the Study of Developing Societies, New Delhi, July 8, 2013). Bernadette Längle gave a talk about the hacker scene and digital activism in Europe, with a focus on the Chaos Computer Club.
Open Hardware Lab: Play & Invent + Bonus Film Screening (CIS, Bangalore, August 4, 2013). There was a film screening of Theremin: An Electronic Odyssey at the event.

Internet Governance

CIS began two projects earlier this year. The first one on facilitating research and events on surveillance and freedom of expression is with Privacy International and support from the International Development Research Centre, Canada. The second one on mapping cyber security actors in South Asia and South East Asia is with the Citizen Lab, Munk School of Global Affairs, University of Toronto and support from the International Development Research Centre, Canada:

SAFEGUARDS Project
Events Organised

Delhi: Learn to Secure Your Online Communication! (IIC, DU Campus, Delhi, July 6, 2013). A cryptoparty was held in Delhi.
Dharamsala: Learn to Secure Your Online Communication! (Dharamsala, July 13, 2013). A cryptoparty was held in Dharamsala. This was also covered in an article published in the Caravan on August 1, 2013.
Privacy Roundtable Meeting (co-organized by CIS, DSCI, and FICCI, Kolkata, July 13, 2013). An event report was written by Maria Xynou.
The Hackers Way of Reshaping Policies (CIS, Bangalore, August 2, 2012). Bernadette Langle gave a talk on privacy.

Events Participated In

Biometrics or bust? India's Identity Crisis (organised by the Oxford Internet Institute, Oxford University Press, July 2, 2013). Malavika Jayaram participated as a speaker on UID and Privacy.
DSCI Best Practices Meet 2013 (organized by DSCI, Anna Salai, Chennai, July 12, 2013). Kovey Coles attended the meeting.
Achieve Cyber Security Together (organized by the Confederation of Indian Industries, Chennai, July 13, 2013). Kovey Coles attended this event.

Ongoing / Upcoming Events

The Phishing Society: Why 'Facebook' is more dangerous than the Government Spying on You - A Talk by Maria Xynou (CIS, Bangalore, August 7, 2013). Maria Xynou will give a talk on phishing society.
Learn to Protect your Online Activities! (ACJ - Asian College of Journalism, Second Main Road (Behind M.S. Swaminathan Research Foundation), Taramani, Chennai, August 7, 2013).
Privacy Meeting: Brussels – Bangalore (CIS, Bangalore, August 14, 2013). Gertjan Boulet and Dariusz Kloza will give a talk on privacy.
Privacy Round Table, New Delhi (co-organised with FICCI and DSCI, FICCI, Federation House, Tansen Marg, New Delhi, August 24, 2013).

Columns

How Surveillance Works in India (by Pranesh Prakash, New York Times, July 10, 2013).
Can India Trust Its Government on Privacy? (by Pranesh Prakash, New York Times, July 11, 2013).
Parsing the Cyber Security Policy (by Chinmayi Arun, The Hoot, and cross-posted in Free Speech Initiative, July 13, 2013).

Blog Entries

The Difficult Balance of Transparent Surveillance (by Kovey Coles, July 10, 2013).
Moving Towards a Surveillance State (by Srinivas Atreya, July 15, 2013).
More than a Hundred Global Groups Make a Principled Stand against Surveillance (by Elonnai Hickok, July 31, 2013).
The Audacious ‘Right to Be Forgotten’ (by Kovey Coles, July 31, 2013).

Interview

An Interview with Reijo Aarnio: Maria Xynou conducted an interview with Reijo, the Finnish Data Protection Ombudsman.

Media Coverage

Google brings tabs to sneak advertisements into your inbox (by Indu Nandakumar, Economic Times, July 30, 2013). Sunil Abraham is quoted.
How the world’s largest democracy is preparing to snoop on its citizens (by Leslie D' Monte and Joji Thomas Philip, July 3, 2013). Sunil Abraham is quoted.
Geeks have a solution to digital surveillance in India: Cryptography (by Joanna Lobo, DNA, July 7, 2013). Pranesh Prakash is quoted.
India's centralised snooping system facing big delays (by Phil Muncaster, The Register, July 9, 2013). CIS is mentioned in this article.
India’s Central Monitoring System: Security can’t come at cost of privacy (by Danish Raza, FirstPost, July 10, 2013). Sunil Abraham is quoted.
Is CMS a Compromise of Your Security? (by Rohin Dharmakumar, Forbes India magazine, July 12, 2013). Sunil Abraham is quoted.
Snooping technology: Will CMS work in India? (by Pierre Fitter, FirstPost, July 17, 2013). Pranesh Prakash is quoted.
सावधान आपके प्रोफ़ाइल पर है पुलिस की नज़र! (by Parul Aggarwal, BBC, July 18, 2013). Pranesh Prakash is quoted.
Your life's an open Facebook (by Shikha Kumar, DNA, July 21, 2013). Sunil Abraham is quoted.
Concerns over central snoop (by Aloke Tikku, Hindustan Times, June 28, 2013). Sunil Abraham is quoted.
Your telco could help spy on you (by Joji Thomas Philip, Leslie D'Monte and Shauvik Ghosh, LiveMint, July 30, 2013). Sunil Abraham is quoted.

DNA Profiling Bill
A sub-committee has been constituted as per the recommendations of the Expert Committee of DNA Profiling Bill. The sub-committee will have a meeting in Hyderabad on August 6, 2013. Sunil Abraham is one of the members of the sub-committee.

Cyber Stewards Project
Laird Brown, a strategic planner and writer with core competencies on brand analysis, public relations and resource management and Purba Sarkar who in the past worked as a strategic advisor in the field of SAP Retail are working in this project.

Video Interviews

Part 3: Interview with Eva Galperin (July 10, 2013).
Part 4: Interview with Marietje Schaake (July 11, 2013).
Part 5: Interview with Amelia Andersdotter (July 12, 2013).
Part 6: Interview with Lhadon Tethong (July 15, 2013).
Part 7: Interview with Jochem de Groot (July 18, 2013).
Part 8: Interview with Jeff Moss (July, 23, 2013).

Cyber Security
Blog Entries

India's National Cyber Security Policy in Review (by Jonathan Diamond, July 31, 2013).
Guidelines for the Protection of National Critical Information Infrastructure: How Much Regulation? (by Jonathan Diamond, July 31, 2013).

Free Speech, Expression and Censorship
Column

You Have the Right to Remain Silent (by Nishant Shah, July 22, 2013).

Event Participated In

Connaught Summer Institute on Monitoring Internet Openness and Rights (organized by the Munk School of Global Affairs, Bloor Street West, July 23, 2013). Malavika Jayaram participated in this event and spoke on "India's Civil Liberties Crisis: Digital Free Will in Free Fall".

Knowledge Repository on Internet Access

CIS in partnership with the Ford Foundation is executing a project to create a knowledge repository on Internet and society. This repository will comprise content targeted primarily at civil society with a view to enabling their informed participation in the Indian Internet and ICT policy space. The repository is available at www.internet-institute.in.

Event Organised

Institute on Internet and Society: Event Report (supported by Ford Foundation, Golden Palms Resort, Bangalore, June 8 – 14, 2013). Pranesh Prakash, Bernadette Längle, Vir Kamal Chopra, AK Bhargava, Ananth Guruswamy, Archana Gulati, Chakshu Roy, Elonnai Hickok, Gaurab Raj Upadhaya, Helani Galpaya, Michael Ginguld, Dr. Nadeem Akhtar, C. Nandini, Dr. Nirmita Narasimhan, Dr. Nishant Shah, Parminder Jeet Singh, Ravikiran Annaswamy, Dr. Ravina Aggarwal, Satyen Gupta, Dr. Subbiah Arunachalam, Sunil Abraham, Tulika Pandey and T. Vishnu Vardhan were speakers at the event. The presentations and videos can now be accessed in this report.

Telecom

CIS is involved in promoting access and accessibility to telecommunications services and resources and has provided inputs to ongoing policy discussions and consultation papers published by TRAI. It has prepared reports on unlicensed spectrum and accessibility of mobile phones for persons with disabilities and also works with the USOF to include funding projects for persons with disabilities in its mandate:

Newspaper Column

Building Up vs Tearing Down (by Shyam Ponappa, July 3, 2013, originally published in the Business Standard, and also mirrored in Organizing India Blogspot).

Digital Humanities

We are building research clusters in the field of Digital Humanities. The Digital will be used as a way of unpacking the debates in humanities and social sciences and look at the new frameworks, concepts and ideas that emerge in our engagement with the digital. The clusters aim to produce and document new conversations and debates that shape the contours of Digital Humanities in Asia.

Event Co-organised

Digital Humanities for Indian Higher Education (co-organised by HEIRA, CSCS, Tumkur University, Tata Institute of Social Sciences, Mumbai and CIS, Indian Institute of Science, Bangalore, July 13, 2013).

Event Organised

Digital Humanities Talk (CIS, Bangalore, July 31, 2013). Sara Morais gave a talk on the advantages and problems in doing digital humanities work.

Event Participated In

Political Economy, Activism and Alternative Economic Strategies (organized by the International Institute of Social Studies, Erasmus University of Rotterdam, The Hague, July 9 – 13, 2013). Nishant Shah presented his paper on paper on Citizen Action in the Time of Network.

Blog Entries

Designing Change? Gatekeepers in Digital Humanities (by Sara Morais, July 2, 2013).
Towards Critical Tool-building (by Sara Morais, July 12, 2013).

About CIS

The Centre for Internet and Society is a non-profit research organization that works on policy issues relating to freedom of expression, privacy, accessibility for persons with disabilities, access to knowledge and IPR reform, and openness (including open government, FOSS, open standards, etc.), and engages in academic research on digital natives and digital humanities.

Get short, timely messages from us on Twitter
Join the CIS group on Facebook
Visit us at http://cis-india.org

Support Us
Please help us defend consumer / citizen rights on the Internet! Write a cheque in favour of ‘The Centre for Internet and Society’ and mail it to us at No. 194, 2nd ‘C’ Cross, Domlur, 2nd Stage, Bengaluru – 5600 71.

Request for Collaboration
We invite researchers, practitioners, and theoreticians, both organisationally and as individuals, to collaboratively engage with Internet and society and improve our understanding of this new field. To discuss the research collaborations, write to Sunil Abraham, Executive Director, at sunil@cis-india.org or Nishant Shah, Director – Research, at nishant@cis-india.org

CIS is grateful to its donors, Wikimedia Foundation, Ford Foundation, Privacy International, UK, Hans Foundation and the Kusuma Trust which was founded by Anurag Dikshit and Soma Pujari, philanthropists of Indian origin, for its core funding and support for most of its projects.

For more details visit https://cis-india.org/about/newsletters/july-2013-bulletin

National Resource Kit: The Chandigarh Chapter (Call for Comments)

CLPR — 2013-11-07T06:13:17Z

The National Resource Kit team is pleased to bring you its research on the state of laws, policies and programmes for persons with disabilities in the state of Chandigarh.

Chandigarh, the brainchild of the French architect Le Corbusier, is a Union Territory that serves as the capital of two states- Punjab and Haryana. According to the 2001 Census, Chandigarh has a disabled population of 15,538 persons.[1]. The disability-wise break up is given below:[2]

Persons suffering from visual disability	8,422
Persons suffering from speech disability	882
Persons suffering from auditory disability	607
Persons suffering from locomotor disability	3,828
Persons suffering from mental disability	1,799
Total disabled population	15, 538

[as per 2001 Census]

Quick Statistics:

Area- 114 square kilometres
Population- 10.55 Lakhs (as per 2011 Census)[3]
Literacy Rate- 86.77 (As per 2011 Census)[4]

The Department of Social Welfare, Chandigarh set up in the year 1978, is responsible for implementing the laws, schemes and policies for the welfare of disabled persons.

The details of the Department are provided below:-
Concerned Officer: The Director, Social Welfare Department
Union Territory of Chandigarh, Sector 17, Chandigarh
The website can be accessed at http://chandigarh.nic.in/dept_social.htm

Legal Provisions

Chandigarh has not enacted any specific rules for persons with disabilities but implements the central laws: Persons with Disabilities (Equal Opportunities, Protection of Rights and Full Participation) Act 1995 (Persons with Disabilities Act 1995) and the National Trust for Welfare of Persons with Autism, Cerebral Palsy, Mental Retardation and Multiple Disabilities Act 1999 (National Trust Act 1999). Chandigarh also implements the Assistance to Disabled Persons (ADIP) Scheme of the Central government.[5]

Accessibility

Schemes on accessibility for persons with disability are mainly relating to conveyance allowances, petrol subsidies and travel concessions. They are the following:

Petrol Subsidy: Persons with disability who are owners of motorized vehicles and have an aggregate income of less than Rs. 2,500/- per month can get a 50% subsidy on expenditure incurred on the price of petrol or diesel.[6] However, those persons who are already the beneficiaries of the conveyance allowance[7] shall be excluded from the grant of the petrol subsidy.[8]
Conveyance Allowance: A scheme of the Government of Punjab which is applicable in Chandigarh provides a conveyance allowance of Rs. 600/- per month to persons with disabilities[9] Earlier, the amount was Rs. 450/- per month, which was increased to Rs. 600 with effect from 21st of December, 2011.
Bus Concessions: There is a provision for persons with blindness[10] and locomotor disability[11] to travel free of cost in Chandigarh Transport Undertaking (CTU) buses within the U.T. area.

Education

Scholarships to persons with disabilities: The Social Welfare Department provides scholarships to students with disabilities. From Class-I to VIII, the scholarship is provided by the Education Department and from Class 9th onwards, by the Social Welfare Department in the range of Rs.50/- to Rs.500/- depending upon the class of study.[12] Blind students are also granted a separate Readers’ Allowance.[13]

Employment

Special Employment Exchange for Physically Handicapped Applicants: The Ministry of Social Justice & Empowerment, Government of India has set up a Special Employment Exchange for physically handicapped applicants in the Regional Employment exchange under the Centrally Sponsored Scheme.[14] Persons with disabilities are motivated to submit their applications against reserved and unreserved vacancies. The authorities are urged to examine the roster registers maintained by the employers to see whether 3% reservation n jobs is being given to physically handicapped applicants.[15]
Reservations in Government Jobs: Seats are reserved in direct recruitment for persons with disabilities in Grade ‘C’ and ‘D’ posts under the Government.[16] 1% of posts are reserved for each of the categories of visually handicapped, orthopedically handicapped and auditory handicapped.[17]
Unemployment allowance: The Social Welfare Department provides an Unemployment Allowance to persons with disability who are unemployed at the following rates:

Sl no.	Qualifications	For persons with visually Handicapped and Deaf & Dumb Persons	Others categories of Handicapped persons
1	For Matriculate and under Graduate applicants.	Rs.300/- per month	Rs.150/- per month
2	For Graduate/Post Graduate applicants	Rs.400/- per month	Rs.200/- per month

Source: Sightsavers

Health and Rehabilitation

Other than reservation in housing, the Chandigarh government does not have any other schemes for health or rehabilitation of persons with disabilities.

Social Protection

Pension: Persons with visual, auditory and orthopaedic disabilities can avail of a “disability pension” of Rs. 200/- per month, provided that the applicant has been a resident of Chandigarh for the last three years and the income limit for getting Handicapped Pension is Rs.1000 of the person concerned, If married, total income of both husband and wife should not exceed Rs.1500/- p.m. and if not earning, then income of his/her parents, in case of one child should not exceed Rs.500/- p.m. and if two or more children, then Rs.3000/- p.m.

Miscellaneous

Reservation in housing: The Chandigarh Housing Board has reserved 1% extra houses for blind and physically disabled ex-Servicemen.[18]
Assistance to persons with disabilities for purchase of aids/appliances: Financial assistance is provided to physically handicapped persons for purchase of aids/ appliances to increase their mobility[19] The quantum of assistance is decided ad valorem the income of the applicant. Monthly income of the applicant from all sources should not exceed Rs.8,000/-.[20] The applicant is entitled for the 100% cost on purchase of artificial limbs/ aids/ appliances subject to maximum of Rs.20,000/-.[21]

[1].Ministry of Social Justice and Empowerment, Table 1: State-wise data of disabled population, as per Census 2001, available at http://socialjustice.nic.in/statewisedisabled.php (Last visited on June 17, 2013).

[2].Ministry of Social Justice and Empowerment, Disability-wise number of persons with disabilities in the country as per the Census-2001, available at http://socialjustice.nic.in/disablewise.php (Last visited on June 17, 2013).

[3].Population Census 2011, Chandigarh Population Census data 2011, available at http://www.census2011.co.in/census/state/chandigarh.html (Last visited on June 17, 2013).

[4].Population Census 2011, Chandigarh Population Census data 2011, available at http://www.census2011.co.in/census/state/chandigarh.html (Last visited on June 17, 2013).

[5].Ministry of Social Justice and Empowerment, Chandigarh- Assistance to Disabled Persons Scheme, available at http://socialjustice.nic.in/adipch.php (Last visited on June 17, 2013).

[6].Department of Social Welfare, Chandigarh, Welfare of Handicapped, available at http://chandigarh.nic.in/dept_social.htm (Last visited on June 17, 2013).

[7].Currently, physically handicapped persons get a transport (conveyance) allowance of Rs. 600 per month.

[8].Department of Social Welfare, Chandigarh, Welfare of Handicapped, available at http://chandigarh.nic.in/dept_social.htm (Last visited on June 17, 2013).

[9]. Chandigarh Administration, Grant of Transport (Conveyance) Allowance to Physically Handicapped Persons, available at http://admser.chd.nic.in/portal/nicut2/notification-nicut/Grant%20of%20Transport%20(Conveyance)%20Allowance%20to%20Physically%20Handicapped%20Persons.%20.pdf (Last visited on June 17, 2013).

[10]. Department of Transport, Chandigarh, Social Services, available at http://chandigarh.gov.in/dept_tpt.htm (Last visited on June 17, 2013).

[11]. Chandigarh Transport Undertaking, Citizen’s Charter, available at http://chandigarh.gov.in/citizen_char_ctu.htm (Last visited on June 17, 2013).

[12]. Department of Social Welfare, Chandigarh, Scholarship to disabled persons, available at http://chandigarh.nic.in/dept_social.htm (Last visited on June 17, 2013).

[13]. Sightsavers, Policies and Schemes of Central and State Governments for People with Disabilities, available at http://www.sightsaversindia.in/in_depth/policy_and_research/17581_Policies%20and%20Schemes%20of%20Central%20and%20State%20Governments%20for%20People%20with%20Disabilities.pdf (Last visited on June 17, 2013).

[14]. Chandigarh Administration, Employment, available at http://chandigarh.gov.in/dept_emp.htm (Last visited on June 17, 2013).

[15]. Id.

[16]. Disability India Network, Chandigarh, available at http://www.disabilityindia.co.in/useful-information/state.php#Chandigarh (Last visited on June 17, 2013).

[17]. Sightsavers, Policies and Schemes of Central and State Governments for People with Disabilities, available at http://www.sightsaversindia.in/in_depth/policy_and_research/17581_Policies%20and%20Schemes%20of%20Central%20and%20State%20Governments%20for%20People%20with%20Disabilities.pdf (Last visited on June 17, 2013).

[18]. Directorate General Resettlement, Department of Ex-Servicemen(Ministry of Defence), CONCESSIONS AND BENEFITS EXTENDED BY STATE GOVTS/UTS TO RETIRED AND SERVING DEFENCE PERSONNEL, available at http://www.dgrindia.com/directorate/kbs13_30.html (Last visited on June 17, 2013).

[19]. Id.

[20]. Id.

[21]. Id.

For more details visit https://cis-india.org/accessibility/blog/national-resource-kit-chandigarh-chapter-call-for-comments

National Resource Kit: The Maharashtra Chapter (Call for Comments)

anandi — 2013-11-07T06:14:58Z

The National Resource Kit team is pleased to bring you its research on the state of laws, policies and programmes for persons with disabilities in the state of Maharashtra.

Executive Summary

The state of Maharashtra is in the process of finalising the Maharashtra State Policy for the Empowerment of Persons with Disabilities. The draft is currently under discussion by the government and civil society organisations. The government of Maharashtra has issued notifications on providing assistive technologies to disabled employees in government and semi-government services.

State Profile

Capital: Mumbai
Population: 112,372,972
Population of Persons with Disabilities: 15,69,582 (2001 Census)
Literacy: 82.9%
HDI: 0.689 Rank: 12th (2005)[1]
Department: Department of Social Justice and Empowerment

Legal Provisions
The state of Maharashtra is in the process of putting together a state policy for persons with disabilities to implement the provisions in the three central laws. The draft of this document is presently being deliberated by the government and civil bodies for persons with disabilities.

The government has passed a few notifications for persons with disabilities. These are listed below:

Accessibility
The government of Maharashtra has published a list of supportive devices and assistive technologies that are required by blind and visually impaired employees in government and semi-government services to fulfil their duties. The order provides that the existing disabled employees as well as those who are to be appointed will have to be provided with these devices according to their needs.[2]

The government of Maharashtra has issued a notification to the effect that all employees with disabilities who are appointed to government and semi-government services will be provided with devices with assistive technology that enable them to carry out their designated tasks. The order provides that each disabled employee is eligible to purchase two devices worth a maximum of Rs. 50,000 per head and the charges borne by the employee for the purchase of the devices are to be reimbursed by the government within 15 days of the claim. The order further states that for devices worth more than Rs. 50,000 the department is responsible for purchasing the devices for the use of the employees.[3]

Education
The University of Mumbai has issued a circular approving the use of scribe and providing extra time to students with disabilities such as blindness, low vision and physical disability, and those suffering from conditions like dyslexia, dysgraphia, dyscalculia or equivalent conditions. The circular further provides that the principals of colleges and heads of institutes will be responsible for assisting the students in locating scribes and providing permission letters.[4]

[1]. https://en.wikipedia.org/wiki/Maharashtra

[2]. Social Justice and Special Support Department Government Decision Date: Court Order- 2011/C.No-4/Amendment – 3 Dated: 3rd June 2011

[3]. Social Justice and Special Services Department Government Circular No. Court Order – 2011/C No – 4/Amend Dated: 20th August 2011

[4]. No. Exam/COE/Benefit/102 of 2012 31st March, 2012

For more details visit https://cis-india.org/accessibility/blog/national-resource-kit-maharashtra-chapter-call-for-comments

National Resource Kit: The Uttarakhand Chapter (Call for Comments)

anandi — 2013-11-07T06:15:11Z

The National Resource Kit team is pleased to bring you its research on the state of laws, policies and programmes for persons with disabilities in the state of Uttarakhand.

Executive Summary

Uttarakhand is yet to enact any specific legislation for persons with disabilities. The state currently implements certain social security schemes and provides scholarships for students with disabilities.

State Profile

Capital: Dehradun
Population: 10,116,752
Population of Persons with Disabilities: 1, 94, 769 (2001 Census)
Literacy: 79.63%
HDI: 0.515 Rank: 7th[1]
Department: Social Welfare Department
Directorate: Directorate of Social Welfare

Legal Provisions
The government of Uttarakhand has not enacted any legislation specifically for persons with disabilities. The state has implemented some social protection initiatives and schemes for education. These are listed categorically as below:

Education
Students with disabilities or students whose guardians are persons with disabilities and whose monthly income does not exceed Rs. 2000 are eligible to receive scholarships.

Scholarships are provided from class 1 to post-graduate level education as per the below mentioned rates and standards:

Category	Standard for Scholarship			Period (Maximum)
Handicapped Student	Class	Rate Per Month	Limit of Income of Parents
	1 - 5	Rs. 50/-	Maximum Rs.2000/- per month	12 months
	6 - 8	Rs. 80/-	Maximum Rs.2000/- per month	12 months
	9 - 10	Rs. 170/-	Maximum Rs.2000/- per month	12 months
Standard for Scholarship	Rate Per Month		Limit of Annual Income of Parents	Period (Maximum)
	Hosteller	Day Scholar	Maximum upto Rs.24,000/- per year	From the date of admission to the month of examination of the last year. (If the admission is taken after the 20th day of the month than the scholarship will be applicable from following month).
Inter	Rs.140/-	Rs. 85/-
Graduation	Rs.180/-	Rs. 125/-
Post Graduation and other Vocational Course	Rs.240/-	Rs.170/-

Social Protection
The government of Uttarakhand provides a maintenance grant to destitute persons with disabilities at the rate of Rs. 600 per month. Disabled persons eligible for this pension should either belong to the BPL category or persons whose monthly income does not exceed Rs. 1000. Persons with disabilities in the age group of 18 to 65 years with 80 per cent or more disability or who have multiple disabilities and are below the poverty line are eligible to receive a grant of Rs. 400 from the state government and Rs. 200 from the Government of India under the National Disability Pension Scheme. Persons with disabilities who are leprosy cured are eligible for a grant of Rs. 1000 per month. Persons with disabilities applying for the grant should at least have 40 per cent of disability as certified by the concerned Chief Medical Officer. He / she should not have any other source of income. Those applicants whose sons / grandsons are below 20 years of age and who live below the poverty line are eligible to apply for the grant.

The government has brought out a scheme that honours employees for achievements with state level awards for the best employee in case of employees with disabilities and persons with disabilities who are self employed. Other categories include best employer and placement officers. The government provides a cash award of Rs. 500 along with a letter of appreciation by the Department of Social Welfare.

The state provides marriage grants for persons with disabilities provided that the couple are citizens of India and are domiciled in Uttarakhand or have been residing in the state for five or more years and provided that neither the bride nor the groom have been convicted in any criminal case. Rs. 11,000 is given as a grant when the bridegroom is disabled and a grant of Rs. 14,000 is given in cases where either the bride or both bride and groom are disabled.

The government of Uttarakhand has introduced a shop construction rehabilitation scheme wherein those persons with disabilities who have their own land will be provided a loan of Rs. 20,000 to set up their shop. The government provides Rs. 15,000 as loan at an interest of four per cent and the remaining Rs. 5000 is given as a grant.

Persons with disabilities are eligible to travel free of cost on buses belonging to the State Road Transport Corporation.

The Department of Social Welfare provides a maximum grant of Rs. 3500 to persons with disabilities for the purchase of artificial organ and hearing aid equipment. Persons with disabilities applying for this grant should not have a monthly income of more than 1000

Under the central ADIP scheme, persons with disabilities are provided grants to acquire artificial organs, aids and appliances through the implementing agencies / institutions. These are:

Narayan Sewa Sansthan Trust, Sewadham Sewanagar, Hiran Magari, Sector-4, Udaipur – 313040 – Rajasthan
Bajaj Institute of Learning, 155, Rajpur Road, Dehradun
National Institute for the Blind, 116, Rajpur Road, Dehradun.

The state government conducts camps and seminars for persons with disabilities to sanction their pensions. These camps are conducted near their village panchayats or judicial panchayats for the convenience of persons with disabilities.

[1].https://en.wikipedia.org/wiki/Uttarakhand

For more details visit https://cis-india.org/accessibility/blog/national-resource-kit-uttarakhand-chapter-call-for-comments

National Resource Kit: The Punjab Chapter (Call for Comments)

anandi — 2013-11-07T06:14:03Z

The National Resource Kit team is pleased to bring you its research on the state of laws, policies and programmes for persons with disabilities in the state of Punjab.

Executive Summary

Punjab has not enacted any specific law or state policy for persons with disabilities in the state. The Social Security and Women and Child Development Department, which is primarily responsible for the welfare of persons with disabilities within the state, has implemented several schemes for the benefit of persons with disabilities. There are eight schemes in education, seven schemes in employment and four schemes in social protection.

State Profile

Capital: Chandigarh
Population: 27,704,236
Population of Persons with Disabilities: 4,24,523 (2001 Census)
Literacy: 76.68%
HDI: 0.679 Rank: 9^th (2005)[1]
Department: Social Security and Women and Child Development Department

Legal Provisions
The government of Punjab has not enacted any law for persons with disabilities nor has any state policy been introduced or implemented for persons with disabilities. However, the department that is primarily responsible for the welfare of persons with disabilities in Punjab has been implementing several schemes for the persons with disabilities. These schemes have been listed below as:

Education
Students with visual impairment are allowed The government provides three per cent reservation for persons with disabilities in different courses in all the universities in Punjab.

Students with visual impairment are allowed the use of a scribe while appearing for their examinations. The government provides students with visual impairment a sum of Rs. 50 per month as allowance for their helper.

The government provides a scholarship of Rs. 200 per month for students with disabilities up to class VIII and Rs. 300 per month scholarship for disabled students from class IX onwards. In addition to the above scholarship, girls with disabilities and disabled rural learners up to class X are provided an attendance scholarship of Rs. 1500 every year along with a scholarship of Rs. 1000 per year towards uniform and stationery. The government has a provision to award a scholarship of Rs. 1500 per year towards clothes and Rs. 1500 per year towards stationery for girls with disabilities studying in class XI and above.

The Punjab School Education Board has exempted students with visual impairment and students with hearing impaired from appearing for the middle standard Examinations.

Students with disabilities are exempted from appearing for practical examinations. They are graded based on their performance in the written examination.

The government of Punjab provides free books to students with visual impairment upto the age of 18 years.

Students with visual impairment are permitted to select two optional subjects in place of science and mathematics. These include additional languages, music and musical instruments.

Employment
The government of Punjab provides three per cent reservation for direct recruitment of persons with disabilities in all the state departments, boards and corporations. The government further provides three per cent reservation in the promotion of employees with disabilities in groups A, B, C and D. The three per cent reservation is split up as one per cent for visually impaired, one per cent for hearing impaired and one per cent for physically disabled.

The state government has opened an employment office for providing employment opportunities to persons with disabilities at SCO no. 118-119, Sector 22, Chandigarh.

The government of Punjab provides three per cent reservation for direct recruitment of persons with disabilities in all the state departments, boards and corporations. The government further provides three per cent reservation in the promotion of employees with disabilities in groups A, B, C and D. The three per cent reservation is split up as one per cent for visually impaired, one per cent for hearing impaired and one per cent for physically disabled.

The state government has opened an employment office for providing employment opportunities to persons with disabilities at SCO no. 118-119, Sector 22, Chandigarh.

Punjab provides persons with disabilities an age relaxation of ten years in fixed age limit during the recruitment process. The government has also extended the service period for persons with disabilities by extending their retirement age to 60 years from the regular 58 years.

Persons with disabilities who are unable to type are exempted by the government from taking the typing examination during the tests for recruitment of clerks.

Persons with disabilities who are employees of the state government are provided a conveyance allowance of Rs. 450 per month in addition to their salaries.

The National Handicapped Finance and Development Corporation, Faridabad provides loans at low interest rates for persons with disabilities to start their own business ventures. The state government has declared the Scheduled Caste and Finance Corporation the state channelizing agency.

The department runs the Government Workshop for the Physically Disabled at Ludhiana to impart training to persons with disabilities in occupations such as weaving, hosiery, caning, candle making etc. Trainees enrolled for the courses are eligible to receive a scholarship of Rs. 300 per month.

Health & Rehabilitation
The Ministry of Social Justice and Empowerment (Government of India) has established the Regional Spine Injuries Centre at Sector 70 SAS Nagar, Mohali. Spinal operations for the patients from Punjab, Haryana, Himachal Pradesh and Jammu & Kashmir are done at this centre.

Social Protection
The government provides a disability pension of Rs. 250 per month to persons with disabilities.

Persons with disabilities who are unemployed and have registered themselves with the employment exchange are provided with unemployment allowance based on their disability and educational qualification.

Category	Matric / Under graduate	Graduate / Post Graduate
Visually impaired / Hearing impaired	Rs. 450 p.m.	Rs. 600 p.m.
Physically disabled	Rs. 225 p.m.	Rs. 300 p.m.

The state government has made provisions to award employees with disabilities for outstanding achievement at the workplace. The state government also recognises outstanding employers, institutions for the disabled, social workers and other players for their contribution through cash awards.

Persons with disabilities who are visually impaired or physically disabled are eligible for free transport on state transport buses – Punjab Roadways and PRTC.

[1]. https://en.wikipedia.org/wiki/Punjab,_India

For more details visit https://cis-india.org/accessibility/blog/national-resource-kit-punjab-chapter-call-for-comments

Jammu & Kashmir (Govt) Notifications

praskrishna — 2013-07-23T15:02:03Z

List of notifications published by the government of Jammu and Kashmir can be downloaded below:

The zip folder (PDF and Word) contain the following:

Reservation for Disabled/Handicapped in Government Services
The Jammu & Kashmir Persons with Disabilities (Equal Opportunities, Protection of Rights and Full Participation) Rules, 2003
The Jammu & Kashmir Persons with Disabilities (Equal Opportunities, Protection of Rights and Full Participation) Act, 1998

PDF
Word

For more details visit https://cis-india.org/accessibility/resources/jammu-kashmir-notifications

Goa (Govt) Notifications

praskrishna — 2013-07-16T06:11:56Z

The following folder contains a series of notifications published by the Government of Goa.

Click on the links at the end to download the PDFs or Word Files (zip folders) to read the notifications containing:

Rules Regulating the Grant of Award to a Married Couple in which Either of the Partners or Both are Disabled Persons.
The Scheme for Scholarship for Differently-abled Persons
Incentive Scheme for Employment of Differently-abled Persons
Scheme to Provide Subsidy to Kadamba Transport Corporation in Lieu of Travel Concession Provided to Senior Citizens and Persons with Disabilities.
Goa Persons with Disabilities (Equal Opportunities, Protection of Rights and Full Participation) Rules, 1997.
Scheme to Provide "Residential School" to the Visually Disabled Children.
Voluntary Retirement Scheme for Government Employees who are Parents of Persons with Disabilities.
Rules Regulating the Grant of Financial Assistance to the Physically Handicapped Persons for the Purpose of Undertaking Gainful Self Employment in the State of Goa.
Rules Regulating the Grant of Financial Assistance to a Person with Severe Disability.
Schemes for Social Audit in Respect of the Implementing Agencies under the Persons with Disabilities Act.
Scheme of State Awards for the Welfare of Persons with Disabilities.

Click on the links below to download the files:

PDF Zip Folder (1336 Kb)
Word Zip Folder (230 Kb)

For more details visit https://cis-india.org/accessibility/resources/goa-govt-notifications

An Interview of Vera Franz

praskrishna — 2013-07-15T09:49:16Z

This interview was conducted at the Diplomatic Conference to Conclude a Treaty to Facilitate Access to Published Works by Visually Impaired Persons and Persons with Print Disabilities on June 26, 2013.

Vera Franz praises Rahul Cherian of Inclusive Planet while talking about her work. Watch the video below:

Video

For more details visit https://cis-india.org/news/interview-of-vera-franz

June 2013 Bulletin

praskrishna — 2013-07-27T09:48:16Z

Our newsletter for the month of June 2013 can be accessed below.

The Centre for Internet & Society (CIS) welcomes you to the sixth issue of its newsletter for 2013. Hivos published a White Paper by Nishant Shah titled Whose Change is it Anyway?, which attempts to reflect critically on existing patterns of making change and its implications for the future of citizen action in information and network societies. The Access to Knowledge team carried out a quantitative analysis to identify trends and growth patterns in Indian Language Wikipedias from September 2012 to April 2013. CIS drafted the Privacy Protection Bill and amended it as per feedback gained from the New Delhi, Bangalore, and Chennai Privacy Roundtable Events. CIS made closing statement on the Treaty for the Blind at the WIPO Diplomatic Conference which was concluded with the adoption of the Marrakesh Treaty to Facilitate Access to Published Works for Persons who are Blind, Visually Impaired, or otherwise Print Disabled. In a research paper Nehaa Chaudhari gives an analysis of patent pools, Sameer Boray gives an analysis of video piracy and Pranav Menon gives an analysis of India-EU FTA and issues surrounding data protection and security. In this period we organised the Institute on Internet and Society with support from the Ford Foundation at Golden Palms, Bangalore from June 8 to 14, 2013.

Celebrating 5 Years of CIS
CIS is now 5 years old and we just celebrated this by holding an open exhibition in our offices in Bangalore and Delhi from May 20 to 23, showcasing our work and accomplishments over the period. We had about 170 visitors from the general public coming in to our office. Videos of the event are here.

Google Policy Fellowship
CIS has initiated processing of applications for the Google Policy Fellowship programme. Shortlisted candidates would be informed about their interview. However, as of now there will be a 20 days delay in announcing the list for the interview.

Jobs
CIS is inviting applications for the posts of Developer (NVDA Screen Reader Project) and Editor/Content Developer. To apply for these posts, send in your resume to Nirmita Narasimhan (nirmita@cis-india.org). CIS is also seeking applications for the post of Programme Officer (Internet Governance). To apply send your resume to Sunil Abraham (sunil@cis-india.org) and Pranesh Prakash (pranesh@cis-india.org).

Accessibility

The Jharkhand Chapter (by CLPR, June 30, 2013).

Note: All the chapters published on the website are early drafts and will be reviewed and updated.

Award

Girls in ICT Day 2013 (organized by ITU-APT Foundation of India with support from CMAI - Association of India Communication and Infrastructure, FICCI Auditorium, Tansen Marg, New Delhi, May 7, 2013). Dr. Nirmita Narasimhan got a felicitation for her contribution and achievements in the field of Information and Communication Technology. The honour was conferred during the celebration of this event.

Media Coverage

A Treat for the Blind (by Chitra Narayanan, Business World, June 26, 2013). Pranesh Prakash was quoted.

Access to Knowledge and Openness

Access to Knowledge (Previously IP Reforms)

WIPO
Pranesh Prakash participated in the WIPO Diplomatic Conference to Conclude a Treaty to Facilitate Access to Published Works by Visually Impaired Persons and Persons with Print Disabilities in Marrakesh, Morocco, June 17 to 28, 2013. The conference concluded with the adoption of the Marrakesh Treaty to facilitate access to published works by blind persons, persons with visual impairment, and other print disabled persons, by requiring mandatory exceptions in copyright law to enable conversions of books into accessible formats, and by enabling cross-border transfer of accessible format books. Click for:

CIS's Closing Statement at Marrakesh on the Treaty for the Blind (by Pranesh Prakash, June 28, 2013).
India's Closing Statement at Marrakesh on the Treaty for the Blind (June 29, 2013).

Pervasive Technologies

Pervasive Technologies: Patent Pools (by Nehaa Chaudhari, June 27, 2013).

Other (FTA, Piracy)

The Right Way to Fight Video Piracy? (by Sameer Boray, June 6, 2013).
India-EU Proposed Free Trade Agreement: Issues Surrounding Data Protection and Security (by Pranav Menon, June 8, 2013).
India- EU FTA: A Note on the Copyright Issues (by Nehaa Chaudhari, June 18, 2013).

Event Participated

Governance in the Age of the Internet and Free Trade Agreements (organized by Thai Netizen Network and co-hosted by the Ministry of Information and Communication and the National Science and Technology Development Agency, Queen Sirikit National Convention Center, June 8, 2013). Sunil Abraham was a speaker.

Access to Knowledge (Wikipedia)

The A2K team consists of three members based in Bangalore: T. Vishnu Vardhan, Dr. U.B. Pavanaja and Subhashish Panigrahi and one team member Nitika Tandon who is working from Delhi office.

Statistical Report

Indian Language Wikipedia Statistics (by Nitika Tandon, June 30, September 2012 – April 2013).

Event Organised

A 'Kannada' Wikipedia Workshop for Bloggers (Suchitra, Bengaluru, June 23, 2013). Dr. U.B. Pavanaja conducted the workshop.

Event Co-organised

Telugu Wikipedia Training Workshop (co-organised by A2K team and Theatre Outreach Unit, University of Hyderabad, Golden Threshold, Nampally, Hyderabad, March 8, 2013). T. Vishnu Vardhan conducted the workshop.

Upcoming Event

Digital Humanities for Indian Higher Education (co-organised by HEIRA-CSCS, Tumkur University, CILHE-TISS and CCS, Indian Institute of Science, July 13, 2013).

Blog Entries

My First Wikipedia Training Workshop – Theatre Outreach Unit, University of Hyderabad (by T. Vishnu Vardhan, June 26, 2013). The workshop was conducted in March but the report was published only in June.
Wikipedia Visual Editor (by Nitika Tandon, June 27, 2013).

Press Coverage (including videos)

A Feature on Wikipedia and Telegu Wikipedians (HMTV, May 30-31, 2013). Watch the video.
Wikipedia Live Phone-in Programme (HMTV, June 1, 2013). T. Vishnu Vardhan took part in a one hour live phone-in programme on Wikipedia.
Wiki donors (by Akhila Seetharaman, TimeOut Bengaluru, June 21, 2013). T. Vishnu Vardhan and Dr. U.B. Pavanaja are quoted.
Kannada Wikipedia Workshop at Hasan (Prajavani, June 5, 2013). Dr. U.B. Pavanaja conducted the workshop on June 4, 2013.
Kannada Wikipedia Workshop at Hasan (Samyukta Karnataka, June 5, 2013). Dr. U.B.Pavanaja conducted the workshop on June 4, 2013.
Kannada Wikipedia Workshop at Hasan (Vijaya Karnataka, June 5, 2013). Dr. U.B.Pavanaja conducted the workshop on June 4, 2013.
Wiki Rahasya: Panel Discussion (Suvarna News, June 13, 2013). Dr. U.B.Pavanaja participated in a panel discussion around Wikipedia in general and about Kannada Wikipedia in specific.

Openness

Column

Big Data, People's Lives, and the Importance of Openness (by Nishant Shah, DML Central, June 24, 2013).

Event Hosted

RHoK Global Event (Centre for Internet and Society, Bangalore, June 1 – 2, 2013). Yogesh Londhe shares with you a post-event report.

Internet Governance

Video Interview

An Interview with Ram Mohan (June 30, 2013)

Event Organized

The Geopolitics of Information Controls: A Presentation by Masashi Crete-Nishihata (TERI, Bangalore, June 19, 2013). About 20 people participated in the event.

Privacy Research

Privacy Protection Bill, 2013 (With Amendments based on Public Feedback) (by Elonnai Hickok, June 30, 2013): CIS drafted the Bill. Based on feedback received from the New Delhi, Bangalore, and Chennai Roundtables the Bill was amended.

Interviews

Interview with the Citizen Lab on Internet Filtering in India (June 24, 2013). Maria Xynou interviewed Masashi Crete-Nishihata and Jakub Dalek from the Citizen Lab on internet filtering in India.
Interview with Billy Hawkes (June 20, 2014). Maria Xynou interviewed Billy Hawkes, the Irish Data Protection Commissioner on recommendations for data protection in India.

Columns

Indian Surveillance Laws & Practices Far Worse than US (by Pranesh Prakash, Economic Times, June 13, 2013).
World Wide Rule (by Nishant Shah, Indian Express, June 14, 2013). Nishant Shah reviews Schmidt and Cohen's book “The New Digital Age”.
Way to Watch (by Chinmayi Arun, Indian Express, June 26, 2013).
The State is Snooping: Can You Escape? (by Snehashish Ghosh, India Together, June 26, 2013).

Blog Entries

India Subject to NSA Dragnet Surveillance! No Longer a Hypothesis — It is Now Officially Confirmed (by Maria Xynou, June 13, 2013).
SEBI and Communication Surveillance: New Rules, New Responsibilities? (by Kovey Coles, June 27, 2013).
Open Letter to "Not" Recognize India as Data Secure Nation till Enactment of Privacy Legislation (by Elonnai Hickok, June 19, 2013).
Open Letter to Prevent the Installation of RFID tags in Vehicles (by Maria Xynou, June 27, 2013).

Events Organised

Technology, Power, and Revolutions in the Arab Spring (CIS, July 2, 2013). Prof. Ramesh Srinivasan gave a talk.
Learn to Secure Your Online Communication! (CIS, Bangalore, June 30, 2013). A Crypto Party was organised.
Learn to Secure Your Online Communication! (IIC, Delhi University, South Campus, New Delhi, July 6, 2013). A Crypto Party was organised.

Event Co-organised

4^th Privacy Round Table Meeting (co-organised with the Federation of Indian Chambers of Commerce and Industry and the Data Security Council of India, Mumbai, June 15, 2013).

Upcoming / Ongoing Events

Digital Activism in Europe (The Sarai Programme, Centre for the Study of Developing Societies, New Delhi, July 8, 2013). Bernadette Längle will give a talk.
Privacy Round Table, Kolkata (co-organised with the Federation for Indian Chambers of Commerce and Industry, and the Data Security Council of India, Lytton Hotel, Sudder Street, Kolkata, July 13, 2013).

Event Participated In

Biometrics or bust? India's Identity Crisis (organized by the Oxford Internet Institute, July 2, 2013). Malavika Jayaram was a speaker.

Video

Pranesh Prakash on the US snooping into Indian cyber space (by Tehelka, June 2013).

Media Coverage

Indian student in Cornell University hacks into ICSE, ISC database (by Kim Arora, Times of India, June 6, 2013). Pranesh Prakash is quoted.
‘Hacking’ sparks row over exam evaluation (by Vasudha Venugopal and Karthik Subramanian, Hindu, June 7, 2013). Pranesh Prakash is quoted.
Internet firms deny existence of PRISM (by Javed Anwer and Ishan Srivastava, Times of India, June 8, 2013). Sunil Abraham and Pranesh Prakash are quoted.
Indian Government Quietly Brings In Its 'Central Monitoring System': Total Surveillance Of All Telecommunications (Tech Dirt, June 8, 2013). Pranesh Prakash is quoted.
Facebook, Google deny spying access (by Javed Anwer, Times of India, June 9, 2013). Pranesh Prakash is quoted.
Govt mulls advisory on privacy issues related to Google, Facebook (by Thomas K Thomas, Hindu Business Line, June 10, 2013). Sunil Abraham is quoted.
Cyber experts suggest using open source software to protect privacy (by Kim Arora, Times of India, June 22, 2013). Sunil Abraham is quoted.
Govt goes after porn, makes ISPs ban sites (by Javed Anwer, Times of India, June 26, 2013). Sunil Abraham is quoted.
Indian govt blocks 40 smut sites, forgets to give reason (by Phil Muncaster, The Register, June 27, 2013). Sunil Abraham is quoted.
Concerns over central snoop (by Aloke Tikku, Hindustan Times, June 28, 2013). Sunil Abraham is quoted.
Internet users enraged over US online spying (by Maitreyee Boruah, Times of India, June 29, 2013). Sunil Abraham is quoted.
Issue of duplication of identities of users under control: Nilekani (by Anirban Sen, Livemint, June 29, 2013). Sunil Abraham is quoted.
In India, Prism-like Surveillance Slips Under the Radar (by Anjan Trivedi, Time World, June 30, 2013). Sunil Abraham is quoted.

Knowledge Repository on Internet Access

CIS in partnership with the Ford Foundation is executing a project on Internet Access. It covers the history of the internet, technologies involved, principle and values of internet access, broadband market and universal access. It will also touch upon various policies and regulations which has an impact on internet access and bodies and mechanism which are responsible for formulation of policies related to internet access. The blog posts and modules are being published in the Internet Institute website:

Event Organised

Institute on Internet and Society (supported by Ford Foundation, Golden Palms Resort, Bangalore, June 8 – 14, 2013). Pranesh Prakash, Bernadette Längle, Vir Kamal Chopra, AK Bhargava, Ananth Guruswamy, Archana Gulati, Chakshu Roy, Elonnai Hickok, Gaurab Raj Upadhaya, Helani Galpaya, Michael Ginguld, Dr. Nadeem Akhtar, C. Nandini, Dr. Nirmita Narasimhan, Dr. Nishant Shah, Parminder Jeet Singh, Ravikiran Annaswamy, Dr. Ravina Aggarwal, Satyen Gupta, Dr. Subbiah Arunachalam, Sunil Abraham, Tulika Pandey and T. Vishnu Vardhan were speakers at the event. The presentations can be accessed here.

Telecom

Newspaper Column

Law & Order through Traffic Systems (by Shyam Ponappa, Business Standard, June 5, 2013 and cross-posted in Organizing India Blogspot).

Digital Natives

Digital Natives with a Cause? examines the changing landscape of social change and political participation in light of the role that young people play through digital and Internet technologies, in emerging information societies. Consolidating knowledge from Asia, Africa and Latin America, it builds a global network of knowledge partners who critically engage with discourse on youth, technology and social change, and look at alternative practices and ideas in the Global South:

White Paper

Whose Change is it Anyway? (by Nishant Shah, Hivos, June 18, 2013).

Digital Humanities

Blog Entries

Mapping the Field of Digital Humanities (by Sara Morais, June 11, 2013).
A Suggested Set of Values for the Digital Humanities (by Sara Morais, June 12, 2013).
Archive Practice and Digital Humanities (by Sara Morais, June 24, 2013).

About CIS

Follow us elsewhere

Get short, timely messages from us on Twitter
Join the CIS group on Facebook
Visit us at http://cis-india.org

Support Us
Please help us defend consumer / citizen rights on the Internet! Write a cheque in favour of ‘The Centre for Internet and Society’ and mail it to us at No. 194, 2nd ‘C’ Cross, Domlur, 2nd Stage, Bengaluru – 5600 71.

Request for Collaboration

We invite researchers, practitioners, and theoreticians, both organisationally and as individuals, to collaboratively engage with Internet and society and improve our understanding of this new field. To discuss the research collaborations, write to Sunil Abraham, Executive Director, at sunil@cis-india.org or Nishant Shah, Director – Research, at nishant@cis-india.org

For more details visit https://cis-india.org/about/newsletters/june-2013-bulletin

National Resource Kit: The Jharkhand Chapter (Call for Comments)

Manojna Yeluri — 2013-11-07T06:14:16Z

The National Resource Kit team is pleased to bring you its research on the state of laws, policies and programmes for persons with disabilities in the state of Jharkhand.

Executive Summary

According to the 2001 Census, the number of persons with disability i Jharkhand amounted to about 4,48,377 which is roughly 3% of the total population of Jharkhand.[1] The largest section of the disabled population in Jharkhand is visually impaired, constituting about 41.53%. Statistics indicate that Jharkhand houses approximately 2.04% of the total disabled population of the country.

Quick Statistics:

Capital: Ranchi
Population: 32,966,238 (2011 Census)
Population of Persons with Disabilities: 448,377 (2001 Census)
Literacy: 67.63%

The Nodal Department in charge of the implementation and enforcement of the Rules and Acts concerning Persons with Disabilities is the Department of Social Welfare, Women and Child Development. The Jharkhand State Policy on Disability Rights seeks to ensure, inter alia, Participation, Inclusion, Barrier free environment, Empowerment and Self Advocacy.

Legal Provisions

The Jharkhand State Policy on Disability has been formulated under the provisions enshrined in the Central Policies and laws.

The State Policy seeks to facilitate the inclusion of disability rights in the strategies of the Government, to develop an integrated management system for the coordination of disability planning and its implementation, and finally, to develop a comprehensive plan of action that will include among other things, a strong public education system and awareness raising programmes. The Policy focuses mainly on the following areas:

Public Education and Awareness Raising
Prevention of Disabilities through Early Identification and Intervention, immunisation, healthy lifestyle promotion and so on.
Health Care and Nutrition
Community Based Rehabilitation
Barrier Free Access
Accessible and Flexible Public Transport System
Inclusive Education
Employment and Economic Empowerment
Participation in Public Life
Skill Development through special vocation training services
Human Resource Development to ensure access to the necessary rehabilitation services
Social Security
Housing
Cultural and Creative Activities and Sports
Data Gathering and Research on Persons with Disabilities
Special Focus areas: Mental Illness, Sensory and Multiple Disabilities, Women and Girls with Disabilities and Certification

Additionally, a new policy is set to be passed which will ensure a three per cent fund allotment in the State’s annual budget, for the upliftment of people with disability.[2]

Accessibility

The Department of Social Welfare, Jharkhand has not made any schemes under this category except for the following:

Concessions on Tickets: For persons with blindness, physical or mental disability, 75% concession on the price of tickets is given in sleeper class and 3^rd AC compartment while 50% concession is given in 2^nd and 1^st AC. For persons who are hearing and speech impaired, a 50% concession is provided. A concession is also provided for any helper traveling with the person with disability.[3]

Tricycles and Wheelchairs: Tricycles, wheelchairs and other aids and appliances are to be provided to the physically challenged, however there is no specific scheme for the same.[4]

No other provisions have been made with regard to travel allowances.

Education

The state government provides for scholarships, reserevations and other facilities for stidents with disabilities. The benefits provided are as follows:

Scholarships and Stipends for students with disabilities:

Class 1- 8 in Govt schools: Stipend of Rs. 50/- per student per month.

Class 9 to Undergraduate degree in Govt school/ college: Stipend of Rs.250/- per student per month.

Postgraduate degree in a Govt college: Stipend of Rs. 260/- per student per college.

Boarders from Class 1-8 in a Govt school: Stipend of Rs. 100/- per student per month.
Additionally, if any registered Non Governmental Organisation sets up a school for children with disabilities, students of that school are also to be taken care of. It is to be ensured that the schools have trained teachers and the necessary equipments.[5]

Reservation in Educational Institutions: As per Section 39 of the PWD Act, reservation of 3% is provided in government educational institutions as well as educational institutions funded by the government for persons with disabilities.

Non Formal education: 5^th class dropout students with disabilities are to be given Non Formal education and children over the age of 16 are to be given special books, desired equipments and are to be taught through open schools and universities in order for them to attain functional literacy.[6]

Grants in Aid Schemes: The Department of Social Welfare runs various bodies and institutions through grants in aid to Non Governmental Organisations for the welfare of its target groups. Few of such schemes are as follows.

Establishment of Schools for Spastic Children: The scheme for the spastic children is being implemented in this State through Non Governmental Organisations in different blocks of the State. For this scheme funds are provided to those Non Governmental Organisations that wish to open special schools for the benefit of spastic children.
Schools for the Blind, Hearing and Speech Impaired: The State government has set up construction and renovation work for schools for the blind, hearing and speech impaired. In addition to these, 3 new schools and hostels have been completed. It is proposed to run these institutions with the help of capable Non Governmental Organisations.

Employment

Reservation in Government Jobs: As per Notification No. 728 dated 01/11/2007 read with Notification No. 5776 dated 10/10/2002 and Notification No. 5795 dated 10/10/2002, 3% of Government jobs have been reserved for persons with disabilities in the State.[7] Within this 3%, 1% of the jobs is reserved for persons with partial or complete blindness, 1% for people with hearing disability and 1% for people who are orthopaedically disabled.[8]

Health and Rehabilitation

No health and rehabilitation schemes have been formulated except for provision of equipment and aids and appliances.

Equipments for persons with disabilities: Equipments such as crutches, hearing aids, tricycles are being provided by the State government to persons with disabilities.

Social Protection

Swami Vivekananda Nisshakta Svawalamban Protsahan Yojana: This is a flagship scheme promulgated by the Jharkhand State Government with regard to the welfare of persons with disabilities in the State. Since the financial year 2006-07 the Government has started this scheme where an amount of Rs. 200/- per month is given to every person with disability living in the State and is above the age of 5 years as a stipend through Anganwadi workers. This amount has now been increased to Rs. 400/- per month.[9]

Minor Disability Sector scheme: Apart from the scheme of Swami Vivekananda Nisshakta Svawalamban Protsahan Yojana there are a few minor schemes relating to disability which are run by the Department of Social Welfare. They are as follows:

Special Equipment for Disabled

Scholarship to Handicapped

Economic & Social Survey of the Disabled

Workshop for the Disabled[10]

Reservation in Poverty Alleviation Programmes: Notification No. 3260 dated 06/06/2003 provides that any poverty alleviation programme of the Government must have a 3% reservation for persons with disabilities.[11]

Workshop for the Disabled: Under this scheme funds are provided to Non Governmental Organisations for conducting workshops, seminars etc. on disability, and also for organizing Abilympics and related events.[12] Abilympics is a vocational skills competition on the lines of the Olympics, held for persons with disabilities to showcase their talents.

Central Schemes

Cash Transfer Scheme: Jharkhand government has decided to bring all 24 districts of the state under Direct Cash Transfer scheme of the Central Government by May 2013. The Direct Cash Transfer scheme will start in four districts of Jharkhand- Ranchi, Ramgarh, Hazaribagh and Saraikela Kharsawan. The scheme would provide cash directly to persons with disability, in addition to scholarships and pensions for the elderly and other welfare schemes of Central Government through Aadhar cards.

Deendayal Disabled Rehabilitation Scheme to promote Voluntary Action for Persons with Disabilities: This is an umbrella scheme by the Central Government for the effective rehabilitation of persons with disabilities. The Jharkhand Government, under this scheme, provides assistance to Non Governmental Organisations for provision of a wide range of services to the disabled such as early intervention, programmes for pre school, vocational training, special education, community based rehabilitation, manpower development and so on.[13]

Assistance to Disabled Persons for Purchase/Fitting of Aids/Appliances (ADIP) Scheme: This scheme of the Central Government has been implemented by the Jharkhand Government. Funds are provided to the state notionally which are then allocated to Implementing Agencies for the purpose of assisting persons with disabilities to promote their physical, social and psychological rehabilitation by helping them.[14]

Scheme for providing Employment to Persons with Disabilities in the Private Sector: Incentives are being provided by the Government to the private sector employers in order to promote employment in the private sector as well.[15]

[1].http://www.jharkhand.gov.in/new_depts/socwf/Social%20Welfare%20Annual%20Plan%2009-10.pdf

[2].http://articles.timesofindia.indiatimes.com/2012-09-05/ranchi/33614847_1_state-disability-commissioner-pwd-act-disability-act

[3].Directory for the Empowerment of Persons with Disabilities through Government and Non Governmental Organisations, pp.25-26.

[4].http://www.telegraphindia.com/1130302/jsp/jharkhand/story_16623167.jsp#.UYc8tLW7KAg

[5].http://socialwelfarejhar.com/ap12-13.pdf, p.5.

[6].Section 27 of the PWD Act.

[7].Directory for the Empowerment of Persons with Disabilities through Government and Non Governmental Organisations, p. 33.

[8]. Office Memorandum No.36035/3/2004-Estt.(Res.) dated 29.12.2005.

[9].http://socialwelfarejhar.com/

[10].http://www.jharkhand.gov.in/new_depts/ap201011/Social_welfare201011.pdf

[11].Supra, n.7.

[12].http://www.jharkhand.gov.in/new_depts/socwf/Social%20Welfare%20Annual%20Plan%2009-10.pdf

[13].http://socialjustice.nic.in/ddrs.php?pageid=6

[14].http://socialjustice.nic.in/adipjh.php

[15].http://socialjustice.nic.in/incentdd.php

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