Mohd. Karimuddin Malik

Mohd. Karimuddin Malik

Placed at:   Hazaribagh, Jharkhand

Education: BA (Mass Communication and Social Work), and Masters in Social Engineering, Lucknow University.

Prior work experience:

  • Karimuddin Malik has engaged in policy research related to MGNREGA and has participated in the conduct of 137 social audits in Pratapgarh District with the Government of Uttar Pradesh and Action Aid. He has also provided training to panchayat officials and the general public regarding the conduct of social audit under MGNREGA.

One key work during fellowship

  • People had to travel several miles for pension, due to the poor banking coverage in remote areas of Hazaribagh (Jharkhand)

What was done:

  • Delivery chain analysis conducted
    Stakeholder consultations held
    Ensured enrollment of every pensioner under Aadhaar and linked it with bank accounts across Hazaribagh
    Taking measures to deliver pension at beneficiaries door step through Aadhaar Enabled Biometric Authenticated Micro-ATM devices


  • Within one year, pension disbursed to more than 38,000 people through the new mechanism, regularly
    Former Chief Secretary of Jharkhand, Mr.R.S.Sharma (IT Secy, GoI) appreciated the innovation.
    Work has been scaled across the state of Jharkhand