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UP rolls out Gram-Urja model to cut LPG use by 70 pc in rural homes
The initiative promotes the local production of organic fertiliser and aims to reduce domestic LPG use by 70 per cent, the state government said in a statement on Tuesday.
The initiative is being integrated with the Mahatma Gandhi National Rural Employment Guarantee (MGNREGA) scheme, and is planned to directly benefit farmers. Biogas units will be installed near individual households or farms, enabling farmers to produce both cooking gas and organic fertiliser for personal use. This will cut farming costs and improve productivity, the statement added.
Rural households will benefit from the construction of personal cattle sheds, and the dung generated will be used in biogas units to produce kitchen fuel.
Additionally, farmers can sell the leftover slurry as organic fertiliser to nearby cultivators, creating a new income stream and enhancing self-sufficiency, the statement said.
Anurag Srivastava, OSD, Uttar Pradesh Gauseva Commission, said that domestic biogas units installed at the village level will reduce kitchen LPG consumption by nearly 70 per cent. This will not only lower household expenses but also support environmental conservation.
The government also plans to establish biogas and organic fertiliser plants in 43 selected cow shelters. Each shelter is expected to produce up to 50 quintals of slurry per month, which will be a valuable resource for nearby farmers engaged in organic farming.
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Time of India
19 hours ago
- Time of India
Uttar Pradesh rolls out Gram-Urja model to cut LPG use by 70% in rural homes
Uttar Pradesh rolled out the Gram-Urja model to boost energy self-sufficiency and employment opportunities for rural households. The initiative promotes the local production of organic fertiliser and aims to reduce domestic LPG use by 70 per cent , the state government said in a statement on Tuesday. The initiative is being integrated with the Mahatma Gandhi National Rural Employment Guarantee (MGNREGA) scheme, and is planned to directly benefit farmers. Biogas units will be installed near individual households or farms, enabling farmers to produce both cooking gas and organic fertiliser for personal use. This will cut farming costs and improve productivity, the statement added. Rural households will benefit from the construction of personal cattle sheds , and the dung generated will be used in biogas units to produce kitchen fuel. Additionally, farmers can sell the leftover slurry as organic fertiliser to nearby cultivators, creating a new income stream and enhancing self-sufficiency, the statement said. Anurag Srivastava, OSD, Uttar Pradesh Gauseva Commission, said that domestic biogas units installed at the village level will reduce kitchen LPG consumption by nearly 70 per cent . This will not only lower household expenses but also support environmental conservation . The government also plans to establish biogas and organic fertiliser plants in 43 selected cow shelters. Each shelter is expected to produce up to 50 quintals of slurry per month, which will be a valuable resource for nearby farmers engaged in organic farming.


Economic Times
21 hours ago
- Economic Times
Transforming Bharat's finance landscape: The RUGR story
Advertorial Spotlight Wire India's financial revolution has been predominantly urban. That said, fintech is finding its way into the hinterland, one village at a time. And one name, RUGR, is at the forefront of this transformation. RUGR is not just another app in the sea of fintech products. Instead, it is an infrastructure-level power and digital catalyst designed for Bharat — the India that dwells in towns, panchayats, mandis , and farming belts. The appeal of RUGR lies in its philosophy of building bridges instead of just breaking down walls. It does not want to replace traditional banks or NBFCs, but work alongside them with modular, scalable tech to help these institutions serve the underserved better. In essence, RUGR is not here to compete; it is here to complete. A digital framework rooted in reality RUGR is not about branding. It is about implementation and the intertwining of state-of-the-art fintech solutions with India's rural and semi-urban financial setting. With the deployment of an extremely advanced set of modules called "Grams," RUGR gives a digital facelift to legacy institutions such as cooperative banks, NBFCs, and Primary Agricultural Credit Societies (PACS) — quickly and affordably, with none of the red tape and heavy overhead costs of building their own tech from scratch. Here's the architecture that makes this possible: Fin-Gram: Rural core banking, reimagined At the core is Fin-Gram, a custom-built Core Banking System (CBS) for cooperative banks and credit societies. It automates and streamlines loan disbursement, deposit mobilisation, interest tracking, and security-related approvals. Unlike conventional CBSs, Fin-Gram is designed to be rural-scale, cost-efficient, and corresponding to agricultural cycles. Agri-Gram: Intelligence for the farmer's economy Agri-Gram fuses data science with agriculture, with features such as real-time warehousing analytics, crop inventory, and input finance for transparent supply chains and a price discovery module that recognises farmers as value chain members rather than just credit seekers. RUGR Udaan: Bharat's payments engine RUGR Garuda is more than connected banking, in that it provides efficient one-to-many payouts, including B2B vendor payments, gig worker payouts, insurance refunds, commissions, fees, and government transfers in a single, secure, compliant model. RUGR Garuda is built for scale and offers sponsorship-model pay-ins and pay-outs with full traceability. It is not simply a payment rail; it is an app-based neo-banking experience with all the features of account opening, KYC, and digital banking. Transfer-Gram: Making bulk transactions less troublesome Transfer-Gram lets institutions execute high-volume, error-free payouts for government subsidies, wages, B2B commissions, refunds, NGO payouts, or company wage disbursements. With a secure and compliant infrastructure, Transfer-Gram is tailor-made for one-to-many disbursements at scale. Neo-Gram: Identity and onboarding, simplified Paperwork is one of the biggest hurdles in rural banking. Neo-Gram cuts through paperwork with biometric KYC, video onboarding, and Aadhaar verification, offering a full-stack neo-banking experience, from account creation to wallet integration. Bank-Gram: Infrastructure light, security strong It offers fraud detection, POS support, insurance plug, and risk alerts. Operating on a sponsorship model for pay-ins and pay-outs — like a model such as Issuer X — even a remote PACS can act as a modern bank without having to invest in heavy IT infrastructure. RUGR Garuda: Bharat's transaction backbone RUGR Garuda is RUGR's in-house FRM and transaction backbone, providing a secure and scalable mechanism for payouts across Bharat. Garuda enables real-time disbursements across a variety of use cases, from gig worker wages to B2B vendor payments and refunds, all while ensuring compliance and combining KYC, account creation, and transaction monitoring for a 'banking-in-an-app" experience. It also has an industry-leading detection speed of under 60 seconds and an industry-best dispute ratio, offering trust and simplicity to rural finance. A platform that doesn't just transact, but transforms RUGR's genius lies in its empathy-based human-centric design. Options for regional languages, user-friendly interfaces, and even offline digital functionality makes for natural adoption, not forced adoption. Importantly, RUGR speaks the language of Bharat, not just in form, but function. It connects with the sabziwala who has a feature phone, the teacher who is applying for a micro loan, and the bank clerk who manages paper-based RUGR's mission-driven ethos, Arangasamy KV captures the brand's deeper vision with clarity: "Technology is only meaningful when it bends towards purpose. RUGR's purpose is not convenience alone, but change that is deep, inclusive, and enduring."— Arangasamy KV, Founder, RUGR A movement, not just a market Today, there is still a staggering 65% of India that lives in villages, Yet less than 20% of that population enjoys a strong digital banking experience. This gap is a lost opportunity. The arrival of RUGR is a turning point, marking the beginning of a new era for India's fintech development that is horizontal, not vertical. It recognises that aspiration isn't created in a lab in fintech accelerators, but in the barns, bazaars, and gram sabhas of rural India.A significant step in this direction was established when Hrithik Roshan was signed on as the new face of RUGR, bringing not only credibility, but a cultural relevance that allows the platform to connect with hearts before connecting to devices. Conclusion: Rethinking real Bharat, digitally The future of finance in India lies not only in billion-dollar IPOs or global partnerships. It is also in a QR code being tapped at a village ration shop. It is farmers checking their loan balance in real-time. It is about teachers receiving their salary on time through a secure app. With RUGR, rural India is not catching up; it is at the forefront of India's economic revolution. 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Time of India
a day ago
- Time of India
Transforming Bharat's finance landscape: The RUGR story
Academy Empower your mind, elevate your skills Spotlight Wire India's financial revolution has been predominantly urban. That said, fintech is finding its way into the hinterland, one village at a time. And one name, RUGR, is at the forefront of this is not just another app in the sea of fintech products. Instead, it is an infrastructure-level power and digital catalyst designed for Bharat — the India that dwells in towns, panchayats, mandis, and farming belts. The appeal of RUGR lies in its philosophy of building bridges instead of just breaking down walls. It does not want to replace traditional banks or NBFCs, but work alongside them with modular, scalable tech to help these institutions serve the underserved better. In essence, RUGR is not here to compete; it is here to is not about branding. It is about implementation and the intertwining of state-of-the-art fintech solutions with India's rural and semi-urban financial setting. With the deployment of an extremely advanced set of modules called "Grams," RUGR gives a digital facelift to legacy institutions such as cooperative banks, NBFCs, and Primary Agricultural Credit Societies (PACS) — quickly and affordably, with none of the red tape and heavy overhead costs of building their own tech from the core is Fin-Gram, a custom-built Core Banking System (CBS) for cooperative banks and credit societies. It automates and streamlines loan disbursement, deposit mobilisation, interest tracking, and security-related approvals. Unlike conventional CBSs, Fin-Gram is designed to be rural-scale, cost-efficient, and corresponding to agricultural fuses data science with agriculture, with features such as real-time warehousing analytics, crop inventory, and input finance for transparent supply chains and a price discovery module that recognises farmers as value chain members rather than just credit Garuda is more than connected banking, in that it provides efficient one-to-many payouts, including B2B vendor payments, gig worker payouts, insurance refunds, commissions, fees, and government transfers in a single, secure, compliant model. RUGR Garuda is built for scale and offers sponsorship-model pay-ins and pay-outs with full traceability. It is not simply a payment rail; it is an app-based neo-banking experience with all the features of account opening, KYC, and digital lets institutions execute high-volume, error-free payouts for government subsidies, wages, B2B commissions, refunds, NGO payouts, or company wage disbursements. With a secure and compliant infrastructure, Transfer-Gram is tailor-made for one-to-many disbursements at is one of the biggest hurdles in rural banking. Neo-Gram cuts through paperwork with biometric KYC, video onboarding, and Aadhaar verification, offering a full-stack neo-banking experience, from account creation to wallet offers fraud detection, POS support, insurance plug, and risk alerts. Operating on a sponsorship model for pay-ins and pay-outs — like a model such as Issuer X — even a remote PACS can act as a modern bank without having to invest in heavy IT Garuda is RUGR's in-house FRM and transaction backbone, providing a secure and scalable mechanism for payouts across Bharat. Garuda enables real-time disbursements across a variety of use cases, from gig worker wages to B2B vendor payments and refunds, all while ensuring compliance and combining KYC, account creation, and transaction monitoring for a 'banking-in-an-app" experience. It also has an industry-leading detection speed of under 60 seconds and an industry-best dispute ratio, offering trust and simplicity to rural genius lies in its empathy-based human-centric design. Options for regional languages, user-friendly interfaces, and even offline digital functionality makes for natural adoption, not forced adoption. Importantly, RUGR speaks the language of Bharat, not just in form, but function. It connects with the sabziwala who has a feature phone, the teacher who is applying for a micro loan, and the bank clerk who manages paper-based RUGR's mission-driven ethos, Arangasamy KV captures the brand's deeper vision with clarity:"Technology is only meaningful when it bends towards purpose. RUGR's purpose is not convenience alone, but change that is deep, inclusive, and enduring."— Arangasamy KV, Founder, RUGRToday, there is still a staggering 65% of India that lives in villages, Yet less than 20% of that population enjoys a strong digital banking experience. This gap is a lost opportunity. The arrival of RUGR is a turning point, marking the beginning of a new era for India's fintech development that is horizontal, not vertical. It recognises that aspiration isn't created in a lab in fintech accelerators, but in the barns, bazaars, and gram sabhas of rural India A significant step in this direction was established when Hrithik Roshan was signed on as the new face of RUGR, bringing not only credibility, but a cultural relevance that allows the platform to connect with hearts before connecting to future of finance in India lies not only in billion-dollar IPOs or global partnerships. It is also in a QR code being tapped at a village ration shop. It is farmers checking their loan balance in real-time. It is about teachers receiving their salary on time through a secure RUGR, rural India is not catching up; it is at the forefront of India's economic revolution