Report v.1.5 Gorakhpur Final

REPORT ON
Unorganized Sector Status and Plans

District of Gorakhpur, Uttar Pradesh
Date: 17/01/2021
Submitted by
Gorakhpur District
Table of Contents
PREFACE.........................................................................................................................................................5
1. ABOUT THE REPORT ..............................................................................................................................6
1.1. STEPS TO THE REPORT............................................................................................................................... 6
1.2. LIMITATIONS IN THE REPORT .................................................................................................................... 11
2. POLICY RECOMMENDATION ................................................................................................................ 13
2.1. POLICY NAME & SUMMARY ..................................................................................................................... 13
2.2. CRITICAL ISSUES..................................................................................................................................... 13
2.3. PROPOSED SOLUTIONS............................................................................................................................ 15
2.4. OPERATIONS ......................................................................................................................................... 17
2.4.1. Micro-level Subsidies ........................................................................ Error! Bookmark not defined.
2.4.2. Goals ................................................................................................ Error! Bookmark not defined.
2.4.3. Partners ............................................................................................ Error! Bookmark not defined.
2.4.4. Eligibility ........................................................................................... Error! Bookmark not defined.
2.5. SUCCESS INDICATORS................................................................................... ERROR! BOOKMARK NOT DEFINED.
2.6. MEASURES ........................................................................................................................................... 20
2.7. TIMELINE ............................................................................................................................................. 22
3. CHAPTERS ........................................................................................................................................... 25
CHAPTER A: DEFINITIONS & METHODOLOGIES ......................................................................................................... 25
3.1.1. Definition of Unorganized Sector ................................................................................................. 25
3.1.2. Sampling Numbers ....................................................................................................................... 25
3.1.3. Extrapolation Methodology ......................................................................................................... 31
3.1.4. Methodology for Health Status Score .......................................................................................... 32
3.1.5. Methodology for Financial Status Score....................................................................................... 38
CHAPTER B: DISTRIBUTION OF UNORGANIZED SECTOR IN THE DISTRICT OF GORAKHPUR .................................................. 46
CHAPTER C: DISTRIBUTION OF SCORES ACROSS VARIOUS DEMOGRAPHICS IN GORAKHPUR ............................................... 54
3.1.6. Health Status Scores..................................................................................................................... 62
3.1.7. Financial Status Scores ................................................................................................................. 62
3.1.8. Combined Scores .......................................................................................................................... 62
CHAPTER D: ANALYZED ISSUES WITH COMMENTS ..................................................................................................... 63
3.1.9. General Conclusions ..................................................................................................................... 63
3.1.10. Demographic Conclusions ....................................................................................................... 68
3.1.11. Economic Conclusions.............................................................................................................. 69
3.1.12. Debt & Credit Related .............................................................................................................. 74
3.1.13. Health Related ......................................................................................................................... 76
3.1.14. Sector Related ......................................................................................................................... 78
3.1.15. Combined Status Related ........................................................................................................ 81
CHAPTER E: OPERATIONS UNDER RECOMMENDED POLICY .......................................................................................... 84
3.1.16. Activity Level Subsidy Planning ................................................................................................ 84
3.1.17. Future Credit Eligibility Parameters ......................................................................................... 94
3.1.18. Partner Analysis....................................................................................................................... 94
3.1.19. Budget of the Policy................................................................................................................. 96
CHAPTER F: COMPARISON BETWEEN LUCKNOW, MEERUT AND GORAKHPUR ................................................................. 97
CHAPTER G: DASHBOARD ................................................................................................................................... 103
4. REFERENCES ...................................................................................................................................... 112
Gorakhpur District
Exhibit 1: Critical Issues ......................................................................................................... 13

Exhibit 2: Proposed Solutions ................................................................................................ 16
Exhibit 3: Operations ............................................................................................................. 17
Exhibit 4: Short Term Measures ............................................................................................ 20
Exhibit 5: Medium Term Measures ....................................................................................... 21
Exhibit 6: Timeline for Execution........................................................................................... 23
Exhibit 7: Sample distribution for Gorakhpur ...................................................................... 26
Exhibit 8: Final Location Report............................................................................................. 29
Exhibit 9: Indicator for Health Score ..................................................................................... 32
Exhibit 10: Indicators under Health Systems recommended by WHO ................................. 35
Exhibit 11: Parameters by NABARD for Financial Score ....................................................... 38
Exhibit 12: Parameters for Financial Score (by NITI Aayog against the SDG Indices) .......... 42
Exhibit 13: Total numbers in Meerut .................................................................................... 46
Exhibit 14: Sector wise distribution (for combined type) ..................................................... 46
Exhibit 15: Sector wise distribution (for combined type) ..................................................... 47
Exhibit 16: Employment Type (for all regions) / Currently UnemployedError! Bookmark not
defined.
Exhibit 17: Employment Type (for all regions) / Currently Unemployed ............................. 48
Exhibit 18: Sub-Sector distribution (for combined type) ...................................................... 48
Exhibit 19: Community wise distribution (for combined areas)........................................... 49
Exhibit 20: Community wise distribution (for combined region type) ................................. 49
Exhibit 21: Community wise distribution (for combined region type) ................................. 50
Exhibit 22: Total numbers for Semi Urban and Urban Region ............................................. 50
Exhibit 23: Sector wise distribution (for Semi Urban and Urban Region) ............................ 50
Exhibit 24: Sub-Sector wise distribution (for Semi Urban and Urban Region) .................... 51
Exhibit 25: Sub-Sector wise distribution (for Semi Urban and Urban Region) .................... 52
Exhibit 26: Community wise distribution (for Semi Urban and Urban Region) ................... 52
Exhibit 27: Total numbers for Rural Region .......................................................................... 52
Exhibit 28: Sector wise distribution (for Rural Region) ........................................................ 53
Exhibit 29: Community wise distribution (for Rural Region) ................................................ 53
Exhibit 30: Sub-Sector wise distribution (for Rural Region) ................................................. 53
Exhibit 31: All scores for All Region type .............................................................................. 54
Exhibit 32: All scores for All Region type .............................................................................. 54
Exhibit 33 : Sector wise scores (Rural Region) ...................................................................... 56
Exhibit 34: Sector wise scores (Rural Region) ....................................................................... 56
Exhibit 35: Community wise scores (Urban & Semi Urban Region) ..................................... 57
Exhibit 36: Community wise scores (Urban & Semi Urban Region) ..................................... 57
Exhibit 37: Community wise scores (Rural Region) .............................................................. 58
Exhibit 38: Community wise scores (Rural Region) .............................................................. 58
Exhibit 39: Scores – for Cook (Rural) - Community ............................................................... 59
Exhibit 40: Scores – for Cook (Rural) - Community ............................................................... 59
Exhibit 41: Scores – for Industries (Rural) - Community ....................................................... 60
Exhibit 42: Scores – for Industries (Rural) - Community ....................................................... 60
Exhibit 43: Scores – for maids, personal errands and security guard (all region type) ....... 61
Exhibit 44: Scores – for maids, personal errands and security guard (all region type) ....... 61
Exhibit 45: Scores – for those involved in various other works, primarily Errands (all region
type) ....................................................................................................................................... 62
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Gorakhpur District
Exhibit 46: Scores – for those involved in various other works, primarily Errands (all region
type) ....................................................................................................................................... 62
Exhibit 47: Distribution of Household ................................................................................... 63
Exhibit 48: No. of Households Vs Self Employed .................................................................. 64
Exhibit 49: Migration Status .................................................................................................. 65
Exhibit 50: Avg. Monthly Income Vs Expense ....................................................................... 66
Exhibit 51: Employment Status ............................................................................................. 67
Exhibit 52: Total OBC Population .......................................................................................... 68
Exhibit 53: Total SC / ST Population ...................................................................................... 68
Exhibit 54: Financial Status Score (Region Wise) ...................... Error! Bookmark not defined.
Exhibit 55: Financial Status Score (Sector Wise) - Rural ....................................................... 70
Exhibit 56: Financial Status Score (Sector Wise) – Urban & Semi Urban ............................. 71
Exhibit 57: Financial Status Score (Community) – All Region Type ...................................... 71
Exhibit 58: Financial Status Score (Errands and Maids) – All Region Type........................... 72
Exhibit 59: Financial Status Score (Cooks) – Rural ................................................................ 72
Exhibit 60: Score – Maids, Personal Errands & Security Guards (all region type) ............... 73
Exhibit 61: Score – Other Sector / Sub- Sector (all region type)........................................... 74
Exhibit 62: Forms of Debt ...................................................................................................... 74
Exhibit 63: Forms of Loan ...................................................................................................... 75
Exhibit 64: Loan Sources (Rural) ............................................................................................ 75
Exhibit 65: Health Status Score (all regions) ......................................................................... 76
Exhibit 66: Health Status Scores - Industry (all region type) ................................................ 77
Exhibit 67: Health Score - Community (Rural) ...................................................................... 78
Exhibit 68: Household numbers (for all region type) ............................................................ 78
Exhibit 69: Sector wise comparison (for all region type) ...................................................... 79
Exhibit 70: Distribution by Sub-Sector .................................................................................. 80
Exhibit 71: Score (Cooks) – Rural vs. Community ................................................................. 81
Exhibit 72: Score (Others) for all region types ...................................................................... 82
Exhibit 73: Score – Sector wise for Urban and Semi Urban region...................................... 82
Exhibit 74: Score – Sector wise for Rural region ................................................................. 83
Exhibit 75: Detailed Recommendations ................................................................................ 83
Exhibit 76: Skill and Activity Level Subsidy Plan ................................................................... 88
Exhibit 77: Expected number of claims (targeted)................................................................ 93
Exhibit 78: Average annual value of subsidy ........................................................................ 93
Exhibit 79: Partner Analysis ................................................................................................... 95
Exhibit 80: Meerut Vs Lucknow Vs Gorakhpur: No. of Households ..................................... 97
Exhibit 81: Meerut Vs Lucknow Vs Gorakhpur: No. of Households ..................................... 97
Exhibit 82: Meerut Vs Lucknow Vs Gorakhpur: Migration ................................................... 98
Exhibit 83: Meerut Vs Lucknow Vs Gorakhpur: Income Vs Expense .................................... 99
Exhibit 84: Meerut Vs Lucknow Vs Gorakhpur: Health Status Scores (Urban & Semi Urban
Region) ................................................................................................................................... 99
Exhibit 85: Meerut Vs Lucknow Vs Gorakhpur: Health Status Scores (Rural Region) ....... 100
Exhibit 86: Meerut Vs Lucknow Vs Gorakhpur: Financial Status Score (All Region Type) . 101
Exhibit 87: Meerut Vs Lucknow Vs Gorakhpur: Financial Status Score (Urban Region) –
Sector wise ........................................................................................................................... 101
Exhibit 88: Meerut Vs Lucknow Vs Gorakhpur: Financial Status Score (Rural Region) –
Sector wise ........................................................................................................................... 102
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Gorakhpur District
Exhibit 89: Dashboard: Health Status Score (all region type)............................................. 103
Exhibit 90: Dashboard: Financial Status Score (all region type) ......................................... 103
Exhibit 91: Dashboard: Socio Economic Status Score (all region) ...................................... 104
Exhibit 92: Dashboard: Health Status Score (Urban Region) .............................................. 104
Exhibit 93: Dashboard: Financial Status Score (Urban Region) .......................................... 105
Exhibit 94: Dashboard: Socio Economic Status Score (Urban Region) ............................... 105
Exhibit 95: Dashboard: Health Status Score (Rural Region) ............................................... 106
Exhibit 96: Dashboard: Financial Status Score (Rural Region)............................................ 106
Exhibit 97: Dashboard: Socio Economic Status Score (Rural Region) ................................. 107
Exhibit 98: Dashboard: Health Status Score in Households (all region type) .................... 107
Exhibit 99: Dashboard: Financial Status Score in Households (all region type) ................. 108
Exhibit 100: Dashboard: Socio Economic Status Score in Households (all region type) .... 108
Exhibit 101: Dashboard: Health Status Score in Industry (all region type) ........................ 109
Exhibit 102: Dashboard: Financial Status Score in Industry (all region type) .................... 109
Exhibit 103: Dashboard: Socio-Economic Status Score in Industry (all region type) ......... 110
Exhibit 104: Dashboard: Health Status Score in Service Sector (all region type)............... 110
Exhibit 105: Dashboard: Financial Status Score in Service Sector (all region type) ........... 111
Exhibit 106: Dashboard: Socio Economic Status Score in Service Sector (all region type) 111
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Gorakhpur District
Preface
This report is a result of a combination of studies conducted across the district of Gorakhpur,
followed by a use of various data analytics tools designed to analyze the study outputs in the
context of the district, created through algorithms supported by secondary research and
primary sampling.
The core aim of the report is the come up with a well-designed policy recommendation plan
for the improvement of the unorganized sector, backed by data driven results and aided by a
deep study of policies across the world in similar scenarios. In order to do so, the report also
provides various critical data outputs that can be used by various departments for relevant
planning and decision making, besides the recommendations generated in the report.
The best way to read this report is to read it in sync with reports of other districts of the state
of Uttar Pradesh, as it will help draw proper comparisons and also help in state level policies,
along with cluster-level reports (reports combining clusters of districts based on outputs from
various districts). The overall state level report shall also be made a part of the reports for the
unorganized sector and will provide more perspectives to the reading of this report.
The team involved in this report include enumerators and their supervisors, responsible for
going on-ground survey work and collecting data in a pre-planned manner, that was derived
based on the work by a team of secondary researchers, who helped create the templates
needed by the enumerators for an effective data collection and also gathered data useful for
designing the set of questions asked in the survey, using a team of economic experts and
survey designers. The data from the survey was made intelligent through a combination of
algorithms created by domain experts combined with data analytics tools designed by data
scientists and developers. More importantly, this marks the start of a unique concept of digital
survey or census that was done using an Android based mobile application with novel
methods of auditing integrated with the same. The team was led by policy making experts
including world leaders who contributed towards the planning of the policies derived out of
intelligent data analytics.
The report starts off with a summary of the recommended policy and the methodologies and
steps used to reach there. It then has multiple chapters that help in providing a detailed
explanation for various points mentioned in the summary. The chapters cover more data
outputs that can be used for creating new aspects within the recommended policy and help
improve its execution plan further.
The report is also accompanied by a dashboard meant for administrators, that can be used by
them, for a much better visualization of various conclusive data points. The dashboard is
designed along with GIS mapping, thus staying true to the core objective of the report of
providing hyper-localized suggestions.
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Gorakhpur District
1. About the report

1.1. Steps to the Report
● Secondary Research
○ Data from Economic Census
○ Data from Population Census of 2011
○ Data from ILO reports
○ Data gathered from media reports
○ Data from white papers by non-governmental organizations
○ Data from Google Maps (showing various establishments)
○ Ministry of Housing & Urban Affairs, Govt of India reports
○ Finance Commission Reports
• Secondary Research Extrapolation
○ Scientific Assumptions Factors (derived from above mentioned data and other data)
- Growth Rate
- % of unorganized sector in the total working population
- Overall Gender Ratio of working population in urban areas and rural areas
○ Application of Assumptions to extrapolate secondary research data to current times
○ Locality Level Derivation: Deriving data gathered from extrapolation to a locality level
information, based on secondary data plus on-ground research on a locality level
(extensive use of Google Maps)
○ Preliminary Primary Survey (across India): A small sample survey was done for
members of the unorganized sector from different parts of India and extraction of data
from respondents in places like Gorakhpur was done.
● Sampling
○ Establishing “Households” as the base
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Gorakhpur District
○ Application of Sampling Formulae on a Locality Level, based on a concept of “level of

focus”
○ Sample = Sum of minimum sample across various localities, where local sample is
calculated based on random sampling formulae with confidence level decided based
on “level of focus” which is effectively a function of level of distribution of activities
○ List of Rules defined for on ground level survey:
- Rules on the kind of distribution that is expected
- List of Red Alerts to be evaluated daily (where numbers go extremely different

from expected secondary numbers)
○ Details of Sampling Methodology is provided in Chapter A: Definitions &

Methodologies
● On-ground Survey (based on Sampling)
○ 25 enumerators deployed for Gorakhpur
○ Survey collection done based on instructions provided at the time of Sampling
○ Daily Review of data based on which enumerators were instructed to improve
○ Multi-layered Audit
- Audit based on deviation from Secondary Research: such information was not
removed directly, but additional checks were done, and improvements were
suggested
- Audit based on “Repeat data” or grossly inconsistent data within the same record:
Such data was removed after one level of audit (based on set rules)
- Audit based on excess “Null” records
○ Final Cleaning of Data
● Data Normalization
○ Combining Data for better results (at the time of questionnaire formation itself,
questions were framed to gather data through multiple fields, that can be combined
later for outputs; for example, monthly income as well as household income, use of
income and expenses to know level of need)
○ The technology ensures normalised data, but one round of check is done.
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● Extrapolation
○ Secondary Research data is taken to know how to extrapolate
○ Location Weight Calculation: This is needed to account for irregularities in collection of

data at locality level; it is calculated to provide different weights to different localities
based on the amount of surveys done and expected number of surveys from the area.
○ Calculation of the most significant driver
- Coefficient of Correlation (geometric mean of regression coefficients) was

calculated for various variables, with an attempt to find the variable that is the
most significant driver
- The most significant driver variable was calculated and used as an anchor for
further calculations of extrapolation
○ Extrapolation done based on sample data vs secondary research data, keeping the base
as the variable that is the most significant driver
○ All extrapolated data was calculated for various datasets (multiple datasets were
calculated first, based on demographic filters, and then extrapolation applied for all
variables within the dataset one by one for each)
○ This entire formula has been automated for the dashboard.
○ Extrapolation Methodology is briefly explained in Chapter A: Definitions &

Methodologies
● Analytics on extrapolated numbers
○ Basic analytics is performed on extrapolated numbers
○ Comments are provided for each such output
○ Suggestions are part of the comments
● Defining Health Status Score
○ Review and Research of existing Indices (this is explained in Chapter A: Definitions &
Methodologies)
○ Derivation of relevant Indicators
○ Use of the finalised Indicators for calculating Scores
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Gorakhpur District
○ Purpose and Definition of Health Status Score
- Purpose: The Health Status Score is calculated to know those citizens (or workers
in the unorganized sector) who are either currently not happy with their current
health status or are bound to face dissatisfaction in the short term. The end goal
is to help create the right policies (in the context of the work), hence the purpose
of score must be level of satisfaction as a function of perception and available
facilities at the workplace
- Indicators: Defined in Chapter A: Definitions & Methodologies
- Definition: Health Status Score reflects the health status of workers in the
unorganized sector according to their perception of the same and the impact of
their workplace in the same.
● Defining Financial Status Score
○ Review and Research of existing Indices (this is explained in Chapter A: Definitions &
Methodologies)
○ Derivation of relevant Indicators
○ Use of the finalised Indicators for calculating Scores
○ Purpose and Definition
- Purpose: The Financial Status Score is calculated to know how many workers in the
unorganized sector are satisfied with their existing financial status and are
confident enough to not need an immediate intervention by the government.
- Indicators: Explained in Chapter A: Definitions & Methodologies
- Definition of Financial Status Score: Financial Status Score is the reflection of the
part of the population that needs additional support for a satisfactory livelihood.
For example, a score of 0.3 reflects 70% of the unorganized sector working
population is in such need.
● Defining Socio-Economic Score
○ Purpose and Indicators: The Health Status Score was an indicator for social status (as
used in various other SEI formulae), the financial status score is also included, and a
new factor called Employee Satisfaction Score is considered.
○ Employee Satisfaction Score:
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Gorakhpur District
- This is a perception driven survey-based calculation of % positive employee
- The satisfaction level is calculated only for areas that are directly relevant to socio-
economic conditions in the unorganized sector
- The benchmarks are taken based on satisfaction benchmarks provided by leading

employer survey companies (GPTW, Gallup, etc)
○ Definition: Socio-Economic Score reflects the part of the population of the unorganized
sector that needs policy interventions on socio-economic levels.
● Calculation of Scores
○ Based on the above-mentioned definitions, all scores are calculated using algorithms
connecting the said indicators
○ Focus is on % positive population with the core aim of being able to create policies out
of the same.
● Benchmarking of Scores
○ Comparator without Benchmarks: In the current report, scores are to be a comparator

between each other, a comparator across demographics and various other parameters
and filters. For the purpose of internal comparisons, no benchmarks are needed.
○ Calculation of Benchmarks: State level benchmarks for district level comparisons will
also be calculated once other districts are also brought under evaluation.
○ International Benchmarks: “Health Satisfaction Surveys” across the world have been
considered for comparing the health status scores of parts of Gorakhpur with the
western world. The same indicators are not used, but a comparison because of
similarity in core definitions and purpose. For example, Serbia has a 55% satisfaction
level when it comes to health (as per government sponsored surveys). These
benchmarks need additional analysis.
● Policy Recommendations
○ Multiple Solutions for each major Conclusion
- Conclusions are analysed to create multiple policies (one or more solutions for
each major conclusion)
- Each solution is presented to the expert committee and its feasibility in the context
of the district of Gorakhpur is evaluated
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Gorakhpur District
○ Combined Policies
- Solutions are brought together to create a few policies within the context of the
district of Gorakhpur
- Organized Sectors are studied to see which of the shortlisted policies can help
unorganized sector workers become organized
○ Final Policy
- Based on the shortlisted policies, a final policy is proposed
- Detailed financial plan for the policy is designed
○ Activity Level Recommendations
- All activities and sectors are mapped to skill-based activities (through an algorithm
created for the purpose and in use by a Government of India initiative)
- Special micro-policies are made for each such activity, keeping in mind the focus
of helping the unorganized sector grow
- The micro-policies are merged with the final policy
● Dashboard and Final Policy Plan
Based on the above-mentioned steps, a final policy plan has been created along with a
dashboard that provides a deeper insight into various data points that can help enhance
the policy plan further.
1.2. Limitations in the Report
• Impact of COVID during the survey- This limitation has also got its advantages, because
the report must be seen in the perspective of the new world, where there may be
significant changes from the previous data points captured during the pre-COVID
times. But due to the COVID, there may be a few temporary data points that may have
been unfairly skewed. We have tried to use secondary research to cover for any such
expected errors, but we need to be aware of the limitations, especially with those
businesses that were prominently, yet temporarily, impacted by the lockdown.
• The final report will be accompanied with a detailed dashboard that will be hosted on
https://upecocensus.org that will be accessible to administrators. This dashboard is a
work in progress and will be a critical part of the final report as it will give multi-layered
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analytics across various filters. Screenshots of the dashboard shall also be made a part
of this report (or its extension).
• Margin of Error: The expected margin of error in extrapolation is 5% (taken at the time
of sampling). Additional margin of error in on-ground data collection is 5%. The
combined margin of error for various scientific assumptions taken in the secondary
research is around 10%. Hence the margin of error in final numbers can go up to 20%.
The overall expected margin of error is around 10%. The impact of margin of error is
minimized to a negligible level through use of trends and conclusions with minimum
margin of error, for any purpose of policy recommendation. The margin of error in
trends used for policy recommendations is expected to be less than 5%.
• This report focuses on a few major data points and limits the recommendations to
those data points. If something is missing but needed, the dashboard needs to be
referred for the purpose of detailed planning. But for the purposes of effective
presentation, we have not included multiple data points and focused on the ones that
are the most relevant.
• Child labor data is not included as on-ground surveys have not given enough outputs
to conclude the same. GST data is not included as well. Heat Maps with information
on clusters etc. shall be shared at the time of final report along with the GIS enabled
dashboard.
• When the other districts are also done, a combined report shall also be created. There
will be a detailed report for each district, along with a combined report for clusters of
districts, and a mega report for the state, besides the dashboard. This combined report
will be even more intelligent in terms of policy recommendations, as the kind of
actions needed here also require macro-economic intervention for a sustained impact.
Such macro-economic interventions will be recommended along with other districts.
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Gorakhpur District
2. Policy Recommendation
2.1. Policy Name & Summary
Mukhyamantri Accelerator plan for Unorganized Sector (MANUS/मानस)
Objective: Drive Unorganized Sector workers into the organized stream through special
monthly credit card scheme driven by digitization and personalized recommendations for
growth.
Why Accelerator: Accelerator is a term commonly used in the venture capital ecosystem,
signifying a platform that provides money as well as guidance and mentorship for growth,
which is the core of this policy.
Use of the word Accelerator in English is for attracting interests from CSR funds as well, while
the Hindi word मानस is to signify the focus that this scheme also acts as the guiding brain for
the unorganized sector.
Gorakhpur district has a good mix of urban, semi-urban, and rural regions, and based on its
digital penetration, it is undergoing a transformation, that can be accelerated through this
policy that solves all its critical issues.
2.2. Critical Issues
Here we list down the most critical issues that need to be solved through this policy (for
Lucknow District):
Exhibit 1: Critical Issues
TYPE OF ISSUE EXTENT OF ISSUE (QUANTIFICATION)
Taking Loans for non-accredited sources 167087 number of unorganized sector

(problem of higher interest rate, lack of members have been desperate enough to
structure) look for sources other than banks, in the
Gorakhpur district. This number is very high
as compared to some other districts of the
state, and reflects both the transformation
happening in the district, as well as the need
to have a well guided transformation
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Gorakhpur District
Large Unemployability / Limited 337796 is the expected number of

Employability in the Migrant Population of unorganized sector household population
the unorganized sector where there has been a migration in the last
6-8 months (including reverse migration)
and there is a clear lack of any form of active
job.
Not having access to any type of loan or 58940 is the expected number that can be
debt that can be used to improve financial touched for providing loan access. This
situation number is not so high, which means some
form of financing is available to the
unorganized sector.
Poorer Financial Status in the Urban Areas Overall, unorganized sector in rural areas is
as compared to Rural (though it’s the more than 20% more financially satisfied
opposite with respect to Industries) than those in the urban and semi-urban
areas, showing an unconventional trend,
but also reflecting a need to have better
coordination between all areas of
Gorakhpur, in generating a consistent
experience.
Industries in Rural Area is around 12% lesser

in terms of financial satisfaction as
compared to Industries in Urban and Semi-
Urban Areas. With a large population of
unorganized sector belonging to rural areas,
special focus is needed for the building and
supporting small scale industries in rural
areas.
Low Monthly Income (significant difference Rs 8216 is the average (the average income
compared to organized sector) is similar to most other districts, and clearly
shows a scope for improvement
High Monthly Expenses (significant as a % ~Rs 5015 are the expenses; overall financial
of the earning) satisfaction is not very bad, but there is a
clear scope of improvement with respect to
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Gorakhpur District
the expenses, especially for the large self-

employed or free agent workers.
The most negatively impacted segment • Working in Services in Urban and

financially Semi urban area (Financial Status
Score*= 0.375)
• Working in Services in Rural Area
(Financial Status Score= 0.333)
The services sector is the most impacted in

Gorakhpur when it comes to financial
satisfaction. Special focus may be needed on
the same.
*the Score is a derivation of various types of Indices and is to be

considered an independent data point that cannot be used for
direct comparison with the indices
The most negatively impacted segment • SC/ST Community working in rural

health-wise areas show the lowest health status
score of the lot (~0.59)
Activities with maximum number in the The types of jobs are well distributed in
unorganized segment Gorakhpur
The segment of users that do odd jobs,

regular errands, daily uncontracted works,
form the biggest segment for Gorakhpur.
This segment can be made productive
through proper skilling and better
involvement in the mainstream organized
activities.
What is it that the Unorganized Sector wants the most?
Based on an evaluation of issues and direct questions to the members of the unorganized
sector on what they want the most, better financial assistance came across as the biggest
need, especially in the current times; despite the overall financial status being good. This
expectation varied across demographics, and our evaluation shows consistency is the need
for Gorakhpur district, and hence policies need to be designed on a granular level for better
impact and levelling across demographics and sectors.
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Gorakhpur District
The following solutions look at the various issues and try to provide a solution for each.
The policy plan is then made through an intelligent combination of the proposed
solutions.
2.3. Proposed Solutions
Exhibit 2: Proposed Solutions
TYPE OF ISSUE SOLUTIONS
Taking Loans for non-accredited sources Special Credit Scheme (powered through
(problem of higher interest rate, lack of government, supported through banks and
structure) NBFCs)
Large Unemployability / Limited Employment Generation in form of

Employability in the Migrant Population of incentives for self-employment is needed,
the unorganized sector and the same can be possible through initial
financial credit in helping set up new
businesses, that can later move into
organized segment
Not having access to any type of loan or Special Credit Scheme (powered through
debt that can be used to improve financial government, supported through banks and
situation NBFCs)
Poorer Financial Status in the Urban Areas Special focus on rural areas while making
as compared to Rural (though it’s the the plan, with digitization penetration
opposite with respect to Industries) needed in rural areas.
Low Monthly Income (significant difference Push towards digitization will increase
compared to organized sector) numbers
High Monthly Expenses (significant as a % The Credit Scheme should be designed to

of the earning) provide special help for raw materials
The most negatively impacted segment Activity-wise distribution (focus only on the
financially main source of income) while giving out
16
Gorakhpur District
credit, with recommendations for activities

The most negatively impacted segment and special benefits for those
health-wise recommendations
(See
Chapter E: Operations under

Recommended Policy)
Activities with maximum number in the The kind of activities show that there is a lot
unorganized segment of scope of new jobs involving localization.
Hence the credit plan should support
localization.
2.4. Operations
• Tie-up
o Tie-up with banks and NBFCs or other accredited institutions for distribution of funds
o Funds needed to the tune of Rs 135 crores for the district of Lucknow
Exhibit 3: Operations
Number without loans or loans from unaccredited sources 226027
Number with loans expected to shift to this scheme (10%) 45590
First Line of Credit 5000 Rs
Total Initial Value 135,80,381,500 Rs
o Interest Rate Subsidy by the Government: The plan is to provide interest rate on the
said credit at the rate of 8%, and the gap (gap between expected interest rate as per
the credit rating-based evaluation of the borrower and the actual interest rate) shall be
subsidized by the government. The value of the said interest rate is subject to
discussions, and it has been designed keeping in mind the Central Government package
for MSMEs as well as the interest rate charged by non-accredited lenders, while making
it attractive enough for those not seeking loan to also participate for their growth.
• Card
17
Gorakhpur District
o Issue of a pre-loaded card to every applicant to this accelerator scheme

o The pre-loaded card has a value of Rs 5000
o The value can only be utilized against digital payments, so that full tracking is there
o The re-payment can be done any time after 1 month and every month, the card value
is loaded back to Rs 5000, if any re-payment is already done.
o This effectively ensures Rs 5000 per month per person always available for usage.
2.4.1. Micro-level Subsidies
• Subsidies
o The interest rate will be subsidized by the government
o Let us target a low interest of 5% per annum post subsidization (exact value will be
frozen during the tie-up)
o Special purchases using the card will be subsidized by the government
- For example, clean cooking systems for those involved in the activity of cooking
- A full list of such recommendations shall be prepared and constantly improved,
based on regular data inputs (initial list shall be updated in
18
Gorakhpur District
- Chapter E: Operations under Recommended Policy)

• Supports Local Purchases
• Supports Innovative Products that can help in the long term
• Supports indigenously available methods
o Special Recommendations shall be provided to the card user to improve their earning
- For example, upskilling recommendations may be provided based on the activities
and the usage of card
o See
19
Gorakhpur District
o Chapter E: Operations under Recommended Policy Special Rates for Women

Entrepreneurs
- Data shows women are actively involved and are in need of additional support
(poorer in health status score)
- Special rates can be provided for women entrepreneurs across all activities
o Open Banking APIs
- The card will have open banking APIs
- This will allow many more stakeholders to get involved with the unorganized
sector
- Based on data provided by open banking APIs, additional subsidies through private
bodies can be provided
2.4.2. Goals
• Additional unsubsidized loans and micro-financing

o Based on repayment patterns and the kind of spending, open banking APIs can be
exposed to various lenders.
- All major banks and approved lenders can be provided the required analytics as
well as the raw data for analytics (with anonymization)
- This will increase the credit potential for the unorganized sector workers
o The “card” will remain the basis of these additional loans as well
• Movement to Organized Sector
o We expect a segment of this unorganized sector to move to organized sector, through
continuous guidance and recommendations provided to them
o Benefits of being organized will be conveyed, based on analytics driven by their usage
of the card
2.4.3. Partners
• Use of local ambassadors driven by women

• Use of contractors/vendors that have previously worked on Jan Dhan Schemes or
worked with Banking Correspondents
• Use of digital trainers (to help in digital usage of card)
• Use of systems/software that help digitize the processes
The Partners’ Plan is shared later in
20
Gorakhpur District
Chapter E: Operations under Recommended Policy
2.4.4. Eligibility
• Individuals who work in the unorganized sector either as self-employed individuals or

as the co-owner of a setup that is not structured. Officially, any unincorporated unit
with less than 10 members is considered part of the unorganized sector.
• User of Direct Benefit Transfer (DBT): Only those individuals/entities that use any of
the benefits under any of the DBT schemes of the Government of India will be
considered. If any applicant is not a user, they will be asked to go through the process
of becoming a user.
Purpose: The main purpose of doing the same is to reduce credibility issues and help
ensure better repayment expectations.
2.5. Success Indicators
• Addition of entities to the Organized Sector

o Mode of Measurement:
- Number of incorporated or registered entities (increase in the same)
- Re-survey of selected sample
o Frequency of tracking this: Quarterly
• Increase in overall GDP of the state

o Increase in GST Collection:
- Mode of Measurement: GST value from the newly incorporated entities
o Increase in Investments in the state:
- Mode of Measurement: Total investment in activities considered to be
prominently in the unorganized sector
o Other GDP measurements
o Frequency of tracking this: Quarterly
• Improvement in financial status of Unorganized Sector

o Increase in average monthly earning
- Mode of Measurement: Re-Survey
- Frequency of tracking this: Quarterly
o Increase in sourcing of raw materials locally
- Mode of Measurement:
• Re-Survey
• Details of Transactions of those using the Manus Card
- Frequency of tracking this: Monthly
o Additional Credit available from other banks
- Mode of Measurement: Data of additional loans
21
Gorakhpur District
• Total number of Applicants of the Card

o Cumulative Number of applicants
- Mode of Measurement: maintain the count through a dashboard
- Frequency of tracking this: Daily
- Target: Try to cover 100% of eligible and needy users
o Number of Monthly Active Users
- Mode of Measurement: Dashboard
o Average amount of transaction done per month
- Mode of Measurement: Dashboard
2.6. Measures
Short Term Measures:
Exhibit 4: Short Term Measures
KPI Milestone 1 Value Milestone 2 Value Milestone 3 Value
Number of 50,000 100,000 270,000

Applicants of Card
Average Cumulative 4,000 4,000 4,000

Monthly
Transaction Value
Timeline Within 2 months of Within 3 months of Within 5 months of

launch launch launch
Medium Term Measures:
(at the end of the first year of the initiative launch)
(basis of the numbers is projected result of efficient execution)
22
Gorakhpur District
Exhibit 5: Medium Term Measures
Success Indicator Value Basis of calculation of Value
Number of new entities 27000 10% of total number targeted

added to the Organized for the Card
Segment
Expected Direct Increase in 100% of earning from the newly

GDP of the district for the converted organized sector
following year (due to the Rs 1794 crores entities +
unorganized sector)
50% of spending from still

existing unorganized sector
entity (as a large part of their
work will be digitized through
card; this number may be
different for other districts apart
from Lucknow) +30% growth
due to Manus recommendations
(for associated entities),
specially the use of subsidized
entities that will also lead to
improved health and hence
improved productivity.
Increase in average monthly By approximately 10% Overall, financial satisfaction is

earning of the overall to around Rs 9037 high, hence a 10% increase is a
Unorganized Sector practical target, unlike 20%
increase planned for districts
like Meerut where the financial
satisfaction is already very low
Long Term Measures:
A 5-year plan of further growth can be made. It is in progress.
Threats & Challenges
23
Gorakhpur District
• Risk: Low number of individuals who become eligible for this or who choose to get
digitized for the process.
Mitigation: Our initial trends show that some form of digitization has penetrated into most of
the households (exact data shall be shared post new survey that is going on). Hence, chances
of digitization being a major risk is low, if proper solutions and support designed specifically
for this community (based on the survey) is provided. If the eligibility is low, we will need to
work on a parallel step of getting their credibility verified as expected by the eligibility criteria.
• Risk: Low number of cases doing re-payment of the credit
Mitigation: The overall impact of the first Rs 5000 on the economy is also considered to be
high, hence absence of timely re-payment can be handled through adjustment in other
benefits given to the user.
2.7. Timeline
The timeline has been designed through an interaction with various potential partners that
are expected to be involved in the said activities. The mention of partners is there to provide
an understanding of the same, and it is proposed that any relevant partner can be chosen if
they stick to the said timelines as well.
Week 0: The entire detailed project plan with clear understanding on the type of activities
needed in different parts of the region is ready.
Exhibit 6: Timeline for Execution
Task Timeline Possible Partners
Appointment of On-ground Ambassadors Week 4 • SEWA (to activate

across the district of Gorakhpur (as per women leaders)
various regions and the expected number
of potential applicants in each region)
Appointment of a Vendor who can involve Week 2 • UFS

Banking Correspondents (or similar • Use of Government
profiles) for on-ground reach of India body TIFAC
(discussions already
begun)
24
Gorakhpur District
Readying the back-end functioning of the Week 10 • Use of UPI Partners

Card along with required Software to
manage the entire process (designing,
coding, printing, linking to Aadhaar,
linking to UPI, etc.)
Readying the dashboards for program Week 12 (if it

administrators, to manage the program moves in
and do an audit trail for each applicant parallel with
other
activities)
Marketing Collaterals for branding the Week 8

entire exercise so that it reaches out to
those who need the same
Appointment of partners who can provide Week 12 • Business and

tools that can digitize the business Accounting
processes of the entities, once they Automation
become part of the program. Software (Accloud is
a company that has
agreed to provide
their software free)
• Other software
willing to fund this
through their CSR
budgets, making the
entire digitization
process free of cost
for the users
Creation of tools that work with Week 12 (in

WhatsApp and other partners, to create a parallel with
formal channel of communication with the
those who are getting onboarded dashboards)
25
Gorakhpur District
Creation of simple training materials, that Week 12 • Digital Training Agencies

can help and guide the participants and Platforms (easily
without any technical complications accessible through
mobile or WhatsApp)
Partnership with fund distribution Week 4 • Bank of Baroda-UPICO

agencies Partnership
• SIDBI
• Foreign Banks and
Funders (they can
operate through a local
partnership)
In around 12 weeks after making the entire project plan, the program will be ready for a grand
launch aimed at economic revival. The KPI Targets after launch is mentioned above.
26
Gorakhpur District
3. Chapters
Chapter A: Definitions & Methodologies
Several methodologies used here is created for the first time, and its freshness is a result of
the need of the specific context of unorganized sector during and post the COVID crisis.
Despite the use of new methodologies, they are all intelligent derivations of existing
processes.
3.1.1. Definition of Unorganized Sector
A household in the unorganized sector means either of the following:
• Earning member of the household works in a company (or a set of companies) where
they are employed in an informal manner, without being on payroll;
• Earning member of the household has their own set-up that has less than 10 number of
employees and is not registered or incorporated in any government database for
entities.
3.1.2. Sampling Numbers
Steps:
1. The first step is to divide the districts into multiple regions. Initially, the division is
based on official divisions such as zones and wards.
2. In Gorakhpur, the division was based on zones within Municipal Corporation area and
NP areas.
3. Each such demarcated region was then studied through secondary research and a
distribution of unorganized sector, across types of enterprises or households, was
done.
4. Such stratification was done based on approximate input points- number of
households, number of slums, number of shops, number of educational institutes,
number of small industries, number of construction sites, number of hotels and
restaurants, number of health centers.
5. The above-mentioned inputs were used to divide every region into “Very High Focus
Area”, “High Focus Area”, “Medium Focus Area”, “Low Focus Area”. The level of focus
was a function of extent of distribution across “types” as mentioned above. For
example, an area that only has educational institutes and does not have a good
distribution of other types, but has decent number of households, becomes a medium
focus area. In some cases, regions were sub-divided into smaller regions based on level
of focus.
6. Now, based on the number of households expected to have unorganized population
representation of some kind (a member working in an unorganized entity or self-
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Gorakhpur District
employed unorganized workers or a member working in an organized entity in an

unorganized manner), sampling was done for each region.
7. For sampling, Simple Random Sample method using Confidence Level was used. While
putting the value of confidence level, the Very High Focus and High focus areas were
given the level of 99%, the Medium Focus Areas were given the level of 95%, and the
Low Focus Areas were given the level of 90%.
8. Based on the above, minimum samples needed were frozen for each region.
9. Now, each region was divided into localities. And, there was an equal distribution of
expected number of forms from each locality.
10. Each locality was given a weight based on secondary research which pointed out
certain clusters in certain localities. These localities were called Critical Focus Areas,
and a multiplication factor based on weight of criticality was provided.
11. Now, the sum across all localities became the total sample that needed to be
collected. The on-ground team was asked to remain as close to the actual numbers
per locality as possible. The targets given to the on-ground team were inflated by up-
to 40% to allow a scope of error.
12. The on-ground team was instructed to not just choose the sample randomly, but keep
in mind stratification of sample. This was ensured by a Daily Audit, where “Sample
Quality Check” was done.
13. Sample Quality Check was based on anomalies in actual results from the expected
results; and according to the same, daily instructions on how to keep the sample truly
random (which means following the probabilities of expected strata) were given.
Exhibit 7: Sample distribution for Gorakhpur
REGION (Divided Based on SAMPLE (Step 7) RELEVANT CONFIDENCE

Steps 1-5) HOUSEHOLDS LEVEL
POPULATION (Step 6)
VERY HIGH FOCUS AREAS 4233 2,543,049 0.99
Gorakhpur (M Corp.) 424 673,446 0.99
Campierganj (Rural) 424 274,914 0.99
JangalKodia (Rural) 424 235,235 0.99
Chirgawan (Rural) 423 186,787 0.99
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Gorakhpur District
Bhathat (Rural) 423 193,535 0.99
Khorabar (Rural) 423 190,891 0.99
Brahmpur (Rural) 423 193,681 0.99
Khajani (Rural) 423 196,763 0.99
Uruwa (Rural) 423 202,021 0.99
Belghat (Rural) 423 195,776 0.99
HIGH FOCUS AREAS 423 188,645 0.99
Pipraich (Rural) 423 188,645 0.99
MEDIUM OR LOW FOCUS 417 1,709,201 0.95 & 0.9

AREAS - Combined
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Gorakhpur District
FORMULA USED for Simple Sampling (as per Step 6):
Critical Value was calculated for Confidence Level as per the following method:
Step 1: Subtract the confidence level from 100% to find the α level: 100% – 90% = 10%.
Step 2: Convert Step 1 to a decimal: 10% = 0.10.
Step 3: Divide Step 2 by 2 (this is called “α/2”).

0.10 = 0.05. This is the area in each tail.
Step 4: Subtract Step 3 from 1 (because we want the area in the middle, not the area in the
tail):1 – 0.05 = .95.
Step 5: Look up the area from Step in the z-table. The area is at z=1.645. This is your critical
value for a confidence level of 90%.
Formula applied:
Critical Value= C Value
Expected Population %
=ROUND((C Value)^2*(Incidence Level*(1-Incidence Level)/(Margin of

Error^2))/(1+(Population^2*(Incidence Level*(1-Incidence Level)/(Margin of
Error^2))/G2)),0)
Incidence Level was taken based on the expected population out of the relevant population that
would fit within all our criteria during survey, and margin of error was taken as 5%. Extrapolation is
done keeping Incidence Level as well as new Weights generated out of the sample data received
(Extrapolation methods will be shared later).
Total Minimum Sample Needed= 5073
Based on numbers mentioned above and following Steps 8-11, following targets were given
to the enumerators. The targets for each location are higher than the minimum sample
needed, hence lower actuals in certain regions is accepted.
30
Gorakhpur District
Exhibit 8: Final Location Report
District Cluster Location Name Forms Forms

Code Code Code Expected Submitted
148 148001 1480001 Pipiganj(NP) 11 1
148 148001 1480002 Sahjanwar(NP) 41 8
148 148001 1480003 PiprayliBujurg(CT) 11 6
148 148001 1480004 Gorakpur(M.Corp.) 424 110
148 148001 1480005 Pipraich(NP) 11 0
148 148001 1480006 Harsewakpur(CT) 11 2
148 148001 1480007 Janglhakeem 11 1

No.2(CT)
148 148001 1480008 Bargo(CT) 11 3
148 148001 1480009 Lahsari(CT) 11 0
148 148001 1480010 Air Force Area(CT) 11 1
148 148001 1480011 Mundera (NP) 11 0
148 148001 1480012 Bansgaon 41 4
148 148001 1480013 Gola bazaar(NP) 11 2
148 148001 1480014 Barhalganj(NP) 11 1
148 148001 1480015 Campierganj(Rural) 424 4
148 148001 1480016 Jangalkodia ( Rural) 424 5
148 148001 1480017 Pali(Rural) 10 2
148 148001 1480018 Sahjanwa(Rural) 10 2
148 148001 1480019 Piprauli(Rural) 10 2
148 148001 1480020 Chirgawan(Rural) 423 22
148 148001 1480021 Bhathat(Rural) 423 0
148 148001 1480022 Khorabar(Rural) 423 10
148 148001 1480023 Pipraich(Rural) 423 24
31
Gorakhpur District
148 148001 1480024 Sardarnagar(Rural) 41 1
148 148001 1480025 Brahmpur(Rural) 423 6
148 148001 1480026 Khajani(Rural) 423 9
148 148001 1480027 Uruwa(Rural) 423 9
148 148001 1480028 Belghat(Rural) 423 1
148 148001 1480029 Bansgaon(Rural) 10 3
148 148001 1480030 Kauri Ram(Rural) 41 3
148 148001 1480031 Gaugaha(Rural) 41 3
148 148001 1480032 Gola(Rural) 41 2
148 148001 1480033 Barhalganj(Rural) 10 1
Total 5073 5321
Sampling was done at the start of the survey and during the on-ground data collection
process, it was learned that certain locations represent the other locations more significantly.
Therefore, there are certain locations where the number of forms expected is more than the
collected.
32
Gorakhpur District
3.1.3. Extrapolation Methodology
Secondary Research Inputs needed for Gorakhpur District (Urban and Semi-urban):
1. Total number of expected households with a family member in the unorganized sector
(Th)
2. Total number of expected units in the unorganized sector (Tn)
3. Total number of self-employed workers (with no other employees) in the unorganized
sector (Ts)
4. % of Males in the Population (mP)
Primary Research Outputs for Gorakhpur District (Urban and Semi Urban):
- Total Audited Sample Collected – Sh
Calculation of Location Weight (LW):
• At the end of each survey, location weight is calculated

• Location weight is the weight for one location based on the number of survey forms
collected in a location vs expected
• TLW= MAX (Total number of forms collected in a location/Expected number of forms
in a location, 1)
Process:
1. First, make sure that all samples have their gender data filled, since gender was found
to be the most significant driver for the important parameters, as per correlations.
2. Based on what output is needed, apply required filters. The total number of samples
that remain after applying filter is S.
3. Calculate the total number of Males in this Sample, let’s call it M.
4. Now after applying filters, for knowing the actual numbers for any column (say
column C), the following process is applied (let’s say the column has following
possible values C1 to Cn):
• Further apply the filter of Males, get the total number of entries of C1 under ‘Males’
• SLW= Σ (1-LWn)/n, where n is the total number of rows
• NLWn=IF (LWn=1,1+SLW,LWn)
• Absolute Number of values of C1 under ‘Males’= Σ {(Total entries with C1)/(Total
entries with any value from C1 to Cn, but not blank) *
IF(M/S>0.9,M/S,mP)*(Th/Sh)*S}*LWn
• Now apply the filter of other than Males, get the total number of C1 under ‘Other than
Males’
33
Gorakhpur District
• Absolute Number of values of C1 under ‘Other than Males’= Σ {(Total entries with
C1)/(Total entries with any value from C1 to Cn, but not blank)*(1-
mP)*(Th/Sh)*S}*LWn
• Now, sum the above two absolute numbers
• The total number of cases with the value C1 in the given set of filters is the above-
mentioned Sum.
5. Calculate absolute number as required based on above steps for any level of filters.
3.1.4. Methodology for Health Status Score
Health Score as defined by NITI Aayog, Government of India:
It consists of 23 indicators covering key aspects of health care performance. The key indicators
are distributed across 3 domains: Health Outcomes, Governance and Information, Key Inputs
and Processes.
Following are the Indicators and their domains:
Domain: Health Outcomes
Exhibit 9: Indicator for Health Score
Indicator Definition Importance in the current

survey
Neonatal Mortality Number of infant deaths of less Nil (we are focusing only
Rate (NMR) than 29 days per thousand live on health status in the
births during a specific year. context of workplace)
Under-five Mortality Number of child deaths of less than Nil (we are focusing only
Rate (U5MR) 5 years per thousand live births on health status in the
during a specific year. context of workplace)
Total Fertility Rate Average number of children that Nil (we are focusing only
(TFR) would be born to a woman if she on health status in the
experiences the current fertility context of workplace)
pattern throughout her
reproductive span (15-49 years),
during a specific year.
34
Gorakhpur District
Proportion of Low Birth Proportion of low birth weight Nil (we are focusing only
Weight (LBW) among (<2.5 kg) new-borns out of the total on health status in the
new-borns number of new-borns weighed context of workplace)
during a specific year born in a
health facility.
Sex Ratio at Birth (SRB) The number of girls born for every Nil (we are focusing only
1,000 boys born during a specific on health status in the
year. context of workplace)
Full immunization Proportion of infants 9-11 months Nil (we are focusing only
coverage old who have received BCG, 3 on health status in the
doses of DPT, 3 doses of OPV and context of workplace)
measles against estimated number
of infants during a specific year.
Proportion of Proportion of deliveries conducted Nil (we are focusing only

institutional deliveries in public and private health on health status in the
facilities against the number of context of workplace)
estimated deliveries during a
specific year.
Total case notification Number of new and relapsed TB Low: Research shows that
rate of tuberculosis (TB) cases notified (public + private) per TB has correlations to the
1,00,000 population during a workplace.
specific year.
How do we account for
this: Instead of focusing
only on TB, our Scoring
relies on overall perceived
health status of the
respondents
Treatment success rate Proportion of new cured and their Low: Research shows that
of new treatment completed against the TB has correlations to the
microbiologically total number of new workplace.
confirmed TB cases microbiologically confirmed TB
35
Gorakhpur District
cases registered during a specific How do we account for

year. this: Instead of focusing
only on TB, our Scoring
relies on overall perceived
treatment quality by the
respondents
Proportion of people Proportion of PLHIVs receiving ART Nil (we are focusing only
living with HIV (PLHIV) treatment against the number of on health status in the
on antiretroviral estimated PLHIVs who needed ART context of workplace)
therapy (ART) treatment for the specific year.
Domain: Governance and Information
Indicators- Data Integrity Measure and Average Occupancy of an Officer- are not directly
relevant in the current scenario, as Health Status Score is the score representing positive
perception with regards to health status of people working in the unorganized sector, to be
derived in the context of their work.
Domain- Key Inputs and Processes
None of the indicators for key inputs are directly relevant for the health status score in this
context, as the score is not focused on measuring the processes followed by various
government bodies.
Health Score as defined by WHO:
WHO has various types of indices used for different purposes:
- Study of Health Indicators proposed by WHO in an urban context- Health Outcomes,

Mortality, Water Quality, Sanitation, etc are some of the common indicators
- WHO recommends that the indicators are relevant, valid, reliable, sensitive to
differences, clearly specified, and repeatable (so that they can be tracked over time)
- WHO recommends different indicators’ selection for different parts of the world
(indicators may be different from Brazil vs USA)
- The best way to read the health score is to read it for comparison within the same
demographics
As a global practice, it recommends usage of 100 core health indicators.
36
Gorakhpur District
The core health indicators are divided into various domains:
• Health Status
• Risk Factors
• Service Coverage
• Health Systems
In our context, “Health Systems” in the context of the workplace is the most relevant domain.
Following are the Indicators under Health Systems recommended by WHO:
Exhibit 10: Indicators under Health Systems recommended by WHO
Indicator Importance in the current survey
Various Mortality Rate Low: The mortality rate is not important but an equivalent
Indicators (Perioperative, information about mortality induced due to workplace
Maternal, etc) hazards must be considered.
How do we account for this: Through perceptions around

accidents in workplace
Various Success Rate Indicators Low: We are focusing only on health status in the context of
(ART Retention Rate, TB workplace
Treatment Success Rate)
How do we account for this: By knowing how happy people
are with the treatment they receive, happiness is a considered
a measure of success
Service Specific Availability and Medium: Since Health Status Score is about knowing the
Readiness happiness of people in the unorganized sector with respect to
their health, availability of service is an important indicator
WHO defines it as number of health facilities per 10000

population; but in our context we had to focus only on the
unorganized sector, and hence we take into availability of
primary healthcare services in or around the workplace.
37
Gorakhpur District
Service Utilization High: Level of utilisation is directly correlated to happiness

with respect to their health status
WHO defines it as number of OPD visits per person per year;

we have focused on the utilization being represented more
objectively, whether or not the subjects utilise health services
in their region
Health Service Access High: Access is a critical element to understand the overall
status
WHO defines it as percentage of population living within 5 km

of a health facility; since our focus is on unorganized sector,
we define it as the availability of service within the workplace
Other Service Indicators Low: Our focus is in the hyper-localized context of

(density of beds, essential unorganized work, hence such details are not needed
medicines, health worker
distribution)
Reporting Indicators (birth, Nil (we are focusing only on health status in the context of
death and other reporting) workplace)
Expenditure related Indicators Low: Consideration of family expenses on health is made, but
detailed expenditure of healthcare system is not needed
Important Indicators for the context of Health Status Score (according to the indicators
recommended by the NITI Aayog and WHO):
• Health Service Access

• Level of satisfaction with the utilization of such an access
• Safety rate in the workplace
• Overall satisfaction with the health care available
The above-mentioned broad indicators are calculated through a derivation of the following
indicators, created specifically for the purpose of this survey:
• Perceived status of health (known through survey)
38
Gorakhpur District
• Correlation between health and work (known through perceptions during the survey and
validated through external research of said activity)
• Availability of medical facilities at the workplace
Reasons for choosing the above indicators through a new methodology and not using the
standard methodologies directly:
• Localisation: The purpose of this survey is to get data from the level of locality and then
extrapolate the same for broad areas of the district. Many of the indicators recommended
by standard authorities do not consider such level of localisation. The localisation is done
to capture the unorganized market (most macro-surveys miss out this market, but this
entire exercise is for the market that is not organized and hence not easily accessible)
• Work focused: The health status is being calculated with the purpose of creating policies
for the unorganized sector. Such policies can be created if the status is considered within
the context of the work that the subjects are involved in.
• New Age Data: COVID has created a situation where the standard parameters for
understanding access to health may not be comprehensive enough to help create policies
for the unorganized segment, it’s important to base the policy making on actual
perception of health status by the respondents, thus creating a much stronger output
needed for policies.
• Benchmarking: We don’t recommend benchmarking or comparing these scores with any

of the other indices used by NITI Aayog or WHO, considering the vast difference in the
lead indicators used. The benchmarking of these scores should be done with the other
districts in the state and overall average for the state. Also, such perception-based
sampling is done for India as a whole and hence benchmarks for India can be derived from
there.
Calculation of Health Status Score
• Weight for each Parameter: Weight for each parameter was calculated, by putting in
random weights and running them through optimization algorithms with the aim to
achieve a correlation between the level of treatment (gathered from the survey) and final
score.
• % Positive for each Indicator was calculated. As mentioned above, the need of this score
is to focus on perceptions, so that the right policies can be made.
• Using the weight and % Positive, the final values were calculated.
• The calculated values were compared with various “Health Satisfaction Surveys” across
the world.
39
Gorakhpur District
3.1.5. Methodology for Financial Status Score
Financial Inclusion Score as defined by NABARD:
Financial Inclusion is a component that helps define financial status but is not fully
representative of financial status.
NABARD considered the following parameters before finalizing their indicators for financial
score.
Exhibit 11: Parameters by NABARD for Financial Score
Researchers Indicators Importance in the current

report
Beck, Kunt and 1. Access and possibility of use High.

Peria (2007) 2. Actual use
Actual Use is calculated through
the expenses in the household,
and access is known through the
access to loans and the amount
of savings that’s there.
Honohan 1. Payments Medium.

(2005)
2. Savings mobilization Savings mobilization is used, and
monitoring of usage of fund for
3. Monitoring of usage of funds the purpose of work is also
considered. Other indicators are
4. Transforming Risk
not found to be relevant.
The 1. Savings High.

Consultative
Group to Assist 2. Payments All Indicators are considered to
the Poor (2009) know the financial status in the
3. Credit unorganized sector.
4. Delivery
Sarma (2010) 1. Penetration Medium.
40
Gorakhpur District
2. Availability Penetration is known through

the extent of credit used by the
3. Usage subjects. Availability is
considered based on perception
of availability as per the
respondents. Usage is based on
the earnings and expenses data
for each subject.
Arora (2010) 1. Outreach Medium.
2. Ease Ease and Outreach are

measured through perception of
3. Cost the subjects about the same.
Cost is not considered directly.
Rahman (2013) 1. Convenient Accessibility High.
2. Take Up Rate These indicators are not directly

used but a derivation is used.
3. Responsibility in Usage Accessibility convenience is
known through the level of
4. Satisfaction Level
people using accredited sources
for funding as well as the level
needing funding. Data of
distribution of savings also show
accessibility. Take Up Rate is
indicative of the rate of people
using a particular financial
service, thus reflecting inclusion.
It is considered through the
amount of people using services
of the banks, in the unorganized
sector. Satisfaction Level is one
of our lead indicators, because
their level of satisfaction is
calculated to know their level of
inclusion.
41
Gorakhpur District
Gupte, 1. Penetration All points covered above

Venkataramani
and Gupta 2. Availability
(2012)
3. Usage
4. Ease
5. Cost
Kunt, Klapper 1. Formal Accounts Medium.

(2012)
2. Mechanics of Use Number of people using formal
accounts (services of a bank) and
3. Purpose number using alternatives
services reflect inclusion
4. Barriers
properly.
5. Alternatives
6. Penetration
Kunt, Klapper 1. Savings Behaviour High.

(2012)
Knowing how much saving is
there and how long will the
saving last, along with
knowledge of how the saving is
distributed (including an
understanding of liquidity in
savings) is important to know
financial inclusion, with inclusion
being an important element of
status.
Kunt, Klapper 1. Sources of borrowing Medium.

(2012)
2. Purposes of borrowing Loan data is used to understand
the status
3. Use of credit cards
42
Gorakhpur District
Kunt, Klapper 1. Use of Insurance Products Nil

(2012)
Insurance is not considered to

know the status, because of the
absence of insurance knowledge
in the unorganized sector as
shown by preliminary surveys
The above-mentioned indicators, along with indicators recommended by a few other

researchers (closely connected to the above) were used for the purpose of calculation of
financial inclusion by NABARD.
The final financial inclusion score by NABARD uses the following indicators: availability of
banks and ATMs, number of accounts per 1000 population, and access to insurance. The focus
of this survey is to not know the spread of banks but to know how satisfied the subjects feel
with their financial income and if they are in an immediate crisis. Hence these indicators are
not used directly.
Financial Indices used by RBI:
Financial Condition Score (FCI) and Financial Stress Score (FSI) both follow market data as
indicators to understand financial score.
Since we are talking about unorganized sector, market data is not a right reflection of their
financial status. Hence the Indicators used by RBI (Asset Price, Real Estate Price, Currency
Rate, Interest Rate) are not contextual here.
SDG Score by NITI Aayog
NITI Aayog has designed a series of indicators for a combined SDG India Score for 16
sustainable development goals for India:
SDG 1. No Poverty
SDG 2. Zero Hunger
SDG 3. Good Health and Well Being
SDG 4. Quality Education
SDG 5. Gender Equality
43
Gorakhpur District
SDG 6. Clean Water and Sanitation
SDG 7. Affordable and Clean Energy
SDG 8. Decent Work and Economic Growth
SDG 9. Industry, Innovation and Infrastructure
SDG 10. Reduced Inequalities
SDG 11. Sustainable Cities and Communities
SDG 12. Sustainable Consumption and Production
SDG 13. Climate Action
SDG 14. Life Below Water
SDG 15: Life on Land
SDG 16: Peace, Justice and Strong Institutions
Out of the above-mentioned SDGs, SDG 1 (No Poverty), SDG 2 (Zero Hunger), SDG 8 (Decent
Work and Economic Growth), SDG 10 (Reduced Inequalities) are considered relevant for
knowing Financial Status of Workers in the Unorganized Sector.
Combining the relevant SDGs, the following indicators (as defined by NITI Aayog against those
SDG Indices) were considered:
Exhibit 12: Parameters for Financial Score (by NITI Aayog against the SDG Indices)
Indicator Importance in the current survey
Number of Homeless Households Low: Our preliminary primary research has shown
that the number of homeless households working in
the unorganized sector is not significant, hence this
indicator has not been used.
How do we account for this: We do have data on

how many of the members own a household and
how many do not.
Ratio of rural households covered Low: This ratio is not explicitly integrated in the
under PDS to rural households calculations for the unorganized sector, but it does
44
Gorakhpur District
where the income of the highest give a target that Rs 5000 for the highest earning
earning member of the household is member in a household is a number low enough for
less than 5000 the household to look for Public Distribution System
benefits.
How do we account for this: We cover the number

of households who fall under the poverty line
Children under 5 years of age who Nil: Not directly relevant

are stunted and women who are
anaemic
Production of rice, wheat and other Low: Good Agriculture produce in a district helps in
crops establishing the overall financial status, though its
relevance becomes low in a hyper localized state.
How do we account for this: Number of workers

who are unorganized in the agriculture industry is
calculated. The data can be used for state-level
scoring.
Growth rate of GDP per capita Nil: Not directly relevant for our scoring
Unemployment Rate per 1000 Low: Since the focus is only the employed in the
persons unorganized sector, this indicator is not directly
relevant.
A derivation of this indicator, that of those working

at a rate lower than minimum wage can be
considered.
Households with Bank Accounts Medium: Presence of Bank Account does reflect
financial status
This indicator along with other indicators that show

the asset possession of households should be used.
45
Gorakhpur District
Number of ATMs per 100,000 Low: ATMs reflects financial independence but may
population not be a strong indicator because our preliminary
research shows a lack of correlation. Hence, a
derivation of this indicator in form of accessibility to
financial setups can be included.
Palma Ratio based on household The ratio of total monthly consumption expenditure
expenditure in India (Urban and of the top 10% of the households to that of the
Rural) bottom 40% shows economic inequality.
This is not directly used in the Financial Status Score

(because of its limitations on a local level), though
this ratio should be a separate score for
benchmarking across the state of UP.
Important Indicators for the context of Financial Status Score (according to the indicators
recommended by the NITI Aayog and NABARD):
• Penetration and accessibility of banking institutions

• Savings and Expenditure
• Assets and mobilization of Savings
• Below Poverty Line
• Sources of Borrowing
• Monthly Consumption of Household
Based on the above selected indicators and planned derivations, following indicators were
used for the calculation of Financial Status Score:
• Monthly Household Income

• Monthly Household Consumption
• Total Savings
• Savings Behaviour
• Below Poverty Line status
• Assets
• Loans (Distribution of Type of Lender)
Reasons for choosing the above indicators through a new methodology and not using the
standard methodologies directly:
46
Gorakhpur District
• Localisation: The purpose of this survey is to get data from the level of locality and then
extrapolate the same for broad areas of the district. Many of the indicators recommended
by standard authorities do not consider such level of localisation. The localisation is done
to capture the unorganized market (most macro-surveys miss out this market, but this
entire exercise is for the market that is not organized and hence not easily accessible)
• Work focused: The financial status is being calculated with the purpose of creating
policies for the unorganized sector. Such policies can be created if the status is considered
within the context of the work that the subjects are involved in. Income must be
considered across multiple sources based on activities.
• New Age Data: COVID has created a situation where the standard parameters for
understanding status of finance may not be comprehensive enough to help create policies
for the unorganized segment; hence it’s important to base the policy making on actual
perception of their financial status by the respondents, thus creating a much stronger
output needed for policies.
• Benchmarking: We don’t recommend benchmarking or comparing these scores with any
of the other indices used by NITI Aayog or NABARD, considering the vast difference in the
lead indicators used. The benchmarking of these scores should be done with the other
districts in the state and overall average for the state. Also, such perception-based
sampling is done for India as a whole and hence benchmarks for India can be derived from
there.
How the Indicators were used for Scoring:
○ Monthly Income was compared with the benchmark monthly income to know if the
population needs financial assistance (the benchmark was taken as the overall average
income for the state based on all district data and other sample data collected before
survey, and compared with secondary research inputs from various sources)
○ Based on income in households, savings and the expenses, 12 months were taken as
the maximum period for a household to go on without intervention, considering cash
inflow is negative.
○ If loans existed without the presence of assets, that was considered as an area of
concern and focus.
○ All Indicators were used to calculate multiplication factors for the score.
47
Gorakhpur District
Chapter B: Distribution of Unorganized Sector in the district of Gorakhpur
The following data are extrapolated numbers for selected outputs. Only those outputs are
shown that are directly useful for the overall policy recommendations.
The scope of error in extrapolation can go from 5 to 15% (see Scope of Error for better
understanding). All extrapolation has been done on a data point level, thus increasing the
accuracy when seen from the perspective of that particular data point.
Summary for Rural, Semi Urban and Urban (combined) region type
Exhibit 13: Total numbers in Gorakhpur
TOTAL NUMBER OF HOUSEHOLDS 681920
TOTAL NUMBER OF SELF-EMPLOYED 409891
Exhibit 14: Sector wise distribution (for combined type)
TOTAL NUMBER EMPLOYED IN HOUSEHOLDS 125968
TOTAL NUMBER EMPLOYED IN INDUSTRIES 114523
TOTAL NUMBER EMPLOYED IN SERVICES 62448
TOTAL NUMBER OF DAILY WAGE WORKERS WITH NO ACTIVE WORK 367010
TOTAL NUMBER EMPLOYED IN AGRICULTURE 5018
48
Gorakhpur District
Exhibit 15: Sector wise distribution (for combined type)
SECTOR WISE DISTRIBUTION

Overall Urban Rural
3,67,010
3,13,752
1,25,968
1,14,523
1,00,927
91,432
62,448
46,792
36,726
31,374
25,915
23,243
5,018
4,342
724
HOUSEHOLDS INDUSTRIES SERVICES NO ACTIVE WORK AGRICULTURE
• Per the survey it has been noted that the population that identify themselves as
currently unemployed, were self-employed as free agents, or had their own
businesses, or were employed contractually in other organizations (with the contract
not being fixed in a manner that they can claim a stable source of income, hence
leading them to identify themselves as being unemployed).
Exhibit 16: Employment Type (for all regions) / Currently Unemployed
TOTAL NUMBER INVOLVED AS SELF EMPLOYED 230384
TOTAL NUMBER INVOLVED IN SELF BUSINESS 85868
TOTAL NUMBER EMPLOYED AS CONTRACTUAL WORKERS 49897
49
Gorakhpur District
Exhibit 17: Employment Type (for all regions) / Currently Unemployed
Employment Type
2,50,000 2,30,383
2,00,000
1,50,000
1,00,000 85,867
49,896
50,000
-
Unemployed
Self employed Owns business Contractual Labour
Our Comment: Large number of people who consider themselves to be leading solo
businesses in the unorganized sector, also consider themselves to be currently unemployed,
due to the poor state of their finances. This is a segment that is entrepreneurial and needs
the right guidance and support in form of incentives as well as technological interventions to
help them stabilise.
Exhibit 18: Sub-Sector distribution (for combined type)
TOTAL NUMBER EMPLOYED AS COOKS 42709
TOTAL NUMBER EMPLOYED AS MAIDS OR PERSONAL ERRAND AND 18437

SECURITY GUARDS
TOTAL NUMBER EMPLOYED AS OTHERS (MOST COMMON SEGMENT 156027

HERE BEING THE ONES WHO DO VARIOUS OFFICE & PERSONAL
ERRANDS)
TOTAL NUMBER EMPLOYED IN TEXTILE AND CLOTHING 12156
TOTAL NUMBER EMPLOYED IN BUILDING AND CONSTRUCTION 27932
50
Gorakhpur District
TOTAL NUMBER EMPLOYED IN TRANSPORT 3460
Exhibit 19: Community wise distribution (for combined areas)
TOTAL NUMBER OF SC/ST IN UNORGANIZED SECTOR 157858
TOTAL NUMBER OF OBC IN UNORGANIZED SECTOR 489335
TOTAL NUMBER OF FC IN UNORGANIZED SECTOR 32392
Exhibit 20: Community wise distribution (for combined region type)
COMMUNITY WISE DISTRIBUTION

RURAL
RUR SC
AL /ST
OBC
SC/ST
RURA FC
OB L
C
BA
UR
N
51
Gorakhpur District
Exhibit 21: Community wise distribution (for combined region type)
COMMUNITY WISE DISTRIBUTION

6,00,000
5,00,000
No. Of Survey
4,00,000
3,00,000
2,00,000
1,00,000
-
SC/ST OBC FC
ALL 1,57,858 4,89,335 32,392
URBAN and SEMI-URBAN 38,623 86,565 2,872
RURAL 1,22,010 4,00,816 28,849
ALL URBAN and SEMI-URBAN RURAL
Summary for Semi Urban and Urban Region
Exhibit 22: Total numbers for Semi Urban and Urban Region
Exhibit 23: Sector wise distribution (for Semi Urban and Urban Region)
52
Gorakhpur District
Exhibit 24: Sub-Sector wise distribution (for Semi Urban and Urban Region)
TOTAL NUMBER EMPLOYED AS COOKS 8078
TOTAL NUMBER EMPLOYED AS OTHERS (MOST DOING ERRAND 34431

WORKS)
TOTAL NUMBER EMPLOYED INBUILDING AND CONSTRUCTION, AS 9970

MANUAL LABOUR
TOTAL NUMBER OF DAILY WAGE WORKERS WITH NO CURRENT 46792

WORK IN HAND
TOTAL NUMBER EMPLOYED IN TOURISM AND HOSPITAL 3309
TOTAL NUMBER EMPLOYED IN TRANSPORT 5402
TOTAL NUMBER EMPLOYED IN RETAIL 3511
TOTAL NUMBER EMPLOYED AS MAIDS OR PERSONAL ERRAND AND 4389

SECURITY GUARDS
53
Gorakhpur District
Exhibit 25: Sub-Sector wise distribution (for Semi Urban and Urban Region)
Distribution by Profession
(Urban & Semi Urban)
No active work
3.79% Cook
29.70%
8.60% Others
3.06%
Building and construction
6.97% 14.36%
2.85% Personal errands, maids, security
Organised and Unorganised Retail
40.37% 4.66% Tourism and Hospital
Transport
Exhibit 26: Community wise distribution (for Semi Urban and Urban Region)
Summary for Rural Region
Exhibit 27: Total numbers for Rural Region
54
Gorakhpur District
Exhibit 28: Sector wise distribution (for Rural Region)
Exhibit 29: Community wise distribution (for Rural Region)
Exhibit 30: Sub-Sector wise distribution (for Rural Region)
(Rural)
(blank)
Cook
6.58% 23.85%
2.82%
Others
4.24%
Building and Construction 5.76% 0.52%
Personal errands, maids and 59.57% 1.87%

security
Transport 0.54%
55
Gorakhpur District
Chapter C: Distribution of Scores across various demographics in Gorakhpur
The values seen here are for various Scores that reflect the perception of the socio-economic
status.
*All numbers are on a scale of 0-1, 1 being the highest, 0 being the lowest. A score below 5 shows a
requirement of critical policy intervention. A score above 8 shows a study of existing policies and how
the same can be used to replicate in other locations.
Here are some additional reports on a demographic level:
Across Types of Region, Urban, Semi-Urban and Rural
Exhibit 31: All scores for All Region type
Score Urban + Semi Urban Rural Total
Health Status Score 0.6231 0.6311 0.6300
Financial Status Score 0.5234 0.6407 0.6242
Socio-Economic Score 0.5446 0.6041 0.5957
Exhibit 32: All scores for All Region type
Score (Overall)
0.7 0.6407 0.6242
0.6231 0.6311 0.63 0.6041 0.5957
0.6 0.5446
0.5234
0.5
0.4
0.3
0.2
0.1
0
Health Status Score Financial Status Score Socio-Economic Status Score
Urban + Semi Urban Rural Total
56
Gorakhpur District
Across Sectors (Urban & Semi-Urban)
Exhibit 33: Sector wise scores (Urban & Semi Urban Region)
Score Industries Households Services Total
Health Status Score 0.8383 0.6547 0.6459 0.6231
Financial Status Score 0.5658 0.6349 0.3757 0.5234
Socio-Economic Score 0.6669 0.6126 0.4853 0.5446
Exhibit 34: Sector wise scores (Urban & Semi Urban Region)
Score (Sectorwise - Urban & Semi Urban)

0.9 0.8383
0.8
0.7 0.6547 0.6459 0.6669

0.6349 0.6126
0.6 0.5658
0.4853
0.5
0.3757
0.4
0.3
0.2
0.1
0
Industries Households Services
57
Gorakhpur District
Across Sectors (Rural)
Exhibit 35 : Sector wise scores (Rural Region)
Score Industries Households Services Total
Exhibit 36: Sector wise scores (Rural Region)
Score (Sectorwise - Rural)

0.9
0.8 0.775
0.7355
0.6611 0.684 0.6743
0.7
0.6033
0.6
0.495 0.4724
0.5
0.4 0.3334
0.3
0.2
0.1
0
58
Gorakhpur District
Across Communities (Urban & Semi-Urban)
Exhibit 37: Community wise scores (Urban & Semi Urban Region)
Score SC/ST OBC FC Total
Exhibit 38: Community wise scores (Urban & Semi Urban Region)
Score (Communities) - Urban & Semi Urban

0.7 0.6588
0.5908 0.6024 0.5908 0.5936
0.6 0.5668
0.5442
0.5
0.4212
0.4 0.3425
0.3
0.2
0.1
0
SC / ST OBC FC
59
Gorakhpur District
Across Communities (Rural)
Exhibit 39: Community wise scores (Rural Region)
Score SC/ST OBC FC TOTAL
Exhibit 40: Community wise scores (Rural Region)
Score (Communities) - Rural

0.68 0.6728
0.6589
0.66
0.6409
0.6369
0.64
0.6204
0.62 0.6143
0.607
0.6 0.5908 0.5937
0.58
0.56
0.54
SC / ST OBC FC
60
Gorakhpur District
Scores - For Cooks (Rural) – Community
Exhibit 41: Scores – for Cook (Rural) - Community
Score SC/ST OBC FC
Exhibit 42: Scores – for Cook (Rural) - Community
Score (Cooks) - Rural

1
0.9073
0.9
0.8144
0.8 0.7478
0.7 0.6669 0.669
0.5941
0.6
0.5
0.4
0.3
0.2
0.1005
0.1 0.0477
0
0
SC / ST OBC FC
61
Gorakhpur District
Scores - For Industries (Rural) – Community
Exhibit 43: Scores – for Industries (Rural) - Community
Score SC/ST OBC FC
Exhibit 44: Scores – for Industries (Rural) - Community
Score (Industries) - Rural

0.9
0.812
0.8 0.7677
0.7 0.6583
0.6284
0.6 0.5468 0.5506
0.4929 0.5109
0.5
0.3914
0.4
0.3
0.2
0.1
0
SC / ST OBC FC
62
Gorakhpur District
Scores - For Maids, Personal Errands and Security Guards – (All Region Type)
Exhibit 45: Scores – for maids, personal errands and security guard (all region type)

Exhibit 46: Scores – for maids, personal errands and security guard (all region type)
Score of Maids, Personal Errands and Security

Guard
0.9
0.7926
0.8 0.7495
0.6716 0.6737 0.6955
0.7 0.6228 0.6355 0.6158
0.5883
0.6
0.5
0.4
0.3
0.2
0.1
0
Urban+Semi Urban Rural Total
63
Gorakhpur District
Scores - For Those Involved in various Other Works, primarily Errands – (All Region Type)
Exhibit 47: Scores – for those involved in various other works, primarily Errands (all region type)
Exhibit 48: Scores – for those involved in various other works, primarily Errands (all region type)
Others
0.9
0.8 0.7678 0.7575

0.7028
0.7 0.6357 0.6233
0.6 0.5704 0.5547 0.5604
0.477
0.5
0.4
0.3
0.2
0.1
0
Urban+semi urban Rural Total
3.1.6. Health Status Scores
3.1.7. Financial Status Scores
3.1.8. Combined Scores
All the above-mentioned scores shall be seen directly on the Dashboard. The Dashboard
screenshots are presented along with the data of other districts for an effective comparison
in
64
Gorakhpur District
Chapter G: Dashboard
Chapter D: Analyzed Issues with Comments
These conclusions are picked out of the thousands of conclusions gathered out of the data,
and they have been shortlisted based on their importance in the policy recommendations for
the Government of UP and also to help various departments including Department of MSME
quantify their support system and other needs.
3.1.9. General Conclusions
§ The total number of households in the entire district of Gorakhpur involved in

unorganized sector (one or more members in the family as part of the sector) is
681920, while the ones out of these who are self-employed and owns their own
enterprise or works as a free agent (and not working in an unorganized but regular
manner for someone else) is 409891.
Exhibit 49: Distribution of Household
Distribution of Household
409891
Distribution of household
681920
0 100000 200000 300000 400000 500000 600000 700000 800000
Self Employed Total Household
Our Comments: Gorakhpur’s unorganized sector also lies in its organized sector, as a
large number of people work in an unorganized manner in organized enterprises. This
segment can benefit by policies that support the expansion of the organized
enterprises.
§ Out of the above numbers, 128405 is the number of households in unorganized sector
in the urban and semi-urban areas and 553515 is the equivalent number for rural
65
Gorakhpur District
areas. The self-employed number in urban and semi-urban areas is 73064, while the
equivalent number is 338343 for rural areas.
Exhibit 50: No. of Households Vs Self Employed
No. of Household vs. Self Employed

600000 553515
500000
400000
338343
300000
200000
128405
100000 73064
0
Urban & Semi- Urban Rural
No. of Household Self Employed
Our Comments: Rural areas have a greater population as well as a greater share of the
unorganized market in the Gorakhpur district. The distribution of self-dependency is
not very different in urban and rural areas, though the % is slightly higher for rural, as
expected. Special provisions should be made for those who stay in the rural areas
while designing benefits for the unorganized sector and while planning the outreach.
§ Around 29% of the population is aware about the digital payments and have used
them as well in their transactions. The number is higher for urban. This means the
actual digital penetration is much higher, and this makes a case for building a digital
focused economy, driven by a digital powered policy.
Hence digital penetration and awareness needs to be made among the population to
ensure that the technology is being used at its maximum capacity. With digital
penetration and awareness, we shall see manifold times increase in the outreach of
the policies to maximum people.
§ Around 21% of the population have their Aadhar card linked to various government
policies which means that only 21% of the population is aware about the various
health and financial policies enough to have their Aadhar linked while using a policy.
This state of the unorganized sector presents an opportunity to do much more in
terms of reaching out to the sector.
66
Gorakhpur District
Hence seminars and awareness need to be spread among the population to showcase
the importance of linking Aadhar card with the government and the various other
benefits they can enjoy with the other financial and health related policies. This way
the outreach of the policies formulated with increase manifold times.
§ Around 44% of the population working in the unorganized segment in the district of
Gorakhpur have migrated to their current location of work from either other
state/some other region of the same state or district. Majority of the migration has
been for the purpose of employment.
Exhibit 51: Migration Status
Migration Status
60 56.08
50
43.92
40
30
20
10
0
Yes
Yes No
Our Comments: Such a large size of migrant population increases the challenge in
ensuring the government policies reach the required beneficiaries. This number
includes both kinds of migration (from more developed areas induced by COVID and
from less developed areas induced by limitations in opportunities).
§ The migrant population is currently working in the following sectors:
Exhibit 52: Migrant population sector wise distribution
EMPLOYED IN HOUSEHOLDS 90040
EMPLOYED IN INDUSTRIES 82075
67
Gorakhpur District
EMPLOYED IN SERVICES 33014
TOTAL NUMBER OF DAILY WAGE WORKERS WITH NO ACTIVE 337996

WORK
Our Comments: The total number of population employed in industries is 16.79%

whereas the migrated population working in this sector if only 8.66%.
The services sector has a lot of scope and demand, as per our evaluation of business
possibilities in Gorakhpur based on the organized sector, however there is not enough
manpower working in this sector. Better incentivization may be needed.
Further the health score of industrial sectors is also higher when compared to other
sectors. Hence industrial linked financial policies should be formulated which will
increase the income of this sector and lead to the GDP growth.
§ The average monthly income per household is INR 8216 while the average monthly
expense per household is INR 5015. The numbers for urban and semi-urban is not
substantially different from the numbers of rural, showing a consistent spread.
Exhibit 52: Avg. Monthly Income Vs Expense
Avg. Monthly Income vs Expense
5015
8216
0 1000 2000 3000 4000 5000 6000 7000 8000 9000
Expense Income
68
Gorakhpur District
Our Comment: There is scope for expenses to reduce and hence the savings to
increase, that can then be used for growth by the unorganized sector. Policies that are
planned should take this aspect into consideration, that expenses look on the higher
side, as compared to other benchmarks for similar regions. If this income is brought
into consideration through a better involvement of the unorganized sector with
government policies, possibilities of increasing this number exist. The policies that
shall be recommended based on this data should not just be for poverty alleviation
but look at a macro-economic picture and run alongside employment and business
generation or enhancement programs, that will also bring in more such income into
the mainstream.
§ The annualized income generated by the unorganized sector in Gorakhpur is around

INR 6723 crores.
Our Comment: If this income is brought into consideration through a better

involvement of the unorganized sector with government policies, possibilities of
increasing this number exist. The policies that shall be recommended based on this
data should not just be for poverty alleviation but look at a macro-economic picture
and run alongside employment and business generation or enhancement programs,
that will also bring in more such income into the mainstream.
§ Upon the survey conducted it has been understood that 30% of the total population
have clear multiple sources of income other than their main source. The sector wise
distribution of the same is as follows:
Exhibit 53: Employment Status
TOTAL NUMBER OF DAILY WAGE WORKERS WITH NO ACTIVE 109465

WORK
69
Gorakhpur District
Our Comment: The population involved in service sector and industry have multiple
sources of income hence policies should be made in these sectors to promote them
and increase their income which will in-turn increase the earnings of the state and
help in the upliftment of the society.
3.1.10. Demographic Conclusions
§ Total OBC population in the unorganized sector is 489335, out of which the ones in
rural areas is 400815 and the ones in urban and semi urban areas is 86564.
Exhibit 54: Total OBC Population
Total OBC Population

450000
400815
400000
350000
300000
250000
200000
150000
86564
100000
50000
0
Urban & Semi Urban Rural
Total OBC Population
§ Total SC and ST population in the urban and semi urban areas is 38623 and those in
the rural areas is 122010. For the entire Gorakhpur region the number totals up-to
157858.
Exhibit 55: Total SC / ST Population
SC ST Population
140000
122010
120000
100000
80000
60000
38623
40000
20000
0
SC ST Population
70
Gorakhpur District
Our Comment: This distribution of communities shows that the OBC community is very
dominant in Gorakhpur forming approximately 72% of the total population and this is
due to the nature and composition of the citizens staying there. Any community driven
social alleviation program for the scheduled community may be run only on a local
level by going through the distribution.
§ The gender distribution is very similar to the overall gender distribution of population;
the survey has considered females involved in household works adding to the overall
business as part of the sector.
3.1.11. Economic Conclusions
§ The Financial Status Score for Gorakhpur- Urban and Semi Urban Areas is 0.5234 while
the value for Gorakhpur-Rural is 0.6407. This score reflects the percentage of
population that can be considered in a good financial state, calculated through a
function of multiple parameters gathered through primary and secondary surveys.
Exhibit 56: Financial Status Score – Region Wise
Financial Status Score - Region Wise

0.7
0.6407
0.6
0.5234
0.5
0.4
0.3
0.2
0.1
0
Financial Status Score
Our Comment: The financial status score for both the rural and urban and semi urban
areas are considerably good and the same can be corroborated with the fact that the
citizens are well aware about their finances as majority of the population for availing
loans have approached the banks rather than any contractor or money lender.
Gorakhpur being a region with various small-scale industries, it is clear that the
unorganized sector believes that they have not received an appropriate share of the
71
Gorakhpur District
pie. Through intelligent interventions focused on making the members of this sector
become a part of the mainstream, the financial status scores can be significantly
improved. A time-bound poverty alleviation program can be considered, if the same
is directly linked to growth-oriented business opportunities.
§ The Financial Status Score for the personnel working in Industries at 0.4950, while the
number is 0.3334 for those working in the service sector.
Exhibit 57: Financial Status Score (Sector Wise) - Rural
Financial Status Score (Sectorwise - Rural)

0.8
0.684
0.7
0.6
0.495
0.5
0.4
0.3334
0.3
0.2
0.1
0
Our Comment: Those working in households have a good financial status score when
compared to industries and service sector. Retail and other related businesses in the
service sector has a very negative outlook and require support in form of incentives to
drive organized benefits for them. Support to them may not be in form of raw
materials (like those for industries), but various digital advantages can be provided to
them, to drive better businesses. They may need additional subsidies during the
current time, to help them tide over the challenges.
Localization focused economic drive may help in growing the rural sector.
§ The Financial Status Score for the urban areas is quite like the rural areas, where those
working in households have the higher Financial Status Score, at 0.6349 and those
working in the Service Sector have the lowest at 0.3757. Again, this shows that Service
Sector in the both the areas have been severely impact in the current scenario.
72
Gorakhpur District
Exhibit 58: Financial Status Score (Sector Wise) – Urban & Semi Urban
Financial Status Score (Sectorwise - Urban & Semi Urban)

0.7
0.6349
0.6 0.5658
0.5
0.4 0.3757
0.3
0.2
0.1
0
Our Comment: The services business in rural areas needs to be driven through
economy-localization programs. More opportunities should be created for the local
players by ensuring more focus on purchase of services locally.
§ In the urban areas, Financial Status Score for SC and ST Community is 0.6588 while
that of OBC is 0.5908. However, the ratios are more or less the same in the rural areas
with SC and ST at 0.6589 and OBC at 0.6369.
Exhibit 59: Financial Status Score (Community) – All Region Type
Financial Status Score (Community - All Region Type)

0.7 0.6588 0.6589
0.6369 0.6204
0.5908
0.6
0.5
0.4 0.3425
0.3
0.2
0.1
0
OBC SC/ST FC
Urban Rural
73
Gorakhpur District
Our Comment: The FC community in the urban area may need a special boost, and the
same can be driven through economic programs that have representatives from the
community in the execution team.
§ Amongst those involved in the activity of doing personal errands/office boy/maid

works and security guards, the Financial Status Score for urban and semi urban areas
is 0.6716 while that for rural area is 0.7495.
Exhibit 60: Financial Status Score (Errands and Maids) – All Region Type
Financial Status Score (Errands and Maids)

0.76 0.7495
0.74
0.72
0.7
0.68 0.6716
0.66
0.64
0.62
Urban + Semi Urban Rural
Our Comment: When it comes to errands and related works, urban areas are not as
good as the rural areas in terms of financial satisfaction. This may be reflective of a
large population in the urban areas that have not skilled themselves enough to be very
productive.
§ Amongst those involved in the activity of cooking, the Financial Status Score for SC
and ST community is 0.9073 while that for OBC community is 0.5941.
Exhibit 61: Financial Status Score (Cooks) – Rural
Financial Status Score (Cooks) - Rural

1 0.9073
0.8
0.5941
0.6
0.4
0.2
0
SC / ST OBC
74
Gorakhpur District
Our Comment: These numbers have been specifically mentioned to show the high
focus needed on those involved in cooking in the rural areas, especially with respect
to the OBC community that has not been getting enough.
§ Citizens working as maids, personals errands and doing other odd jobs is common in
Gorakhpur region. Their health status score shows that they have proper medical
facilities with their work not adversely affecting their health. Similarly their financial
and socio economic scores are also good. This shows that with a little boost given to
this sector the population can be converted from unorganized sector to the organized
sector which will lead to increase in the GDP.
Exhibit 62: Score – Maids, Personal Errands & Security Guards (all region type)
Score of Maids, Personal Errands and Security Guards

0.9
0.7926
0.8 0.7495
0.6716 0.6737 0.6955
0.7 0.6355 0.6158
0.6228
0.5883
0.6
0.5
0.4
0.3
0.2
0.1
0
Health Status Score Financial Status Score Socio-Economic Score
§ Amongst those involved in the activity of doing other odd jobs the Financial Status
Score for Urban and Semi Urban areas is 0.4770 while that for rural area is 0.5704.
Hence a common financial related policy shall be formulated of which the outreach
should benefit the urban areas.
75
Gorakhpur District
Exhibit 63: Score – Other Sector / Sub- Sector (all region type)
Score of others
0.9
0.8 0.7678 0.7575

0.7028
0.7 0.6357 0.6233
0.6 0.5704 0.5547 0.5604
0.477
0.5
0.4
0.3
0.2
0.1
0
3.1.12. Debt & Credit Related
Exhibit 64: Forms of Debt
Banks
Money
Contractors
Lenders
Form
of debt
Coworkers Friends
76
Gorakhpur District
§ Majority of the businesses and workers in the unorganized sector have taken some
form or loan or debt from either banks or money lenders or other friends or co-
workers or contractors.
§ Around 70045 households in the unorganized sector (self-employed or workers) in the

urban and semi-urban centers have taken loans from accredited lending authorities-
banks, NBFCs, co-operatives, or equivalent. This includes any type or size of loan.
§ Around 38060 have taken loans from money lenders or contractors in the urban and
semi-urban centers.
Exhibit 65: Forms of Loan (Urban & Semi Urban)
Form of Loan (Urban & Semi Urban)
38060, 35%
70045, 65%
Accredited Lending Institute Money Lender / Contractor
§ Around 385848 have taken loans from accredited institutions in the rural areas of
Gorakhpur. Around 129027 have taken loans from non-accredited sources.
Exhibit 66: Loan Sources (Rural)
Form of Loan (Rural)
129027, 25%
385848, 75%
Accredited Lending Institute Money Lender / Contractor
77
Gorakhpur District
Our Comment: The overall debts in rural areas is higher other than that in urban areas,
both in terms of loans taken from banks and loans taken from “other” sources. This clearly
provides action points for the Government to start tapping the segment in rural areas who
do not take loans from banks etc. This will not only help protect the debtors, but also
increase earnings for the government.
3.1.13. Health Related
Health status reflects social status as well. Hence, there has been a special focus on health in
our research. Health is directly connected to productivity also, thus impacting economic
growth.
§ The Health Status Score for Urban + Semi-Urban (0.623) and Rural areas (0.631) are
very near to each other. There is a clear scope of improvement, but it’s not critically
low.
Our Comment: Exposing both rural and urban and semi urban segment to existing
government policies on health and providing them better health facilities around them
should be the natural step on part of the government, as there is a correlation between
health and earning, as shown by the survey.
Health Status Score reflects the facilities of health available to the unorganized segment
along with their perception of their status and the said facilities.
Exhibit 67: Health Status Score (all regions)
Health Status Score Overall

0.632 0.631
0.63
0.63
0.628
0.626
0.624 0.623
0.622
0.62
0.618
Health Status Score
Urban + Semi Urban Rural Total
78
Gorakhpur District
§ It has been noted that the Health Status Score has been very good across Gorakhpur
region including both the urban, semi urban region and the rural areas. This states
that the people have good medical facilities at their workplace and their work does
not adversely affect their health.
Exhibit 68: Health Status Scores - Industry (all region type)
Health Status Score (Industries - All Region Type)

0.86
0.838
0.84
0.82
0.8
0.774
0.78
0.76
0.74
Health Status Score
Our Comment: The industries in the urban and semi-urban areas show good care for
the unorganized sector members associated with them. Incentivizing, recognizing and
rewarding those industries that do the same, shall help in further improving the
already good numbers. As with the above numbers it is being portrayed that the
Industrial sector is providing both good health and proper finance to its citizens.
Whereas the financial status score of the service sector has been the lowest both in
the urban and semi urban areas and the rural areas. Certain measures shall be
adopted which provide more incentives to industries so that a greater population is
shifted from the service sector to the industrial sector.
§ Health Status Score across the communities is almost the same with marginal
differences as SC/ST is 0.658, OBC is 0.636 and FC is 0.620.
79
Gorakhpur District
Exhibit 69: Health Score - Community (Rural)
Health Score (Communities) - Rural

0.68 0.6728
0.66
0.6408
0.64
0.62
0.6 0.5908
0.58
0.56
0.54
Health
SC / ST OBC FC
3.1.14. Sector Related
§ About 125968 is the number employed in households (doing their own job out of their
households, self-employed with workplace being their household, working at others’
households), with the number being 23243 for urban and semi-urban areas and
100927 for rural areas.
Exhibit 70: Household numbers (for all region type)
Households
140000
125968
120000
100927
100000
80000
60000
40000
23243
20000
0
Households
Urban Rural Total
80
Gorakhpur District
Our Comment: A large segment of the population in the unorganized sector does not
work out of a workplace. Such a large number working in households means that they
may have newer opportunities in the post-COVID world, which is expected to see less
offices and workplaces. Policies that can create additional opportunities for this
segment, through skill-development and diverse job options, will help boost the
economy and uplift their socio-economic status in the process.
§ The other prominent sectors for Gorakhpur region are Industries where in 25915 and
91432 are involved in urban and rural areas respectively. Followed by 31374 are in
Services in Urban and Semi Urban areas, while the number is 36726 in the rural areas.
Our Comment: Services and industries sector are prominent both in the urban and
semi-urban areas as well as the rural areas, despite the population not having any
active work being one of the highest. Gorakhpur having more industrial opportunities,
there are low agriculture related activities in the rural areas we well.
Such a clear distribution of sector of work shows that the policy distribution should
also take this into account, especially when it comes to policy awareness plans.
Policies meant for service sector should be promoted more actively in the urban
centers.
Digitization of activities with proper tracking will help Gorakhpur’s unorganized sector.
Exhibit 71: Sector wise comparison (for all region type)
Sector Comparision
350000
313752
300000
250000
200000
150000
91432
100000
46792
50000 31374 36726
25915
0
Industries No active work Services
81
Gorakhpur District
§ In the entire district of Gorakhpur, the number of people involved in the unorganized
sector, in activities related to cooking is 42709, building and construction, labor work
at 27932 followed by running personal errands, doing maid work or works typically
done by an office boy. However, there is a very large segment of population doing
other odd kind of jobs at 156027.
Our Comment: Cooking is one of the skills that is easily picked up by most and does
not have a threshold in terms of generating business or employment, hence a large
segment belongs to this activity. A focus on this segment will help boost economy, if
done not through a direct incentive-based policy but through a policy that combines
incentives with long term benefits for the sector. Doing jobs of running errands,
cleaning etc. also have very low threshold, hence many people. They can be enabled
to do much more if a proper skill evaluation is done for this segment and respective
skill development programs are run.
Exhibit 72: Distribution by Sub-Sector
(Gorakhpur District)
No active work
24.00% 2.84%
Others
6.57% Cooks
9.53% 4.30% Personal errands
Building and construction
59.90% Textile and Clothing

1.87% Transport
0.53%
§ Both in the urban, semi urban areas and the rural areas people are engaged in doing
any other kind of odd jobs, followed by cooking and then activities involved in building
and construction.
Our Comment: Both in the Urban and semi urban areas and the rural areas after
household’s majority of the population is involved in industrial related activities.
Policies shall be formulated to ensure that this sector of the population gets a safer
work environment and their work is moved from the unorganized sector to the
82
Gorakhpur District
organized sector to ensure that their income is getting captured to improve the
statistics of the state.
3.1.15. Combined Status Related
The Socio-Economic Status Score considers Health Status Score, Financial Status Score as well
as Workplace Satisfaction Score.
§ The Socio-Economic Score of Cooks is good as their financial status score is very high,
that is for SC/ST Community it is 0.7478 while 0.6690 for OBC. This means that both
health and finance wise the population working in this sector is doing well.
Exhibit 73: Score (Cooks) – Rural vs. Community
Score (Cooks) - Rural

1
0.9073
0.9
0.8144
0.8 0.7478
0.7 0.6669 0.669
0.5941
0.6
0.5
0.4
0.3
0.2
0.1
0
SC/ST OBC
Our Comment: It is reflective of the points mentioned above.
§ The Socio-Economic Score for those working in Industries in Rural areas is at 0.6033,
while it is 0.4724 for those in-service sectors. Again, it is reflective of the other points
mentioned above.
§ The Socio-Economic Score for those working in other sectors like doing odd jobs in
Urban, Semi Urban and Rural areas ranges from 0.433 to 0.444. The socio-economic
score is majorly getting impacted due to the low financial status score. Hence policies
linked to financial status of the citizens will in-turn lead to an increase in the socio-
economic status.
83
Gorakhpur District
Exhibit 74: Score (Others) for all region types
Score (Others) - All

0.9
0.8 0.7678 0.7575

0.7028
0.7 0.6357 0.6233
0.6 0.5704 0.5547 0.5604
0.477
0.5
0.4
0.3
0.2
0.1
0
§ The group with the lowest Socio-Economic Score is working in services sector, with a
value of 0.391.
Exhibit 75: Score – Sector wise for Urban and Semi Urban region
Score - Sectorwse (Urban & Semi Urban)

0.9 0.8383
0.8
0.7 0.6547 0.6459 0.6669

0.6349 0.6126
0.6 0.5658
0.4853
0.5
0.3757
0.4
0.3
0.2
0.1
0
84
Gorakhpur District
Exhibit 76: Score – Sector wise for Rural region
Score (Sectorwise - Rural)

0.9
0.775
0.8 0.7355
0.6611 0.684 0.6743
0.7
0.6033
0.6
0.495 0.4724
0.5
0.4 0.3334
0.3
0.2
0.1
0
85
Gorakhpur District
Chapter E: Operations under Recommended Policy
3.1.16. Activity Level Subsidy Planning
Please find below the list of skills that will be connected on the backend to special
recommendations, thus acting as an artificially intelligent guide to the unorganized sector.
These skills have been derived through an algorithm that calculates proficiency of skills based
on the range of activities (with one or more sources of income) a respondent is involved in.
This skill proficiency evaluation algorithm is also being used by the Government of India, in an
ongoing project. The range of activities is derived through the survey and related secondary
research.
• Tailoring • Electronics Repair

• Dyeing & Washing • Hardware Networking
• Machinery Operations- Textiles • Software & Data Work
• Electrical Works • Furniture Design
• Construction Machine Operations • Leather Tanning
• Plumbing • Leather Works
• Carpentry • Cooking
• Driving • Housekeeping
• Repair of Motor Vehicles • Cultivation
• Trade of Motor Vehicles • Livestock Rearing
• Hair Cutting • Machinery Operations- Mining
• Commission Sales • Manual Labour
• Wholesale Trade • Caregiving/Nursing
• Retail Sales & Service • Security and Errands Work
• Gem & Jewellery Work
• Jewellery Design
86
Gorakhpur District
Exhibit 77: Detailed Recommendations
SKILL BASED SPECIAL BASIS OF EXPECTED

ACTIVITIES RECOMMENDATIONS RECOMMENDATIONS NUMBER
These recommendations So that the

will be directly tied up to target and
purchases from the value
the Manus Card of
subsidies
is clear
Tailoring & Related Provision of machines This can be suggested as an 12156

Activities and skill development alternate skill for those not
courses at subsidized doing good financially in
rates other "household"
activities
Dyeing & Washing Subsidy for raw The garment furnishing 12156
materials (dyes etc) business has been much
purchased locally from more organized now (basis:
Gorakhpur secondary research). So,
those having this skill can
move faster to the
organized sector than
others
Machinery Special prices for the Prevalence of ready-made 12156

Operations- LOCAL ready-made small scale "organized"
Textiles & Related garment or sports goods industries in the district of
Goods or related industries OR Gorakhpur; especially the
ready-made sellers sectors of sports goods,
(subsidies for any textiles and garments, and
purchases done to serve even musical instruments
the local garment
industries)
Electrical Works NA NA The

Number is
small
83
Gorakhpur District
Construction Special prices for raw Gorakhpur is seeing some 27932

Machine materials and for new construction, and is
Operations construction machinery expecting to see more of
work, including construction of different
availability of materials types and levels. Hence,
on rent (and special this brings opportunity for
pricing for the same) unorganized sector to
increase their contribution
if they are helped with the
right incentives.
Plumbing NA NA The
Number is
unclear
Carpentry Availability of local raw Availability of wood and 27932
materials (wood etc) at other raw materials for
subsidized rates carpentry, in certain
regions of Gorakhpur,
hence local economy can
also be boosted through
this
Driving NA NA 3460
Repair of Motor Portable Kits that can be Use of portable kits can 3460
Vehicles used for repair of increase the reach of
vehicles to be supplied at unorganized sector inside
subsidized rates households, thus
increasing their numbers.
Our data shows that there
are large number of
household focused
businesses, and hence this
will be a natural addition
Trade of Motor NA NA The

Vehicles Number is
unclear
Hair Cutting Provision of hygiene and Primary Survey data shows The
PPE kits at subsidized that this segment is also Number is
rates operating majorly from small
"households", hence an
improvement in safety and
quality can help them
improve the business
84
Gorakhpur District
Commission Sales NA NA The

Number is
unclear
Wholesale Trade NA NA 5866
Retail Sales & Subsidized access to Use of automation 11190

Service retail automation software eases the
software that tracks movement from
sales and purchases, unorganized to organized
along with on-ground
support to help ease into
such digitization
Gem & Jewellery Special prices for the Prevalence of various small The
Work LOCAL ready-made gem, scale "organized" Number is
jewellery & garment industries in the district of unclear
industries (subsidies for Gorakhpur; those doing
any purchases done to unorganized gem or related
serve the local garment work can be given more
industries) business through these
industries
Jewellery Design NA NA The
Number is
small
Electronics Repair NA NA 6535
Hardware Subsidized access to Hardware products are in a 6535

Networking learning and skill more organized sector,
development courses hence those in hardware
with respect to networking in unorganized
hardware networking, manner have a scope of
include actual systems becoming more organized,
needed for such learning through upskilling. There is
an uptick in Gorakhpur for
this segment, as the
numbers are high
compared to various other
districts, thus showing
possibilities of a bigger
organized sector with time.
85
Gorakhpur District
Software & Data Free access (Subsidized Gorakhpur is seeing a 6535

Work by the government) to decent number of people in
basic learning courses the unorganized sector also
that can be done on learning software skills.
mobile Gorakhpur’s educational
significance can be utilised
to help convert many of
these into organized
sector. Tie-ups with
academic institutions to
drive the subsidies can be
planned.
Furniture Design Design Support- Access Improvement in quality can 27932
to design ideas through help shift from unorganized
international product to organized
catalogs (any costs
subsidized)
Leather Tanning NA NA 2674
Leather Works NA NA 2674
Cooking Subsidized Purchase of Health Status Scores, 5324

Clean Cooking Financial Status Scores,
Equipment (especially Environmental benefits,
those built through local Long term economic boost
support)
Housekeeping Availability of tools used This will help boost 23761

for housekeeping at a purchase directly through
subsidized rate those involved in
housekeeping, leading to
higher margins of earning
(the financial status score
was low for this sector)
Cultivation Subsidized Purchase of Low Financial Status and 410
chemicals required for Health Status Scores for
Cultivation those showing this skill
Livestock Rearing Subsidized access to Low Health & Financial 410
food for livestock, if local Scores for Rural Industries,
suppliers are used but strong scope for Agro-
based industries
86
Gorakhpur District
Contractual Manual Rural population can be The financial status of this 46369
Labour (daily used to improve the segment is lower than
wagers not value of this segment. others, and opportunities
included) Incentives can be around across Gorakhpur are
travel for the rural disproportionate.
segment, so that they
can get more
opportunities; and vice
versa
Caregiving/Nursing Heavily subsidized Need of heavy involvement The

provision of all materials of women for economic Number is
needed for nursing growth (mentioned above); small
purposes for the Women secondary research data
Users of the scheme from SEWA showing
women being naturally
better at nursing
Security & Other Recommendation of Better Productivity with 21682

Errands Work using the card for the Better health focus
purpose of medical
treatments and
improving health status,
as that will directly help
increase productivity
Expected Number: This number does double counting as well, as it reflects the number of
people having some level of proficiency in the said skills-based activities. A person may be
doing multiple activities based on multiple skills they possess and may want to gain subsidy
for all those activities (within the given budget), as they would have multiple sources of
income.
These are some important conclusions out of the expected number of people doing these
skill-based activities:
• In terms of priority, while working on all recommendations, the following skill-based

activities need to be considered with the highest focus:
o Security workers+ Personal Errands+ Others
o Housekeeping and related activities
o Tailoring and textile related activities
o Manual Labour
o Design and related activities
o Carpentry and Construction related activities
87
Gorakhpur District
Skill /Activity level Subsidy Plan
Exhibit 78: Skill and Activity Level Subsidy Plan
Activity Average Expected Who will Contribution

Annual number of subsidize? towards
value of claims Objective
Subsidy (Targeted)
(INR)
Tailoring 10000 12156 1. 1. Increase in

Government, number in the
Organized Sector,
2.Industry
Partners, 2. Increased GDP
for Unorganized
3.Skill Sector
Development
Partners
Dyeing & Washing 10000 12156 1. Industry 1. Increase in

Partners, number in the
Organized Sector,
2. Government
2. Increased GDP
for Unorganized
Sector
Machinery 12000 12156 1. Industry 1. Increase in

Operations- Textiles Partners, number in the
Organized Sector,
2. Marketplace
Partners, 2. Increased GDP
for Unorganized
3. Government Sector
Construction 10000 27932 Government 1. Increased

Machine Operations Income for the
Unorganized
Sector,
88
Gorakhpur District
2. Increase in
GDP for the
unorganized
sector
Carpentry 10000 27932 1. Industry 1. Increase in

Organized Sector,
2. Government
2. Increased GDP
for Unorganized
Sector
Repair of Motor 10000 3460 Industry 1. Increased

Vehicles Partners Income for the
Unorganized
Sector,
2. Increase in
GDP for the
unorganized
sector
Hair Cutting 8000 N/A 1. Impact 1. Improvement

Fund/Grants, in Health and
hence
2. Government productivity,
2. Increased
Income
Retail Sales & 10000 1190 1. Industry 1. Increased

Service Partners, Income for the
Unorganized
2. Marketplace Sector,
Partners
2. Increase in
GDP for the
89
Gorakhpur District
unorganized
sector
Gem & Jewellery 10000 N/A 1. Industry 1. Increase in

Work Partners, number in the
Organized Sector,
2. Government
2. Increased GDP
for Unorganized
Sector,
3. Increase in
GDP for the
Organized Sector
Hardware 12000 6535 1. Skill 1. Increased

Networking Development Income for the
Partners, Unorganized
Sector,
2. Industry
Partners 2. Increase in
GDP for the
unorganized
sector
Software & Data 12000 6535 1. Skill 1. Increased

Work Development Income for the
Partners, Unorganized
Sector,
2. Industry
Partners 2. Increase in
GDP for the
unorganized
sector
Furniture Design 10000 27932 1. Industry 1. Increase in

Organized Sector,
2. Marketplace
Partners,
90
Gorakhpur District
3. Government 2. Increased GDP

for Unorganized
Sector,
3. Increase in
GDP for the
Organized Sector
Cooking 8000 5324 1. Industry 1. Improvement

Partners, in Health and
hence
2. Academic productivity,
Innovators,
2. Increased
3. Government Income
Housekeeping 10000 23761 1. Industry 1. Improvement

hence
2. Marketplace productivity,
Partners,
2. Increased
3. Government Income
Cultivation 10000 410 1. Industry 1. Increased

Partners, Income,
2. Marketplace 2. Increase in
Partners, GDP for
Unorganized
3. Government Sector,
3. Increase in
GDP for the
Organized Sector
Livestock Rearing 10000 410 1. Industry 1. Increased

Partners, Income,
2. Increase in
GDP for
91
Gorakhpur District
2. Marketplace Unorganized
Partners, Sector,
3. Government 3. Increase in
GDP for the
Organized Sector
Manual Labour 4000 46369 Government 1. Improvement

in Health and
hence
productivity,
2. Increased
Income
Caregiving/Nursing 10000 N/A 1. Industry 1. Improvement

hence
2. Innovators productivity,
and NGOs
2. Increased
Income,
3. Increase in
GDP for all
Sectors
Security and Errands 6000 21682 1. 1. Increased

Work Government, Income for the
Unorganized
2. Industry Sector,
Partners,
2. Increase in
3. Grants and GDP for the
Impact Funds unorganized
sector
92
M
A
CO CH
N IN
ST ER D TA
RU Y YE
IL
O IN
O
0
5000
10000
15000
20000
25000
30000
35000
40000
45000
50000
CT PE G RI
IO RA & N
N TI W G
M O A 10000 Tailoring & Related Activities
A N SH
CH S- IN
IN TE G Dyeing & Washing
E XT 10000
RE O IL Machinery Operations- Textiles…
PA PE
IR ES
RA
12000 Electrical Works
O TI
F CA O
M N Construction Machine…
O RP S
TO 10000
R
EN Plumbing
TR
RE V Y
TA H EH 10000 Carpentry
IL A IC
IR Driving
G LE
EM SA CU S
LE 10000
& S TT Repair of Motor Vehicles
H JE & IN
A W G Trade of Motor Vehicles
RD SE 8000
W EL RV
SO A LE IC Hair Cutting
RE RY E
FT
N W 10000 Commission Sales
W
A ET O
RE W RK
Wholesale Trade
& O 10000
RK
FU D Retail Sales & Service
A IN
RN TA G
IT W 12000 Gem & Jewellery Work
U O
RE RK Jewellery Design
D 12000
ES
IG Electronics Repair
H
CO N
O O 10000 Hardware Networking
U KI
N
Average Annual value of Subsidy (INR)

SE
Exhibit 80: Average annual value of subsidy

KE G Software & Data Work
8000
Exhibit 79: Expected number of claims (targeted)
CU EP
LI
V LT IN Furniture Design
ES IV G
TO A 10000 Leather Tanning
CK TI
M O Leather Works
N
EXPECTED NUMBERS OF CLAIMS (TARGETED)
SE A RE
10000
CA N A
CU U RI Cooking
RE A N
RI
TY G L G
IV LA 10000 Housekeeping
A IN
N G
BO
D /N U Cultivation
U R
ER 4000
RA RS Livestock Rearing
N IN
D G Contractual Manual Labour…
S 10000
W
O Caregiving/Nursing
93
Gorakhpur District
RK
6000
Security & Other Errands Work
Gorakhpur District
Total value of Subsidies: Rs 203,42,62,000
How to extract this value: >90% of the above value can be extracted through partnerships,
the rest may need to be budgeted through the local or state government. Overall, it is
expected to drive lot of intangible value, besides helping achieve the core objectives as
mentioned above.
Gorakhpur is a district with good financial status scores, and hence will be easier to attract
partnerships for growth.
3.1.17. Future Credit Eligibility Parameters
The MANUS policy shall open a gate of new investors for the sector, upon its successful
initiation. These new investors are expected to use data collected through the scheme for the
purpose of providing additional credit facilities to the users, based on certain eligibility
parameters that would be calculated through the data on the MANUS card. This will ensure a
sustained growth of the sector and a growing benefit of the scheme.
Following are some of the initial eligibility parameters that would be considered by the
investors, hence these are the ones that need to be recorded clearly while planning the
concept of the card.
• Repayment Details
• Use of Subsidies during purchases using the Card (amount, type, etc.)
• Sector Level Analysis (based on combined data of usage of card across sectors)
• Growth Rate (in terms of Income)
• Extent of Digital Adoption
3.1.18. Partner Analysis
The report mentions use of partners at multiple places, for effective execution of the said
policies. It also briefly mentions various types of partners that would be useful for the same.
The following table shows the types of partners that are needed, along with some examples
with some names.
94
Gorakhpur District
Exhibit 81: Partner Analysis
Type of Partner Example
Innovators & This will be domain specific, for example, for Clean Cooking, we can
Technology look at various startups associated with NITI Aayog or Startup India
Startups programs. Those who participated in Government of India’s call for
“Solar Chulha” in 2017 can be considered to partner.
Digitization Automation software such as those provided by Accloud or Zoho or

Products Intuit can be considered, along with various other companies that are
into digitization of specific elements.
On ground We will have to use companies that were involved for Jan Dhan
Partners Schemes, as well as use NGOs such as SEWA that focus on women
empowerment through involvement in such policies.
Grant Funds Various funds responsible for economic revival, for example
Omidyar’s Resolve Fund, or various Indian corporate funds can also be
involved in the process.
Banks/ NBFCs Bank of Baroda, SIDBI and other banks will need to be involved for
effective execution.
Corporate CSR Corporates such as TATA group and other international corporates
funds looking to be a part of “Bharat” will be involved for this exercise
towards economic growth.
Skill Development Various Skill Development Programs can be involved on both state
Partners level and national level.
95
Gorakhpur District
3.1.19. Budget of the Policy
Assuming 10% of the micro-level subsidies are sponsored by the government, while the rest
comes through partnerships with corporates and academia, as it is of long-term value to all,
and keeping into account subsidies provided by the government to the banks and other
lenders on the interest rates applicable on the MANUS card, the total value of subsidies that
the government needs to consider against direct financial alleviation is around Rs
42,00,00,000.
The other expenses by the government for effective execution of this policy can be considered
to be at 2% of the total value of money to be floated in the market (Rs 203 crores for micro-
level subsidies and Rs 135 crores for the initial cumulative credit value in the cards), as a
thumb rule for operational expenses. This turns out to be approximately Rs 6.5 crores.
At a value of less than Rs 50 crores (Rs 42 crores+ Rs 6.5 crores+ unaccounted expenses)
towards the complete overhaul of the unorganized sector in the district of Lucknow (all the
other subsidies and expenses are supposed to be driven through partnerships); the expected
direct annual GDP increase is about Rs 1800 crores.
A detailed budget plan shall be created in discussion with the respective departments who will
be driving the same. Through a proper planning, the expenses can be reduced even further.
96
Gorakhpur District
Chapter F: Comparison between Lucknow, Meerut and Gorakhpur
Below is the comparison made on different various parameters between Lucknow, Meerut
and Gorakhpur
Exhibit 82: Meerut Vs Lucknow Vs Gorakhpur: No. of Households
No. of Households
900000
813836
800000
681920
700000
600000
477603
500000
409891
400000 367566
300000
207138
200000
100000
0
Lucknow Gorakhpur Meerut
Total Households Self employed
Our Comment: Basis on Lucknow being more populated than Meerut and Gorakhpur the
extrapolated number of households surveyed for Lucknow is higher than that of both.
However, the ratio of the self-employed personnel when compared to the households in
Lucknow and Meerut are almost the same which is approximately 45%. However, the ration
increases up-to 60% for Gorakhpur. Macro level policies formulated shall focus on these self-
employed population such that they can engage themselves in more productive ways which
will help in their upliftment and in turn lead to the betterment of the state.
Exhibit 83: Meerut Vs Lucknow Vs Gorakhpur: No. of Households
Households
900000 813836
800000
681920
700000
571735 553515
600000
477603
500000
400000
242101 276476
300000 201127
200000 128405
100000
0
total households Urban Households Rural Households
97
Gorakhpur District
Our Comment: Basis on the above graph, it is noted that the 70.25% of Lucknow population
comprises of the Urban area and balance 30% from the rural. However, the scenario is reverse
in Meerut region as the rural population comprises of 58% and Urban of the remaining 42%.
The rural population further increases in the Gorakhpur region up-to 82%.Further basis on
the charts in chapter B, C and D policies should be formulated to help the service sector in the
urban areas Lucknow and the industrial sector in rural areas of Meerut and Gorakhpur
including the household sector as well as the Financial Status Score from these sectors is the
highest which will in turn help the movement of population from the unorganized sector to
the organized sector leading to an increase in the GDP.
Exhibit 84: Meerut Vs Lucknow Vs Gorakhpur: Migration
MIGRATION
Yes No
100%
90%
80%
50.2 49.3
70% 56.08
60%
50%
40%
30%
47.4 48.9
20% 43.92
10%
0%
Our Comment: Around same percentage of the population in the unorganized sector from all
the regions have migrated either from some other state/same state from another region.
Such a large size of migration during the year is majorly due to COVID 19, hence this would
pose as a challenge to ensure that the government policies reach the right beneficiaries at
the right time. Basis on the analysis made in Chapter D for migration, the migrated population
in Gorakhpur have scope to work in the industrial sector as there is a mismatch between the
demand and supply.
98
Gorakhpur District
Exhibit 85: Meerut Vs Lucknow Vs Gorakhpur: Income Vs Expense
Income Vs Expense
10000 8912
8260 8126
8000
5570 5843
6000 5015
4000
2000
0
income expense
Our Comment: The average monthly income and expense of all the regions is not significantly
different. The expenses comprise of 60%-65% of the total income from the household. It has
been noted that highest income generating sector in all the regions is households. Further the
Financial Status score of the service sector in Lucknow, industrial sector in Meerut and
household sector in Gorakhpur is the highest. Hence policies linked to these sectors shall be
formulated so that these sectors are given a boost and the income which was previously not
getting recorded in the records due to unstable and unorganized nature of the work would
now get recorded due to involvement of government policies.
Exhibit 86: Meerut Vs Lucknow Vs Gorakhpur: Health Status Scores (Urban & Semi Urban Region)
Health Status Score (Urban - Sectors)

1
0.838 0.821 0.825
0.8 0.665 0.703
0.654 0.645
0.6 0.499
0.426
0.4
0.2
0
Our Comment: The health status score for urban and semi urban region of Gorakhpur and
Meerut all the sectors is better than that of Lucknow. This implies that the Gorakhpur and
Meerut personnel have more accessibility of medical facilities in their workplace and their
health is not adversely impacted by their work when compared to the Lucknow personnel.
99
Gorakhpur District
Hence policies shall be formulated focusing the household sector in Lucknow region as this is
the sector where majority of the population in involved in turn generating the maximum
income and increasing the GDP of the state. Whereas the health status score for industries
across all the regions is considerably good.
Exhibit 87: Meerut Vs Lucknow Vs Gorakhpur: Health Status Scores (Rural Region)
Health Status Score (Rural - Sectors)

0.9
0.8205
0.774 0.787 0.7805
0.8 0.735
0.7 0.648 0.661
0.6 0.546
0.5
0.4
0.3
0.215
0.2
0.1
0 0 0
0
Industries Households Services Agriculture
Our Comments: Following the similar pattern of the urban and semi urban area, the health
status score in the rural area of Meerut and Gorakhpur is better than that of Lucknow. Further
it is noted that a large population from the Lucknow region in the rural areas is involved in
agriculture, hence agriculture related policies should come in force which will further stabilise
the population working in that sector. Meerut being the industrial hub for the state majority
of the population is involved in such industrial activities leaving very less opportunities for
both the agriculture sector and service sector. Further in Gorakhpur as well the industrial
sector shall be boosted. Such clear distinction of work will help focus on formulating policies
related to industries which will lead to a safer and healthier work environment.
100
Gorakhpur District
Exhibit 88: Meerut Vs Lucknow Vs Gorakhpur: Financial Status Score (All Region Type)
Financial Status Score (Overall)

0.7 0.6407
0.6 0.5234
0.501
0.5
0.4
0.3 0.221
0.199 0.207
0.2
0.1
0
Urban and Semi urban Rural
Our Comments: The overall Financial Status Score for Lucknow is better than Meerut and such
adverse ratios need immediate attention. However Gorakhpur has a better financial ratio
when compared to Lucknow and Meerut. In Meerut the finanacial status score for Industry
sector is better than household and service sector, hence industry related policies shall be
introduced to further improve the financial status of the citizens helping them move from the
unorganised sector to the organised sector. In Lucknow agriculture related policies should be
formulated. Whereas in Gorakhpur both industrial and household related policies shall be
formulated as these sectors are doing better than service sector. Hence it is important there
is a time bound poverty alleviation program designed for both the areas (on the lines of
universal basic income for owned households), but such a program has to be accompanied
with clear macro-economic plans to sustainably support the impact of such a program.
Exhibit 89: Meerut Vs Lucknow Vs Gorakhpur: Financial Status Score (Urban Region) – Sector wise
Financial Score (Urban- Sectors)

0.8 0.7009
0.673 0.6349
0.5658
0.6 0.493
0.3757
0.4
0.177
0.2 0.125
0.0745
0
Industry Household Service
Our Comments: The region of Meerut and Gorakhpur majorly driven by the Industry sector
the FSI from it is the highest where as due to very less opportunities related to service sector
101
Gorakhpur District
the FSI has been adversly hit. The business needs to be driven through economy-localization
programs to ensure that the citizens from the unorganized sector gradually shift to the
organized sector and lead to an increase in the GDP. Whereas, in Lucknow government
should implement service sector related policies to ensure the financial sustainability of the
citizens.
Exhibit 90: Meerut Vs Lucknow Vs Gorakhpur: Financial Status Score (Rural Region) – Sector wise
Financial Status Score (Rural - Sectors)

0.8
0.684
0.7
0.598
0.6
0.495
0.5
0.404
0.4
0.3334
0.3
0.2235
0.2 0.173 0.155 0.136
0.1 0.06
0 0
0
Industries Households Services Agriculture
Our Comments: The region of Meerut and Gorakhpur majorly driven by the Industry sector
the FSI from it is the highest where as due to very less opportunities related to service sector
the FSI has been adversly hit. The business needs to be driven through economy-localization
programs to ensure that the citizens from the unorganized sector gradually shift to the
organized sector and lead to an increase in the GDP. Whereas, in Lucknow both household
and agriculture related policies once formulated can solve the financial issues of the citizens.
102
Gorakhpur District
Chapter G: Dashboard
This section comprises of the screenshots of the dashboard which is hosted on

https://upecocensus.org to provide a detailed analysis of the entire survey and the outcomes.
Exhibit 91: Dashboard: Health Status Score (all region type)
Exhibit 92: Dashboard: Financial Status Score (all region type)
103
Gorakhpur District
Exhibit 93: Dashboard: Socio Economic Status Score (all region)
Exhibit 94: Dashboard: Health Status Score (Urban Region)
104
Gorakhpur District
Exhibit 95: Dashboard: Financial Status Score (Urban Region)
Exhibit 96: Dashboard: Socio Economic Status Score (Urban Region)
105
Gorakhpur District
Exhibit 97: Dashboard: Health Status Score (Rural Region)
Exhibit 98: Dashboard: Financial Status Score (Rural Region)
106
Gorakhpur District
Exhibit 99: Dashboard: Socio Economic Status Score (Rural Region)
Exhibit 100: Dashboard: Health Status Score in Households (all region type)
107
Gorakhpur District
Exhibit 101: Dashboard: Financial Status Score in Households (all region type)
Exhibit 102: Dashboard: Socio Economic Status Score in Households (all region type)
108
Gorakhpur District
Exhibit 103: Dashboard: Health Status Score in Industry (all region type)
Exhibit 104: Dashboard: Financial Status Score in Industry (all region type)
109
Gorakhpur District
Exhibit 105: Dashboard: Socio-Economic Status Score in Industry (all region type)
Exhibit 106: Dashboard: Health Status Score in Service Sector (all region type)
110
Gorakhpur District
Exhibit 107: Dashboard: Financial Status Score in Service Sector (all region type)
Exhibit 108: Dashboard: Socio Economic Status Score in Service Sector (all region type)
111
Gorakhpur District
4. References
1. Ministry of labour and employment, Government of India (2019). Annual Report
2019-20. Retrieved from
https://labour.gov.in/sites/default/files/Annual%20Report%20(English)%202019-
20.pdf
2. Ministry of Textiles, Government of India (2019). Handloom Weavers. Retrieved

from https://pib.gov.in/PressReleaseIframePage.aspx?PRID=1579529
3. Regional Centre for Urban and Environmental Studies, Ministry of Urban

Development, Govt. of India (2019). Slum Free City Plan of Action - Lucknow.
Retrieved from http://mohua.gov.in/upload/uploadfiles/files/21UP_lucknow_sfcp-
min.pdf

Development, Govt. of India (2019). Slum Free City Plan of Action: Gorakhpur City.
Retrieved from
http://mohua.gov.in/upload/uploadfiles/files/22UP_Gorakhpur_sfcp-min.pdf

Development, Govt. of India (2019). Slum Free City Plan of Action - Varanasi.
Retrieved from http://mohua.gov.in/upload/uploadfiles/files/24UP_Varanasi_sfcp-
min.pdf
6. Directorate of Census Operations, Uttar Pradesh (2011). District Census Handbook

Varanasi Part XII B. Retrieved
from https://censusindia.gov.in/2011census/dchb/0966_PART_B_DCHB_VARANASI.
pdf

Gorakhpur Part XII B. Retrieved
from https://censusindia.gov.in/2011census/dchb/0907_PART_B_DCHB_GORAKHP
UR.pdf

Lucknow Part XII B. Retrieved
from https://censusindia.gov.in/2011census/dchb/0926_PART_B_DCHB_LUCKNOW
.pdf

Gorakhpur Part XII B. Retrieved
112
Gorakhpur District
from https://censusindia.gov.in/2011census/dchb/0957_PART_B_DCHB_GORAKHP
UR.pdf
10. Dr. K.J.S. Satyasai, Dr. Ashutosh Kumar (2020). NAFINDEX: Measure of Financial
Inclusion based on NABARD All India Rural Financial Inclusion Survey (NAFIS) Data,
NABARD Working Paper 2020-1.
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REPORT ON

Unorganized Sector Status and Plans

Exhibit 1: Critical Issues ......................................................................................................... 13

1. About the report

○ Data from Economic Census

○ Data from Population Census of 2011

○ Data from ILO reports

○ Data gathered from media reports

○ Data from white papers by non-governmental organizations

○ Data from Google Maps (showing various establishments)

○ Ministry of Housing & Urban Affairs, Govt of India reports

○ Finance Commission Reports

• Secondary Research Extrapolation

- % of unorganized sector in the total working population

○ Application of Assumptions to extrapolate secondary research data to current times

○ Establishing “Households” as the base

○ Application of Sampling Formulae on a Locality Level, based on a concept of “level of

○ List of Rules defined for on ground level survey:

- Rules on the kind of distribution that is expected

- List of Red Alerts to be evaluated daily (where numbers go extremely different

○ Details of Sampling Methodology is provided in Chapter A: Definitions &

● On-ground Survey (based on Sampling)

○ 25 enumerators deployed for Gorakhpur

○ Survey collection done based on instructions provided at the time of Sampling

○ Daily Review of data based on which enumerators were instructed to improve

- Audit based on excess “Null” records

○ Final Cleaning of Data

○ Secondary Research data is taken to know how to extrapolate

○ Location Weight Calculation: This is needed to account for irregularities in collection of

○ Calculation of the most significant driver

- Coefficient of Correlation (geometric mean of regression coefficients) was

○ This entire formula has been automated for the dashboard.

○ Extrapolation Methodology is briefly explained in Chapter A: Definitions &

● Analytics on extrapolated numbers

○ Basic analytics is performed on extrapolated numbers

○ Comments are provided for each such output

○ Suggestions are part of the comments

● Defining Health Status Score

○ Derivation of relevant Indicators

○ Use of the finalised Indicators for calculating Scores

○ Purpose and Definition of Health Status Score

- Indicators: Defined in Chapter A: Definitions & Methodologies

● Defining Financial Status Score

○ Derivation of relevant Indicators

○ Use of the finalised Indicators for calculating Scores

○ Purpose and Definition

- Indicators: Explained in Chapter A: Definitions & Methodologies

● Defining Socio-Economic Score

○ Employee Satisfaction Score:

- This is a perception driven survey-based calculation of % positive employee

- The benchmarks are taken based on satisfaction benchmarks provided by leading

○ Comparator without Benchmarks: In the current report, scores are to be a comparator

○ Multiple Solutions for each major Conclusion

- Based on the shortlisted policies, a final policy is proposed

- Detailed financial plan for the policy is designed

○ Activity Level Recommendations

- The micro-policies are merged with the final policy

● Dashboard and Final Policy Plan

1.2. Limitations in the Report

Mukhyamantri Accelerator plan for Unorganized Sector (MANUS/मानस)

2.2. Critical Issues

Exhibit 1: Critical Issues

TYPE OF ISSUE EXTENT OF ISSUE (QUANTIFICATION)