Students even of junior classes join coaching centres to score high in annual exams and boards. Are these coaching centres beneficial, and do they give students an edge over those who do not take coaching? If yes, then how? The question has emerged as a debatable issue whether students need extra coaching or not. 

To answer the above questions, we have to think and get familiar with the benefits and the drawbacks of coaching centres/classes. 

Benefits of a Coaching Centres:

Following are the benefits of a coaching centre:- 

• Correct and Proper guidance: 

Students in adolescence are confused as they enter the new education world. Students need to prepare for the boards, entrance exams, and competitive exams. Coaching centres not only provide them guidance in the study but also provide career guidance. For students studying for boards, proper guidance is beneficial to decide their future stream of study. They make students aware of the options available as per their calibre and interest. 

• Subject Specific Studies: 

Not everyone is good in all the subjects. In some subjects, individuals need extra focus and guidance. At Schools and in regular classes, it is not possible to get much attention. These coaching centres do provide subject-specific coaching like math, physics, chemistry, etc. It helps students to curb their weak subjects and improve their overall grades. 

• Personalization: 

At schools, a teacher has to teach the whole class. Teachers have a limited time to complete the syllabus in time as per the teaching plans. They can’t provide that much attention to each individual. Coaching centres focus on every individual and properly guide them in the subject students show interest in. They focus on the development and learning as per the requirement.

• Utilization of extra time:

In student life, after school/lecture timings, students have a lot of spare time on social media, games, and movies. Coaching can be the best utilization of the spare time by fixing a daily routine for additional studies. Undoubtedly, extracurricular or non-academic activities are suitable for relaxation, but spending more time than required may be counterproductive. In coaching classes, students can focus more on their studies yet have enough time to relax. 

• New learning styles, tips, and tricks:

In schools, every student is taught the same patterns. At coaching centres, they develop different styles for students with different understanding. Students in coaching centres preparing for competitive exams are taught some conceptual tricks and tips that help solve problems quickly, can’t obtain such guidance from self-study. 

• Employment:

One benefit not for students but teachers is that many part-time teachers can work and earn in coaching institutes on getting. Even some students of a higher level course teach part-time and gain experience.

Adverse Effects of Coaching Centres:-

Now, let’s talk about the adverse effects of coaching institutions.

• Extra expenditure:

Costs of education are rising rapidly. So do the coaching costs. Students who need extra attention have to pay extra money as a coaching fee. Some students, who are not financially that strong, get deprived of this facility. Some parents do provide coaching to their kids, but this financially strains them. Institutions giving coaching for government exams like IAS charge a fairly unimaginable amount as fees. Some prominent institutions have package fees of nearly 1.5 lakh rupees for the session.

• Extra burden on students:

Students spent their time with books at school. Even after school hours, some students spend even more time coaching for every different subject. Many students preparing for JEE and other entrance level exams take tuition for different subjects from morning to evening. They also get a lot of homework from school and coaching centres to practice more and more. This imposes a lot of pressure on students. We are well aware of the suicide news of students due to academic pressure. Recent news related to this came from Dhanbad. Not only that, many students face depression and suffer physically and mentally.

• Misleading Advertisements:

Coaching centres give full-page newspaper advertisements of their success. But in many cases, they are not what they are presented. This misleads the students to take admission to these institutions. In major institutions, students are divided into groups like A1, A2, and so on. Students with already high intelligence are placed in one group, and the best coaching is given to them. Institutions then cash their success by attracting students and place them in other groups where no same facilities and expert guidance is provided.

• No practical approach & kills Creativity:

Coaching centres do not provide any practical approach. Its app learning—forgetting—learning again and practising theoretically. This only increases pressure and kills the Creativity of the students. Creativity is a much-needed attitude for a successful career also. 

• Immorality:

Coaching has come up as a rapidly growing industry. Coaching centres are being more focused on making money. They admit almost every student without taking proper entrance and promise results. Some teachers of schools also give tuitions at home after hours. Parents think their child will get extra attention from the same teacher. Many teachers do not teach appropriately at school to persuade students for tuition. This should not happen. We can say extra coaching is promoting immorality also.

• Conditions of Students:

India resides in Villages. Students of villages and outlying areas can’t approach these centres easily, which are housed in big cities. Some government exam aspirants make tremendous efforts. They go to cities, live in a hostel away from their parents, and pay colossal rent and coaching fees. But they do not get proper facilities as promised.

The research was done on Kota institutions, and hostels and results came out that most facilities are just satisfactory, lots of pressure is on students, coaching is not that good that it was promised, Hostels lack safety and medical facilities, students in hostel feels homesick and above of all, Kota witness more than a dozen suicides of aspirants every year.

• The original purpose is not fulfilled:

At famous and significant coaching centres, there is a large number of students. The teacher comes and explains the topic. If anyone has a doubt, he may or may not ask in front of all the students. So, if a student is leaving the centre still filled with doubts and didn’t get personal attention, the original purpose is not fulfilled.

Conclusion:

An unbiased answer to the question is complex. These days, many coaching centres have diverted their attention to profit-making only. We also can’t ignore the good centres where students get the proper guidance. This is undoubtedly an extra burden on parents’ pockets, but if the desired results are achieved, it’s not a bad deal. In the end, it is advised that students who already have good grades and can focus on getting better with self-study should not have institutions to get everyone on going there. Practice and knowledge are all that it matters in the end. 

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What is ERUPI Digital Payment System?

In this world of digitalization, people are getting cashless. Almost everyone is using e payment apps these days for making daily transactions directly from their bank accounts. Digital payments are simple, quick and, don’t require any physical handling of cash. To make it even simpler, this new contactless payment system has been launched. ERUPI is an initiative of the Indian government to bring a prepaid voucher system as an addition to the Digital India campaign. Its use is entirely cashless and contactless. This system has been developed by the National Payments Corporation of India (NPCI), which is responsible for managing e-transactions. Other government bodies like the Ministry of Health & Family Welfare, National Health Authority, and Department of Financial Services have also collaborated for the venture. 

This payment system has been developed to make the e-transactions smooth and simplified. ERUPI does not require any debit or credit card or any digital payments app. 

These vouchers are directly transferable to the beneficiary’s mobile number. Vouchers can be used for services like health or can be gifted.

The primary purpose of these vouchers is to deliver government benefits to the general public.

Benefits of ERUPI Digital Payment System

Here are the amazing benefits of the ERUPI Digital Payment System:- 

• Being contactless and cashless, it does not require the sponsor (issuer) of a voucher and the beneficiary to interact physically. 

• Simple tap-to-pay prepaid vouchers make it very easy to use, even for the illiterate population.

• ERUPI payment system is a person-specific payment system, so; only the true beneficiary can use it. The voucher amount too can be used only for the purpose it was issued. This will help the government provide service benefits like health care to the public in a better way.

• In the ERUPI payment system, the security aspect is more prominent. It assures a leakproof payment without the threat of any fraud. 

• The service provider will only get money when service is duly provided to the beneficiary.

• Not only the public sector but private organizations can also use these vouchers for employee welfare programs.

• ERUPI payments do not require any service provider or intermediary for completing the transactions.

• An E-voucher will be completely traceable. Government can trace every single Voucher and know about its usage.

•  These vouchers are non-transferrable. Hence only the original user can be able to avail of its benefit.

• By eliminating the middleman, there will be more transparency in the system, unlike the previously used methods where intermediaries exploited familiar people.

How Does ERUPI Digital Payment System Works?

The payments with this platform work in two ways:-

• QR Code
• E-vouchers based on SMS-String

The issuer can send a link to the beneficiary for the QR code of the Voucher via SMS. A beneficiary can click on the link and get the redeemable Voucher.

It is beneficial for delivering the service benefits to the beneficiaries by connecting them with the sponsor of the service without any physical contact. The best part is that it is a purpose-specific voucher. It means one can use the Voucher only for the purpose it was issued. For example, if the beneficiary got a voucher from the Department of health and family welfare for vaccination, that particular Voucher can only be used for that purpose. A beneficiary cannot use that Voucher for any other purpose.

Some banks are issuing vouchers as well you can check here. One who wishes to create a voucher to give it to someone can get it from the website. The website will be available soon. You can check the list of banks accepting issuers and acquirers of the ERUPI system below.

Secure Payments with ERUPI

We all are using digital methods for making our day-to-day payments. Some carry a card, or some just using Unified payment interfaces. But there is a constant fear of stuck payments. Money gets deducted but didn’t receive by the recipient. Or a threat of fraud in digital payment is always following us. This is not the same with ERUPI. It ensures a leakproof payment from the sponsor of the Voucher to the beneficiary and from the beneficiary to the service provider. 

As it is already prepaid, it promises hassle-free payment to the service provider without the involvement of any other intermediary. This system also ensures that the payment is made to the service provider only after the transaction is done. This means the beneficiary had received the service he is paying for.

This is a person-specific payment method. The Voucher can be used only by the person to whom the Voucher was issued. The identification of the beneficiary is made with the help of a mobile number. The Voucher can only be redeemed from the beneficiary’s mobile number. This makes sure that the benefit is delivered to the right person. This makes it a more secure way of payment too.

CONCLUSION

This new method can revolutionaries electronic payments system. This system can be advantageous for the government to directly deliver various welfare schemes to the beneficiaries. It will ultimately lead to the proper use of government welfare schemes as there will be no middlemen, and the benefit amount will be used for the right and specified purpose only and won’t be misused. This can be an instrumental initiative for the common public as it is supposed to deliver the benefits of various government schemes efficiently. 

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