168 lakh
community outreach through trainings and awareness programmes
13.6 lakh
linkage applications mobilised towards banking and other financial services
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Setting up a physical centre (the hub)

With required infrastructure/ functionalities, where customers/ community members could walk into and seek support for documentation and counselling

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Developing highly visual training content

Flipbooks, Audio-visuals, games - to drive key messages based on education through entertainment model

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Extensively training on-ground field staff

Resources handpicked from the same block, who can communicate in the local dialect

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Creating a local, trained cadre at community level

Who can support the on-ground field staff

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Regularly coordinating with all bank branches

Financial service providers, and block/ district administration, which helped provide a supportive environment

Hub spoke approach
We have adopted a hub-and-spoke approach for this pilot project as illustrated below:
Hub spoke approach
Stories of empowerment
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Access at the Fingertips...

District: Chamoli, Uttarakhand

A trip to Dewal market to buy daily essentials or for bank-related work is a 47 km journey for the people of this village.

Due to the rough terrain and lack of infrastructure, villagers have to travel 7 km solely on foot and the rest 40 km by road. That turns out to be a costly, time-consuming affair.

Our CFL trainings informed the people of Dewal about digital banking.

They seemed apprehensive at start, as accessibility to internet was beyond their wildest dreams, but when explained the ease of dialing *99# to see their savings and bank account details without internet hassles, they were thrilled as convenience is now at their fingertips.

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Jai Kisan! (credit card)

District: Jhajjar, Haryana

Surender Singh is a farmer in the Jhajjar district of Haryana. He needed money urgently for farming. 

He approached his family members and the local moneylender for financial help, but without success. 

At a camp organised by CFL, he heard about the Kisan Credit Card scheme. He gathered more information, especially about its benefits. 

A loan of Rs. 1.1 lakh, sanctioned within 10 days of application, has allowed him to purchase the required farm goods.

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Weaving an Empowering Story

District: Ganderbal, Jammu & Kashmir

CFL Kangan organised awareness programmes in the Ganderbal district of Jammu and Kashmir to meet and educate the various stakeholders. 

Afrooza Bano, a young beneficiary, took a loan of Rs 2,00,000 from J&K Bank with the help of the CFL team to take her embroidery business to the next level.

She has expanded her business along with 10 other women and is working towards make their lives prosperous through a target-oriented approach. This journey is truly an inspiring one.

Afrooza thanked the CFL team for its support and guidance through the awareness campaigns.

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