Financial Consumer Protection

Enhancing Financial Protection of Consumers in Particular Women through Financial Literacy Initiatives

Supported under Consumer Welfare Fund, Department of Consumer Affairs of Ministry of Food and Consumer Affairs, Government of India

Synthesis Report of Cluster Trainings

Background

Through various studies and interventions of CUTS, it has been observed that poor and vulnerable communities, especially women in rural areas are unable to get rid of poverty due to poor savings and lack of investment habits and lack of financial inclusion. Women are more vulnerable compared to their male counterparts mainly because they do not have means and control over finances, although women have important contribution in livelihood activities. But since the decision making is with the male members who have access to other financial services, spending and investment priorities are seldom in favour of women.

Consumer Unity & Trust Society (CUTS) with the support of Department of Consumer Affairs, Ministry of Consumer Affairs, Food & Public Distribution, Government of India is implementing a project entitled, ‘Enhancing Financial Protection of Consumers in Particular Women through Financial Literacy Initiatives’ with following objectives.

Objectives

The main objectives included capacity building of the rural consumers, especially women in terms of financial literacy thereby enhancing their financial inclusion and other financial related involvements and boosting awareness, knowledge and skills among the target community on the financial decisions about savings, investments, borrowings, income and expenditure. In addition, overcome their vulnerability and ensure the community’s economic security by linking them with financial services and with the government/non- government development schemes.

Proposed Activities

The Project will be implemented in all 23 blocks of Bhilwara and Chittorgarh district. baseline study would be conducted to know the level of awareness of financial consumer rights, financial inclusion and identify required services which can be offered through banking sector or development schemes from government. Based on the outcome of baseline survey, consumers would be identified into Financial Literacy Groups in clusters. These groups would then be provided training with the support of expert trainers. Community-based Facilitators (CBFs) would be identified out of these groups, one for each group.

The CBFs identified would be groomed and involved in networking with various banks, financial institutions and government departments. CBFs are being involved with sustainability point of view to take the agenda forward even after the completion of the project.

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Hence, the Project aims at reaching out and empowering the most vulnerable rural consumers in order to improve their health, education and ensure other developmental needs and reduce gender inequality.

Key Activities of the Project

‘Financial Consumer Protection’ Project is being implementing in all 12 blocks in Bhilwara district of Rajasthan. The activities to be accomplished during the project period are as following:  Baseline survey  Identifying consumer groups focusing on women  Production of IEC materials  Project launch at district level  First round training  Identification of Community-based Facilitators (CBFs)  Periodic meetings of consumer groups  Annual and Final stakeholder’s consultation and dissemination meeting at each district Headquarters  Second round Training  Final Stakeholder’s Consultation  Project Dissemination and Advocacy Meeting  Final reports and managing accounts

Objectives of Cluster Trainings

The purpose of the trainings was to build the capacities of the rural consumers, especially women in terms of financial literacy there-by enhancing their financial inclusion and other financial related involvements, Enhance awareness, knowledge and skills among the target community on the financial decisions about savings, investments, borrowings, income and expenditure. In addition, help them overcome their vulnerability and ensure their economic security by linking them with financial services and with the government/non- government development schemes.

3 Schedule of Cluster Trainings (Chittorgarh-First Phase)

S. N. Date Cluster Block District Phase Participants Women Men Guest Total 1 08.09.17 Mevda Colony Kapasan Chittorgarh I 102 26 7 135 2 18.09.17 Chittorgarh HQ. Chittorgarh Chittorgarh I 41 15 8 64 3 10.10.17 Bhopalsagar HQ. Bhopalsagar Chittorgarh I 47 11 13 71 4 13.10. 17 Bengu Hq. Bengu Chittorgarh I 76 10 6 92 5 06.11.17 Bhadesar Hq. Bhadesar Chittorgarh I 47 7 7 61 6 08.11.17 Nimbahera Hq. Nimbahera Chittorgarh I 80 6 15 101 7 10.11.17 Barisadri Hq. Barisadri Chittorgarh I 132 6 14 152 8 21.11.17 Dungla Hq. Dungla Chittorgarh I 76 8 12 96 9 24.11.17 Gangrar Hq. Gangrar Chittorgarh I 62 2 7 71 10 16.12.17 Pahuna Rashmi Chittorgarh I 66 5 6 77 11 15.01.18 Borav Bhaisrodgarh Chittorgarh I 57 8 6 71 Total 786 104 101 991

Trainings of the First Phase (Chittorgarh)

There have been as many as 11 block level cluster trainings under the first phase of training as prescribed in the project activities between September to January, 2018. All these cluster meetings covered all topics as mentioned below. The resource persons also shared some facts and information about banking sector and financial literacy/inclusion and challenges faced by financial consumers. From the above table, it is evident that 991 people have been benefited from the meetings, out of which 786 were women participants.

Key Resource Persons as Speakers/Guests

In all the programmes, officials like Block Development Officers of Blocks; branch managers of various banks, officials from local National Bank of Agriculture and Rural Development (NABARD) office; officials from Financial Literacy Centres of Bank of Baroda and few other banks have been the key resource persons. Besides, representatives of Panchayati Raj Institution and local Members of Legislative Assembly (MLAs) have also been participating in these programmes in the capacity of guests.

4 Glimpses (First Phase)

5 Key Achievements from the Trainings

 Four women and a male member participated in the State Bank of India Insurance scheme in Pind village in Badisadri block  Women applied for labour card in Mevda Colony  15 Women applied for labour card in Kishanpura village in Nimbahera block  One woman Shankar Kanjari applied for Jeevan Suraksha Bima in Mevda Colony  Women applied for Labour card in Badisadri block  Women applied for Jeevan Suraksha Bima in Badisadri Block  One women and 1 men applied for Pradhanmantri Jeevan Jyoti Bima and Jeevan Suraksha Bima in Nimbahera block.

A Success Story Mevda Colony on the Way to Become Fully Financial Inclusion Village

Mevda colony is a revenue village of Kapasan block of Chittorgarh district, 40 km away from Chittorgarh. Mainly 250 families of Kanjar community lives in Mevda colony. Kanjar community is known as being attached to the trade of handcuffs liquor.

In terms of education, the village is quite backward. Women are also involved in trade of handcuffs liquor. They are less aware of government schemes meant for them.

Under the project, through baseline survey, it was revealed from nearly 250 families of the village that only 60 percent people have bank account.

In an effort to achieve the above objective, CUTS organised a workshop in Mevda Colony on September 08, 2017. Nearly 100 women participated in the workshop. By the training, the villagers could receive financial information as it empowered them with financial information specially the lower income group community. A camp was again organised in Mevda Colony to link villagers with labour card scheme on September 10, 2017. In this camp, 62 women and men applied for labour card and 100 men and women were linked with micro insurance schemes. CUTS also targeted that Mevda Colony should be a model village in terms of financial literacy in the district by December, 2018.

6 Schedule of Cluster Trainings (Chittorgarh)-Phase-II

S.N. Date Cluster Block District Phase Participants Women Men Guest Total 01 22.09.17 Bassi HO. Chittorgarh Chittorgarh 2nd 41 09 10 60 02 18.12. 17 Rashmi HQ. Rashmi Chittorgarh 2nd 49 20 8 77 03 16.01.18 Bhaisrodgarh Bhaisrodgarh Chittorgarh 2nd 50 10 8 68 04 20.01.18 Aakola Bhupalsagar Chittorgarh 2nd 52 2 11 65 05 21.01.18 Keli Nimbahera Chittorgarh 2nd 66 6 6 78 06 24.01.18 Mewda Kapasan Chittorgarh 2nd 48 8 5 61 Colony 07 18.02.18 Boheda Bari sadri Chittorgarh 2nd 55 14 5 74 08 19.02.18 Sadas Gangrar Chittorgarh 2nd 77 6 8 91 09 24.02.18 Nandvai Bengu Chittorgarh 2nd 130 2 6 138 10 26.02.18 Bansen Bhadesar Chittorgarh 2nd 78 4 10 92 11 08.03.18 Moravan Dungla Chittorgarh 2nd 52 10 6 68 Total 698 91 83 872

Second Phase Trainings (Chittorgarh)

There have been as many as 11 Gram Panchayat level cluster trainings under the first phase of training as prescribed in the project activities between September 2017 to March, 2018. All these cluster meetings covered all the topics as mentioned below. Besides, the resource persons also shared some facts and information about banking sector and financial literacy/inclusion and challenges faced by financial consumers. From Table 2, it is evident that 872 people have been benefited from the meetings, out of which 698 comprised women.

Methodology and Topics Covered

Firstly, financially needy and conscious women were identified and approached from remote villages before organising the workshop. These women were informed about the purpose of the workshop and later were invited at the workshop. At the venue, registration of the participants was done. The subject experts and local bankers informed the participants about the schemes related to finance. Information given by the experts on the following topics:  Method of opening bank account  Significance of transactions after opening the account

7  Opening saving accounts and Know Your Consumers (KYC)  Micro insurance plans and importance of pension  Atal Pension Yojna  Mudra Yojna  Personal and SHG loan  Grievance redressal  Doubt solution and curiosity of participants  Determination of further action plan and responsibilities

Key Resource Persons as Speakers/Guests

In all the programmes, officials like Block Development Officers; Branch Managers of various banks, officials from local National Bank of Agriculture and Rural Development (NABARD) office; officials from Financial Literacy Centres of Bank of Baroda and few other banks have been the key resource persons. Besides, representatives of Panchayati Raj Institutions and local Members of Legislative Assembly (MLAs) have also been participating in these programmes in the capacity of guests.

8 Glimpses (Second Phase)

9 Achievements

 One application was received for Jeevan Suraksha Bima from a female member in Dungla block  Another application was received from a woman for Jeevan Suraksha Bima in Borav in Bhainsrodgarh block  A labour card application from a female member was received from Bhadesar block.  Two applications were received from female members for labour card and another application from women applied for labour card and Jivan Suraksha Bima in Bhadesar block  Six applications were received from female members for Jivan Surksha Bima in Jharjhari village in Bhaisrodgarh block  Premium of 82 women of Jivan Surksha Bima declared by sarpanch of Sadas.

Success Story Women from Farming to Financial Literate

About 2000 families of poor (mainly Scheduled Caste) community live in Keli village. Keli, a Gram Panchayat of Nimbahera block of Chittorgarh district is 50 km far away from Chittorgarh. The community of Keli is involved in agriculture, labour work and self-employed. The village was found to be socially, economically and educationally low. Women are also involved in agriculture and labour work. However, they are still deprived of government schemes and less aware of the availability of financial schemes.

CUTS initiated the project in their locality to ‘Enhance Financial Protection of Consumers in Particular Women through Financial Literacy Initiatives’. A baseline random survey was conducted to know the status of awareness among the families. On the basis of survey, CUTS explored that people have bank accounts, but women are less aware of some micro insurance schemes.

In this regard, CUTS organised a workshop in Keli on January 21, 2018. Approximately, 62 women participated in the workshop. They became more aware of financial issues and schemes. One of the female participants – Gayatri Gayri, community facilitator possessed high level of awareness. After attending this workshop, she got associated with the micro insurance schemes, and thereafter nearly 43 women of her village also got associated with these schemes. Stringent efforts are being made to connect other community women for enhancing their quality of life.

10 Periodic Meetings for Consumer Groups in Chittorgarh

After completing 22 cluster trainings in the district, 11 periodic meetings have been organised in villages and blocks. Meetings were held in these places, where it can be ascertained to the level of financial literacy levels. The purpose of these periodic meetings was to follow with participants after the cluster meetings and to oversee the progress with regard to financial literacy.

Glimpses (Periodic Meetings)

11 Resource Persons of Cluster Trainings Chittorgarh District

S. N. Name Post Department P S District 1 Mr Sachin Badetiya DDM NABARD Chittorgarh Chittorgarh 2 Dr Kalpana Sharma BDO Panchayti Raj Kapasan Chittorgarh 3 Mrs Snehlata Mandovra Sarpanch G P Mungana Kapasan Chittorgarh 4 Mr Madan Lal Salvi B.O.S.W. Labour Department Chittorgarh Chittorgarh 5 Mr Arvind Purohit FLC BRKGB Chittorgarh Chittorgarh 6 Mr Satynarayan Regar Dept. Sarpanch G P Nagri Chittorgarh Chittorgarh 7 Mr Ramlal Bairwa Ward Panch G P Nagri Chittorgarh Chittorgarh 8 Mr Ramnarayan Jat Retd. Manager BRKGB Chittorgarh Chittorgarh 9 Mrs Anju Kanwar Sarpanch G P Bassi Chittorgarh Chittorgarh 10 Mr Dinesh Khattri Retd. Banker CKSB Chittorgarh Chittorgarh 11 Mrs Kavita Sharma Teacher DPS School Chittorgarh Chittorgarh 12 Mrs Priyanka Purohit Principal DPS School Chittorgarh Chittorgarh 13 Mr Arvind Purohit FLC BRKGB Chittorgarh Chittorgarh 14 Mr Ramnarayan Jat Retired BRKGB Chittorgarh Chittorgarh Manager 15 Mr Rajendra Ladda MNAREGA Panchayat Bengu Chittorgarh 16 Mrs Ragini Damor SDM SDM Bengu Chittorgarh 17 Mr G L Soni Sarpanch GP Rashmi Chittorgarh 18 Mr L L Sukhwal Principal Government. Sr. Rashmi Chittorgarh Sec. School 19 Mrs Snehlata Vyas L S ICDS Rashmi Chittorgarh 20 Mr G L Sharma Secretary G P Rashmi Rashmi Chittorgarh 21 Mr Pankaj Sharma SDM Rashmi Chittorgarh 22 Mrs Rekha Vyas President Mahila Morcha Rashmi Chittorgarh 23 Mr PK Tanwar Branch Manager BRKGB Rashmi Chittorgarh 24 Mr BL Sharma Block Prabhari NGO Rashmi Chittorgarh 25 Mr Navratan Jingar Reporter Dainik Nav. Rashmi Chittorgarh 26 Mr Ganpat Sharma Secretary Panchayati Raj Bhaisrodgarh Chittorgarh 27 Mr Vijay Kumar Social Worker Consumer Service Bhaisrodgarh Chittorgarh 28 Mrs Renul Gautam Officer BOB Bhaisrodgarh Chittorgarh 29 Mr O P Bhambi Principal Vidhya Bharti Bhaisrodgarh Chittorgarh 30 Mr R S Parashar President NGO Bhupalsagar Chittorgarh 31 Mr Anil Gahlot Sarpanch GP Akola Bhupalsagar Chittorgarh 32 Mrs Sushila Bunkar President NGO Bhupalsagar Chittorgarh 33 Mr P K Soni Branch Manager BRKGB Akola Bhupalsagar Chittorgarh 34 Mr Rameshwar Lal Asst. Secretary GP Akola Bhupalsagar Chittorgarh 35 Mrs Rinku Balai Sarpanch GP Keli Nimbahera Chittorgarh 36 Mrs Sunita Maloo Sarpanch GP Boheda Badisadri Chittorgarh 37 Mr Gopal Maloo Social Worker Badisadri Chittorgarh

12 S. N. Name Post Department P S District 38 Mr Roshan Singh Assistant Rajivika Badisadri Chittorgarh Coordinator 39 Mr Abdul Latif Social Worker Badisadri Chittorgarh 40 Mrs Chetna Meghwal Pradhan Panchayati Raj Badisadri Chittorgarh 41 Mr Sanjay Vaishnaav Sarpanch GP Sadas Gangrar Chittorgarh 42 Mr Vishnudatt Agarwal Branch Manager BRKGB Bansen Chittorgarh 43 Mr Devilal Sukhwal BC BRKGB Bansen Chittorgarh 44 Mrs Bhagwanti Nahar Sarpanch G P Bansen Bansen Chittorgarh 45 Mrs Sonia Jain Emershan Cadar Raaajivika Bengu Chittorgarh

Schedule of Cluster Trainings (Bhilwara-First Phase)

S. N. Date Cluster Block District Phase Participants Women Men Guest Total 1 19.09.17 Suwana Hq. Suwana Bhilwara I 60 4 11 75 2 27.09.17 Banera Hq. Banera Bhilwara I 43 11 2 56 3 04.10.17 Mandalgarh Hq. Mandalgarh Bhilwara I 46 10 3 59 4 09.10.17 Sahada Hq. Sahada Bhilwara I 39 8 3 50 5 11.10.17 Shahpura Hq. Shahpura Bhilwara I 54 0 8 62 6 13.10.17 Jahajpur Hq. Jahajpur Bhilwara I 55 2 4 61 7 02.11.17 Bijoliya Hq. Bijoliya Bhilwara I 70 5 5 80 8 07.11.17 Raipur Hq. Raipur Bhilwara I 57 0 5 62 9 09.11.17 Asind Hq. Asind Bhilwara I 53 0 4 57 10 13.11.17 Hurda Hq. Hurda Bhilwara I 69 0 5 74 11 16.11.17 Mandal Hq. Mandal Bhilwara I 51 0 7 58 12 08.12.17 Kotri Hq. Kotri Bhilwara I 65 0 3 68 Total 662 40 60 762

First Phase Trainings (Bhilwara)

There have been as many as 12 block level cluster trainings under the first phase of training as specified in the project activities between September to December, 2018. These cluster meetings covered the themes as mentioned below. The resource persons also shared few facts and relevant information regarding banking sector and financial literacy/inclusion and challenges faced by financial consumers. From the above table, it is evident that 762 people have been benefited from the meetings, out of which 662 were women participants.

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Methodology and Topics Covered

Firstly, financially needy and conscious women were identified and approached from remote villages before organising the workshop. These women were informed about the purpose of the workshop and later were invited at the workshop. At the venue, registration of the participants was done. The subject experts and local bankers informed the participants about the schemes related to finance. Information given by the experts on the following topics:  Process of opening of bank accounts significance of transactions after activation of bank account  Opening savings account and KYC  Micro insurance plans and importance of pension  Atal Pension Yojna  Mudra Yojna  Personal and SHG loan process  Grievance redressal  Resolving queries of the participants  Determination of further action plans and responsibilities

Key Resource Persons as Speakers/Guests

In all the programmes, officials like Block Development Officers; Branch Managers of various banks, officials from local NABARD office; officials from Financial Literacy Centers of Bank of Baroda and other banks were the key resource persons. Besides, representatives of Panchayati Raj Institutions and local MLAs have also been participating in these programmes in the capacity of guests.

14 Glimpses (First Phase)

15 Achievements

 Applications from five women for Pradhanmantri Jeevan Suraksha Beema Yojna and Pradhanmantri Jeevan Jyoti Beema in Kamalpura.  Applications were received from six women for Pradhanmantri Jeevan Suraksha Beema Yojna and Pradhanmantri Jeevan Jyoti Beema in Lapya  Applications were received from two women for Atal Pension Yojna in Lapya  An application was received from for Pradhanmantri Jeevan Suraksha Beema Yojna and Pradhanmantri Jeevan Jyoti Beema in Banera Headquarters  Applications were received from two women for Pradhanmantri Jeevan Suraksha Beema Yojna and Pradhanmantri Jeevan Jyoti Beema in Arjiya  Applications were received from 10 women for Pradhanmantri Jeevan Suraksha Beema Yojna and Pradhanmantri Jeevan Jyoti Beema in Kosithal  Applications were received from three women for Atal Pension Yojna in Kosithal  Applications were received from five women for Mudra Yojna in Kosithal

Success Story Gadiya Luhar Community

Dhanni Bai living in Shahpura block of Bhilwara District. She is from Gadiya luhar (nomadic ironsmith) community. The community was not much aware of the financial schemes implemented by the government. They were unaware of the banking and insurance services, and were not holding any bank accounts. CUTS Centre for Human Development (CHD) organised a financial literacy workshop in Shahpura block and the selected women from Gadiya Luhar community were invited in this workshop.

In the workshop, Dhanni Bai acquired an insight of banking, micro insurance and Mudra scheme. Dhanni Bai emerged out as one of the successful lady in her area, Dhanni Bai not only participated in financial literacy workshop, but also served as a community-based facilitator. She motivated the women from vulnerable community of her nearby locality and as a result of her encouragement, she opened 30 bank accounts, linked them with micro insurance schemes like Pradhanmantri Jeevan Suraksh Bima and Pradhanmantri Jeevan Jyoti Bima Yojna and some of them applied for Pradhanmantri Mudra Yojna for their own business set-up. Dhanni Bai is continuing spreading awareness and knowledge of banking services to the nearby areas women.

16 Schedule of Cluster Trainings (Bhilwara) Second Phase

S. N Date Cluster Block District Phase Participants Women Men Guests Total 1 15.12.17 Gurla Suwana Bhilwara II 51 0 3 54 2 19.12.17 Rayla Banera Bhilwara II 66 5 9 80 3 27.12.17 Bigod Mandalgarh Bhilwara II 68 0 2 70 4 30.12.17 Koshithal Sahada Bhilwara II 49 0 5 54 5 09.01.18 Sangariya Shahpura Bhilwara II 56 0 9 65 6 11.01.18 Khajoori Jahajpur Bhilwara II 60 0 6 66 7 16.01.18 Rupaheli Hurda Bhilwara II 68 0 6 74 kala 8 18.01.18 Mod ka Asind Bhilwara II 78 0 8 86 Nimbahera 9 22.01.18 Mokhunda Raipur Bhilwara II 59 0 6 65 10 25.01.18 Bagor Mandal Bhilwara II 55 0 6 61 11 06.02.18 Tilaswan Bijoliya Bhilwara II 65 0 6 71 12 20.02.18 Paroli Kotdi Bhilwara II 70 0 7 77 Total 745 05 73 823

Trainings of Second Phase (Bhilwara)

There have been as many as 12 Gram Panchayat level cluster trainings under the first phase of training as prescribed in the project activities between December, 2017 to February, 2018. All these cluster meetings covered all the topics as mentioned below. The resource persons also shared some facts and information about banking sector and financial literacy/inclusion and challenges faced by financial consumers.

From above table, it is evident that out of 823 people that got benefitted from the meetings, 745 comprised women participants.

Methodology and Topics Covered

Firstly, financially needy and conscious women were identified and approached from remote villages before organising the workshop. These women were informed about the purpose of the workshop and later were invited at the workshop. At the venue, registration of the participants was done. The subject experts and local bankers informed the participants about the schemes related to finance. Information given by the experts on the following topics:

17  Process of opening of bank accounts significance of transactions after activation of bank account  Opening savings account and KYC  Micro insurance plans and importance of pension  Atal Pension Yojna  Mudra Yojna  Personal and SHG loan process  Grievance redressal  Resolving queries of the participants  Determination of further action plans and responsibilities

Key Resource Persons as Speakers/Guests

In all the programmes, officials like Block Development Officers; Branch Managers of various banks, officials from local NABARD office; officials from Financial Literacy Centres of Bank of Baroda and few other banks have been the key resource persons. Besides, representatives of Panchayati Raj Institutions and local MLAs have also been participating in these programmes in the capacity of guests.

18 Glimpses (Second Phase)

19 Achievements

 Applications were received from four women Pradhanmantri Jeevan Suraksha Beema Yojna and Pradhanmantri Jeevan Jyoti Beema in Malikheda of Kotri block.  Applications were received from six women applied for Pradhanmantri Jeevan Suraksha Beema Yojna and Pradhanmantri Jeevan Jyoti Beema in Nehru Nagar Kotri block  Applications were received from three women for Pradhanmantri Jeevan Suraksha Beema Yojna and Pradhanmantri Jeevan Jyoti Beema in Kholpura of Kotri block  Applications were received from four women applied for Pradhanmantri Jeevan Suraksha Beema Yojna and Pradhanmantri Jeevan Jyoti Beema in Dhunwala of Mandal block  Applications were received from four women for Pradhanmantri Jeevan Suraksha Beema Yojna and Pradhanmantri Jeevan Jyoti Beema in Mandal block Headquarters  Applications were received from four women for Pradhanmantri Jeevan Suraksha Beema Yojna and Pradhanmantri Jeevan Jyoti Beema in Gurla of Suwana block  An application was received from a women MUDRA Yojna in Gurla of Suwana block  Applications were received from three women for Pradhanmantri Jeevan Suraksha Beema Yojna and Pradhanmantri Jeevan Jyoti Beema in Dhunwala of Mandal block  Applications were received from five women for Pradhanmantri Jeevan Suraksha Beema Yojna and Pradhanmantri Jeevan Jyoti Beema in Mandal block Headquarters  Nearly 30 bank accounts were opened in various banks by CBF Dhannibai in Shahpura block

Success Story Pondras Comprehensive Financial Literacy Campaign Pondras, a small village of Rupaheli Gram Panchayat of Suwana block in Bhilwara District, which is 17 km from Bhilwara District headquarter. Before the training, the village community was not much aware with financial schemes implemented by the government. CUTS Centre for Human Development organise its first Financial Literacy workshop in Suwana block, the women of Pondras village participated in the workshop, and they acquired awareness of financial schemes by financial experts of banks.

In addition, they also acquired relevant financial information as it empowers people of lower income group financially. After attending the workshop on September 19, 2017 in Suwana block. About 10 women and men opened the bank

20 account, and 15 women were linked with micro insurance schemes. CUTS Centre for human development also targeted that Pondras should be a model village in financial literacy in the district. So CUTS Center for human development conducted a base survey of Pondras village over 318 people, to know the status of awareness level of such financial schemes, CUTS find out on the findings of survey that people are less aware some of financial schemes and not very initiative to avail banking services.

CUTS started a campaign named ‘Comprehensive Financial Literacy Campaign’ to link 100 percent target Community with such financial schemes. Endless efforts are being made to convert Suwana to total financially literate till December 2018.

Periodic Meetings for Consumer Groups

After completing 24 cluster trainings 12 periodic meetings were accomplished in Kotri, Mandal, Suwana, Dhunwala, Gurla, Iras, Mandalgarh, Bijoliya, Tilaswan, Shahpura, Jahajpur, Jeevliya and Sangariya villages and blocks. Meetings were held in these places.

21 Glimpses (Periodic Meetings)

22 Resource Persons District-Bhilwara

S.N. Name Post Department P.S. District 1 Mr R S Prajapati BDO Panchayati Raj Suwana Bhilwara 2 Mr SQM Ali D M Labor Dept. Bhilwara Bhilwara 3 Mr J K Chaudhary Asst. Manager Bank of Baroda Suwana Bhilwara 4 Mr R C Meena Director RUDSET Sansthan Suwana Bhilwara 5 Mr Amardeep Singh Programme Officer CUTS CART Jaipur Jaipur 6 Ms Anita Verma APO Panchayati Raj Suwana Bhilwara 7 Mr George Cheriyan Director CUTS International Jaipur Jaipur 8 Mr Dinesh Kumar PPO Panchayati Raj Suwana Bhilwara 9 Mr Pukhraj Nahar FLC Bank of Baroda Bhilwara Bhilwara 10 Mr Parakram Singh Ex MLA , Sarpanch Panchayati Raj Banera Bhilwara 11 Mr Jagdish Gagrani PPO Panchayati Raj Banera Bhilwara 12 Mr Pukhraj Nahar FLC Bank of Baroda Bhilwara Bhilwara 13 Mr Dinesh Charan Branch Manager Bank of Baroda Sahada Bhilwara 14 Mr Ram Singh Principal R.E.S. Sahada Bhilwara 15 Mr Pawan Bangad Branch Manager Bank of Baroda Shahpura Bhilwara 16 Mr Ramraj Meena Principal R.E.S. Shahpura Bhilwara 17 Mrs Archana Maurya BDO Panchayati Raj Jahajpur Bhilwara 18 Mr Shivji Ram Pradhan Panchayat Samiti Jahajpur Bhilwara 19 Mrs Karma Jat Programme Officer MNAREGA Jahajpur Bhilwara 20 Mr Raju Meena Assistant Manager Bank of Baroda Jahajpur Bhilwara 21 Mr Jagdish Prasad BDO Panchayati Raj Kotdi Bhilwara Sharma 22 Mr Neeraj Gurjar Social Worker Kotdi Bhilwara 23 Mrs Suman Jingar Sarpanch Gurla Panchayati Raj, Gurla Suwana Bhilwara 24 Mr PK Saikda Branch Manager BRKGB Gurla Suwana Bhilwara 25 Mr Dilip Nuwal Social Worker Rayla Banera Bhilwara 26 Mr Jitendra Singh Branch Manager SBI Rayla Banera Bhilwara 27 Mr Shivdayal Cheepa Sarpanch Panchayati Raj. Rayla Banera Bhilwara 28 Mr KP Kogta Public Rayla Banera Bhilwara Representative 29 Mr Deepak Saxena Assistant Director CUTS CART Jaipur Bhilwara 30 Mr Dheer Singh Program Associate CUTS CART Jaipur Bhilwara 31 Mr Prem Kumar Branch Manager Union Bank Of India, Mandalgarh Bhilwara Bigod 32 Mr Dinesh Arya Rojgar Sahayak Gram Panchaya,t Bigod Mandalgarh Bhilwara 33 Mr D S Solanki Branch Manger BRKGB Kosithal Sahada Bhilwara 34 Mr Uday lal Jat LDC Gram Panchayat, Sahada Bhilwara Koshithal 35 Mr Goverdhan Jat Sarpanch Gram Panchayat, Sahada Bhilwara

23 S.N. Name Post Department P.S. District Koshithal 36 Mr Ramdhan Jat Secretary BRKGB Sangariya Shahpura Bhilwara 37 Mr B P Sarswat Branch Manger BRKGB Sangariya Shahpura Bhilwara 38 Mr Sawarmal Gurjar Sarpanch Gram Panchayat, Shahpura Bhilwara Sangariya 39 Mr Abhishek Padliya PA RSLDC Shahpura Bhilwara 40 Mr Sitaram Gurjar Secretary Gram Panchayat, Khajoori Jahajpur Bhilwara 41 Mrs Jyoti Pareek Sarpanch Gram Panchayat, Khajoori Jahajpur Bhilwara 42 Mr P K Maheshwari Branch Manger BRKGB Khajoori Jahajpur Bhilwara 43 Mrs Rajiya Begum L S ICDS Khajoori Jahajpur Bhilwara 44 Mrs Gaytri Devi Sarpanch G P Rupaheli Hurda Bhilwara 45 Mrs Asha Garg L S ICDS Rupaheli Hurda Bhilwara 46 Mr Bhavesh Bhargav Branch Manger BOB Rupaheli Hurda Bhilwara 47 Mr Narendra Singh Social Worker Rupahelikala Hurda Bhilwara 48 Mr Shankarlal Bheel Sarpanch GP Mod ka Nimbahera Asind Bhilwara 49 Mr Mahesh Meena Branch Manger Central Bank Of India Asind Bhilwara MKN 50 Mrs Shashikala Gram Sathin ICDS MKN Asind Bhilwara Pareek 51 Mr Gopal Soni Sarpanch Gram Panchayat, Raipur Bhilwara Mokhunda 52 Mrs Pratibha Soni L S ICDS Mokhunda Raipur Bhilwara 53 Mr R K Sharma Branch Manger BRKGB Mokhunda Raipur Bhilwara 54 Mrs. Ganga Kheechi L S ICDS Bagor Mandal Bhilwara 55 Mrs Jyoti Devpura Sarpanch Gram Panchayat, Bagor Mandal Bhilwara 56 Mr O P Palsaiya Branch Manager BRKGB Bagor Mandal Bhilwara 57 Mr. Ganesh Sain MNAREGA GP Tilaswan Bijoliya Bhilwara 58 Mr Vishnu Nagar Assistant Manager BRKGB Kasyankala Bijoliya Bhilwara 59 Mr Rajkumar Sain Sarpanch Gram Panchayat, Tilaswan Bijoliya Bhilwara 60 Mr Prithviraj Meena Bank Mitra BRKGB Kasyankala Bijoliya Bhilwara 61 Mrs Sushila Sharma LS ICDS Kotdi Kotdi Bhilwara 62 Mrs Renu Sodani Panchayat Gram Panchayat, Paroli Kotdi Bhilwara Sahayak 63 Mr Balu lal Soni PEO Panchayati Raj Kotdi Bhilwara 64 Mrs Renu Sodani Panchayat Gram Panchayat, Paroli Kotdi Bhilwara Sahayak

24 Highlights

The 46 cluster trainings covered all the themes as mentioned below. The resource persons also shared some facts and information about banking sector and financial literacy/inclusion and challenges faced by financial consumers. From the above Table, it is evident that 3448 people have been benefited from the meetings, out of which 2891 were women participants.

Outcomes in Chittorgarh and Bhilwara

 350 women applied for Prime Minister Jeevan Suraksha Yojna  200 women applied for Pradhanmantri Jeevan Jyoti Beema Yojna  100 women got registered for Atal Pension Scheme  55 Women got registered for MUDRA Yojna  100 labour card issued to the project beneficiaries  40 new savings account opened in various banks

Conclusion

 Need for connecting women with education, employment and finance came out  Positive dialogue with local bankers and women was established  Providing banking services information and easy access to women  Block level officers, positive thinking and cooperation towards the programme  Women were observed to be more aware and availing banking and insurance  Banking services information and easy access to women  Block level officers, positive thinking and cooperation towards the programme  Women are becoming aware, and started to take care of banking and insurance services  PRIs and Block Level Officer along with banker supporting to this awareness programme activities

25 Media Coverage

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